As I write this today, we’re heading into the final month of the year.

I vividly remember that, at this time last year, crypto-currencies were in a raging bull market. In fact, they were heading towards record-breaking highs.

But today, the entire sector is down about 80% to 90%.

It…

On Monday, like many Americans, I spent hours hunched over a laptop surfing the web.

But unlike most folks, I wasn’t shopping for Cyber Monday deals…

Instead, I was planning a getaway with my pregnant wife — our last vacation without kids.

And as I was reminded, planning a trip…

Easy Way to Save on Your Heating Bill: Bitcoin

The process of "mining" Bitcoin creates an enormous amount of heat. Instead of wasting it all, one company is harnessing it — and using it to warm your house this winter. Check it out »

How Much Do You Tip…

“Have you considered Botox, Mr. Milner?”

Uh, what? I was at the dermatologist and had just gotten the all-clear on my check-up…

But evidently, the doc thought I should consider some enhancements.

Actually, he thinks just about everyone should consider some enhancements.

Which is why I’m writing you today…

Fill…

Say Goodbye to Alexa

Say goodbye to the voice of Amazon's "smart" assistant, Alexa. She's being replaced by one of the most famous voices in late-night television. Can you guess whose it is? »

Sticking a Needle in Your Eye Could Prevent Blindness

No, that wasn’t a typo. According…

Whether you’re talking about investing in the stock market...
 
Investing in startups...
 
Or even founding your own startup…
 
One simple rule can help you identify the opportunities with the most profit potential...
 
In the Beginning...
 
…

Counting on Social Security to pay the bills when you retire?

You might want to rethink that strategy.

You see, CBS News recently reported that the entire Social Security system is going bankrupt.

Today, I want to get you up to speed on this dire situation…

And then…

China Identifies Citizens Based on How They Walk

China doesn’t care much about protecting its citizens’ privacy. As one tech CEO said, “You don't need people's cooperation for us to be able to recognize their identity.” Is the U.S. next? »

Save the World with Your Pee!

The contents…

Imagine walking into work tomorrow, looking your boss in the eye, and saying…

“I QUIT!”

Then you head home, kick up your feet, and finally start enjoying your retirement.

And here’s the best part: your bills are paid, and you couldn't care less about whether the market is going up…

Wayne and I opened up a big can of worms in our articles last week:

The retirement crisis.

As we explained, the average 50-year-old today has less than $50,000 saved for retirement…

And 45% of Americans have nothing saved for retirement at all — zero.

But now that we’ve recognized…