Health http://www.wisebread.com/taxonomy/term/14/all en-US Here's How Boomers and Millennials Are Creating Winners on the Stock Market http://www.wisebread.com/heres-how-boomers-and-millennials-are-creating-winners-on-the-stock-market <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-boomers-and-millennials-are-creating-winners-on-the-stock-market" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_with_adult_daughter_in_park_together.jpg" alt="Mother With Adult Daughter In Park Together" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It may not seem like millennials and baby boomers have a lot in common, aside from the fact that they make up a huge chunk of the U.S. population. But the two generations do share some similar traits when it comes to spending and investing. This is already having a significant impact on the economy and the stock market, and will continue to do so.</p> <p>Here are some key ways that baby boomers and millennials are impacting business and the markets.</p> <h2>Health care will be huge</h2> <p>There's a lot of noise related to the Affordable Care Act and a possible replacement. How things will shake out on Capitol Hill is anyone's guess, but there's no doubt that Americans will be spending more on health care. Baby boomers make up an increasing percentage of the U.S. population, and will require more medical attention as they age. This means big profits for pharmaceutical firms, but also biotech companies, hospitals, and manufacturers of medical equipment. The S&amp;P 500 Health Care Index has seen annualized returns of more than 16 percent over the last five years, and is up nearly 12 percent in 2017. Expect the upward trend to continue.</p> <h2>Health consciousness is also big</h2> <p>Millennials are aware of the obesity problem in America, and many of them are making lifestyle choices to counteract that. We've seen a push for more natural and organic food items, and a desire for less sugar and fat. This also means a continued expansion of fast-casual restaurants that offer healthier options, perhaps at the expense of traditional fast food chains. Baby boomers will help fuel this push to health as well simply by following doctor's orders to eat healthy as they age.</p> <h2>Investing costs will go down</h2> <p>Boomers have no interest in seeing their retirement savings cut down by high expense ratios and commissions, and millennials are becoming more savvy about the impact these costs have on their portfolios. These two demographics have led the charge against fees, and we've seen some brokerages respond. In February, Charles Schwab and Fidelity cut their online trade commissions to a mere $4.95, and many brokerage firms have expanded their offerings of commission-free exchange-traded funds (ETFs).</p> <p>Meanwhile, investing in low-cost index funds has ballooned; nearly half of all assets placed in mutual funds and ETFs are indexed rather than in actively-managed accounts, according to Morningstar.</p> <h2>Investing in individual stocks will decline</h2> <p>Aging baby boomers can be expected to withdraw their investments or at least shift their portfolios to more conservative investments like bonds and cash. Meanwhile, millennials are wary of the markets in general after living through the stock market declines of the early 2000s and 2008. Millennials have also learned that trying to beat the market by investing in individual stocks is generally a fool's game. This shying away from individual stocks could impact the overall returns in the stock market over time.</p> <h2>Popular brands aren't a sure thing</h2> <p>There has long been a common thought among investors that big, popular brands will always be surefire investments. Investors have long banked on the notion of brand loyalty as a driver of investment returns. But there have been several recent reports that millennials are not as brand-loyal as their predecessor generations. Millennials will go for value and quality, and aren't going to stick with a single brand out of stubbornness. This may have implications for stocks that have performed well over the years in part due to brand recognition.</p> <h2>Brick-and-mortar retail will go south</h2> <p>We're already seeing retail chains struggling, with H.G. Gregg, Gymboree, Rue 21, and several other brick-and-mortar outlets declaring bankruptcy in recent months. Meanwhile, online retailing giant Amazon just reported a 23 percent increase in sales, to $35.7 billion. Millennials don't mind shopping online, and baby boomers are less likely to go out on long shopping trips as they get older.</p> <h2>Experiences over objects</h2> <p>Millennials don't really care about owning things. Instead, they get satisfaction from experiences like fitness classes, travel, or eating well. To the extent that they need items such as music or movies, they prefer to obtain them through streaming services such as Netflix (one of the hottest tech stocks in America) or Spotify. Meanwhile, baby boomers are getting older and aren't in the habit of acquiring more &quot;stuff,&quot; either.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fheres-how-boomers-and-millennials-are-creating-winners-on-the-stock-market&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHeres%2520How%2520Boomers%2520and%2520Millennials%2520Are%2520Creating%2520Winners%2520on%2520the%2520Stock%2520Market.jpg&amp;description=Heres%20How%20Boomers%20and%20Millennials%20Are%20Creating%20Winners%20on%20the%20Stock%20Market"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Heres%20How%20Boomers%20and%20Millennials%20Are%20Creating%20Winners%20on%20the%20Stock%20Market.jpg" alt="Here's How Boomers and Millennials Are Creating Winners on the Stock Market" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/heres-how-boomers-and-millennials-are-creating-winners-on-the-stock-market">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/with-micro-investing-your-smartphone-pays-you">With Micro-Investing, Your Smartphone Pays 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/are-you-making-the-biggest-investment-risk-of-all">Are You Making the Biggest Investment Risk of All?</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-reasons-millennials-should-stop-being-afraid-of-the-stock-market">7 Reasons Millennials Should Stop Being Afraid of the Stock Market</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/8-things-everyone-should-know-about-the-commodities-markets">8 Things Everyone Should Know About the Commodities Markets</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/learn-how-to-invest-with-these-5-stock-market-games">Learn How to Invest With These 5 Stock Market Games</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment baby boomers brand loyalty eating well Food Health health care millennials retail stock market Mon, 24 Jul 2017 08:00:10 +0000 Tim Lemke 1986883 at http://www.wisebread.com 6 Apps That Pay You to Workout http://www.wisebread.com/6-apps-that-pay-you-to-workout <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-apps-that-pay-you-to-workout" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_workout_phone_536139771.jpg" alt="Woman using apps that pay her to workout" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of the most popular New Year's resolutions every year is to get fit and lose weight. Unfortunately, it's also one of the most broken resolutions as well. Perhaps if there was more of a financial reward tied to getting in shape, it would be easier, or maybe if there was a way to stay more accountable. Fortunately, there exist some highly clever smartphone apps that will help you with both. Here are six of the most popular apps that will actually pay you to workout and help keep you accountable in the process.</p> <h2>1. PACT</h2> <p>The free <a href="http://www.pactapp.com/" target="_blank">PACT app</a> is a clever healthy living smartphone app that keeps you accountable, both in terms of diet and exercise. The app works by allowing you to make weekly &quot;pacts&quot; with yourself to either eat healthier or exercise more.</p> <p>Once your pacts are set, you choose how much money you'll pay other PACT members if you don't reach them. On the flipside, if you do reach your pacts, you get paid by other members. So essentially you make money by staying healthy and you get paid by the members who don't. You might only make a few dollars a week, but the app keeps you accountable and makes for easy goal setting. Plus, it lets you connect to other popular health apps like RunKeeper, Fitbit, MapMyRun, and MyFitnessPal.</p> <h2>2. DietBet</h2> <p>The <a href="https://www.dietbet.com/" target="_blank">DietBet app</a> is a fun way to track your weight loss goals, stay accountable, and tap into your competitive side. Essentially the app let's you join &quot;Games,&quot; pay a small entry fee, and compete against other motivated folks to try and lose a certain percentage of weight in a specific amount of time. Win the game and you'll split the pot with all the other winners.</p> <h2>3. Healthy Wage</h2> <p>The <a href="https://www.healthywage.com/" target="_blank">Healthy Wage app</a> is similar to DietBet, with a couple important differences. While you get paid by winning weight loss challenges, the app focuses more on the user creating challenges with friends and family as well as corporate challenges. The challenges make for a fun way to track your progress and interact with others who are also trying to develop a healthier lifestyle.</p> <p>You can join up to 10 challenges at one time, as well as simply create personal challenges that'll keep you accountable. You pony up some money, join the challenges that interest you, and try to win some substantial bucks. Refer friends to the challenge and your winnings grow substantially.</p> <h2>4. Charity Miles</h2> <p>If you're looking to get into shape and are the type who regularly gives money to your favorite charities, then the <a href="http://www.charitymiles.org/" target="_blank">Charity Miles app</a> is worth a look. The app essentially donates money to <a href="https://charitymileshelp.zendesk.com/hc/en-us/articles/214937668-Who-are-your-Charity-Partners-" target="_blank">the charity of your choice</a> any time you &quot;walk, run, bike, skip, dance or any human-centered activity.&quot; By using your smartphone's GPS, Charity Miles can easily track your movement and track your activity. The more you move, the more money your charity receives.</p> <p>Sound too good to be true? Charity Miles is completely legit and pays out via corporate sponsors like Humana, Johnson &amp; Johnson, and Chobani.</p> <h2>5. WellCoin</h2> <p>The folks at <a href="https://www.wellcoin.com/" target="_blank">WellCoin</a> have developed a mobile app that gives you rewards points for doing healthy things. From sleeping seven hours a night, to drinking plenty of water, to going for a jog, you'll earn WellCoins for doing all of the above. Earn enough coins and you can redeem them for workout gear, healthy food, and even exercise classes in your area. The app is a great tool to help keep you accountable throughout the day.</p> <h2>6. FitCoin</h2> <p>The <a href="https://itunes.apple.com/us/app/the-fitcoin/id1008898705" target="_blank">FitCoin app</a> is another fun way to earn rewards with your Fitbit or any fitness tracker supported by the Apple Health app on your iPhone. Once the app is synced to your fitness tracker, you simply start burning calories by walking, jogging, or hitting the gym, and start earning &quot;FitCoins&quot; for your efforts. Your burned calories turn into FitCoins which can be redeemed in the FitCoin boutique for cool stuff like Amazon gift cards.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout">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/5-fitness-gadgets-actually-worth-the-money">5 Fitness Gadgets Actually Worth the 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/the-ultimate-green-workout">The Ultimate &quot;Green&quot; Workout</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/10-no-sweat-workouts-perfect-for-the-workplace">10 No-Sweat Workouts Perfect for the Workplace</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/these-7-exercises-are-scientifically-proven-to-increase-happiness">These 7 Exercises Are Scientifically Proven to Increase Happiness</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-cheap-exercise-tools-for-a-killer-workout">10 Cheap Exercise Tools for a Killer Workout</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Technology apps exercise fitness get fit get in shape get paid to workout Health iPhone workout Tue, 07 Feb 2017 10:30:37 +0000 Kyle James 1887741 at http://www.wisebread.com 9 Sweet Valentine's Day Gifts to Give to Your Truest Love — You! http://www.wisebread.com/9-sweet-valentines-day-gifts-to-give-to-your-truest-love-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-sweet-valentines-day-gifts-to-give-to-your-truest-love-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_pink_balloon_539016316.jpg" alt="Woman giving herself sweet V-Day gifts" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The stereotypical Valentine's Day gifts of roses and chocolates are nice, but have you considered giving <em>yourself</em> a gift? Before you dismiss that notion as being selfish, consider the airplane analogy. When the flight attendant gives his or her talk about oxygen masks, what are you supposed to do? That's right, put on your own &mdash; because you can't help others until you help yourself first. Giving yourself a little Valentine's Day self-care gift may help to alleviate stress, and possibly, protect you from sickness.</p> <p>That doesn't mean you need to go on a shopping spree, though. Here are nine self-care tips and treats to help you fight stress, find health, and be your own best Valentine's Day date ever.</p> <h2>1. Make a Spa-Quality Scrub</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/6UpdsuGEGfE" frameborder="0" allowfullscreen=""></iframe></p> <p>After joining the coconut oil craze, a lot of us now have big tubs of it. That's a lot of coconut oil, so let's put it to good use with a DIY <a href="https://www.youtube.com/watch?v=6UpdsuGEGfE" target="_blank">Coconut-Oil Sugar Scrub</a>. It's so easy! And yes, I've tried it, and I really like how it exfoliates and makes my face feel smooth. It's nice on your feet, too.</p> <h2>2. Eat Well</h2> <p>Surf N' Turf is traditional for Valentine's Day, but instead, why not consider a month of clean eating? After the holidays and the Super Bowl, I find myself craving healthy foods. Simply Google &quot;month of clean eating&quot; and you'll find several choices for menus and recipes. (See also: <a href="http://www.wisebread.com/8-great-clean-eating-slow-cooker-recipes?ref=seealso" target="_blank">8 Great Clean Eating Slow Cooker Recipes</a>)</p> <h2>3. Take a Class</h2> <p>For around $60, my local college is offering community classes. I can choose from classes such as Beginning Guitar, Conversational Spanish, Qigong, or Hula Hoop Fitness, just to name a few. My husband has enjoyed Sushi Making and Surfing. Check out classes at your local community college, community center, or even free classes online in order to <a href="http://www.wisebread.com/10-fun-hobbies-you-can-take-up-for-free?ref=internal" target="_blank">learn something new</a> and expand your mind.</p> <h2>4. Get a Massage</h2> <p>Man, do I love a massage. But I love them even more where I can get a full hour for just $50. Do you have a massage school in your area? Students need to rack up hours to become licensed, so it can be a bargain. See if you have one in your area.</p> <h2>5. Embrace Your Inner Child</h2> <p>What sorts of things did you love doing as a kid? Did you love to color? You're in luck, because adult coloring books are so in right now. One of my friends has taken up painting again. Take some time to think about what you enjoyed, and take it up again for some relaxing fun.</p> <h2>6. Volunteer</h2> <p>Wait, isn't volunteering about helping <em>others</em>? Yes, but according to Harvard Medical School, &quot;volunteering helps people who donate their time <a href="http://www.health.harvard.edu/blog/volunteering-may-be-good-for-body-and-mind-201306266428" target="_blank">feel more socially connected</a>, thus warding off loneliness and depression.&quot; Plus, you could also make some new friends in the process. Find a group where you feel you could contribute by using <a href="http://www.volunteermatch.org/" target="_blank">VolunteerMatch.org</a>, which matches interests with needs.</p> <h2>7. Learn Meditation</h2> <p>Do you have a stressful job? High blood pressure? Maybe you just need to slow life down a little. Meditation, according to WebMD, can &quot;not only <a href="http://www.webmd.com/balance/features/meditation-heals-body-and-mind#1" target="_blank">lower blood pressure</a>, but can also amp up your immune system, while improving your ability to concentrate.&quot; I took the <a href="https://itunes.apple.com/us/app/oprah-deepaks-21-day-meditation/id903893632?mt=8" target="_blank">Oprah &amp; Deepak's 21-Day Meditation Experience</a> and loved it.</p> <h2>8. Give Yourself a DIY Pedi</h2> <p>A salon pedicure can run you $40 and up. Save your money and give yourself one at home for almost nothing. You don't need a lot of fancy equipment, either. Just <a href="http://www.wisebread.com/16-hacks-for-the-perfect-at-home-mani-pedi" target="_blank">some nail care steps at the start</a>, a steady hand, a favorite color polish.</p> <h2>9. Take a Nap</h2> <p>A quick nap can help you to feel more alert, refreshed, and recharged. As a cube-dweller, I'd never try to take one at work, but I often grab one when I get home, or on the weekends. (See also: <a href="http://www.wisebread.com/5-surprising-benefits-of-naps-including-the-best-time-to-take-them?ref=seealso" target="_blank">Surprising Benefits of Naps and the Best Time to Take Them</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/9-sweet-valentines-day-gifts-to-give-to-your-truest-love-you">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/5-better-ways-to-celebrate-v-day-this-year">5 Better Ways to Celebrate Valentine&#039;s Day This Year</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-best-smart-scales">The 5 Best Smart Scales</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/flashback-friday-160-gift-ideas-for-everyone-you-know">Flashback Friday: 160 Gift Ideas for Everyone You Know</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/flashback-friday-47-best-back-to-school-shopping-hacks-ever">Flashback Friday: 47 Best Back-to-School Shopping Hacks Ever</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-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping frugal living Health Holidays self-care self-love shopping Valentine's Day valentine's day gifts Mon, 06 Feb 2017 10:00:09 +0000 Marla Walters 1886389 at http://www.wisebread.com Flashback Friday: 41 Frugal Ways to Battle a Cold or Flu http://www.wisebread.com/flashback-friday-41-frugal-ways-to-battle-a-cold-or-flu <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-41-frugal-ways-to-battle-a-cold-or-flu" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_sick_flu_162061759.jpg" alt="Couple finding frugal ways to battle a cold or flu" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Have you gotten sick yet this season? No matter what your answer is, you might end up with a cold or flu before the snow melts. And being sick just sucks. It can also cost a lot of money to recover. You should do everything you can to guard against the crud, but if you find yourself down for the count, here are 41 frugal ways to battle a cold or flu.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_100133849_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick?ref=fbf">8 Important Reasons to Always Call In Sick When You're Sick</a> &mdash; One of the most important things you can do when you're sick is to stay home! Don't try to be the hero and work through an illness. You spread your germs all over the office when you're too sick to focus and nobody wins.</p> <p><a href="http://www.wisebread.com/9-frugal-ways-to-treat-the-common-cold?ref=fbf">9 Frugal Ways to Treat the Common Cold</a> &mdash; Since both the cold and the flu are viruses, there is no &quot;cure.&quot; However, these frugal &quot;treatments&quot; might help you feel good enough to get back to your normal routine.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-510574486.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/the-high-cost-of-catching-a-cold-or-the-flu?ref=fbf">The High Cost of Catching a Cold or the Flu</a> &mdash; You might think that the cost of catching a cold is nothing more than a bag of cough drops and a box of tissues. You would be wrong. Even if you have health insurance, being sick can add up quickly. Being informed will motivate you to maintain a healthy lifestyle.</p> <p><a href="http://www.wisebread.com/7-all-natural-home-remedies-for-colds?ref=fbf">7 All Natural Home Remedies for Colds</a> &mdash; When you're sniffily and congested, shop your pantry for the best cold home remedies. A couple bowls of broth and a spoonful of honey can work wonders on your cold symptoms.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/flu_vaccine_000050442510.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-places-to-get-vaccinated-for-cheap-or-free?ref=fbf">7 Places to Get Vaccinated for Cheap or Free</a> &mdash; If you haven't gotten your flu shot yet, head to your local pharmacy! That big flu strain is going around right now, and you can still guard yourself against it.</p> <p><a href="http://www.wisebread.com/make-these-9-health-moves-now-or-youll-regret-it-in-20-years?ref=fbf">Make These 9 Health Moves Now or You'll Regret It in 20 Years</a> &mdash; An easy way to protect yourself against these common viruses is to eat healthy, get enough sleep, and stay active. Any bad habits that could weaken your immune system could lead you straight into bed with a fever. Health is wealth, y'all!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-41-frugal-ways-to-battle-a-cold-or-flu">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/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</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/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep 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/the-high-cost-of-catching-a-cold-or-the-flu">The High Cost of Catching a Cold or the Flu</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living cold common cold fbf flashback friday flu flu shot frugal living Health home remedies Fri, 20 Jan 2017 10:30:30 +0000 Chrissa Hardy 1877682 at http://www.wisebread.com Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-87-frugal-ways-to-make-winter-less-miserable" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_winter_snow-499814150.jpg" alt="Woman finding frugal ways to make winter less miserable" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Winter is a dreary, dark time. The sun rarely shines, and you can barely wade through the white mess on the ground without getting your feet and pants soaked. But never fear. You <em>can</em> turn that S.A.D.-induced frown upside down. Here are 87 ways to make winter less miserable.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_sad_window_507633424.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-ways-to-prevent-the-winter-blues-from-busting-your-budget?ref=fbf">5 Ways to Prevent the Winter Blues from Busting Your Budget</a> &mdash; Seasonal Affective Disorder puts you in a very vulnerable state of mind during the winter months. This can naturally lead you to making all sorts of ill-advised decisions, especially when it comes to your finances. Use these tips to keep you armed with a plan to fight those habits.</p> <p><a href="http://www.wisebread.com/9-frugal-winter-activities-to-keep-kids-busy-during-holiday-break?ref=fbf">9 Frugal Winter Activities to Keep Kids Busy During Holiday Break</a> &mdash; When the kids are home during holiday breaks or snow days, it's hard to know what to do with them to keep them busy and entertained. These activities are fun and cheap, so everybody wins.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-490080588.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-frugal-destinations-for-a-dreamy-winter-getaway?ref=fbf">8 Frugal Destinations for a Dreamy Winter Getaway</a> &mdash; Wanna get out of the snow? Plan a trip to somewhere idyllic and in your mind, you'll already be there. It doesn't matter if the trip is weeks or months away. Having something to look forward to will instantly boost your mood.</p> <p><a href="http://www.wisebread.com/5-investments-that-do-better-in-winter?ref=fbf">5 Investments That Do Better in Winter</a> &mdash; Sometimes, money actually can buy happiness. Especially when money turns into even more money. Put your cash in these stocks and you could have a nice little cushion by the time spring arrives.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/winteract-78255607.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/50-fun-things-to-do-when-youre-stuck-inside-during-winter?ref=fbf">50 Fun Things to Do When You're Stuck Inside During Winter</a> &mdash; Life isn't so bad when you can curl up by the fire and read a book or take a nap. The weather outside might be frightful, but these indoor winter ideas are all kinds of delightful.</p> <p><a href="http://www.wisebread.com/5-awesome-staycations-you-should-take-before-winter-ends?ref=fbf">5 Awesome Staycations You Should Take Before Winter Ends</a> &mdash; Before the snow melts, embrace your indoors-y side and have a nice little staycation. You'll feel bad about doing this when the weather outside is warm and beautiful, so take advantage of it now.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">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/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</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/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</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/flashback-friday-85-best-ways-to-save-on-halloween-this-year">Flashback Friday: 85 Best Ways to Save on Halloween This Year</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/17-reasons-to-look-forward-to-2017">17 Reasons to Look Forward to 2017</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living fbf fitness flashback friday frugal living frugal living goals goals Health Holidays money New Year's new year's resolutions Fri, 13 Jan 2017 10:30:30 +0000 Chrissa Hardy 1873235 at http://www.wisebread.com Flashback Friday: 76 New Year's Resolutions That'll Make 2017 Your Year http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_2017_loading_624248520.jpg" alt="Woman making new year&#039;s resolutions for 2017" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's no dancing around it &mdash; 2016 has been a garbage year. Most of us are ready to enthusiastically wave goodbye to it on New Year's Eve and usher in a fresh start. And even though most resolutions are abandoned by February, if you incorporate focused, realistic goals, your chances for success are far greater. So let's give it a go when the clock strikes midnight. Here are 76 New Year's resolutions that will make 2017 your best year ever!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-518171446_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off?ref=fbf" target="_blank">15 Easy to Keep New Year's Resolutions That Really Pay Off</a> &mdash; The smartest way to make goals that will stick is to make them easy. If they're difficult and vague, you won't be motivated enough to keep them. These are all easy, focused, and will make your life so much better.</p> <p><a href="http://www.wisebread.com/successful-new-years-resolutions-have-this-one-thing-in-common-does-yours?ref=fbf" target="_blank">Successful New Year's Resolutions Have This One Thing in Common &mdash; Does Yours?</a> &mdash; The secret to achieving these holiday goals is to understand why the successful ones actually work. This breaks down the one thing all successful resolutions have in common. Make sure it's part of yours, too!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_dog_pet_499423418_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make?ref=fbf" target="_blank">4 New Year's Resolutions Your Pet Wants You to Make</a> &mdash; Your pet lives for you. They think you're the best creature on this Earth. So why not consider what they'd want for you when making your annual list of resolutions? Seeing your dog with that goofy grin will be more than worth it.</p> <p><a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master?ref=fbf" target="_blank">23 Frugal Living Resolutions Anyone Can Master</a> &mdash; Living frugally is a trend that will never go away. We could all spend less money and buy fewer things. All of these brilliantly simple resolutions incorporate the frugal mindset. A little saving can go a long way.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/friends_new_years_498059820_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master?ref=fbf" target="_blank">8 Personal Finance Resolutions Anyone Can Master</a> &mdash; Money. We all need more of it. Living paycheck-to-paycheck is a miserable way to live. Taking these small steps to building your financial cushion will give you financial freedom, and ultimately, a better life.</p> <p><a href="http://www.wisebread.com/25-small-new-year-s-resolutions-you-can-start-today?ref=fbf" target="_blank">25 Small New Year&rsquo;s Resolutions You Can Start Today</a> &mdash; Why wait until the ball drops? Get started on your resolutions now! These steps are all small and easy-to-make. After all, the early bird gets the worm, right?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</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/flashback-friday-34-ways-fitness-can-improve-your-finances">Flashback Friday: 34 Ways Fitness Can Improve Your Finances</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-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty fbf fitness flashback friday frugal living frugal living goals goals Health Holidays money New Year's new year's resolutions Fri, 30 Dec 2016 10:30:30 +0000 Chrissa Hardy 1865098 at http://www.wisebread.com 17 Reasons to Look Forward to 2017 http://www.wisebread.com/17-reasons-to-look-forward-to-2017 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/17-reasons-to-look-forward-to-2017" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-594485114.jpg" alt="reasons to look forward to 2017" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As I often do before I write anything, I asked my Facebook friends some of their suggestions on the topic at hand. I should've known better this time. Because when I posed the question, &quot;What are some of your reasons to look forward to 2017?&quot; I received responses like, &quot;The apocalypse&quot; and &quot;Trump's impeachment.&quot;</p> <p>I digress.</p> <p>Rest assured, however, that I didn't take their advice. Instead, I'm including only positive entries, devoid of partisan politics, because that's what we all need right now &mdash; hope, happiness, and the pursuit of anything that isn't 2016. Yep, it was a terrible year by most accounts, but it's almost out of here. So let's rejoice and look to the future. Here are some awesome things to get excited about in 2017. (See also: <a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master?ref=seealso" target="_blank">8 Personal Finance Resolutions Anyone Can Master</a>)</p> <h2>1. It's Not an Election Year!</h2> <p>I don't know about you, but I was tired of hearing about Hillary Clinton and Donald Trump around March. Of course, the vitriol surrounding the election didn't get much better as the months passed &mdash; or even after Trump was elected. In fact, it seemed to get worse. I'm keeping my fingers crossed, though, that people on social media have expunged all the frustration sufficiently over the past two months, and are now committed to concentrating on more important things next year. If not, I think I'll have to hit the block button.</p> <h2>2. Lots of New Movies and Music</h2> <p>Each New Year brings 12 months of new-release movies and music. What are you looking forward to this year? Personally, I'm ramped up about AMC Theatres' Best Picture Showcase in February, a two-day event that I've attended the past several years to watch all of the Oscar-nominated films back to back before the Oscars. I purposefully avoid any film that has Oscar buzz so I can enjoy the fest in its entirety. I highly recommend checking it out. Looking ahead, I'm lining up for sure-to-be blockbuster films like <em>The LEGO Batman Movie</em>, <em>Alien: Covenant</em>, and <em>Baywatch</em>, along with some of the sleeper hits that will inevitably go viral. As for music, I'm preparing my iTunes for album releases by Tinie Tempah, Fergie, Iggy Azalea, Major Lazer, and more.</p> <h2>3. Paying Down Your Debt</h2> <p>Have you been <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">paying your debt down</a> consistently to a more manageable amount in 2016? Make this the year that you completely obliterate it. If you've been putting it off, attack it aggressively to unburden yourself. You'll be thankful you did. (See also: <a href="http://www.wisebread.com/5-ways-to-pay-off-high-interest-credit-card-debt?ref=seealso">5 Ways to Pay Off High Interest Debt</a>)</p> <h2>4. More Affordable Taxes</h2> <p><a href="http://fortune.com/2016/12/12/donald-trump-tax-plan-charts/" target="_blank">President-Elect Trump's tax plan</a> gives most Americans a break on what they're currently paying, according to Fortune. His simplified tax code turns seven brackets into three and raises the threshold at which workers begin to pay income tax. In addition, many married couples will see their taxes reduced substantially. Something to look forward to if the new tax code falls in your favor.</p> <h2>5. The Release of the 10th Anniversary iPhone</h2> <p>Can you believe it's been nearly a decade since the iPhone single-handedly revolutionized the way we use mobile devices? For its 10th anniversary, expect a big reveal and, likely, a completely new design. Rumored features include a glass body, edge-to-edge OLED display with an integrated Touch ID fingerprint sensor, plus a game changer or two, like wireless charging.</p> <h2>6. Summertime</h2> <p>I live by the beach, and my favorite season is summer. I love everything about it &mdash; exercising outside, walking the boardwalk, visiting amusement parks, grilling in the backyard. I'm getting excited just thinking about it! Have you started thinking of your summer plans yet? If you plan to travel, winter is a great time to score deals on future getaways.</p> <h2>7. The World Expo</h2> <p>After taking a couple years off, <a href="https://expo2017astana.com/en/" target="_blank">World Expo 2017</a> will commence on June 10 in Astana, Kazakhstan, with the theme &quot;Energy of the Future.&quot; Thus far, 101 countries are participating.</p> <h2>8. A Total Solar Eclipse</h2> <p>A total solar eclipse will take place on Monday, Aug. 21. It will be the first solar eclipse visible from the United States since July 11, 1991, which was seen only from part of Hawaii. The longest duration of the eclipse will be two minutes 41.6 seconds, with the best viewing in Carbondale, Illinois. Just don't look directly at it, okay?</p> <h2>9. Your Vacation</h2> <p>Do you have a vacay on the books? Start planning where you'll stay and all the fun activities you want to do. It takes me hours and hours of planning to create an amazing vacation. I'm big on activities to create memories, and I like to compare prices and search for discounts to get the best deals. Happy hunting!</p> <h2>10. Making at Least One New Friend</h2> <p>I make several new friends a year &mdash; I actually set it as a goal &mdash; because I like to keep my social life active and interesting. Broaden your horizons by joining a social sports group, signing up for fitness classes, taking an art or music lesson, or becoming a member of a group that interests you.</p> <h2>11. Learning Something New</h2> <p>I'm sure you'll learn plenty of new things this year, but you have to make a conscious effort to learn anything important, like a new skill or a more efficient way to do something that takes up time or money. Decide what you want to learn and make it happen.</p> <h2>12. The First Human Head Transplant</h2> <p>Despite how you may feel about it, the <a href="http://www.nytimes.com/2016/06/12/world/asia/china-body-transplant.html" target="_blank">first human head transplant</a> will likely be performed this year. Italian neuroscientist Dr. Sergio Canavero and Chinese surgeon Dr. Xiaoping Ren are expected to remove the head of a Russian man named Valery Spiridonov who suffers from Werdnig-Hoffman Disease, and reattach it to a donor body. The procedure is dogged by controversy, but if it's a success, it will go down in history as the most important medical advancement thus far.</p> <h2>13. <em>Stranger Things</em> Season 2 Is Coming</h2> <p>If you were a fan of the Duffer Brothers' love-letter supernatural series to the 1980s, you'll be happy to know that a nine-episode second season of <em>Stranger Things</em> will be released on Netflix in 2017. The new narrative will take place about a year after the first season's events and will explore the &quot;bigger mythology&quot; of Will's disappearance.</p> <h2>14. Carving Out More &quot;Me&quot; Time</h2> <p>Seriously, give yourself a break. See more movies by yourself, take a nap every once in awhile, go grab a cup of coffee, and read a book or magazine in the café. Just love yourself more often. You deserve it.</p> <h2>15. Adding a New Revenue Source to Your Income</h2> <p>I live by the philosophy that you should always have two sources of income. I truly believe it's the only way you'll get ahead in life, especially if you like to do things like go out to dinner or on vacation. In addition to a full-time career, I supplement my income by watching other people's pets via DogVacay, renting out my homes on Airbnb, and driving people around town with Lyft and Uber. There are many, many ways that are not limited to my suggestions that you can put more money in the bank this year.</p> <h2>16. Finding Joy</h2> <p>We live in a world of negativity, it seems. Everywhere we turn, it's bad news. But that's perhaps because we're actually looking for the bad news, like on social media where all people seem to do is complain about things they can't change and otherwise lament their lives. Shun that mentality this year and find joy for yourself. Maybe that means taking a social media hiatus, but do whatever you've got to do. There's still happiness left in the world, if you know where to look.</p> <h2>17. Committing to a Healthy and Productive Lifestyle</h2> <p>Go to bed early and wake up earlier. Stay on track with your fitness. Drink water and eat healthy. Do these three things for yourself and I promise you that so many other things will start to fall into place. Just stick to it and you'll see the results. I promise.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/17-reasons-to-look-forward-to-2017">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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</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/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</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/flashback-friday-the-81-best-tips-for-saving-big-at-the-grocery-store">Flashback Friday: The 81 Best Tips for Saving Big at the Grocery Store</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/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting 2016 2017 fitness Health new year new you New Year's New Year's Eve new year's resolutions Fri, 30 Dec 2016 10:00:14 +0000 Mikey Rox 1865096 at http://www.wisebread.com Flashback Friday: 38 Ways to Get More Sleep Tonight http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-38-ways-to-get-more-sleep-tonight" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sleeping-587523170.jpg" alt="Woman finding ways to get more sleep tonight" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting a good night's sleep on a consistent basis will protect your physical health as much it'll protect your mental health. The problem is that with our super busy lives, sleep is always the first thing to suffer. It's time to stop making sleep an afterthought. Because it's so easy to regulate your sleep schedule with the right tools and strategies. Here are 38 ways to get more sleep tonight.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman-sleeping-460137233-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-ways-to-get-prettier-smarter-and-healthier-while-you-sleep?ref=fbf">6 Ways to Get Prettier, Smarter, and Healthier While You Sleep</a> &mdash; Wait, you mean you can improve your overall beauty, intelligence, and health while you sleep? Sold! These tricks will help you make it happen without breaking the bank.</p> <p><a href="http://www.wisebread.com/11-smart-ways-to-get-some-sleep-at-the-airport?ref=fbf">11 Smart Ways to Get Some Sleep at the Airport</a> &mdash; With the holidays coming up, many of us will have to resort to catching a few z's at the airport. It's not ideal, but also not impossible. Here's how to score a restful night of snoozing at the gate.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/man_tired_work_000075631055.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/3-ways-good-sleep-makes-you-wealthier?ref=fbf">3 Ways Good Sleep Makes You Wealthier</a> &mdash; In order to increase your overall wealth and achieve your financial goals, you need to be focused, patient, and driven. And it's very difficult to feel any of these things when you're running on a few hours of sleep and completely exhausted.</p> <p><a href="http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep?ref=fbf">7 Ways to Boost Your Finances While You Sleep</a> &mdash; Didn't think you could make extra cash while fast asleep, eh? Wrong! Here are seven ways to make your money work for you, so you can hit the hay.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleep-177703194.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/get-better-sleep-with-these-5-great-sleep-tracking-apps?ref=fbf">Get Better Sleep With These 5 Great Sleep-Tracking Apps</a> &mdash; It's easier to focus on getting more sleep when you have apps that track your sleep patterns and tell you how you can improve. Knowledge is power, after all.</p> <p><a href="http://www.wisebread.com/6-foods-scientifically-proven-to-help-you-sleep?ref=fbf">6 Foods Scientifically Proven to Help You Sleep</a> &mdash; Eat more to get more sleep? Uh, yes please. Have any of these as a snack and you could sleep more soundly tonight.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">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-6"> <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-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</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/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</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/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty anxiety fbf flashback friday frugal living Health mental health more sleep relaxation rest self-care sleep stress Fri, 18 Nov 2016 11:00:14 +0000 Chrissa Hardy 1835392 at http://www.wisebread.com Flashback Friday: 84 Frugal Ways to Eliminate Stress http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-84-frugal-ways-to-eliminate-stress" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_meditating_grass_67536037.jpg" alt="Woman finding frugal ways to eliminate stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's no secret a lot of us are feeling extra stressed right now. The most important thing we can do in times of extreme stress is to practice self-care, and do what we can to eliminate the sources of stress and anxiety in our lives. Here are 84 frugal ways to lighten the load.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_meditating_work_000078035075.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress?ref=fbf">10 Frugal Ways to Reduce Workplace Stress</a> &mdash; Stress at work is probably the most common source of stress there is. And in those moments of stress at work, there are things you can do to take a step back and find that inner zen. Give these a try.</p> <p><a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress?ref=fbf">13 Cheap Ways to Beat Stress</a> &mdash; The cure for stress isn't always an expensive massage or costly therapy sessions. There are frugal things you can do to combat the stress monster, and your wallet will appreciate that!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/father_son_fishing_70352103.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes?ref=fbf">Beat Stress With These 28 Inexpensive Pastimes</a> &mdash; Some of the most enjoyable and effective stress busters are the activities we've done since childhood. Go for a bike ride, take a moment to write, take an online class, or do a puzzle. There are so many, and all will make you feel better.</p> <p><a href="http://www.wisebread.com/turn-your-home-into-a-spa-with-these-5-frugal-stress-relievers?ref=fbf">Turn Your Home Into a Spa With These 5 Frugal Stress Relievers</a> &mdash; When you can't change your circumstances, you can change your environment. Give your home a soothing, spa-like feel and you'll instantly feel more relaxed.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_73912007_LARGE.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=fbf">8 Ways to Turn Your Stress Into Money</a> &mdash; Another way to battle that stress is to turn it into cash. Because when you're more financially comfortable, your stress instantly decreases. Money doesn't buy happiness, but it can reverse your stress.</p> <p><a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress?ref=fbf">20 Free (or Really Cheap) Ways to Relieve Stress</a> &mdash; Meditation, taking your dog for a walk, and rearranging your furniture are just a few ways to eliminate the stress in your life. And when you can do it for free, or very little money, why not try?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">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-7"> <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-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</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/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</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/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty anxiety fbf flashback friday frugal living Health meditation mental health relaxation self-care stress zen Fri, 11 Nov 2016 10:00:15 +0000 Chrissa Hardy 1830896 at http://www.wisebread.com Your Stressful Job May Be… Making You Healthier? http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/your-stressful-job-may-be-making-you-healthier" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_stressed_work_85247123.jpg" alt="Woman learning her stressful job might be making her healthier" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Yes, stress has a negative effect on our health. It can raise our blood pressure, increase the risk of heart disease, and contribute to obesity and other illnesses. And that may seem like reason enough to quit your high-pressure job, but before you throw in the towel and dust off your resume, there's something you should know about job-related stress.</p> <p>As much as you'd like to banish all that frustration from your life, consider that your constant 9-to-5 headache may be making you healthier. Yep, you read that correctly. Recent research found that a moderate amount of everyday stress has a surprising positive effect on the brain and body. Now, this doesn't mean you should run out and get the most stressful job you can find, or stay in occupations that push you over the edge. There's good stress and there's bad stress, and it's important to understand how each affects the human body. Chronic stress, which lasts for weeks or months, is bad stress, and can trigger long-term problems. But considering that our bodies are wired to react to stress, the everyday pressures you deal with at work aren't necessarily a bad thing. Here's why. (See also: <a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=seealso">8 Ways to Turn Your Stress Into Money</a>)</p> <h2>1. It Improves Brainpower</h2> <p>Whether you're facing tight deadlines or preparing for an upcoming meeting with a difficult client, these types of situations can increase your stress level and send you into panic mode. Every job has its fair share of pressure, and at times it can feel as if you have too much on your plate. These aren't the most favorable circumstances, but the upside is that manageable amounts of stress can improve your brainpower. This not only helps you perform better on the job, it also boosts cognitive function over time.</p> <p>The reason is that moderate stress encourages the production of neurotrophins, a type a brain chemical that supports the growth and survival of nerve cells. So while chronic stress slowly damages brain structure, research shows that short-term stress has the opposite effect and stimulates the growth of new brain cells. A study discovered that<a href="http://greatergood.berkeley.edu/article/item/the_surprising_benefits_of_stress">exposure to short-lived stress</a> triggered the development of new nerve cells in the brains of laboratory rats. After two weeks, the lab rats had improved mental performance. Researchers concluded that controlled, manageable stress on the job prompts a similar reaction in humans, improving our memory, concentration, and alertness.</p> <h2>2. It Boosts Your Immune System</h2> <p>Some people who battle ongoing stress notice a difference in their health because too much stress can suppress the immune system. This makes us more susceptible to illness and infections. But with regard to short-term stressors &mdash; such as those you might experience at work &mdash; these types of demands have the potential to reinforce or strengthen protective chemicals in your body, which can give your immune system a pick-me-up.</p> <p>High-tense situations set in motion a fight-or-flight response, which is a physiological reaction to a perceived threat. This is an inborn response that prepares your body to fight or flee impending danger. Your heart rate increases, your body releases adrenaline and extra sugar for energy, and you react more instinctively. According to a study by the Stanford University School of Medicine, the <a href="https://med.stanford.edu/news/all-news/2012/06/study-explains-how-stress-can-boost-immune-system.html">fight-or-flight response activated by short-term stress</a> not only jump-starts a spontaneous reaction from your body's resources, it also promotes stronger immune function, which makes it easier for your body to ward off and fight infections.</p> <h2>3. It Lowers Your Risk of Prolonged Stress</h2> <p>Short-term stress also increases resiliency and teaches you how to confront and tackle everyday pressures and demands. The first time you come up against a particular situation, you might crumble or think you don't have strength to handle the hurdle. But the more you face the problem and overcome the stressor, the easier it is to cope in the future.</p> <p>If you toughen up and develop positive strategies to manage your time and emotions, you're less likely to suffer from chronic stress. As a result, you decrease the risk of health problems triggered by prolonged stress, such as heart disease, cancer, and infections.</p> <h2>4. It Might Help You Live Longer</h2> <p>Do you want to live longer? Your stressful job might be the secret weapon. A study conducted by the Indiana University found that &quot;employees in stressful positions were a third <a href="http://time.com/money/4536431/stressful-job-health/">less likely to die than those with less strenuous jobs</a>.&quot; These findings might have you scratching your head, especially since we already know the negative consequences of stress, but the study also revealed that those in stressful positions who lived longer were also in control of their workflow.</p> <p>The study, which took place between 2004 and 2011 and included thousands of workers, concluded that participants who enjoyed greater flexibility in their stressful jobs were 34% less likely to have died than participants in high-pressure jobs who enjoyed little freedom. One theory is that participants with less control in their high pressure jobs were more likely to adopt unhealthy habits as a way to cope with their circumstances. These habits included overeating (which leads to obesity, high blood pressure, diabetes, and heart problems), and smoking, which increased the risk of cancer and other health problems.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">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-8"> <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/3-reasons-you-are-more-than-your-job">3 Reasons You Are More Than Your Job</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/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</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-important-reasons-to-always-call-in-sick-when-youre-sick">8 Important Reasons to Always Call In Sick When You&#039;re Sick</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-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</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-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Health and Beauty anxiety depression frustration Health stress stressful job work work life balance Thu, 10 Nov 2016 10:00:07 +0000 Mikey Rox 1830273 at http://www.wisebread.com 8 Important Reasons to Always Call In Sick When You're Sick http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-important-reasons-to-always-call-in-sick-when-youre-sick" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_100133849_MEDIUM.jpg" alt="you should call in sick from work if you&#039;re sick" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you're sick, you're sick. Which is why if you're feeling under the weather, it's best to <a href="http://www.wisebread.com/10-reasons-you-should-call-in-sick-today">call out of work and rest up</a> for a speedy recovery. Because as much as you don't like that stuffy head, sore throat, snot-rocket business, your co-workers like it even less &mdash; especially when you're kablooey-ing all over the office. As such, here are a few reminders on the importance of cuddling up under the covers with Jell-O and Netflix when you're on your proverbial deathbed to avoid plunging your entire company into chaos.</p> <h2>1. You'll Spread Your Germs Around</h2> <p>Obviously a no-brainer, when you're ill, you're often contagious. The last thing you want is to start spreading around whatever nastiness you've got. I don't mean to be dramatic or anything, but remember how fast diseases spread &mdash; viruses like H1N1, SARS, and Ebola. Unassuming, exemplary employee Hank probably caught a cough and thought he could work through it. Except the next thing you know, the CDC is calling pandemic on the whole thing, and now Hank is quarantined (and probably never heard from again) because he's Patient Zero. Grocery stores are mobbed, kids stay home from school, the world markets crash &mdash; all because of Hank and his cough. Don't be Hank.</p> <h2>2. You Won't Be Able to Concentrate</h2> <p>When you've fallen ill, it's usually hard to concentrate &mdash; what with the achy bones, headache, and watery eyes. Don't try to be a martyr at the office by pretending that you actually know what's going on. Because you don't. It's hard to enough to concentrate when you're sick, but it's almost impossible when you add those three max-strength Benadryl you ate for breakfast into the equation.</p> <h2>3. Your Body Will Be Tired, and You'll Be Unproductive</h2> <p>Sickness takes a toll on your body. Your immune defenses are down, you're not getting quality sleep, and you always have a hard time moving a muscle given that when you're sick on a weekend, all you do is ring that godforsaken bell to summon your partner to the bedroom to change the channel because your wittle fingers are too brittle to switch to Netflix.</p> <p>Social media professional Megan Ingenbrandt, from New Jersey, knows what I'm talking about.</p> <p>&quot;People underestimate the value of sleep when they're healthy, but I think it's even worse when they're sick,&quot; she says. &quot;Since they're not feeling their best, people often try to cram in as much work as possible so they can just crash when they get home. It's important to take time off when you're sick because your body needs more rest than normal to rejuvenate. Take the day off to veg out in bed and get back to work when you're feeling better.&quot;</p> <h2>4. You're <em>Not</em> Impressing the Boss With Your Will to Survive</h2> <p>Some employees come into work instead of calling in sick thinking&nbsp;<a href="http://officeteam.rhi.mediaroom.com/2014-01-28-survey-seven-in-10-workers-frequently-come-to-the-office-when-feeling-sick">it shows dedication </a>and that it'll impress their superiors &mdash; but that's a fool's game. Your boss doesn't want to have anything to do with you when you arrive late just to run to the bathroom every 10 minutes. Like anybody's got time to sanitize the place all day.</p> <h2>5. Nobody Wants to Hear You Hacking Up a Lung All Day</h2> <p>You know how gross is it to have a meeting with someone who sounds like they're on death's door? Besides, all that commotion is distracting to your coworkers who are busy planning your funeral instead getting the tasks that are on their to-do lists done. Perfect way to make lifetime enemies.</p> <h2>6. Your Miserable State Will Make Others Around You Miserable</h2> <p>You're not your outgoing, friendly self when you're sick, and when one person's morale is down in the office, it tends to drag others' down with it. You'll notice that nobody's smiling around you when you go to work sick because they're not your biggest supporter while you're contaminating every surface with your plague.</p> <h2>7. The Medication You're On Makes You a Liability</h2> <p>There's a reason many medications &mdash; even over-the-counter types &mdash; recommend that you abstain from operating motor vehicles or heavy machinery while under their influence. You could hurt yourself or somebody else. And if you do that on company time, you've just created a whole heap of trouble for you and your company.</p> <h2>8. You're Setting a Bad Example for Others</h2> <p>Guess what? Since you dragged your risen-from-the-crypt carcass to work when you had the flu, now everybody feels like they have to come to work one foot in the grave, too. You don't want to be the person who silently encourages their coworkers to endanger themselves and others because you're a proper nitwit, do you? I didn't think so. Instead, go to the doctor and find out what's wrong with you, or at the very least, spend like $50 at Rite-Aid on OTC remedies to flush out those poisonous hangers-on chemically. It's the American way.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick">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-9"> <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/your-stressful-job-may-be-making-you-healthier">Your Stressful Job May Be… Making You Healthier?</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-high-cost-of-catching-a-cold-or-the-flu">The High Cost of Catching a Cold or the Flu</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/economic-effects-of-pandemic-flu-in-a-recession">Economic effects of pandemic flu in a recession</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/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep 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-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Health and Beauty call in sick cold flu Health home sick rest sick at work sick day stay home work Wed, 05 Oct 2016 09:00:08 +0000 Mikey Rox 1805694 at http://www.wisebread.com 10 Cheap Exercise Tools for a Killer Workout http://www.wisebread.com/10-cheap-exercise-tools-for-a-killer-workout <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-cheap-exercise-tools-for-a-killer-workout" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_89396693_MEDIUM.jpg" alt="kettlebells are great for a cheap workout" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting fit can be hard for a lot of reasons. Not least among those is that it is often expensive. Buying a gym membership, paying for a trainer, or even getting the running shoes that won't hurt your feet can easily be beyond your means, especially if you're trying to save up for something or pay off debt.</p> <p>But never fear! You can get the workout you need without spending a fortune. Here are some frugal, useful pieces of equipment that won't break the bank. (See also: <a href="http://www.wisebread.com/make-these-9-health-moves-now-or-youll-regret-it-in-20-years?ref=seealso">Make These 9 Health Moves Now or You'll Regret It in 20 Years</a>)</p> <h2>1. Yoga Mat</h2> <p>When most people think about a <a href="http://amzn.to/2bvWWWN">yoga mat</a>, they don't really think much beyond&hellip; well&hellip; yoga. While yoga is a wonderful full-body exercise, you can use your yoga mat for so much more. It lessens the impact anytime your feet hit the ground, so try using it for jogging in place, doing jumping jacks, mountain climbers, and more. Get your cardio on and then stretch it out, all from the comfort of your yoga mat.</p> <h2>2. Balance Ball</h2> <p>Those <a href="http://amzn.to/2bdDUnv">big, inflatable balls</a> aren't just good for your kids to bounce on, or as office chair substitutes. You can pick them up, squat with them, squeeze them in about a zillion different ways, and more. In the end, you'll definitely get a strength workout in, and you'll break a sweat, too. If you need more cardio, incorporate some jumping with &mdash; or over &mdash; the ball into your routine.</p> <h2>3. Resistance Bands</h2> <p>If a set of dumbbells are beyond your means right now, consider investing in some resistance bands instead. You can either get the type that a <a href="http://amzn.to/2bQyS4L">physical therapist will give you</a>, or <a href="http://amzn.to/2bdHWvK">some that come with handles</a>, or you can get the kind that are more like giant rubber bands. Either way, pulling them apart in different ways will work your entire body. You can also hang them from doors, and loop them around chairs in order to get the desired resistance and effect.</p> <h2>4. Bulgarian Bag</h2> <p>A <a href="http://www.artofmanliness.com/2011/10/21/minimalist-training-how-to-make-and-use-a-bulgarian-training-bag/">Bulgarian bag</a> is a training tool that many haven't heard of, and that's a shame. At its most basic, it's a narrow, heavy bag with some sort of strap. You can sling it around and even practice some Olympic lifting motions with it, or you can attach it to you for added weight while you do cardio. They range in price quite a bit, based on the weight, but it's easy to make your own for $15-$20.</p> <h2>5. Aerobic Step</h2> <p>Remember those steps that used to be all the rage in aerobics classes? Well, the classes aren't as popular anymore, but <a href="http://amzn.to/2byakOY">the steps are still useful</a>. You can use them for aerobics, but you can also stack them to make a (usually short) plyometric platform. If you're really in a bind, you can also use it as a low flat bench for lifting weights.</p> <h2>6. Flat Bench</h2> <p>And then there's <a href="http://amzn.to/2bIBQ8m">the flat bench</a>. If you're going to be doing more aerobics, the step is probably your best bet. But if you want something to lie on while you lift that Bulgarian bag over your head, the flat bench is probably better. You can still use it for plyometric purposes, and even for aerobics, if you really want to.</p> <h2>7. Jump Rope</h2> <p>A simple <a href="http://jumpnrope.com/jump-rope-store/jump-ropes/">jump rope</a> is one of the best training tools out there. Do you doubt me? Go jump for five minutes straight and come back. I'll wait.</p> <p>Seriously, though, jumping rope provides good, quick cardio, and it also activates most of the muscles in your body. Your legs will burn, and you'll even feel it in your back and shoulders if you jump long enough. The best thing about a jump rope, though, is that you can do it almost anywhere. It's easy to pack and you just need a tiny bit of open space to get your workout in. Even if your living space is teeny, you should be able to exercise with a jump rope.</p> <h2>8. Pullup Bar</h2> <p>Do you have a doorway? Great! Get an inexpensive but sturdy <a href="http://amzn.to/2bdfXBg">pullup bar</a>, attach it, and there you go! Instant workout. Even if you can't do pullups, working toward them is great exercise for your back and shoulders. And if you add in some jumping pullups, you'll work your lower body and get in some cardio, too. Add a set of resistance bands strung around the bar, and there's not a part of your body that you can't work.</p> <h2>9. BOSU Ball</h2> <p>A <a href="http://amzn.to/2bIDs20">BOSU ball</a> is one of those half balls on a platform that I'm sure you've seen around. It's a little funny looking, but it's also a great way to get in shape. Exercise on it for balance and toning, or do jumping exercises for cardio. There are various routines online to help you get started, so you don't have to think it all up by yourself. It might feel a bit awkward to start, but it will be worth it when you're getting in a killer workout.</p> <h2>10. Your Body</h2> <p><a href="https://www.reddit.com/r/bodyweightfitness/">Bodyweight-only exercise</a> has become a thing, and it's a legitimate one. No matter your current fitness level, there are ways you can exercise using only your body that will help you get stronger, get in your cardio, and even lose weight. Sure, there are the exercises everyone remembers from gym class &mdash; stuff like pushups and situps &mdash; but body weight fitness experts have gone far beyond that now. So even if you can't spend a cent on equipment, there's no reason you can't <a href="https://www.fitloop.co/">get your workout on</a>.</p> <p><em>What's your favorite piece of budget exercise equipment? How do you use it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/10-cheap-exercise-tools-for-a-killer-workout">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-10"> <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-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</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-ultimate-green-workout">The Ultimate &quot;Green&quot; Workout</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/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</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-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</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-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty cheap fitness exercise tools fitness frugal fitness getting in shape Health healthy lifestyle workout Wed, 24 Aug 2016 10:30:12 +0000 Sarah Winfrey 1778321 at http://www.wisebread.com The 5 Best Smart Scales http://www.wisebread.com/the-5-best-smart-scales <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-smart-scales" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_digital_scale_31160596.jpg" alt="Woman using best smart scale to determine weight" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether your goal is to lose weight, maintain your weight, or bulk up, a smart scale can get you to where you want to be in no time. By automatically syncing your weight and taking advantage of free online graphs, mobile features, and motivational tools, you can stay on track with less effort.</p> <h2>What Is a Smart Scale?</h2> <p>A smart scale can measure your weight, body fat, and more. It can then wirelessly sync to your fitness devices, desktop, and smartphone. This will allow you to seamlessly monitor your progress to ensure you are on track to meet your weight management goals.</p> <h2>Top 5 Smart Scales</h2> <h3>Fitbit Aria Wi-Fi Smart Scale</h3> <p><a href="http://amzn.to/2bC9Y94"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fitbit.jpg" width="220" height="219" align="right" alt="" /></a>As Amazon&rsquo;s #1 best-seller in body fat monitors, you can count on the <a href="http://amzn.to/2bC9Y94">Fitbit Aria Wi-Fi Smart Scale</a> to accurately track your weight, BMI, lean mass, and body fat percentage. It is easy to set up and automatically recognizes up to eight users. You can upload your results through Wi-Fi so that you can easily track your progress. You can also set goals, log food and activities, earn badges, compete with friends, and share progress through the free app, allowing you to stay motivated and better manage your weight. It also syncs with your Fitbit tracker and other popular apps, so you can track your progress however you prefer. It has a sleek appearance and the polished glass surface resists condensation.</p> <p>This highly acclaimed scale comes in either black or white. It has exceptional online ratings, including more than 2,300 five-star reviews on Amazon. It is also recommended by Men&rsquo;s Fitness, CNET, PC Mag, and Tom&rsquo;s Guide.</p> <p><a href="http://amzn.to/2bC9Y94"><em>Currently $105.00 on Amazon</em></a></p> <h3>EatSmart Precision Digital Bathroom Scale</h3> <p><a href="http://amzn.to/2b002kP"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/eatsmart.jpg" width="220" height="220" align="right" alt="" /></a>As Amazon&rsquo;s #1 best-seller in digital bathroom scales, the <a href="http://amzn.to/2b002kP">EatSmart Precision Digital Bathroom Scale</a> has more than 20,000 Amazon reviews. It offers accurate measurements thanks to four high precision sensors. It is easy to use and features &quot;Step-On&quot; Technology, auto calibration, and auto shut-off. It features a slim design, thick tempered glass top, and an extra large 3.5-inch backlit LCD display with large numbers.</p> <p>This digital bathroom scale is recommended by ConsumerSearch and Good Housekeeping, and has nearly 18,000 five-star reviews on Amazon. It is also backed by outstanding customer service and a satisfaction guarantee. If this one doesn&rsquo;t work for you, then ConsumerSearch also recommends the <a href="http://amzn.to/2b1P9zu">EatSmart Precision GetFit Digital Body Fat Scale</a>.</p> <p><a href="http://amzn.to/2b002kP"><em>Currently $22.95 on Amazon</em></a></p> <h3>Withings Smart Body Analyzer</h3> <p><a href="http://amzn.to/2btm7tC"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/withings.jpg" width="245" height="136" align="right" alt="" /></a>The <a href="http://amzn.to/2btm7tC">Withings WS-50 Smart Body Analyzer</a> can collect a lot of data for up to eight different users. It accurately measures weight, body fat percentage, and heart rate. The free app can help you visualize trends and set goals so that you can easily track your progress over time. The smart body analyzer also offers details on the daily weather report, indoor air quality, and temperature. It is easy to use, easy to setup, and easy to read. It has an attractive design and features a personalized online dashboard. It offers automatic wireless syncing and can connect via Bluetooth or Wi-Fi to the Withings app and other third-party mobile and web apps. It is compatible with iOS and Android devices, Apple Watch, and Apple Health.</p> <p>This impressive scale is available in black or white. It is recommended by ConsumerSearch, Consumer Reports, Men&rsquo;s Fitness, PCMag, CNET, The SweetHome, and Tom&rsquo;s Guide. It also has more than 2,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2btm7tC"><em>Currently $118.79 on Amazon</em></a></p> <h3>Weight Gurus Bluetooth Smart Connected Body Fat Scale</h3> <p><a href="http://amzn.to/2b5arhj"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/weight%20gurus.jpg" width="197" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2b5arhj">Weight Gurus Bluetooth Smart Connected Body Fat Scale</a> measures weight, body fat, BMI, muscle mass, hydration, and bone mass. The high accuracy sensors offer precision measurements and the scale calibrates itself automatically. It features auto-off and auto user detection for up to eight different users. It is easy to use and features built-in Bluetooth. It seamlessly integrates with the Weight Gurus app, as well as with other popular fitness services and apps. It has a large 3.25-inch backlit LCD display with oversize numbers, housed in a sleek, low profile body.</p> <p>This scale comes from the #1 U.S. smart scale brand. It is recommended by ConsumerSearch and The SweetHome, and has nearly 700 five-star reviews on Amazon. It comes with outstanding customer support, a 100% satisfaction guarantee, and a five-year warranty. A portion of each sale is also donated to charity, so you can feel good about your purchase.</p> <p><a href="http://amzn.to/2b5arhj"><em>Currently $59.99 on Amazon</em></a></p> <h3>Garmin Index Smart Scale</h3> <p><a href="http://amzn.to/2b59Ko7"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/garmin.jpg" width="245" height="213" align="right" alt="" /></a>The <a href="http://amzn.to/2b59Ko7">Garmin Index Smart Scale</a> measures weight, BMI, body fat, hydration, bone mass, and skeletal muscle mass for up to 16 people. It has quick, easy setup and syncs automatically via Wi-Fi to the free Garmin Connect online fitness community, which will allow you to seamlessly track your progress. It has a big display with bright, large numbers, allowing easy visibility.</p> <p>This smart scale comes in either black or white. It is recommended by Men&rsquo;s Fitness, CNET, Digital Trends, and Tom&rsquo;s Guide.</p> <p><a href="http://amzn.to/2b59Ko7"><em>Currently $149.99 on Amazon</em></a></p> <p>And those are our recommendations for the best smart scales. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-smart-scales">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/the-5-best-shampoos-for-frizzy-hair">The 5 Best Shampoos for Frizzy Hair</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-best-anti-itch-creams">The 5 Best Anti-Itch Creams</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-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</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-best-callus-removers">The 5 Best Callus Removers</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-5-best-smart-water-bottles">The 5 Best Smart Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best digital scales Health losing weight product reviews shopping smart scales Thu, 18 Aug 2016 09:30:33 +0000 Andrea Cannon 1774633 at http://www.wisebread.com Is Long Term Care Insurance Worth It? http://www.wisebread.com/is-long-term-care-insurance-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/is-long-term-care-insurance-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/61715372.jpg" alt="Old woman learning if long term care insurance is worth it" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Worried about how you'd pay for a long stay in a nursing home? These concerns aren't rare. The 2016 Insurance Barometer Study found that 58% of respondents worried they wouldn't have enough money to afford the costs of long-term care.</p> <p>Fortunately, there is an insurance product that can help ease these concerns: long-term care insurance. It pays for services to help people who need assistance with daily activities, or who require supervision because of a disease such as Alzheimer's. People often use this insurance to cover stays in nursing homes.</p> <p>The U.S. population is aging. The U.S. Census Bureau said that there were 46.2 million people 65 and older in 2014, or 14.5% of the country's population. These people are the prime target for long-term care insurance. But you may need it sooner if you have reason to believe you'll need such assistance earlier in life.</p> <h2>Is It Worth It?</h2> <p>Should you invest in long-term care insurance? That depends on a host of factors. Do diseases such as Alzheimer's run in your family? Did your parents and their parents die young, or did they live to an old age? Did they require long stays in nursing homes?</p> <p>Unfortunately, there's no way to predict whether you will need long-term care in your life. You might be healthy today. You might eat well and exercise regularly. This doesn't mean that your health can't suddenly change.</p> <p>Then there are other financial alternatives to consider. By the time you need long-term care, you might be eligible for the government's Medicaid program, which will pay most of the cost of any stays in critical-care facilities or nursing homes. This program is only open to consumers with few assets. Many senior citizens on fixed-incomes, though, will qualify.</p> <p>Also, Medicare will often pay for the first 20 days that you spend in a nursing home. From the 21st to the 100th day, Medicare requires that you make a co-payment of $161 a day.</p> <p>If you do want to invest in long-term care, know that the <a href="http://www.wisebread.com/top-5-health-care-terms-youve-heard-of-but-dont-know-what-they-mean" target="_blank">insurance can be costly</a>. The American Association for Long-Term Care Insurance says that an insurance policy providing $164,000 in immediate coverage will cost a male age 55 in good health an average of $1,060 a year. A single female in good health would pay an average of $1,390 a year for the same coverage, according to the association.</p> <p>A couple, both age 60 with standard health for that age, would pay an average of $2,710 a year &mdash; the combined cost for both members of the couple &mdash; for a long-term care insurance policy with $164,000 in immediate coverage.</p> <p>Better policies will cost significantly more. The association says that a policy providing $164,000 in immediate coverage at age 60 and $365,000 at age 85 would cost a 55-year-old man in good health an average of $2,075 a year. It would cost a 55-year-old female also in good health an average of $2,411 a year.</p> <h2>Long-Term Care Costs Continue to Rise</h2> <p>According to the 2016 Genworth Cost of Care Survey, the cost of long-term care is only getting more expensive. According to the survey, the national median cost of a month's stay in a semiprivate room in a nursing home is $6,844. That figure rises to $7,698 for a month's stay in a private room. The median cost for a stay in an assisted-living facility was $3,628 a month.</p> <p>Other costs associated with long-term care are staggering, too. The Genworth survey found that the median cost for a month's worth of homemaker services was $3,813 and the median cost of a home health aide was $3,861 a month. The median cost of adult day health care services was $1,473 a month.</p> <p>The odds are high that you, too, will need to some form of long-term care as you age. According to a 2013 study by the Centers for Disease Control, more than 8.35 million people receive support from the five main types of long-term care services: home health agencies, nursing homes, hospices, residential care communities, and adult day service providers.</p> <p>You can't predict today whether you will need such care or whether you'll ever need to use a long-term care insurance policy. But for some, the annual investment does provide peace of mind that if you are hit with a huge bill for a long stay in a nursing home, you won't have to bankrupt yourself to pay for it.</p> <p><em>Have you considered long-term care insurance?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/is-long-term-care-insurance-worth-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-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-financial-steps-to-take-when-your-aging-parents-move-in">6 Financial Steps to Take When Your Aging Parents Move In</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-pet-health-insurance-worth-it">Is Pet Health Insurance Worth It?</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/a-simple-guide-to-planning-for-a-loved-ones-long-term-care">A Simple Guide to Planning For a Loved One&#039;s Long-Term Care</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/when-should-single-people-get-life-insurance">When Should Single People Get Life Insurance?</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/being-asthmatic-just-got-more-expensive">Being asthmatic just got more expensive</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance aging elderly expenses Health long term care insurance nursing homes senior citizens Tue, 26 Jul 2016 10:30:09 +0000 Dan Rafter 1757849 at http://www.wisebread.com When Should Single People Get Life Insurance? http://www.wisebread.com/when-should-single-people-get-life-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/when-should-single-people-get-life-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_looking_up_29810428.jpg" alt="Woman wondering if single people should get life insurance" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You know the typical market for life insurance: People with families to protect. When these people die, their life insurance policies make payments to their beneficiaries, whether that be their children or their spouse.</p> <p>But what if you're single without children? Is buying a life insurance policy ever a smart move?</p> <p>In most cases, no, you won't need life insurance if you don't have a spouse or any children who count on your income to pay for their daily living expenses. But as with most financial matters, there are exceptions.</p> <p>Here are some of the most common reasons why a single adult without children might consider buying life insurance:</p> <h2>Policies Are Cheaper When You're Younger and Healthier</h2> <p>If you are a healthy and a nonsmoker, you'll pay less for life insurance when you are 24 than you will when you are 30, 35, or older. That's because you're at more of a risk to die.</p> <p>According to Trusted Choice, an independent insurance agent, a 20-year-old male nonsmoker at a healthy weight would pay about $32.53 a month for a $500,000, 20-year term life insurance policy. That cost rises to $35.69 a month for that same healthy male at 35-years-old. And it soars to $111.38 a month when this same male reaches 50.</p> <p>So, it might make financial sense to buy a life insurance policy when you are in your 20s. Then, when you do get married and have kids, you can change the beneficiaries on your policy to your spouse and children.</p> <h2>You Owe Money With Someone Else</h2> <p>Have your parents co-signed on an auto loan with you? Maybe they've co-signed for that mortgage loan that you are paying off each month. What happens to that debt if you should suddenly die? Your parents will be responsible for paying it off.</p> <p>However, if you have a life insurance policy with your parents named as the beneficiary, they could use the payout from the policy to pay off the debt that they owed with you. Taking out life insurance in this case would serve as a form of protection for whoever was generous enough to take on the risk of co-signing a loan with you.</p> <h2>You're Providing Financial Support to Others</h2> <p>Just because you're not married and you don't have children, doesn't mean that you are not providing financial support to someone. Maybe an elderly parent lives with you and counts on your financial support each month. If you should unexpectedly die, what would happen to that parent? By naming that parent as a beneficiary, you can make sure that they are financially protected.</p> <p>You might even be providing financial support to siblings, nieces, or nephews. The right life insurance policy can make sure that this support continues even after your death.</p> <h2>You Want to Leave a Gift</h2> <p>Maybe you simply want to leave a financial gift to someone who holds a special place in your life, even if this person doesn't really need your financial support. By naming that special person as a beneficiary &mdash; it could be a niece, nephew, partner, or friend &mdash; you'll be leaving behind something of great value should you die.</p> <h2>Term or Whole Life?</h2> <p>Once you've decided that you do want a life insurance policy, it's time to determine what kind of policy you want and how large of a policy you need. There are two main <a href="http://www.wisebread.com/5-reasons-why-life-insurance-isnt-just-for-old-people" target="_blank">types of life insurance policies</a>: the cheaper term life, and the more expensive whole life.</p> <p>Term life insurance provides coverage for just a set period of time &mdash; usually 20 years &mdash; but can be bought for as little as one year, or as many as 30. Your premium will usually remain the same during the entire term. Whole life insurance instead lasts, as the name suggests, until you die. Whole life premiums also include an investment component, what is known as the policy's cash value. The cash value will grow during the life of your policy.</p> <p>It's best to meet with a financial planner to determine which type of policy makes the most sense for you. A planner can provide recommendations, too, on how much insurance you should take out to meet your financial goals and how best to structure your policy so that you can provide the most financial protection to your beneficiaries if you should die.</p> <p><em>Do you have life insurance?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/when-should-single-people-get-life-insurance">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-12"> <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-your-group-life-insurance-is-not-enough">Why Your Group Life Insurance Is Not Enough</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/term-vs-whole-life-insurance-heres-how-to-choose">Term vs Whole Life Insurance: Here&#039;s How to Choose</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-fair-way-to-split-up-your-familys-estate">The Fair Way to Split Up Your Family&#039;s Estate</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/4-times-when-bundling-insurance-doesnt-make-sense">4 Times When Bundling Insurance Doesn&#039;t Make Sense</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/beware-your-insurance-may-not-cover-these-8-losses">Beware: Your Insurance May Not Cover These 8 Losses</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance beneficiaries dependents estate planning Health life insurance policies single unmarried Tue, 05 Jul 2016 10:00:09 +0000 Dan Rafter 1741536 at http://www.wisebread.com