language http://www.wisebread.com/taxonomy/term/10661/all en-US 4 Magic Words and Phrases That Will Make You Sound Smarter http://www.wisebread.com/4-magic-words-and-phrases-that-will-make-you-sound-smarter <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-magic-words-and-phrases-that-will-make-you-sound-smarter" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/business-conversation-513991085-small.jpg" alt="conversation" title="conversation" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Smart is the new sexy.</p> <p><a href="http://youtu.be/zuBSRC1zpHw">Ashton Kutcher</a> said it best, &quot;the sexiest thing in the entire world is being smart, being thoughtful, and being generous. Everything else is crap.&quot; (See also: <a href="http://www.wisebread.com/want-to-be-more-attractive-work-these-5-magic-words-and-phrases-into-your-vocabulary?ref=seealso">Want to Be More Attractive? Work These 5 Magic Words (and Phrases) Into Your Vocabulary</a>)</p> <p>However, appearing smart takes more than just throwing on a pair of glasses and learning complicated words, such as denouement or onomatopoeia. To help you smarten up, here are four magic words and phrases to work into your speech and writing.</p> <h2>1. &quot;Because&quot;</h2> <p>This is one of the most powerful words in the English language. It's so powerful that it increases your chances of getting people to agree with you.</p> <p>Let's imagine that you are waiting in a long line to use the photocopier. Somebody tries to cut in and asks you &quot;Excuse me, I have five pages. May I use the Xerox machine?&quot; According to one study, <a href="http://www.communicationcache.com/uploads/1/0/8/8/10887248/the_mindlessness_of_ostensibly_thoughtful_action-_the_role_of_placebic_information_in_interpersonal_interaction.pdf">only 60% of individuals would let the person cut in</a>. But when the person tweaks his question to &quot;I have 5 pages. May I use the Xerox machine, <em>because</em> I am in a rush?&quot; a whopping 94% of individuals would let the person cut in.</p> <p>But wait a minute, aren't most of us, including those waiting in line, in a rush? Why in the world would virtually everybody let that person cut in line? The answer is that people simply like to have a reason for doing what they do (a.k.a. &quot;What's in it for me, buddy?&quot;). By using &quot;because&quot; you're providing that reason. Turns out that most of us won't argue when provided a reason, even if it may not be that great.</p> <h2>2. &quot;You're Right&quot;</h2> <p>One of the advantages of being smart is that you win arguments. &quot;You're right&quot; is your magic shortcut to appear smarter during arguments and, hence, win them more often.</p> <p>The main issue with arguments is that they take place when there's a problem that needs to be resolved. Whenever there are problems, you will have to deal with conflicts. If you only focus on the negative aspects of the conflict, then the arguments get heated. Nothing good comes out of a heated discussion.</p> <p>The best way to keep a balanced argument is to make <a href="http://www.salon.com/2012/06/03/your_words_matter/">three positive comments for every negative comment</a> that you make. By keeping the negativity in check, you're increasing your chances of solving the problem. &quot;You're right&quot; achieves this for you.</p> <p>&quot;You're right&quot; is a magic phrase for two reasons. First, it's an easy crutch to use when you can't come up with a positive comment. For example, you can use it when the other person mentions a fact (&quot;You're right, the invoice does show 17 widgets.&quot;). Second, &quot;You're right&quot; kicks in the rule of reciprocation. By making this concession, the other person is obligated to return a concession of their own.</p> <h2>3. &quot;Instantly&quot;</h2> <p>From headache-relief pills to menu items to answers, we want things to work right now.</p> <p><a href="http://www.ncbi.nlm.nih.gov/pubmed/22633679">MRI studies</a> have shown that our brains get all excited at the mention of instant gratification. That's why you can't sound like it will take too long to work with you. You have to add to your vocabulary words that trigger that much needed instant gratification, such as &quot;instantly,&quot; &quot;immediately,&quot; and &quot;fast.&quot;</p> <ul> <li>Say &quot;I'll get back to you <em>immediately</em>&quot; instead of &quot;I'll get back to you.&quot;</li> <li>Promise to deliver <em>fast</em> results, not just results.</li> <li>Assert &quot;my proposal addresses your needs <em>instantly</em>.&quot;</li> </ul> <p>An important warning is that when you use &quot;instantly,&quot; you must deliver on your promise. Nothing is worse than failing to meet the high standards that made somebody choose you over somebody else. You may get away with under-delivering on your promises once, but once the word gets out, nobody will buy your empty promises any more.</p> <h2>4. &quot;Even&hellip;&quot;</h2> <p>Throughout your day you do your best to convince other people to do things, for example:</p> <ul> <li>Asking your 5-year old son to eat his vegetables.</li> <li>Requesting your boss for an extra 20 minutes during your lunch break.</li> <li>Calling your insurance company for a discount on your premium.</li> </ul> <p>We have already discussed how using &quot;because&quot; dramatically increases your chances of getting your way, but here's an extra way to make your offer irresistible: Downplay your request through the smart use of &quot;even&quot;.</p> <p>In a study, <a href="http://www.mhhe.com/cls/psy/ch15/foot.mhtml">people were asked for donations</a> using two types of requests:</p> <ol> <li>&quot;Would you be willing to help by giving a donation?&quot;</li> <li>&quot;Would you be willing to help by giving a donation? <em>Even</em> a penny will help.&quot;</li> </ol> <p>When using the first question, only 28% of people donated. When using the second question that included the &quot;even&quot; statement, 50% of people donated.</p> <p>By setting minimal parameters for your request, you can make people almost twice as likely to agree to it. The best part of this study is that donors that responded to the second question donated the same amounts as donors from the first question. This means that if you ask your boss, &quot;Can I get an extra 20 minutes for my lunch break? <em>Even</em> five will help,&quot; she will still agree to give you the full 20 minutes.</p> <p><em>What words or phrases do you find smart? Please share them in comments!</em></p> <a href="http://www.wisebread.com/4-magic-words-and-phrases-that-will-make-you-sound-smarter" class="sharethis-link" title="4 Magic Words and Phrases That Will Make You Sound Smarter" rel="nofollow">ShareThis</a><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/4-magic-words-and-phrases-that-will-make-you-sound-smarter">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/what-does-ymmv-mean-the-official-guide-to-decoding-the-language">What Does “YMMV” Mean? The Official Guide to Decoding the Language of Frugality</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/you-can-learn-a-new-language-just-use-one-of-these-3-apps">You CAN Learn a New Language — Just Use One of These 3 Apps</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/6-habits-that-are-quietly-eating-your-brain">6 Habits That Are Quietly Eating Your Brain</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-eat-for-lunch-for-a-more-productive-afternoon">What to Eat for Lunch for a More Productive Afternoon</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/10-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</a></span> </div> </li> </ul> </div> </div> </div> </div> General Tips language magic words sound smarter Mon, 24 Nov 2014 13:00:10 +0000 Damian Davila 1258686 at http://www.wisebread.com 10 Words to Never Use in a Job Interview http://www.wisebread.com/10-words-to-never-use-in-a-job-interview <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-words-to-never-use-in-a-job-interview" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/business-186956838.jpg" alt="hand covering mouth" title="hand covering mouth" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Job interviews are tough, if you're lucky enough to get one. A recent study found that 80% of the available jobs in the US are never advertised. And only 20% of people who apply for any given job actually get an interview.</p> <p>So, if you do have an interview lined up, congratulations; you've already beaten the odds. Now, you have to get through the interview, and once again the odds are stacked against you. First impressions count, and doing your homework on the company you want to work for is a given. But what else can you do, or not do, to improve your odds of getting the job?</p> <p>Below are 10 words that you should never use in an interview. Read on to learn these words, and understand why you shouldn't be using them. Whether the employer is conscious of these words or not, by avoiding them, you raise your chances of being hired. Of course, we're excluding blatant curse words, racial slurs, and other obvious words to avoid. If you're using them in an interview, you'll need more than a little luck. (See also: <a href="http://www.wisebread.com/this-interview-technique-will-get-you-hired?ref=seealso">The Interview Technique That Will Get You Hired</a>)</p> <h2>1. Um</h2> <p>You may have other variations of it:&nbsp;<em>erm</em>, <em>hmm</em>, or <em>urh,</em> for instance. Whatever your go-to &quot;I need to think about this but keep making a sound&quot; phrase is, don't use it. It will kill a presentation, and your job interview is a presentation about yourself.</p> <p>Sure, this is not as formal as public speaking, and one or two uses of the <em>um</em> word may go by unnoticed. But if you are answering every question with <em>um</em>, the interviewer knows you are using a filler word to give yourself more time to answer. Why? Are you having trouble coming up with something? Are you about to lie? Are you not knowledgeable on the subject? If you need time to think, simply pause and say nothing. It is way better than thinking aloud.</p> <h2>2. Try</h2> <p>A very wise fellow once said, &quot;Do, or do not; there is no try.&quot; That was Yoda, and how right he was.</p> <p>You can <em>try</em> your hardest to do something, but saying &quot;I <em>try</em>&quot; in an interview is both vague and non-committal. For instance &quot;I <em>try</em> to do about three hours of studying every night.&quot; What does that mean? I could <em>try</em> to lift a dump truck with my little finger; it doesn't mean I will ever succeed. Similarly &quot;I <em>try</em> to make the best of a bad situation,&quot; or &quot;I <em>try</em> to get in early every day&quot; is just as bad. It means nothing and gives the interviewer a reason to question your response. Cut it out.</p> <h2>3. Hate</h2> <p>It's a strong word. Actually, it's a very strong word. And when people do use it in an interview, it's usually about a previous job (or current employer).</p> <p>If you are asked about your current boss and you say &quot;I <em>hate</em> him&quot; or &quot;I <em>hate</em> working for her&quot; you are entering a world of pain. Similarly, if you start saying &quot;I <em>hate</em> this about the industry&quot; or &quot;I <em>hate</em> the way&hellip;&quot; then you're really piling on the negatives. It's OK to dislike the way certain people do things, or the kinds of systems that are put in place. But to bring out a heavy hitter like <em>hate</em>? That's not a good idea. <em>Hate</em> is a word that should be reserved for your personal life, not your professional life.</p> <h2>4. Honestly</h2> <p>There is a difference between being honest and specifying that you're being honest. If someone asks you your opinion on something, and you begin with <a href="http://online.wsj.com/news/articles/SB10001424052702303802904579332751950927282/"><em>honestly</em> or to <em>be honest</em></a> there are four possible outcomes. First, they'll think nothing of it, which is doubtful. Second, they'll overlook it. Third, they'll think you are actually trying to hide insincerity. Or fourth, they'll think you're lying every other time you open your mouth. Don't fall into this trap. Be honest, without being blunt or rude, but don't say you're being honest. It's a red flag.</p> <h2>5. Perfectionist</h2> <p>This word is loaded, and for all the wrong reasons. Very few people in this world are actually true <em>perfectionists</em>. The word itself means &quot;a propensity for being displeased with anything that is not perfect or does not meet extremely high standards.&quot; So if you're taken literally, the interviewer now knows you will be unhappy 99% of the time because perfection is almost impossible to achieve in any job. Usually, this word comes about when asked for a weakness. People refuse to give one, and so say something like &quot;if anything, I think I'm a bit of a <em>perfectionist</em>.&quot; No, you're not. Put this word in the mental trashcan.</p> <h2>6. Amazing</h2> <p>In 2012, the word <em>amazing</em> topped a list of <a href="http://www.theguardian.com/books/2012/jan/05/amazing-vote-words-banned-banished">words that should be banned</a>. As someone who has interviewed many people over the years, the word <em>amazing</em> is one that continues to stick in my craw. In fact, only once has that word lived up to the hype; the advertising campaign they presented to me really did get <em>amazing</em> results.</p> <p>Usually, <em>amazing</em> is interchangeable with <em>nice</em>, <em>good</em>, <em>interesting</em>, or <em>noteworthy</em>. But as the definition of amazing is &quot;causing great surprise or wonder,&quot; it should be used sparingly. You were not an <em>amazing</em> supervisor. You did not do an <em>amazing</em> job. You did not work for an <em>amazing</em> boss.</p> <h2>7. Basically</h2> <p>What does <em>basically</em> mean? Well, <em>basically</em>, it&hellip;ah, I almost fell into the trap.</p> <p><em>Basically</em> is a way of teeing up events that are complex, and breaking them down to something more easy to understand. The explanation should be quick, and brief. So when a mechanic says, &quot;<em>Basically</em>, you need some new parts for your engine&quot; he or she is saving you the trouble of going into detail about the pistons, valve guides, counter-shift balancers and a whole host of other stuff most people don't understand. But when someone says &quot;<em>Basically</em>, I was in charge of a team of four graphic designers, and we oversaw the creation and production of a vast array of print projects including, but not limited to, magazine ads, newspaper articles, logos, brand identities, corporate stationery, signage systems, typographic solutions, page layouts, point of sale terminals, and annual reports,&quot; they are not being basic at all. Just drop it, and explain what you did without using it.</p> <h2>8. Irregardless</h2> <p>A small red wiggly line has just appeared under the word <a href="http://www.worldwidewords.org/qa/qa-irr1.htm"><em>irregardless</em></a> as I write this; that means my copy of Microsoft Word does not believe this is a real word. It does appear in many dictionaries though, and it has been in conversation since the late 19th century. But that doesn't make it acceptable.</p> <p>The word <em>irregardless</em> is a melding of two words &mdash; <em>regardless</em>&nbsp;and <em>irrespective</em>. They both mean exactly the same thing. So using this is word shows a lack of respect, or understanding, of language; that's not a great idea during an interview. It also makes some people go nuts, and you don't want to risk your interviewer being one of those people. Just use regardless, and drop the pointless prefix.</p> <h2>9. Whatever</h2> <p>So let's be clear on this. If you use it in the &quot;<em>whatever</em> project was put in front of me, I approached it with vigor&quot; kind of way, you'll probably be OK. It's the dismissive<em> whatever</em> that should be struck from your lexicon. If you're using it to say you didn't care about the outcome of something, you should find another word&hellip;and quickly. A few years ago, whatever ranked as <a href="http://maristpoll.marist.edu/107-whatever-takes-top-honors-as-most-annoying/">one of the most annoying words</a> used by Americans. &quot;They overlooked me for a pay raise. Hey, <em>whatever</em>.&quot; That will not stand you in good stead. If you want to say it was no problem, say it and justify it. But don't sound like a facetious valley girl.</p> <h2>10. I</h2> <p>You know what they say &mdash; there is no <em>I</em> in TEAM. If you use <em>I</em> a lot, you're focusing everything on yourself and not on the job or the employer. While you should certainly be promoting yourself, you really need to be careful with the use of <em>I</em>. Use it too often, and you will begin to come across as some self-centered egomaniac that has only one subject to talk about &mdash; yourself. Instead of using <em>I</em>, find ways to turn the sentences around. Instead of saying &quot;<em>I</em> am a hard worker&quot; say &quot;My work ethic is strong, and greatly benefited my last employer.&quot; Instead of &quot;<em>I </em>am a great with budgets&quot; try &quot;Budget management was very important to me in my last position.&quot; You're saying the same things without turning it into a &quot;look at me, look at me&quot; party. (See also: <a href="http://www.wisebread.com/10-things-you-did-wrong-at-your-last-job-interview?ref=seealso">Things You did Wrong at Your Last Job Interview</a>)</p> <p><em>Are you an employer who has specific words and phrases that really bug you? Let us know what they are and how interviewees can avoid them.</em></p> <a href="http://www.wisebread.com/10-words-to-never-use-in-a-job-interview" class="sharethis-link" title="10 Words to Never Use in a Job Interview" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-words-to-never-use-in-a-job-interview">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/10-things-you-can-do-right-now-to-become-more-hirable">10 Things You Can Do Right Now to Become More Hirable</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/master-these-15-interview-questions">Master These 15 Interview 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/how-not-to-answer-10-of-the-most-common-interview-questions">How NOT TO Answer 10 of the Most Common Interview Questions</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/why-a-lousy-job-can-lead-to-a-bright-future">Why a Lousy Job Can Lead to a Bright Future</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/7-job-search-stunts-to-get-you-noticed-by-employers">7 Job Search Stunts to Get You Noticed by Employers</a></span> </div> </li> </ul> </div> </div> </div> </div> Career Building Job Hunting first impression interview job search language Wed, 07 May 2014 09:00:20 +0000 Paul Michael 1138213 at http://www.wisebread.com You CAN Learn a New Language — Just Use One of These 3 Apps http://www.wisebread.com/you-can-learn-a-new-language-just-use-one-of-these-3-apps <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/you-can-learn-a-new-language-just-use-one-of-these-3-apps" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/languages-186007356.jpg" alt="languages" title="languages" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Learning a new language used to mean taking years of classes in high school. When you graduated, you knew enough Spanish, French, or German to buy a sandwich, find a bathroom, or ask if anyone speaks English &mdash; should you travel to another country. Learning a new language outside of school meant buying expensive CD sets that you listen to while you were driving or sitting around your home. You could go at your own pace but didn't have anyone to converse with or practice your new skills. (See also: <a href="http://www.wisebread.com/5-ways-to-learn-a-language?ref=seealso">5 Ways to Learn a Language</a>)</p> <p>Thanks to the growth in technology and the development of language learning apps, you can acquire new language skills in a short amount of time and from the comfort of anywhere. Great apps can range from free to a small monthly fee to the purchase of a $25 app. The best apps offer a range of features for various learning preferences. Here are three great ones to consider.</p> <h2>Duolingo</h2> <p><a href="http://www.duolingo.com">Duolingo</a> is a free app available for IOS and Android devices. It is an easy-to-use program that will leave you feeling successful after the first lesson and has been highly regarded as one of the best language learning models available. One independent research study found that Duolingo works as well as one semester of college level language classes in just 34 hours of time on the app. Imagine spending one hour a day for one month working on learning a language and acquiring the same skills you would have had you paid thousands of dollars and many weeks attending a university course! (See also: <a href="http://www.wisebread.com/learning-without-the-high-cost-of-higher-education?ref=seealso">Learning Without the High Cost of Higher Ed</a>)</p> <p>Duolingo works by asking its language learners to translate real sentences that have been uploaded to their software. Users can vote on whether translations are correct. Once a document is fully translated, the one who uploaded it pays Duolingo. This keeps it free for the language learner.</p> <p>Lessons are broken up into small chunks which offer repeated practice of the same five or six words in isolation, in phrases, and in complete sentences. It pairs audio and text to teach you the phrases and then uses your microphone to verify your pronunciation. There are a number of languages available to learn but not as many as other apps. (Available at this time are Spanish, French, German, Italian, and Portuguese.) The app has a simple layout and is easy to navigate. (A friend's child was learning Spanish within seconds of loading the app onto a phone, making it worth a download by everyone.)</p> <h2>Memrise</h2> <p>Another free app that is available on both IOS and Android devices is <a href="http://www.memrise.com">Memrise</a>. This app allows users to learn all of the languages that Duolingo does plus Russian, Japanese, Arabic, and many more. (There is a premium feature in the works that may change what is free and what is not in the future.)</p> <p>Memrise provides a combination of text, audio, and pictures to help you learn words and phrases. It offers the learner repeated exposure with the same phrase, which may or may not feel repetitive to a user. There is an option to listen to a phrase as many times as you need to hear and practice pronouncing it.</p> <p>One unique feature of Memrise is that it doesn't focus solely on language learning. You can use the lessons to learn about classical works of art, geography, science, or entertainment. Using the science behind how the brain learns, Memrise offers short, easy-to-complete lessons, repeated practice, and regular review to ensure that you have learned the information for good. It should definitely be used if you are looking to acquire a new language or learn something new about the world. (See also: <a href="http://www.wisebread.com/11-ways-to-learn-something-new-every-day?ref=seealso">Learn Something New Every Day</a>)</p> <h2>Anki</h2> <p><a href="http://ankisrs.net/index.html">Anki</a> is a free desktop program that you can download to your computer. It uses a flashcard model to help you remember languages and other information. Anki has developed software that incorporates active recall testing (asking you questions just after you learned the information rather than waiting a period of time to ask) and spaced repetition (spreading out review of the information over time). The combination of the two means you are answering questions about the information you just learned and then answering questions on that same answer over time. For example, you may be reviewing the same information every day for three days. If you get it right every time, then you will start reviewing it every week. As you continue to answer correctly, the review questions are spaced out further and further apart.</p> <p>Anki takes time to master. You are not going to be diving into lessons immediately upon download. However, there is a large community that is developing and sharing flashcards for you to use. If you are trying to learn a common language, you may be able to use a &quot;deck&quot; (what Anki calls a set of flashcards) that someone else has already developed. If you are trying to learn something rare, you may have to create your own deck, which can take a lot of time. (See also: <a href="http://www.wisebread.com/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier?ref=seealso">10 Great Self-Improvement Apps</a>)</p> <p>Anki is available for use with Android devices for free, but the IOS app is $24.99. Many users find this a small price to pay for mastering a language.</p> <h2>Other Options</h2> <p>If these three apps do not meet your needs, check out <a href="http://www.lingq.com/">LingQ</a> and <a href="http://www.busuu.com/enc/">Busuu</a>. Both apps have free lessons available but require a purchase (or monthly fee) to progress beyond that. They are worth checking out if you are serious about learning a new language and don't mind investing money in the process.</p> <p>Whether you are hoping to brush up on what you learned in high school, looking to travel in the future, or need to master a new language, any of the apps mentioned here will bring you closer to your goal.</p> <p><em>Have you tried a master a new language? What worked for you?</em></p> <a href="http://www.wisebread.com/you-can-learn-a-new-language-just-use-one-of-these-3-apps" class="sharethis-link" title="You CAN Learn a New Language — Just Use One of These 3 Apps" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/you-can-learn-a-new-language-just-use-one-of-these-3-apps">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/people-who-love-expanding-their-minds-do-these-13-things-do-you">People Who Love Expanding Their Minds Do These 13 Things — Do 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/4-magic-words-and-phrases-that-will-make-you-sound-smarter">4 Magic Words and Phrases That Will Make You Sound Smarter</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/6-little-ways-to-de-stress-and-enjoy-life-more">6 Little Ways to De-Stress (and Enjoy Life More)</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/15-little-ways-to-make-yourself-a-better-person-while-watching-tv-tonight">15 Little Ways to Make Yourself a Better Person While Watching TV Tonight</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/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> </ul> </div> </div> </div> </div> General Tips Personal Development apps language learn a language learning smartphone apps Wed, 23 Apr 2014 08:48:24 +0000 Linsey Knerl 1136592 at http://www.wisebread.com The Recession Glossary http://www.wisebread.com/the-recession-glossary-1 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-recession-glossary-1" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/dictionary.jpg" alt="Girl reading the dictionary" title="Girl reading the dictionary" class="imagecache imagecache-250w" width="250" height="187" /></a> </div> </div> </div> <p>The recent economic uncertainties have given rise to an array of new financial terms. Certainly you have heard of terms such as staycation and bailout over the last few years; some of these terms have become so common that they are now included in major dictionaries. Below are 15 of the top recession terms; feel free to add yours in the comments section. (See also: <a href="http://www.wisebread.com/25-frugal-changes-you-can-make-today">25 Frugal Changes You&nbsp;Can Make Today</a>)</p> <h2>1. Stress Test</h2> <p>Derived from cardiac stress tests, a financial &quot;stress test&quot; is an assessment of a bank's ability to survive a potentially deteriorating economy. It ensures that banks have sufficient capital reserves to avoid liquidity problems in a downturn.</p> <h2>2. Consumer Confidence</h2> <p>A measure of consumers&rsquo; confidence in regards to the economy. Indicating the general public's optimism about economic activity, the consumer confidence level tends to be directly correlated to GDP growth and the employment rate.</p> <h2>3. Funemployment</h2> <p>This refers to enjoying one&rsquo;s time during unemployment. Funemployment does not mean people are not actively seeking employment or are happy with their lack of jobs. However, it does mean they are taking this opportunity to spend time doing things they would not normally have time for and enjoy.</p> <h2>4. Insource</h2> <p>The opposite of <em>outsource</em>, insourcing is performing duties yourself that were once outsourced to other parties in order to cut costs in times of financial hardship. For example, cooking at home while previously ordering takeout.</p> <h2>5. Staycation</h2> <p>Taking a staycation refers to vacationing at home or close to home due to financial constraints. This can include a <a href="http://financialhighway.com/4-fun-and-affordable-ways-to-spend-family-night-at-home/">fun family night at home</a>, barbeques with friends, or even short trip in the nearby area.</p> <h2>6. Underwater</h2> <p>When your current home value is below its current outstanding mortgage value, it's &quot;underwater,&quot; making refinancing virtually impossible, as you owe more then the value of your home. This phenomenon has been the primary cause of record level of home foreclosures in the recent years.</p> <h2>7. Bailout</h2> <p>This refers to providing financial aid to failing or near-collapse corporations. The term became widely used during the financial meltdown of many corporations in 2008. Merriam-Webster named &ldquo;bailout&rdquo; its &ldquo;Word of the Year&rdquo; in 2008.</p> <h2>8. Madoffed</h2> <p>Named after ponzi scheme runner Bernard (Berni) Madoff, it refers to individuals who have been conned out of their life savings by their brokers, bankers, or advisors.</p> <h2>9. Recesionista</h2> <p>A fashionable individual who maintains his or her current life standards by finding creative means during harsh economic times. With the recent economic conditions, more and more people are aiming to live a frugal lifestyle while maintaining some of the pleasures of their prior luxuries.</p> <h2>10. Intaxication</h2> <p>Derived from <em>intoxication, </em>intaxication is an intoxicating feeling one feels upon receipt of their tax refund. In financially difficult times, even a small tax refund can go a long way.</p> <h2>11. Zombie Bank</h2> <p>A bank with a negative net worth. Although these banks have higher liabilities than assets, they can continue business as usual thanks to government backing and handouts.</p> <h2>12. Homedulgence</h2> <p>Similar to staycation, this refers to the tendency of indulging and entertaining at one&rsquo;s home versus going out due to financial constraints.</p> <h2>13. Bleisure</h2> <p>As more people opt to <a href="http://www.wisebread.com/10-productivity-hacks-from-a-work-at-home-mom">work from home</a>, the division between business and leisure hours have blurred. Whereas previously there has been a concrete divide between work and leisure time, workers are now managing the two simultaneously.</p> <h2>14. Stagflation</h2> <p>A combination of stagnated economy, i.e. no growth, combined with a very high inflation rate.</p> <h2>15. Double-Dip Recession</h2> <p>A double-dip recession refers to a recession followed by a short term recovery that then back into another recession. Also referred to as a &ldquo;W-shaped&rdquo; recession.</p> <a href="http://www.wisebread.com/the-recession-glossary-1" class="sharethis-link" title="The Recession Glossary" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ray-jamali">Ray Jamali</a> of <a href="http://www.wisebread.com/the-recession-glossary-1">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/how-to-build-wealth-in-a-depressed-economy">How to Build Wealth in a Depressed Economy</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-i-miss-about-the-recession">What I Miss About the Recession</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-new-normal-economy">The new normal economy</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/peak-debt">Peak Debt</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/recession-depression">Recession Depression</a></span> </div> </li> </ul> </div> </div> </div> </div> Financial News language recession words Mon, 12 Sep 2011 10:36:17 +0000 Ray Jamali 699235 at http://www.wisebread.com What Does “YMMV” Mean? The Official Guide to Decoding the Language of Frugality http://www.wisebread.com/what-does-ymmv-mean-the-official-guide-to-decoding-the-language <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-does-ymmv-mean-the-official-guide-to-decoding-the-language" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/melissa%20consumer%20queen.jpg" alt="" title="" class="imagecache imagecache-250w" width="135" height="160" /></a> </div> </div> </div> <p class="MsoNormal">It may seem like a lot to learn at first.<span style="">&nbsp; </span>Clipping coupons, saving receipts, and mailing in rebate forms can be an overwhelming new practice to some.<span style="">&nbsp; </span>Before you get your wallets in a bunch, however, stop and take time to learn the lingo of savings experts like Melissa from <a href="http://www.consumerqueen.com/">Consumer Queen</a>.<span style="">&nbsp; </span>Better yet, print out this list, clip it, and stick it in your savings binder for safe keeping!<o:p>&nbsp;</o:p></p> <p class="MsoNormal">Coupon Inserts:(From the Sunday Paper)&nbsp;</p> <p class="MsoNormal"><strong>P&amp;G</strong>: Proctor and Gamble Insert</p> <p class="MsoNormal"><strong>RP</strong>: Red <st1:place w:st="on">Plum</st1:place> Insert</p> <p class="MsoNormal"><strong>V:</strong> <span class="yshortcuts">Valassis</span> Insert</p> <p class="MsoNormal"><strong>SS:</strong> Can mean 2 things. Smart Source or Sunday supplement</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><strong>YMMV:</strong> Your Mileage May Vary *</p> <p class="MsoNormal"><strong>BOGO or B1G1F:</strong> Buy one Get One Free</p> <p class="MsoNormal"><strong>CRT: </strong>Cash Register Tape</p> <p class="MsoNormal"><strong>Blinkies: </strong>Coupons found in Blinking Dispensers on store shelves</p> <p class="MsoNormal"><strong>Catalina: </strong>A coupon that prints out at the register at time of purchase</p> <p class="MsoNormal"><strong>ESR:</strong> Easy Saver Rebates from Walgreens( There has been talk that this is being discontinued)</p> <p class="MsoNormal"><strong>ECB: </strong>Extra Care Bucks- Print at the time of purchase at CVS stores.</p> <p class="MsoNormal"><strong>MFR:</strong> Manufacturer</p> <p class="MsoNormal"><strong>FAR:</strong> Free After Rebate</p> <p class="MsoNormal"><strong>OYNO:</strong> On your Next Shopping Order</p> <p class="MsoNormal"><strong>RR:</strong> Register Rewards - Coupons that print at the time of purchase at <span class="yshortcuts">Walgreens</span></p> <p class="MsoNormal"><strong>WYB:</strong> When you Buy</p> <p class="MsoNormal"><strong>OOP</strong>: Out of Pocket</p> <p class="MsoNormal"><strong>Peelie</strong>: Coupon attached to the outside of a product</p> <p class="MsoNormal"><strong>MIR:</strong> Mail in Rebate</p> <p class="MsoNormal"><strong>UPC:</strong> The bar code&nbsp;on the product that you scan at the grocery store</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><em>(* The deal will be different for different people.&nbsp; Some may not have as good experience as others, or the deal may not be valid in every instance.&nbsp; It could depend on the store you shop, region of the country, or even by the manager on duty.)</em><o:p> <br /> </o:p></p> <p class="MsoNormal"><strong>Looking to learn more about the ins and outs of saving?</strong><span style="">&nbsp; </span>Check out Melissa&rsquo;s website at <a href="http://www.consumerqueen.com/">www.consumerqueen.com</a>.<span style="">&nbsp; </span>In addition to recently being <a href="http://today.msnbc.msn.com/id/26184891/#29613344">featured on the Today Show</a>, Melissa has worked with companies like Tropicana and is currently doing a media tour for Stouffers.&nbsp; (She's also one of the <a href="http://www.elevenmoms.com">Walmart Elevenmoms</a>!)<span style="">&nbsp; </span>To read how she saves so much money, check out her blog, browse <a href="http://www.consumerqueen.com/sunday-ads">Sunday&rsquo;s ads</a>, or learn of new deals in the <a href="http://www.consumerqueen.com/forums">community forum</a>.<span style="">&nbsp; </span><i style="">Thanks, Melissa!<o:p></o:p></i></p> <p>&nbsp;</p> <a href="http://www.wisebread.com/what-does-ymmv-mean-the-official-guide-to-decoding-the-language" class="sharethis-link" title="What Does “YMMV” Mean? The Official Guide to Decoding the Language of Frugality" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/what-does-ymmv-mean-the-official-guide-to-decoding-the-language">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-5"> <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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward 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/6-ways-to-get-your-toiletries-for-cheap-or-even-free">6 Ways to Get your Toiletries for Cheap or Even Free!</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/regifting-a-simple-how-to-guide">Regifting: A Simple How-To Guide</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/hold-off-on-heating-with-these-10-warming-ways-0">Hold Off On Heating with These 10 Warming Ways</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-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew">How To Make Your Own Soda, Tidy A Room In Three Minutes, Cure A Hangover And Become A Movie Extra. Phew!</a></span> </div> </li> </ul> </div> </div> </div> </div> Frugal Living Life Hacks General Tips Shopping frugality language savings ymmv Tue, 07 Apr 2009 13:54:18 +0000 Linsey Knerl 3015 at http://www.wisebread.com