Smartphones Are Really Kind Of Dumb

Aren’t smartphones great?  They take care of everything, right?  Well, maybe not everything.  But they’re totally smart and intuitive, aren’t they?  After all, smart IS part of the name.  Personally, I don’t think we’re there yet.  Smartphones have made our lives easier in many ways. But they still have a lot of things that could be improved.  In fact, I have come up with five reasons that smartphones aren’t all that smart.  Yet.

Battery Life And Charging

Apple recently caught a lot of heat because they were purposefully slowing down older phones.  Why?  Because the batteries were wearing out, and would last longer if the phone did less.  So, Apple sent an update to make the phone work slower.  Oh, and the age of some of these phones was less than two years.

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How To Build Credit History And Why It’s Important

I remember a story from when I was kid about a great aunt of mine.  She and my late uncle had paid cash for everything in their lives.  When they needed a new car, they wrote a check for the full amount.  When it was time for a house, it was paid for.  This was very responsible, but there came a time when my aunt wanted to build credit and she couldn’t.  She was over 70 years old at the time and had no credit history!  Yikes.  Ever since then, I have understood that it’s important to build credit.  So how do you build credit history?  And why?  Here are a few simple answers.

The Importance of Credit

There are a few good reasons to make sure you have a credit history.

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Five Star Books I Read In 2017

I love to read.  I track my books read on Goodreads.  My goal is to read 52 books per year.  So far, for the last two years, I’ve exceeded this goal.  One thing I love about Goodreads is that I can track the books I read.  I can also track how I rated them.  This is great because I can look back at books I loved.  I can track authors that I’ve enjoyed reading and find their latest books.  Here are my five star books from last year.  These were the best of the best from my perspective.

Revelation – Carter Wilson

This was one of the first books I read on my Kindle during vacation, and I loved it.  Wilson is not a well known author.  The book only has 255 ratings on Goodreads.  Still, it’s a great book if you love dark reads.  A man wakes up trapped in a room with a typewriter, and instructions to write a story.  He knows his kidnapper, but he has to figure out how to write what the kidnapper is looking for.  It bounces back between the kidnapping and the prior couple of years.  It’s a very creepy and disturbing read but very intense and well written.

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8 Simple Ways To Be Happier

Are you in a rut?  Feeling blue?  It might not just be the time of year.  You might have just hit a low spot.  If you’re there, that’s OK.  But, how do you get out of that and find your happy spot?  It might not take a big change.  Here are a few simple ideas to be happier.

Make Time For Yourself

The demands of life can take away all of your free time.  Family, work, the house, even planning vacations can all drain you.  One thing all happy people do is make sure that they have time for themselves.  This could mean time to exercise.  Or read. Maybe it’s just time to unwind. Either way, it’s important.

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Why It’s OK To Get A Tax Refund

Don’t get a tax refund.  That’s one of the first things most personal finance bloggers will tell you.  It’s giving the government an interest free loan.  That’s what they will say to justify the reasoning.  Keep the money yourself.  That’s the advice you’ll get.  Earn the interest on your own money.  That’s the benefit you’ll be told justifies it.

I’m here to tell you that you don’t need to worry about it.  If you get a refund, even a large one, it’s no big deal.  It really isn’t much of a problem at all.

The Justification For No Refund

Avoiding a tax refund was one of the first big tenets of personal finance I heard when I started reading money blogs.  That was over ten years ago.  I listed above the reasons, but it basically boils down to the idea that you shouldn’t give the government an interest free loan.  It’s money that you paid all year that you get back, right?  So, you should earn interest on it.  Interest is more money.  More money is great for personal finance. It all makes perfect sense.

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