Life Hacks http://www.wisebread.com/taxonomy/term/5/all en-US 8 Alternative Ways to Cook Outside http://www.wisebread.com/8-alternative-ways-to-cook-outside <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-alternative-ways-to-cook-outside" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_bbq_000022968709.jpg" alt="Family finding alternative ways to cook outside" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Here in Los Angeles, I have not stopped sweating in 250 days. My house lacks air conditioning, and every day spent in Los Angeles heat feels one step closer to the apocalypse. Unfortunately, I am a semi-professional cook, who makes a semi-living slaving over a fully hot stove&hellip; a hot stove that turns my already sauna-like home into a science experiment.</p> <p>Well, you know what they say: If you can't take the heat, stay out of the kitchen. So as a personal experiment, I have been road-testing alternative cooking methods all summer. Here are my eight favorite hacks for cooking hot food without heating up the house.</p> <h2>1. Grill Baby, Grill</h2> <p>Great news for the Patio Daddy-o in your life: the easiest way to keep the house cool in the heat is to cook outdoors. Although I live in a climate where Christmas backyard BBQs are common, I personally think that storing and maintaining a grill is kind of a pain in the butt. I don't have the space or the energy. Which is why I sold our very nice gas grill to my neighbor Patria. Not shockingly, I enjoy our former grill way more often, now that it's in Patria's backyard rather than my own. Since she cooks outside every other day, she has no problem lending me her already hot coals on weekends, as long as I bring snacks to share.</p> <p>Are you that vegetarian who loves the camaraderie of a backyard BBQ but doesn't want to share the same grill with carnivores? Whip out your purse-sized <a href="https://www.youtube.com/watch?v=R66umlzucUQ">drink can BBQ</a> and start grilling that veggie dog! The meat eaters will be so impressed by your ingenuity they might forget to make the required, &quot;Meat is murder &mdash; yummy, yummy murder,&quot; joke that stopped being funny the first 437 times you heard it.</p> <h2>2. Slow-Cooking</h2> <p>Although most people associate slow cookers with <a href="http://www.wisebread.com/25-great-cheap-and-easy-crock-pot-recipes">winter comfort food</a>, my Crock-Pot is a summertime kitchen workhorse. In the past two weeks I have made over 300 jars of jam and pickles in preparation for my local elementary school fundraiser. This has involved standing over a pot of boiling water for 40 hours. This has made me slightly crazy. Luckily, I have my Crock-Pot to save my sanity. <a href="http://www.allfreeslowcookerrecipes.com/Other-Slow-Cooker-Recipes/Slow-Cooker-Jams-Recipes-for-Slow-Cooker-Jam-Making">Slow cooker jam recipes</a> make preserving my summer harvest much less sweaty, especially since I moved my Crock-Pot outside to the patio.</p> <h2>3. Veranda Toaster Oven</h2> <p>My mother, who comes from a large family of trailer park denizens, avoids heating up the house in the summertime by cooking breakfast, lunch, and dinner in a toaster oven conveniently located on the veranda. Yeah. I know. Openly cooking on a dedicated porch appliance is <em>ratchet</em>, and signals to your neighbors at RV Village that the gas company has cut you off. However, it's also a genius kitchen hack. Why heat up the house if you don't have to?</p> <h2>4. Super Dog/Cat Stove</h2> <p>My husband is gleeful that he just saved $40 on a store bought camp stove by making his own ultra lightweight, alcohol cooker, using just a small metal can and a hole punch. My husband, an unapologetic cat gentleman, insists on referring to his homemade camp stove as <a href="http://jwbasecamp.com/Articles/SuperCat/">The Super Cat</a>, even though he used a dog food can&hellip; something I think is totally bogus. He argues that he can still call it The Super Cat since our cats helped him make the stove by eating the dog food that would have otherwise gone to waste. Whatever.</p> <p>Regardless of what kind of food tin you use for this project (and who eats the food), homemade alcohol stoves are a speedy and cheap way to heat water outside. For backpackers, they provide an extremely efficient and light-weight stove option, as the can weighs under a quarter of an ounce, and requires only two tablespoons of alcohol for fuel. Here's a <a href="https://www.youtube.com/watch?v=pajkt594Ruw&amp;feature=youtu.be">how-to video</a> of the standard Super Cat.</p> <p>After testing out his Super DOG Stove in Yosemite, my husband has decided to upgrade to the <a href="https://www.youtube.com/watch?v=6XQVKLlLQjw">Super Duper Dog Stove</a> &mdash; which can be used in sub-zero weather &mdash; made out of a pet food can, a tomato paste can, and some carbon felt.</p> <h2>5. Car-B-Que</h2> <p>One of the main reasons why I resist selling my 1991 Volvo 240 is that it cooks like a champ. I have logged over 350,000 miles and countless meals on its engine. Cooking on your car's engine can be as easy as cramming a can of chili next to your turbo chargers (use a church key to create steam vents before cooking) or lashing a foil wrapped Langer's pastrami sandwich to the exhaust manifold with a coat hanger for a hot midnight snack&hellip; or you can be me and work up an elaborate lobster dinner from scratch. When it comes to car cooking, the world is your oyster, and you can <a href="https://books.google.com/books?id=HegCAAAAMBAJ&amp;pg=PA22&amp;lpg=PA22&amp;dq=cooking+oysters+on+car+engine&amp;source=bl&amp;ots=IRcWsvz0mV&amp;sig=HVdssM6n2Ol4RpZyvWGvk_0Jw9U&amp;hl=en&amp;sa=X&amp;ved=0CEoQ6AEwBmoVChMIzrTc38LHxwIV2CmICh0V7AwM#v=onepage&amp;q=cooking%20oysters%20on%20car%20engine&amp;f=false">cook that oyster</a> right on your engine too. It's heartening to know that I am not the only Wise Bread writer who subscribes to this delicious, alternative version of <a href="http://www.wisebread.com/cooking-great-meals-with-your-car-engine-the-heat-is-on">road food</a>.</p> <p>Speaking of car cooking, the hot car interior works brilliantly as a solar powered food dehydrator.</p> <h2>6. Solar Oven</h2> <p>Solar cooking is increasingly popular in the developing world as is allows people to safely cook food and pasteurize water with sunlight instead of more expensive fuels. Although it's still somewhat of a novelty in the United States, solar cooking is a great way to cut utility costs and reduce pollution.</p> <p>The great thing about solar cookers is that they can be made from materials already found in most people's homes (or that can be salvaged for next to nothing). In addition to being cheap to use and cheap to make, they are also relatively safe for use by children, which is why the <a href="http://www.scientificamerican.com/article/sunny-science-build-a-pizza-box-solar-oven/">pizza box cookie oven</a> is a classic Girl Scout contraption.</p> <p>The three most common types of solar cookers are <a href="http://www.ethicurean.com/2007/08/14/solar-oven-1/">box cookers</a>, <a href="http://www.instructables.com/id/Parabolic-solar-oven/">parabolic cookers</a>, or combination or <a href="http://sunnycooker.webs.com/sunnycookerplan.htm">panel cookers</a>. There are literally hundreds of free designs for solar ovens available on the Internet, so do a little research to find the best model for your home. Note that the most expensive part in many DIY solar ovens is not actually the oven, but the covered pan, so keep your eyes peeled for inexpensive black casserole pans at the thrift store.</p> <h2>7. Wood Fired Cob Oven</h2> <p>Here is Los Angeles, owning a backyard pizza oven is a culinary status symbol. Luckily, you don't need Jamie Oliver's budget to own a wood fired oven. A traditional <a href="http://thecobovenproject.blogspot.com/">cob oven</a> can be built for less than $200. In addition to pizza, a cob oven is great for cooking anything you'd put in your regular electric or gas oven. Since wood fired stoves can reach temperatures of 800 degrees, food does cook much faster.</p> <p>The leading expert on building backyard cob ovens is <a href="https://www.youtube.com/watch?v=7qiZgmh0BTU">Kiko Denzer</a>, who has written an entire book on the subject (<a href="http://www.amazon.com/gp/product/096798467X/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=096798467X&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=DMUBANU2VFURJZLJ">Build Your Own Earth Oven</a>). It's a comprehensive overview of cob oven construction. I recommend checking this book out from your library before literally digging into this project.</p> <p>Trash picked pallets are a great source of free wood fuel. However, be aware that scrap lumber can contain poisons such as arsenic. Pallets in the United States are marked with <a href="http://www.instructables.com/id/How-to-determine-if-a-wood-pallet-is-safe-for-use/">IPPC stamps</a>, so it's easy to see which pallets are heat treated (and are safe to burn), and which pallets contain methyl bromide, a broad spectrum pesticide. Check before you burn.</p> <h2>8. Microwave</h2> <p>Full disclosure: I don't own a microwave. But for the 90% of Americans who own a microwave, summer is the time to defrost and eat everything that's been hiding in the back of your freezer.</p> <p><em>Do you cook in hot weather? What's your favorite way to avoid kitchen heat?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/8-alternative-ways-to-cook-outside">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-best-pieces-of-homemaking-advice-from-martha-stewart">The 7 Best Pieces of Homemaking Advice From Martha Stewart</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/13-delicious-early-summer-recipes-to-try-on-your-grill">13 Delicious Early Summer Recipes to Try on Your Grill</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-tips-for-camping-cooking">10 Tips for Camping Cooking</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-spectacular-uses-for-that-lone-can-of-fruit">8 Spectacular Uses for that Lone Can of Fruit</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-food-strainer-my-new-old-fashioned-gadget">The Food Strainer: My New, Old-Fashioned Gadget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Food and Drink alternative cooking barbecue camp stoves Cooking Grilling heat ovens solar Wed, 02 Sep 2015 17:00:23 +0000 Max Wong 1542053 at http://www.wisebread.com 8 Times You Should Demand a Discount http://www.wisebread.com/8-times-you-should-demand-a-discount <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-times-you-should-demand-a-discount" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_eating_salad_000051647464.jpg" alt="Woman learning when to demand a discount" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Growing up, I often remember seeing my parents noticeably upset with the service they received, or the products they had bought. After one particularly poor experience at a restaurant they said, &quot;We just won't eat here again.&quot; But when asked, &quot;How was the meal?&quot; they both smiled and said &quot;Fine, thanks.&quot;</p> <p>Now, maybe this is the classic reserve of the English, or maybe they're too polite for their own good, but that was not the correct way to go about it.</p> <p>When you have a poor experience with anything, you need to speak up, and also ask for compensation of some kind. It's the natural way to keep these places in check, so that bad service or poor quality products are not constantly being presented to the public. Always be polite and treat the people you're dealing with respectfully, but if any of the following eight instances occur... ask for a discount.</p> <h2>1. When You Get Poor Service at a Restaurant</h2> <p>Let's just clarify that the service should be uncharacteristically poor. If you wait a long time to get seated on a Friday evening, or your server is so busy he or she forgets to bring the extra fries you ordered, give the place &mdash; and your server &mdash; a break. This is more about poor service that could easily be avoided.</p> <p>If the food arrives cold, the fish is raw, the meat is very overcooked, or the server is just plain rude, you definitely have a reason to talk to the manager. Explain what has happened, how it impacted your dining experience, and ask for a discount. In most cases, you will get at least a few of the items removed from your bill. In extreme cases, when everything went wrong, you may very well be told not to pay anything. However, if the server was great in spite of all the problems, don't forget to leave him or her a tip.</p> <h2>2. When Your Event Seats Aren't Good</h2> <p>Unless you are warned specifically before you buy them (some will say things like &quot;obscured view&quot; or &quot;partial view of stage&quot; and should already be discounted), there is no reason to pay the same price as other people if your seats are terrible. This happened to me when I went to see Cirque du Soleil. There was no warning that the seats I bought were right behind one of the poles holding up the big top. My wife and I were leaning left and right through the entire performance. After, I spoke to the staff and received a discount, and a free CD of the music from that evening. If you have poor seats, ask to speak to the event manager. Demand a discount, if you can handle the poor seating, or ask to be moved if it is possible.</p> <h2>3. When Anything Is Not Quite as Described</h2> <p>From the food or service, to the product attributes, if you were sold something based on information that was slightly incorrect, you should demand a discount. If the tool set indicates &quot;25 great tools for around the home&quot; and there are actually only 23 inside, that's misleading. This can sometimes happen when manufacturers change the product, but not the packaging. In any case where you have been a little misled, intentionally or not, you are entitled to a discount. You'll get it, too.</p> <h2>4. When the Product Is a Floor Model</h2> <p>Do not let the store clerk fool you with a bunch of tricky talk about this item not being able to be discounted any further. The floor models are used. They may not have been used in someone's home, but they're used nonetheless. In some cases, for much longer than if it was in a home; especially those TVs and computers that are on the shop floor day in, day out.</p> <p>So, find a manager and ask for the price to be reduced beyond what is shown on the sticker. They want to get rid of these items. They'd obviously prefer to sell it to someone who will pay sticker, but they will go lower. And as the item is used, and most likely blemished, you should demand a discount. I do this every time, and it has worked every time.</p> <h2>5. When You Pay Cash</h2> <p>Cash is king. That's as true today as it was fifty years ago, and if you are lucky enough to have the money on hand to pay in cash, be it something small or a new home, you should definitely take advantage of it. &quot;How much of a reduction can I get if I pay cash for this house, right now?&quot; This is something buyers are not expecting, and it is incredibly tempting. Cash is a sure thing. Financing can fall through, interest rates fluctuate, but cash is cash. In stores, merchants pay fees for <a href="http://www.wisebread.com/6-times-to-use-credit-cards-instead-of-cash">credit card transactions</a>, so you could easily get a cash discount.</p> <p>However, don't expect this discount when buying a car. Dealerships get big incentives for financing offers, and you take that away from them if you offer to pay cash. In fact, you may pay more if you pay cash, so don't do that. You can always pay off the loan a week or two later.</p> <h2>6. When the Item is Broken, Scratched, or Dented</h2> <p>Why would you pay for a broken item at all? Well, it all depends what you want to use it for. If it's a superficial break, say on the case of the product, but the product itself works just fine, ask for a discount. The store is more than happy to oblige. If you notice a huge dent on the fridge that was just delivered, but the dent won't be seen or you just don't care, ask for a discount. If the item is scratched or damaged but it doesn't impair the function, and you are okay with it, ask for your discount. And if the item is completely broken, but you want to repair it yourself, or need it for parts, ask for a big discount.</p> <p>In all cases, you are doing the store a favor, and they will be happy to negotiate a deal. This even goes for sellers on Craigslist or eBay. If the item is not as pristine as described, but you're happy to take it, ask for the discount.</p> <h2>7. When the Seller Is in a Hurry</h2> <p>If you ever encounter a &quot;motivated seller&quot; you know you're about to get a discount. Motivated sellers are those who need to sell, and sell fast, usually because they're about to leave the state. Sometimes, they need money quickly, for reasons you probably don't want to ask about. Whatever the reason, you should take advantage of this. Flea market sellers will offer discounts as they are packing up for the day, and so will people operating garage sales. Smile, ask for a discount, and you'll usually get it.</p> <h2>8. When the Store Is Closing or Going Out of Business</h2> <p>Blockbuster. Circuit City. Sharper Image. They all bit the dust and they all had &quot;closing down&quot; sales. When this happens, start haggling. A store that is going out of business presents problems for buyers, especially when it comes to buying things that may have warranty issues. For this reason, you should demand a discount. When one store is closing, perhaps because a particular location is not performing as well as it should, you don't have as much leverage. But you can still ask for a discount, because they are &quot;motivated&quot; to sell, and that, as just discussed, gives you bargaining power.</p> <p><em>When have you asked for a discount?</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/8-times-you-should-demand-a-discount">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/5-times-coupons-trick-you-into-spending-more-money">5 Times Coupons Trick You Into Spending More Money</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/40-restaurants-that-offer-senior-discounts">40 Restaurants That Offer Senior Discounts</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/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily">Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily</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/what-to-buy-and-avoid-buying-in-march">What to Buy (and Avoid Buying) in March</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-pay-more-guide-to-price-matching-and-cheat-sheet">Don&#039;t Pay More! Guide to Price Matching and Cheat Sheet</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping discounts faulty paying cash poor service restaurants scratch and dent Wed, 02 Sep 2015 11:00:22 +0000 Paul Michael 1540895 at http://www.wisebread.com 6 Ways to Ease Your Parents Into Assisted Living http://www.wisebread.com/6-ways-to-ease-your-parents-into-assisted-living <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-ease-your-parents-into-assisted-living" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/elderly_parents_000018870545.jpg" alt="Woman moving parent into assisted living facility" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's tough to watch your mother or father age. And when you need to sign your parents up for an assisted-living facility? That's never an easy job.</p> <p>Getting the paperwork ready is enough of a chore. But the most difficult task might be keeping yourself sane as you go through the difficult process of convincing your aging parents that living in an assisted-living facility is the right choice.</p> <p>This will never be an easy process. But here are six tips for making the transition as easy as possible for all involved.</p> <h2>1. Give Yourself Plenty of Time</h2> <p>Don't expect to check your parents into an assisted-living facility in one week. It takes a long time to gather the paperwork and schedule the medical evaluations that most facilities require.</p> <p>But even if the process didn't take as long, you should still give yourself and your parents plenty of time to prepare for a move to an assisted-living facility. Let your parents mull over the thought for several weeks before you begin moving them into their new home. They'll need time to accept that this move is the best one for them. If you rush the process? Your parents will be more likely to resent the decision; they'll feel that they are being forced to make this move.</p> <p>The best time to start talking with your parents about an assisted-living facility is as soon as you start seeing the signs that they need help with everyday tasks.</p> <h2>2. Let Your Parents Remain Decision-Makers</h2> <p>It's tempting to try to handle all tasks involved in getting your parents into an assisted-living facility. Resist. Not only will taking on all this work by yourself result in <a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress">loads of stress</a>, it will also alienate your parents. Remember, your parents are the ones who will be living in the assisted-living facility, not you. You need to give them plenty of input.</p> <p>Ask for your parents' advice on everything from what they're looking for in a facility, in what part of town they'd like to live, and on what date they'd like to move. The more you involve your parents in the process &mdash; to the extent that this is feasible &mdash; the smoother the transition to assisted living will go.</p> <h2>3. Work Closely With the Staff</h2> <p>The professionals working at assisted-living facilities have helped countless people like you and your parents. So take advantage of this expertise. Any time you have a question, even if you think it's a small one, call up the facility. You aren't bothering anyone. Remember, you or your parents are paying for the assisted-living facility. Like any customer, you have the right to ask for help or for answers.</p> <p>It's easy to become overwhelmed. The quickest way to relief is to rely on the guidance of the medical and administrative staff at the facility you and your parents have chosen.</p> <h2>4. Expect Short Tempers</h2> <p>Don't be surprised if your parents lash out at you during the transition. And don't take it personally. When you help your parents move into an assisted-living facility, you are reversing the roles you and your mom and dad have long held. Basically, you are becoming the caretaker that your parents once were for you. This is not an easy transition for anyone, and your parents wouldn't be human if it didn't frighten or annoy them.</p> <h2>5. It's Time to Downsize</h2> <p>One of the bigger challenges might be convincing your parents to get rid of a large amount of their personal items. The space they are moving into will undoubtedly be smaller than where they are living today. You can make move-in day less stressful by helping your parents downsize their possessions before they're ready to move.</p> <p>Expect some resistance here, too. Even if your parents understand that their new home doesn't offer nearly as much space, they might still resist parting with their possessions. You might make it easier for them by helping them donate these items to Goodwill or the Salvation Army. This way, your parents will know that their furniture and mementos will be going to people who really need them.</p> <h2>6. Show Them You Haven't Forgotten Them</h2> <p>Once your parents have moved into their new home, make sure they know you're not forgetting about them. It's easy to feel ignored when you're adjusting to a whole new life filled with people you don't know. Ease the transition by visiting your parents often, bringing them back to your home for regular dinners and taking them out to the movies or shopping.</p> <p>The more you make them feel connected to your family through regular visits and phone calls, the easier it will be for your parents to accept and welcome their new living arrangement.</p> <p><em>Have you had to move your folks into an assisted living facility? How'd it go?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/6-ways-to-ease-your-parents-into-assisted-living">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/6-apps-every-dad-needs">6 Apps Every Dad Needs</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/re-nesting-tips-for-moving-back-in-with-your-parents">Re-Nesting: Tips for Moving Back in With Your Parents</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</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-ways-to-protect-your-business-during-a-divorce">5 Ways to Protect Your Business During a Divorce</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-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> </ul> </div> </div> </div> </div><br/></br> Family assisted living caretakers elderly nursing homes parents Tue, 01 Sep 2015 17:00:18 +0000 Dan Rafter 1538222 at http://www.wisebread.com 5 Ways to Protect Your Business During a Divorce http://www.wisebread.com/5-ways-to-protect-your-business-during-a-divorce <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-protect-your-business-during-a-divorce" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/divorced_couple_000027585457.jpg" alt="Business owners trying to protect themselves through divorce" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting a divorce can be one of the most emotionally devastating times in your life. Combine this with running your own business and next thing you know, your life has become extremely stressful. I know, because I've been there.</p> <p>If you're <a href="http://www.wisebread.com/small-business/can-a-failed-marriage-lead-to-business-failure">going through the a divorce</a>, here are some important financial steps to take to protect yourself and your business.</p> <h2>1. Get Organized</h2> <p>The first step when dealing with a divorce as a business owner is to get organized and find a lawyer who can help you take the right steps.</p> <p>Gather all your financial documents, business and bank statements, agreements, and other information that pertains to your business and marriage. Any debts and assets you and the business owns will have to be calculated and divided up. Examine all the bank accounts and documents, as you don't want to be out of the loop in a situation like this.</p> <p>Depending on the state you live in, and whether or not you signed a prenup, you and your spouse could be forced to split the business profits &mdash; and everything else &mdash; 50/50. If you and your spouse work in the business together, the operating agreements should outline directions for each spouse to protect themselves during a divorce or other separation.</p> <h2>2. Fill In the Details</h2> <p>What assets or savings did you bring into the relationship? How much do you have personally invested into the business? What are the balances of your personal, joint, and business accounts, investments, credit cards, and loans?</p> <p>Work with your spouse (or a lawyer if you need help mediating) to fill in all these details. Put the information on paper, or in a spreadsheet, so you're both on the same page. Ask your accountant for all the financial reports, profit and loss statements, and balance sheets for the business, too. Everything needs to be accounted for.</p> <h2>3. Protect Yourself</h2> <p>The next step involves dividing up the assets and agreeing on whether to sell the business, dissolve it, or keep it up and running. If you jointly own a home, the mortgage will have to be refinanced into your or your spouse's name, unless you both agree to sell it.</p> <p>By the end of the divorce process you want all of your assets divided fairly. Leaving joint accounts after a divorce can lead to credit reporting inaccuracies and even fraud.</p> <p>Take steps to protect yourself and your business during this process by separating all joint accounts, assets, and debts. Until a property is sold or refinanced into your name, you're still liable for the entire mortgage or rental payment &mdash; whether or not your spouse helps split the bill.</p> <h2>4. Keep a Paper Trail</h2> <p>Any conversations you have with your spouse need to be in writing. Save all your emails, notes, and text messages. This is especially important when it comes to figuring out the important details of how you'll handle the business together.</p> <p>In the event that you and your ex can't discuss things in a calm fashion, you'll need written proof of what each other has agreed upon so you can move forward with the divorce. Keep a paper trail of all the bank accounts you've dissolved, assets you sell, debt settlements, loan refinances, and any other financial paperwork. You may need written proof of these transactions in the future.</p> <h2>5. Start Fresh</h2> <p>Continue protecting yourself as you move forward and rebuild your life. This means opening up new bank accounts in your name only, for both personal and business, and making a plan to get back on track.</p> <p>Check your credit report using a secure site like <a href="https://www.annualcreditreport.com/">annualcreditreport.com</a>, to make sure everything is accurate. If you see any incorrect accounts, numbers, or names, reach out to the top three credit bureaus and get it corrected.</p> <p>When my divorce was finalized I was left with over $14,000 of consumer debt that we accumulated during our marriage. I had to find a new job and start making a plan to pay it down. Our credit was also conjoined since we had shared accounts, and these took some time to separate. It was rough to say the least.</p> <p>You don't have to lose your business just because you and your ex aren't on speaking terms. Work with a legal representative you trust and make sure everything's in writing.</p> <p><em>Have you ever gone through a divorce as a business owner? What was your experience?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-smith">Carrie Smith</a> of <a href="http://www.wisebread.com/5-ways-to-protect-your-business-during-a-divorce">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/250-tips-for-small-business-owners">250+ Tips for Small Business Owners</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-love-not-money-sort-of">Make Love, Not Money (Sort Of)</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-smart-ways-to-get-a-small-business-loan">10+ Smart Ways to Get a Small Business 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/12-money-saving-tricks-to-know-before-buying-an-engagement-ring">12 Money-Saving Tricks to Know Before Buying an Engagement Ring</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/six-tips-to-good-business-management">Six Tips to Good Business Management</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship Family business owners dividing assets divorce marriage pre-nup small business Tue, 01 Sep 2015 09:02:44 +0000 Carrie Smith 1538268 at http://www.wisebread.com The 11 Best Parking Apps for Your City http://www.wisebread.com/the-11-best-parking-apps-for-your-city <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-11-best-parking-apps-for-your-city" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_texting_000038591624.jpg" alt="Woman using apps to find affordable parking" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Finding affordable parking can be a challenge, especially when you live in a heavily populated area. In fact, IBM found that 30% of a city's traffic is attributed to drivers looking for parking. Fortunately, there are a number of apps available to help you find and compare spots, save money every time you park, and even reserve a parking space right from your phone. This will help you get out of traffic and into a safe spot in a fraction of the time and effort.</p> <h2>1. BestParking</h2> <p><a href="http://www.bestparking.com/">BestParking</a> is a top parking app, and has been featured in The New York Times, Wall Street Journal, New York Magazine, Forbes, ABC, FOX, CBS, and NBC. It locates all the available parking spots in your area so you can quickly compare and save. Available in 105 cities and 115 airports throughout North America, it will find you the best spot, no matter where you are. It even sorts spots by price, so you can instantly visualize where the most affordable (and most expensive) spots are. The app has 850,000 monthly users and is backed by outstanding reviews from people who have <a href="http://www.wisebread.com/4-ways-outsourcing-chores-can-save-you-time-and-money">saved time and money</a>.</p> <h2>2. Parker</h2> <p><a href="http://www.streetline.com/find-parking/parker-mobile/">Parker</a> can help you find available parking spots, prices, and hours for 24,000 garages and lots. You can also filter parking spots by space, payment type, and more. Built-in GPS navigation can even guide you to the nearest open spot, so you will never have to drive around confused in a new city again. It can help you find a spot in a parking lot or garage, or it can help you navigate local street parking. It will also run a timer, so you don't have to worry about parking tickets. Parker has outstanding online reviews and was voted one of the most highly recommended apps by Forbes and Mashable.</p> <h2>3. SpotHero</h2> <p><a href="https://spothero.com/">SpotHero</a> is an app recommended by Forbes because it can help you find and compare parking and reserve a spot for up to 50% off the drive-up rate. The app has its own dedicated unsold spots from parking facilities in the area. You can quickly reserve one of those spots from your phone and enjoy a discounted rate in the process. Not only will you save money, but you also won't need to worry about losing your prized spot to another driver. It is available in most large cities and is introducing new locations everyday.</p> <h2>4. ParkMe</h2> <p><a href="https://www.parkme.com/">ParkMe</a> offers the largest and most accurate parking database in the world. With over 84,000 locations in over 64 countries, it can compare the most available spots and save every time you park. You can also reserve a spot in advance with your credit card so you never have to worry about losing your spot again. The app can even tell you where to find parking up to two weeks into the future.</p> <h2>5. Parking Mate</h2> <p><a href="https://www.cars.com/articles/2012/10/trying-to-find-a-parking-spot-can-be-a-hassle-when-the-meter-runs-out-or-when-you-cant-find-your-car-among-the-maze/">Parking Mate</a> shows you where the closest and safest places are to park. It also keeps a log of where you've parked and how much time you have left in your spot, notifying you when you are getting close to expiration. You can even add parking rules to the app to inform others of neighborhood parking regulations. The app is also highly reviewed online and recommended by Mashable.</p> <h2>6. ParkingPanda</h2> <p><a href="https://www.parkingpanda.com/">ParkingPanda</a> is recommended by Forbes because it sets itself apart from the rest. It partners with stadiums, family attractions, and other events so that you can find a spot close to the action without wasting time searching for parking. There is also a referral program, which will allow you to earn free parking.</p> <h2>7. ParkWhiz</h2> <p><a href="http://www.parkwhiz.com/">ParkWhiz</a> is another app recommended by Forbes because it promises to help save you more money than all the rest. While most apps can only promise savings of about 50%, this app promises savings of up to 60%. The app will help you compare, reserve, and pre-pay for parking in no time.</p> <h2>8. City Specific Apps</h2> <p>There are several options for city specific apps, which are ideal when you live in a large, heavily populated city. Some of the apps for big city parking that you may want to check out include:</p> <ul> <li>VoicePark &mdash; San Francisco</li> <li>Can I Park Here? &mdash; New York</li> <li>PrimoSpot &mdash; New York, Boston, Seattle</li> <li>Chicago Parking &mdash; Chicago</li> </ul> <h2>Avoid Driving Altogether</h2> <p>If you're still having trouble finding parking, consider alternative transportation. Riding a bike is good for your fitness, taking your city's public transportation system will save you money, and walking when you can is great for your health, so try giving your car a break when you can.</p> <p><em>Do you know of any other apps that can help you find affordable parking in your city? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-11-best-parking-apps-for-your-city">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/9-skills-that-will-be-obsolete-soon">9 Skills That Will Be Obsolete Soon</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-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</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/8-crazy-things-tomorrows-cars-will-do">8 Crazy Things Tomorrow&#039;s Cars Will Do</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</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-back-to-school-iphone-apps">10 Back-to-School iPhone Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Technology apps big cities parking spaces reservations Mon, 31 Aug 2015 15:00:28 +0000 Andrea Cannon 1536846 at http://www.wisebread.com 7 Social Situations All Introverts Fear http://www.wisebread.com/7-social-situations-all-introverts-fear <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-social-situations-all-introverts-fear" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/anxious_man_000050324690_0.jpg" alt="Man learning worst social situations for introverts" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Some of us are social butterflies, happily flitting from person to person in social gatherings and loving every minute of it. But not everyone is so comfortable in these surroundings. In fact, to some <a href="http://www.wisebread.com/6-reasons-introverts-make-the-best-employees">introverts</a>, social situations can be a living hell; particularly (but not limited to) these seven stressful situations for soloists.</p> <h2>1. The Wedding Speech</h2> <p>Whether you're the best man, the father or mother of the bride, or the maid of honor, a speech is mandatory. And as this is a wedding, although there is obviously room for sentiment and love, there is an expectation of humor; especially from the best man.</p> <p>Comedians spend years perfecting their skills in front of live audiences, testing material, and honing it until they get laughs. If you're chosen to do a speech, you have one shot at it. There are places to improve your skills, including local toastmasters clubs, but it's still nerve-racking for an introvert. With the entire wedding party looking your way, the cold sweats and shakes can come on quickly.</p> <p>If you want to get through this, practice, practice, practice. And unless you are 100% sure that your bawdy joke or embarrassing true story about the bride/groom will go over well, don't tell it. You do not want to upset the happy couple in front of everyone they care about.</p> <h2>2. The Long Elevator Ride</h2> <p>Or worse, trapped in an elevator&hellip; aargh! Elevators are not fun for introverts. They are small, claustrophobic spaces filled with strangers. Getting on at the first floor and riding to the very top can feel like an eternity. There is this pressure to acknowledge the other people, but if you make eye contact they may just want to have a little chat. That's when you, as an introvert, will be looking everywhere for a way out. Some people will get off on the wrong floor and walk the rest of the way, just to avoid the conversation with a complete stranger.</p> <p>If you take a daily ride in an elevator, and it takes more time than you're comfortable with, bring something to look at. A phone is great, and so is a magazine or newspaper. With your head buried, you can avoid conversations and eye contact.</p> <h2>3. Alone at a Bar</h2> <p>There is something that stings true whenever an introvert is alone at a bar, party, club, or any other place where people gather for fun and drinks; the worst time to feel alone is in a crowded room. For extroverts, it's no problem. If they're alone, they remedy that by talking to strangers, sparking up conversations, and dancing with people. Introverts don't have that ability.</p> <p>As an introvert, being alone in a crowded place is tough. Really tough. You see conversations everywhere. People are laughing and joking with each other, having a great time, and you're stood, or sat, cradling a drink and looking at the exit sign. It's not easy. If it's not too busy, talking to the person behind the bar can bring some relief, as you have a legitimate reason to interact. There's always the phone as a standby, but that can be depressing. Your best bet here is whenever possible, arrange to meet people at the place you're going, or always go out with a group.</p> <h2>4. The Eulogy</h2> <p>Seinfeld said it best: &quot;According to most studies, people's number one fear is public speaking. Number two&hellip; is death. Death is number two. Does that sound right? This means to the average person, if you go to a funeral, you're better off in the casket than doing the eulogy.&quot;&nbsp;</p> <p>As social situations go, this one already has some major baggage. There has been a death of a friend, relative, or loved one, which is bad enough. There are a whole lot of people gathered in one place, trying to make conversation to relieve some of the tension. And to top it off, making a speech to a crowd of people, many of whom you don't know, is a social nightmare of an introvert.</p> <p>Luckily, there is no pressure here to be funny, although you can be. But still, with all eyes on the speaker for a few minutes, this is not good for any introvert. Once again, you should definitely try your eulogy out on a few close friends, if you are nervous about it. At the very least, practice in front of a mirror, and work out any kinks. Plus, take note cards. No one will fault you for having a memory aid.</p> <h2>5. Packed Trains and Buses</h2> <p>Commuters who take the subways every day will know this pain all too well. Train compartments are not designed for personal space. They have seats, they have standing room, and at rush hour in big cities, they are filled to the brim with people trying to get to work, or get home. It's bad enough when you have to sit next to someone who is a chatterbox, but when you're standing elbow-to-elbow with a bunch of complete strangers, the anxiety can increase tenfold.</p> <p>These situations are definitely best handled with either reading material (a phone, paper, puzzle book) or music and headphones. If you are in your own world, people are less likely to try and start any kind of conversation with you. And of course, try and avoid eye contact; especially with those people who seem eager to chat your ear off.</p> <h2>6. Surprise Parties</h2> <p>Introverts often have to attend social functions, there's just no getting around them. But, with enough time to prepare for the event, it's something that can be dealt with. A surprise party eliminates that buffer, and throws a big social event at someone who may not be mentally ready to be there.</p> <p>Whether it's a birthday, a baby shower, a retirement, or anything else, these events put the introvert at the center of the gathering. The spotlight is on them, and they want to duck inside their shell and crawl away. If you are an introvert, you may want to drop hints that you <em>really </em>don't like surprises; especially surprise parties. If one is suddenly thrust upon you, take some deep breaths, smile, and try and find just a few people to focus on, instead of the whole crowd.</p> <h2>7. The Open Plan Office</h2> <p>So technically, this may not be a social situation like the others, but let's not beat around the bush&hellip; it forces introverts to be more social, regardless of how they feel about it. The basic issue is a lack of privacy. Introverts do not want to live their lives in public. They don't want to make calls in front of other people. They don't want to be seen doing their jobs, especially if the open plan makes it very easy to interrupt them with idle chit-chat.</p> <p>If you are an introvert in an open plan office, you need to find ways to get the personal time you need. Don't eat lunch at your desk; instead, find a way to take a walk or go somewhere else. Wear headphones if you can, or even ear defenders, to block out noise and create your own space. And find creative ways to build a more private area for yourself, even if it's in the way you position your computer or the furniture.</p> <p><em>What social situations are tough for you? How do you get through them?</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/7-social-situations-all-introverts-fear">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/using-these-5-words-will-help-you-feel-more-successful">Using These 5 Words Will Help You Feel More Successful</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-deal-when-your-spouse-is-suffering-from-burnout">How to Deal When Your Spouse is Suffering From Burnout</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/8-alternative-ways-to-cook-outside">8 Alternative Ways to Cook Outside</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-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</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-times-trying-to-negotiate-can-backfire">5 Times Trying to Negotiate Can Backfire</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks anxiety awkward crowded introverts public speaking shyness social life Mon, 31 Aug 2015 11:00:28 +0000 Paul Michael 1538603 at http://www.wisebread.com 5 Times Trying to Negotiate Can Backfire http://www.wisebread.com/5-times-trying-to-negotiate-can-backfire <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-times-trying-to-negotiate-can-backfire" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/employee_meeting_work_000048989622.jpg" alt="Woman trying to negotiate and realizing it backfired" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When it comes to negotiating, the worst that can happen is that they'll say no &mdash; right? Not necessarily. Read on for our roundup of instances when negotiating can actually backfire.</p> <h2>1. When Your Negotiation Lacks Specifics</h2> <p>Whatever you're negotiating &mdash; be it an upgrade on a vacation package, better working conditions, or a pay raise &mdash; be sure that your end goal isn't so abstract that it can't be measured. Say you're on the phone with customer service for a boutique hotel that double-booked the room you had been planning to stay in on an upcoming holiday. And there are no more left with the ocean view you had wanted. You've been wronged, however innocently, and now you've got leverage. But what do you hope to get out of it? You need to be able to clearly define your negotiation goals.</p> <p>Telling customer service that you expect to be compensated for the error lacks specifics. Compensation might mean that the downgraded room you end up with comes with a bottle of champagne and free room service. It might mean a welcome drink in the lobby. It could be an upgrade to the honeymoon suite. Or a night on the house. If you don't specify what fair compensation means to you, you risk being disappointed. When negotiating, your ask should always be clear and measurable.</p> <h2>2. When You Set the Bar Too Low</h2> <p>Fear of failure is one of humankind's biggest self-imposed roadblocks. Sometimes, it haunts our negotiations. If we ask for what we think we can get rather than what we really want, we risk settling for the easier, less controversial negotiation. Setting goals we're confident we can obtain can be helpful. You should never negotiate for something that's downright outlandish.</p> <p>But when we go in the other direction and set the bar too low, we don't give our dreams a fair shot. So don't make this rookie mistake. Instead, set goals that are slightly out of reach, but not so far out that you can't achieve them. This is good advice for life as well as negotiations.</p> <h2>3. When You're Smiling</h2> <p>A new study examines how the <a href="https://www.psychologicalscience.org/index.php/news/minds-business/an-ill-timed-smile-can-hurt-you-in-negotiations.html">interpretation of facial expressions</a> can impact the outcome of business negotiations. And it's nothing to smile at. &quot;If you come to an agreement in a negotiation and you are really happy, it may not be a good idea to show how happy you are because it might lead the other person to think that you did better than they did,&quot; said Peter Carnevale, professor of management and organization at the University of Southern California's Marshall School of Business. &quot;A smile at the wrong time can discourage cooperation.&quot;</p> <h2>4. When You're a Woman</h2> <p>Research shows that initiating negotiations when female can backfire. Sad, but true. A 2007 study found that employers are less likely to hire <a href="https://www.cfa.harvard.edu/cfawis/bowles.pdf">women who ask for raises</a>. Why? Because go-getting women, in some instances, are perceived as demanding and lacking in team spirit. Even when a woman is successful in negotiating a pay raise, it can have negative impacts for her <a href="http://www2.tku.edu.tw/~tfstnet/upload/file/2013020516594546966.pdf">long-term earnings</a>, namely due to the fact that some employers will begin to view her as aggressive, according to research published in 2011. But that doesn't mean women should be less keen on negotiating and demanding what they deserve. To the contrary, they should proactively seek the best terms possible.</p> <p>Here's feminist businesswoman Sheryl Sandberg's take: Gender biases are rampant in the workplace, but don't give in to them, even if that means you risk taking on negative consequences. &quot;Every woman I know, particularly the senior ones, has been <a href="http://www.theguardian.com/lifeandstyle/2014/apr/05/sheryl-sandberg-facebook-bossy-interview">called too aggressive</a> at work,&quot; Sandberg said. &quot;We know in gender blind studies that men are more aggressive in their offices than women. We know that. Yet we're busy telling all the women that they're too aggressive. That's the issue.&quot;</p> <h2>5. When You're Looking to Settle Your Credit Card Debt</h2> <p>Settling your credit card debt for less than what you owe is likely to <a href="http://www.kiplinger.com/article/credit/T017-C000-S002-if-i-negotiate-a-payoff-will-it-hurt-my-score.html">hurt your credit score</a> quite a bit. If your credit score is intact, you might want to think twice before opening up negotiations. If your credit card issuer agrees to close your account in exchange for a lump sum, your credit score wouldn't suffer. But that's not standard protocol. Common practice is for the issuer to report the number of days your account was delinquent as well as the fact that your debt was settled for less than the full amount.</p> <p><em>When has negotiating backfired for you?</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/5-times-trying-to-negotiate-can-backfire">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/11-retailers-where-you-can-negotiate-a-lower-price">11 Retailers Where You Can Negotiate a Lower Price</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/ask-these-8-questions-to-get-a-better-price">Ask These 8 Questions to Get a Better Price</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-tricks-you-should-learn-from-great-hagglers">10 Tricks You Should Learn From Great Hagglers</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/fight-your-speeding-ticket-save-yourself-some-dough">Fight Your Speeding Ticket, Save Yourself Some Dough</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/conversation-killers-what-s-holding-you-back-from-negotiating">Conversation Killers: What’s Holding You Back From Negotiating?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks bargaining demands negotiating women Mon, 31 Aug 2015 09:00:34 +0000 Brittany Lyte 1541941 at http://www.wisebread.com The 5 Best iPhone 6 Covers http://www.wisebread.com/the-5-best-iphone-6-covers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-iphone-6-covers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_iphone_000030435408.jpg" alt="Woman using best iphone cover on her iphone" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You&rsquo;ve spent a lot of money on your smartphone, so why not protect it? With the right iPhone 6 cover, you can protect your phone from falls, scratches, and other damage, preserving it for the long run. By adequately protecting your phone, you can get more from your investment and enjoy years of reliable use from your iPhone.</p> <h2>What Is an iPhone 6 Cover?</h2> <p>No iPhone is complete without the right case or cover. An iPhone 6 cover will protect your phone, while helping you display your own personal style. To get the most of your new phone case, look for a durable solution that offers great shock absorption, drop protection, scratch resistance, and any other features you need to protect your device.</p> <h2>Top 5 iPhone 6 Covers</h2> <h3>OtterBox Defender Series iPhone 6 Case</h3> <p><a href="http://www.amazon.com/gp/product/B00N1AFY1Q/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00N1AFY1Q&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=VXVHGQCB2KV72CXR"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/otterbox.jpg" width="100" height="245" align="right" alt="" /></a>As Amazon&rsquo;s #1 best seller in cell phone holsters and clips, the award-winning <a href="http://www.amazon.com/gp/product/B00N1AFY1Q/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00N1AFY1Q&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=VXVHGQCB2KV72CXR">OtterBox Defender Series iPhone 6 Case</a> comes from the #1 most trusted supplier in smartphone case protection. It comes in all different colors and styles to match your personal preferences.</p> <p>The Defender Series case offers triple-layer protection and is built from a high-impact, scratch-resistant polycarbonate shell and durable silicone slip cover, providing heavy duty protection against drops, bumps, shock, dust, dirt, scrapes, and damage. The robust case also has a built-in screen protector to guard against scratches, while the port covers keep dust and debris out. There is also an included belt-clip holster that doubles as a kickstand for hand-free media viewing. OtterBox also offers superior customer service and a 1-year warranty.</p> <p><a href="http://www.amazon.com/gp/product/B00N1AFY1Q/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00N1AFY1Q&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=VXVHGQCB2KV72CXR"><em>Currently $34.19 on Amazon</em></a></p> <h3>Trent Trentium 6S Rugged Protective Durable TPU iPhone 6 Rugged Case</h3> <p><a href="http://www.amazon.com/gp/product/B00MXDZFFM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00MXDZFFM&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=YHBR3SXQ5CGWYDBS"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/trent%20trentium.jpg" width="245" height="202" align="right" alt="" /></a>If you&rsquo;re always changing your mind and frequently changing your case, then the <a href="http://www.amazon.com/gp/product/B00MXDZFFM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00MXDZFFM&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=YHBR3SXQ5CGWYDBS">Trent Trentium 6S Rugged Protective Durable TPU iPhone 6 rugged case</a> is the one for you. With Black/Silver/Gold Interchangeable Back Plates included, you can change your case between the three classic color choices whenever you like.</p> <p>The case includes a two-piece, flexible TPU shell and hard polycarbonate cover that offers full body rugged protection, yet surprisingly lightweight design. In fact, the slim case only adds an extra 5mm to your iPhone 6, so you won&rsquo;t have to worry about any added bulkiness. The precise design offers cutouts for full access to all speakers, microphone, camera, charging ports, audio ports, buttons, and features.</p> <p>It also features all around corners bumper for maximum impact resistance and durability. Many reviewers stated that the case feels very high end, despite its affordable price point. It is also backed by a 10-month warranty for your peace of mind.</p> <p><a href="http://www.amazon.com/gp/product/B00MXDZFFM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00MXDZFFM&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=YHBR3SXQ5CGWYDBS"><em>Currently $18.95 on Amazon</em></a></p> <h3>Cable &amp; Ultra Protection Case</h3> <p><a href="http://www.amazon.com/gp/product/B00SNVC41Q/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00SNVC41Q&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DKNRGLGDEFNLTG6Y"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/labc%20case.jpg" width="205" height="245" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B00SNVC41Q/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00SNVC41Q&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DKNRGLGDEFNLTG6Y">iPhone 6 Cable &amp; Ultra Protection Case (or the Cable Case)</a>, will save you in all of your worst iPhone-related emergencies. It has a detachable silicon 8 pin Apple Certified MFi Lightning Cable and stand inside of the case, so you can plug in and charge your phone anywhere you need to. You&rsquo;ll never have to worry about forgetting your cable and running out of power again.</p> <p>The cable also doubles over as a kickstand, truly making it a multi-purpose gadget. The durable case can also withstand a fall. With advanced Shock Absorption Technology and a Hexagonal inner Pattern TPU protection case, it will keep your phone well protected. It is also a recipient of the Red Dot, IDEA, Product Design Awards in 2014 and is one of the top rated cases on Amazon. The case also includes a free screen protective film and is available in 7 different colors, so you can choose which one best suits your style.</p> <p><a href="http://www.amazon.com/gp/product/B00SNVC41Q/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00SNVC41Q&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DKNRGLGDEFNLTG6Y"><em>Currently $24.99 on Amazon</em></a></p> <h3>Spigen Tough Armor Case for iPhone 6</h3> <p><a href="http://www.amazon.com/gp/product/B00LL60JU8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00LL60JU8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=I447GRJT5GWLROP7"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/spigen.jpg" width="162" height="245" align="right" alt="" /></a>As an Amazon best seller in cell phone cases, holsters, and clips, the <a href="http://www.amazon.com/gp/product/B00LL60JU8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00LL60JU8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=I447GRJT5GWLROP7">Spigen Tough Armor Case</a> offers superior protection, while remaining less bulky than other protective cases. The dual layered build of flexible, anti-stretch TPU and premium polycarbonate also feature Air Cushioned corners and an interior spider web pattern to offer better shock absorption and protection from drops and scratches.</p> <p>The 4-Point Rear Guard protects the polycarbonate back plate, while a 0.7mm lip protects the screen. The expanded port opening is made wide enough for any chargers and ports, and the case also offers easier access to the power and volume buttons. Spigen is a trusted manufacturer and offers a range of covers that are each award-winning best sellers on Amazon. This case is available in a range of colors to best suit your style.</p> <p><a href="http://www.amazon.com/gp/product/B00LL60JU8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00LL60JU8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=I447GRJT5GWLROP7"><em>Currently $17.76 on Amazon</em></a></p> <h3>SUPCASE Full-body Belt Clip Holster Case for Apple iPhone 6&nbsp;</h3> <p><a href="http://www.amazon.com/gp/product/B00MOOF4D8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00MOOF4D8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=X33DAG32QLIP6OZ4"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/supcase.jpg" width="186" height="245" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B00MOOF4D8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00MOOF4D8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=X33DAG32QLIP6OZ4">SUPCASE Full-body Belt Clip Holster Case</a> has a built-in screen protector to provide your phone with ultimate protection. The advanced dual layer design combines high grade polycarbonate hard shell and flexible TPU to withstand accidental drops, bumps, and shock. Precise cutouts allow for full access to the touchscreen, camera, buttons, speaker, and ports.</p> <p>This holster case also includes a 360 degree swiveling Belt Clip Holster, making it perfect to take on the job or on your next outdoor excursion. The shock resistant case is available in 5 color options to best suit your style.</p> <p><a href="http://www.amazon.com/gp/product/B00MOOF4D8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00MOOF4D8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=X33DAG32QLIP6OZ4"><em>Currently $15.99 on Amazon</em></a></p> <p>And those are our recommendations for the best iPhone 6 covers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-iphone-6-covers">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/the-5-best-solar-power-banks">The 5 Best Solar Power Banks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-laptop-cases">The 5 Best Waterproof Laptop Cases</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-ups-backup-batteries">The 5 Best UPS Backup Batteries</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-power-banks">The 5 Best Power Banks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-laptop-cases">The 5 Best Laptop Cases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology iPhone iphone covers product reviews tech accessories Thu, 27 Aug 2015 09:00:13 +0000 Andrea Cannon 1469257 at http://www.wisebread.com Best Money Tips: Ways to Reduce Stress at Work http://www.wisebread.com/best-money-tips-ways-to-reduce-stress-at-work <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-reduce-stress-at-work" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_stressed_work_000054548632.jpg" alt="Woman finding ways to reduce stress at work" 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 ways to reduce stress at work, things to do before you buy new clothes, and surprising ways to use tea bags.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.pickthebrain.com/blog/5-ways-reduce-stress-work-place/">5 Ways To Reduce Stress In The Work Place</a> &mdash; Listening to a co-worker vent isn't a bad thing&hellip;unless it starts to stress you out, too. Make sure you're taking care of yourself before you take on someone else's problems. [Pick The Brain]</p> <p><a href="http://www.northerncheapskate.com/8-things-you-should-do-before-you-buy-new-clothes/">8 Things You Should Do Before You Buy New Clothes</a> &mdash; Think outside your department! Shop for plain t-shirts or socks in the men's section &mdash; they tend to be cheaper and better made than similar items for women. [Northern Cheapskate]</p> <p><a href="http://www.popsugar.com/smart-living/Ways-Use-Tea-Bags-37803585">11 Things You Didn't Know Tea Bags Could Be Used For</a> &mdash; Marinating meat with strong black tea will make it super tender! [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2015/0822/As-rents-rise-remember-these-tips-to-stretch-your-dollar">As rents rise, remember these tips to stretch your dollar</a> &mdash; Find out what is and isn't included with the rent, like utilities or laundry. [The Monitor]</p> <p><a href="http://www.marcandangel.com/2015/08/16/7-surprising-reasons-youre-attracting-toxic-people/">7 Surprising Reasons You&rsquo;re Attracting Toxic People</a> &mdash; Generosity without boundaries can leave you vulnerable to people who would take advantage of your goodwill. [Marc and Angel Hack Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thefrugaltoad.com/personalfinance/10-essential-questions-to-ask-at-every-interview">10 Essential Questions To Ask At Every Interview</a> &mdash; Ask if there is room to grow in the position that you are being offered. You don't want to be stuck in a dead-end job! [The Frugal Toad]</p> <p><a href="http://moneyning.com/budgeting/5-reasons-your-budget-just-isnt-working/">5 Reasons Your Budget Just Isn&rsquo;t Working</a> &mdash; Review your monthly expenses and make sure you're budgeting the right amounts in the right categories. [MoneyNing]</p> <p><a href="http://www.carefulcents.com/freelance-client-doesnt-pay/">How to Deal With a Freelance Client Who Doesn&rsquo;t Pay</a> &mdash; Stay calm! Reach out to your client and determine the cause of non-payment, then work to resolve it.&nbsp;[Careful Cents]</p> <p><a href="http://liveyourlegend.net/how-to-feel-rich/">How to Feel Rich (Even When You Think You're Poor)</a> &mdash; What does it actually mean to be rich? [Live Your Legend]</p> <p><a href="http://parentingsquad.com/how-to-help-your-preschooler-learn-to-read-and-write">How to Help Your Preschooler Learn to Read and Write</a> &mdash; There are tons of books out there for beginning readers, but your child will be more excited about reading books that include their interests. [Parenting Squad]</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-ways-to-reduce-stress-at-work">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/how-to-deal-when-your-spouse-is-suffering-from-burnout">How to Deal When Your Spouse is Suffering From Burnout</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/tips-from-a-hostage-negotiator-that-anyone-can-use">Tips From a Hostage Negotiator That Anyone Can Use</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/8-alternative-ways-to-cook-outside">8 Alternative Ways to Cook Outside</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-tricks-to-beating-budget-burnout">5 Tricks to Beating Budget Burnout</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/7-social-situations-all-introverts-fear">7 Social Situations All Introverts Fear</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks best money tips stress Wed, 26 Aug 2015 19:00:16 +0000 Amy Lu 1537806 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-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/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/mind-over-math-believing-it-makes-it-so">Mind Over Math - Believing It Makes It So</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/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-4 views-row-even"> <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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/my-personal-productivity-ruleswhat-are-yours">My Personal Productivity Rules...What Are Yours?</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 4 Ways Outsourcing Chores Can Save You Time and Money http://www.wisebread.com/4-ways-outsourcing-chores-can-save-you-time-and-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-outsourcing-chores-can-save-you-time-and-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_000022890952.jpg" alt="Woman outsourcing chores and saving time and money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We're busy people, with lives filled by family, work, errands, chores, and tons of other tasks that pull us in a million directions. Add all of this on top of being a self-employed business owner, and there are times when I find myself sacrificing sleep, or skipping meals, as a way to get more things checked off my list.</p> <p>Two years ago I quit my day job to freelance full-time and have been in time-crunch mode ever since. As a way to <a href="http://www.wisebread.com/give-yourself-a-break-the-productivity-secret-thatll-change-the-way-you-work">become more productive</a>, I've learned how to outsource work I don't have time for, or don't know how to do.</p> <p>What if you delegated household chores so you could regain control? Here's how to outsource your life so you have more time and money.</p> <h2>1. Avoid Grocery Shopping</h2> <p>Grocery shopping is one of my least favorite chores to do each week. Unless you're a personal chef (like my husband), you probably hate <a href="http://www.wisebread.com/save-100s-next-month-with-these-10-grocery-shopping-tips">going to the grocery store</a>, too. Instead of wasting your time on this chore, why not have your groceries delivered? If you live in a big city, check out services like <a href="http://www.anrdoezrs.net/click-2822544-10782119-1406910980000">Peapod</a> or <a href="https://fresh.amazon.com/">AmazonFresh's</a> food service.</p> <p>Just order your regular grocery items that you purchase every week, such as milk, bread, toilet paper, and other consumables, and get them delivered right to your door. No driving through traffic, or weaving in-and-out of the busy produce section.</p> <p>The great thing about these services is that you can find the best prices, use coupons, and take advantage of weekly discounts, just as you would if you were going the traditional grocery shopping route.</p> <p><strong>Time saved per week</strong>: One hour or more (depending on how long you usually take to meal plan and drive to your local store).</p> <p><strong>Average monthly cost</strong>: Cost of groceries plus delivery and tip (plus $99 a year for Amazon Prime).</p> <h2>2. Look Stylish on a Budget</h2> <p>Retail therapy is a great way to unwind, score some fashionable finds, and hang out with friends, but it's not always great for your budget. Limit your regular shopping trips by outsourcing your clothing needs using services like <a href="http://www.anrdoezrs.net/click-2822544-11713107-1413249375000">Stitch Fix</a> or <a href="http://www.shoedazzle.com/">ShoeDazzle</a>.</p> <p>A box is delivered straight to your front door that includes styles based on your personal taste. You only pay for the items you like and want to keep, otherwise you simply return any unworn clothing or shoes.</p> <p>The upside is you get customized picks, from designers and professional stylists, without ever leaving the house. You'll also be able to <a href="http://www.wisebread.com/4-ways-stores-trick-us-into-impulse-buys-and-how-to-resist">avoid any impulse buys</a> or unwanted purchases simply by choosing the bare essentials.</p> <p><strong>Time saved per week</strong>: One hour or more (depending on how long you usually shop).</p> <p><strong>Average monthly cost</strong>: $55 for clothing and shoes (plus $20 processing fee applied to purchase).</p> <h2>3. Get Help With Daily Errands</h2> <p>Odd jobs around the house constantly seem to stack up. From cleaning the car, to mowing the yard, to cleaning out the gutters, a resource like <a href="https://www.taskrabbit.com/">Task Rabbit</a> can help. No task is too big or too small.</p> <p>If you need a ride to the airport, furniture delivered on a certain day, help walking the dog, or deep housecleaning, you can use this service to find the right person. You can even pay someone to stand in line for you at the DMV! This service is currently available in 19 cities and counting, so save yourself time by outsourcing your daily errands.</p> <p><strong>Time saved per week</strong>: Two hours or more (depending on chore).</p> <p><strong>Average monthly cost</strong>: Cost of errand billed hourly.</p> <h2>4. Hire a Bookkeeper or Household Manager</h2> <p>As the breadwinner for my small family, I don't always have time to prepare reports, pay taxes, and manage the affairs of our household. If you're in the same position, you know the importance of these tasks, and how vital it is that the <a href="http://www.wisebread.com/6-simple-ways-to-save-money-by-tracking-your-receipts">bills are paid on time</a>, but you also want to spend your time with your family and friends.</p> <p>One way to solve this is to hire a part-time bookkeeper or household manager. For $125 a month I work with a virtual bookkeeper who helps manage my bills, bank accounts, schedules appointments, and deals with other household projects. This allows me to spend my time at a yoga class, or going on a date with my husband.</p> <p><strong>Time saved per week</strong>: Two hours or more (depending on chore).</p> <p><strong>Average monthly cost</strong>: $100 or more depending on tasks.</p> <h2>You Really Can Save Time and Money With Outsourcing</h2> <p>Life's too short to spend a lot of time on doing household chores or trying to DIY tasks that are too complicated. Thanks to a rise in outsourcing services, you can delegate any kind of chore you don't have time to do. This will allow you time to do more important things, like spending quality time with your kids, or enjoying a weekend with friends.</p> <p><em>Have you tried outsourcing chores? What's another way to save time and money each week?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-smith">Carrie Smith</a> of <a href="http://www.wisebread.com/4-ways-outsourcing-chores-can-save-you-time-and-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-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/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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/breaking-the-bread-code-how-to-get-the-freshest-loaf">Breaking the Bread Code: How to Get the Freshest Loaf</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-and-worst-times-to-go-grocery-shopping">The Best and Worst Times to Go Grocery Shopping</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/save-100s-next-month-with-these-10-grocery-shopping-tips">Save $100s Next Month With These 10 Grocery Shopping Tips</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Productivity Shopping chores errands groceries Help outsourcing Wed, 26 Aug 2015 11:00:20 +0000 Carrie Smith 1533307 at http://www.wisebread.com 6 Apps Every Dad Needs http://www.wisebread.com/6-apps-every-dad-needs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-apps-every-dad-needs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/father_and_son_online_000019788770.jpg" alt="Father finding apps that dad needs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're a new dad or a seasoned pro, life certainly gets hectic with work and family in the mix. Here are some useful tools that will help you feel better organized, as well as healthier and more confident. (Related: <a href="http://www.wisebread.com/the-4-worst-mistakes-good-parents-make?ref=seealso">The 4 Worst Mistakes Good Parents Make</a>)</p> <h2>1. Cozi</h2> <p>Chances are, with lots of people living under one roof, life can get crazy. The worst part? You all have different schedules. Take charge with <a href="http://www.cozi.com">Cozi</a>, a social organizer for busy families. You can color code each family member's work, school, and personal schedules on one shared calendar. Write up grocery, chore, and other to-do lists to distribute with ease. You can even share photos and other information with your extended family.</p> <h2>2. Quick Tips for New Dads</h2> <p>Didn't have time to read all those parenting books before your kid was born? No worries. With <a href="https://itunes.apple.com/gb/app/quick-%C2%AD%E2%80%90tips-%C2%AD%E2%80%90for-%C2%AD%E2%80%90new-%C2%AD%E2%80%90dads/id843364411">Quick Tips for New Dads</a>, you'll get everything you need to know in your phone. Check out quick snippets of useful information on everything from bottle feeding to naptime routines to looking after mom. With over 250 added stress-busting tips, this app is your holy grail for surviving that first year.</p> <h2>3. Mint Bills</h2> <p>You have enough things to worry about besides when your utilities or cable bills are due. And don't mention those dreaded late fees! Some banks have awesome apps you can use to manage your money. If yours isn't one of them, wrangle your due dates and payments with <a href="https://itunes.apple.com/us/app/mint-bills-money/id285056092?mt=8">Mint Bills</a>. Set up all your bank account, credit card, and bills information once, and the app does the rest of the work.</p> <h2>4. 7-Minute Workout</h2> <p>Being a dad sometimes means skipping workouts to make way for other obligations. Put the power in your back pocket with the <a href="https://itunes.apple.com/us/app/7-minute-workout/id650762525?mt=8">7-Minute Workout</a> app by Wahoo Fitness. You can sneak in a sweat session whenever you find spare time or even combine a few for a longer routine. Each session groups 12 high-intensity bodyweight exercises (no equipment or gym required) at 30 seconds each with 10 seconds of rest between moves. A healthy dad is a happy dad, so take care of yourself.</p> <h2>5. College Saving Wiz</h2> <p>It's never too early (or late) to start saving for your child's education. Download <a href="https://itunes.apple.com/us/app/college-saving-wiz/id674276203?mt=8">College Saving Wiz</a> for handy cost-estimating calculators, savings goals, and even tips for how to stash away extra cash. This app was designed by emeritus professor of finance Lawrence J. Gitman at San Diego State University. And if you'd like to help your kids develop good money habits, also check out <a href="https://itunes.apple.com/us/app/saving-wiz-jr./id674198368?mt=8">Saving Wiz Jr</a>.</p> <h2>6. Evernote</h2> <p>While you're out and about at dance lessons or soccer games, you just might need to do some last-minute research for tomorrow's big meeting. That's where <a href="https://evernote.com">Evernote</a> comes in. You can gather information from anywhere and record your thoughts on essentially anything &mdash; work projects, shopping lists, home improvement projects &mdash; it's up to you. This app syncs across your different devices and lets you put everything into streamlined notebooks with tags and note links for added organization.</p> <p><em>What apps and tools do you use to be a better dad?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/6-apps-every-dad-needs">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/6-ways-to-ease-your-parents-into-assisted-living">6 Ways to Ease Your Parents Into Assisted Living</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/9-skills-that-will-be-obsolete-soon">9 Skills That Will Be Obsolete Soon</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-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-ways-to-spend-the-last-10-minutes-of-your-workday">The 5 Best Ways to Spend the Last 10 Minutes of Your Workday</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Productivity apps fathers organization parents working dads Tue, 25 Aug 2015 09:00:59 +0000 Ashley Marcin 1530568 at http://www.wisebread.com The 7 Best Pieces of Homemaking Advice From Martha Stewart http://www.wisebread.com/the-7-best-pieces-of-homemaking-advice-from-martha-stewart <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-7-best-pieces-of-homemaking-advice-from-martha-stewart" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000018281549.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Martha Stewart's name is synonymous with clever tips and tricks. Even as time has advanced, her tips remain the gold standard of anything homemaking. Here's a collection of some of her most useful advice on anything from flavoring foods to cleaning your grungy down comforters. (See also: <a href="http://www.wisebread.com/7-old-fashioned-skills-that-save-you-money?ref=seealso">7 Old Fashioned Skills That Save You Money</a>)</p> <h2>1. Hard Boiling Eggs</h2> <p>Eggs are inexpensive, portable protein bites that are nutritious and delicious to boot. I've used Martha's instructions on <a href="http://www.marthastewart.com/354061/perfect-hard-boiled-eggs">how to hard boil eggs</a> many times with perfect results. Place a dozen eggs in a large saucepan and cover with an inch of cold water. Bring water to boil over medium heat, then cover and remove from the burner. After 12 minutes, transfer to a colander and soak in cool water to stop the cooking process. Eggs (in shells) stay good for three days, sometimes longer.</p> <h2>2. Preserving Herbs</h2> <p>Martha helps us save money by offering some tips on how to <a href="http://www.marthastewart.com/247551/preserving-herbs">preserve summer herbs</a> for fall and winter enjoyment. There are several methods you can try, including wrapping herbs loosely in tulle fabric inside the fridge. In a couple of weeks, the herbs will dry out and can be packaged in a tin. Blanching and freezing is another great way to preserve and will also keep colors vibrant. Or you can blend a pint of olive oil with a bunch of blanched herbs before freezing into an ice tray for flavorful oil cubes. (See also: <a href="http://www.wisebread.com/preserving-in-season-foods-for-off-season-feasts?ref=seealso">Preserving In-Season Foods for Off-Season Feasts</a>)</p> <h2>3. Creating a Cleaning Bucket</h2> <p>Save time on your chores by creating a <a href="http://www.marthastewart.com/340652/spring-organizing-tips/@center/276989/organizing#234877">cleaning bucket</a> with all your supplies in one place. Martha suggests adding a glass cleaner, all-purpose spray, an assortment of scrub brushes, rubber gloves, and a few towels to your collection. My tip? Make your own <a href="http://www.wisebread.com/how-to-clean-everything-with-just-3-all-natural-cleaners">DIY cleaning supplies</a> and pick up the rest at your local dollar store.</p> <h2>4. Folding Fitted Sheets</h2> <p>Are your fitted sheets crumpled in the linen closet like mine? Martha shows us the right way to <a href="https://www.youtube.com/watch?v=Q-a2FR1iwqg">fold these fitted sheets</a> to eliminate wrinkles. To start, hold the top two corners in each hand. Flip the right side over onto the left and shake the sheet to get everything lined up correctly on the bottom. Feel your way down the elastic to the next corner and flip it over the others. When you get the final corner squared away, you should be able to fold everything into a neat, flat package.</p> <h2>5. Cleaning Stainless Steel</h2> <p>I have a good collection of stainless steel pots and pans I love to use for the bulk of my cooking. Unfortunately, they're marked up from heat and hard water. Martha explains that the best way to get your stainless gleaming again is to rub them with a cloth <a href="http://www.marthastewart.com/266191/cleaning-stainless-steel">soaked in white vinegar</a>. Wash after each use to prevent a film from forming. And never soak, as it will result in a pitted surface.</p> <h2>6. Laundering Down</h2> <p>With the cold weather season ahead of us, I'm getting ready to pull out our down comforters again. The thing is, I've never washed them &mdash; and they're getting funky. Martha shares that I don't need to take these things to a professional. Instead, I can <a href="http://www.marthastewart.com/270108/laundering-down">launder my down</a> by using a mild, low-sudsing detergent in a front-load washer (I'll need a few quarters for the laundromat). To dry, just go through the spin cycle and then tumble on low.</p> <h2>7. Storing Fresh Greens</h2> <p>Fresh kale is one of my go-to snacks, but I feel like it goes bad the minute I stick it in the fridge. Martha offers a simple <a href="http://www.marthastewart.com/973761/how-wash-and-store-greens#973761">wash and dry method</a> that will keep greens kicking longer. Just dunk them in cold water to loosen dirt and debris, dry in a salad spinner, wrap loosely in paper towels, and store in a plastic bag. It's as easy as that! (Related: <a href="http://www.wisebread.com/10-fruits-and-veggies-that-stay-fresh-a-month-or-longer?ref=seealso">10 Fruits and Veggies that Stay Fresh a Month or Longer</a>)</p> <p><em>What's your favorite bit of homemaking advice from Martha Stewart?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/the-7-best-pieces-of-homemaking-advice-from-martha-stewart">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/8-alternative-ways-to-cook-outside">8 Alternative Ways to Cook Outside</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-tips-for-camping-cooking">10 Tips for Camping Cooking</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/8-spectacular-uses-for-that-lone-can-of-fruit">8 Spectacular Uses for that Lone Can of Fruit</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-food-strainer-my-new-old-fashioned-gadget">The Food Strainer: My New, Old-Fashioned Gadget</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/7-diy-kitchen-skills-that-will-save-you-money">7 DIY Kitchen Skills That Will Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Food and Drink advice cleaning Cooking homemaking laundry martha stewart Mon, 24 Aug 2015 15:00:23 +0000 Ashley Marcin 1532873 at http://www.wisebread.com 6 Ways Regular Budget Meetings Might Save Your Marriage http://www.wisebread.com/6-ways-regular-budget-meetings-might-save-your-marriage <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-regular-budget-meetings-might-save-your-marriage" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_budgeting_000047207918.jpg" alt="Couple having regular budget meetings to save their marriage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your spouse just spent $700 on a new laptop, without checking in with you first. Or maybe you're the culprit, racking up $250 of new credit card purchases last month that weren't in your household budget.</p> <p>Whoever is at fault, such unexpected financial missteps are a leading source of tension in any relationship. But there is a way to eliminate these unwanted financial surprises: regular budget meetings between you and your partner.</p> <p>Holding a weekly or monthly budget meeting doesn't sound like the best way to spend an evening. But such meetings are important. Regular budget meetings can help couples stay on track when it comes to paying off debt, building savings, and stowing away dollars for retirement.</p> <p>&quot;I find that couples who get along the best financially speaking are those who communicate openly and freely when it comes to their finances,&quot; said Kevin Murphy, senior financial services consultant with McGraw-Hill Federal Credit Union in East Windsor, New Jersey. &quot;Couples should discuss their goals and set a plan together.&quot;</p> <p>Married couples argue about a host of subjects. But <a href="http://www.wisebread.com/heres-how-delaying-marriage-or-kids-saves-you-money">financial matters</a> often top the list, which is why a regular budget meeting can make your marriage a happier one. These money meetings increase the odds that you and your partner will be working toward the same financial goals, and that one or both of you won't be overspending on a regular basis.</p> <p>The best news? These budget meetings don't have to be unpleasant. Here are some tips on holding successful budget meetings.</p> <h2>1. Set a Regular Time</h2> <p>Agree to hold your household budget meetings at a regular time, whether it's every Thursday night, every two weeks, or once a month. If you don't schedule your budget meetings as you would any other appointment, life will get in the way. If you're like most couples, you'll sit down to a Netflix movie and blow off the money meeting. Try to aim for meeting once a week or, at the least, once a month.</p> <h2>2. Give Them a Time Limit</h2> <p>Your partner might imagine a budget meeting lasting into the wee hours of the evening as you both pore over every credit card purchase and ATM withdrawal. No one wants to talk money for hours. Instead, put a set time limit on your regular budget meetings, perhaps limiting the meeting to a maximum of one hour. If you meet frequently enough, 60 minutes should be more than enough time to go over your household finances.</p> <h2>3. No Blame Game</h2> <p>Some people are better at sticking to a budget. That's a fact. Partners who make those extra purchases every month might shy away from budget meetings because they don't want to be lectured for an entire hour on their recent financial missteps. Refrain from using budget meetings to blame each other for financial setbacks. Instead, use the time to craft a budget that works for everyone. If your partner is regularly blowing the budget, ask what you both can do to resolve the problem.</p> <h2>4. Make It Realistic</h2> <p>Maybe your partner overspends each month because your household budget is too tight, and doesn't leave any room for fun or unnecessary purchases. Use your regular meetings to tweak your budget so that it works for your household. A household budget is always a work-in-progress. It's okay, and even advisable, to make regular changes to it. If your household budget isn't working, use your meetings to adjust it so that it does.</p> <h2>5. Come Prepared</h2> <p>You'll need actual numbers to hold a successful budget meeting. So print out credit card statements, bank statements, and other important documents. Bring bills that need to be paid in the next several days, too. Armed with this information, you and your partner can make the best financial decisions for the weeks ahead.</p> <h2>6. Eliminate the Distractions</h2> <p>It's not easy holding a budget meeting when your kids are asking for snacks or your dog is whining for a walk. Finish the household chores before your budget meeting. You want a quiet block of time so you can focus. If your meeting is interrupted by too many distractions, you'll be tempted to cut it short before you address your family's most important financial matters.</p> <p><em>Do you and your partner hold regular budget meetings?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/6-ways-regular-budget-meetings-might-save-your-marriage">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/5-questions-couples-should-ask-in-the-money-talk">5 Questions Couples Should Ask in the Money Talk</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-navigate-3-common-money-arguments-with-your-significant-other">How to Navigate 3 Common Money Arguments With Your Significant Other</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/6-time-tested-ways-to-make-a-relationship-work">6 Time-Tested Ways to Make a Relationship Work</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-worst-mistakes-good-spouses-make">5 Worst Mistakes Good Spouses Make</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/could-a-divorce-improve-your-finances">Could a Divorce Improve Your Finances?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Personal Development marriage meetings money relationships spouse Fri, 21 Aug 2015 15:00:33 +0000 Dan Rafter 1526967 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-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/7-tips-for-better-workplace-body-language">7 Tips for Better Workplace Body Language</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-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-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/6-things-you-need-to-stop-asking-hr-for">6 Things You Need to Stop Asking HR For</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-things-never-to-bring-up-in-a-job-interview">5 Things Never to Bring Up in a Job Interview</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