New article posted at "Everything Finance"
Everything Finance
New article posted at "Everything Finance" |
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Posted: 19 Aug 2014 10:00 PM PDT To Share or Not to Share? is a post originally published on: Everything Finance - Everything Finance - Its all about Money!
After living apart for over four years in a long-distance relationship and marriage, I recently immigrated to the US to join my husband. Prior to the move, we had kept our finances separate for practical reasons and the fact that we earned our income in different currencies. Although we ultimately decided that we’d join forces financially, the idea of pooling our money together was not an automatic reflex. We had to come to an agreement. If you and your partner are about to have the same conversation that my husband and I did, here are some tips on how to approach “the talk” and find a solution that can work for both of you. 1. Strive for harmony. If one spouse wants to share but the other is hesitant, create an encouraging environment where each can voice their concerns about money without the conversation turning ugly. In our case, we had been used to operating independently with money for years. Having the power to make our own decisions with our income was something that we both appreciated. Yet I felt that we could accomplish more if we combined our incomes and that it would strengthen the bond of our marriage. We came up with a strategy that would allow us to join our finances and still feel the sense of ownership from earning our income. We opened two joint accounts whereby my earnings would go into one, while my husband’s went into the other. One income takes care of our expenses while the other is earmarked for savings and investments. 2. Discuss your overall goals. My husband is more of a live for today kind of guy while I am the super saver and long term forecaster. We talked about what we wanted to achieve with our money. I wanted to be able to retire early and my husband gets excited about having investment properties. We saw that the unifying theme was ensuring our financial security. So we came up with a list of priority goals and decided together how much we should be saving for each goal every month. But what if your goals are far different from that of your spouse? Then you may decide that it’s best to keep your incomes separate and split the household expenses in a way that you both think is fair. Whatever road you take, make sure that it’s made clear from the beginning and that you’re both in agreement. People can change their perspective with time, so be prepared to revisit the conversation if your spouse decides that your goals don’t sound so far fetched after all. 3. Time for full disclosure. If you have been keeping any financial skeletons in the closet, now is the time to open the door. In order for a relationship to work well it must be built on trust and that extends to money. Not long after I had met my husband and we became a couple, I told him about my consumer debt. I went on to pay it off but without the expectation that he should help me. Throughout the relationship we had a full understanding of the other’s income, financial assets and liabilities even though we maintained separate finances. Be an open book with your partner where money is concerned. Whether you decide to merge finances, keep them separate or find your own middle ground, it should be done with transparency and honesty.
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Giveaway: Enter to Win a $100 AMEX Gift Card Posted: 20 Aug 2014 10:57 AM PDT Giveaway: Enter to Win a $100 AMEX Gift Card is a post originally published on: Everything Finance - Everything Finance - Its all about Money!
Just to say how much we appreciate your loyalty, we are giving away a $100 AMEX gift Card.
Please Enter with Rafflecopter form on the bottom of the post. There are 4 ways to enter and improve your chances of winning:
Good luck! If you win, we’ll send you the $100 AMEX gift card via USPS mail. **** For US readers only ***For questions about American Express Gift Cards, eGift Cards or Business Gift Cards, please use the Search box located in the upper right corner. Alternatively, you may call 1-877-297-4438 for questions about American Express Gift Cards or eGift Cards. |
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6 Lessons for Saving on Back-to-School Tech Posted: 21 Aug 2014 07:13 AM PDT 6 Lessons for Saving on Back-to-School Tech is a post originally published on: Everything Finance - Everything Finance - Its all about Money!
According to American Express’s annual back-to-school spending survey, K-8 students are the biggest users of technology during the school year. Meanwhile, theNational Retail Federation reports parents of high school students will shell out the most on technology, with the average family spending $230. The increased demand for electronics doesn’t have to break your budget. Consider these six savvy tips for saving on back-to-school tech. 1. Trade Up 2. Shop Open Box 3. Wait For New Releases 4. Grab a Bundle 5. Study the Price Policy 6. Buy Accessories Online
For all media inquiries, please contact Andrea Woroch at 970-672-6085 or emailand...@kinoliinc.com. |
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3 Ways to Save Money on Your Beauty Routine Posted: 23 Aug 2014 05:44 PM PDT 3 Ways to Save Money on Your Beauty Routine is a post originally published on: Everything Finance - Everything Finance - Its all about Money!
How many of you have hoarder tendencies when it comes to your beauty routine? I know I’m not the only one. I used to have a full drawer full of nail polish, even though I never painted my nails because I always went to the salon to get a mani-pedi. The nail polish would just sit in the drawer and eventually get all gloppy, making it useless. I then switched to lipsticks, collecting dozens and dozens of lipsticks. Repeat the process with eyeshadows, face cream, under-eye cream, lotion, repeat, repeat. It’s a sickness, really. To watch that much make-up go to waste was a big eye-opener on how much I actually spend on my beauty routine and I vowed to be more frugal. Yes, it’s true that a $5 nail polish or a $10 lipstick isn’t going to break or make the budget, but a whole basket full of them? It’s ridiculous. Be More Low Maintenance I used to always have my nails painted some color of the season. But I found that the nail polish would chip and I just wouldn’t have time to spend an hour (applying and waiting for my nails to dry) to touch up my nails. SO I switched to clear nail polish or pretty nudes that aren’t as noticeable as bright or deep colors. I still look polished but without the hassle. I’ve applied this rule of thumb to other beauty routines as well, such as going with a darker hair style that hides my roots and stretches the amount of time I can go in between hair appointments. Use Up Samples How many times have we gotten free samples or a free gift with purchase and end up dumping those samples in a bag and storing them for years because we may use them at some point? Except we always forget about them! I actually went through all my samples and I had 8 different samples of face wash. I forced myself to stop buying face wash until I go through every single sample. Try the Beauty School Beauty schools have to have trained professionals to supervise the students, so it’s not like you’re going to get a horrible job done. If you’re wary, try them out with something not as obvious as your hair, for example. Maybe do a test run with a mani-pedi, eyebrow wax, or facial. Then move on to a trim before you feel comfortable enough to get your hair done as well. Beauty schools can seriously save you hundreds on your beauty routine. |
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Stake Your Claim: Counting the Cost of Workplace Accidents Posted: 26 Jul 2014 04:43 AM PDT Stake Your Claim: Counting the Cost of Workplace Accidents is a post originally published on: Everything Finance - Everything Finance - Its all about Money! The workplace can be a dangerous environment. It’s hard to believe as you sit at your desk refreshing Facebook or sending flirty email’s to your colleague, but over one million people suffer from work-related illnesses each year. More shockingly, although this equates to a whopping 27 million lost working days, over 170 employees actually lost their lives while carrying out their duties. Even though you may feel safe tucked away in your cosy cubicle, there are things that can adversely affect your health – and your employer has a duty to protect you. Whether you’ve suffered a back injury, slipped on a wet floor or had an anvil fall on your head, your employer has a legal responsibility to report the accident and offer Statutory Sick Pay if you need time off due to the incident. Importantly, if your injury has been caused by negligence on your employer’s side, you may be entitled to claim compensation. But how do you go about it? Read Up On Your Rights It’s not expected that you head to law school in order to claim compensation, but aside from contacting an injury solicitor to help you with your case, you should carry out your own research. Vitally, remember that your employer can’t dismiss or discipline you for pursuing a claim. Put It in the Accident Book Whether you’ve tripped on an uneven paving stone or slashed your hand with a kitchen knife, make sure you note the accident in your work’s accident book. Why? Because it’ll give you the traction you need when the time comes to make a claim – and may prevent the same thing happening to someone else. Claiming Sick Pay Depending on the severity of your accident, you may need some time away from the workplace. If so, you’re entitled to Statutory Sick Pay. Some workplaces may have Contractual Sick Pay in place, however, which offers you more cash for the duration of your convalescence. Making a Compensation Claim Once you’ve decided to make a claim, you must do so within 36 months of the accident taking place. Member of a union? Speak to them for further advice before contacting your own solicitor, as it’s likely they’ve dealt with similar situations many times over. The Repercussions Making a claim against your employer can be a nervy experience, but it’s important to remember that if things go wrong, you have every right to be compensated. Additionally, your employer typically won’t be paying out of their own pocket, with most costs covered by their liability insurance for such instances. |
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Should You Hire a Resume Writer? Posted: 28 Aug 2014 02:05 PM PDT Should You Hire a Resume Writer? is a post originally published on: Everything Finance - Everything Finance - Its all about Money!
Turning to fiverr »”>Fiverr for a ResumeI have dealt with Fiverr for a few things in the past, and basically, you get what you pay for. I was amazed to find an experienced resume writer on Fiverr for a good price. Of course, for $5 you only get a template. However, if you want your whole resume done, it just costs an extra $20. Want her to throw in the cover letter too? Just add $10. It will take a week to get back your resume, unless you pay extra for 24 hour services. I was just so impressed by what this lady did, that I could not keep it to myself. I seriously gave her a resume that looked like it was written by an inept high schooler. It had a lot of information missing. She came back with a resume that looked professional and was full of tasks my father had completed – tasks that neither one of us had thought of. For example, I had originally put that he did inspections and worked with measuring tools. She came back with 3-5 detailed points of the type of inspections he did, the types of tools he used, how he cleaned and serviced the machines. How did she know all of these details when I didn’t give them to her? She did her research on what typical machinists do and amplified it in my father’s resume. Should You Hire a Resume Writer?Maybe you are wondering if a resume writer is the right path for you. Here are some points to consider:
If you do decide to go with a resume writer, I highly suggest the one I found on Fiverr. Her username is Boomsa. She has been a recruiter for 15 years and moved full-time to resume writing on Fiverr to earn money for adoption. She is so successful that she already earned enough for her first adoption, and she is now working towards her second adoption. Great service for a great cause. If you choose to find a resume writer elsewhere, look for personalized services. Avoid resume writing mills that give you a generic resume. And please, by all means, avoid Craigslist! |
