Personal Development http://www.wisebread.com/taxonomy/term/216/all en-US 4 Money Resolutions You Should Skip This Year http://www.wisebread.com/4-money-resolutions-you-should-skip-this-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-money-resolutions-you-should-skip-this-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/buying-new-car-Dollarphotoclub_53578392_0.jpg" alt="couple buying new car" title="couple buying new car" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With 2015 just around the corner, it's time to plan ahead to set yourself up for success in the New Year. (See also: <a href="http://www.wisebread.com/10-money-moves-you-need-to-make-before-the-end-of-the-year?ref=seealso">10 Money Moves You Need to Make Before the End of the Year</a>)</p> <p>However, not all money resolutions are good ones. Some of them might become an obstacle towards your financial wellbeing and, even worse, undo any benefits that you accumulate throughout the year.</p> <p>Let's start the New Year with a bang by avoiding these four bad money resolutions.</p> <h2>1. Buying a Brand New Car</h2> <p>New year, new you. So, by extension &mdash; new year, new car, right? Not so fast.</p> <p>From a purely financial perspective, a new car is always a bad idea because a car loses over 10% of its value in the first year due to depreciation. A car is not an investment because it virtually always loses money due to maintenance, insurance, and registration costs. According to Edmunds.com, a $25,000 new automobile purchase generates an estimated total cost of $33,604.</p> <p>It's true that the average interest rate on a 60-month new car loan is now lower than in the last five years, but that's not the full picture. As more Americans are taking out car loans, the prices of cars are increasing. This means that the <a href="http://www.investopedia.com/articles/personal-finance/031914/americans-are-borrowing-more-buy-cars-should-they-be.asp">average car loan principal is getting larger and larger.</a></p> <p>By purchasing a car that is over a year old, you avoid the 10% depreciation hit and the higher tax and insurance costs. It's a good idea to buy used cars from a dealership that you trust and that offers a comprehensive warranty. Remember that <a href="http://www.consumer.ftc.gov/articles/0055-buying-used-car#warranties">not all automobile warranties are equal</a>.</p> <p>Also, consider buying a car only when you can pay cash for it. Assuming a loan balance of $20,000 and a car loan rate of 5%, you would pay $1,000 in interest in the first year. That money would be better used towards paying down other debts. However, If you are in dire need of a reliable vehicle and need to take out a car loan, then limit your monthly car payment to <a href="http://www.edmunds.com/car-buying/how-to-buy-a-car.html">20% of your monthly income after taxes</a>.</p> <h2>2. Withholding (Too Much) Taxes</h2> <p>Here's the scenario: When you file your taxes at the very last minute in April, you suddenly realize that you owe Uncle Sam a lot more than you expected. You promise yourself this won't ever happen again, so you update your W-4 form with your employer to withhold more than last year. The problem is that now you withhold way more than it's actually necessary. In fact, every year, <a href="http://business.time.com/2013/03/18/why-were-so-irrational-when-it-comes-to-tax-refunds/">75% of Americans withhold too much tax</a>.</p> <p>It's a good idea to withhold a <em>little bit</em> extra in order to avoid owing taxes on April 15th. But the average tax refund in 2013 was over $2,800, meaning that &quot;little bit extra&quot; was probably too much. The IRS isn't a bank and it won't pay you interest for your taxes. You're better off withholding the right amount of taxes and putting the extra in an interest-bearing savings account.</p> <p>Updating your W-4 takes very little time. Before filling it out, figure out <a href="http://www.irs.gov/Individuals/IRS-Withholding-Calculator">how much you need to withhold in federal taxes</a> based on your income and set your W-4 accordingly.</p> <h2>3. Saving &quot;More&quot;</h2> <p>In theory, this sounds great. In reality, you're setting yourself for failure by not defining any specifics. (See also: <a href="http://www.wisebread.com/why-your-new-years-resolutions-will-fail?ref=seealso">Why Your New Year's Resolutions Will Fail</a>)</p> <ul> <li>How much is exactly &quot;more&quot;? $100? $1,000? $5,000?<br /> &nbsp;</li> <li>What is your time frame? Summer? Your birthday? Christmas?<br /> &nbsp;</li> <li>Do your other resolutions prevent you from saving? If you're planning to join a gym and bike to the office, are you going to have money leftover?<br /> &nbsp;</li> <li>Are you cutting back on other expenses? If so, which ones?</li> </ul> <p>The concept of &quot;go big or go home&quot; doesn't apply to saving. If you want to improve your chances of saving this year, you need to be as specific as possible.</p> <ul> <li>Establish your reason to save. For example, &quot;I'm saving for a mortgage down payment&quot; or &quot;I'm saving to replace my desktop computer.&quot;<br /> &nbsp;</li> <li>Specify a dollar amount. Unless you have that number, you won't be able to know if you have reached your objective.<br /> &nbsp;</li> <li>Calculate how much you need to put away per week or per month to achieve your target number.<br /> &nbsp;</li> <li>Set up an automatic transfer from your checking account to a separate account, such as a savings account, every week or month to force yourself to save.<br /> &nbsp;</li> <li>Take advantage of mechanisms to block the access to your stash until the deadline. For example, if you're saving to buy Christmas gifts with cash, you could use a Christmas savings account (also known as a &quot;Christmas Club&quot; at some credit unions).<br /> &nbsp;</li> <li>Determine what activities and expenses you need to cut back. Remember that the savings money has to come from somewhere!</li> </ul> <h2>4. Borrowing From Your Retirement Accounts</h2> <p>More and more Americans are treating their retirement accounts as revolving lines of credit.</p> <p>There are several statistics that show why borrowing from your retirement account is a bad idea:</p> <ul> <li>As many as <a href="http://www.gallup.com/poll/168824/fewer-rely-401-retirement-pre-recession.aspx">48% of non-retirees</a> are planning to use retirement saving accounts as a major source of income during retirement;<br /> &nbsp;</li> <li>Yet, Americans took about <a href="http://www.bloomberg.com/news/2014-05-06/early-tap-of-401-k-replaces-homes-as-american-piggy-bank.html">$57 billion from retirement funds</a> before they were supposed to;<br /> &nbsp;</li> <li>Even worse, every year Americans default on <a href="http://money.cnn.com/2012/07/17/retirement/401k-loan-defaults/">about $37 billion on 401(k) loans</a>;<br /> &nbsp;</li> <li>Unpaid balances become part of your taxable income and receive an additional 10% tax penalty from the IRS.</li> </ul> <p>This partly explains why <a href="http://www.cbsnews.com/news/shocking-number-of-americans-have-no-retirement-savings/">more than one-third of al</a>l<a href="http://www.cbsnews.com/news/shocking-number-of-americans-have-no-retirement-savings/"> working-age adults have no retirement savings</a>. There are very few times when it makes sense to borrow from your retirement account. If you find yourself borrowing from retirement accounts, you need to resolve to kick this habit next year. (See also: <a href="http://www.wisebread.com/this-is-when-you-should-borrow-from-your-retirement-account?ref=seealso">This is When You Should Borrow From Your Retirement Account</a>)</p> <p>Let's start 2015 on the right foot!</p> <p><em>What are some other bad money resolutions to skip next year? Please share in comments!</em></p> <a href="http://www.wisebread.com/4-money-resolutions-you-should-skip-this-year" class="sharethis-link" title="4 Money Resolutions You Should Skip This Year" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/4-money-resolutions-you-should-skip-this-year">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/21-ways-to-make-a-big-financial-change">21 Ways to Make a Big Financial Change</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-money-truths-the-rich-live-by-and-you-should-too">5 Money Truths the Rich Live By (and You Should Too)</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-scientific-reasons-to-ditch-the-luxury-brands">5 Scientific Reasons to Ditch the Luxury Brands</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-personal-finance-tips-for-extroverts">6 Personal Finance Tips for Extroverts</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/learn-all-the-frugal-skills-you-need-with-these-9-great-video-tutorials">Learn All the Frugal Skills You Need With These 9 Great Video Tutorials</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Finance Frugal Living Personal Development goals money goals resolutions Fri, 19 Dec 2014 16:00:16 +0000 Damian Davila 1270229 at http://www.wisebread.com 6 Little Stressors You Can Easily Eliminate Today http://www.wisebread.com/6-little-stressors-you-can-easily-eliminate-today <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-little-stressors-you-can-easily-eliminate-today" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/stressed-woman-traffic-Dollarphotoclub_53811864.jpg" alt="stressed woman traffic" title="stressed woman traffic" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Stress is how we respond to life's challenges. And since life always throws us curveballs (especially if you're a Baltimore Oriole gunning for a World Series title&hellip; I'll get over the shutout eventually), a completely stress-free life might never happen. (See also: <a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress?ref=seealso">20 Free (or Cheap) Ways to Reduce Stress</a>)</p> <p>But while you can't snap your fingers and wish away big stresses, you can eliminate little stressors that impact your everyday life. Expunging minor annoyances that increase blood pressure and anxiety level may not provide complete peace of mind, but it's a good starting point. Here are six to set you on the right path.</p> <h2>1. Toxic Relationships</h2> <p>Whether it's a so-called friend, a co-worker, neighbor, or miserable relative (you know who you are, <em>Aunt Silvie</em>), some people may drain the life out of you and increase your stress level. You may put up with the abuse because of your history, but the last thing you need is a toxic relationship adding stress to your life.</p> <p>It's a common type of relationship. In fact, &quot;84% of women &mdash; and 75% of men &mdash; said they'd <a href="http://www.today.com/id/44205822/ns/today-today_health/t/toxic-friends-people-endure-poisonous-pals/#.VH4pgofPbzI">had a toxic friend</a> at some point,&quot; acccording to a study conducted by Today.com and Self Magazine. You don't have to banish these people from your life, but to enjoy less stress and more happiness, you have to acknowledge a toxic relationship sooner than later and <a href="http://www.webmd.com/women/features/toxic-friends-less-friend-more-foe?page=3">deal with the toxicity</a>, such as &quot;taking some degree of responsibility for the situation&quot; and setting boundaries.</p> <h2>2. Traffic Jams During the Morning Commute</h2> <p>Nobody wants to deal with bumper-to-bumper traffic (especially if you are not a morning person), and research proves that traffic and your commute can be bad for your health. &quot;It is very stressful &mdash; you have little control over it,&quot; says Dr. David Frid of the Cleveland Clinic. &quot;And it is something, like most stressful situations, that can have an impact on your heart. It can increase your heart rate and increase your blood pressure, both which are very bad for your system in the short term as well as the long term.&quot;</p> <p>Researchers believe that honking and the sound of traffic can trigger elevated stress levels. But if you work outside the home and live in a heavily populated area, major slowdowns are inevitable and a bad start to your day. There's nothing you can do about traffic, but you can minimize its effect.</p> <p>&quot;Leave with enough time so that if a traffic jam occurs&hellip; you're not going to be bothered by it,&quot; Frid says. &quot;If you get caught in a traffic jam, it is what it is. Don't get upset about it. Listen to your (audio) book, listen to the radio.&quot;</p> <h2>3. Long Lines</h2> <p>Whether it's at the grocery store or the bank &mdash; you can't escape long lines. And if you're tired, hungry, and stuck standing in a long line after finishing an eight-hour shift, this might be the thing that pushes you over the edge.</p> <p>Unfortunately, as long as there are people, there will be lines. But this doesn't mean you have to waste time standing in them. Take advantage of time-saving tools created to make your life less stressful. Just about every bank and credit union has a mobile app that lets customers deposit checks from a mobile device (this is one of the best technological advances so far this century, in my opinion). And I recently learned that Walmart (and many other grocery stores) now offers a feature that lets customers grocery shop online. Visit the grocery store's website, select items to purchase, choose a pick-up time (or delivery, in some cases), pay online, and pick up your items from the store's designated area. No lines.</p> <h2>4. Too Much News</h2> <p>After work you may turn on the TV to catch up on the latest headlines. But given how most news isn't good news, after a few programs you may notice your anxiety level rising. This feeling isn't all in your head.</p> <p>A national survey of more than 2,500 Americans conducted by NPR, the Robert Wood Johnson Foundation, and the Harvard School of Public Health found that 1 in 4 participants experienced &quot;a great deal of stress in the previous month,&quot; and the biggest contributing factor was reading, watching, or listening to the news. Additionally, a study conducted after the Boston Marathon bombing found that &quot;people who exposed themselves to six or more hours of media daily actually reported more acute stress symptoms than did people who were directly exposed &mdash; meaning they were at the site of the bombings,&quot; says professor Alison Holman of the University of California.</p> <p>We should stay up-to-date on national and world events, sure. But try limiting yourself to only 10 or 20 minutes of news coverage a day.</p> <h2>5. Perfectionism</h2> <p>We can be our own worst enemy and our own stress trigger. Some people have to do everything perfectly, and mistakes are unacceptable. However, nobody is perfect, and if you're reaching for perfection, you're only going to succeed at stressing yourself out (which is why Xanax is my best friend). Do your best, but know your limits (and I'll try to practice what I preach as well).</p> <h2>6. Too Much Technology</h2> <p>Between smartphones, tablets, and unlimited data plans, you can be connected to the outside world 24 hours a day, seven days a week. But there's a <a href="http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3042390/">connection between stress and overuse of technology</a>. And if you can't go 30 minutes without checking your email or text messages, you may experience higher stress levels than someone who completely unplugs.</p> <p>Sure, you may need your smartphone or tablet, but it's okay to set boundaries. Maybe shut down all devices two or three hours before bed to allow your mind time to unwind. This means no playing games, texting, reading blogs, and definitely no paying bills online. It'll be hard to break this habit, but people have put more difficult addictions to rest. You got this if you want this.</p> <p><em>What are some other stressors that are commonplace that we can feasibly avoid? Let me know your suggestions and tips in the comments below.</em></p> <a href="http://www.wisebread.com/6-little-stressors-you-can-easily-eliminate-today" class="sharethis-link" title="6 Little Stressors You Can Easily Eliminate Today" rel="nofollow">ShareThis</a><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-little-stressors-you-can-easily-eliminate-today">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-nervous-tics-you-need-to-stop-right-now">6 Nervous Tics You Need to Stop Right Now</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-little-ways-to-de-stress-and-enjoy-life-more">6 Little Ways to De-Stress (and Enjoy Life More)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-you-can-go-easier-on-yourself">12 Ways You Can Go Easier on Yourself</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/20-free-or-really-cheap-ways-to-relieve-stress">20 Free (or Really Cheap) Ways to Relieve Stress</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-slow-down-your-fast-paced-life">How to Slow Down Your Fast-Paced Life</a></span> </div> </li> </ul> </div> </div> </div> </div> Health and Beauty Personal Development relax stress stress relief tension Fri, 19 Dec 2014 12:00:09 +0000 Mikey Rox 1270104 at http://www.wisebread.com 5 Signs You Were Raised by Parents With Bad Social Skills http://www.wisebread.com/5-signs-you-were-raised-by-parents-with-bad-social-skills <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-signs-you-were-raised-by-parents-with-bad-social-skills" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/rude-girl-stopping-mother-Dollarphotoclub_64392755.jpg" alt="rude girl stopping mother" title="rude girl stopping mother" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you have bad social skills? Chances are you inherited your habits from your parents. I'm speaking from personal experience here, as my mom and dad will tell you they aren't the most socially gifted in the bunch. I have struggled for years to overcome some bad habits combined with my own special kind of introversion. (See also: <a href="http://www.wisebread.com/18-things-people-with-good-social-skills-never-do?ref=seealso">18 Things People With Good Social Skills Never Do</a>)</p> <p>The good news? In most cases, your social skills aren't set in stone. So take a look at this list of behaviors suggesting you may have been raised by parents with bad social skills, and if you're guilty, start reprogramming your brain today!</p> <h2>1. You Make Excuses to Get Out of Seeing People</h2> <p>My parents didn't go out much with friends while I was growing up. When they did make plans, they'd often cancel at the last minute, and &mdash; for years &mdash; I'd do this exact same thing. There's a not-so technical term for this practice, and it's called <em>flakiness</em>. Don't blame yourself too much, though &mdash; modern technology makes it extremely easy for us to flake out on social situations. Sometimes, you have good reason and sometimes, not.</p> <p>That doesn't mean your relationships won't become damaged over time. So, before you cancel on your next engagement, consider a <a href="http://www.psychologytoday.com/blog/friendship-20/201205/yes-you-might-be-flake">few key factors</a>, including how important your presence is at the particular event, whether or not the organizer will understand, and if your excuse is truly legitimate. If you observe a pattern and/or cancel frequently, it could be a sign of something deeper, like anxiety, depression, or modeled behaviors from the past.</p> <h2>2. You Talk, But Don't Listen</h2> <p>Whether out of nervousness or something else, you might chat someone's ear off and not return the favor. Or you might not talk much and avoid chatting altogether. Active listening is a critical part of interpersonal communication, and it's ever-so-important during those pesky social situations. When I'm thrust into a social arena with a bunch of people I don't know, I'm uncomfortable. Over time, I've learned a few tricks that have become second nature.</p> <p>To become a <a href="http://www.skillsyouneed.com/ips/active-listening.html">more active listener</a>, be sure to display both verbal and nonverbal cues. You can smile and keep steady eye contact to show you're entertained or otherwise paying attention. Your posture actually shows quite a lot about how engagement level, so keep your body open and tuned in versus closed off. You may even mirror facial expressions to show connection with emotion. And lastly, avoid distractions (cell phones, fidgeting, doodling, etc.) whenever possible.</p> <h2>3. You Avoid Eye Contact</h2> <p>One of those important nonverbal cues is eye contact. Of course, many of us are just shy by nature &mdash; so it can be hard to stare directly into those windows to the soul without some major discomfort (especially around strangers).</p> <p>You can work on this skill in the comfort of your living room by <a href="http://www.succeedsocially.com/eyecontact">using your television</a>. Turn on a show and try to make eye contact with the character or characters on the screen. When you're out and about, start slow by trying to look near the person you're speaking with. If long periods of eye contact feel uncomfortable, try shorter periods interspersed with breaks.</p> <h2>4. You Skip Introductions</h2> <p>People skills are certainly put to the test whenever introductions are involved. I am notoriously bad at making introductions because I have difficulty remembering the names of my acquaintances. I also feel uncomfortable meeting scores of new people at parties. My parents would often retreat to their own area in social situations and I, too, often find myself in a corner surrounded by a couple of close friends. And that's okay sometimes. But, still, you could be missing out by not meeting and greeting.</p> <p>There is some <a href="http://www.artofmanliness.com/2010/08/10/how-to-make-introductions-like-a-gentleman/">traditional etiquette</a> for making introductions, but the key thing to remember is this: Something is better than nothing. Making sure everyone feels included is the real goal here, and it can aid in your own comfort level, too.</p> <h2>5. You Lose Your Cool</h2> <p>If you routinely blow up or show extreme emotions in social settings, you might be alienating others and hurting yourself in the process. Maybe you grew up seeing your dad get irate if his football team lost or your mom drink a few too many glasses of wine before chatting with guests. In short, you don't ever want to be that person asked to leave the party.</p> <p>Most heated situations arise from controversial topics or other triggers. Removing yourself from those conversations can take some willpower, but might ultimately save you from a blowup. Don't confuse passion with rage, however. Your beliefs and feelings are valid, however strong they may be, so long as you can communicate them effectively. And if you routinely require lots of social lubrication, you may want to speak with your doctor to see if <a href="http://www.adaa.org/understanding-anxiety/social-anxiety-disorder/social-anxiety-and-alcohol-abuse">Social Anxiety Disorder</a> is at play, in which case therapy and/or medication can help.</p> <p><em>How are your social skills? Did your parents provide you with a good example &mdash; or a bad one?</em></p> <a href="http://www.wisebread.com/5-signs-you-were-raised-by-parents-with-bad-social-skills" class="sharethis-link" title="5 Signs You Were Raised by Parents With Bad Social Skills" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-signs-you-were-raised-by-parents-with-bad-social-skills">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/10-rude-things-even-polite-people-do">10 Rude Things Even Polite People Do</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/8-times-most-people-are-faking-it">8 Times Most People Are Faking It</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-twitter-updates-that-are-making-you-look-dumb">6 Twitter Updates That Are Making You Look Dumb</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/10-lies-that-even-honest-people-tell">10 Lies That Even Honest People Tell</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/masters-of-small-talk-never-do-these-10-things-do-you">Masters of Small Talk Never Do These 10 Things — Do You?</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development etiquette eye contact polite rude social skills Thu, 18 Dec 2014 12:00:05 +0000 Ashley Marcin 1269732 at http://www.wisebread.com 10 Rude Things Even Polite People Do http://www.wisebread.com/10-rude-things-even-polite-people-do <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-rude-things-even-polite-people-do" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/rude-woman-using-cellphone-ignoring-friend-Dollarphotoclub_60377517.jpg" alt="rude woman cellphone" title="rude woman cellphone" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Much rudeness is inadvertent. In fact, even the most polite among us probably have some bad habits that make us appear rude when we don't mean to be. (See also: <a href="http://www.wisebread.com/13-things-people-with-good-table-manners-never-do?ref=seealso">13 Things People With Good Table Manners Never Do</a>)</p> <p>Wondering what you do that might come across as impolite? Read below for some ideas.</p> <h2>1. Being &quot;All Business&quot; in Electronic Communication</h2> <p>It's good to be professional and businesslike in your communication, especially when you're doing it for business purposes. When you communicate electronically, though, it's easy to come across as cold, uncaring, and rude when you focus entirely on business. Think about adding on a &quot;How are you?&quot; or &quot;I hope you're doing well,&quot; so the person on the other end knows you care.</p> <h2>2. Forgetting to RSVP</h2> <p>Even if you don't know your plans and won't until the last minute, contact the host to let them know. Ask if you can still show up (or bring more people), or if it would be easier to just decline the invitation. Being honest with your host is always better than not responding at all.</p> <h2>3. Not Handling Germs Properly</h2> <p>You're sick. You feel like crap. But you can still cover your mouth (and then not offer the covering hand when you shake hands). Even if you're polite, it's easy to forget to protect others from your germs, especially when you're coughing and sneezing a lot. If you must go out in public, though, make the effort to contain your illness.</p> <h2>4. Focusing Too Much</h2> <p>Focusing in and of itself is not a problem, but when you end up ignoring other people or treating them dismissively, it can come across as rude. If you need to focus intently to do a task, try to do that in a private place. Otherwise, you can figure out a way to not focus so intensely, or you can be sure to apologize and explain &mdash; &quot;I was so focused on that task that I didn't see you.&quot;</p> <h2>5. Not Cleaning Up After Yourself</h2> <p>Most polite people take pains to clean up any messes they create so that others don't have to. However, in busy or stressful situations, even the most polite person can forget himself and leave a mess behind. If you can't stop at the moment, at least notify someone of the mess and offer to come back later to fix it. They may not take you up on it, but they will know that you care.</p> <h2>6. Giving One-Word Answers</h2> <p>Sometimes, there's just not much to say. While you can be both polite and introspective, or in need of down time, or bereft of words, when someone speaks to you, try to give them a complete answer. If you don't have much to say, tell them, &quot;I don't really have an opinion on that. I'll think about it and get back to you if something comes up.&quot;</p> <h2>7. Crossing Your Arms</h2> <p>Crossing your arms is a self-protective gesture, one designed to keep people away from you. You're there, you're in it, so take a deep breath and face the situation in front of you courageously and openly, rather than communicating that you wish you could run and hide.</p> <h2>8. Overusing Sarcasm</h2> <p>Sarcastic humor is often funny at the expense of someone else, and, even if that person thinks you're funny, too, constantly teasing others is not polite. If you can't think of something funny without being sarcastic, it's much more polite to be quiet.</p> <h2>9. Forgetting Cell Phone Etiquette</h2> <p>The whens and hows of being on your cell phone are much debated right now. There are some absolutes, though, that even polite people violate from time to time. It's always rude to interrupt one person by taking a call or text from another. If you are waiting for an important call, at least be sure that the person you're &quot;in person&quot; with knows that and understands why you must take it. And if you're having trouble hearing or being heard during a call, politely hang up and try again later, rather than carrying on a conversation everyone around you can't help but hear.</p> <h2>10. Misusing Social Media</h2> <p>Social media can be a great place to try on a new personality or to be a bit different than who you are in real life. But sometimes even polite people fall into the trap of letting go of their politeness online, because they feel anonymous and it doesn't seem like anyone will get hurt. Be careful, thoughtful, and remember that words hurt whether they are written on a screen or said out loud &mdash; be sure that your online persona lines up with your polite, offline one.</p> <p><em>Do you consider yourself a polite person? Where do you find yourself falling into rudeness?</em></p> <a href="http://www.wisebread.com/10-rude-things-even-polite-people-do" class="sharethis-link" title="10 Rude Things Even Polite People Do" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/10-rude-things-even-polite-people-do">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/5-signs-you-were-raised-by-parents-with-bad-social-skills">5 Signs You Were Raised by Parents With Bad Social Skills</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/8-times-most-people-are-faking-it">8 Times Most People Are Faking It</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-things-people-with-good-social-skills-never-do">18 Things People With Good Social Skills Never Do</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-twitter-updates-that-are-making-you-look-dumb">6 Twitter Updates That Are Making You Look Dumb</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-lies-that-even-honest-people-tell">10 Lies That Even Honest People Tell</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development behavior etiquette polite rude social skills Wed, 17 Dec 2014 12:00:06 +0000 Sarah Winfrey 1269543 at http://www.wisebread.com Best Money Tips: Surprising Ways to Beat Stress http://www.wisebread.com/best-money-tips-surprising-ways-to-beat-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-surprising-ways-to-beat-stress" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/stressed-woman-working-Dollarphotoclub_48218874.jpg" alt="stressed woman working" title="stressed woman working" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on surprising ways to beat stress, bad habits you may have when you shop for clothes, and simple ways to be inspired.</p> <h2>Top 5 Articles</h2> <p><a href="http://want2discover.com/31-little-known-ways-beat-stress-really-work/">31 Little Known Ways to Beat Stress That Really Work</a> &mdash; Consume more essential fatty acids &mdash; they produce hormones that help your body deal with stress. [Want2Discover]</p> <p><a href="http://www.moneycrashers.com/bad-clothes-shopping-habits/">7 Bad Clothes Shopping Habits to Break Now</a> &mdash; Storing your credit card info on your favorite retailers' sites makes it way too easy to buy something in a few clicks. [Money Crashers]</p> <p><a href="http://couponpal.com/blog/5-simple-ways-to-add-inspiration-to-your-days">5 Simple Ways to Add Inspiration to Your Days</a> &mdash; Schedule time with your loved ones. The human connection you make from a simple coffee date is often all you need to feel inspired. [CouponPal]</p> <p><a href="http://www.getrichslowly.org/blog/2014/12/11/christmas-gifts-that-keep-on-giving/">Christmas Gifts That Keep on Giving</a> &mdash; If someone you love is just getting by, don't just give them more stuff for the holidays. Give them something they really need, like a gas gift card or pay-as-you-go minutes on their phone. [Get Rich Slowly]</p> <p><a href="http://www.thousandaire.com/how-to-give-when-you-cant-afford-it/">How to Give When You Can&rsquo;t Afford It</a> &mdash; Consider giving your time &mdash; and don't limit it to volunteering. Calling an old friend, writing thank-you notes, and helping your niece with her homework counts, too! [Thousandaire]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.popsugar.com/smart-living/Rules-Writing-Thank-You-Letter-36261667">3 Rules of Thank-You-Letter Writing</a> &mdash; Sending your post-interview thank-you letter through the mail may be more personal, but it will definitely take longer. Stay ahead of the competition and send your interviewer an email within 12 hours. [PopSugar Smart Living]</p> <p><a href="http://www.thesimpledollar.com/the-single-biggest-money-mistake-people-make/">The Single Biggest Money Mistake People Make</a> &mdash; People too often choose short term gains over long term goals. [The Simple Dollar]</p> <p><a href="http://www.dinksfinance.com/2014/12/6-things-need-next-vacation">6 Things You Need for Your Next Vacation</a> &mdash; Carry local currency with you before you set out, in case you need to buy anything before you can find a place to exchange your money. You'll save on ATM fees, too! [Dinks Finance]</p> <p><a href="http://www.nerdwallet.com/blog/finance/featured-articles/ways-to-save-on-your-holiday-party/">5 Ways to Save on Your Holiday Party</a> &mdash; Instead of a sit-down dinner, set out finger foods, soups, or spreads. And make sure to keep the recipes simple! [NerdWallet]</p> <p><a href="http://parentingsquad.com/5-festive-holiday-drinks-for-kids">5 Festive Holiday Drinks for Kids</a> &mdash; Cranberry &quot;Champagne&quot; is the kids&rsquo; own version of bubbly &mdash; without the alcohol. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-surprising-ways-to-beat-stress" class="sharethis-link" title="Best Money Tips: Surprising Ways to Beat Stress" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-surprising-ways-to-beat-stress">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/6-little-stressors-you-can-easily-eliminate-today">6 Little Stressors You Can Easily Eliminate Today</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-times-youre-wasting-mental-energy-without-realizing-it">7 Times You&#039;re Wasting Mental Energy Without Realizing It</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-signs-youre-burned-out-and-how-to-recover">4 Signs You&#039;re Burned Out (and How to Recover)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-nervous-tics-you-need-to-stop-right-now">6 Nervous Tics You Need to Stop Right Now</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-little-ways-to-de-stress-and-enjoy-life-more">6 Little Ways to De-Stress (and Enjoy Life More)</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development best money tips stress Tue, 16 Dec 2014 20:00:21 +0000 Amy Lu 1268206 at http://www.wisebread.com 10 Lies That Even Honest People Tell http://www.wisebread.com/10-lies-that-even-honest-people-tell <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-lies-that-even-honest-people-tell" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/smiling-businessmen-meeting-Dollarphotoclub_62440831.jpg" alt="smiling businessman meeting" title="smiling businessman meeting" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Thomas Jefferson once said, &quot;honesty is the first chapter in the book of wisdom.&quot; But the second chapter in that book might be be: &quot;except for these little white lies.&quot; (See also: <a href="http://www.wisebread.com/how-to-tell-if-someone-is-lying-other-than-the-long-nose?rref=seealso">How to Tell If Someone Is Lying</a>)</p> <p>Being honest about the things that really matter is paramount. But when it comes to the smaller things in life, honest people can still call themselves honest despite the tiny untruths they tell. Whether it's lies of omission, or lies of deception, here are 10 lies that even the most honest people tell. How many of them do you agree with?</p> <h2>1. Actually, I'm Busy That Night</h2> <p>Doing what, you have no idea. But you know you don't want to go to that shindig that someone from work is organizing. Whether you're busy washing your hair, organizing your sock drawer, or binge watching <a href="http://www.amazon.com/gp/product/B00005JLFV/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00005JLFV&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=SSQODNXVH3ZXNCWC">Law &amp; Order</a>, you're not really busy. But you are. Kind of. Hey, we all do it.</p> <h2>2. I Had No Idea How Fast I Was Going, Officer</h2> <p>You did though, didn't you? When you're pulled over for speeding, you're going to be asked one of two pretty standard questions. One is &quot;do you know why I pulled you over today?&quot; and the other is &quot;do you have any idea how fast you were going?&quot; Even honest people will say &quot;no&quot; to that one, because the alternative is to say &quot;yes, I had my foot down and knew I was breaking the law but didn't think I'd get caught,&quot; or something like that.</p> <h2>3. Lies About Age, Weight, and Even Height</h2> <p>They say you should never ask a woman her age. It's considered rude, although asking a man his age doesn't seem to be breaking any rules of etiquette. But to be frank, it doesn't really matter. Most women are going to fudge the age and weight question at some point, even if it's only by a few pounds or a couple of years. There's no harm in it either. Men also seem to be sensitive to the issue of weight, but even more so when it comes to their height. I say I'm 6 feet, and I'm very honest. I'm actually 5 feet 11 and &frac34; inches Hey, my math teacher taught me to round up.</p> <h2>4. The Number of Sexual Partners</h2> <p>There seems to be two schools of thought on this, separated by gender. Men will generally claim to have had more partners than they really have, because society expects it. It's considered manly, apparently (this is not my opinion by the way). Women will also lie, but because society seems to be stuck in the middle ages, they will claim to have had fewer partners. At the end of the day, as long as you're honest about your sexual health with your partner, does it matter how many people you've done the deed with?</p> <h2>5. &quot;Weaknesses&quot; During Job Interviews</h2> <p>It's not only expected to tell white lies here, it would probably shock the interviewer if you told the complete truth. &quot;Yes, I do have one weakness&hellip; I'm filthy. You should see my house; it's a wreck! I usually just throw all my crap into the desk drawers at the end of the day, even leftover food.&quot; Honesty here will not be your friend. At the same time, don't do the usual &quot;I think I'm just a workaholic&quot; routine. That's even worse.</p> <h2>6. Lies About a Person's Appearance</h2> <p>This is probably the biggest lie on the list that we all tell, and rightly so. Answering &quot;how do I look?&quot; with &quot;well, not good; fat in the face, sweaty, and that shirt looks awful on you&quot; may be honest, but it's not going to make you very popular. You have to tread lightly here. Don't tell someone they look insanely fabulously good if they look like they just got out of bed, but don't go past the point of rudeness.</p> <h2>7. That Totally Makes Sense</h2> <p>Someone just told you something a little confusing. They've told you a few times now, and it's starting to get beyond dull. You can ask them to explain the situation again, or, you can say you get it and move on. There are other reasons to pull this one out of the hat. When your grouchy in-laws start banging on about something very political and divisive, you can either decide to have a verbal jousting match, or say &quot;I get it&quot; and change the subject. Whatever it is, sometimes people just want to admit that something makes sense, rather than deal with the consequences of honesty.</p> <h2>8. Yeah, I Worked Out This Morning</h2> <p>Well, I struggled to crawl out of bed and into the shower, does that count? Even those of us who hit the gym on a regular basis will have times when it's just not worth the effort. Of course, we don't always want to admit that, so we bend the truth a bit. Ah, we're only fooling ourselves anyway, so there's no harm in it.</p> <h2>9. I Love It! It's Just What I Always Wanted!</h2> <p>&quot;I'm going to save this wonderful t-shirt for a really special occasion&hellip; like fixing the car.&quot; Receiving gifts gets harder once you hit puberty. Suddenly, people care a lot more about the gift they got you. And you don't have the &quot;I'm just a kid&quot; excuse, so you can't say it sucks. Instead, even the most honest person will say a rotten gift is heaven sent. Later on, that gift will find a new home, either in someone else's gift basket, or at the local thrift store.</p> <h2>10. I Had a Great Time</h2> <p>Most of the time, it's true. Sometimes, it's just a lie designed to not hurt someone's feelings. And that is okay, as long as it doesn't become a habit. If you say you had a great time at a gaudy nightclub, and your significant other keeps taking you back there, it's your own fault. But if it's a one-off, there's no harm in admitting you had a killer time, when you actually spent most of the day killing time.</p> <p><em>What lie isn't on the list that you, as an honest person, tell often? Or even just occasionally? Tell us below (and no lying!).</em></p> <a href="http://www.wisebread.com/10-lies-that-even-honest-people-tell" class="sharethis-link" title="10 Lies That Even Honest People Tell" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-lies-that-even-honest-people-tell">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/8-times-most-people-are-faking-it">8 Times Most People Are Faking It</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-signs-you-were-raised-by-parents-with-bad-social-skills">5 Signs You Were Raised by Parents With Bad Social Skills</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-rude-things-even-polite-people-do">10 Rude Things Even Polite People Do</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-twitter-updates-that-are-making-you-look-dumb">6 Twitter Updates That Are Making You Look Dumb</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/masters-of-small-talk-never-do-these-10-things-do-you">Masters of Small Talk Never Do These 10 Things — Do You?</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development etiquette lies phoniness white lies Tue, 16 Dec 2014 12:00:11 +0000 Paul Michael 1267800 at http://www.wisebread.com Best Money Tips: The Worst Bad Habits to Have http://www.wisebread.com/best-money-tips-the-worst-bad-habits-to-have <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-worst-bad-habits-to-have" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/unhappy-couple-Dollarphotoclub_54817143.jpg" alt="unhappy couple" title="unhappy couple" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on the worst bad habits to have, side hustle money mistakes, and rules for holiday tipping.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.pickthebrain.com/blog/5-worst-bad-habits/">The 5 Worst Bad Habits to Have</a> &mdash; Manipulation leads to unhealthy relationships. You'll get better, happier results by being sincere and direct. [Pick The Brain]</p> <p><a href="http://www.moneyunder30.com/avoid-these-3-side-hustle-money-mistakes">Avoid These 3 Side Hustle Money Mistakes</a> &mdash; Keep your business and personal finances separate. Open up a separate savings account for your side gig deposits, and get a credit card just for your business-related purchases. [Money Under 30]</p> <p><a href="http://www.moneytalksnews.com/should-you-tip-your-garbage-man-9-rules-for-holiday-tipping/">Should You Tip Your Garbage Man? 9 Rules for Holiday Tipping</a> &mdash; If you don't have the cash to tip, consider writing a thoughtful thank-you note or giving baked goodies instead. [Money Talks News]</p> <p><a href="http://www.popsugar.com/smart-living/Things-You-Need-Replace-33366840">12 Things You Need to Replace Right Now</a> &mdash; Old pillows may contain dust mites, bacteria, and dead skin. Replace your pillows every 18-24 months. [PopSugar Smart Living]</p> <p><a href="http://www.marcandangel.com/2014/12/10/10-tough-truths-happy-people-arent-afraid-to-face/">10 Tough Truths Happy People Aren't Afraid to Face</a> &mdash; You can learn a lot from your mistakes when you aren't denying them. [Marc and Angel Hack Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.creditsesame.com/blog/personal-finance-financial-literacy/">Mastering the Language of Personal Finance for Future Generations</a> &mdash; Financial literacy begins at home. Check out these resources to help you pass on personal finance knowledge to your kids&hellip; and to brush up on your own! [Credit Sesame]</p> <p><a href="http://www.kiplinger.com/slideshow/taxes/T055-S003-smart-ways-to-lower-your-taxable-income/index.html">7 Smart Ways to Lower Your Taxable Income</a> &mdash; Are you getting a year-end bonus? Ask that it be paid in 2015 so it won't increase this year's taxable income. [Kiplinger]</p> <p><a href="http://moneyning.com/shopping-smart/how-long-should-you-keep-receipts/">How Long Should You Keep Receipts?</a> &mdash; Hang on to your receipts for 5-7 years. Need help organizing them? Use an accordion folder! [MoneyNing]</p> <p><a href="http://www.carefulcents.com/increase-income-productivity/">4 Non-Traditional Ways to Increase Solopreneur Income and Productivity</a> &mdash; Don't give potential clients your rates because, naturally, not all clients are the same. [Careful Cents]</p> <p><a href="http://parentingsquad.com/why-its-ok-to-post-pictures-of-your-kids-on-facebook">Why It's Ok to Post Pictures of Your Kids on Facebook</a> &mdash; Posting pictures on Facebook is a great way to share your child's growth with your friends and family &mdash; just make sure your privacy settings are exactly where you want them. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-the-worst-bad-habits-to-have" class="sharethis-link" title="Best Money Tips: The Worst Bad Habits to Have" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-the-worst-bad-habits-to-have">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/20-habits-you-must-start-right-now-and-be-a-better-person">20 Habits You Must Start Right Now and Be a Better Person</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-habits-you-must-kick-right-now-and-be-a-better-person">20 Habits You Must Kick Right Now and Be a Better Person</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-habits-you-must-break-to-become-more-self-confident">The 5 Habits You Must Break to Become More Self-Confident</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-surprisingly-easy-way-to-change-your-habits-and-your-life">The Surprisingly Easy Way to Change Your Habits and Your Life</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-bad-habits-that-are-actually-good-for-you">13 &quot;Bad&quot; Habits That Are Actually Good for You</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development bad habits best money tips Mon, 15 Dec 2014 20:00:07 +0000 Amy Lu 1268060 at http://www.wisebread.com 6 Personal Finance Tips for Extroverts http://www.wisebread.com/6-personal-finance-tips-for-extroverts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-personal-finance-tips-for-extroverts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/happy-businesswoman-partner-Dollarphotoclub_66012862.jpg" alt="happy businesswoman" title="happy businesswoman" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Like every personality type, extroverts have their own special style of personal finance management. In many ways, you go-getters have a great advantage when it comes to executing your saving, spending, and investment goals. But extroverts can also be too quick to act, sometimes leading themselves into a booby trap in financial regret. (See also: <a href="http://www.wisebread.com/8-personal-finance-tips-for-introverts?ref=seealso">8 Personal Finance Tips for Introverts</a>)</p> <p>Read on for our roundup of the extrovert's natural strengths to savor and weaknesses to cautiously avoid when it comes to money matters. You never know, it just might pay off in the future.</p> <h2>Maximize Your Strengths</h2> <p>If you're an extrovert, use the things you're already good at to improve your financial fortune. Just don't let someone more cautious scare you out of them!</p> <h3>1. Negotiate Prices Like the Master Smooth-Talker You Are</h3> <p>Extroverts know how to navigate conflict with a certain finesse that makes it seem there's no conflict at all. And that's a priceless skill when it comes to negotiating everything from your car payment to your salary. It's not that extroverts are good at lying, it's just that they have a way of figuring out the best case scenario for themselves and then painting it like a win-win for both parties.</p> <p>So whenever possible, you should negotiate in person. Your charm and charisma are best employed in face-to-face showdowns. Just don't forget to be gracious as you talk your way into getting what you want.</p> <h3>2. Get Aggressive</h3> <p>Extroverts aren't afraid to pull the trigger when they get the feeling that it's right. When applied to the stock market, credit card rewards programs, and investment properties, that astute sense of intuition can be a major bonus. Many <a href="http://www.learnvest.com/2013/07/why-introverts-make-better-investors-123/">introverts missed out on low stock prices</a> at the end of the recession for this very reason. They weren't sure that the market had really bottomed out, so they weren't sure whether they should buy.</p> <p>But while it pays &mdash; literally &mdash; to have a good handle on your intuition, you also mustn't get cocky. The same cause of crash-and-burn among world-class poker players applies to extroverts, too.</p> <h2>3. Take Risks</h2> <p>Extroverts are more comfortable taking risks because they're more comfortable engaging with the ever-changing world around them. As compared to introverts, they simply have more experience throwing themselves into uncertain situations and coming out alright on the other side. Every <a href="http://www.psychologytoday.com/blog/here-there-and-everywhere/201406/do-extroverts-really-take-more-risks-0">habitual risk-taker</a> develops some sense of resiliency.</p> <h2>4. Brand Yourself</h2> <p>Extroverts know there's no shame in using well-designed business cards and social media platforms as a means of attracting positive attention to their work accomplishments. In fact, they know it's one of the best ways to line up future job prospects before they may decide they even want them.</p> <h2>Work Your Weaknesses</h2> <p>While using your strengths will take you far, learning to overcome your weaknesses can make for an even better bill of financial health.</p> <h3>5. Play the Long Game</h3> <p>As an extrovert, you're likely not so good at delaying gratification. This means you sometimes fail to grasp that wealth generally generates slowly. Often you pass up on opportunities to win small gains because you're not imagining how big they can stack up over time.</p> <p>So teach yourself that the road to riches will have its ups and downs &mdash; maybe even a few colossal ones &mdash; but there are still many ways make gains on your losses. And always be sure to have a sizable financial safety net, should one of those colossal downs trip you up so badly that you're unable to recover right away.</p> <h3>6. Do Your Homework</h3> <p>It's tempting to jump into investing with your own strategy, or with one you haven't really researched yet. So many people think they can beat the market, yet so few actually do. As an extrovert, you have gusto to go with your gut. But what you're sometimes lacking are the listening skills to hear what has worked for others before you, what has worked and what hasn't, and to craft your own investing strategy around the successful strategies of others.</p> <p>So remember: there's no harm in getting a second opinion from someone in-the-know.</p> <p><em>Are you an extrovert? Has it helped you manage your finances?</em></p> <a href="http://www.wisebread.com/6-personal-finance-tips-for-extroverts" class="sharethis-link" title="6 Personal Finance Tips for Extroverts" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-personal-finance-tips-for-extroverts">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/4-money-resolutions-you-should-skip-this-year">4 Money Resolutions You Should Skip This Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-truths-the-rich-live-by-and-you-should-too">5 Money Truths the Rich Live By (and You Should Too)</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/21-ways-to-make-a-big-financial-change">21 Ways to Make a Big Financial Change</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-lessons-i-learned-from-watching-wheel-of-fortune">5 Money Lessons I Learned From Watching Wheel of Fortune</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-negative-traits-that-are-actually-good-for-you">6 Negative Traits That Are Actually Good for You</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Finance Personal Development extrovert financial management introvert personality Fri, 12 Dec 2014 14:00:05 +0000 Brittany Lyte 1267666 at http://www.wisebread.com 6 Twitter Updates That Are Making You Look Dumb http://www.wisebread.com/6-twitter-updates-that-are-making-you-look-dumb <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-twitter-updates-that-are-making-you-look-dumb" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/twitter%20page.jpg" alt="twitter" title="twitter" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p><a href="http://about.twitter.com/company">500 million tweets</a> are sent every day. Some of them are great, and some of them are doozies.</p> <p>And then there are those tweets that make you look dumb. Smarten up your Twitter feed by avoiding these six types of terrible Twitter updates. (See also: <a href="http://www.wisebread.com/5-ways-to-break-your-social-media-habit?ref=seealso">5 Ways to Break Your Social Media Habit</a>)</p> <h2>1. #AllHashtags #AllTheTime #OMG #EpicFail</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/57dzaMaouXA"></iframe></p> <p>Hashtags are a great way to tie your tweet to a trending topic (e.g. #HITsunami is used by Hawaii residents to tweet about hurricane warnings) or to curate a series of tweets around an event (e.g. #SDCC for San Diego Comic Con).</p> <p>Using a hashtag is a good idea because it extends the reach of your updates beyond your followers and makes you part of a bigger conversation.</p> <p>However, the key is moderation.</p> <p>Jimmy Fallon and Justin Timberlake show in this skit how <a href="http://youtu.be/57dzaMaouXA">abusing hashtags makes you sound like a total doofus</a>.</p> <p>The folks at Twitter recommend using <a href="https://support.twitter.com/articles/49309-using-hashtags-on-twitter">no more than two hashtags per tweet</a>, because:</p> <ul> <li>While tweets with hashtags receive <a href="http://linchpinseo.com/infographic-twitter-tweet-cheat-sheet">two times more engagement</a> than those without hashtags, tweets that use more than two hashtags show a 17% drop in engagement.<br /> &nbsp;</li> <li>Tweets with one or two hashtags have 21% higher engagement than those with three or more hashtags.<br /> &nbsp;</li> <li>Tweets with one or more hashtags are <a href="http://danzarrella.com/new-data-use-quotes-and-hashtags-to-get-more-retweets.html">55% more likely to be retweeted</a>.</li> </ul> <h2>2. TV and Movie Spoilers</h2> <p>As a resident of Hawaii, I'm used to keeping away from the Internet on days that I want to catch a TV show in real time. For example, I'm a big fan of <a href="http://www.amctv.com/shows/the-pitch">AMC's The Pitch</a>, and I religiously tune in whenever a new episode airs. Since the show's fanbase is very social media savvy, I have to tune out from Twitter to prevent from knowing the episode's winner in advance.</p> <p>However, Hawaii residents are not the only ones that hate TV show and movie spoilers. <a href="http://www.nielsen.com/us/en/insights/news/2014/where-you-live-affects-how-you-watch.html">More than one-third of all primetime TV ratings are from time shifted viewers</a>, who view the content within seven days from airing, and another 10% comes from video on-demand viewers.</p> <p>This means that over 140 million Americans watch time shifted TV every day. And they're dreading the sight of a spoiler. For example, it's estimated that <a href="http://blog.spoilershield.com/post/87930245968/why-game-of-thrones-rules-over-social-media">170,000 spoilers</a> are posted on social media per episode of Game of Thrones. &quot;Spoiler alert&quot; is such a common term nowadays that the term was added to the <a href="http://www.zap2it.com/blogs/merriam-websters_dictionary_new_words_spoiler_alert_selfie_catfish_and_more_for_2014-2014-05">2014 edition of the Merriam-Webster dictionary</a>.</p> <p>So, be mindful of your followers and keep your Twitter feed spoiler-free. You'd be surprised at the great lengths some users go to <a href="http://gizmodo.com/5927427/how-to-avoid-spoilers-on-twitter">avoid spoilers on Twitter</a>. Heck, there's even an <a href="http://www.spoilershield.com">app to avoid spoilers on social media</a>! If you keep ruining somebody else's entertainment options, your follower count is likely to take a hit.</p> <h2>3. Twitter Feuds</h2> <p>Unlike feuds IRL, Twitter feuds have several disadvantages.</p> <ul> <li>They never remain between just two people. Fans of Lady Gaga are so well known for sending death threats to anybody that upsets the Mother Monster that the she had to <a href="http://tumblr.bornthiswayfoundation.org/post/58706449205/a-message-from-gaga#.UhKUWofp26E.facebook">ask them to stop</a>.<br /> &nbsp;</li> <li>Even after the parties involved make peace, somebody may keep a record of your bad behavior. TV host Jimmy Kimmel and rapper Kanye West went to great lengths to squash their Twitter feud. Even after West deleted his tweets against Kimmel, several publications still keep <a href="http://mashable.com/2013/09/27/jimmy-kimmel-kanye-west-twitter-feud/">screenshots of those tweets</a>.<br /> &nbsp;</li> <li>Losing your cool can mean losing your job, too. <a href="http://www.nydailynews.com/entertainment/gossip/conservative-activists-request-capital-drop-alec-baldwin-post-gay-bashing-tweets-article-1.1392378">Capital One dropped actor Alec Baldwin</a> as a spokesperson after Baldwin tweeted homophobic rants against a British reporter, George Stark.</li> </ul> <p>Keep your tweets classy and your feuds private.</p> <h2>4. ALL CAPS EVERYTHING</h2> <p>Even if you&hellip;</p> <ul> <li>Have an estimated net worth of $3 billion,</li> <li>Were awarded the Presidential Medal of Freedom,</li> <li>Have been dubbed &quot;The Queen of All Media&quot;, or</li> <li>Have launched your own TV network</li> </ul> <p>&hellip;you will still be <a href="http://www.cnet.com/news/oprah-gets-pwned-by-shaq-on-twitter/">called out if you tweet in all caps</a>.</p> <p>Even the U.S. Navy bowed down to the &quot;no all caps&quot; maxim on Twitter. The U.S. Navy had been sending messages in all capital letters since the 1850s but switched to mixed case in <a href="http://www.navy.mil/submit/display.asp?story_id=74740">June 2013 </a>for all platforms, including social media channels.</p> <p>Why? Because mixed case messages provide a more readable format and don't read like you're being shouted at.</p> <h2>5. Only Retweets</h2> <p>Cat got your tongue?</p> <p>Remember that Twitter is asking <em>you</em> &quot;what's happening?&quot; not &quot;what would you like to retweet today?&quot;</p> <p>Your followers are interested in your thoughts. A retweet every now and then is okay but don't let them fill up your feed. A good rule of thumb is to keep 80% of your tweets original, leaving 20% for retweets of interesting comments, links, or articles from somebody else.</p> <p>Also, try to add your two cents to the original tweet by using the &quot;Quote&quot; button on Twitter's smartphone app or editing the text of the tweet. Even a &quot;good tip!&quot; or &quot;what do you think?&quot; or &quot;+1&quot; adds value to a retweet because it generates a conversation.</p> <p>And please oh please, only retweet things that you have actually read. Don't assume what's actually said in an article just by the text of a tweet.</p> <h2>6. Too Many Third-Party Tweets</h2> <p>What do these tweets have in common?</p> <ul> <li>&quot;I just unlocked the 'Shutterbug' badge on @foursquare for adding photos to my check-ins. Say cheese!&quot;<br /> &nbsp;</li> <li>&quot;How I did on Twitter this week: 48 New Followers, 1 Replies, 2 Retweets, 444 Retweet Reach. How'd your week go?&quot;<br /> &nbsp;</li> <li>&quot;Having an awesome day! #fb&quot;<br /> &nbsp;</li> <li>&quot;I gave @MrSuperMarketingGuy +K about Marketing on @klout!&quot;<br /> &nbsp;</li> <li>&quot;Random Paper is out! paper.li/random-paper-12345&hellip; Stories via @abc @def @ghi&quot;</li> </ul> <p>All of them are automated tweets that add little to no value to your feed. More importantly, these type of tweets are lazy, impersonal, and irrelevant.</p> <p>Imagine a group of people having a great time sharing stories and interacting with each other. This involves listening, paying attention, and reacting. Now picture a stranger butting into the group to drop off a recorder that randomly plays any of the one-liners from above, and then leaves. What a total jerk!</p> <p>Twitter is a great place to interact with each other. Let's keep it that way.</p> <p><em>What are Twitter updates that drive you nuts? Please share in comments (and on Twitter)!</em></p> <a href="http://www.wisebread.com/6-twitter-updates-that-are-making-you-look-dumb" class="sharethis-link" title="6 Twitter Updates That Are Making You Look Dumb" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/6-twitter-updates-that-are-making-you-look-dumb">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/10-silly-internet-mistakes-you-need-to-stop-making-today">10 Silly Internet Mistakes You Need to Stop Making Today</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-facebook-updates-that-are-making-you-look-stupid">7 Facebook Updates That Are Making You Look Stupid</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/social-media-an-easy-source-of-coupons">Social Media: An Easy Source of Coupons</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/social-media-and-identity-theft-in-2010">Social Media and Identity Theft in 2010</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/what-everybody-ought-to-know-about-twitter">What Everybody Ought to Know About Twitter</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development Technology etiquette social media twitter Fri, 12 Dec 2014 12:00:15 +0000 Damian Davila 1267189 at http://www.wisebread.com Best Money Tips: Learn These Things to Get Better at Life http://www.wisebread.com/best-money-tips-learn-these-things-to-get-better-at-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-learn-these-things-to-get-better-at-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/happy-woman-relaxing-Dollarphotoclub_70326661.jpg" alt="happy woman relaxing" title="happy woman relaxing" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on things to learn that'll make you better at life, ways to optimize your space, and steps you can take right now to build confidence.</p> <h2>Top 5 Articles</h2> <p><a href="http://christianpf.com/better-game-of-life/">12 Things You Can Learn Today That Will Make You Better at the Game of Life</a> &mdash; Learn to travel light in life; accumulating stuff tends to weigh us down. [Christian PF]</p> <p><a href="http://www.supermoney.com/2014/12/optimize-space/">100 Ways to Instantly Make Everything Better by Optimizing Space Around You</a> &mdash; Magazine holders can store more than magazines. Use them for cables, cans of food, and other kitchen odds and ends. [SuperMoney!]</p> <p><a href="http://www.pickthebrain.com/blog/3-steps-can-take-right-now-build-confidence/">3 Steps You Can Take Right Now to Build Confidence</a> &mdash; Get out of your comfort zone. Do something that you haven't done before or something that will make a difference in your life. [Pick The Brain]</p> <p><a href="http://www.popsugar.com/smart-living/How-Balance-Social-Life-Work-35969796">How to Balance Your Busy Social Life and Still Make It Through the Workday</a> &mdash; Need a brain boost? Take a cinnamon-flavored mint or gum to encourage concentration. [PopSugar Smart Living]</p> <p><a href="http://www.moneyunder30.com/so-you-missed-black-friday-and-cyber-monday-heres-how-you-can-still-score-deals-on-holiday-gifts">So You Missed Black Friday and Cyber Monday? Here's How You Can Still Score Deals on Holiday Gifts</a> &mdash; Check out sites like Groupon or Living Social for deals on experience-oriented gifts. [Money Under 30]</p> <h2>Other Essential Reading</h2> <p><a href="http://savingdollarsandsense.com/everything-you-need-to-know-about-giving-gift-cards/">Everything You Need to Know About Giving Gift Cards</a> &mdash; Put together a gift basket to go with your gift card and make it even more personal. [Saving Dollars &amp; Sense]</p> <p><a href="http://www.cheapism.com/blog/3286/budget-red-white-wine">10 Wines Under $10 for Holiday Parties</a> &mdash; A glut of California wines means lower prices without skimping on quality. Try the J. Lohr Estates Riverstone Chardonnay 2012 for about $10. [Cheapism]</p> <p><a href="http://www.moneycrush.com/10-things-to-do-before-selling-your-home/">10 Essential Things to Do Before Selling Your Home</a> &mdash; Repaint the interior of your house if the walls look dingy or they are unusually bright colors. [Money Crush]</p> <p><a href="http://parentingsquad.com/is-my-child-ready-for-preschool">Is My Child Ready for Preschool?</a> &mdash; Before enrolling, take your child to the preschool so you can see her reaction and how she interacts with the children and teachers. [Parenting Squad]</p> <p><a href="http://www.northerncheapskate.com/8-ideas-for-frugal-winter-fun/">8 Ideas for Frugal Winter Fun</a> &mdash; Join your kids at the Wii or Xbox for a family gaming night! [Northern Cheapskate]</p> <a href="http://www.wisebread.com/best-money-tips-learn-these-things-to-get-better-at-life" class="sharethis-link" title="Best Money Tips: Learn These Things to Get Better at Life" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-learn-these-things-to-get-better-at-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/great-ways-to-invest-in-yourself">Great Ways to Invest in Yourself</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/you-can-learn-a-new-language-just-use-one-of-these-3-apps">You CAN Learn a New Language — Just Use One of These 3 Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/people-who-love-expanding-their-minds-do-these-13-things-do-you">People Who Love Expanding Their Minds Do These 13 Things — Do You?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-immaturity-can-make-you-happier-and-more-successful">7 Ways Immaturity Can Make You Happier and More Successful</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development best money tips learning Thu, 11 Dec 2014 20:00:09 +0000 Amy Lu 1266971 at http://www.wisebread.com 5 Scientific Reasons to Ditch the Luxury Brands http://www.wisebread.com/5-scientific-reasons-to-ditch-the-luxury-brands <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-scientific-reasons-to-ditch-the-luxury-brands" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/young-woman-shopping-clothing-Dollarphotoclub_59172582.jpg" alt="young woman shopping" title="young woman shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Is it better to buy a Rolex than a Timex? What about buying a $50 bottle of wine instead of &quot;two-buck Chuck&quot;? They may be worse for your wallet, but buying these luxury items may actually mean you get <em>more</em> enjoyment from the product. (See also: <a href="http://www.wisebread.com/10-little-words-that-will-get-you-the-best-price-every-time?ref=seealso">10 Little Words That Will Get You the Best Price Every Time</a>)</p> <p>Consider these five reasons the value of luxury is all in your head.</p> <h2>1. Your Brain Is Successfully Tricking You</h2> <p>For over 60 years marketers have recognized that the value of luxury is all in our heads. <a href="http://www.planetding.org/aboutme/files/PriceQuality.pdf">A 1949 article</a> noted a study where sales of women's pantyhose increased drastically when the retailer raised the price from $1.00 to $1.14, all because the higher price &quot;suggested higher value.&quot;</p> <p>So why is this the case? It turns out that increasing the price of the product actually changes the brain. According <a href="http://www.pnas.org/content/105/3/1050.full">to this study</a>, when a product's price goes up, it increases &quot;blood-oxygen-level-dependent activity in medial orbitofrontal cortex, an area that is widely thought to encode for experienced pleasantness during experiential tasks.&quot; So by purchasing a more expensive product, your brain physically changes and tells you that the product is better.</p> <h2>2. More Expensive Wine Tastes Better</h2> <p>Researchers <a href="http://www.gsb.stanford.edu/insights/baba-shiv-how-wines-price-tag-affect-its-taste">did a study about wine</a> and found that more expensive wine tastes better. Subjects in the study tasted five different wines and were told they were being asked to rate the wine. The price of the wine was used to label the wine (instead of using A, B, C, D, E, for example). However, unbeknownst to the subjects, there were only three different wines, and two of them were tasted twice with one identified at a high price and one at a low price. For example, wine #2 was given to the same person, but it was labeled as both $90, its retail price, and as $10. What happened? The tasters rated the wine with the higher price as significantly better than the same wine priced cheaper.</p> <h2>3. A&nbsp;More Expensive Buffet Tastes Better Than a Cheap Buffet</h2> <p><a href="http://foodpsychology.cornell.edu/OP/buffet_pricing">In a recent study</a> researchers examined what happened when about 140 diners ate at an Italian all-you-can-eat restaurant but paid different prices. The diners were charged either $4 or $8 for the lunch buffet of pizza, salad, breadsticks. They were then asked to rate how much they liked their food after they were done. After finishing, the diners rated their experience and people who paid the $8 price rated the buffet as being 11% better than those who paid just $4. And the amount people paid for the buffet didn't affect how much they ate.</p> <h2>4. We Have a &quot;You Get What You Pay for&quot; Mentality</h2> <p>How many times have you heard the phrase, &quot;you get what you pay for?&quot; You've probably even said this to yourself on occasions when you've purchased a cheaper option and had it break on you. Perhaps you bought a $1 flashlight instead of the $15 Maglite at the $1 flashlight broke on its first use? Or you went with the $2,000 company to paint your house instead of the $7,000 company and they missed part of the trim or didn't reinstall the gutters properly.</p> <p>In these cases you probably told yourself &quot;you got what you paid for.&quot; But you are far less likely to notice when the cheaper option works just as well. What's the problem with this? By ignoring all of the times when things go right (and the cheaper option works just as expected) and only noticing when things go wrong (that is, when the cheaper option breaks), you are cementing the idea into your brain that luxury priced items are better.</p> <h2>5. Even McDonalds Tastes Better With Different Presentation</h2> <p><a href="http://www.huffingtonpost.com/2014/10/23/pranksters-trick-foodies-mcdonalds_n_6035542.html">Two Dutch pranksters went to a food show</a>, cut up McDonald's food to make it look fancy, called it &quot;organic,&quot; and what was the result? Instead of realizing the food was McDonald's (and not something these foodies attending the show normally ate), they rated the the food &quot;fresh,&quot; &quot;rich,&quot; and &quot;delicious.&quot; Their perception that the food was extra high quality was based on looks rather the actual quality of the product.</p> <p>So what is the takeaway from all of this research? If luxury is all (or mostly) in your head, is that a bad thing or a good thing? If you're actually getting more enjoyment from something that you pay more for, this seems fair. But, is it wrong to charge more for the same product just so consumers value it more?</p> <p><em>Have you ever been tricked into placing more value on high-priced goods?</em></p> <a href="http://www.wisebread.com/5-scientific-reasons-to-ditch-the-luxury-brands" class="sharethis-link" title="5 Scientific Reasons to Ditch the Luxury Brands" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/5-scientific-reasons-to-ditch-the-luxury-brands">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/4-money-resolutions-you-should-skip-this-year">4 Money Resolutions You Should Skip This Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/learn-all-the-frugal-skills-you-need-with-these-9-great-video-tutorials">Learn All the Frugal Skills You Need With These 9 Great Video Tutorials</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/21-ways-to-make-a-big-financial-change">21 Ways to Make a Big Financial Change</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/10-little-words-that-will-get-you-the-best-price-every-time">10 Little Words That Will Get You the Best Price, Every Time</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/30-free-ways-to-cheer-yourself-up">30 Free Ways to Cheer Yourself Up</a></span> </div> </li> </ul> </div> </div> </div> </div> Frugal Living Personal Development expensive luxury price quality value Thu, 11 Dec 2014 18:00:08 +0000 Elizabeth Lang 1267187 at http://www.wisebread.com 8 Times Most People Are Faking It http://www.wisebread.com/8-times-most-people-are-faking-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-times-most-people-are-faking-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/couple-coffee-date-Dollarphotoclub_51979527.jpg" alt="coffee date" title="coffee date" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Before we go any further: This will not be an article about faking it in the bedroom.</p> <p>No, this is about those times when people are faking a reaction, opinion, or some other kind of sentiment &mdash; &quot;faking it&quot; to save face, save someone's feelings, or something a little more sinister. (See also: <a href="http://www.wisebread.com/5-signs-someones-being-fake?ref=seealso">5 Signs Someone's Being a Fake</a>)</p> <p>So take a look and then keep your eyes sharp next time you find yourself in one of these situations.</p> <h2>1. Opening Presents</h2> <p>You would have to be the luckiest person on Earth to get everything you want every single time. And yet, we all react in that exact way. I tell my kids that it's okay to tell little white lies, and when it comes to opening presents, that's what they will do (most of the time). How many times have you received a real stinker of a gift, but faked a smile, laughed, or just squealed with joy. You thank everyone, and when they leave, you figure out if it's something you can regift, return, sell, or put in the pile marked &quot;thrift store donations.&quot; If you're doing it, everyone's doing it. C'est La Vie.</p> <h2>2. Listening to Vacation Stories</h2> <p>&quot;And then, we went on this beautiful hike through the foothills of the Rocky Mountains. Oh, the air, it was so fresh you could have bottled it and sold it on eBay. I saw a bird&hellip; what was it Harold? Oh, it's on the tip of my tongue...&quot; It's polite to listen to the stories of people who have just returned from vacation. But after the first few minutes, most people go into autopilot mode, smiling and nodding at the right times, whilst really trying to figure out what to make for dinner.</p> <h2>3. Job Interviews</h2> <p>You are not yourself in a job interview. You are, for the most part, the best possible version of yourself (or at least the most professional). You smile more than usual. You sit upright and alert. You never swear. You are always inquisitive and never give a negative reaction. You make Mr. Rogers look like Mr. T. Fortunately, the interviewer is faking it, too. You are both being versions of yourselves that are fake; but this is not only acceptable, it's expected. Ironically, most people can get a feel for the other person within the first few seconds, so all the fakery afterwards is just a wasted effort.</p> <h2>4. &quot;Does This Make Me Look Fat?&quot;</h2> <p>It may be a variation of that. Like &quot;do you like my new haircut?&quot; or &quot;how about these new shows?&quot; Whether you're a man or a woman, most of the time you will be faking it. No one, ever, wants to hear that the new dress they just bought makes them look 20 pounds heavier. No one wants to know their haircut is a disaster, or their shiny new shoes are actually a nightmare. So, you fake it. We all fake it. &quot;You look fabulous.&quot;</p> <h2>5. Meeting the Parents (or Boyfriend/Girlfriend)</h2> <p>Everyone is faking it when they first meet potential in-laws or their friend's new partner. &quot;Do you like him?&quot; will rarely, if ever, be met with &quot;actually, I can't stand him. He sucks. And his breath stinks.&quot; No, we all fake it for a while. Emphasis on &quot;a while.&quot; If we see that the person is not good for our friend or relative, and things are getting serious, we'll intervene. But that first meeting, it's all niceness.</p> <h2>6. Dinner at a Friend's House</h2> <p>It doesn't have to be a friend. It could be a relative, the boss, or anyone else who invited you over for a bite. Not everyone is faking it of course; there are times when you will genuinely love the food being served. But most of the time, people act like they're being served nectar of the gods when it is, in fact, not all that good. It's the polite thing to do. When someone asks &quot;how's dinner?&quot; who is really going to say &quot;it's ok, but it's totally lacking salt and the meat is dry.&quot; Yeah. Just fake it.</p> <h2>7. At the Doctor's</h2> <p>File this one under &quot;dangerous but true.&quot; Doctor's have said time and again that we all need to tell them the 100%, no BS, lay-it-on-the-line truth. Do we? No. Most of us vastly underplay how much bad food we eat, exaggerate how much exercise we do, and generally give the doctor a fake version of ourselves. This, of course, it just a really bad idea. If the doctor doesn't have a complete picture, he or she cannot treat you accurately. And you know, most of the time they can smell your fakery a mile away anyway. Just be honest about how much you drink, eat, smoke, and exercise.</p> <h2>8. The First Date</h2> <p>This is very similar to a job interview. If you think about it, you're both interviewing for the open position of girlfriend or boyfriend. You are never going to be yourself, the real, unadulterated you, on the first date. It's a time when farting and belching is no longer allowed. Your table manners suddenly get a massive improvement. You're laughing at awful jokes, and pretending that the dessert he or she picked out was just divine. Fake. But, this is also a common part of courtship, and we all know that this will pass. Hopefully, not too soon though.</p> <p><em>When do you fake it? Please spill in comments!</em></p> <a href="http://www.wisebread.com/8-times-most-people-are-faking-it" class="sharethis-link" title="8 Times Most People Are Faking It " rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/8-times-most-people-are-faking-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-lies-that-even-honest-people-tell">10 Lies That Even Honest People Tell</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-signs-you-were-raised-by-parents-with-bad-social-skills">5 Signs You Were Raised by Parents With Bad Social Skills</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-rude-things-even-polite-people-do">10 Rude Things Even Polite People Do</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-twitter-updates-that-are-making-you-look-dumb">6 Twitter Updates That Are Making You Look Dumb</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/masters-of-small-talk-never-do-these-10-things-do-you">Masters of Small Talk Never Do These 10 Things — Do You?</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development etiquette lies phoniness social skills Thu, 11 Dec 2014 12:00:07 +0000 Paul Michael 1266970 at http://www.wisebread.com 10 Silly Internet Mistakes You Need to Stop Making Today http://www.wisebread.com/10-silly-internet-mistakes-you-need-to-stop-making-today <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-silly-internet-mistakes-you-need-to-stop-making-today" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/woman-browsing-internet-tablet-Dollarphotoclub_72732966.jpg" alt="woman browsing tablet" title="woman browsing tablet" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The Internet is a wonderful thing:</p> <ul> <li>It allows you to videochat with grandma in real time.<br /> &nbsp;</li> <li>It gives you free access to the <a href="http://archive.org/details/library_of_congress">Library of Congress</a>.<br /> &nbsp;</li> <li>It empowers you to do financial transactions without visiting the bank.</li> </ul> <p>However, it can also make you spend three hours watching <a href="http://www.lolcats.com">LOLCats</a>. Make smart use of your web access and avoid these 10 little Internet mistakes.</p> <h2>1. Taking Notes on Your Computer</h2> <p>All computer makers are trying to convince us that their products are the &quot;next big thing.&quot; However, pen and paper still beat any digital device at <a href="http://www.psychologicalscience.org/index.php/news/releases/take-notes-by-hand-for-better-long-term-comprehension.html">taking notes for better long-term comprehension</a>.</p> <p>Studies show that when people take notes on laptops, they tend to <a href="http://www.theatlantic.com/technology/archive/2014/05/to-remember-a-lecture-better-take-notes-by-hand/361478/">transcribe what they're hearing without thinking about the actual content</a>. Note takers that write longhand are better at remembering the content because they have to process the content.</p> <p>This doesn't mean that you have to give up on all digital devices. You can get the best of both worlds by using a tablet that allows you to write longhand and keep a digital copy of your notes.</p> <h2>2. Reading Too Much Email</h2> <p>Email is a major time thief. It steals around <a href="http://www.mckinsey.com/insights/high_tech_telecoms_internet/the_social_economy">13 hours from your week</a> every week. If you were to gain back just five hours out of those 13 spent on checking email and allocate them to every workday, you would be able to accomplish more every workday.</p> <p>Try one or more of these tricks to reduce your time spent on email.</p> <ul> <li>Gmail users, install the <a href="http://inboxpause.com/">Inbox Pause plugin</a> to pause new emails arriving to your inbox and avoid distractions.<br /> &nbsp;</li> <li>Reduce the number of times you check email a day and use <a href="http://fourhourworkweek.com/2007/03/22/how-to-check-e-mail-twice-a-day-or-once-every-10-days/">smart autoresponders to ask people to accept your policy</a>.<br /> &nbsp;</li> <li>Avoid setting up meeting times over email. How many &quot;Re:re:re:re:fw:re:fw:re: Meeting time&quot; emails do you answer per day? Pick up the phone or walk over to your co-worker's cubicle, and get it done.</li> </ul> <h2>3. Not Keeping a List of Action Items</h2> <p>Don't be like <a href="http://youtu.be/yvbsJ8brtN4">Alice in Wonderland</a>: If you don't know where are you are going, it doesn't really matter which way you go. And that's how you end up stuck in Twitter, Instagram, or Words with Friends all day. (See also: <a href="http://www.wisebread.com/11-time-saving-hacks-from-the-worlds-busiest-people?ref=seealso">11 Time Saving Hacks From the World's Busiest People)</a></p> <p>You need to be aware of what needs to get done <em>today</em>. The most productive people in the world, including Facebook COO Sheryl Sandberg and celebrity chef Bobby Flay, map out what they want to accomplish every day. This list forces you to focus and get stuff done.</p> <p>Keep your list in front of you throughout the day and you'll keep those Internet distractions in check.</p> <h2>4. Spending Too Much Time Online</h2> <p>Go out and play. Why?</p> <ul> <li>Turns out that <a href="http://www.scientificamerican.com/article/what-internet-habits-say-about-mental-health/">using the Internet in excess</a> is related to having depressive tendencies. <br /> &nbsp;</li> <li>Quickly switching between websites <em>decreases</em> your ability to experience emotions as you get used to chasing instant gratification.<br /> &nbsp;</li> <li>Too much online chatting and emailing decreases your ability to pick up on verbal and body cues in real life conversations.<br /> &nbsp;</li> <li>Rely too much on Google and you'll develop <a href="http://www.edudemic.com/google-memory/">decreased memory capabilities</a>.</li> </ul> <p>Take the time to unplug. Your body, mind, and social life will thank you.</p> <h2>5. Following an Ex Online</h2> <p>Let. It. Go.</p> <p>There's a good reason why you broke up with that person, even if you may have forgotten it! Social media provide us an &quot;opportunity&quot; to keep tabs on our exes, but there's nothing good that will come out of it.</p> <p>A study reveals that <a href="http://online.liebertpub.com/doi/abs/10.1089/cyber.2012.0125">Facebook-stalking your ex</a> leads to a variety of negative feelings, sexual desire, longing for your ex, and lower personal growth. The more that you check on your old flame online, the harder it is for your to move on.</p> <h2>6. Replacing Your Doctor With WebMD</h2> <p>Medical sites, such as WebMD.com and MDAdvice.com, are great for gathering information. However, those sites shouldn't replace your doctor.</p> <p><a href="http://jscms.jrn.columbia.edu/cns/2007-03-13/tracy-medicalparanoia.html">Doctors across the country</a> report that their patients are arriving at false diagnoses based on those sites and often taking the wrong course of action. Remember that the Internet is a tool and, as such, it can't make up for years and years of study and professional experience.</p> <p>It is okay to use medical advice sites as research tools &mdash; it's not ok to use those sites to self-diagnose. False diagnoses create unnecessary anxiety and may cause physical harm to your loved ones or yourself. Seek the advice of a certified health professional.</p> <h2>7. Making Private Information Public</h2> <p>If anybody can find online&hellip;</p> <ul> <li>Your birth date;</li> <li>The name of your first pet;</li> <li>The name of the street of your first home;</li> <li>Your mother's maiden name; or</li> <li>The make and model of your first car&hellip;</li> </ul> <p>&hellip;then you're increasing the chances of somebody hacking your online accounts.</p> <p>Software giant Microsoft found that strangers have a 13% chance of <a href="http://research.microsoft.com/pubs/79594/oakland09.pdf">guessing the answers to security questions</a> within five attempts. The more information about yourself that you make available online, the greater the chance strangers (not just rocket-scientist hackers!) will get a hold of your online accounts.</p> <h2>8. Using the Same Password for Everything</h2> <p>Up to <a href="https://nakedsecurity.sophos.com/2013/04/23/users-same-password-most-websites/">55% of Internet users the same password</a> for their most visited websites.</p> <p>The password to your Instagram account can't be the same as the one for your online banking. One leads to your pictures, the other one to your money. Your life savings deserve better protection than &quot;password123.&quot; It seems like common sense, but, unfortunately, the <a href="http://www.cbsnews.com/news/the-25-most-common-passwords-of-2013/">top three passwords of 2013</a> were &quot;123456,&quot; &quot;password,&quot; and &quot;12345678.&quot;</p> <p>Create strong passwords by using at least eight characters, including numbers, applying CamelCase, and avoiding full words. Also, update your passwords on a regular basis.</p> <h2>9. Posting Inappropriate Things on Social Media</h2> <ul> <li>A <a href="http://www.nbcnews.com/id/29796962/ns/technology_and_science-tech_and_gadgets/">job applicant lost a big job opportunity because of a dumb tweet</a>.<br /> &nbsp;</li> <li>A <a href="http://www.georgianewsday.com/news/61845-teacher-ashley-payne-fired-for-posting-picture-of-herself-holding-beer-on-facebook.html">high school teacher was fired</a> for posting pics showing alcohol consumption on Facebook.<br /> &nbsp;</li> <li>An university professor was fired due to some <a href="http://www.businessinsider.com/lara-logan-attacked-nir-rosen-twitter-2011-2">outlandish remarks on Twitter</a>.<br /> &nbsp;</li> <li>A nurse was fired from a hospital for posting an <a href="http://abcnews.go.com/Health/video/nurse-fired-instagram-post-24464137">ER photo on Instagram</a>.</li> </ul> <p>Think twice before you post anything on social media, it may cost you your job. Make sure to check your employer's policies on use of social media, even during non-work hours.</p> <h2>10. Not Updating Settings for In-App Purchases</h2> <p>Free is not always free. Some free apps may cost more than you think.</p> <ul> <li>A 15-year old boy spent <a href="http://www.ign.com/articles/2014/10/03/boy-spends-over-46000-in-free-to-play-game">over $46,000 in app-purchases in a game</a>.</li> <li>A 5-year old boy spent <a href="http://forums.macrumors.com/showthread.php?t=1550535">$2,550 in the game Zombies vs Ninja</a>.</li> <li>A free virtual game in the Amazon Appstore had <a href="http://www.pcworld.com/article/2452920/amazon-allowed-kids-to-spend-millions-on-inapp-purchases-ftc-says.html">one-time in-app purchases of up to $99.99</a>.</li> </ul> <p>There are so many in-app purchases out there that in 2014 Apple agreed to settle with the FTC charges for kid's in-app purchases without parental consent by paying a <a href="http://www.ftc.gov/news-events/press-releases/2014/01/apple-inc-will-provide-full-consumer-refunds-least-325-million">minimum of $32.5 million</a> to those affected.</p> <p>Prevent any unintentional charges from your children (or yourself!) to your credit card from in-app purchases by updating these settings on your smartphone:</p> <ul> <li>Require a password for all in-app purchases;</li> <li>Create a strong password (see #8 in this list);</li> <li>Lock the screen of your phone with a password (if you have small children);</li> <li>Create a separate profile on your down device for your children (if available); and</li> <li>Educate your children about when it's ok to make in-app purchase.</li> </ul> <p><em>What are the worst Internet mistakes you've made? Share them in the comments!</em></p> <a href="http://www.wisebread.com/10-silly-internet-mistakes-you-need-to-stop-making-today" class="sharethis-link" title="10 Silly Internet Mistakes You Need to Stop Making Today" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/10-silly-internet-mistakes-you-need-to-stop-making-today">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-13"> <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-twitter-updates-that-are-making-you-look-dumb">6 Twitter Updates That Are Making You Look Dumb</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/8-alternatives-to-cable-tv-that-will-keep-you-entertained">8 Alternatives to Cable TV That Will Keep You Entertained</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-facebook-updates-that-are-making-you-look-stupid">7 Facebook Updates That Are Making You Look Stupid</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/10-ways-to-make-facebook-productive">10 Ways to Make Facebook Productive</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/beware-the-nasty-secret-of-the-craigslist-free-section">Beware, The Nasty Secret Of The Craigslist Free Section</a></span> </div> </li> </ul> </div> </div> </div> </div> Personal Development Technology embarrassing Internet social media technology Wed, 10 Dec 2014 12:00:08 +0000 Damian Davila 1265969 at http://www.wisebread.com Learn All the Frugal Skills You Need With These 9 Great Video Tutorials http://www.wisebread.com/learn-all-the-frugal-skills-you-need-with-these-9-great-video-tutorials <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/learn-all-the-frugal-skills-you-need-with-these-9-great-video-tutorials" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/woman-cooking-eggs-477917887-small.jpg" alt="woman cooking eggs" title="woman cooking eggs" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Frugal life skills: We all need them to get through the daily grind with less stress and fewer dollars flying out of our pockets. But what skills are essential to your everyday life for health, happiness, and saving money? (See also:<a href="http://www.wisebread.com/7-online-workout-videos-for-free-or-cheap?ref=seealso"> 7 Online Workout Videos for Free or Cheap</a>)</p> <p>These nine should get you started.</p> <h2>1. Calculate Tip</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/RyYIWKf65mQ"></iframe></p> <p>Have you ever totally blanked on the right tipping amount when you get your dinner check? <a href="https://www.youtube.com/watch?v=RyYIWKf65mQ&amp;spfreload=10">Calculating the percentage</a> is easy with some mental math you can learn in a snap. From there, it's just figuring out what percentage you want to give, and I've seen averages between 15% and 25%. This math comes in handy when you're trying to figure out how much something is discounted, too.</p> <h2>2. Cook Eggs</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/E05kxs4Bwg4"></iframe></p> <p>Eggs are tasty and super versatile for a variety of breakfast, lunch, and dinner meals. So, learning <a href="https://www.youtube.com/watch?v=E05kxs4Bwg4&amp;spfreload=10">how to cook them five ways</a> is certainly to your benefit if you like quick, inexpensive protein. Scrambling is as easy as plopping a few eggs in a bowl with some milk and whisking before cooking. Poaching, which is my favorite, can be a bit more complicated and involves a swirling vinegar and water bath to set.</p> <h2>3. Change a Ceiling Light</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/fKI5wOwHc2Y"></iframe></p> <p>When we moved into our new house, there wasn't much to do except change out the <a href="https://www.youtube.com/watch?v=fKI5wOwHc2Y&amp;spfreload=10">old ceiling light fixtures</a>. The good news: You don't need a professional to complete this job. The most important step is turning the power off at the circuit breaker and confirming it's off by flipping the switch. Then slowly disassemble the fixture starting with the shade and bulbs. Follow the instructions on your new light and match neutral to neutral and hot to hot wires. Double-check your work and then turn the power back on.</p> <h2>4. Calm a Baby</h2> <p>First-time parents (and anyone who is brave enough to babysit a newborn) can surely take advantage of these <a href="https://www.youtube.com/watch?v=sdIWdPNJ2Ao&amp;spfreload=10">tricks to calm a crying baby</a>. Those tiny creatures can only use crying as communication, so it's wise to first see that their needs (food, sleep, diaper, smiles) are met. From there, use motion, swaddling, or shushing noises to emulate all the sensations the baby had while in the womb. All free ways to get some peace and quiet.</p> <h2>5. Parallel Park</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/TMrO_-bsooQ"></iframe></p> <p>Yes. I still shy away from <a href="https://www.youtube.com/watch?v=TMrO_-bsooQ&amp;spfreload=10">parallel parking</a> even if it costs me extra money at the parking garage. The thing is, it's not so difficult. The first step is making sure the space will accommodate your vehicle. Then pull up parallel with the car in front of the space. Reverse. Once your back tire lines up with the other vehicle's back tire, you'll want to sharply turn your car toward the curb. From there, straighten out once your rear passenger door is even with the front car's rear bumper. And go slowly!</p> <h2>6. Jump a Car</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/wjvZw9jZCaE"></iframe></p> <p>You must learn how to <a href="https://www.youtube.com/watch?v=wjvZw9jZCaE&amp;spfreload=10">jump-start a car</a>. Ideally, you'll want to have a set of jumper cables in your car at all times. Then pull the jumper car next to your car with the dead battery, turn off both cars and pop the hoods. Connect the red cable to the positive terminal on the dead battery and on the good battery. The connect the black cable to the neutral terminal on the live battery only and a piece of metal on the dead car. Start the live battery car for a few minutes before starting up the dead car and driving for at least 30 minutes.</p> <h2>7. Change a Tire</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/hDjbz5TrHJA"></iframe></p> <p>Keeping with the car theme, the other most basic thing you should know is <a href="https://www.youtube.com/watch?v=hDjbz5TrHJA&amp;spfreload=10">how to change a flat tire</a> in an emergency. You'll find your spare usually in the trunk. Then pop off your hubcap, loosen the lug nuts, and crank the jack up a few inches before putting it under the car. Then remove the old tire and replace it with the spare, making sure to tighten everything properly. Then don't drive farther than 50 miles and no faster than 50 miles per hour.</p> <h2>8. Fold a Fitted Sheet</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/Q-a2FR1iwqg"></iframe></p> <p>I know, I know. This one doesn't really seem essential. But it's a heck of a lot nicer <a href="https://www.youtube.com/watch?v=Q-a2FR1iwqg&amp;spfreload=10">folding fitted sheets</a> rather than stuffing them away in your linen closet. It might even save you some precious space. The key is getting all your corners folded up on themselves, and the rest is a breeze. (See also: <a href="http://www.wisebread.com/6-ways-to-make-your-tiny-apartment-feel-like-a-castle?ref=seealso">6 Ways to Make Your Small Apartment Feel Like a Castle</a>)</p> <h2>9. Sew a Button</h2> <p><iframe width="605" height="340" frameborder="0" allowfullscreen="" src="//www.youtube.com/embed/hrSs_DiJ-ZA"></iframe></p> <p>I remember learning how to <a href="https://www.youtube.com/watch?v=hrSs_DiJ-ZA&amp;spfreload=10">sew a button onto a shirt</a> when I was 10 years old. All these years later, I still use this skill, and it saves me money in the clothing department. Most shirts come with one or two extra buttons. And you can pick up a simple sewing kit at most stores (even grocery and drug stores). Then just thread your needle and go! (See also: <a href="http://www.wisebread.com/50-ways-to-save-money-on-clothing?ref=seealso">50 Ways to Update Your Wardrobe on the Cheap</a>)</p> <p><em>What frugal skills do you think everyone should know? Please share in comments &mdash; with a video, if you can!</em></p> <a href="http://www.wisebread.com/learn-all-the-frugal-skills-you-need-with-these-9-great-video-tutorials" class="sharethis-link" title="Learn All the Frugal Skills You Need With These 9 Great Video Tutorials" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/learn-all-the-frugal-skills-you-need-with-these-9-great-video-tutorials">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-14"> <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/4-money-resolutions-you-should-skip-this-year">4 Money Resolutions You Should Skip This Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-scientific-reasons-to-ditch-the-luxury-brands">5 Scientific Reasons to Ditch the Luxury Brands</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-35-best-ways-to-spend-your-free-time-frugally">The 35 Best Ways to Spend Your Free Time (Frugally)</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/21-ways-to-make-a-big-financial-change">21 Ways to Make a Big Financial Change</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/30-free-ways-to-cheer-yourself-up">30 Free Ways to Cheer Yourself Up</a></span> </div> </li> </ul> </div> </div> </div> </div> Frugal Living Personal Development life skills money saving skills Tue, 09 Dec 2014 22:00:09 +0000 Ashley Marcin 1264949 at http://www.wisebread.com 10 Reasons You Should Call in Sick Today http://www.wisebread.com/10-reasons-you-should-call-in-sick-today <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-reasons-you-should-call-in-sick-today" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/sick-woman-phone-call-525952857-small.jpg" alt="sick woman phone" title="sick woman phone" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Downtime is a prerequisite of productivity. Research shows that we actually need rest to not only perform at our peak, but to perform well, period. A 2010 LexisNexis survey of 1,700 white collar workers from the U.S., China, South Africa, the U.K., and Australia revealed that employees spend more than half their workdays receiving and managing information. What's more, half of those surveyed workers confessed that they were <a href="http://www.lexisnexis.com/en-us/about-us/media/press-release.page?id=128751276114739">reaching a breaking point</a> after which they would not be able to accommodate the deluge of data. (See also: <a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress?ref=seealso">20 Free or Really Cheap Ways to Reduce Stress</a>)</p> <p>&quot;<a href="http://opinionator.blogs.nytimes.com/2012/06/30/the-busy-trap/?_r=0">Idleness is not just a vacation</a>, an indulgence or a vice; it is as indispensable to the brain as vitamin D is to the body, and deprived of it we suffer a mental affliction as disfiguring as rickets,&quot; essayist Tim Kreider wrote in The New York Times. &quot;The space and quiet that idleness provides is a necessary condition for standing back from life and seeing it whole, for making unexpected connections and waiting for the wild summer lightning strikes of inspiration &mdash; it is, paradoxically, necessary to getting any work done.&quot;</p> <p>So read on for our roundup of the best, most legitimate reasons you should call in sick today.</p> <h2>1. You Need to Memorize a Lot of New Information</h2> <p>Remember how those vocabulary words would click better the morning after a long study session? That's because <a href="http://www.scientificamerican.com/article/mental-downtime/">memory depends on sleep</a>. When our brains take pause from learning something new, all that recently accumulated data gets etched into the tissue of our minds so that it's at the ready for real-world application. It stands to reason that a day of rest might be just what you need to solidify all that new information.</p> <h2>2. You Long to Be Anywhere But the Office</h2> <p>Taking <a href="https://hbr.org/2009/10/making-time-off-predictable-and-required/ar/pr">a deliberate periodic rest</a> has been found to make workers more satisfied with their jobs and more likely to envision a long-term future at the company that currently employs them. Even a single day off during the regular five-day work week has been shown to make workers not only more productive, but also more prideful in their work. &quot;A short vacation is like a cool shower on an oppressively muggy summer day &mdash; <a href="http://www.scientificamerican.com/article/mental-downtime/">a refreshing yet fleeting escape</a>,&quot; writes Scientific American writer Ferris Jabr.</p> <h2>3. Your Creative Spark Needs Rekindling</h2> <p>When we're overworked, our creative energy tends to be the first thing to go. To get it back, we need rest and time away from our work. &quot;In the breaks, that's where <a href="http://www.fastcompany.com/3029294/work-smart/why-you-need-to-stop-bragging-about-how-busy-you-are">the 'aha moment'</a> comes,&quot; said Brigid Schulte, author of <a href="http://www.amazon.com/Overwhelmed-Work-Love-Play-When/dp/149153057X">Overwhelmed: Work, Love and Play When No One Has the Time</a>.</p> <h2>4. You've Been Yelling At Your Spouse and Kids</h2> <p>We all have work frustrations, but not all of us feel comfortable expressing them in the office. So in turn we cope with them at home. If you've been treating your family unfairly due to work-related angst and stress, it's probably time for a time-out.</p> <h2>5. You Haven't Been Sleeping Well</h2> <p>Studies show that if insomnia, apnea, and other kinds of sleep disturbances were eliminated, the total cost of worker sick days could be cut by 28%. &quot;It is well known that chronic sleep deficiency causes several daytime impairments,&quot; said Borge Sivertsen, a researcher at the Norwegian Institute of Public Health. &quot;Our ability to sustain attention and maintain peak cognitive performance is significantly reduced if we are sleep deprived over longer periods.&quot; So <a href="http://www.foxnews.com/health/2014/09/12/sleeping-seven-to-eight-hours-night-linked-to-taking-fewer-sick-days/">if you wake up in the morning still feeling bleary-eyed</a>, Siversten said the remedy is most likely more sleep.</p> <h2>6. You're Stressed Out</h2> <p><a href="http://www.leadershipethicsonline.com/2010/12/25/stress-effects-on-executive-performance-mental-health/">Long-term stress and anxiety actually changes our brain chemistry</a>, making us over-sensitive and even paranoid. If you're beginning to experience these symptoms, experts say it's best to pull yourself out of that stressful environment and give your brain a chance to shock itself back to normal.</p> <h2>7. You're Dealing With a Personal Crisis</h2> <p>When we're dealing with emotional trauma from things like depression, the death of a friend or family member, or divorce, it's nearly impossible that our job performance won't suffer. That's because we perform better and are more likely to <a href="http://www.nytimes.com/2011/09/04/opinion/sunday/do-happier-people-work-harder.html">come up with the next big idea</a> when we're emotionally sound and happy. The only way to overcome a personal crisis, and thereby get your job performance back on track, is by taking the time to deal with it head-on.</p> <h2>8. Your Child Is Home Sick From School</h2> <p>Most employers have a policy about staying home from work when your child is sick and unable to attend childcare or school. That's because one of the most important parts of parenting is being there when your child is ill and needs you most. Don't forget to <a href="http://work.chron.com/deal-boss-child-sick-2032.html">alert your boss early if your child has a serious illness</a> and you think you may need more than one day away from the office.</p> <h2>9. You're Burnt Out</h2> <p>The only way to pull yourself back up after you've worked yourself into the ground is to take a little breather. Man is not machine, and if you keep pushing yourself to act like the Energizer Bunny, it's only a matter of time before you're bound to crash and burn. (See also: <a href="http://www.wisebread.com/4-signs-youre-burned-out-and-how-to-recover?ref=seealso">4 Signs You're Burned Out</a>)</p> <h2>10. You're Actually Sick</h2> <p>Coughing at your cubicle all day is downright discourteous, especially toward the other bodies in the room that are trying to stay healthy. And research shows it doesn't pay off in the performance review department, either. A British study found that <a href="http://www.theworkfoundation.com/Assets/Docs/AXA%20event/FINAL%20Why%20do%20employees%20come%20to%20work%20when%20ill.pdf">45% of employees attend work while sick</a> at least once during an average four-week period. And those who most frequently attend work despite illness score lower on performance reviews than their colleagues who are more apt to call in sick, according to the study.</p> <p><em>When do you call in sick?</em></p> <a href="http://www.wisebread.com/10-reasons-you-should-call-in-sick-today" class="sharethis-link" title="10 Reasons You Should Call in Sick Today" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/10-reasons-you-should-call-in-sick-today">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-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-have-a-better-day-at-work">7 Ways to Have a Better Day at Work</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-are-what-you-do-16-ways-to-improve-your-body-language">You Are What You Do: 16 Ways to Improve Your Body Language</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-create-a-financial-5-year-plan">How to Create a Financial 5 Year Plan</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-secret-to-time-management-and-work-life-balance">The Secret to Time Management and Work-Life Balance</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-6-best-reasons-to-quit-your-job">The 6 Best Reasons to Quit Your Job</a></span> </div> </li> </ul> </div> </div> </div> </div> Career and Income Personal Development calling in sick me days personal time sick sick days Tue, 09 Dec 2014 10:00:13 +0000 Brittany Lyte 1264765 at http://www.wisebread.com