When I was a kid living at home, my folks had a major problem with our house’s plumbing. They were not making a lot of money, so it really had long term consequences for us when they had to pay thousands of dollars because of a drain issue. When I struck out on my own, my father gave me a list of things to do when I first bought my own house. One of those things was making sure to hire a reputable company that does drain cleaning in Hudson County, NJ.
If he and my mother would have done that on a regular basis, then they would have been out just a small amount since the problem would have been caught early on. Instead, they had no idea that tree roots were taking over the drain, cracking it and causing major blocks as well. Read more
If you’re like many of us, your New Year’s resolutions might look something like this: get healthy, lose weight, save money, travel more, find a new job or make new friends. In fact, there’s one way you can accomplish many of these things, often at once: by volunteering.
Volunteering your time, whether it’s in your community, your workplace or somewhere far across the world, is a wonderful way to give back. Volunteering is especially smart when it’s not in your budget to make a donation. Besides helping to better the lives of others, volunteering can have a lot of unexpected benefits on your own life, as well. Here are a few reasons, besides the obvious, why you might want to donate your time this year:
You can skip the gym:
Many volunteer opportunities require some physical activity. Becoming a committed volunteer could mean you’re regularly burning calories and working fitness into your lifestyle. A few examples include shoveling snow and raking leaves for the injured or elderly; working in a soup kitchen lifting boxes and serving the hungry; helping build and
Being financially literate, or understanding all aspects of your financial life, is crucial to becoming confident about money. But often, we’re too embarrassed or uncomfortable to talk about money openly.
According to a 2013 Wells Fargo survey of over 1,000 adults, 44 percent of respondents said “personal finances” is the hardest topic to discuss with others, followed by “death” at 38 percent and “politics” at 35 percent.
Money topics such as debt, student loans, salary, credit scores and even saving for the future can cause paralyzing anxiety. A 2014 National Foundation for Credit Counseling study on financial literacy showed that only 2 in 5 adults believe that, if their money could talk, it would say. “We’ve been a successful team.”
So to help improve your relationship with your money, we’ve raised 10 potentially embarrassing money topics and offered some suggestions to tackle them with confidence.
1. Spending well above your means. Though keeping up with the Joneses feels like a problem we should have grown out of in high school, we are all guilty of this from time to
A major concern for planners will be how to get WiFi at events. For many, the easiest solution will simply be to accept the internet solutions offered by the venue itself. These are often the default solution taken by many planners, though they are also often not the best option.
This is because the hard-wired solutions can be difficult to upgrade, and so the venue technology may only be as current as the date on which it was installed. As a result, it may not be a very current solution.
In addition, the venue technology can often be expensive. This is because it is the default, and so the venue facilities are still in the position to charge more than the technology really justifies.
A better option will be the rental of portable internet solutions from Trade Show Internet. They are less expensive, and because all of their technology is portable, it is also easily upgraded and kept up-to-date.
You can see daily forex technical analysis of major currency pairs.
Let’s see how the sale of the dollar, euro, pound and yen.
As the Forex market is trading the dollar?
US dollar – the world’s leading currency, acts as the main reserve currency in the world. According to statistics, over the past decade, more than 60% of foreign currency savings of the central banks of the leading world powers are kept in dollars. In the forex market, the US dollar, as well as the forecast of the dollar plays a special role. The majority of currency transactions on the Forex held with the participation of the dollar. On the dollar affect the macroeconomic indicators of the US economy, but this relationship can be seen only at a global trend. On average, and short-term periods – fluctuations of the dollar to a greater extent determined by the current currency speculation in the market. This point must be considered when forecasting the dollar. The main indicator of the dollar in the Forex market – gold. There is a growing gold – the dollar against major currencies – falls as the dollar and responds to changes in oil prices. Growing oil prices – reduced
NEW YORK — When some 120 million employees start filling out their open enrollment choices this fall, they will be presented with the usual health, dental and vision options. But a slew of other voluntary benefits are now popping up, ranging from critical-illness coverage to pet insurance.
Some group deals your employer will offer are true group discounts. Others merely make it easier for employees to sign up for coverage but provide no real cost savings.
Spotting the difference between a good deal and merely a convenient one requires shopping around to know the market value of the policies you are considering, according to benefit consultants.
“Some of those policies are going to be a perfect fit and valuable, and other things are not going to be useful,” says Jennifer Benz, who runs her own benefits firm based in San Francisco.
Here is what you need to know before you sign up:
For employees with a high-deductible health plan, which now accounts for about 25 percent of the workforce, a supplemental policy like critical illness insurance (for cancer and other major illnesses) can be helpful as a hedge, said Karen Frost, senior vice president of health strategies and solutions for Aon Hewitt, a benefits
Having a secure work area is vital to the business’s sustained good results. Worker mishaps could cause significant economic problems to the company and many of the companies in your business which were forced to shut down were seriously affected by unintentional personal injuries. Thankfully, there is certainly an efficient method to avoid many incidents and maintain your company running smoothly. The solution is a safe work method statement. It is essential to make an effort in the beginning of the enterprise to produce a health and safety approach so your potential future workers know the best way to do their responsibilities and lower the potential risk of accidental injury. To do their job effectively, workers must know the correct pattern of duties necessary to preserve safety. Through providing this valuable information for them in writing and also making certain they will comprehend the methods prior to they begin functioning, you are able to reduce the likelihood of accidents on your own construction site. Many business people compose their own swms however they rapidly figure out that the procedure is extremely cumbersome. Selecting somebody that is not coupled to the enterprise to help compose it may possibly help you save
As a routine shooter you would have to have been out to lunch the whole time since Obama got elected president if you haven’t seen that not just has ammo become increasingly difficult to get (each day lines form in many Walmart sports equipment departments at the outset of the morning hours if the ammunition shelving will be restocked) and also, the buying price of all ammunition has increased in recent years. It has become increasingly difficult to get cheap ammo and a lot of individuals have been required to resort to discovering AMMO ONLINE FOR SALE. This is really a good element, for rather than running across town, burning high-priced gas, standing in line often just to turn out to be let down, on the Internet at web-sites including ammo.net you can actually acquire less expensive costs and definitely will find a steady source. In fact their site is placed in a way that you are capable of seeing the actual moment actual stock of each and every form of bullets which the business has in stock. Shipping is actually lightning swift – in case you put in your ammo order before 3 pm during the morning it should
As fans all over the world eagerly await the December release of “Star Wars: The Force Awakens,” we are continuously reminded that the global Star Wars phenomenon isn’t just about movies.
Sure, it all starts with the movies, which have earned billions of dollars at the box office. However, it extends far beyond the movie theater. There are novels, comic books, video games, lunchboxes, clothing of all shapes and sizes, breakfast cereals, action figures, bobbleheads and even a Darth Vader refrigerator — all of which you can buy with a Star Wars Visa credit card. But is this card something that Star Wars fans should add to their collection or something they should avoid like a confrontation with Darth Vader? Let’s break it down …
The card is part of Chase’s Disney Visa card program and is available in three different Star Wars-themed designs: one featuring Darth Vader, another with Yoda and another with R2-D2 and C-3PO. It also comes with rewards aimed toward fans of the films, including:
- 10 percent off purchases $50 or more when you use the card at the Disney Store or DisneyStore.com. (Reminder: In 2012, Disney bought Lucasfilm, the company that created the Star Wars franchise under founder
When her father was diagnosed with a respiratory disease about seven years ago, Joy Frank-Collins juggled her work schedule and parenting demands to maximize the time she spent by his side. Frank-Collins, a 41-year-old who heads her own communications firm in Marietta, Ohio, also coordinated with her siblings to pay for expenses that weren’t covered by insurance. “If you know your parents will need your help, you have to think, ‘What can I set aside to provide the necessary support for my parents?'” she says. After a long fight with his illness, her father died at age 75 in January.
As a member of the sandwich generation — adults who simultaneous care for children and aging parents — Frank-Collins had to navigate what is becoming an increasingly familiar challenge. “Individuals who find themselves in the sandwich generation are forced with contemplating taking care of things today in a way that may negatively impact their future,” says Rebekah Barsch, vice president of financial planning for Northwestern Mutual. Family members might cut back on their work hours or sacrifice savings in order to care for aging parents, she adds. “The pressure, both financial and emotional, weighs on people,” she says.
Those pressures are one
Investing can be scary, especially in the short term. When you retire, it’s hard to watch the value of your lifetime of savings fluctuate as financial markets bounce up and down. Fear is a powerful sales tool.
Immediate annuities are an insurance product that prevents you from losing money and offers the benefit of guaranteed payments. However, there is a catch with those guarantees. Many annuities aren’t guaranteed to keep up with inflation, so the purchasing power of those guaranteed payments could decline over time. Tying up a significant portion of your money in an annuity also takes away some of your financial options and flexibility, because you can’t always get the money back out easily. And some annuities are outright expensive.
Here are some of the issues you could face if you invest your retirement savings in an immediate annuity.
Inflation risk. Inflation has been artificially low for years due to manipulation by central banks and the slow growth patterns of the economy. As a result, many people have forgotten how inflation can reduce the buying power of fixed income payments and guaranteed rates of return.What is Inflation?Start Now »View all Courses
Inflation is a normal occurrence as the cost of goods and
Nervous investors should think twice before diving into so-called defensive stocks, especially those securities with high dividends. You might end up putting more risk into your portfolio than you realize.
Stocks that have less volatility than the overall market and pay higher dividends than most other stocks are often seen as a way to reduce risk in a portfolio. Traditionally, these are found in the defensive sectors, including consumer staples, utilities and health care.
Given the state of the world, it’s easy to see why investors would want to get defensive. The war in the Middle East is certainty getting hotter. Cities are under the threat of terrorist attacks, and tensions between Russia and Turkey increased when Turkey shot down a Russian warplane on the Syrian border. Meanwhile, the European economy still looks saggy and the once-fast growing Chinese economy is decelerating. And the Federal Reserve looks set to start raising the cost of borrowing money sooner rather than later.
Sectors are trading at high multiples. The problem is that “the defensives are expensive,” says Ramona Persaud, portfolio manager for Fidelity Global Equity Income fund (FGILX), the Fidelity Dividend Growth fund (FDGFX) and the Fidelity Equity Income fund (FEQIX). Many of the
Millennials have had a rough road when it comes to money. Not only did they come of age during the Great Recession, which made jobs scarce and benefits even scarcer, but many saw their parents lose big time in the stock or real estate markets, which scared them off of making their own investments. Still, there’s no more time for excuses, because millennials are all grown up and taking on increasing amounts of responsibility. From mortgages and parenthood to caring for aging parents, millennials are facing big financial milestones, whether they’re ready or not.
According to Bank of America’s Year-End Millennial Snapshot, which analyzed 2015 data from over 3,500 millennials, this young cohort of 20- and early 30-somethings continues to struggle financially: a tough job market, hesitancy to invest and student loans are just a few of the challenges in their way to prosperity. Still, the data suggest they are firmly committed to achieving financial independence one day. About half of millennials said the Great Recession changed the way they think about saving, investing and spending, with 40 percent saying they are more reluctant to invest in the stock market and 36 percent saying they are more hesitant to buy a