jobs http://www.wisebread.com/taxonomy/term/1488/all en-US 5 Money Conversations Couples Should Have Before Retirement http://www.wisebread.com/5-money-conversations-couples-should-have-before-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-money-conversations-couples-should-have-before-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/budgeting_works_better_when_we_do_it_together.jpg" alt="Budgeting works better when we do it together" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Retirement for you and your spouse is just a few years away. Maybe you're both eagerly awaiting the days when you no longer must commute to work, sit in long meetings, and turn in reports.</p> <p>But retirement does come with its own challenges, many of them financial. It's important for spouses to have the same expectations of what their retirement years will look like. And it's equally important for each spouse to understand where their income will be coming from and how much money there will be.</p> <p>Here are five key conversations that couples must have before retirement arrives.</p> <h2>1. What kind of retirement do you both want, and how expensive will it be?</h2> <p>There are many different ways to spend your retirement years. Maybe you want to travel the world. Maybe you'd prefer spending more time with your grandchildren. Your version of a dream retirement might consist of days on the golf course or fishing on the lake.</p> <p>But what if you have the travel bug, and your spouse would prefer to sit home and catch up on some reading? These are two radically different versions of retirement. And, when it comes to your retirement finances, one is far more expensive than the other.</p> <p>It's important for you to share your retirement expectations with your spouse before you actually leave the working world. If you both agree that plenty of travel is in your future, you'll need to work hard to make sure you'll have enough retirement dollars to fund these trips. If only one of you wants to spend time traveling or pursuing a more expensive hobby, you'll have to craft a compromise.</p> <h2>2. Where will the money come from, and how much will you have?</h2> <p>As retirement nears, couples must work together on a new household budget tailored to their new life after work. You won't be able to rely on that steady work income after retirement, and Social Security payments probably won't cover all your daily living needs. This makes writing a household budget &mdash; and agreeing to stick to it &mdash; more important.</p> <p>Your new budget should list all of your sources of monthly income and all of your expected monthly expenses, including mortgage payments if you still have them, car payments, utility bills, groceries, and entertainment. Once you've listed your income and expenses, including how much of your retirement savings you'll need to dip into each month to cover these expenses, you'll have a clearer picture of how much you can spend each month after leaving the working world. (See also: <a href="http://www.wisebread.com/6-ways-you-can-cut-costs-right-before-you-retire-0?ref=seealso" target="_blank">6 Ways You Can Cut Costs Right Before You Retire</a>)</p> <h2>3. Where will you live?</h2> <p>Housing expenses can be a challenge after retirement. It's important for couples to discuss where they'll live after leaving the working life behind. Do you want to stay in your current home for as long as possible? The financial ramifications of this will vary depending on whether you've paid off your mortgage or not. It might make more sense to sell your home and move into a smaller condo or apartment. Or maybe you're ready to move into a senior housing facility.</p> <p>Don't put off conversations about housing. This is one of the most important issues couples face after retirement. (See also: <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries?ref=seealso" target="_blank">Retire for Half the Cost in These 5 Countries</a>)</p> <h2>4. Will one of you take on a new job or career?</h2> <p>Retirement doesn't always mean that you or your spouse won't continue to work in some way. Some people take on part-time jobs to occupy their time and earn a bit of extra spending money. Others start the new careers that they've always desired. (See also: <a href="http://www.wisebread.com/6-great-retirement-jobs?ref=seealso" target="_blank">6 Great Retirement Jobs</a>)</p> <p>It's important for couples to discuss their plans for working after retirement. One spouse &mdash; or both &mdash; holding down a part-time job can make a significant difference in your income and budget after retirement, even if this income isn't essential to covering your daily living needs.</p> <h2>5. How will you handle unplanned expenses?</h2> <p>Unexpected expenses aren't unusual while you're working, with everything from burst water heaters to serious medical problems eating away at your savings. The same unexpected expenses can pop up when you're retired, too. When they do, how will you pay for them?</p> <p>Talk with your spouse about maintaining an emergency fund that can cover at least six months' worth of your daily living expenses after retirement. If you don't maintain this fund &mdash; which you should have had while you were working &mdash; one big unexpected expense could wreak havoc on your budget. (See also: <a href="http://www.wisebread.com/9-unexpected-expenses-for-retirees-and-how-to-manage-them?ref=seealso" target="_blank">9 Unexpected Expenses for Retirees &mdash; And How to Manage Them</a>)</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%2F5-money-conversations-couples-should-have-before-retirement&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Money%2520Conversations%2520Couples%2520Should%2520Have%2520Before%2520Retirement.jpg&amp;description=5%20Money%20Conversations%20Couples%20Should%20Have%20Before%20Retirement"></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/u5180/5%20Money%20Conversations%20Couples%20Should%20Have%20Before%20Retirement.jpg" alt="5 Money Conversations Couples Should Have Before Retirement" 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/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-money-conversations-couples-should-have-before-retirement">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/heres-how-you-should-budget-your-social-security-checks">Here&#039;s How You Should Budget Your Social Security Checks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-couples-are-shortchanging-their-retirement-savings">4 Ways Couples Are Shortchanging Their Retirement Savings</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/heres-how-far-1-million-will-actually-go-in-retirement">Here&#039;s How Far $1 Million Will Actually Go in Retirement</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/dont-start-a-family-before-reaching-these-5-money-goals">Don&#039;t Start a Family Before Reaching These 5 Money Goals</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-you-can-cut-costs-right-before-you-retire-0">6 Ways You Can Cut Costs Right Before You Retire</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement career conversations couples emergency funds expenses housing income jobs marriage spouse Tue, 05 Sep 2017 09:00:06 +0000 Dan Rafter 2013258 at http://www.wisebread.com 10 Jobs That Robots Can't Do, Yet http://www.wisebread.com/10-jobs-that-robots-cant-do-yet <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-jobs-that-robots-cant-do-yet" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/old_classic_tin_robot.jpg" alt="Old classic tin robot" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You may have seen movies like <em>iRobot</em>,<em> Blade Runner</em>, and even <em>Star Wars</em>, and wondered if the future of employment looks bleak for humans. Indeed, it seems every day news stories cover the progress being made in artificial intelligence, and how more factory jobs continue to be taken by robotic workers.</p> <p>But does this mean that every job will eventually be done by a robot? Well, not likely. And the following jobs are safe for the foreseeable future.</p> <h2>1. Any kind of mental therapist</h2> <p>From psychology and psychiatry, to occupational therapy and even some aspects of social work, there is one huge reason why robots cannot do these jobs right now: They're not human.</p> <p>In any kind of therapy session, you need to feel heard and understood. You need a connection with the therapist to make any kind of progress, knowing that he or she is empathetic to your issues and genuinely wants to help. And that word &mdash; genuine &mdash; is at the heart of the problem for robots. Even if they can mimic a human's responses accurately and provide excellent advice, it will always feel programmed and unnatural. Pouring your heart out to a machine will never feel the same as conversing with a human, and that will make it almost impossible for robots to replace this role.</p> <h2>2. Investigative journalists</h2> <p>While it's true that some aspects of journalism are being automated, the kind of work that Woodward and Bernstein did on Watergate is unlikely to be replaced by robots any time soon. Even with great advances in artificial intelligence, robots still don't have that sense of intrigue that humans have.</p> <p>Humans are naturally curious, and when it comes to journalism, people look for things that aren't quite right. They question, probe, dig, and make connections that robots could not do without human intervention. Not only that, but the charm and personality of journalists opens doors, gets people talking, and brings facts out into the open. How many witnesses or informants will open up to a robot in a bar over a pint of beer?</p> <h2>3. Physicians and surgeons</h2> <p>Let's face it; if you found out you were going under the knife tomorrow, how happy would you be to know a robot was performing the procedure without any kind of human involvement?</p> <p>While advances in medical science have brought robots into the operating room, they are not yet at a stage of complete autonomy. They are there to help surgeons, and facilitate in complex and arduous tasks. Sometimes a surgeon can even use one remotely to operate on a patient in a different state (or even country).</p> <p>However, while robots can be painstakingly accurate, they are not yet sophisticated enough to replace surgeons and doctors. If anything were to go wrong during the operation, a robot may not be programmed with the correct response to fix it. A surgeon relies on hundreds of hours of experience, and will often have to think laterally to solve a problem. Sometimes, a surgeon will even follow a gut reactions based on countless other surgeries.</p> <p>Yes, a robot can make precise cuts, and administer medications exactly, but robots cannot replace the human touch that comes from a physician or surgeon. And let's not even go into the kind of malpractice that could result from a defective robot that did not have human oversight.</p> <h2>4. Authors</h2> <p>If you were a publisher looking to hire someone to write a novel for you, would you choose the talents of Stephen King, J.K. Rowling, or perhaps Neil Gaiman? Or would you instead bank on the inventiveness of a robot with AI?</p> <p>Very few people would choose the latter these days. But robot-written books are improving in quality. A short novel co-written by a robot (its co-author is human) made it past the first stage in a Japanese literary contest in 2016, in which the judges did not know which novels were written by humans and which by machines.</p> <p>For now, though, robots are limited to farming data and churning out perfect sentence structures and grammatically-correct paragraphs. None can touch the level of creativity that's required for plot and character development. That comes from the human mind, and probably will for a very long time.</p> <h2>5. Advertising creatives</h2> <p>The ad world was rocked last year by the introduction of &quot;<a href="http://www.adweek.com/agencyspy/mccann-japan-finally-hires-a-robot-as-creative-director/105466" target="_blank">robotic creative directors</a>.&quot; As a creative director myself, the news was initially a hammer blow; until I read what it can do, and how it does it.</p> <p>This &quot;creative director&quot; is really nothing more than an editing assistant that offers solutions based on millions of ads that are available for viewing, coupled with data on current consumers. But the robot cannot (at the moment anyway) come up with a brilliant, innovative ad to capture the imagination and sell a lot of products. That is very much a human endeavor; to create comedy, intrigue, and a &quot;need&quot; out of thin air. AI may help creatives to crack certain problems, but robots will not be taking over the advertising world just yet.</p> <h2>6. Teachers</h2> <p>Certain aspects of the teaching profession can be automated. You just have to look online to see the many thousands of options you have for education courses that are offered without any kind of human involvement.</p> <p>But raising children into responsible, well-educated adults is about much more than rote learning. There needs to be an understanding that goes well beyond facts and figures. Teachers have to deal with emotional issues, and respond to interesting and unusual questions in a &quot;human&quot; way. Despite what you may see in sci-fi movies, teachers are not yet going to be replaced by robots.</p> <h2>7. Film and television directors</h2> <p>Like authors, advertising creatives, and other similar professions, film and television direction is a skill that requires a great deal of innovation and lateral thinking. Directors have a vision of what they want to put on the screen, and that vision is uniquely human.</p> <p>Robots can assist with editing the movie, finding the best angles for shots, and even suggest script changes and lighting techniques. But for the time being, robots will never take the place of talents like Spielberg, Scorsese, and Nolan.</p> <h2>8. Archaeologists</h2> <p>Indiana Jones and Lara Croft can expect long and fruitful careers. Well, those may be fictional examples of the archaeology professions, but even so, the job is safe.</p> <p>Much of what an archaeologist does is theorizing. Basically, they look at fragments of evidence and piece together concepts and solutions that, to the best of their knowledge, make sense based on the information in front of them. But most of the time, it's intelligent guesswork. This kind of thinking is not something in which robots excel. They can come up with solutions to complex problems in nanoseconds, but ask them to &quot;have a guess&quot; and it's a different story.</p> <h2>9. Detectives</h2> <p>Certain aspects of policing and the law could one day be replaced by robots or computers, especially as artificial intelligence becomes even more sophisticated. However, the detective that works in homicide, missing persons, burglary, organized crime, and many other areas of the industry, has a long time before they need to worry.</p> <p>Aside from the fact that a human element is needed to make links between seemingly random pieces of information (often called &quot;a hunch&quot;), it would be nearly impossible for a robot to go to the places a detective must go to find clues, investigate witnesses, and dig up leads. And when it comes to undercover work, that's even more impossible. Yes, there are robot cops around right now in some countries, but they are really just souped-up information agents. They don't solve crimes.</p> <h2>10. Actors and entertainers</h2> <p>Several people have speculated that actors, singers, dancers, comedians, and other entertainers are one day going to be replaced. True, Peter Cushing died in 1994, and was digitally recreated with convincing effects in 2016's <em>Rogue One</em>. And as technology improves, so will these animated stars.</p> <p>However, the emotion and physicality that comes from a truly gifted entertainer is going to be impossible to generate for a long, long time. Performances can be mimicked, but real authenticity and sentiment is not something that comes easy for a robot. Our entertainers will be human for many decades to come.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <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/u5180/10%20Jobs%20That%20Robots%20Cant%20Do%2C%20Yet.jpg" alt="10 Jobs That Robots Can't Do, Yet" 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/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-jobs-that-robots-cant-do-yet">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/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</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/20-ways-amazons-alexa-can-make-your-life-easier">20 Ways Amazon&#039;s Alexa Can Make Your Life Easier</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-transition-to-a-new-career-after-30">6 Ways to Transition to a New Career After 30</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/finding-the-right-job-there-s-plenty-of-phish-in-the-sea">Finding the Right Job: There’s Plenty of Phish in the Sea</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-use-technology-to-upgrade-your-career">6 Ways to Use Technology to Upgrade Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Technology AI artificial intelligence career fields employment human workers jobs robots Mon, 24 Jul 2017 09:00:11 +0000 Paul Michael 1988260 at http://www.wisebread.com These 17 Companies Will Help You Repay Your Student Loan http://www.wisebread.com/these-17-companies-will-help-you-repay-your-student-loan <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-17-companies-will-help-you-repay-your-student-loan" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/saving_for_education.jpg" alt="Saving for education" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Student loans can dampen the ability of new grads to get on their feet financially, causing stress at home and at work. According to Student Loan Hero, the graduating class of 2016 had an average student loan balance of $37,172 &mdash; up six percent from the year before.</p> <p>While it's daunting to see that number rise, the good news is that, in an effort to recruit and retain the best hires, a growing number of employers have started programs to help employees pay back those hefty student loans. Here are a few of those companies helping workers get out of debt.</p> <h2>1. Chegg</h2> <p>In April 2015, tutoring and study services company Chegg announced its college loan reduction plan for full-time employees in partnership with Tuition.IO, a company that provides a web-based platform for tracking and managing student loan payments. This benefit has an annual cap of $1,000 (less taxes), but has no cap on the total amount an employee can receive.</p> <h2>2. ChowNow</h2> <p>ChowNow has found this perk so useful in hiring talent that the company decided to double it from when it first started offering it to employees. The Los Angeles-based online food ordering company has an employer-paid student loan assistance program that matches up to $1,000 a year of employee payments.</p> <h2>3. CommonBond</h2> <p>Since December 2016, this lending marketplace platform has been granting $100 per month to its employees to pay down student loans. While CommonBond limits the perk at $1,200 per year, the company continues helping its employees until they fully pay off their student loans. Employees also have the option to refinance their student loans with CommonBond. On average, student borrowers save over $14,000 when refinancing through CommonBond, according to the company.</p> <h2>4. Credit Suisse</h2> <p>The financial services company doesn't offer a lump sum benefit to its employees, but instead provides a 0.25 percent discount on interest rates to workers that refinance their student loans with online lender SoFi.</p> <h2>5. Connelly Partners</h2> <p>Boston-based ad agency Connelly Partners works with Gradifi to offer a student loan repayment plan that improves the longer the employee stays with the company. Like a 401(k) plan, the agency matches up to $100 per month of its employees' debt payments. Employees who stick around for at least six months receive a $1,000 student loan payment bonus. Those who work for the company for five years receive another $1,000 bonus for the sixth year.</p> <h2>6. Fidelity Investments</h2> <p>The financial services firm makes an annual $2,000 direct payment to employees' student loan servicers, up to a total of $10,000. If your career with Fidelity requires you to continue your education, then Fidelity will reimburse you 90 percent of qualifying costs (up to $10,000 per year) of a work-related degree or certification program. You must have worked for the company for at least six months to qualify.</p> <h2>7. Kronos</h2> <p>Based in Chelmsford, Massachusetts, the workforce management software provider has partnered with solutions provider Student Loan Genius to pay up to $500 per year to help employees pay down student debt.</p> <h2>8. LendEDU</h2> <p>Since February 2016, the online marketplace for student loan financing has paid $2,400 per year ($200 per month) to employees with student loan debt.</p> <h2>9. Martin Health System</h2> <p>Employees working in the nursing field at Martin Health System in Florida can receive up to $2,000 per year to help pay down their student loans. In addition to this benefit from Martin Health System, Florida nurses can also work in areas with staff shortages to qualify for the state's Nursing Student Loan Forgiveness Program or the federal Perkins Loan Cancellation for Nurses and Medical Technicians.</p> <h2>10. Moonlite Bunny Ranch</h2> <p>In 2015, Dennis Hof, the owner of the legal brothel Moonlite Bunny Ranch in Nevada, promised to match 100 percent of his employees' student loan payments for two months, up to the full amount that they made during that period.</p> <h2>11. Natixis Global Asset Management</h2> <p>All Natixis employees receive an annual $1,000 student loan repayment benefit, up to $10,000 over a 10-year period. The company used to require that workers reached five years of employment in order to receive a lump sum benefit of $5,000, but did away with the requirement in July 2016.</p> <h2>12. Nvidia</h2> <p>This computing giant offers comprehensive student loan repayment options. First, employees working at least 20 hours per week who graduated within the previous three years can apply for a reimbursement of $6,000 a year for qualifying student loan payments, up to $30,000. Second, employees who successfully refinance their student loans with SoFi receive a bonus ranging from $200 to $500 and pay no loan origination fees. Third, employees who need to go back to college can receive a reimbursement of up to $5,250 each year for qualified job-related educational expenses, including tuition and books, as long as they earn at least a B average.</p> <h2>13. Powertex</h2> <p>The clothing design company was among the first businesses in Wisconsin to partner with Gradifi to offer a student loan repayment assistance program. Powertex gives eligible employees $100 per month for student loan payments for up to six years.</p> <h2>14. PricewaterhouseCoopers (PWC)</h2> <p>Associates and senior associates at the consulting firm receive $100 per month ($1,200 a year) toward student loan payments for up to six years.</p> <h2>15. SoFi</h2> <p>Many employers partner with SoFi to offer a student loan repayment assistance program. The online lender also offers its own eligible employees $200 per month to help them fully pay back student loans.</p> <h2>16. Staples</h2> <p>The office supply retailer offers top-performing full-time employees $100 a month for three years, for a total of $3,600 in student loan assistance. To maintain their eligibility, employees must meet set criteria throughout the entire three years.</p> <h2>17. Aetna</h2> <p>As of January 2017, the health care company matches employees' student loan payments of up to $2,000 per year, with a lifetime maximum of $10,000. The program is available to employees who have graduated within the previous three years from an accredited institution.</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%2Fthese-17-companies-will-help-you-repay-your-student-loan&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThese%252017%2520Companies%2520Will%2520Help%2520You%2520Repay%2520Your%2520Student%2520Loan_0.jpg&amp;description=These%2017%20Companies%20Will%20Help%20You%20Repay%20Your%20Student%20Loan"></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/These%2017%20Companies%20Will%20Help%20You%20Repay%20Your%20Student%20Loan_0.jpg" alt="These 17 Companies Will Help You Repay Your Student Loan" 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/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/these-17-companies-will-help-you-repay-your-student-loan">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-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-get-student-loan-debt-forgiveness">8 Ways to Get Student Loan Debt Forgiveness</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-didn-t-learn-in-college-but-you-should-have">10 Things You Didn’t Learn in College (but You Should Have)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-stop-student-loans-from-ruining-your-life">How to Stop Student Loans From Ruining Your Life</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/7-money-moves-every-new-college-student-should-make">7 Money Moves Every New College Student Should Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/college-resources">40+ College Resources for Parents and Students</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Job Hunting college companies contributions education employee benefits jobs loan repayment plans student loans Thu, 22 Jun 2017 09:00:10 +0000 Damian Davila 1968233 at http://www.wisebread.com 7 Biggest Ways Procrastination Hurts Your Finances http://www.wisebread.com/7-biggest-ways-procrastination-hurts-your-finances <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-biggest-ways-procrastination-hurts-your-finances" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-621987808.jpg" alt="Woman learning biggest ways procrastination hurts her finances" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Remember those days in college when you'd put off studying until the night before a big exam? You'd stay up all night, desperately trying to cram everything in at the last minute. If only you'd taken the time earlier, you'd have walked into your test rested, calm, and most importantly, prepared.</p> <p>Those bad habits can cost you a lot more in real life if you carry them into the way you handle money. Here are seven situations when procrastination really hurts your bottom line.</p> <h2>1. Investing: Your money has less time to grow</h2> <p>It's one of the basic rules of smart investing: Invest as early as you can and for as long as you can. Some of the most successful investors are those who had relatively modest incomes, but started investing young and stayed in the markets for decades. Compounding interest worked in their favor, and they enjoyed a sizable nest egg later in life. Even a delay of five to 10 years can make a significant difference in how much money you have by retirement. Quite simply, the more you procrastinate, the less money you'll have.</p> <h2>2. Saving: You continue to spend more than you earn</h2> <p>You're aware that you're spending more money than you're bringing in, but you tell yourself that you'll start cutting back after the holidays. The holidays come and go, so then you tell yourself you'll start saving after your big spring break trip. After spring break, you promise you'll start after your cousin's wedding in July. There's always some reason to put off saving, but the best time to start tightening your belt is right away. Devising an arbitrary future start date for financial prudence only means you're spending money you shouldn't in the interim.</p> <h2>3. Debt payoff: Your balances balloon</h2> <p>That credit card bill keeps getting bigger, and it comes on top of your student loans and car payments. You're getting crushed by debt, but it's so overwhelming you can't bring yourself to come up with a plan to tackle it. Every moment you wait to address your debt problem is a moment that allows that debt to grow. Devise a repayment strategy now, before your debt ruins you. (See also: <a href="http://www.wisebread.com/5-ways-to-pay-off-high-interest-credit-card-debt?ref=seealso" target="_blank">5 Ways to Pay Off High Interest Credit Card Debt</a>)</p> <h2>4. Taxes: You might make a costly mistake</h2> <p>Tax Day seems so far away, but before you know it, it's the middle of April and you haven't even gotten started. You may think your taxes are simple, but rushing through the process increases your chances of forgetting income, missing out on deductions, or making a silly error.</p> <p>No one says you have to file your taxes immediately at the beginning of the year, but at least give yourself a few weeks to file your return carefully. A rush job could mean you pay too much, or you may end up with penalties due to mistakes.</p> <h2>5. Bills: You miss payment deadlines</h2> <p>There are consequences to paying bills late, usually in the form of fees and interest charges. If you're the type of person who doesn't even open a bill until it's nearly due, you're putting yourself at risk of extra expenses.</p> <p>Late fees and interest aren't merely one-time charges. Miss your payments by enough days and it can hurt your credit score, impacting your ability to borrow. It's best to pay bills right away when you get them &mdash; or put them on autopay &mdash; so they don't threaten your finances further. (See also: <a href="http://www.wisebread.com/5-simple-ways-to-never-make-a-late-credit-card-payment?ref=seealso" target="_blank">5 Simple Ways to Never Make a Late Credit Card Payment</a>)</p> <h2>6. Job applications: You don't get that better-paying position</h2> <p>You found a job that you think you'll like, and it pays considerably more than your current one. But instead of applying right away, you wait. And wait. And wait. Before you know it, the position is filled. This is a total wasted opportunity.</p> <p>Yes, applying for a job, reworking your resume, writing cover letters, and going through interviews are all tedious and time-consuming. But when you're stuck sitting at your current gig, underpaid and unhappy, you'll really be kicking yourself for not putting in the work to get yourself unstuck.</p> <h2>7. Raises and promotions: You miss out for another year</h2> <p>It's hard to know the precise time to <a href="http://www.wisebread.com/5-times-you-should-demand-a-raise" target="_blank">ask for a promotion or a raise</a>. Often, we wait until annual review season, but by then, personnel decisions may already have been made. The best thing is to approach the subject sooner rather than later. Your boss may not be in a position to respond right away, but you've planted the seed so they know your wishes.</p> <p>Besides, simply asking for a raise or promotion may force your employer to look more closely at your work, and hopefully recognize what you bring to the table each day. If you wait too long to ask, you may have to wait for an entire budget cycle to get another shot.</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/7-biggest-ways-procrastination-hurts-your-finances">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/are-you-putting-off-these-9-adult-money-moves">Are You Putting Off These 9 Adult Money Moves?</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-10-biggest-lies-we-tell-ourselves-about-money">The 10 Biggest Lies We Tell Ourselves About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-moves-to-make-the-moment-you-get-a-promotion">8 Money Moves to Make the Moment You Get a Promotion</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/are-your-emotions-costing-you-money-take-this-quiz">Are Your Emotions Costing You Money? Take This Quiz</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-build-an-emergency-fund-from-0">7 Easy Ways to Build an Emergency Fund From $0</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance asking for raise bills debt investing jobs last minute procrastination promotions saving taxes Tue, 23 May 2017 08:00:09 +0000 Tim Lemke 1949205 at http://www.wisebread.com This One Skill Can Make You a Better Boss http://www.wisebread.com/this-one-skill-can-make-you-a-better-boss <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/this-one-skill-can-make-you-a-better-boss" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-612387410.jpg" alt="Man learning one skill that can make him a better boss" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What is it that every great boss has, and every rotten boss lacks? Here's a clue: it's not a fancy degree or something you can buy.</p> <p>The answer is empathy.</p> <p>With it, you can be a boss that is revered. Without it, you're tone deaf and often hated. Along with your actual ability to do the job, it is the most important trait of a truly superb manager.</p> <h2>What is empathy?</h2> <p>This may sound like an obvious, or even patronizing, question to ask. But empathy is often confused with sympathy, which is related, but different.</p> <p>According to TheFreeDictionary.com, empathy is &quot;the ability to identify with or understand the perspective, experiences, or motivations of another individual and to comprehend and share another individual's emotional state.&quot;</p> <p>Sympathy is feeling pity or sorrow for someone else. It is more general, and more distant. Empathy is deeper. It means that you can put yourself in the other person's place, and share their emotions and outlook on life. &quot;I feel sorry for you&quot; is sympathy; &quot;I feel your pain&quot; is empathy.</p> <h2>The importance of empathy in the workplace</h2> <p>Whenever people are asked why they quit their job, &quot;the boss&quot; is often among the top answers. That is no coincidence. Whether the boss is a bully, or just inept, it can make a workplace intolerable. In many cases, a lack of empathy is to blame.</p> <p>Employees want to feel understood and appreciated. An empathetic boss will not only fulfill those needs, but will do it in a way that does not feel forced or &quot;required by management.&quot;</p> <p>If you are not a naturally empathetic person, don't worry. With enough time, support, and encouragement, managers can learn to be empathetic. Here are some positive steps you can take right now to become that beloved boss.</p> <h2>1. Put yourself in the shoes of various employees for a day</h2> <p>It may not always be practical, or even possible. But if you can walk in an employee's shoes for the day &mdash; or even a few hours &mdash; it can completely open your eyes and show you a whole new perspective. This is especially important if you did not come up through the ranks.</p> <p>From taking orders at the front of the store, to working on the production line, to assembling a report, you will gain firsthand experience of the different roles for which you are responsible. It will also send a positive message to your staff.</p> <h2>2. Conduct more one-on-one and group interviews</h2> <p>Your employees want to feel heard. If you never give them the chance to tell you what's on their minds, you aren't leading with empathy.</p> <p>So, arrange regular appointments with them, either for private interviews or group meetings, and let them clear the air. Be open to new ideas, and do not use this time to rebuke anyone, or shoot down suggestions. Make it a positive experience that they look forward to, and make sure good things come from it. Act on the ideas you like, and tell them why you're not implementing ideas you don't like.</p> <h2>3. Get to know staff personally</h2> <p>Ask people how their weekends were. Get to know them beyond the daily grind. How's the family? Are they taking on a lot of extra work at home? This could be the reason they look tired, and have made some mistakes recently. Have they had a major life change, or has there been a bereavement? The more you know, and genuinely understand, the more empathetic you will be, which will in turn make you a better boss.</p> <h2>4. Be open with the staff</h2> <p>You're not expected to be everyone's best friend. You're a boss, and you should define those boundaries. But, there is absolutely nothing wrong with telling people about some of your own management struggles.</p> <p>Your staff may be annoyed because you haven't implemented something they have been requesting for months. Explaining that you have, in fact, been trying to push that through upper management and are being stonewalled will let the team know you're on their side. Don't pass the buck, bad-mouth your bosses, or make yourself out to be a victim. Just let them know you're working for them.</p> <h2>5. Learn to read body language</h2> <p>If you ask how someone's doing and they say they're fine, it may not be the end of the conversation. How do they look? How's their stance? Is their head drooping? Fingers constantly fidgeting? There may be something they want to tell you, but are hesitant to ask. You can break the silence and find out what's wrong. Don't prod. Simply showing genuine concern can have a major positive impact on how your employees view you.</p> <p>Above all, be honest, sincere, and understanding of what your employees do. Learn more about their work, their troubles, their lives, and their hopes for the future. Even if you cannot solve their immediate problems, understanding them will make your staff feel so much better having you as their boss.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/this-one-skill-can-make-you-a-better-boss">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-tips-for-better-workplace-body-language">7 Tips for Better Workplace Body Language</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-free-ways-to-impress-your-boss">10 Free Ways to Impress Your Boss</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-signs-youre-working-for-an-impossible-boss">7 Signs You&#039;re Working for an Impossible Boss</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-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-warning-signs-that-it-is-not-the-job-for-you">6 Warning Signs that It Is Not the Job for You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building body language bosses empathy employees getting to know jobs listening managers understanding work Mon, 22 May 2017 09:00:10 +0000 Paul Michael 1950128 at http://www.wisebread.com 6 Reasons It's Never Too Late for a Career Change http://www.wisebread.com/6-reasons-its-never-too-late-for-a-career-change <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-reasons-its-never-too-late-for-a-career-change" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-509227828.jpg" alt="Woman learning it&#039;s never too late for a career change" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Life's too short to spend your workday being unhappy. If you're dreading going into the office, it's time to grab your career by the horns and switch things up. It's never too late &mdash; and here's why. (See also: <a href="http://www.wisebread.com/8-signs-you-should-quit-your-job?ref=seealso" target="_blank">8 Signs You Should Quit Your Job</a>)</p> <h2>1. You shouldn't wake up every morning dreading the workday</h2> <p>I've been my own boss for the past nine years, ditching the nine-to-five grind shortly after moving to Manhattan in 2008. I didn't like working a thankless job every day while I made somebody else better off than myself. I chose a harder road &mdash; it's not easy paying your bills on time when you're responsible for your own income &mdash; but it's provided me a freedom that has facilitated an overall happiness in my life.</p> <h2>2. Your skills may be transferable (or you can learn new ones)</h2> <p>Many people are afraid they're not qualified for a career change, but unless you have a very specific job with specific qualifications, chances are your skills are transferable. But even if what you want to do requires a particular skill that you're lacking, you still may be able to find educational resources to help you learn. (See also: <a href="http://www.wisebread.com/how-to-make-a-major-career-switch-without-going-back-to-school?ref=seealso" target="_blank">How to Make a Major Career Switch Without Going Back to School</a>)</p> <h2>3. You're never too old to start something new</h2> <p>I might sound like one of those motivational posters here, but you're only limited to what you limit yourself to. Perhaps you're hesitant to apply for a certain job because you think you're too old. But it's important to ask yourself first &mdash; too old for what, for whom?</p> <p>You'll never know what the outcome of a situation will be unless you throw yourself into it. You have to apply to a job to know whether or not you're qualified. Every individual brings his or her unique perspective &mdash; and yours may be the one the company is looking for. Either way, it's worth a shot, and certainly better than sitting at home feeling sorry for yourself.</p> <h2>4. It doesn't matter how many years you've invested in your current company</h2> <p>I hate to break this to you, but, in all likelihood, your company will drop you like a bad habit when it no longer has any use for you. As such, you shouldn't feel obligated to stay with an organization just because you've been there forever and they've been good to you. That's great, and you should probably thank them for it, but that doesn't mean you owe them a lifetime of service (especially if you don't have a pension). If you feel like it's time to move on, it's time to move on. Eat the farewell cake, say your goodbyes, and press ahead.</p> <h2>5. You can probably accommodate a change of income</h2> <p>Most of us are looking for upward financial mobility when changing careers, but it's not the end of the world if the job that will make you happy pays a bit less. I'm not encouraging you to send yourself or your family into debt because of it, but if you have the option to downsize your life and reduce your monthly budget to accommodate your new, lower-paying career, by all means do it. Money isn't everything. If you can live just fine with less of it and still wake up with a smile on your face, you're doing something right.</p> <h2>6. Many companies also want to switch things up</h2> <p>The traditional workplace is undergoing massive changes to accommodate modern appetites for flexible hours, less commuting, working from home, and so on. Top candidates take roles at one company for a few years before being offered something more interesting and moving on. Companies no longer expect lifelong service in the way they used to, and these changing attitudes have paved the way for businesses in general to be more flexible in the way they attract talent.</p> <p>All of this means that now, more than ever, it's easier to take the plunge and try a new career.</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/6-reasons-its-never-too-late-for-a-career-change">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/the-4-jobs-people-quit-the-most">The 4 Jobs People Quit the Most</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/why-nows-the-right-time-to-jumpstart-your-career">Why Now&#039;s the Right Time to Jumpstart Your Career</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-signs-you-should-quit-your-job">8 Signs You Should Quit Your Job</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/protect-future-earnings-by-negotiating-the-right-starting-salary">Protect Future Earnings by Negotiating the Right Starting Salary</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-transition-to-a-new-career-after-30">6 Ways to Transition to a New Career After 30</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income career changes happiness income jobs never too old quitting resigning skills working Thu, 27 Apr 2017 20:00:10 +0000 Mikey Rox 1934993 at http://www.wisebread.com 6 Ways to Earn More Money — Without Working More Hours http://www.wisebread.com/6-ways-to-earn-more-money-without-working-more-hours <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-earn-more-money-without-working-more-hours" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-491697654.jpg" alt="Woman learning ways to earn more money without working more" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>If you're tired of a job that doesn't pay enough, it may be time for a change. The good news is, that doesn't necessarily mean you have to work endless hours. Here's how to flip your work-to-earnings ratio.</p> <h2>1. Take less desirable shifts</h2> <p>Some jobs offer financial incentives either for working overtime or for working undesirable shifts, such as overnights, or during weekends or holidays. Shift differentials are particularly common in manufacturing, customer service, information technology, and health care. Sometimes you can earn time-and-a-half (1.5x your base pay) for signing up for these shifts.</p> <p>You'll be doing the same work as always, but earning something extra for your trouble. Conversely, if you're looking to work fewer hours in the future, some jobs will allow you to bank the overtime hours you put in. Ask your boss about these options.</p> <h2>2. Set up passive revenue streams</h2> <p>For those who have online content businesses, setting up a passive revenue stream is an excellent way to earn more without putting in endless work hours. A passive revenue stream will require some setup work, but then it has the potential to continue earning for you without continued maintenance. (See also: <a href="http://www.wisebread.com/15-ways-to-make-money-outside-your-day-job?ref=seealso" target="_blank">15 Ways to Make Money Outside Your Day Job</a>)</p> <p>For example, you may have a blog that's gained a nice following. You can <a href="http://www.wisebread.com/can-you-really-make-money-by-starting-a-blog?ref=internal" target="_blank">earn money on the blog</a> by selling advertising or creating links for affiliate marketing, which can easily be set up with online retailers such as Amazon. <a href="http://patflynn.com/" target="_blank">Pat Flynn</a> is at the forefront of this movement. His model mostly involves creating websites with valuable content, such as a niche e-books, podcasts, or online training courses.</p> <p>The key to earning money is generating traffic, which is why it's critical to select the right content niche using keyword research. Once you've created the content, you'll need to market it to your audience via social media or email lists.</p> <p>If you've got a popular YouTube channel, it can also generate a passive revenue stream. It usually takes a while to grow an audience and have your videos rank well, but if you turn on monetization (meaning, you allow YouTube to show ads on your videos), you could start earning a nice side income from your most viewed videos. (See also: <a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you?ref=seealso" target="_blank">5 Social Media Stars Who Earn Way More Than You</a>)</p> <h2>3. Get paid to do what you love</h2> <p>It doesn't feel like work if you love doing it, right? You might not even call it work.</p> <p>If you love to make jewelry, pottery, sew, knit, or do other kinds of crafts, you can sell your wares on websites such as eBay or Etsy, or face-to-face at craft fairs. Gardeners can make money by opening a booth at a local farmers market. (See also: <a href="http://www.wisebread.com/the-5-best-sites-to-sell-your-arts-and-crafts?ref=seealso" target="_blank">5 Best Sites to Sell Your Arts and Crafts</a>)</p> <p>A friend of mine who is an amazing photographer recently started selling calendars to friends and family with some of her most beautiful prints. She earns $20 of profit on every calendar that she sells, and she hasn't had to invest much extra time to get the calendars made. She gets her customers through word-of-mouth referrals and social media. You may be pleasantly surprised how much reach you can have with social media marketing.</p> <p>The same is true if you have a particular skill that is in demand. You can start your own consulting business, either online or in-person, and start charging clients to do what you love. (See also: <a href="http://www.wisebread.com/5-ways-to-make-more-money-in-under-10-hours-a-week?ref=seealso" target="_blank">5 Ways to Make More Money in Under 10 Hours a Week</a>)</p> <h2>4. Earn money for the driving you already do</h2> <p>If you have a car and spend a lot of time commuting to work or school, or driving around for other purposes, companies will pay you to use your car for advertising space. It might sound tacky at first, but chances are you can think of a good use for the extra $100 a month that you stand to earn, without any extra cost to you.</p> <p>If you're earning a bit of extra cash by driving, you may not have to pick up that extra overtime shift or work through holidays. Opt for reliable companies such as <a href="http://www.carvertise.com/" target="_blank">Carvertise</a> and, as always, be aware of potential scams. (See also: <a href="http://www.wisebread.com/7-ways-to-earn-extra-money-with-your-car?ref=seealso" target="_blank">7 Ways to Earn Extra Money With Your Car</a>)</p> <h2>5. Rent your space</h2> <p>By now, Airbnb is a household name, but there are <a href="http://www.wisebread.com/10-vacation-rental-alternatives-to-airbnb?ref=internal" target="_blank">other short-term rental platforms</a>, too. You can use these platforms to earn a bit of extra cash if you have a spare room, a second home, or other type of property. Airbnb includes free rental insurance for hosts and, depending on where you live and how often you rent your property, you can earn $1,000 a month and up.</p> <p>If you love it, you might consider investing in a property just for renting out through Airbnb. If you get the right deal on the right property, you could earn a lot more than leasing the place out. But be sure to check your local laws. Some municipalities restrict short-term rentals because they tend to drive up rent for local residents. (See also: <a href="http://www.wisebread.com/this-is-how-you-rent-your-place-on-airbnb-and-succeed?ref=seealso" target="_blank">This Is How You Rent Your Place on Airbnb</a>)</p> <h2>6. Renegotiate your contract</h2> <p>If you're feeling in a rut with your job or you're ready to start a new contract, there are some unconventional work agreements that may help you to make more money. For instance, a friend of mine who works in marketing recently negotiated a new contract that allows her to work at the office about 20 hours a week. Outside of that, she's free to decide how much she wants to work, and she can do it from home.</p> <p>She will receive a lower base salary per month than she did through her old full-time arrangement, but she will earn commissions on the sales that she makes. That makes it a good deal for both her employer and for her. If she works less, she will earn less, but she has the flexibility to decide. She also has the option to use some of her time outside the office to take up one of the other jobs listed above.</p> <p>Of course, you can also go the traditional route and <a href="http://www.wisebread.com/5-things-to-say-to-your-boss-to-get-a-promotion-or-raise?ref=internal" target="_blank">ask for a raise</a> if you've been in the same position for about a year and you have compelling evidence to support your request. (See also: <a href="http://www.wisebread.com/5-times-you-should-demand-a-raise?ref=seealso" target="_blank">5 Times You Should Demand a Raise</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-gokee">Amanda Gokee</a> of <a href="http://www.wisebread.com/6-ways-to-earn-more-money-without-working-more-hours">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/5-costly-pitfalls-of-hosting-on-airbnb">5 Costly Pitfalls of Hosting on Airbnb</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-easy-ways-retirees-can-earn-extra-income">9 Easy Ways Retirees Can Earn Extra Income</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-downsides-to-a-bigger-paycheck">5 Downsides to a Bigger Paycheck</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/protect-future-earnings-by-negotiating-the-right-starting-salary">Protect Future Earnings by Negotiating the Right Starting Salary</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Extra Income AirBnb extra hours flexibility jobs making more money negotiating part time pay raise side gigs Tue, 11 Apr 2017 08:30:14 +0000 Amanda Gokee 1925375 at http://www.wisebread.com 9 Career Tips Your Younger Self Would Give You http://www.wisebread.com/9-career-tips-your-younger-self-would-give-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-career-tips-your-younger-self-would-give-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-596344056.jpg" alt="Hearing career advice your younger self would give you" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Hindsight is 20/20, so there may be a lot you wish you could say to your younger self. However, your younger self may also have some great advice to help you with your career today. Below are some of the top job tips that past you might offer. (See also: <a href="http://www.wisebread.com/7-career-tips-you-wish-you-could-give-your-younger-self?ref=seealso" target="_blank">7 Career Tips You Wish You Could Give Your Younger Self</a>)</p> <h2>1. Don't settle</h2> <p>We all sometimes settle with work and personal matters, but your younger self wouldn't accept so many compromises. If you're long overdue for a promotion, stuck feeling taken advantage of, or simply miserable at your place of work, figure out what you want and what you deserve, and set out to achieve it. You should be happy with where you are in your professional life, not just mindlessly coasting through.</p> <h2>2. Be more aggressive and proactive</h2> <p>Your younger self would want you to stand up for your convictions, be aggressive in your desires, and be proactive about getting what you want. A good place to start is <a href="http://www.wisebread.com/5-times-you-should-demand-a-raise?ref=internal" target="_blank">asking for a raise</a>.</p> <h2>3. Follow your passion</h2> <p>As we get older, we sometimes feel compelled to put aside our interests and passions while we address the responsibilities and demands of adulthood. But if we put them aside for too long, we lose ourselves in day to day duties and forget about the things that really drive and excite us. Is this the job or career you really want? Are there classes you can take or communities you can join to pursue your passion? Don't leave it on your back burner any longer.</p> <h2>4. Don't waste time at a job you hate</h2> <p>Your younger self was eager to set out on the career path. You had fire, passion, and determination to succeed in your field. Younger you would have never tolerated riding it out in a job you couldn't stand just for the sake of a paycheck &mdash; so why would you do that now? If you dread work every day, stop wasting your time hating on a soul-sucking job, and start focusing your energy on finding a new one. (See also: <a href="http://www.wisebread.com/8-signs-you-should-quit-your-job?ref=seealso" target="_blank">8 Signs You Should Quit Your Job</a>)</p> <h2>5. Don't let money cloud your judgment</h2> <p>You undoubtedly made a lot less money in your younger days, but you likely were okay with making minimum wage back then. As we make more money, lifestyle creep can cloud our assessment of what we need versus what we want. This might cause us to make decisions that keep us unhappy. Take stock of what you have, what you really need, and what you really want out of life.</p> <h2>6. Leave your work at the office</h2> <p>During the earlier days of summer and college jobs, you didn't bring your work home with you. Now, it can be difficult to draw the line between home and work, especially with your smartphone delivering emails and easy access to documents via the cloud. Your younger self would remind you to enjoy your personal time at home, and devote your entire self to work while you're at the office.</p> <h2>7. Take advantage of the weekend</h2> <p>Your younger self probably spent weekends hanging out with friends, relaxing at home, and spending quality time to just recharge and enjoy life. Don't lose sight of that! Weekends exist for a reason &mdash; you aren't a machine. Spend your days off doing something fun instead of worrying about work or fulfilling obligations. Clear your head with a relaxing road trip, take up a new hobby (maybe even <a href="http://www.wisebread.com/10-awesome-money-making-hobbies?ref=internal" target="_blank">one that will pay off</a>!), or just sleep in. The weekend is your time to unwind; honor it.</p> <h2>8. Seek out other opportunities</h2> <p>Let's admit it: Some of us lose motivation as we get older. We settle into routines, and never bother to see what good things could be waiting just around the corner. Your younger self jumped at new opportunities, and even sought them out. Put forth the effort to learn a new skill, network with other pros, and even <a href="http://www.wisebread.com/8-freelance-gigs-anyone-can-do-to-make-extra-money?ref=internal" target="_blank">take up a side gig</a>. In addition to furthering your career, you could make some extra money, too!</p> <h2>9. Don't fear change</h2> <p>Your younger self didn't fear change. Starting over with a new job, even if it means leaving your old comfortable one behind, can be scary &mdash; but your younger self would have made that leap in an instant to better your life. Or maybe you turned down your dream gig because it required a move to a different city or state. Would your younger self have shunned such a change? Yes, any major change, especially a professional one, can be nerve-wracking. And, these decisions do admittedly get tougher as we get older and put down roots. But never be afraid to try &mdash; you could end up missing out on something great.</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/9-career-tips-your-younger-self-would-give-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-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-stay-motivated-on-the-job">6 Ways to Stay Motivated on the 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/6-pearls-of-career-wisdom-from-brian-tracy">6 Pearls of Career Wisdom From Brian Tracy</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-deal-when-youre-way-behind-at-work">6 Ways to Deal When You&#039;re Way Behind at Work</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/7-signs-youre-working-for-an-impossible-boss">7 Signs You&#039;re Working for an Impossible Boss</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-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Productivity advice being proactive career tips jobs motivation procrastinating work younger self Wed, 29 Mar 2017 09:00:12 +0000 Andrea Cannon 1914690 at http://www.wisebread.com 8 Common Myths About Starting a Small Business http://www.wisebread.com/8-common-myths-about-starting-a-small-business <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-common-myths-about-starting-a-small-business" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_designer_tablet_496600060.jpg" alt="Woman learning financial myths about working for herself" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In the &quot;dot com&quot; era of the 1990s, I started a couple of technology companies and ended up running my own profitable small business for five years. Starting your own business and working for yourself sounds great &mdash; and it can be! But it seems like many people who dream of starting their own business don't understand some of the hard realities that go along with this undertaking. Don't buy into these myths about working for yourself.</p> <h2>1. You Have No Boss</h2> <p>A big reason some people want to start their own business is so they can be their own boss. But even if you own a business, you still have a &quot;boss.&quot; Your customers, investors, and employees are now your boss. The bottom line is your boss, too. Instead of answering to one boss, you now need to answer to many.</p> <h2>2. You Can Work Fewer Hours</h2> <p>While you can set your own schedule as a business owner, you will likely end up working a lot of hours overall to get everything done. In my startup days, I knew entrepreneurs who worked 100 hours per week, including lots of late nights and weekends. Starting a business is generally not a way to gain more free time.</p> <h2>3. Your Minions Will Take Care of the Details</h2> <p>The reality is that most small business owners wear a lot of hats and handle matters big and small to keep the business going, including things no one else wants to do. As the owner, you will get to work on lofty tasks such as business planning and strategy, but you will likely also clean the bathroom at first.</p> <h2>4. If You Build a Better Mousetrap, the World Will Beat a Path to Your Door</h2> <p>A common entrepreneurial myth is that you can invent something great and then sit back and watch people buy it. The reality is that you need to produce the right product at the right time for the right price in the right market channel to be able to watch people buy it. Even if you have an awesome product idea, it takes enormous work and resources to produce your product and bring it to market.</p> <h2>5. You Have More Control Over Your Income</h2> <p>As a business owner, I seemed to have little or no control over my income. I worked hard all the time trying to bring in income and win new business. Sometimes there was a lot of income, but sometimes there was none, despite my best efforts. My income ultimately depended on fickle customer decisions and economic forces beyond my control. Income for small business owners can be quite volatile.</p> <h2>6. Investors Will Throw Money at a Great Idea</h2> <p>I was disappointed after my first few pitches to potential investors. I imagined that I could simply summarize the potential market size, present my brilliant product concept, and walk out of the meeting with a briefcase full of money. The reality is that it is hard to find investors willing to risk their money in a startup business venture &mdash; even if you have a great business concept.</p> <h2>7. Determination Can Overcome Any Obstacle</h2> <p>Determination is perhaps the most important attribute you need to start a business, but you also need the right opportunity. Some people throw everything they have into starting a business venture that has almost zero chance of success due to limited market size, faulty assumptions, or other flaws. Persistence can get you started, but a viable opportunity is necessary to build a prosperous business.</p> <h2>8. By Taking Big Risks, You Set Yourself Up for Big Rewards</h2> <p>Another popular myth is that entrepreneurs reach success by trading risk for reward. The reality is that most entrepreneurs trade hard work and a good plan for a modest reward. Successful entrepreneurs reduce and manage risk well in order to avoid quick business failure. Taking big risks should be a last resort, not the primary plan.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/8-common-myths-about-starting-a-small-business">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/10-fundamentals-of-naming-a-small-business">10 Fundamentals of Naming a Small Business</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-fund-your-new-business-without-borrowing-a-dime">4 Ways to Fund Your New Business Without Borrowing a Dime</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-moves-every-first-year-freelancer-should-make">6 Moves Every First Year Freelancer Should Make</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/self-employed-heres-how-to-get-your-apartment-application-approved">Self-Employed? Here&#039;s How to Get Your Apartment Application Approved</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-the-self-employed-can-cut-health-care-costs">How the Self Employed Can Cut Health Care Costs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship investors jobs myths self employment small business owners startups work for yourself Thu, 02 Feb 2017 11:00:09 +0000 Dr Penny Pincher 1876848 at http://www.wisebread.com 8 Money Moments That Should Be On Everyone's Bucket List http://www.wisebread.com/8-money-moments-that-should-be-on-everyones-bucket-list <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-money-moments-that-should-be-on-everyones-bucket-list" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/money_happy_woman_161954601.jpg" alt="Woman celebrating money moments on her bucket list" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The big house. The fancy car. The 'round-the-world vacation. When you think of a bucket list, and mention money, it's easy to start daydreaming about things that cost a fortune.</p> <p>However, you don't have to have your head in the clouds to achieve a bucket list of money moments. Here are eight of the big ones. Many of them are already within your reach.</p> <h2>1. Becoming Debt Free</h2> <p>Let's start with the most obvious money moment we should all be striving for &mdash; <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal">eliminating our debt</a>. It's certainly not easy, and it's not something that can be done quickly. This requires careful planning, a lot of willpower, and the willingness to forgo the little luxuries we all like to have in our daily lives. But, it can be done.</p> <p>One way to do this is by <a href="http://www.wisebread.com/a-comprehensive-guide-to-the-debt-snowball-method-0" target="_blank">snowballing your debt</a>. You take the smallest debt you have, perhaps a store card or a loan, and you figure out a way to pay as much off that balance as you can each month. While you're doing this, you pay the minimum on your other debts. When that small debt has been paid off, you apply that to the next debt on your list, and just keep going. Eventually, you'll have everything paid off, including the car and the mortgage. What does &quot;eventually&quot; actually mean? It might be a few years, but if you stick to it, you'll achieve your goal.&nbsp;</p> <h2>2. Putting Work That You Love Ahead of Salary</h2> <p>All too often, we do work that doesn't really fulfill us, but gives us the money to pay the bills, save for a college fund, and go away on vacation every year. However, as we spend most of our lives working, it makes sense that the job should be one that really brings us happiness.</p> <p>By&nbsp;following some of the advice mentioned earlier, it is possible to put salary and benefits second to job satisfaction. And when you don't need the money, the job market looks very different. Suddenly, your options are wide open. If you love working with animals, you can leave the rat race to care for dogs and cats. If you love working with children, or the elderly, you can find careers in those fields. They don't pay as much, but the rewards to your soul are much greater.</p> <h2>3. Building a Solid Emergency Fund</h2> <p>Some 50 years ago, you could start a job at a company in your youth, and with hard work and dedication, retire from that same company 40 years later. That time has passed. These days, corporations are constantly looking for ways to cut costs and give greater value to their shareholders. That means mergers, streamlining, and of course, layoffs.</p> <p>When the worst happens (and it will probably happen more than once in your lifetime), you need to be adequately prepared. Experts say your emergency fund should have three to six months' living expenses in it. Some say more, especially when the economy tanks and jobs are scarce.</p> <p>How do you do that, especially when you're trying to pay down debt? You need to first set a target &mdash; how much will be in the fund? Then, you need to take advantage of great interest rates, low or no-fee accounts, and apps like <a href="https://www.acorns.com/" target="_blank">Acorns</a> that invest the change from every transaction. Put a dedicated amount to one side each month, and stick to it. If that means no eating out, or no trips to the cinema, so be it. Once your fund is established, you can loosen the reins a little.</p> <h2>4. Creating a Last Will and Testament</h2> <p>Very few people like the idea of creating a will. The whole idea of planning for a life that does not have you in it is morbid to say the least. But, it's essential, especially if you have family and have specific ideas about who gets your possessions.</p> <p>With a will, you can ensure that your last wishes are met. You can name an executor, who will take on the task of wrapping up your affairs. You can be very specific about who gets what, and how it is all divided. You can name a guardian for your children and pets, and a property manager. This is all very important. If you do die without a will in place, it can lead to a lot of infighting and malice. And in some cases, it can split families apart. The state will decide how to distribute your belongings, and it will not be done with the delicacy or care that you would like.</p> <h2>5. Earning Passive Income</h2> <p>Passive income is a way to earn money using little-to-no effort, usually from a business or venture you have set up yourself. Examples of passive income include earnings from rental properties, royalties from intellectual property (books, songs, software, etc.), investment portfolios, renting out tools and equipment, and even interest from lottery winnings. The latter is not something you have much control over, but everything else is achievable.</p> <p>Look for ideas on ways to <a href="http://www.wisebread.com/15-ways-to-make-money-outside-your-day-job" target="_blank">make lucrative money on the side</a> without the need for a lot of regular work. It may take some serious elbow grease on the front end, but once that's established, you can sit back and watch the money come rolling in.</p> <h2>6. Buying Something Big With Cold, Hard Cash</h2> <p>This one is certainly not as important as the money moments preceding it, but it's worth aiming for. When you can buy something big (a car, a house, a boat, an RV) with cash, you have so much more power to negotiate. And you will save a staggering amount of money because you are not paying compound interest.</p> <p>Let's look at a home. Cash buyers usually get a discount, and even if it's only 3%, that can mean $6,000 on a $200,000 home. So let's say the cash price is $194,000, versus the $200,000 mortgage price, and the mortgage buyer puts down 10%. Over 30 years at 4%, that $180,000 loan has become around $310,000! By paying cash up front, you are literally saving the cost of another smaller home. It's not easy, but once you pay off your debts, you can quickly accumulate income. With some savvy investing, you could one day feel the satisfaction of saying &quot;And how much if I pay cash&hellip; right now?&quot;</p> <h2>7. Negotiating a Higher Salary&nbsp;</h2> <p>Some people work hard, put in the hours, and accept the 3% raise they get each year, which&nbsp;barely covers the rising cost of living. Other people grab life by the throat, and get a bump in pay simply by asking for it. Before you do it, you'll need some good data on your side.</p> <p>First, look at the position you are in on Salary.com and Glassdoor. What are people being paid at other companies in your area? Are you earning a competitive salary, or are you underpaid? (If you're overpaid, you may want to hold off on asking for even more&hellip;that could backfire).</p> <p>Next, assemble all the reasons that you believe you are owed more money. Did you save the company a lot of money? Did you bring in new accounts? Did you work 70-hour weeks all year long? Just like buying a car, you want to do your homework. Then, call a meeting with the boss, and lay it all on the line, politely but assertively.</p> <h2>8. No Longer Living Paycheck to Paycheck&nbsp;</h2> <p>The number of people living paycheck-to-paycheck in America may surprise you. It's not one in four, or even half of us. No. Three out of every four Americans are <a href="http://money.cnn.com/2013/06/24/pf/emergency-savings/index.html" target="_blank">struggling to make ends meet</a>.</p> <p>For many, it's a case of not being paid enough, or having crippling debt repayments. For others, it's more about bad budgeting and excessive spending. Whatever the reason, you should have a plan to get beyond living paycheck to paycheck. Have a big enough cushion in the bank to make life more comfortable. And, cut out the expenses that are dragging you down. With dedication, you could be&nbsp;one of those people who&nbsp;doesn't&nbsp;count the days to the next check going in the bank.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/8-money-moments-that-should-be-on-everyones-bucket-list">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/dont-start-a-family-before-reaching-these-5-money-goals">Don&#039;t Start a Family Before Reaching These 5 Money Goals</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-critical-money-mistakes-people-make-in-their-40s">7 Critical Money Mistakes People Make in Their 40s</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-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</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-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</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/13-financial-gifts-to-give-yourself-this-holiday-season">13 Financial Gifts to Give Yourself This Holiday Season</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance bucket lists cash debt free emergency funds estate planning goals jobs passive income salary saving money Mon, 02 Jan 2017 10:00:07 +0000 Paul Michael 1865345 at http://www.wisebread.com 7 Ways to Make Money During a Semester Abroad http://www.wisebread.com/7-ways-to-make-money-during-a-semester-abroad <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-make-money-during-a-semester-abroad" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/student_study_abroad_547198588.jpg" alt="Students making money while studying abroad" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Studying abroad offers college students the chance to explore the world, learn more about different cultures, and meet people from a variety of backgrounds. But studying abroad can be expensive. The average <a href="http://www.foxbusiness.com/features/2013/06/14/thinking-studying-abroad-it-not-all-about-cost.html">cost for a semester abroad</a> was $17,785 during the 2012&ndash;2013 school year, and costs have no doubt increased since then.</p> <p>So how can a college student on a budget afford to study abroad and enjoy all of the food, travel, and experiences available to them?</p> <p>Thankfully, there are plenty of working opportunities available to American students studying abroad.</p> <h2>1. Teaching English</h2> <p>American students studying in a country where English is not the official language have a built-in job opportunity. There is demand for native speaking English teachers all over the world, and the average college student is in a great position to take a part-time job teaching English as a foreign language. You can pursue this informally by chatting with your local classmates or professors at the university to find one-on-one students, or you can pursue more traditional teaching positions through your study abroad program or your university.</p> <p>This option is especially beneficial to any students who hope to have a career in education. My experience volunteering at a French primary school when I studied abroad was a big factor in my favor when I went to graduate school for a Master's degree in education.</p> <h2>2. Translation Work</h2> <p>If you are relatively fluent in your host country's official language, working as a translator can be a great way to make money and practice your foreign language skills. Typically, translators will translate into their native tongue, which means you can offer successful translation services even if you are not completely fluent in your adopted language.</p> <p>For many students, simply posting some fliers around campus offering your translation services can net you plenty of clients.</p> <h2>3. On-Campus Jobs</h2> <p>Just like American universities, many international schools offer work-study jobs for students, including those who are visiting from other countries. Stop by the work-study office at your university, or ask some of your local classmates if they know of opportunities for on-campus jobs.</p> <h2>4. Guiding Tours</h2> <p>No matter where you are studying, it's likely that it is a destination for English-speaking tourists. Contact local tourism boards to find out if there is a need for English-speaking tour guides. This will give you an excellent way to learn the intricacies of your adopted home while earning a little cash.</p> <p>You can also rely on your other expertise to land a tour guide job. For instance, an art history major might find a job as a docent in a museum, while a future architect might be able to get a job leading groups on tours of architecturally significant buildings.</p> <h2>5. Bartending or Working in a Coffee Shop</h2> <p>For students who wish to completely immerse themselves in their new home, working as a bartender or a barista in a cafe can be an excellent way to earn money while also meeting a variety of people and practicing your language or cultural skills.</p> <p>To land a serving job, stroll through the popular areas of town and chat with managers of bars, restaurants, and coffee shops. Bring your resume and evidence that your visa allows you to work legally.</p> <h2>6. Work at a Tourist Hostel</h2> <p>Hostels are an inexpensive place for tourists to stay, and they can be an excellent workplace for a visiting student. Like hotels, hostels are open round-the-clock, and so they need workers for every shift. If you are fluent in a common language (including English!), the hostel's management might need you to work at the front desk. Hostels have guests from all over the world, and a front desk attendant who can speak multiple languages is a boon.</p> <p>In addition to front desk work, you might also take a job in housekeeping or the kitchen. While the work may not be glamorous, it will offer you an opportunity to earn money and learn more about your adopted country.</p> <h2>7. Write for Travel Sites</h2> <p>You're probably already keeping a journal or diary of your time abroad &mdash; why not get paid for it? There are a number of travel sites and other publications that are always looking for well-written pieces on travel destinations. And don't assume that your writing will only find a home in a travel-specific website. There are often <a href="https://thewritelife.com/31-travel-magazines-and-websites-that-pay-freelance-writers/">regional publications or other sites</a> that would welcome your work.</p> <p>In addition, you could also start your own blog. No one is claiming that blogging is a quick way to make big bucks, but a student living abroad has plenty of stories to write about, and it's easy to place ads on your blog. Blogspot, WordPress, and Tumblr are all places you can easily start a blog that you can monetize. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging?ref=seealso">5 Easy Ways to Make Extra Money Blogging</a>)</p> <h2>Considerations for Student Workers Studying Abroad</h2> <p>It's not enough to just land your job while you're studying. You also need to be aware of the financial and logistical concerns of your work.</p> <p>In particular, make sure you have a visa that will allow you to work, even if you are working for cash. Also, remember that the currency exchange rate can affect just how far your money will go, especially if you are earning American money (as a blogger or freelancer might). Make sure you know how the conversion rate will affect your spending power, and know the costs of exchanging money when you withdraw money locally from your American bank.</p> <p>Finally, there is some good news for any student working for a foreign employer: You will owe no U.S. taxes on anything you earn <a href="https://www.irs.gov/publications/p54/ch04.html">under $101,300</a> as of 2016. You still have to pay local taxes on your wages, but Uncle Sam will let you keep all that is left.</p> <h2>Working and Studying Abroad</h2> <p>In general, the most valuable experiences you will have during your time abroad will happen outside of the classroom. Finding a way to earn money while you study is not only a savvy financial move, but it will also add depth and richness to your time in another country.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/7-ways-to-make-money-during-a-semester-abroad">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/how-to-earn-1000-a-month-or-more-as-an-online-tutor">How to Earn $1,000 a Month or More as an Online Tutor</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-moves-every-new-college-student-should-make">7 Money Moves Every New College Student Should Make</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-reasons-building-credit-in-college-helps-you-win-at-life">5 Reasons Building Credit in College Helps You Win at Life</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-17-companies-will-help-you-repay-your-student-loan">These 17 Companies Will Help You Repay Your Student Loan</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-students-can-travel-abroad-for-less">7 Ways Students Can Travel Abroad for Less</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Extra Income college English international travel jobs language skills side jobs students study abroad teaching tourism writing Wed, 28 Dec 2016 10:30:23 +0000 Emily Guy Birken 1863677 at http://www.wisebread.com 7 Financial Reasons 2016 Needs to Be Over ASAP http://www.wisebread.com/7-financial-reasons-2016-needs-to-be-over-asap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-financial-reasons-2016-needs-to-be-over-asap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2016_money_78468345.jpg" alt="Why 2016 needs to be over ASAP" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The year is winding down, and for many of us, it can't end soon enough. From a financial standpoint, 2016 was a mixed bag, at best. Of course, there's no guarantee that next year will be markedly better. But here are a bunch of financial reasons why we're ready to put up a new calendar.</p> <h2>1. Poor Economic Growth</h2> <p>For most of the time after World War II, Americans could count on a growing economy, usually to the tune of at least 3%, and often significantly higher. These days, the gross domestic product (GDP) of the United States is stuck on a slower growth path. While the economy did have a good third quarter, it's likely that growth for the year will be under 3% because of a dismal first half of the year. It's better than being in a recession, but this slower growth could have big implications on incomes, investment returns, and Americans' overall quality of life over time.</p> <h2>2. Mediocre Investment Returns</h2> <p>So far in 2016, the S&amp;P 500 has increased in value by a little over 7%. That's not bad, but many investors were hoping for a bigger jump after an increase of less than 2% in 2015. In the post World War II period, there have been only about a dozen instances when investment returns didn't average at least 5% annually over a two-year period. This will be the eighth consecutive year of positive market returns, and that's a good thing. But the last couple of years have fallen into the &quot;good, not great&quot; category, and that may force a lot of people to adjust their overall retirement projections downward.</p> <h2>3. Fewer People Working</h2> <p>America's unemployment rate is 4.9%, and that's historically quite low. So good news, right? Well, any excitement over that number is tempered by the fact that overall participation in the labor force is at one of its lowest points in the last 50 years. About 63 million people are considered part of the civilian workforce, but that's down from 67 million 15 years ago. The unemployment rate does not consider people who have voluntarily left the workforce or have been out of work for a very long time.</p> <p>There are a variety of reasons why fewer Americans are working, and not all of them are bad. An aging population means more people are retiring. More people are pursuing advanced education. The Affordable Care Act has made it easier for some people to get health insurance without the need to get it through an employer. People who choose to be out of the workforce for too long may lose skills that will make them more employable later. And a declining workforce also has a negative impact on household incomes, consumer spending, and, ultimately, economic growth.</p> <h2>4. Paltry Interest Returns</h2> <p>We've been in an ultralow interest environment for years now. Many of us have benefitted from the low cost of borrowing, but this also means that our savings accounts aren't generating much return. This is bad for anyone starting out saving and for older retirees who rely on interest income. It's also generally a sign from the Federal Reserve that the economy still needs some propping up. Low interest rates can be helpful to us in some respects, but most economists yearn for a time when rates weren't hovering near zero.</p> <h2>5. Flat Wages</h2> <p>Did you get a raise in 2016? If not, you're probably not alone. Real wage growth has been basically flat for years, and this year has been no exception. The U.S. Department of Labor reports that real average weekly earnings rose just 1% in September compared to the same month a year ago. The average worker earns just 11 cents per hour more than this same time last year, when you factor in inflation. This stubborn wage stagnation has a negative impact on the middle class, especially when you consider things like the rising cost of education. Will 2017 be better?</p> <h2>6. Brexit Reax</h2> <p>The world pretty much freaked out over the summer when people in the United Kingdom voted to have their country leave the European Union. It was a result that many believed could not happen, and sent stock markets around the globe tumbling. The British Pound lost a good chunk of its value, and overall uncertainty of what happens next has led to a drag on the economy and England and Europe as a whole.</p> <h2>7. Fumbling Phone Makers</h2> <p>In recent years, companies that make smartphones and other digital devices have been huge drivers of the stock market and the economy. Apple and Samsung certainly come to mind. But in 2016, it was a lot of bad news and disappointment.</p> <p>Samsung was forced to recall and stop production on its Galaxy Note 7, after reports that the phones were catching fire. This news virtually wiped out all of the company's profits for the third quarter of 2016.</p> <p>Meanwhile, Samsung's top competitor, Apple, hasn't exactly taken advantage. The company sold 45 million of its popular iPhone in the most recent quarter, compared to 48 million in the same period last year. And reviews of the newest iPhone 7 have been tepid. Shares of the company are up about 8% this year, which is solid growth but less than what we've come to expect from the tech behemoth. There is hope for 2017, however, as Apple says it will spend a whopping $16 billion on capital expenditures next year.</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/7-financial-reasons-2016-needs-to-be-over-asap">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/13-money-goals-you-can-still-reach-by-2017">13 Money Goals You Can Still Reach by 2017</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/heres-how-the-election-could-impact-your-wallet">Here&#039;s How the Election Could Impact Your Wallet</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/europe-has-the-euro-are-you-ready-for-the-amero">Europe has the Euro. Are you ready for The Amero?</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-us-government-wants-you-in-debt">The U.S. Government Wants You in Debt</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-escape-the-paycheck-to-paycheck-cycle">How to Escape the Paycheck-to-Paycheck Cycle</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance 2016 2017 Economy employment finances jobs New Year news stock market wages Tue, 08 Nov 2016 09:00:09 +0000 Tim Lemke 1828890 at http://www.wisebread.com 9 Great Jobs for Snowbirds http://www.wisebread.com/9-great-jobs-for-snowbirds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-great-jobs-for-snowbirds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_93221921_LARGE.jpg" alt="great jobs for snowbirds" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Planning to hit the skies this winter and fly south? That's probably not a bad idea, considering that the trusty Farmer's Almanac says Old Man Winter plans to unleash an exceptionally cold and wet one. But between posting photos of palm trees and swimming pools to Facebook so your friends can curse the day you were born, you may need to pick up some work to pay the tab for such luxury. What kind of seasonal gigs can you get <a href="http://www.wisebread.com/6-luxe-travel-destinations-that-are-cheaper-in-winter">this winter</a>? Take a look and start setting yourself up for success today.</p> <h2>1. Telecommute From Your Existing Job</h2> <p>Not everybody has the good fortune of being able to work from home, but if you work for a company that allows telecommuting, or you're an entrepreneur with mobility, take advantage of it. Earlier this year, I left my home in New York to spend a month dodging the cold in sunny, warm Los Angeles. It was just what I needed to recharge my winter-worn body and soul, and I returned home mid-spring excited and reinvigorated.</p> <h2>2. Pick Up Odd Jobs Around Town</h2> <p>There are plenty of ways to pick up odd jobs around the town you're visiting, especially if you're particularly skilled in a certain discipline. On Craigslist, for instance, you can find a decent amount of handyman jobs and other around-the-house work. In college, I used to help elderly folks around their homes, like weeding and planting in their gardens, and it was quite rewarding. If you're not as good with your hands, however, try picking up gigs as a freelancer. There are<a href="https://www.freshbooks.com/blog/freelance-jobs"> more than 70 sites from which to choose</a>, ranging from generic, all-job types to more focused disciplines including: writing, photography, and design.</p> <h2>3. Become a Personal Taxi Service</h2> <p>I started driving for Lyft and Uber a couple months ago &mdash; signing into the apps occasionally when I have the extra time &mdash; and I've made well over $1,000 already. If you've brought your personal vehicle with you to your winter escape, consider this option. It's been a great way for me to make extra cash, but I also enjoy interacting with my riders and learning a little about their lives during the ride.</p> <p><strong>Pro tip</strong>: Offer candy &mdash; I use Starbursts and Dum-Dums &mdash; and small bottles of water to your riders for free. Everyone who gets in my car is instantly happier when they see the candy, and as a result, they leave an excellent review and a tip (the latter of which isn't required on these services) more often than not.</p> <h2>4. Offer to Watch People's Pets</h2> <p>Last winter, I signed up for DogVacay (Rover.com is another <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">pet-sitting site</a> that I can recommend) to make extra cash while I was working from home around the holidays or when it was too cold for me to go to my office. I've met so many awesome pets and pet parents using these services, I've put more than $500 in my bank account, and there's not a whole lot to it. All you have to do is make sure the pet is comfortable while their parent is away with lots of love and snuggles in between food and bathroom breaks. If you're snowbirding in a rental, you should check with the owners before you sign up, but for animal lovers, this is a great gig.</p> <h2>5. Apply for Seasonal Retail Work</h2> <p>Every mall in America needs extra hands on deck during the holiday season &mdash; and if you're a pro at customer service, pop into stores at which you think you'll enjoy working and inquire about opportunities. Don't limit yourself to the mall though. Lots of local businesses and stand-alone chains need additional help through the holidays and sometimes beyond, and you may be able to land a gig super close to home by broadening your search.</p> <h2>6. Wait Tables at a Local Restaurant</h2> <p>Like retailers, restaurants also often require additional staffing during the holidays to accommodate heavier traffic. You may not get prime hours, or even a spot on the floor if you don't have previous restaurant experience, but there may be a place for you behind the scenes or even as a host.</p> <h2>7. Investigate Substitute Teaching</h2> <p>Have a certified teaching certificate? Visit your local school district to identify opportunities that will put you in a classroom for a daily wage. Since requirements for substitute teachers vary from state-to-state, check out this guide on&nbsp;<a href="http://www.teacher.org/career/substitute-teacher/">How to Become a Substitute Teacher</a>.</p> <h2>8. Keep the Peace as a Part-Time Security Guard</h2> <p>Some states that have temperate weather year-round also play host to Major League Baseball training camps, and there are job opportunities at these small stadiums &mdash; like manning the concession stand or providing security. As a baseball fan, I couldn't pass up the chance for seasonal work in the southern states. You can also apply to become a security guard for apartment complexes, malls, or other public areas.</p> <h2>9. Look Into Opportunities at a Local Resort</h2> <p>Chances are, there are several resorts wherever you're heading for the winter, and just about the same time you plan to arrive is when they're in need for additional staff. There are lots of different types of jobs available at these resorts, including: front desk, night auditing, maid services, kitchen work, and more. If you happen to be close to an amusement park, you might even have a chance to walk around greeting guests at a costumed character, making you the hero of all your friends' children and grandchildren back home.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F9-great-jobs-for-snowbirds&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F9%20Great%20Jobs%20for%20Snowbirds.jpg&amp;description=9%20Great%20Jobs%20for%20Snowbirds" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/9%20Great%20Jobs%20for%20Snowbirds.jpg" alt="9 Great Jobs for Snowbirds" 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/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/9-great-jobs-for-snowbirds">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/how-to-get-free-accommodations-and-paid-jobs-on-boats">How to Get Free Accommodations (and Paid Jobs) on Boats</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/5-holiday-gigs-that-are-perfect-for-introverts">5 Holiday Gigs That Are Perfect for Introverts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-live-the-location-independent-lifestyle">How to Live the &quot;Location Independent&quot; Lifestyle</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/11-signs-the-job-is-too-good-to-be-true">11 Signs the Job Is Too Good to Be True</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-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting Lifestyle Travel job search jobs snow snowbirds telecommute winter work-from-home Tue, 18 Oct 2016 10:00:10 +0000 Mikey Rox 1815055 at http://www.wisebread.com Millennial Millionaires: How the Brokest Generation Can Also Become the Richest http://www.wisebread.com/millennial-millionaires-how-the-brokest-generation-can-also-become-the-richest <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/millennial-millionaires-how-the-brokest-generation-can-also-become-the-richest" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_holding_cash_73068135.jpg" alt="Man part of brokest generation becoming the richest" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Recently, Wells Fargo and GfK surveyed 1,005 employed Millennials. The majority (64%) of Millennials polled said that they don't believe they will ever accumulate $1 million during their lifetimes. Furthermore, many also said they had not started saving for retirement and were feeling overwhelmed with student debt.</p> <p>Getting your finances on track in your 20s and after college is hard, but any Millennial can become a millionaire in their lifetime with the right steps.</p> <h2>Start Saving for Retirement</h2> <p>The number one way to become a millionaire in your lifetime is to invest in your retirement early and often. Don't keep putting it off, because youth means you have the power of compound interest on your side. It will take you less effort to save money now than it will take you when you try to play catch up 10 or more years later.</p> <p>Don't even worry if you aren't at your dream position quite yet. Take advantage of your company's 401K contribution match. If your company doesn't offer a retirement fund or you are self-employed, there are still many options for you.</p> <p>See also: <a href="http://www.wisebread.com/which-retirement-account-is-right-for-you?ref=seealso">Which Retirement Account Is Right for You?</a></p> <p>If you are currently saving 0% toward your retirement, then start with 3 percent. Saving 3 percent of your income is quite painless. Increase this percentage frequently until you are contributing 15% of your income to retirement.</p> <p>While this might seem like a daunting task when you are living paycheck to paycheck, it <em>can</em> be done. Having your retirement investments taken out before payday forces you to adjust to living with a smaller budget, and you also get the bonus of a nice tax break.</p> <h2>Shift Your Way of Thinking</h2> <p>If you spend trying to impress others, you will never have a bank account that actually impresses others. Live below your means and be realistic with what you really need.</p> <p>Remember that the way you live right after college is not a forever thing if you are frugal. When you are unmarried and without children, it is easier to share a living space or live on a bare-bones budget to optimize your savings. Live as frugally as possible now so that you can enjoy living when you are in your next season of life.</p> <p>See also: <a href="http://www.wisebread.com/the-frugal-living-commencement-speech-id-give-to-my-younger-self?ref=seealso">The Frugal Living Commencement Speech I'd Give to My Younger Self</a></p> <h2>Tackle Debt From All Angles</h2> <p>In the survey, 34% of Millennials reported an average of $19,978 of debt. Of those with student loan debt, 75% described their debt load as unmanageable. Don't carry your debt with you, allowing it to drag along like a burdensome weight.</p> <p>Instead, find ways to tackle your debt from many different angles. Here are just a few solutions:</p> <ul> <li>Enroll in programs that <a href="http://www.wisebread.com/5-careers-that-offer-student-loan-forgiveness">forgive student loan debt</a>.</li> <li>Start aside business and <a href="http://www.wisebread.com/this-recent-grad-paid-off-34k-in-sudent-loans-and-launched-a-business-in-just-4-years">funnel earnings to debt</a>.</li> <li>Use a&nbsp;<a href="http://www.wisebread.com/8-surprising-ways-to-pay-off-your-student-loans">0% credit card</a> for a part of the debt.</li> <li>Look into<a href="http://www.wisebread.com/what-s-the-difference-between-student-loan-refinancing-and-consolidation">consolidation and refinancing</a>.</li> <li>Earmark every extra dollar to your debt, including birthday money and tax refunds.</li> </ul> <p>The faster you can pay off your debt, the freer you will feel financially.</p> <h2>Earn Experience &mdash; Not Degrees</h2> <p>Degrees are certainly valuable and necessary in many fields, but in some, the pay difference is not that drastic. Instead, focus on growing your experience and career path each year. Take advantage of company-paid training and develop your skills. Then, start planning for more senior, better-compensated roles by asking people in your dream job how they got there. The road to success may not be paved with gold, but there may be a pot of gold at the end of it for those who plan carefully and work intelligently.</p> <p><em>Do you think you will reach a million dollars in your lifetime?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/millennial-millionaires-how-the-brokest-generation-can-also-become-the-richest">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/dont-let-outdated-money-advice-endanger-your-money">Don&#039;t Let Outdated Money Advice Endanger Your Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-financial-resolutions-you-can-conquer-before-new-years">10 Financial Resolutions You Can Conquer Before New Year&#039;s</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/are-you-putting-off-these-9-adult-money-moves">Are You Putting Off These 9 Adult Money Moves?</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/7-money-conversations-parents-should-have-with-their-adult-kids">7 Money Conversations Parents Should Have With Their Adult Kids</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-money-goals-you-should-set-for-the-holidays">10 Money Goals You Should Set for the Holidays</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance debt degrees education jobs millennials millionaires retirement saving money Tue, 06 Sep 2016 10:30:07 +0000 Ashley Eneriz 1785280 at http://www.wisebread.com 18 Cool Jobs for Fashion Lovers http://www.wisebread.com/18-cool-jobs-for-fashion-lovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/18-cool-jobs-for-fashion-lovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_fashion_jewelry_90987693.jpg" alt="Woman finding cool jobs for fashion lovers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When most people think about a career in fashion, they think only of being a designer or a model. Fashion, like any creative industry, is hugely competitive. Luckily, for fashionistas and garmentos, there are many different jobs in fashion to fit a variety of personalities and skill sets.</p> <p>It's important to note that while the glamorous fashion jobs like designing and modeling get all the press, it's only the very top tier of those people who actually make money. It's much easier to make a decent living on the business side of fashion. (See also: <a href="http://www.wisebread.com/6-job-perks-that-can-lead-to-a-dream-career?ref=seealso">6 Job Perks That Can Lead to a Dream Career</a>)</p> <p>Here's a list of fashion jobs that may or may not involve sewing.</p> <h2>1. Buyer</h2> <p>Fashion buyers are responsible for keeping the sales floor stocked with clothes and accessories that will sell. Although it sounds like a fun shopping gig, buying is high-stakes, speculative work. Buyers have to anticipate what customers want before they even know they want it. This means that buyers have to place orders for their winter inventory in the dead heat of summer and hope that the customers, and the weather, will line up in time for Thanksgiving.</p> <p>In addition to deciding which trends will be big three months from now, buyers work with suppliers to translate the high-fashion styles that are shown on the runway into affordable and wearable clothes that can be mass-produced for their customers.</p> <p>While it's true that buyers are <a href="https://en.wikipedia.org/wiki/Coolhunting">professional coolhunters</a>, they are also expert data analysts. The mark of a successful fashion buyer is not objective good taste; it's the sell-through rate of their inventory. Fashion buyers must work with the sales force, study sales records, and maintain a detailed purchase database to make sure that their store or department always has a high percentage of product that will sell at full price.</p> <h2>2. Costume Designer</h2> <p>Costume designers create the personal style of every character and provide a key element to the overall look of films, television shows, plays, and operas. Depending on the budget, time period, and complexity of a project, costume designers might make every article of clothing from scratch, or they might assemble the wardrobe from existing garments they have purchased or rented.</p> <p>To quote Judith Bowden: &quot;The <a href="http://artsalive.ca/collections/costumes/designer_role.php?page=1&amp;lang=en">main job of costume design</a> in a production is to provide physical and emotional support to every actor through the clothing he or she will wear to enhance characterization. The design must provide strong visual support for the story, concept, and context of the play as a whole. It is my role to ensure that the costumes reflect the visual style of the production and help actors portray their characters on their journey through the play's action.&quot;</p> <p>The best costume designers are obsessive researchers of history, and not just the history of fashion. When it comes to characters, clothes really do make the man. Costuming can be storytelling. It can show the audience everything about the external life experience of a character, as well as reveal his secret, interior world.</p> <h2>3. Design Assistant</h2> <p>Design assistants are the worker bees of every <em>atelier</em>. Fashion designers are responsible for the creative vision of a brand, but design assistants can be called upon to be responsible for everything else. This job can include sewing garments, making patterns, fitting models, sourcing fabrics, tracking samples, supervising production workers, going to trade shows, coordinating schedules, and managing the studio.</p> <p>Assisting is not all schlepping. In fact, it's often an important career steppingstone. Immediately after Alexander McQueen's death, Sarah Burton, his longtime assistant, was <a href="http://www.nytimes.com/2014/08/22/t-magazine/alexander-mcqueen-sarah-burton-interview.html?_r=0">named the new creative director</a> of his fashion house.</p> <h2>4. Editorial Assistant</h2> <p>If you've watched <em>The Devil Wears Prada</em>, you've seen the G-rated version of this job. If you're lucky, you will get incredible hands-on experience learning how to produce a fashion magazine from start to finish. But, if the job were easy, everyone would do it. Editorial assistants have to be super organized, enjoy scheduling like it's a hobby, and have the stamina to constantly work long hours to meet deadlines. Also, you have to communicate well in person and on paper, and be a grammar nerd.</p> <h2>5. Fashion Journalist</h2> <p>Fashion journalists are writers who cover the fashion industry. While fashion journalism used to be a super-VIP club of well-connected it-girls, young writers can now break into high-profile magazine and blogging work based entirely on their fresh fashion criticism. If <a href="http://www.thestylerookie.com/">Tavi Gevinson</a> can cover New York Fashion Week as a 12-year-old, what's your excuse?</p> <h2>6. Fashion Publicist</h2> <p>Publicists are responsible for maintaining a brand's image. They build relationships with editors, journalists, influencers, and celebrities to make sure that their client stays in the public eye. To that end, publicists are one part crisis management, one part cruise director. They are the keeper of the guest list for publicity events, the maker of the all-important seating charts for fashion shows, the issuer of news releases, and the procurer of swag bags and gift baskets. More importantly, publicists are tasked with getting their brands the most press for the money. Publicists do this by convincing actors to wear their client's clothes on and off the red carpet, by working with product placement companies to get their brand featured in films and TV shows, and of course introducing their designer to style influencers who will talk up the brand to the public in magazines, blogs, and TV appearances.</p> <h2>7. Fit Model</h2> <p>If you have the right measurements, you can work as a <a href="https://www.businessoffashion.com/articles/intelligence/from-mannequin-to-muse-being-a-fashion-fitting-model">fit model</a>. Fit models are literally human mannequins for clothing manufacturers. Before putting a garment into production, a designer will use a fit model to ensure that the piece will be flattering and wearable by actual humans with similar proportions.</p> <p>Fit models are chosen for their specific measurements, but this doesn't mean that they are just Barbie dolls in the flesh. Designers depend on fit models to tell them if a garment is uncomfortable and to demonstrate how the garment moves on the body.</p> <p>Perk of the job: free clothes. Downside of the job: human pincushion.</p> <h2>8. Hair Stylist</h2> <p>If I could switch lives with one of my friends, I would switch with my friend Eric because he gets to travel constantly for a creative job that he loves. A scion of a hairdressing family, Eric started styling hair professionally as a teenager. He decided early on that he didn't want to cut hair in a salon, and instead, do editorial work exclusively. Foregoing the stability of salon work to hustle for freelance magazine jobs was a risky financial move, but it paid off handily. Eric works with the best photographers, models, and editors on the planet. (If you have seen the Sports Illustrated Swimsuit Issue, then you have seen Eric's work).</p> <p>Hair stylists are part of the creative team who create the mood or storyline in advertisements, fashion shows, and editorial content. Don't believe me? Try and imagine what the Victoria's Secret catalog would look like without the models' sexy hair. You can't. The angels' hair is part of the brand's narrative.</p> <p>Hair stylists who want to work in editorial have to be extremely self-motivated and flexible. It's a freelance job that can require traveling for work at a moment's notice.</p> <h2>9. Makeup Artist</h2> <p>As with hair stylists, fashion and media makeup artists work with designers and editors to create a cohesive look for a brand or story. Although editorial makeup is usually the supporting character to the star clothing, occasionally makeup becomes the featured look of a season or part of a brand's permanent identity. For example, most people will never be able to afford a Chanel jacket, but, for the past two decades, legions of budget fashionistas have paid homage to the fashion house by wearing Chanel's iconic <a href="http://nymag.com/thecut/2015/11/calling-all-chanel-vamp-fans-chanel-vamp-collection.html">Vamp nail polish</a>.</p> <h2>10. Patternmaker</h2> <p>Do you love jigsaw puzzles? Are you a perfectionist? <a href="https://www.fitnyc.edu/ccps/certificate-programs/credit/patternmaking.php">Patternmakers are the magical elves</a> who can take a 2D design concept and translate it into a blueprint for a 3D garment. Patternmakers are a critical part of the production process. The ideal pattern is a clearly drawn document that sewers can easily follow without wasting time or fabric. A poorly drafted pattern can cost a company millions of dollars by not only slowing down the production line and squandering materials, but by being a dud on the sales floor. Mismatched patterns, bad button placement, and gaping pockets are all <a href="http://www.wisebread.com/9-qualities-to-look-for-in-well-made-clothing">problems on finished garments</a> that should have been resolved in the pattern-making process.</p> <h2>11. Production Manager</h2> <p>Production managers are the logisticians of the fashion world. They oversee the physical manufacturing process of textiles and clothing. Production managers work with suppliers and stores to ensure a quality finished product. In addition to being in charge of quality control, they supervise the supply chain and the workflow. It is their job to ensure that the clothes are made on schedule, on budget, and under ethical labor standards.</p> <p>Production management is a high-pressure, technical job within a creative industry. Since production managers are the ones responsible for fixing production issues, they have to be IT troubleshooters, have excellent people skills, and be wizards at budgeting and scheduling.</p> <h2>12. Retail Sales Clerk</h2> <p>Although many people see retail work as a minimum wage, summer job for teen mallrats, retail sales can be a lucrative and fun career. When I worked at Nordstrom, I knew clerks in Men's Suiting who turned down promotions to management positions because it would mean taking a pay cut. In high-end stores, it is possible for a sales associates to make six-figure salaries working on commission. However, the threshold you have to meet to keep those top jobs is high. For example, in the early '90s I had to sell $60,000 in merchandise per month to keep my job in a sought-after department at Nordstrom. While I would argue that high-end retail is one of the best jobs a person can get without a college degree, it's not a job for dummies. Many top shops like Chanel and Prada have language requirements: you have to be bilingual in Spanish, Chinese, Japanese, Arabic, or Russian to be considered employable.</p> <h2>13. Retail Store Manager</h2> <p>If your dream is to one day open your own store, you should learn the ropes on someone else's dime. Managing a store will not only give you on the job training on how to set up and run your own shop, it will also give you an overview of the fashion industry.</p> <p>Great managers will not only be able to tell you what sells and why, they will also be able to tell you how to increase sales. When I worked in active wear, my manager noticed that a lot of our customers were elderly or had mobility issues. They weren't buying tracksuits for working out; they were buying them for comfort. When she rearranged the racks on the sales floor to improve wheelchair access, our sales went up by 10%.</p> <p>Many corporate chains will groom and promote their best managers to executive and buyer jobs within the company, but beware! While this job can be the first step in an amazing business career in fashion, at many companies wage theft is baked into the store manager job description.</p> <h2>14. Street Photographer</h2> <p>Scott Schuman is the Cinderella of fashion photography. Schuman started out on the business side of fashion before accidentally becoming the darling of street fashion. Eleven years after taking his first photography class, Schuman's blog, <a href="http://www.thesartorialist.com/">The Sartorialist</a> is hugely influential, and Schuman has become one of the best-known fashion photographers on the planet.</p> <p>Although his critics love to complain that Schuman was already a fashion insider before he took up photography as a hobby, there are many people who have similar business connections, but not his gimlet eye. Due to the success of first generation street fashion photographers, a blog as a personal portfolio is now a viable way for emerging artists to catch the eye of potential employers.</p> <h2>15. Stylist</h2> <p>Stylists like <a href="http://thezoereport.com/">Rachel Zoe</a> have made their name dressing celebrities for the red carpet, but her job entails so much more than acting as wardrobe guru to the rich and famous. To quote stylist extraordinaire, Sally Lyndley: &quot;Stylists work with creative teams including photographers, design teams, or art directors to create a vision for an image or a brand. At the same time, we also face the <a href="http://fashionista.com/2010/08/sallys-styling-seminary-the-lineage-of-styling">challenge of making the clothes look awesome</a> (regardless of their quality).&quot;</p> <h2>16. Social Media Assistant</h2> <p>The fashion industry has always been linked to images and marketing, so it makes sense that everyone in the fashion industry, from the most established fashion houses to upstart designers, understand that social media is a powerful advertising tool. If you are good at curating photos and charming in 140 characters, the job of social media assistant is a great way to get your foot in the door.</p> <p>Since traditional print campaigns can cost hundreds of thousands of dollars, it used to be easier to overlook brands that lacked the advertising budget. Because social networking platforms have a global reach, it's now possible for even the smallest companies to sell to a huge number of customers. Research shows that if you follow a brand on Instagram, you are 53% more likely to shop with them.</p> <p>Inventive social media campaigns have recently started getting the praise they deserve (and book deals for the social media smarties). For example, it has recently been pointed out by feminist publications like Bustle and Jezebel, that <a href="https://www.instagram.com/mccallpatterncompany/">McCall</a>, your mom's favorite sewing pattern company, is <a href="http://mccallspatternbehavior.tumblr.com/">killing it</a> on social media.</p> <h2>17. Textile Designer</h2> <p>Textile designers create the 2D repeating pattern for fabrics, carpeting, wallpaper, vinyl flooring, upholstery, and pretty much any other textile you can think of. Although this is a creative job, textile design is highly technical. Textile designers have in-depth knowledge about all aspects of the physical production of textiles: types of fibers, weaving looms, dyes, printing methods, and special processes such as stone washing.</p> <p>Although most textile designers work for large textile manufacturers, fashion designers will often employ textile designers to create custom fabrics for their fashion and home lines.</p> <h2>18. Visual Presentation</h2> <p>If you have ever been stopped dead in your tracks by a store window display, you've seen the power of visual merchandising. Great visual presentation is both aspirational and practical. For example, it's easy to see the target customer of Anthropologie through its <a href="https://www.behance.net/gallery/21175615/Anthropologie-Window-Display-Birds-of-a-Feather">store design</a>: affluent, Gen-X women who like to travel. The company isn't just selling clothes and home accessories; it's selling a lifestyle. But even the most <a href="http://tmagazine.blogs.nytimes.com/2010/11/01/tinsel-town-simon-doonans-very-foodie-windows/?_r=0">fantasy-driven store décor</a> must also be super-functional. If the customer can't see herself wearing the product, she won't buy it.</p> <p>Visual presentation is no longer just about store display. Museums, libraries, and other public spaces are now hiring visual merchandisers to design art installations to showcase their collections. This is a great job for creative night owls because all the magic happens when the store is closed. If you don't like burning the midnight glue gun, this job is not for you.</p> <p><em>Do you work in fashion? Please brag about (or complain about) your fabulous job in the comments section. </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. 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