Career and Income http://www.wisebread.com/taxonomy/term/4/all en-US 8 Ways College Students Can Save Money Before Class Starts http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-college-students-can-save-money-before-class-starts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/student_with_books_000045839110.jpg" alt="College student saving money before classes start" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>College tuition and housing is expensive enough on its own. But then you start adding up all of the other college costs, both in and out of the classroom, and things can become quite overwhelming. Fortunately, there are ways to save significant money on expenses if you do some planning and look for out-of-the-box ways to save. (See also: <a href="http://www.wisebread.com/college/college-resources?ref=seealso">40+ College Resources for Parents and Students</a>)</p> <h2>1. Buy Textbooks Used</h2> <p>News alert: Brand new college textbooks are really, really expensive. Fortunately, the ease of shopping online has created an excellent way to buy gently used textbooks at a steep discount. We're talking over 75% off the retail price of new books and savings in the range of $1,000 over the course of an academic year. A few excellent online resources worth exploring include&nbsp;<a href="https://www.chegg.com/used-textbooks">Chegg</a>, <a href="http://www.anrdoezrs.net/click-2822544-11662519-1420053963000?sid=kjames-1536773" target="_top">eCampus.com</a>, <a href="http://www.jdoqocy.com/click-2822544-7391941-1425315629000?sid=kjames-1536773" target="_top">AbeBooks.com</a>, <a href="http://www.bigwords.com/">BigWords.com</a>, and even <a href="http://www.barnesandnoble.com/h/textbooks/used">Barnes &amp; Noble</a> has entered the used textbook field. (See also: <a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks?ref=seealso">20 Places to Buy or Rent Textbooks</a>)</p> <p>You can also sell back used textbooks for a pretty decent return, so be sure to take care of the books as condition is a huge factor when determining how much you'll get back at the end of the semester. If you don't want to buy your books, you can also look into renting them for the semester and saving a good chunk of change in the process. A few resources worth exploring include&nbsp;<a href="http://www.textbookrentals.com/">TextbookRentals</a>, <a href="http://www.tkqlhce.com/click-2822544-10734724-1428334428000?sid=kjames-1536773" target="_top">BookRenter</a>, and <a href="http://www.amazon.com/Rent-Textbooks/b/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=5657188011&amp;tag=wisbre03-20&amp;linkId=52PUT3E2P7YMCVMA">Amazon</a>.</p> <h2>2. Ask About Student Discounts</h2> <p>When buying items like clothing, shoes, backpacks, and laptops in preparation for the upcoming school year, it would really benefit you to ask about student discounts. A few examples of discounts available include 20% off your order at Banana Republic, 15% off at J. Crew, and even 10% off at your local Goodwill. When it comes to buying tech,&nbsp;<a href="http://www.bestbuy.com/site/global/college-student-deals/pcmcat276200050000.c?id=pcmcat276200050000">Best Buy</a>, <a href="http://www.apple.com/shop/browse/campaigns/education_pricing">Apple Store</a>, and <a href="http://www.dell.com/learn/us/en/6099/campaigns/welcome-to-dell-university">Dell</a> all have student-specific online programs that offer significant discounts. Apple, for example, is currently offering $200 off a new MacBook and up to $20 off an iPad.</p> <p>Typically, all you need to get the discount is your student ID. If you're a freshman and don't have an ID yet, just bring along your registration letter, or something similar, to prove your student status.&nbsp;Make it a healthy habit to always ask about student discounts when shopping anywhere. Also, be sure to ask when dining out as many restaurants offer unadvertised discounts to students.</p> <h2>3. Find Free or Cheap Transportation</h2> <p>Many colleges and universities team up with local bus authorities to offer free bus rides for students. Many incoming students are not made aware of this. Speaking from my own experience, I was a sophomore in college before I realized I could ride the local bus for free. Once you get on campus, ask around about this possibly free, or highly discounted, transportation method. Not only will you save on gas, but you'll avoid all of the other costs that come with maintaining a vehicle while in school.</p> <h2>4. Call Your Roommate to Avoid Duplicate Purchases</h2> <p>I'll never forget showing up on campus and meeting my first college roommate. It turned out we had quite a bit in common, including ownership of a microwave, mini-fridge, and 27&quot; tube TV. If only I had called him ahead of time to see what stuff he was bringing, it would have saved me significant money. After all, no dorm room ever built has enough room for all your stuff and it's silly not to share. Lesson learned the hard way. Always communicate with your future roommate and determine what items you actually need to buy.</p> <h2>5. Choose the Meal Plan That Works for You</h2> <p>I can remember a friend during my college days who paid for three meals a day (21 meals a week) in the school cafeteria but typically only went 10-15 times per week. At the time, I figured we was blowing close to $50 a week on uneaten meals, not including the money he spent eating out and at the grocery store. Always consider your eating habits when deciding on the right meal plan for you. For example, if you tend to skip breakfast and grab a bagel on the way out the door, you'll want to adjust your meal plan accordingly. Also, if you like throwing a sandwich together for a light lunch and have classes scheduled during lunch hours, you'll want to adjust your plan as well. Bottom line, don't blindly sign up for a meal plan without considering how much of the plan you'll actually use.</p> <h2>6. Research the Best Cell Phone Plan</h2> <p>You can also save significant money by researching the best cell phone plan that meets your specific needs. Simply adding another line to a family plan is not always going to give you the best deal. Or perhaps you're in a situation where that is not even an option. If you tend to use very few talk minutes (100 or less per month), you should consider a&nbsp;<a href="http://prepaid-phones.t-mobile.com/other-prepaid-plans">T-Mobile prepaid plan</a>. For a very affordable $30 a month, you get unlimited web and text, 5GB data at 4G speeds, and 100 talk minutes. I have this no-contract plan and absolutely love it.</p> <p>If you're a big talker and texter, but don't necessarily need high-speed data because of free college Wi-Fi, consider&nbsp;<a href="https://www.cricketwireless.com/cell-phone-plans">Cricket Wireless</a>. For only $25 per month, you get unlimited talk and text, all with no annual contract. If you need a data plan, you can upgrade to 2.5 GB for an additional $15 per month. You can either buy a phone directly from Cricket, or save money by scoring a deal on an unlocked used smartphone on eBay.</p> <h2>7. Set up the Right Student Checking Account</h2> <p>Never blindly accept the bank or checking account recommended by your school. In many cases, they're loaded with hidden fees and often times the college or university receives a kickback for promoting the bank, making it a biased recommendation. It's important to do some independent research and find the right checking account for you. Look for student checking accounts that have no fees for debit transactions, branches near campus so you avoid out-of-network ATM charges, and no monthly fees when a reasonable account balance is maintained.</p> <p>Also, if you're comfortable doing your banking via your smartphone, consider using an online mobile bank like <a href="http://www.wisebread.com/capital-one-360-review?ref=internal">Capital One 360</a>. The lack of physical branches is more than made up for by the lack of fees along with a decent interest rate. No overdraft fees, no minimum monthly balance required, and all completely FDIC insured. Are you worried about not being able to get quick access to cash? Don't be, as Capital One has over 2000 ATMs in addition to 38,000 fee-free ATMs account users can use. (See also: <a href="http://www.wisebread.com/5-best-online-checking-accounts?ref=seealso">Best Online Checking Accounts</a>)</p> <p>By doing your due diligence and researching frugal ways to save on college costs, you can definitely lower your stress level when it comes time to pay your monthly bills. After all, balancing college life and your studies can be stressful enough without worrying about finances too.</p> <p><em>What other tips do you have for saving money on college expenses?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts">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/20-places-to-buy-or-rent-textbooks">20 Places to Buy or Rent Textbooks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</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/100-ways-to-save-money-in-college">100 Ways to Save Money in College</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-score-free-or-almost-free-college-textbooks">How to Score Free (or Almost Free) College Textbooks</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/5-creative-uses-for-a-529-plan">5 Creative Uses for a 529 Plan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Education & Training college discounts meal plans saving money school students textbooks Fri, 28 Aug 2015 17:00:32 +0000 Kyle James 1536773 at http://www.wisebread.com 10+ Smart Ways to Get a Small Business Loan http://www.wisebread.com/10-smart-ways-to-get-a-small-business-loan <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-smart-ways-to-get-a-small-business-loan" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000037497774.jpg" alt="Woman finding smart ways to get a small business loan" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Money is the lifeline of any small business.</p> <p>And using financing to maintain healthy cash flow can be essential for a sustainable operation. Still, when it comes to seeking financing, some business owners may not know where to begin. There are now more options than ever for the hopeful entrepreneur looking to get a bit of a boost to jump start a business. Here is a breakdown of some of the ways you can get financing for your business.</p> <h2>1. Business Loan</h2> <p>With over half of small businesses using them, <a href="https://www.sba.gov/sites/default/files/2014_Finance_FAQ.pdf">traditional bank loans</a> are still the most popular source of financing among small businesses. However, not every organization is able to secure one. According to a nationwide review of 10,000 loan applicants across 700 different industries, 82% of loan applications from small businesses are <a href="https://www.ondeck.com/company/in-the-news/press-releases/ondeck-main-street-pulse-report/">turned down by a bank</a>.</p> <p>There are two basic steps to increase your chances of landing a business loan.</p> <p>First, you need to build and maintain a strong business credit score. Don&rsquo;t confuse your personal credit score with your business credit score. Two thirds of U.S. small business owners haven&rsquo;t <a href="http://www.wsj.com/articles/SB10001424127887323893504578559420352637566">checked their business credit report</a> within the past two years. Before you apply for a business loan, find out your current business credit score, update any missing or incorrect information, and take steps toward improving it.</p> <p>Second, you need to establish a solid business plan, which not only details how you plan to operate your business, but also provides projections of revenues and expenses for the next five years. The more that you can back up your claims and projections with factual information, the better your chance of landing a business loan.</p> <h2>2. SBA Loan Programs</h2> <p>The U.S. Small Business Administration (SBA) offers <a href="http://www.sba.gov/loanprograms">several loan programs</a> for very specific purposes.</p> <h3>General Small Business Loans: 7(a)</h3> <p>This is the SBA&rsquo;s most common loan program, which is available to most small businesses that operate for profit in the U.S. and aren&rsquo;t delinquent on any existing debt obligations to the federal government. You can find more details about <a href="https://www.sba.gov/content/7a-loan-program-eligibility">7(a) loan program eligibility</a> at the SBA website.</p> <h3>Microloan Programs</h3> <p>With an interest rate ranging between 8% and 13% and maximum repayment term of up to six years, the SBA Microloan program provides loans of up to $50,000 to help small businesses in securing working capital, purchasing inventory or supplies, acquiring furniture or fixtures, or investing in machinery or equipment. The <a href="https://www.sba.gov/content/microloan-program">average microloan</a> is about $13,000.</p> <h3>Real Estate and Equipment Loans: CDC/504</h3> <p>A <a href="https://www.sba.gov/category/navigation-structure/loans-grants/small-business-loans/sba-loan-programs/real-estate-and-eq">CDC/504 loan</a> can be used for:</p> <ul> <li>purchasing land, including existing buildings;</li> <li>making substantial real estate improvements;</li> <li>renovating or modernizing facilities; and</li> <li>purchasing long-term machinery and equipment.</li> </ul> <h3>Disaster Loans</h3> <p>Most businesses whose real estate, property, machinery and equipment, inventory, or other business assets were destroyed in a declared disaster, may be eligible to a low-interest <a href="https://www.sba.gov/category/navigation-structure/loans-grants/small-business-loans/disaster-loans">disaster loan</a>. The SBA monies can be used to replace or repair the destroyed business assets.</p> <h2>3. Asset-Backed Loan</h2> <p>Trying to hire extra help during a busy season or taking advantage of a great opportunity to bulk up inventory for cheap can put your small biz in a cash crunch. One way to secure that much-needed capital is to use your accounts receivable or assets as collateral for a loan.</p> <p>Before you run to the bank with a list of all your business assets, you should realize that lenders are only interested in specific high-quality assets:</p> <ul> <li>accounts receivable under 60 to 90 days, depending on lender;</li> <li>heavy equipment;</li> <li>qualifying vehicles (e.g. trucks); and</li> <li>business inventory.</li> </ul> <p>To hedge the loans that they issue, banks generally <a href="http://www.entrepreneur.com/article/52726">appraise eligible receivables</a> and finished inventory at 70% to 80% and 50%, respectively, of their market value. The reason is that if you were to default on your loan or miss several payments, then the bank would liquidate the assets as quick as possible at a lower price. If the sale doesn&rsquo;t cover your remaining loan balance, you&rsquo;re still liable for it.</p> <p>By keeping in mind the lower asset valuations, associated loan fees, and applicable rules, asset-backed lending can be a useful source of financing for small businesses. This is why asset-based credit line commitments at the end of 2014 were <a href="http://higherlogicdownload.s3.amazonaws.com/CFA/72a44465-ed9d-4059-8a2b-308d81a7fe37/UploadedImages/2014%20Annual%20Asset-Based%20Lending%20and%20Factoring%20Survey.pdf">nearly $216 billion</a>, a 6.8% increase over 2013.</p> <h2>4. Kabbage</h2> <p>One of the main challenges of getting a loan for your small business from traditional lenders is that they base the majority of their decisions on a credit score. Even though small biz owners may lack the business credit score traditional lenders are looking for, they can still demonstrate a healthy cashflow through business data from connected sites, such as a QuickBooks, Square, Amazon, PayPal, or Etsy accounts.</p> <p>Leveraging this second type of business data, <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=22986011&amp;fot=9999&amp;foc=1" rel="nofollow">Kabbage</a> helps small businesses get the funding they need to grow. Through a fully automated, online platform, owners of small businesses can link their latest business data, allowing Kabbage to review the overall health of their business &mdash; not just a credit score &mdash; to approve and provide loans between $2,000 and $100,000 in minutes.</p> <p>Kabbage loans aren&rsquo;t for everybody. These are very short term loans that are payable within six months, requiring payment of one sixth of the total loan plus a monthly fee per month. Fees range between 1% and 12% of your loan for the first two months and 1% for each of the remaining four months. However, you can pay back your loan early without penalty and lower your financing costs.</p> <h2>5. Lending Club</h2> <p>The underlying idea of peer to peer (P2P) lending is to circumvent traditional lenders, such as banks, by crowdfunding funds from a large group of individuals. When one small business owner receives a P2P loan, his peers fund small portions of that loan and receive principal plus interest when the borrower repays the loan. In simple words: a peer lends to another peer. (See also: <a href="http://www.wisebread.com/peer-to-peer-lending-prosper-marketplace-or-lending-club?ref=seealso">Prosper or Lending Club?</a>)</p> <p>Founded in 2007, <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=22959155&amp;fot=9999&amp;foc=1" rel="nofollow">Lending Club</a> has issued over $11.17 billion in P2P loans since 2007. In 2012, Lending Club issued a total of <a href="http://www.federalreserve.gov/pubs/feds/2014/201410/201410pap.pdf">1,386 small business loans</a> with an average loan amount of $16,268 and an average interest rate of 13.39%. Collateral is not needed for loans under 100k and no appraisals or business plans required. You must own at least 20% of the business and have fair credit. Their loans start at 5.9% fixed and you can choose from 1-5 year terms. There is a one-time origination fee that ranges from 0.99-5.99%.</p> <h2>6. Prosper</h2> <p>The pioneer of P2P lending in the U.S., <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=22964539&amp;fot=9999&amp;foc=1" rel="nofollow">Prosper</a> uses a credit score-based model for evaluating its P2P loans. more than 2.2 million members and over $4 billion in funded loans. Small business owners can apply for P2P loans between $2,000 and $35,000 and individual lenders invest as little as $25 in each loan listing they select. A small business loan through Prosper can have an APR ranging between 5.99% and 36.00%. Unlike Lending Club which prefers businesses to have been operating for at least two years with 75k in annual sales, Prosper encourages budding entrepreneurs to apply.</p> <h2>7. CircleBackLending</h2> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26228790&amp;fot=9999&amp;foc=1" rel="nofollow">CircleBackLending</a> is also a P2P operator but uses institutional investors. Small business owners can borrow between $3,000 to $35,000 at CircleBackLending. Their unsecured loans are fixed-rate with interest rates starting at 5.96% for those with good credit.</p> <h2>8. PersonalLoans.com</h2> <p>Here you can find three types of personal loans: peer-to-peer loans, personal installment loans, and bank personal loans. However, due to applicable laws and regulations that vary by state, some of those loans may not available for you. Each type of loan at <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26133992&amp;fot=9999&amp;foc=1" rel="nofollow">PersonalLoans.com</a> has specific requirements. For example, the minimum requirements to qualify for a bank personal loan ranging from $1,000 to $35,000 are a credit score of 580, monthly income of $3,000, proof of employment or self-employment.</p> <h2>9. One Main Financial</h2> <p>Depending on your state of residence, you can borrow between $300 and $15,000 through <a href="http://www.dpbolvw.net/click-2822544-10762894-1411397282000">One Main Financial</a>. An important advantage of using this lender is that you can cancel your personal loan for any reason and return the money within 14 days without any early payment fees or other types of penalties.</p> <h2>10. Avant</h2> <p>Formerly known as Avant Credit, this issuer of personal loans can be an option for small business owners looking to start or build back up their credit history. While you don't need a FICO score to apply for a loan with <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26134021&amp;fot=9999&amp;foc=1" rel="nofollow">Avant</a>, all of your payments will be reported to the major credit bureaus, which helps to improve your credit score as long as you're making timely payments.</p> <h2>11. Small Business Credit Cards</h2> <p>By choosing the <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=internal">right small business credit card</a>, you can avoid a cash crunch and meet your financing needs to secure future income. Choose the card that offers the best bonuses for your purchases as well as additional benefits like travel perks if you travel frequently.</p> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050779&amp;fot=9999&amp;foc=1" rel="nofollow">SimplyCash&reg; Business Card from American Express</a> offers 5% cash back at U.S. office supply stores and on wireless telephone services. The <a target="_blank" href="http://www.wisebread.com/capital-one-spark-miles-for-business?ref=small-business-loan" rel="nofollow">Capital One&reg; Spark&reg; Miles for Business</a> offers 2x miles per dollar spent on every purchase. The <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=16530367&amp;fot=9999&amp;foc=1" rel="nofollow">Ink Cash&reg; Business Card</a> offers a 0% Intro APR on purchases and balance transfers for 12 months (after that the APR is 13.24%). (See also: <a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card?ref=seealso">The Difference Between Business and Consumer Credit Cards</a>)</p> <p>Responsible use of a small business credit card can also help you to separate your business and personal finances.</p> <h2>The Bottom Line</h2> <p>No matter the source of your financing, you should only seek a loan if you&rsquo;re experiencing a cash flow gap. This means that you need the money to meet the operating expenses for a guaranteed source of revenue. For example, you need the capital to buy a piece of equipment for an order that is double your actual capacity, or to hire additional employees during the Christmas season rush.</p> <p>There are several financing options available, so don&rsquo;t jump at the first loan offer that you receive, and always shop around for better rates.</p> <p><em>What are other ways to get a loan for your small business?</em></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/10-smart-ways-to-get-a-small-business-loan">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-credit-cards-for-small-businesses">The 5 Best Credit Cards for Small Businesses</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/cant-get-a-bank-loan-8-other-ways-to-finance-your-business">Can&#039;t Get A Bank Loan? 8 Other Ways To Finance Your Business</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-your-credit-score-suffering-without-your-knowledge">Is your credit score suffering without your knowledge?</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-prepare-for-a-home-purchase-in-2010">How to Prepare for a Home Purchase in 2010</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-rebuild-your-credit-in-8-simple-steps">How to Rebuild Your Credit in 8 Simple Steps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking Credit Cards Entrepreneurship borrowing money credit score financing loans small business Fri, 28 Aug 2015 13:00:20 +0000 Damian Davila 1539545 at http://www.wisebread.com 5 Things Never to Bring Up in a Job Interview http://www.wisebread.com/5-things-never-to-bring-up-in-a-job-interview <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-never-to-bring-up-in-a-job-interview" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_job_interview_000041648702.jpg" alt="Woman learning topics to never discuss in job interview" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Congrats on <a href="http://www.wisebread.com/10-essential-steps-to-take-before-a-job-interview">scoring that interview</a>! You clearly deserved it based on your resume and cover letter, but don't blow the opportunity by prattling on about these five topics you should never discuss <a href="http://www.wisebread.com/16-major-dos-and-donts-at-a-job-interview">during a job interview</a>.</p> <h2>1. Dirt on Your Former Employer</h2> <p>When your interviewer lists what makes their company special, it's really tempting to take that as a cue to rail against your old employer. But you should definitely avoid dishing about your former boss' failings, missteps, or the company culture. That leaves a lasting impression of a negative and petty employee. As far as they know, you will probably do the same to them in the future, and who wants that? Keep talking about your old company down to what you learned and how you honed your skill set &mdash; nothing more.</p> <h2>2. Personal or Romantic Details</h2> <p>Your <a href="http://www.wisebread.com/master-these-15-interview-questions">interviewer asks you questions</a> like, &quot;Do you have other commitments or life events that might get in the way of your job?&quot; This is not the time to start listing all of your very personal plans. Your dating status should not be vocalized. Giving too much background information on your family is also bad. Did you mother get sick last year and you had to take care of her for a while? Sorry, you can't bring that up in an interview &mdash; it may look like playing the sympathy card. Basically, personal details not only make the interviewer uncomfortable, but they take the focus off of your competence in the workplace.</p> <h2>3. Benefits and Payment</h2> <p>Don't mess with the process: Asking about the finer details of payment and benefits during the interview will not only dock you points, but you probably won't even get an answer until after you've been offered the job (which is now slightly less likely if you asked too early). Don't risk looking impatient and greedy. Your most burning question has to wait until you've floored them enough to get the offer.</p> <h2>4. Your Other Job Interviews</h2> <p>It's only Tuesday and you've got six more interviews this week, but that's not your current interviewer's business. Don't let them force your hand, but don't let them think they are just another interview, either. <a href="http://www.wisebread.com/5-scary-thoughts-everyone-has-during-a-job-interview">Stay confident</a>, positive, and genuinely interested in the position you're interviewing for each time. Bringing up your other prospects won't help you unless you have a solid job offer with competitive pay and benefits to use as leverage.</p> <h2>5. Religion and Politics</h2> <p>Yes, that same bit of etiquette your mother taught you is especially important in your career. Unless you're interviewing for an NGO or a political think tank, politics and religion are not safe water cooler discussion topics nor are they worth broaching in the job interview. Think what a disaster it would be if your interviewer didn't agree with your views! How you vote or pray should not determine whether or not you're a good employee, so don't give them a chance to judge your values outside of the office.</p> <p><em>What interview topics do you consider taboo? Share them in comments here, instead!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/5-things-never-to-bring-up-in-a-job-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-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/5-things-to-do-before-your-first-day-at-a-new-job">5 Things to Do Before Your First Day at a New Job</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-unexpected-costs-of-a-higher-paying-job-offer">4 Unexpected Costs of a Higher-Paying Job Offer</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-resume-rules-you-should-be-breaking">4 Resume Rules You Should Be Breaking</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/long-hours-and-other-employer-demands">Long Hours and Other Employer Demands</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-bad-habits-that-are-ruining-your-career">6 Bad Habits That Are Ruining Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building employment interview etiquette job interviews professional work Thu, 27 Aug 2015 17:00:14 +0000 Amanda Meadows 1533316 at http://www.wisebread.com 4 Times Student Loan Refinancing Can Save You Big http://www.wisebread.com/4-times-student-loan-refinancing-can-save-you-big <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-times-student-loan-refinancing-can-save-you-big" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_holding_coins_000062196700.jpg" alt="Man seeing signs of refinancing student loans" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's nothing cheap about going to college. According to the College Board, the average cost of tuition and fees for the 2014&ndash;2015 school year was $31,231 at private colleges, $9,139 for state residents at public colleges, and $22,958 for out-of-state residents attending public schools. It's thus no surprise that many students &mdash; like yours truly &mdash; pay their way through college with <a href="http://www.wisebread.com/7-ways-paying-off-student-loans-early-can-boost-your-finances">student loans</a>.</p> <p>Once you graduate and start paying back your student loan, however, you might begin to receive refinancing offers. But receiving an offer to refinance your student loan doesn't mean you have to jump at the opportunity. Here are four signs that you should refinance your student loan.</p> <h2>1. You Need a Better Interest Rate</h2> <p>One of the main reasons graduates refinance their student loans is to get a lower interest rate, which translates into a lower monthly payment.</p> <p>Student loan rates vary depending on whether you have a federal or private loan. If you have a federal student loan, which are easier to get with no credit history and low income (these comprise most of the loans I have), you'll pay a fixed-rate for the duration of the loan term. But there are different types of federal student loans. Direct Subsidized and Unsubsidized Loans offered by the federal government have a <a href="https://studentaid.ed.gov/sa/types/loans/interest-rates">fixed interest rate of 4.29%</a>, and federal Perkins Loans have a fixed rate of 5%. Your rates may be higher, depending on when you took out the loan.</p> <p>These rates might seem reasonable, but if you do some research you'll find that many private lenders offer better rates on their student loans. For example, SoFi and Earnest have <a href="https://studentloanhero.com/5-banks-refinance-student-loan-debt/">student loan rates</a> starting at 1.90% for variable rates and 3.50% for fixed rate.</p> <p>Refinancing and getting a cheaper rate and monthly payment frees up your cash, giving you more disposable income to pay off other debts or build a savings account.</p> <h2>2. You Have a Higher Credit Score</h2> <p>Of course, refinancing a federal or private student loan doesn't guarantee the lowest rate. To qualify for an interest rate lower than what you're currently paying, you need a high credit score.</p> <p>Unfortunately, federal student loans offer the same rate regardless of a borrower's credit history. So a student with an Unsubsidized Direct Loan and no credit history pays the same rate as a student with the same loan and a 700 credit score.</p> <p>If you have a credit score in the high 700s or 800 range &mdash; thus able to qualify for the best loan rates &mdash; a federal lender isn't going to drop your rate. A private lender, on the other hand, weighs your credit score, debt, and income when determining your rate. Refinancing with a private lender makes sense if you've built a strong credit history and are looking to save money.</p> <h2>3. You Need to Simplify</h2> <p>If you have both federal and private student loans (I'm with you here, too), juggling multiple lenders and payments can be overwhelming and confusing. Refinancing and combining your federal and private loans into a single debt can simplify your finances.</p> <h2>4. You Have a Stable Job</h2> <p>Although refinancing your federal and private loans into a single loan can simplify your bills, you need to evaluate your job situation and then decide whether now's the best time to give up your federal benefits.</p> <p>If you have multiple federal loans, you can apply for a Direct Consolidation Loan and combine them into a single one. But unfortunately, you can't consolidate private loans into a federal loan. Therefore, if you have a mix of federal and private debt, and you're looking to consolidate, the only option is refinancing with a private lender.</p> <p>A private lender might offer a better rate, but they don't always offer the protection or benefits of a federal loan, such as flexible repayment options. If you have a federal student loan and experience economic hardship after losing a job, you can apply for deferment or forbearance and temporarily stop making your payments. Or you can negotiate a lower monthly payment. Depending on your occupation, you might even qualify for <a href="https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation">public service loan forgiveness</a> or teacher loan forgiveness. Unfortunately, these benefits aren't necessarily offered with all private loans. Check with each prospective lender to understand their precise offerings.</p> <p>Before refinancing a federal loan into a private one, seriously consider the stability of your job and income. If you're a high-income earner working in a field with a low unemployment rate, by all means, switch from a federal loan to a private loan if you can save money. But if you have other debts, a low-paying position, or you're still living paycheck-to-paycheck, it might be better to stick with a federal loan, just in case you need to take advantage of guaranteed hardship provisions.</p> <p><em>Are there other signs that you should refinance your student loans that you'd like to add? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/4-times-student-loan-refinancing-can-save-you-big">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/3-private-lenders-that-can-really-save-you-money-on-your-student-loans">3 Private Lenders That Can Really Save You Money on Your Student Loans</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/student-loans-how-to-make-post-college-decisions">Student Loans: How to Make Post-College Decisions</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/cancel-student-loans-to-save-and-receive-an-interest-free-120-day-loan">Cancel Student Loans to Save — and Receive an Interest-Free 120-Day Loan</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-get-student-loan-debt-forgiveness">8 Ways to Get Student Loan Debt Forgiveness</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/which-student-loan-repayment-plan-saves-you-the-most">Which Student Loan Repayment Plan Saves You the Most?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management Education & Training credit score federal loan interest private loan refinancing student loans Thu, 27 Aug 2015 13:00:12 +0000 Mikey Rox 1527052 at http://www.wisebread.com 6 Cool Jobs for Retirees http://www.wisebread.com/6-cool-jobs-for-retirees <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-cool-jobs-for-retirees" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000036819180.jpg" alt="Finding cool jobs as retirees to make extra money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While some of us will be lucky enough to have neither the need nor the desire to <a href="http://www.wisebread.com/4-reasons-early-retirement-might-be-financially-risky">work through retirement</a>, the truth is that a lot of retirees find themselves searching for employment.</p> <p>Whether you're thinking about your own future, or helping an older relative think about theirs, retirees can live and work outside the box. Here are some fun ideas for working in retirement.</p> <h2>1. Work in a National Park</h2> <p>National parks need all sorts of seasonal help, from gift shop workers to cooks and managers. If you love to travel and adore seeing the best that the United States has to offer, consider taking one of these jobs. Not only do you get to work in some of the most spectacular places on earth, but you'd most likely end up living nearby, too. Depending on the park and the job, you may even have housing provided or subsidized within the park itself.</p> <p>If this interests you, check out sites like <a href="http://www.coolworks.com/">Cool Works</a>. They don't just list jobs for retirees, but they have a lot of interesting jobs in a lot of interesting places.</p> <h2>2. Housesit</h2> <p>So many retirees want to travel, but a lot of people find that the cost is just too much once they are actually living off their retirement income. If you're willing to be flexible and do a bit of work in addition to your travel, housesitting could be the job for you.</p> <p>Housesitting isn't just limited to looking after the homes of people you know. Sites like <a href="http://www.trustedhousesitters.com/us/">Trusted Housesitters</a> help connect people who want to do this work with those who want it done. Many housesitting gigs are unpaid, but retirees who do this work often value accommodation savings while traveling.</p> <p>Some housesitting gigs come with extra work, like keeping up a small farm or caring for the home in particular ways. These are more likely to be paid, and will require you to have at least a minimum level of fitness to complete the tasks.</p> <h2>3. Consult</h2> <p>If you have an in-demand area of expertise, you might make a good consultant. Many observant people learn a lot about corporate structure, streamlining, finding good employees, and more during their working years. With some time and some focused effort, you can turn these observations into a thriving consulting business. Simply show people what you know, prove that it works and that it will help them, and you will be in great shape as a consultant.</p> <h2>4. Drive a Limo</h2> <p>Do you like to drive? If you're okay spending long hours in the car and have the physical capacity to help people with heavy luggage, you might have fun driving a limo in your retirement. You can choose to purchase your own vehicle, though many retirees find that it's easier to work for a company so that you don't have responsibility for the car and you don't have to get your own gigs.</p> <h2>5. Become a Tour Guide</h2> <p>Is there a place you love, or one you'd love to learn more about? Consider applying as a tour guide for that location. All sorts of places need tour guides: stadiums, factories, wineries, historical sites, and museums are only a few places to consider.</p> <p>Guiding requires you to spend quite a bit of time on your feet, and it can also require a lot from your voice. As long as you're comfortable in those two areas, and don't mind interacting with a lot of people, this could be a fun job for you when you retire.</p> <h2>6. Teach Fitness</h2> <p>There is a huge push right now to get seniors to exercise more. If you are fit and like working out, why not lead a class of your peers at the local gym? Teach other seniors athletic skills, like how to lift weights safely, do yoga, or have fun getting aerobic exercise, and make some money at the same time. It will help if you are already familiar with the discipline you want to teach and have any necessary certifications, though you can always pick these up along the way, too.</p> <p><em>Are you retired with a cool job? What do you do and how did you get into it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-cool-jobs-for-retirees">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-earn-extra-income-as-a-courthouse-researcher">How to Earn Extra Income as a Courthouse Researcher</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/book-review-work-less-live-more">Book review: Work Less, Live More</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/tiny-nestegg-retire-abroad">Tiny Nestegg? Retire abroad!</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/book-review-retire-on-less-than-you-think">Book review: Retire on Less Than You Think</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/book-review-cash-rich-retirement">Book review: Cash-Rich Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting Retirement jobs for retirees part time jobs retirees seasonal jobs working seniors Wed, 26 Aug 2015 21:00:28 +0000 Sarah Winfrey 1533295 at http://www.wisebread.com 10 Time-Management Skills That Will Help Your Kid Win at School http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-time-management-skills-that-will-help-your-kid-win-at-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/little_girl_ideas_000040220958_0.jpg" alt="Girl with time-management skills winning at school" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Want your kids to <a href="http://www.wisebread.com/12-back-to-school-shopping-tips-for-the-busy-parent">succeed at school</a> without spending every waking hour with their noses buried in books? Teach them how to manage their time most efficiently with these 11 tips on perfecting that September-to-May juggling act.</p> <h2>1. &quot;Mind Map&quot; Before a Writing Project</h2> <p>You may not have heard of &quot;mind mapping,&quot; but the concept isn't new at all. It's really just a fancy 21st &nbsp;century name for brainstorming, which we were taught as kids. Before your kid embarks on a project &mdash; particularly a written assignment &mdash; have them brainstorm their ideas, outline the steps of the project, and start organizing their thoughts into full-fledged ideas. That way, when it's time to get to the nitty-gritty of it all, the process will flow more seamlessly since all the moving parts will be in place.</p> <p>&quot;The best time-saving tip we know of is when a child has to write something &mdash; a book report, research paper, speech/presentation &mdash; is to use mind mapping,&quot; says Bryan Mattimore, chief idea guy at&nbsp;<a href="http://www.growth-engine.com/">The Growth Engine Co.</a>, an innovation agency. &quot;We have kids (and corporate innovation teams) create a mind map of what they might want to write first. It makes it a great deal easier for young and old alike to first get everything out in the mind map, so that they can write an outline and then more effectively and quickly write the piece.&quot;</p> <h2>2. Use a Calendar</h2> <p>I've used a monthly calendar to roughly plan out 30 days of advance assignments since I started my own business six years ago. I'm able to see what I've completed and what's coming up at a glance, and I can easily make room for additional assignments by moving other items around if need be. I've found this method of organization extremely helpful not only in terms of productivity, but also psychologically as the completed projects I cross off help ward off feelings of anxiety that I'm falling behind.</p> <p>Author Patty Wood suggests taking a similar approach with your child.</p> <p>&quot;Post a big school calendar above the child's desk or workstation so they have a visual of time and their assignments,&quot; she says. &quot;Have them put color stickers for tests and assignments on the due dates. When they look at any assignment, they can figure out how much work and time it will take to prepare and go on the calendar and assign time on days leading up to it. For example, if they have a speech on September 26, they can put an hour on, say, five days in the two weeks prior to the speech to get ready for it.&quot;</p> <h2>3. Prepare for the Next Day (or Week) in Advance</h2> <p>In addition to my monthly calendar, I also plan ahead on a more immediate level, like preparing my weekly meals all on one Sunday afternoon, as well as choosing and ironing that week's outfits. With all of those tasks out of the way for the week, I'm able to sleep in a few more minutes in the mornings and start my days with much less stress.</p> <p>Let your kids choose the clothes they'd like to wear that week, and invite them into the kitchen to choose what snacks and drinks they'd like in their lunches. As they get older, if this has become routine over the years, they'll eventually do all of this on their own (hopefully), so you can rest assured that your young adult is well on his or her way to being A-okay in the real world.</p> <h2>4. Establish a Dedicated Homework Time and Location</h2> <p>You'll have an easier time getting your child to do homework if you establish a dedicated time and location to do it. Once the routine is solidly in place, it will become habitual with, ideally, no after-school fuss.</p> <h2>5. Create a Checklist</h2> <p>In addition to my monthly calendar of projects, I also keep a daily to-do list &mdash; which includes both personal and professional items &mdash; to help me stay on task throughout the day. I try to plan them out in terms of the time I think each activity will take, but that's not always reliable as sometimes things don't go according to plan. Your kids can benefit from this system &mdash; and so can you &mdash; by providing them an outline of what needs to be done for the day and by what deadline.</p> <h2>6. Avoid Over-Scheduling Extracurricular Activities</h2> <p>A lot of kids get sidetracked or fall behind because of over-scheduling, and if that's happening in your family, it's time to take a step back and examine your priorities. Extracurricular activities &mdash; like sports, music, art, and theater &mdash; are important to your children's physical, social, mental, and emotional development, but not at the cost of education and overall well being. If they're doing too much in a day, and their homework or other educational pursuits are suffering, something has to go.</p> <p>Also, as a parent, stay sensitive to your child's demeanor and personality. If they're stressed out, unhappy, or constantly on edge, perhaps it's because they feel over-worked and overscheduled. Check in from time to time to see how they're doing in that regard.</p> <h2>7. Limit Phone/Social Media/TV Time</h2> <p>If you're addicted to social media, the Internet, or your e-mail like I am, you know firsthand how much time is wasted while you're on the phone and computer instead of concentrating on your work. This goes double for your kids whose hormones are raging amid all the traditional school drama that happens from pre-teen age all the way to high school graduation. To ensure their media doesn't interfere with their after-school responsibilities, limit the time they can spend on it by perhaps confiscating the devices until all homework, chores, etc. are finished, or granting them a certain amount of time to be online/the phone each night.</p> <p>You probably won't win any Parent of the Year awards in their eyes, but you're doing the right thing &mdash; and they'll recognize that someday.</p> <h2>8. Set Artificial Deadlines for Assignments</h2> <p>If your child has trouble remembering assignments or just procrastinates (like every other teenager &mdash; and adult &mdash; in the world), another potential tactic to take is to set artificial deadlines for assignments. I sometimes do this for myself if I dread a certain assignment, and I also employ this tactic when scheduling activities with my always-late husband. By creating a &quot;window of lateness&quot; as I like to call it, you can almost be sure that everything (and everyone) will be on time, or at least on the actual, much-later deadline.</p> <h2>9. Prioritize Assignments in Order of Importance</h2> <p>Kids tend to gravitate toward the easiest work there is, but that's not always the best approach to their assignments given that not all assignments are created equal. Some count for much more of their final grade than others, which makes the highly weighted projects a priority over smaller, more easily accomplished assignments. Review your child's schedule with them to go over their projects in depth to understand what they entail, recognize how much work they will require, and create a plan to meet the deadlines.</p> <h2>10. Keep a Regimented Schedule at Home</h2> <p>An after-school free-for-all will lead to certain disaster for your children in terms of their educational priorities, which is why it's in your entire family's best interest to keep a regimented schedule at home.</p> <p>&quot;To best help children manage their time effectively while in school, help them to understand and practice time management outside of the school day; this will allow them to internalize this structure and use it elsewhere, especially at school,&quot; says Dr. Lindsay Popilskis, certified school psychologist. &quot;Agree upon start and end times for academic tasks &mdash; such as homework &mdash; and fun tasks, and stick to those times. You may even set a timer for activities so that children can independently see how much time has been spent and how much time is left for each activity. With all that being said, the most important time for routine is bedtime. Without a good night sleep, children have difficulties maintaining their focus, which will not capitalize on their time no matter how managed it is.&quot;</p> <p><em>Do you have other time-management tips to help kids win at school that you'd like to add? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school">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/6-terrible-things-science-says-you-do-to-your-kids">6 Terrible Things Science Says You Do to Your Kids</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/frugal-ways-to-help-your-child-get-the-best-education">Frugal Ways to Help Your Child Get the Best Education</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/dont-panic-how-to-meet-a-deadline">Don&#039;t Panic! How to Meet a Deadline</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-having-kids-makes-you-more-frugal">8 Ways Having Kids Makes You More 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/are-private-schools-worth-the-money-they-demand">Are Private Schools Worth the Money They Demand?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Family Productivity children good grades homework kids planning school time management Wed, 26 Aug 2015 17:00:29 +0000 Mikey Rox 1536917 at http://www.wisebread.com 30+ Cash Back Sites to Earn You Thousands Per Year http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/30-cash-back-sites-to-earn-you-thousands-per-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_cash_000058424436.jpg" alt="Woman using cash back sites to earn her thousands per year" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Cash back sites are an awesome way to save a significant amount of money and <a href="http://www.wisebread.com/cool-convenient-cash-11-easy-ways-to-make-money-online">earn some extra cash too</a>. You save and earn money just for using their link to shop and use coupons. Some programs have additional ways to earn money by using their search engine or <a href="http://www.wisebread.com/resources/paid-surveys">taking surveys</a>. There are literally dozens of programs out there that can help you save and earn even more.</p> <p>Each one of the programs listed here is free and easy to join, has an active social media presence, and most importantly, pays as promised. So bookmark this article, take your time to review each opportunity, and take advantage of all that work for you.</p> <h2>Tips on Using Cash Back Sites</h2> <p>Cash back sites save you money by sharing the wealth. They earn a commission each time you click through to an online store from their site and make a purchase. In return for doing so, you receive a piece of that commission. The percentage can range from as little as 1% to as high as 25%, 30%, sometimes as much as 40%. The concept and process is simple, but there are a few things to keep in mind for maximum cash back savings.</p> <h3>Coupons</h3> <p>Most sites only allow you to use coupons and promo codes listed on their site. Using others may invalidate your cash back.</p> <h3>Gift Cards</h3> <p>Most programs do not allow you to receive cash back when using a gift card.</p> <h3>Don't Jump Around</h3> <p>Make sure you start your shopping through your favorite cash back site. There are cookies that track how you got to the store site and if your first visit is from somewhere other than your cash back site you may not get credit.</p> <h3>Cash Out Threshold</h3> <p>Be aware of the cash out threshold. Some programs let you cash out at as little as $1 or $5 while other program cash out points are as high as $25. A high threshold may still be worth it if the cash back rate is high and you're making a large purchase, so don't automatically disregard them.</p> <h3>Have a Few Favorites</h3> <p>Check them all out, but don't spread yourself too thin or you'll never accrue enough to cash out. Have two or three favorites and rotate among them depending on which one offers the best rate. With that said, a number of sites offer sign-up bonuses that are enticing enough to use them at least once.</p> <h3>Get the Most Savings</h3> <p>Sometimes you can save more by not using a cash back site. Have a special promotion, coupon, or gift card that will save you more? Use that instead!</p> <h2>1. Ebates</h2> <p><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=26471">Ebates</a> is probably the most well-known of any of the cash back sites. They even have television commercials, which I haven't seen for any of their competition. Their emphasis is on customer service as one of the best features as well as offering some of highest cash back rates around. Their rates are almost always competitive and sometimes much better, but it's always worth comparing with one or two other cash back or rewards site to be sure. A low cash out threshold and $10 gift card sign-up bonus make it worth joining and trying.</p> <p><strong>Where Available:</strong> USA, CAN, CHN, KOR, RUS.</p> <p><strong>Number of Merchants:</strong> More than 1800.</p> <p><strong>Cash-Out Threshold</strong>: $5 which is sent quarterly or rolls over until threshold is met.</p> <p><strong>Payment Methods:</strong> Check or PayPal. You can also send payment to a friend of your choice.</p> <p><strong>Mobile App Available</strong>: Yes.</p> <p><strong>Sign-up Bonus:</strong> $10 cash bonus after making $25 in qualifying purchases within 90 days.</p> <p><strong><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=26471">Sign up with Ebates and get $10 cash bonus!</a></strong></p> <h2>2. Swagbucks</h2> <p><a href="http://www.tkqlhce.com/click-2822544-10870210-1414506487000?sid=epic_cb">Swagbucks</a> is another well-known program with members earning close to a combined 100 million dollars in gift cards and cash. In addition to an extensive cash back shopping section, members can earn points called &quot;Swag Bucks&quot; by watching videos, taking surveys, playing games, and completing offers. It's the only site where members can earn $25 a month doing nothing more than using their mobile apps to watch videos.</p> <p><strong>Where Available:</strong> USA, AUS, CAN, IRL, UK.</p> <p><strong>Number of Merchants:</strong> More than 1500.</p> <p><strong>Cash-Out Threshold:</strong> $5 for gift cards, $10 Visa e-card (no fee), or $25 for cash via PayPal (no fee).</p> <p><strong>Payment Methods:</strong> Gift card, Visa e-card, or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes &mdash; multiple.</p> <p><strong>Sign-up Bonus:</strong> $5 after earning 2,500 SB within the first 60 days of membership.</p> <p><a href="http://www.tkqlhce.com/click-2822544-10870210-1414506487000?sid=epic_cb"><strong>Sign up with Swagbucks and get $5!</strong></a></p> <h2>3. InboxDollars</h2> <p>The&nbsp;<a href="http://trk.cotterweb.net/?a=13562&amp;c=16696&amp;s1=1079289">InboxDollars rewards program</a> has been around for 15 years and has close to 1.5 million Facebook likes. Right now their cash back shopping program only has eight stores including Walmart, Kohl's, and Kmart. On the plus side, the cash back rates are competitive, and it's easy to earn extra money just for for clicking on emails they send, taking surveys, playing games, watching videos, and completing offers. They also have printable coupons and an internet search program that pays 15 cents per day just like the&nbsp;<a href="http://bing-rewards.evyy.net/c/27771/89275/2168?subId1=1079289">Bing Rewards Program</a>, which doubles to 30 cents a day after you cash out your earnings for the first time and automatically become a part of their Gold Member program. At $30, their cash out threshold is on the high side, but they offer a $5 sign-up bonus. Even if you don't do anything more than use their search and earn function, you can reach the cash out amount.</p> <p><strong>Where Available:</strong> US, UK.</p> <p><strong>Number of Merchants:</strong> Eight.</p> <p><strong>Cash-Out Threshold:</strong> $30 which will be paid within two weeks of being requested.</p> <p><strong>Payment Methods:</strong> Check, which incurs a $3 processing fee, pre-paid Visa card (currently for US only) which incurs a $3 processing fee, pre-paid Visa e-card which has no fees, InboxDollars e-card which is connected to Tango, a company that offers a least 50 different gift cards.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $5.</p> <p><a href="http://trk.cotterweb.net/?a=13562&amp;c=16696&amp;s1=1079289"><strong>Sign up with InboxDollars and get $5!</strong></a></p> <h2>4. Ibotta</h2> <p><a href="https://ibotta.com/r/jcsgjbv">Ibotta</a> is probably the most robust and diverse of the cash back apps. They have the most cash back product ability of all of the apps included here and members have saved over 27 million dollars. In addition to getting cash back for grocery shopping, Ibotta offers cash back on apparel, electronics, wine and spirits, restaurants, home and office, travel, and entertainment. Most of the cash back opportunities are for in-store purchases, but there are some that can be redeemed online.</p> <p>In addition, Ibotta offers small rebates for staples such as bread, milk, and fresh fruit and veggies. Most items have to be purchased at approved stores, but their list is vast and the names are easily recognizable. Ibotta also offers incentives like bonus cash for redeeming a certain amount of rebates per month. Some offers can be redeemed multiple times. Ibotta also created team spirit cash back earning opportunities by encouraging members to join through Facebook, or create a team with referrals. The more everyone in the group earns, the more cash back bonuses each member gets. If you like mobile cash back apps, Ibotta is definitely one to have in your arsenal.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> More than 100.</p> <p><strong>Cash-Out Threshold:</strong> $10.</p> <p><strong>Payment Methods:</strong> PayPal, Venmo, or gift card (Amazon, Starbucks, Best Buy).</p> <p><strong>Sign-up Bonus:</strong> $1 after completing your first cash back rebate within 14 days.</p> <p><a href="https://ibotta.com/r/jcsgjbv"><strong>Sign up and start saving with Ibotta today!</strong></a></p> <h2>5. TopCashBack</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-12105289-1426149300000">TopCashBack</a> passes along 100% of the commission it makes to its members. Billed as the &quot;most generous cashback site,&quot; they make money by driving traffic to the store websites and through advertisements. When looking at the &quot;latest offers&quot; section on their homepage, the cash back rates were generally higher, sometimes more than two times higher than other sites. They have something called the &quot;Highest Cash Back Guarantee,&quot; and there is no minimum needed to cash out. Bonus: Members can earn free cash back by completing surveys, free trials, or requesting free samples.</p> <p><strong>Where Available:</strong> USA, CAN, AUS, IND.</p> <p><strong>Number of Merchants:</strong> Over 3500.</p> <p><strong>Cash-Out Threshold:</strong> None. As soon as you have money in your account.</p> <p><strong>Payment Methods:</strong> Direct deposit, PayPal, Amazon gift card code.</p> <p><strong>Other:</strong> Earn additional cash back from their &quot;Free Offers&quot; section.</p> <p><strong>App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus</strong>: None at this time.</p> <p><a href="http://www.anrdoezrs.net/click-2822544-12105289-1426149300000"><strong>Sign up and start saving with TopCashBack today!</strong></a></p> <h2>6. SavingStar</h2> <p><a href="http://savingstar.ojrq.net/c/27771/18896/758">SavingStar</a> is a hybrid site that offers both traditional cash back shopping like Ebates, and grocery shopping mobile app cash back like Ibotta. The traditional cash back shopping works exactly like the other programs with users clicking through to a retailer to make a purchase and receive a percentage of SavingStar's commission. The rebate rates are competitive and worth comparing to other sites. In some cases the rate may be better.</p> <p>The mobile app for grocery shopping works a little differently than the other ones listed here. Once joining, you will be asked to link your store loyalty cards to SavingStar. They will provide a list of stores which includes many local supermarkets as well as national chains, such as CVS and Rite Aid. From there you choose from among the offers available and they are loaded onto your cards. Before purchasing the item, scan your store card, as that information will be sent to SavingStar and that's how you will qualify for your cash back. They also offers &quot;receipt scan&quot; stores for specific retailers like Target and Walmart that don't have loyalty cards. Check their offers regularly because they have a &quot;Healthy Offer&quot; every week on items like fresh produce and occasional freebies where you are reimbursed the full purchase price.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Traditional Cash back stores</strong>: More than 500.</p> <p><strong>Number of Mobile Cash Back Offers:</strong> Varies but between 32 and 50.</p> <p><strong>Cash-Out Threshold:</strong> $5.</p> <p><strong>Payment Methods:</strong> Bank transfer, PayPal, or donate to charity.</p> <p><strong>Mobile App:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://savingstar.ojrq.net/c/27771/18896/758"><strong>Sign up with SavingStar and start saving today!</strong></a></p> <h2>7. Dollar Dig</h2> <p><a href="http://www.shareasale.com/r.cfm?B=569561&amp;U=255320&amp;M=51865&amp;urllink=">Dollar Dig</a> is a newer cash back site, having launched sometime in 2013. They have thousands of stores to shop through for cash back, coupons, and featured deals. Their cash out threshold is on the high side with members needing to reach $25 before being allowed to claim it. Their cash back rates are competitive, with some good deals thrown in now and again.</p> <p><strong>Where Available</strong>: USA, CAN, and numerous other countries.</p> <p><strong>Number of Merchants:</strong> More than 3200.</p> <p><strong>Cash-Out Threshold</strong>: $25.01 which can be requested immediately and is paid monthly, usually on the first of the month.</p> <p><strong>Payment Methods:</strong> Check (U.S. and Canada only) and PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.shareasale.com/r.cfm?B=569561&amp;U=255320&amp;M=51865&amp;urllink="><strong>Sign up and save with Dollar Dig today!</strong></a></p> <h2>8. FatWallet</h2> <p><a href="http://www.fatwallet.com/?referral=kaaff">FatWallet</a> is similar to Ebates in look and in feel. In addition to receiving cash back from purchases, FatWallet offers coupons, promo codes, free shipping offers, and special bundles. Their cash out threshold is reasonable at $10, and it's awesome that you can request payment immediately instead of waiting on their schedule.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 1600.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.fatwallet.com/?referral=kaaff"><strong>Sign up and start saving with FatWallet today!</strong></a></p> <h2>9. Coupon Cactus</h2> <p><a href="http://www.couponcactus.com/?ccid=170575">Coupon Cactus</a> has a mascot named Cody, and as the name suggests, the site provides coupon codes (U.S. and international) as well as cash back offers. You can explore their offers by category, popularity, free shipping, clearance, and more. They have thousands of online merchants to choose from and an easy sign-up bonus.</p> <p><strong>Where Available:</strong> USA-based, but it looks like people from any country can join as long as businesses delivers there and users are able to cash a U.S. check or receive PayPal payments.</p> <p><strong>Number of Merchants:</strong> Almost 4000.</p> <p><strong>Cash-Out Threshold:</strong> $10 which is paid quarterly or rolls over until members reach $10.</p> <p><strong>Payment Methods</strong>: Check or PayPal.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $3 bonus for signing up and liking their Facebook page.</p> <p><a href="http://www.couponcactus.com/?ccid=170575"><strong>Sign up for Coupon Cactus and get a $3 bonus!</strong></a></p> <h2>10. BeFrugal</h2> <p><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC">BeFrugal</a> started out as a coupon only site back in 2009 and expanded into cash back territory in 2011. In addition to offering cash back, coupons, freebies, and sweepstakes, they are one of the few sites to offer a &quot;Coupon Guarantee&quot; and &quot;Guaranteed Savings.&quot; They guarantee that a coupon on their site will work or you'll receive a $5 bonus. In addition, they guarantee to have the best cash back rate or they'll match the rate at 125%. That's cool, but their cash out threshold is on the high side at $25. Still, if you're going to make a large online purchase it could be worth a go as they offer $5 sign-up bonus.</p> <p><strong>Where Available</strong>: USA, UK. In addition, people from more than 100 counties can join and earn as long as they have a PayPal account.</p> <p><strong>Number of Merchants:</strong> More than 4000.</p> <p><strong>Cash-Out Threshold:</strong> $25, which is sent on the 15th of the month your funds are available. For example, if you reached $25 on the 17th of this month, you could request your money that day and it would be sent out on the 15th of next month.</p> <p><strong>Payment Methods:</strong> Check, PayPal, or gift card. Users outside of the U.S. will be paid via PayPal.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $5.</p> <p><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC"><strong>Sign up with BeFrugal and get a $5 bonus!</strong></a></p> <h2>11. MyPoints</h2> <p><a href="http://www.tkqlhce.com/click-2822544-11324935-1395932855000?sid=epic_CB">MyPoints</a> has been in business for almost 20 years. Members earn points, which can be exchanged for gift cards or cash. These points are earned by making purchases through the MyPoints cash back portal, or participating in one of their other activities &mdash; surveys, games, searching the internet, reading email, watching videos, and printing and using coupons.</p> <p>This rewards/cash back program has a couple of aspects that could potentially make it less desirable than other sites. First, the cash back rates. I compared MyPoints with other sites and looked at 10 merchants. In eight instances, the cash back rate was about half a percent lower, and in two cases it was about half a percent higher. Second, members who use the site earn points. Many sites do this and it's not a bad thing as long as points are equivalent to currency (i.e. one point = one penny, so 100 points = $1). In the case of MyPoints, the value of the points varies, and all are worth less than a penny each. For instance, a $10 Applebee's gift card is 1650 points, the equivalent of $16.50 if each point were worth a penny. Still, with a $10 gift card bonus for signing up and making a cash back purchase of $20, it's worth a shot just for that.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 1900.</p> <p><strong>Cash-Out Threshold:</strong> $10 gift card or $25 PayPal.</p> <p><strong>Payment Methods:</strong> Gift card or PayPal when enough points have been accrued.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $10 gift card when a purchase of $20 or more is made through their cash back shopping portal.</p> <p><a href="http://www.tkqlhce.com/click-2822544-11324935-1395932855000?sid=epic_CB"><strong>Try MyPoints and get a $10 gift card!</strong></a></p> <h2>12. Upromise</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-12085508-1437073828000?sid=epic_CB&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Everyday%20Spending%20-%20Learn%20More">Upromise</a> is a cash back site whose mission is to help people save for college (for themselves or someone else). It's not, however, like a <a href="http://www.wisebread.com/5-creative-uses-for-a-529-plan">529 Plan</a>, which is designed to help families save money for college through interest bearing accounts. Nor does it have tax benefits like a 529 Plan. In fact, the money saved with Upromise does not have to be used for educational purposes at all and can be withdrawn at any time as long as the minimum cash out balance is met.</p> <p>Like its competitors, Upromise offers cash back for online shopping. In addition, users can earn cash back when they register their credit card and dine out, book travel through their website, or acquire a Upromise branded credit card. Users also have access to grocery and drugstore e-coupons when they register their loyalty cards with the site.</p> <p><strong>Where Available</strong>: USA.</p> <p><strong>Number of Merchants:</strong> More than 850, plus more than 8,000 restaurants.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately online. For security purposes, amounts of $1000 or greater must be accompanied by a notarized form which can be printed from their website.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.anrdoezrs.net/click-2822544-12085508-1437073828000?sid=epic_CB&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Everyday%20Spending%20-%20Learn%20More"><strong>Click here to start saving for college with Upromise!</strong></a></p> <h2>13. Panda Cash Back</h2> <p>This Better Business Bureau A+ rated cash back program is another one that allows people from dozens of countries to join and save money.<a href="http://www.pandacashback.com/?ref=4710"> Panda Cash Back</a> offers double cash back deals and local daily deals. Their cash out threshold is a tad on the high side, but your money is automatically sent 24 hours after it is requested. It has a $5 sign-up bonus.</p> <p><strong>Where Available:</strong> USA and more than 100 other countries.</p> <p><strong>Number of Merchants:</strong> More than 3000.</p> <p><strong>Cash-Out Threshold:</strong> $15, which once attained will be sent out automatically the next day.</p> <p><strong>Payment Methods:</strong> PayPal. Note that the first payment for U.S. and Canadian residents will be via check. Anyone residing outside of these two countries will be contacted by Panda Cash Back asking for information to verify identity.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus: </strong>$5.</p> <p><strong>Referral Program:</strong> 25% of each referral's rebate for life.</p> <p><strong><a href="http://www.pandacashback.com/?ref=4710">Sign up with Panda Cash Back and get $5!</a></strong></p> <h2>14. Hoopla Doopla</h2> <p>This cash back site with the funny sounding name (which apparently has the same name as a television show in Australia) has been in business since 2009. <a href="http://www.hoopladoopla.com/index.php?ref=3h4j2f43f7t322759">Hoopla Doopla</a> gives back more than half of the commission they receive to their members. In addition to cash back they offer exclusive coupons and daily deals, as well as fundraise for cancer research. Their low cash out threshold and competitive cash back rates makes it an attractive option to try.</p> <p><strong>Where Available:</strong> USA. Also, while the site says that anyone with internet access, an email address, and a PayPal account is eligible to join, the cash back retailers appear to be U.S.-centric.</p> <p><strong>Number of Merchants:</strong> More than 2000.</p> <p><strong>Cash-Out Threshold</strong>: $5 for PayPal or $10 for check, paid quarterly or rolled over until threshold is met.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.hoopladoopla.com/index.php?ref=3h4j2f43f7t322759"><strong>Click here to start saving with Hoopla Doopla!</strong></a></p> <h2>15. Mr. Rebates</h2> <p><a href="http://www.mrrebates.com?refid=913170">Mr. Rebates</a> is an established cash back site that has been in business for more than a dozen years. They offer cash back rates up to 30%, and deals such as free shipping. With a reasonable cash out threshold, a sign-up bonus that is available after your first purchase, the ability to request payment immediately, and an enticing referral program, it's worth an add to your list of sites to try.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 2000.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No app, but they have a mobile site.</p> <p><strong>Sign-up Bonus:</strong> $5 sign-up bonus available after your first purchase.</p> <p><strong>Referral Program:</strong> Members earn 20% of each referral's cash back for life.</p> <p><a href="http://www.mrrebates.com?refid=913170"><strong>Sign up for Mr. Rebates and get your $5 bonus!</strong></a></p> <h2>16. CashCrate</h2> <p><a href="http://www.cashcrate.com/1168012">CashCrate</a> launched in 2006 and has paid out close to four million dollars to its members who earn cash by completing offers (many free), taking surveys, completing CrowdFlower tasks, watching videos, and shopping through their cash back store. Their shopping (cash back) section is newish and small right now with only 62 stores like Walmart, Macy's, and Lowe's. However, their rebate rate is competitive with other cash back programs.</p> <p>One unique aspect of Cash Crate's earning program is that members can earn two ways. One section is devoted to earning cash, and the other to earning gift cards (think Starbucks, Amazon, Visa, and more). Just decide what you're interested in earning and complete the tasks in that section.</p> <p><strong>Where Available:</strong> All countries are eligible although the U.S. and other English speaking countries will have the greatest number of offers.</p> <p><strong>Number of Merchants:</strong> 62 and growing.</p> <p><strong>Cash-Out Threshold:</strong> $20 in the cash earning section, which is redeemable immediately. Gift cards can be redeemed immediately upon earning enough points in the prizes section of the site.</p> <p><strong>Payment Methods:</strong> Check. PayPal is an option once members have lifetime earnings of $500.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $1. In addition, members earn monthly bonuses for meeting an optional daily goal.</p> <p><a href="http://www.cashcrate.com/1168012"><strong>Sign up with CashCrate and start earning today!</strong></a></p> <h2>17. MainStreetShares</h2> <p>This cash back program offers an interesting proposition and incentive to join and use their site because members are shareholders. At<a href="http://mss.me/kabigcrumbs"> MainStreetShares</a> not only do members earn a percentage of the site's sales commission when making purchases from stores everyone knows and loves, they earn a portion of the advertising revenue as well in the form of shares called &quot;MsShares.&quot; From their site:</p> <p>&quot;&hellip;A large share of member shopping commissions is placed in a pool each month. We also add a share of other company revenue, such as advertising to this pool. At the end of the month, you are paid a percentage of the pool based on your percentage of total member spending for the month.&quot;</p> <p>Why do they do this? To attract users, of course. However, their larger goal is for someone to acquire the company, at which time members receive a portion of the sales price based on the number of MsShares they own. Until then, with competitive rates and a one dollar cash out threshold (though there is a 2% PayPal transaction fee), MainStreetShares is worth a look.</p> <p><strong>Where Available:</strong> USA, CAN, AUS, IRL, UK.</p> <p><strong>Number of Merchants:</strong> More than 1100.</p> <p><strong>Cash-Out Threshold:</strong> Paid monthly. Minimum $1 required.</p> <p><strong>Payment Methods:</strong> PayPal. There is a 2% processing fee up to one dollar charged. The fee is from PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> Members who earn MsShares &quot;will be entitled to a specially reserved additional 10% share of acquisition proceeds.&quot;</p> <p><a href="http://mss.me/kabigcrumbs"><strong>Click here to learn more about MainStreetShares!</strong></a></p> <h2>18. Cashback House</h2> <p><a href="http://www.cashbackhouse.com/">Cashback House</a> has a simple and straightforward looking site. It doesn't have the bells, whistles, and flash of many cash back sites, but it offers the basics like rebates for purchases, handpicked deals, and coupons. At $10.01 their cash back threshold isn't outrageously high and you can earn a little extra by sharing how much you've saved on Facebook.</p> <p><strong>Where Available:</strong> USA, CAN, UK.</p> <p><strong>Number of Merchants:</strong> More than 1000.</p> <p><strong>Cash-Out Threshold:</strong> $10.01 which is processed weekly once a request has been made.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No. However, if you share how much you have saved on Facebook you will earn a $1 credit.</p> <h2>19. ExtraBux</h2> <p>Similar to the other cash back sites,&nbsp;<a href="http://www.extrabux.com/">Extrabux</a> is one of several sites that is available to people worldwide. Offering cash back ranging from 1-30%, Extrabux also offers coupon codes, promo codes, and comparison shopping. They have an attractive sign-up bonus and reasonable cash out threshold.</p> <p><strong>Where Available:</strong> Everywhere. Extrabux states that people from any country can join and earn cash back. Checks will only be mailed to those with a U.S. mailing address. However, people living outside of the U.S. can receive their cash back via PayPal.</p> <p><strong>Number of Merchants:</strong> 2500.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes, specifically for Black Friday.</p> <p><strong>Sign-up Bonus:</strong> $8.</p> <h2>20. Giving Assistant</h2> <p><a href="https://givingassistant.org/">Giving Assistant</a> refers to itself as the &quot;double cash back&quot; site because it passes along 100% of the commission to its customers. That is, there is no splitting like with the other sites. What's unique about this site, however, is its focus on giving. For every purchase that qualifies for cash back, Giving Assistant donates a meal to a family in need. They have donated more than 40,000 meals so far.</p> <p>In addition, users can elect to donate part or all of their cash back savings to one or more of the thousands of charities available to choose from on their site. I did some rate comparisons and found that Giving Assistant did often offer significantly higher (up to double) cash back rates than other sites. Their rates matched the best of those at TopCashBack, a site outlined below which also passes along its full commission. Though there is no sign-up bonus or referral program, the high cash back rate and low cash out threshold make this program appealing.</p> <p><strong>Where Available:</strong> USA as well as other countries, although they are not specified.</p> <p><strong>Number of Merchants:</strong> More than 1,000.</p> <p><strong>Cash-Out Threshold:</strong> $1 if paid out to a debit card, or $10 if payment is made by check. Payments are sent out quarterly.</p> <p><strong>Payment Methods:</strong> U.S.- based Bank Visa/Mastercard Debit card or check</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <h2>21. Gyft</h2> <p><a href="https://www.gyft.com/">Gyft</a> is different from the other traditional cash back sites because their sole focus is selling gift cards. Most cash back sites do not allow, or strictly limit, the eligibility of cash rebates when purchasing gift cards or using them to pay for products. At Gyft, when you purchase gift cards, you earn points which can then be used for discounts on future gift card purchases.</p> <p>Better yet, for a limited time they'll give you a $5 gift card of your choice (in the form of a promotional code) to be used towards a gift card purchase of at least $15, on the spot just for signing up. In other words, you can get a $15 Amazon gift card (or Starbucks, Target, Walmart, Home Depot, whichever of the more than 200 you choose) for $10 just for trying them out. You can even store your gift card in your mobile wallet so you have it on the go and never forget it. Even if you never buy a gift card through them again, the immediate bonus is sweet. (Note that your free gift card bonus expires 24 hours after you sign up so use it right away.)</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Merchants:</strong> More 200.</p> <p><strong>Cash-Out Threshold:</strong> 100 points &mdash; to be used as a discount on future gift card purchases.</p> <p><strong>Payment Methods: </strong>You can pay for your gift cards with Google Pay, PayPal, Bitcoins, or credit/debit card.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus: </strong>$5 gift card of choice to be used on a gift card valued at $15 or more.</p> <h2>22. Paribus</h2> <p><a href="https://paribus.co/">Paribus</a> is a new endeavor unlike the other cash back sites listed here. It's a price adjustment cash back program, not a rebate program. Basically, they will search for a better price on any product that you have purchased online and get the difference back for you. Their business is hunting price reductions for you, filing a claim on your behalf and getting you a refund for the difference.</p> <p>Paribus works with stores like Target, Walmart, Amazon, Banana Republic, Macy's, Best Buy, and others that have price matching and adjustment policies. Currently only online purchases are eligible. How it works is that you sign up with the email address that you use for online shopping and they scan the receipts of your online purchases.</p> <p>The email scanning sounds creepy, right? They never have access to, or know your passwords.&nbsp;<a href="https://paribus.co/faq">Review their security measures</a> to learn exactly what they do. Is it worth it? To the extent that you may get money back for doing nothing, yeah. Is there a catch? Signing up is free, but when they get a refund for you they will take a 25% cut. Still, not a bad deal for something you may not have otherwise known about.</p> <p><strong>Where Available: </strong>USA.</p> <p><strong>Payment Methods</strong>: PayPal or Venmo.</p> <h2>23. Retail Cashback</h2> <p>Another newer program,&nbsp;<a href="http://retailcashback.com/">Retail Cashback</a> started in 2013. It offers the expected complement of cash back stores, coupons, and featured deals. When comparing the rates of six retailers available on their site with three competitor sites, I found Retail Cashback to generally have rates that were the same as or slightly lower than those competitors. They do not offer a sign-up bonus and their cash out threshold is on the high side, but you can request your money immediately when it's reached.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 4000.</p> <p><strong>Cash-Out Threshold:</strong> $20 which can be requested immediately. Cash outs allowed once every 30 days.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-Up Bonus:</strong> No. However, their site states that regular members will sometimes get &quot;additional bonuses.&quot;</p> <h2>24. Simply Best Coupons</h2> <p>The&nbsp;<a href="https://www.simplybestcoupons.com/">Simply Best Coupons</a> website feels almost soothing compared to some of the others with colorful carnival colors. It must be the mellow sky blue background making everything softer. They offer thousands of cashbook stores, grocery, and printable coupons, as well as a couple of unique payout methods, including Western Union. Their cash out threshold is on the high side but they have a decent sign up bonus.</p> <p><strong>Where Available:</strong> USA and internationally. They have cash back stores for USA, AUS, CAN, IND, IRL, NZ, POL, UK, and RUS. Anyone can join and earn cash back if retailers ship to their country.</p> <p><strong>Number of Merchants: </strong>1000s per their site.</p> <p><strong>Cash-Out Threshold:</strong> $20 for checks and Western Union. $15 for PayPal and Amazon gift certificates.</p> <p><strong>Payment Methods:</strong> Check, Western Union, PayPal, and Amazon gift card. When the cash out threshold is met by the 15th of the month, payment is sent at the end of the month.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $5 available after first purchase.</p> <h2>25. GiftHulk</h2> <p>Started in 2011,&nbsp;<a href="http://www.gifthulk.com/">GiftHulk</a> is six million members strong. In addition to the typical ways to earn (watching videos, completing surveys, searching the internet, etc.), GiftHulk has a cash back shopping section with about 140 well known stores. Their cash back rate is competitive, but be sure not to be fooled by their currency which they call &quot;Hulk Coins.&quot; On GiftHulk, 1000 Hulk Coins equals $1. So when you see GiftHulk offering 40 Hulk Coins per dollar in the cash back shopping section, the rate to compare is 4% (40/1000). GiftHulk has a low cash out threshold which makes it attractive.</p> <p><strong>Where Available:</strong> USA, CAN, UK, AUS, DEU, FR, NZL.</p> <p><strong>Number of Merchants:</strong> About 140.</p> <p><strong>Cash-Out Threshold:</strong> $5 for cash and many gift cards.</p> <p><strong>Payment Methods:</strong> PayPal or gift cards.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> Not as of this writing. However, members earn bonuses for meeting an optional daily goal.</p> <h2>26. InstaGC</h2> <p><a href="http://www.instagc.com/">InstaGC</a>, which stands for Instant Gift Cards, has been in business since 2011. This rewards program has some ardent fans so it might be worth checking out even if you use other sites for your cash back shopping. Their shopping section includes about 70 stores with rates that are competitive. Ways to earn include listening to music, taking surveys, CrowdFlower, and the other usual suspects. The site layout is a little bland, but it's functional, and most importantly, pays.</p> <p><strong>Where Available:</strong> USA, AUS, CAN, UK.</p> <p><strong>Number of Merchants:</strong> About 70.</p> <p><strong>Cash-Out Threshold:</strong> $5 for cash or as little as $1 for gift cards.</p> <p><strong>Payment Methods:</strong> Check which incurs a 25 cent fee, or direct deposit which incurs a 15 cent fee. You may also redeem for one of 260 gift cards which have no fee starting at $1.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> A lofty 10 cents.</p> <h2>27. Sunshine Rewards</h2> <p>As their site states, &quot;<a href="http://www.sunshinerewards.com/">Sunshine Rewards</a> is a loyalty program dedicated to paying you back for taking surveys, visiting websites, and shopping on the internet. Get coupons, promo codes, discounts, free shipping, and cash back shopping.&quot; Members get cash back and earnings in the form of credits, where one credit equals one dollar. Their cash back shopping rates are competitive, with some being higher or lower than other sites at different times. The cash out threshold is on the high side at $20, but if you participate in the reward activities regularly it should not take long to reach it.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants: </strong>Close to 1000.</p> <p><strong>Cash-Out Threshold:</strong> $20 and being a member for at least 45 days. Cash outs are limited to $500 a month.</p> <p><strong>Payment Methods:</strong> PayPal, Amazon gift certificate, or Disney gift card.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $2 sign up bonus.</p> <h2>Mobile Grocery Shopping Apps</h2> <p>What's better than using coupons for grocery shopping? Cash back mobile apps, that's what! Why? With these mobile apps, no coupons are needed, so there's no hunting or clipping. But, if you like coupons, you can combine them with cash back apps to increase your savings (and sometimes even get stuff for free). Plus, unlike traditional cash back programs, you can use gift cards to pay for items and still receive your rebate. Cool, huh?</p> <p>Here's how it works. Sign up online using a computer/tablet or going straight to the app. Download the app to your mobile device, review the cash rebates available, purchase the products you want, scan the product barcode, and/or upload the receipt to the site. Once your receipt is approved (typically within 24 to 48 hours), you get your rebate. Once you meet the cash out threshold, withdraw your money. That's it!</p> <p>Cool features include some apps offering cash back on products you rarely find coupons for like fresh fruit, veggies, bread, and dairy. And unlike traditional cash back sites there are no rates to compare. Best of all, because it's so little effort it's worth downloading all of them.</p> <h2>28. Shopmium</h2> <p><a href="http://www.shopmium.com/us/">Shopmium</a> has cool features like the ability to purchase items at any store that provides an itemized receipt, and immediate pay out, no matter the amount, after it's approved. It is very easy to join, requiring only an email address to get started. Members can choose to receive payment through PayPal or direct bank transfer. Even if you use it the app only occasionally, the fact that you can cash out immediately makes it worth using.</p> <p><strong>Where Available:</strong> USA, Canada.</p> <p><strong>Number of Products:</strong> About 15.</p> <p><strong>Cash-Out Threshold:</strong> No minimum. As soon as receipt is accepted you're paid.</p> <p><strong>Payment Methods:</strong> PayPal or bank transfer.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> 50 cents after completing welcome activity.</p> <h2>29. BerryCart</h2> <p><a href="http://www.berrycart.com/">BerryCart</a> is the mobile cash back site for people who like organic, gluten free, non-GMO, and natural foods. If you regularly eat organic, natural foods you will probably recognize many of the brands offering cash back. With the increasing popularity of eating whole foods, you won't be limited to just being able to find the products listed within BerryCart at expensive stores like Whole Foods. In fact, while their list of cash back items hover around 50, users can purchase the products at any store that carries them as long as the receipt is itemized and includes the price.</p> <p>BerryCart also offers subscription boxes where cash back rebates are available for every item in the box. Keep an eye for sales and coupons to combine with your BerryCart rebates to make pricey organic foods much more affordable.</p> <p><strong>Where Available:</strong> Site does not specify, though the stores are all U.S- based. However, some items can be purchased through Amazon, which is international.</p> <p><strong>Number of Products:</strong> About 50.</p> <p><strong>Cash-Out Threshold:</strong> $5.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not at this time.</p> <h2>30. Checkout 51</h2> <p><a href="https://www.checkout51.com/">Checkout51</a> offers a variety of grocery cash back rebates ranging from a &quot;pick your own&quot; offer for fruits and vegetables, to specific food and beverage brands. Some products are well known, others are up and coming. Some are organic and/or gluten free. Some offers may be redeemed multiple times. Checkout51 offers are available for a week, and then they expire and are replaced by new ones. Many times, however, you'll see popular products remain for a few weeks.</p> <p>One neat opportunity is the ability to join their &quot;brand program, &quot;which means you'll receive extra offers for products within a specific brand. To participate in their brand program, members simply select the &quot;join&quot; button that pops up on the product cash back list.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Products:</strong> About 25&ndash;30, some may be redeemed multiple times.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not currently, though users do earn something for completing their profile.</p> <h2>31. Receipt Hog</h2> <p><a href="http://receipthog.com/">Receipt Hog</a> is interesting because it's a cash back mobile app that pays you even though you don't have to redeem any rebates through them. At Receipt Hog, you earn points by uploading pictures of receipts from just about any retailer. When you upload receipts from grocery stores, club stores, health and beauty retailers, pet stores, convenience stores, dollar stores, and more, members receive points according to the amount spent (i.e. earn five points when the total is less than $10).</p> <p>When receipts are uploaded from retailers that don't sell grocery items (think Staples or Macy's), members earn chances to spin their virtual slot machine where winners receive bonus points or $100. Receipt Hog also offers monthly challenges, like uploading receipts every week of the month for extra points. It sounds silly but it does pay.</p> <p>Why would they pay you? They're a market research company that has discovered an innovative way to collect data about consumer spending for the brands and retailers that enlist their services. Those retailers pay Receipt Hog and Receipt Hog pays its members. How much? The more points you earn before cashing out, the greater the value. For instance, 1000 points will get you $5 in cash or an Amazon gift card, while 1800 points will get you $10 cash or a $10 Amazon gift card. Most people who use the system regularly can probably easily earn $25&ndash;$50 a year. Not a lot, but it's not bad given you're not buying anything extra. Think of it more as an entertainment app that pays you for your shopping receipts.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> Just about everything qualifies.</p> <p><strong>Cash-Out Threshold:</strong> $5 (or 1000 points).</p> <p><strong>Payment Methods:</strong> PayPal or Amazon gift card.</p> <p><strong>Sign-up Bonus:</strong> No, but you do receive points for completing your profile.</p> <h2>32. Shrink</h2> <p><a href="http://www.shrinktheapp.com/">Shrink</a> is similar to BerryCart in that they specialize in all natural, organic food. Like a few of the sites listed here they also offer small cash back amounts on fresh food, even fresh seafood! Their unique twist is helping brands create customer loyalty. They do this by offering cash back rebates to try new and up and coming products like snacks, beverages, and frozen foods. If you like the product, become a &quot;brand ambassador&quot; by unlocking additional coupons. Continue to buy the product and be rewarded with points that can be turned into cash. Products can be purchased at any store that provides itemized receipts. Shrink is the only mobile app included here where you're unable to join from a computer or tablet. You must download their app to join.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> About 60.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> PayPal.</p> <p><strong>Sign-up Bonus:</strong> No, but you do receive $1 for completing your profile.</p> <h2>33. Snap by Groupon</h2> <p>Who knew <a href="http://www.kqzyfj.com/click-2822544-10828386-1399573918000?sid=epic_CB">Groupon</a> had a cash back mobile app? This program is owned by Groupon, but is a separate entity. Even if you already use Groupon, you'll need to set up a separate account to use Snap.</p> <p><a href="https://snap.groupon.com/">Snap</a> has a bit of a twist as offers need to be &quot;snapped up&quot; before they are gone. You'll see warnings next to items when the number of rebates available for specific products is running low as well as a &quot;GONE&quot; sign when they are&hellip; well, gone. Snap offers an assortment of products from food and beverages, organic options, magazines, and personal care products. Many products can be redeemed more than once and can be purchased from any store that provides an itemized receipt. They also offer bonus activities, like three times the cash back when purchasing certain items, and they have a $100 giveaway for posting pictures of payment on their Facebook page.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Products:</strong> About 40, many can be redeemed multiple times.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not at this time.</p> <p><em>Whew! That's an extensive list with lots of saving and earning options. How many are you likely to try? Let me know in the comments. </em></p> <p><style type="text/css">[href^="https://www.share-online.biz/affiliate/"] {display:none !important;}</style></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kim-owens">Kim Owens</a> of <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</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/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</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/hungry-20-popular-online-grocers-to-satisfy-every-craving">Hungry? 20 Popular Online Grocers to Satisfy Every Craving</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-only-5-grocery-shopping-techniques-you-need">The Only 5 Grocery Shopping Techniques You Need</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-save-10-20-on-online-purchases-every-day">How to Save 10-20% on Online Purchases, Every Day</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Shopping apps cash back deals gift cards groceries online shopping rewards sites Mon, 24 Aug 2015 09:00:14 +0000 Kim Owens 1533240 at http://www.wisebread.com 6 Bad Habits That Are Ruining Your Career http://www.wisebread.com/6-bad-habits-that-are-ruining-your-career <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-bad-habits-that-are-ruining-your-career" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_offering_cigarettes_000053360546.jpg" alt="Man discovering bad life habits that impede him at work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all have our own list of little bad habits &mdash; some longer than others. Maybe you talk with your mouth full or cut people off when they're speaking. (I'm guilty of the latter myself.) But while these habits seem benign enough on the surface, they can sometimes interfere with your career and potentially affect your upward mobility &mdash; and subsequently, your finances.</p> <p>How can you identify which of your naughty little habits to consider correcting? Here's a look at six examples that can potentially impede your work and make it harder for you to get ahead.</p> <h2>1. Being a Negative Nancy &mdash; Or Ned</h2> <p>There's nothing more annoying than being around someone who complains and whines about everything. It doesn't matter if it's about family, work, or life, they always take a glass half-empty approach and find something wrong with everything.</p> <p>If this description fits you, you might argue that this is who you are or that you've always been this way. But what you may not realize is that being negative about life can impact how you feel about your work. (See also:&nbsp;<a href="http://www.wisebread.com/6-ways-to-banish-negative-thoughts?ref=seealso">6 Ways to Banish Negative Thoughts</a>)</p> <p>No matter where you work or what you do, nothing is ever going to go perfectly. Your employer will get on your nerves, some of your coworkers might be slackers, and you might not be completely satisfied with your job description or salary. It's okay to vent, but constantly complaining and whining about a situation and being negative isn't going to change anything. You're only going to make your life harder.</p> <p>Yes, there's a downside to every job, but rather than focus on what's wrong at work, focus on what's right. A positive mindset helps you stay motivated and increases productivity. You're not likely to give your employer 100% if you don't feel good about your job, and this lack of effort can affect whether you receive promotions and raises.</p> <h2>2. Always Running Late</h2> <p>Your friends and family might accept that you're always running 10 or 20 minutes behind schedule. Lord knows mine have. Your employer, however, may not be as understanding. If you never arrive to work on time and you're always late coming back from lunch, you'll have a hard time fitting all your work into a single day. And if your day gets off to a slow start, there's a chance that you'll miss deadlines and delay projects, which puts everyone behind schedule. If your boss realizes that you're the common denominator in project delays, this can affect your reputation and whether you move up in the company, and possibly put your job on the line.</p> <h2>3. Social Media Addiction</h2> <p>If you're glued to your phone or tablet 24/7 and you can't go longer than 10 minutes without checking your Instagram, Facebook, or Twitter, you'll have a difficult time trying to get through an eight-hour workday. Being able to keep up with your friends and family via social media helps you stay connected even when you're far away, for sure. But if your notifications are going off every five minutes and you're pausing work several times a day to respond to comments, like photos, or read the latest news on your newsfeed, you're not giving your work the attention it deserves. (See also: <a href="http://www.wisebread.com/5-ways-to-break-your-social-media-habit?ref=seealso">5 Ways to Break Your Social Media Habit</a>)</p> <p>Besides, your employer can very easily access your accounts and see what, when, and where you're updating. Push the limit and you may find yourself with a newfound freedom to engage your social media without that pesky job holding your back.</p> <h2>4. Skipping Meals</h2> <p>Whether you're trying to lose weight or you're the type of person who forgets to eat when your mind's occupied (like me!), skipping meals interferes with work performance more than you realize. You need as much physical and mental energy as possible to get through the day, especially if you have a demanding job. Skipping lunch can eventually affect how you feel about your job and result in feelings of sluggishness, irritability, and brain fog.</p> <p>&quot;When workers skip a lunch break on a regular basis, they often don't realize that fatigue and burnout are creeping up on them until they wake up one day and 'suddenly' feel less enthusiastic about their jobs or businesses,&quot; says Dr. Janet Scarborough Civitelli, a workplace psychologist at&nbsp;<a href="http://www.vocationvillage.com">VocationVillage.com</a>.</p> <h2>5. Procrastinating</h2> <p>Everyone procrastinates from time to time. If you're not excited about something, it's much easier to put it off until tomorrow or the next day. Procrastination can affect your health if you're the type of person who puts off checkups, and it can affect your personal finances if you wait until the last minute to pay bills and end up paying late. However, the effects of procrastination don't stop there, as it also affects your work and career.</p> <p>If you're a chronic procrastinator, you might put off important work assignments until the last minute, especially those that are challenging or boring. This can result in missing deadlines and targets, or rushing to complete an assignment at the last minute and making careless mistakes. Understand that procrastination at work doesn't only affect you &mdash; it affects the whole organization. It only takes one slacker to slow productivity to a crawl, and your job might be in jeopardy if your bad habits start affecting the company's bottom line.</p> <h2>6. Smoking</h2> <p>I don't need to explain how bad smoking is for your health, or how it increases the risk of cancer, heart disease, and stroke. You already know that. But you might not realize how smoking impedes your work.</p> <p>Every smoke break at work takes time away from your job duties. Sneaking away for a four or five-minute break every couple hours may not seem like a big deal, but these minutes add up over the course of a day, week, or year, which affects overall production. Smoking can also weaken your immune system, resulting in more sick days, and some of your coworkers might have to pick up the slack to accommodate for your absence. And if your boss restricts the number of smoke breaks employees can take, you might not get your nicotine fix when you need it. This can trigger irritability, nervousness, and affect the quality of your work. For those reasons &mdash; and a million more &mdash; do yourself a favor and kick the habit once and for all.</p> <p><em>Are there other bad life habits you've noticed that impede one's work? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-bad-habits-that-are-ruining-your-career">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-times-you-should-speak-up-at-work">10 Times You Should Speak Up at Work</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-tips-for-better-workplace-body-language">7 Tips for Better Workplace Body Language</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-youre-sabotaging-your-next-promotion">5 Ways You&#039;re Sabotaging Your Next Promotion</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-life-mistakes-you-need-to-stop-making-by-age-40">8 Life Mistakes You Need to Stop Making By Age 40</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Career Building bad habits negativity Office procrastination skipping meals smoking social media work Fri, 21 Aug 2015 09:00:38 +0000 Mikey Rox 1526961 at http://www.wisebread.com 5 Best Credit Cards for Back to School Shopping http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-credit-cards-for-back-to-school-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000045068704.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you have students entering elementary school or college, it&rsquo;s likely they have a long list of supplies and materials needed to start the school year out. According to the National Retail Federation, average families with a K-12 student, will spend approximately <a href="https://nrf.com/media/press-releases/after-splurging-2014-families-trim-back-school-spending-2015">$630 on back to school shopping</a>. If you have a college student, this number can be in the thousands.</p> <p>From colored pencils and protractors to electronics and clothing, if you use the right credit cards for your back to school shopping, you&rsquo;ll come out of it with extra money in your pockets. Here are the 5 best credit cards you should consider using to knock out your back to school shopping lists.</p> <h2>Chase Freedom&reg;</h2> <p><a title="Chase Freedom&reg;" alt="Chase Freedom&reg;" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3765832&amp;fot=1262&amp;foc=2&amp;foc2=599917" target="_blank"><img border="0" src="http://content.linkoffers.net/SharedImages/Products/166071/599917.png" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>The <a href="http://www.wisebread.com/chase-freedom-visa-review-200-cash-back-bonus?ref=internal">Chase Freedom&reg;</a> credit card is often rated among the best rewards cards available because of its quarterly rotating categories which award 5% cash back. The bonus categories for the July-September quarter are gasoline and Kohl&rsquo;s store purchases, which is not only going to allow you to earn 5% on your student&rsquo;s clothing, accessories, backpacks, and shoes, but if you have to drive around town searching for exactly three red folders with pockets, you will earn cash back on the gas.</p> <p>The Chase Freedom card is also a great card for back to school shopping because it currently offers a $100 bonus if you spend $500 with the card within the first three months of opening the account. Plus, you receive a 0% introductory APR for 15 months on purchases and balance transfers, giving you a year and a half to pay off all those school supplies before you are charged interest.</p> <p><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3765832&amp;fot=1262&amp;foc=1" target="_blank"><strong>Click here to learn more and apply for the Chase Freedom&reg; card today!</strong></a></p> <h2>Discover it&reg; - New! Double Cash Back your first year</h2> <p><a title="Discover it&reg; - New! Double Cash Back your first year" alt="Discover it&reg; - New! Double Cash Back your first year" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26153835&amp;fot=1262&amp;foc=2&amp;foc2=605217" target="_blank"><img border="0" class="img-exempt" style="float:right;margin:0 10px;" src="http://content.linkoffers.net/SharedImages/Products/220537/605217.png" alt="" /></a>The <a href="http://www.wisebread.com/the-discover-it-card-attractive-cash-back-awards-for-shoppers?ref=internal">Discover it&reg; card</a> includes rotating quarterly categories similar to the Chase Freedom, but its bonus categories for the July to September are home improvement stores, department stores, and purchases at Amazon.com. You&rsquo;ll likely make clothing and accessory purchases at department stores and you might need shelving and materials from home improvement stores. However, nearly everything else you need for back to school shopping is likely to be available at Amazon.com, and unlike the other purchases, don&rsquo;t require you to leave your home.</p> <p>Furthermore, although Discover cards do not usually offer particularly valuable sign-up bonuses, they are currently offering a promotion for new cardmembers that doubles all the cash back you earn at the end of your first year. If you spend $1,000 on the three bonus categories, you can earn $50 cash back, which at the end of the year, will become $100 and results in a nice discount on your back to school purchases.</p> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26153835&amp;fot=1262&amp;foc=1" rel="nofollow"><strong>Click here to learn more and apply for the Discover it&reg; card today!</strong></a></p> <h2>Amazon.com Rewards Visa</h2> <p>If you plan on shopping primarily with Amazon.com, you might want to consider the <a href="http://amzn.to/1JpTXOA">Amazon.com Rewards Visa</a> by Chase. Get 3% back for Amazon.com purchases, 2% on gas stations, restaurants, and drug stores, and 1% cash back on everything else.&nbsp;Amazon.com is known for providing huge sales and discounts for school supplies and other back to school necessities, and if you are a <a href="http://amzn.to/1gW7Ib3">Prime Member</a>, you have the advantage of free two day shipping right to your doorstep.</p> <h2>Citi&reg; Double Cash Card</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-12003694-1424960114000?sid=5x-back-to-school" target="_blank"><img width="154" border="0" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/CitiDoubleCash.jpg" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>There are a variety of things that you need to buy in college, and they won't necessarily fall under a spending category that offers bonus rewards. If you want more flexibility with your rewards, the <a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt-or-does-it?ref=internal">Citi&reg; Double Cash card</a> may be a good fit. This card allows you to earn 1% cash back twice: once when you make a purchase, and again when you pay for your purchase. That's cash back for <em>every</em> purchase, no matter the category, with no caps or restrictions. This means you'll get cash back for all your back-to-school shopping, and you'll continue to get cash back for all your during-school shopping as long as you use your Double Cash card.</p> <p><a href="http://www.anrdoezrs.net/click-2822544-12003694-1424960114000?sid=5x-back-to-school" target="_blank"><strong>Click here to learn more and apply for the Citi&reg; Double Cash card today!</strong></a></p> <h2>Target REDCard</h2> <p><a target="_blank" href="http://goto.target.com/c/27771/173676/2092"><img width="154" border="0" src="http://adn.impactradius.com/display-ad/2092-173676" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>As one of the most popular shopping destinations for school supplies, The Target Credit Card or REDcard is among the best credit cards for back to school shopping. There is a Target Credit Card and a Target Debit Card, both offering a 5% discount at the checkout on your purchases. This type of rewards program can come in handy because you realize your discount immediately and aren&rsquo;t required to redeem any points later on. Plus, if you select the debit card, there are no credit checks required and you aren&rsquo;t incurring any debt because the purchases are deducted from your bank account.</p> <p>As an additional bonus to both REDcards, Target donates 1% of your purchases to whichever elementary school, neighborhood middle school, or other eligible K-12 school that you select. In addition to its various sales and discounts, Target provides free shipping and other opportunities, such as the extra 5% discount on your purchases if you sign up for Pharmacy Rewards.</p> <p><a target="_blank" href="http://goto.target.com/c/27771/173676/2092"><strong>Click here to learn more and apply for the Target REDCard today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-hundreds-on-back-to-school-shopping-with-these-credit-card-tricks">Save Hundreds on Back to School Shopping with These Credit Card Tricks</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-time-management-skills-that-will-help-your-kid-win-at-school">10 Time-Management Skills That Will Help Your Kid Win at School</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-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</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/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</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/5-places-to-get-cheaper-diapers">5 Places to Get Cheaper Diapers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Education & Training Family Shopping back to school shopping Wed, 19 Aug 2015 22:32:29 +0000 Christina Majaski 1530206 at http://www.wisebread.com The 3 Best Jobs for Expats and Travelers http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-3-best-jobs-for-expats-and-travelers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_computer_000053499636.jpg" alt="Woman looking for job as an expat and traveler" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;The world is a book, and those who don't travel read only a page,&quot; said Saint Augustine.</p> <p>Americans take this advice to heart. They love to travel so much that they clock in more than <a href="http://travel.state.gov/content/dam/travel/CA%20by%20the%20Numbers-%20May%202015.pdf">80 million trips abroad</a> every year, and an estimated 8.7 million of Americans live overseas.</p> <p>But if you're worried you can't indulge your travel bug and still make bank, consider these three best jobs for <a href="http://www.wisebread.com/5-amazing-cheap-places-to-live-as-an-expat">expats and travelers</a>.</p> <h2>1. Teacher</h2> <p>Back in 2002, I had just completed my bachelor's degree at the University of Alberta (go Bears!) in Canada, and, like many of my fellow graduates, I was hunting for a job. You'd be surprised at the very high demand for graduates from Canadian and American colleges to teach abroad. If your dream is to live in a country for at least a year, then becoming a teacher at a foreign high school, English-language center, or university is a great way to make that dream a reality.</p> <p>Here are three programs to consider.</p> <h3>JET Program</h3> <p>U.S. citizens with at least a bachelor's degree from an accredited university before July 1st of the departure year can apply to become an <a href="http://www.us.emb-japan.go.jp/JET/positions.html#ALT">Assistant Language Teacher</a> teaching English at various grade levels throughout Japan.</p> <h3>Prepa Tec</h3> <p>One of the largest education systems in Mexico is the <a href="http://www.itesm.mx">Tecnologico de Monterrey</a>. Their high school system (better known as Prepa Tec) recruits recent graduates from universities from several countries to teach a wide variety of courses, including English, Mathematics, Science, and Political Science.</p> <h3>Kaplan</h3> <p>The test prep company Kaplan has several partnerships and often needs educators of all levels who are interested in <a href="http://careers.kaplaninternational.com">teaching abroad</a>.</p> <p>One important point to remember is to know who is responsible for applying and keeping your work visa (if required), because that's a process that can sometimes be expensive and time-consuming. Ideally, you want your employer to be the one handling all that paperwork.</p> <h2>2. Online Tutor</h2> <p>If a nine to five schedule or salary in local currency doesn't sound appealing to you, then take advantage of the internet and tutor students back in the U.S. using tools such as Skype, Adobe Connect, or FaceTime (and get paid in U.S. dollars). Additionally, depending on the length of your stay in various countries, tutoring lets you skip the entire work visa process.</p> <p>There are several sites that allow you to find students interested in online tutoring.</p> <h3>WyzAnt</h3> <p>Expert tutors can connect with students across the U.S. to schedule online lessons. From GMAT prep to Algebra to French, your subject of choice is available at <a href="http://www.wyzant.com">WyzAnt</a>.</p> <h3>Tutor.com</h3> <p>Unlike other online tutoring sites, <a href="http://www.tutor.com/apply">Tutor.com</a> is looking for applicants that can tutor at least five hours per week. That's great news for those seeking a steady source of income. Tutor.com has a very specific <a href="http://www.tutor.com/cmspublicfiles/WWW/concept-list.pdf">list of subjects</a> that they hire for.</p> <h3>SkillShare</h3> <p>Some instructors have been so successful tutoring on Skillshare that they've been able to <a href="http://www.huffingtonpost.com/2012/08/24/avil-flombaum-skillshare_n_1817784.html">quit their day jobs</a>. Even some well-known individuals, such as <a href="https://www.skillshare.com/classes/writing/Introduction-to-Screenwriting-for-Short-Films/637339250">James Franco</a>, tutored at one time using Skillshare.</p> <p>Of course, you don't need to limit yourself to just one online tutoring site. By signing up for a couple of them, you can increase your chances of keeping a consistent number of students.</p> <p>Another best practice is to build your own site to showcase your teaching portfolio and provide student testimonials. It's harder to find students this way, but cutting out the middleman allows you to pocket more per tutoring hour.</p> <h2>3. Freelance Writer</h2> <p>You, too can &quot;pull a Hemingway&quot; and sip wine while working on your next set of articles for an online publication. Depending on your subject expertise and writing ability, you can write for online magazines or blogs.</p> <p>There are several great blogs out there looking for quality writers. One great starting point to find writing assignments is the <a href="http://jobs.problogger.net">ProBlogger job board</a>.</p> <p>Don't think that the online medium is less demanding than more &quot;traditional&quot; ones. Before submitting your application to any blogging job, make sure to read the job posting thoroughly and understand what is required to apply. Sending an unrequested 31-page college thesis, misspelling the blog's name, or writing an unprofessional email will kill your application.</p> <p>A word of advice is that you may find that most blogs pay once a month. To avoid a potential cash crunch, you should write for a couple blogs and not just one.</p> <p><em>What are other great jobs for expats and travelers?</em></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/the-3-best-jobs-for-expats-and-travelers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/could-online-teaching-be-for-you">Could Online Teaching Be 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/doctor-blogger">Doctor Blogger</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-you-must-do-before-you-quit-your-job">5 Things You Must Do Before You Quit Your Job</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/retail-job-lessons-learning">Seven Lessons Learned from Working Retail</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/laid-off-make-sure-you-get-your-unemployment">Laid Off? You May Have to Fight for Unemployment Benefits</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income blogging expats teaching traveling Tutoring working abroad Wed, 19 Aug 2015 17:00:17 +0000 Damian Davila 1524641 at http://www.wisebread.com Save Hundreds on Back to School Shopping with These Credit Card Tricks http://www.wisebread.com/save-hundreds-on-back-to-school-shopping-with-these-credit-card-tricks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/save-hundreds-on-back-to-school-shopping-with-these-credit-card-tricks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000044681472.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Preparing for the return to school, whether it&rsquo;s the first year for your preschooler or Freshman year at college, can be overwhelming and expensive. With back to school shopping predicted to be approximately $630 per year per student, many shoppers are more than happy to take every discount and savings on school supplies they can find. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping?ref=seealso">Best Credit Cards for Back to School Shopping</a>)</p> <p>We don&rsquo;t often associate credit cards with saving money but, it is possible if used appropriately, for credit cards to become a helpful tool in cutting costs. Here are a few ways to use credit cards to save money on your back to school shopping this year.</p> <h2>Rewards Programs</h2> <p>Rewards programs often award cash back, miles, or points for purchases. Whether you redeem them for straight cash or discounts on other purchases (for example, <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal">travel rewards</a>), it allows you to save. Look for cards that offer bonus rewards for school supply purchases, such as the <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=16530367&amp;fot=1261&amp;foc=1" rel="nofollow">Ink Cash&reg; Business Card</a> that offers 5% cash back for office supply purchases, or the <a href="http://amzn.to/1NrPAT2">Amazon.com Rewards Visa</a>, which offers 3 points for Amazon purchases.</p> <p>The <a href="http://goto.target.com/c/27771/99528/2092">Target REDcard</a>, for example, gives you an automatic 5% discount, which can help save quite a bit on your school supplies. Plus, the Target REDcard donates 1% of your purchase amount to the school of your choice, which when combined, is a total discount and savings higher than the amount you&rsquo;ll find anywhere else.</p> <h2>Sign Up Bonuses</h2> <p>One of the biggest ways to save on back to school shopping is through sign-up bonuses. If you are planning on applying for a <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal">cash back credit card</a> anyway, you may as well choose one that is going to reward you for your purchases or help decrease some of your expenses. To give you an idea, the <a href="http://www.wisebread.com/chase-freedom-visa-review-200-cash-back-bonus?ref=internal">Chase Freedom card</a> currently offers a $100 cash back bonus if you spend $500 with your card within the first three months of opening the account. It is quite likely your back to school shopping can be as much or more than $500, and this sign-up bonus allows you to save a $100 just for using your credit card.</p> <p>Some of the biggest sign-up bonuses are worth hundreds of dollars, so before you start shopping for school supplies, make sure you check to see which of the credit cards you are considering is offering the most valuable sign up bonus. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=seealso">Credit Cards with the Best Cash Back Sign Up Bonuses</a>)</p> <h2>Price Matching</h2> <p>There is nothing worse than making a purchase, school supplies or not, and then finding the exact same product available for cheaper a couple weeks later. Although many retailers allow you to bring in your receipt for a refund of the difference, it can be incredibly time consuming to watch and hunt down price drops on each of your purchases. Fortunately, some credit cards offer price matching services so you don&rsquo;t have to monitor and chase down each product on your own. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso">Awesome Credit Card Benefits You Didn't Know About</a>)</p> <p>For example, Citi Price Rewind allows you to register your purchases and then searches online with hundreds of merchants for 60 days. If your product is found for a cheaper price, you can request a refund, up to a total $300 per purchase and $1,200 per year. Citi Price Rewind is one of Citi Card&rsquo;s benefits that can save you quite a bit of time and money. <a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt?ref=internal">Citi&rsquo;s Double Cash card</a> includes this neat service and gives you 1% back on your purchases plus 1% back when you make a payment.</p> <h2>Online Shopping Portals</h2> <p>Many credit cards, such as Discover it, Chase Freedom, and Upromise, use shopping portals which provide opportunities to not only save money with certain retailers, but increase earnings and rewards when you use your credit card for purchasing. This is an extremely effective cost-savings method especially if you plan on shopping online anyway. It is important to check the retailers that are part of the shopping portal before you shop to decrease the chances of missing out on a great discount and rewards bonus.</p> <p>One back to school shopping portal you might want to check out is with Barclaycard&rsquo;s Upromise MasterCard, a card with a rewards program specifically designed for college students and prospective students. Retailers under the <a href="http://www.jdoqocy.com/click-2822544-12309751-1439560968000?cm_mmc=CJ-_-2276508-_-2822544-_-Upromise%20Shopping%20Deals">Upromise Back to School shopping link</a> offer as much as 8% cash back on school shopping and a wide variety of sales and discounts. There are also a number of discounts and bonus cash back opportunities in its Daily Doubles.</p> <h2>Balance Transfer</h2> <p>If you're carrying a balance on your credit card, adding more purchases can mean spending quite a bit more on your school supplies than you intended. You can save money on those purchases by transferring your balance to a card with a lower APR or one with a 0% promotional offer.</p> <p>There are currently a number of cards <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal">offering 0% APRs on balance transfers</a>, most notably the <a href="http://www.wisebread.com/chase-slate-visa-review?ref=internal">Chase Slate card</a> which offers 0% on both purchases and balance transfers for 15 months. The Slate card also waives the balance transfer fee, normally 3%, for the first 60 days, which means you can save money on a balance transfer fee as well. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=seealso">Credit Cards with No Balance Transfer Fees</a>)</p> <h2>0% APR</h2> <p>If you&rsquo;re currently low on funds but can&rsquo;t wait to purchase supplies (because school is starting soon!), credit cards that offer 0% APR on purchases for a limited time can provide you much needed time to pay off your purchases without incurring interest. The key here is to avoid interest charges, which means you <em>must pay off your balance before the promotional period ends!</em> The <a href="http://www.wisebread.com/the-discover-it-card-attractive-cash-back-awards-for-shoppers?ref=internal">Discover it card</a> and <a href="http://www.wisebread.com/discover-it-miles-simple-and-flexible-travel-rewards?ref=internal">Discover it Miles</a>&nbsp;both offer 0% APR on purchases for 12 months.&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/save-hundreds-on-back-to-school-shopping-with-these-credit-card-tricks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping">5 Best Credit Cards for Back to School Shopping</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-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</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/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</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-use-up-remaining-balances-on-prepaid-gift-cards">How to Use Up Remaining Balances on Prepaid Gift Cards</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/top-seven-reasons-why-i-use-my-credit-card-for-everything">Top Seven Reasons Why I Use My Credit Card for Everything</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Education & Training Shopping back to school shopping Tue, 18 Aug 2015 21:24:08 +0000 Christina Majaski 1530073 at http://www.wisebread.com Best Money Tips: Weird Ways to Make Money http://www.wisebread.com/best-money-tips-weird-ways-to-make-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-weird-ways-to-make-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_selfie_000052681486.jpg" alt="Girl taking selfie and learning other weird ways to make money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on weird ways to make money, networking tips for introverts, and cools soups to try this summer.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.dailyworth.com/posts/3751-7-weird-ways-to-make-money">7 Weird Ways to Make Money</a> &mdash; Upload your selfies to Stylinity and tag your clothes. When people buy the clothes you tag, you get points that can be redeemed for cash and products.&nbsp;[Daily Worth]</p> <p><a href="http://www.moneyunder30.com/networking-for-introverts">Networking For Introverts: How To Use Your Introvert Strengths To Make New Connections</a> &mdash; You don't need to force yourself to do all the talking. Instead, come prepared with questions that you would genuinely like to ask other people. [Money Under 30]</p> <p><a href="http://parentingsquad.com/4-cool-soups-for-hot-summer-days">4 Cool Soups for Hot Summer Days</a> &mdash; Cool off with one of these delicious and healthy soups! They're easy to make, too. [Parenting Squad]</p> <p><a href="http://www.popsugar.com/smart-living/Moving-Hacks-Make-Packing-Easy-35362851">24 Ingenious Moving Hacks That Make Packing Painless</a> &mdash; Organize your cords and wires by stuffing them inside empty toilet paper rolls. [PopSugar Smart Living]</p> <p><a href="http://moneysmartlife.com/check-engine-light/">Don&rsquo;t Panic When Your Check Engine Light Comes On</a> &mdash; If the check engine light comes on, and it's a constant yellow light, you can generally get a free computer diagnostic done at an auto parts store like AutoZone. [Money Smart Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savingadvice.com/articles/2015/07/30/1036117_types-of-insurance.html">10 Types of Insurance You Either Need or Should Strongly Consider</a> &mdash; Definitely consider renter's insurance if you rent a home or apartment. It'll cover the cost of your belongings if theft or other unexpected things happen. [Saving Advice]</p> <p><a href="http://www.remodelingthislife.com/2015/07/31/how-to-learn-a-language-effectively">How to Learn a Language Effectively</a> &mdash; Focus on pronunciation early on so you have a better grasp of how the new words are supposed to sound. [Remodeling This Life]</p> <p><a href="http://phroogal.com/blog/save-on-remodeling-costs/">6 Ways You Can Save On Remodeling Costs</a> &mdash; Get a free plan at a home improvement store like Lowe's or Home Depot. You don't need to shop there for your project, but the plan will give a good estimate of the remodeling costs.&nbsp;[Phroogal Blog]</p> <p><a href="http://www.currentoncurrency.com/dont-make-these-dumb-shopping-mistakes/">Don&rsquo;t Make These Dumb Shopping Mistakes</a> &mdash; Know when it's OK to buy the cheapest item and when you should go with a pricier &mdash; but better-quality &mdash; option. [Current on Currency]</p> <p><a href="http://bargainbriana.com/10-back-to-school-supplies-you-dont-need">10 Back to School Supplies You Don&rsquo;t Need</a> &mdash; Avoid novelty erasers &mdash; you know, the ones in funky shapes and colors. They just don't work as well as the standard pink erasers! [Bargain Briana]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-weird-ways-to-make-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-making-activities-you-can-do-today">5 Money Making Activities You Can Do Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-hobby-pay-its-way">Make Your Hobby Pay Its Way</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/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</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/9-ways-to-earn-extra-cash-when-money-is-tight">9 Ways to Earn Extra Cash When Money Is Tight</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/5-best-cash-back-credit-cards">5 Best Cash Back Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income best money tips make money Thu, 06 Aug 2015 19:00:13 +0000 Amy Lu 1516411 at http://www.wisebread.com 6 Ways Having a Family Boosts Your Career http://www.wisebread.com/6-ways-having-a-family-boosts-your-career <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-having-a-family-boosts-your-career" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000028249970.jpg" alt="Man learning how having a family boosts his career" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working full-time while <a href="http://www.wisebread.com/5-important-questions-to-ask-before-adding-to-your-family">raising a family</a> can be taxing. According to Families and Work Institute's National Study of the Changing Workforce, 67% of employed parents say they <a href="http://familiesandwork.org/downloads/ContextMattersInsightsAboutOlderWorkers.pdf">don't have enough time</a> with their kids and 63% of married workers say they don't have enough time with their spouse.</p> <p>But don't go choosing between career and family just yet. The data suggests you really can have it all. And, in fact, one can very well complement the other.</p> <h2>1. Family Boosts Productivity</h2> <p>Women with more children are more productive at work. Chalk it up to all that supermom multitasking, such as firing off emails while breastfeeding and baking a casserole for lunch. At any rate, mothers with at least two kids are <a href="https://research.stlouisfed.org/wp/2014/2014-001.pdf">most productive of all</a>, according to a study by the Federal Reserve Bank of St. Louis, which found that over the course of a 30-year career, mothers outperform women without children. The correlation between number of children and on-the-job productivity is true for men, too. But it's even more pronounced in women. Sarah Palin, a mother of five who was the ninth governor of Alaska until she became and the Republican Party nominee for Vice President in the 2008 Presidential election, is a great example.</p> <p>Author Anne-Marie Slaughter puts it this way: &quot;Believe it or not, we will actually be better and happier workers if we are allowed to be better parents.&quot;</p> <h2>2. You'll Be Happier and Healthier</h2> <p>Mothers with jobs tend to be <a href="http://www.apa.org/news/press/releases/2011/12/working-moms.aspx">happier and healthier</a> than moms who stay at home during their children's infancy and preschool years, according to a new study by the American Psychological Association. This conclusion is based on interviews with 1,364 mothers shortly after their child's birth and subsequent interviews and observations spanning more than 10 years.</p> <h2>3. Parents Make Better Managers</h2> <p>Parents tend to perform better in the workplace, especially in managerial roles, because they know how to multitask, cope with stress, and negotiate, according to research from Clark University and the Center for Creative Leadership in Greensboro, N.C. That's because <a href="http://www.forbes.com/2007/02/27/parents-bosses-managers-leadership-careers_cx_hc_0227parents.html">parenting skills and management skills</a> overlap.</p> <p>&quot;Having kids forces you to learn how to make compromises, and to listen, and to try and support them to be better,&quot; says Steve Tirado, chief executive of semiconductor firm Silicon Image, who has four daughters between the ages of 19 and 24. Of course, just having kids won't make you a better manager, the study found. But being actively involved in raising them will.</p> <h2>4. Your Kids Will Be More Successful</h2> <p>A Harvard study found that daughters of working mothers <a href="http://www.hbs.edu/faculty/Pages/item.aspx?num=49311">have better careers</a>, higher pay, and more equal relationships. &quot;These findings suggest that in addition to transmitting gender attitudes across generations, mothers' employment teaches daughters a set of skills that enable greater participation in the workforce and in leadership positions,&quot; the study states.</p> <h2>5. Family Increases Your Chances for Tenure &mdash; For Men, Anyway</h2> <p>For men in academia, having children is a <a href="http://www.nytimes.com/roomfordebate/2013/07/08/should-women-delay-motherhood/what-you-need-to-know-if-youre-an-academic-and-want-to-be-a-mom">career advantage</a>, according to Mary Ann Mason, who studies the intersection between work and family. Among male tenured faculty, 70% are married with kids, a sign that fathers are far more successful in their careers than men without youngsters of their own. Unfortunately, this optimistic sign of parenting's positive effect on career doesn't ring true for women, according to Mason's data.</p> <h2>6. Egalitarian Parenting Pays Off</h2> <p>Today's mothers are securing high-paying jobs <em>and</em> having families. And it's all made possible by this secret formula: Mothers of today are insisting that their husbands do at least half the housework. Perhaps it's not such a novel idea, but historically this hasn't been the case. Caring for your children all day is draining work, but when the work is split 50-50 it becomes a lot more manageable, allowing both husband and wife to find success in endeavors outside the home. Seven of the 18 women who are Fortune 500 CEOs have at some point had a <a href="http://www.bloomberg.com/bw/magazine/behind-every-great-woman-01042012.html">stay-at-home husband</a> to focus on child-rearing while she chases her career goals.</p> <p><em>How has being a good parent helped you professionally?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-ways-having-a-family-boosts-your-career">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-terrible-things-science-says-you-do-to-your-kids">6 Terrible Things Science Says You Do to Your Kids</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-basic-manners-you-must-teach-your-kids">10 Basic Manners You Must Teach Your Kids</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school">10 Time-Management Skills That Will Help Your Kid Win at School</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-life-skills-for-working-moms">10 Life Skills for Working Moms</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-investing-lessons-you-must-teach-your-kids">10 Investing Lessons You Must Teach Your Kids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Family children parenting raising kids working parents Mon, 03 Aug 2015 09:00:14 +0000 Brittany Lyte 1507539 at http://www.wisebread.com 10 Things You Should Always Buy and Sell on eBay http://www.wisebread.com/10-things-you-should-always-buy-and-sell-on-ebay <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-things-you-should-always-buy-and-sell-on-ebay" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shoe_collection_000039290234.jpg" alt="Woman discovering what should buy and sell on eBay" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's no doubt that eBay has become a go-to place for anyone looking for a deal. But whether using traditional auctions, or the more popular Buy It Now option, what should you be going to eBay for first? And, what should you be <a href="http://www.wisebread.com/6-weird-things-to-sell-on-ebay-for-extra-cash">selling on eBay</a> to ensure you get the most money for your items?</p> <h2>What to Buy on eBay</h2> <p>For all this stuff, eBay is the place to shop.</p> <h3>1. Personalized Items</h3> <p>Back in the day, a personalized item (whether for yourself, or as a gift for a friend or loved one) was something that cost quite a bit of money. Nowadays, thanks to eBay and international sellers, you can get some truly awesome items for a fraction of what you would expect. I recently used eBay to find a Ghostbusters nametag for my Halloween outfit this year, finding someone willing to custom embroider my last name, in the exact font and colors used in the movie, for $10 including shipping. I was astonished &mdash; it was great quality, too. I've ordered nameplates, shirts, hats, monogrammed pens, and so many other items for almost the same cost as it would be without the personalization.</p> <h3>2. Anything Vintage, Rare, or Hard to Find</h3> <p>If you can think of it, you'll probably find it on eBay. If you're into Star Trek comics from the '80s, or souvenirs from Alcatraz, there will be someone out there on eBay selling it &mdash; it's why I always go to eBay first when I'm looking for something nostalgic. I've found old TV shows that regular stores won't carry, original Xbox games, action figures from my childhood, and crazy shirts and suits from the 1960s. The best thing about eBay is that you can shop for all of these items in one place, add them to your cart, and do one checkout. Your payment will be sent to the multiple sellers separately.</p> <h3>3. Used and Refurbished Tools</h3> <p>Great tools can be very expensive. Of course, cheap tools may save you money in the short term, but they will break, or worse, cause an injury. But, you don't have to go to the hardware stores and pay top dollar for top tools. The selection you'll find on eBay will stagger you, and will always come in cheaper than those you'll find in stores near you. From power drills and sanders, to wrenches and garden tools, eBay has everything you want &mdash; most of the time with free shipping. Just don't wait until the last minute to order something.</p> <h3>4. Jewelry</h3> <p>Provided you know your size (and many places online will let you <a href="http://images.zales.com/images/popups/zales_ringsizer.pdf">download a sizing chart</a> for free anyway), you can get some insane deals on all kinds of jewelry, from high-end valuables, to $10 rings and necklaces. The selection available on eBay will dwarf anything at a brick-and-mortar jeweler, and you can benefit from eBay's buyer guarantees. I have a bunch of very large, intricate skull rings that I found on eBay for between $10 and $20 apiece. They all came with free shipping, and are made of surgical steel. Would I have liked silver? Maybe, but they look exactly the same and cost 10 times less. I get comments on them all the time, and when people ask which store I got them from, I always say eBay. Most people seem surprised.</p> <h3>5. Automotive Parts</h3> <p>Make no mistake, if you are looking for parts to replace the broken ones in your car or truck, the last place you want to get them is the dealership or specialist supply store. In every case (unless someone would like to prove otherwise), you are going to be paying significant markups, as these places have to support a large staff, building costs, and all the other overhead. When you shop on eBay, you have access to hundreds and thousands of parts from both licensed sellers, hobbyists, and people who find parts at wrecking yards. As always, you'll be protected by a guarantee from eBay, so if the part is not exactly as described, you can get your money back. Just remember, if it's a used part, you want to inspect it very carefully before having it installed.</p> <h2>What to Sell on eBay</h2> <p>For the most part, if you want to be rid of it, someone else wants to buy it.</p> <h3>6. Your Good Quality Shoes and Clothing</h3> <p>When the time comes to clear out the closet in spring or fall, most of us take those clothes and shoes to the local thrift stores. Not so fast. Take a look through your pile and see what you have.</p> <p>Any high-end name brand clothing and footwear in good condition can earn you a significant amount of money on eBay. An old track jacket that you don't like, or have outgrown, can earn almost all of its money back. Sometimes, you can make more than you paid for it, if the item was a limited edition, or was worn by someone famous in a show or movie. A case in point&hellip;the Black Sabbath T-shirt that Tony Stark wore in <a href="http://www.amazon.com/Marvels-Avengers-Two-Disc-Blu-ray-Packaging/dp/B0083SBJXS">The Avengers</a>. Before the movie came out, it was a $5 tee. After, people were paying big money for it, until the stores caught on and issued a reprint. So, next time you clean out the closet, make two piles &mdash; one for thrift, the other for eBay.</p> <h3>7. Fabrics, Curtains, and Sheets</h3> <p>Mark this one down as another category that most of us think is worthless. Or, at least not worth the hassle of selling. Actually, you'd be surprised. In particular, old curtains that may not suit your current décor could be highly prized by someone theming out their apartment or office, particularly if they have a very distinctive or &quot;dated&quot; pattern. What is out of style to some is very chic to others.</p> <p>The same goes for sheets, duvet covers, pillowcases, and all those fabric remnants that you have left over from craft projects. You can even sell fabric and upholstery scraps, and I mean the smallest off-cuts. Right now, a pound of leather scraps can sell for $20 including shipping; that's $20 you were about to throw in the trash.</p> <h3>8. Legos</h3> <p>It doesn't matter if you have a complete set, a set missing a few pieces, or a random bucket of assorted Lego bricks &mdash; they will all sell quickly on eBay. And, you may be surprised at how much money you can get. I recently found a Lego Star Wars Imperial Destroyer at my local thrift store for $10. It was still in the box, but was clearly not all there. After doing a count, over 30 pieces were missing. I figured I'd throw it on eBay to see what happened, and it sold for over $100. Some of the figures from these sets can sell for $5&ndash;$10 each!</p> <p>What you have to remember with Lego is that the pieces you have may complete sets other people desperately want to build, and they will pay for it. Lego is also expensive to buy new, and that will never change. So, grab your Lego pieces and bag them up. You can sell them by the pound.</p> <h3>9. Anything Collectible</h3> <p>Whether it's rare baseball cards, signed hockey jerseys, vintage vinyl, or a prototype of an Apple computer from Steve Wozniak's garage, these items will fare way better from the auction-style listings on eBay than a fixed priced listing on Craigslist, or even a garage sale. You also have the chance to reach a worldwide audience, which makes the bidding war international. Something you may have gotten $50&ndash;$100 for may get you ten times that amount on eBay, if you find the right buyer at the right time.</p> <p>A prime example of this is the vintage Denver Nuggets jersey I recently sold on eBay. I was planning to list it for $25 on Craigslist, but instead I started it at $15 on eBay. It was a risk, since I could have gotten $10 less than I wanted. In the end, I got $162 for that jersey. Even after eBay takes their percentage, it's still a much better deal.</p> <h3>10. Cell Phones, Tablets, and Other Tech</h3> <p>When you replace your cell phone, you may be tempted to do a trade-in deal. Don't do it. You will get a rock bottom price for it from the store, because they plan to sell it for a profit. Instead, gather all of the accessories, the charger, and hopefully the original box, and sell it on eBay. The thing that attracts people to used smartphones is that they are not tied to a contract. With a little digging, you may also be able to unlock your phone first, making it suitable for any carrier. A phone you may have gotten $50 for from a store could sell for over $200 on eBay, and it's as simple as taking a few photos and creating a listing.</p> <p>The same thing applies to tablets, smart watches, laptops, and other technology. Even old, broken, and irreparable technology will sell, as it can be dismantled for parts. Do not simply throw these things out until you have first searched eBay for current prices.</p> <p><em>What items have you bought or sold on eBay?</em></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/10-things-you-should-always-buy-and-sell-on-ebay">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-weird-things-to-sell-on-ebay-for-extra-cash">6 Weird Things to Sell on eBay for Extra Cash</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/clear-out-that-clutter-15-places-to-sell-your-stuff">Clear Out That Clutter: 15 Places to Sell Your Stuff</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/craigslist-vs-ebay-where-to-sell-10-common-items">Craigslist vs. eBay: Where to Sell 10 Common Items</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-making-activities-you-can-do-today">5 Money Making Activities You Can Do Today</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/effective-ebay-listing-0">Effective eBay Listing</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Shopping buying eBay online auctions selling Wed, 29 Jul 2015 11:00:20 +0000 Paul Michael 1500624 at http://www.wisebread.com 5 College Degrees With the Highest ROI http://www.wisebread.com/5-college-degrees-with-the-highest-roi <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-college-degrees-with-the-highest-roi" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smart_kid_000012050388.jpg" alt="Kid learning the college degrees with the highest ROI" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The first two things people usually want to know when you tell them you're making preparations for college are your intended school and major. Sure, they're curious to learn more about what you're interested in studying. But it's also because these are two of the main factors in determining your earning potential beyond college.</p> <p>Most of us sacrifice years of our time and make a significant financial investment in order to obtain an <a href="http://www.wisebread.com/5-college-degrees-not-worth-the-money">undergraduate degree</a>. If you want your future earnings to reflect these commitments, focus on high-earning majors, such as these.</p> <h2>1. Science</h2> <p>There are several high-paying careers within the three major areas of science &mdash; biology and life sciences, physical sciences, and social sciences. According to U.S. Bureau of Labor Statistics, chemistry, biology, geology, climatology, and hydrology majors, to name a few, are in high demand and graduates in these fields earn upwards of $100,000 at mid-career level. In particular, says Salary.com, biology majors from public colleges can see an <a href="http://www.salary.com/8-college-degrees-that-will-earn-your-money-back/slide/7/">ROI of over 100%</a> on their degrees.</p> <h2>2. Technology</h2> <p>Many of our recent advances in society are due to technology majors &mdash; making them highly sought after and crucial to employers. According to Salary.com, BI specialists and IT managers can expect mid-career earnings in excess of $100,000 and a <a href="http://www.salary.com/8-college-degrees-that-will-earn-your-money-back/slide/4/">degree ROI of approximately 170%</a>. Some in-demand technology fields include computer information systems, computer science, management information systems, developers, and network security.</p> <h2>3. Engineering</h2> <p>Engineering graduates are also among top paid new hires. For 2015, undergraduates earning their degree in engineering can expect to earn an entry level salary of between $55,000&ndash;$57,000 per year. Competitive industrial engineering majors include, mechanical engineering, electrical engineering, and civil engineering. Biomedical, software, environmental, and petroleum engineers are also among the highly paid fields.</p> <h2>4. Math</h2> <p>Whether you enjoy math or not, you might want to consider a degree in a math-related field because math majors remain at the cornerstone of being some of the most lucrative careers. A math major can expect mid-career earnings of over $70,000 in roles such as an actuary, or over $140,000 as an operations research analysis manager, according to Salary.com. That's an ROI of over 200% on public college degrees, in some cases.</p> <h2>5. Business</h2> <p>Business majors account for 26% of graduates. For those looking for a bit more flexibility in their careers, business might be just the right fit. For instance, you can specialize in business management, global business, or market research. An entry level salary for business majors is upwards of $50,000 per year and varies by geographic locale.</p> <p><em>What did you major in?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/5-college-degrees-with-the-highest-roi">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/stay-in-school-until-the-job-market-improves">Stay in School until the Job Market Improves?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts">8 Ways College Students Can Save Money Before Class Starts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school">10 Time-Management Skills That Will Help Your Kid Win at School</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</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/3-private-lenders-that-can-really-save-you-money-on-your-student-loans">3 Private Lenders That Can Really Save You Money on Your Student Loans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training career degrees majors return on investment school Tue, 28 Jul 2015 09:00:15 +0000 Qiana Chavaia 1505776 at http://www.wisebread.com