Category: Lifestyle

Coronavirus is causing a Dramatic and Urgent increase in Work at Home Jobs

The coronavirus outbreak is an ongoing public health emergency of international concern involving multiple outbreaks of coronavirus disease 2019. It is caused by the SARS-CoV-2 virus, first identified in Wuhan, China. As of 2 March 2020, more than 90,000 cases have been confirmed, of which 8,000 were classified as serious. More than 70 countries and territories have been affected with major outbreaks in central China, South Korea, Italy and Iran. More than 2,900 people have died in mainland China and about 160 have died in other countries. More than 45,000 people have recovered.

And also, the coronavirus outbreak has been a major topic from all around the world. And you know with people and companies around the world being increasingly affected in a wide variety of ways. From events and travel being cancelled, not being able to buy certain products, schools and shops being (or preparing to be) closed, and more… it’s getting closer to home for many of us.

While many companies have work-from-home plans in place, most do not unfortunately. So given the massive scale of this outbreak and the impact it is having on companies worldwide, it’s an important time for organizations to evaluate how remote work can help them with emergency situations (such as this, as well as extreme weather events, security lockdowns, etc.). And in the case that you know of a company in need of some support or guidance, please feel free to tell them to contact our Employer team to find out the options.

Here is how to use remote work regards to Coronavirus

There are also major impacts happening on workplaces—specifically, coronavirus is causing a dramatic and urgent increase in remote working which kicked off with the “World’s Largest Work-From-Home Experiment” in China. To keep staff safe and companies in business, many employers are allowing—even mandating—that staff work from home.

CNN: Coronavirus could mean you’ll be working from home. Here’s how to stay productive.

Marketplace on NPR: Remote work is having a moment amid COVID-19 fears
Forbes: How Coronavirus Is Creating a Watershed Moment for Remote Work
TechRepublic: How COVID-19 is impacting job seekers and hiring managers
coronavirus is causing a dramatic and urgent increase in work at home jobs

 

 

Leana S. Wen is an emergency physician and a visiting professor at George Washington University Milken Institute School of Public Health. Previously, she served as Baltimore’s health commissioner.

I watched President Trump’s news conference about the coronavirus on Wednesday. This is what I wish I had heard him say:

My fellow Americans, I am here as your commander in chief to provide an important update about the new coronavirus, covid-19. If there were a terrorist threat to this country, I would be standing here with my top military leaders. This is a public health threat, so I stand here with my top public health officials.

As soon as coronavirus became an epidemic in China, my administration took action. We implemented a quarantine — the first time the United States has issued a quarantine in more than 50 years. We put in place travel restrictions so that we can delay the virus from getting to our country.

Continue Reading

Ways to Improve Your Credit Score

Your credit score can determine a number of things about you. Your credit score will determine if you can get the financing available to purchase a car, a home, and can even determine your interest rates. If you have credit problems you may not be able to get the funding that you need. If your credit score is not up to par you do not have to worry. There are some ways that you can improve your credit score and get the financing that you need.

When you get your credit score you need to look at all the accounts that you are paying on, both the current accounts and the ones that are in default. Thirty-five percent of a credit score is based on your payment history. You score also looks at the total amount of debt that you owe to all lenders. Credit score range from 300 to 850. If you have a 650 -700 you have what is considered to be fair credit. Below a 600 you poor or bad credit. If your credit score is over 700 you are considered to have a good credit history. If your credit score is over 750 you have nothing to worry about. The average person falls into the fair to good credit range. With the increase prices and the poor economy many people are finding themselves to have poor credit. There are some things they can do to improve their score.

Check Your Credit Report for Mistakes

After looking at your credit score you need to check your credit report for mistakes. One in five people have found errors on their credit report. You should check that all of your personal information is correct. All look at the creditors and make sure that you have an account with them. Also look at the dates of the accounts and the total amount owed to make sure this is correct. Your credit report will show missed payments. If you made a payment on time and it is showing up as late you need to write to the credit agency and explain this. If there are items from over a decade on the credit report you need to write to have these removed as well. Many accounts will only stay on the credit report for a period of 7 years. If you find a mistake you will need to file a dispute form. While this may seem like it will be time consuming once the error is gone you will notice that your credit score has improved. It it well worth the extra time and effort.

 

Pay Down Debt

To improve your score you need to begin to pay down your debt. Look at your credit card with the highest interest rate and pay extra on this account. This will help your debt from building up. You do not have to close any unused credit cards. This will not improve your score and is not a quick fix. When you are trying to improve your score do not open additional credit accounts or apply for a new loan. This will not help your credit but rather add to your debt.

Fix Late Payments

If you have made late payments on your loans in the past now is the time to get on the right track. Credit cards and other lenders now have alerts that can be sent to your phone and email to remind you that a payment is due. You can also set up automatic deductions from your bank account. You will need to plan that around your pay schedule. You can also ask some of your lenders if they are willing to forgive some of the late payments. Some can be forgiving if you have a good history of making other payments on time. This will allow you to improve your score. Be sure to make future payments on time. If for some reason you will not have the money to make the payment call the lender. They will be willing to accept a partial payment for the time or set up another date.

Clear Up Collection Accounts

If you have accounts in collection you need to get this cleared up. You can call the collection agency and see if they are willing to accept a settlement. You should also ask them if your settle your debt if they will stop reporting it to the credit bureaus. If you are going to make a payment and they are going to stop reporting negative history be sure to get this in writing.

Do Not Get More Credit

It may be appealing to get a discount when opening a store credit card but in the end it can do more harm than good. It does not matter if you are approved for the card or not it will still have an impact on your credit score. This is considered to be a hard inquiry on your credit and will have an impact on your score for up to one year. When trying to fix your score you do not need to add any more debt. If you find an inquiry on your credit report that you are not familiar with contact the lender and find out with this is all about. If you did not apply for the card you need to alert the credit agency as this can be a sign of fraud. This may also remove the inquiry from your credit report but it may take some time in order for this to get into effect. A soft inquiry will not harm your credit. This is done when a lender is looking to increase your line of credit.

These are some tips that will help you improve your credit score. You need to remember that your credit score will not automatically improve over night. It will take several months of making payments on time and paying down debt for the credit score to improve. If you start taking measure to fix your poor credit score you will see an improvement in no time and will be able to get the financing that you need as well as lower interest rates.

Continue Reading

Making Your Appliances More Energy Efficient—And Saving Money in the Process

As the world becomes more eco-friendly, things like recycling cans and reusing bags have become commonplace. These simple activities not only help people demonstrate their concern for the environment, but also give them the opportunity to make or save money.

However, there are plenty of other eco-friendly, money-saving lifestyle adjustments you can make that you may not be entirely aware of. For example, taking inventory of all the electrical appliances in your home and evaluating whether or not they’re operating at maximum efficiency could be the game changer needed to take you to the next level.

If you can make some simple changes when it comes to your appliances, you can significantly reduce the amount of energy that’s being used and therefore lower your electric bills. A simple walk-through of your home can result is less wasted energy and more financial savings.

So here are several things you can do to start saving electricity:

Maintain or Replace Older Appliances

If you regularly clean and maintain your appliances, you can increase the likelihood that they’ll work at maximum efficiency. For example, if your air conditioner has a dirty filter, it may not be cooling your room or home quickly enough. This means you’ll run the appliance for a longer period of time, sucking up energy and money. Or maybe the door of your electric oven has become misaligned from years of use and an unnoticeable opening releases heat. This means you have to run the oven longer to cook your favorite dish.

Enlisting the help of a professional service technician to perform an annual checkup on some of your bigger appliances, like washers and dryers, can reduce the operating costs of those appliances significantly—sometimes up to 20%. This kind of professional maintenance can also extend the life of the appliance and ensure it remains safe, even after years of use.

If you have any appliances that have been in use for 10 years or more, they are likely not working at their peak rate of efficiency. Consider replacing them outright. This could cut your electric bill in half.

Buy Energy-Saving Appliances

Speaking of replacing your appliances, be on the lookout for the Energy Star logo.

The U.S. Environmental Protection Agency has been operating the Energy Star program for more than 20 years. Energy Star certification means the appliance is more energy-efficient (and therefore cost-saving) than a comparable model without the designation. The Energy Star label is currently used in more than 75 different product categories.

Maximizing Your Refrigerator

Two very simple things will help keep the cool air inside your refrigerator. The cooler your refrigerator stays, the less it’ll need to draw energy to pump new cool air in.

First, don’t keep the refrigerator or freezer door open for longer than you actually need. Second, try to avoid opening your refrigerator door all the way—open it just enough to get what you want.

Maximizing Your Air Conditioner

Instead of turning your air conditioner on and off manually whenever you think you need to, it’s much better to establish what temperature is most comfortable for you and stick to it. That means choosing a temperature and permanently setting the thermostat at that level, so that the air conditioner can turn on and off on its own.

An air conditioner that kicks in as soon as the temperature rises too high only needs to cool the room or home by a few degrees, as a opposed to a human who might only get around to it when the air conditioner needs to cool the room by five, ten, or fifteen degrees. You can imagine how much more electricity is needed and how much more that costs.

Unplug Your Appliances During a Power Outrage

In the uncommon occurrence of a power outage, unplug all your appliances (like toasters and microwaves) and electric devices (like computers and televisions). Not only will this protect them from voltage surges when the electricity comes back on, this will decrease the demand on the electrical system of your power supplier. Voltage surges can cause permanent damage to your appliances and devices.

Bonus Tip: Use Energy-Saving Light Bulbs

If you haven’t already gotten rid of all your traditional incandescent light bulbs, now is the time to do so. While these types of bulbs emit the kind of warm glow that many people have gotten used to, they’re the most inefficient, energy-draining bulbs on the market. An incandescent bulb yields approximately 700 to 1,000 hours of use.

Here are come alternatives:

Halogen bulbs are a type of incandescent. Known for mimicking natural daylight, they’re at least 25% more efficient than a normal incandescent bulb. With an average lifespan of 1,000 hours, they’re mostly used for under-cabinet and pendant lighting. One thing to note, however, is that halogens cost more upfront than regular incandescents—though this is made up in energy savings over time. They also burn at a higher temperature, so caution is necessary.

Fluorescent and compact fluorescent (CFL) light bulbs are a whopping 75% more efficient than standard incandescent bulbs. They come in a number of shapes, sizes, and colors, and they yield an average of 8,000 hours of use. They’re perfect for the home (in rooms like the kitchen) and commercial environments.

LED light bulbs are hands down the greatest of them all. Not only are they at least 75% more efficient than incandescents, their average lifespan is more than 25,000 hours. They’re great indoors and outdoors, for decorative lighting and task lighting—pretty much perfect for anything. They also emit practically no heat, making them the coolest (literally and figuratively) light bulb available.

The Bottom Line

As you move towards a more efficient lifestyle, whether your concern is protecting the environment or saving money or both, paying special attention to your appliances (and light bulbs) will go a long way in helping you achieve your goals.

While there are plenty of more things you can do to flex your eco-friendly muscles, the above suggestions are a great place to start.

Continue Reading

Financial Freedom Summit

May 1st-3rd – St. Louis, MO – 2020


Money only matters if it helps you live a life you love. Join 50+ speakers who are living life on their own terms, connect with others on the journey, and take the next step.

Get Tickets

Connect, Learn, and Empower Yourself

Come participate in the first annual Financial Freedom Summit. Learn from experts, network with other attendees, and learn how you can achieve financial freedom. Nobody deserves to constantly stress about money. Discover how you can control your money and use it to design a life that you love.

Learn from experts

Attend 50+ sessions led by industry experts on topics including money, life, and everything in between.

Networking

Connect with the other 1000+ attendees who are also on their journey to financial freedom.

Take Financial Action

Learn how to create an action plan for your personal finances and take the steps needed to get there.

Speakers

Here is our list of current speakers for the Financial Freedom Summit with many more to come….

Grant Sabatier


Creator, Millennial Money & Author of Financial Freedom

Kristy & Bryce


founders, Millennial RevOlution & Authors of Quit Like A Millionaire

Vicki Robin


AUTHOR OF Your Money or Your Life

Jamila Souffrant


founder, journey to launch

J.D. Roth


Founder, get rich slowly

Julien & Kiersten


founders, rich and regular

Chelsea Brennan


founder, smart money mamas

Bobby Hoyt


Founder, millennial money man & LAPTOP EMPIRES

Rosemarie Groner


Founder, busy budgeter

Cody Berman


FOUNDER, fly to fi & the fi show

Jillian Johnsrud


Founder, montana money adventures

Chad Carson


Founder, Coach carson real estate

Doc G


FOUNDER, Diversefi & What’s UP Next Podcast

Rob & Melissa


Founders, Flea Market Flipper

Chris Hutchins


Ceo & Founder, grove

Naseema McElroy


Founder, Financially intentional

Scott Rieckens


executive producer, playing with fire

Vincent Pugliese


Author of Freelance to freedom

Kevin Ha


Founder, Financial Panther

Leisa Peterson


founder, Wealthclinic

Noah Bouillon


founder, Money metagame

Zeona McIntyre


Creator, Zeonamcintyre.com and airbnb expert

Justin Taylor

founder, saving sherpa and co-host of the fi show

Andy Hill

founder, marriage kids and money

Larry Hagner


founder, the good dad project

Alexandra Fasulo


digital nomad & Pro service provider on fiverr.com

Leif Dahleen, M.D.

OLYMPUS DIGITAL CAMERA

founder, physician on fire

Steve Adcock


founder, think save retire

Gina Horkey


founder, horkey handbook

Travis Hornsby


founder, student loan planner

Diego Corzo


founder, house hacking club

Craig Curelop


author of the house hacking strategy

Hadassah Damien


founder, ride free fearless money

Adam Carroll


founder, Mastery of money & the build a bigger life retreat

Lisa Harrison


founder, mad money monster

Bob Lai


founder, tawcan

Liz Gendreau


founder, chief mom officer

Kanwal Sarai


founder, Simply investing

James Lowery


founder, rethink the rat race

Schedule

Here is a glimpse at our current schedule. Check back here for updates or sign up for our email list to stay notified.

Thursday, April 30th

2PM – 7PM

VIP Arrival & Check In

7PM – 10PM

VIP Dinner Event

Presented by FinCon

 

Friday, May 1st

9AM – 11:30 PM

Opening Keynotes

11:30AM – 12:30 PM

Break for Lunch

12:30PM – 3PM

Understanding Your Relationship with Money

3PM – 5PM

Money Mindset Speaker Sessions

5PM –

Events TBD

 

Saturday, May 2nd

9AM – 11:30 AM

Money Tactics Speaker Sessions

11:30AM – 12:30PM

Break for Lunch

12:30PM – 3:30PM

Money Tactics Speaker Sessions (cont’d)

3:30PM – 5PM

Final Keynote

7PM – 10PM

Closing Party

 

Sunday, May 3rd

9AM – 2PM

Check Out

Get Tickets

Money Topics

Debt

Real Estate

Financial Independence

Side Hustling

Budgeting

Families & Finance

Geoarbitrage

Digital Nomadism

Frugality

Pricing

* The prices below do not include the cost of lodging, transportation, or food.

EARLY BIRD PASS

$247
(Only 200 tickets left at this price)

– All Speaker Sessions and Keynotes
– Financial Freedom Summit Workbook
– Welcome Package and Swag
– Closing Party and Networking Events

Get this pass

VIP PASS (Only 100 Available)

$797
– All Basic Pass Perks
– Thursday Exclusive VIP Dinner with Grant and Select Speakers
– Priority Seating in Speaker Sessions
– Speaker Session Video Recordings
– Access to VIP Speaker Mixer
– Lifetime Access to Financial Freedom Course

Get this pass

Sponsors

This event is possible because of our amazing sponsors. If you think your company is a good fit for the Financial Freedom Summit, click the button below for more information.

Become a sponsor

Where ?
Hilton St. Louis at the Ballpark
St. Louis, Missouri

Accommodation

We’ve secured special discounted pricing for the St. Louis Hilton at the Ballpark hotel for the Financial Freedom Summit.

Book now

Or call (800) 581-7151 and reference our group code of “FFE” to receive discounted rates.

What is the Financial Freedom Summit all about?

Whether you’re just starting your financial journey or a seasoned financial veteran, the Financial Freedom Summit is right for you. We have invited some of the best and brightest in the personal finance / life optimization space to share their thoughts on how you can use money to live a richer life. You will have a chance to network with 1000+ other attendees, take part in 50+ speaker sessions, and track your progress in the Financial Freedom Workbook that will be provided in your welcome package.

Need Help ?
Email us at
team@financialfreedomevents.com
if you have any questions.

Reserve Your Spot at the Financial Freedom Summit

Come join us in the first annual Financial Freedom Summit. Spots are limited. Reserve now to lock in your spot and gain access to the event at the lowest price possible.

Reserve your Spot, Today.

Continue Reading

Sony Xperia 1 Smartphone: Review

You know, you can immediately see what Sony is going for with the new Xperia 1 just by looking at it. It’s so tall and unique that it’s obvious that Sony wanted to make it stand out from the pack of Android phones. In a world dominated by Samsung and Huawei, Sony needed to give people a specific, differentiating reason to consider its phones. The alternative at this point is, well, giving up on phones entirely — instead of just mostly.

The Latest Sony Xperia 1 news – the easiest way to read news about the phones you really care about. … You know the Xperia phones finally landed Sony’s Alpha camera mojo. back on Mar 05, 2019, by Daniel Petrov. Sony’s promo videos for the new Xperia 1 paint it as an entertainment viewing beast. And you can save $200 on the Sony Xperia 1 (Available December 9 – 22, 2019)

And definitely you know that there are enough benefits to the Xperia 1’s super tall form factor to actually make you consider it, weird as that may seem. It’s a big phone that doesn’t feel like a big phone. Sony’s pitch for the Xperia 1 is about it being more “cinematic.” Sony claims it has a cinematic screen, color reproduction, and camera. Those are the non-phone things that other divisions of Sony are good at, but the company has never really managed to translate those strengths to mobile.

The Xperia 1 really is a great cell phone which truly stands out, but making a unique form factor is easy. Making a good, complete package is not. Credit where credit is due: Sony has done a better job of making a good high-end phone than it has in quite some time. But we shouldn’t grade on a curve here. The Xperia 1 doesn’t stand out in as many ways as it should — especially at a price of $950.

In my opinion the best thing about the Xperia 1 is you get plenty of the benefits of having a big-screened phone in a design that’s much easier to fit in your hand. The Xperia 1 has a 6.5-inch screen, which is huge even by 2019’s plus-sized phone standards. But because of the 21:9 aspect ratio, it’s significantly narrower than the competition. It’s almost precisely the same width as an iPhone XS.

You can definitely, capture stunning photos and cinematic footage with this unlocked Sony Xperia 1 smartphone. A triple-lens camera system and advanced autofocus technologies make it easy to take stable, detailed images and capture 4K videos. This Sony Xperia 1 smartphone has a 6.5-inch 4K OLED touch screen that brings out the detail in captured footage and streaming videos.

Qualcomm Snapdragon 855 processor

The octa-core processor and 6GB of RAM deliver outstanding overall performance for opening and running applications, flipping through menus and more.

Android 9.0 Pie OS

Adapts to you and the way you use your phone, learning your preferences as you go. Your experience gets better over time, and it keeps things running smoother and longer.

Compatible with GSM carriers, including AT&T, T-Mobile, and Verizon
It also works with GSM SIM kits, including Cricket Wireless, Tracfone, Net10, H2O, AT&T Prepaid, and Simple Mobile.*

4G LTE speed

This Sony Xperia cell phone provides fast web connection for downloading apps, streaming content, and staying connected on social media.

6.5″ 4K HDR OLED touch screen with 3840 x 1644 resolution

The extra-large screen is matched with a slim body to comfortably fit in your hand. The 21:9 extended display ensures easier multitasking and immersive viewing. Gorilla Glass 6 resists shocks and scratches.

12.0MP triple-lens camera system

Offers 21:9 cinema ratio, 4K HDR movie recording, and 2x optical zoom to capture details without losing quality. Also includes an 8.0MP front-facing camera for self-portraits and videos.

Motion Eye

Lets you capture slow-motion videos at up to 960 frames per second for staggering films.

BIONZ X image processing engine

Powerful digital image processing produces even more vivid colors and ensure contrasts are high.

Optical SteadyShot image stabilization

Keep your images free from motion blur with SteadyShot image stabilization.

128GB internal memory plus microSD slot

This cell phone provides plenty of storage space for your contacts, music, apps and more. Expand your storage by up to 512GB by adding a microSD card (sold separately).

This post is sponsored by Best buy

Continue Reading