Money Tips Network

Last year, I signed up for a program called “Connections” through my college alma mater. The program is designed to bring a group of the college’s current juniors and seniors to the big city, for a pow-wow with both recent graduates and ancient grads like myself, who work in the students’ prospective career fields.

On the day of the confab, a handful of us alumni sat on the dais, facing a dozen fresh-faced undergrads. After we alums painted a verbal picture for the kids of the work world we inhabit on a daily basis, it was time for the question-and-answer session. It took a while, but then one coed held up her hand and asked, “What do you wish you knew when you were our age that you know now?”

It was the question I’d waited for, the one that allowed me to make what I hoped would be a significant contribution to the collective joy of the student group, not then but approximately four to five decades into the future.

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Retirement planning is a big deal for most of us. We want to have enough money to support a comfortable retirement — who doesn't?

There are always costs that we don't anticipate. While we can't think of everything, we can plan for the known unknowns, and create a budget buffer for the incidentals we can't predict when undertaking these three things that always, always go over budget.

The fact of the matter is that sometimes there are obstacles working against us that we're simply unaware of. Rather than beat yourself up, it's time to start looking at how various aspects of your life might be thwarting your goals.

Economies of scale are a wonderful thing.  The more you’re willing to buy from a particular vendor, the better the unit price they’re inclined to give you.  Selling a thousand items a hundred times is a lot more work than selling fifty thousand items twice.  It’s less bookkeeping, less tracking, less shipping, and less labor to sell bigger chunks of your inventory at once.

Likewise, businesses buy the materials for their operations in bulk all the time.  It’s part of being competitive, and profitable.  Lower expenses mean that businesses can price more competitively, which translates to higher volume, and more profits.

Team up with your business-owning friends to get bargains

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According to a new survey, 63% of Millennials own no credit cards. For this poll, the Millennial generation is defined as those in the United States aged 18 to 29.

The survey, put together by BankRate, attempts to get to the root cause for the lack of penetration of credit cards among this younger demographic, despite the attempts to sell the idea of credit cards to this generation. These attempts mostly come from those older than Millennials. BankRate’s survey points out that each successively older age group is more likely to own multiple credit cards.