Tuesday, April 23, 2019

Should you work from home?

Can you imagine a time when you can actually work from home and do things like homeschool your kids or be more in tuned with your home life. Maye you are thinking what should I do with my life?  I choose a long time ago to work from home because of health reasons and the need to help my special needs family.   It is not super easy to get a job that pays enough to stay home with the kids but I do just get by and I know that there are so many others out there that can really make a huge living working from home.

It has to do with not only effort that you can put into a job and the training you have but also the ways that you choose to work.   You can even be your own boss if you can craft or create a Etsy shop or maybe even sell on ebay.   Bloggers or social media influencing is a really tough job and we are often very underpaid or sent little in the way of product samples but there are ways to really increase your outcomes if you put in the time and meet the right connections.

Not everyone is going to be the right fit for staying at home and some people will require the need to have more social interactions, but with social networks like skype, you can attend meetings and take part in any more interactive moments if you choose to.   I like to use email as a main source of contact and I also work extremely hard all day long not only on my site, but homeschooling, taking care of rescue pets and my special needs kids along with helping my community.   Let's take a minute to talk about why you should work from home. It is great to be able to be with your new or growing family, or maybe your disabled but, even if you have crippling anxiety and just can not go out into the world there is no reason needed really just get motivated, find your niche and roll with it.

People often do not believe that there are legit jobs out there for stay at home people, and that is simply not true for example there is an article 20 best work-from-home jobs that list some really good options like 
Virtual assistant
Medical transcriptionist
Translator/interpreter
Web developer/designer
Call center representative
Tech support specialist
Travel agent
Teacher/tutor
Writer/editor
Franchise owner
Social media manager
Child care provider
Graphic designer
Short-term rental host
Website tester
Licensed insurance representative
Bookkeeping, accounting and audit clerks
Marriage and family therapist
Registered nurse
Event planner

 Whatever it is the you choose to do in life I hope that you are very successful and do not be discouraged if it is not working out right away, you can always change course or modify any opportunities to help get the best benefits.    Do not be afraid to take risks with trying new tasks and keep a positive outlook on the adventure should you choose working from home. 

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Ideas for Debt Consolidation Truman Advisors

What exactly is debt consolidation and when do you need to think about utilizing it?  Debt consolidation works when it lowers the interest rate and reduces the monthly payment to an affordable rate on unsecured debt such as credit cards.  If you had had enough of watching your credit card balance rise every month plus the balance has reached levels that are starting to overwhelm you while you are weary of the anxiety this is bringing into your life every month, and you just need a plan you can follow. At that point debt consolidation is something you should strongly consider.

Here are some ideas with Truman Advisors to help with debt consolidation. 

One common strategy is debt consolidation, rolling multiple debts into a single loan or credit card at a lower interest rate. Consolidation works best for high-interest-rate debts such as credit cards. Households that carried credit card debt last year had balances averaging $16,748, according to an annual study by NerdWallet.

A basic budget allocates money for debt payments, an emergency fund and contributions to retirement savings, but that isn’t enough when consolidating, says Lara Lamb, a certified financial planner at California firm Abacus Wealth Partners.

Quit using your cards is a cardinal rule of consolidation is not using your credit cards as you pay off debt.

Locking away cards doesn’t mean closing accounts, which could hurt your credit. The one exception to the no-use rule is a nominal charge on your card every few months — paid on time and in full — to keep the account active and your credit intact, says Shawn Tydlaska, a certified financial planner at California firm Ballast Point Financial Planning.

Balance transfer cards let you shift over debts from other cards and charge no interest for a limited time — the best ones offer from 15 to 21 months — after which a double-digit interest rate kicks in. Most cards charge balance transfer fees and require good credit scores and high incomes to qualify.

Also remember to think about a few simple questions:

How much debt do you have? Gather all credit card statements, and add up how much debt you owe to your creditors.

How much can you realistically put toward paying the credit card monthly? The goal is to pay off debt quickly, so tally up how much you can afford to allocate monthly.

How long is the introductory low-APR window? A longer APR duration gives you more time to pay off debt before the rate reverts to the standard, and usually much higher, APR.

Lastly a tip from Discover is 0% APR doesn’t mean FREE

While a 0% intro APR is a great way to pay off credit card debt faster, and save on interest payments, it’s not free like most consumers think. Balance transfer fees are typically charged, which range from 2 to 5 percent of each balance transferred.

In most cases, despite the upfront costs, you’ll still enjoy substantial savings in the long-term. However, it’s something to consider when deciding if credit card consolidation is right for you. 

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Websites for finding a college scholarship

According to wikipedia A scholarship is an award of financial aid for a student to further their education. Scholarships are awarded based upon various criteria, which usually reflect the values and purposes of the donor or founder of the award. Scholarship money is not required to be repaid.  As a mom I am always thinking about ways to help my family or friends financially and I know first hand that college can be ridiculously expensive.   I am not sure if everyone know we have some options to help offset or in some instance provide free help for getting an education.

It doesn't matter what age you choose to go to college or what your skill are, there is no wrong way to learn and with this list of websites that I found thanks to clark. com  you may be well on your way to starting the process of finding an amazing resource for scholarships like Danny Errico. I am going to pull some of them from this article and include them here for quick reference but please take the time to read more about them.

Fastweb hosts more than 1.5 million scholarships that provide more than $3.4 billion in funding. Once you create a profile, the site’s search feature will help you find the most accurate matches that fit your needs. Your personal profile is how the site helps you find pretty much exactly what you’re looking for.

While the College Board is known for its college-readiness tests, it also has an arm that focuses on scholarships. Big Future hosts scholarships, as well as other financial aid and internship information from more than 2,200 programs — totaling nearly $6 billion. In order to get the most accurate search results, it’s critical to fill out as many details as you can in the profile that’s used for searching.

Moolahspot isn’t as robust as some of the other scholarship databases, but in the search for a college scholarship, it’s another option to help you find extra money.

Cappex hosts a database of more than $11 billion in scholarship opportunities. Once you create a personal profile, you can search for opportunities that directly match your strengths and skills. Plus, Cappex has a tool that will calculate your odds of getting into a certain college before you even apply.

Peterson’s hosts $10 billion in scholarship opportunities and provides information to help you in your search. Once you fill out a short survey, you can filter your search results so they’re tailored to your specific needs.

According to the official Student Aid website, this free tool is a great resource for students to search more than 7,500 scholarships, grants and other various types of financial aid award opportunities.

The CareerOneStop tool allows you to:

Look through the site’s entire inventory of scholarships, arranged in order of closest deadline.
Narrow your list with a “search by keyword” option: Just enter a keyword about the type of award you’re looking for.

Use the filters to see opportunities for only certain types of awards, locations, level of study, and more.

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Mommy’s Playbook Giveaway Rules: This giveaway is Sponsored by Buddha Board and hosted by Mommy’s Playbook. Victoria and/or Mommy’s Playbook, Participating bloggers, are not responsible for prize fulfillment. By entering this giveaway you are giving the giveaway host and/or event sponsor permission to retain your email address for future communication, you may choose to opt-out of such communications at any time. This giveaway is not sponsored or endorsed by any social media outlet including, but not limited to, Facebook, Instagram, Twitter, and Pinterest.
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NatureZway Chemical-Free Cleaning Giveaway

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Welcome to the NatureZway Chemical-Free Cleaning Giveaway!

1 Winner

This giveaway is part of our Mother's Day/Father's Day/Graduation Gift Guide 

Host is Michigan Saving and More

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THE GIVEAWAY

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to continental United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 5/8/19. The winner will have 48 hours to email their information back  or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment. If you take an entry you must stay following for the entire contest or you will be disqualified.
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Salonpas No More Pain Giveaway

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Welcome to the Salonpas No More Pain Giveaway!

1 Winner

This giveaway is part of our Mother's Day/Father's Day/Graduation Gift Guide Host is Michigan Saving and More

THE GIVEAWAY

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to continental United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 5/14/19. The winner will have 48 hours to email their information back or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment.   If you take an entry you must stay following for the entire contest or you will be disqualified.

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