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Articles by Nick Bradfield
Rabbit Hole Studios
Rabbit Hole Studiosis a physical community center shared by a collective of local musicians, artists, craftsmen, non-profit organizations, dance groups and entrepreneurs. Rabbit Hole Studios offers hourly recording/rehearsal space for bands, private office space for small businesses and event space for all sorts of community-first initiatives.
Stock Market for Beginners: Should I Invest in the Stock Market?
6 second take: Rich people invest in the stock market, so you should, too, right? Not so fast. This is the second installment of Stock Market for Beginners, our six-part series on investing and the stock market. You can read the previous piece, What Is the Stock Market?, here. Many people assume that millionaires become millionaires by investing in the stock market. But that’s not always the case. Many millionaires become millionaires by practicing healthy money habits.
Women Entrepreneurs: Helping Each Other Succeed
6 second take: When you work with other women instead of working against them, amazing things can happen. Do entrepreneurship and female friendship go hand in hand? Raise your hand if you’re a woman who just gets along better with men. This includes in the workplace and among your group of friends. I’ve been this way for as long as I can remember. However, a few years ago, I learned both the financial and the personal value of collaborating instead of competing with other women.
Military Scams: How to Recognize and Avoid Them
6 second take: If you’re affiliated with the military, you may be a special target for scammers. Get smart and hang on to your money! While the Federal Trade Commission (FTC) and its partners work year-round to crack down on scams targeting military members, their families, and members of the general public that support the military, they can’t catch every possible scam. I took a look at some of the FTC’s resources to learn more about how scams affect the U.S. military community specifically.
How to Become an Entrepreneur: My Success Story
6 second take: This is the story of a successful financial professional who chucked it all to move to a sleepy town in upstate New York. If you’ve ever sat at your current job and wondered if you should be doing something different, you aren’t alone. Half of all employees age 25 to 44 have been with their current employer for fewer than four years, according to the Bureau of Labor Statistics (BLS).
Veteran-Owned Business Statistics: Can the Military Prepare You for Entrepreneurship?
After World War II, veterans were more likely to start their own businesses than their non-military counterparts. Today, those numbers have flipped. Veterans now have a lower rate of self-employment than non-veterans do, according to a report by the Federal Reserve Bank of New York. Not the best trend line, right? What if I told you that in 10 years, the path to successful entrepreneurship will lead through the military? You’d probably think I'm crazy.
What Is an Asset Management Company?
6 second take: Looking to invest, but need guidance? An asset management company can help — here’s how it works. You may not have heard the term “asset management company,” but you should know what it is. As the name suggests, these companies, like Charles Schwab, JP Morgan Chase, and Fidelity, manage assets on behalf of their clients, but what exactly does that mean? Depending on how much money a client is investing, how these companies manage the assets may differ greatly.
Entrepreneur Burnout: How to Find the Balance
6 second take: Make sure that you find the right balance before your business starts to overwhelm you. Entrepreneur burnout is no joke. Entrepreneurship is an incredible journey — one that’s filled with great rewards, but also with uncertainty and stress. For me, the years that I’ve run and operated my own business have been immensely gratifying. I especially enjoy the flexibility of being my own boss.
Paying Student Loans Through the Military
Create Account Sign Up as an Expert Forgot Password? CentSai relies on reader support. When you buy from one of our valued partners, CentSai may earn an affiliate commission. Advertising Disclosure 6 second take: Saddled with student loans and unable to find work that will pay even the most basic bills, Devon turned to the army. Devon always dreamed of becoming a journalist. And while he was in college, that dream looked hopeful. Indeed, he built up quite the resume.
Should I Pay Off My Mortgage Early or Invest?
6 second take: Paying off your mortgage early isn’t always the best idea. Sometimes you should invest instead. Paying off your mortgage is a very common financial goal. After all, it would feel amazing to no longer send hundreds (even thousands) of dollars to the bank each month. While I do agree that paying off my mortgage early would feel liberating, I’m not doing it. Instead, I invest my money.
Same-Sex Estate Planning: Wills, Trusts, and More
CentSai relies on reader support. When you buy from one of our valued partners, CentSai may earn an affiliate commission. Advertising Disclosure 6 second take: Estate planning can be complicated. Here we simplify the steps same-sex couples must take to ensure their wishes are carried out after one or both of them die. In 2015, the Supreme Court announced that state-level bans on same-sex marriage were unconstitutional.
Tips From My Army Dad
CentSai relies on reader support. When you buy from one of our valued partners CentSai may earn an affiliate commission. Advertising Disclosure 6 second take: An Army father teaches his children the art of living well and being happy on a small paycheck. Growing up, my family never had much money — or so I thought. We were a military family, and my dad always told us to never join the military if we wanted a lucrative career.
Why Do People Join the Military? One Man’s Story
CentSai relies on reader support. When you buy from one of our valued partners Centsai may earn an affiliate commission. Advertising Disclosure 6 second take: Saddled with student loans and unable to find a steady job, one man turns to the military for employment. While I was growing up, the military was always an attractive option. My father served in the Air Force during the Vietnam War, and my grandfather had served in the Navy during World War II and the Korean War.
How to Start Investing, Even If You Feel Clueless
CentSai relies on reader support. When you buy from one of our valued partners Centsai may earn an affiliate commission. Advertising Disclosure 6 second take: Investing doesn’t have to be complicated. Almost anyone can start doing so today. So you know investing can help you grow your wealth over time, but you have no clue where to start. Don’t worry, you’re not alone. Investing can seem complex and confusing. However, if you boil it down to the basics it isn’t as bad as you’d think.
What Is an Asset Management Company?
CentSai relies on reader support. When you buy from one of our valued partners Centsai may earn an affiliate commission. Advertising Disclosure 6 second take: An asset management company is a fancy name for a company that helps you invest. Here’s how it works. You may or may not have heard of the term “asset management company,” but you should know what it is. As the name suggests, these companies manage assets on behalf of their clients, but what exactly does that mean?
Should I Invest in the Stock Market?
6 second take: Millionaires and billionaires invest in the stock market, so you should, too, right? Not so fast. A lot of people assume that millionaires become millionaires by investing in the stock market. But in my experience, that’s not the case. Millionaires become millionaires by practicing wealthy habits. “The essential prerequisite to financial freedom has nothing to do with anything financial — it is all about commitment.
What Is Asset Allocation?
6 second take: Asset allocation can help smooth the extremes of portfolio volatility, making returns more predictable by using different asset classes. The financial services industry has done a great job of confusing just about everyone. There are no fewer than a million TLAs (three letter acronyms), not to mention thousands of research papers and enough noise from talking heads to make your own head spin. In previous articles, we discussed basic investing and financial planning.
Financial Literacy is Important to My Family and Me
At CentSai, we believe financial education is important for everyone — especially kids and families. Talking to kids about money when they’re young can be a challenge for parents, teachers, and community leaders. But according to research, that is the most important time to do it. Why? Because that is when money habits and attitudes are being determined. Those habits and attitudes can last a lifetime. They can make or break dreams and lives.
Asset Allocation 101, Part 2: Common Strategies, managing investments
Managing risk, and also managing investor behavior, are both enhanced by the appropriate use of tools such as asset allocation. On multiple occasions, I’ve mentioned the financial services industry’s incredible ability to confuse everyone – seriously, everyone. My goal is to help make a little bit of sense out of the mumbo jumbo in hopes that it helps people make better decisions. In previous series, we discussed and .
How I Quadrupled My Retirement Savings In 2 Years As A 20-Something
Do you ever wonder how you would spend a million dollars? It’s one of my favorite ways to daydream. I’m a little boring, though. I’d pay off my partner’s student loan debt, buy a two-bedroom house, spend four months in Europe, and invest the rest. I’d be investing just around $600,000, by my estimate. That’s one heck of a nest egg. I’m 28 and building my nest egg is on my mind a lot.
'Tis the Season... For Taxes: 5 Essential Tax Tips For Freelancers
When I first began thinking about pursuing a career as a freelance writer, I envisioned my days working on my own in my pajama pants, cranking out work that made me proud. But do you know what part of the process I didn’t give as much thought to? Taxes. That’s right – utter the two small words “tax time” to a group of freelancers, and you’ll immediately inspire a collective groan.
Asset allocation 101 part 1, the basics of asset allocation strategies, getting started
The financial services industry has done a great job of confusing just about everyone. There are no less than a million TLAs (three letter acronyms), not to mention thousands of research papers and enough noise from talking heads to make your own head spin. In previous series, we discussed basic investing and financial planning. Now we are going to build up the foundation of your financial literacy house a bit more and discuss asset allocation. Good question. Thanks for asking.
Financial Planning Part Four: Retirement Strategies and Estate Planning Strategies
Welcome back to our financial planning series. This is the final piece of the puzzle in the series: retirement strategies and estate planning. Many people think that retiring is the ultimate goal. It’s time to spike the ball and hit the showers. Not so fast, whether it is early retirement, late, or right on time there is still a lot the game left to play. Don’t get me wrong, a fancy end zone dance is certainly appropriate but just don’t get carried away and end up hurting yourself.
Financial Planning Part Three: Death and Taxes, Comprehensive Financial Planning
In my last post in the financial planning elements series, I talked about preparing for emergencies, debt, and investing. In this post, we will look at a couple more elements that should be included in your overall plan. People look forward to talking about death and disability about as much as they look forward to talking about taxes, so we decided to talk about both of them here! Both are incredibly important to address as part of your financial plan.
Financial Planning Part Two: Emergencies, Debt, and Investing
William Shatner once said, “If saving money is wrong then I don’t want to be right!” In my last post I mentioned the beginning elements of a financial plan, coming up with a budget to help you hit your goals. Now it is time to walk a bit further down the path and put some of that “extra money” to work. One place that people sometimes forget about focusing on is an emergency fund. I view it as a piece of the foundation in the road. Note it is an emergency fund, not a vacation fund.
Getting Started with Financial Planning
Financial planning. We’ve all heard the term before but what does it really mean? Aren’t financial plans just for the uber rich? Well, I’m here to explain that you don’t need to have a 100 foot yacht with a helicopter landing pad on it to start thinking about putting together a financial plan. Some financial plans are more complicated than others.
Getting Started with FInancial Planning the an overview of need and the basics
Financial planning. We’ve all heard the term before but what does it really mean? Aren’t financial plans just for the uber rich? Well, I’m here to explain that you don’t need to have a 100 foot yacht with a helicopter landing pad on it to start thinking about putting together a financial plan. Some financial plans are more complicated than others and can range in cost from a hundred to tens of thousands of dollars when completed by an industry professional, depending on the complexity.
Investing Risk and Noise
“Risk comes from not knowing what you’re doing.” – Warren Buffett In a recent post titled Getting Started: Understanding the Basics of Investing I mentioned there are varying degrees of risk and reward with investing. There is no once size fits all approach to investing. Everyone comes at it from a different angle. Understanding what your objectives are and how much volatility you’re willing/able to stomach will help you determine the appropriate approach for you.
Start Investing: Understanding the Basics of Investing
We all know we should invest, but a lot of people don’t know where to begin. The financial services industry has done a great job confusing everyone, but investing doesn’t need to be complicated. A good place to begin is to note that investing isn’t a get-rich-quick scheme. Taking control of your personal finances will take work, but it will be worth it. Investing is transitioning from a tool to help you retire to a necessity to be able to retire. You can only work so many hours in a day.
Six Similarities Between Running and Entrepreneurship
“It’s not about how hard of a hit you can give. It’s about how many you can take and keep moving forward. That’s how winning is done.” – Rocky Balboa I went for a run this morning. My mind still thinks I’m in the Marines. My body disagrees. It is a constant battle. Running a business is like going for a run. The farther you go, the more challenges you face. It is difficult to get past the challenges, but rewarding. 1.
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