how to http://www.wisebread.com/taxonomy/term/4959/all en-US How to Deal With Reverse Culture Shock When Returning Home http://www.wisebread.com/how-to-deal-with-reverse-culture-shock-when-returning-home <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-deal-with-reverse-culture-shock-when-returning-home" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/teenage_girl_on_a_road_trip_with_car.jpg" alt="Teenage girl on a road trip with car" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While culture shock has long been a widely acknowledged experience, reverse culture shock has taken a little more time to gain the same understanding. Returning home after a period of travel or living abroad should seemingly be an easy process, but in reality it can be extremely tough.</p> <p>Everything is so familiar, but aspects seem completely foreign to you. You might feel like a totally different person, while people at home may appear to have stood still. Or alternatively, you might think you&rsquo;ve come back to a place you know well, only to discover that the people you used to associate with have changed dramatically. Local slang, fashions, tastes, and even technologies could have moved on, leaving you scratching your head over how to use the new ATM.</p> <p>Psychologically, all of these feelings can be difficult to come to terms with when you return home. But there are a number of ways to make the transition a little smoother.</p> <h2>1. Prepare yourself</h2> <p>One of the best ways to deal with reverse culture shock is to approach it head on before you&rsquo;ve even set foot on home soil. By recognizing what it is and how it may affect you, you can avoid some of the initial shock. Reading other people&rsquo;s experiences or advice about returning home, like in Craig Storti's <a href="http://amzn.to/2qTfnkF" target="_blank"><em>The Art of Coming Home</em></a>, will give you an understanding of what to expect and how you might feel. By anticipating that it could be a difficult transition, you&rsquo;ll give yourself a head start on the adjustment period.</p> <h2>2. Write about your experience</h2> <p>Even though your friends and family may show an initial interest in your time away, they&rsquo;ll soon get tired of you starting every sentence with &ldquo;When I was in&hellip;&rdquo; Though it&rsquo;s important to talk about your experiences, you should find a way to do it without alienating those around you, and writing can be the perfect outlet.</p> <p>Writing in a journal is a great way to explore your inner feelings and get them out instead of bottling them all up inside of you. If you still feel the need to share your experiences with other people, consider starting a blog about your travels. You can then send your friends and family a link to the blog and if they have time, they can read about your stories and browse your photos at their leisure. (See also: <a href="http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers?ref=seealso" target="_blank">The 3 Best Jobs for Expats and Travelers</a>)</p> <h2>3. Exercise</h2> <p>Many people who spend a long period away from home find that they exercise far more than they used to because they&rsquo;re exploring their surroundings, often on foot or by bike, and trying out new activities like surfing, hiking, or skiing. Coming home can mean the end of this upsurge in physical activity.</p> <p>Not surprisingly, weight gain can be a side effect of reverse culture shock. I have personally come home after a long trip away and gained upward of 10 pounds within the first week. This is a result of a combination of not exercising as much as I was while on the road, and trying to eat all of the familiar foods I had missed while traveling.</p> <p>The trick is to replicate the exercise you were doing while away, or replace it with other fun, physical activities in your area. Exercise has been shown to have a multitude of positive benefits, not only physically, but also on our mental health. Boost your endorphins and harness the power of exercise to lift your mood.</p> <p>You don&rsquo;t have to spend hundreds of dollars for a gym membership, either. Taking regular walks or getting yourself a bike that you use as your main method or transportation will suffice. (See also: <a href="http://www.wisebread.com/10-surprising-non-physical-benefits-of-exercise?ref=seealso" target="_blank">10 Surprising, Non-Physical Benefits of Exercise</a>)</p> <h2>4. Reconnect with old friends and family</h2> <p>One of the best things about coming home is getting to see all the special people in your life whom you missed while away. Arrange to see as many of them a possible as soon as you can, and this way you&rsquo;ll offset that initial deflated feeling.</p> <p>Do be aware, however, that things might have changed, the dynamics of your relationships may be different, and you might find yourself having grown apart from some people. This is both normal and OK, so long a you&rsquo;re prepared for it.</p> <p>It's also helpful to find friends who travel frequently, or who recently came back from a trip, so that you can connect with them through a shared love of travel. Facebook is a good way to see which of your friends are frequent travelers.</p> <h2>5. Join travel forums</h2> <p>Even though your friends and family might grow tired of hearing about your adventures, there are plenty of people out there who will relish the opportunity. Online travel forums provide a platform for you to share your experiences with people who want to hear them. Some people will appreciate the knowledge you&rsquo;ve picked up, and others will be in similar circumstances and keen to reminisce. Either way, you&rsquo;ll be talking to like-minded people whom you have plenty in common with.</p> <h2>6. Stay busy</h2> <p>Coming home can feel like a huge backward step, particularly if you&rsquo;ve been leading an exciting life, packed with adventure. A downward shift in pace can be difficult to deal with, and the boredom that comes with it can lead you into a funk.</p> <p>To avoid this, it&rsquo;s important to keep yourself busy. Rather than spending days on the couch catching up on Netflix, get yourself out there. Join clubs, take up new hobbies, explore your old neighborhood again, meet new people, and stay active. (See also: <a href="http://www.wisebread.com/25-hobbies-you-can-start-for-under-10?ref=seealso" target="_blank">25 Hobbies You Can Start for Under $10</a>)</p> <h2>7. Indulge in everything you've missed</h2> <p>There are undoubtedly things that you&rsquo;ve missed about home while you&rsquo;ve been away, whether it&rsquo;s your favorite cereal, your favorite shows, or the nature in your local park. Letting yourself indulge in everything that you&rsquo;ve pined for is a brilliant way of reassimilating and reminding yourself of the good aspects of being home.</p> <p>Eat all of your favorite foods, visit all of your most loved places, and do all the things that you enjoyed doing before you left. You&rsquo;ll quickly appreciate the positive things about being back, rather than seeing the faults.</p> <h2>8. Seek new experiences</h2> <p>You may have been meeting interesting, new people on a daily basis while on the road, regularly trying new foods, and frequently ticking once-in-a-lifetime activities off your bucket list. To stop yourself from feeling like you&rsquo;re going from 100 mph to stationary overnight, keep that excitement going by actively seeking out new experiences. Just because you&rsquo;re back in your old home doesn&rsquo;t mean you have to slip back into the same routines. Head out and rediscover your surroundings from a different perspective, and look for new experiences you can have in your area.</p> <h2>9. Plan your next trip</h2> <p>Returning home doesn&rsquo;t have to mean staying there forever. You may need to take a hiatus from traveling while you look for a job, save up money, and get yourself re-established in your old community. But if you want to travel more, make it a goal and formulate plans for your next adventure, whether it&rsquo;s a weeklong vacation or another extended journey somewhere. (See also: <a href="http://www.wisebread.com/how-to-wisely-choose-your-next-travel-destination?ref=seealso" target="_blank">How to Wisely Choose Your Next Travel Destination</a>)</p> <p>That doesn&rsquo;t mean mentally living in the future. Do your best to be present while you acclimate to your old surroundings and re-establish your life there. But there&rsquo;s no harm in dreaming about where you&rsquo;d like to go next. It&rsquo;s always good to have something to look forward to.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/how-to-deal-with-reverse-culture-shock-when-returning-home">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-amazing-affordable-honeymoon-destinations">4 Amazing, Affordable Honeymoon Destinations</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/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-live-the-location-independent-lifestyle">How to Live the &quot;Location Independent&quot; Lifestyle</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-fun-affordable-travel-ideas-for-singles">6 Fun, Affordable Travel Ideas for Singles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel culture shock how to how to deal reverse culture shock travel advice travel lessons travel tips Tue, 16 Jan 2018 09:30:10 +0000 Nick Wharton 2087347 at http://www.wisebread.com Your Comprehensive Checklist for a Successful Balance Transfer http://www.wisebread.com/your-comprehensive-checklist-for-a-successful-balance-transfer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/your-comprehensive-checklist-for-a-successful-balance-transfer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_laptop_credit_card_850824114.jpg" alt="Woman managing her credit card accounts" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Balance transfers can be an extremely helpful tool for those laden with credit card debt. A <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal" target="_blank">0% APR offer on balance transfers</a> can give users some breathing room from having interest piled onto their debt month after month. (See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso" target="_blank">Fastest Way to Pay Off $10k Credit Card Debt)</a></p> <p>The 0% APR promotional period can last between six and 21 months. During that period, interest won't accrue on the balance, allowing each month's payment to go entirely to the principal. If you can pay down your debt entirely during this period, you can save a lot of money and cut down the time it would take you to pay it down otherwise. (See also: <a href="http://www.wisebread.com/when-to-do-a-balance-transfer-to-pay-off-credit-card-debt?ref=seealso" target="_blank">When to Do a Balance Transfer to Pay Off Credit Card Debt</a>)</p> <p>But, balance transfers can be complex. There are details you need to be aware of to make sure you actually save money and pay down your debt. With that in mind, we've created a checklist of everything you should do when considering and executing a balance transfer. We've listed the short version first, and will go over every point in detail below.</p> <h2>The checklist</h2> <ol> <li>Check your credit score to see which balance transfer cards you might qualify for.<br /> &nbsp;</li> <li>If your credit is bad, take steps to improve it first.<br /> &nbsp;</li> <li>Compare offers to find the best card for your needs.<br /> &nbsp;</li> <li>Apply for a balance transfer card with a bank that's different from the one you want to transfer from.<br /> &nbsp;</li> <li>Avoid jumping on too many cards at once.<br /> &nbsp;</li> <li>Consider how much debt you want to transfer.<br /> &nbsp;</li> <li>Calculate whether you'll save money if you have to pay a balance transfer fee.<br /> &nbsp;</li> <li>Have a Plan B if you're not approved for the card you want &mdash; or if the credit line is too small.<br /> &nbsp;</li> <li>Come up with a plan to pay down your balance within the intro period.<br /> &nbsp;</li> <li>Transfer your balances right away.<br /> &nbsp;</li> <li>Keep paying on your old card until you're sure the balance transfer has gone through.<br /> &nbsp;</li> <li>Avoid using your balance transfer card for purchases.<br /> &nbsp;</li> <li>Make payments on your balance transfer card on time.<br /> &nbsp;</li> <li>Pay as much as you can each month to get out of debt faster.<br /> &nbsp;</li> <li>Ignore rewards until you are debt-free.<br /> &nbsp;</li> <li>Resist the temptation to rack up debt on your old card.<br /> &nbsp;</li> <li>Consider whether you should close your old credit card.<br /> &nbsp;</li> <li>Avoid being a serial balance transferrer.</li> </ol> <h2>Explanations</h2> <h3>1. Check your credit score to see which balance transfer cards you might qualify for</h3> <p>Before you apply for a new balance transfer credit card, it makes sense to check your credit score to see whether you will qualify for the best offers on the market. Nearly all 0% offers require excellent or good credit. That means a FICO score of 670+. If you're on the lower end of this range you may get approved, but for a higher APR once the promotional period expires.</p> <p>You can get a free estimate of your credit score online through services such as <a href="https://www.creditsesame.com/" target="_blank">Credit Sesame</a> or <a href="https://www.creditkarma.com/" target="_blank">Credit Karma</a>. Many credit cards also offer free credit scores these days. They won't be the exact same scores that the credit card companies use to approve applications, but they'll give you a good idea of where you stand.</p> <h3>2. If your credit is bad, take steps to improve it first</h3> <p>Let's say you check your credit score and find out that it's not looking too hot. According to <a href="http://myfico.7eer.net/c/27771/93942/2185" target="_blank">myFICO</a>, any score below 580 is considered poor.</p> <p>If you fall into the poor credit category, it's very unlikely you'll qualify for a 0% balance transfer offer. In this case, you may be better off waiting and taking steps to improve your score instead.</p> <p>Steps that can <a href="http://www.wisebread.com/how-to-rebuild-your-credit-in-8-simple-steps?ref=internal" target="_blank">improve your credit score quickly</a> include paying all your bills on time, refraining from making more charges, and paying down debt.</p> <h3>3. Compare offers to find the best card for your needs</h3> <p>Once your credit is in good enough shape, it's time to compare offers. While it's tempting to jump on the first balance transfer offer that comes in the mail, take time to consider your options before you pull the trigger. Peruse each bank's credit card website and look for these factors:</p> <ul> <li><strong>Introductory offer period:</strong> Promotions can range from six months to 21 months at 0% APR. If you have a lot of debt to pay off and need as much time as possible, that's a huge difference.<br /> &nbsp;</li> <li><strong>Go-to rate:</strong> This is the APR you will pay on any new purchases from the start, and on your transferred balance once the promotional period ends.<br /> &nbsp;</li> <li><strong>Balance transfer fee</strong>: Although there are a few&nbsp;<a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=internal" target="_blank">cards with no balance transfer fees</a>, the vast majority of balance transfer credit cards charge a fee equal to 3&ndash;5% of your balance.</li> </ul> <p>Beyond those factors, check for other perks. For example, some balance transfer cards have no foreign transaction fees, and others offer rewards and consumer benefits like guaranteed returns and extended warranties. These benefits may be valuable once you've paid off your balance and want to keep a good card for future, responsible use. (See also: <a href="http://www.wisebread.com/which-balance-transfer-credit-card-is-the-best-for-you?ref=seealso" target="_blank">Which Balance Transfer Credit Card Is Best for You?</a>)</p> <h3>4. Apply for a balance transfer card with a bank that's different from the one you want to transfer from</h3> <p>Before you apply for a balance transfer card, make sure it's offered by a different bank than the one you're transferring from. Most card issuers won't let you transfer balances among their own cards, and you might not know this until after you've been approved for the balance transfer card. To avoid an issue, only apply for balance transfer cards from a different bank.</p> <h3>5. Avoid jumping on too many cards at once</h3> <p>You might be impatient to get started with your balance transfer, or figure you can apply for several in case you get denied by a few. But since applying for a credit card will result in a hard inquiry, this will lower your score temporarily, which may have a negative effect on one or more of your applications. And even if you do get approved for several, this will affect your credit as well.</p> <p>Your FICO score is based on several factors, one of which is the amount of new credit you have. New credit makes up 10% of your score, so getting too many new cards in a hurry can cause your score to drop. And since another 15% of your FICO score is determined based on the length of your credit history, new cards can shorten your history and cause your score to dip in that way, too. (See also: <a href="http://www.wisebread.com/the-5-things-with-the-biggest-impact-on-your-credit-score?ref=seealso" target="_blank">5 Things With the Biggest Impact on Your Credit Score</a>)</p> <h3>6. Consider how much debt you want to transfer</h3> <p>One benefit of balance transfer cards is that you can consolidate multiple debts. If you've maxed out several credit cards and are having trouble keeping all the payment dates straight, you may be accidentally paying late and accruing late fees. Transferring all those balances to one card would give you just one card and monthly bill to keep track of.</p> <p>You may be able to move other debts to your new card, too. You could use checks that come with the credit card to transfer loans from cars, furniture, and other monthly installment payments. This will, of course, all depend on the credit limit you are given. (See also: <a href="http://www.wisebread.com/5-tricks-to-consolidating-your-debt-and-saving-money?ref=seealso" target="_blank">5 Tricks to Consolidating Debt and Saving Money</a>)</p> <p>When considering transferring multiple debts to a new card, keep in mind that you may not want to transfer more debt than you can pay off during the intro 0% period. It depends on the go-to rate of your balance transfer card. If the go-to rate is 22% and the rest of your debts have more moderate rates of 10&ndash;15%, for instance, it may make sense to transfer <em>less </em>than the full balance from even just one card.</p> <p>To determine the right transfer amount, figure out what monthly payments you can comfortably afford and multiply that number by the number of months in the promotional period of whichever card you're considering. Only transfer that amount. If you do the math, the higher APR after the promotional period will eat up all the savings you received during the 0% interest period. It's better to keep whatever balance you can't pay off on a lower APR card or loan.</p> <h3>7. Calculate whether you'll save money if you have to pay a balance transfer fee</h3> <p>While balance transfer credit cards offer a rare opportunity to pay off debt without interest, the privilege of transferring a balance usually comes at a cost. Typically, you will have to pay a balance transfer fee of 3&ndash;5%.</p> <p>That means you'll pay $300 to $500 for every $10,000 in debt you transfer. While that may seem like a lot, it's easy to see why the math can work.</p> <p>An example: If you're carrying $10,000 in credit card debt at 18% APR and you pay $500 per month, you'll pay a total of $1,978 in interest before finally eliminating your balance in 24 months.</p> <p>Let's say instead you transfer that balance to a card with a 5% balance transfer fee and a promotional zero-interest period of 21 months. You'd pay $500 for the fee, but if you put the same $500 per month toward your balance, you'd pay off the entire balance in 21 months, with no further interest. You'd have saved $1,478, and paid off your debt three months earlier.</p> <p>Other offers you might find might include cards with a $0 balance transfer fee, but at a shorter intro period. For example, you might see a card offering $0 balance transfer fee but with only a 12 month 0% intro period. In that case, if you transferred $10,000 and paid $500 per month, at the end of 12 months, you'd have a $4,000 balance. If the go-to rate is 18%, it would take you another nine months to pay it off. The interest you paid would be $294. This is cheaper than the $500 balance transfer fee in the previous example.</p> <p>The longer promotional period might have seemed much more attractive, but when you do the math, you find the other offer is better, in this example.</p> <p>Note: In the above example, the go-to rate of the new balance transfer card is the same as the APR of the card you have existing debt on. Usually, balance transfer cards have very high APRs. That's why you <em>never</em> transfer more than you can pay off in the promotional period. You always try to keep your debt on the card with the lowest APR. (See also: <a href="http://www.wisebread.com/6-hidden-dangers-of-credit-card-balance-transfers?ref=seealso" target="_blank">6 Hidden Dangers of Balance Transfer Credit Cards</a>)</p> <h3>8. Have a Plan B if you're not approved for the card you want &mdash; or if the credit line is too small</h3> <p>By this point, you may have narrowed down the cards you're considering and have chosen one top pick that you want to apply for. But don't get rid of those other options just yet.</p> <p>Keep in mind that you may not get approved for the card you want. And even if you do, your new credit line may not be big enough to transfer the amount you want. You'll need a backup plan for how to manage the remaining balance, which may involve applying for another balance transfer card.</p> <p>It pays to have a list of other cards and offers for this eventuality, and also in case you don't get approved for your top choice. Some card issuers may be more willing to approve you when others say no.</p> <p>Keep in mind, too, that your current cards can offer balance transfers as well. They probably won't offer you a 0% period, but they might be willing to lower their APRs, and maybe even waive a balance transfer fee. This can be a good alternative if you just can't get a card with a 0% offer.</p> <h3>9. Come up with a plan to pay down your balance within the intro period</h3> <p>Even before you've been approved for a balance transfer card, it's important to have your endgame in mind. As we mentioned above, it's best to pay off your full balance within the card's promotional 0% interest period. Once the promotion expires, your credit card's interest rate will revert to whatever APR is listed in your card's terms and conditions. If it is higher than the APR on your current card, you definitely want to ensure that the entire balance is paid off before the go-to APR goes into effect. Mark your calendar, set up an alert &mdash; don't miss the deadline. (See also: <a href="http://www.wisebread.com/this-trick-could-help-you-finally-pay-off-your-debt?ref=seealso" target="_blank">This Trick Could Help You Pay Off Your Debt</a>)</p> <h3>10. Transfer your balances right away</h3> <p>While offers on balance transfer cards can vary, almost all set a time limit on when you need to transfer a balance to qualify for the introductory offer. With many cards, that's 30 or 60 days after approval.</p> <p>If you forget to transfer your balances within the prescribed timeline, you won't get the promotional 0% APR and you will have wasted an opportunity. Not only that, you'd have lost those days of 0% APR. The clock for the promotional period starts ticking usually as soon as you're approved, <em>not</em> when you actually transfer a balance. In order to take full advantage of it, you need to transfer your balance right away.</p> <p>If you get approved immediately via an online application, you might want to go ahead and give them call to see if you can transfer a balance immediately. If you've been approved, there's no reason why you have to wait for your actual card to be in the mail, usually another 10 days, to make the transfer.</p> <h3>11. Keep paying on your old card until the balance transfer has gone through</h3> <p>Often, people will fill out the paperwork for their new balance transfer credit card, then figure the deal is done. Since they assume it's all squared away, they don't make the next payment on their old credit card.</p> <p>But it typically takes about a week for a balance transfer to go through &mdash; sometimes longer. If you miss a payment on your old credit card before your balance is transferred, you can face a late payment fee. Not only that, but your credit score may take a hit.</p> <p>Before you stop making payments on your old credit cards, make sure all your balances have been successfully transferred to your new balance transfer card. Once you're sure, you can stop making payments on your old cards.</p> <h3>12. Avoid using your balance transfer card for purchases</h3> <p>While your primary purpose for a balance transfer card should be to pay off existing debt, you <em>can</em> take your balance transfer card to the store and charge purchases like you would with any other card.</p> <p>Just because you can doesn't mean you should. Although some balance transfer cards offer 0% APR on purchases as well as balance transfers, many don't. If you happen to get a card that doesn't extend the promotional rate to purchases and you use it to buy something, you'll be charged the card's regular interest rate on those purchases. Not only that, but because of the way payments are allocated, it will take you longer to pay off the balance than if you'd put it on a different card.</p> <p>The law requires credit card issuers to apply your payment to the highest-rate balance first &mdash; but there's an exception. The minimum payment amount can be applied to whichever balance (the zero-interest transferred balance, or the higher-interest new purchase balance) the card company chooses. In almost all cases, that means the minimum payment will go toward the no-interest balance, and whatever you pay above the minimum will go to the higher-interest balance. If it's not enough to clear the purchase balance, you'll now accrue more interest charges on it next month.</p> <p>Let's say you've got a $10,000 balance that you've transferred at 0%. You then buy a $300 pair of headphones, which is subject to the card's regular 18% APR. Your minimum payment is $250, and you pay $300, thinking you're paying off those headphones. But you're not really, because $250 &mdash; the minimum payment amount &mdash; will be applied to the no-interest balance, leaving only $50 to be applied toward the higher-interest headphones. Now you've still got $250 to pay on the headphones, and they're going to be assessed an interest charge that will compound every month until whenever you're able to clear that balance.</p> <p>If that hasn't convinced you to lock the balance transfer card away, also know that you won't get a <a href="http://www.wisebread.com/everything-you-didn-t-understand-about-credit-card-interest-grace-periods-and-penalty-aprs?ref=internal" target="_blank">grace period</a> on that headphone purchase, either. A grace period is the time during which you are allowed to pay your bill without having to pay interest. By law, if an issuer has a grace period, it has to be at least 21 days.</p> <p>But you only get a grace period if you're not carrying a balance. In this case, you <em>are</em> carrying your transferred balance, so you don't get a grace period, and you'll rack up interest charges from the moment you make that purchase.</p> <p>You can see why you would be better off keeping the balance transfer card in a drawer and using another form of payment for any new purchases.</p> <h3>13. Make payments on your balance transfer card on time</h3> <p>While it's never a good idea to miss a credit card payment, it can be especially bad with a balance transfer card. Bank rules vary, but sometimes paying even one day late will cost you your introductory offer. If you lose your introductory rate, you'll be stuck with a higher interest rate on the rest of your balance. Set up payment reminders or, even better, automated payments to ensure you pay your bill on time.</p> <h3>14. Pay as much as you can each month to get out of debt faster</h3> <p>During your balance transfer intro period, interest is not accruing on your debt and it won't show up in your monthly statements. That means your minimum required payment will be lower than it was on a high-interest card.</p> <p>But, if you truly want to get out of debt, you shouldn't make just the minimum payment. Your best bet is paying all you can toward your balance during your card's 0% introductory period. Since every dollar you fork over will go directly toward paying off the principal, you can use this opportunity to get out of debt faster than you would if you were still paying interest.</p> <h3>15. Ignore rewards until you are debt-free</h3> <p>Many balance transfer cards try to tempt consumers with a rewards program. The problem is, rewards have a way of getting people to spend when they should really be paying off debt.</p> <p>Obviously, falling into this trap can be a big mistake. As we explained earlier, new purchases on a balance transfer card may take longer to pay off than on a regular credit card.</p> <p>The best thing you can do when transferring a balance is focus on paying off debt and worry about rewards later. No amount of rewards will be worth it if you spiral further into debt.</p> <h3>16. Resist the temptation to rack up debt on your old card</h3> <p>Once you've zeroed out your balance to your old credit card, it can feel like a huge relief. You've got months to pay off the old balance on the new card, and that can give you some much needed breathing room.</p> <p>But don't get so complacent that you then are tempted to put a bunch of new purchases on your old card. Before you know it, you could have another large balance on your hands. Then you're in a worse situation than when you started.</p> <p>The idea of balance transfer cards is to delete your debts. If you decide to put purchases on your old card, only charge as much as you can pay off every month. Otherwise, you may be better off paying with cash or a debit card until you're debt-free.</p> <h3>17. Consider whether you should close your old credit card</h3> <p>Along those same lines, you may decide it's best to just close your old account. This especially makes sense if that card charges an annual fee.</p> <p>However, realize that every time you close a card, you lower the amount of available credit you have, which raises your&nbsp;<a href="http://www.wisebread.com/this-one-ratio-is-the-key-to-a-good-credit-score?ref=internal" target="_blank">credit utilization ratio</a> &mdash; the amount of debt you have compared to the total of all your credit lines. This will ding your credit score.</p> <p>One alternative to closing the card is to put it away in a safe place and keep it barely active by putting a small recurring charge on it such as a video subscription service. (See also:&nbsp;<a href="http://www.wisebread.com/5-times-its-okay-to-close-a-credit-card?ref=seealso" target="_blank">5 Times It's Okay to Close a Credit Card</a>)</p> <h3>18. Avoid being a serial balance transferrer</h3> <p>If you fail to pay off your transferred balance before the intro 0% period expires, it may make sense to then get another balance transfer card to help tackle the rest of your balance. But it's not a good idea to make it a habit. Not only could this become costly if you pay a balance transfer fee every time, but it also means you'll stay in debt a lot longer. To get the most out of a balance transfer card, you need to buckle down and stay focused on the real goal &mdash; getting out of debt, once and for all.</p> <p>What's more, hopping from one balance transfer card to another while maintaining high debt levels makes lenders see you as a risk. That will make it harder for you to borrow money or get approved for other credit card or loan offers.</p> <p>Take a look over this checklist before you sign up for a balance transfer card. Zero-interest offers can be a great way to tackle your debt, but only if you consider all the costs, choose the right card for you, and then adhere to a plan to pay off your debt once and for all. (See also: <a href="http://www.wisebread.com/5-day-debt-reduction-plan-pay-it-off?ref=seealso" target="_blank">5-Day Debt Reduction Plan</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fyour-comprehensive-checklist-for-a-successful-balance-transfer&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FYour%2520Comprehensive%2520Checklist%2520for%2520a%2520Successful%2520Balance%2520Transfer.jpg&amp;description=Your%20Comprehensive%20Checklist%20for%20a%20Successful%20Balance%20Transfer"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Your%20Comprehensive%20Checklist%20for%20a%20Successful%20Balance%20Transfer.jpg" alt="Your Comprehensive Checklist for a Successful Balance Transfer" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/your-comprehensive-checklist-for-a-successful-balance-transfer">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/step-by-step-guide-to-doing-a-balance-transfer-on-credit-cards">Step-by-Step Guide to Doing a Balance Transfer on Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-your-personal-guarantee-on-a-business-credit-card-mean">What Does Your Personal Guarantee On a Business Credit Card Mean?</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-win-a-fraud-dispute-with-your-credit-card-company">How to Win a Fraud Dispute With Your Credit Card Company</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/fastest-way-to-pay-off-10000-in-credit-card-debt">The Fastest Way to Pay Off $10,000 in Credit Card Debt</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chase-slate-visa-review">Chase Slate&amp;reg; Review: Balance Transfers With No Intro Fee</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Credit Cards balance transfer checklist credit card tips how to personal finance tips Wed, 03 Jan 2018 09:30:11 +0000 Holly Johnson 2082183 at http://www.wisebread.com How to Make Money by Creating YouTube Videos http://www.wisebread.com/how-to-make-money-by-creating-youtube-videos <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-money-by-creating-youtube-videos" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/healthy_lifetyle_vlog.jpg" alt="Healthy lifestyle vlog" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you&rsquo;ve ever lost an afternoon to watching videos on YouTube, you know how easy it is to find videos on just about anything you can imagine. This wildly successful video platform has revolutionized the way people consume media, and has provided people who have no previous media connections the opportunity to make money by creating and uploading their own content.</p> <p>Sure, you&rsquo;ve probably heard of YouTube megastars who have vast numbers of subscribers and are making millions of dollars each year through their channels. But did you know that there are also people out there who aren&rsquo;t well-known, but are still making a solid living via YouTube? (See also: <a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you?ref=seealso" target="_blank">5 Social Media Stars Who Earn Way More Than You</a>)</p> <p>Though it&rsquo;s unlikely you&rsquo;ll make it into the upper echelons of YouTube superstardom, it&rsquo;s good to have an idea of just how lucrative this platform can be. In 2016, YouTube&rsquo;s top 10 earners all made over $5 million. The top earner, controversial Swedish online gamer and prankster, PewDiePie, single-handedly raked in over $15 million. Here&rsquo;s how you, too, can earn money by creating YouTube videos.</p> <h2>1. Choose a niche</h2> <p>This is possibly the single most important step to making money from YouTube videos because it&rsquo;s going to determine your audience. It will have a huge bearing on your earnings as it&rsquo;s your audience who will ultimately attract paying advertisers. It&rsquo;s essential that you pick a niche that&rsquo;s narrow enough for you to be able to make an impact in. A small niche is easier to target and monetize, and they&rsquo;re more likely to be engaged. Yet, you want a niche that&rsquo;s popular enough that lots of people search for it.</p> <p>The best place to start when you&rsquo;re trying to find your niche is with your own interests and pastimes. If you&rsquo;re not passionate about the subject you choose, then you&rsquo;ll soon lose interest and it will come across to your audience in your videos. Choosing something that you&rsquo;re knowledgeable about and have a real interest in will make creating videos far easier and more enjoyable for you.</p> <p>Popular niches that some of the most successful YouTubers are active in include gaming, comedy, beauty and fashion, pets and animals, and music. Keep in mind that it&rsquo;s possible to pick a niche within a niche &mdash; so, rather than starting a general fitness channel, you could make videos on weight loss through running for beginners. It&rsquo;s still about running, but your audience is far more targeted within that subject. The more well-defined your niche, the better. (See also: <a href="http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money?ref=seealso" target="_blank">5 Surprising Ways Social Media Stars Make Money</a>)</p> <h2>2. Create great content</h2> <p>Initially, setting up your channel is a simple process of providing your personal details and deciding your channel name. From here, it&rsquo;s time to get the camera out and start making great content, because the ultimate aim is to get the most views possible. You&rsquo;ve probably heard the phrase &ldquo;content is king,&rdquo; and nowhere is that more relevant than on YouTube. The only way to get lots of eyes on your videos is to make them informative, engaging, and on subjects that people will find interesting.</p> <h2>3. Grow your audience</h2> <p>Once you have created a few videos, you should start trying to grow your audience. Though this will happen organically if your videos are on searchable subjects, there are some easy ways to give it a kick-start. Try doing a shoutout on social media to tap into your existing contacts there, asking them to check out your channel. Also, ask people to subscribe to your channel in your videos. The more subscribers you have, the more likely they are to return and watch more.</p> <p>Another great way to grow your channel is to be consistent and post your videos at regular intervals. This will teach your audience to know when to expect your latest video, and potentially even encourage them to look forward to and follow it like a regular TV show. Check out more ideas for growing your audience on YouTube&rsquo;s Creator Academy.</p> <h2>4. Monetize your channel</h2> <p>There are two main forms of advertising that will allow you to make money directly from YouTube&rsquo;s platform. These are display ads along the bottom of the video, and the video ads that play at the beginning of a video and can be skipped by clicking &ldquo;Skip Video&rdquo; after a few seconds. To be able to have your videos display these, you&rsquo;ll need to apply to the <a href="https://support.google.com/youtube/answer/72851?hl=en" target="_blank">YouTube Partner Program</a>. For your application to be reviewed, your channel needs to have already had 10,000 public channel views, so it may be a while before you can actually apply. And if you don't get approved, you can reapply after 30 days.</p> <p>To access your payments once they start coming in, you&rsquo;ll need to have an AdSense account. AdSense is Google&rsquo;s advertising program across its whole network of content sites. If you already have an AdSense account, you can use that. The AdSense account is where all of your payments will be processed, so it&rsquo;s an absolute necessity.</p> <p>Next, you need to set your monetization preferences by selecting the type of ads you want shown, and on which videos they should appear. To maximize your earnings, it&rsquo;s best to set them to be shown on all videos that have already been uploaded, plus future videos you upload. Alternatively, you can choose videos individually on which to display ads.</p> <p>The amount that people make through YouTube varies greatly. It all depends on your audience and value of ads shown on your videos. Luckily, <a href="https://socialblade.com/youtube/youtube-money-calculator" target="_blank">Social Blade has a useful tool</a> to help you estimate what you may be able to earn from your own channel. (See also: <a href="http://www.wisebread.com/5-ways-to-make-passive-income-online?ref=seealso" target="_blank">5 Ways to Make Passive Income Online</a>)</p> <h2>5. Expand your reach</h2> <p>Ads are not the only way of making money on YouTube. There are also indirect ways to make money from your videos. Once you have an established audience and a high number of views for your content, lots of other doors may open up. Brands love to work with popular YouTube creators to help show off their products in sponsored campaigns, and if you&rsquo;ve chosen your niche well, you don&rsquo;t necessarily need millions of subscribers. Companies are eager to speak directly to their target audience. (See also: <a href="http://www.wisebread.com/how-to-turn-your-instagram-account-into-a-paying-gig?ref=seealso" target="_blank">How to Turn Your Instagram Account Into a Paying Gig</a>)</p> <p>In addition, lots of creators use merchandise as a way to earn extra cash by selling anything from T-shirts to posters. YouTube makes it possible for you to link directly to external sites in your videos, so viewers can easily purchase the products you promote.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-make-money-by-creating-youtube-videos&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Make%2520Money%2520by%2520Creating%2520YouTube%2520Videos.jpg&amp;description=How%20to%20Make%20Money%20by%20Creating%20YouTube%20Videos"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Make%20Money%20by%20Creating%20YouTube%20Videos.jpg" alt="How to Make Money by Creating YouTube Videos" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/how-to-make-money-by-creating-youtube-videos">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-extra-income-with-twitter">How to Earn Extra Income With Twitter</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-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</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-ways-to-make-money-off-of-your-new-years-resolutions">7 Ways to Make Money Off of Your New Year&#039;s Resolutions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-online-affiliate-programs-that-can-make-you-extra-cash">3 Online Affiliate Programs That Can Make You Extra Cash</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-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Technology content creator extra cash how to influencer side hustle side job YouTube youtube videos Wed, 22 Nov 2017 09:30:10 +0000 Nick Wharton 2057049 at http://www.wisebread.com Colorstrology and 3 Modern Décor Trends That Will Fit Any Budget http://www.wisebread.com/colorstrology-and-3-modern-d-cor-trends-that-will-fit-any-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/colorstrology-and-3-modern-d-cor-trends-that-will-fit-any-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_and_woman_dreaming.jpg" alt="Man and woman dreaming" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Changing the look of your home doesn't need to cost much. You can clear the clutter and use items you already own to completely change the feel of your space. Here's how you can breathe new life into your casa with these affordable modern décor trends.</p> <h2>Colorstrology</h2> <p>Colorstrology is a hybrid of astrology, numerology, and <a href="https://www.pantone.com/colorstrology" target="_blank">Pantone colors</a>. Astrologist Michele Bernhardt created a calendar and corresponding book, <a href="http://amzn.to/2tWZWs8" target="_blank">Colorstrology: What Your Birthday Color Says about You</a>, with a different Pantone color assigned to each day of the year, as well as one for each month. The colors are chosen based on ruling planets, sun signs, and other important dates and numbers. While there is quite a bit of science and success backing the new colorful trend, a lot of it is psychological.</p> <p>As an example, <a href="http://goop.com/better-than-a-horoscope-what-your-colorstrology-profile-says-about-you/" target="_blank">Bernhardt told Goop</a> that if you're looking for help with your relationship, &quot;You might go to October's color, which is a light blue that is very peaceful and gentle; it helps bring harmony and balance. Or February &mdash; a high vibration purple &mdash; is a great color for people who are intense, and trying to learn how to be more detached and collaborative. Lilac and lavender can help us love without being too clingy.&quot;</p> <h3>How to use the colors</h3> <p>Incorporating these colors into your décor can help bring about positive energy. For instance, you can add a splash of color to any room by painting the trims or one accent wall with a shade in your birthday month color. You can also move certain items into different rooms so they are more color-coordinated, based on the shades you select.</p> <p>Along with using these colors throughout your décor, you can also wear these power colors throughout your clothing, accessories, or makeup each day to capitalize on the positive vibes. Mindful color selection like this might require some time to get organized, but it should cost you very little money to execute.</p> <h2>Minimalism</h2> <p>Minimalism is about more than just cleaning and decluttering the house. It's about focusing on clean design, neutral or muted colors, sharp lines, and simple furnishings and décor. (See also: <a href="http://www.wisebread.com/ease-into-minimalism-with-some-simple-steps?ref=seealso" target="_blank">Ease Into Minimalism With Some Simple Steps</a>)</p> <h3>Choose quality over quantity</h3> <p>Create a cohesive look by concentrating on one simple design and complementary accent decorations. This can be accomplished by paring down to one or two accessories per room, and you can you use things you already own. Also, be sure to keep and utilize furniture that serves double duty as storage or that takes up minimal space.</p> <h3>Keep it simple</h3> <p>Once you have gotten rid of anything that you aren't excited about and narrowed your items down to just the essentials, it's time to concentrate on your personal style. Simplify your color scheme and choose textures in similar tones. Adopting a minimalist style also means easier cleanup (less to dust), and you might even make some money selling those excess items that you no longer want.</p> <h2>Maximalism</h2> <p>While minimalism is about &quot;less is more,&quot; maximalism is about &quot;more is more.&quot; Maximalism has no set rules; you can even layer different colors, textures, and styles. Things like bold wallpaper and clashing patterns are acceptable with this affordable trend. This means that you can show off your latest vintage finds or eclectic paintings with pride.</p> <h3>Use mirrors</h3> <p>If a room appears small, add a mirror to make it appear larger. If you don't want to hang a mirror, consider propping a large framed mirror against a wall. It can create drama and brighten the space instantly.</p> <h3>Display everyday items</h3> <p>Take a look around for posters or cards you already own that can be framed, unique items of clothing or shoes that can be displayed, or antique pieces that can serve as the focal point of a room.</p> <p>And if a room doesn't feel cozy, Better Homes and Gardens recommends adding a colorful throw and pillows.</p> <h2>Natural elements</h2> <p>Use items you find outside your home in nature to decorate your space. Birch tree limbs and pine cones can be spray painted in white or gold for decor. Rocks, shells, and leaves can also create beautiful (and free) art pieces or table scapes.</p> <p>This trend also encourages adding lots of greenery. If you don't have any greens of your own, pick up some inexpensive seeds to plant, or ask a friend to divide up one of their plants for you. (See also: <a href="http://www.wisebread.com/6-surprising-ways-a-houseplant-can-save-you-money?ref=seealso" target="_blank">6 Surprising Ways a Houseplant Can Save You Money</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fcolorstrology-and-3-modern-d-cor-trends-that-will-fit-any-budget&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FColorstrology%2520and%25203%2520Modern%2520D%25C3%25A9cor%2520Trends%2520That%2520Will%2520Fit%2520Any%2520Budget.jpg&amp;description=Colorstrology%20and%203%20Modern%20Decor%20Trends%20That%20Will%20Fit%20Any%20Budget"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Colorstrology%20and%203%20Modern%20D%C3%A9cor%20Trends%20That%20Will%20Fit%20Any%20Budget.jpg" alt="Colorstrology and 3 Modern Décor Trends That Will Fit Any Budget" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/colorstrology-and-3-modern-d-cor-trends-that-will-fit-any-budget">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/13-problems-you-can-solve-with-duct-tape">13 Problems You Can Solve With Duct Tape</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/18-amazing-diy-decorating-projects-that-are-easier-than-you-think">18 Amazing DIY Decorating Projects That Are Easier Than You Think</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/19-fun-cheap-projects-to-try-this-weekend">19 Fun, Cheap Projects to Try This Weekend</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-home-diy-projects-you-can-do-in-one-day">10 Home DIY Projects You Can Do in One Day</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-things-you-already-own-that-can-be-turned-into-a-tote-bag">10 Things You Already Own That Can Be Turned Into a Tote Bag</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> DIY Home colorstrology decor trends DIY home decor home goods how to maximalism minimalism Tue, 11 Jul 2017 08:30:12 +0000 Andrea Cannon 1981391 at http://www.wisebread.com 6 Affordable Home Remodel Tips for Pet Owners http://www.wisebread.com/6-affordable-home-remodel-tips-for-pet-owners <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-affordable-home-remodel-tips-for-pet-owners" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_woman_embracing_her_dog.jpg" alt="Young woman embracing her dog" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A pet can bring unbridled joy and unconditional love to your life. However, they can also leave stray hair, furniture damage, and other messes behind. Here's how you can keep your home beautiful even when you have a four-legged fur-baby shedding all over everything. (See also: <a href="http://www.wisebread.com/5-pet-costs-you-dont-see-coming?ref=seealso" target="_blank">5 Pet Costs You Don't See Coming</a>)</p> <h2>1. Opt for hard flooring</h2> <p>Install floors that can stand up to scratches and dirt. Hard flooring like vinyl, laminate, hardwood, and tile offer easy maintenance and pet cleanup, along with a great value over time. Ceramic tile is also great because it's particularly resistant to animal stains.</p> <h2>2. Choose the right carpet</h2> <p>Carpeting can be very difficult to clean, particularly with accidents and excessive hair. It can also harbor stains and make your pet allergies worse.</p> <p>If you do decide on carpeting, look for a synthetic blend option with low pile that won&rsquo;t absorb as much hair and is easier to vacuum. Also consider modular carpet tile or inexpensive rugs that can be easily picked up and cleaned or replaced.</p> <h2>3. Select washable fabrics and concealing patterns</h2> <p>Choose washable fabrics for cushion and pillow cases whenever possible so you can easily throw them in the washing machine. Fabrics with patterns can help camouflage old stains. Avoid tweed fabrics that can trap hair between the fibers.</p> <p>Look for items in colors that match your pet's fur. For instance, you wouldn't want to purchase a black couch if you have a white cat; the stray pet hair would be abundantly obvious.</p> <h2>4. Use semi-gloss wall paint</h2> <p>Flat finish paint is nearly impossible to clean. Semi-gloss paint in satin or eggshell finishes is easy to wipe down, making it more pet-friendly.</p> <h2>5. Set up a pet station</h2> <p>Convert an area by the door into a pet station. This will be for hanging leashes, walking shoes, towels, doggy bags, and anything else you need to get your pet out the door quickly. This will also come in handy on a rainy or snowy day when you need to wipe your pet off before they run around the house with wet or dirty paws.</p> <h2>6. Hide the litter box</h2> <p><a href="http://amzn.to/2t80yrw" target="_blank">Hidden litter boxes</a> look like an ordinary nightstand or planter on the outside, but have the litter box housed inside. Keep the litter box in a private area, away from feeding areas, so your pet can feel safe and comfortable.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-affordable-home-remodel-tips-for-pet-owners&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Affordable%2520Home%2520Remodel%2520Tips%2520for%2520Pet%2520Owners.jpg&amp;description=6%20Affordable%20Home%20Remodel%20Tips%20for%20Pet%20Owners"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Affordable%20Home%20Remodel%20Tips%20for%20Pet%20Owners.jpg" alt="6 Affordable Home Remodel Tips for Pet Owners" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/6-affordable-home-remodel-tips-for-pet-owners">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</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/colorstrology-and-3-modern-d-cor-trends-that-will-fit-any-budget">Colorstrology and 3 Modern Décor Trends That Will Fit Any Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-medications">The 5 Best Pet Flea Medications</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">8 Ways to Lower Your Vet Bills</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-savvy-tips-for-a-smoother-move">15 Savvy Tips for a Smoother Move</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home furniture home decor home remodel how to pet care pet owners pets Thu, 22 Jun 2017 08:30:11 +0000 Andrea Cannon 1969594 at http://www.wisebread.com How to Make Artisanal Bread on a Budget http://www.wisebread.com/how-to-make-artisanal-bread-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-artisanal-bread-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/185084458.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>An important diet and budgeting component in our kitchen is homemade bread. While baking your own bread sounds like one of those time-consuming activities, no-knead bread is one of the simplest things to make.</p> <p>No-knead bread is a great starter recipe for kitchen newbies. The basic recipe is so easy that a motivated eight-year-old could learn how to bake bread. If you have the skills to <a href="http://www.wisebread.com/23-recipes-for-slime-your-kids-can-make-and-even-sell" target="_blank">make your own slime</a>, you should be able to make no-knead bread. Plus, you can end up saving tons of cash along the way.</p> <h2>The ingredients</h2> <p>The classic <a href="http://www.nytimes.com/2006/11/08/dining/08mini.html?action=click&amp;contentCollection=Food&amp;module=RelatedCoverage&amp;region=Marginalia&amp;pgtype=article" target="_blank">No-Knead Bread recipe</a> was developed by Jim Lahey of the Sullivan Street Bakery in New York City and contains just four ingredients: flour, yeast, salt, and water. The bread from this recipe costs less than 50 cents per loaf to make, but looks and tastes like the rustic artisan bread you'd pay $5 to $8 for at the store. Also, the recipe is very adaptable and hard to break. It's worth reading the hundreds of comments on this recipe, because they are full of helpful hacks for every type of kitchen and baker, and they include recipe variations such as whole wheat, olive oil, sourdough, cinnamon raisin, and lots more.</p> <h2>The tools</h2> <p>Professional bread ovens have a steam element. The extra moisture during the baking process is what gives bakery bread that flaky crust. Lahey figured out how to replicate the steaming at home by using a lidded Dutch oven to trap the moisture. I use a $40, cast iron pot to bake my no-knead bread, but you can use any lidded pan that can handle a 450-degree oven temperature. One of the great things about this bread-making technique is that it doesn't require specialty, single-use kitchen gadgets. (See also: <a href="http://www.wisebread.com/smart-new-uses-for-these-14-kitchen-gadgets?ref=seealso" target="_blank">Smart New Uses for These 14 Kitchen Gadgets</a>)</p> <h2>The bread math</h2> <p>One 25-pound bag of La Romanella high gluten (bread) flour at Smart &amp; Final costs $7.99. One one-pound (454 grams) bag of Saf-Instant yeast costs $3.59 at Smart &amp; Final. One 26-ounce (737 gram) box of Morton's Sea Salt costs $2.09 at Target. Each loaf of bread uses 15 ounces of flour, nine grams of salt, and less than a gram of yeast, or 31 cents in ingredients.</p> <p>Even when I splurge and make rye bread from organic flour from Whole Foods or add expensive ingredients like olives or nuts, it's still hard to make a loaf of bread that costs more than $2. (See also: <a href="http://www.wisebread.com/how-to-save-a-ton-by-eating-soup-every-day-and-never-get-bored?ref=seealso" target="_blank">How to Save a Ton by Eating Soup Every Day and Never Get Bored</a>)</p> <h2>Reduce the cost of baking by buying in bulk</h2> <p>I could reduce the cost of each loaf even further if I bought the ingredients in greater bulk, but that makes no sense for my household of two. After all, each one-pound bag of yeast makes over 454 loaves of bread! I am hoping that I can find a neighbor who wants to split a bulk purchase of baking supplies so we can both save on our grocery budgets, but so far my neighbors would prefer to pay for my finished bread, instead of making their own.</p> <h2>The bread schedule</h2> <p>The secret weapon of no-knead bread is slow-rise fermentation. Instead of manually breaking down the gluten protein by kneading the bread, you let the yeast slowly do all the work of lining up the gluten molecules. While the actual hands-on time involved in making no-knead bread is under an hour, the hardest part is waiting the full 24 hours for the yeast to do its magic. No-knead bread is the opposite of instant gratification.</p> <p>If you want to make bread for gifting like I do, you might have to add bread making to your calendar so you don't forget to make the dough in advance. Fair warning: you will have to train your friends and family to give you a 48-hour notice on bread orders.</p> <h2>Make the dough in advance to save time</h2> <p>To save time, I mix the bread dough in bulk once a week and bake on demand. I make enough dough for four loaves every Saturday &mdash; two for us to eat during the week, and two to use for gifts or barter currency. I should note that the loaves I make later in the week always taste better than the loaves I bake immediately. The extra sitting time allows the dough to ferment further and develop a more complex flavor (think sourdough).</p> <h2>Add beer to speed up the schedule</h2> <p>The test kitchen of Cook's Illustrated Magazine came up with an &quot;Almost No-Knead&quot; version of Lahey's recipe. By adding beer as a leavening agent and doing the most minimal knead, the recipe testers found that they could make a loaf with a finer crumb and reduce the rising time of the dough to as few as eight hours. For those who don't have a subscription to Cook's Illustrated, Breadtopia.com republished free copies of the Cook's Illustrated recipes for <a href="http://breadtopia.com/cooks-illustrated-almost-no-knead/" target="_blank">white and whole wheat bread</a>.</p> <p>Because I am not a big drinker, I use the random bottles of beer that get left behind at every BBQ to make bread dough, so I've never actually had to buy beer for baking. But even if I did buy beer as an ingredient, one 12-ounce bottle of mild-flavored beer (it can also be nonalcoholic) will make a little over four loaves of bread, so this pricier version of the recipe is still frugal.</p> <h2>Freeze surplus bread</h2> <p>Another way to save time is to bake multiple loaves in quick succession and freeze the surplus. I like to bake this way in the summertime to avoid heating up my unairconditioned house with the oven more than once a week.</p> <p>Bulk baking also saves money because you won't have to pay the extra money involved in repeatedly heating up your oven to temperature (and then cooling down your house).</p> <h2>The meal options are endless</h2> <p>I firmly believe that teachers need to be compensated for their knowledge. Since I have saved literally hundreds of dollars on bread by using Jim Lahey's original recipe that he gives out for free, I decide to buy his book <a href="http://amzn.to/2rO6NTM" target="_blank">My Bread</a> as a way to show my appreciation for his work. I was pleasantly surprised to discover that his no-knead technique can be used to make everything from pizza crust, to breadsticks, to cinnamon buns. Slow-rise fermentation is a versatile baking technique that allows me to create an ever-expanding collection of delicious bread recipes inexpensively and without fail.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/how-to-make-artisanal-bread-on-a-budget">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/breaking-the-bread-code-how-to-get-the-freshest-loaf">Breaking the Bread Code: How to Get the Freshest Loaf</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew">How To Make Your Own Soda, Tidy A Room In Three Minutes, Cure A Hangover And Become A Movie Extra. Phew!</a></span> </div> </li> <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/buy-this-not-that-at-the-farmers-market">Buy This — Not That — at the Farmer&#039;s Market</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-bake-sourdough-bread-and-save-a-buck-on-every-loaf">How to bake sourdough bread (and save a buck on every loaf)</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-best-5-credit-cards-for-groceries">The Best Credit Cards for Groceries</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping artisanal bread baking bread baking hacks baking tips bread bread maker breadmaking how to Wed, 07 Jun 2017 08:31:12 +0000 Max Wong 1961113 at http://www.wisebread.com How to Make the Most Out of These 6 Kitchen Gadgets http://www.wisebread.com/how-to-make-the-most-out-of-these-6-kitchen-gadgets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-the-most-out-of-these-6-kitchen-gadgets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-487542494.jpg" alt="Woman making the most out of her kitchen gadgets" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>If you're running a more minimalist kitchen &mdash; or even if you aren't &mdash; you may be wondering which small appliances are worth keeping around. Or maybe you're planning your wedding registry and want to know what should you include on your list. You've seen everything from bread makers to ice cream machines to margarita blenders on the shelves at your local shop. Single-task appliances may not seem like a smart buy, but you need to consider that not all all of them perform only one task.</p> <p>Here's the lowdown on kitchen appliances that every kitchen should include, and how to make the most of each one.</p> <h2>1. Blender</h2> <p>We took the plunge last fall and bought a&nbsp;<a href="http://amzn.to/2nTpfEO" target="_blank">NutriBullet blender</a>. I sincerely believe that a blender is an appliance no kitchen should be without. Beyond smoothies, you can blend together soups, sauces, condiments, and even baby food. And you can also make milkshakes, banana ice cream, and even peanut butter.</p> <p>Yes! You can make peanut butter in a blender. It's best if you use a heavy duty blender that can grind up the peanuts. Simply pour in your desired amount of dry-roasted peanuts, salt, and sugar. Then blend on the highest setting until smooth. (See also:&nbsp;<a href="http://www.wisebread.com/15-creative-delicious-things-you-can-make-in-a-blender?ref=seealso" target="_blank">15 Creative, Delicious Things You Can Make in a Blender</a>)</p> <h2>2. Waffle maker</h2> <p>We use our&nbsp;<a href="http://amzn.to/2p7VZ0o" target="_blank">waffle maker</a> almost every single day. First, we like waffles. I even make my own mix so we can easily whisk it with water and get it cooking in just a few minutes flat. We also use our waffle maker as a panini press to make delicious sandwiches. I mean, this little appliance cost us just $17.00 and we use it often enough to keep it out on the counter.</p> <p>What else can you make with a waffle maker? Pizza, cake, brownies, quesadillas, and the list goes on. (See also:&nbsp;<a href="http://www.wisebread.com/15-delicious-foods-to-try-in-your-waffle-maker?ref=seealso" target="_blank">15 Delicious Foods to Try in Your Waffle Maker</a>)</p> <h2>3. Slow cooker</h2> <p>I own a&nbsp;<a href="http://amzn.to/2nM3TZk" target="_blank">slow cooker</a> that also cooks rice and steams veggies. Still, I don't think I need to elaborate much on the merits of owning a crock pot. It can be your best friend in the kitchen. It can be your tool to making dinners a breeze. It may even be your key to keeping your grocery budget low.</p> <p>How? There are countless recipes online for vegetarians and carnivores alike. If you can dream it, you can likely make it in a slow cooker. Toss the ingredients in the pot, set the timer, and sit back. The rest of the work is done for you. (See also:&nbsp;<a href="http://www.wisebread.com/7-tricks-to-get-more-out-of-your-slow-cooker?ref=seealso" target="_blank">7 Tricks to Get More Out of Your Slow Cooker</a>)</p> <h2>4. Instant Pot</h2> <p>If you want to go an extra step, you can get an <a href="http://amzn.to/2oNjMz0" target="_blank">Instant Pot</a>. This multifunctional pressure cooker is extremely popular with my meat-eating friends. It can cook up a pot roast in as little as 20 minutes. Not only that, it also does the work of seven &mdash; yes seven &mdash; appliances. It functions as a pressure cooker, slow cooker, rice cooker, saute/browning device, yogurt maker, steamer, and a warmer.</p> <p>The Instant Pot basically cooks everything &mdash; and fast. Trying to decide between a slow cooker and this device? Consider what you'll be cooking. If you don't need the 7-in-1 functionality, you may be able to get away with a traditional crock pot. If you do a variety of cooking &mdash; especially things like meats, dry beans, and other tough stuff &mdash; the instant pot may be the kitchen tool of your dreams. (See also:&nbsp;<a href="http://www.wisebread.com/12-instant-pot-recipes-that-will-save-you-money?ref=seealso" target="_blank">12 Instant Pot Recipes That Will Save You Money</a>)</p> <h2>5. Mixer</h2> <p>You don't need a large stand mixer, even if you bake a lot. I have one, but I don't use it much since I got a&nbsp;<a href="http://amzn.to/2p89JrJ" target="_blank">hand mixer</a> for a fraction of the price last year. You can do a lot with this handy appliance. My favorite is creaming together butter and sugar for cookie-baking marathons. You can also blend fluffy mashed potatoes, whip up salad dressings, and whisk together eggs for a quiche.</p> <p>If you want to get even more use out of a hand mixer, consider buying a&nbsp;<a href="http://amzn.to/2qb3zpo" target="_blank">dough hooks</a> attachment. They'll help knead together anything from dinner rolls to delicate pastas in a flash.</p> <h2>6. Bread machine</h2> <p>Did you know that bread machines make more than just loaves? You can mix and rise dough to bake pretzels, naan, pizza dough, and rolls. You just have to stop the machine before the bake cycle and continue the process in your standard oven. You can even make jam. No, really. This&nbsp;<a href="http://www.ahealthysliceoflife.com/simple-strawberry-jam-in-the-bread-machine/" target="_blank">Strawberry Jam</a> comes together in the bread machine. Simply combine chopped strawberries, sugar, and lemon juice, and hit that jam setting you probably hadn't noticed before. (See also:&nbsp;<a href="http://www.wisebread.com/a-beginners-guide-to-homemade-bread?ref=seealso" target="_blank">A Beginners Guide to Homemade Bread</a>)</p> <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/how-to-make-the-most-out-of-these-6-kitchen-gadgets">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-vacuum-sealers">The 5 Best Vacuum Sealers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-digital-food-scales">The 5 Best Digital Food Scales</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-electric-griddles">The 5 Best Electric Griddles</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-bagless-vacuums">The 5 Best Bagless Vacuums</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-air-fryers">The 5 Best Air Fryers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping Food home appliances how to kitchen appliances kitchen gadgets recipes Tue, 02 May 2017 08:30:11 +0000 Ashley Marcin 1938295 at http://www.wisebread.com Make Smarter Investments by Mastering This Simple Ratio http://www.wisebread.com/make-smarter-investments-by-mastering-this-simple-ratio <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/make-smarter-investments-by-mastering-this-simple-ratio" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-171280980.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When doing your research on what stocks to invest in, you will undoubtedly hear analysts and financial pundits mention something called a P/E, or price-to-earnings, ratio. This is one of the key numbers in a stock table, and one you'd be wise to brush up on. Let's review what the P/E ratio shows, how investors use it to evaluate a stock, and some guidelines to make the most of it. (See also: <a href="http://www.wisebread.com/beginners-guide-to-reading-a-stock-table?ref=seealso" target="_blank">Beginner's Guide to Reading a Stock Table</a>)</p> <h2>What is the P/E ratio?</h2> <p>It's the ratio of a stock's market value per share to its earnings per share (EPS). Generally, the EPS is from the last trailing 12 months (TTM). However, some financial analysts may use an EPS figure from a shorter trailing period, such as one or two quarters, or a future period, such as over the next six to 12 months.</p> <p>This is why it's important to pay attention to whether a P/E ratio calculation is using historical or projected numbers. Estimated numbers are subject to a margin of error and will be updated as new data becomes available.</p> <p>A P/E ratio tells you how much investors are willing to pay to receive $1 in return for investing in a stock. Historical data suggests that on average, investors are willing to pay $15 for every dollar of earnings (a P/E ratio of 15). However, P/E ratios can vary across industries and particular companies. On March 10, 2017, the P/E ratios of Facebook Inc. [Nasdaq: FB], McDonald's Corporation [NYSE: MCD], and Toyota Motor Corp. [NYSE: TM] were 39.95, 23.36, and 10.70, respectively.</p> <h2>How investors interpret the P/E ratio</h2> <p>The main appeal of the price-to-earnings ratio is that it provides a single, standardized metric to an investor evaluating whether or not a stock is worth buying (or selling).</p> <p>However, any P/E ratio is open to a lot of interpretation.</p> <h3>High P/E ratio</h3> <p>On one hand, a high P/E ratio could indicate that investors are expecting a company to grow its future earnings. On the other, it could be a signal of &quot;irrational exuberance&quot; &mdash; a term coined by former Fed chairman Alan Greenspan to refer to unsustainable investor enthusiasm. (See also: <a href="http://www.wisebread.com/3-pearls-of-financial-wisdom-from-alan-greenspan?ref=seealso" target="_blank">3 Pearls of Financial Wisdom From Alan Greenspan</a>)</p> <p>With a P/E ratio of 331.23 (no, that's not a typo!) as of March 10, 2017, Netflix, Inc. [Nasdaq: NFLX] is open to both interpretations. One investor could argue that the future of media is online streaming and that this company is making all the right moves to become a leader in this industry. Another could argue that this market valuation is a bit out of whack.</p> <h3>Low P/E ratio</h3> <p>While one investor may think that a low P/E ratio indicates that a stock has seen better days, another investor may interpret that same low P/E ratio as a chance to snap up some shares at a low price.</p> <p>Shares of Apple Inc. [Nasdaq: AAPL] provide a great example of this scenario. With a P/E ratio of 16.66 as of March 10, 2017, some investors may think the performance of Apple is just slightly above average (remember the long-term average of 15). Other investors may think that this is just a slow period and that it has room for growth since <a href="https://ycharts.com/companies/AAPL/pe_ratio" target="_blank">its maximum P/E ratio</a> for the last five years is 18.51.</p> <h2>How to make the most out of the P/E ratio</h2> <p>Now that you know what it is, let's turn to putting it to work.</p> <h3>1. Don't rely solely on the P/E ratio</h3> <p>Due to the math behind the P/E ratio, publicly traded companies that are losing money don't have a P/E ratio at all! For example, the hottest talk of the investing world right now, Snap Inc. [NYSE: SNAP], doesn't have one. So for now, their P/E ratio is irrelevant, and you should rely on an alternative valuation metric, such as the price-to-sales ratio.</p> <h3>2. Put the P/E ratio in perspective</h3> <p>It's a smart practice to measure a stock against a group of comparable peers. For example, you could compare the P/E ratio of Marriott International Inc. [Nasdaq: MAR] against that of Hyatt Hotels Corporation [NYSE: H], Wyndham Worldwide Corporation [NYSE: WYN], or the average of the ones from several others within the same industry.</p> <p>Another way to put that P/E ratio into context is to use its historical average, maximum, and minimum. By taking a look at these numbers and evaluating the decisions from management, you can have a better understanding of the current ratio.</p> <h3>3. Pay attention to the P/E ratio with buy recommendations</h3> <p>If you receive recommendations from your friends, relatives, or favorite TV pundits that you should buy a particular stock because it's &quot;going places,&quot; pay attention to the P/E ratio. If a stock price rally is a rocket, the P/E ratio is the fuel that helps it take off &hellip; and keep rising. Without a high enough P/E ratio, a rally will be short-lived or, even worse, turn the other way around.</p> <h3>4. Beware accounting shenanigans</h3> <p>Companies with one-time events, such as selling off a major division or cutting down employee benefits, can alter their earnings and, as a result, their P/E ratios. Dramatic ups and downs in the P/E ratio would render this ratio useless and you'll have to use an alternative stock valuation metric.</p> <p>This is why it's a good idea to keep an eye on current (also known as trailing) and forward P/E ratios. A big difference between these two P/E ratios is a sign that there was a one-time event. Analysts suggest that when there are too many instances of these gaps, investors should pay closer attention to the cash flow statement on company filings.</p> <h2>P/E ratio is no silver bullet</h2> <p>While the P/E ratio can be a useful metric to select stocks, it's no silver bullet. This is why it's important to continuously educate yourself about the inner workings of the stock market and seek the advice of a financial adviser whenever appropriate. (See also: <a href="http://www.wisebread.com/who-to-hire-a-financial-planner-or-a-financial-adviser?ref=seealso" target="_blank">Who to Hire: A Financial Planner or a Financial Adviser?</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/make-smarter-investments-by-mastering-this-simple-ratio">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-an-exit-strategy-can-make-you-a-better-investor">How an Exit Strategy Can Make You a Better Investor</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-the-risk-averse-can-get-into-the-stock-market">How the Risk Averse Can Get Into the Stock Market</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-simple-ways-to-conquer-your-fear-of-investing">4 Simple Ways to Conquer Your Fear of Investing</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-3-rules-every-mediocre-investor-must-know">The 3 Rules Every Mediocre Investor Must Know</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/dont-be-fooled-by-an-investments-rate-of-return">Don&#039;t Be Fooled by an Investment&#039;s Rate of Return</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment how to metrics p/e ratio price to earnings ratio stock market stocks valuations Tue, 11 Apr 2017 09:00:08 +0000 Damian Davila 1923859 at http://www.wisebread.com How to Ace Your Next Coffee Interview http://www.wisebread.com/how-to-ace-your-next-coffee-interview <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-ace-your-next-coffee-interview" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000051956032_Large.jpg" alt="acing her coffee interview" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ah, the modern job hunt. You've optimized your online profiles, mastered the art of digital networking, and figured out how to stay on the right side of the line between using the Internet to research a hiring manager, and full-on stalking. So far, so good.</p> <p>And you've even landed an interview, but there a catch. Your first face-to-face contact with your prospective dream boss is a &quot;coffee interview.&quot; Say what?</p> <p>Using an informal screening stage in recruiting isn't new, but since this important kind of meeting has moved to a cafe setting, it has become an etiquette minefield.</p> <p>If you've got a coffee interview booked and you're stumped by such vital questions as what to wear, how to identify your interviewer, and, if it's okay to order a double skinny lactose free caramel latte, read on. (See also: <a href="http://www.wisebread.com/6-ways-to-calm-your-nerves-and-ace-your-interview?ref=seealso">6 Ways to Calm Your Nerves and Ace Your Interview</a>)</p> <h2>Be Informal, Not Relaxed</h2> <p>Don't be fooled into feeling that the informal environment will lead to a <em>relaxed </em>meeting. One of the most common mistakes job seekers make is to underestimate the expectation of the interviewer and arrive underprepared at this type of interview. If you don't want to fail at the first hurdle, you need to get prepped!</p> <p>Ask the interviewer what the format of the interview will be, and if there is anything in particular you can prepare in advance, or bring along, such as references or a portfolio. Often the first meeting will be a gate keeping exercise, to test basic suitability for the job, and to sound out candidate expectations about salary, working conditions, and availability. Expect to be asked practical questions, and have answers in mind, so they don't become a barrier.</p> <p>Preparing for the meat of the conversation starts with research. Pick out the key skills and experience detailed in the job posting, and make sure you're clear on your unique selling point &mdash; what makes you suited to the role. Learn everything you can about the company, and think of ways you can make your mark even at this early stage. You might consider visiting a competitor, for example, or preparing some thoughts on the biggest challenges and opportunities facing the company. By having knowledge and unique ideas, you will stand out for the right reasons.</p> <h2>Map It Out</h2> <p>The logistics of a coffee interview can feel somewhat daunting. Make sure you know exactly where you're going &mdash; especially if you're meeting in a chain cafe that has several different locations in town &mdash; and arrive a little early if possible.</p> <p>Identifying your interviewer from an anonymous crowd is the next challenge. If you know exactly who you're meeting in advance, have a look at their social media presence to find a picture to increase your odds of picking them out in a crowd. Take a seat facing the door if you can, and text or call your interviewer a few minutes before you're due to meet, to describe your location. Be aware that recruiters often batch meetings, so your interviewer might already be in the cafe with another candidate.</p> <p>Once you've found the right person, remember it's an interview, not a date. Take your lead from them when ordering, and don't order anything too wacky! If you're eating, spend a second figuring out what on the menu is suitable. Spraying yourself with spaghetti sauce, or trying to talk while gnawing on ribs isn't a good look!</p> <p>Although you're there to talk about the position, remember that you're creating an impression before you're ever been asked a question. More so than in an office environment, your interviewer will pick up on your interactions with others. Treat everyone with <em>real </em>respect. This is no time to get snarky with your waitress, even if the order is muddled up.</p> <p>Similarly, what you choose to wear is more open in a coffee interview. While office attire is fairly well defined, anything goes in a cafe. Choose something that makes you feel good and that fits with your perception of the company culture. If you're in any doubt, err on the side of more formal. Unless you habitually hang out in your tux, it's hard to be overdressed, in any interview situation.</p> <h2>Exit Gracefully</h2> <p>As your meeting is coming to an end, hopefully you've developed a great rapport with your interviewer, and are parting on good terms &mdash; but you still need to avoid an etiquette fail. Getting the bill is the first challenge. It's pretty common for the recruiter to pick up the tab, but have some cash just in case. Having to borrow a few dollars from your prospective boss is not the best start to a working relationship.</p> <p>When you're done, shake hands and part ways. Even if you might really want to hang round in the same cafe, or grab a bite to eat, it's usually best to leave. If your interviewer has another meeting lined up directly after you, they won't want you in a position to spy on the competition. Make a dignified exit and get your lunch elsewhere!</p> <h2>Always Follow Up</h2> <p>As with any interview, it's a good idea to follow up with a thank you note. An email is fine in such an informal scenario, just to reiterate your interest in the role, and say thanks for the meeting. If you touched upon anything in your conversation that really resonated with you both &mdash; maybe a book you mentioned, or an interesting article about a mutual passion &mdash; then mention this as an anchor to your conversation, and to help your interviewer remember the connection you had.</p> <p>A coffee interview is never going to be quite as much fun as hanging out with friends over a latte and lunch, but it shouldn't be too terrifying, either.</p> <p><em>What do you think? Have you had coffee interview successes, or disasters? Tell us in the comments.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/how-to-ace-your-next-coffee-interview">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-guerrilla-job-hunting-work-for-you">Make Guerrilla Job Hunting Work for You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-signs-your-company-is-going-under">10 Signs Your Company Is Going Under</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-things-never-to-bring-up-in-a-job-interview">5 Things Never to Bring Up in a Job Interview</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-ways-that-job-you-hate-keeps-you-poor">6 Ways That Job You Hate Keeps You Poor</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-get-the-job-without-saying-a-word">How to Get the Job Without Saying a Word</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting coffee interview how to interview etiquette job interview tips job interviews job search Thu, 02 Jun 2016 09:00:11 +0000 Claire Millard 1722227 at http://www.wisebread.com Best Money Tips: How to Start Investing http://www.wisebread.com/best-money-tips-how-to-start-investing <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-start-investing" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/finances-480177597.jpg" alt="money graph" title="money graph" class="imagecache imagecache-250w" width="250" height="173" /></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 stellar articles on how to start investing, time management for part-time entrepreneurs, and home staging on a budget.</p> <h2>Top 5 Articles</h2> <p><a href="http://asklizweston.com/how-to-start-investing/">How to start investing</a> &mdash; If you are just getting started with investing, remember to not try to beat the market and keep fees low. [Ask Liz Weston]</p> <p><a href="http://ptmoney.com/time-management-part-time-entrepreneurs/">Time Management for Part-Time Entrepreneurs</a> &mdash; To better manage their time, part-time entrepreneurs can harness the power of routines. [PT Money]</p> <p><a href="http://money.usnews.com/money/personal-finance/articles/2014/04/11/10-keys-to-home-staging-on-a-budget?int=aa6a09&amp;int=a86509">10 Keys to Home Staging on a Budget</a> &mdash; Refreshing your landscape and painting are a couple low-cost ways to stage your home on a budget [US News &amp; World Report]</p> <p><a href="http://www.thesimpledollar.com/celebrating-your-achievement-without-undoing-your-progress/">Celebrating Your Achievement Without Undoing Your Progress</a> &mdash; Celebrate your achievements without undoing your progress by finding other ways to commemorate the occasion if you think your celebration may be something you will regret. [The Simple Dollar]</p> <p><a href="http://www.savvysugar.com/Ways-Deal-Difficult-Co-Workers-34332751">Don't Let Your Co-Workers Bring You Down</a> &mdash; To avoid letting your co-workers bring you down, try to be positive. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="https://www.mint.com/blog/investing/5-easy-investment-strategies-that-build-wealth-0414/">5 Easy Investment Strategies that Build Wealth</a> &mdash; Cutting costs and diversifying your investments can help you build wealth. [MintLife Blog]</p> <p><a href="http://www.forbes.com/sites/sage/2014/04/02/four-tips-to-help-women-excel-in-the-workplace/">Four Tips To Help Women Excel In The Workplace</a> &mdash; Women need to be willing to take risks in order to excel in the workplace. [Forbes]</p> <p><a href="http://www.mainstreet.com/article/smart-spending/autos/car-insurance-woes-millennials">Car Insurance Woes for Millenials</a> &mdash; Millenials are being subjected to the highest car insurance premiums. [MainStreet]</p> <p><a href="http://moneyning.com/kids-and-money/4-baby-products-worth-splurging-on/">First Baby? Here are 4 Products Worth Splurging On</a> &mdash; It is worth it to splurge on the safety gear you'll use the most often with your new baby. [MoneyNing]</p> <p><a href="http://parentingsquad.com/10-best-blogs-for-your-family-budget">10 Best Blogs for Your Family Budget</a> &mdash; Have you ever checked out Mom Advice or Daily Finance? [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-start-investing">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/real-estate-investing-is-cheaper-and-easier-than-you-think">Real Estate Investing Is Cheaper and Easier Than You Think</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-investors-with-better-returns-than-warren-buffett">5 Investors With Better Returns Than Warren Buffett</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/is-paying-off-your-mortgage-early-costing-you-money">Is Paying Off Your Mortgage Early Costing You Money?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-you-trust-your-money-with-these-4-popular-financial-robo-advisers">Should You Trust Your Money With These 4 Popular Financial Robo-Advisers?</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-only-8-rules-of-investing-you-need-to-know">The Only 8 Rules of Investing You Need to Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment best money tips how to investing Wed, 16 Apr 2014 09:24:20 +0000 Ashley Jacobs 1135645 at http://www.wisebread.com Best Money Tips: How to Become a Morning Person http://www.wisebread.com/best-money-tips-how-to-become-a-morning-person <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-become-a-morning-person" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/morning-804741-small.jpg" alt="morning" title="morning" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on becoming a morning person, ways to avoid common bank fees, and financial resolutions to keep in 2014.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/How-Become-Morning-Person-26607205">How to Become a Morning Person</a> &mdash; Want to become a morning person? Try to relax before bed. [PopSugar Smart Living]</p> <p><a href="http://www.moneytalksnews.com/2014/01/02/7-ways-to-avoid-common-bank-fees/">7 Ways to Avoid Common Bank Fees</a> &mdash; To avoid common bank fees, read the fine print on your accounts. [Money Talks News]</p> <p><a href="http://www.creditsesame.com/blog/5-financial-resolutions-keep-2014/" style="color: rgb(7, 130, 193); ">5 Financial Resolutions to Keep in 2014</a> &mdash; Rebalancing your savings is a good resolution to keep in 2014. [Credit Sesame]</p> <p><a href="http://www.bargaineering.com/articles/make-clothing-last-longer.html">How to make the clothes you got for Christmas last at least until next year</a> &mdash; If you want the clothes you got for Christmas to last until next year, store them right. [Bargaineering]</p> <p><a href="http://moneyning.com/money-tips/got-a-gift-card-for-christmas-spend-it-now/">Got a Gift Card for Christmas? Spend it Now</a> &mdash; Spend your Christmas gift cards now because they might have expiration dates. [MoneyNing]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.freemoneyfinance.com/2014/01/30-steps-to-great-finances-steps-1-through-3.html">30 Steps to Great Finances: Steps 1 through 3</a> &mdash; Want to have great finances? Track your spending for 30 days. [Free Money Finance]</p> <p><a href="http://frugalportland.com/how-to-start-a-minimalist-wardrobe/">How to Start a Minimalist Wardrobe</a> &mdash; Start a minimalist wardrobe by not being sentimental about your clothes. [Frugal Portland]</p> <p><a href="http://portal.kiplinger.com/article/spending/T050-C000-S002-3-simple-steps-to-cash-in-unused-gift-cards.html">3 Simple Steps to Cash in Unused Gift Cards</a> &mdash; When selling your gift cards, make sure you find the site that will give you the best deal. [Kiplinger]</p> <p><a href="http://yesiamcheap.com/2013/12/entrepreneurship-is-not-about-the-money/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+yesiamcheap+%28Yes%2C+I+Am+Cheap%29">Entrepreneurship Is Not About The Money</a> &mdash; Entrepreneurship is about freedom, not money. [Yes I Am Cheap]</p> <p><a href="http://parentingsquad.com/easy-take-away-meal-butternut-squash-quesadilla">Easy Take-Away Meal: Butternut Squash Quesadilla</a> &mdash; Butternut Squash Quesadillas can be prepared ahead of time to save money. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-become-a-morning-person">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew">How To Make Your Own Soda, Tidy A Room In Three Minutes, Cure A Hangover And Become A Movie Extra. Phew!</a></span> </div> </li> <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-new-skills-for-free-the-power-of-forums">Learn New Skills for Free: The Power of Forums</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/let-things-go">Let things go</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-wonderful-uses-for-witch-hazel">15 Wonderful Uses for Witch Hazel</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips best money tips how to morning morning person Mon, 06 Jan 2014 11:01:12 +0000 Ashley Jacobs 1107106 at http://www.wisebread.com A Beginner’s Guide to Frugal Living http://www.wisebread.com/a-beginner-s-guide-to-frugal-living <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-beginner-s-guide-to-frugal-living" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/holding_starbucks_cup_0.jpg" alt="Woman holding Starbucks mug" title="Woman holding Starbucks mug" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>I don&rsquo;t do frugal living perfectly. There are times (usually around 8:00 a.m. on a Monday) when I cannot be stopped from my single-minded march toward Starbucks. At other times, I willfully disregard everything I know about paying retail and (albeit begrudgingly) fork over $75 for a pair of jeans. Still, I consider myself a pretty frugal guy. The broad brushstrokes of my life are characterized by financial decisions that are well-considered and based on clear financial goals.</p> <p>If you&rsquo;re new to frugal living, fear not. Most of us are still learning, and we can all be tempted to veer off track at times. For the newbies out there, here are seven principles to keep in mind as you enter the ranks of the frugal &mdash; it&rsquo;s a sort of beginner&rsquo;s guide that we&rsquo;ve all had to learn (and often, relearn). (See also: <a href="http://www.wisebread.com/the-two-biggest-mistakes-people-make-when-starting-to-live-frugally">The Two Biggest Mistakes People Make When Starting to Live Frugally</a>)</p> <h2>1. Pace Yourself</h2> <p>Adopting a simpler and more frugal lifestyle can take a bit of practice. Embrace it by degrees. Diving in and cutting your monthly budget by 50% all at once will only be a shock to your system and leave the entire family feeling pinched and resentful. It takes time to phase out unnecessary expenses and gradually redirect your resources to align with your goals.</p> <h2>2. Understand Your Goals</h2> <p>Saving money in and of itself may be a worthy enough goal. After all, we all know we&rsquo;ll need it &mdash; we just may not yet know when or why. But a smarter, more motivating approach is to understand specifically why you&rsquo;re saving. Is it for an earlier and more comfortable retirement? To start your own business? To finally pay off the mortgage? To just sleep better at night? Having a &ldquo;vision&rdquo; for your financial life will help drive your frugal choices.</p> <h2>3. Get on the Same Page</h2> <p>For couples or families, no financial decision is made in a vacuum. Make sure your significant other is as committed to reinventing your financial life as you are. Reach a common goal or set of goals and understand what changes and sacrifices are needed from each person. Encourage each other and redirect each other when necessary.</p> <h2>4. Sacrifice &mdash; Selectively</h2> <p>Living a frugal lifestyle doesn&rsquo;t mean saying &ldquo;no&rdquo; to everything. Rather, successful frugality means understanding your priorities so that the &ldquo;yeses&rdquo; are aligned with your priorities. It&rsquo;s still okay to indulge from time-to-time,&nbsp; and it&rsquo;s still okay to splurge because those moments are balanced by an overall money management style that is driven by clear boundaries. Feel like a lunch out on a Friday? Go for it. You can because you&rsquo;ve brown-bagged it every other day of the week.</p> <h2>5. Don&rsquo;t Over-Budget</h2> <p>The idea of planning, creating, and sticking to a budget gets a lot of airtime. But categorizing and budgeting every dollar that comes in the door might not be the best strategy. This approach can sometimes give frugality a bad name &mdash; it fosters the idea that frugal living means constant number-crunching and long sleepless nights hunched over a calculator. A far simpler approach is to simply pay yourself first and live off what&rsquo;s left. Determine an assertive savings rate (subject to change as your skill level increases) and have that money funneled into a savings account, retirement account, or money market. The money that&rsquo;s remaining will be stretched and redistributed as-needed to cover expenses &mdash; often without hours and hours of conscious effort.</p> <h2>6. Make Mistakes</h2> <p>Living a more conscious financial life is a lot like dieting. You&rsquo;ll have good days, and you&rsquo;ll have those chocolate cupcake slip-up days. Don&rsquo;t let the little bumps and short-comings along the way derail you. Understand that <a href="http://www.wisebread.com/how-to-learn-from-your-mistakes">mistakes</a> and missteps are part of the learning process. They will fade away as your skill level grows and as frugality becomes second nature.</p> <h2>7. Chart and Reward Success</h2> <p>Adults need gold stars too. The most successfully frugal people I know monitor how they&rsquo;re doing from month-to-month and from year-to-year. They become motivated by successes like <a href="http://www.wisebread.com/how-much-does-your-credit-card-debt-cost-you">paying off credit cards</a>, paying down mortgages, and watching their bank account balances grow. The rush of seeing their efforts pay off has replaced the high they used to get from spending mindlessly and acquiring more stuff. Financial milestones acknowledged and celebrated as the truly special occasions they are.</p> <p>There you have it &mdash; the seven principles that will lead you to a more frugal lifestyle. More importantly, these ideas will help make frugality a permanent part of your life, instead of something you dive in and out of as your fortunes change. Embrace the success of it. Embrace the failures. Embrace the road that gets you where you want to go.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/a-beginner-s-guide-to-frugal-living">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/5-money-moves-to-make-the-moment-you-decide-to-get-married">5 Money Moves to Make the Moment You Decide to Get Married</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-i-wish-i-had-known-when-i-started-living-frugally">What I Wish I Had Known When I Started Living Frugally</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/youth-and-money-finding-the-frugal-balance">Youth and Money: Finding the Frugal Balance</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/a-step-by-step-guide-for-when-friends-ask-for-help-being-frugal">A Step-by-Step Guide for When Friends Ask for Help Being Frugal</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/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle beginning frugality compromise how to Fri, 16 Dec 2011 11:36:17 +0000 Kentin Waits 825562 at http://www.wisebread.com Learn New Skills for Free: The Power of Forums http://www.wisebread.com/learn-new-skills-for-free-the-power-of-forums <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/learn-new-skills-for-free-the-power-of-forums" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/elmo_computer.jpg" alt="Elmo using a computer" title="Elmo using a computer" class="imagecache imagecache-250w" width="250" height="144" /></a> </div> </div> </div> <p>Learning a new skill is hard. Whether it&rsquo;s becoming a better cook &nbsp;or trying to build your own computer, your success rate will improve if you have some help. (See also: <a href="http://www.wisebread.com/6-ways-to-get-paid-to-learn">6 Ways to Get Paid to Learn</a>)</p> <p>That can be expensive &mdash; taking classes or hiring someone to help will cost you. But there&rsquo;s an old-school kind of social media that can help. It isn't talked about very much since it isn&rsquo;t Twitter or Facebook or Foursquare (ugh).</p> <p>I&rsquo;m talking about the good-ol' fashioned forum.</p> <h3>What&rsquo;s a Forum?</h3> <p>A forum is simply a place where people gather to discuss a common topic. If you&rsquo;re trying to learn it, I guarantee there&rsquo;s a decent forum out there of like-minded people talking about everything from growing your own tomatoes to trimming your cat&rsquo;s whiskers. (Forums are better suited for DIY-ish things like setting up a home theater, growing your own herbs, and around-the-house repairs. For things like learning a new language and perfecting a sport, you're probably better off taking classes.)</p> <p>The reason forums are so helpful is because they&rsquo;re filled with people that are knowledgeable and passionate about the topic. Some are like you &mdash; they&rsquo;re there to learn new things. Others are more experienced and can share their tips on how they learned. Then you have the veterans. These people are subject-matter experts and pretty much know everything there is to know about the topic.</p> <p>Some are even professionals.</p> <p>You put a collection of experts and newbies together in one place and you end up with a few things:</p> <h4>Lots of Knowledge</h4> <p>Browsing forums is a great way to get learn the basics.</p> <h4>A Place to Ask Questions</h4> <p>Asking questions (and getting them answered in a timely manner) is probably the coolest part of participating in a forum. It&rsquo;s like Twitter, but everyone here is focused on this one, narrow topic.</p> <h4>Network</h4> <p>Sure, it&rsquo;s just online, but if you hang out long enough and participate, these people will eventually become part of your network, which is always valuable.</p> <h3>How to Use a Forum to Learn New Things</h3> <p>My experience with forums has been great, as long as you follow a few rules:</p> <h4>Do Your Research</h4> <p>Don&rsquo;t just join and start demanding questions because you want a quick fix. It will piss everyone off. Make sure you read any threads that are &ldquo;pinned&rdquo; to the top of a forum and search (you may have to register for this) thoroughly for your question, since it&rsquo;s probably been answered already.</p> <h4>Learn the Language</h4> <p>Know the words people use relative to the topic. If I went into a computer-building forum and asked how I can install the video thingy, people would dismiss me right away. Learn the vocab &mdash; it&rsquo;ll make the communication smoother. You should be able to pick all this up in the forum during the research phase &mdash; just make sure you get it before you start posting!</p> <h4>Say Please and Thank You</h4> <p>You should do this everywhere in life, but especially in forums. People are <a href="http://www.wisebread.com/being-generous-on-a-budget">being generous</a> with their time and their knowledge, so thank them accordingly. It goes a long way.</p> <p>I&rsquo;ve had great experiences with forums. <a href="http://forums.anandtech.com/">Anandtech</a> helped me figure out the hardware for my last desktop. <a href="http://forum.xda-developers.com/">XDA Developers</a> guided me through the process of rooting my phone. And the <a href="http://forum.byopvr.com/dvr/">Build Your Own PVR</a> forum has given me a wealth of information about how to build my own personal video recorder.</p> <p>Could I have figured all this out by researching the web? Sure, but there&rsquo;s nothing like several informed voices helping you out instead of just reading what one person thinks on a website. I highly recommend you try it out.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carlos-portocarrero">Carlos Portocarrero</a> of <a href="http://www.wisebread.com/learn-new-skills-for-free-the-power-of-forums">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew">How To Make Your Own Soda, Tidy A Room In Three Minutes, Cure A Hangover And Become A Movie Extra. Phew!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</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/14-effective-grease-and-oil-stain-removal-tips">14 Effective Grease and Oil Stain Removal Tips</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-cheap-and-easy-formulas-for-homemade-windshield-de-icer-plus-bonus-tips">3 Cheap and Easy Formulas for Homemade Windshield De-Icer (Plus Bonus Tips)</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/quickly-removing-scratches-from-cds-and-dvds">Quickly Remove Scratches From CDs and DVDs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> DIY General Tips forums how to learning a new skill Thu, 13 Oct 2011 09:48:13 +0000 Carlos Portocarrero 738298 at http://www.wisebread.com Website 101: How to Build a Site and Get It Online http://www.wisebread.com/website-101-how-to-build-a-site-and-get-it-online <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/website-101-how-to-build-a-site-and-get-it-online" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000004384999XSmall.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>For the technology-challenged person, the idea of creating your own website may seem overwhelming, perhaps even impossible. This is why a lot of people hire web designers. Unfortunately, not only do web designers cost a lot of money, but they often keep your website's files and maintain the site themselves, meaning that you have to wait for their availability and pay them more money every time you want to make another change to your website.</p> <p>Building and putting a website online doesn't have to be difficult or complicated, though. If you are willing to do a little mental gymnastics and learn a few tricks, you can build a simple website on your own and publish it to your server yourself. Here are a few simple tips for do-it-yourselfers.</p> <h3>Get Your Domain Name and Hosting</h3> <p>While you may choose to wait to purchase hosting for your website until you are ready to publish it to the Internet, you should get your domain name as soon as possible. The reason for this is that anyone could take your idea for a domain name in the meantime. It doesn't cost very much to register a domain name for a year, usually about $10 or less depending on whether it ends in .com or something else, and it will keep someone else from taking your idea for a name while you are working on your website.</p> <p>As for hosting, there are a lot of web hosts to choose from. While this article won't go into detail on the criteria for making that decision, you do need to be sure the service you choose allows you to upload files via FTP. Some web hosts also offer website-building software, but you will pay more for these, and as you will see in the next section, they are not really necessary.</p> <h3>Build Your Website</h3> <p>There are a number of ways to build your website. You could use the website builder or templates your web host offers, but you will probably need to pay more for that. You could also purchase a program that will help you to build your own website, such as Microsoft FrontPage. Or, with a little time and work on your part, you can do it for free.</p> <p>If you search online for free website templates, you will actually find that there are many to choose from. (You can also buy templates at a minimal cost, but with all the free ones available, why bother?) A template sets up the website's design for you so that all you have to do is fill in the text on each page. To do this you will need to:</p> <ul> <li>Copy the file for every page you need (e.g., Index/Home, About, Services, etc.) and name each file accordingly (one-word file names with no spaces work best).<br /> &nbsp;</li> <li>Open each page in Notebook or another text editor so that you can see the code.<br /> &nbsp;</li> <li>Locate the header information and change it to reflect your website's name and URL.<br /> &nbsp;</li> <li>Find the location of the page's text and replace the placeholder text with your own.<br /> &nbsp;</li> <li>Name all of the buttons in the sidebar or top nav bar, and replace each placeholder link with the link to the correct Web address (e.g., http:&frasl;&frasl;www.yourwebsite.com&frasl;about.html).<br /> &nbsp;</li> <li>Search each page (control + F) for &quot;meta title&quot; and name the page &mdash; you can also provide a description and keywords in this section that will be picked up by search engines.</li> </ul> <p>To do all of this, you will need to have a basic understanding of HTML, such as the code for text formatting (paragraphs, bold, italics, etc.) and the code for links and images. All of this is relatively easy, and you should be able to learn what you need by reading a few tutorials online. If you get stuck while working on your website, just do a quick Google search to find the code or explanation you need. You can check your page by saving your edits in your text editor, then opening the file in your web browser to see what the page will look like when someone views it on the Internet.</p> <p>Some website templates have a separate file that acts as a style guide for every page on your website. In this file you'll find the code that controls the colors, images, and other details that are the same on every page, and you might find the sidebar or top nav bar menus in this file as well. If your knowledge of HTML is pretty good, or if you are an ambitious do-it-yourselfer, you might want to tinker with this file to customize your template a little.</p> <h3>Upload the Files</h3> <p>Once you have finished writing the text on your website and fixing all the links in the template, you are ready to upload. This is when FTP comes in handy. If your web host has a good user interface, you can sign into your account and upload the files from your dashboard.&nbsp;If you use Windows, you can also create a network connection (You can find this in My Network Places in XP or by clicking Map Network Drive in Windows 7 and Vista), which will allow you to drag and drop your files from your computer onto your website's server. Fancy programs to help you publish your website to your server are completely unnecessary!</p> <h3>Are You a Do-It-Yourselfer?</h3> <p>If you are reading this article, most likely you are the kind of person who takes an interest in doing things yourself, even if it means rolling up your sleeves and learning to do something new. Building your own website can seem like a big project, and you are likely to feel overwhelmed occasionally while working on it, but there is no reason you can't do it yourself! All you need is the time and dedication to learn what you need to know.</p> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p>This is a guest post by Jason Kay. Jason has created dozens of websites in the last few years by using website builder software. He started <a href="http://easywebsitebuilders.net/">EasyWebsiteBuilders.net</a> to provide a single online resource for finding and comparing website builder services. For more resources:</p> <ul> <li>Create your own website with no programming by using an online <a href="http://www.easywebsitebuilders.net/">website builder</a>.</li> <li>Find and compare <a href="http://www.cheaphostingsites.org/">cheap web hosting</a> plans.</li> <li>Learn more about starting and running a <a href="http://www.easyhomeinternetbusiness.com/">home internet business</a>.</li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-kay">Jason Kay</a> of <a href="http://www.wisebread.com/website-101-how-to-build-a-site-and-get-it-online">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/how-to-make-money-by-creating-youtube-videos">How to Make Money by Creating YouTube Videos</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/build-a-cable-to-control-your-android-phone-while-you-drive">Build a Cable to Control Your Android Phone While You Drive</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/colorstrology-and-3-modern-d-cor-trends-that-will-fit-any-budget">Colorstrology and 3 Modern Décor Trends That Will Fit Any Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-you-own-a-domain-name-that-s-worth-a-fortune">Do You Own a Domain Name That’s Worth a 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/8-surprising-ways-a-personal-website-can-improve-your-life">8 Surprising Ways a Personal Website Can Improve Your Life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> DIY Technology how to tech advice website Sat, 06 Nov 2010 17:36:36 +0000 Jason Kay 280436 at http://www.wisebread.com How To Make Your Own Soda, Tidy A Room In Three Minutes, Cure A Hangover And Become A Movie Extra. Phew! http://www.wisebread.com/how-to-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/494073305_224e4967c7.jpg" alt="MacGyver" title="MacGyver" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>I&rsquo;m a big fan of <a href="http://www.howcast.com/ ">Howcast.</a> Their website is a treasure trove of information, and you can also find their videos on popular sites like Metacafe and YouTube. Sometimes their advice is really useful, sometimes it&rsquo;s just plain weird, but it&rsquo;s always very entertaining. Howcast videos also end with a handy dandy fact; the icing on the cake so to speak.</p> <p>I was recently searching their wonderful site for a how-to video on hard-boiling an egg. You may scoff, but the last few times I&rsquo;ve done this the shell has been glued to the egg, making it impossible to remove. I figured Howcast would have a solution, but became increasingly distracted by some of the other great videos I found.</p> <p>All in all, I watched about 25 videos and have selected my ten favorites for you to check out. They run the gamut, from simple recipes for laundry detergent and butter, to more complex issues like overcoming fear. All are relatively short and are well worth a watch. Some will save you time and money. Others are just an alternative way of doing things. Enjoy.</p> <p><a href="http://www.metacafe.com/watch/2527381/how_to_make_your_own_soda/">1: How To Make Your Own Soda. Cheap, quick and easy.&nbsp;</a></p> <p><embed width="425" height="350" src="http://www.metacafe.com/fplayer/2527381/how_to_make_your_own_soda.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/2326550/how_to_save_money_by_making_your_own_laundry_detergent/">2: How To Make Your Own Laundry Detergent (liquid and powder). </a></p> <p><embed width="425" height="350" src="http://www.metacafe.com/fplayer/2326550/how_to_save_money_by_making_your_own_laundry_detergent.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/1328284/how_to_cure_a_hangover/ ">3: How To Cure A Hangover . </a></p> <p><embed width="425" height="350" src="http://www.metacafe.com/fplayer/1328284/how_to_cure_a_hangover.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/1328421/how_to_start_a_fire_with_a_battery/ ">4: How To Start A Fire With A Battery.</a></p> <p><embed width="425" height="350" src="http://www.metacafe.com/fplayer/1328421/how_to_start_a_fire_with_a_battery.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/1710004/how_to_hard_boil_an_egg_so_it_peels_easily/">5: How To Hard Boil An Egg So It Peels Easily. </a></p> <p><embed width="425" height="350" allowfullscreen="true" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer" wmode="transparent" src="http://www.metacafe.com/fplayer/1710004/how_to_hard_boil_an_egg_so_it_peels_easily.swf"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/1328396/how_to_overcome_any_fear/ ">6: How To Overcome ANY Fear. Seriously. </a></p> <p><embed width="425" height="350" src="http://www.metacafe.com/fplayer/1328396/how_to_overcome_any_fear.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/1930913/how_to_make_your_own_butter/">7: How To Make Your Own Butter. Mmmmm</a>.&nbsp;</p> <p><embed width="425" height="350" src="http://www.metacafe.com/fplayer/1930913/how_to_make_your_own_butter.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/2223003/how_to_tidy_up_in_three_minutes/">8: How To Tidy Up In Three Minutes. Start The Timer. </a></p> <p>&nbsp;<embed width="425" height="350" src="http://www.metacafe.com/fplayer/2223003/how_to_tidy_up_in_three_minutes.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/1483480/how_to_peel_a_potato_in_10_seconds/">9: How To Peel A Potato In Ten Seconds</a>.</p> <p><embed width="425" height="350" src="http://www.metacafe.com/fplayer/1483480/how_to_peel_a_potato_in_10_seconds.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <p><a href="http://www.metacafe.com/watch/1497566/how_to_become_an_extra_in_a_movie/">10: How To Become An Extra In A Movie.&nbsp;</a></p> <p><embed width="425" height="350" src="http://www.metacafe.com/fplayer/1497566/how_to_become_an_extra_in_a_movie.swf" wmode="transparent" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" allowfullscreen="true"></embed></p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/how-to-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew">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/in-times-like-these-separate-the-want-from-the-need">In times like these, separate the want from the need.</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/search-online-for-a-fix-before-you-toss-that-broken-gadget">Search Online for a Fix before You Toss that Broken Gadget</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/eight-natural-ways-to-make-water-more-flavorful">Eight Natural Ways to Make Water More Flavorful</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-guaranteed-easiest-way-to-make-your-own-pickles">The Guaranteed Easiest Way to Make Your Own Pickles</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/why-is-gasoline-so-cheap-a-cost-comparison-of-40-common-household-liquids">Why is Gasoline So Cheap? A Cost Comparison of 40 Common Household Liquids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living Life Hacks Consumer Affairs DIY Food and Drink General Tips Productivity Shopping advice DIY home made how to Mon, 23 Mar 2009 20:30:28 +0000 Paul Michael 2963 at http://www.wisebread.com