Do you keep getting passed over when applying for a new job? There are many reasons why this can happen. First, most corporate job openings get a lot of resumes. According to Glassdoor, each job opening sees about 250 applicants. Of those, employers call five or six candidates in for an interview. Second, consider the length of time hiring managers take to look through each resume for an open job. On average, it only takes six to seven seconds for the employer to decide whether or not to call the person in for an interview. The more applications an employer receives for a position, the less time they take to look through each resume. Most hiring managers don’t read resumes; they scan. As a result, resumes that are easy to read stand out. Most hiring managers focus on job titles, dates, and relevant work experience. Make these elements easy to read, and you instantly increase your chances of getting a call for an interview. Free Resource: Your Resume Only Has 6 Seconds to Make It Into the “Yes” Pile (Free Resume Checklist) How to get noticedThroughout my 14-year career hiring staff for companies, the best candidates always did a few things right. They never left getting a new job to chance. Instead, they proactively put themselves into a position where it was almost impossible to throw their job application away. Here are five ways to get noticed when applying for a job. 1. Write a customized cover letterOne of the biggest mistakes I noticed when reviewing resumes was a standard, boilerplate cover letter. I knew most candidates sent the same cover letter to each job opening, which instantly turned me off. It meant the candidate could not be bothered to spend a little extra time writing a custom cover letter for this opportunity. Write a custom cover letter for each job opening. Use the company name inside the letter. Mention the exact job position for which you are applying. And, include why you are applying for that position, and mention how your experience makes you the best candidate. 2. Tailor your resume to the positionLike your cover letter, you should tailor your resume to the job. Highlight specific skills mentioned in the job description. Use key terminology in your resume that is important to the employer. For instance, if expertise with Microsoft Office is critical for the job, move Microsoft Office up in your list of qualifications. Prioritize your skills based on the job. The hiring manager will notice. The best resumes are built specifically for the job requirements. They include only what the employer needs to know to properly vet you for the position. Nothing more and nothing less. 3. Use your networkInstead of applying for a job “cold,” reach out to your network. In some instances, you might be able to skip the application process altogether if someone in your network vouches for you. More than half of the jobs throughout my career came directly from my network. And frankly, this is why we have a network. Use it. Ask around for job opportunities. Find businesses that need help. Your chances of getting a job are greatly improved if you already know someone who works there or receive a personal referral from a respected colleague. Related: 5 Ways to Network on Social Media and Build Powerful Connections 4. Don’t be afraid to follow upIt’s acceptable to follow up with an employer if you haven’t heard anything within a few weeks after submitting a resume. However, give the employer enough time to go through resumes and don’t pester them. Many organizations receive hundreds of resumes for every job opportunity and depending on the organization’s size, it could take several weeks to go through all the job applicants. Follow up once, but stay professional. If the employer does not reply to you after following up once, move on to other opportunities. Repeated follow-ups are a one-way street to annoying the employer. As a hiring manager, I remember several times when I would go back through a stack of resumes and relook at a candidate after getting a professionally-written follow-up email. In a couple of instances, I called them in for an interview. This works, but the key is to stay professional. Don’t be pushy. 5. Scrub your social mediaIt’s true, many employers will do Google searches for their final few candidates before scheduling interviews. Pay attention to what you post online to ensure it won’t disqualify you from job opportunities. This happens more often than you may think. For instance, don’t post on social media about hating your job or your boss. Political discussions are also dicey, so steer clear as much as possible. This is especially true on social media platforms that include your name, like Facebook and LinkedIn. Remember that the things you post online reflect on you. Ensure your social media activity isn’t secretly keeping you from advancing your career. In conclusion, standing out is essential when applying for a job opportunity. Most companies get hundreds of applications for each opening. Use these techniques to set yourself apart from everyone else and increase your chances of getting the job. More Career Articles
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Buying a home is integral to the “American Dream,” but it is increasingly out of reach for many hard-working adults. The property market has been highly competitive over the last year because housing supply has shrunk dramatically. Now, many adults have given up on owning a home and expect they’ll rent for the rest of their lives. While most of the older generations will have their own homes through retirement, less than half of the largest group in the workforce – Millennials – think they’ll have that same luxury. Despite their pessimism, a competitive market doesn’t mean it’s impossible to own a home – even if you have bad credit. But what is a bad credit score? Credit scores are usually based on the FICO scoring system, and different credit bureaus may grade scores differently. This is how Experian ranks them:
About a third of consumers have a poor or fair credit score. If you fall in that category, don’t give up on homeownership. Some loans cater specifically to Americans with low scores. Mortgage OptionsA traditional mortgage is usually a fixed-rate loan, so the interest rate never changes. Although this is the kind of loan people typically think of, it’s only ideal for people with a credit score above 620. By contrast, an adjustable-rate mortgage (ARM) typically has a set interest rate for the first three to seven years but then fluctuates based on the market thereafter. ARMs are better for people with a credit score of 600 or higher. That difference between 600 and 620 might not seem like much, but it can help someone who needs it. When market rates are lower, the interest on your loan will also be lower. The drawback, however, is that if rates are high, you will pay more too. You’re at the mercy of the economy – you could save money on the interest rate or lose some. If you have a score as low as 500, you could qualify for a Federal Housing Administration (FHA) loan. FHA loans will cover about 97 percent of your home’s value, so you’ll need to make at least a 3 percent down payment. And until you pay off 20 percent of your home’s value, you’ll have to pay for private mortgage insurance. This covers your lender in case you default on the loan. Since it’s a government-backed program, you’ll have to go to an FHA-approved lender. Now that you know the various loan options, it’s time to take a look at the steps to getting there. Step-by-Step Guide for Buying a Home With Low CreditWith so many loans and interest options, the best thing to do is talk to a professional who can review your situation and find the best path for you. Step One: Get Your Free Credit ReportThe last thing you want is your credit score to be misreported. Go to annualcreditreport.com – you can get a copy of your credit report for free every year. Review all of the information provided. Is your social security number accurate? Are your addresses up to date? Which debts and transactions are causing you to lose points? If anything looks inaccurate, reach out to your lender. It could be something as simple as a paperwork mistake or as serious as identity theft. Work with your lender to get some documents proving the error, and reach out to the credit reporting agency with the evidence. The Federal Trade Commission even offers a sample letter you can use to dispute any errors. Step Two: Do What You Can To Raise Your ScoreUnless you’re in a rush to buy a home immediately, take some time to improve your credit score as much as you can. Five factors determine your score. From most to least critical are your payment history, outstanding debts, length of your credit history (how long you’ve had your cards), types of credit you’ve used, and amount of new credit. You can sign up for a credit monitoring service to help you keep track of it all. An app called SmartCredit offers a paid service and is one of the more helpful options. You can also use free tools, although they aren’t as in-depth. Credit Karma is one example. It can flag which credit factors are hurting or helping you the most, but it won’t give you detailed tips on how to fix those issues. Step Three: Talk to a ProfessionalThe best person to go to is a Department of Housing and Urban Development (HUD)-approved housing counselor. The government trains these counselors, specifically the Department of Housing and Urban Development. Their job is to help you find affordable, quality housing. They’ll get to know you and your situation, so they’ll be able to find local options that suit your situation. Step Four: Enroll in a Homebuyers WorkshopIf you can get into a course locally, it should be free. You can also do it online at your own pace. However, there will probably be a charge for this. Once the course is complete, you’ll get a certificate you can use when you apply for financing. The HUD counselor should be able to help you with this. Step Five: Look For FHA LoansAs mentioned earlier, Federal Housing Administration (FHA) loans are the best option for someone with poor credit. The loan won’t come directly from the FHA but through an approved, private lender. Your local HUD office should be able to find the best option in your area. Make sure you have enough funds to cover the down payment and the mortgage insurance fee. Step Six: Try To Get Pre-approvedLike any other mortgage, you can get pre-approved for an FHA loan. Pre-approval can help you save time and narrow your search as you look for a home. Like an approved counselor, this will help you understand what you can and can’t afford so you can look within your price range. Getting pre-approved for a mortgage also makes you a much more attractive buyer to whoever is selling the home. This is an excellent leg-up, especially in a competitive market like we see today. Once approved, don’t spend money on furniture or other big-ticket items. The banks will monitor your activity so be sure to stay on budget. In ConclusionKeep three main goals in mind as you move forward in your house-hunting journey: save up for a down payment, track your credit, and work with a professional. Doing this makes it possible to find a mortgage option that works for you despite your low credit score. This post was produced by Wealth of Geeks. Via https://mylifeiguess.com/buying-a-home-with-bad-credit/ If you want to be successful, you must work hard, right? There’s no denying that hard work is a significant key to success, but people who work hard are not necessarily more successful than those who don’t. Other factors like natural ability and talent also play a role. If you’re born into a wealthy family, you have a better chance of success than someone born into poverty. Sometimes, people get lucky and stumble into success. For most, success comes from a combination of hard work, natural ability, opportunity, and luck. You need to have some of each to be successful. But what if you’re not lucky or granted these opportunities? What can you do to increase your chances of success? While some of these factors are out of your control, one thing you can do is work hard. It won’t be easy, but if you’re willing to put in the effort, you can increase your chance of success. What Does it Mean to be Successful?If you want to be successful, start by figuring out what success looks like to you. Once you have a clear idea of your goals, start taking steps to make them a reality. For some people, success might mean having a high-paying job, a nice house, and a big family. For others, success might mean being able to travel the world, and experience new cultures, which equates to a happy and fulfilling life. There are some commonalities that successful people share. They are passionate about something and have a clear goal or vision that they are working towards. They are good at networking and building relationships. What Does Hard Work Mean?Like success, there are a lot of different interpretations of what hard work means. Some people believe that hard work means putting in a lot of time or taking on challenges. Others attribute hard work to physical labor. Hard work requires effort, dedication, determination, and perseverance. If you want to achieve goals, you must be willing to put in the work and accept challenges.It wouldn’t be called hard work if it were easy! There’s no denying that hard work is a part of life. And, if you want to achieve your goals, it’s something you’ll need to embrace. So, what does hard work mean to you? Is it something you enjoy or something you dread? Why Does Hard Work Matter? The Benefits of Hard WorkWith all the technology and advancements, it can be easy to be lazy and not want to put in the extra effort it takes to succeed. We quickly forget why hard work matters. There are many reasons why it matters, though. Hard work is often unpleasant and tiring, but it has many benefits. Hard Work Sets You ApartOne of the most important reasons hard work matters is that it equals results. If you put in the extra effort and ambition, you are more likely to see results than if you half-heartedly complete tasks. These results are what set you apart from others. We live in a competitive world, and those who work hard often come out on top. In today’s job market, you need to stand out and be the best you can be. Employers are more likely to hire or promote you if you are not afraid of hard work. Hard Work Teaches You New SkillsYou constantly learn and expand your knowledge and skills when you work hard and push yourself to do something you’ve never done before. You’ll also learn to manage your time and resources, become more organized, and prioritize your tasks better. So if you want to learn new skills, be willing to work hard. You’ll be surprised at how much (and how quickly) you can learn when you put your mind to it. Hard Work Improves Your Work EthicPeople who work hard are typically more disciplined, responsible, and dedicated. By working hard, they develop a strong work ethic that builds character and enables them to overcome obstacles more easily. Hard-working people tend to be more resilient and can handle adversity better than those who don’t work hard. They become successful because they’re not afraid of putting in the extra effort required to achieve their goals. Hard Work Builds Strong RelationshipsPeople will notice your enthusiasm if you are prepared to work hard. It can earn you the respect of your co-workers, boss, and other people with whom you interact. They will see you as a go-getter and looking for new opportunities. They trust you with important tasks and projects and confide in you when they need help. Being a hard worker can also help you build strong relationships outside of work, especially with people with similar goals. You can bond over your shared values and motivation to succeed. Building strong relationships within your network takes time and effort but is worth it. When you have these relationships, you have a support system of reliable people who will help you when needed. Hard Work Can be FulfillingIt feels good to know that you have worked hard to achieve something worthwhile. You feel a sense of accomplishment and pride, which is a great way to build confidence and self-esteem. This satisfaction can lead to a more positive outlook, making your life happier and more fulfilling. It can be very motivating and lead to even more success in your future. Hard Work Benefits Our SocietyHard work is a virtue that we should all strive for, as it benefits society as a whole. When people work hard, they’re more productive. They can contribute more to their communities, whether it’s through economic activity, volunteer work, or simply by being good citizens and positive role models for others. It can also lead to increased skills and knowledge, which can help people become better educated and more informed citizens. We should all aspire to work hard to make our communities better. Hard Work Leads to SuccessAlthough working hard doesn’t guarantee success in life, it does lead to it by helping you achieve your goals and reach your full potential. Many successful people do not give up when things get tough. They show persistence and achieve their objectives through a commitment to hard work. Hard workers usually reap the rewards of success and satisfaction. They are awarded high grades in school and promotions and raises at work. If you put in the extra effort, it will be noticed and allow you opportunities to move up the job ladder. These skills are valuable and appreciated in the workplace and in life. You are setting yourself up for success by demonstrating reliability and competence when you work hard. Tips for Working Smarter, Not HarderTo achieve success, you also need to work smarter. Working smarter means being more efficient and effective in the way you work. It means setting priorities and ensuring you’re using your time, energy, and resources in the best way possible. First, know when to say no. You can’t do everything, and trying to do too much will likely hinder your chances for success instead. Learn to identify what’s important and focus on that. Take breaks and recharge your batteries. Working non-stop is not sustainable in the long run and will only lead to frustration and exhaustion. Focus on quality over quantity. You should put more effort into producing high-quality work, even if it means completing fewer tasks. This approach is more likely to lead to lasting success than simply putting in long hours all the time without paying attention to quality. Lastly, work smarter by setting realistic goals. You’re better off setting smaller, achievable goals that you can achieve. It will keep you motivated and on track and help avoid burnout. How To Motivate Yourself To Work HardYou know why you should work hard, but how do you motivate yourself to do it? Remember Your “Why”Perhaps the most important thing is to remember why you’re working hard in the first place. Whether it’s to achieve a short-term goal (like finishing a project by a specific deadline), or a long-term goal (like advancing in your career), keeping your eye on the prize will help you stay focused. Stay PositiveIn addition to setting goals, it can be helpful to keep a positive attitude and to think about the benefits that hard work can bring. For example, if you’re working hard to improve your health, you may be motivated by the thought of feeling better, having more energy, or looking better. It can be easy to get down on yourself when things are tough and you feel like giving up. But you’ll be more likely to push through and get the job done if you have a positive mindset. Learn Along the WayIt is also important to remember that success is not always about achieving your goals; sometimes, it’s about the journey and what you learn along the way. If you focus too much on the result, you might miss learning valuable lessons. Find a Role ModelFind a role model or work with a mentor or coach who embodies the work ethic you want to have. When you see someone who is successful and has worked hard to get there, it can be a reminder of what’s possible if you’re willing to put in the effort. Surround yourself with people who support and inspire you. Build a network of like-minded friends and colleagues who push you to be your best. Choose the Right Career PathWhen it comes to your career, choose something you are passionate about or at least enjoy. If you are not interested or engaged in your trade, it will be difficult to work hard at it. Consider a challenging career that will reward you by pushing you out of your comfort zone. If you find a job that is too easy, you will quickly become bored and unmotivated to work hard. Just StartOne of the easiest ways to work hard is simple: just start. It can be easy to procrastinate and put off getting started on a task, but once you get going you’ll often find that it’s not as difficult as you thought it would be. So if you’re feeling stuck take the first step and see where it leads you. Don’t Give UpSuccess is not a straight line. There will be ups and downs. Do not give up during these times. Use them as motivation to keep going. Is Hard Work the Key to Success?There is no magic formula for success and there is no guarantee that you will achieve your goals by working hard. But if you don’t try, you definitely won’t reach them. Success takes effort. You can’t just sit back and wait for things to happen; you have to go out and make them happen. Of course, working hard is not always easy. It often requires sacrifice and it can be challenging to maintain motivation when you do not see immediate results. But the satisfaction of finally achieving your goals – after all that hard work – is worth it. The benefits of hard work are numerous and can lead to a successful, fulfilling life. So next time you feel like slacking off, remember why you should work hard instead. This post originally appeared on Savoteur. Via https://mylifeiguess.com/stop-ignoring-hard-work-if-you-want-to-succeed/ If you’re looking for a fun job that pays well, look no further. This list has 50 options for you to consider from various fields. Whether you’re interested in fashion, food, or something else entirely, there’s sure to be something on this list for you. And who knows, maybe one of these jobs will be your dream job! Here are 50 fun and well-paying jobs from a variety of different fields. Advertising Sales AgentBeing an advertising sales agent is fun because you meet new people daily and exhibit new products. You can travel to different destinations as you research and locate potential customers for your employer’s products, so you won’t be glued to your office desk all day. Another advantage of this well-paying job is its room for growth in rank and earning. For example, you can be promoted to a marketing coordinator. If you are a go-getter, you will make good money and enjoy working as an advertising sales representative. Animal Care/GroomerIf you love animals, working in a zoo, animal shelter, or veterinary office can be an excellent opportunity for you. This fun job will allow you to improve these animals’ lives and earn a good living in the process. Professional animal groomers primarily work with dogs and cats; however, clients can also bring in other exotic animals once in a while. AnimatorAnimators are the amazing people who bring images to life on screens. Creating something people will enjoy watching or listening to is a lot of fun. They work on movies, TV shows, music videos, websites, and video games. The more you expand your experience, the more you increase the chances of earning better pay or working on bigger projects. ArchitectBeing an architect is fun because you get to design different landmarks that define a city. You can also design structures like skyscrapers and private properties. Similarly, landscape architects use flowers and trees to create parks, museums, and other public spaces. Related: Are You Detail-Oriented? These 50 Jobs Could Be Perfect for You! Art DirectorArt directing is excellent for people with a creative eye. The role of an art director is to control the visual aspects of a marketing or media campaign. Making these campaigns can be a lot of fun. They also direct all the people involved in the project to make the vision successful. You will have to work with other artists and designers in museums, television, and the film industry as an art designer. Art TherapistArt therapy involves mixing art and psychology. Art therapists can work in veterans associations, schools, mental health institutions, and psychiatric hospitals to teach people how to create art to express their emotions. If you are already a psychologist, consider earning a master’s degree and incorporating the art component in your work. You and your patients will enjoy the therapy sessions more. ArtistsBeing an artist is one of the many fun jobs in the art industry. Artists use their creativity to make paintings, drawings, sculptures, and other art-related pieces. Working in this field allows you to feed your creativity, expand your imagination, improve your abilities, and earn a good salary. Related: Art as a Side Hustle – or Something Like That BloggerBlogging is fun because you choose the topics or subjects you are passionate about. You also get an opportunity to share your knowledge and use your opinions to entertain and influence people. This rewarding career has become more popular these days because many people are on social media. How much money you make as a blogger will vary, but there are more and more 6-figure bloggers every day! Book ProofreaderIf you love reading books or novels but are not good at writing, become a proofreader. Proofreading jobs involve reading books or other written materials and correcting mistakes before it gets published. A bachelor’s degree in English or Literature would be ideal to flourish in this career. Additionally, ensure that you interact with more authors and publishing organizations to market your skills. Color ConsultantThe work of a color consultant is to advise designers or homeowners on the best color schemes for a particular space or decorative project. These experts combine color psychology and color design theories to develop an attractive solution that meets the customers’ needs. Besides being creative and artistic, you must be aware of current trends to succeed in this well-paying career. Creative DirectorThe role of a creative director is to create, plan, and implement a strategy for different projects in a company or agency. These employees are usually in charge of the visual or creative departments of film, entertainment, or advertising companies. They monitor brand campaigns and revise presentations and marketing materials to comply with the brand’s standards. You need creativity and excellent design and communication skills to succeed in this rewarding career. Cruise DirectorThis job requires excellent customer service, hospitality, and administrative skills. It involves ensuring that everything happening on the ship is safe and successful. Being a cruise director allows you to meet new people, see the world, and earn a lucrative salary simultaneously. Cruise Ship EntertainerAny job on a cruise ship can feel like a never-ending vacation. Cruise ship entertainers enjoy a unique travel experience because they get free rooms and go ashore when the vessel is in the port. You can work as a musician, dancer, comedian, or any other type of performer. They usually rehearse during the day and perform for the people on board at night. This job is gratifying, yet it only requires you to work for a few hours per day. Dog WalkerIt is possible to walk another person’s pet, have fun, and make a good income. If you find clients with hectic schedules, they can also pay you to take care of their dogs while away. The advantage of this job is that you do not need a college degree. However, you must love animals and be strong enough to walk small and large dog breeds. Ethical Computer HackerToday, you can use your computer hacking skills positively. Ethical hacking, also called white-hat hacking, has become a highly demanded job due to the increase in cybersecurity issues. Organizations can hire you to identify and fix security weaknesses if you have strong computer skills. Ethical hackers are receiving handsome pay for their expertise. Related: 30 Places to Learn New Job Skills for FREE! Event PlannerEvent planning is one of the most enjoyable jobs that pays well. It allows you to help your clients celebrate the special days or events in their lives, such as weddings, retirement shindigs, graduation, and birthday parties. You can also specialize in a corporate approach and start coordinating meetings or other professional events. Event planners take home a pretty impressive salary. Executive ChefBeing a chef is an exciting position in the food industry. If you have a passion for food, you will enjoy creating delicious meals and recipes for your clients. Besides the good pay, this career offers countless opportunities. For example, you can get hired as a private chef, or you can decide to start your own restaurant. Related: Companies that Hire Felons & People with a Criminal Record Fashion DesignerDesigning clothes is another fun way to make money. Fashion designers use their creative drive to create unique clothing and accessories. This well-paying job is highly competitive today. To stand out, you should understand different cultures and trends, be updated on what is happening in the industry, and possess killer networking skills. Fashion StylistBeing a fashion stylist is one of the coolest jobs that pay well. You should consider venturing into this career if you love fashion and helping others look beautiful. It is entertaining and creative and lets you travel to different destinations and meet new people. Fashion stylists make a decent living, especially those at the celebrity-stylist level. Freelance WriterAs a freelance writer, you will create blog posts and articles to entertain or educate people. You can also create social media posts for businesses or individuals. This fun job allows you to use your creativity and writing skills to earn a respectable salary. With this job, you can do it part-time or full-time and work from home. Fitness Coach or Personal TrainerIf you are interested in fitness and love working with a flexible schedule, this job would be great for you. Fitness coaches earn money by staying active and helping their clients to accomplish their fitness goals. Ensure you market your business aggressively and dedicate yourself to your work to gain more clients and succeed in this rewarding job. Food TasterYes, you can get paid to taste different types of food. Food tasters work for companies that specialize in food production and sale. Their responsibility is to taste and test the food cooked for important persons to determine if it is safe for consumption or not. To venture into this field, you should first get a degree in food science or a related field. Food StylistThe people in this line of work turn edible things into art pieces. They also prepare and style the food for photo shoots for different magazines, advertisements, or cookbooks. This job allows you to implement your creative abilities and aesthetic sense and earn good money from it. Graphic DesignerThis fun and high-paying job requires creativity and excellent technical skills. The fun part of this career is that you get to focus on different artistic endeavors, which are often rewarding. Some people are naturally artistic and self-taught graphic designers with extensive portfolios. However, having a degree in Fine Arts is an added advantage in this career. Interior DesignerInterior designing is the perfect job for people who love decorating spaces and making them functional. This role involves selecting various decorative items, such as paint, wall finishes, lighting fixtures, and furniture. You get to marvel at the beauty of your work after the projects are complete. An advantage of this job is that you can work as a freelancer or in an interior decorating company. LibrarianAs a librarian, you work in a calm and relaxing environment. You are also responsible for enjoyable and soothing tasks such as cataloging books and helping clients find the books they are looking for. If you are not willing to work in high-traffic institutions like schools and public libraries, you can choose to work in museums and government offices with less-busy libraries. Related: 18 Easy Jobs That Pay Well + Where to Learn the Right Skills Lighting DesignerA lighting designer takes care of stage lighting in movies, plays, concerts, and other entertainment events. They also work with the artistic director and lighting technicians to ensure that the theatre or performance stage has lasers and visuals for lighting. Most people in this career possess skills in related fields like theatre design, art, interior design, and filmmaking. As a lighting designer, you can freelance and take advantage of different project opportunities. Marine BiologistMany people passionate about working with the ocean and its inhabitants become marine biologists. Their work involves dissecting water animals, working with the species in the marine food chain, and monitoring the marine environments. Marine biologists can choose to work locally or internationally. This means that the job allows you to travel, do what you love, and make a living from it. Netflix TaggerDid you know that people also earn money by watching Netflix? This streaming giant often hires people to watch the uploaded television shows and categorize them. If you work in this position, you will also be required to add appropriate tags to the movies to improve their search capabilities. The enjoyable job might not be easy to secure because there are about 30 Netflix taggers globally. However, it pays well. NutritionistIf you want to help others combat health issues and adopt healthy lifestyles through their diet, consider becoming a nutritionist. It is also an ideal option for nurses who want to change careers. These experts combine science and health in their work. For example, they must understand how the human body works and the nutrients required to solve a particular health problem. The job is fun, interesting, fulfilling, and rewarding. On-Air Radio AnnouncerThe role of radio station announcers is to introduce songs or interview guests. They also read commercial messages and engage with callers. You can enjoy this job a lot if you desire to be in the entertainment industry or work on a radio that covers things you like. However, you need a degree in journalism to get started. Related: 33 of the Best Night Shift Jobs for Night Owls OrthodontistThis career requires you to be skilled and have a passion for helping others. These professionals realign jaws and straighten their patients’ smiles, which is satisfying. Orthodontists receive a large salary because their services are valuable and improve people’s quality of life. Park RangerBeing a park ranger is one of the fun careers that pays well in the environmental sector. A park ranger maintains and protects parks, forests, and nature reserves. This job is fun because it gives you an excellent opportunity to explore new places and ensure that these areas are safe for those visiting them. You also get to earn money as you interact with nature. Many parks hire people with a degree in tourism or recreation. Personal ShopperPersonal shopping assistants love shopping and earn their money from those who do not. Good taste in luxury and style is an added advantage because you can become a personal fashion shopper for different clients. If you are lucky, you can start working with celebrities and executives that are too busy to spend their time moving from one store to another looking for fitting outfits. You can also find grocery shopping gigs on various apps, such as Instacart. Although the pay won’t be as good for these entry-level roles, there is a high-demand for workers. PhotographerPhotography is one of the most enjoyable jobs in the art industry. It allows you to use your artistic and creative abilities to earn a lucrative income. Plus, you get to be your own boss! To succeed in this career, you should understand lighting and be able to use professional cameras and photography software. A background in filmmaking is an added advantage for those planning to become professional photographers. Private Island CaretakerThis job allows you to enjoy nature, engage in your own adventure on the island, and still get paid well. It is suitable for adventurous people and good swimmers passionate about water sports. You will be responsible for promoting the island and creating weekly reports. Property CaretakerAs a property caretaker or manager, you keep an eye on private properties and handle basic maintenance. The job is fun because you will have all the space to yourself, or you can bring your family. If you manage a tourism property, you can take photographs or write blogs about the place to bring in more money. Romance NovelistWriting romance novels is a fun and rewarding way to implement your creative abilities and earn a living. As a novelist, you get to decide whether you want to work with a traditional publisher or self-publish e-books and sell them on Amazon. You will receive good compensation since many people love reading romantic stories and fairy tales. Social Media InfluencerBrands hire people with many followers to market their products. This fun and rewarding career path is an excellent option for people who love and enjoy being in front of cameras. To succeed, you should also enjoy being on different social media platforms, such as Instagram, Facebook, and YouTube. You will earn money by making informative and engaging posts that promote a product or service. Social Media ManagerWorking as a social media manager is a perfect job for hashtag masters and social media experts. It involves assisting individuals or organizations in engaging with their online audience and improving their online presence. This fun and flexible job may allow you to work from home. Moreover, the salary that you will secure from this position is worthwhile. Many social media managers work as freelancers and can take on multiple projects. Sports AnalystsSports analysts are some of the best-paid people in the entertainment industry. This job is fun because it provides updates on different games during breaks or before they air. If you are a sports fan, you should consider venturing into this career path. You can work on the radio or a TV station or appear as a commentator for big events like the World Cup. SommelierAs a sommelier, you will help choose wines for your customers’ occasions or meals. This job is fun because it enables you to meet and interact with people from different walks of life. Additionally, you can travel to various destinations worldwide as you select exceptional wine options. Wine stewards also manage wine inventory and train restaurant employees about wine. This job is rewarding, although the salary depends on the level of certification. Tour GuideIf you are excited about visiting destinations, you should consider being a tour guide. This is a fun job that allows you to turn your passion into money. You need excellent speaking skills to succeed in this high-paying job because you will talk a lot during your tours. Knowing the history and cultures of the places you visit and show around is also necessary. Moving to a region with high tourist traffic will increase your earnings. Toy DesignerUse your creative skills to make original toys that children and future generations will love. This job’s payoff is worthwhile since parents constantly buy new toys for their young ones. It is also fun because you will always have new items and projects to work on. You will earn more profits if you dedicate your time to the job. So put your skills to work and create something that will continue to earn you income in the future. TranslatorA translating or interpreting career can be satisfying for people who know a second or third language. The fun factor of this job is the ability to connect with people from different backgrounds. You can work for individuals, TV shows, or schools. Many individuals, institutions, and organizations prefer hiring certified and experienced translators. Related: 45 Jobs Where Foreign Language Skills Are Important Video Game DesignerMany people are addicted to gaming for leisure or professional competitions. Designing video games is an enjoyable and pretty rewarding job, especially for people who adore video games. You will spend your time creating and developing the video games’ layout, graphics, and titles. You will also be responsible for testing the game and ensuring that the final product is up to standard. To succeed in this rewarding career, you need to be artistic and creative and possess excellent technical skills. Voice-Over ArtistUse your soothing or entertaining voice to earn a living. Film, television, and radio stations use voice-over artists for cartoon characters and video game characters. They can also use your voice to narrate information to different audiences. The advantage of these fun jobs is that you get a chance to be part of the action and play different roles without necessarily standing in front of a camera. The flexibility and freedom to freelance make this job even more enjoyable. Web DeveloperBusinesses of all sizes need websites to be competitive in their respective industries. This change has increased the demand for web developers. This job involves designing, building, and optimizing websites to ensure they are functional and user-friendly. You can decide to be a freelance web developer or work full-time for an organization. You can earn a decent income from this fast-growing occupation if you use your skills well and take advantage of different opportunities. WinemakerIf you have a taste for wine and pay attention to detail, you should consider working as a winemaker or assistant winemaker. Your job will be accomplishing various tasks, including tasting wine in all the stages of production and ensuring that it is up to standards. You will get to enjoy wine, do what you love, and earn a lucrative income. Most wineries prefer hiring people with a background in chemistry. YouTube VloggerVlogging involves creating short online videos on different subjects. There is an audience for virtually everything from cars to current affairs or tourism. These films should be entertaining, educative, or inspiring to attract a large online audience and increase traffic. You can choose to work for a video blog site or create independent content and post on your channel. To be a successful YouTube Vlogger, you should be able to engage your viewers, have natural charisma and be passionate about filmmaking. You do not need to have a degree to be a vlogger. In 2020, the highest-paid YouTuber was a nine-year-old boy. In SummaryThe common assumption that fun jobs do not pay well is not always true. Today, different industries allow people to follow their passions and still earn a good salary. You can always find and take advantage of opportunities that offer you job satisfaction, valuable working experience, and rewarding compensation. Hopefully, this list will help you find a job that will make you happy and that you’ll be able to stick with for the long haul. Working a fun job makes life a lot easier! Via https://mylifeiguess.com/fun-jobs-that-pay-well/ Want excellent investment advice? Buy low, sell high. This desirable but overly simplified strategy means you should buy shares at a low price and sell them when they are at a higher price, resulting in a profit on the transaction. The problem with such advice is that you’ll have to know when to call a bottom in down markets so you can make purchases or when the market is peaking to make a profit. Therein lies the rub for most investors, which is challenging to achieve. Why? Because we are busy human beings with emotional biases that react to volatile markets. When the market is in a downturn, people often fear more declines and sell their shares. And when stocks rise, people get FOMO (fear of missing out) and may rush in to invest. For many of us, emotions and stress levels play a role in constructing our investment portfolio, making dollar-cost-averaging a legitimate strategy. What is Dollar-Cost-Averaging?To succeed financially, you must establish long-term investment strategies. Avoid making common mistakes when there is substantial market volatility like trying to time the market, chasing the hottest trends, being overconfident, or setting unrealistic goals. Our emotions get the best of us, especially when making investments. To counter our tendencies to get into trouble, we can adopt a safe and effective strategy for the long term: dollar-cost-averaging. Dollar-cost-averaging (DCA) is a systematic program of investing equal sums of money at regular intervals regardless of the investment’s price. It’s a simple approach requiring you to determine two parameters: the fixed amount for each period and how often. In this approach, you’ll automate investing the same fixed dollar amount in the same stock, ETF, or mutual fund at regular intervals over a long time. As investments tend to increase in price more than they fall, the “cost averaging” means that you purchase more when the price is down and fewer shares when the price is high. Essentially, you are buying most of the shares at below-average costs. You’re Probably Already Using the DCA ApproachThis strategy provides a disciplined approach, taking the guesswork out of investment timing and avoiding the outside events that may cause short-term gyration in the market. DCA is similar to the buy-and-hold investment strategies that look past short-term noise in the market. You’re probably already using dollar-cost-averaging for your 401K plans, individual retirement savings accounts (Roth IRAs or traditional IRAs), and employee stock ownership plans. Suppose you use Acorns, the micro-investing app, Greenlight app, or other fintech companies that use a Round-ups feature or recurring investments. When making purchases using a linked debit card, the spare change from the transaction rounds up to the nearest dollar and goes into your investment account. Users will benefit from using the dollar-cost-average strategy. Besides these plans, a dividend reinvestment plan (DRIP) can carry out dollar cost averaging. Many well-known companies, such as Coca-Cola, allow investors to purchase shares of stock on a dollar-cost basis directly from them through a DRIP program managed by the Direct Stock Purchase Plan Clearinghouse. This allows you to avoid going through a brokerage firm. DRIP strategies help investors reinvest their dividends. Although dollar-cost-averaging is not an exciting way to invest, it tends to enable investors to buy at “below-average” prices. For example, you may want to invest $100 into shares of a specific company each month, whether the market is fluctuating, declining, or rising. At the end of six months, you invested $600 into shares for an average dollar cost of $3.87 per share. Had you invested $600 all at once as a lump sum, your average price would be $5 per share, above the average price of $3.87. We’ll discuss investing in lump sum payments below. MONTH $ AMOUNT SHARE PRICE SHARES PURCHASED
Benefits of Dollar-Cost-AveragesReduces RiskThe DCA approach minimizes risk and is desirable for investors with low-risk tolerance. It automatically buys more shares through downturns and lower prices, decreasing the average share price. Essentially, it provides short-term downside protection by taking advantage of gyrations. Investor DisciplineThis simple strategy enhances investor discipline. Investors are making purchases at regular intervals and fixed amounts instead of poorly timed lump sum investments. Investors aren’t timing the market, a challenge for most sophisticated investors. They can set up automated contributions based on preferred parameters like they do for their retirement accounts. Warren Buffett is a fan of the low-cost-average approach. Whether he is buying shares for his own portfolio or recommending that investors buy low-cost index funds of the S&P 500, he often says investors should not make their purchases all at once. Help You Lower Your Cost BasisDollar-Cost-Averages reduce the average cost of shares purchased over a relatively long term. Investors will buy more shares at a fixed amount when the market goes down. While it doesn’t eliminate losses, this strategy limits them during times of declining prices. Reduce Emotional BiasesDCA counters investor psychology sometimes called behavioral finance. We often buy at the “wrong” time and second-guess our moves in the market. Investors experience loss aversion, a cognitive bias that describes individuals who feel the pain of losses significantly more than the pleasure gains in the stock they own. Similarly, anchoring bias causes us to rely on the first piece of information we know rather than new information. For example, an investor may refuse to sell a stock at a lower price than their purchase. They may cling to the higher price they paid, even though new information reveals an unfavorable direction for the company. Dollar-Cost-Averages provide a mechanism that eliminates emotional biases that may undermine our portfolio strategy. Less Focus on Short-Term Market VolatilityMarket volatility can be stressful. DCA smooths out the volatility by regularly making lower-priced share purchases. Investors can better ignore the daily noise affecting the market. Contributing money to your portfolio during a sharp market downturn is often the best time to purchase stocks. The DCA approach allows investors to remain in the market rather than staying out and missing the bottom. You can’t wait for “the dust to settle” as there are no bright lights that tell you when to wade back into the market. Disadvantages of Dollar-Cost-AveragingA More Conservative ApproachDCA’s lack of glamour may bore some investors who prefer actively trading stocks for shorter timeframes. The Dollar-Cost-Averages strategy tends to be a more conservative way to invest than making lump sum investments. Investors May Forfeit Higher ReturnsLower risks tend to generate lower returns. Therefore DCA investors may forfeit higher returns associated with the riskier lump sum investment strategy. Investors will generate higher returns if the asset price rises by investing a lump sum at once at a lower price rather than over regular intervals. In the DCA strategy, you may buy fewer shares than if you make a more significant investment upfront. There May be Opportunity CostsWhen implementing the DCA approach, you may hold the funds in cash or money markets (cash-equivalents) at meager returns, causing opportunity costs. You can avoid this scenario by contributing to your portfolio from your paycheck as you do for your retirement accounts. Comparing Performances of DCA to Lump Sum InvestingAn alternative to DCA is lump sum investing. This is when you invest a lump sum immediately, unlike DCA, which invests equal amounts at intervals. A Northwestern team analyzed rolling, 10-year returns of $1 million invested immediately in the U.S. markets versus dollar-cost averaging. In the dollar-cost averaging scenario, the money was invested evenly over 12 months and then held for the remaining nine years. They varied the portfolio composition from 100% equities or 100% fixed income, including money markets, and a 60/40 split between equities and fixed income. They found that lump sum investing a $1 million windfall all at once generated better cumulative total returns at the end of 10 years than dollar-cost-averaging almost 75 percent of the time. This was regardless of asset allocation. However, another study pointed out that the length of time for DCA made a difference. Over 36-month intervals, the lump sum beat the dollar cost, averaging more than 90 percent of the time. However, the results were much closer over six-month time frames. DCA works better for six to twelve months, whereas lump sum investing works better with large windfalls such as an inheritance or insurance and more extended periods. Who Should Consider a Dollar-Cost-Averaging Strategy
Although DCA works with individual stocks, buying ETFs or mutual funds is desirable for diversification purposes. Final ThoughtsDollar-cost-averaging is a conservative approach to investing in the market, reducing risk, stress, and emotional biases. It is desirable for investors who are less tolerant of market volatility but want to participate in the market. This post originally appeared on Savoteur. Via https://mylifeiguess.com/what-is-dollar-cost-averaging/ You’ve re-read the job posting and job description a dozen times. You’ve noted the keywords and the top qualifications the employer is looking for in the role. You’ve spent hours revising your resume and crafting the perfect cover letter. You’ve even looked up what to write in your email and the best subject line to use. You are finally ready to email your application and apply for that job. You hit send and breath a quick sigh of relief – only to realize you forgot to attach your resume! Okay, so it probably didn’t happen as dramatically as this, but you did end up emailing in your job application without including your resume. Or maybe you’ve accidentally submitted the wrong attachment. What do you do now?! 1. Don’t PanicFirst of all, don’t panic. Job searching is already stressful – don’t let this small mistake make you feel any worse. As someone who has collected thousands of resumes and job applications (as well as applied for dozens of jobs myself), I assure you that this sort of thing happens all the time! People often accidentally hit that “send” button too soon or select the wrong file. It may be a little embarrassing, but it’s really not a big deal. You just have to get the right documents in front of the right person A.S.A.P. by resending the email or sending a follow-up message as soon as you realize the error. (Again, don’t panic! How to do this is covered below.) As long as the hiring manager has your correct and completed job application before the job posting closing date, you will be fine. Unfortunately, there is a slight chance that some people and some employers will look down on you for forgetting to attach your resume to your application. But if they aren’t willing to forgive an honest mistake or understand that you are human, you don’t want to work for them anyway. Can you imagine how stressful that would be? 2. Act QuicklyIf you forget to attach your resume to your job application, you should act quickly to fix the mistake. The sooner you can get the right documents submitted, the better. This way, you can avoid any delays in the hiring process and increase your chances of being considered for the position. You may even catch the mistake before the hiring manager notices. 3. Update Your Subject LineClearly, you will have to send another email with your resume, cover letter, application form, or any other required documentation attached. You can simply resend your initial email, but you will want to tweak it just a little. If you send the exact same email with the exact same subject line, a recruiter may not realize there’s something different about the two. If it looks like a duplicate, you risk one of your emails being deleted. So what do you do? It’s easy! Adding “with attachments” or “with resume attached” to your subject line will make it much easier for someone to tell that this is the email you want them to see. 4. Don’t Over ApologizeIt can be tempting to react by sending an apologetic email (or making a phone call) to the hiring manager or the HR department. However, you don’t want to make a big deal out of it. But you can’t just ignore it, either. Your best approach is to make a quick apology when you resend your email and move on. Something as straightforward as adding: “Please accept my apologies. This email includes the proper attachments.” will do the trick. If you do decide to call, introduce yourself and explain that you accidentally sent an email without attaching your resume. Then, apologize and ask if there is a way to submit your resume. The employer will likely appreciate that you took the time to call and will be happy to help you out. 5. Resend Your Email With Your Resume AttachedThe most important step is to get your completed application in front of the right person. Even if you’re the world’s most qualified candidate, you won’t get the job if your resume never reaches the hiring manager. So if you ignore everything else suggested in this article, make sure you resend your application – and include the right attachments this time. You can’t control if the employer will reject your application because of the error or if they won’t even give it a second thought. All you can do is get your resume in front of them. Example Emails to UseScenario 1: Catching Your Own ErrorIf you catch the mistake before the hiring manager or recruiter does, here is an example email you can use when resubmitting your application: Hello [name], I sincerely apologize for sending the previous email without ensuring that my resume was attached. This email includes the requested information and my resume for the role of [postition title]. Thank you for your understanding, and I apologize for any inconvenience this may have caused. Thank you, [Your name] Scenario 2: Responding to the ErrorIf the recruiter or hiring manager points out the missing attachments to you, use this example to respond: Hello [name], Thank you for alerting me to this mistake so I may submit all the necessary application materials. I apologize for the oversight. Please let me know if you have any questions concerning my resume, which is attached to this message. Thank you, [Your name] Scenario 3: Attaching the Wrong DocumentLastly, if you attached the wrong document in your email, try this: Hello [name], Please disregard my previous email and accept my apologies for attaching the wrong document. I have enclosed my resume to this email for consideration for the role of [postition title]. Thank you for taking the time to read it. I look forward to hearing from you soon. Thank you, [Your name] Should I Follow Up?If you don’t hear back about your application within a week, you can follow up with a brief email or phone call. Again, keep it short and sweet. You don’t want to come across as pushy. Say something like, “I just wanted to make sure you received my resume. I’m very interested in the job and would love to discuss it further.” Following up can be a great way to show your interest in a job and to make sure your application didn’t get lost in the shuffle. But don’t overdo it. One follow-up should be enough. In ConclusionIt can be really frustrating to make a mistake like forgetting to attach your resume when applying for a job but don’t let it discourage you. It is fixable. We all make mistakes, and this is an opportunity to show the employer that you can handle adversity and take responsibility for your actions. By following these steps, you can quickly recover and get your application back on track. Via https://mylifeiguess.com/i-forgot-to-attach-my-resume/ Are you trying to find a new work-from-home job but worried that you don’t have enough experience in a relevant field? While some fields that offer remote employment can be quite exclusive, there are various work-from-home jobs that anyone can start without any prior experience. No matter what your skillset and background, there is likely a way for you to start telecommuting to a new online job. Below are a few of the most common options for legitimate work-from-home jobs where you can start from zero. 11 Work From Home Jobs You Can Start With No ExperienceLooking to find work with no commute, but not sure where to begin? Whether you’re looking to become a freelancer, independent contractor, or part-time hourly employee, we’ve got you covered with a mix of online and work-from-home positions that you can learn on the go. 1. Customer ServiceCustomer service is a field in constant demand and one that typically doesn’t require much experience to land your first role. Customer service may be an excellent fit if you have a helper’s heart and can communicate, show patience, and learn new products or systems. Customer service used to be an in-person position connected to an office or call center. Yet the dawn of the 2020s has seen a significant shift toward work-from-home customer service. 2. Content CreationContent creation is a virtually limitless pool for legitimate work-from-home employment. There are many avenues to freelance work in the content creation space, such as writing blog posts or creating videos for established brands. Companies are always looking to produce more content to share online, which means plenty of opportunities for those willing to make it! There is also great potential to start one’s own work from home business in content creation, such as through blogging, podcasting, or video content for YouTube. Keep in mind that building your own business as a content creator offers massive potential, but it’s not for the faint of heart. It may take an enormous workload or considerable time before this work becomes profitable. Related: Want to Learn the Secret of How to Make Money Blogging? Join a Mastermind Group! 3. Affiliate MarketingLike content creation, affiliate marketing can also be done from home. It is ideally suited to those with an enthusiastic and entrepreneurial spirit. There is significant overlap between content creation and affiliate marketing; many creators who primarily do one also engage in some degree of the other. Affiliate marketers typically build an online following (through social media posting and content creation) before monetizing their influence by suggesting brands and products to their audience. This field is an excellent option for those with a gift for salesmanship and the energy to start an online business, but not necessarily the interest of building a content platform as their primary focus. 4. Product ReviewsDo you frequently buy and use products? Do you have lots of opinions on them? Those opinions, and a willingness to share them with the world, are typically all you need to get started toward becoming a paid product reviewer online. Paid product reviewers earn a mix of free products and monetary compensation to try things out and give their unbiased feedback to others online. Product reviewing does not usually earn people enough for a full-time income but is a great way to start making a little part-time side income with little to no experience. 5. App/Website TestingWorking as a freelance tester of apps and websites is somewhat similar to writing online product reviews. While some work in this field will require a degree or background in the software development field, much of it is possible and accessible for someone with no experience. Companies developing websites and mobile apps want to know how well they work, how different people try to use them, and what issues they might have running on various devices. If you have a phone or a laptop, you already have everything you need to start. There are several platforms available for work-at-home freelance testing. Often this work involves receiving instructions for an action to do within the website you are testing, trying to do that action, and recording your experience of trying to complete it. 6. HandcraftsThe era of Etsy is far from over. In an age of increasingly widespread low-quality and cheaply manufactured goods coming from major global retailers, there is more consumer interest than ever in bespoke goods from skilled artisans. Almost everyone has at least one skill they can leverage to create products to sell online. Even if you don’t yet, there are plenty of great ways to learn a new craft. Consumers are tired of cheap stuff designed to fall apart after a few months. There is massive consumer demand for unique items built with love and care. With a bit of enterprise and creative energy, you can earn a cozy work-from-home paycheck by helping to meet that demand. 7. DropshippingIf you are interested in selling products online but don’t have as much faith or interest in manufacturing them yourself, then dropshipping may be the perfect work-at-home job for you. Dropshipping empowers entrepreneurial individuals to start businesses online. These individuals can earn extra income selling products with the support of a larger framework to help them scale. For instance, one common way to get started in dropshipping is designing t-shirts, stickers, or other forms of branded merchandise. There are several dropshipping platforms online that could enable you to build and scale that business. They generally offer services like website creation, hosting an online shop, and, crucially, manufacturing and distributing your merchandise to customers. 8. TranscriptionTranscription is one of the older work-at-home jobs available and typically takes minimal experience to start. A transcriptionist takes people’s speech from audio or video content and puts the words down into text. This work has existed in the medical field for quite some time, with doctors recording patient notes and transcriptionists typing them up into patient records. Today, there are many fields with high demand for people who can transcribe seminars, podcasts, and various forms of video content. 9. Data EntryData entry is a classic entry-level position in many businesses that requires limited experience and opens doors to further opportunities. Nowadays, many people who work in data entry can fulfill their roles almost exclusively from home. Not many aspire to a whole career of taking raw data and transcribing it into spreadsheets. Although, for a way to make money from home with no experience, data entry jobs can be a great way to get started. A simple position like this can help newcomers form industry connections that could lead to future work-from-home opportunities. Related: Are You Detail-Oriented? These 50 Jobs Could Be Perfect for You! 10. Survey TakingNot every work-from-home job on this list will likely replace a full-time job. Few people quit their day job to become full-time online survey takers, but many use this work as a low-effort, low-stress side hustle to bring in some extra money on the side. As a survey taker, you can get paid for simply answering a few questions about yourself, your life, and your experience. There are many apps and services available for survey taking. If you are considering this route, it’s probably worth signing up for a bunch of them. One drawback of survey taking is the limit placed on the number of surveys you can do. Generally, you will only receive new paid surveys one at a time. This is why casting a wide net of survey service memberships can help maximize your earning potential. 11. TranslationIf you know a second language, even with middling proficiency, working as an online translator can be a great way to start making money from home without experience. As a bonus, you’ll likely improve your understanding and expertise in both languages. A bounty of online marketplaces offer paid remote work for anyone with the skills and willingness to translate. In this field, you may have the opportunity to translate blog posts, news articles, educational content, or even subtitles for TV shows and movies. Building Your Work From Home ExperienceWorking remotely isn’t for everyone, and some fields that offer this benefit are highly competitive and exclusive. However, if you are passionate about finding a work-from-home role and have no relevant experience, there are still plenty of legit ways to get started today. Whatever your skills, background, and preferences, there is likely a form of remote work that you can do, even with no experience. Some of these will earn money alongside your primary job, others can be a full-time job, and others still can take everything you’re willing to give them. With an open mind and the right attitude, you have everything you need to make working from home work for you. The article originally appeared on My Work From Home Money. Via https://mylifeiguess.com/work-from-home-jobs-with-no-experience/ Remember when everyone thought 2022 would be the best year yet? Hardly anyone thought the economy might fall apart. However, here we are and inflation has sent prices soaring for everything, including gas. According to AAA, the national average price for gas in August 2022 was around $4.16. Although price spikes have settled somewhat, we aren’t out of the woods yet. Many are still watching prices at the pump nervously, unsure what might happen next. To get through this unstable period, utilize some of the best tips and tricks to save on gas so you have money for your bills and groceries. Here’s What You Can Do to Save Money on Gas1. Use Gas Rewards Credit CardWhen you get a gas rewards credit card, you can earn points and cashback when you make gas purchases. You have the Chase Freedom card, which can earn 5% cashback. The American Express Blue Cash Preferred card offers unlimited 3% cashback. Credit cards like Capital One QuickSilver, Wells Fargo Active Cash Card, and others have special programs. Check the fine print and do the math on each one. 2. Use Apps to Find Cheap GasFree apps like GasBuddy, Upside, Drivvo, or similar fuel-centric apps can help you find cheap gas. While saving money on gas is difficult, you can start saving using gas apps. People need gas because it’s part of their expenses, so it’s best to try these apps and see how much you can save in a month. Aimlessly driving around town hoping to stumble upon the cheapest gas price is not the way to do it. (You’ll only waste more gas!) It’s better to use apps. Cheap gas can save you a lot over the year. 3. Check Your Tire PressureDid you know you can boost gas mileage by checking your tire pressure? According to the US Department of Energy, you can increase gas mileage by 3%. If you keep your tire pressure in check, you can save a few cents weekly. However, most car owners only check their tire pressure when their indicator light turns on. If you check your tire pressure every two to four weeks, you don’t have to worry about any problems like safety and tire deflation. 4. CarpoolWhether you are a college student or working at an office, the best way to save money on gas is to carpool with someone. You can drive for one week, and your friend or colleague can drive the week after. Or you can split the money, helping you save money for other essentials. When you carpool with someone else, the best part is you save the environment. 5. Consider other TransportationsYou can certainly get around town by walking, biking, using the subways, or buses. These options might be cheaper than driving your car. If it’s somewhere close by, you can get your steps in by biking or walking. However, if your destination is a bit far out and there is heavy traffic, you can use public transportation. No one likes to sit in traffic and let their engine run for an hour or more. 6. Pump Gas on the Cheapest DayOnly pump gas on cheap days. A study on the traveling and navigation app Gas Buddy has shown that Monday is the best day to get cheap gas. Remember to go in on Monday when you are running low on gas since gas prices will be lower. Avoid the most expensive days: Thursday followed by Wednesday. 7. Plan your RoutesIf you run errands all day, plan your route so you don’t go around in circles. If the grocery store is near your workplace, you can go there after work if you need anything from the store. You can do all your errands in one day instead of on different days. If you do all errands in one day, you can cut a few miles weekly, saving you from filling up twice a week or more. 8. Know When to Use Cruise ControlWhen you maintain a steady speed, this helps you conserve fuel, especially on the highways. Cruise control can save you an average of 7-14% on gas. When you accelerate or decelerate by putting your foot on the pedal, this can use up more gas. However, you maintain the same speed when you use cruise control, so you aren’t wasting gas. Note: only use cruise control on flat roads (like highways), not on mountainous terrain – it uses up more gas on steep inclines. 9. Don’t IdleDon’t leave your car running for a long time. If you leave it running, you can drain a quarter galloon to half-galloon of gas per hour. If you are in a long line or waiting for someone, you should cut the engine or find an alternative way to wait. Depending on your vehicle engine size and air conditioner, it can cost you a lot of money on gas. Bottom LineGas prices have gone down a bit, but you never know when they will increase again in the future. By implementing some of these gas-saving strategies above, you’ll be able to save extra bucks every month. Remember, it’s not just about finding the cheapest gas price in town; your driving habits and how well you take care of your car matter too. This article originally appeared on Wealth of Geeks. Via https://mylifeiguess.com/best-gas-price-hacks/ |
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