I spent a significant part of the last year in a battle with myself over whether to stay at a comfortable office job in which the benefits were virtually impossible to beat, or leave for the pursuit of something more fulfilling.
What began as a feeling of unease steadily grew into a gnawing worry that staying put would mean feeling stuck forever. When I woke up one day wishing I was sick so I wouldn’t have to sit for another eight hours in my cubicle, I knew that change was no longer a choice – it was a necessity.
Stress and worry begin in the mind as troubling thoughts, but they can quickly snowball into physical ailments such as headaches, high blood pressure, and heart problems. In fact, according to the American Institute of Stress, as many as 90% of doctors visits are for stress-related conditions.
When it comes to the cause of stress, studies suggest that many adults agree on one central issue: money. A survey conducted by the American Psychological Association highlighted how prevalent money stress actually is.
“Nearly three-quarters (72 percent) of adults report feeling stressed about money at least some of the time and nearly one-quarter say that they experience extreme stress about money (22 percent rate their stress about money during the past month as an 8, 9 or 10 on a 10-point scale).”
As you already know, the market just hit a pocket of fierce turbulence that’s sending investors into panic mode. In the past few hours since the market opened today, we’ve seen Apple back up $100 and many others trending back to their last closing price.
All three major U.S. market indexes hit correction territory and the S&P 500 is seeing one of the worst weeks since 2011.
Rewards credit cards are a great tool, if used appropriately, to earn cash back and fund traveling. Many know about the more common benefits of credit cards like purchase protection and extended warranties, though that’s expected these days. When leveraged appropriately, however, some of the best rewards credit cards help you accomplish things you’d normally not be able to afford.
I know it sounds too good to be true, and in some instances it is. Personally speaking, my wife and I have used rewards credit cards for the past few years to fund our vacations. We traveled to Vegas for free for my 40th birthday and are planning an international trip next year – with a variety of other trips in between. Many of these trips wouldn’t have been possible without rewards credit cards. Interested yet? Here are a few of my tips on how to find the best rewards credit cards.
With shower shoes, concrete floors and compact beds, getting acclimated to dorm life can be tough. You can try to make the transition easier by purchasing furnishings that feel more like home, but minimal space paired with the financial burden of tuition, means spending a bundle on furnishing temporary quarters just isn’t practical.
Whether you are getting ready to start the next chapter of your education in college dorms, or you’re anxiously awaiting your teenager’s move into adulthood, here’s everything you need to do to save while still creating a livable dorm space.
If you’re like me (and probably everyone else for that matter), I’m always looking for the best deals when it comes to making a buying decision on a product or a service. But I always take it a step further by negotiating the final price: It’s all part of my money saving techniques to help keep more money in my pocket. I know some of you may be a little timid or shy or even embarrassed when it comes to negotiating prices on items, but being able to negotiate well can reap vast benefits.
Some of the most typical types of products/services you can negotiate on are deals when there’s a “salesman” involved. At the end of the day, they’re making sure they can make a little commission, right? Why pay someone full price if you can spend a little less by reasoning with him or her? Here are six things you should always try to negotiate:
In the market for a new home?
Searching for a residence in the perfect location and loaded with all the amenities is a fun, but tedious process. But before you dive head first into your search, it’s important to scope out your financing options. And if you’re looking to refinance your current home, the same rule applies.
Otherwise, you could end up spending thousands more over time than you initially bargained for.
To illustrate, a 30-year fixed $150,000 mortgage at 5 percent will cost you $289,884 over the life of the loan. By contrast, the same loan at 4 percent will cost you $257,804. As you can see, an increase of just 1 percent equates to a little over $32,000 for a loan of this amount.
You spend years rebuilding your credit. But one day as you’re reviewing your credit report, you realize your FICO score has taken a hit. Where did you go wrong? Did you make yourself vulnerable to identity theft? Or is a small misstep a culprit for this disaster?
Unfortunately, many have discovered that it was the latter after the damage was already done.
Here are some little-known actions that can tarnish your credit:
1. Unpaid Traffic Citations
Did you shove that traffic ticket in a drawer and forget about it? Don’t think for one moment that you’re off the hook as you will be slapped with a late fee and possibly interest charges. And if it remains outstanding for too long, your credit could take a hit should the governing authority decide to report it to the credit bureaus.
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Unfortunately, there are tons of shady companies that prey on those individuals looking for a more flexible work arrangement through these deceptive advertisements. They know that when times get tough, job seekers are sometimes vulnerable and willing to do whatever it takes to earn cash. And what better way to do so than with a job opportunity that requires minimal effort?
Easier said than done and if the opportunity sounds too good to be true, it probably is.
Here are some of the most popular work at home scams:
Everybody recognizes Discover as one of the more acknowledged trademarks in the financial services, as well as being one of the leading card issuers of the U.S. This past month, Discover announced their “Good Grades Reward Program” for students who sign up for their new student credit card. Students who sign up for this particular card will be rewarded with a $20 cash-back bonus for maintaining a minimum of a 3.0 GPA for the first five years of creating their account.