#our friends all have houses and good jobs and multiple partners and vacations and social lives

[yourheartinyourmouth]

i fucking hate my life.

one of the other tenants has been constantly turning the heat up to EIGHTY even though it hasn’t dipped below 40. this lead to the heating bill for the unit being like, $300 more than the rest of the boarding house.

so, since we are apparently untrustworthy children and not adults who can be reasoned with, the landlord came while tenant was at work and put one of those plastic locking boxes over the thermostat. tenant came home ranting and screaming, calling husband and me bitches repeatedly, yelling abt how he always gets the mail (?), screaming about how we went behind his back to the landlord (we didn’t), and then SLAMMED his door as hard as he could.

screaming and door slamming are so fucking triggering for me. i had a melt down verging on anxiety attack.

i absolutely Do Not Feel Safe Here.

[poemjunkie]

9-1-1 Meta

As someone who has said the exact phrase “not a bad person, just a bad parent” about my own father, I thought I’d share some thoughts about what that means for the Buckley parents.

It makes me doubt very highly they were physically abusive to either Maddie or Buck. This is a very common fanfic theme, but Maddie wouldn’t say they “weren’t bad people” if this were the case. Nor do I think they were neglectful in the sense that Maddie and Buck didn’t get the physical things they needed, such as food, clothing, etc. They probably even helped pay for college. Because that’s just what’s expected of parents. It’s like a bare minimum standard if you have parents who can afford those things.

That doesn’t mean they were good parents.

From my point of view, the Buckleys probably think they did fine. Their kids grew up, got an education, got careers, are financially stable, and don’t need them anymore. That’s a parent’s job, right? So, good job, Buckleys!

This is a long rant, but if you’re interested in what a relationship with a “good person, bad parent” parent is like, more under the cut. Sorry it’s long, I went off, lol.

Here are some examples from someone who had a “good person, bad parent” parent.

1. My dad has never, ever, said he loves me. And in fact, I don’t believe he does. Or any of his children, of which there are five.

This seems like the biggie, no? Like, you could point to this, and say, ‘Uh, that’s obviously emotional neglect?’ Probably. My mom and dad married in 1970 and having kids was just...what you did. And my mom LOVES children, and loves all of us very deeply, I have a close relationship with her, so don’t worry about me too much. But here’s the thing when you have a “good person, bad parent” parent. If you asked me if my dad would step in front of a train to save me, I’d probably say yes. But my mom would do it because she loves me. My dad would do it because that’s what you’re supposed to do for your kids and because he’s a good person, and that’s the good person answer. It’s a very strange, blurry line, but it’s also very much present. I’ve had conversations with my siblings about this, and they feel similarly, so it’s not just me.

1a. My dad does not show any affection.

No hugs, no kisses, no physical affection ever, and as you might have guessed by the above, he doesn’t show it verbally, either. My dad works a lot, has always worked a lot, and is very much ‘a man provides for his family’ and thinks, well, he’s done his job by providing for the family. So that’s it. Not even in the like, gruff, fatherly ways some men who are bad at emoting do, like teaching me to change my oil or a tire, drive, or how to fix the plumbing. Like, that was still mom’s job.

2. My dad and I have never had a real conversation about anything.

My dad comes is just kind of a stoic guy in general, but he does Not Talk to his children. About anything. It’s a non-starter. A relative was visiting, and asked what my cat’s name was. Unironically, his answer was...”I don’t know.” (Mind you, this is a cat that lives in the same house as him. It’s not my cat who lives with me somewhere else. IN HIS HOUSE.) When I would have friends over, and introduce them, he’d just kind of grunt a hello and I’ve had MULTIPLE friends ask me if my dad doesn’t like them or doesn’t want them over, and I’ve had to explain that no, he doesn’t care that they’re there, he’s just Like That.

3. My dad could give a fuck about his children’s activities.

I was on the volleyball team, swim team, my older brother (only one I went to high school with, there is a big gap between him and my other three siblings) played soccer, hockey and golf. Guess how many games my dad showed up to. Did you guess none? It was none. He never made a big deal out of buying equipment, and hockey and golf are not cheap sports, nor was the pool rental fees for my swim team. He never discouraged us from playing these sports, but he also...didn’t give a shit about them. Or anything we did. Even big events like graduation, when mom was giving us hugs, he would stand there with his hands in his pockets, like, clear “don’t hug me” signals, and not say anything beyond social niceties. I was valedictorian of my undergraduate college class and he didn’t even GO to that ceremony to hear my speech.

4. We were not a priority

My mom usually was the one who picked us up from school or sports, but she had five kids and other stuff going on, so very occasionally, she would ask my dad to do it, like if she was taking another kid to a dentist appointment of something. This happened VERY RARELY, because literally every time, he would forget and it gave my mom anxiety to ask him to do it. Like I can count on two hands the number of times EVER he was supposed to pick me up, and I would ALWAYS, ALWAYS end up having to walk to his work (luckily not that far from my middle school) to be like, “Dad, you need to drive me home.” He would just...forget.

But this sounds like a “bad person, bad parent” you say. But it’s more complex than that. As I said, my dad has worked hard his whole life, and he’s generous with his kids. I graduated with barely any college debt because my parents (and primarily my dad) paid my tuition, and he didn’t pressure my brothers (who hated school) to continue higher education and took them on as partners in the family business. He helped my sister buy her first house. He allowed us to pretty much have whatever pets we wanted. If its something we want that requires physical labor, he’ll do it. He and my mom never fight, he never yells, he’s a member of good standing in our church, etc. etc. etc. I never wanted for anything. My clothes were never dirty, I got to school every day, we had occasional family vacations. It was very normal. I just grew up into an adult that’s able to say “I don’t think my dad loves me.”

“Maybe his love language is just different, like taking care of things is just how he expresses himself.”

I’ve struggled with that a long time, and have had to accept that if there is a way my dad loves me and my siblings, it’s this. And perhaps the above is true. But I still grew up into a person that doesn’t think her dad loves his children. So, if that’s the only way he could express it, ultimately, it wasn’t enough.

That’s what it means to have a parent who’s a “good person, bad parent.”

But, I had my mom. I can’t imagine what my childhood would have been like if they were BOTH like that. I imagine it would have ended up much like they’re hinting the Buckleys ended up -- my siblings would have done the emotional heavy lifting, because some of them were much older. But guess what being the baby means? That when those older siblings are gone, you’re left alone.

[prorevenge]

Psycho Ex gets my egoless revenge with a side of heavy-duty karma.

The following story occurred over the course of 13-8 years ago, and I apologize preemptively for the length, because it is a bit involved.

I was in a relationship for 9 years with a girl I met in college. We broke up on the cusp of my 29th birthday. While breakups and divorce are never trauma-free, this one was as close to that as I believe is humanly possible to get, there were no fights and minimal drama, and I moved to a new city to get a fresh start and be nearer my dad/stepmom/half sisters, as I'm close to them and it was nice to have family during this. Get an apartment, start over, everything's good. Then I meet "her."

Things with her seemed good at first. She was the polar opposite of my ex. She's quiet yet nice, had her life relatively together (my first wife was very unfocused and horrible with money), physically a complete contrast, wild in the bedroom--I thought I had hit the jackpot.

Anyhoo, I fall for her hard. We have a whirlwind romance, move in shortly, and we have this glamorous life where we make good money (she was a corporate accountant, I had a decent small business, we're pulling in 150K+ combined), renting a luxury apartment, one car paid and the other brand new, no kids. Things are great, except that we drink too much together and some other underlying issues I'm blind to at the time. We get soused one night and drive to Vegas, and get married on the strip after 6 months of dating and 9 of knowing each other. The ink is barely dry on my divorce papers from version 1.0, but no matter, I'm in love. My family likes her overall. Her family loves me. We adopt cats. We talk about trying to have a kid.

We upgrade our life and take on more debt, just as the housing bubble bursts and the economy tanks, she loses a couple jobs due to her inability to show up on Mondays, and I start losing clients as the ones I have start cutting their advertising budget (my field). Things start to get pinched, and she first starts complaining, then gets petulant, because now we can't spend the way we used to, the quarterly mini-vacations dry up, plus we're cooking at home instead of going out to eat 4x a week. We basically stop having sex a little more than a year into the relationship (didn't realize it then, because I was dumb and love-blind, but she cheated on me during this period).seRealizing what we're up against with our normal bills plus our credit cards, I go out and get a job bartending at a posh resort, the only other real skill I have at the time that's marketable. I get two other part time gigs to help make ends meet. She still complains, and throws me an ultimatum before I even start getting paychecks, laying the blame at my feet. I say fine, screw this then. Had we stuck it out even a few more months, things would have started to turn a financial corner. Instead, she goes full two-faced, mean-spirited bitch on me. The night we first fight, she "attempts suicide" by scratching her wrist with a leatherman, then calls 911, gets admitted to the hospital (I arrive home to cops telling me this), and has the security guard toss me when I show up to see if she's okay because she doesn't want to talk to me. I use the quotes because there was a small collection of firearms nearby I bought for her target shooting hobby which were untouched, so it was obviously just a ploy for attention.

We basically fight for the next week, I give her everything she wants, which includes leaving the house, signing over my new truck to her, and only taking stuff I brought into the relationship, basically enough to fill a small storage space. She's financially pinched so I sell my office furniture for cash and don't even touch the bank account, just take my biz money and one CC I got separate from her. I go to the Bay Area for a few months, financially struggle, don't get the job I was sure was on lock. During this time, I have this revelation one evening--I drink too much and that it's caused a load of problems in my life, so I quit, and I haven't touched a drop since.

Broke and realizing nothing I try is working, I come back to town, live with my dad for a month, find a roommate, then a shit retail job (my business has dropped from 7-8K per month at its height to now around 500/mo), I bike everywhere bc I can't afford a car, and my credit is toast partially due to her love of spending on plastic, so I'm facing bankruptcy. I'm 31, and this is really humbling, but whatever, I'm alive, have dealt with hardship before, this won't last forever. She has kept her house, declared personal BK on her debts, keeps her car, and has been dating a series of men starting a couple weeks after we split. While I never asked the details, apparently she's also reached out to a few of my friends and badmouthed me a bit. This would be mildly annoying, but add in two factors--she's dragging her feet on the divorce due to not having money to file, keeps up contact on the pretense of us needing to talk, but plays emotionally manipulative head games during the whole sequence ("I've realized I still love you, that's why you can make me cry so easily," and other bullshit Hallmark movie lines like this). Also, we live in a suburb that's smaller and tightly knit, so multiple places I go to like my church, the bookstore I frequent, and the coffee shop right by my place, she talks endless shit to people. Says I was a cheater and physically/emotionally abusive (complete crap, but whatever), I'm stalking her, I supposedly stole tens of thousands of dollars from her, the whole nine. Some people actually believe her, I even get threatened by a wannabe biker one night that's literally twice my age with violence, itself a funny story but not the point.

Finally, after some more bullshit and back and forth, she leaves town (more falsehoods around this, including her borrowing a bit of money she didn't end up paying back, and sticking me with a massive overage on our cell bill right before we split the account). My dumb, trusting heart hurts but I'm mostly relieved to see the last of her, realizing she's only nice to me when she wants something. She goes to NY to shack up with another guy, gets pregnant 15 minutes later. Finally sends me divorce paperwork. I sign it and send back quickly, all notarized docs, everything organized and flagged. She attempts to be "friends" and I want no part of this BS. I'm businesslike, she gets upset. She screws up filing, blames me. I say "whatever," straighten out the court issues. One week after the divorce is finalized, the kid is born. No word from her after that for two years, thank god. I get a new career, start advancing in it, and start dating a new woman that I'm still with 10 years later. Weirdly enough, they knew each other, and she didn't like her, partially because one of my ex's infidelity partners was her ex-husband, during a time they were exploring patching things up for the kids' sake (though there were multiple reasons for her distrust, apparently she always gave my wife an icky intuitive feeling).

So flash forward two years. I get a call from my current squeeze. She's just talked to a friend who was also a very brief roomie of "her" after our split. She's breaking up with the baby daddy. There's a custody fight. He's saying he doesn't know if it's his. Will I help her? Well, it's the right thing to do, so even though I don't trust or particularly like her, I say yes. I get the call, and a sob story. Most of it doesn't add up--he took the kid, but thinks it's actually mine, to prove paternity I'd need to come to NY and take a paternity test at one of their facilities, also he hit her, put a GPS tracker on her car, brother is a Russian mobster who threatened her, all very far-fetched. Needless to say, even without this fanciful tale, I generally assume if this woman is talking, it's a lie, so I'm suspicious. Her lawyer calls me, and seems like a clueless shmuck. I get a letter from him, very unprofessional and not even on a letterhead (every other legal doc I've seen has "from the law offices of blah blah" on it, but this is literally just off a laser printer), and says, verbatim "I, M___ K___, am the ex-husband of J___ K___, and was married to her from 6/07-8/09. I have no legal interest in the child." Super shady.

Not wanting to end up in a situation where I've allowed myself to be legally fucked over, I make my own lawyer consultation appointment. Before I can even go, the baby daddy finds me on Facebook and sends me a message. Between calls with him, his lawyer, and the impartial lawyer NY state appoints for the child's welfare, I get a very different story. He knows it's his, he had a paternity test done on the sly at birth because she had been promiscuous before they got together, and she was pregnant so quickly he was concerned. They broke up because she was drinking too much, he busted her with a bottle of vodka as she was driving with the kid in the car. She stood up in court, claimed I was actually the father, and she had no idea where to find me (he found me in 10 seconds online, I'm a tech guy with massive social media presence, a tech blog, multiple writing credits on publications, my frigging name as a domain, plus I've had the same cell phone number for 14 years). Also the other BS was just that, he's an IT guy for a university and his brother works for a carpet cleaning chain, plus just like in our relationship, he never hit or stalked her, etc.

So she, not knowing what I know, starts sending me text messages. I say "Filled out and on its way back to your lawyer," and toss it in the trash. I'm so tempted to send her some poetic message about how the truth is coming back to haunt her, but I resist, because I'm not doing this for her, but rather for the sake of their son and his father, so let's keep my ego out of it. I provide legal statements to all in the court. Tell them I know it's not possibly mine because I hadn't been with her since April 15 of '08, kid's birthday is in Sept of '09 (I remember the date because, due to taxes, I got fucked twice that day). Explain when she was in NY, which is the likely dates of conception, prove I was thousands of miles away on the west coast. Tell them to look through her social media, where she meticulously tagged herself and took tons of pictures of even their mundane locations. Provide a blood sample to a local lab. Tell them salacious details about her drinking and occasional drug use, including her abused prescriptions and a previous hospitalization where she was held for psych eval due to taking way too many pills.

Court comes, and she gets blindsided. Stack of depositions and a collection of statements from me were what sealed the deal, apparently, and the incredibly stupid game she was running is fully exposed. Gets no custody, no support, supervised visitation once a week. I run into her ex-roomie, upset, but instead of giving her attitude, I just calmly tell her the scam J__ was running, then let her "pull out of me" the truth about our split. She's flabbergasted, but also a horrible gossip, so it gets around town like wildfire. People I barely know, including the aforementioned biker, all come up to me and apologize for misjudging me. I'm years past the stage of having any morbid curiosity to check her social media, but every few months she pops up as a "suggested friend," and I notice bemusedly the number of mutual friends plummets from triple digits to eventually 3. Baby's father sends me a massive Amex gift card for Christmas, as much as I make in a week at the time. I call and tell him I don't know if I can accept it, I don't want him or anyone to think I did this for a reward. He virtually begs, saying "you helped save my family. This is nothing in comparison. Thank you." We break down crying on the phone, and eventually form an odd, distant friendship based on mutual respect for each other. I even had dinner with him a couple times when I had to go to NY for biz over the years, and I always buy, because the poor guy has done enough and gone through enough having to coparent with this train wreck.

To this day, she's apparently struggling to stay sober (alcohol and other substances), and has minimal involvement in her child's life due to her inability to show up when expected. Baby daddy tells me she's been in legal trouble, financial issues up the ass, and a string of boyfriends that never last more than a few months. I'm doing well, got married again three years ago, raised step-children, am reasonably financially successful, and rather like my life. Granted, a large part of this story is just karma in action, but I feel like I did the right thing, wasn't petty, and what I did do hit her where it hurts.

TL;DR: Ex-wife fucks my life, destroys me financially, tries to trash my reputation, then tries to use me as a scheme in her custody battle years later. I talk to the court directly, work with the baby daddy's lawyers, and get her exposed for the psycho, lying wench she is. She loses custody, struggles, and the good people live mostly happily ever after.

(source) (story by heymomo7)

[businesblog]

54 Small Business Ideas for Anyone Who Wants to Run Their Own Business

Best Small Business Ideas

1. Handyman

Are you always fixing things around the house? Often on call when friends need small projects completed? Put together a website, figure out what your time and expertise is worth, and start asking those thankful friends for referrals.

2. Woodworker

Similarly, if you have a passion for crafting beautiful furniture or other home goods out of wood — there’s demand for that. List a few of your pieces on sites like Etsy, eBay, or Craigslist. Once you build a following, consider starting a website, accepting custom orders, or expanding to refinishing work and upholstery.

3. Online dating consultant

Dating consultants usually charge for their time. They help people create successful online dating profiles, source possible matches from outside normal online channels, and offer a level of personalization Tinder just can’t. Think you’ve got a knack for the match? This might be the business for you.

4. Sewing and alteration specialist

People will always need clothing hemmed and buttons mended — and you could be the person to do it. If you love sewing, start by offering simple services like those mentioned above, and expand your repertoire to dressmaking and design as you build a customer base and demand.

5. Freelance developer

From building websites for other small businesses to providing technical support for certain projects, quality web development is in high demand right now. With such a technical skillset, make sure you can describe what you do and how you will do it in easy-to-understand language. Test your messaging on friends and family who don’t have a firm understanding of the work you do.

6. Personal trainer

Offer in-home consultations, personalized nutrition and exercise regimens, and community boot camps to get the word out. Don’t forget to populate an Instagram feed with inspirational quotes, free exercise videos, and yummy snack ideas as well — it’s a common way for fitness gurus to build their brands.

7. Freelance graphic designer

Set your own hours, choose your projects, and build a portfolio and business you’re proud of. From website design to blog graphics and more, many companies seek out experienced graphic designers for all manner of projects.

8. Life/career coach

If you have some experience under your belt, put it to good use as a life or career coach. Many of us are looking for guidance in our careers — and finding someone with the time to mentor us can be tough. Life/career coaches don’t come cheap, but they are able to offer clients the intense and hands-on training and advice they need to make serious moves in their personal and professional lives. After all, sometimes everyone just needs some uplifting advice.

9. Resume writer

Submitting a resume, cover letter, and — when necessary — portfolio for a new job can be tough and time consuming. That’s why many people hire help. Assist clients with tailored resumes, beautifully edited cover letters, and carefully crafted portfolios that make it impossible for employers to ignore.

10. Freelance writer

If you have writing skills, there’s someone out there willing to pay you for them. Write blog posts, magazine articles, and website copy galore — just make sure you have a body of work built up to share with potential clients. Even if you create a few sample pieces to have on hand, they’ll help exhibit your work and attract new business.

11. Translator

Speak a foreign language? Start a translation service. Consider specializing in a specific genre of translation, like medical or financial translation, as you might be able to fill a niche need in your community.

12. Garden designer

Many people have the willingness to do the dirty work in their backyards, but few have the know-how to design a backyard space to begin with. Draw up the designs for your clients’ outdoor spaces and let them do the actual digging.

13. Ecommerce store owner

Do you create, collect, or curate anything special? Consider starting an ecommerce store and turning your hobby into a full-time job. Whether you need somewhere to sell all that pottery you’ve been making, or an excuse to search for the sports memorabilia you love tracking down — an ecommerce store can make it financially viable for you to pursue your passion.

14. Landscaper

Mowing, tree-trimming, and seasonal decor are all neighborhood needs. If you have or can acquire the equipment, a landscaping business can be a lucrative affair.

15. Videographer

Video production requires you to have invested in the equipment up front which can be quite expensive. But that’s also what makes your services so valuable. Make sure you have a reel of your work to share or create a website with several selections of your work available for interested viewers.

16. Photographer

Start by conducting photo shoots for your family and friends. As you build a body of work, ask for referrals. Photography businesses often grow by word of mouth, so create a Facebook page where you can tag recent clients, which will show up in their friends’ newsfeeds as well.

17. Travel planner

The time of the travel agent might be passing, but people are still looking for those with a knack for more nontraditional travel coordination. If you always plan the perfect vacations complete with beautiful hotels, the ideal location, and a bevy of delicious restaurants lined up for every evening, consider advertising your services as a more modern approach to travel planning.

18. Car-detailing specialist

The devil is in the details and you can be too. Car detailing services that travel to the client are in high demand. Just make sure you have the flexibility, transportation, and equipment to take your business on the road.

19. Home inspector

This will require a great deal of expertise and certification, but it’s a job that can give you the flexibility and pay you’ve always dreamed of. Confirm the licensing requirements in your state and consider taking a few courses to build out your knowledge, authority, and expertise.

20. House cleaner

With a low barrier to entry, house cleaning can be a great way to start doing what you love — soon. Consider advertising to homes in your neighborhood and get more bang for your buck by earning a few small businesses as clients as well. They’ll usually bring in a higher paycheck for a similar amount of work.

21. Personal chef

We all love to eat, but few of us have the time or energy to cook healthy, delicious meals. Advertise your services to local families and businesses alike. And consider "chunking" certain groups of clients — say, vegetarians — so you can cook larger quantities of the same dish to feed them all.

22. Property manager

Many people maintain properties they don’t live in — often based in different cities or states. It’s helpful to have someone to ensure the property is being well taken care of, handle small fixes as they arise, and serve as a liaison to renters.

23. Packing services facilitator

Moving is always a pain, and many people hire the entire packing process out. Want to have a steady stream of clients? Partner with a local moving service who will refer new clients to you.

24. Massage therapist

Soothe aching muscles and promote peace for your clients as a massage therapist. Look into training and certification courses in your city and state and invest in a portable bed to take on client visits.

25. Hairdressing or makeup artist

Sure, you could go to cosmetology school and pay for an expensive chair at a salon, or you could offer specialized styling and makeup services right to your client’s door.

26. Bed and breakfast owner

This is another business venture that will require you to research the correct licensure from your state, but it will be well worth it to see your dreams come true. Consider what guests will be traveling to your area to experience and create special packages and themed stays to coincide with their interests in your locale.

27. Interior designer

Similar to landscape design — there are many people who have the ability to buy the furniture and home decor they need to fill their rooms, but few who know where to start. It might take some time to build a portfolio but documenting your projects and sharing them online can build a fan base beyond your wildest dreams.

28. Nonprofit owner

If you dream of devoting your life to a cause you believe in, it might be time to start a nonprofit. You’ll need to incorporate your business and file for 501(c)(3) tax-exempt status — and then you’ll be required to meet ongoing standards of compliance, but the payoff is making a meaningful impact on a cause you believe in. Want to do good while still making a profit? Consider social entrepreneurship.

29. Tour guide

Love the local history of your city or state? Consider becoming a tour guide. Sure, you’ll need to conduct tons of research to be able to do the job well, but that’s half the fun. Set yourself apart by offering tours that speak to a specific niche of your community’s history. Some tour guides offer historical walking tours of their town’s most haunted spots while others curate guided foodie tours for guests to get a true taste of the city.

30. Tutor

Whether math whiz, piano master, or Shakespeare aficionado — there’s someone out there who needs a little help and is willing to pay for it. Advertise your services through local schools, community colleges, and community centers to get the word out and build a customer base.

31. Consultant

If you have significant experience in or knowledge of a specific subject, consider becoming a consultant. Perhaps you’re an expert at hiring practices, have a knack for SEO, or have led multiple sales teams to six-figure success. If you’re good at it, market yourself as a consultant and charge the going rate.

32. Clothing boutique owner

If you dream of building your own fashion empire, why not start with a local boutique? Build buzz with impressive window displays, inspiring social media accounts, and heavy community involvement.

33. Event planner

You might choose to specialize in a specific type of event — like weddings or company meetings — or set yourself up as an event planner of all trades. If you’re highly organized, pay keen attention to minute details, and have experience planning large events, it might be time others benefit from your skills.

34. Specialty food store owner

Gourmet foods, cheeses, sake, wine — you name a food, there’s a specialty food store out there for it. Put your passion for exotic olive oils to good use and open a store where you offer the kind of expertise and selection your audience couldn’t dream of getting from their local grocer.

35. Personal assistant

Again, if you’re an organized, highly detailed person, the life of a personal assistant might be for you. Don’t want to be tied to one office or person all day, every day? Consider becoming a virtual assistant, which allows you a more flexible work environment.

36. Food truck owner

Always dreamt of owning a restaurant but not quite ready to take the plunge? Test out your concepts with a food truck. It’s a great way to become familiar with food and restaurant licensing in your state, see what people like and don’t like, and build a ravenous following before ever opening or investing in a brick-and-mortar location.

37. Consignment shop owner

If you have an eye for style but don’t want to invest in the inventory of a brand-new boutique, consider going consignment. It will allow you to curate a collection of clothing that matches your goals and aesthetic, without the overhead of a boutique selling entirely new garments.

38. Caterer

If that personal chef gig is too restrictive for your schedule, consider catering instead. Pick your projects, work fewer but larger events, and get really good at time management.

39. Gym owner

Kickboxing gyms, yoga studios, CrossFit, oh my! Turn your passion for fitness into a community for others by opening your own gym.

40. Daycare owner

Childcare continues to be in high demand. While nannies and nanny shares are popular right now, a good daycare is hard to find. Fill a need in your neighborhood by opening your own. And, as always, make sure you’re complying with your city and state’s zoning, licensure, insurance, and inspection requirements.

41. Boutique agency owner

What’s your specialty? Whether it’s marketing, social media, or PR, it might be time to start your own agency. Many other small businesses need this type of help, but don’t have the resources or volume to necessitate a full-time position. Consider a building a small team and learn from other entrepreneurs who’ve successfully started their own agencies, like Duane Brown of Take Some Risk.

42. Coffee shop owner

Turn your caffeine addiction into something a little more lucrative. Opening a franchise or buying an existing shop are lower-risk entry points to the coffee game but they usually require a little more cash up front. Starting a shop from scratch requires a little more planning and a lot more work — but it also maximizes your earning potential in the future.

43. Moving company

A truck, moving equipment, manpower, and the correct permits and insurance are the building blocks of starting your own moving company. Before you buy your first fleet of trucks, however, start small with a moving van and keep your costs low. Still sound like too much of an initial investment? Consider offering packing services only, which have a much lower financial barrier to entry.

44. Home staging

If you have a flare for interior design, a staging service might serve as your creative outlet and professional calling. You can build a portfolio with little initial investment by staging homes using the owner’s existing furnishings and decor. Most stagers eventually build up inventory of furniture as they become more established and network with area realtors.

45. Dog walker, groomer, or trainer

Licensing and insurance will be the two most important factors in opening a dog walking, grooming, or training business, but your canine colleagues will surely make up for the initial red tape. To test the waters before jumping in, consider walking dogs through companies like Rover or Wag. Ready to run your own show? Consider a franchise like Dogtopia.

Home Business Ideas

These home business ideas give you a few more business options that are either based at home or online.

1. Freelancer

In the world of freelance, you can work from home and be your own boss. Use your skills to earn business in your desired field:

Writing

SEO

Transcription

Design

Illustration

Coding

Consulting

2. Social media manager

Do you have a knack for social media? As a social media manager, you can use your skills to manage the social media accounts for companies and even individual people. Influencer marketing has become more common and many influencersrely on marketing agencies or employees to help them run their social channels.

3. Data entry clerk

Many businesses seek data entry clerks to help them enter information into their computer systems and spreadsheets. If you have fantastic computer and typing skills, this might be the business for you.

4. Virtual assistant

There's a huge number of small businesses out there that are too small for full-time administrative employees but have too much work for their internal team. Virtual assistants perform these   [VIEW SOURCE]

[theloniousbach]

Week 33: Resist/s/urge: An Epilogue

[This entry concludes a weekly series of Facebook posts started as I sought to cope with going on lockdown.  Though we may well be heading back or should be, I have ended the series.  They are no more than ephemeral, but I archive this one as a record of the series.]

My title is meant to mash up “resist surge” and “resists urge” as I bring to an undoubtedly temporary end to this series which I started as we headed into lockdown.  I used it to focus on how I was coping—how as a measure and how as methods.  I shifted the heading every eight weeks as it seemed that we and I were entering new phases.  

We are certainly entering a new “resist surge” phase as we seem to have had almost 100,000 new cases yesterday and deaths over 1,000 the day before and nearly that many yesterday.  Most states are surging as is Europe and Latin America.  So, despite the profound US leadership crisis, the problems are not even primarily of that character.  It is not who is captain of the Titanic but that we are on poorly designed vessel sailing into a sea of icebergs.

It is also odd to suspend this series right as we end a US Presidential Election cycle where this issue is at the center.  But I have easily “resists urge” to write about that.  More challenging to resist is the urge to write about the broader, more fundamental politics underlying it.  I have such opinions and lived them in my 20s and 30s with pride and no regrets.  But this format is far from the avenue for those discussions—and, frankly, dear readers, even the young ones, for those discussions to matter very different social forces will be involved and lead them.

But I felt the series drifting in that direction as I have been settling into personal solutions to the profound challenges are living through.  So, it’s time for a balance sheet and an epilogue for now.  Again, there are new challenges/icebergs on the horizon.

But I started with addressing how I would keep body and soul together with attention, focusing on physical and mental health in the face of stress.  I continued and continue with intermittent fasting and, rather than the pandemic 15, I have continued to get rid of that middle aged gut and my weight is down 3% (rather than up 10%).  I am back in the range I was 30-35 years ago, but I am well aware that I don’t have the body of a 30 year old.  

Still I might be as fit as I have ever been.  From the start, I knew that daily exercise was key—and daily walks had been my prime exercise for year.  They were and are important for getting out of the house.  But I made daily yoga the focus witchin that first month.  I’ve been doing yoga fairly regularly for over 20 years, since I gave up alcohol as part of a detox prompted by getting off Codeine 3 for a long term bout with kidney stones in 1999 that culminated in surgery.  So I know my poses and had been using Yoga with Adrienne once or twice a week for several years.  I ramped it up with her several annual 30 Days of Yoga series working my way through all of them.  Now I’m a subscriber and follow mostly her daily classes.  I have much better muscle tone, posture, and lung capacity.

So, with the body part of body and soul going, I took up soul in parallel.  

I rolled with the punches with work and teaching fairly well, adjusting to the technology and tempo of remote work.  I am productive in ways that I couldn’t/cannot be at the office and feel connected to students and colleagues.  I get enough peopling in.

But, as someone important once said, life begins when this activity ceases, at the table, at the tavern, in bed.  Now the sale of my labor power is complicated and elements of it truly are unalienated and the rest of it is certainly rewarding and meaningful.  But it is alienated in the sense that, at 65 years of age, I can see the day looming when I can choose not to do it.  Life begins when I do the things I doubled down on to keep soul together.

STORIES—At first it was quite hard to concentrate and I could not read anything with a long arc.  So I read the Decameron, a story or two, but no more than three, a day until I had all 100.  It was a story of plague and distraction, so it fit. I also discovered streaming plays at first from the National Theatre of London but soon the Globe and Stratford Festival.  I homed in on Shakespeare, particularly lesser known plays.  That welcome habit has fallen off and I have missed an October series of three Shakespeare plays from a National Theatre partner.  But it is an acquisition that I hope to foster and grow.

I settled back into novels soon enough with mysteries mostly.  Right now, I’m rereading Elsa Hart’s The Cabinets of Barnaby Mayne to teach and for a Webster University Book Club with my class and Elsa herself.  Since she is someone I take my beginner’s questions about my retirement project book, it is useful to outline it on this reread as I took my note taking to a deeper, multiple purpose level.  Recently I got caught up in the 1632 universe of alternate history.  There have been several Anna Eliot/Charles Veley Sherlock Holmes/Lucy James pastiche novellas which are also good to study for my own project.  I got back into mysteries by rereading, 35 years on, the Martin Beck series on the occasion of Maj Sjowall’s death.  I also dipped into the Hogarth Shakespeare series to see how modern authors dealt with the very challenging source material of “The Taming of the Shrew” and “The Merchant of Venice” which were part of the theater season.  There were also a couple of Jodi Taylor St. Mary’s/Time Police novels as I keep up on that series.

SCHOLARSHIP—My teaching, an unalienated part of my labor and the part that I will do after retirement from the day job, has been rewarding.  I took Science in the News remote and asynchronous as we locked down.  That worked in the moment as I could make COVID our subject matter (because that what we were all studying anyway) and could think about how the world was testing us far more than I as a teacher could.  So I could relax about some of the mechanics.  I had already built eight weeks of rapport with them, so that helped too.  My current class happens synchronously but largely remotely.  It’s topic—the role of place—has been a way to test some concepts (place as human constructed, therefore rich in history worth studying, and where community happens) that are part of a broader collaboration that may result in a conference.

As we were shutting down, I had made some significant changes to my “last” Edgar Anderson paper for the Annals of the Missouri Botanical Garden with Gar Allen’s suggestions.  It received further polishing from the Annals editor and also pal Peter Hoch.  So it is well and truly done, set to appear in the last quarterly paper issue of that renowned journal.  While I have said it’s the “last” Edgar paper, gee, maybe I could write about his collaboration with Pioneer Hi Bred Seed Company and so might see if Agricultural History might want it.

Place and a historical mystery are where my intellectual interests will shift.

MUSIC—The biggest threat of the pandemic is/was the loss of live music.  That very first weekend of lockdown I had the decision to not go taken out of my hands by cancellations of the SF Jazz Collective celebrating Miles Davis’s In a Silent Way and Sly Stone’s Stand at the Sheldon and Joe Russo’s Almost Dead (where I have invested my Deadhead energy as I don’t think I’ll see any original members again, though talk about “resists urge” pressures) at the Pageant.  Those cancellations were sensible and necessary, but gee it would have been hard to make the decision to stay home.  

The pull for live music is that strong.  

But I’ve found it in ways that might even make for more opportunities.Jorma Kaukonen has done two dozen Quarantine Concerts, mostly solo with local friends from his Fur Peace Ranch operation, but Jack Casady came in for two shows in July and is around currently with the third show tonight.  Kaukonen is not only musically formative, but so forthrightly himself that it is comfortable to be with him.  I have similar warm feelings of connection with Larkin Poe who are extending the southern Americana blues roots etc tradition with slide guitar and killer vocals.  They have done various streams, both from their spare bedrooms to empty venues with their band.

The piano has been key and, at first, the recitals under the auspices of the 92nd Street Y and Fred Hersch’s almost 40 Tunes of the Day were the start.  The Chamber Music Society of Lincoln Center and the BBC 4/Wigmore Hall collaboration (with the helpful YouTube algorithm kicking in) gave me more choices.  Wigmore Hall is my go to source and through them I have seen Angela Hewitt wrap up her Bach cycle and Andras Schiff dig into the last three Beethoven Piano Sonatas.  I have discovered key parts of the horn repertoire including the Brahms Trio and the Mozart and Beethoven Wind Quintets and some of the clarinet chamber works (watching Gassenheuer for example.  I’ll click on most cello sonatas and ensembles and all piano trios.  There is something about this listening that has paid benefits to my jazz listening, particularly more challenging out there works, as I can hear structural elements better.

Jazz is my go to though and there is a wealth of in real time performances as if we really were in New York and had to choose between the Jazz Gallery (got a membership), the Vanguard (an annoying platform but top drawer stuff), the Blue Note, Smoke, and Small’s (a place to check for up and comers but also, with a contribution, through their archive, people who upped and came on the scene).  I have seen folks I wouldn’t have otherwise—George Cables, last night Oliver Lake/Reggie Workman/Andrew Cyrille, David Murray, Billy Hart with Mark Turner, Kenny Werner, Omer Avital.  It goes on and on.  I have lots of Couch Tour FB Note/Tumblr entries.

I was playing piano lots until we went on vacation, exploring how tunes fit together.  Nothing ready to unplug the headphones even for Ellen, but rewarding.  I have a new tune, “Everything Happens To Me” to understand, so I think that habit is returning.  But I do sit at the piano frequently for my almost weekly discussions with a young singer/songwriter/marching band tuba player about music theory where we explore things together.  They’re free to her and she still may be getting a bad deal but it’s part of keeping my body and SOUL together.  Between her, Jorma, and my own inclination, I do play lots of guitar and that helps too.

But it is WRITING that has been my biggest solace.  I come out of this experience comfortable saying I don’t just like to write and that I have a decent body of published work but I am a writer.  It’s how I live in the world.  It’s how I pin down my musical experiences for example.  

But obviously this series itself about coping with the pandemic is how I have coped with the pandemic.  I treasure that more of you have read these than I would imagine and I do take you all into account somewhat as I write these.  I want them to be organized, appealing, and clear.  But I am a writer and I would do this even if you weren’t here.  But social media means that I’m not Franz Kafka or Emily Dickinson writing to make sense of the world but creating papers that they would just as soon be destroyed.  That said, these are thoroughly ephemeral and this one will be the only one in the series curated in the sense that it’s on my Tumblr.

So, I am a writer who makes sense of the world by writing.  The world will call me to write by being insensible.  Very soon very likely.  But this series has run its course.  So as we resist the surge, I will resist the urge to do the same old thing.

Still I bet I see you soon.

[workfromhomeyoutuber]

You Need A Budget (YNAB): Humbly Confident Public Relations Manager

Headquarters: Salt Lake City, UT URL: https://www.youneedabudget.com/

At YNAB, we build the world’s best budgeting software. But teaching people how to get control of their money and changing lives, one budget at a time, is what gets us up in the morning. Over the years we’ve slowly gained some notoriety (the good kind!) but there are still a whole lot of people who have never heard of us, and it’s a budgeting shame. 

We’re looking for a natural storyteller, connector, and media whisperer, with years of public relations experience, to help us raise our profile. 

You have experience working with influencers and understand that bigger isn’t always better, but also, that sometimes, it is. You’re flexible like that. In fact, while reading the last two sentences, you began making a mental list of people you’d want to connect with right out of the gate. 

You see opportunities all around you and the thought of cold-calling a potential partner and pitching a potential project or campaign sounds thrilling. If you’re thinking, “Where is the challenge in that? I may even get an invite to the wedding!”, you just might be our person. 

You understand what makes a great story and what makes something media-worthy. And you love nothing more than packaging it all up and getting it in front of the right person, at the right time. 

When you look at all the awesome content the YNAB marketing team produces, you can’t help but think of 14 other ways you would promote it. Don’t be shy—we can’t wait to hear your ideas.  

If you are the right person for the job you’ll have the following experience and/or qualities: 

Experience in public relations, influencer marketing, affiliate marketing, referral marketing, and/or partner marketing 

A sense of humor and the ability to think on your feet (this sounds like improv, which isn’t a requirement, but how awesome is improv?!)

Strong skills as a writer, communicator, and negotiator  

Strategic-minded planner who can execute the details without losing sight of the big picture 

An assertive, proactive personality that is energized at the prospect of building new relationships, partnerships, and programs

A natural-bridge builder that can’t help but make connections, build consensus, and invite collaboration

Excellent time management skills which make juggling multiple projects, priorities, and pitches look easy

That gives you a pretty good idea of the job and who we’re looking for, but first, you need to know if you’ll even like working with us. (Spoiler alert: We think you will.)

A Bit About Us

We build the best budgeting software around, YNAB or “You Need a Budget” if you have a lot of extra time on your hands. For more than a decade, people have been buying YNAB and then telling their friends what a difference it has made in their lives. (Google us, or read some of our reviews on the app store, and you’ll see what we mean.) We love building something that has a huge positive impact on people’s lives.

We’re profitable, bootstrapped, and growing. YNAB started in 2004 and we haven’t taken any outside funding—we’re in it for the long haul. 

We have one overarching requirement when it comes to joining our team: our Core Value Manifesto has to really click with you. If you’re nodding emphatically while reading it, you’ll probably fit right in, in which case, we can’t wait to hear from you! 

First, let’s talk about life at YNAB and then we’ll go into detail about what we’re looking for. 

Who you’d be working with:

Lindsey & The Gang aka the Marketing Team aka just a rag-tag but lovable bunch of underdogs who defy the odds—making budgeting software hilarious, emotional, and accessible—day in and day out. (Disney, are you listening?) 

We love musical theater, board games, stand-up comedy, the Enneagram, video games, and art, to varying degrees, depending on who you talk to first. (Oh, and Ryan likes sports.) Our internal Slack channel is so much fun, it has a growing fanbase of its own. 

Lindsey, our Chief Marketing Officer, will be the first to delete something very important, but also the first to celebrate your wins—big and small. Ryan, our Digital Marketing Director, will quickly become your lifeline in any type of bracketology-related emergency and even under website-launch-level-stress, he can sneak in the jokes that make you feel like, “if Dad’s OK, we’ll all be OK.” 

You’ll collaborate a lot with Rachel, who leads out on the blog, possibly from Hawaii, where she’s working from an AirBnB for a month or two, because she’s cool like that. And Janelle, who is the hilarious brain behind our social media. Of course, there is also Ashley and Hannah, who are growing our YouTube channel, and basically scream “lifestyle partnerships!” with their very existence. And then there are awesome teachers Erin, Ben, and Kelly, who are building out educational content and self-paced courses, that are begging to be discovered by the right verticals and communities… And that’s not even everybody! 

It’s a strong, creative, hilarious team that genuinely enjoys each other and their work. 

How You’ll Work at YNAB

We work really hard to make working at YNAB an amazing experience. In fact, we were recently recognized as Fortune's #4 best small company to work for in the United States! We have a team full of truly exceptional people—the kind you’ll be excited to work with. Here’s how we operate:

Live Where You Want

We’re a distributed team, so you can live and work wherever you want. Proximity doesn’t influence productivity. Taylor, our CTO, was traveling who-knows-where for a couple of years before he bought a farm. Up and move to France for a year? Sure, Todd did that. Don’t like France? How about London, where Janelle trotted off to. Tulsa Remote? Can do. Or if you just love LA or Baltimore or Buenos Aires, we’ve got people there, too.  Not all of us move around, but the fact that these folks have is totally okay because we’re all adults. Just make sure you have a reliable internet connection.

No Crazy Hours

We rarely work more than 40 hours per week. There have been a few occasions where things got a little crazy and people had to log some extra hours. But then they took some extra time off, so it all balances out. We work hard and smart but we’re in this for the long haul, no need to go crazy on the hours.

Take Vacation (Seriously)

We want you to take vacation. In fact, we have a minimum vacation policy of three weeks per year. Five weeks feels about right (plus two extra weeks for Christmas break). It’s important to get out and do something. We’ll look forward to seeing pictures of your vacation in our Slack channel, creatively named #office_wall.

The YNAB Meetup

We get the teams together once a year to catch up on spreadsheets and powerpoints in a Best Western conference room. Just kidding. So far, we’ve done Costa Rica, a gigantic cabin in the mountains, a beach house in the Outer Banks, a ranch in Montana, and most recently, Laguna Beach. We work together, play together, and reinforce the bonds we’ve made as a team and company. Every year, we leave refreshed, motivated, and excited for the year ahead together.

Up Your Game

We’re serious about helping you improve your craft. We budget for it (hey-o!). Think conferences, Lynda subscriptions, dedicated time away from work to learn something new… it’s really up to you and your manager. But we love to see our people growing.  

International is Absolutely Okay

If you are Stateside, we’ll set you up as a W2 employee. If you’re international, you’ll be set up as a contractor. Employee or contractor, it’s all the same to us. You’re part of the team. (We are spread all over the world: Switzerland, Scotland, Mexico, Brazil, Argentina, Germany, Canada, and all over the United States.)

If You’re Stateside…

YNAB offers fantastic health, dental, and vision insurance, where we cover 100% of the premium for you and your family. (No need to check your vision, you read that right, 100%. Although if you did need to check your vision, NBD, we’ve got you covered!)

We also have a Traditional and Roth 401k option. YNAB contributes three percent whether you choose to throw any money in there or not. It vests immediately. (Are you a personal finance junkie like our founder Jesse? He set up YNAB’s 401k to have the lowest fee structure possible, where all plan costs are paid by YNAB, not your retirement nest egg. The investment funds available are fantastic, passively-managed, ultra low-cost index funds. You’re not a PF junkie? Trust us, it’s awesome.)

Other Tidbits

Once you start, we DEMAND (in a friendly, ALL CAPS IS YELLING way) that you fill out your “Bucket List” spreadsheet with 50 items. (That’s harder than it sounds!) 

The bucket list really helps in deciding what we should give you for your birthday and the holidays.

We have a bonus plan based on profitability. You’ll be in on that from day one. YNAB wins, you win. That kind of thing.

We’re all adults. There’s no need to punch a clock, or ask for permission to take off early one afternoon to go see the doctor (health insurance premium 100% covered!). We look at what you accomplish, not how long you sit (have you tried standing?) in front of a computer.

We want you firing on all cylinders so we’ll set you up with a shiny new computer and replace it every three years.

Did I mention we make a huge, positive difference in people’s lives? You may not think that matters much, but then a few months down the road you’ll realize it’s made your job really, really enjoyable. Don’t underestimate this one!

If this sounds like your ideal environment, read on because now I want to talk about you. You will play a big, big part in helping YNAB customers achieve success. You will change lives. I’ll only say that six more times.

Now, back to you, our new Public Relations Manager...

Before “content marketing” and “word-of-mouth marketing” were buzzwords, YNAB’s marketing efforts were anchored in content and community. It’s what we do best. But we have a lot of people focused on creating the content, and very few with bandwidth to really focus on promoting the content. This is where you come in. 

You are full of ideas. There are influencers to work with, content partnerships to forge, referral strategies to execute, media stories to land! 

You see our crazy, loyal fanbase and it gets your wheels spinning—oh, the things you could do with the two families who got YNAB license plates or the couple that threw a YNAB-themed Valentines date!  

If we told you that we were getting users to opt-in to share their data anonymously so we could publish an Annual Report full of spending trends and averages, your head might explode with the media coverage potential. (Oh, the potential!!) 

You are probably a storyteller in your own right, and although we have content creators, you wouldn’t be shy about diving right in and writing content for a partnership you are working on or an influencer campaign in the works. 

You are our ideal candidate if you: 

Have at least 3-5 years of professional experience in public relations,

Agency experience

Excel at juggling multiple projects and timelines at any given moment and switching gears keeps you fresh and stimulated. 

Opportunistic and proactive about sourcing, developing, and executing potential partnerships, programs, and/or campaigns

Energized at the thought of building something from nothing

Comfortable initiating and maintaining relationships 

Understand how to pitch the right media, the right content, at the right time

Persistent. Because media. 

Make us laugh. 

Manage your time exceptionally well and are comfortable working remotely. 

Incredibly organized, flexible, and collaborative. 

Never met a deadline you didn’t love. 

Self-motivated and driven by nature, maybe even a little competitive. 

Stay laser-focused on the big picture, without losing sight of every. last. detail. 

Wildly productive and independent, but a team-player at heart. 

Bonus Points: 

You already use and love YNAB. 

YNAB is an equal opportunity employer. We believe diversity of backgrounds, beliefs, and experiences to be critical to our success and are passionate about creating a welcoming, supportive, and collaborative environment for all employees. All are encouraged to apply as we continue to grow a smart, hard-working, and diverse team who love working together to build something that matters.

How to Apply

Apply here (https://ynab.recruiterbox.com/jobs/fk0qmzk) by 11:59PM on March 12th, 2020. Firm. It’s a real deadline. The kind you love.

Attach a pdf of your cover letter. In your cover letter: 

Introduce yourself and explain why this position is of interest to you, and why you would be a great fit. Please limit this section of the cover letter to 1.5 pages. 

On a separate page of your cover letter, answer the following questions (with each response being about a paragraph in length): 

1. What attracted you to this position? (This is not about what attracted you to the software.) 

2. What criteria do you look for when searching for your next company or position? 

3. What are your favorite and least favorite parts of your current job? 

4. Tell us about a time when you had to learn something new to excel at your job. 

5. We recently launched two self-paced video courses and have two more in the works. How would you go about driving people toward those resources? 

6. Tell us about a campaign or program you built from concept to execution. 

7. With what you know about our brand and our product, share some influencers or other brands that you think could be strong potential partners, and why. 

If you have a prepared resume, attach it in PDF form. If you don’t have a resume because you aren’t even sure you’re looking to change jobs, that’s fine! An informal list of your work and education history are all we’re looking for.

Please send all attachments as PDFs. 

P.S.  If you’re not interested in or available for this position, but know someone who is, we would really appreciate it if you passed this along!

To apply: https://ynab.recruiterbox.com/jobs/fk0qmzk

from We Work Remotely: Remote jobs in design, programming, marketing and more https://ift.tt/3chu8kE from Work From Home YouTuber Job Board Blog https://ift.tt/2w8wbXY

[epic-flight-academy]

Airline Pilot Salary

People choose an airline pilot career for a variety of reasons, first and foremost being their love of flying and sense of adventure while seeing the world. However, with the growing demand for commercial airline pilots worldwide, airline pilots’ salaries have become an excellent reason to consider a career in aviation. If you have been thinking about becoming a pilot but are concerned with how much pilots are paid, you can be assured that for the relatively small investment you make in flight training, the financial rewards of a pilot’s paycheck are more than sufficient.

How much do pilots make?

Like other professions, pilot salary is not equal across the board. Pilot salaries vary among types of airlines, the size of aircraft, and even flying routes. Salary also depends on other factors, such as a pilot’s credentials and experience, the specific job title (Captain or First Officer), and pilot union agreements. Also, most people don’t realize that pilots are paid by the hour – not an annual salary. In 2019, according to GlassDoor, a website where people self-report their earnings, the average airline pilot salaries were respectable. GlassDoor reported the average base pilot annual pay in the U.S. was $113,709 (based on 235 pilots who reported salaries). A 2018 report put the median annual commercial pilot salary in the U.S. at $130,059. (This means that half of all pilots earned less than this amount, and half earned more.) There are pilots working for major airlines making close to $300,000 per year. However, with so many factors impacting pilot salaries, it’s important to look at multiple perspectives and examples to have a real understanding of how much pilots earn, and, more importantly, how much you can expect to earn.

How is a pilot’s salary calculated?

First of all, remember that airline pilots are paid by the hour for actual hours flown. Federal law requires that airline pilots are to fly no more than 1,000 hours per year. This is to ensure they are well rested and ready to fly each time they enter the cockpit. Compare this to an average job where workers are expected to work 40 hours per week. Taking two weeks off for vacation, the average person works 2,000 hours per year – double that of a commercial pilot. A pilot’s hourly rate increases for each year he or she has worked for an airline. The range in hourly rate also changes by airline and by type of aircraft. For example, a senior Captain flying a B777 for Delta can expect to earn $330 per hour, whereas a junior First Officer on the same plane could expect to be paid $86 per hour. Flying the same plane for United Airlines, a senior Captain would earn $328, the junior First Officer $85. Remember that these ranges are on a continuum from lowest to highest pay, which changes incrementally depending on the pilot’s experience with the airline. If you’d rather fly cargo planes instead of passenger planes, you’ll find similar ranges in pay. A junior First Officer at FedEx will be paid $74 per hour, and senior Captain will earn $296. The range at UPS is even greater, with junior First Officers starting at $45 per hour and senior Captains earning $300. You can see by these wide ranges among a handful of examples that many factors impact actual salary calculations. Regional airlines typically start at around $35 per hour. Your starting pay is determined by various factors, such as your flight experience and type ratings. Although a college degree is not a requirement for most airlines, many do assign value to having a college degree during the hiring process using a point system to determine the best candidate and rate of pay.

How do international pilot salaries compare to U.S. airline pilot salaries?

The airline pilot shortage is not just a U.S. problem. Many international airlines are offering premium pilot salaries to entice American pilots to work for them. For instance, Emirates Airlines pays a Captain an annual average salary of $192,000 and an additional $50,000+ to pay for housing each year. This is on the high side. Most international airlines pay pilots similarly to U.S. airlines. Piloting the larger jets pays approximately $121,000, while flying smaller jets internationally pays around $104,000. This is why many international flight students attend flight schools in the U.S. Training in the U.S. is usually more available and affordable than in their home countries, and their FAA-approved licenses and ratings will transfer to any country. To properly compare pay rates between airlines, it is always advisable to review their hiring requirements.

What is a pilot’s starting pay?

Most commercial pilots in the U.S. begin their professional careers as Certified Flight Instructors. This is mainly because of the FAA’s “1,500-hour rule” that was established in 2013. The rule requires all first officers flying for commercial airlines to have accrued a minimum of 1,500 hours to qualify for their Air Transport Pilot (ATP) license. In order to log these required hours, flight training offers an excellent opportunity to “build time” in their logbooks, hone their aviation skills, teach new pilots, and earn a paycheck. Although most CFIs are paid a modest $30-40 per hour, depending on the flight school, the critical component for U.S. pilots is that they can build their hours without having to rent the use of an airplane, which could be costly. Once they have earned their ATPL, pilots can expect to be hired as a junior First Officer with a regional airline at an hourly rate of $30-60, again, depending on the company.Pilots flying for international airlines earn their ATP with different minimums depending on the country. For example, flight students from Colombia, Taiwan, and Saudi Arabia know that when they train in the U.S. and return home to begin their flying careers, they only need to have logged 250 hours instead of 1,500, and most have logged these required hours before leaving the U.S. Therefore, most international flight students can begin their airline pilot careers without first becoming instructors. To fully understand the number of hours needed to fly in your country, check with the Civil Aviation Authority there.

Do pilots ever receive signing bonuses?

Yes, Regional airlines frequently offer signing bonuses. For example, in 2018, Envoy Air offered a $45,000 signing bonus for qualifying pilots, Air Wisconsin $31,000. Envoy Air, Silver Airways, and GoJet Airlines offered signing bonuses ranging from $5,000 to $12,000. Trans States offered a $44,000 first officer signing bonus. Signing bonuses have become more common due to the pilot shortage, especially with regional airlines. This is good news for pilots who have recently completed flight school and want to begin their aviation careers. Most begin their commercial pilot careers as Certified Flight Instructors (CFI) to build the 1,500 hours needed to work for the airlines. The pay range for CFIs is typically $30,000 – 40,000. Flight instructing is the most common employment before taking the next step to the regional airlines where it is not uncommon to be offered a signing bonus. In addition to signing bonuses, some airlines pay annual bonuses to employees. For instance, in 2019, Alaska Airlines and Horizon Air workers shared $120 million in bonuses due to outstanding performances in 2018.

Does networking help in the hiring process?

Yes, we see this again and again. Although your qualifications will ultimately carry you across the finish line to the pilot job you are seeking, we know of hundreds of instances where pilots who became friends in flight school were instrumental in leading former classmates to new positions. We frequently hear from our graduates who bump into each other at terminals around the country, sharing their new positions and other career information. They network through social media after graduating from flight school and continue to support each other once they launch their aviation careers. Another type of networking that can help from getting your foot in the door to being hired at your dream job is the networking provided by your flight school. Here at Epic we frequently host events for our students where they meet representatives from our partner airlines. The airlines appreciate these opportunities, because they get to meet students early in their training and nurture a relationship with them. All of this leads to strong connections that help our flight students on their career paths. Never underestimate the power of networking.

What kinds of benefits do airline pilots receive?

Pilots typically receive excellent employment benefits, such as health insurance, life insurance, dental insurance, vision insurance, and a retirement plan. Pilots also get paid vacation time, sick days, holidays, and other personal time off benefits. Most pilots also receive per diem to cover food expenses, etc. Perhaps one of the greatest benefits is the pilot’s schedule. Because a pilot can only fly 1,000 hours per year, this means that pilots often have as much as two weeks off every month, resulting in greater leisure time than most occupations. Free airfare via jumpseats is another benefit for pilots, which is typically extended to family members as well based on seniority and other factors. Pilots can also find themselves overnighting in some wonderful locations, resulting in spontaneous sight-seeing and memory-making. Employees in any field of work often forget about the value of benefits. These benefits cost employers real money, and when calculating your actual pay you should always remember to include your total benefits package to understand the real value of your compensation. In today’s gig economy where people are frequently contracted as freelancers and receive no benefits, no social security, etc., pilots remain fortunate considering the many benefits paid by their employers.

How many years can an airline pilot work?

In the U.S., airline pilots are required by the FAA to retire at the age of 65. However, they can still fly as private pilots for companies like NetJets, where the average pay is $111,800 per year. The mandatory retirement age in the U.S. is one of the main causes of the pilot shortage. Airline pilots must also maintain a healthy lifestyle to avoid losing their Class 1 Medical, which is required of all ATPs. This means pilots should not smoke or use drugs, limit alcoholic intake, exercise regularly, get plenty of rest, and take all steps necessary to maintain the healthiest lifestyle possible in order to avoid losing their Class 1 Medical.

What are some examples of an airline pilot’s salary?

The purpose of this article is not to convince you to become a pilot because of the excellent pay and job security. People who decide to become pilots do so for less tangible reasons than pay and perks; most pilots profess to having a “calling” to fly. Perhaps there are pilots in their family tree or stories of missions flown in the military. Perhaps the desire to fly is innate in humans, just stronger in some. No, we never try to talk anyone into becoming a pilot, because we understand the deeper reasons people choose this career path. We simply provide this information to help you understand the nuanced ways pilot salaries are determined and the factors that contribute to increases in salary. You have to make a living, after all, and isn’t it wonderful when you can get paid to do what you most love? Therefore, we have provided a snapshot of pilot salaries based on years employed with various companies to give you an idea of the range. Whether you fly for fractional, charter, regional, law enforcement, or major airlines, the bottom line is that starting pay is generous, and there is plenty of room for advancement.

For more information on airline pilot salaries, please visit our website: https://epicflightacademy.com/airline-pilot-salary/

[oakpodcast]

Transmission 1 Transcript

TRANSMISSION 1 

MUSIC: INTRO, "SOLITUDE" BY MUCIOJAD 

SOUND: ... --- .../... --- .../... --- .../... --- ... 

HOLLY: This is Holly, broadcasting on all frequencies using protocol: MINISTER DELTA. This transmission is intended for Oak, last known location CAESAR casino in PRAGUE; all others please disregard. Repeat, this transmission is intended for Oak, last known location CAESAR casino in PRAGUE; all others please disregard. 

HOLLY: (cont’d) I’m at a loss for any other way to contact you. If you receive this transmission, please confirm via Minister Delta protocol. I’ve set up social media and Gmail drops under the username "OAKPODCAST." That’s Oscar Alpha Kilo Peru Oscar Delta Charlie Alpha Sierra Tango. Consider any of our previous means of communication compromised. 

SOUND: -.-- - .. ..- 

(MUSIC FADING OUT, CITY SOUNDS FADING IN) 

HOLLY: (cont’d) SitRep: Date: March... 11th, I think. Time: 8:42 A.M. Location: Unknown. Mission: Unknown. Transportation to mission location: Also unknown. Basically, assume everything is unknown for the time being. I have no idea what the hell is going on or why I woke up on the sidewalk, but here I am. 

SOUND: ... ..- .--. .--- 

HOLLY: (cont’d) I’m telling myself it’s just like any other field mission, but I think that’s the wrong narrative. On any other field mission I would have your voice in my ear, keeping me safe, telling me what to do and where to go. And I don’t have any of that right now. HOLLY: (cont’d) I keep expecting to hear your voice, telling me to go left, that the server room is just a few meters away and I’m doing great. 

SOUND: -- .. ..- .--. --.- ..- 

HOLLY: (cont’d) My memory’s gotten pretty bad since you left. I’ve gotten even worse about remembering to do things like take my meds or even eat, and my current situation is not doing any favors for my mental health, so I apologize in advance for how disjointed my thoughts must seem. 

HOLLY: (cont’d) You’ve always been able to read my mind, more or less. And I know if you were here, you would just... know without me saying anything. But... you’re not. So I have to use all of my energy to try to communicate coherently. 

SOUND: --- ..- --.- -- .-.. -.- --. 

HOLLY: (cont’d) I don’t know how much you know about my situation. I don’t know if you’re in a similar situation yourself, or if this is a refresher survival test and you’re watching me make a fool of myself, or if you’re still deep undercover with total radio silence. The last time I heard anything about your status was right after they shipped you off, right before Christmas. 

HOLLY: (cont’d) As far as I know, that’s where you still are, but... I’m a little worried you went rogue and went on some kind of vengeance-fueled murder rampage, and now you’re dead or imprisoned, and I’ll never know because... that’s just how it works. 

HOLLY: (cont’d) I can’t do what I need to survive and think like that. So I’m going to take a page out of your book and get through whatever this is via pretending and optimism. 

HOLLY: (cont’d) So here’s me, pretending you’re still alive. Still listening to my nervous transmissions from the field, and still waiting to swoop in and rescue me. 

SOUND: -.- ..- ..- --. 

HOLLY: (cont’d) I’m going to act under the assumption you’ve been kept completely in the dark about... whatever my situation is and debrief accordingly.

HOLLY: (cont’d) My leave was approved a few days after you were deployed. And during the past three months, I think I left the house twice-once in January to pick up the birthday package you sent me (thank you, by the way) and once this month-yesterday-for the tribunal. 

HOLLY: (cont’d) Not guilty, obviously. We knew that going into it. We both called it when the investigation was opened. I don’t know why I thought- (Sighs softly.) 

HOLLY: (cont’d) Even worse, they said there was an investigation into me for defamation of character and slander or something along those lines. I don’t know. I pretty much went deaf as soon as they said they were investigating me instead. 

HOLLY: (cont’d) Anyway. I went home, locked myself in the apartment with a bottle of wine, and passed out somewhere into my second glass. 

HOLLY: (cont’d) This morning I woke up and... I don’t know where I am. I think I might be in the Southern U.S., but I’m not sure yet. 

HOLLY: (cont’d) It seems pretty likely that this was an inside job, someone high up in the military with access to my apartment, but that... that’s really hard to believe. And even harder to think about at all

SOUND: . .-.. .-.. --. 

HOLLY: (cont’d) (Resigned sigh) Right. Inventory. I have one pair of prescription eyeglasses, one very wrinkled skirtsuit and white blouse, one pair of dress flats, one phone charger, and the smartphone I’m currently talking into-a burner, I assume, although no one has contacted it so far. 

HOLLY: (cont’d) Of all the outfits to get stranded in, it had to be a skirt and dress shoes. Really? 

HOLLY: (cont’d) Anyway, I’m currently attempting to acquire a library card and a micro SD card so I can unlock the bootloader, root the phone, and then flash a new rom to it. (Laughs) Obviously, the tech stuff will be child’s play for me. Acquiring the other two items, not so much. 

SOUND: --.- -.-. ..- .. ... ..- --- 

HOLLY: (cont’d) I’m really glad you appreciate my very... specialized skillset. If you need something hacked with a cell phone, or rewired with tweezers and a lighter, or blown up using only someone’s lunch and some toilet cleaner? Easy. But God forbid I ever have to talk to anyone! 

HOLLY: (cont’d) The amount of times I’ve had to fake something obscene with... wow, everyone on Yule Team? (I feel like we should keep stats on that.) What I really can’t believe is that Evergreen and Camellia never so much as made out on an assignment. How is it that they’re married, and yet I made out with Camellia more than Evergreen has on a mission? To say nothing of all the times you and I had to—

SOUND: .--- ..- --. -.. .- .--. .. 

HOLLY: (cont’d) Sorry, I digress. For just a second there, I was... happy. I forgot about everything that happened with... (sigh) 

HOLLY: (cont’d) Moving on... what if your philosophy about leadership changed? Did you suddenly decide that I needed to improve my weak areas? Is this all a training exercise for my own good? I guess that would actually be the most comforting explanation. (Sighs) 

SOUND: .- .--. --- ..- 

HOLLY: (cont’d) This is real life, right? I’m not magically on the set of Burn Notice 2? 

HOLLY: (cont’d) God, I can totally picture you sitting in your hotel in Prague, watching every season of Burn Notice and coming up with some sort of sadistic team-building exercise to do when you got back. Please tell me that’s what’s happening right now. 

HOLLY: (cont’d) I think in any branch of the military, a lot of things "don’t officially happen," especially to women. I mean, how else do you explain yesterday, otherwise? I guess this is just one more thing that "didn’t happen." 

HOLLY: (cont’d) All of our social media profiles, real and fake, seem to have been destroyed. I never thought about how much I might wish I had pictures of you until now, when I have no way of getting any. 

HOLLY: (cont’d) There are worse things to worry about, obviously. Like, I can’t get into any of my email accounts, or even my PayPal account. I can’t even dial outside America to reach anyone I know. Not that I have anyone to call, really. People in our line of work generally don’t have a lot of friends and family. I think that’s intentional. Normally I would call someone on Yule Team, but... 

SOUND: - --- -... ..- -.- ... 

HOLLY: (cont’d) If you are still alive, I think I know a way to transmit these broadcasts more securely. Remember when Agent Sharma went dark and then set up that Patreon account so we could access her private RSS feed without blowing her cover? I hope you remember, since you pinned the medal on her after that mission. 

HOLLY: (cont’d) Well, anyway, I’ve set up a page at patreon.com/oakpodcast. I don’t expect to be able to get by off of it, although, obviously, anything you send me would be a huge help. but if nothing else, I can send you certain information there that I’d rather not broadcast to the entire world. 

SOUND: -.... / .-- ..- ..- .... 

HOLLY: Really, if it weren’t for the lack of papers and money and actual accommodations and food, this actually wouldn’t be a terrible vacation. It’s somewhere new and warm, far away from... you know. 

HOLLY: Also, there’s plenty of opportunity to be alone here, which is one of my favorite things. Present company excluded, of course. I think you know that by now. 

HOLLY: (cont’d) That said, everything is really expensive when you have nothing. Hotels, ready to eat food-it’s a lot. And that’s not even touching the vehicle I’ll need to live in long-term. 

HOLLY: (cont’d) I really need papers as soon as possible, if our old friend will still speak to me. Maybe she’ll work on credit? I can’t get a plane ticket home or any kind of job or government assistance without an ID, so I’m making it priority one. 

HOLLY: (cont’d) I don’t know what else to say. 

MUSIC: OUTRO, SOLITUDE BY MUCIOJAD 

HOLLY: I’m going to try to take care of things while I wait for your response. I’ll report back in a few days. 

SOUND: --. ..- .--. --. .. -.. -.- ..- 

HOLLY: Oak, please confirm receipt of my transmission. Again, you can reach me on multiple platforms under the username "OAKPODCAST." Secondly, you can help me survive by donating to my Patreon, patreon.com/oakpodcast. That’s also where I’ll transmit more sensitive broadcasts-as soon as I figure out exactly how to do that from my phone. 

HOLLY: If you’re listening to this and you’re not Oak, you can make up for invading my privacy by rating and reviewing this broadcast, which will hopefully help my partner find me. End transmission.

[aretia]

Best Personal Finance Apps

It seems today that there’s an app for everything. And that’s mostly true! For those of us with busy lives, it can be difficult to keep track of email, appointments, and even our more mundane tasks, like paying bills or managing our finances.

The world of online banking, while overall accepted despite some security and privacy concerns, has opened up hundreds of opportunities in the past decade for tracking our checking accounts, credit cards, investments, and more. We can even transfer money into our retirement accounts with a simple swipe on our phone screens.

But how do we choose which personal finance apps are best for us? Several personal finance sites will list the hottest apps this season, but if you’re just starting out, here are five basic ones (tailor to your preferences) that you should install on your smartphone right now.

1. Mint

Mint was one of the first personal finance apps on the scene, arriving in 2006. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A few of Mint’s key features include:

• Monitoring of all your connected accounts. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately.

• Build budgets — and savings goals. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement.

• Check your credit score. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score.

2. A Mobile Payment App

Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you use a credit card, however, there is an associated fee.

While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters.

Venmo

Easily the most popular mobile payment app — enough that people use “Venmo” as a verb — you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank.

PayPal

A spinoff of eBay, PayPal owns Venmo but operates separately. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends — and businesses — super easy. Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency.

SquareCash

Square is a popular service you probably notice paying when you go to restaurants, coffee shops, concert venues, or other small businesses. SquareCash is a payment app for friends that also gives you the option of turning your cash into a SquareCash Visa debit card. You also can instantly deposit money from your SquareCash account to your bank account, rather than wait a few days for the transaction to process, but there’s a 1% fee.

Zelle

Zelle is associated with many popular banks as a way for its users to pay each other, including Bank of America, Capital One, and Wells Fargo, though you can’t use your credit card. Because it’s connected to your bank’s app, it offers a little relief for people who don’t want to deal with third-party software.

3. Your Bank’s App

While some major banks’ apps are better than others — and if you bank with a small credit union you may not have the option to use an app — it’s a good idea to keep your bank app handy if you need to deposit a check via mobile. That’s probably the best feature of any bank app, unless you choose not to track your bank account via Mint and do it directly through your banking software.

4. Your Investment Account

If you aren’t investing any of your money toward retirement, first things first — start doing that now. You can manage your retirement accounts, such as if you use Wealthfront or Betterment, in real time using an app. If you’re not great at remembering to invest, new to the scene are apps that will automatically deposit your spare change from transactions, or however much you choose, including Acorns and Stash.

5. Your Favorite Spreadsheet (or a Budgeting App)

Some of us are die hard Microsoft Excel fans, while others have found Google Sheets, the Google Suite spreadsheets option, to work just as well. Spreadsheet apps allow you to track your expenses on the go, if you enjoy creating a manual budget. (A spreadsheet is a good option for an annual review of your income and expenses, for example.) If you don’t, there are several budgeting apps available, such as You Need a Budget, which helps you live within your means. Although an app like Google Sheets is free, you’ll pay a small premium usually for budgeting apps that do more of the work for you.

While there are hundreds if not thousands of personal finance apps out there, we know you’ll find ones that work for you.

Lawyers In Utah Free Consultation

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

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Source: https://www.ascentlawfirm.com/best-personal-finance-apps/

[mayarosa47]

Best Personal Finance Apps

It seems today that there’s an app for everything. And that’s mostly true! For those of us with busy lives, it can be difficult to keep track of email, appointments, and even our more mundane tasks, like paying bills or managing our finances.

The world of online banking, while overall accepted despite some security and privacy concerns, has opened up hundreds of opportunities in the past decade for tracking our checking accounts, credit cards, investments, and more. We can even transfer money into our retirement accounts with a simple swipe on our phone screens.

But how do we choose which personal finance apps are best for us? Several personal finance sites will list the hottest apps this season, but if you’re just starting out, here are five basic ones (tailor to your preferences) that you should install on your smartphone right now.

1. Mint

Mint was one of the first personal finance apps on the scene, arriving in 2006. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A few of Mint’s key features include:

• Monitoring of all your connected accounts. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately.

• Build budgets — and savings goals. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement.

• Check your credit score. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score.

2. A Mobile Payment App

Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you use a credit card, however, there is an associated fee.

While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters.

Venmo

Easily the most popular mobile payment app — enough that people use “Venmo” as a verb — you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank.

PayPal

A spinoff of eBay, PayPal owns Venmo but operates separately. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends — and businesses — super easy. Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency.

SquareCash

Square is a popular service you probably notice paying when you go to restaurants, coffee shops, concert venues, or other small businesses. SquareCash is a payment app for friends that also gives you the option of turning your cash into a SquareCash Visa debit card. You also can instantly deposit money from your SquareCash account to your bank account, rather than wait a few days for the transaction to process, but there’s a 1% fee.

Zelle

Zelle is associated with many popular banks as a way for its users to pay each other, including Bank of America, Capital One, and Wells Fargo, though you can’t use your credit card. Because it’s connected to your bank’s app, it offers a little relief for people who don’t want to deal with third-party software.

3. Your Bank’s App

While some major banks’ apps are better than others — and if you bank with a small credit union you may not have the option to use an app — it’s a good idea to keep your bank app handy if you need to deposit a check via mobile. That’s probably the best feature of any bank app, unless you choose not to track your bank account via Mint and do it directly through your banking software.

4. Your Investment Account

If you aren’t investing any of your money toward retirement, first things first — start doing that now. You can manage your retirement accounts, such as if you use Wealthfront or Betterment, in real time using an app. If you’re not great at remembering to invest, new to the scene are apps that will automatically deposit your spare change from transactions, or however much you choose, including Acorns and Stash.

5. Your Favorite Spreadsheet (or a Budgeting App)

Some of us are die hard Microsoft Excel fans, while others have found Google Sheets, the Google Suite spreadsheets option, to work just as well. Spreadsheet apps allow you to track your expenses on the go, if you enjoy creating a manual budget. (A spreadsheet is a good option for an annual review of your income and expenses, for example.) If you don’t, there are several budgeting apps available, such as You Need a Budget, which helps you live within your means. Although an app like Google Sheets is free, you’ll pay a small premium usually for budgeting apps that do more of the work for you.

While there are hundreds if not thousands of personal finance apps out there, we know you’ll find ones that work for you.

Lawyers In Utah Free Consultation

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Family Lawyer American Fork Utah

Taxes On A Sole Proprietorship

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from https://www.ascentlawfirm.com/best-personal-finance-apps/

from Criminal Defense Lawyer West Jordan Utah - Blog http://criminaldefenselawyerwestjordanutah.weebly.com/blog/best-personal-finance-apps

[asafeatherwould]

Best Personal Finance Apps

It seems today that there’s an app for everything. And that’s mostly true! For those of us with busy lives, it can be difficult to keep track of email, appointments, and even our more mundane tasks, like paying bills or managing our finances.

The world of online banking, while overall accepted despite some security and privacy concerns, has opened up hundreds of opportunities in the past decade for tracking our checking accounts, credit cards, investments, and more. We can even transfer money into our retirement accounts with a simple swipe on our phone screens.

But how do we choose which personal finance apps are best for us? Several personal finance sites will list the hottest apps this season, but if you’re just starting out, here are five basic ones (tailor to your preferences) that you should install on your smartphone right now.

1. Mint

Mint was one of the first personal finance apps on the scene, arriving in 2006. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A few of Mint’s key features include:

• Monitoring of all your connected accounts. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately.

• Build budgets — and savings goals. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement.

• Check your credit score. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score.

2. A Mobile Payment App

Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you use a credit card, however, there is an associated fee.

While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters.

Venmo

Easily the most popular mobile payment app — enough that people use “Venmo” as a verb — you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank.

PayPal

A spinoff of eBay, PayPal owns Venmo but operates separately. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends — and businesses — super easy. Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency.

SquareCash

Square is a popular service you probably notice paying when you go to restaurants, coffee shops, concert venues, or other small businesses. SquareCash is a payment app for friends that also gives you the option of turning your cash into a SquareCash Visa debit card. You also can instantly deposit money from your SquareCash account to your bank account, rather than wait a few days for the transaction to process, but there’s a 1% fee.

Zelle

Zelle is associated with many popular banks as a way for its users to pay each other, including Bank of America, Capital One, and Wells Fargo, though you can’t use your credit card. Because it’s connected to your bank’s app, it offers a little relief for people who don’t want to deal with third-party software.

3. Your Bank’s App

While some major banks’ apps are better than others — and if you bank with a small credit union you may not have the option to use an app — it’s a good idea to keep your bank app handy if you need to deposit a check via mobile. That’s probably the best feature of any bank app, unless you choose not to track your bank account via Mint and do it directly through your banking software.

4. Your Investment Account

If you aren’t investing any of your money toward retirement, first things first — start doing that now. You can manage your retirement accounts, such as if you use Wealthfront or Betterment, in real time using an app. If you’re not great at remembering to invest, new to the scene are apps that will automatically deposit your spare change from transactions, or however much you choose, including Acorns and Stash.

5. Your Favorite Spreadsheet (or a Budgeting App)

Some of us are die hard Microsoft Excel fans, while others have found Google Sheets, the Google Suite spreadsheets option, to work just as well. Spreadsheet apps allow you to track your expenses on the go, if you enjoy creating a manual budget. (A spreadsheet is a good option for an annual review of your income and expenses, for example.) If you don’t, there are several budgeting apps available, such as You Need a Budget, which helps you live within your means. Although an app like Google Sheets is free, you’ll pay a small premium usually for budgeting apps that do more of the work for you.

While there are hundreds if not thousands of personal finance apps out there, we know you’ll find ones that work for you.

Lawyers In Utah Free Consultation

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Family Lawyer American Fork Utah

Taxes On A Sole Proprietorship

Inventions Made By Employees

Real Estate Resources

Can I Put A Trademark On My Logo?

Divorce Lawyer Magna Utah

Source: https://www.ascentlawfirm.com/best-personal-finance-apps/

[divorcelawyergunnisonutah]

Best Personal Finance Apps

It seems today that there’s an app for everything. And that’s mostly true! For those of us with busy lives, it can be difficult to keep track of email, appointments, and even our more mundane tasks, like paying bills or managing our finances.

The world of online banking, while overall accepted despite some security and privacy concerns, has opened up hundreds of opportunities in the past decade for tracking our checking accounts, credit cards, investments, and more. We can even transfer money into our retirement accounts with a simple swipe on our phone screens.

But how do we choose which personal finance apps are best for us? Several personal finance sites will list the hottest apps this season, but if you’re just starting out, here are five basic ones (tailor to your preferences) that you should install on your smartphone right now.

1. Mint

Mint was one of the first personal finance apps on the scene, arriving in 2006. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A few of Mint’s key features include:

• Monitoring of all your connected accounts. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately.

• Build budgets — and savings goals. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement.

• Check your credit score. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score.

2. A Mobile Payment App

Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you use a credit card, however, there is an associated fee.

While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters.

Venmo

Easily the most popular mobile payment app — enough that people use “Venmo” as a verb — you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank.

PayPal

A spinoff of eBay, PayPal owns Venmo but operates separately. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends — and businesses — super easy. Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency.

SquareCash

Square is a popular service you probably notice paying when you go to restaurants, coffee shops, concert venues, or other small businesses. SquareCash is a payment app for friends that also gives you the option of turning your cash into a SquareCash Visa debit card. You also can instantly deposit money from your SquareCash account to your bank account, rather than wait a few days for the transaction to process, but there’s a 1% fee.

Zelle

Zelle is associated with many popular banks as a way for its users to pay each other, including Bank of America, Capital One, and Wells Fargo, though you can’t use your credit card. Because it’s connected to your bank’s app, it offers a little relief for people who don’t want to deal with third-party software.

3. Your Bank’s App

While some major banks’ apps are better than others — and if you bank with a small credit union you may not have the option to use an app — it’s a good idea to keep your bank app handy if you need to deposit a check via mobile. That’s probably the best feature of any bank app, unless you choose not to track your bank account via Mint and do it directly through your banking software.

4. Your Investment Account

If you aren’t investing any of your money toward retirement, first things first — start doing that now. You can manage your retirement accounts, such as if you use Wealthfront or Betterment, in real time using an app. If you’re not great at remembering to invest, new to the scene are apps that will automatically deposit your spare change from transactions, or however much you choose, including Acorns and Stash.

5. Your Favorite Spreadsheet (or a Budgeting App)

Some of us are die hard Microsoft Excel fans, while others have found Google Sheets, the Google Suite spreadsheets option, to work just as well. Spreadsheet apps allow you to track your expenses on the go, if you enjoy creating a manual budget. (A spreadsheet is a good option for an annual review of your income and expenses, for example.) If you don’t, there are several budgeting apps available, such as You Need a Budget, which helps you live within your means. Although an app like Google Sheets is free, you’ll pay a small premium usually for budgeting apps that do more of the work for you.

While there are hundreds if not thousands of personal finance apps out there, we know you’ll find ones that work for you.

Lawyers In Utah Free Consultation

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Family Lawyer American Fork Utah

Taxes On A Sole Proprietorship

Inventions Made By Employees

Real Estate Resources

Can I Put A Trademark On My Logo?

Divorce Lawyer Magna Utah

from Michael Anderson https://www.ascentlawfirm.com/best-personal-finance-apps/

[melissawalker01]

Best Personal Finance Apps

It seems today that there’s an app for everything. And that’s mostly true! For those of us with busy lives, it can be difficult to keep track of email, appointments, and even our more mundane tasks, like paying bills or managing our finances.

The world of online banking, while overall accepted despite some security and privacy concerns, has opened up hundreds of opportunities in the past decade for tracking our checking accounts, credit cards, investments, and more. We can even transfer money into our retirement accounts with a simple swipe on our phone screens.

But how do we choose which personal finance apps are best for us? Several personal finance sites will list the hottest apps this season, but if you’re just starting out, here are five basic ones (tailor to your preferences) that you should install on your smartphone right now.

1. Mint

Mint was one of the first personal finance apps on the scene, arriving in 2006. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A few of Mint’s key features include:

• Monitoring of all your connected accounts. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately.

• Build budgets — and savings goals. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement.

• Check your credit score. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score.

2. A Mobile Payment App

Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you use a credit card, however, there is an associated fee.

While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters.

Venmo

Easily the most popular mobile payment app — enough that people use “Venmo” as a verb — you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank.

PayPal

A spinoff of eBay, PayPal owns Venmo but operates separately. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends — and businesses — super easy. Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency.

SquareCash

Square is a popular service you probably notice paying when you go to restaurants, coffee shops, concert venues, or other small businesses. SquareCash is a payment app for friends that also gives you the option of turning your cash into a SquareCash Visa debit card. You also can instantly deposit money from your SquareCash account to your bank account, rather than wait a few days for the transaction to process, but there’s a 1% fee.

Zelle

Zelle is associated with many popular banks as a way for its users to pay each other, including Bank of America, Capital One, and Wells Fargo, though you can’t use your credit card. Because it’s connected to your bank’s app, it offers a little relief for people who don’t want to deal with third-party software.

3. Your Bank’s App

While some major banks’ apps are better than others — and if you bank with a small credit union you may not have the option to use an app — it’s a good idea to keep your bank app handy if you need to deposit a check via mobile. That’s probably the best feature of any bank app, unless you choose not to track your bank account via Mint and do it directly through your banking software.

4. Your Investment Account

If you aren’t investing any of your money toward retirement, first things first — start doing that now. You can manage your retirement accounts, such as if you use Wealthfront or Betterment, in real time using an app. If you’re not great at remembering to invest, new to the scene are apps that will automatically deposit your spare change from transactions, or however much you choose, including Acorns and Stash.

5. Your Favorite Spreadsheet (or a Budgeting App)

Some of us are die hard Microsoft Excel fans, while others have found Google Sheets, the Google Suite spreadsheets option, to work just as well. Spreadsheet apps allow you to track your expenses on the go, if you enjoy creating a manual budget. (A spreadsheet is a good option for an annual review of your income and expenses, for example.) If you don’t, there are several budgeting apps available, such as You Need a Budget, which helps you live within your means. Although an app like Google Sheets is free, you’ll pay a small premium usually for budgeting apps that do more of the work for you.

While there are hundreds if not thousands of personal finance apps out there, we know you’ll find ones that work for you.

Lawyers In Utah Free Consultation

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Family Lawyer American Fork Utah

Taxes On A Sole Proprietorship

Inventions Made By Employees

Real Estate Resources

Can I Put A Trademark On My Logo?

Divorce Lawyer Magna Utah

from Michael Anderson https://www.ascentlawfirm.com/best-personal-finance-apps/ from Divorce Lawyer Nelson Farms Utah https://divorcelawyernelsonfarmsutah.tumblr.com/post/190151942800

[coming-from-hell]

Best Personal Finance Apps

It seems today that there’s an app for everything. And that’s mostly true! For those of us with busy lives, it can be difficult to keep track of email, appointments, and even our more mundane tasks, like paying bills or managing our finances.

The world of online banking, while overall accepted despite some security and privacy concerns, has opened up hundreds of opportunities in the past decade for tracking our checking accounts, credit cards, investments, and more. We can even transfer money into our retirement accounts with a simple swipe on our phone screens.

But how do we choose which personal finance apps are best for us? Several personal finance sites will list the hottest apps this season, but if you’re just starting out, here are five basic ones (tailor to your preferences) that you should install on your smartphone right now.

1. Mint

Mint was one of the first personal finance apps on the scene, arriving in 2006. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A few of Mint’s key features include:

• Monitoring of all your connected accounts. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately.

• Build budgets — and savings goals. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement.

• Check your credit score. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score.

2. A Mobile Payment App

Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you use a credit card, however, there is an associated fee.

While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters.

Venmo

Easily the most popular mobile payment app — enough that people use “Venmo” as a verb — you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank.

PayPal

A spinoff of eBay, PayPal owns Venmo but operates separately. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends — and businesses — super easy. Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency.

SquareCash

Square is a popular service you probably notice paying when you go to restaurants, coffee shops, concert venues, or other small businesses. SquareCash is a payment app for friends that also gives you the option of turning your cash into a SquareCash Visa debit card. You also can instantly deposit money from your SquareCash account to your bank account, rather than wait a few days for the transaction to process, but there’s a 1% fee.

Zelle

Zelle is associated with many popular banks as a way for its users to pay each other, including Bank of America, Capital One, and Wells Fargo, though you can’t use your credit card. Because it’s connected to your bank’s app, it offers a little relief for people who don’t want to deal with third-party software.

3. Your Bank’s App

While some major banks’ apps are better than others — and if you bank with a small credit union you may not have the option to use an app — it’s a good idea to keep your bank app handy if you need to deposit a check via mobile. That’s probably the best feature of any bank app, unless you choose not to track your bank account via Mint and do it directly through your banking software.

4. Your Investment Account

If you aren’t investing any of your money toward retirement, first things first — start doing that now. You can manage your retirement accounts, such as if you use Wealthfront or Betterment, in real time using an app. If you’re not great at remembering to invest, new to the scene are apps that will automatically deposit your spare change from transactions, or however much you choose, including Acorns and Stash.

5. Your Favorite Spreadsheet (or a Budgeting App)

Some of us are die hard Microsoft Excel fans, while others have found Google Sheets, the Google Suite spreadsheets option, to work just as well. Spreadsheet apps allow you to track your expenses on the go, if you enjoy creating a manual budget. (A spreadsheet is a good option for an annual review of your income and expenses, for example.) If you don’t, there are several budgeting apps available, such as You Need a Budget, which helps you live within your means. Although an app like Google Sheets is free, you’ll pay a small premium usually for budgeting apps that do more of the work for you.

While there are hundreds if not thousands of personal finance apps out there, we know you’ll find ones that work for you.

Lawyers In Utah Free Consultation

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Family Lawyer American Fork Utah

Taxes On A Sole Proprietorship

Inventions Made By Employees

Real Estate Resources

Can I Put A Trademark On My Logo?

Divorce Lawyer Magna Utah

Source: https://www.ascentlawfirm.com/best-personal-finance-apps/

[michaeljames1221]

Best Personal Finance Apps

It seems today that there’s an app for everything. And that’s mostly true! For those of us with busy lives, it can be difficult to keep track of email, appointments, and even our more mundane tasks, like paying bills or managing our finances.

The world of online banking, while overall accepted despite some security and privacy concerns, has opened up hundreds of opportunities in the past decade for tracking our checking accounts, credit cards, investments, and more. We can even transfer money into our retirement accounts with a simple swipe on our phone screens.

But how do we choose which personal finance apps are best for us? Several personal finance sites will list the hottest apps this season, but if you’re just starting out, here are five basic ones (tailor to your preferences) that you should install on your smartphone right now.

1. Mint

Mint was one of the first personal finance apps on the scene, arriving in 2006. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A few of Mint’s key features include:

• Monitoring of all your connected accounts. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately.

• Build budgets — and savings goals. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement.

• Check your credit score. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score.

2. A Mobile Payment App

Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you use a credit card, however, there is an associated fee.

While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters.

Venmo

Easily the most popular mobile payment app — enough that people use “Venmo” as a verb — you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank.

PayPal

A spinoff of eBay, PayPal owns Venmo but operates separately. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends — and businesses — super easy. Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency.

SquareCash

Square is a popular service you probably notice paying when you go to restaurants, coffee shops, concert venues, or other small businesses. SquareCash is a payment app for friends that also gives you the option of turning your cash into a SquareCash Visa debit card. You also can instantly deposit money from your SquareCash account to your bank account, rather than wait a few days for the transaction to process, but there’s a 1% fee.

Zelle

Zelle is associated with many popular banks as a way for its users to pay each other, including Bank of America, Capital One, and Wells Fargo, though you can’t use your credit card. Because it’s connected to your bank’s app, it offers a little relief for people who don’t want to deal with third-party software.

3. Your Bank’s App

While some major banks’ apps are better than others — and if you bank with a small credit union you may not have the option to use an app — it’s a good idea to keep your bank app handy if you need to deposit a check via mobile. That’s probably the best feature of any bank app, unless you choose not to track your bank account via Mint and do it directly through your banking software.

4. Your Investment Account

If you aren’t investing any of your money toward retirement, first things first — start doing that now. You can manage your retirement accounts, such as if you use Wealthfront or Betterment, in real time using an app. If you’re not great at remembering to invest, new to the scene are apps that will automatically deposit your spare change from transactions, or however much you choose, including Acorns and Stash.

5. Your Favorite Spreadsheet (or a Budgeting App)

Some of us are die hard Microsoft Excel fans, while others have found Google Sheets, the Google Suite spreadsheets option, to work just as well. Spreadsheet apps allow you to track your expenses on the go, if you enjoy creating a manual budget. (A spreadsheet is a good option for an annual review of your income and expenses, for example.) If you don’t, there are several budgeting apps available, such as You Need a Budget, which helps you live within your means. Although an app like Google Sheets is free, you’ll pay a small premium usually for budgeting apps that do more of the work for you.

While there are hundreds if not thousands of personal finance apps out there, we know you’ll find ones that work for you.

Lawyers In Utah Free Consultation

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Family Lawyer American Fork Utah

Taxes On A Sole Proprietorship

Inventions Made By Employees

Real Estate Resources

Can I Put A Trademark On My Logo?

Divorce Lawyer Magna Utah

from Michael Anderson https://www.ascentlawfirm.com/best-personal-finance-apps/

from Criminal Defense Lawyer West Jordan Utah https://criminaldefenselawyerwestjordanutah.wordpress.com/2020/01/09/best-personal-finance-apps/

[advertphoto]

Best Personal Finance Apps

It seems today that there’s an app for everything. And that’s mostly true! For those of us with busy lives, it can be difficult to keep track of email, appointments, and even our more mundane tasks, like paying bills or managing our finances.

The world of online banking, while overall accepted despite some security and privacy concerns, has opened up hundreds of opportunities in the past decade for tracking our checking accounts, credit cards, investments, and more. We can even transfer money into our retirement accounts with a simple swipe on our phone screens.

But how do we choose which personal finance apps are best for us? Several personal finance sites will list the hottest apps this season, but if you’re just starting out, here are five basic ones (tailor to your preferences) that you should install on your smartphone right now.

1. Mint

Mint was one of the first personal finance apps on the scene, arriving in 2006. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A few of Mint’s key features include:

• Monitoring of all your connected accounts. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately.

• Build budgets — and savings goals. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement.

• Check your credit score. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score.

2. A Mobile Payment App

Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you use a credit card, however, there is an associated fee.

While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters.

Venmo

Easily the most popular mobile payment app — enough that people use “Venmo” as a verb — you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank.

PayPal

A spinoff of eBay, PayPal owns Venmo but operates separately. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends — and businesses — super easy. Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency.

SquareCash

Square is a popular service you probably notice paying when you go to restaurants, coffee shops, concert venues, or other small businesses. SquareCash is a payment app for friends that also gives you the option of turning your cash into a SquareCash Visa debit card. You also can instantly deposit money from your SquareCash account to your bank account, rather than wait a few days for the transaction to process, but there’s a 1% fee.

Zelle

Zelle is associated with many popular banks as a way for its users to pay each other, including Bank of America, Capital One, and Wells Fargo, though you can’t use your credit card. Because it’s connected to your bank’s app, it offers a little relief for people who don’t want to deal with third-party software.

3. Your Bank’s App

While some major banks’ apps are better than others — and if you bank with a small credit union you may not have the option to use an app — it’s a good idea to keep your bank app handy if you need to deposit a check via mobile. That’s probably the best feature of any bank app, unless you choose not to track your bank account via Mint and do it directly through your banking software.

4. Your Investment Account

If you aren’t investing any of your money toward retirement, first things first — start doing that now. You can manage your retirement accounts, such as if you use Wealthfront or Betterment, in real time using an app. If you’re not great at remembering to invest, new to the scene are apps that will automatically deposit your spare change from transactions, or however much you choose, including Acorns and Stash.

5. Your Favorite Spreadsheet (or a Budgeting App)

Some of us are die hard Microsoft Excel fans, while others have found Google Sheets, the Google Suite spreadsheets option, to work just as well. Spreadsheet apps allow you to track your expenses on the go, if you enjoy creating a manual budget. (A spreadsheet is a good option for an annual review of your income and expenses, for example.) If you don’t, there are several budgeting apps available, such as You Need a Budget, which helps you live within your means. Although an app like Google Sheets is free, you’ll pay a small premium usually for budgeting apps that do more of the work for you.

While there are hundreds if not thousands of personal finance apps out there, we know you’ll find ones that work for you.

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Source: https://www.ascentlawfirm.com/best-personal-finance-apps/