Cool Beast Gadgets

 Being self-employed has many perks — flexibility, freedom, and control over your income. But it also means you’re on your own when it comes to health insurance . In 2025, the U.S. healthcare system continues to be complex and expensive, especially if you're not covered by an employer. If you’re a freelancer, consultant, gig worker, small business owner, or entrepreneur, this guide breaks down the best health insurance options in the U.S. for self-employed individuals, with tips to help you get the best value and coverage. 🚨 Why Health Insurance Matters (Even If You're Healthy) Many self-employed workers skip health insurance to save money — but a single emergency room visit can cost thousands. A longer hospital stay or serious illness could lead to financial disaster without coverage. In 2025, average costs without insurance are: ER visit: $2,000+ Hospital stay: $12,000+ Surgery: $20,000–$100,000+ Prescription meds: Hundreds/month 💡 Health insurance i...

 In today’s fast-changing job market, many professionals are asking a critical question: Is getting an MBA still worth it in 2025? The answer isn’t simple. An MBA used to be the golden ticket to the C-suite — but in a world full of tech disruption, AI, and remote work, what do employers actually value now? Let’s explore the real ROI of an MBA in 2025, the changing expectations of hiring managers, and whether it’s the right move for your career. 🎓 What Is an MBA, Really? An MBA (Master of Business Administration) is a postgraduate degree that focuses on leadership, strategy, finance, marketing, operations, and management. It’s traditionally seen as a springboard to executive roles in large corporations or a gateway to entrepreneurship. In 2025, MBAs come in many forms: Full-time (1-2 years) Part-time (evening/weekend) Online/Hybrid programs Executive MBAs (for professionals with 10+ years of experience) 📉 The Decline of the “Traditional” MBA Over the past d...

 Choosing between studying in the United States or Canada is one of the biggest decisions international students face in 2025. Both countries offer world-class education, multicultural environments, and the potential for great career paths — but the differences between them can significantly affect your future. In this article, we’ll break down everything you need to know — tuition, visa process, post-study work, PR opportunities, safety, and lifestyle — so you can make an informed choice about where to pursue your higher education. 🎓 Tuition & Cost of Education United States: Tuition fees in the U.S. vary widely depending on the type of institution. Ivy League schools and top-tier private universities can cost $40,000 to $80,000 USD per year for undergraduate studies. Public universities are slightly more affordable, especially for in-state residents, but international students still pay around $20,000 to $35,000 per year . Other expenses like books, housing, insura...

Canada is a top destination for students worldwide — but tuition can be expensive. Here are 10 budget-friendly Canadian universities offering quality education for international students: 🏫 Top Picks: Memorial University of Newfoundland Avg. tuition: $11,460/year Great for Engineering & Medicine University of Regina Tuition: ~$13,000/year Offers strong co-op programs Brandon University Avg. tuition: $8,000/year Small class sizes, personalized attention University of Manitoba $14,000/year Strong research and scholarship programs University of Saskatchewan Tuition: ~$16,000/year Excellent for Agriculture & Health Sciences Simon Fraser University ~$18,000/year Located in beautiful British Columbia University of Prince Edward Island (UPEI) Affordable cost of living Tuition: ~$13,000/year Cape Breton University Welcoming to immigrants and newcomers Tuition: ~$11,000/year Université de Saint...

Think retiring early is impossible on a small budget? Think again. With discipline and smart strategies, investing just $100 a week can unlock financial freedom. 🧮 The Math $100/week = $400/month = $4,800/year. Invested in S&P 500 with 8% annual return: ~$730,000 in 30 years. ✅ Key Strategies: Start Early: Time beats timing. Compound interest is magic. Use Tax-Advantaged Accounts: Roth IRA 401(k) with employer match Cut Expenses, Not Joy: Ditch luxury subscriptions Cook at home Buy used 🔁 Automate & Reinvest: Automate $100 weekly transfers. Reinvest dividends. Avoid withdrawing unless necessary. 💡 Bonus Tips: Consider geo-arbitrage (retire in lower-cost countries). Explore passive income: blogs, real estate, dividend stocks. “Wealth is what you don’t see.” – Focus on savings, not spending.

 If you're looking to make every dollar count in 2025, choosing the right credit card can earn you serious cashback. Here are the top 10 credit cards in Canada that give the most value, rewards, and perks: 1. Scotia Momentum® Visa Infinite 4% cashback on groceries and recurring bills. Welcome bonus up to $200. Annual Fee: $120 (waived first year). 2. Tangerine Money-Back Credit Card 2% on 3 spending categories of your choice. No annual fee. Flexible redemption options. 3. BMO CashBack World Elite Mastercard 5% cashback on groceries (first 3 months). Travel insurance and concierge services. $120 annual fee (waived 1st year). 4. Rogers World Elite Mastercard 1.5% cashback on everything, 3% on USD purchases. Great for online shoppers and freelancers. 5. American Express SimplyCash Preferred 2% flat cashback on all purchases. Premium AmEx benefits. Annual fee: $120. 6. CIBC Dividend Visa Infinite 4% on groceries and gas. ...

1. Checking Your Phone First Thing in the Morning The Problem: Grabbing your phone immediately after waking up floods your brain with information before it’s ready. It can lead to stress, anxiety, and a reactive mindset for the rest of the day. The Fix: Replace your morning scroll with a quick meditation, journaling, or stretching routine. Wait at least 30 minutes before checking notifications. This small shift can lead to better focus and emotional control all day long. 2. Skipping Breakfast or Eating Junk The Problem: Skipping breakfast or grabbing a sugary pastry leads to a blood sugar crash mid-morning. This affects your energy levels, concentration, and even your mood. The Fix: Eat a balanced breakfast with protein, healthy fats, and whole grains—like eggs and avocado toast or Greek yogurt with oats. It sets the tone for healthier choices throughout the day. 3. Sitting Too Long Without Movement The Problem: Prolonged sitting weakens your muscles, stiffens joints, and increase...