pc 380x250 - Freedom from the 9 to 5: How to Make a Work-from-Home Job Work for You

Freedom from the 9 to 5: How to Make a Work-from-Home Job Work for You

June 2, 2018

It’s everyone’s dream job. Why spend your time trapped in a cubicle in the office when you can very well work from the comfort of...

cre2 380x250 - Repair Imminent: How to Restore your Credit Rating to ‘Good’

Repair Imminent: How to Restore your Credit Rating to ‘Good’

May 18, 2018

Credit scores are a fickle thing. There is a lot you won’t be able to do if you remain at a bad credit score—for starters,...

pay 380x250 - Fixing a Mess: Dealing with Bad Credit in the New Year

Fixing a Mess: Dealing with Bad Credit in the New Year

May 3, 2018

When you had bad credit before, it was easier to deal with it. Creditors will always try to find a way to get you to...

house3 380x250 - Easy Money: Tips to Make Money even when at Home

Easy Money: Tips to Make Money even when at Home

April 18, 2018

There was a time when making money from home seemed impossible. Jobs are traditional. Usually, a job is done in an office, sitting in a...

credit1 380x250 - Bad Credit Cards: Best Credit Cards to Use with Bad Credit

Bad Credit Cards: Best Credit Cards to Use with Bad Credit

April 3, 2018

Nobody wants bad credit—nobody. It’s almost like a one-way ticket to the poor house when you come into some bad credit. To be sure, bad...

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Freedom from the 9 to 5: How to Make a Work-from-Home Job Work for You

pc - Freedom from the 9 to 5: How to Make a Work-from-Home Job Work for You

It’s everyone’s dream job. Why spend your time trapped in a cubicle in the office when you can very well work from the comfort of your home? That’s what today’s technology has allowed. Workers simply need a strong connection at home or wherever, a laptop, and the know-how to market the skill sets that they have with clients looking for remote workers online.

If you’re new to the remote workforce, you must also know that it’s not all sunshine and daisies; this is the real world, and there are people out to scam you of your money. Here’s how you find the real remote jobs.

Search in online sites

The first step toward creating a presence online is to look for sites online that supplies the abundance of work you’re looking for. There are lots of online sites that post work, but then, lots of them also post work that is too good to be true. Be careful and vigilant when looking for online work, as it could either be a scam or work that is out of your reach.

pc3 - Freedom from the 9 to 5: How to Make a Work-from-Home Job Work for You

Search for known online clients

When looking for online jobs, there are websites that have jobs you’d feel safe applying for. These sites are already established in the community; some of them you can find on Facebook through the pages. There are some jobs that CareerBuilder posts as well. Recently, even LinkedIn has started to recognize working from home enough to entertain people looking for work-from-home freelancers.

Become a tele-marketer

Tele-marketers have become in-demand for the creation of call centers. It’s become easier with today’s technology, and there have been people working from the comfort of their own home. These people usually find jobs on sites like Telereach and Intrep. It’s not easy, though; you usually need to invest on good Internet connection, not to mention provide your own gear.

Look for secure jobs, even if low-paying

Working from home is never easy. It entails being to work by your lonesome, where your own worst critic is yourself. It also requires you to be your own time manager. When looking for work, as you’re building your freelancer portfolio, you should look for work that is stable, even if it is low-paying. This is to ensure that you’re looking for jobs that are steadily providing your income, even if you’re working from home.

The most you’re going to get is a video call job interview

Don’t expect to experience what you’re used to when dealing with a brick-and-mortar company. If you’re looking for work online, you’re literally going to work alone. There may be times when your client or some employees meets you, but companies that offer that are few and far in between. Even interviews and meetings are done through tele-commuting.

Repair Imminent: How to Restore your Credit Rating to ‘Good’

cre2 - Repair Imminent: How to Restore your Credit Rating to ‘Good’

Credit scores are a fickle thing. There is a lot you won’t be able to do if you remain at a bad credit score—for starters, bank loans won’t be easy to come by. That’s not considering the sizeable debt you have to pay off to get out of credit. There are other factors, of course, but it all starts—and at times, ends—with getting out of bad credit.

Looking for ways to improve your credit rating? It’s a must, if you also want to improve your life. Here’s how you can restore your credit score into the green zone.

//Knowledge of your credit report

When you’re trying to restore your credit to its formerly good graces, you need a basic idea of where it currently is. Is it in the red or in the green? Knowing how near or far you are from getting bad credit is a big help toward making your credit work for you. When you know this amount or how much you need to repair your credit, you’re on the step toward recovery.

cre - Repair Imminent: How to Restore your Credit Rating to ‘Good’

//Investments that are sound

Do not just invest for the sake of it. Know which investments will actually work with how you are; if you’re a risk-taker, it’s bad to invest in stocks. If you’re patient, calm, and collected, then stocks may be for you. It might not look like it, but the reason why some people find themselves in bad credit is because they do not take their attitudes seriously when deciding on which investment to do.

//Remember your payments

Do not ever forget to pay your credit debts. This is an easy way of accumulating more debt and burying yourself in the red side of credit scoring for the foreseeable future. If you want, you can create a calendar with which to maintain your credit with. You can set up payments and know when your bill is due. It could also be a reminder on how close you are to finally eliminating debt.

//Eliminate Debt step-by-step

It’s actually easier to pay your debt off little by little than trying to create a pool of money to pay it all off at once. Reducing the amount—even if by a little—goes a long way toward helping your credit score. It also creates an atmosphere of discipline. You get used paying for a certain date, it would help you not to forget to pay. It would also help you reduce your debt little by little, obvisouly.

//Look at your Payment History

The best way to keep yourself out of debt is, as mentioned earlier, to be ahead of your payments; at the very least, you should keep up with where your payments are currently at. You should not leave it up to chance or even think you’d pay at the next billing. Keeping ahead of your payments—especially when you’re paying off debt—is a good way of avoiding adding more debt to your credit.

Fixing a Mess: Dealing with Bad Credit in the New Year

pay - Fixing a Mess: Dealing with Bad Credit in the New Year

When you had bad credit before, it was easier to deal with it. Creditors will always try to find a way to get you to pay off your debt, but it was not hard to avoid them. Now, you are easily reached through a variety of ways—today’s technology has made it easier for you to be reminded of, and followed by, your debt.

Looking for a job just so you can pay off a sizeable debt isn’t the way towards financial freedom. There are ways, of course, and you’d best follow them, if you want to be free of financial shackles for the foreseeable future.

1|It all goes back to the credit report

Looking to repair your credit score? For any kind of repair on any kind of score or grade, you have to know what you’re going to repair. For this, you need a copy of your credit report. The importance of this is to give you an idea on how big an amount or how worse your credit grade is. You should also learn how to read your credit grade properly just so you can fix it properly.

2|Spend only when you can

If you are in the process of working your debt out, you need to know where to allocate your budget. That means you should have some money to pay it off, and if you don’t, make a plan to pay it off. You should also adjust your lifestyle accordingly. If you find yourself buying a lot of things you don’t need, make plans to reduce unnecessary spending. That will go a long way to helping you pay off some of that debt.

pay3 - Fixing a Mess: Dealing with Bad Credit in the New Year

3|Do something about your debt – Manage it

It is easier said than done. You can hire a fund manager, but if you’re just an ordinary employee, that wouldn’t be a good thing to do. Usually, you would have to manage it on your own; that’s why you need to watch videos available online. You also need to read up on how to manage your debt. There are a lot of content about this available on the Web.

4|Do something about your debt –  Settle it

Again, this is easier when you read it than when you do it. Settling your debt depends on a lot of factors. You need a really good job—you simply cannot rely on a job that will only pay for a fraction of the bill. You need to adjust your lifestyle as well. You can use some of your investments to create a cash flow to pay your bill, if—by some stroke of luck—you have them despite your credit debt.

pay2 - Fixing a Mess: Dealing with Bad Credit in the New Year

5|Consult a Credit agency

If you really wanted to finish your credit problems, going debtless by asking your credit agency for your score is the way to go. They’d be willing to help you—after all, they’re looking to get that debt erased so they can continue to offer you credit. You want to get it erased so you can lessen the bills you pay. It works both ways for you and them.

Easy Money: Tips to Make Money even when at Home

house3 - Easy Money: Tips to Make Money even when at Home

There was a time when making money from home seemed impossible.

Jobs are traditional. Usually, a job is done in an office, sitting in a cubicle and staying in one place from 9 to 5. In recent years, however, technology allowed people to work jobs without having to be physically present at a place. All a person needs to do his job is to have a laptop and a strong Internet connection.

There is a way to get work from home, but you have to be careful sifting through the legitimate jobs from the not. Here are ways on how to detect legitimate home-based jobs.

house - Easy Money: Tips to Make Money even when at Home

1: Paid for your Opinion

One of the main jobs available in abundance on the Web is surveys. There are different types of surveys; some of them, however, are paid and you can delve into this to get your foot into the online job market. Be aware, though, that not all of these ‘paid survey’ websites are available worldwide. They also pay small, and are usually taken part-time, at best.

2: Real Estate Trading and Investment

If you’re looking into the Investment kind of part-time work, sites like Fundrise may just be for you. These websites focus on making your hard-earned investment work for you, in a sense. Fundrise, and other websites like it, operate through allocating part of the funds of an assigned series of portfolios (usually townhomes or apartments) to your account. It’s not guaranteed money, though, but you can earn big through it.

3: Share Ideas about your Life

Surveys also offer a glimpse into your life—the life of a potential market that some investigating websites would like to get their hands on. Therefore, sites like them—and others—would pay big money to get a look into your life. This is the chance to make some small money through answering surveys and the like. Again, it’s not big, but it can add a substantial amount to your savings.

house2 - Easy Money: Tips to Make Money even when at Home

4: Cashback from Shopping and other Purchases

If you value your money, then you’d jump at the chance to get some of it back when you spend it. The easiest way of doing this is through cashback and rewards which credit cards and some sites can provide. eBates and Swagbucks-like sites are prime examples of this. Through these sites, you can earn back at least a small percentage of the money you spend annually.

5: Rent out your Home

Today’s millennial generation is big on traveling and there’s one thing that this has given rise to—dirt-cheap accommodations that don’t look dirt cheap. If you live in an area where there’s an annual influx of tourists, you can rent out a spare room in your home on sites like AirBnB. Even better—if you’ve got an investment like a spare apartment or home, you can offer that up for rent as well.

Bad Credit Cards: Best Credit Cards to Use with Bad Credit

credit1 - Bad Credit Cards: Best Credit Cards to Use with Bad Credit

Nobody wants bad credit—nobody. It’s almost like a one-way ticket to the poor house when you come into some bad credit. To be sure, bad credit happens when you experience bankruptcy or when you accumulate debts; the debts themselves are not the problem, it’s the amount accumulated that usually gets you into bad credit.

Bad credit also makes it hard for you to take loans or pay off some bills. If you want, however, there are still credit cards you can use to pay off that debt. It’s just a matter of shrewd know-how and credit management to keep you out of credit for good.

Secured Mastercard, Capital One

With an annual fee of 0%, what more can you ask for? This is good for people who want to get a creditor’s restored confidence to grant them loans. For as little as $49, you can start to create a $200 credit line. It gets even better—if you become a responsible card user this time around, you can even get a cash back on your deposit as well as an increased credit line.

Platinum Mastercard, Indigo

Indigo, meanwhile, has an annual fee of 0% (for people with previous bad credit) up to $99. Indigo’s Platinum Mastercard is also a great way of getting credit cards without worrying about your bad credit grade. People with bad credit will always have that mark on their records for up to ten years—if you want to get over that, then Indigo’s Platinum Mastercard is the card for you.

discor - Bad Credit Cards: Best Credit Cards to Use with Bad Credit

Secured Card, Discover it

The Secured Card from Discover it gets you a 2% cash back every time you use it in a restaurant or gas station, but that’s not the reason you get it. You get it because you can get back the money you’ve earned for the year through a dollar-to-dollar match; you get it because there’s no annual fee, and you get it especially because it will help you become more responsible with your finances.

VISA Credit Card, First Access

This VISA Credit Card from First Access isn’t really as special—you still get an annual fee of $75 initially. That amount falls to $48 once you’re good. What’s special about it is that they can report your finances to three major credit agencies, forcing you to be frugal; you are also aided by timely advice through the readily available Customer Center agents as well as Expedited Processing.

credit2 - Bad Credit Cards: Best Credit Cards to Use with Bad Credit

Unsecured VISA with Cash Back, Credit One

Credit One’s VISA card has a big caveat to it—you get it because you’re looking for a cash back. The VISA Unsecured variety from Credit One has a lot of offers for the people who want to get out of debt; You can use your cash back to pay off your credit debt. The cash back is pegged at 1% and can come from everyday purchases—from gas to dining, you can get that debt paid back eventually.