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While owning a house is a huge milestone in your life, it’s important to remember that your house represents a debt that you still owe. Over the journey, you’ll fork out a large payment each month and ultimately pay thousands of dollars in interest.

But by paying off your home faster, you could potentially save thousands of dollars in interest fees — not to mention, you’ll no longer have that enormous debt hanging over your head!

Money doesn’t fall from the sky, so you’ll need to find it somewhere in your budget. Here are a few creative tweaks that could help you pay off your house faster.

1. Swap Out Your Auto Insurance Policy With a Much Cheaper One

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Like many people, you’re probably overpaying for car insurance. Simply finding a cheaper policy could potentially save you hundreds of dollars every year. That’s money you could be putting towards your house!

The problem is, no one enjoys shopping for car insurance. It’s time-consuming and you’re often hassled by agents over the phone.

Not with EverQuote. This insurance comparison site will actually do all of the shopping for you.

Provide a few simple details about your vehicle, and in just two minutes, EverQuote will gather multiple quotes for you. You’ll often get rates from companies you’ve never heard of or companies you’ve never thought to research!

This service is fast and free to use. Check out your rates with EverQuote today and find out how much you could be saving on auto insurance! EverQuote can even make the switch for you, making things super easy.

2. Potentially Save Thousands on Your House With This Company

fran hogan on Unsplash

One of the best ways to pay off your house faster is to refinance your home — a move that could potentially save you thousands of dollars in interest.

While this might sound like a complicated task, it’s not. The process of mortgage refinancing is as simple as getting a new loan with a lower interest rate and better terms to replace an existing loan.

And with Figure, you could find a new loan in a matter of clicks. This online lender lets you check your rates for free, and without any impact to your credit score.

What’s more, Figure has a 100% online application form that allows you to apply with little effort. Once you’re approved, Figure will help you close out your new loan quickly so that you can start saving on your home!

To find out how much you could be saving on your home and how much faster you could be paying it off, check out your mortgage refinance rates with Figure today!

Figure is currently only available in AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, and WV.

3. Ask This Site to Get You a Cheaper Homeowners Insurance Policy

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As a homeowner, your house isn’t your only home-related expense. There’s also homeowners insurance — a necessary expense that protects your possessions, but one that you’re probably overpaying for.

With EverQuote, you could find a cheaper homeowners insurance policy in two minutes. This could potentially save you hundreds of dollars each year to put towards your home!

This insurance comparison site does all of the shopping for you. Just provide them with a few details about your vehicle and they will find you multiple rates to compare — sometimes from companies you’d never thought to check out.

And get this — the service is free to use and EverQuote can make the switch for you! Try EverQuote today to determine how much you could be saving on homeowners insurance!

4. Leave Your Family With Up to $8 Million

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If you were to pass unexpectedly, would you be leaving your family with the debt tied to your house? While you might have some money in savings, it’s probably not nearly enough to pay off your home and provide for all of your family’s expenses.

That’s why life insurance is so important. With a payment of up to $8 million, your family could pay off the house and have more than enough to cover any expenses.

With Ladder, getting life insurance is both affordable and fast. Policies start at just $12 a month, and Ladder will give you a free quote in minutes.

And get this — Ladder lets you lock in your rate so that you keep paying the same affordable premium as you age and your health begins to decline. Because life insurance is typically cheaper when you’re young, there’s no better time than today to get a policy!

The company offers coverage up to $8 million and you can get your free quote from Ladder today in just 5 minutes without picking up the phone, filling out paperwork, or providing a medical exam. Don’t wait to protect your family’s financial future!

A Few Smart Adjustments Can Go a Long Way

Paying off a house can be a daunting task. But with a few smart cuts to your expenses, you could easily free up some extra money to put towards your home.

The good news is that these top ways of finding extra money might only take a few minutes of your time, yet they may help you pay off the largest of all your debts much faster. Make these adjustments today and pay off that house of yours!

The post 4 Top Ways To Pay Off Your House Faster appeared first on Wall Street Insanity.

CDC

The COVID-19 pandemic has had a drastic impact on the physical, mental, and financial wellbeing of so many. But now, with a vaccine being well and truly circulated throughout the country, many people are anticipating that things will return to at least some sense of normality.

With the vaccine, you might be a little more hopeful than you were yesterday. Now is as good a time as ever to look optimistically toward the future and make smart financial decisions for you and your family.

Here are 11 money moves you can make during life post-vaccine.

1. Give Your Family Up to $1.5 Million

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The coronavirus pandemic has reminded us all of our own mortality. If you were to pass unexpectedly, would your family have enough money to pay the bills?

You might assume that you have enough money in savings. But while savings is important, you might be underestimating just how much money is needed. With a life insurance policy that leaves your family with up to $1.5 million, however, you could rest assured that they would have enough.

With Bestow, you can get coverage between $50,000 and $1,500,000, and policies start at just $16 a month.

And get this — because life insurance is typically cheaper when you’re young, you can lock in your rate today and enjoy the same low premium as you grow older and your health starts to decline.

What’s more, Bestow makes it easy to get life insurance. Without filling out paperwork or leaving your couch, you can get a free quote from Bestow in seconds. As the company uses non-commissioned agents, you can get the assistance you need without fear of being upsold or hassled!

2. Switch to a Cheaper Auto Insurance Policy

Joey Banks on Unsplash

There were many people who put fewer miles on their cars last year, largely due to the pandemic. But regardless of whether you drove less, more, or roughly the same as last year, you’re probably still overpaying for car insurance.

EverQuote is an insurance comparison site that takes the pain out of shopping for a new policy. Simply provide a few details about your vehicle and the site will actually do the shopping for you — finding you multiple rates in just two minutes.

Finding a cheaper policy could potentially save you hundreds of dollars each year on car insurance.

Find out how much you could save by shopping with EverQuote today!

3. Potentially Save Thousands of Dollars on Your House

Pixabay on Pexels

Your home is probably your largest investment and your largest opportunity to save money. Even cutting your interest rate by 1% could result in thousands of dollars back in your pocket!

By refinancing, you might be able to do just that. Refinancing is the process of replacing your current home loan with a new loan that, ideally, has a lower interest rate and better terms.

Sound easy? With Figure, it is. This online lender will let you check your rates in only a few clicks and this won’t even affect your credit score!

Using Figure’s 100% application form, you can apply for a loan quickly; and once approved, the company will help you close it out so that you can start saving right away.

Check your mortgage refinance rates with Figure today and see just how much you could be saving on your house!

Currently, Figure is only available in AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, and WV.

4. You Could Switch to a Cheaper Homeowners or Renters Insurance Policy in Minutes

Sidekix Media on Unsplash

When was the last time you checked your homeowners or renters insurance rates? For many people, there are cheaper rates floating around but they just don’t know where to look.

With EverQuote, you can get multiple quotes at once with very little effort. Here’s how it works — you provide a few details about your home and this insurance comparison site will find rates from various companies for you to compare.

This service is free to use and could help you make the switch to a cheaper policy in minutes.

Try EverQuote today and find out how much you could be saving on homeowners or renters insurance!

5. Business Owners, You Could Get a Free $300 Advertising Credit to Reach New Customers

Yelp

Finding new customers isn’t easy. But maybe you’re making it harder than it needs to be by searching in all of the wrong places.

Instead, consider that many potential customers might already be looking for you —online.

Yelp is one of the largest online directories in the world, and millions of customers use the platform each month to search for restaurants, home services, healthcare providers, and all kinds of businesses.

When your business signs up with Yelp, not only will you be able to reach more customers online but you’ll also get a free $300 advertising credit to start!

Over 29 million businesses, including many of your direct competitors, are already using Yelp to find new customers. Keep up with them and even get ahead of the competition by advertising on the platform.

Sign up with Yelp today, get your free $300 advertising credit while this offer lasts, and start finding more customers for your business!

6. Diversify Your Investments With Art

Vlad Kutepov on Unsplash

We all witnessed how the stock market was impacted due to the pandemic. This was yet another reminder that it’s wise to diversify your investments — looking beyond just the stock market and finding other ways to potentially grow wealth.

For years, blue-chip artwork was a market — one that, according to ArtPrice, outperformed the S&P by over 250% from 2000 – 2018 — that only the ultra-rich could invest in.

Masterworks makes it so that anyone can invest in a portfolio of top-tier art pieces that have been curated by the company’s research professionals.

Once you invest, you can wait for Masterworks to sell the art over the next 3 – 10 years, or you can opt to sell your shares on the platform’s secondary market.

For a small management fee, you’ll get professional storage, insurance, and administrative costs covered, plus more!

Request your invite for membership with Masterworks today to start investing!

7. You Could Leave Your Family Up to $8 Million

Jimmy Dean on Unsplash

At your age, life insurance may not be at the top of your mind. Maybe you’re even banking on your savings to provide for your family if something were to happen to you. But in reality, your savings probably only scratches the surface of what is needed.

This is why life insurance is so important, at any stage of life! But here’s where it’s critical for someone your age to get life insurance — the older you get, the more costly life insurance becomes. So, there’s no better time than today to get a policy.

And with Ladder, it’s easy. All you need is a few minutes to complete the company’s application form, and you won’t even need to provide a medical exam or fill out physical paperwork.

Plans start at just $12 a month — a price that most people can afford. Plus, Ladder offers coverage up to $8 million. That’s more than enough to make sure your family is taken care of if you were to pass unexpectedly.

Your premium might be higher tomorrow, so don’t wait to get life insurance. Apply for Ladder life insurance todayand find out how affordable life insurance can be.

8. You Could Use Your Home to Get Access to Up to $250,000

Rowan Heuvel on Unsplash

Being a homeowner has its perks. One of the more overlooked opportunities is the ability to get access to money that can be used for all sorts of purposes — fixing up your home, paying medical bills, or funding a family vacation!

That’s exactly what you get with a HELOC (home equity line of credit). A HELOC is a low-interest loan that uses the equity in your home as collateral.

Figure is an online lender that could help you get up to $250,000 against the equity in your home.

Plus, they make the process incredibly easy. Their application is 100% online application and it takes only 5 minutes to fill out. If you’re approved, you could get your funds in as little as five days!

Learn more about Figure and how your can use your status as a homeowner to get the money you need!

9. You Could Get Free Credit Monitoring with This Company

Shutterstock

Whenever you need to borrow money, your credit score typically impacts how much you’re able to borrow and the interest rate you’re able to get.

So, the higher your credit score, the better. And regardless of how old you are, you can always take steps to improve it.

Credit Sesame is a site that equips you with all sorts of important tools to help you on your journey towards better credit. They give you credit score monitoring, product recommendations, ID theft protection, and much more — and it’s free to use!

More than eight million people are currently using Credit Sesame to improve their credit scores. You can, too. Simply take 90 seconds to create an account.

Sign up for Credit Sesame today and raise that score!

10. You Could Save Up to $1,000 with This Simple App

Truebill

At your age, you’re no stranger to the bills and expenses coming out of your checking account each month. But that doesn’t mean it’s easy to track all of these items.

Truebill could help you out in a huge way. This app shows you all of your expenses in one place, and with your permission, will actually cancel the ones you don’t want!

But that’s not all. Truebill even negotiates bills for you. Rather than spending hours on the phone arguing over your cable bills, phone bills, and more, Truebill will do the heavy lifting for you — working to negotiate better rates so that you’re saving both time and money every month.

All in all, these changes could quickly save you up to $1,000 a year. All you have to do is download the Truebill app today!

11. You Could Potentially Save Thousands on Your Student Loans with This Site

Pixabay on Pexels

Tired of being in student loan debt at this point in your life? You could potentially get out of debt faster and pay less in interest fees simply by refinancing your student loans.

Refinancing is the process is replacing one or more loans with a new loan that, ideally, has a lower interest rate and better terms.

And with Credible, you could refinance your student loans quickly and potentially save thousands of dollars.

It’s easy to get started. Simply fill out the site’s online form, and in 2 minutes, they will show you up to 11 student loan refinance offers in one place. And get this — this check won’t even affect your credit score!

When you apply, approved, and close out your new loan, you’ll even get a welcome bonus of up to $300. Check your student loan refinance rates with Credible today to get started!

Inject Your Finances with a Few Smart Money Moves

With much of the pandemic’s financial impact in the rearview, you can finally start looking toward the future again.

Rather than being preoccupied with your financial health in the here-and-now, you can start making money moves that will impact your life 10, 20, and 30 years from now!

*Wall Street Insanity is a paid affiliate/partner of Stash. Promotion is subject to Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must complete the following steps: (i) click through the link above, (ii) successfully open a Stash Invest Account (otherwise known as your personal portfolio) in good standing, (iii) link a funding account (e.g. an external bank account) to your new Stash Invest Account, AND (iv) initiate and complete a deposit of at least five dollars ($5.00) into your Stash Invest Account.

(*1)Bank Account Services provided by Green Dot Bank, Member FDIC

(*2)Stash banking account opening is subject to identity verification by Green Dot Bank. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash. Bank Account Services provided by Green Dot Bank and Stash Visa Debit card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

The post 11 Money Moves For Life Post-Vaccine You Need To Look At appeared first on Wall Street Insanity.

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People are falling ill. Workers are being laid off. Stores are running low on supplies. The stock market is taking a nosedive.

Needless to say, we’re facing some pretty tough times, as this global pandemic continues to spread and wreak havoc.

But as is the case during any crisis, there are silver linings. As a homeowner, you have a unique opportunity to not only offset the damage caused by the coronavirus, but also get a handle on your mortgage and set your family up for the future.

So, while you’re self-quarantining and perhaps figuring out what to do with a little extra time on your hands, here are 7 money moves you can make!

1. You Could Leave Your Family Up to $8 Million

Thiago Cerqueira on Unsplash

You might not have a million dollars right now, but you might be able to give your family a million dollars by applying for a term life insurance policy. And it may not even cost you all that much.

Because you’re relatively young, life insurance might not be on your radar. But it should be, and here’s why — the longer you wait, typically the more expensive life insurance becomes.

And with Ladder, it’s easy. All you need is a few minutes to complete the company’s application form, and you won’t even need to provide a medical exam or fill out physical paperwork.

Plans start at just $12 a month — a price that most people can afford. Plus, Ladder offers coverage up to $8 million. That’s more than enough to make sure your family is taken care of if you were to pass unexpectedly.

Your premium might be higher tomorrow, so don’t wait to get life insurance. Apply for Ladder life insurance today and find out how affordable life insurance can be.

2. Get Rid of Your Auto Insurance Bill for The Car Sitting In The Garage

Jesse Zheng on Pexels

The next bill you might be able to reduce, your auto insurance bill!

Let EverQuote tell you in two minutes if this is possible. This site will return multiple auto insurance quotes in one place.

That’s a lot of time-saving. Just fill out a quick questionnaire.

If you find cheaper insurance than you currently have, it can help make the switch super easy.

It might save you hundreds of dollars a year.

See your rates now.

3. Get Rid Of Your Overpriced Home or Renters Insurance

NeONBRAND on Unsplash

Cutting every bill is as important as ever. Do you know if you’re paying too much for your home or renters insurance?

EverQuote may have the answer and could save you hundreds of dollars a year.

It’s a well-known home insurance comparison site that will compare multiple insurance companies offers for you in just a couple of minutes.

You’ll get to see everything in one place which is a huge time saver and a potentially huge money saver too.

Get a free quote now.

4. You Could Potentially Save Thousands on Your House With This Simple Move

Pixabay on Pexels

Your house is probably your biggest investment, which means it’s also one of your greatest opportunities to save money.

By refinancing, you could potentially save thousands of dollars on your house. Here’s how it works — you find a new home loan that, ideally, has a lower interest rate and better terms, and then use it to replace your current home loan. Sounds simple enough, right?

Because it is. And with Figure, you can check your mortgage refinance rates in just a few clicks without even impacting your credit score!

Find a loan with a lower interest rate and apply with Figure’s 100% online application. Once you’re approved, Figure will help you close out your new loan quickly so that you can start enjoying your new savings as soon as possible.

To start, check your mortgage refinance rates with Figure today and find out how much you could be saving on your house!

Figure Mortgage Refinance is only available in the following states: AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV.

5. Get Rid Of Credit Card Debt

Avery Evans on Unsplash

One thing every smart money handler knows, is that paying credit card interest is like burning money. Credit cards often come with extremely high interest rates that keep users trapped in debt for years. If you’re in a similar spot, you could eliminate your credit card debt today by getting a personal loan through Credible.

By getting a personal loan that has a lower interest rate and using it to wipe out your credit card debt, you’ll be left with lower payments going forward.

Credible is a marketplace that finds you multiple offers on personal loans. Run a search, compare all your options conveniently in one place, and find personal loan options that range from $1,000 to $100,000.

In just 2 minutes you could see your rates and potentially find a loan that wipes out your credit card debt and saves you thousands. Credible’s Best Rate Guarantee means that you’ll even get $200 if you find a better rate elsewhere (*terms apply, see the Credible website for details)!

6. Diversify Your Investments By Investing in Fine Art

Vlad Kutepov on Unsplash

For years, blue-chip artwork was an area that only the super-rich could get involved in. But Masterworks has made it so that anyone can get started investing in top-tier pieces!

Investing in blue-chip artwork — which, according to Artprice, has outperformed the S&P by more than 250% from 2000 – 2018 — might be a good way to diversify your investments and safeguard your money in a fluctuating economy.

Here’s how it works. On the platform, you can invest in a portfolio of iconic works that have been carefully crafted by Masterworks’ team of research professionals. You can wait for Masterworks to sell the artwork at some point during the next 3-10 years, or you have the option to sell your shares to other investors on Masterworks’ secondary market.

You’ll only need to pay a small management fee, and in return, you’ll get all administrative costs covered, professional storage, insurance, regulatory filings, and annual appraisals.

To start investing, simply request an invite for membership today!

See important disclaimer: masterworks.io/disclaimer

7. You Could Use Your Home to Get Access to Up to $250,000

Rowan Heuvel on Unsplash

Being a homeowner has its perks. One of the more overlooked opportunities is the ability to get access to money that can be used for all sorts of purposes — fixing up your home, paying medical bills, or funding a family vacation!

That’s exactly what you get with a HELOC (home equity line of credit). A HELOC is a low-interest loan that uses the equity in your home as collateral.

Figure is an online lender that could help you get up to $250,000 against the equity in your home.

Plus, they make the process incredibly easy. Their application is 100% online application and it takes only 5 minutes to fill out. If you’re approved, you could get your funds in as little as five days!

Learn more about Figure and how your can use your status as a homeowner to get the money you need!

Keep Calm and Make Smart Money Moves

The rapid spread of coronavirus and the way it has impacted the economy has forced millions of people to brace for the worst. And as a homeowner, it’s easy to start fretting about the possibility of not being able to pay the bills.

The best thing you can do is to keep calm, be smart with your money, and take advantage of what’s available to you right now. When this finally passes (and it will pass), you’ll be thankful that you kept your cool and made a few wise money moves involving your home.

You’re not alone. We’re all riding this roller coaster together.

The post 7 Money Moves For Homeowners During The Coronavirus Crisis appeared first on Wall Street Insanity.

Somnox Sleep on Unsplash

There are a whole bunch of money moves that could strengthen your financial position. Rather than keeping these secrets to yourself, why not share them with those who are closest to you, so that they can grow and save their money, too?

Whether you’re dating, engaged, married, or somewhere in between, there are plenty of ways for you and your significant other to get on the same page financially. Make these seven money moves and thrive together!

1. Help Protect Your Partner’s Financial Future By Leaving Them Up to $1,000,000

Harrison Haines on Pexels

There are a few topics that couples rarely enjoy discussing. Life insurance is one of them. No one wants to imagine life without the other, yet it’s critical that you and your significant other make sure that you would be protected if tragedy were to strike.

Many underestimate how much money is needed to make up for their partner’s income and believe there will be plenty of time to get life insurance later. But life insurance is usually at its cheapest while you’re young; and since today is the youngest you’ll be, there’s no better time to get a quote!

And get this — the process of getting life insurance is made easy and painless through Bestow.

Bestow eliminates the need for paperwork, allowing you to get a quote in seconds and coverage in just minutes! Policies are also highly affordable, starting at roughly $16 a month. And since the entire process takes place online, you won’t even need to provide a medical exam or bloodwork.

Simply fill out a short questionnaire about your health to get free quote in 60 seconds from Bestow. In no time, you could have up to $1,000,000 in coverage for your family!

2. Get Rid of Your Current Mortgage (& Live in Home Bliss)

VisionPic .net on Pexels

If you and your partner fork out a big chunk of change to pay the mortgage each month, it might be time to refinance. Refinancing is the process of replacing your mortgage with a new loan that, ideally, has a better interest rate and terms. Because interest rates are always changing, there could be a loan out there right now that saves you thousands on your home!

Refinancing is made easy through Credible, a marketplace that allows you to find multiple new loan options in just three minutes. The service is free to use, and you’ll even be able to lean on the company’s non-commissioned Client Success Team if you have any questions along the way. Once you find the right loan for you, Credible will provide you with all loan documents to complete online.

To get the process started today, fill out Credible’s short questionnaire and check out top refinance rates that are available to you — with no impact to your credit score!

3. Get Rid of Your Auto Insurance Company (& Enjoy Your Rides Together)

Grahame Jenkins on Unsplash

Are you or your partner paying way too much for car insurance? Perhaps a recent ticket or accident has caused your rate to spike. Maybe you’re settling for your current rate because you think it’s your only option. Whatever the case, you might be able to find a better rate and make the switch with a service like EverQuote.

EverQuote is a marketplace that allows you to compare multiple auto insurance options in just two minutes! It’s free to use and drivers could save hundreds on their auto insurance each year.

Finding an affordable auto policy doesn’t have to be painful. Fill out EverQuote’s short questionnaire today and get your new rates online without even picking up the phone!

4. Eliminate Your Credit Card Debt Today ( & And Don’t Let The Debt Hold You Back)

Shutterstock

Most couples have some type of debt, and credit card debt is among them. Between the two of you, you might have thousands of dollars in debt, with interest accruing by the day. Getting a personal loan with a lower interest could help you tackle that debt faster. Even if you’re a rare debt-free couple, you might still be in need of additional funds to renovate your home or go on vacation. And Credible is a great place for a personal loan for any reason.

Credible is an online loan marketplace that helps people find personal loans with competitive interest rates and terms, so that you can lower your payments and save money. Loans range from as little as $1,000 to as much as $100,000.

Credible will show you up to 11 personal loan options competing for your business, and its Best Rate Guarantee will give you $200 if you find a better rate elsewhere.

See your rates in 2 minutes with Credible and find top personal loan options for you and your partner!

5. Protect Your Home Valuables (& Don’t Fight About the Expense)

Brian Babb on Unsplash

If you and your partner want to protect your home and all of your possessions, a home or renters insurance policy will help you do just that. The problem is, these policies can be costly. Are you currently paying too much? EverQuote can help you find out in just a couple of minutes.

Whether you own a home, live in an apartment, or elsewhere, EverQuote will help you find multiple options to compare in one place. In addition to the savings you might enjoy just by switching companies, you could even save an average of 15% by bundling property and auto insurance!

And all you need to do is fill out EverQuote’s short questionnaire. They take it from there, connecting you to insurers and finding you the best rates!

6. Don’t Fight Over Budgeting, Let This App Do The Dirty Work

Karolina Grabowska on Pexels

Couples often struggle to save money. With countless bills to pay and all sorts of expenses to account for, it can be difficult to keep track of your budget and find areas to save. But now, there’s an easier way — Digit.

Think of Digit as your very own personal budgeting and saving assistant. Here’s how it works: you tell Digit what your financial goals are, as well as the different things you’re saving for, and the app will help you get it done by analyzing your spending and automating your saving.

Take advantage of a free 30-day trial with Digit today and check out just how much money it can help you and your partner save!

7. Make Art, Not War (By Investing In it)

Jean-Philippe Delberghe on Unsplash

Couples often want a way to invest in their future together. Instead of buying beautiful art for your home (which you can do as well), why not take a spin at investing in top art pieces.

Investing in assets like blue-chip artwork — which, according to Artprice, has outperformed the S&P by more than 250% from 2000 – 2018, might be a better way
to safeguard your money in a fluctuating economy.

For years, blue-chip artwork was an area that only the super-rich could get involved in. But Masterworks has made it so that anyone can invest in top-tier
pieces!

Here’s how it works. On the platform, you can invest in a portfolio of iconic works that have been carefully crafted by Masterworks’ team of research professionals. You can wait for Masterworks to sell the artwork at some point during the next 3-10 years, or you have the option to sell your shares to other investors on Masterworks’ secondary market.

You’ll only need to pay a small management fee, and in return, you’ll get all administrative costs covered, professional storage, insurance, regulatory filings, and
annual appraisals.

To start investing, simply request an invite for a free membership today!

Double Down on Your Finances By Making Money Moves Together!

What’s better than making money moves alone? Making them together! With these eight money moves, you can combine your efforts and start improving your finances as a team.

By keeping each other accountable and pushing each other to keep moving forward, you’ll be amazed at just how far your money can go!

The post 7 Money Moves For Couples Who Want To Grow Together appeared first on Wall Street Insanity.

Travis Essinger on Unsplash

Are you in a tough spot, financially?

Maybe you’ve got a barrage of bills hitting you from all directions. Perhaps your debt is piling up to an unmanageable amount.

If you’re struggling with stress related to your finances, the first thing you need to do is keep calm. Continuing to fret can cause even greater levels of stress, and worse yet — it can even prevent you from taking action.

Once you’ve caught your breath, here are 12 ways that you can reduce financial stress.

1. Take Control of Your Expenses

Truebill

Whenever you open up your checking account, are you shocked at just how much money is coming out every month?

From gym memberships to subscriptions to exorbitant bills and all sorts of extras, your monthly spend could be causing you some serious financial anxiety. One of the easiest ways to reduce financial stress is to simply cut out what you’re not using!

But how do you go about cutting some of these expenses? Where do you start? Maybe you’re not even quite sure where all of your money is going.

A company like Truebill will help you stay on top of things.

They’ll give you a rundown of all of your current subscriptions in one place. Don’t need subscription “A” or “B?” It will cancel them! With your permission, of course.

What’s more is that Truebill may also be able to help you save on your monthly bills. In fact, they’ll go as far as to negotiate your cable and phone bills for you (among other things), saving you hours on the phone.

Download the Truebill app, start reducing your expenses, and let’s get that heart rate back down!

2. Protect Your Family’s Future

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Your financial stress might boil down to the uncertainty of your family’s financial future.

Would they be taken care of if you were to pass unexpectedly? Would they have enough money to cover all of life’s expenses? Would leaving them $1,000,000 help them out?

Many people avoid purchasing life insurance because they assume that, due to the large payouts, it’s a costly expense. But that’s not always the case. There are ways to protect your family without breaking the bank.

In fact, with a company like Bestow, get this — you might be able to take out a life insurance policy for as little as just $8 a month!

Coverage ranges from $50,000 to $1,000,000 with 10 or 20-year terms. As long as you’re between the ages of 21 and 54, you can apply!

There are no medical exams required, and no agents to upsell you anything.

Get a free quote from Bestow in seconds, coverage in minutes, and find out how affordable life insurance can be.

3. Wipe Out Credit Card Debt

Javier Sierra on Unsplash

With credit card debt hanging over your head, you may be wondering how you can possibly escape your credit card companies’ sky-high interest rates.

Would you feel a sense of relief if all of your credit card debt was wiped out in one swift move and you were able to save potentially thousands as a result? Of course you would!

One way to achieve this is by getting a personal loan, with a lower interest rate. Whether you’re $5,000 in debt or $50,000 in debt, you could use these funds to eliminate your credit card debt. Going forward, you’d be able to make payments to one account and pay a whole lot less in interest fees.

Credible might be able to help with this. With a simple rate check that will take just two minutes or less, this company will give you up to 11 personal loan lender options in one place for you to compare.

Not to mention, the company’s “Best Rate Guarantee” means that you’ll get $200 if you find a better rate somewhere else (terms apply).

Check your personal loan options with Credible. It’s free and it won’t impact your credit score!

4. Don’t Pay Full Price

ibotta

Do you freak out a little when you see the total amount on your grocery bill or online shopping receipt?

You add up all of the items to find out that you haven’t been overcharged. Yet you might feel buyer’s remorse in that moment, and maybe even a little anxiety.

Fortunately, there are ways to save money on the stuff you already buy every day.

An app like Ibotta, for example, can help you limit the damage done on your next grocery bill, online splurge, travel expense, or other purchase!

Ibotta allows you to save and earn in three ways. Linking your store loyalty accounts will trigger automatic savings, uploading pictures of your receipts will allow you to earn cashback, and paying with Ibotta will get you instant cashback!

Download the Ibotta app, start saving, and get a $20 welcome bonus just for signing up!

5. Take Advantage of Freebies, Coupons, and Deals

Markus Spiske on Unsplash

How can you experience the thrill of a new purchase without impacting your bank account? With free stuff!

There are different places out there where you can get not only freebies but also coupons and deals. Refusing to settle for full price on your purchases can put your mind at ease and reduce your financial stress.

Where do you find the best deals, though? You probably don’t have time to be scouring the web for the best possible deal on every purchase you make.

With VOICED Market, you can discover some of the hottest freebies, coupons, and deals in one place, and redeem them with the click of a mouse. These offers range from small discounts to deals up to 95% off!

From free streaming TV trials to food delivery deals to discounts on personal fitness programs, you’re not likely to run out of great deals any time soon.

Plus, when you subscribe to the VOICED Market newsletter, you’ll even get the latest deals delivered right to your email inbox!

6. Don’t Overpay the Bank for Your Mortgage

Irene Rego on Unsplash

Your mortgage is likely the largest of all your monthly expenses, so it might very well be causing you the most financial stress.

Whether you’re locked in with a high interest rate or large monthly payment or whether you’re just looking for opportunities to save money on your home, you might be able to refinance your mortgage — a move that allows you to replace your current loan with another loan, ideally with a lower interest rate.

And get this — because your home is such a large investment, you save a whole lot of money through refinancing. Even an interest rate cut of just .5% might help you save thousands!

You can check out your refinancing options right here, comparing up to six top lenders at once.

What’s better? This check will take just three minutes of your time. No paperwork. No fees. Your credit score won’t even be affected.

Fill out the short questionnaire and you might very well be on your way to significant savings on your home!

7. Stop Giving Extra Money to Auto Insurance Companies

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Is your auto insurance bill starting to get to you?

While auto insurance is a necessary expense, maybe the amount you’re paying just doesn’t sit well with you. At the same time, shopping around for rates can be a pain; and for many, the process can add to their financial stress.

Well, you don’t have to settle for those high rates month after month, and you don’t have to sit on the phone for hours. There are companies that will provide quick free quotes and perhaps even do all of the shopping for you!

Here are a couple of companies that may be able to help you stop paying more than you need to:

• On average, Liberty Mutual is able to save drivers $509 on their auto insurance each year. Want to check out what your potential savings could look like? Get a free quote online now! They even let you bundle your auto with home or renters insurance for even more savings.

8. Grow Your Money Sitting in the Bank

Joshua Hoehne on Unsplash

Are you getting a decent return on the money that’s sitting in your checking or savings account?

Probably not. In fact, the average interest rate on a savings account is embarrassingly low. Maybe this causes you to worry about your long-term financial security — that your money isn’t growing or being protected.

If you’re worried about long-term financial security, consider a certificate of deposit (CD) as a fantastic alternative to a traditional checking or savings account.

The FDIC insures CDs for up to $250,000. So, rest assured that your money is safe.

CIT Bank even offers a no-penalty, 11-month CD with one of the best annual yield percentage (APY) rates going around!

With this CD, you’ll be able to lock in your rate for the full term; but you’ll also be able to withdraw your funds, without penalty, if you find yourself in a pinch.

You can open your CIT Bank CD in three easy steps. Provide your information, fund your account with a minimum of $1,000, and you’ll receive a confirmation. That’s it!

9. Rest Easier by Getting Rid of Credit Card Interest Fees

Webaroo on Unsplash

If credit card debt has already been the source of your financial stress, you’re probably already well aware that credit card companies can get you with their high interest rates.

Rather than falling into that trap again and forking out hundreds or even thousands in interest, opt for a credit card that has a low interest rate — maybe even an interest rate of zero.

There are actually credit cards — like the ones right here — that come with a 0% intro APR. This means that you’ll be able to enjoy no interest fees for a certain period, and potentially a low interest rate thereafter.

10. Lower Your Student Loan Payments

BBH Singapore on Unsplash

Student loans are enough to cause anyone a great deal of financial stress. In fact, there are people who spend their entire lifetime trying to escape the clutches of student loan debt.

Maybe your biggest fear is that this could be you, too. Well, guess what? You might be able to shave thousands of dollars off your student loans through refinancing — the process of replacing your current student loans with one that, preferably, has a lower interest rate.

And with Figure, you can check out your student loan refinancing rate in just minutes.

Refinancing options have no prepayment or late fees. Plus, there is an optional origination fee that could help you reduced your rate and payment. You’ll also get a discount for opting in to auto pay, as well as the flexibility of a 12-month forbearance term.

Apply in five minutes and get refinanced in as soon as five days!

Fill out the company’s digital application to get your rate. The service is free to use and this simple check won’t impact your credit!

11. Take Control of Your Credit and Know Where You Stand

Christina Morillo on Pexels

If you’re experiencing financial stress because it seems that you’re never able to get approved for lending options —whether it’s a personal loan or a good credit card — it might be that your credit score needs a little help.

The reality is that bad credit can get in the way of many of life’s big financial milestones — like financing a car or taking out a mortgage!

Fortunately, there’s always a way to build up your credit again. While you might need to start small, borrowing, spending, and repaying responsibly will help you raise your credit score and put you in better standing with lenders.

Don’t know exactly where your credit stands? With Credit Sesame, you can see your credit score for free, and get free credit monitoring that will help you keep tabs on how you’re progressing.

This service allows you to view your most recent credit score when it becomes available and it even offers personalized pointers that could help you raise it further.

Not to mention, Credit Sesame offers free identity theft protection. That should ease some of your stress!

The best part? It’s free. Sign up for Credit Sesame and starting building that credit!

12. Start Building That Emergency Fund

Colin Watts on Unsplash

Life can be unpredictable. You never know when the next car repair or medical expense is going to pop up. Nonetheless, you’ve got to find the funds to cover these kinds of emergencies.

This might currently be the source of your financial stress, and you’re probably not alone. One survey shows that only 41% of Americans can cover a $1,000 emergency through savings.

So, start contributing to an emergency fund each month, regardless of whether you can only put $20 aside or $200.

Need extra income to make it happen? Start a side hustle or two that will help you put a little more cash in savings.

Once you’ve hit the $1,000 mark (and assuming you have no debt), take your emergency savings to the next level. Aim to cover three to six months’ worth of expenses.

You might find that having this extra padding will lower your blood pressure a bit!

What Is Financial Stress?

Financial stress is a condition caused by anxiety or worry concerning financial or economic events. As it’s very common among adults, you’ve likely experienced it. Maybe you’re experiencing it right now.

If not managed properly, it can not only impact your finances further but also have a negative impact on your health.

How Common Is Financial Stress?

Financial stress is very common. Money is the biggest source of stress for 44% of Americans.

So, if you sense that you’re dealing with financial stress, you probably are, and you’re definitely not alone. Take comfort knowing that you’re in the same boat that many people find themselves in, and that there are ways to effectively manage your financial stress.

How Does Financial Stress Affect Your Health?

Worrying about money can impact your health in a few different ways.

First, it’s been reported that people who are carrying debt have higher rates of mental health issues than those who aren’t carrying debt.

Financial stress can also lead to physical illnesses as conditions, from migraines to heart disease, and much more.

Even beyond the immediate impact on mental and physical health, those who experience financial stress also tend to engage in other health-impacting practices, whether it’s through coping mechanisms or through refusing to seek medical attention for fear of bills.

Needless to say, if you’re stressed as a result of your financial situation, it’s vital to take the necessary measures to limit it.

Quick Tips for Managing Your Financial Stress

• Communicate. Talk with your spouse, significant other, parent, or someone else whom you trust. Bottling up your financial stress can make things worse, while confiding in others can be highly productive.
• Make a budget. Having a plan and setting goals is a necessary step for overcoming the financial stress in your life. A detailed budget will give you a sense of control and a clear path forward.
• Get out of debt. Most people attribute their financial stress to being in debt. Getting out of debt should be high up on your priority list. Becoming debt-free will allow you to raise your credit score again, get better lending opportunities, and breathe a little easier overall.
• Always anticipate the worst. Being prepared for any kind of financial emergency will not only keep you out of debt but also help mitigate the stress caused by these kinds of added expenses.

Don’t Let Your Finances Rule Your Life

Once financial stress begins to invade your life, it can be difficult to eliminate.

Fortunately, there’s always something you can do to move forward. The 12 steps above are some of the fastest ways to start chipping away at the financial burden you’re carrying.

And if you ever feel as though there’s no path forward, it’s wise to seek help from someone who’s good with money — perhaps even a financial advisor.

There are people out there who will not only help you navigate your financial stress but also help you find the light at the end of the tunnel.

The post 12 Ways To Reduce The Financial Stress In Your Life appeared first on Wall Street Insanity.

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Fundraising letters are an incredibly “niche” form of writing and rather challenging. Considering that major brands can potentially spend thousands of dollars on writers to help them come up with their emails, website content, and social media posts, a charity or nonprofit doesn’t have that kind of budget to spare.

However, that doesn’t mean that it’s impossible to craft a highly effective fundraising appeal letter that can connect with your readers, compelling them to donate to your cause. Today, we’re going to explore the seven steps you need to take to help you create this kind of captivating letter.

1. Write personally.

When it comes to charities and organizations such as yours, you have the unique advantage over other businesses in that you can get very personal in your letters. Many people can see through it when a global business attempts this approach, but using the words “I” and “You” in your content can connect with your readers on an emotional level.

Using lines like “you can make a difference” and “your donations are what drives us” are extremely powerful, and you should never think that you should be using them sparingly. Copywriting tools like My Writing Way and Academized are great places to learn how to write on a more personal level.

2. Remain positive.

Of course, the fact that you’re writing a fundraising letter means that you’re probably addressing a problem that’s negative, but when you’re writing your letter, focus on the benefits of the cause. When people donate money, they want to know that their donations are doing good in the world, so draw focus to this.

Highlight the benefits and good that your organization is achieving with the donations you’re already receiving, and you can be sure that you’ll tug at the heartstrings of those who want to contribute. Don’t forget, when adding references or quotes to your letter, you can do so professionally using free tools like Cite It In.

3. Choose interesting topics.

It’s all well and good trying to write about your cause, but if you’re continuously writing about the same topic, people are going to get bored while also thinking that your cause can’t be helping if the problem is still ongoing.

With this in mind, try taking different approaches to the problems that you’re addressing. For example, if you’re talking about bringing clean water to a developing country, you could take about the problem in the developing country, the good that your organization is achieving, a case study of a volunteer in your organization, a case study of someone who has benefited from the donations, and the latest news from your industry.

This keeps people engaged in your content and therefore far more likely to donate. If you’re struggling with ideas, you can use content subject generation tools like Easy Word Count or Essayroo to help.

4. Ask for money directly.

Of course, the main goal of your fundraising letter is to raise money through donations to your cause. Your reader is going to know this is the case which is why it’s so important to be frank with them and ask for “money.”

It’s a common fundraising mistake to ask for “support” in letters, but this term is far too broad and will lose the interest of most readers who live busy lives and may think you’re asking for volunteers. You don’t have to ask for a specific amount, simply ask for the reader’s commitment to help.

5. Communicate the right message.

When you’re writing your content, it’s easy to fall into the trap of writing away without thinking about how your reader is going to perceive the message you’re telling them. Since you work for the organization, what goes on is second nature to you, but for a reader, this might be the only insight they get into everything that’s going on.

This is why you’ll need to go through your letters to make sure the content is acceptable for the person reading it. This means editing your letters, and it can pay at this stage to have a friend or colleague read through your work to make sure it makes sense and reads well.

Alternatively, you can use letter editing tools like State of Writing and Ukwritings, as recommended by Uktopwriters to help.

6. Perfect it.

The final step you need to take in your letter writing process is to make sure it’s perfect for sending to your readers. This means proofreading your content to make sure it’s free from errors like spelling mistakes, typos, and misplaced punctuation.

If you want to check the grammar of your letter or brush up on your grammar knowledge, you can use grammar tools like Grammarix and Boom Essays, as recommended by the HuffingtonPost ‘Write my paper‘ article, to help.

If your readers find these errors, which will stick out like sore thumbs, you will damage the credibility and reputation of your organization and people won’t want to donate. You can proofread your letters yourself, with a colleague, or by referring to proofreading guides like the ones found at Academadvisor.

7. Create the full package.

As we’ve discovered, a letter is a vital and essential tool in your fundraising campaign, but it’s not the only part of the package that you should be sending. Alongside your letter, you need to remember to include a reply device, such as a ready-to-send envelope or a donation slip.

Only with all these elements together will you have a successful package which can captivate and compel your readers to donate to your cause, ensuring that your letter is a success.

Conclusion

As you can see, writing a successful fundraising letter isn’t as daunting as it may first seem, but there are some key things you’ll need to remember. Remind yourself that a fundraising letter is far different from other forms of copywriting and that you can really connect with your readers for maximum effect.

The post 7 Essential Tips For Constructing A Successful Fundraising Appeal Letter appeared first on Wall Street Insanity.

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Being a job seeker can be so tough and demoralizing that it can cause anyone to feel depressed. With the growing population today, more and more people are looking and applying for jobs, making the competition for any position a difficult one. However, if you’ve got the right attitude and you know how to avoid some common mistakes when searching for a job, you can increase your chances of being hired and stop the painful process of being rejected over and over again.

Here are 10 of the most common mistakes every job hunter should avoid:

1. Taking rejections seriously.

As you search and apply for a job, you most absolutely want it to go smoothly and get hired. However, the reality is not so easy and it’s definitely harsh. There will be many times that you will not meet a company’s qualifications and end up getting rejected. This can be quite painful and might cause you to even struggle with your self-esteem. Being rejected is embarrassing. But a true and dedicated job seeker does not take rejections seriously. Instead, they learn from their mistakes and feedback from the interviewer and make sure that next time they do their best.

2. Not doing any research.

Another common mistake of job seekers around the world is just looking at every possible job ad and sending resumes without doing any research about the company. Doing research about the company you are about to apply to is a vital and necessary step for you to avoid embarrassment during the interview. Also, it will help you assess if the certain job offering is best suited to your skills.

3. Talking bad about your previous employer.

Saying mean or negative things about your previous employer during the interview will give your interviewer the idea that you are not easy to work with. Maybe, your previous employer really wasn’t that good and treated you poorly, but speaking ill about them will negatively impact your employability. After all, if they ever hire you, have bad chemistry with you and let you go, how can they be so sure that you will not damage their name and talk negatively about them to your future employer?

4. Forgetting to proofread.

Your resume is the most important document you will present to any potential boss. Resumes sum up all the necessary information about you and will give clear impressions of who you are and what experience you have. So if your resume is full of typos and misspelled words, it will greatly affect your first impression on your potential employer.

5. Negativity.

So, the application’s been accepted, and you’ve got an interview scheduled with a potential employer. But then, at the time of your interview, your hands are all sweaty and your knees are shaking. Sure, the interview process can really be nerve-wracking and you might start to wonder if you can really do this. However, negativity does not help you at all. It blocks your thinking and turns you into a complete fool. Try to relax, inhale and exhale as you talk, and answer every question honestly and confidently.

6. Having an unprofessional email address.

It may not seem so obvious at first, but email addresses are often detrimental to job seekers. An email address like fckhot69@hotmail.com will definitely destroy your chances of impressing potential employers. Yes, you may still use it, but it might not be a good thing to send to interviewers since it will look really unprofessional. Try creating a simple name-based email (lastname.firstname@website.com). These little details make all the difference.

7. Selecting bad or fake references.

In your resume or if you are ever offered a job, upon filling out forms, you’ll come upon the references section. Many job seekers do not even think this through and just add up any names that come up in their mind. According to a CarrerBuilder survey, 47 percent of employers developed a less favorable view of the job seeker after they spoke with their references. One study in 2012 even showed that 80 percent of employers contacted the references and 62 percent of those references had nothing good to say about the job seeker. Also, 29 percent of employers found out that some references given by job seekers were fake or did not even know the job seeker.

8. Dressing inappropriately.

You got a nice suit for prom. On your graduation day, you bought an expensive dress. So why not dress professionally during interviews with a potential employer? Many job seekers forget this factor and use the oldest clothes in their closets. This might give your potential employer the idea that you do not take them seriously and you could get rejected based on your appearance.

9. Applying for every job you find.

You saw an ad and immediately sent your resume to their website. Your friend told you about a job opening at wherever and you quickly visited them and gave them a resume. You came across an online job ad, and you hurriedly contacted the employer to tell them that you were interested. While finding many job offers can be a good sign, sending and applying for every job you find might not be a good idea. Not only will it cause you to lose focus, but what if a few of them set up the same interview date? What will you do then? Cancel the others? Cancelling on them might give them the idea that you are not worth their time.

10. Having a terrible attitude.

So during your interview, negativity is nowhere to be found and you are so confident that you boast about everything you’ve ever done. Even if you slump in your chair like you’re some brat while your potential employer interviews you, you can cause your interviewer to raise an eyebrow at you. Showing off can be viewed poorly by your interviewer, especially if your tone is not just confident but braggy. It is not wrong to brag about yourself. After all, it is one of the necessities to leave a good impression on your interviewer. But if you go overboard, you could end up hearing a “We don’t want you here.” So be careful!

Some final thoughts:

The long, agonizing process of seeking a job can be torturous and embarrassing. However, learning from mistakes and overcoming the embarrassment will create a better you. And the satisfaction and happiness you get when you hear the words “Congratulations, you’re hired!” will be incomparable.

The post 10 Mistakes Every Job Hunter Should Avoid appeared first on Wall Street Insanity.

Stocksnap

Sometimes the standard procrastination techniques like staring out the window or looking at everything on the Internet just aren’t enough. These are the times when lies and deceit are called for; these are the times when we plumb our utmost depths of creativity to find out what we’re really made of and just how far we’ll go in order to avoid doing actual work. Most of the time, those depths involve food and pointless questions.

1. Attempting to make the perfect cup of coffee or tea.

You let everyone know that this is a combination of ritual and scientific undertaking, and under no circumstances can you be disturbed. For the next 20 to 30 minutes, the kitchen is your sanctuary; you’ll measure, grind, measure some more, brew, steep, sweeten, sip and stir until you have achieved the absolute perfect combination of flavor, temperature and strength. And if it happens to take longer than half an hour, that’s a sacrifice you’ll just have to make. For science. For humanity. For the good of us all.

2. Adding up the amount of your paycheck you get to keep.

NBC/via giphy

Then adding up how much you’d actually be making if you got to keep it all. Then complaining bitterly to everyone within a 50-foot radius.

3. Looking up random locations on Wikipedia.

You daydream about what it would be like to live in Guam or Alaska, then start to get really specific and look up every single mid-size city in the tri-state area. You’re an expert on the culture, history and major roads of every small coastal Oregon town, and you just recently discovered that Minneapolis is the 14th-largest metropolitan area in the U.S.

4. Pretending you’re not texting.

You find creative ways to casually hold your phone so that it’s easy to type but also doesn’t look like you have it in your hand on purpose; maybe you were just checking the time and forgot to put it down or something. You’re also an expert on hiding it with only 2 seconds of warning time.

5. “Reorganizing” your drawers.

You couldn’t possibly work until you know that your draw space is maximized. Drawers must be clean and divided into perfectly spaced compartments containing everything you might need throughout the course of a day, such as sticky notes, extra pens, pencils, snacks, spare change, emergency socks and lots of markers and highlighters. An organized drawer is the mark of a productive worker!

6. Cleaning your office or cubicle.

Once you’re done with the drawers, it’s time for everything else. How can you be expected to concentrate when there’s dust on the cabinets and an empty roll of tape sitting right there in front of you? It’s perfectly acceptable for you to drag out all the cleaning products and start standing on chairs to dust nooks and crannies that have never before seen the light of day; it’s also understood that you won’t rest until all your tape, staples, thumbtacks and other supplies have been replenished.

7. Asking someone about their vacation.

It’s polite to do so, and etiquette also dictates that you must look at every single one of their vacation photos. No one can stop you, because that would be rude; you asked to see these photos, so now you need a full hour to examine them thoroughly.

8. Pretending that you need to ask someone something.

You always make sure this person is as far away as possible so it takes a long time to walk there and walk back.

9. Asking someone what they’re up to.

NBC giphy

A standard small-talk question can lead to at least 45 minutes of conversation if you find the right topic. This tactic is generally foolproof, because chances are that whoever you’re talking to doesn’t want to work, either, so your combined efforts will provide the fuel needed to make this rocket take off.

10. Taking way longer than you really need to.

You know that doing your work in the amount of time it would actually take you would only result in being assigned more work and eventually cracking under the pressure. It’s better for everyone if you relax and pretend you need twice the time to do things.

11. Feigning concern over small details.

“Times New Roman is a classic, yes … but do you really think it’s right for this? Is 12-point font just too clichéd? And while we’re brainstorming, what are your thoughts on margin size?”

12. Adding and subtracting items from coworkers’ desks.

They might eventually notice that their stapler is gone, but how long will it take them? And more importantly, will they ever notice the orange you put in their drawer, and if so, will they start to question their own sanity because they don’t remember putting it there?

13. Taking holiday decorating more seriously than you have ever taken anything.

This is a time for celebration, damn it, and you will make the best decorations this office has ever seen. Never mind that there’s work to be done — if it’s Thanksgiving, you must make at least a dozen colored hand turkeys, and once Thanksgiving is over, it’s time to immediately put up an elaborate display of lights. You don’t actually decorate your own house, but you’ll decorate the office if it means doing something other than working. You’ll decorate it for days!

14. Spending three hours finding a new desktop background.

Your work environment is very important to you, and must be both mentally stimulating and emotionally soothing. You explain to people that you don’t want to spend hours downloading National Geographic photos — you need to.

15. Creating fake events.

via giphy

Creating fake yearbook superlatives is also acceptable, but if you really want to waste some productive time, get politics involved! Pretend you’re running for office and start canvassing your co-workers with campaign materials. Fake office events require a lot of dedication and vision, but when you approach them with a can-do attitude, hours of time can be wasted. Come up with insane ideas like telling people you’re running for Comptroller of the Second Floor District and then make door-to-door visits in which you explain your pro-telecommuting, anti-fax-machine platform and hand out complimentary stationary that you created with the Microsoft Paint program.

16. Keeping a running tally of all tics; taking bets if necessary.

Do you sit near a chronic throat-clearer, or perhaps someone who almost always answers the phone exactly the same way? Savvy employees know that instead of letting these little habits drive you crazy, the best way to cope is to start keeping track of everything and initiate a betting pool.

17. Making up buzzwords …

… and use real words incorrectly. Sending someone an email saying that you’d love to obviate the actionability of this project and create a real pivot point paradigm for pre-user revenue engagement results in at least half an hour of time wasted while they figure out how to respond politely to any of the words you just used.

18. Going on obsessive, generally pointless missions.

Someone needs to replace the paper towels in the bathroom; that someone could be you! You, and only you, can track down whoever is in charge of bathroom supplies and deliver this important message, then deliver the precious paper towels.

19. Pretending you’re really into birds.

You bought a bird-watching guide as a prop so that when someone catches you staring out the window, you can say things like, “Ah, yes; I thought that was a yellow-throated warbler! And look — there’s a tufted titmouse! Do you know much about birds?”

20. Helping with problems you have no idea how to solve.

You’re always helpful and willing to contribute to issues that you know you don’t have a prayer of resolving. You suggest solutions that you’re certain won’t work so you can then look perplexed and wonder why that didn’t work. Oh, well — maybe next time you’ll figure it out!

The post 20 Ways We All Love To Procrastinate At Work appeared first on Wall Street Insanity.

Pixabay

So you need a job, or maybe you’re just itching to leave your old one and move on to better opportunities and more money. That means you’ll have to find and apply to jobs — a prospect that is both exciting and terrifying, and which will hurl you onto the emotional roller coaster that is job hunting.

1. Optimism.

NBC/The Office via giphy

You’re at the start of a long but fruitful journey. There’s no reason you can’t succeed: Your resume looks great, you’ve gained so many new skills over the last few years and the economy has actually improved. You can have it all!

2. Motivation/organization.

You have a great list of websites that you’re sure won’t let you down. After a thorough and well-organized search, you’ll be bound to have a comprehensive list of great jobs that pay enough to live on and even have benefits. Your files are organized; you three different versions of your resume and a list of references; you’ve got this. You even have manila folders and sticky labels.

3. Searching.

Mostly at work, when you’re supposed to be doing other things.

4. Cover letters.

After you finish a fresh batch of five sparkling new cover letters, you’re pretty sure the Pulitzer Prize for Literature is now within your grasp.

5. Saving drafts that you’re too nervous to actually send.

You’ve attached the resume, pasted the cover letter into your email and filled in the subject line. Now you just have to send it… now. No, now. No, wait — maybe you should let it sit for a while and marinate or ripen or whatever job applications are supposed to do. You’ll read it over again and send it tomorrow. Except tomorrow’s Friday, so maybe you should wait and send it on Monday.

6. Sending!

ABC/Modern Family via giphy

You did it! You had to hold your breath and cover your eyes while stabbing at the keyboard, but you did it.

7. Confidence.

Like the second trimester of a pregnancy, you have that post-application glow. Everything is right with the world, and you’re sure that you’ll get a positive response soon; you’re already imagining what it will be like at your new job and planning all the fun you’ll have with your new co-workers while tossing your hair and laughing in slow motion.

8. Doubt and/or nagging fear.

You thought you’d hear back in a week, but now it’s been longer. Was a week unrealistic? Should you wait two weeks? You convince yourself that this is all totally normal and that they probably just have so many applications they can’t possibly have read them all by now.

9. Increasing panic.

Now it’s been a week and a half. You’ve progressed to the point where you’re checking your email every 4 minutes and nervously eating like a hamster because you need something — anything — to distract you.

10. Desperation.

You still haven’t heard back. Still. This is a disaster. You’ll never hear back, or if you do, it’ll be a rejection. It has to be. No — maybe they haven’t even gotten to your application yet. Should you email them? You ultimately decide not to email them because you don’t want to come off as desperate; you present a façade of uncaring coolness to the rest of the world so they don’t realize that you’ve passed the stage of nervous eating and are now talking to inanimate objects.

11. Rejection.

It’s the response you’d been dreading for the last 10 days. You knew this would happen but were still kind of hoping that this would be the one time you’d finally met your HR soulmate — the person who recognized your potential for awesomeness and would sweep you off your feet instead of sending you a form letter rejection.

12. Tacit acceptance of the situation.

Well … this sucks. But you’re a mature, adult human being. You can handle this with grace and dignity.

13. Refusal to accept the situation.

You refuse to be graceful or dignified about this. It’s not fair — you were a great candidate; you would have kicked ass at that job. This company doesn’t even know what it’s missing out on, but you hope they soon realize what a devastating mistake they made not hiring you. This is the point at which you’ll start making vague plans to become a supervillain.

14. Angry motivation.

You won’t let them drag you down into childish dreams of becoming a supervillain. You’ll show them! You’ll get an even better job! They’ll rue the day they ever rejected you. You’ll apply to 50 more jobs and get ALL of them.

15. Actual acceptance of the situation.

You don’t want to apply to 50 more jobs.

16. Confused flailing.

Should you even be applying to jobs anymore? Maybe you should start your own business. There are 10-year-olds who own their own businesses; surely you can do the same. Your fevered plans for entrepreneurship are then crushed when someone suggests you earn extra cash by walking the neighbor’s dog.

17. Crazy ideas.

You should volunteer in Nepal. No — Tibet! You should backpack around Iceland while waiting for a response from the Peace Corps. You’ll earn your living by working on farms and learning how to make cheese, and then you’ll live a happy life as a cheesemaker and never come back.

18. Listless soul-searching.

Maybe you just weren’t meant to have a job that you like; perhaps your fate is to work at a temp agency. Forever. Perhaps you have no true calling and were put on this earth to do nothing but exist until you die, kind of like a slime mold searching for its fungus food source.

19. Snapping out of it.

Everyone takes their own time to snap out of it, but it happens eventually when you realize that you’re not alone; there are millions of other people in this situation, and the only way you can change yours is to keep on trying, no matter how long it takes.

20. Repeat The Cycle …

… and maybe someday, step 11 will become “Acceptance.”

The post The 20 Stages Of Applying For Jobs appeared first on Wall Street Insanity.

NBC/30 Rock

Everyone has scandalous about the terrible bosses they’ve had — but what about the good ones? What mysterious combination of qualities does a person need to be a good boss? It can be tough being a boss, but here are a few ways people most often tend to succeed at bossing others around.

1. They impart wisdom.

Like Jack Donaghy on “30 Rock,” the best bosses instill valuable kernels of wisdom in their employees. They may teach you how to deal with people like an adult; they may teach you certain technical skills; maybe they’ll just show you how to spray down hornets’ nests without spraying yourself in the face. Either way, these will be skills you’ll always find useful.

2. They forgive small failings.

The best bosses are the ones who don’t act like the world is ending if you make a minor mistake and don’t make you spend every day constantly clenched up, wondering what obscure thing you’ll screw up next.

3. They don’t care if you’re consistently 10 minutes late.

If you find yourself blessed with a boss who understands that getting up in the morning takes all the effort you have and that traffic patterns are not exactly the same every single day, hold on and never let go.

4. They delegate work without sounding like a drill sergeant.

Some bosses know how to take charge while still being polite; others can’t make a simple request without inciting mutiny among their employees and inspiring at least three potential murder-suicide pacts.

5. They offer constructive criticism.

If done correctly, you’ll be instilled with the urge to do better next time without feeling like a big pile of dog crap.

6. They value their employees.

They let you know that not only do they notice when you do things right, they appreciate you for it; they give you great performance reviews; they trust your judgment; and when budget troubles arise, they don’t immediately discard you like a used plastic fork.

7. They bring in doughnuts.

Everyone loves doughnuts.

8. They let you leave early sometimes.

Leaving early is the Holy Grail of every job. The bosses that understand you won’t be doing anything productive in the last 10 minutes of the day and want to beat the traffic are the most awesome bosses. Bonus points if they want to leave early to beat the traffic themselves.

9. They have the weirdest stories from their youth.

Nothing makes the time pass more quickly than learning about how your boss once climbed out a second-story window during detention or used to brew illegal moonshine in their backyard.

10. They inspire loyalty.

This doesn’t necessarily mean acting like they’re best buddies with every employee; in fact, over-familiarity is often a sign of insincerity. Inspiring loyalty is a complex thing, but in general, it involves fairness, competence at one’s job, the right amount of enthusiasm and doughnuts.

11. They tell you you’re doing a great job, even if you’re not necessarily doing a great job.

If you’re totally slacking, a good boss will probably not tell you you’re doing a great job; however, if you’re trying really hard but still feel like you suck at everything, a good boss will realize this and offer you some much-needed encouragement, which will ideally inspire you to actually do a great job.

12. They make you not dread going to work.

Bad bosses tend to bring out your worst qualities, one of which is considering just not showing up to work every day. Good bosses make you actually want to be in their presence.

13. They write you a real letter of recommendation when you need one.

Not just a form letter — a personalized, glowing letter of recommendation that makes you sound so much better than you really are and may possibly bring a few tears to your eyes, which you will insist are due to the dust in the air.

14. They’re not pushy.

After they tell you to do something, they trust you to do it without being reminded eight times that you need to do this thing. This, ironically, tends to lead to a more productive workplace rather than a micromanaged one that quickly slides into chaos and resentment.

15. They remind you what time it is.

The best bosses notice when you come and go, so if you get too absorbed in what you’re doing, they’ll actually remind you that it’s time to go home.

The post 15 Things The Best Bosses Do appeared first on Wall Street Insanity.