Nobody knows where they’re going to be ten, even five years from now. Planning ahead for such a long period is challenging for many reasons, mostly because a lot can happen along the way that can change the situation significantly. Some of these factors are difficult to predict and account for, making it hard to…

If you suddenly get your hands on some extra cash, you need to think carefully about what you’re going to do with it. Many people just take the path of least resistance and go on a shopping spree – or just buy a couple of things, depending on how much money they got in the…