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From Bogotá to London with creativity and resilience


From Bogotá to London with creativity and resilience - #MemberSpotlight
Published 12/03/2021
by
A talented art director and designer, 
Karen has been living in London since 2015, and after a three-year course in design, she set out to be a freelancer with her own personal business. Her style is incredibly colourful and vibrant, a testimony to her energy of spirit and her passion for creativity, and a legacy of her incredibly inspiring and fascinating story.
For this 
Member Spotlight, we are learning more about Karen and her journey through the world, from her homeland to London, to find her fortune as a talented professional in the UK creative industry. ....

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United Explorer Card review: Earn MileagePlus miles and solid perks


Review: Is the United Explorer the best credit card for you?
The United℠ Explorer Card is a great way to save money and get better access to United awards while earning United MileagePlus miles with every dollar you spend.
Regular United customers will love a free first checked bag for the cardholder and a companion on each trip, a statement credit worth up to $100 every four years for TSA PreCheck or Global Entry, and two one-time passes to the United Club each anniversary year.
The United℠ Explorer Card carries an annual fee of $95, waived the first year, which is on par with other entry-level airline credit cards. Since you ll get $95 in value with the free checked bags in one or two trips each year alone, it s easy to see how this card could be worth it for United flyers. ....

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The moment I knew I had to pay off my 6-figure debt


The moment that changed it all
Even though I was almost certain there wasn t any possible way to tackle our debt, I couldn t shake the feeling that we d need more financial flexibility as a permanent part of our lives. 
That feeling was soon validated with the birth of our first child. As soon as she came, I realized that I wanted to be a stay-at-home mom for as long as I possibly could. My husband was in agreement. 
Sadly, I do remember the joy of giving birth
almost being overshadowed by the fear of not being able to achieve this dream. For many months after her birth, I dreaded when the clock would run out on our finances, forcing me to work outside the home.  ....

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The 403(b) retirement savings mistake that cost me a fortune


Although I wasn t in an annuity plan myself, I now know that many individuals get talked into investing in an annuity without understanding how they operate and what their fee structure looks like. Even without an annuity plan, though, I know the fees I was paying in my 403(b) were considerably higher than the fees I now pay in my self-managed index fund portfolio. 
How to make the most of your employer-sponsored retirement plan
Although you have limited choices when it comes to your employer-sponsored retirement plan, it s still important to do your own research before blindly putting your money into investments chosen by an advisor. This is especially true if that advisor is going to make a commission off of your choices, as that can dictate what investments they recommend to you.  ....

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