Money Management Tips to Make Your Finances Recession-Proof

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With all the uncertainties that the Corona Virus has brought, it can be hard to predict what is going to be the long-term effect on the economy. Unfortunately, if a recession does hit, it will be something beyond our control. However what we can control is how we personally respond to it and how we prepare for it.  Taking precautionary measures sooner rather than later can help you protect your finances and make them recession-proof.

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Student Loans and the WORST Ways to Pay them Off

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Student loan debt is a very hot topic. With borrowers owing a combined total of federal student loan debt that is nearing a trillion dollars. One in five adults currently has student loan debt and we don’t see college tuition dropping in the near future.

Repaying your student loans can be daunting, especially if you have over six figures of debt, like many new college graduates.

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“Kiddie Condos” – The Newest College Housing Trend

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“Kiddie Condos” are one of the newest buzz phrases and latest trend for parents of college students who are looking to treat room and board as more of an investment vs. an expense. The concept: Purchase a home, condo or  apartment in the town where your college student goes to school, purchase the home with them on the mortgage, and have them live there vs. campus housing or renting off campus. The idea behind the strategy is to put the money a family would generally spend on room and board, required meal plans, and out-of-state tuition into a property.

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College Savings or Retirement – Which Should you Save for First?

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Which should you save for first – your child’s future college tuition or your personal retirement?  As a parent, this is a very emotional question – saving for your children’s continuing education to help them incur less debt and get a good education or financially preparing yourself and securing your future.

Many parents have decided that college savings should come first and are not only forgoing putting money in a retirement account, but they are dipping into their retirement savings to cover the costs of tuition. Yes, saving for college is important, but it is actually a luxury. How much you save for your child’s tuition is not a direct correlation to how likely it is that they will graduate. And don’t worry, your child can find other ways to pay for school: scholarships, grants, financial aid, part time jobs, or even finding a more affordable school.

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Fundraising Tips to Help Boost your Nonprofit’s Donations

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Many nonprofits, especially smaller organizations, struggle with finding fundraising ideas that will make a big impact, but don’t require an army to pull off or huge overhead. It’s no secret that nonprofits rely on effective fundraising to fulfill their missions, that’s why it’s vital for these organizations to build lasting relationships with donors.

Often times nonprofit organizations, executive directors, and board members need some quick fundraising ideas to get some funds in the door to cover operational costs, start a longer-term campaign, get through a mid-campaign slump, or for an emergency situation. Fundraisers need to be engaging enough to get people involved and get them involved quickly.

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Credit Card Churning: What is it and Should You be Doing it

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The term credit card churning is relatively new, but the process has been around for years. So, what is credit card churning? It’s the practice of repeatedly opening and closing a credit card to earn its signup bonus over and over. Churners amass tons of reward points or airline miles from credit cards that they have no intention of continuing to use or even keep open. You’ve probably seen ads or even received offers in your email or mailbox from credit cards that offer valuable points, miles, or cash back to new account holders. Most also require you to charge a certain amount of money to the card within a certain period in order to receive the new card bonus.

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When should you refinance your student loans?

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Taking out student loans for college tuition and room and board is commonplace these days. If you recently graduated from college or decided to take a break from classes, be prepared to start paying back those loans 6 months from the time you leave school. While many students don’t pay close attention as those loans accumulate year after year, the lender does, and once you hit that 6-month threshold, expect those payment notices to start rolling in! Continue reading “When should you refinance your student loans?”

Want to increase your sales? Learn how to read your customer’s and their personality type

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Whether you are a business owner, a salesperson, or a customer service representative, you’ve probably figured out that people hear, speak, and understand information very differently. Not surprising since every person is unique, BUT even though people make purchasing decisions very differently, they do it for the same reason. They either buy to gain pleasure or to avoid pain – that’s it!  HOW they come to those decisions and work through the process is determined by their personality.  To build those lasting relationships with customers and be able to close a sale, you must be able to read them and understand how they think and digest information. Continue reading “Want to increase your sales? Learn how to read your customer’s and their personality type”

How to save money when moving

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The process of moving is stressful enough without factoring in the added costs of packing supplies, truck rentals, mover fees, etc. even if you are just moving across town. Knowing what you’ll need to spend, where you can save and being able to budget appropriately can help keep the stress down and keep some dollars in your pocket. Continue reading “How to save money when moving”