Paul Michael's blog

15 Smart New Uses for Hair Clips

Paul Michael — Tue, 19 Apr 2016 09:00:06 +0000

There are many types of hair clips out there, including jaw clips, barrettes, snap clips, and banana clips. But aside from keeping your locks looking lovely, do they have other uses? As it turns out, yes, they have other uses. Here are 15 ways you can repurpose those hair clips to make life a little easier. (See also: 15 Surprisingly Valuable Uses for a Penny)

1. Keep Your Sunglasses Clipped to Your Visor

Many cars these days come with a sunglasses holder between the two visors. But, they're only good for one pair. By using a jaw clip, you can attach your sunglasses to the visor and easily retrieve them. You can have several pairs up there, too. Just use a jaw clip for each pair of sunglasses.

2. Organize Your Cords and Wires

We all have a bunch of cords, wires, and cables hanging around at the home entertainment center or computer desk. You can use jaw clips or large barrettes to keep them looking much more neat and tidy. Use several small clips along the length of the wires, or if you have them, a couple of the much bigger clips. As they come in a wide variety of colors, you can even use clips that coordinate with the color of the wires, including white, black, yellow, or blue.

3. Keep That Toothpaste Tube in Order

You may be one of those people, like me, who likes to squeeze from the bottom of the tube. As you get at least half way along, you can roll the used portion of the tube up and secure it with a hair clip. It's an easy way to stop the toothpaste from escaping back into the used section of the tube.

4. Prevent Tangled Necklaces

My niece has a lot of necklaces, and she told me about this neat little trick. Banana clips come in many varieties, but the ones with teeth spaced apart widely are great for hanging necklaces over. Hang one over each tooth, then close and fasten the banana clip, and place it in a drawer. No more tangles, knots, and other necklace annoyances.

5. A Handy Bookmark

When you're reading a book, and want to stop, don't create the dreaded dog-ear. Instead, grab a snap clip and place it over the top of the page. It will mark your place without creating that large crease, and it's easy to slide on and off. Felt hair clips are also great for this, and come in a wide variety of cute styles.

6. Keep Dish Sponges Out of the Sink

You know how they can get soggy, and smelly, if left in the sink itself. It's gross. Take a piece of string, tie it to the jaw clip, and attach it somewhere close by — even over the faucet. Clip your sponge there when you're done with it, and it will drip-dry and stay fresh longer.

7. Turn a Hair Clip Into a Chip Clip

By far one of the most popular uses for hair clips in my household is for keeping large bags of chips closed. Hair clips are just as good as chip clips for this job, and when the chip bag is empty, you still have the hair clip available for its original use, should you need it.

8. Stop a Door From Closing

Do you have a door in your house that needs to be kept ajar a little? Perhaps the room containing the cat's litter box? Or maybe you don't want small fingers to get trapped in the door. You can buy finger-pinch guards, but large jaw clips with string springs can also do this job. Place it at the top of the door, out of reach of the kids. The jaw clip will hold itself in place, and will stop the door from being closed all the way. (You'll need to run a few tests first. If the jaw clip isn't strong enough, it will fly off on the first try.)

9. No Stapler? Use a Snap Clip

If you're looking to keep a bunch of papers together and don't have any binder clips or a stapler handy, a snap clip will do the job. It can comfortably hold around 10 sheets of paper together, and if you're handing in a school paper, it can be a fun way to jazz up the presentation.

10. Secure Your Towel

Ladies, if you're in the locker room at the gym and want a way to keep your towel from falling down, secure it with a small jaw clip, like this. It's a quick, easy solution, and it works with a wide variety of jaw clips.

11. Create a Gift-Card Clip

Looking for a unique way to attach a gift card to a present? Use a brightly colored snap clip, and simply snap it onto the gift card and the ribbon. Guaranteed, no one else will secure his or her gift card in this way, and it can also be an added gift if it's particularly creative or interesting.

12. Create a Makeshift Clipboard

Don't have a clipboard handy, or one of those binder clips? Well, you can make a clipboard using a jaw clip and something like a thin, hardcover book, or even some sturdy cardboard. Lay the paper down, attach the jaw clip, and slide the pen inside. Simple.

13. Use a Snap Clip as a Screwdriver

If you're really in a pinch and need to unscrew something quickly, a snap clip can work. It will only be effective in a slot screw, and it will take longer than using a regular screwdriver, but it's definitely a MacGyver solution to a problem. They even make snap clips with screwdriver heads now!

14. Dress Up a Pair of Pumps or Flats

If you have a pair of plain shoes that could use a little flair, use hair clips. They can snap onto the front quite easily, and whether it's a sparkly hair clip, or one that features a button, it can create a new look that no one else will have.

15. Keep Socks Together

Socks. They have a habit of losing their partners, and you end up with a bunch of odd ones. Well, snap clips are a great way to stop this from happening. Simply place the snap over the top edges of the sock where the two pieces of fabric meet. This can even keep them together in the washing machine, if the snap clip is strong enough and water-resistant.

Any other clever uses for hair clips? Share with us in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Reasons You Should Really Fear an IRS Audit

Paul Michael — Fri, 15 Apr 2016 10:30:10 +0000

It's that time of year again. We all do our best to comply with the vast array of tax laws out there, while trying to get the deductions and rebates we're owed. But what if you make an honest mistake, or try to cheat the IRS, and get a dreaded audit? Is it really as bad as people say? Well… sometimes, it can be even worse, as these 10 reasons show.

1. The IRS Can Take Money Directly From Your Bank Account

Do not think, for one second, that the money in your bank account is safe and sound. The IRS has incredible power, and if they choose to do so, they can simply place a levy on your account and take your money. This happened to Joan Smith, a 52-year-old artist from Philadelphia. In 2010, she was preparing to go into the hospital for spinal surgery, when the IRS put a $10,000 tax lien on her account. This was, in fact, more money than she even had in the bank. And all because she did not receive an audit memo that was sent to the wrong address. It took her 11 months to dig herself out from that tax hole.

2. The IRS Now Has Six Years to Audit You

You may have been told that the IRS statute of limitations was three years from the date you filed your taxes. Not anymore. The IRS now has a series of exemptions that increase the amount of time they have to audit you. For example, if you omitted more than 25% of your income, the IRS can now hit you up six years after you filed. And, if you forgot to file certain forms, the IRS can audit you at any time in the future. Basically, 30 years from now, you could get a letter in the mail from the IRS. And if you no longer have records, you could be in trouble. Which brings us to our next point.

3. You'd Better Have Meticulous Records

If the IRS does come after you (and luckily, there's less than a 1% chance they will), they will want to examine certain records, receipts, proof of income, and anything else that may have triggered the audit. We all do our best to keep track of everything, filing it away in a safe place, and often storing copies electronically. But, if you lose some of those records, which can happen when you move, if you have a fire or burglary, or even by just misplacing them, you can wind up in real trouble. That big deduction you took for your home business? If there's no longer proof, then you can't have it. All that money you gave to charity? No receipts, no deduction. It really does pay to scan as much as you possibly can and store it on several hard drives and a cloud-based service. (See also: I Lost My Tax Documents… Now What?)

4. One Audit Can Lead to Another

So you get the dreaded audit notice. And in this case, it's not one that is handled by mail. You actually have to meet face-to-face with an auditor. Even if you are fully prepared, and have all your ducks in a row, you could say or do something that leads the IRS to audit more of your tax returns than the one in question. For instance, saying something like, "Well, I have taken that deduction before and it was fine," could lead the investigator to look into several returns, not just the one that has been flagged. In the case of an audit, you may want to look into getting some legal help.

5. Auditing Can Take Years — And Cost Thousands of Dollars

Don't think that an audit is simply a few weeks of gathering up paperwork and checking a few boxes. Audits can sometimes take years. Take the case of Tim and Tracey Kerin. Their accountant hadn't correctly evaluated their expense categories, which led to an audit. But, it didn't go smoothly. In fact, they ending up spending over 30 months battling the IRS to prove their innocence, spending over $95,000 in legal fees.

6. You Are Guilty Until Proven Innocent

Unlike the justice system, the IRS operates on the principle that if you have done something wrong on your tax return, you are guilty. You owe them money. You have to provide the paperwork to prove you are innocent, or you will face the full wrath of the system. If you cannot comply, you can literally wake up to find out your bank account has been frozen, and there's not much you can do about it.

7. If You Owe Money, the IRS Applies Penalties and Interest

So, you made a genuine mistake. You owe the IRS money. Well, you don't just owe them the unpaid taxes. You also have penalties to pay, and interest, too. As the IRS states on its website, the "penalty starts accruing the day after the tax filing due date, and will not exceed 25% of your unpaid taxes." That means if you owe $4,000, you may end up owing $5,000. Rather than incur the penalties from the IRS, find another way to pay, and get them their money quickly. You could arrange a home equity loan at a very low rate. Just get them their money, or the debt can really start to add up.

8. The IRS Can Garnish Your Wages and 401K

If you owe money, and don't have any way to pay back the sum of money owed, the IRS has the power to garnish your wages. Your employer has to comply fully with the IRS, and you will suddenly find your monthly paycheck has become smaller. Not only that, the IRS can also levy your retirement accounts, rental income, life insurance policies, or anything else of value. And this is all stated right there on the IRS website. This is a warning. If you have any doubts, ask Willie Nelson, Nicolas Cage, or Ja Rule.

9. The IRS Can Seize Anything of Value

One way or another, the IRS will get their money. If the audit reveals that you owe money, and you have no way to pay, then the IRS will start looking into your assets. If you own your vehicle, they can seize it, sell it, and apply the funds to your tax debt. Worse still, if the debt is large enough, they could actually take your home, sell it (they won't hold out for the best price), and apply that to your debt. If you do owe a large sum of money, you need to get professional advice. You do not want to be left homeless and penniless because of an IRS audit.

10. You Could Go to Prison

If worse comes to worst, you may actually find yourself behind bars. This is unlikely unless you are found guilty of major tax fraud and evasion, owing more than $100,000. But if it does happen, you have committed a federal crime and that can come with a hefty prison sentence; in some cases, up to five years. What's more, the fine could be as much as $250,000. Your whole life could be ruined, all because of a genuine mistake, an oversight, or because you put your trust in a bad accountant. When it comes to taxes, you do not want to mess around.

Do you have any IRS horror stories? Or any advice on how to deal with an audit? Please share your experiences in the comments.

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Negotiation Mistakes That Will Destroy Your Deal

Paul Michael — Mon, 04 Apr 2016 10:30:05 +0000

In any kind of bargaining situation, from million dollar property deals to purchases at a flea market, there are many pitfalls to avoid. What you say, and how you say it, can be the difference between walking away with a steal, or empty pockets. So before you make any more deals, make sure you steer clear of these 10 negotiating mistakes.

1. Waiting for Someone Else to Set the Price

It's one of the biggest mistakes in negotiating, and people continue to make it every single day. They believe that by waiting for the other person to speak, and say a price, they are putting themselves in a position of power. It's actually the complete opposite. By saying the price first, you are doing something called, "anchoring." For example, when looking at a new or used car, don't wait for the seller to set the price first. Come in low, and firm. You have now anchored the price you're negotiating over at a much lower place than the seller is comfortable with. He or she will raise it up, but you have set the bar.

It's a common tactic used in sale pricing. Set a high before-price, anchoring people to that. Then, drop the price by 50%. In reality, that lower price is actually the price the business wants for the item, but they are now making you believe you got a bargain. A full price $50 item will sell poorly compared to an identical $50 item that was originally marked as $100.

2. Showing Fear or Weakness

Sometimes striking a deal can be a scary prospect, especially on a big purchase like a home or car. However, as nervous or fearful as you are, you cannot let that play any part in negotiating. The salesperson is trained to smell that kind of fear, and will use it to his or her advantage.

So, whatever your stomach is doing, you need to have a calm, collected, and serious demeanor. Let the person know you're not to be messed with, by dropping a few hints about all the preparation you've done for this meeting. And when it comes time to talk hard numbers, do not show any kind of weakness either. Being stubborn may not be an admirable trait, but when it comes to the deal you want to make, stick to your guns. The old saying is true… give them an inch, they'll take a mile.

3. Signing Anything Without Reading It First

We have all signed agreements like the Apple terms and conditions, which appears to be about as long as War and Peace, without reading them. We know it's just not worth our time. But when involved in a negotiation, you must read over everything before signing. Never trust a salesperson at their word when it comes to contracts or binding agreements. You're signing something that could tie you up in knots for years, so make sure you know just what you're agreeing to.

If you need a professional to look it over, insist on that. Too often, someone will strike a verbal agreement, but sign one that is very different. Trust, in this case, is not going to cut it. Read it all, thoroughly, and ask questions at any time.

4. Not Doing Your Homework

When it comes to getting a great deal, you need to be prepared to put some time into researching it. Whether it's a new car, a home, a computer tablet, or even some fruit and veggies at the local farmers market, you cannot haggle blindfolded. If you try, you'll be uncovered as someone who doesn't know what they're talking about, and your deal will go nowhere. So, use the technology you have available to really dig deep. If it's a new car, find out exactly what the dealer paid for it, and what the typical "out the door" cost is. If you're at a farmers market, look around, and see what the prices are like at competing stalls. Does someone have a better deal on oranges? Can they match it, or beat it? Knowledge is power in any deal you are making.

5. Confusing Friendliness With Friendship

It doesn't matter if you are well-acquainted with the person you're dealing with, or they're a complete stranger. When it comes time to make the deal, amicability, charm, and kindness all confuse the issue. Salespeople, in particular, are trained to say and do things that make them appear like they're your best friend. They're not. They just want the sale, and they know quite well that they'll catch far more flies with honey than vinegar.

If you are caught in a bargaining situation and the other party is trying to say things that make you feel guilty about asking for something you want, it's time to regroup. A deal is a deal, and any kind of emotional blackmail or, "Hey, we're buds. Can you cut me some slack?" language has no place at the table.

6. Not Sticking to Limits

It happens at auctions all the time. People see something they have to have, whether it's on eBay or at a live auction. They say beforehand that "$1,000 is the highest I'll go," and yet when caught up in the heat of the bidding, they blow right through that limit and spend more than they can afford.

Setting limits is necessary to protect yourself in the bargaining arena. Before you enter it, you are calm and know the numbers well. Once in it, emotions can run high, and common sense gives way to pride or greed. Don't fall into that trap. If you can, bring cash to a live auction, and no other way to access funds. That means it's almost impossible to go over the limit you set.

7. Telling People What You're Ready to Spend

Never, ever give anyone that kind of information. Car dealerships rub their hands with glee whenever anyone says, "I'm willing to go up to $20,000." That information is something only you should know. As far as anyone else is concerned, you are willing to spend the least amount possible, and not one penny more. By giving out this information, you have given away your anchor. A slick negotiator can get you to go beyond that price with a, "Well hey, it's only $1,000 more, and it's such a good deal."

Now, what you can do is create a fake limit, and anchor the other party to that. You may be ready to spend $20,000, but set the max at $15,000. That's your top limit. When they get you to spend $16,000, they'll feel like they've won, and you know you were willing to spend $4,000 more.

8. Going for the Win

When two parties come together to discuss a deal, both want to win. Obviously, that cannot happen. The seller wants to get the most possible money, the buyer wants to pay the least. By obsessing over the win, you can lose sight of the ultimate goal — to get a deal. If you let the other party think they have won, when in fact you have come away from the table with everything you wanted, then you actually win.

What's more, if you try too hard to get every single thing you're asking for, you could blow the entire deal. So, know beforehand what you want out of the deal, rather than being greedy and taking it all.

9. Being Nice

While it may not be true that nice guys finish last, it can definitely apply in the deal-making process. Being warm and cordial is all well and good, but never be afraid to break away from that to show you mean business. You can laugh and smile all you want, but it's also okay to be stern, and say things that some may find abrasive or even rude. As long as you do everything in a civil way, there is nothing wrong with ditching the nice guy routine and playing hardball.

10. Showing Eagerness

"Oh I love this house. I love it, I love it, I love it. Let's make a deal." With a phrase like that — whether it's a home, a car, or a new TV — you're putting yourself in a position of weakness. You have just told your counterpart that you love what they're selling so much, you'll do anything to get it. They know this, and they'll use it to their advantage.

When faced with your dream home or car, never show those emotions to the seller. As far as they're concerned, you could go either way, and they'll really have to work hard to make a sale. And if it comes down to it, walk away. Get up from the negotiating table, and leave. You should never be afraid to let a deal go, no matter how much time you've invested. If it's not the deal for you, however much you love it, then you cannot go ahead.

What are your negotiation tips? Share with us in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Collectibles That Almost Always Become More Valuable

Paul Michael — Wed, 30 Mar 2016 10:00:07 +0000

Shows like Pawn Stars, Antiques Road Show, and American Pickers are popular because we all love to think we may have something valuable hiding in the basement or garage. Well, it's not just antique firearms, gold coins, and old paintings that rise in value. Here are 10 collectibles that you should be looking out for. They could easily make you a profit today, or some day in the future.

1. Sneakers

You may not know about the collectability of sneakers, but there is a massive resale market for them. In fact, people are trading sneakers much like they trade stocks, and values will only go up as time passes. Of course, not every sneaker is going to be a collectible. The ones you want to look out for are limited edition styles, most of them made by Nike. For instance, a brand new pair of original 1985 Nike Jordan 1 OG Bred cost just $65. Today, they are worth…$2,715! Every week, people will stand in line for hours, or even overnight, to grab a pair of Nike or Adidas sneakers, and can literally double or triple their money in seconds. But hold onto them, and the price will soar. Even gently used sneakers can earn big money.

2. Comic Books

There are scores of websites dedicated to the buying and selling of comic books. Some people invest in them in the same way they buy art, or even land. Of course, the vintage comic books in pristine condition will always be worth the most; Action Comics #1, published in 1938, sold for almost $1.4 million. However, don't think that old comics are the only ones worth collecting. A mint condition copy of The Walking Dead #1, published in 2003, can fetch you $11,000! When buying comics, even new releases, look for collectability. A #1 of anything will always be worth a lot. The first time a character is featured or introduced, that will also bag you more money. And if you see printing errors, grab it!

3. Board Games

Next time you see a stack of board games at Goodwill, or a garage sale, take a closer look. Some of them could be worth a small fortune. And, they don't have to be all that old, either. For instance, a board game called Star Wars: The Queen's Gambit is currently changing hands for between $300–$1,000, depending on condition. Most of the time, the board games that rise, and rise, are the ones that are either limited edition, or based on a cult TV show, movie, or even an amusement park ride. Another big seller is Disney's Haunted Mansion, released between 1972 and 1975. It will net you a cool $250 if you find one, and will be an investment if you hang onto it. Many current board games will also rise, too. Just keep them sealed, and in a safe place.

4. Not-So-Vintage Books

If you're a big reader, it's possible you have some hidden treasures on your bookshelf. Vintage books, especially first printings, can be very valuable. But they don't have to 18th or 19th century to be valuable. The Pulitzer Prize-winning novel A Confederacy of Dunces, by John Kennedy Toole, is one such example. First published in 1980, at a small run of only 2,500 copies, this original printing will currently bag you up to $4,000.

5. Video Games

Sadly, your typical Xbox One or PS4 game is not going to rise in value. Quite the opposite, in fact. But many video games from the 80s and 90s continue to be worth more and more. And this is not chump change, either. Stadium Events, by Bandai, was released in 1987. But it was pulled shortly after, and destroyed for marketing reasons. However, 200 had been sold. If you ever find one, it can be worth over $40,000! The box alone is worth $10,000. Games from the 90s that are rising in value include Super Copa, and Nintendo Campus Challenge.

6. Hot Wheels Vehicles

Like anything else on this list, but especially with toys, the condition and rarity is a factor. No one is going to give you heaps of dough for a beat up Hot Wheels car that everyone owns. BUT, if you keep them in the package (which is tough for kids to do), and hold onto them, you'll see a nice return on your money. If you're really lucky, your Hot Wheels car can be worth more than an actual car. Take this pink Volkswagen 1969 Rear-Load Beach Bomb — valued at $100,000!

7. Maps

You already know why these will become valuable. As technology has advanced, and become fairly cheap, GPS maps are everywhere. You don't even need an actual GPS unit, like a TomTom or Garmin anymore. Your phone gets you wherever you need to go. So, maps are becoming extinct. And extinct means money. A site called Old Maps is a handy research tool that can let you know how valuable the maps you own are. And if they're not all that valuable now, give them 10–20 years. That foldable map of your city, or an old atlas collecting dust on a shelf, is only going to rise in value.

8. Vinyl Records

Who would have thought that vinyl would make a comeback? When CDs, MiniDiscs, and then MP3s came along, vinyl was suddenly cumbersome and annoying. But purists emphatically stood by LPs, citing their superior sound quality. Now, they're back, and getting more popular all the time. Your old vinyl collection almost certainly has a few gems in it. And new releases will rise in value over the coming years, especially limited edition pressings. Treat your vinyl well. Buy plastic vinyl sleeves to protect the art. Show the kids how to treat your vinyl with respect. It will pay off. Oh, and whatever you use to play that vinyl on, that could very easily become a valuable collectible, too.

9. Postage Stamps

Stamp collecting is something most of us know about, but consider to be something of a nerdy hobby. However, get past the name and you will uncover a world of diverse and beautiful art from around the globe. Stamps can be bought for pennies, and will almost always rise in value as the years go by; especially if they are not cancelled, and you keep them in mint condition. Over 10,000 stamps are issued around the world each year, so collecting every single one would be expensive, and take up lots of space. Focus on specific countries, or themes, and create albums. If you get lucky, you may buy a bag of assorted stamps that contains a million-dollar treasure.

10. Disney and McDonald's Items

There are many franchised collectibles that will rise in value, but these two are the most consistent, and easy to come by. Toys from McDonald's Happy Meals can fetch many thousands of dollars. There are collectibles guides and websites devoted to them, so when you buy a Happy Meal, consider purchasing an extra toy to keep in the bag.

And then there's Disney. It's beloved by everyone, and when it releases anything, from toys and stuffed animals, to plates, posters, and jewelry, it has the chance to rise in value meteorically. Pay particular attention to the limited edition snow globes. Buy one now, you will be able to sell it for many times the retail price in a few years.

Have any collections? What are they worth?

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 Tech Gadgets With the Best Resale Value

Paul Michael — Tue, 29 Mar 2016 10:30:06 +0000

We all know the story with technology. By the time you've opened the box, it's already out of date. As advances quickly move the latest and greatest tech gadgets into the "out of date" category, it's hard to know what to buy, and how much to spend.

But, some tech gadgets are a better investment than others, holding their value well. So when the time does come to upgrade, these eight gadgets will still be worth a tidy sum.

1. Beats by Dre

They are not the best headphones on the market. To be honest, they're not even close to being the best, as far as technical specs are concerned. But when it comes to holding their value, Beats are up there with the biggest and best studio headphones on the market. The reason is simple — people want them. They have a certain "street cred" that seems to be bullet-proof, and they also look pretty cool.

You could pay up to $300 for a pair of Beats Studio Wireless headphones, brand new. The same make and model, used, will sell for close to the same price on eBay. That's not a big depreciation at all, especially for tech you actually wear. And if you buy limited edition models, they can actually go up in value.

But to be clear, if you want a pair of good headphones that also hold their value, choose Sennheiser.

2. Apple iPad

It was the first tablet to take the gadget world by storm. It's still the tablet most people gravitate to, and it doesn't look like that will change anytime soon. The Apple iPad came along in April of 2010, and after a small adjustment period (what is that thing and what does it do?), everyone was hooked. There have been many different types of iPad and competitor tablets released since, but it's the iPad that holds its value well.

Now, if you have one of the first 2010 models, it won't get you much money used, as the tech is too dated. But more recent ones, you'll have no trouble reselling them for a good chunk of money. For example, a new iPad Air 2 with 64GB is over $600 after tax. The same one, used, is going for over $500 on eBay. Just remember, condition is everything, and original packaging makes a world of difference.

3. Game Consoles (Newer Models)

I was in the market for a Playstation 3 recently, and I figured I would be able to pick up a used one for $50 on Craigslist. Nope. A used one, with just one controller, was $100. Throw in more controllers and games, and you can expect to pay almost as much as a new one. Likewise, the Xbox 360, used, was fetching a tidy sum on Craigslist and eBay as well.

If you take care of your consoles, keep the original box, and keep the games in great condition, you can expect the value of your gaming console to hold for quite a while. What's more, older consoles are making a comeback. An original NES system can easily fetch over $100, and some of the games are worth thousands.

3. Apple iPhone

Another one for Apple, and not surprisingly it's their flagship product. The iPhone is not even 10 years old yet (it was launched in 2007), but it has absolutely changed the way we all interact with the online world. And although Android phones are now surpassing iPhones in sales, they are not touching them when it comes to resale values. Do a quick search on eBay for completed listings and you'll see most iPhone 5 models are selling for around $200 (that's around half the price of a new 5s). If it's gold, quadruple that price. Even the original, clunky iPhone has value. In its box, you can get $80–$100 for it. If it's factory sealed…thousands.

4. Vintage Audio Equipment

If you want to get a tech gadget that will really hold its value well, don't buy new. Buy vintage. Right now, the comeback of vinyl means that a good record player (think Technics, NAD, Thoren) will not only be worth every penny, it will also hold its value for years. Or, in the case of designer models, rise significantly.

What's more, you can still pick up great amplifiers, tape decks, turntables, and speakers for pennies on the dollar; especially if you know just what to look for in the thrift stores and garage sales. I recently picked up a Technics turntable for $15, in the original box, which is already worth over $100 on eBay. Not that I'm selling it! And after Eminem announced the re-release of his Slim Shady album on cassette, you can guarantee tape decks will be next to rocket in value. Grab one cheap while you can.

5. Fitbit Surge

Actually, a lot of wearable tech is holding its value well, including smartwatches and fitness trackers. The Fitbit Surge is definitely up there as one of the best for holding value. Right now, a new FitBit Surge can set you back between $220–$250, while used ones are coming in at around the $150 mark. The reason, other than the sleek design and usability, is the onboard GPS tracking software. Not only can you chart distance and pace, but even elevation.

6. Google Chromecast

This is a no-brainer, as it's so affordable to begin with. But if you like buying products that hold their value, this is up there with Apple products. A new Chromecast will cost you $35 from most online retailers, and often it comes with Google Play credits. If you look up used ones on eBay or Craigslist, you'll see them priced between $20–$25, depending on condition, original box, and so on. It's an incredible useful little piece of tech, and the simplicity it takes to set up and use makes it an easy item to resell later.

7. Apple Watch

Third time's a charm for Apple, who continue to have a massive fanbase despite not producing a significant innovation for years. But whatever the current state of Apple's product line, its products continue to hold their value, and the Apple Watch (shouldn't that be iWatch, or it that way too creepy?) is no exception.

A new Apple Watch will cost you anywhere from $350–$12,000 (that's the 18K gold edition), while a used Apple Watch will sell for anywhere from to $130 to $15,000! Clearly some people have money to burn.

Recognize any of your gadgets in this list?

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

The Real World Salaries of 8 Childhood Dream Jobs

Paul Michael — Mon, 28 Mar 2016 10:30:05 +0000

When we were kids, we all dreamed of being something special when we grew up. Flying to an international space station as an astronaut; selling out Madison Square Garden as the lead singer of a rock band; or even becoming President. But what do these jobs really pay, and why were we so attracted to them as kids?

1. Astronaut

Salary: $65,140 to $100,701

It may be a career filled with danger and poor working conditions, but the compensation doesn't really reflect that. NASA's own website lists the salary information as follows:

"Salaries for civilian Astronaut Candidates are based on the Federal Government's General Schedule pay scale for grades GS-12 through GS-13. Each person's grade is determined according to his/her academic achievements and experience. Currently, a GS-12 starts at $65,140 per year and a GS-13 can earn up to $100,701 per year."

It takes only two years of training to become a qualified astronaut, and although as children, we think it will be an amazing job, it's actually a little more pedestrian than that. Oh, and the hours are long — typically from 6 a.m. to 9:30 p.m. We dream of flying into space, looking down on Earth, and doing jobs that will change the world. In reality, the daily tasks of an astronaut in space include exercising at least 2.5 hours per day, making detailed observations about the planet, studying humans in isolation, and doing a host of other small scientific experiments that could be considered boring homework, or infinitely fascinating — depending on your interests.

2. Rock Star

Salary: $17,667 to $202,903

As kids, the rock star lifestyle is one of those dreams that seems to have it all: money, fame, glamour, power, and freedom from the 9-to-5 grind. It's traveling the world, doing a couple of hours of work a day, and partying the rest of the time.

In reality, most rock performers are either scraping by on a small salary made from gigging, or are supporting their musical career with another job. Payscale places the median annual salary of a rock singer, or musician, at just $37,899. And that's not taking into account those years of living in a van, eating ramen, and touring small clubs.

Now, obviously some performers make millions of dollars every year. But make no mistake, they are the exception to the rule. Rock star status is almost impossible to achieve, and even before it happens, there will be years spent earning low wages on grueling schedules. It's a long hike to even mediocre success, requiring a lot of practicing, weekend and evening work, and years spent sleeping in low-end motels.

3. Pilot

Salary: $31,022 to $173,627

Payscale confirms quite a wide range for the salary of a commercial airline pilot. The median salary comes in at $63,738, which definitely seems low for the kind of esteem this job has always held. As a kid, hearing someone say they were a pilot, well that was like saying they were an astronaut. They fly huge planes across the world — how cool is that?!

Well, it's cool, but it is not all wine and roses. Commercial pilots never have a straight 9-to-5 job, and often work weeks at a time without a day off, keeping bizarre hours. After years of training, they must be able to respond under great pressure. But, on a long-haul flight, things can get pretty dull and tedious.

On the other hand, there's the other kind of pilot: the fighter pilot — like the ones we saw in movies like Top Gun and Iron Eagle. That comes with more training, more pressure, and yet, even less money. After 11 years as a fighter pilot, you can only expect to earn $90,000. However, AOL recently reported that fighter pilots are getting a $225,000 signing bonus due to a shortage of talent.

4. Doctor

Salary: $60,016 to $220,873

There are many kinds of doctors out there, and some kids will often say, "brain surgeon" or "plastic surgeon" when asked which they'd prefer to become. Kids are drawn to this position for the "superhero" persona it has. Doctors save lives. They can change the world for the better.

That's an attractive proposition for any kid.

Using Payscale's results for a general practitioner, you can see a large array of salaries. The median is around $141,000, but what so few kids ever take into account is the cost — in time and money — of getting to that position.

A few years ago, CBS news reported on the extreme debt that graduating doctors find themselves in. An average of almost $177,000 in student loans will cost over $419,000 to repay over 30 years. It takes many years of school and college to get the required qualifications, and that is followed by a residency. Most doctors are in their 30s before that can become independent physicians.

5. Firefighter

Salary: $25,913 to $73,125

As everyday heroes go, firefighter is up there at the top of the list. Firefighters are brave, heroic, strong, selfless, and they save lives. To this day, it's still one of the most popular costumes for young children at Halloween. And let's not gloss over the attraction people feel when the mere mention of firefighter comes up. They have their own calendars, and sex appeal is a serious plus to this career.

Of course, there is more to life as a firefighter than the heroics. When not answering the call, firefighters will spend a lot of time checking and cleaning equipment, and the station itself. School visits are common, plus firefighters are continually training. Working out in the gym is also essential, as firefighters need to be strong for those rescues. And let's not forget, this is a dangerous job. In fact, 64 firefighters died in the line of duty in 2014. For a median salary of only $44,078, this is one job people do not do for the money.

6. Veterinarian

Salary: $50,476 to $109,252

Kids love animals, so it's no surprise that many children want to help them out when they're sick. Being a vet is a chance for kids to spend more time with animals, coming to their rescue, and being the hero. But what does it really entail, to earn that median salary of $72,709?

Well, it's a challenging job to say the least. Sometimes vets have to deal with horrendous injuries caused by neglect and that can be emotionally difficult. It's a job that can often go beyond the usual office hours, because animals don't always need help at convenient times. Plus, there is the need to constantly keep up with the latest techniques and medicines. But, for all of those challenges, it is said to be a very rewarding career.

7. Actor/Actress

Salary: $20,040 to $209,525

The fame. The fortune. The parties. The luxurious lifestyle. And all for doing what you love — which is essentially being paid to play pretend. It sounds too good to be true. And sadly, for most people who go into the acting profession, it is. The median income for an actor working in the US today is just $48,237. Not only that, but it's a career filled with rejection and disappointment.

Actors are constantly auditioning for roles, often competing with 20 or 30 other people for just one part. In the UK, only one in 50 actors makes more than £20,000 per year. Most are living below the poverty line. It's estimated that at any one time, 95% of actors are actively looking for work, with most getting side jobs in order to make ends meet. However, for those with luck on their side, as well as talent, there is a path to fortune and glory.

8. Police Officer

Salary: $30,897 to $81,653

Another heroic symbol for children of all ages, the police officer represents truth, justice, and the American way. Kids love dressing up as police officers, dealing with the bad guys, and chasing criminals who will never get away with it.

In reality, it's a tough, dangerous job; and as Payscale reports, it does not compensate well for that perilous lifestyle. The median income of a U.S. police officer is only $48,815. When not chasing criminals, police officers also have to deal with the other side of law enforcement: the mundane side. From speeding tickets and domestic calls, to hours of paperwork, it is not the glamorous job depicted in so many movies. Thankfully, there are enough kids fulfilling their childhood dream of becoming a cop, and thereby, are keeping the peace for us all.

What was your dream career when you were a kid? Share with us in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Simple Household Repairs Every Frugal Person Should Master

Paul Michael — Fri, 25 Mar 2016 10:00:16 +0000

Whether you're a homeowner or a renter, sooner or later, something is going to break. And when that time comes, you'll have two options: fix it yourself, or get someone else to fix it. The latter usually costs money — unless you happen to know someone who'll help for free — and yet, so many of these repairs require minimal skill and effort to get the job done. Here are 10 of the easiest household repairs every frugal person should have under their belt.

1. Changing a Faucet Washer

Drip. Drip. Drip. It can be the annoying sound that wakes you up at night, or one that constantly bothers you in the kitchen. You have a leaky faucet. The most likely cause of that leak is a worn washer, and they are very easy to replace. No need to call a plumber, because all you need are a few basic tools and a new washer.

Turn off the water supply, remove the faucet cap, unscrew the handle, and unscrew the nut. You'll reveal the valve stem, which you remove, and voila… the old washer is revealed. Replace it, and then do everything in reverse. Here's an instructional video that explains a basic washer change in just a few minutes. You'll save water, and a lot of money on a plumbing charge.

2. Replacing a Furnace Filter

It's amazing that some people still hire someone to come and replace the filter on their furnace. This is literally a job that takes less than a minute to do, and anyone can do it. What you need to do is find the correct size of filter, which will be written somewhere on the furnace. When you have the dimensions, you can go to a hardware store for replacements or order online. Don't go for the cheapest type; you want one that traps not just dirt, but allergens and other air hazards. Remove the furnace door — this will almost always deactivate the furnace, but if not, turn it off at the switch. Slide out the dirty filter, and replace it with the new one, making sure to insert it with the arrows pointing in the direction of the airflow. Then, close up the furnace. It's that easy.

3. Unblocking a Drain

So, simple blocked drains on sinks are easy to unclog. Get out the plunger, and go to work. It should clear in seconds. If it doesn't, don't run to the phone to call a plumber, because 99% of the time, you can do this yourself. There are various tools available for this, including snakes, liquid plumber, and even wire coathangers. In all instances, most of these clogs or blocks are caused by old hair, debris, grease, and food. So, you may want to invest in a pair of rubber gloves. Here are a few videos showing some basic drain unblocking; clearing the trap; using a snake. (See also: 10 Really Easy Ways to Unclog Drains)

4. Painting a Room

Some home repair jobs can actually be a lot of fun, and this is one of them. Painting a room, especially a kid's room or playroom, can be creative and fulfilling. But whether it's a bedroom, living room, or kitchen, you'll need some basic tools and a few tips before you start. Get a variety of paintbrushes; you'll need some for small, fiddly areas, others for big areas like doors and walls. You will also need a paint roller and tray, or a paint pad. Plus, dropcloths, painter's tape (Frog is excellent), paint, a stepladder, and some clothes you don't mind getting dirty. Make sure to block off any areas you don't want paint to land on — including the ceiling lines, window trim, door frames, and baseboards. Paint around those areas first, then fill in with your roller or paint pad. You will usually need to do two coats, and maybe more if a light color is going over a dark one.

5. Changing the Locks

Walk down the Locks and Doors aisle in any hardware store and you'll be greeted with a plethora of different options. You have so many choices here, and it takes very little time to change out a door lock. (However, installing a lock from scratch is a lot more involved). The hardest part of all this is making sure you get the right replacement lock to fit the one you're swapping out. Take a look at it first, remove it, take photos, write down model numbers, etc. Take that information to the hardware store, and they can guide you to the correct one. Then, with just a few screws, and you're good to go.

6. Sewing

Never let it be said that sewing is a hobby. It's something we should all know how to do, because it can save us a lot of money on clothing and other repairs around the home. From torn curtains and sofa cushions, to holes in jeans and shirts, some basic sewing repair skills are essential. You don't need to be a master tailor, but having a grasp on the basics — such as sewing on a button, darning a sock, or patching jeans — will really help you out in the long run. You don't even need a sewing machine. Just a very simple sewing kit will do, for under $10.

7. Unclogging the Garbage Disposal

You flick the switch, and you hear one of two things: complete silence, or a faint buzz. Either way, it's not the growl of the motor and the blades that you were expecting. When this happens, your garbage disposal is clogged. You may be tempted to call a plumber, who will either fix it for you, or suggest an often unnecessary replacement. But this is a job you can do easily yourself.

First, it may have stopped working due to a jam. Unplug it, and reach in there to see if something is stopping the blades. Fish it out, if that's the case. If not, you will still want to go underneath the disposal and turn the blades using the Allen wrench that came with it. After turning it several times, you should feel the blades loosen. Hit the reset button on the base, plug it back in, and hit the main switch. Your disposal should now be working again.

8. Replacing Screen Door Mesh

So many people I have talked to, including family members, have bought a new screen door when the mesh has ripped or worn out. This is a huge waste of money. If the screen door itself is in great condition, you only need to replace the mesh, and that's a job most people can do in less than 30 minutes. You'll need to buy replacement screen mesh and a screen door spline roller. The pair will cost between $20-$30 depending on the store you buy them at, and the type of screen mesh you opt for. The hardest part is actually removing the screen door from the track. Once that's done, you remove the old rubber cord and mesh, place the new one on the door, roll in the new rubber cord, and trim the excess. It's that simple.

9. Recaulking Sinks and Tubs

Over time, the caulk surrounding bathtubs and sinks will need to be replaced. Sometimes it gets discolored or moldy. Sometimes, it can actually begin to peel away, and start causing issues with leaks or water damage. In that case, you need to replace the caulk. And the good news is, it's really easy.

All you need is a caulking gun and caulk, which comes in a wide variety of colors and types. Talk to an expert in your hardware store about your needs. Clear out any of the old caulk, which can be done using a Stanley knife and a scraping tool. Make sure the area to be caulked is clean and dry. Then, apply a thin bead using the caulking gun, and with a wet finger, swipe away the excess to form a beautiful new seal.

10. Banishing Squeaks

Squeaky doors, windows, stairs, and floorboards are more an annoyance than anything else, but they don't have to be. They are usually a very simple fix. For squeaking doors and windows, some spray lube, WD-40, or white lithium grease will usually eliminate the problem. If none of those are available, even a little olive oil or Vaseline can work. You are simply looking for a way to reduce the friction. For floorboards, it's a little more involved. Most of the time, it happens because the floorboard has raised up from the main floor joists or the subfloor. In that case, a shim can eliminate that gap, and thus, the squeak.

What other home repair should every frugal person learn? Let us know in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Household Tools Every Frugal Homeowner Should Own

Paul Michael — Wed, 16 Mar 2016 10:30:10 +0000

If you have a home, you need a tool kit. It's an essential for any household. But what to put in it?

Well, the good news is you can get by with just essential 10 items. You will of course need more tools as time goes by, but this list is a great starting point. (Oh, and you will need a sturdy toolbox to store them all. You can find used ones for cheap, or even free, on Craigslist. Or try your local thrift store.)

1. Multi-Bit Screwdriver

There are many variations of the multi-bit screwdriver. On the cheaper end, the bits come in a separate holder or case. You can also find ones called "auto-loaders" that contain at least six different varieties of bit. You want one that fits both Phillips head and slot head screws. With this one tool, you have a starter set of screwdrivers that will work for most jobs around the home. (See also: 10 Easy Plumbing Repairs That Don't Require a Plumber)

2. Power Drill (Go Cordless)

There are so many different jobs around the home that require a power drill, so your frugal tool kit should include one. If you want to save the most money and have something much more handy, go with a cordless drill. They don't have as much power as an equivalently-priced corded drill, but for everyday needs, they're just fine. Ideally, get a good, refurbished brand rather than a cheap new one. DeWalt or Makita are reliable, and will last you many years. This will definitely be the most expensive tool you buy in this kit, but it's worth it. You will also need a variety of drill bits. Luckily, many drills come with a starter selection.

3. Claw Hammer

There are several types of hammer available to the DIY enthusiast. A ball peen hammer, a tack hammer, a club hammer, and even a sledgehammer. But for the basic, frugal tool kit, your best bet is a claw hammer. Its two uses, driving in and removing nails, are ideal. When you get into more specific tasks, other hammers for specific jobs are much better, but for a starter kit, the basic claw hammer is just fine.

4. Adjustable Wrench

The key word here is adjustable. As you're building a frugal tool kit, you want your tools to have as many uses as possible, whenever possible. The adjustable wrench can fit a wide variety of nuts and bolts, and is therefore perfect for your kit. Buy a wrench that is big enough to cover a large array of sizes, without being so big that it will be cumbersome on smaller nuts and bolts. Anywhere from eight to 12 inches is good.

5. Retractable Tape Measure

You probably know this as the Stanley Measuring Tape, but they are available from many different manufacturers. However, Stanley has been making these for decades, and they're very good at it. In particular, the PowerLock model is a great tape measure for having around the house. They're available in many different sizes, but for the minimal price difference, go for the 25'x1" model. It's sturdy, long enough to cover most jobs, and very reliable.

6. Needlenose Pliers (AKA Long Nose Pliers)

Again, there are so many different types of pliers available on the market, all doing slightly different jobs. For the frugal starter kit, you are better off going with a pair of sturdy needle-nose pliers. We're looking for tools with more than one function, and these include a wire-stripping tool whilst also having a long reach and the ability to twist small wires and objects. When you start building up your kit, you can add locking and adjustable pliers. But for the basic kit, these will serve you well. Stanley's eight-inch long nose pliers are solid, and usually sell for under $10.

7. Retractable Utility Knife

Just like the tape measure, Stanley has also become synonymous with the utility knife. In fact, many professionals and amateurs still refer to it as the Stanley Knife. You will need a sharp knife for a countless array of DIY jobs, whether it's cutting carpet or vinyl tile, to wallpaper, wood veneer, or even sharpening a pencil. With a good retractable knife, you have safety as well as versatility, with a variety of different blades on the market available.

8. Hacksaw

There will be more than a few DIY experts screaming "No!" at this next statement, and I would usually concur — but this is a frugal toolkit, after all. Instead of buying a wood saw and a hacksaw, simply buy the hacksaw and use it for both purposes. There. I said it. If you only have the money for one saw, a hacksaw is at least multi-functional. It cuts through metal and plastic beautifully. It can also cut wood, although it's inefficient, slow, and clogs the small teeth — but, it will do it. Try cutting metal with a wood saw and see how far you get. There are several different blades available, so if you do need to cut wood, opt for blades with the fewer teeth per inch. For instance, 14 will perform way better than 32.

9. Level (AKA Spirit Level, Bubble Level)

For so many jobs around the house, you will need to make sure something is straight, or level. This is why a level is an essential part of your toolkit. They come in various sizes, from as small as three inches, all the way up to several feet. For your purposes, anything from nine inches to three feet is a good bet. Make sure your level has three different bubbles inside, for vertical, horizontal, and 45 degrees. If you really don't want to spring for a level, and have a smartphone, you can find an assortment of free level apps. The phone is not as good, but it's better than nothing at all.

10. Rechargeable Flashlight

Finally, the flashlight. When the lights go out, or the fuses blow, you'll need a flashlight. When there's a leak in the corner of the basement, you'll need a flashlight. When there's a wiring issue under the counter, you'll need a flashlight. Basically, without a flashlight, you'll be groping around in the dark, and that's not safe at all. Now, regular flashlights are fine, but most people will tell you — the batteries die at the worst possible time. So, go with a rechargeable one. They stay plugged in, and are ready to go whenever. Plus, they're affordable, starting at around $10.

What would you include in a basic frugal tool kit?

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 Brands That Came Back From the Dead

Paul Michael — Mon, 14 Mar 2016 10:30:05 +0000

Some people call them "zombie brands." Others simply say they are brands that "bounced back." But whatever you call them, you cannot write off any brand these days. What was once dead in the water can come back in the most impressive way, thanks to new investors or even online petitions.

Most recently, Circuit City announced a new line of stores and a new website. But who else has made that jump? Here are eight brands that were either dead or dying and suddenly found a new pulse.

1. Twinkies

The little snack cake with the creamy filling has been part of American pop culture since its introduction in 1930. Made by Hostess, the cakes appeared in movies ranging from Die Hard to Ghostbusters ("That's a big Twinkie") and most recently appeared in the excellent Zombieland.

But despite a cheap price tag, massive brand recognition, and let's face it, the tastiness of the sugary treat, it was hit hard by the healthy-eating craze. Twinkies were little time bombs waiting to clog your arteries and make you fat. Or at least, that's what the anti-junk food brigade was saying. Twinkies sales dropped 20% in 2011, and by the beginning of 2012, Hostess filed for bankruptcy. Twinkies were off the store shelves by the end of November that year, to great public outcry. In March 2013, they were acquired for $410 million and production on Twinkies was ramped up. And on July 15, 2013, after roughly seven months away, Twinkies returned to grocery stores everywhere. Now, they have a shelf life of 45 days, compared to the original 26 days. It makes you wonder… what do they put in them?

2. Old Spice

For the longest time, Old Spice was associated with that dude surfing the waves, while an attractive blonde lady patiently waited for him. It was cheesy, and it stayed stuck in the past. Old Spice was a joke. It was your dad's, or even your grandfather's, cheap after shave. You bought it for people as a goof, and it had about as much street cred as Payless sneakers.

Then, in February 2010, Old Spice introduced "The Man Your Man Could Smell Like." Almost overnight, Old Spice became the talk of the water coolers. Everyone thought the ad was cool. It was followed by more bizarreness, including crazy ads featuring Terry Crews. This, along with a complete overhaul of the packaging, and a new range of scents brought Old Spice back from the dead. It's a hit with the younger audience, and it is no longer an embarrassment to purchase. Right now, OId Spice is the top selling men's body wash on the market.

3. CBS

Once a powerhouse of broadcasting, CBS fell into a deep funk in the late '80s and early '90s. This was a network that was pushing out TV for older and more traditional audiences, including titles like Murder, She Wrote, Falcon Crest, Diagnosis: Murder, Dallas, Dr. Quinn: Medicine Woman, and Major Dad. This was not a lineup that young people were interested in, and it showed.

In the mid–'90s, CBS was dead last in the network ratings, and something had to change. Les Moonves was brought on to CBS from Warner Bros. TV — where he had greenlit Friends — and immediately started programming for a much younger crowd. Some of the shows that came out of this shake-up include the CSI (Crime Scene Investigation) series, Survivor (a massive hit for CBS), NCIS, Without a Trace, and Cold Case. It has regained its place in pop culture relevance, and continues to dominate the ratings game with shows like The Big Bang Theory and 2 Broke Girls.

4. Marvel

With movies like The Avengers, Iron Man, X-Men and more, it's hard to believe that Marvel was ever in trouble. But back in 1996, Marvel actually filed for bankruptcy. Marvel had not yet committed to making its own movies featuring its iconic heroes, but instead licensed several of the characters (Spider-Man the most notable) to other studios.

Marvel execs realized that their hottest properties were not the comic books, but the stars of them. And so Marvel Studios was born, and with it, a fantastic strategy; make a bunch of hero movies that will lead to The Avengers. Iron Man was a huge success, and other titles like Thor, Captain America: The First Avenger, and The Incredible Hulk weaved the stories together beautifully. Now, with some of the most successful movies ever made, massive merchandising, and more big movies in the works, Marvel has become one of the biggest entertainment companies in the world.

5. Kodak

The rise of digital photography must have been a nightmare for the people working at Kodak. Known primarily as the supplier of film for cameras, they were quickly becoming obsolete. Once film cameras bit the dust for everyone except a few dedicated professionals, Kodak was destined for the grave. And in 2012, after years of struggling and amassing large debts, Kodak filed for bankruptcy.

Clearly, a major restructuring and focus was needed. Over the next few years, Kodak did just that, becoming a tech company focused on "imaging for business." Recently, Kodak debuted its Super 8 camera at CES, winning several awards, and has ignited new interest from younger people who want to get into filmmaking — with actual film. Don't be surprised if you see Kodak really take off in new and different directions over the next few years.

6. Lego

It's fair to say Lego never really died, but it was definitely put on the back burner for a long time. Lego was simple; a box of building bricks that you could make things with. The idea was always the same — Lego was as much fun as your imagination could handle. However, there was a problem. Video games were becoming the biggest draw for kids and adults alike, and the physical Lego sets were just not selling very well. In fact, by 2003 Lego sales had dropped over 35% in the U.S. alone. Something had to be done.

In 2004, the CEO of Lego instigated a massive shift in focus. Seeing the popularity of video games, Lego got in on licensing deals with enormous franchises like Star Wars and Toy Story. It also started making cartoons, and crossover between film/TV and physical play sets caught on in a big way. Now, Lego is everywhere. From Marvel Super Heroes games on the XBOX One and PS4, to The Lego Movie, hundreds of franchised game sets, clothing, and so much more, Lego is a powerhouse brand.

7. Sharper Image

As you wandered through the mall on a lazy weekend, Sharper Image was a store you could rely on for a break from the norm. Filled with gadgets and gizmos that you never knew existed, or wanted, Sharper Image was like a toy store for adults. Everything from back massagers and heated shaving cream dispensers were on offer, for a price.

As it turns out, that price was too much for most of us to swallow. The sluggish economy meant that the life-enhancing products at Sharper Image were off the shopping list. By 2008, following years of declining sales, all Sharper Image locations were closed after the company filed for bankruptcy. Now, while there are no plans in the works to bring back Sharper Image stores, the products and the brand have been revived online. After being bought first by the Camelot Venture Group, and then Iconix Brand Group, Sharper Image has a presence online. You can go to their site and buy all those handy, dandy products as gifts. Or even, for yourself!

8. The Muppets

Let's face it. With the exception of a few highlights (notably The Muppet Christmas Carol and Muppet Treasure Island), Jim Henson's greatest creations had their heyday in the '70s. The Muppet Show was huge. It was a primetime show, featuring some of the biggest stars of TV, film, and music. But that ended in 1981, and after a few big movies, the Muppets franchise suffered a huge loss with the untimely death of Jim Henson in 1990. A TV show emerged in 1996 called Muppets Tonight, introducing new characters but not really capturing the essence of the original show. It was weak, and short-lived.

The Muppets spent many years floundering, and were acquired by Disney in 2004. But their big revival came in 2008, with the hit movie The Muppets breathing new life back into the beloved characters. Written by Jason Segel and Nicholas Stoller, the movie took a lot of jabs at the history of the Muppets, and was firmly tongue-in-cheek. Audiences loved it. Another movie followed, Muppets Most Wanted, featuring Ricky Gervais and Tina Fey. And the new TV series, The Muppets, aired in September of 2015 to rave reviews. The Muppets were definitely on the canvas for a while, but they got back up in style, and are now relevant to new audiences everywhere.

Any other zombie brands we missed? Let us know in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Great Jobs for People Who Hate the 9-5

Paul Michael — Fri, 11 Mar 2016 10:00:12 +0000

Many of us work a 9-5 (or, let's be honest, 8-6) job. We do the commute, bring work home with us, and work through lunch on occasion. It's fairly regimented. But some people just don't want that — and maybe you're one of them. For you, a 9-5 routine is not a great fit. Maybe you like to work earlier, or later, or only work specific days of the week. Well, there are many jobs available for someone with those needs. Here are 10 jobs for night owls, wanderers, and other free spirits, that don't abide by the rigid 9-5. (See also: 11 Freelance Jobs That Pay Surprisingly Well)

1. Voice-Over Artist

If anyone has ever told you that your voice is wonderful, or you have "a voice made for radio," then you should seriously consider becoming a voice-over artist. The job is just as it sounds — you are literally putting your voice over something, be it a commercial, a documentary, a movie, a trailer, a cartoon, or even the end titles of infomercials.

As a voice-over artist, you will be required to read scripts and provide several different takes, doing so until the producer of the piece is completely satisfied. You may have to sound happy in one take, sad in another. You may also have to memorize dialogue. But, if you have the acting chops, aren't shy, and want a career that is constantly surprising you, voice-over work could be just the ticket.

2. Groundskeeper

Anyone with a green thumb and a love of the outdoors should consider working as a groundskeeper. Typically, the job will involve mowing grass, trimming hedges and bushes, planting flowers, pulling weeds, watering, pest control, and other general maintenance. It can be done in places like public parks, golf courses, and sporting grounds, or private institutions, businesses, and the homes of those with grounds too big to handle personally. Many wealthy actors, business owners, and athletes employ groundskeepers for their estates.

3. Massage Therapist

Let's be clear, you can't just think you're good at giving massages and become a massage therapist. You will need to complete a post-secondary massage training program, and put in over 500 hours of practical experience before you can actually start doing this professionally. You will also need a license. But once you've attained that, then you can expect to set your own hours, travel a lot if you don't have a studio, and meet a wide variety of interesting people. If you are worried about getting regular work, then you can consider working for one of the massage therapy chains, which will give you more stability. However, once you branch out on your own, you're golden.

4. Social Media Community Manager

Tweets. Facebook posts. Instagram updates. These are the kinds of things a social media community manager is responsible for. The big reason that this isn't a typical 9-5 job is that social media does not follow a 9-5 schedule. Quite the contrary, in fact, as people who do work those traditional hours are more active on social media before and after work. So, as a social media community manager, you will be working around the clock to maintain a brand's presence on many different social media platforms. Obviously, with such demanding hours, you won't be expected to work 9-5 every day, but you will sometimes be working long hours for weeks at a time — especially if you're driving people to a new product launch, or a TV series. You could also do this work as a consultant, or on a freelance basis, and set your own hours.

5. Personal Trainer

Are you fit? Like, really fit? Do you know enough about nutrition and exercise that you could get other people into great shape? If so, then you may find the job of personal trainer to be just what you need. Personal trainers, especially those that are self-employed, set their own hours and can work whenever, and often wherever, they want. You can go to a client's home or office, or they can come to you. You can choose to work weekends only, or only in the mornings. You can also choose to only work three or four days a week. Some like to work for health clubs and gyms, which will provide more stability, but in turn, more of a traditional work schedule. If you live in a place like Hollywood or Manhattan, you could eventually get some famous clients, and that can mean serious money.

6. Actuarial Consultant

That's a bit of a mouthful. An actuary is someone who manages and analyzes risk. Any company that deals with risk, such as the insurance industry, needs actuaries to protect them from loss, and manage the future. An actuarial consultant does this job on a very flexible schedule. Often travelling the country, or even the world, actuarial consultants can set their own hours, and choose whom to work with.

Plus, the salary is very good, with the median salary being over $95,000 per year. If you want to get into this field, you'll need a good head for numbers. Actuaries study calculus, statistics, and probability. They also have excellent problem-solving skills, are organized, creative, and highly motivated. It's not a career for everyone, but if you fit the bill, you can earn a great salary working the hours you want.

7. Tax Accountant

We all dread doing our taxes. So much so, that many of us pay someone to do them for us. These people are tax accountants, and many of them are self-employed. This obviously has some ups and downs. The ups, besides a great schedule, is that for around four months out of the year (January-April), tax accountants are insanely busy. The big downside is, of course, that once tax season is over, work really slows down. Tax accountants who deal only with individuals and very small businesses don't stay very busy the rest of the time. That's why most tax accountants also have a roster of business clients who file quarterly returns, and require other specialized tax services.

8. Nurse

If you have a natural inclination to care for people, and don't like traditional office hours, you should definitely look into nursing. People do not get sick at convenient times, and as such, nurses are required 24-7. As a nurse, you will not only be helping people with physical ailments, but also helping people heal emotionally, too. Nurses not only need to be there whenever there's a problem, but also must be patient, kind, empathetic, and understanding — even if it's 2:45 a.m. and it's been a 16-hour day.

However, nursing hours are flexible because of this. You may find yourself working nights only, or working long shifts for 3-4 days per week. You will need a minimum of an associate's degree in nursing (ADN, which takes about three years) and must pass an exam given by a local licensing board.

9. Truck Driver

Love the open road? Like spending time by yourself? You may want to look into a truck-driving career. When you first start out, you will more than likely be an OTR, or Over the Road driver. This means long-distance trucking, across the country, and you can expect to be gone at least two weeks at a time.

For this reason, it's not the ideal job for someone with a family, especially with younger children. But if you have no issue being away from home for long periods of time, and like time alone, truck driving could be a great career move for you. You will have an erratic sleep cycle, so get used to that idea. Also, you can expect to work 60-70 hours per week when you're working. In your first year, you will probably only make $30-$35,000, but many trucking companies will train you to do the job. Compare that to the years of college, and huge student loans that many young adults come into the business world with, only to get a small entry-level salary.

10. Photographer

If you have a great eye, and are willing to put in the work to really get to know how to operate a camera, being a photographer can be very gratifying. It's definitely not just point and shoot, and you will need to take classes in lighting, portraiture, landscapes, and many other aspects of the job. But once you have mastered the art, you can make a great living taking photos whenever you want to. Many photographers have professional studios, although this is not a requirement. You can choose exactly what type of photos you want to take, too. Maybe you want to work at weddings or other events. Perhaps an intimate studio setting is more to your liking, or you want to do boudoir shots.

Whatever you decide, you will have to get used to one thing… people will always want you to give them free shots, or pay less than you ask for, as they don't understand the training and craft that goes into taking a truly wonderful photo. If you get really good, you could end up working on movies or TV shows, becoming a unit photographer (pictures taken during shooting), or taking the shots that go into the posters themselves.

Do you have a job that defies the 9-5 routine? Share with us in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Ways to Be the Perfect Customer

Paul Michael — Wed, 09 Mar 2016 10:00:16 +0000

We drink and eat at bars and restaurants. We stay in hotel rooms, get our hair cut, and take flights. But how many of us actually stop and consider what kind of patrons we're being? Are we good customers? Are we making things easier on ourselves, or harder? Here's how you can make your life as a customer a whole lot better.

1. Tip Your Bartender With Cash Early On

Your bartender is relying on tips to make ends meet. However, if you open up a tab immediately with a credit card, he or she will have no idea how generous you are going to be. And bartenders are not in the habit of just giving away free drinks, or long pours, to just anyone. So, start the evening with cash. Order a drink, hand over a $20, and you will undoubtedly get a bunch of $1s in the change. Drop a couple of those on the bar for your first few drinks, then open up a tab. Your bartender will now be way more open to giving you the occasional double for the price of single, free drinks, and even free apps.

2. Don't Snap Your Fingers or Wave

It may seem like a natural way to get someone's attention, but in a bar, pub, or restaurant, it's actually quite rude. Unlike friends or coworkers, your server or bartender knows that their number one priority is to take care of you. That means they keep an eye on you. They look for small signals, they pay attention to how much of your drink is left, or what's on your plate. They may be very busy, but they will get to you. It's their job. So, clicking, waving, shouting, snapping — these are all unnecessary, and actually have a negative effect. No one likes to be summoned like a dog. (See also: 12 Lessons in Manners From Around the World)

3. The Customer (You) Is Not Always Right

It's something that is ingrained in American culture, and it has become a very difficult point for establishments to live up to. Whether you're in a restaurant, a hotel, a plane, or even the gym, you may feel very strongly about something, but it doesn't mean you are in the right. So, before making a scene (which, most of us don't do), make sure you have all your facts straight. It could be that the restaurant does not have to honor the coupon you have, which happens often with franchises. It could be that the hotel really is full, and there are no "special" rooms available for friends or famous people. Just be sure. And if you are right, argue your point politely and with respect. It will get you much further.

4. Never Give a Hard Time to People Who Handle Your Food

Or your drink, for that matter. This one is just common sense. After talking with bartenders, servers, and even flight attendants, the dumbest move you can ever make is to treat these people with little-to-no respect. If you do, they have ample time and plenty of motivation to do something unsavory. From spitting in your salad, to wiping the steak around the rim of a toilet bowl (this one was caught on camera), it's never a good idea to be mean to people who are alone with your meal. If you know someone who's been a real bully, and later complained of an upset stomach, you can guess what happened.

5. Give Compliments to the Staff

My nine-year-old daughter was eating her food and told me she loved it. Like, really loved it. I told her she should say something to the server, and she was shy, but agreed to. Not only did she get a big smile and a thank you, but a few minutes later, all the kids at the table got a free scoop of ice cream. So if you're having a great time, eating awesome food, or just love your server's attitude, say something. It will absolutely make their day, and sometimes, you get thanked in the nicest way.

6. Tip Your Server at Least 20%

Unless the service was exceptionally bad, you should tip at least 20% of the final bill. Servers require this amount to make a living wage. The 20% amount is a good place to start, because the servers are making less than minimum wage without this. In fact, most servers earn less than $5 an hour, with $2-$3 per hour being quite the norm. When servers get tipped 20%, it brings their hourly wage up past the $10 mark, hopefully to $15-$20 per hour or more. For the amount of work, running around, memorization, and stress, that's a fair wage to say the least. So please, tip 20%, or more if you can afford it. And if you tip less than 15%, or not at all, try and remember that you are getting cheaper food and drink because of the miserly wage the servers get.

7. Know What You Want to Eat and Drink

When you get to your seat, the server will give you some time to settle in, look at the menus, and feel comfortable. The first time they come back, they're going to ask you what you'd like to drink, and perhaps if you want an appetizer. If you need a little more time, that's fine, but don't keep delaying, making "uuuummmmm" sounds, and changing your mind. The server will have a lot of tables to tend, and it's unfair to keep them hanging. Also, restaurants want to "turn" tables in a timely manner. They are not expecting you to take 20 minutes to figure out what you want to eat. Most restaurants and bars these days have menus on their websites, so if you are someone that has a hard time deciding on a meal quickly, look it up beforehand.

8. Remember Names and Make Small Talk

"Excuse me" is fine, but if you say, "Excuse me, John," you are instantly in a much better place with your server. It may not seem like a big deal, but people like to be treated with respect, and using their first name is a great start. It means you made the effort to ask for it, and remember it, and it will be appreciated. It's also a friendly way to talk, and the more friendly you are, the better you'll be treated. Even better, ask how their day is going. Are they watching the big game that weekend? Do they have any plans for the holiday? Showing an interest in your server or bartender will ensure a better experience for you.

9. Stack Dishes and Glasses if You Can

"Hey, that's not my job, why should I do that?" Well, you really don't have to. You're right, it's not your job. However, it can take a few seconds for everyone at the table to just pitch in and stack the empty dishes. It takes longer for one person, the server or busser, to do it. And if you ease their burden a little, you can expect quicker, friendlier service. On the many occasions I have done this, I have sometimes received a free dessert to say thank you. It obviously doesn't happen every time, but the staff really does appreciate the help.

10. Don't Send Your Drink Back at the Bar

If you're at the bar and you receive a drink that isn't really to your liking, you have three options. One: You can send it back, saying it's not good. Two: You can suck it up, drink it, and order something slightly different next time. Three: You can have a friend drink it, and order something else. Most of the time, if you choose option one, you are guaranteeing a night of poor customer service. Bartenders I talked to agreed that unless the drink was just completely wrong, they really don't care for your opinion on the way a drink was mixed. If it's a busy Friday or Saturday night, and they are working up a sweat, remixing a drink is making their life hell. And next time you want service, you will become invisible. Just be nice.

Do you have any tips that we all, as patrons, could benefit from? Share them in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

15 Surprisingly Valuable Uses for a Penny

Paul Michael — Fri, 26 Feb 2016 11:30:04 +0000

Here's a quick fact for you: it costs more to make a penny than a penny is actually worth. The Government Accountability Office states that it costs 1.7 cents to make a one-cent penny. The reason is rising metal prices. This probably means the venerable penny will not be around for much longer, as it is a money pit for the mint. So, while it's still around, here are 15 valuable uses for your humble penny. (See also: 12 Smart Uses for Safety Pins)

1. Decorate Floors and Tables

If you have the time, and patience, pennies can be a decorative and highly durable surface for floors and tables. Do a quick Google search for "penny table top" or "penny flooring" and you'll see some quite ingenious and beautiful designs using the penny. Even better, it's a very affordable option for covering your old tables or floors. All you really need is a huge amount of pennies, some epoxy, and a way to seal the finished surface. And if you're budgeting this in your head, it takes about $3 of pennies per square foot. That's cheaper than most tiles or wooden floors.

2. Check Your Tire Tread Depth

Tire tread depth is important. Worn tires are unsafe, especially in winter conditions or heavy rain, and you should monitor it often. New tires are usually between 10/32" and 11/32," and depending on the type of tire you have, and the kind of driving you do, this can wear down quickly. To check the depth with a penny, turn it so that Lincoln's head is pointing down. If the top of his head is covered by tread, you're in good shape. If all of his head is visible, get the tires checked. It's probably time for a new set.

3. Turn the Screws

Often, we'll find ourselves in situations that require a screwdriver. And we might not always have one on hand. In these situations, a penny can come in handy. Of course, it's not exactly ideal (it will only work on slot-head screws), but a penny can be used to turn that screw and get you out of a jam. You can also use pennies to pry open containers.

4. Make a Cold Pack

Every home should have a cold pack in the freezer. They are a very effective way to reduce the swelling on an injury, but they can be expensive. However, you can make your own with just an old sock or cotton sack, and a whole bunch of pennies. Pour them into the sock, tie it up, and pop it in the freezer. The pennies will form around the leg or arm, and they stay cold for a long time.

5. Keep Cut Flowers Fresh for Longer

There are several tricks out there for prolonging the life of your flowers. According to florists, all it takes is a copper penny (dated before 1982) and a cube of sugar. Add both to the vase and fill it with water, then add your cut flowers. The copper from the penny acts as a natural fungicide, which helps keep your flowers free from yeasts and bacteria.

6. Use as Spacers When Laying Tile

As Alton Brown often says, you should try not to buy items that have only one use. Bags of plastic tile spacers are available at every hardware store, but they have just one use. Instead of wasting your money on them, use pennies instead. They give you the width you're looking for, and you can clean them off and use them again, or cash them in.

7. Pay With a Vengeance

Some people say this one is a little petty, but hey, depending on the circumstance it can be a great way to make a statement. If you get a bill that you think was undeserved, or just owe money to someone that you believe deserves to be taught a lesson, pay it back in pennies. They are legal tender, but it can become a nightmare to count them. Just think, even $10 is 1,000 pennies. You may get told you cannot pay in pennies, but this is not the case. Money is money. This is not a check; it's hard currency.

8. Save a Glass of Wine

It's happened to all of us who partake in a glass of wine now and then. You go to sip your delicious glass of merlot or claret, and boom; you're hit with the smell of rotten eggs. This is because volatile sulfur compounds (mercaptans and thiols) form when the chemicals in the wine react with oxygen. Fortunately, the wine can be saved by a clean copper penny; just make sure it is dated 1982 or earlier (anything after this date is made mostly of zinc). Pop the penny in your glass of wine and give it a stir. The sulfur in the wine will bond with the copper in the penny, creating copper sulfide (which has no smell). Problem solved, wine saved, party on.

9. Make Your Own Washers

If you need a washer, and fast, you can use a penny. Simply secure it in a vice, or clamp it down with woodworking clamps, and drill the appropriate-sized hole in the center. And as you're drilling, think about this: Similar-sized washers cost between 10-15 cents at the hardware store. By using a penny, you are saving 90% on the price of a washer.

10. Create Tap Shoes for Kids

Okay, so they won't be good for actual competitions or professional dance lessons. But, if you want to let the kids experiment with tap dance, you can improvise some pretty cool tap shoes using pennies. Just find an old pair of shoes or sneakers that are not being used. Find some good, industrial-strength glue, and affix three to five pennies on the front part of the sole, and two to four on the back. Let the glue dry, and you have a pair of tap shoes that sound great on hard surfaces.

11. Give Your Birdhouse a New Roof

Birdhouses are great, but most of the time the weather takes its toll on them. The roof, in particular, bears the brunt of the wind, rain, hail, sun, and snow. With about $5 worth of pennies, you can create a new roof that is not only great against the elements, but also looks just like an old tiled roof. Here's a great example of a birdhouse that was given a penny makeover.

12. Add Weight to Curtains

If your curtains are a little lightweight, and don't hang as straight as you'd like, pennies can come to the rescue. Simply make an opening in the hem, and slide pennies into the cavity, at even spaces along the width of the curtain. Use as many as you need to weigh the fabric down without it being cumbersome. Then, simply sew the hem shut.

13. Make Buttons

Pennies can become very cool buttons for coats, jackets, and bags. First, decide if you want the pennies to look worn and dated, or shiny and new. You can get brand new pennies from banks, or shine your own by popping them in a bowl filled with vinegar and a little salt. When you have the pennies ready, drill two small holes side-by-side in the center. Now, sew them onto your garment.

14. Stabilize Wobbly Chairs and Tables

Most of us fix a wobbly table or chair by folding up a piece of paper several times, and jamming it under the short leg. It's a fix, but not a very good one. And sooner or later, the paper will come out. Instead, glue pennies to the bottom of the offending leg. Place pennies in the gap until the table or chair is stabilized, then remove them, glue them together, and let them dry. Then, glue your penny wad to the base of the leg. If you're worried about scratching the floor, glue a small piece of felt to the bottom penny.

15. Create Amazing Art

If you have some artistic ability, pennies can be transformed into incredible works of art. As this site here demonstrates, you can make a portrait of Lincoln using a variety of pennies that have different levels of shine. But you can take it even further, and create any kind of image or portrait.

What are some other creative uses for pennies? Share with us in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

11 Signs the Job Is Too Good to Be True

Paul Michael — Thu, 25 Feb 2016 10:00:07 +0000

You've no doubt seen the emails, the web banners, or the ads posted on public noticeboards. They may vary greatly in content, but the general idea is the same — a great job, offering the pay you want, the hours you will love, and the freedom you have always wanted. But how many of these jobs are actually legit? As it turns out, not a lot.

Industry experts from sites like FlexJobs.com, RatRaceRebellion.com, and Global Workplace Analytics estimate that for every real job advertised, 60 are scams. Those aren't good odds. And although you may think you could easily spot a scam, don't be too sure. FlexJobs.com recently polled 2,600 job seekers, and 17% off them had been taken in by a scam at least once. So, what can you do? How do you protect yourself? Here are 11 signs that the dream job could be a complete scam. (See also: 8 Vile Craigslist Scams to Watch Out For)

1. They Offer Big Bucks for Minimal Hours

There are very few legitimate professions that can guarantee a huge salary for a few hours of work every day, or every week. Those that do are usually in the medical profession, Wall Street, or adult entertainment. So when you see an ad offering a six or seven figure salary for just a few hours of work a day, it's almost certainly a scam. And if this is a work-at-home job, it's definitely bogus. Unless you already have a specific skillset that is in high demand, no one is going to pay you big money for such little effort. When you see an ad like this, ignore it and move on.

2. They Want You to "Pay to Play"

There are so many sad stories about this. In particular, NPR's Planet Money did a great podcast called "Anatomy of a Scam" that highlighted the case of a woman who was taken for many thousands of dollars. The basic premise of this one is that you can build a fantastic home business that brings in big money. All you need to do is buy something to kickstart it. What that something is depends on the type of scam being operated.

In the case of Planet Money, it was a website building service that required an upfront fee of almost $5,000, and a monthly subscription of around $50. And for what? Basically, very little. The tools offered were available online or in libraries for almost no money. In fact, right now you can build an ecommerce website quickly and easily for as little as $10-$20 a month and no upfront fees. There may be legitimate businesses asking for an upfront fee, but they are rare. Those that are legitimate are often referred to as "pyramid schemes," or "multi-level marketing" operations. While they may be completely legal, making money in them if you are not at the top of the organization is almost impossible.

3. They Ask for ALL of Your Personal Information

You see a job that looks amazing. It even looks like it's coming from a big name company, like Google, Apple, or Amazon. They offer flexible hours, a fabulous salary, great benefits, they will even pay to relocate you. All you need to do in return is fill out an application form. This is the scam.

No legitimate business is going to ask you to give details like your social security number, bank account details, or credit card information. This is simply an exercise in "phishing," and it can leave the applicant's life in a complete mess. And this is not just something that happens online. As a UK series called The Real Hustle showed, it can be done very easily in a physical location. The scammers rent office space, wear suits, and pretend to be recruiters. All they're really doing is collecting personal information. Once they've got everything they need, they shut up shop and start stealing identities.

4. They Want Money for Government or Federal Jobs

People are very attracted to government jobs because they offer great benefits, good pay, there are locations everywhere, and there are tremendous opportunities for advancement. Scammers know this, and will use this to take advantage. There is this myth that government job openings are kept secret, or are hard to come by. While the latter may be true for some types of jobs, there is no secret database that you have to pay to access. Every job available is posted at USAJOBS.gov, and you can search by skill, job title, agency, and location.

A quick search of the database revealed over 341 openings right now, in Colorado alone. The scammers will use sites and email addresses with official-sounding names, like "US Agency For Employment Opportunities" or "Postal Service Career Services" but it's all bogus. What they want is money for access to lists that are available free, or worse, for entrance exams and tests that mean absolutely nothing. They cannot guarantee you a job in any government agency, but they will happily collect your money. You can read more about government job scams at the FTC.

5. They Are Impossible to Research

In this day and age, every legitimate company has a web presence. It would be bad for business not to have an online identity. So when you start researching the company offering the job (and you should always do that to prepare for the interview anyway), you should be concerned if there is very little information available about the company.

If, after searching the company name, you get a handful of articles, stories, references, or reviews, think carefully about applying for the job. Sure, they may have a website, but look at it closely. Does it seem cheaply made or rushed? Does it have legitimate ways to contact real people, or is it just an email address? Real companies will also have established a strong social presence online, and quite often have Facebook and Twitter accounts. If you are coming up empty, it's almost certainly a scam. Now, the big exception to this is a start-up company. Obviously, they are just getting their foot in the door, and may not have anything like this in place yet. In that instance, use the other tips on this list to sniff out the legitimacy of the job.

6. They Are Fuzzy With the Specifics

Your future employer, if legitimate, will have a lot of details about the position for which you're applying. Even if it's a real work-from-home job, like medical transcription, you will be given very specific information about hours, pay, benefits, and expectations. When a job is a scam, these details are in short supply. They will talk in generalities, using phrases like "flexible hours" or "great earning potential." But if nailing them down is like nailing jello to a wall, run and hide.

7. They Contact You First

This is not a job-hunter's market. Statistics show that three out of four employed workers are open to, or actively looking for, new jobs. Combine that with people looking for jobs who are out of work and you quickly realize, this is an employers market. Or, as an HR person recently told me, "if you post it, they will come." So when you get sent emails, texts, letters, or receive phone-calls offering a new job, it's almost certainly a scam. Scammers want your money or your identity, and they're the ones on the chase for new people to con. The exception to this rule — headhunters. If you're in an industry that uses headhunters, such as advertising, you may get a call or email. But a quick Internet search should easily reveal if the headhunter is legit, or a scammer.

8. They Use Poor Grammar

Legitimate companies are aware of the importance of good grammar in all communications. This is not to say the postings will be literary works of art, but they will be spelled correctly, and avoid lots of exclamation marks, underlined words, and hyped-up language. These companies often use a proofreader to ensure this kind of professionalism. Scammers couldn't care less. They're not going through every text and email with a fine-toothed comb, looking for spelling errors and poor grammar. They want to get your attention quickly, and know that most people won't really care about the occasional slip up. But, you should. If it's unprofessional, it's almost certainly a scam.

9. They Have a Rotten Reputation

This is where the Internet, and Google, can really be your friend. The second you see a job offer that interests you, research the company. If possible, find online forums devoted to job-hunting and work-at-home careers, and ask questions about the company. If the company is legitimate, you will find out soon enough. If it's a scam, you will be inundated with information about their deceptive practices. The Better Business Bureau is also a great place to look up companies in your area. Look at the grade, and the reasons why it received them. An "F" grade is definitely a big red flag.

10. They Keep Unusual Hours

Legitimate businesses keep legitimate hours. Namely, 8 a.m. to 5 p.m. This is when you will receive phone calls, emails, or even LinkedIn messages. Scammers work around the clock, and often do it outside of regular business hours. So, while an email received at 6 p.m. should not ring any alarm bells, one that you get at midnight should. Hiring managers do not work into the wee hours of the morning, and if they're contacting you at this time, they're most likely a scammer.

11. They Aren't Looking for Experience

"No experience necessary" is a huge warning sign in a job offer; especially if the job is offering to pay you a big salary. It's just a complete fantasy to think that you can get a huge income without having any kind of education or training. If this is in the job ad, avoid it like the plague.

Have you ever been scammed on a job? Let us know in the comments below!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Great Side Jobs for Introverts

Paul Michael — Wed, 17 Feb 2016 10:00:08 +0000

A second source of income is not only a nice financial safety net; it's also a way to broaden your work experience. In fact, many side jobs are often very different to the full-time careers people have. And, speaking as an introvert with a side job, this topic is near and dear to my heart. So if you're a little on the quiet side, and would like to spend some of your spare time earning money, here are 12 great jobs for you. (See also: 6 Reasons Introverts Make the Best Employees)

1. Thrifting for Cash

Thrift and charity stores are home to so many hidden treasures, and if you know what to look for, you can make some great money selling them on eBay, Craigslist, and various Facebook groups. It helps to start with a subject you have some interest and enthusiasm for. So, if you're a fan of vintage clothing, start browsing the aisles at your local thrift stores. For a few bucks, you can pick up sweaters and coats that can go for 10 times what you paid for them, and often a lot more. It's a job you can do in your spare time, and requires little-to-no contact with any of those social situations that can raise your anxiety levels to Defcon 1.

2. Drive for Lyft or Uber

Taxis are quickly being replaced by the very convenient Lyft and Uber services. If you have a car in excellent condition, and don't mind putting extra miles on it, you can make a good bit of extra cash being a driver. Most of the time, you're driving just one or two people around, and with the aid of smartphone GPS services, you never have to worry about getting lost or asking your fare for directions.

I have had drivers who were very chatty and social, and others who clearly liked to just do the driving with as little conversation as possible. As long as you're okay with strangers getting into your car (and both Lyft and Uber have a lot of safety measurements in place) you will do great. Plus, you'll get to see more of your city than you ever thought you would.

3. Writing

Be it blogging, journalism, copywriting, or even writing jokes for comedians, writing is perfectly suited to introverts. You can do it at home, or if you have a laptop, you can write wherever and whenever you want. For instance, if you have a long commute on public transportation, you can fill that time earning extra money. Writing, in its many forms, can be fit into a regular full-time schedule, using evenings and weekends, holidays, and personal days. And it's something that can be done without having any real contact with anyone, if you desire.

4. Medical Transcription

Make no mistake, you cannot just decide to become a medical transcriptionist one day, apply for a job, and get it. Although you don't need a degree, you will need some training in this arena. Vocational schools, community colleges, and even online schools can give you the skills you need. In particular, a strong knowledge of medical terminology must be acquired, but once you have this, you can make a very good side living transcribing written reports (which can be very tough to read), or more often, recorded memos from doctors and nurses. It can be done in the comfort of your own home, and the pay can be close to $20 per hour.

5. Janitorial Work

I actually made some good money doing this to put myself through college. The hours were very flexible, and I rarely had to interact with people on a regular basis. Jobs ranged from cleaning windows and mopping floors, to small DIY jobs, changing light bulbs, and unpacking boxes and crates. Most of the time, I would wear headphones and listen to music while I did my duties. Reach out to local places that have janitorial services — including schools and community centers — and see if they need help.

6. Pet Sitting/Dog Walking

If you're more at home with animals than you are with people (and let's face it, animals rarely give us the social anxiety problems that people do), then a part-time job with animals may be just your thing. Advertise your services as either a pet sitter, or dog walker on a site like Craigslist. How much you charge is completely up to you, but obviously you don't want to charge so much that you never get any work. Also keep in mind that with pet sitting comes additional expenses, like food and supplies. You may want to have the owner provide those, or include the additional costs in your hourly rate.

7. Answering Service

All you need is a phone, a pleasant phone manner, and the willingness to work some unfavorable hours. As an answering service, you will be taking calls and relaying messages to a variety of professionals, including doctors, insurance agents, and hospitals. Obviously, the major drawback is that you will be required to work outside of normal work hours, and that can mean answering the phone at 3:30 a.m., and doing so with alertness and amiability. However, if that's no problem for you, this can be a great way to earn extra income.

8. Tutoring

One-on-one tutoring with someone eager to learn is a great side job for any introvert. You may have some excellent skills in any number of school and college subjects, include math, chemistry, biology, or music, and you should share that knowledge.

Personally, I have taken guitar lessons from a guy who did it evenings and weekends to pay for his own equipment. When I asked where he was next playing a gig, he looked like I had smacked him with a wet kipper. "Oh, I'm way too shy to gig, I just love playing at home." But, he had absolutely no problem with the tutor/student dynamic. If that sounds like you, give tutoring a try. You can travel to other people's homes, or have them come to you.

9. Deliver Pizzas, or Newspapers

These are not just jobs for college kids looking to make a bit of extra cash. Anyone can become a pizza delivery driver, or deliver newspapers. All you need is your own car, and the available time to get it done. Most pizza deliveries happen after the workday ends, and most newspapers are delivered long before the workday begins. So, if you are willing to sacrifice some of that time, you can earn some good income.

10. Data Entry

If you have a computer, and have good typing skills (accuracy and speed are essential) then data entry could be ideal for you. As the world goes digital, there are literally millions of pages of documents that need to be typed up and stored. The money varies, from as little as minimum wage, to around $20 per hour.

However, it can be done from home, with some music in the background and your feet in slippers. And you will never have to talk to anyone, as it can all be done via snail mail and email.

Are you an introvert? What's your ideal side gig? Let us know in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

12 Fun Facts About Valentine's Day Spending

Paul Michael — Fri, 12 Feb 2016 10:30:25 +0000

Valentine's Day. A day for lovers and hopeless romantics everywhere. But what about the costs of being a big sweetheart? What are we, as a nation, spending to let our significant other know just how much we care about them? Some very revealing data from a 2015 National Retail Federation study lifts the lid on our spending habits on Valentine's Day. Here are 12 fun facts about the where our money goes on the day of love.

1. Americans Will Spend Over $19 Billion on Valentine's Day

You read that correctly; $19 billion. Last year, the spend was $18.9 billion, and that is only going to increase, especially as the economy continues to improve. Does that mean we're all a bunch of big romantics in this country, or are we just suckers for gift-giving holidays? After all, no one needs a special day to treat the love of their life to roses, chocolates, or a candlelit dinner for two. Perhaps it's a mix of peer pressure and not wanting to be "that guy," aka the guy who didn't buy gifts on the big day.

2. Men Spend Twice as Much as Women

All is not equal between the sexes on Valentine's Day. On average, men spent $190.53 on the day of romance last year, as opposed to the $96.58 spent by women. Why? Especially these days, with women wanting equality in the workplace, and equal treatment in all aspects of life.

A quick poll of my friends and family was quite revealing. It seems as though men believe they are supposed to spend more than women; that this is a time to treat their significant other. Something else that came up was that gifts for women cost more than those for men, and also, women seem to care about the holiday more than men, and therefore, it makes sense to spend more. What do you think?

3. More Than Half of Valentine's Day Gifts are Candy

As a country, we certainly do have an affinity for sweets. Over the last decade, around half of all Americans surveyed said they were going to buy candy as a gift for their significant other. In 2015, that number was 53.2%. Coming in second, at 37.8%, was flowers, followed by jewelry and greeting cards. Remember, if you're a frugal shopper, all that candy will be 50%–75% off the day after Valentine's Day. So, if you want to treat him or her to candies, perhaps do it over the course of a few days. It prolongs the holiday, and you can save money at the same time. (See also: Celebrate Love, Not Money, With These Recycled Valentine's Day Gifts)

4. Nine Out of 10 People Will Treat Their Significant Other

It appears as though we're a nation of sweethearts. Apparently, 91% of us will do something for our partner this year, with the average spend being almost $90. The other 10% consist of people who either don't believe in the holiday, will forget it, or have already agreed on doing nothing with their partner. The stats don't take into account people who don't have a significant other, or those who plan to be someone's secret admirer.

5. Adults Ages 25–34 Spend the Most Money

Hold onto your wallets. Last year's data reveals that people between the ages of 25–34 will spend an average of $213.04 on Valentine's Day! That's a huge sum of money. Coming in second, and well below that number, are 35–44-year-olds, who will shell out an average of $176.21. Surprisingly, third place falls to the 18–24-year-olds, spending an average of $168.95. It looks like the older generations may be saving their money for something else.

6. Discount Stores Play a Big Role in Valentine's Day

It looks like we're not just a bunch of romantics, but we also love a good bargain, too. Second only to department stores — making up 36.5% of last year's most visited locations — discount stores were the place to shop for gifts. And 35.2% of us went to these kinds of stores to shop for Valentine's Day gifts last year. So who cares if it's a bargain, as long as it's a gift that comes from the heart?

7. The Nation Will Spend Over $1.5 Billion on Cards

Yes, cards. This one is a head-scratcher. As Jim Gaffigan once said about Valentine's Day cards, "I guess that's something I'd say — I'll just add my name here. See what that other person wrote about how I feel about you?"

With greeting cards coming in between $4–$6 each, it seems like an incredible waste of money. If you want your significant other to know how you feel about them, write them a letter. Pop it in an envelope, and seal it with a kiss if you want. Guaranteed, they would rather read something personal on a piece of paper, than a quick "Love you, Babe" under a verse that a professional writer composed.

8. Over 20% of Us Buy Gifts for Our Pets

You don't have to be human to get in on the Valentine's Day action. Last year, 21.2% of people surveyed said they bought gifts for their pets. Thankfully, people used good financial sense here, spending on average only $5.28 on a gift. However, when you do the math, it means the nation will spend over $703 million on Valentine's Day gifts for pets! You have to wonder, with the pets not having a clue what is going on, is that the best use of your hard-earned money?

9. We Spend an Average of $6.30 on Classmates and Teachers

As Valentine's Day approaches again, the parents of younger kids will know all about the tradition of the homemade Valentine's mailbox. It's a shoebox, or other cardboard box, decorated and used to collect the many little gifts and cards given out by all the other kids at school. Although these gifts are often just a lollipop glued to a notecard, they soon add up to a box of sugary treats that will rival a Halloween haul. Teachers are also included in that mix, although usually they get a card, and nothing more.

10. Other Family Members Get Treated, Too

As a Brit, this one floored me when I first got here. Valentine's Day was always about lovers. So imagine my surprise when I saw cards that said, "Happy Valentine's Day, Grandma" and "With Love On Valentine's Day, Son." Wait, what?! As was explained to me, quite quickly, it's considered a holiday to show your love for other people in the U.S., not just in a romantic way. And with Americans spending an average of $26.26 last year on family members, it's a gesture taken quite seriously.

11. Americans Will Spend Over $2 Billion on Clothing

You have to wonder how much of that $2 billion will be spent on sexy lingerie and skimpy night attire. After all, this is the one time of year guys can look around Victoria's Secret without feeling completely out of place. Whatever kind of clothing you plan to buy for your partner, just remember to keep the receipt, and check on the return policy. You don't want that lovely gesture to become a costly one.

12. Over $3.6 Billion Will Be Spent on Movies and Dining Out

Dinner and a movie may seem as cliché as flowers and chocolates, but that's what we like to do, and we spend billions proving that point. Last year, we spent over $3.6 billion on Valentine's Day trips to the theater and restaurants. Those figures were slightly skewed by the fact that many restaurants have "romantic specials" that cost more than a typical dinner for two. But even taking that into account, one thing is clear — you better book ahead to avoid disappointment this year.

How much will you be spending on Valentine's Day? Share with us in the comments!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 Ways Valentine's Day Picks Your Pocket

Paul Michael — Tue, 09 Feb 2016 12:00:04 +0000

February 14 is approaching, and you know what that means; panic. People everywhere are trying to figure out the perfect gift, the ideal date, or the romantic verse they will write in a card. A day for couples is nice, but let's be honest… it's just another way to get us all to spend money. And as someone once told me, you shouldn't need a special day to make the one you love feel special. So, if you've been thinking about giving the day a miss this year, here are eight costly reasons that will tip the scales.

1. Roses Are Way Overpriced

At any other time in the year, a bouquet of a dozen roses will set you back anywhere from $10–$50, depending on where you buy them. On Valentine's Day, you get "surge pricing." In other words, because roses are in demand, you have to pay way more for them. As Reuters points out, the wholesale cost of roses peaks dramatically around this holiday, and those increases are passed on to customers.

In New York, you can expect to pay between $5–$8 per rose, and if you're getting them delivered, tack on another $20–$30 for that. It's not unusual to pay $99 or more for a dozen roses on Valentine's Day. And for what? They'll be dead in a few weeks, if not sooner.

2. Restaurants Take Advantage

Don't be surprised to see the restaurants in your area charging hefty prices for "romantic dinners." Zagat states that a dinner for two jumps from $70 on a normal day, to over $146 on Valentine's Day. The restaurants know all too well that dinner is usually a big part of your planning, and you'll also have to book weeks in advance if you want any chance of getting a table. Unless, of course, you decide to go to McDonald's or Taco Bell. Plus, expect the service to be slow. The servers are going to be inundated, and the chefs will never get a break. (See also: 10 of the World's Most Expensive Restaurants)

3. Greeting Card Prices Are Bonkers

Americans buy over 180 million Valentine's Day cards every year. Seriously, who feels the need to buy someone a card for $6–$7 that contains a cheesy verse? A card that will, in most cases, go in the trash in a week or two. The price of a piece of cardboard is less than a dollar at most craft stores. You can fold that in half, write something that comes from your heart, and glue something fun or sweet on the front. Maybe one of those sweetheart candies?

4. Boxes of Chocolates Are Marked Up

It's the usual combo of flowers and chocolates that most men select as gifts on Valentine's Day. And to mark the occasion, the candy companies make heart-shaped boxes, or big, romantic packages. But it's the same old candies inside them. You're just paying extra for the presentation. By the way, those same chocolates will be at least 50% off the day after Valentine's Day. If you have a cool partner, suggest having Valentine's Day one day later, and you could save a bundle.

5. You Could Set a Costly Expectation

Imagine that you are in a new relationship, and Valentine's Day is just around the corner. You want to impress your potential boyfriend or girlfriend. You may pull out all the stops, with fine wine, a horse-drawn carriage ride, and perhaps a night in an incredible hotel. Just remember, this is a first impression that could set the standards for the whole relationship. A good friend of mine told me one of the biggest mistakes he ever made was creating a lavish Valentine's Day getaway for his third date. She was absolutely blown away, but he spent the next few years trying to live up to that. She always compared everything to that night. Save the grand occasion for an important anniversary, not a date with someone you have yet to really know.

6. Hotel Rooms Are Expensive

If you plan on making a night of it, a romantic package at a hotel seems like a good idea. But, a lot of other people have the same idea, too. Hotels know that Valentine's Day is a big draw, so room rates will increase significantly on that night. The cheapest rooms will go very quickly. That means if you don't book well in advance, you may be left with the King Suite as your only option. And that can be a very costly night out, especially after dinner and a movie.

7. Lingerie Can Be a Pricey Mistake

Let's be honest, men buy lingerie as a gift to themselves. They know their partner will look sexy in it, and that's their treat. But the difference between what looks good, and what feels good and fits well, is huge. I did a quick poll at work asking who had bought lingerie for their wives and girlfriends in the past, on Valentine's Day. And then I asked how many times they saw their partner wearing it. It seems as though men will shell out a lot of money on something that will either get used once, to be polite, or will go straight back to the store the next day. Hopefully, for a full refund, but some stores have strict return policies on intimates.

8. Specific Delivery Dates Cost More

If you're looking for flowers, chocolates, lingerie, pajamas, jewelry, or anything else to be delivered on Valentine's Day, you will pay a hefty surcharge for that privilege. Some stores will tack on $10 or $20 extra to ensure the gift is delivered into the hands of your loved one on that specific day. However, this year you may be out of luck even getting that delivery date. Valentine's Day 2016 falls on a Sunday.

Now... if you're planning to skip Valentine's Day this year, what's your reason?

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 of the World's Most Expensive Restaurants

Paul Michael — Mon, 08 Feb 2016 16:00:05 +0000

When it comes to restaurants, most of us make a decision based on several factors: quality and style of the food, the location, and of course, the menu prices. But what if one of those factors was never an issue? What if money was no object, and you could eat absolutely anywhere, regardless of cost?

Here are 10 of the most expensive restaurants in the world. When you consider the price for a meal can be more than a mortgage payment (or two), that's a whole lot of dough for a few hours of bread and wine. (See also: Cheap Ways to Get These 8 Expensive Indulgences)

1. SubliMotion, Spain — $2,173 Per Person

Topping the list is SubliMotion, a restaurant located inside the Hard Rock Hotel in Ibiza. At over two grand per person, for just a few hours of dining, you know this is an experience only the very wealthy can afford. If you somehow want to blow your savings on the experience, you can expect a 15–20 course meal, based in the art of molecular gastronomy. Not only that, but this sensory experience marries the meal with music, visual stimulation, art, and hi-tech headsets. The reviews are stunning, but of course, for that kind of money, they should be.

2. Aragawa, Japan — From $370 Per Person

If you like the finest steak, Aragawa could be one to put on your bucket list — if, of course, you happen to be in the Shinbashi district of Tokyo. You would think the price alone would make it relatively easy to get a table, but think again. It can take months, or longer, to get a reservation. The reason is the Wagyu beef (more commonly known in the U.S. as Kobe), which comes from just one local farm. The process to raise the Tajima cattle is long and painstaking, resulting in the high prices. But one thing is for certain — no one who has ever tried it has said it wasn't worth the price.

3. Maison Pic, France — $442 Per Person

Following in the footsteps of her famous chef father and grandfather, Anne-Sophie Pic is continuing the tradition of high-quality, multi-course dining in the heart of Drôme, France. As you can expect from a three-star Michelin restaurant, the menu is mouth-watering. From squab and candied turnips, to Banon goat cheese Berlingots, and melt-in-your-mouth chocolate desserts, it's an experience you'll never forget. And neither will your bank balance.

4. Restaurant Gordon Ramsay, London — $178 Per Person

Compared to the first restaurant on the list, a meal at Restaurant Gordon Ramsay seems like a bargain. But of course, when you factor in wine, tip, and other additions, you're still looking at around $500 for a meal for two. One of the many restaurants of the infamous chef Gordon Ramsay, this is his signature location. Your three course meal will consist of modern French cuisine, including pan-fried sea scallops, sautéed foie gras with roasted veal, and Cotswold lamb. Oh, and don't worry about Ramsay's temper. With so many restaurants around the world, and all of his TV shows, it's doubtful you'd ever see him make an appearance.

5. Masa, New York City — $600 Per Person

Masa is not just expensive; it's often considered overpriced, and simply a chic hangout for Hollywood A-Listers and fat cat businessmen. It's a Japanese sushi restaurant opened by renowned chef Masa Takayama in 2004. Expect to pay $45 for a single scoop of ice cream, $240 for maki rolls, and $60 for grilled scampi. What's the draw? The food is good, but really, it's the company. People come here to rub shoulders with the elite, and to prove a point. This is the restaurant for the 1% of the 1%, and while it may be a luxury you and I can afford once, this is a regular hangout for the rich and famous.

6. Ithaa Undersea Restaurant, Maldives — $320 Per Person

For a dining experience that is a feast for the eyes, as well as the palette, you could try Ithaa in the Maldives. Sitting 10 feet below the surface of the Indian Ocean, surrounded by sea life and coral, this small venue accommodates just 14 guests for lunch, dinner, or cocktails. Expect mascarpone and truffle dumplings, lobster Carpaccio, and agnolotti of duck. Considered one of the most beautiful restaurants in the world, you won't have an easy time getting a reservation. But when you finally do, it is considered an experience unlike any other.

7. Alain Ducasse at the Dorchester, London — $343 Per Person

Back to London again, and more modern French cuisine. But this is double the price of a meal at Ramsay's eatery. Located in London's famous Dorchester hotel, Alain Ducasse is a three Michelin star restaurant serving exquisite food to diners with deep pockets. The Black Truffle Menu is a seven-course meal costing $343 a head, but if you want to "slum it" you could try the A La Carte menu. For $136 each, you get a starter, main course, and dessert (service charge not included).

8. Restaurant Crissier, Switzerland — $375 Per Person

The fine dining establishment of the late chef Benôit Violier and his wife Brigitte, Crissier is highly rated by all who eat there. Located in a gorgeous setting, and staffed by a team that makes everyone feel like royalty, Crissier offers a wide array of dishes to suit many palates. Roast saddle of suckling lamb, purple sea urchin, duck foie gras, and wild turbot are all in the $375 menu. If you're in a hurry, you can get a quick lunch for just under $200 per person.

9. Misoguigawa, Kyoto — $168 Per Person

The least expensive restaurant on the list, but still incredibly expensive by the average American's standards, Misoguigawa blends two styles of cuisine — French and Japanese Kaiseki. The result is a truly original and exhilarating experience for lovers of either cuisine, and the rave reviews across multiple food blogging sites back that up. If you're feeling extravagant, you can try the more expensive $270 per person menu; but you must call and reserve this at least five days in advance. On the menu, beef filet with potato soufflés, buttered French beans, and roasted pumpkin.

10. Plaza Athénéé, Paris — $550 Per Person

Another restaurant of esteemed chef Alain Ducasse, Plaza Athénéé is located in the city of romance; but you are not going to love the price. Seated below chandeliers comprised of 10,000 glimmering crystals, the dining room itself is a work of art. The menu consists of rare ingredients, and a plate of steamed langoustines with caviar costs over $260 alone. One of the most expensive restaurants on the list, but as it's set in one of the most beautiful cities in the world, it's also one of the most desirable.

What's the most you've ever paid for nice dinner out?

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 "Free" Things That Aren't

Paul Michael — Tue, 26 Jan 2016 18:00:03 +0000

Free has to be one of the most abused words in the English language. It's become so bad that we are always skeptical, and look for asterisks or legal copy to see what the catch is. But, even when there doesn't appear to be one, free is not always what it's cracked up to be.

Here are eight instances when something free may end up costing you in the long run. (See also: 20 Ways to Entertain Your Kids for Free)

1. Free Shipping

As an occasional eBay seller, I know the power of free shipping. In fact, one of the most popular ways to sort products on eBay is to click the box that says "free shipping."

When researching this, I discovered that it was better to charge $19.95 for a product and offer free shipping than it was to charge $14.95 and $3.95 shipping. As you can see, the latter is actually the better deal — but people don't see it that way. So the next time you are looking at deals online, do some comparison shopping — especially on eBay. You will find that on many occasions, identical products work out cheaper when you actually opt to pay separate shipping.

2. Free Checking

Many banks will lure you in with free checking, but don't sign on the dotted line until you really understand what's being offered. For instance, my "free" business checking account comes with a $15 monthly service charge if I don't pay at least three bills each month using the bill-pay service. That one was news to me.

You can also find a whole host of fees that you will have to pay to handle your money, ranging from wire transfer fees and checkbook costs to ATM fees, minimum balance fees, and others. Oh, and the second you go into the red, expect to be hit with a whopping fee (usually around $35), even if it was only by a few bucks for a few hours.

3. Free Big Prizes

We're not talking about winning a couple of tickets to a show or an mp3 player. If you are lucky enough to win something big, like a home, fancy vacation, or a car, be prepared for the cost implications that will follow. The big problem being taxes.

For instance, many people on the show Extreme Home Makeover were thrilled to see their old home become an extravagant mansion. But once the cameras had gone, they were left with massive property taxes, big energy bills, and steep insurance hikes. Their financial circumstances didn't change to cover those costs, and they either had to sell, take out a home equity loan, or in some cases, declare bankruptcy. If you win a big car, or dream vacation, you will have to declare this to the IRS. So, be careful before saying yes to anything like this. It may be a dream come true, but can you afford it?

4. Free Pets

You see them advertised on Craigslist, local ads, and even in the break room at work. Someone's pet has a litter, and they want the kittens or puppies gone quickly. Hey, a free puppy, that's great! Well... yes and no.

Your new addition will need a lifetime of food, care, and veterinary visits. Right off the bat, you'll have to pay to have your "free" pet vaccinated and spayed or neutered. If you choose a puppy that will grow into a large breed, you can expect to pay hundreds each month for food. And if your pet gets sick, the vet bills can be insanely expensive. If you want to avoid that, pet insurance is another hefty monthly cost. The big question is, do you have the financial stability to accept a free pet?

5. Free Hotel Breakfasts

"Hey look, it says here we get a complimentary breakfast every morning!" Actually, you've already paid for it. No hotel would stay in business by giving away tens of thousands of dollars in food and beverages every single day.

The simple fact is, the cost of that breakfast is incorporated into the price of your hotel room. For example, instead of charging you $135 per night, the hotel charges $150 per night and includes "free" breakfast. Of course, if you're smart and book the hotel with a price comparison website like Hotels.com, you may get the room for way less than the advertised price. In that case, the other guests are paying for your free breakfast.

6. Free Meals/Tickets for Listening to a Pitch

You know the saying, "There's no such thing as a free lunch?" Well, sometimes it's spot on. In this instance, you're asked to listen to a sales pitch in exchange for a free meal, tickets to a show, or even a free vacation. Sounds like a good deal, but it isn't.

It turns out you have to spend at least 45 minutes of your time listening to a pitch about timeshares, or investment opportunities, or new baby products (yes, this happened to me once). And once the presentation is over, you will be given the hard sell — the super hard sell. These people don't like to give away free meals or show tickets without converting enough people into customers to make it worth their while. So ask yourself, is your time free? Because you are paying for your "free" gifts with it.

7. Free Extra Gadget — Just Pay Shipping and Handling

You can already see the conflict in that statement. Many times on TV you will see those very sales-y infomercial products. After being blasted for 90 seconds about all the amazing things it can do, you are suddenly surprised with the fact that the order will be doubled if you call now. And, very quickly, a voice says, "Just pay shipping and handling."

Well, guess what. You're actually paying for that extra gadget. In fact, the whole pricing model is based on the cost of selling two items to you, not just one. The additional shipping and handling fee is a nice little bonus on top, as the cost of shipping was already calculated in the original cost of the product. It's all smoke and mirrors, but it's a very effective way to get people to buy. And, if you want to test the theory, call and ask to buy just one of the product at half the cost. You won't get very far.

8. Free Stuff on Craigslist

Many people I know like to browse through the "free" section on Craigslist in the hope of snagging a real bargain. Most of the time, what's being offered are items that are either too difficult or too costly for the owners to dispose of themselves.

From time to time, you will find something decent on there. But before you say yes, remember it's not actually free. You have to go and pick up the item, which means you're spending money on fuel, putting miles on your car, and of course, using your own time (which is valuable). You may also need to repair the item in question. A good example I saw recently was a movie projector. Offered free, because it needed a new bulb that cost almost $100. So, do your research, ask questions, and see if the free item is actually worth your time and money.

What free things have you picked up only to regret the actual cost later?

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

12 Lessons in Manners From Around the World

Paul Michael — Mon, 25 Jan 2016 12:00:08 +0000

"Mind your manners" is an expression many of us heard while we were growing up. But depending on where you're from, those manners can vary greatly.

Recently, my kids were watching Indiana Jones and the Temple of Doom, and pointed out that it was "disgusting" when the guests belched loudly during the meal scene. But I had to let them know that, in some cultures, this is not rude at all. It's just one of many lessons in manners we can learn from other cultures. Here are 11 more. (See also: 10 Rules of Etiquette Everyone Should Know)

1. The Belching Compliment — Eastern Culture

Letting a big burp rip after a meal is not considered rude by many people on our planet. In fact, in places like Turkey and Saudi Arabia, it is perfectly acceptable to burp after your meal, which tells the chef you ate plenty and enjoyed every bite. It can even be considered rude NOT to burp in the homes of those who have gone to a lot of effort to make you a great meal. It's a case of don't say it, prove it. And nothing says, "Boy, did I stuff my face," like a big loud belch and a rub of the tummy.

2. Spit to Say Hello — Sub-Saharan Africa

This infamous scene from Ace Ventura: When Nature Calls was inspired by the customs of the Maasai Tribe, located in Kenya. While most countries consider spitting very rude and unhygienic (it could very easily transmit disease), the Maasai Tribe use it as a form of affection, good luck, or reverence. They will spit when they greet each other as a sign of respect. A father will spit on his daughter when she is married, to bring good luck and prosperity to the marriage. And the tribe will spit on newborn babies, to ensure the young child will not be cursed. Yes, to us it seems odd, but it's safe to say that many of our ways will seems equally as bizarre to the Maasai.

3. Don't Shake With the Left Hand — The Middle East

Although most of us shake with our right hands anyway, it would not be considered terribly rude or offensive to extend the left hand in a greeting. But in the Middle East, this is quite an insult. In this culture, the hands have specific functions. The right hand is used for eating, and the left hand is reserved for wiping after using the bathroom. Knowing this, by offering your left hand, you are offering the hand that, even though clean, is associated with an act that is not. If you ever find yourself in the Middle East, and you're left-handed, make sure you lead with the right hand... every time. And of course, don't eat with your left hand, for the same reasons.

4. To Tip Is to Offend — Japan

In many countries, tipping is not the common practice that it is in America. In my home country of England, for example, you tip when the service is exceptional, or you genuinely like the person who is providing that service. This is because the wages of staff are not based on tips, and so, they do not depend on them.

However, in Japan, tipping is actually considered to be insulting. By tipping, you are basically saying, "Hey, here's some extra money. Go and get some training, because you need it." If they don't believe you're being rude, they can also be very confused by the extra money, thinking you have overpaid. Whether it's a taxi driver, a server, or a bellhop, don't tip in Japan. It's not good manners.

5. Never Show the Sole of Your Shoe — Arab Culture

You may remember an incident involving former President George W. Bush and Muntadar al-Zeidi, in which the latter threw his shoe at "Dubya." For many of us, the response was one right out of Austin Powers. "Who throws a shoe, for goodness sake?" But, in Arab culture, it was a significant show of disdain. Showing someone the sole of your shoe is highly insulting, be it sitting with one foot perched on your knee, or reclining with your feet facing your host. The shoe is considered unclean, especially the sole, which is why is must be removed before entering places of worship, homes, and other buildings.

6. Slurp Your Food to Express Delight — China

Noodle dishes are popular everywhere, but how to show your enjoyment of them varies. In Western culture, we eat as silently as possible. Making any kind of noise is considered rude to those around us.

In China, it's the opposite. If you are greeted with a delicious noodle meal — anything from ramen to laksa — you should slurp for all you're worth. It may even seem difficult to do at first, but it's considered a great compliment to the chef who prepared your meal. Slurping is the equivalent of saying, "This is absolutely delicious. My compliments to the chef," after your first bite.

7. You Invite, You Pay — Ghana

Be careful about casual invitations to drinks and meals if you're ever in Ghana. You may say something like, "Hey, you guys want to grab drinks later?" and think nothing of it. But make sure you bring plenty of money to cover it. When you do this, you are saying, "Hey, I'm buying drinks for everyone later, tonight's on me!" If you invite people out and don't pay, it is considered extremely rude, and you may lose a few friends over it.

8. Avoid the Salt Shaker — Egypt

The chances are, you won't find one on your table anyway. But if you feel the need to ask for salt, you may want to prepare for some mean looks coming in your direction. Asking for salt is telling the chef that he or she didn't season the dish correctly, and you are now going to right that wrong. You may as well slap the host in the face and say, "This tastes awful."

9. Never Fill Your Own Glass — Japan

Here, as in most countries, you pour your own drink when you're thirsty. In Japan, this is considered greedy, narcissistic, and even anti-social. In other words, you are being incredibly rude by pouring your beer, wine, or sake into your own glass. Instead, it is proper to pour for other people at the table first, and they will in turn reciprocate the gesture. If you finish your glass before others do, simply top them off, and you will get the same treatment.

10. Be Late, Be Polite — Venezuela

As someone who tries to get to my destination a few minutes ahead of time, this one baffles me. Being late is something I personally consider rude and selfish; you are literally wasting people's time.

However, this is not the case in Venezuela. If you show up on time, or early, you are looked upon as being much too eager; or in the case of an event with food and drink being served, much too greedy. You should plan to arrive 15-20 minutes after the event is scheduled to begin. Unless, of course, it's something like a concert or funeral.

11. Avoid Bringing Wine to a Dinner Party — France

Bringing a bottle of wine to the party is considered good manners in many places, but not so in France. The home of great wine, and people who know a lot about it, French homes take pride in their wine selection. By bringing a bottle of wine to the party, you are implying that the wine they have to offer simply isn't good enough. Instead, it's advisable to bring some flowers (not yellow, as this suggests an unfaithful partner) or sweets.

12. The "OK" Sign Is Not Okay — Germany, South America, Turkey

"How are you doing?" is a question that can often be answered with the okay sign: touching your forefinger and thumb together to represent the letter "O." However, in some countries, this gesture is the height of bad manners, and could get you into a physical altercation. It can be seen as a sign that represents the anus, or it's as insulting as flipping the bird is here. Specifically in Turkey, it is a sign that tells someone they are gay, and not in a nice way.

Have you encountered interesting manners and customs around the world? Share your stories in the comments below.

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

12 Entry Level Jobs With Surprisingly High Salaries

Paul Michael — Wed, 20 Jan 2016 12:00:03 +0000

Many of us leave school knowing it will take several years to achieve a decent standard of living. There is a ladder to climb, and we all know we have to start on the bottom rung. However, there are some professions that offer hefty paydays the second you enter the field. Here are 12 careers that can pay big bucks from day one.

1. Video Game Designer

For some people, this is a dream job — working all day on video games, and being paid handsomely to do so. And what's more, a bachelor's or associate's degree is not always required. This is a case of "if you've got it, flaunt it," and many people these days are already programming their own games at home. The job requires not just aesthetic design capabilities, but also coding, development, and testing skills. This is a combination that is often hard to come by, with most designers having poor coding skills, and vice versa. But for those with the chops, it can pay dividends. An average entry-level salary of almost $60,000 is easily achieved, with the best of the best earning six figure salaries in the very first year.

2. Air Traffic Controller

Make no mistake, the job of an air traffic controller is extremely stressful. In fact, if you do a quick search for "air traffic controller" and either "stress" or "suicide," you'll be shocked at the results you get back. These professionals literally have hundreds of thousands of lives in their hands every day, and one misstep could result in tragedy.

This, of course, is why it is such a high paying job, with an entry level salary above $64,000. Duties include: coordination of arriving and departing aircrafts, authorizing flight path changes, providing up-to-the-minute weather updates, and dealing with emergencies. After a few years, the salary can climb to $120,000 or more. (See also: 11 Jobs With High Earnings and Growth)

3. Nurse Midwife

For those with a compassionate nature — who have no problem seeing blood — the job of a nurse midwife can be very lucrative. Working closely with OB/GYN professionals, the nurse midwife will assist in all stages of pregnancy, including labor and delivery, and postpartum care. Nurse midwives are in greater demand due to the rise in parents who want a more natural delivery, and who also want someone on hand that they share a special, trusting bond with. The position requires a post-graduate degree in nurse midwifery, but as the starting salary is so high (over $80,000 to start), the education loans can be paid down relatively quickly. A six figure salary within a few years is very achievable.

4. Computer Hardware Engineer

If you have a way with technology, a mind for mathematics, and can see yourself working with circuit boards and computer systems, this is the job for you. As a computer engineer, your primary responsibilities include: designing and developing computer hardware and systems, creating circuit boards and computer chips, and supervising the manufacturing and production of parts. It's a complex job that requires a degree, but it's well worth it. With a starting salary of around $65,000, rising to $100,000 in just a few years, this is a job that blazes the technological trail. And as the demand for computer technology is only going to increase, it's a stable job that will let you live a very comfortable lifestyle.

5. Podiatrist

How much do you like feet? For many, it's not the most attractive part of the anatomy, but the lure of a big payday can change that opinion. Few professions offer six figure salaries for newbies, but podiatry is one of them, giving entry-level professionals over $100,000 per year. It's hard work, and can often have demanding hours, with daily duties that include diagnosing and treating foot diseases, injuries, and deformities, a well as performing complex surgeries. More money can be earned by specializing in sports injuries, especially for major sporting teams. But of course, a doctorate is required to enter the field, and that can take many years to acquire.

6. Dentist

If feet aren't your thing, maybe you could consider dentistry. As Payscale points out, not only is the entry-level salary very high, but bonuses and benefits can top that first year salary out at almost $180,000 per year. For most of us, that's an income we one day dream of having. Just like any other medical profession, this is not a career you can just fall into. It takes years of training, and a bachelor's degree is required before admittance to dental school. Once there, it takes another four years to become certified and licensed, which requires both a written and practical examination. But, for those willing to put in the hard work, the benefits are extraordinary.

7. Psychiatrist

You're no-doubt familiar with the names Sigmund Freud, Carl Jung, or Hermann Rorschach. These were pioneers in the field of psychiatry, which has become a multi-billion dollar business today. Payscale data shows that not only are psychiatrists handsomely paid in the first year of practice (starting over $80,000), but more professionals are women than men (53% to 47%). The steps to becoming a certified psychiatrist are long and arduous, however. Not only do aspiring psychiatrists need to have a bachelor's degree, but they then need to take a medical college admissions test, complete a doctorate, complete a residency, and then get licenses and certification.

8. Actuary

If you are unsure what an actuary does, it can be summed up in one word: risk. Actuaries use skills in mathematics, statistics, and financial theory to study unforeseen events. As you can imagine, this is a skill that is highly prized by insurance and pension companies, who base their business models on the unforeseen. Obviously, the profession requires a proficiency in mathematics, statistics, and analytical skills. Good actuaries also require high technical abilities, good communication and presentation skills, and a "studious nature." Starting salaries for actuaries range from $50,000–$60,000.

9. Landscape Architect

For those with a love of the outdoors, and a passion for creating beautiful scenery, landscape architect is a position well worth looking into. However, this is not a career that can be done simply be having a green thumb and an eye for details. Landscape architects usually have at least a bachelor's degree in this field, and more often than not, a master's degree as well. A good knowledge of geology, urban planning, landscape ecology, and soil science is essential. And these days, proficiency in computer-aided design software is a must. But, it can pay off. First year salaries average around $45,000, with bonuses and benefits boosting that to almost $60,000. Those with great talent can expect to earn stellar salaries in the coming years, especially if they work with high-end retail outlets, country clubs, or wealthy estates.

10. Pharmacist

The next time you have your prescription filled, take a look at the person in charge behind the counter. It may very well be someone quite young, and yet, they are already earning a significant salary. Pharmacists, on average, earn around $103,000 in their first year on the job. Once again though, this kind of high-end salary does not come without sacrifice. Pharmacists require a great deal of training — typically a bachelor's degree with a focus on organic chemistry and biology — before entering a four-year "PharmD" program. After that, even more tests are required, as well as a license to practice in a specific state.

11. Market Research Analyst

Advertising agencies, product development companies, and most corporations, find market research analysts invaluable. The job is self-explanatory, with entry-level professionals being expected to study products and services, determine pricing, analyze future trends, increase demand, develop rebate programs, and many other facets of marketing and research. A bachelor's degree in this subject, or a closely related field, is required. It can be a very satisfying job for those with a penchant for crunching numbers, analyzing patterns, and working with focus groups. And of course, the starting salary, just shy of $50,000, is not to be scoffed at.

12. Pharmaceutical Sales Representative

Although a bachelor's degree in sales or marketing is beneficial in this field, it's not essential. What is, however, is salesmanship, charisma, assertiveness, and the ability to close a sale. In fact, prior evidence of great sales in another industry is often all that is needed, from cars and homes, to food, and even farming supplies. Pharma sales reps often have to travel a great deal, selling products to customers around the country. They need a good head for technical details, exceptional interpersonal skills, and a way with numbers. With this, and on-the-job training, pharma sales reps can easily earn over $50,000 in their first year alone, with many earning beyond $85,000.

Did we miss any other high paying entry level jobs on this list? Share with us in the comments below!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: