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All Bermuda residents trying to maintain a reasonable budget for their families, along with saving for a rainy day, continue to cope with more cost of living challenges going forward. This time it is another increase in healthcare. Effective June 1, ...

I’m going to come right out and say it: anyone can become a millionaire today. And when I say anyone, I mean anyone — that means you, too! Did you know there are about 12 million Americans today with a net worth of at least $1 million? And the good ...

Last week’s big story about Vanguard Group’s patented tax dodge raised some interesting legal and tax issues. Our charge today is to try and take a slightly deeper look at what Vanguard has been doing and why. Let’s start with some basics about the d...

This is part two of the annual research ideas publication for Bermuda individual investors. Before progressing readers, please keep in mind that this is general information, some sections or statements may not exactly apply to the Bermuda finance ma...

Graduation season will soon be upon us, and with it, so many admonitions explaining why students are unprepared for the challenges of the real world. Graduation speeches will discuss the trillions in student-loan debt, why spendthrifts need to stop b...

Introducing the annual research ideas publication for Bermuda individual investors — part one. Readers of The Royal Gazette often write to me about Moneywise column topics and how my answers and resource links have helped them find answers to their ...

Dear Dave, I’ve started following your plan, and I’ve got a beginner emergency fund of $1,000 saved. Now that I’m ready to start paying off debt in Baby Step 2, do you recommend paying off credit card balances before or after closing the accounts? MA...

This is a revised version of a food series published in Moneywise 2008. Our Easter bunny has come and gone. Treats of resplendent chocolates, marshmallow peeps, jelly beans, Cadbury creamy-rich eggs, all more costly now, but deliciously consumed wit...

The psychology surrounding stock-market declines and recoveries is fascinating. Any time markets retreat even a little bit, the noise surrounding the event begins to swell. Given how frequently markets twist and turn, you might expect people would be...

Dear Dave, I have my own small business. My annual sales are just over $100,000, and I have a couple of months in administrative and general expenses set aside. Should I have an emergency fund for my company, too? If so, how much? — Taylor Dear Tayl...

Part two: survival planning for relationships in cases of divorce, becoming a widow/widower, partner incapacitation situations and just plain relationship common sense. Readers, you should know that I often use case examples to explain concepts and...

“While 88 per cent of employers think that their employees worry about money, just a third (30 per cent) think money worries impact their staff while at work. However, the reality on the ground is very different. Three-quarters (73 per cent) of emplo...