Author: administración

One of the biggest fears workers have about retirement is losing their sense of purpose. That fear is not unfounded. It is one of the negatives of early retirement nobody likes talking about. For the first several months, maybe even a year, you may feel a little lost. The steady paycheck is gone. The camaraderie of colleagues over long boozy lunches disappears. A low grade melancholy can set in. But it passes, and when it does, you naturally find new purpose on your own terms. I know this firsthand. I retired in 2012 and have lived through every up and…

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High-yield savings account rates have basically held steady this month, despite some major banks dropping their rates (they weren’t market leaders anyway). As of March 23, 2026, leading online banks are still offering interest rates up to 5.00% APY, but these top APYs are usually limited. This is still much better than the average of 0.39% APY, according to the FDIC.Banks and credit unions are constantly adjusting their annual percentage yields (APYs) as markets react to Federal Reserve policy and inflation data, so staying up to date can make a real difference. Here’s where the best savings rates stand today —…

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In Linux, most of the config files come with a dot (.) in front of their filenames, and they are hidden from plain view. These files, also known as dotfiles, are at the core of how your Linux environment looks and behaves. While essential, managing them manually can quickly turn into a mess. This is where a simple tool like GNU Stow comes in, giving you a structured and reliable way to keep everything in one place while your system continues to work exactly as expected. What Dotfiles Are and Why They Matter So basically, dotfiles are hidden configuration files…

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We’re now in Month 2 of our financial experiment where I give my 13-year-old girls $100/month and they are responsible for buying ALL their own clothes and makeup, plus any “fancy” toiletries (I will continue to buy all their basic necessities). I appreciate the comments and feedback I received on my last post when I shared our experiment. I updated the contract I shared with the girls to clarify I would cover ALL basic necessities (e.g., face wash wasn’t originally listed; and the contract said floss OR mouthwash when I really meant floss AND mouthwash, etc.). The day I gave…

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A single year of undergraduate study (tuition, fees, room and board) used to cost just $1,286 during the 1963-64 academic year, according to the National Center for Education Statistics (NCES).By 2022-23, that figure had reached $30,884. Even after adjusting for inflation, the cost of attending a four-year institution has roughly tripled since the early 1960s, far outpacing growth in median household income, consumer prices, and wages.Why has higher education gotten so expensive, and why hasn’t anything corrected it?The answer is complex – multiple factors have all come together to create this issue. Some come from inside the colleges themselves, some…

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A friend of mine has been investing in apartments for over 30 years. He’s quietly built real wealth through multiple cycles. Seen the highs, lived through the lows, kept investing through all of it. Over lunch recently, he said something I haven’t been able to shake. “Everyone’s waiting for the perfect signal. But the signal might’ve already happened. Most people just didn’t notice because they were too busy reading headlines.” That stuck with me. Because right now, apartment investing is in a strange place. The data is actually getting better, but the mood hasn’t caught up. And if you understand…

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