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How to Financially Succeed Post-Education

 

Many people imagine that college or university is their one-way ticket towards financial success. And it should be – you’re gaining qualifications that technically should put you ten steps ahead of your non-qualified peers in your particular job sector. Unfortunately, though, you may not be able to achieve your career goals as quickly as you’d hope once completing your education.

It’s thought that in the US, around 53% of college graduates are unemployed or working in a job that doesn’t require a bachelor’s degree at all, which is hardly the news you want to hear if your post-education plans involved diving headfirst into your preferred area of work. Luckily, even though some aspects of your future may be out of your hands, it’s still possible to financially succeed relatively quickly after moving on from college.

Here are some tips on how to land a job faster and better handle your finances once you’ve graduated:

Start a savings plan

Now that you’re not in full-time education anymore, you’re no longer supported by student funding. This will mean that you’ll have to get a savings plan set up so that you always have cash to fall back on if you ever find yourself in financial difficulty. Some banking apps allow you to automate cash from your current account to move into your savings account without you even being aware of the process, which is a great way to save without feeling the strain on your wallet.  

Consider flat sharing

Only the extremely lucky few land their dream job after graduating from college, and this may mean that you’ll have to make do with a less enjoyable job for the time being – with a far less desirable wage. If you’re planning to live independently post-education, you might want to consider flat sharing with your friends or other acquaintances. This will give you a much smaller bill to worry about month-by-month while you find your feet.

Refinance your student loan

No matter what your financial position following your graduation from college, you might be interested in refinancing your student loan. A student loan refinance allows you to take out a new loan to pay off the existing one. This new loan might have new interest rates that you can benefit from, especially if your credit has improved since you agreed to the initial terms of your old loan. Take a look at Crediful’s picks for the best student loan refinance companies for more guidance.

Don’t be picky with employment

We get it – it’s really frustrating to feel like you have to resort to “second best” job alternatives rather than go straight into the career that actually interests you. Remember, though, that nothing’s stopping you from landing that dream job eventually, but your first priority is to ensure that you’re financially stable. Apply for jobs in all areas of employment, and attend every single interview you can. Once you’ve got a source of regular income, you’ll be able to approach your search for employment that more suits you with a far calmer and less impulsive mindset. 

Want To Gamble Online For Real Money?

 

Online gaming is the current sensation that has, for the last several years, taking the gambling industry by storm. There is nothing like a trip to Vegas but ease of accessibility, convenience, and availability are the main reasons why online gaming continues to receive many reviews from gaming enthusiasts around the globe. The thrill and excitement of gambling is the possibility of getting the chance of winning some real cash: the mad adrenaline rash and the feel of coming out victorious tops any gaming experience.

Why Online Gaming?

Online gaming gives many players, who otherwise would not get the chance of visiting land-based gaming halls, a chance to enjoy the game and win the available prizes. Although many of the online gaming sites offer the gamer an opportunity to explore and win huge prizes, not all of them have the option of churning out real money on winning.

The possibility of enjoying an online slot machine game at your comfort and convenience, any time of the day and night, is a major driving force towards online gaming. Several factors influence one’s decision to choose real money online casinos. Some of the factors include restrictions placed by the gaming sites relating to depositing and withdrawal of funds when placing your bet. Others include gaming promotions on the platforms, the gaming bonuses, and the withdrawal history of the gaming site. Before trying out any real money online gaming platform, you must carry out due diligence and only game on a site that has a proven track of trustworthiness.

The Basics

The basics of online gambling are quite simple and straightforward. For starters, to get you started, the possibility of earning real money begins with you wagering real money on the selected gaming platform. A real gem, although not offered by many sites, is a gaming bonus for starters as you first try out on their platforms. The sign-in bonus comes in terms of a small amount of money or free spins, allowing you to try out your luck on the game. It is wise to try out on the available free modes before delving into the real money gaming option.

It is also essential to make your deposit on secure and trusted platforms available. Some players prefer anonymity when gaming, a feature offered by a majority of the existing online gaming platforms. Ensure that the depositing and withdrawal methods provided on the gaming sites are properly functioning and are available in your locality. As a player, you should take note of whether there exist deposit or withdrawal limits that might hinder your gaming experience. Assess the payout percentages, which some sites have restrictions on, and might also influence your experience as you play.

Another vital point to get you going is the security and fairness of a particular online gaming site. Ensure that the platform that you want to try out on is correctly accredited with bodies such as the Gambling Commission, e-COGRA, and MGA. The accreditation and certification from global entities guarantee fairness and credibility of the particular online gaming site.

You must be well versed in the operation of any online slot game, or online pokies as they are sometimes called, before placing your hard-earned cash on the particular game. One of the features that should not miss in any credible online slot game is the RNG, which enables the player to enjoy a fair game and try out different and exciting gaming options.

The customer care of any given online gaming site should be up and running 24/7. Check out the accessibility of the customer care service of the online platform and how fast they are available to respond to any queries that may arise as you game.

Conclusion

Online gambling comes with the chance for you as the player to enjoy the game at your convenience, allowing you to win real money. You must be you get the necessary information as highlighted above before trying out the real money option of online gaming.

7 Tips For Saving Money This Holiday

 

It is that time of the year again. We have a long line of holidays waiting to close out the year and begin a new one. It is a wonderful and fun time when families and friends come together, eat together, exchange gifts, and share good times. Needless to say, the holiday period also comes with extra expenditure we do not normally make in ordinary times. However, while we are trimming the Christmas tree, it is important to find ways to trim our expenses so we can save despite the holidays.

We recommend seven ways to make sure that at the end of the holidays you would have more money in your pocket.

1. Prepare a budget

Shopping without a budget is a surefire way to overspend, especially this period when there is no shortage of people to spend on. The first thing to do is to sit down, take a pen and paper, and assign how much goes to what. Budget for everything down to the cards, then commit to someone close to you that you will stick to the plan. Of course, it makes no sense budgeting if you do not follow it through.

2. Pay yourself first

There is an old saying that states: you do not save what is left after spending, rather you spend what is left after saving. Most times your paycheck comes net of taxes, meaning that you have paid the government first. Who is the next person you should pay? You! That is right, and the only way to do it is to move some money to your savings or investment. And there are a lot of investable channels popping up giving the news regarding dinar intel.

3. Cut down on your expenses

Most times, people wait the whole year to spoil themselves or their loved ones this season. It is okay, but you can indulge them a little less and save some money in the process. So, instead of eating out at a 5-star restaurant, you could go to your regular Italian place and order their best dishes.

4. Change costly habits

Often some of our habits are the drain pipes on our savings effort. Expensive and unprofitable habits like smoking, drugs, and gambling can never help us in the drive to save more. Another incentive is that there is no better gift you can give to your loved ones than to quit such obsessive, compulsive habits. What is more, you will save a ton of money in the process.

5. Non-monetary gifts

Gifts do not have to come with expensive price tags. There are always options. Something like homemade cookies or cakes are especially delightful gift items when given to the appropriate person, and they do not cost an arm. Homemade cards and other such personalized gifts cost nothing, but the recipient knows that you put your time into them. Also, you can find other great inexpensive gift ideas online.

6. Make the most of sales

During this period, most shops splurge on sales. Use the internet to compare prices and get coupon codes. It is important, however, to ensure you limit your buys to what you need and not get carried away by discounts.

7. Is there a substitute?

When making purchases this season, especially for gift items, it might make sense to go for less popular and lower-priced alternatives. For instance, last year’s model of television will cost less and still share a lot of features with the trending ones.

Applying these tips faithfully will surely save you some money this holiday season. Now that you have been able to save, what should you do with the saved funds? The first question to answer is what was the purpose of saving? The answer to this will largely determine how you can invest the money.

If the saving was for buying something in the immediate term, then a savings account is the best way to go, as it offers you the convenience of being able to withdraw you’re your money whenever you want it. But if the need was for a short-term of six months to one year, it will be more advisable to invest in a certificate of deposit (CD). However, depending on your plan, Bank of America believes a combination of the two options will serve you better.

In the event the saving effort is for a long-term goal, then the capital market is the best bet. There are a lot of high-quality bonds that will pay coupon-interest and still have the potential to rise in value over their lifetime. Also, depending on one’s risk appetite, there are higher paying but lower-quality bonds.

Then there is always the stock market which may require some level of expertise before one can operate in that arena. There may be the need to hire a professional funds manager if the savings are quite substantial. Alternatively, one can invest in mutual funds and have the advantage of his or her money being managed professionally alongside others.

Supplement Your Regular Income Working from Home

 

 

There are times when we could all do with a little extra money. However, there are some people who find themselves in need of extra cash on a regular basis, as their basic income doesn’t stretch far enough to cover their essential costs. If you are in this situation, you can find ways to supplement your regular income working from home.

The digital revolution has made it much easier for people to earn extra money from home, and this is a great way to boost your income on a monthly basis. It can help you to meet essential costs, treat yourself to nice things, even enjoy a little luxury with the extra cash. In this article, we will look at some of the ways in which you can make money working from home.

Some of the Methods You Can Consider 

If you decide to set up a small part-time business from home to boost your business, you may need nothing more than a computer, internet access, and a quiet space from which to work. Of course, you should still try to market your services. You can get stationery and name card printing done to help you to do this. In addition, you can use the services of specialist providers who have marketing expertise such as Mandreel Agency.

One of the things you can consider doing in order to earn extra cash is providing an online writing service. This is a service that is very much in demand in today’s digital age, with many businesses and individuals eager to find someone that can provide high quality articles and writing. You can work from a home office, write in your own time, and even get your payments in online, which means you get to enjoy total ease and convenience.

Another option you may want to consider when it comes to earning extra cash is offering web design services. Of course, you will need some technical skills as well as creativity for this but if you have these qualities – or are willing to work toward getting the right qualifications – you can earn a very good additional income by doing this from home. Again, you have the benefit of being able to work the hours that suit you and bring in a decent amount of extra cash.

If you like to do something more hands-on, you can look at buying and selling online. This is something that many people do by setting up their own retail website or easier yet, setting up an eBay store. You can get started with minimal cash and then reinvest in the business until you are making a good turnover. You could even turn it into a full time venture if all goes well.

These are just some of the ways in which you can make an extra monthly income by working from home and doing so in your spare time. Over time, you can develop your part time venture into a full time business if you wish to do so.

Is It Time For You To Start Betting Online?

 

Gambling is never the answer to life’s biggest problems but it sure is fun! And don’t you dare deny it. Thing is, when we’re out on a casino night or hanging out with friends playing poker, we tend to forget about our worries and just start enjoying the moment. Relationship problems, issues at work, and even existential questions immediately flee our consciousness the moment we sit down and start playing.

True enough, gambling may be considered a type of escapism (read more). It may somehow be an activity people occupy themselves with just so they can forget about the real world even if it’s only for a fleeting moment. After all, even if it is escapism, what’s so wrong about it? It’s pretty normal to want to get away sometimes. In that regard, we can say that travelling, hanging out with friends, and socializing are all methods of escapism – but we don’t necessarily hate doing them right? Escapism or not, gambling frees your mind of unnecessary thoughts. And this can be explained through simple biology.

You see, when you play (and win), your body secretes happy hormones – dopamine and endorphins mostly. This makes you feel elated, as if you’re enveloped in some sort of euphoric moment. This “rush” can be pretty addicting which is why we crave for it. We constantly come back to it whenever we seek comfort. This feeling is what most people yearn for whenever they go out for a trip to the casino.

What happens when you lose?

Of course, you should be old enough to know that a gambling trip is about more losses than wins. If people keep winning all the time, I don’t think gambling would’ve even grown as an industry. They’d literally pack up and close forever if that were to be the case. They’re not called “charity” for a reason. So why is it that people keep playing even if they lose more than they win? I think it’s because our body responds to the feeling of defeat by secreting negative hormones – cortisol, the major stress hormone, most likely. We are left in a state of distress and the only thing that can make us feel better is if we somehow manage to win again. Check our this article: https://www.talk-business.co.uk/2018/12/07/why-gambling-can-be-considered-a-stress-release/.

This, in turn, becomes a vicious cycle of losing and wanting to win. The dynamic is often “you win a little, you lose a lot.” That’s how casinos thrive but then again, there’s nothing really wrong about it, is there?

Contrary to what people may think, people go into casinos knowing fully well that they might just be wasting money. They go anyway because they’re not really playing to win, they’re just playing for the sake of playing. If you’ve ever been to a casino, the setting, vibe, and atmosphere inside is very inviting. You can socialize with a lot of people and gather new connections. It’s definitely a hive for influential people who have way too much time and way too much money on their hands. Experiencing the high life every now and again isn’t too bad – no, it’s not bad at all.

Then, there are those who get hella lucky. They win big and bring home the nice, tasty bacon. When people hear about success stories like this, it just makes them want to join the scene more. There might only be a 1 in a million chance (or less) that the same thing can happen to you but it sure is nice thinking it will. And now that online casinos are becoming a thing, people have now more access to gambling activities. You can check more information about them here – 로투스 홀짝 먹튀폴리스.

To answer the question “Is it time for you to start betting online?” Let me tell you this:

Are you ready to start betting online?

Again, it’s most likely not going to be your bread and butter so don’t try to fool yourself thinking that it can be. There’s a chance for you to win but it’s much safer to think that you won’t. Sometimes, the world doesn’t hurt us; it’s our expectations. So when you don’t expect too much and something big happens, you get twice the happiness – right? Learn to play to enjoy and not necessarily to win. That’s when you know you’re ready for online casinos.

Eco-Friendly Tips To Save Your Business Money

 

With environmental and climate change concerns becoming more pressing by the day;  it will have unlikely escaped you that it is everyone’s responsibility to play their part and go greener. It’s easy to get caught up in the day-to-day running of your company, without thoroughly assessing all of the opportunities to be greener. Yet, with something so important, we can no longer afford to let that continue! As a business owner, whether a start-up or in full swing, you’ll want to be making eco-friendly choices for your company. You won’t want to underestimate your personal impact upon the environment nor will you want to put off customers by working in a way that’s irresponsible toward the planet. Let’s jump in and consider some eco-loving, tree-hugging, all-important ideas that can benefit not just the planet but your finances too.

Reduce electricity

The less you use, the more eco-happy you shall be while also reducing your costs. More and more businesses are moving towards green energy (so you won’t want to be left behind)! You can look into opting for solar energy, for instance, via panels that can generate cheaper and greener energy from the sunlight. These systems function by photovoltaic cells which do not always need direct sunlight to work. The cells are still able to produce some electricity on dull days (this may be good news depending on where you live)! Solar power is a renewable form of energy that will not release dangerous pollutants, including carbon dioxide. The panels, containing the cells, can then be mounted on your roof or sometimes on the ground. Because sunlight is free, you will be reducing your costs hugely once you’ve paid for the initial installation.

Other than this, it’s worth schooling your employees, and yourself, in best practices around the office. This just goes for ensuring that all of the computers, lights and other office amenities are fully switched off when they aren’t being used. It’s better to opt for LED lighting because these are the most energy efficient and long lasting kind. LED lights reportedly consume up to 90% less power than traditional bulbs. Remember, a little goes a long way, all it takes is a little research, planning and effort to take steps to be more environmentally friendly as a business. Once your equipment and codes of practices are in place, you will go about your business day this way as though it were second nature.

Ditch the paper

With so much beautiful technology at our disposal, the modern business has less need for paper than ever before. If you opt for cloud computing systems, you’ll be able to allow your employees to access their work: on multiple devices; on the go; and able to collaborate with their teammates on projects. All of this can take place in the virtual space of the cloud with very little need to make use of a printer! You’ll save yourself time and heighten productivity in your company.

Try to get into good practices by asking yourself before each time you print something- is it really necessary? Keep a record of precisely what you are printing so at the end of the working week you can look back over it and assess. It’s worth asking yourself if you can afford to get rid of your printers and fax machines altogether. With this in mind, you can begin considering e-faxing services too. For those who haven’t heard of this yet, let’s just take a moment to discuss what e-faxing is.

E-faxing

E-faxing is essentially paperless faxing; it is an internet based fax service that enables you to send faxes online. It operates by a messaging platform or via email to fax; you can use it via mobile devices on the move and wherever! As well as being very flexible and efficient, it’s far more secure than traditional fax services because, unlike with normative fax machines, your documents will not be able to be accessed by others. So many companies are making the switch to e-faxing and with so many benefits and green-points to be bagged, it’s not hard to see why.

Praise the green

If you are known to reward employees for eco-efficient lifestyle choices, then more of them will want to hop on board! For instance, many companies have introduced cycle to work schemes to help them reduce their carbon footprint as a business. You might not be directly saving your business money here- but you’ll be saving your employees money on petrol and public transport. This makes for happier and healthier employees. (which means a happier, healthier company too)! Not only will you be doing your bit for the environment, but you’ll also be effectively portraying your brand image as an eco-friendly business which will, in turn, do wonders for your reputation. Consumers expect brands to care about the earth, and so they should, you won’t want to be missing an opportunity to fulfill their expectations.

Recycle

Sure you recycle at home but don’t forget to do so in your office too! Ensure that all of the day-to-day items that you throw away, from plastic bottles to food packaging, empty ink cartridges and used-up pens, are all appropriately recycled. There are plenty of craft hacks out there to repurpose used office supplies so if you find yourself feeling creative one day, have a go yourself! With this in mind, don’t buy things for the office unless you need them, be brutal and don’t spend money on things that you can do without. If there are things that you absolutely need for the office, why not try some vintage or second-hand stores for some chic and timeless items before you opt for brand new? You’ll be saving yourself money and once again-feeling the green.

Working from home

As we previously touched upon, many businesses are moving with the technology trends and are using cloud computing systems. These systems mean that their employees can access their work systems on the go and from mobile devices. With cloud computing; you do not need to have every single employee always in the office and can allow them to work from home. If your employees are using their own equipment at home, this is also reducing the costs of your utility expenses somewhat. With ample technology at our fingertips today, you’ll want to make the most of the benefits. (Go-on, give yourself a nice work from home day and save yourself some pennies).

Opt for green web hosting

As you’ll likely know, web hosting consumes lots of energy, and such a great amount of energy has a negative effect on the environment. If you go for green web hosting, as the name suggests, you will be using web hosting that is powered by more environmentally sound resources, for instance- renewable energy. An example of a green web-hosting server, for example, is ‘GreenGeeks’. They are known for using energy saving hardware for the servers that are within their data centres. Apparently, they also pay three times the amount of energy that they know themselves to be consuming. There are plenty of other green hosting servers who carry out projects to help the earth, so it’s well worth a bit of research here.

Reduce your heating costs

Of course, you won’t want your employees (and yourself) to be freezing in the office, but it’s also worth looking onto lowering your heating costs if you can! Make sure that you are always programming your thermostat correctly so that heat is only being generated into the building while you and your employees are there inside. Ensure that you also inspect all of your windows and doors before the colder weather arrives. If you do this you will be able to see there are any gaps or drafts that you might need to fix or weatherproof to stop you from wasting energy. (If all else fails, just grab a sweatshirt).

Make the most of natural light

Sure those LED bulbs are doing the trick but generally speaking there’s nothing better than natural light for health and wellbeing! If you don’t need those lights on- switch them off and get even more eco-kind and thrifty! Some studies have also indicated that workplaces with more natural light can help to improve productivity. (Who doesn’t want to reap those benefits, so turn off the lights and let in the sun).

Running a business is of course challenging at times. With so much to do, plan and oversee it’s sometimes difficult to find the time to take a step back a change the way you do things. You won’t be able to change everything right away overnight, but that’s okay. The best thing to do is to make a get-greener plan and prioritise your options in a to-do-list. If you all pull together as a company across your different departments to help make the changes as you see fit, all the better! Before you know it, you’ll be best pleased with the results you’ve created and the money you’ve managed to save along the way.