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Millennials Are Seeking Prenups—and It Might Just Be Worth Considering

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A Visual History of Cash, From Beads to Bitcoin

How did we get from counting wealth in beads and shells to buying a car with a thumbprint? The nature of money is constantly changing, and the way we earn, store, and spend it changes too.

One constant is that money exists to help us move value from point A to point B, without having to haul heavy trade goods around. That’s why the ancients came up with a money system as soon as they had enough valuable items to store and sell. “An entire warehouse of olive oil, beer, or wheat could be reduced in value to an easily transported ingot of gold or silver,” writes Jack Weatherford in The History Of Money.

A complete history of money around the world takes up several books (we’ve got the reading list below to prove it), but here are some highlights from millennia of monetary innovation to enjoy and share.

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How to choose a new neighborhood when home buying

How to Tell If You’ve Outgrown Your Neighborhood—and Where to Go Next

There comes a turning point in every renter’s life, where that neighborhood you loved when you moved in just doesn’t feel right anymore. It happens—sometimes the community surrounding your home changes, and isn’t quite as sweet as when you first moved in. But more often than not, as life goes on, careers advance, families grow, and finances improve, it’s less about the neighborhood transforming, and more about your own priorities shifting for what you want out of an area.

While you may have once reveled in the fact that your neighborhood boasted plenty of hotspots just outside your front door, you may now yearn for a quieter, more family-focused locale so that you can start your own. Better yet, as your career has blossomed—along with your salary—it may be time to upgrade to a larger place with more of your “wish-list” items in an area, where you’ll be surrounded by up-and-comers just like you. After all, home buying isn’t just about falling in love with a house, securing a mortgage, and making that square footage your own; it’s also about finding the perfect neighborhood that works for you today and tomorrow.

If it’s time to assess whether you’ve outgrown your neighborhood, here are the questions to ask yourself:

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6 Steps to Improving Personal Cash Flow, So You Can Be Like Your Own CFO

Picture this: It’s the end of the month, you’ve paid all your bills, and even had a little fun. You’ve made ends meet, as you always do, but your savings account isn’t growing and there’s nothing left to fund an emergency should one arise. Sound familiar? If you’re just breaking even—or worse, spending more money than you’re taking in—you’ve got a personal cash flow problem.

Maybe you’ve been living this way for a while, and it now feels normal. But here’s the deal: Without a positive cash flow (meaning you earn more than you spend), it’s hard to get ahead financially. Until you’re in the black, you could be shut out of good financial opportunities—including getting low interest rates on personal loans, or mortgages, or even student loan refinancing. You’re also missing out on the money you could be earning by investing what you save.

The good news is, it’s possible to turn that around. You’re the Chief Financial Officer of your life, so it’s up to you to learn exactly how to improve your monthly cash flow. It will take some work, but by increasing your income and lowering your expenses—both fixed (rent, utilities, and car payments), and discretionary (entertainment and clothing)—you can make dramatic shifts in your financial life. Follow this six-step plan, and you’ll see your monthly cash flow move from negative to positive even faster than you’d expect.

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4 Money Moves to Make Before Your Next Move

You’ve been offered a fantastic new job with the company of your dreams—and, on top of that, it’s thousands of miles away. Along with the excitement and anticipation that comes from uprooting your life and starting over, you’ve got to think about how this will affect you financially.

Should you accept the position, you’ll need to make some major financial decisions and changes. So you can breathe easy while working on the other aspects of the move that will keep you busy—like packing away your whole kitchen into a few boxes—try these four money moves to help you avoid any financial bumps on your road to relocation.

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