More people are engaging in remote contract work than ever before. Remote contract work offers almost as many advantages to workers and companies as full-time employment.

If you’re like many people, your parents probably taught you that debt is a good thing. Responsibly handling debt makes you a good credit risk, and a lender would be eager to loan to you. However, without judicious use of debt, it can quickly spiral into something much more sinister.

Annuities aren’t such a modern concept as you might think. Although many people are just now hearing about annuities, they’ve been around as far back as the Roman Empire. Citizens of Rome would make a lump sum payment into what they called an “annua” fund. They would then receive a payment each year until death.

By now, you may have already given up on some of your New Year’s resolutions. Making huge changes all at once is often too much to sustain. Experts have said that small changes, made consistently over longer periods of time, can be just as transformative—and easier to maintain—than trying to force yourself to change overnight.