Clever Economy


6 Things that Seem Unrelated to Finances But Are Important To Know


When you think finances, you probably think about a few things: how much you make at work, how much you spend, and the state of your loans, accounts, and investments. But there are other factors in life that will have just as much of an effect on your long term financial state even though we rarely think about them in that sense...
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What Is a Digital Wallet and How Does It Work?

Contactless payment methods have been gaining popularity among both merchants and consumers, especially amid the pandemic. Digital wallets are one such method. They store your payment options, such as credit and debit cards, allowing you to...

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Don’t Let Technology Bully You Into Tipping

Tipping inflation is real, and it’s coming to a tablet near you. Merchants using Square and other mobile payment services can set “recommended” tip amounts or percentages for any transaction — including ones that traditionally have...

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How to Reduce Capital Gains Tax: Strategies to Consider

Capital gains taxes have been in the news and top of mind for higher net worth investors. For those who make over $1 million in income, proposed tax increases could double the capital gains tax rate to help fund initiatives aimed at boostin...

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Charitable Giving and Tax Strategies to Consider

Everyone loves a win-win situation. And that's the case with charitable giving and its tax benefits — you can do good for others while also doing good for yourself. When giving to charity, you can lock in tax deductions and save mone...

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Withholding Tax: Everything You Need to Know

Withholding tax may sound like a new concept, but there’s a good chance you’ve already dealt with it: As the name implies, it is withheld from most employees’ paychecks. The important thing is to make sure you’re hav...

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4 Ways to Manage Retirement Health Care Costs

Health care in retirement is a big-ticket item. Experts estimate that an average 65-year-old retired couple in 2021 would need about $300,000 in after-tax savings earmarked for health care costs in their post-work life, even with Medicare, ...

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How to Have a Retirement Worth Saving For

Most advice about retirement planning focuses on how to save enough money to replace your paycheck. But work provides us with a lot more than income. Many of us get a sense of meaning, accomplishment and even identity from what we do. Work...

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How to Smooth the Transition Into Retirement

Many of us work and save our entire careers in hopes of achieving a relaxing, comfortable life during retirement. However, the actual process of transitioning into retirement can bring about stress and worry. It doesn’t have to be th...

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Green Bonds: What They Are and How to Invest

Like their sustainable fund cousins, green bonds have become more popular than ever. As investors are looking for new ways to green up their portfolios and companies are looking to finance more green projects, green bonds are stepping in as...

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How to Invest in Cryptocurrency Without Buying Any

Cryptocurrencies are inherently cryptic — it’s right there in the name. And if you follow Warren Buffett’s advice to never invest in businesses you can’t understand, it may be hard to justify investin...

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What to Know About Bitcoin as It Approaches $70,000

Bitcoin is trading near all-time highs: The cryptocurrency crossed a record $68,000 this week before dropping slightly lower. It was the latest record high in what can now be considered a tear — the currency also cross...

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4 Ways to Start Spending Less

Here’s the hard truth. If you don’t actually want to save money and be smart with money, you’ll never ever actually do it. Even if you “want to want” to save money, you won’t do it. While there are many ways to i...

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