Progress Hacks

Get more done, faster and enjoy life more!

  • Home
  • Health
  • Love
  • Money
  • Learn
  • Humor

Fixed Rate or Adjustable? Which is Right for You?

February 6, 2016 by bFA3K4vEcAHWz

ratesTwo popular mortgage products are the Adjustable-Rate Mortgate (ARM) and the Fixed-Rate Mortgage. Consider the good and bad of each before choosing one:

The GOOD –  

Adjustable-rate mortgages have lower rates and payments early in the loan., making them more affordable.  ARMS make sense for people who expect their income to rise or to sell their home in the near future.

Fixed-rate mortgages promise stability despite inflation, allowing borrowers to manage their money better.

The BAD –

ARM rates and payments can rise sharply at the end of the introductory term.

When interest rates are high, fixed-rate loans may call for a monthly payment that is too expensive for some borrowers’ budgets.

 

 

 

Filed Under: Money Tagged With: adjustable, arm, fixed rates, lower rates, monthly payments, mortgages, rates

Benefits of Having a Credit Card

February 6, 2016 by bFA3K4vEcAHWz

There are many benefits of having a credit card.  Credit cards offer the option to pay over time or pay your balance in full every month.  When used correctly, they can act as an expense managemecreditcnt tool and aid monthly budgeting.  Having a credit card helps build credit history and establish credit ratings which you need to make big purchases such as a car or home.  And the best benefit is they are available for emergencies.

You should have a credit card because it is a convenient financial tool and a secure way to shop.  Some credit cards offer rewards that can be redeemed for travel, merchandise or even cash back.  There are many offers to choose from.  Always review your options and see what is best for you and your financial situation.

 

 

Filed Under: Money Tagged With: benefits, cards, credit

Rent out your Car for Cash

February 5, 2016 by bFA3K4vEcAHWz

Rent out your Car for Cash

rentcar

If you needs some extra cash and are ok with a stranger using your car then you should try RelayRides.
You must have a 2006 model or newer and have less than 100,000 miles on the odometer.

There are other services like RelayRides, but they are the largest with 2500 cities.
RelayRides has online profiles you can check on and are pre-screened by the company.

How much can you make with RelayRides?
The higher the demand in your city the more you can make (not avail. in New York City).
Most users of this service average 500 a month.

Always visit RelayRides website for more information.

Filed Under: Money, Uncategorized Tagged With: car, cash, relay, rent, rides

Make Some Fast Cash

January 31, 2016 by bFA3K4vEcAHWz

cashWould you like to make some fast cash now? Of course you would, many of us do. So we scoured the internet and found the most helpful websites to help you earn some extra cash.

So without further to do let’s get started with our list.

  1. First is Fiverr.com, its a great site to earn some money by using your talents. You post your talent for others to search and buy. Yes for 5 dollars, you earn 4 bucks and Fiverr takes a 1 buck for their service.
  2. Second is Swaggbucks.com, earn Swaggbucks for taking online polls and watching online tutorial videos. You can trade your digital Swaggbucks currency for gift cards and PayPal credits. You can also earn some coin by using their online search engine.  Some online surveys pay 50 bucks a pop, so what are you waiting for. Get started today!
  3. Third,  trade in your tech gadgets to Gazelle.com. Gazelle pays you for your old electronic gadgets so you have money for some new gadgets or whatever your heart desires. Site is recommended for getting the most cash when trading in your old IPhone or Samsung products. On top of that they offer free shipping.
  4. Fourth, We recommend WeReward.com. Its a fun app that you can also earn some money (points)  by checking in like Foursquare.com and doing simple tasks like taking a pic with your favorite product, then posting it to earn points you can trade points for cash. We have heard users earning upwards of 50 bucks a task.
  5. Fifth company we recommend you can use to earn some fast cash is MicroWorkers.com. Make fast cash when you help a company get Facebook likes, YouTube votes, or a positive Twitter tweet. They call it a “micro job” if you help with their social media solutions.
  6. Sixth site, make money with istockphoto.com by selling your photo images and earn 15% per download. If you work up to an exlusive istockphoto contributer you can earn up to 45%. So take out you phone or camera and start making some fast cash today!

 

 

Filed Under: Money

Tips for making money

January 29, 2016 by bFA3K4vEcAHWz

Tips for making money

Instead of a yard sale, do this!

Planning to make some cash on your unused items with a yard sale?  Well, what if we told you you can get more for electronics, books, clothing and sports equipment by selling them elsewhere.  And, itsmakemoney less hassle for you too! Here is how you can fill your wallet with some extra money:

  • ELECTRONICS – While yard sales shoppers will try to bargain you down, stores are competing to give you top dollar for your old electronic devices, even if they are outdated, dinged, scratched or broken!  Swap them or gift cards at Apple (apple.com/recycling/gift-card), Best Buy (bestbuy.com), Target (targettradeinprogram.com) , and Walmart (walmart.cexchange.com/online/home/index.rails)  Or, opt for cash by visiting gazelle.com or nextworth.com.  Simply input details about your device for an instant quote.
  • BOOKS, CDs and DVDs – At yard sales, it is hard to get enough shoppers to buy all your extra books, cds, or dvds.  The better bet is to sell them on amazon.com which attracts million of shoppers daily. Set up an individual seller’s account at amazon.com/gp/seller-account/mm-summary-page.html.  You can also sell up to 39 items a month fo rno monthly fee, just pay 15% of the sale price or 99 cents whichiever is greater. Plus, a $1.35 closing fee once an item sells.
  • CLOTHING & HANDBAGS – If you have clothing and handbags to sell, consignment shops can help you earn far more than what you would get a garage sale.  To start earning, contact local consignment shops and see when teh review items, then bring yours in. Yo uwill be offered a percentage of the sale of all items that are accepted. Want to get paid on the spot? Once Uon a Child will pay you for children’s gear (onceuponachild.com), Plato’s Closet will pay you for teen styles (platoscloset.com) and Style Encore will pay you for womens fashions (style-encore.com)!
  • SPORTS EQUIPMENT – Forget selling skis,  hockey sticks and other unused sports equipment for just a few dollars to bargain hunters at a yard sale.  Get more money by taking them to your local Play It Again Sports store, which you can find in the yellow pages or by visiting playitagainsports.com.  They take a wide variety of used sports equipment and will give you an offer right ont he spot.  Depending on condition and demand, you typically receive 30% to 50% of the stores resell price, which is 40% to 60% of what the items wold sell for new today!

Filed Under: Money

How to get a great job

January 29, 2016 by bFA3K4vEcAHWz

Help me get a great job!

jobLooking for a job?  Here are some steps so you will happily be employed in no time!

  1. PLAN FOR SUCCESS: Changing careers? Not sure what kind of job you want? Do your research and figure out what job you would want. There are many websites out there. Print out 10 job listings, then highlight the key words or responsibilities they have in common. This helps you focus on what you really want and to even discover strengths or interests you didn’t know you had.
  2. POLISH YOUR RESUME AND COVER LETTER: Your resume should repeat the same key words and phrases that are in the specific job listing.  A great trick to get your resume flagged and into the yes pile is to write the same skill under several different sections.  Always have a cover letter along with your resume. A good cover letter is like shaking hands with the hiring manager.
  3. NETWORK SMARTLY: Head online to linkedin.com and reach out to the companys recruiter or hiring manager for the specific position you have applied to. Express interest in his/her background and how he/she got to their position and be clear about what you want.
  4. INTERVIEW LIKE A PRO: Tell me about yourself  is the hardest question to answer!  Its so open ended.  One of the most common mistakes is just regurgitating the resume. Instead, just answer it in three sentences.  In the firt, give a brief description of your education or training. In the second, summarize your employment history and in the third sentence explain why you are there by saying someothing like “I’m excited about this position because….” Following the rule of three makes you look professional and composed!

GOOD  LUCK! 

Filed Under: Money

How to Make More Money?

January 28, 2016 by bFA3K4vEcAHWz

There are many ways to make more money and save. Here are a few steps: 

  1. Get a bigger raise – Companies are giving raises these days to retain good employees. Ask for a range. This strategy is far more successful than asking for a specific number.
  2. Make budgeting a breeze by  looking at your cellphone – Are you tempted by sales and want to buy more than you need?  Keeping photos of your family in your cellphone to glance while shopping keeps your spending at a halt. According to studies, being reminded of people you love make you feel calmer and secure which makes it easier to choice whats better for them.
  3. Get a tax credit – Continuing your education will help you qualify for a tax credit on your tuition.  You can also get reimbursed while searching for a job by deducting the cost of many expenses related to your job search.
  4. Get that dream job faster by temping – Temp jobs/positions can help you land the job you want faster.  Companies often view temping as way to try out people before offering them a permanent position.  It determines if you are right for the job.
  5. Fatten your wallet – have you been using the same cable company, insurance company or wireless plan for longer than two years? Sign up with a competing company to save up to 19% immediately.  New customers often get low introductory rates and money saving promotions.

Filed Under: Money

How to negotiate for the best car deal

January 17, 2016 by bFA3K4vEcAHWz

 Learning: How to Negotiate for the Best Car Deal

Best-Way-to-Buy-a-Car-Online

New or used, buying a car can be serious business, so never head into negotiations unprepared. Learn how to haggle before you even step foot on a car lot. You’d be surprised to learn how many potential buyers purchase a car at sticker value, not even bothering to negotiate. Negotiations during this time are very important and can make a huge difference when it comes to the warranty, extra features, price and monthly payments. Keep in mind, the more you put down upfront the lower your payments will be.

 

Bargaining for a new vehicle online can actually save you money. Some dealerships will allow you to not only negotiate the price, but you can go through the financing process and have the vehicle delivered to your home or place of work where you can then sign the final paperwork. Purchasing a car from a dealership online can save you some serious cash in a few ways. Visit CarPricingTips.com for tips on how to buy a car and the best time of the year to buy a car. The salesman that you negotiate with is usually salaried and gets an extra bonus that’s received based on the number of vehicles they have sold instead of being commissioned based.  Because of this the salesman will have more incentive to slash prices in order to move more cars. According to experts, you can expect average savings of one to two thousand dollars just from buying online.

Next, you should avoid the financing and insurance office. This is where the consumer is likely to encounter extra fees and add-ons which can negatively impact the best deal you already negotiated in the showroom or online.

We found a great site to find the best accessories for a pickup truck. The site is called PickupTruckGear.com. This site has many reviews on tonneau bed covers, air intakes, wheels, tires and accessories for your Pickup truck.

Also visit CarPricingTips.com for more information on how to buy a car, how to get the best auto lease, and when it is the best time of the month or year to purchase a car.

Filed Under: Money

Substance Abuse Counselor Salary

December 2, 2015 by bFA3K4vEcAHWz

Manny E. Llanura, a Baguio City, Philippines, native, and new substance abuse counselor aboard Marine Corps Logistics Base Barstow, explains one of the displays he uses during safety stand downs to educate Marines about the dangers of drugs and alcohol. The retired U.S. Navy chief petty officer has been the SAC at Marine and Family Services Division since April 26 and fills a slot which was vacant for two years.

According to Bureau of Labor statistics for 2013, substance abuse counselors make as much as $38,620, on average, annually. This comes to $18.57 per hour. The highest paying positions pay as much as $60,160 per year but the lowest paying positions pay around $25,200.

The cities that have the highest pay scale for this profession are State College, Pennsylvania and Springfield, Massachusetts. The areas of Detroit, Lansing, Michigan also pay well. These are industrial areas that provide openings in schools, from the elementary level up to high school and college. There may also be some openings in companies that provide health care benefits and other options for their employees.

Currently, it ranks at number 18 on the Best Health Care Jobs list and number 38 on the 100 Best Jobs list.

What Does a Substance Abuse Counselor Do?

Substance abuse arises for several different reasons, including behavioral issues, eating disorders and dysfunctional pasts. When the affected seeks help, he or she can go to a substance abuse counselor for help and support.

These counselors are available for help on specific issues that arise in substance abuse, most specifically aiding parents in trying to reclaim their roles in their households after addicted behavior has come between parents and children.

This includes the work they are responsible doing in personal relationships and work environments. This can include family consultations on solutions and treatment plans for the patient and outreach programs that educate on the dangers of abuse. The benefits of healthy choices are also covered in the outreach and education programs.

Meet the Demand

Due to the Affordable Care Act, laws now require that insurance providers also cover the necessary treatment for mental issues. In conjunction with the new laws, there is also new policies on criminal treatment to consider. With sentences for treatment being expanded on, the projected growth rate for this field is 31 percent by 2022. This could mean as many as 28,200 new positions in the next ten years.

Considerations

Upward mobility, or the opportunity for growth, advancement and economic gain, in this field is high, as is the flexibility of the position. However, while work hours and schedule can be very flexible, the stress level is considered to be very high, as well. It is considered to be above average and as such, should be a consideration in making this field a career choice.

Education

While there is no set curriculum that all substance abuse counselors must complete for qualification, there is a growing demand for counselors to know more, meaning more qualifications to meet for licensing. Training and education for this position should be explored locally.

Private practice positions require a licensed counselor for employment consideration. These positions require the applicant having 2,000 to 4,000 hours of experience in their chosen field as well as having a master’s degree. Those that want to apply for a private practice position should look into internships, as well as having the necessary qualifications.

Filed Under: Money

How to Rekindle a Relationship—A Guide

Reduce Identity Theft

Fixed Rate or Adjustable? Which is Right for You?

Benefits of Having a Credit Card

How To Cut A Garlic

Do You Know What is in Your Deodorant?

Pill Color Identifier Chart

What the color of your pills can tell you

What Reduces Thyroid Disease?

How to get rid of mice?

How to get rid of bed bugs?

Rent out your Car for Cash

How to Rekindle a Relationship—A Guide

Recent Posts

  • Reduce Identity Theft
  • Fixed Rate or Adjustable? Which is Right for You?
  • Benefits of Having a Credit Card
  • How To Cut A Garlic
  • Do You Know What is in Your Deodorant?
  • What the color of your pills can tell you
  • What Reduces Thyroid Disease?
  • How to get rid of mice?
  • How to get rid of bed bugs?
  • Rent out your Car for Cash
  • Home
  • Site Map
  • Privacy Policy
  • Disclosure
  • Contact
  • About

Copyright © 2025 · Enterprise Pro Theme on Genesis Framework · WordPress · Log in