traveling http://www.wisebread.com/taxonomy/term/10610/all en-US Why "Opportunity" Funds Are the New Emergency Funds http://www.wisebread.com/why-opportunity-funds-are-the-new-emergency-funds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-opportunity-funds-are-the-new-emergency-funds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_piggy_bank_000091361933.jpg" alt="Women learning how opportunity funds are the new emergency funds" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You know your emergency fund is important to your financial well-being. In fact, it's a bit like flossing is to dental health. We know it's important. In fact, we know it is hugely beneficial. But do we do it? Well, no &mdash; or at least not like we should.</p> <p>The emergency fund is a classic example of what has become known as the &quot;<a href="http://www.wenell.se/wp-content/uploads/2014/01/thinking_knowing.pdf">knowing-doing gap</a>.&quot; These are cases where know we should take action, yet we don't. That's because abstract thoughts about future emergencies &mdash; auto repairs or a leaking roof &mdash; are hardly compelling. An emergency fund, as vital as it may be, just isn't sexy.</p> <p>If it's time for you to bridge the knowing-doing gap, and start future-proofing your finances, here's a smart trick to try.</p> <h2>Bridging the Gap</h2> <p>When it comes to an emergency fund, <a href="http://www.wisebread.com/6-emergency-fund-myths-you-should-stop-believing">size matters less than habit</a>. If you think that it's not worth starting because you can only spare a small amount, then you're kidding yourself. Small amounts regularly saved do mount up.</p> <p>In reality, what prevents many people from saving is not a shortage of spare cash, but a lacking desire to build an emergency fund in the first place. After all, if you were really committed to saving, and prepared to fully audit your budget, you could probably find ways to trim your expenses a few dollars a week, or <a href="http://www.wisebread.com/making-extra-cash">bring in some extra cash</a> on the side.</p> <p>But saving for an emergency fund is an inherently pessimistic and abstract thing. There is no conclusive rule to tell you how much you should have. You're saving for things that might never happen, and anyway, isn't just thinking about emergencies a little like tempting fate?</p> <h2>Opportunity Fund</h2> <p>The real barrier to saving an emergency fund, often, is in the mind. So instead of saving for an emergency fund, why not shift your thinking into a more positive groove? Decide instead to save an <em>opportunity fund</em>, so that you never need to fear missing an opportunity for want of cash.</p> <p>How much more would you be motivated to save for some unknown opportunity that might present itself in future? Instead of saving as insurance <em>against </em>the stuff of nightmares, think about saving so you can grab an opportunity when it arises.</p> <p>It is a whole lot easier (and more pleasant) to think about the opportunities that might come up in the future than it is to speculate about the disasters that might befall us. Imagine these scenarios, both with and without the financial cushion provided by your opportunity fund:</p> <ul> <li>Your dream job comes up, but the salary doesn't stack up. What do you do? Your savings give you choices.<br /> &nbsp;</li> <li>You have the opportunity to start your own business in an area you're passionate about, but starting out means living on less to begin with. Now you can weigh your options.<br /> &nbsp;</li> <li>You decide to study again, and need to flex your finances.<br /> &nbsp;</li> <li>Your best friend is about to embark on some pretty major travel plans, and you really want to join. Guess what? Now you can.<br /> &nbsp;</li> <li>You choose to drop hours at work to care for family, to travel, or to focus on a hobby. Having an opportunity fund means that you can consider different routes.<br /> &nbsp;</li> <li>You need (or want) to relocate suddenly. This could be for a good reason like a new job, love, or family. Don't feel stuck &mdash; your opportunity fund gives you the control you need to make the decisions that matter.</li> </ul> <p>While an emergency fund feels like an exercise in damage limitation, your opportunity fund will feel like control, flexibility, and financial confidence. With those motivating factors on side, you are far more likely to make a savings plan and stick to it &mdash; even if it means trimming the spend a little elsewhere.</p> <p>Naturally, once you have saved your financial cushion, it is there for you if an emergency should ever arise. But more importantly it's there as a comfort, an assurance that money worries do not need to be a reason to walk away from a great idea or opportunity. Doesn't that sound better?</p> <p><em>What do you think? Do you have an emergency fund? Would you consider using it for a great opportunity instead?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/why-opportunity-funds-are-the-new-emergency-funds">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-emergency-fund-myths-you-should-stop-believing">6 Emergency Fund Myths You Should Stop Believing</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-your-emergency-fund-big-enough-to-keep-you-afloat">Is Your Emergency Fund Big Enough to Keep You Afloat?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cash-is-king-now-what-should-i-do-with-it">Cash Is King: Now What Should I Do With It?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-graduate">5 Money Moves to Make the Moment You Graduate</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-12-month-get-richer-plan">The 12-Month Get-Richer Plan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance emergency funds fun money opportunity funds savings spending habits traveling Fri, 29 Apr 2016 10:30:04 +0000 Claire Millard 1699422 at http://www.wisebread.com 7 Apps for the Tech-Challenged Traveler http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-for-the-tech-challenged-traveler" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000059692012_Large.jpg" alt="using a travel app even though she isn&#039;t tech savvy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There is an app for everything these days, from apps that allow you to see constellations in the sky, to others that can control the temperature of your house. When it comes to traveling, there are more apps than you could count, but some of them are a bit confusing to operate. Here are seven of my favorite apps that can make travel easier for you, and you don't have to be a tech expert to use them. (See also: <a href="http://www.wisebread.com/5-money-saving-travel-gadgets?ref=seealso">5 Money Saving Travel Gadgets</a>)</p> <h2>1. Trail Wallet</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/trail_wallet.jpg" width="605" height="521" alt="" /></p> <p>This friendly budget helper is the best app on the market for keeping track of your expenses while on the road. There are a few categories already included in the app, like accommodation, food, and transport, but you can also include your own.</p> <p>Every time you make a purchase, you can simply input the amount into the app in the local currency. It will automatically convert it into your home currency and create handy pie charts and graphs so that you can see how your budget is divided.</p> <p>The app is only available for <a href="https://itunes.apple.com/us/app/trail-wallet-travel-budget/id547171665?mt=8&amp;uo=8&amp;at=11l9Wj">iOS</a>. The first few purchase inputs are free, but to get full use of the app, you'll have to pay $1.99.</p> <h2>2. Packing Pro</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/packing_pro.jpg" width="605" height="523" alt="" /></p> <p>We've all experienced that awful moment when we leave the house and then realize that we forgot our most important travel item. The Packing Pro app helps put an end to this by allowing users to create handy checklists of everything that they want to bring on a trip.</p> <p>Simply create a packing list, then hit the check button as you put each item into your luggage.</p> <p>The $3 app is only available on <a href="https://itunes.apple.com/au/app/packing-pro/id312266675?mt=8">iOS</a>.</p> <h2>3. XE Currency</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/xe_currency.jpg" width="605" height="521" alt="" /></p> <p>I never leave home without making sure that my XE app is up to date. This simple, yet incredibly useful tool keeps track of multiple currencies for you and converts them into your home currency.</p> <p>If you're planning a 10-country trip, add all of the currencies from your planned destinations into the app and it will allow you to easily convert any purchases on-the-go. Spending 300 <em>baht </em>in Thailand? Type it into the app and instantly see the equivalent in USD.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.xe.currency&amp;hl=en">Android</a> and <a href="https://itunes.apple.com/hr/app/xe-currency/id315241195?mt=8">iOS</a>.</p> <h2>4. TripAdvisor</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/trip_advisor.jpg" width="596" height="300" alt="" /></p> <p>If you're a TripAdvisor traveler like myself, and you like to know how a restaurant stacks up before eating there, download the TripAdvisor app onto your smartphone before you leave home.</p> <p>The app doesn't have full functionality when offline, but you can still use its navigation feature and check reviews of different restaurants, hotels, and activities on-the-go. You can download city maps and reviews as well if you plan to use it without an Internet connection.</p> <p>When using data, the &quot;Near Me Now&quot; function can be very useful for finding top-rated restaurants within a one-kilometer radius.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.tripadvisor.tripadvisor&amp;hl=en&amp;referrer=utm_download_tracking=Brand_AppPage_0_10568#_=_">Android</a> and <a href="http://www.tripadvisor.com/ShowUrl-a_partnerKey.1-a_url.http%3A__2F____2F__itunes__2E__apple__2E__com__2F__us__2F__app__2F__tripadvisor__2F__id284876795__3F__mt%3D8__26__pt%3D14124__26__ct%3DBrand__5F__AppPage__5F__0__5F__10568-a_urlKey.1997bccf622c70c69.html">iOS</a>.</p> <h2>5. Navmii</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/navmii.jpg" width="570" height="421" alt="" /></p> <p>My personal favorite navigation app, this one works without using any data at all. Some maps are available free of charge, while some add-ons and extra maps are available for a small fee.</p> <p>If you've been using Google Maps for your navigation, Navmii will feel like a dream. It's much more intuitive and easy to follow than Google's BETA navigation feature and the best part is that it doesn't need to use data to give you directions. As each map is downloaded locally to your device, the app is very quick to load and easy to use.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.navfree.android.OSM.ALL">Android</a> and <a href="https://itunes.apple.com/gb/artist/geolife-ltd./id345881276">iOS</a>.</p> <h2>6. Google Hangouts App</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/google_hangouts.jpg" width="605" height="521" alt="" /></p> <p>Even if you have the Skype app on your phone, you should consider getting Google Hangouts, too. Why? It generally has better connection than Skype, but the main reason it's better is because you can call almost any number in the U.S. or Canada for free.</p> <p>So if you're an American traveling overseas, you can call your friends and family without paying a cent! This app can be a huge money saver for frequent travelers.</p> <p>The app is free on <a href="https://play.google.com/store/apps/details?id=com.google.android.talk&amp;hl=en">Android</a> and <a href="https://itunes.apple.com/us/app/hangouts/id643496868?mt=8">iOS</a>.</p> <h2>7. Vivino</h2> <p>This final app is really just for <em>winos</em>, but it's a very good one to have in your pocket. If you're like me, you like to try lots of local wines while you're traveling, but often the labels aren't in English and you really have no idea what the tasting notes are, or how many awards the winery has won.</p> <p>With the Vivino app, you can simply take a photo of the wine bottle's label and the app will find the bottle from its archive of over 3 million wines. It will then display reviews from other users (of which there are 14 million), tasting notes, awards and even offer you other wines you may like based on your selection.</p> <p>It will also tell you where the closest store is to buy the bottle and where you can get it cheaper! This is the world's most popular and most practical wine app.</p> <p>The app is free on <a href="https://www.vivino.com/redirect/play">Android</a> and <a href="https://www.vivino.com/redirect/appstore">iOS</a>.</p> <p><em>What are your favorite travel apps? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-save-on-smartphone-costs-while-traveling">8 Ways to Save on Smartphone Costs While Traveling</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-surprising-ways-your-smartphone-can-keep-you-and-your-family-safe">6 Surprising Ways Your Smartphone Can Keep You and Your Family Safe</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-minimize-cell-phone-charges-when-you-travel-abroad">How to Minimize Cell Phone Charges When You Travel Abroad</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology Travel apps smartphone tech challenged tech savvy technology traveling Thu, 28 Apr 2016 09:30:25 +0000 Nick Wharton 1699082 at http://www.wisebread.com What to Do If You Don't Have Your ID at the Airport http://www.wisebread.com/what-to-do-if-you-dont-have-your-id-at-the-airport <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-to-do-if-you-dont-have-your-id-at-the-airport" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000047739474_Large.jpg" alt="i lost my ID at the airport" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You're at the airport heading towards the check-in line for your boarding pass &mdash; or towards the security line if you printed your pass at home. You reach into your pocket for your ID when you realize you don't have it. What do you do?</p> <h2>Don't Panic &mdash;&nbsp;You May Still Be Able to Fly</h2> <p>Take a breath, wipe the sweat from your brow, and approach a TSA agent, because there's a chance that you'll still be able to fly. Your chances will vary, depending on what other forms of ID you have, and whether you're flying domestically or internationally, but where there's a will, there's a way.</p> <p>If you're flying domestically, you're in luck. You'll likely be able to board your flight with little loss of time. If you're flying internationally, there is a chance that you'll still be able to fly, but there will be a significant amount of screening and questioning required before you are let through security without your passport.</p> <p>You can use many alternative forms of identification to get on a domestic flight. The <a href="https://www.tsa.gov/travel/security-screening/identification">TSA website</a> says that the following IDs are acceptable:</p> <ul> <li>Driver's licenses or other state photo identity cards issued by Department of Motor Vehicles (or equivalent)</li> <li>U.S. passport</li> <li>U.S. passport card</li> <li>DHS trusted traveler cards (Global Entry, NEXUS, SENTRI, FAST)</li> <li>U.S. military ID (active duty or retired military and their dependents, and DoD civilians)</li> <li>Permanent resident card</li> <li>Border crossing card</li> <li>DHS-designated enhanced driver's license</li> <li>Airline or airport-issued ID (if issued under a TSA-approved security plan)</li> <li>Federally recognized, tribal-issued photo ID</li> <li>HSPD-12 PIV card</li> <li>Foreign government-issued passport</li> <li>Canadian provincial driver's license or Indian and Northern Affairs Canada card</li> <li>Transportation worker identification credential</li> </ul> <p>According to a poll conducted by The Points Guy, some people have also made it through security with credit cards, smart phone photos of an ID, library cards, Costco cards, business cards, and many other forms of photo ID. (See also: <a href="http://www.wisebread.com/paying-while-traveling-which-is-the-smartest-option?ref=seealso">Paying While Traveling: Which Is the Smartest Option?</a>)</p> <h2>If You Don't Have Any Other Forms of ID</h2> <p>Don't worry! In the event that you are checking in without any form of valid identification &mdash; whether you lost it or simply left it at home &mdash; you may still be allowed to board the plane.</p> <p>The TSA officer may ask you to fill out a form and include your registered address, first name, middle name, family name etc.</p> <p>Typically the officer will bring you to a private screening room to have you fill out the form and answer a series of questions. The inquiries are theoretically ones that only you would know the answer to. Some questions you might expect to hear include:</p> <ul> <li>What is the make and model of your car?</li> <li>In which state was your social security card issued?</li> <li>What are your home and mobile telephone numbers?</li> <li>What city were you born in?</li> <li>What is your passport number?</li> </ul> <p>You might even be asked for the <a href="http://www.thedailybeast.com/articles/2008/11/25/how-i-got-through-airport-security-with-no-id.html">color of your house</a>. After answering as many questions as the TSA officer can throw at you, you will be required to sign a document stating that you answered all of the questions truthfully, and then you will likely be ushered to the front of the security line to continue with the regular security check-in process.</p> <p>Typically, this additional screening won't take more than 30-45 minutes, but it is still a good idea to arrive at the airport extra early &mdash; probably four hours or so &mdash; before attempting to fly without ID.</p> <p>If you cannot answer (or refuse to answer) the security questions correctly, the TSA officer may not allow you through security. In this case, you will not board your scheduled flight, but you may still be able to board another flight at a later date when you find your lost (or obtain a new) passport. You can do this without completely forfeiting the cost of your ticket.</p> <h2>Determine When You Lost Your ID</h2> <p>If you lost your ID days before your flight, go and file a police report for your lost or stolen ID. You can then present this to the TSA officer as a form of ID. This will often better your chances of getting on the flight and is recommended for anyone who has no ID at check-in.</p> <h2>How to Fly Internationally Without ID</h2> <p>You may get through the departure gates without an ID, but the real problem may come at the immigration counter when you land at your destination. It is actually up to the receiving country to decide whether or not they will let you in without a valid passport.</p> <p>The TSA agent at your departing airport may or may not help you with contacting the receiving country before your departure. If you just fly with your fingers crossed, you may end up being turned back at the immigration table when you arrive.</p> <p>If the gods are smiling on you and you manage to get through immigration at your destination airport, head straight for the embassy and file for a replacement ID to avoid more bureaucracy and hassle when you leave the country.</p> <h2>Did You Lose Your ID Abroad?</h2> <p>If you lose your ID overseas, you can get a speedy replacement at the local U.S. embassy. To help speed along the process, come with receipts or confirmation of your exit tickets, a police report of the lost ID (if possible), a photocopy or scan of your lost passport, and two passport sized photos.</p> <p>Typically, a replacement passport can be issued within eight days or less, depending on current demand at the embassy and your particular situation.</p> <h2>Tips to Prevent This Disaster In the Future</h2> <ul> <li>Always carry many forms of government ID in your wallet (in case you lose your passport).</li> <li>Spread all forms of your ID out in different parts of your wallet and luggage. That way, if you lose your wallet, you'll still have some backup photo ID in your suitcase.</li> <li>Take a photo of all of your government issued ID and save it on your smartphone.</li> <li>Carry your passport, wallet, and boarding passes in one envelope placed securely in your purse or carry on. Leave other ID in your suitcase.</li> <li>Never leave your luggage containing your ID unattended at the airport.</li> <li>Arrive at the airport early, just in case.</li> <li>Double check! It's simple and easy to say in hindsight, but always check your documentation before leaving your home or hotel.</li> </ul> <p>If you're flying internationally, you may be in a bit of trouble, but don't panic. Try your best to work through the issue in a calm and composed manner. Yelling, cursing, and overreacting won't help your situation.</p> <p>If worst comes to worst and you are denied the flight, contact your airline right away and explain what happened. Generally, airlines will allow you to transfer your ticket to another flight at a later date. You may have missed your holiday, but you don't have to lose out on your flight cost.</p> <p>Good luck!</p> <p><em>Have you lost your ID right before leaving on a trip? How did you handle the situation?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/what-to-do-if-you-dont-have-your-id-at-the-airport">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-credit-cards-that-offer-tsa-pre-check-and-global-entry-reimbursement">Best Credit Cards That Offer TSA Pre-Check and Global Entry Reimbursement</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-smart-ways-to-get-some-sleep-at-the-airport">11 Smart Ways to Get Some Sleep at the Airport</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-to-get-your-master-s-degree-abroad">3 Reasons to Get Your Master’s Degree Abroad</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/23-airport-hacks-to-remember-before-your-next-flight">23 Airport Hacks to Remember Before Your Next Flight</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airport lost ID lost license traveling what to do Thu, 07 Apr 2016 09:31:24 +0000 Nick Wharton 1686191 at http://www.wisebread.com Best Money Tips: Fun Ways to Make Money While Traveling http://www.wisebread.com/best-money-tips-fun-ways-to-make-money-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-fun-ways-to-make-money-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_world_traveler_000068178357.jpg" alt="Woman finding ways to make money while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found fun ways to make money while you travel, common budgeting mistakes, and steps to a happy new you.</p> <h2>Top 5 Articles</h2> <p><a href="http://moneypantry.com/make-money-while-traveling/">20 Fun Ways to Make Money While Traveling the World</a> &mdash; Many hostels offer discounts to visitors who agree to work there part-time. [Money Pantry]</p> <p><a href="http://www.wellkeptwallet.com/2015/12/7-common-budgeting-mistakes/">7 Common Budgeting Mistakes</a> &mdash; Setting a budget that's too strict, and constantly overspending because of it, can make you want to give up on budgeting altogether. [Well Kept Wallet]</p> <p><a href="https://getoutofdebt.org/97047/12-steps-to-a-happy-new-you">12 Steps to a Happy New You</a> &mdash; Let go any guilt you have over past choices. Strive to make better choices today. [Get Out of Debt Guy]</p> <p><a href="http://www.popsugar.com/smart-living/How-Impress-My-Boss-7115558#photo-7115558">15 Qualities That Will Impress Your Boss</a> &mdash; Bosses like employees who are on the ball. For example, show up for meetings on time, with notes and ideas. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/deals-and-steals-family-shopping-guide-for-december">Deals and Steals: Family Shopping Guide for December</a> &mdash; This is the month to shop for toys and tools! [Parenting Squad]</p> <h2>Other Essential Reading</h2> <p><a href="http://fitzvillafuerte.com/if-you-want-to-reach-your-goals-these-are-the-things-you-need-to-do.html">If You Want To Reach Your Goals, These Are The Things You Need To Do</a> &mdash; To reach your goals, you'll have to make sacrifices, go the extra mile, and take action even when it's hard. [Ready To Be Rich]</p> <p><a href="http://www.frugalvillage.com/2015/11/30/5-money-saving-last-minute-tips-for-holiday-party-food/">5 Money Saving Last Minute Tips for Holiday Party Food</a> &mdash; The Classic Dump Cake is an easy, affordable dessert. Stock on up the ingredients so you're ready for all the holiday parties you're attending. [Frugal Village]</p> <p><a href="moneyning.com/frugality/tips-to-throwing-a-great-holiday-party-on-a-tight-budget/">Tips to Throwing a Great Holiday Party on a Tight Budget</a> &mdash; The more people you invite, the more you'll spend on food and drinks, and the prep and clean-up will be more stressful, too. So pare down your guest list to VIPs only. [Money Ning]</p> <p><a href="https://due.com/blog/3-habits-that-can-ruin-your-business">3 Habits That Can Ruin Your Business</a> &mdash; Neglecting your health can harm your business, too. Your decision-making and effectiveness suffers when you're always tired and you can't concentrate. [Due.com]</p> <p><a href="http://couplemoney.com/money-questions/fight-back-identity-theft/">How to Fight Back Against Identity Theft</a> &mdash; Act fast! Contact the companies that may have been affected and set up a fraud alert on your credit report. [Couple Money]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-fun-ways-to-make-money-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-if-you-dont-have-your-id-at-the-airport">What to Do If You Don&#039;t Have Your ID at the Airport</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-money-while-traveling-the-world">How to Make Money While Traveling the World</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-making-activities-you-can-do-today">5 Money Making Activities You Can Do Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Travel best money tips make money traveling Thu, 03 Dec 2015 20:00:19 +0000 Amy Lu 1617586 at http://www.wisebread.com 3 Reasons to Get Your Master’s Degree Abroad http://www.wisebread.com/3-reasons-to-get-your-master-s-degree-abroad <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-reasons-to-get-your-master-s-degree-abroad" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_globe_000063648887.jpg" alt="Woman learning reasons to get her master&#039;s degree abroad" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Traditionally, when we think about studying abroad, it is associated with an undergrad degree. But there is a trend emerging for students to get their master's degrees, or even a second bachelor's degree abroad. And not just spend a semester, but many years in a foreign country.</p> <p>According to the Institute of International Education, more than <a href="http://www.iie.org/Research-and-Publications/Publications-and-Reports/IIE-Bookstore/New-Frontiers">46,500 students from the U.S.</a> pursued full degrees abroad in 2011-2012. Experts believe that, on average, this number grows by 5% per year with more and more U.S. students looking for new opportunities and a lower price tag for their education. If you are looking at furthering your education, check out these three amazing reasons to get your master's degree abroad.</p> <h2>Less Debt and Better Living Options</h2> <p>Unless you've been living under a rock, you are keenly aware of the steep price tag to get your education in the U.S. According to Finaid.org, the <a href="http://www.nasfaa.org/">average cost for a master's degree</a> in 2015 in the U.S. is between $30,000 and $120,000, which varies depending on the type of degree and college you wish to attend. If you already have student loans from your undergrad degree, adding another giant loan on top of that is probably not a great decision.</p> <p>Also, most international universities have a reputation of graduating students in 2-3 years, compared to the U.S., where an undergrad degree might take 4-5 years, and a master's degree might take 3-4 years. What does this mean for you? Cutting just a year from your educational expenses means that you've got more money in your wallet, and you can get to that career and paycheck you've been studying for even quicker.</p> <p>If you like the sound of a free degree, look no further than Germany. Germany is the current leader in free education, coupled with a low cost of living, and one of the most popular places around the world for millennial job growth. Germany even has a growing entrepreneurial scene and is investing heavily in those types of projects that originate in Germany. Other than a few small university fees, students can enjoy a free education with classes taught in English.</p> <p>Germany also has a reputation for high learning standards and a great reputation for students who graduate from their programs. Two of the top destinations to study are Berlin and Munich, where the cities offer great living options, loads of activities, and a great culture to explore.</p> <p>A few other countries leading the way in free (or low-cost) degree programs taught in English are:</p> <ul> <li>France (high living costs)</li> <li>Denmark (high living costs)</li> <li>Finland (high living costs)</li> <li>Norway (high living costs)</li> <li>Greece (affordable living costs)</li> <li>Czech Republic (affordable living costs)</li> </ul> <p>If you are looking to find a country with a degree that will fit your budget, check out <a href="http://www.studyabroad.com/programs/graduate/default.aspx">Studyabroad.com</a> and simply plug in the country and subject and then you are off to the races.</p> <h2>Exploration</h2> <p>One of the best reasons to get an international degree is to be able to explore the world that is literally outside your door. Studying in any of the European Union countries like France or Germany means that you are just a short train or plane ride away from so many other destinations for weekend or summer trips. Imagine attending a true Oktoberfest in Munich, or sipping wine from a vineyard in France, or seeing the running of the bulls up close and personal in Spain. Seeing the world will give you a much more well-rounded vision of different cultures and ways of life that can only enrich your future career, no matter what it might be.</p> <h2>International Experience</h2> <p>With all this exploration, you will be racking up some serious international experiences. There are many degrees like an MBA, or International Relations, or Conflict Resolution where you can benefit from the experience of studying abroad in a foreign country. You are able to learn their rules and regulations, ways of doing business, and might actually have an easier entry into your career if you plan to stay abroad.</p> <p>Most students aren't allowed to stay in the country once they graduate without a work visa. However, what better way to make contacts and forge those relationships than when you are studying there? For those of you who want to come back to the U.S. for your career, having multiple years of foreign experience under your belt can be a real resume booster and will make some great talking points in your interview.</p> <p>Whatever your reason is for going abroad, be it a purely financial decision or your desire to travel the world, the truth is that our world is so interconnected now that having an international master's degree can only add value to your future career aspirations.</p> <p><em>Have you studied abroad? Share your experience below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/shannah-game">Shannah Game</a> of <a href="http://www.wisebread.com/3-reasons-to-get-your-master-s-degree-abroad">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/budgeting-for-study-abroad-what-youll-need-and-how-to-access-your-money">Budgeting for Study Abroad: What You&#039;ll Need, and How to Access Your Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-if-you-dont-have-your-id-at-the-airport">What to Do If You Don&#039;t Have Your ID at the Airport</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-every-college-student-must-know-about-private-student-loans">6 Things Every College Student Must Know About Private Student Loans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Travel college degree student student loan study abroad traveling Thu, 12 Nov 2015 15:15:16 +0000 Shannah Game 1607584 at http://www.wisebread.com 3 Hobbies That Pump Up Your Resume http://www.wisebread.com/3-hobbies-that-pump-up-your-resume <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-hobbies-that-pump-up-your-resume" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_traveling_paris_000017104925.jpg" alt="Woman finding hobbies that pump up her resume" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Time spent away from work on hobbies is immensely valuable &mdash; it connects us with friends and family, gives us a sense of purpose and meaning, and allows us to relax, all while developing important skills. Even better, some of the skills our hobbies impart can benefit us in the workplace. Here are three hobbies that help us develop important, resume-boosting skills, without even trying.</p> <h2>1. Blogging</h2> <p>When you apply for a job, there's a good chance your would-be boss, or someone from the human resources department, is going to Google you. One of the best ways to increase your chances of landing an interview &mdash; and, eventually, the job &mdash; is to differentiate yourself from other candidates in the search results. Setting up and maintaining a <a href="http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers">professional blog</a> and social media accounts is a great way to boost your image, show off your skills and accomplishments and communicate that you have an interesting, active life outside the office.</p> <p>Plus, bloggers have a better chance of getting noticed and hired by employers because they are showcasing skills that can immediately be put into use in an office setting &mdash; from search engine optimization and social media management to writing and design. But your blog might also offer a peek into your personality. That's important, too, because, in many respects, employers are hiring as if they are choosing between candidates to <a href="http://www.asanet.org/journals/ASR/Dec12ASRFeature.pdf">be their new friend</a> as well as their new worker.</p> <p>While your blog should be professional &mdash; no party pictures or political rants &mdash; it should also offer flashes of your love for cooking or affinity for backgammon. The goal is to come across as a smart, motivated, well-rounded person &mdash; not a boring, one-dimensional robot.</p> <h2>2. World Travel</h2> <p>So you just got back from a trip around the world, or a summer spent teaching English in Nepal. Maybe you spent a month solo backpacking through South America. Wherever you were, now you're home &mdash; and you're ready to find a job. Rest assured, there's no need to try to conceal how you've been spending your time. While carving time out to travel was once considered by many employers to be frivolous, it's now more often seen as an asset. Translation: Your time spent hiking in the mountains, touring war-torn cities, and befriending the inhabitants of remote villages boosts your hireability.</p> <p>Employers need experienced workers who are comfortable with other cultures, aren't afraid of stepping outside their comfort zones, and have a thirst for familiarizing themselves with the unknown. Did you plan, finance, and budget your own travels? Then you probably picked up some budgeting, finance, and organizational skills. Did you befriend a child in Vietnam using only body language? Well, then, you're skilled at overcoming communication and language barriers. People who travel are often motivated, able to speak another language, and willing to relocate &mdash; and these are highly sought qualities in the working world. No two travelers have the same stories to tell, so be sure to use your most awe inspiring ones to differentiate yourself in your cover letter.</p> <h2>3. Team Sports</h2> <p>Participating in a team sport or activity, like club soccer, gives you a deepened sense of self-worth, purpose, and meaning. And it means you know how to play well with others &mdash; both on and off the field. Sports can teach you how to work toward a team goal while also chipping away at personal ones. They're a great way to polish your time management skills and learn the importance of commitment. They teach you how to overcome setbacks and learn from your mistakes.</p> <p>These are the qualities you build while dribbling up and down the court, making strategic passes to members of your team. And it's the stuff your future boss is looking for from new hires. The best place to list sports involvement on your resume is under an &quot;activities&quot; subhead. It's all about the keywords and phrases. Coachable. Dedicated. Accountable. Team player. Expressed properly, any job interviewer will see how your on-the-field skills will translate in the workplace.</p> <p><em>Do you have hobbies that enhance your workplace abilities? Tell us about them in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/3-hobbies-that-pump-up-your-resume">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/my-2016-budget-challenge-am-i-ruining-my-career">My 2016 Budget Challenge: Am I Ruining My Career?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-write-a-resume-12-steps-to-your-next-job">How To Write A Resume: 12 Steps To Your Next Job</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-guerrilla-job-hunting-work-for-you">Make Guerrilla Job Hunting Work for You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-minutes-to-a-linkedin-profile-that-gets-you-hired">30 Minutes to a LinkedIn Profile That Gets You Hired</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building blogging employment history job hunting resume sports teams traveling Tue, 15 Sep 2015 09:00:10 +0000 Brittany Lyte 1554884 at http://www.wisebread.com The 3 Best Jobs for Expats and Travelers http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-3-best-jobs-for-expats-and-travelers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_computer_000053499636.jpg" alt="Woman looking for job as an expat and traveler" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;The world is a book, and those who don't travel read only a page,&quot; said Saint Augustine.</p> <p>Americans take this advice to heart. They love to travel so much that they clock in more than <a href="http://travel.state.gov/content/dam/travel/CA%20by%20the%20Numbers-%20May%202015.pdf">80 million trips abroad</a> every year, and an estimated 8.7 million of Americans live overseas.</p> <p>But if you're worried you can't indulge your travel bug and still make bank, consider these three best jobs for <a href="http://www.wisebread.com/5-amazing-cheap-places-to-live-as-an-expat">expats and travelers</a>.</p> <h2>1. Teacher</h2> <p>Back in 2002, I had just completed my bachelor's degree at the University of Alberta (go Bears!) in Canada, and, like many of my fellow graduates, I was hunting for a job. You'd be surprised at the very high demand for graduates from Canadian and American colleges to teach abroad. If your dream is to live in a country for at least a year, then becoming a teacher at a foreign high school, English-language center, or university is a great way to make that dream a reality.</p> <p>Here are three programs to consider.</p> <h3>JET Program</h3> <p>U.S. citizens with at least a bachelor's degree from an accredited university before July 1st of the departure year can apply to become an <a href="http://www.us.emb-japan.go.jp/JET/positions.html#ALT">Assistant Language Teacher</a> teaching English at various grade levels throughout Japan.</p> <h3>Prepa Tec</h3> <p>One of the largest education systems in Mexico is the <a href="http://www.itesm.mx">Tecnologico de Monterrey</a>. Their high school system (better known as Prepa Tec) recruits recent graduates from universities from several countries to teach a wide variety of courses, including English, Mathematics, Science, and Political Science.</p> <h3>Kaplan</h3> <p>The test prep company Kaplan has several partnerships and often needs educators of all levels who are interested in <a href="http://careers.kaplaninternational.com">teaching abroad</a>.</p> <p>One important point to remember is to know who is responsible for applying and keeping your work visa (if required), because that's a process that can sometimes be expensive and time-consuming. Ideally, you want your employer to be the one handling all that paperwork.</p> <h2>2. Online Tutor</h2> <p>If a nine to five schedule or salary in local currency doesn't sound appealing to you, then take advantage of the internet and tutor students back in the U.S. using tools such as Skype, Adobe Connect, or FaceTime (and get paid in U.S. dollars). Additionally, depending on the length of your stay in various countries, tutoring lets you skip the entire work visa process.</p> <p>There are several sites that allow you to find students interested in online tutoring.</p> <h3>WyzAnt</h3> <p>Expert tutors can connect with students across the U.S. to schedule online lessons. From GMAT prep to Algebra to French, your subject of choice is available at <a href="http://www.wyzant.com">WyzAnt</a>.</p> <h3>Tutor.com</h3> <p>Unlike other online tutoring sites, <a href="http://www.tutor.com/apply">Tutor.com</a> is looking for applicants that can tutor at least five hours per week. That's great news for those seeking a steady source of income. Tutor.com has a very specific <a href="http://www.tutor.com/cmspublicfiles/WWW/concept-list.pdf">list of subjects</a> that they hire for.</p> <h3>SkillShare</h3> <p>Some instructors have been so successful tutoring on Skillshare that they've been able to <a href="http://www.huffingtonpost.com/2012/08/24/avil-flombaum-skillshare_n_1817784.html">quit their day jobs</a>. Even some well-known individuals, such as <a href="https://www.skillshare.com/classes/writing/Introduction-to-Screenwriting-for-Short-Films/637339250">James Franco</a>, tutored at one time using Skillshare.</p> <p>Of course, you don't need to limit yourself to just one online tutoring site. By signing up for a couple of them, you can increase your chances of keeping a consistent number of students.</p> <p>Another best practice is to build your own site to showcase your teaching portfolio and provide student testimonials. It's harder to find students this way, but cutting out the middleman allows you to pocket more per tutoring hour.</p> <h2>3. Freelance Writer</h2> <p>You, too can &quot;pull a Hemingway&quot; and sip wine while working on your next set of articles for an online publication. Depending on your subject expertise and writing ability, you can write for online magazines or blogs.</p> <p>There are several great blogs out there looking for quality writers. One great starting point to find writing assignments is the <a href="http://jobs.problogger.net">ProBlogger job board</a>.</p> <p>Don't think that the online medium is less demanding than more &quot;traditional&quot; ones. Before submitting your application to any blogging job, make sure to read the job posting thoroughly and understand what is required to apply. Sending an unrequested 31-page college thesis, misspelling the blog's name, or writing an unprofessional email will kill your application.</p> <p>A word of advice is that you may find that most blogs pay once a month. To avoid a potential cash crunch, you should write for a couple blogs and not just one.</p> <p><em>What are other great jobs for expats and travelers?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/could-online-teaching-be-for-you">Could Online Teaching Be For You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/doctor-blogger">Doctor Blogger</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-hobbies-that-pump-up-your-resume">3 Hobbies That Pump Up Your Resume</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-biggest-mistakes-freelancers-make">The 5 Biggest Mistakes Freelancers Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income blogging expats teaching traveling Tutoring working abroad Wed, 19 Aug 2015 17:00:17 +0000 Damian Davila 1524641 at http://www.wisebread.com How One Woman Retired at 60 and Traveled the World http://www.wisebread.com/how-one-woman-retired-at-60-and-traveled-the-world <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-one-woman-retired-at-60-and-traveled-the-world" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_hiking_000038203432.jpg" alt="Woman retired at 60 and traveled the world" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>More than half of Americans are worried they won't have <a href="http://www.wisebread.com/6-retirement-rules-you-should-be-breaking">enough money to retire</a>, according to a recent Gallup poll. Despite the dismal statistics, there are retirees today who live comfortably on their savings and live lifestyles that many would envy.</p> <p>Take Joe Stewart, for example, who retired early at age 60 and, in the last year alone, has used her newfound freedom to travel to Machu Picchu, the Galapagos Islands, and Puerto Vallarta. (She has a few more trips on her horizon, too!) According to Stewart, she never had a terribly high income. She started working when she was 16 and, at the height of her income earning years, brought in $60,000 per year. To get where she is today, she started saving early, made frugal life choices, and made the most of what she had.</p> <p>How did Stewart get to this sweet spot in life and, more importantly, how can the rest of us emulate her success?</p> <h2>Work Hard, Invest Early</h2> <p>Stewart started working when she was 16 years old and put herself through college with the help of a small scholarship. &quot;I never had a lot of money,&quot; she says, when discussing that she never felt the need to live an extravagant lifestyle. &quot;I don't spend money on expensive shoes. I shop at Ross and TJ Maxx. I always look great but I don't spend a lot of money on junk.&quot;</p> <p>Instead of splurging on high-end goods, Stewart instead focused from an early age on long-term investing and saving strategies. For those looking to build a solid retirement foundation, her footprint may be one worth following. (See also:&nbsp;<a href="http://www.wisebread.com/9-things-people-who-retire-early-do?ref=seealso">9 Things People Who Retire Early Do</a>)</p> <h2>Open an IRA and Buy a House (And Pay it Off)</h2> <p>In the early 1980s, Stewart and her now ex-husband started funding their individual retirement accounts and consistently maxed out their annual contribution limits. (See also:&nbsp;<a href="http://www.wisebread.com/10-easy-ways-to-supercharge-your-retirement?ref=seealso">10 Easy Ways to Supercharge Your Retirement</a>)</p> <p>Stewart and her ex-husband bought their first house in 1983. &quot;We didn't spend a lot of money,&quot; she says. &quot;Instead we put money into our house.&quot; They paid off the original house, bought a bigger home, and gradually increased their monthly payments.</p> <p>&quot;We paid off a $100,000 loan in six years,&quot; she says, &quot;even though we didn't make a lot of money.&quot; Stewart describes their careers as administrative in nature. In their two peak earning years, they reached the six figure mark collectively, but they spent many years below that level. (See also:&nbsp;<a href="http://www.wisebread.com/6-great-reasons-for-paying-off-the-mortgage-on-your-home?ref=seealso">6 Great Reasons for Paying Off the Mortgage on Your Home</a>)</p> <h2>Invest</h2> <p>Stewart was fortunate to receive corporate stock through a former employer, The Limited (L Brands). &quot;I'll admit I didn't have the foresight to buy the stock when I was working there,&quot; she says, explaining that it was offered as a benefit through her corporate retirement plan.</p> <p>&quot;In 1984 I owned $40,000 worth of the stock. That was a lot of money!&quot; she admits. &quot;In 1985, it was the best performing stock on the market. With that money I paid off our first house, paid for two college degrees, bought all our cars, took two trips to Europe, and remodeled our bathroom.&quot;</p> <p>&quot;I still have [some of] the stock,&quot; she says. &quot;That's the power of investing over time.&quot; Although, Stewart admits she was lucky it was such a strong performing stock. &quot;Friends will tell me they're afraid to lose money in the stock market. I say they're losing money by not being in the stock market! I lost $100,000 one year,&quot; she says, but even so, her investment is still going strong. (See also: <a href="http://www.wisebread.com/8-cheap-easy-and-not-so-obvious-ways-to-invest-in-a-companys-stock?ref=seealso">8 Cheap, Easy, and Not-So-Obvious Ways to Invest in a Company's Stock</a>)</p> <p>Although widely popular today, 401(k) plans weren't readily available to many employees until the early 1990s. In 1992, Stewart opened a plan through her employer, contributed 10% of her income, and gradually increased her contribution amount from there. (See also:&nbsp;<a href="http://www.wisebread.com/5-dumb-401k-mistakes-smart-people-make?ref=seealso">5 Dumb 401(k) Mistakes Smart People Make</a>)</p> <h2>Fund a Health Savings Account (HSA)</h2> <p>Stewart opened an HSA about two years ago and has been fully funding it ever since. She can use her HSA funds to help mitigate health care expenses as she ages.</p> <h2>Keep Expenses Low</h2> <p>Before she retired, Stewart earned about $60,000 per year. Of that, she saved about $800 per month plus her 401(k) and HSA contributions. Today her spending is at the same level as it was pre-retirement, but she's no longer saving.</p> <p>Stewart knows there's a certain freedom that comes when you're not beholden to your debts. &quot;My car is paid for, my home is paid for. My only expenses are utilities, living expenses, condo fees, and travel,&quot; she says. (See also:&nbsp;<a href="http://www.wisebread.com/73-easy-ways-to-save-money-today?ref=seealso">73 Easy Ways to Save Money Today</a>)</p> <h2>Don't Sweat Life's Road Blocks</h2> <p>Despite careful planning, life doesn't always unfold as planned. Stewart and her husband divorced in 2004. Conventional wisdom maintains that divorce can cause financial mayhem. Stewart is proof that it doesn't have to. &quot;We split our finances 50/50,&quot; she says. &quot;I took the equity from our paid off house and put it down on a condo and then paid that off within four years. The key for me was to be debt free.&quot;</p> <p>Stewart also didn't ask for alimony, even though her ex-husband's income was higher. &quot;Freedom has always been more important to me than money,&quot; she says.</p> <h2>Finally, Do What You Love</h2> <p>Stewart is so adept at keeping expenses low that her only real budget buster is travel. To compensate for the expense, she launched a small side freelance writing business. She earns about $10,000 per year, which is enough to cover the costs of her trips.</p> <p>&quot;My priority is to travel,&quot; she says. &quot;I pick up writing jobs here and there but I turn down administrative work and long-term projects.&quot; Maintaining flexibility and freedom are more important to Stewart than bringing home a higher income. (See also:&nbsp;<a href="http://www.wisebread.com/11-things-scientists-say-will-boost-your-happiness-today?ref=seealso">11 Things Scientists Say Will Boost Your Happiness Today</a>)</p> <p>As Stewart shows, one doesn't have to be financially wealthy to build a happy retirement. Plan early, make wise choices, and be consistent: those are the keys to her retirement success.</p> <p><em>What are you doing to prepare for retirement?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/alaina-tweddale">Alaina Tweddale</a> of <a href="http://www.wisebread.com/how-one-woman-retired-at-60-and-traveled-the-world">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-retire-rich">How to Retire Rich</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-why-you-cant-postpone-planning-for-your-retirement-and-how-to-start">This Is Why You Can&#039;t Postpone Planning for Your Retirement (And How to Start)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/money-resolutions-6-ways-to-take-control-in-2013">Money Resolutions: 6 Ways to Take Control in 2013</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-12-month-get-richer-plan">The 12-Month Get-Richer Plan</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-life-is-wonderful-when-youre-debt-free">6 Ways Life is Wonderful When You&#039;re Debt-Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement early retirement investing money savings traveling Mon, 22 Jun 2015 17:00:13 +0000 Alaina Tweddale 1462827 at http://www.wisebread.com Best Money Tips: Traveling When You Have No Money http://www.wisebread.com/best-money-tips-traveling-when-you-have-no-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-traveling-when-you-have-no-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/114424328_e45e1466f8_z-1.jpg" alt="Traveling When You Have No Money" title="Traveling When You Have No Money" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on traveling when you have no money, Halloween 2012 freebies, and cutting back on your monthly grocery expenses.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.nomadicmatt.com/travel-blogs/the-ultimate-guide-to-traveling-when-you-have-no-money/">The Ultimate Guide to Traveling When You Have No Money</a> &mdash; If you want to travel but don't have any money, consider teaching English overseas. [Nomadic Matt]</p> <p><a href="http://livingonthecheap.com/2012/10/halloween-2012-freebies-and-deals/">Halloween 2012: Free stuff and food deals</a> &mdash; This Halloween, kids eat free at Outback and you can get a coupon for a free steak dinner! [Living on the Cheap]</p> <p><a href="http://www.narrowbridge.net/8-ways-cut-back-on-your-monthly-grocery-expenses/">8 Ways Cut Back on Your Monthly Grocery Expenses</a> &mdash; Want to cut back on your monthly grocery expenses? Opt to buy fruits and veggies instead of junk food. [Narrow Bridge]</p> <p><a href="http://www.20sfinances.com/2012/10/29/6-expensive-things-every-homeowner-should-prepare-for/">6 Expensive Things Every Homeowner Should Prepare For</a> &mdash; Every homeowner should be prepared for insurance expenses. [20's Finances]</p> <p><a href="http://personaldividends.com/five-ways-to-avoid-debt-when-youre-unemployed/">Five Ways to Avoid Debt When You're Unemployed</a> &mdash; Avoid debt when you're unemployed by selling anything you don't need. [Personal Dividends]</p> <h2>Other Essential Reading</h2> <p><a href="http://beingfrugal.net/reasons-to-start-a-side-hustle/">3 Reasons to Start a Side Hustle</a> &mdash; Starting a side hustle can help you enjoy life more! [BeingFrugal.net]</p> <p><a href="http://cashmoneylife.com/large-down-payment-on-home/">How a Large Down Payment Helps You</a> &mdash; Making a large down payment on a house means you have to borrow less. [Cash Money Life]</p> <p><a href="http://www.savvysugar.com/Why-Women-Burn-Out-25626118">Experts Share Why Women Keep Burning Themselves Out</a> &mdash; Women keep burning themselves out because they don't put themselves first. [SavvySugar]</p> <p><a href="http://amateurassetallocator.com/2012/10/29/stable-value-fund-in-your-401k-not-safe/">3 Reasons Your Stable Value Fund May Not Be As Safe As You Think!</a> &mdash; Your stable value fund might not be as safe as you think it is if there is a non-disclosed surrender charge. [Amateur Asset Allocator]</p> <p><a href="http://parentingsquad.com/the-flu-vaccine-101-most-frequently-asked-questions-answered">The Flu Vaccine 101: Most Frequently Asked Questions</a> &mdash; You cannot get the flu from the flu vaccine. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-traveling-when-you-have-no-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-on-baggage-fees">6 Ways to Save On Baggage Fees</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding">5 Affordable Alternatives to Pet Boarding</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-adventurous-things-you-should-do-before-you-die">15 Adventurous Things You Should Do Before You Die</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel best money tips travel traveling Tue, 30 Oct 2012 09:48:35 +0000 Ashley Jacobs 955447 at http://www.wisebread.com Best Money Tips: Tips for Working While Traveling http://www.wisebread.com/best-money-tips-tips-for-working-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-tips-for-working-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2309149754_3596f8b057_z-1.jpg" alt="Tips for Working While Traveling" title="Tips for Working While Traveling" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on tips for working while traveling, negotiating for a better deal, and tax strategies for salaried employees.</p> <h2>Top 5 Articles</h2> <p><a href="http://freelanceswitch.com/productivity/working-while-traveling/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+FreelanceSwitch+%28Freelance+Switch%29">9 Tips for Working While Traveling</a> &mdash; When working and traveling at the same time, make sure to set concrete work hours. [Freelance Switch]</p> <p><a href="http://www.moolanomy.com/5766/things-you-didnt-know-you-could-negotiate-for-a-better-deal/">12 Things You Didn't Know You Could Negotiate for a Better Deal</a> &mdash; If you are signing a lease for the first time or renewing your lease, negotiate with your landlord for a better deal. [Moolanomy]</p> <p><a href="http://www.thedigeratilife.com/blog/basic-tax-strategies-salaried-employees/">7 Basic Tax Strategies For Salaried Employees</a> &mdash; As a salaried employee, don't forget to deduct eligible job-related expenses. [The Digerati Life]</p> <p><a href="http://www.bargaineering.com/articles/10-habits-change-save-money-year.html">10 Habits You Can Change to Save Money in the New Year</a> &mdash; This year, change your habit of working out at the gym and replace it with working out at home to save money. [Bargaineering]</p> <p><a href="http://www.cardhub.com/edu/what-to-do-with-unwanted-gift-cards/">5 Ways to Put Unused Gift Cards to Use</a> &mdash; Put your unused gift cards to use by donating them to charity. [Card Hub]<a id="fck_paste_padding"></a></p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/Nice-Things-Do-People-21449581">10 Nice Things To Do For People That Won't Cost Much</a> &mdash; Do something nice for someone without breaking the bank by helping them with their job search. [SavvySugar]</p> <p><a href="http://parentingsquad.com/lack-of-mother-toddler-bond-can-lead-to-teen-obesity">Lack of Mother-Toddler Bond Can Lead to Teen Obesity</a> &mdash; To prevent teen obesity, take time to play with your toddler. [Parenting Squad]</p> <p><a href="http://moneyning.com/money-tips/three-not-too-pricey-valentines-ideas/">Three Not-Too-Pricey Valentine's Ideas</a> &mdash; Save money this Valentine's Day by taking the time to write a heartfelt love letter. [Money Ning]</p> <p><a href="http://cashmoneylife.com/unused-529-funds/">What To Do With an Unused 529 Funds</a> &mdash; If your child decides he or she doesn't want to go to college at all, you can roll the funds over to another beneficiary. [Cash Money Life]</p> <p><a href="http://billeater.com/tips/15-ways-reduce-hotel-expenses-when-traveling">15 Ways to Reduce Hotel Expenses When Traveling</a> &mdash; To reduce hotel expenses when traveling, leverage coupons and deals. [billeater.com]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-tips-for-working-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-if-you-dont-have-your-id-at-the-airport">What to Do If You Don&#039;t Have Your ID at the Airport</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-to-get-your-master-s-degree-abroad">3 Reasons to Get Your Master’s Degree Abroad</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-travel-hacks-only-frequent-flyers-know">5 Smart Travel Hacks Only Frequent Flyers Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel best money tips traveling working Tue, 24 Jan 2012 10:48:20 +0000 Ashley Jacobs 875790 at http://www.wisebread.com Best Money Tips: Stay Sane While Traveling http://www.wisebread.com/best-money-tips-stay-sane-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-stay-sane-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/521109000_e95ddc5f2c_z-1.jpg" alt="Stay Sane While Traveling" title="Stay Sane While Traveling" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on tips to keep you sane while traveling, tax moves to make before the end of the year, and how to chose the best charity.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.carefulcents.com/2011/12/7-time-saving-tips-to-keep-you-sane-while-traveling/">7 Time Saving Tips to Keep You Sane While Traveling</a> &mdash; Keep yourself sane when traveling by slowing down and being safe. [Careful Cents]</p> <p><a href="http://www.bucksomeboomer.com/tax-moves-to-make-before-the-end-of-the-year/">Tax moves to make before the end of the year</a> &mdash; Before the year is over, remember to use your retirement accounts. [Bucksome Boomer]</p> <p><a href="http://www.moolanomy.com/5687/how-to-choose-the-best-charity-kmulligan/">How to Choose the Best Charity</a> &mdash; Make sure you chose the best charity by asking people you trust what charities they donate to. [Moolanomy]</p> <p><a href="http://www.moneytalksnews.com/2011/12/07/7-do-it-yourself-gift-ideas/">7 Do-It-Yourself Gift Ideas</a> &mdash; This holiday season, consider saving money on gifts by making someone a recipe collection. [Money Talks News]</p> <p><a href="http://www.thedigeratilife.com/blog/get-dental-insurance/">Should You Get Dental Insurance? Options For Dental Coverage</a> &mdash; An alternative for dental coverage you may want to consider are dental discount cards. [The Digerati Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/Graduate-School-Interviewing-Tips-15289802">5 Steps to Rocking Your Grad School Interview</a> &mdash; Rock your grad school interview by showcasing your diversity. [SavvySugar]</p> <p><a href="http://parentingsquad.com/parent-travel-tips-and-checklist">Travel Tips and Checklist for Parents</a> &mdash; When packing for your kids, make sure you bring ID cards and any medicines they may need. [Parenting Squad]</p> <p><a href="http://www.openforum.com/articles/lessons-in-leadership-from-andy-bernard-of-the-office">Lessons In Leadership From Andy Bernard Of The Office</a> &mdash; As a leader, sometimes it's a good idea to let employees decide how to reach their goals. [American Express OPEN Forum]</p> <p><a href="http://www.nerdwallet.com/blog/2011/place-book-travel-credit-card-mall/">Best Places to Book Travel: Your Credit Card Mall!</a> &mdash; By booking your travel through your credit card mall, you can earn rewards on top of your rewards. [Nerd Wallet]</p> <p><a href="http://www.fivecentnickel.com/2011/12/13/the-ethics-of-saving-money/">The Ethics of Savong Money</a> &mdash; What would you do if a clerk gave you back more change than he or she should have? [Five Cent Nickel]</p> <h2>News &amp; Events</h2> <p><a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news/2011/11/wise-bread-tweetchat-wbchat-1">Wise Bread Tweetchat (#WBChat)</a> &mdash; Don't miss our weekly tweetchat at 12pm PST! We will be giving away prizes!</p> <p>Be sure to check out our <a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news">News &amp; Events Calendar</a> to see all the awesome upcoming events in the personal finance world!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-stay-sane-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-if-you-dont-have-your-id-at-the-airport">What to Do If You Don&#039;t Have Your ID at the Airport</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-to-get-your-master-s-degree-abroad">3 Reasons to Get Your Master’s Degree Abroad</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-travel-hacks-only-frequent-flyers-know">5 Smart Travel Hacks Only Frequent Flyers Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel best money tips traveling Thu, 15 Dec 2011 11:00:20 +0000 Ashley Jacobs 826570 at http://www.wisebread.com Best Money Tips: Stay Healthy While Traveling http://www.wisebread.com/best-money-tips-stay-healthy-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-stay-healthy-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3515971433_23174b31f2_z-1.jpg" alt="Stay Healthy While Traveling" title="Stay Healthy While Traveling" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on how to maintain healthy habits when traveling, how to ask for a raise, and steps to forming good financial habits.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.dumblittleman.com/2011/07/how-to-maintain-healthy-habits-when.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+DumbLittleMan+%28Dumb+Little+Man+-+tips+for+life%29">How To Maintain Healthy Habits When Traveling</a> &mdash; Stay healthy when traveling by exercising on the road. [Dumb Little Man]</p> <p><a href="http://ptmoney.com/how-to-ask-for-a-raise/">How to Ask for (and Get) a Raise in a Struggling Economy</a> &mdash; To get a raise in this economy, gather evidence of your worth to show your boss. [PT Money]</p> <p><a href="http://www.bucksomeboomer.com/steps-to-forming-good-financial-habits/">Steps to Forming Good Financial Habits</a> &mdash; Form good financial habits by setting up a savings plan. [Bucksome Boomer]</p> <p><a href="http://cashmoneylife.com/retirement-jobs/">Retiring? Fun Jobs to Keep You Busy While Earning Extra Money</a> &mdash; Consider making some extra money in retirement by providing consulting work. [Cash Money Life]</p> <p><a href="http://www.biblemoneymatters.com/financial-heat-wave-5-ways-to-beat-the-heat-this-summer-on-a-budget/">Financial Heat Wave: 5 Ways To Beat The Heat This Summer On A Budget</a> &mdash; Save money and keep cool this summer by checking out a museum. [Bible Money Matters]</p> <h2>Other Essential Reading</h2> <p><a href="http://getcurrency.com/technology-toys/does-your-resume-need-a-digital-image-upgrade">Does Your Resume Need a Digital Image Upgrade?</a> &mdash; Make sure the email address you put on your resume is professional. [Currency]</p> <p><a href="http://getcurrency.com/technology-toys/does-your-resume-need-a-digital-image-upgrade">Tips For Capturing the Reading Bug and Keeping It Alive!</a> &mdash; Help your kids love reading by talking about your favorite childhood books with them. [Parenting Squad]</p> <p><a href="http://blog.creditkarma.com/kids-and-money/ditching-class-how-much-money-are-you-throwing-away/">Ditching Class: How Much Money Are You Throwing Away?</a> &mdash; When you ditch class half the time, you are wasting over $800. [Credit Karma Blog]</p> <p><a href="http://www.moneyliciousblog.com/2011/08/4-ways-to-buy-organic-food-without.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+blogspot%2FYXQz+%28Moneylicious%29">4 Ways To Buy Organic Food Without Changing Your Budget</a> &mdash; You can afford organic food if you buy on sale or with coupons. [Moneylicious Blog]</p> <p><a href="http://firefinance.blogspot.com/2008/03/three-quick-ways-to-get-out-of-debt.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+FireFinance-FinancialIndependenceRetireEarly+%28FIRE+Finance+-+Financial+Independence+Retire+Early%29">Three Quick Steps To Get Out of Debt</a> &mdash; Get out of debt by trimming your expenses. [Fire Finance]</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-stay-healthy-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-foods-scientifically-proven-to-increase-your-lifespan">6 Foods Scientifically Proven to Increase Your Lifespan</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-easy-ways-to-start-taking-better-care-of-yourself-today">9 Easy Ways to Start Taking Better Care of Yourself Today</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-more-supposedly-healthy-things-that-are-actually-hurting-you">9 More Supposedly Healthy Things That Are Actually Hurting You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/people-who-love-their-bodies-never-do-these-17-things-do-you">People Who Love Their Bodies Never Do These 17 Things — Do You?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-dumb-things-holding-you-back-from-losing-weight">14 Dumb Things Holding You Back From Losing Weight</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips best money tips Health traveling Wed, 03 Aug 2011 10:00:15 +0000 Ashley Jacobs 648809 at http://www.wisebread.com Best Money Tips: Reduce Baggage While Traveling http://www.wisebread.com/best-money-tips-reduce-baggage-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-reduce-baggage-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4864416325_4af280fb78_z-1.jpg" alt="Reduce Baggage While Traveling" title="Reduce Baggage While Traveling" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on how to reduce baggage when traveling, creating a budget, and questions to ask your financial advisor.</p> <h2>Top 5 Articles</h2> <p><a href="http://lifehacker.com/5803020/pack-multi+use-items-to-reduce-baggage-while-traveling">5 Multi-Use Items to Reduce Baggage While Traveling</a> &mdash; Next time you travel, be sure to pack a banded notebook. [Lifehacker]</p> <p><a href="http://genxfinance.com/creating-a-budget-money-management/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=creating-a-budget-money-management">Creating a Budget: Money Management Basics</a> &mdash; When making a budget, let the Internet do your dirty work. [Gen X Finance]</p> <p><a href="http://www.freemoneyfinance.com/2011/05/ten-questions-to-ask-a-financial-advisor.html">Ten Questions to Ask a Financial Advisor</a> &mdash; Next time you see your financial advisor, be sure to ask if there is a good chance your investments will lose money. [Free Money Finance]</p> <p><a href="http://www.financialsamurai.com/2011/05/18/how-to-trick-an-employer-into-hiring-you/">How To Trick An Employer Into Hiring You</a> &mdash; Trick employers into hiring you by being positive. [Financial Samurai]</p> <p><a href="http://www.investopedia.com/articles/pf/08/inexpensive-weddings.asp">Have A Charming (And Cheap) Wedding</a> &mdash; Have a frugal wedding by holding the wedding in a city park. [Investopedia]</p> <h2>Other Essential Reading</h2> <p><a href="http://getcurrency.com/dining-travel/how-to-purge-your-kitchen-pantry-of-guilt-and-garbage">How to Purge Your Kitchen Pantry of Guilt and Garbage</a> &mdash; Clean out your pantry by taking mental notes of what you aren't eating. [Currency]</p> <p><a href="http://parentingsquad.com/25-great-everyday-uses-for-vinegar">25 Great Everyday Uses For Vinegar</a> &mdash; Use vinegar to clean your oven vents. [Parenting Squad]</p> <p><a href="http://funny-about-money.com/2011/05/18/how-to-deal-with-a-workplace-bully/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+funny-about-money%2Ffunny+%28Funny+About+Money%29">How to Deal with a Workplace Bully</a> &mdash; Deal with workplace bullies by taking written observations. [Funny about Money]</p> <p><a href="http://www.pickthebrain.com/blog/6-sneaky-weight-loss-tricks/">6 Sneaky Weight-Loss Tricks</a> &mdash; Lose weight by weighing yourself weekly. [PickTheBrain]</p> <p><a href="http://firstgenerationwhitecollar.com/2011/05/18/how-to-spend-money/">How to spend money</a> &mdash; Before you spend money, be sure to ask yourself if the purchase will put you in debt. [First Generation White Collar]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-reduce-baggage-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-packing-secrets-from-a-professional-traveler">15 Packing Secrets From a Professional Traveler</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-on-baggage-fees">6 Ways to Save On Baggage Fees</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-airline-lost-your-luggage-now-what">The Airline Lost Your Luggage. Now What?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-flying-easy-the-ultimate-carry-on-packing-list">Make Flying Easy: The Ultimate Carry-On Packing List</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel baggage best money tips luggage traveling Thu, 19 May 2011 10:00:31 +0000 Ashley Jacobs 545427 at http://www.wisebread.com Truly Offbeat Budget Travel Tips http://www.wisebread.com/truly-offbeat-budget-travel-tips <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/truly-offbeat-budget-travel-tips" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/travel-resources.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="168" /></a> </div> </div> </div> <p>It&rsquo;s the new year and you want to get your travel on, only your wallet isn&rsquo;t working for you. You&rsquo;re scrimping and saving, even though you&rsquo;re unsure about where or even how you can travel during your vacation. It&rsquo;s time to veer off the traditional travel trails and into a more localized experience &ndash; even if you journey to a destination far from home.</p> <p>There are tons of ways to save money and experience a new culture &ndash;sometimes for free &ndash; by exploring the local terrain, be it an urban, bucolic, or rugged outdoors location. And the best way to find out where the real deals are is to ask the locals &ndash; they know where the good (and cheap) stuff is.</p> <p>Here are some local digs that offer sweet information about where to stay and what to do while you&rsquo;re there.</p> <p><strong>Hostels: </strong>Not just a place to crash. The front desk at any hostel offers a plethora of local information, from where to find the best pubs to where to check out local dance performances. For instance, a whirl through San Francisco found me hanging at the San Francisco Fisherman&rsquo;s Wharf hostel in Fort Mason right near Golden Gate Park. Not only did the front desk hand me a detailed map off all of the local public transportation routes, but they also told me where the nearest parks, cafes, and libraries were. In fact, they gave me enough information to occupy me for days and for a relatively small amount of money. Plus, hostel staff members are usually very friendly and informative. Just ask them about what you&rsquo;re looking for and they&rsquo;ll tell you. Don&rsquo;t forget to check the bulletin boards for local events. </p> <p><strong>Yahoo Groups: </strong>A virtual hangout spot teeming with people who know about your destination. With a regional directory of groups, you can surf on through here and find out what&rsquo;s happening in different spots around the world. Want to know about things to do in Botswana or how to find romance in Germany? There&rsquo;s a group for it somewhere in there.&nbsp; Join up and start asking questions.</p> <p><strong>Local papers: </strong>Not the big city kind; the ultra-local neighborhood papers will serve you better here. The last time I hit a big American city and needed the low down on what to do, I grabbed a few papers from the stands on the streets. The hyper-local ones provide the best details on local restaurants, museums, and parks. As an added bonus, you get a feel for what the place is like and how much time you want to spend there. </p> <p><strong>Local libraries: </strong>More than a research facilities or places to pick up the latest fiction for free, these are information powerhouses on the local front. In fact, a few years ago, I rolled on out to Bali and kicked it in Ubud for a few weeks. While I was there, I was getting too frustrated with my inability to speak Indonesian. I headed on down to the local library where I not only found a cool Indonesian language instructor (for about $6 an hour, a top-rate bargain), but I also picked up info on the latest events, classes and treks in the area. While I was there, I met a few local expats who now called Bali home and they turned out to be the best information sources around. </p> <p><strong>Local bookstores: </strong>Yet more information powerhouses. These gems can give you access to books in your own language as well as the language of the country you&rsquo;re in. You can also check out the local bulletin boards for information on events and activities in the immediate area. And the owners are used to answering lots of questions, so ask them what activities they suggest doing while you&rsquo;re in the area. </p> <p><strong>Local sports shops: </strong>If you haven&rsquo;t already booked an adventure trip or if find yourself with some free time and the urge to get out into nature, local sports stores can be a great place to start. Call around if you can. Or show up and see if you can talk to the people in the store. Want to go on a bike tour around the area? The people at the local bike shop not only have <a href="http://www.wisebread.com/bike-on-great-deals-on-all-things-bicycle">the gear you need</a>, but they probably know where the best rides are and what you can see along the way. Remember, mostly sports enthusiasts work in sports shops. <a href="http://www.wisebread.com/super-sports-gear-for-less">They know the things you need to know</a>. And if they don&rsquo;t know, they can tell you who does. </p> <p><strong>Your university alumni association: </strong>Your university usually has a directory of alumni, some of whom might be traveling or living in another country. Why not ping a former friend or classmate and find out what they&rsquo;re up to? They might have ideas on what you can do, as well as contacts in your destination area. </p> <p><strong>Other travelers: </strong>Then there&rsquo;s the tried and true, just hanging around experience that drums up some the best times you&rsquo;ll have while you&rsquo;re traveling. Hang out around sports shops, museums, cafes, the beach. Anywhere you like to be. You&rsquo;ll soon find yourself chatting with other locals and travelers &ndash; and finding out the local tips and tricks that no guidebook can truly offer.</p> <p>So start asking around. You never know what you&rsquo;ll find out and what kinds of truly free or amazingly budget-friendly things you can find to do by taking a grassroots, local approach to travel. And you might make some cool new friends in the process.<br /> &nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sasha-a-rae">Sasha A. Rae</a> of <a href="http://www.wisebread.com/truly-offbeat-budget-travel-tips">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-that-anyone-can-travel-for-free">7 Ways That Anyone Can Travel for Free</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-a-budget-travel-expert-beth-whitman-here-to-answer-your-questions">Ask a Budget Travel Expert: Beth Whitman Here To Answer Your Questions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-rules-of-budget-travel">The 7 Rules of Budget Travel</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-costa-rica-heist-remix-a-case-for-t-i">The Costa Rica Heist (Remix) A case for T.I.</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-save-on-accommodations-online">8 Ways to Save on Accommodations Online</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Art and Leisure budget travel travel tips traveling Sun, 03 Jan 2010 14:00:11 +0000 Sasha A. Rae 4396 at http://www.wisebread.com Cash Is King: Now What Should I Do With It? http://www.wisebread.com/cash-is-king-now-what-should-i-do-with-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/cash-is-king-now-what-should-i-do-with-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/piles money.jpg" alt="" title="Pile of cash" class="imagecache imagecache-250w" width="250" height="311" /></a> </div> </div> </div> <p>My wife and I&nbsp;are lucky. Really lucky.</p> <p>The economy is in shambles, the housing market is still trying to figure itself out, job security is a thing of the past, and <em>Lost </em>is still confusing the crap out of me. But we still feel incredibly lucky.</p> <p>What could possibly so much relief to a person's life during these times?</p> <p>How about a huge pile of cash? Me and my wife, we've got it. We got married last year and got tons of cash gifts, which was incredible. Plus we've been saving as much money as possible for the past couple of years for a down payment on a place. But we're not sure we can afford the place we want just yet. We may be another year or so away.</p> <p>So having this pile of cash has given us peace of mind like you wouldn't believe.</p> <p>But it's also paralyzed me with a new set of decisions I&nbsp;never thought I'd have to face: <strong>what should I&nbsp;do with all this money?</strong></p> <p>The plan is to buy a place, yes, I get that. I&nbsp;should probably stick to the plan. But here are some other ideas I&nbsp;probably need to be talked out of (fast!) before I get lured in or before my wife finds out about some of them:</p> <ul> <li><strong>Travel:</strong> People always say that they should've traveled more when they were young, but they just didn't have the money. Then when they're older they can't because they don't have the time. Well, I'm 28 and I&nbsp;definitely have the money. With this much money, you can make the time. We have no kids, either, so we're good there. It's tempting to sketch out a trip to Argentina, a cruise to Alaska, and a safari through the Serengeti and just do it. Both my wife and I&nbsp;would <em>love </em>it. <strong>Probability: C-. I'm just too chicken to do it. <p> </strong></li> <li><strong>Baby money: </strong>We're thinking of bringing a mini WC&nbsp;Porter into the world within the next year or so. Since I'm a person that tends to freak out, having a lot of money set aside for baby stuff (diapers, bouncy chairs, sippy cups) would make me feel more comfortable about it. I'm sure I'm overthinking this bit, but it's something totally new and kind of scary, so at least I&nbsp;could come home to my pile of cash and find some comfort. <strong>Probability: C. It's kind of silly.</strong><br /> &nbsp;</li> <li><strong>Cushion:</strong> Keep it all where it is (ING) and don't touch it. Maybe we both get fired next week and this is what gets us over the hump. They call it an emergency fund for a reason. Either way, having it in the bank is an incredible stress reliever, especially when so many people are losing their jobs. If I&nbsp;didn't have the cash and I&nbsp;got fired, guess what I&nbsp;would do?&nbsp;That's right, I'd be doing the freak-out dance. <strong>Probability: B. It's the sensible thing to do.</strong><br /> &nbsp;</li> <li><strong>Down Payment</strong>: Use it for what it was meant to be used. Revolutionary, no? We've wanted to live in our own place for a long time, we just haven't seen something we can afford that we love. So maybe we hold out until we do (prices need to come down just a tad more). Plus there are some breaks out there for 2009 that would help us out. The only thing is that we would be blowing a TON&nbsp;of money on the down payment, which makes me nervous&mdash;I would miss my pile so much. And having a baby while signing mortgage papers at the same time?&nbsp;<em>Paging Dr. Stress, Dr. Stress please.</em> <strong>Probability: A. It's the original plan.</strong><br /> &nbsp;</li> <li><strong>Double it:</strong> This is the latest one that jumped into my skull the other day. I look at what Citigroup's stock has done over the past week or so (doubled) and the huge rally the market had on Monday (up 7%), and my head starts crunching the numbers: &quot;So if I&nbsp;had bought Citi stock at under $1, that means my pile would be at&mdash;&quot; And then I start freaking out. If I managed to double this pile of cash we could buy a <em>really </em>nice place, travel a ton, and still have enough for the baby's diapers. <strong>Probability: F. My wife would stab me with a pen and then divorce me...unless it worked.</strong></li> </ul> <p>I&nbsp;think it's pretty obvious what we should do. Or at least it's obvious what we shouldn't do.</p> <p>Are there any other possibilities I should consider?&nbsp;After all, when else am I going to be young, rich, and in the driver's seat?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carlos-portocarrero">Carlos Portocarrero</a> of <a href="http://www.wisebread.com/cash-is-king-now-what-should-i-do-with-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-opportunity-funds-are-the-new-emergency-funds">Why &quot;Opportunity&quot; Funds Are the New Emergency Funds</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/managing-your-short-term-money">Managing Your Short-Term Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/my-disgusting-fake-game-show-asks-what-would-you-do-for-money">My disgusting fake game show asks &quot;What would you do for money?&quot;</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-graduate">5 Money Moves to Make the Moment You Graduate</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-12-month-get-richer-plan">The 12-Month Get-Richer Plan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance buying a home cash child Making Extra Cash savings traveling Thu, 26 Mar 2009 00:10:45 +0000 Carlos Portocarrero 2975 at http://www.wisebread.com