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5 TIPS FOR BUDGETING TOGETHER AS A COUPLE One of the financial tasks of couples to achieve financial stability is budgeting. Learn these 5 tips for budgeting together as a couple.

COUPLE ARCHIVES

Some folks seem to think that finances get more complicated when individuals become a couple. Well actually, that may not always be the case. In fact, it can actually be the other way around. 3 STEPS TO CLEAN UP YOUR CREDIT REPORT The first step to cleaning up your credit report is to have the report in front of you. Sites like CreditKarma and FreeCreditReport make it easy to see your report and understand how you can impact it. NOTE: You’re going to want to pull the whole credit report, from all three bureaus – not just the scores. 2. Thoroughly Check Your Credit IF YOU HAVE MORE THAN $10,000 IN THE BANK, I THINK YOU'RE If you have more than $10,000 in the bank, I think you’re silly. After a few years of living well below our means, Girl Ninja and I have managed to save up about $80,000. On average, we spend about $3,500/month. According to my calculator watch, this means we could survive for about two years – at current spending rates – on just

our savings.

4 WAYS TO HELP YOU BOOST YOUR RETIREMENT SAVINGS Whether you're young or nearing retirement, planning for retirement is a must. Learn these 4 ways to help you boost your retirement savings. FEDERAL EMPLOYEES MAKE ME WANT TO PUKE Federal Employees make me want to puke. Before I get in to the content of today’s post, Let me be clear: I don’t represent or speak on behalf of the US Govt in any capacity. I get it. You hate the government and you hate me because I work for the government. My inspiriation for todays rant came from this article over at Fabulously

Broke.

2021 REVIEWS & FAQS FOR HARRISON FUNDING DEBT CONSOLIDATION Harrison Funding is a debt consolidation company that assists customers in restructuring their debts. Financial experts work with clients to find a feasible solution to reducing credit card debt. If approved, the agency provides loan options that lump qualified credit card accounts into one. Consumers get the advantage of making one

monthly

PAY STUB ACCESS: 3 KEY REASONS WHY YOU SHOULD KEEP YOUR To that end, pay stubs can help. They serve as proof of how much we make, and knowing what our income is will help us determine how much we owe in taxes and what our return will be. 3. Proof of Income. Proof of income is important for more than just taxes. You’ll need pay stub access when applying for any type of loan, and don’t think you SOONER PARTNERS REVIEWS: DEBT CONSOLIDATION SOLUTIONS The more reviews on Sooner Partners you read, the easier it is for you to understand that they have your best interests in mind. Sooner Partners and debt consolidation go together hand in hand, with the company helping individuals secure a loan that saves them money, eliminates the hassle of managing multiple debts, and provides peace

of mind.

GULF STREET ADVISORS: POSITIVE REVIEWS ON DEBT CONSOLIDATION For more than 10 years, Gulf Street Advisors has been helping consumers consolidate their unsecured credit card debt. Gulf Street Advisors debt consolidation services are among the best you’ll find, as they take great pride in working one on one with their customers. Furthermore, Gulf Street Advisors will help you secure the lowest

possible

5 TIPS FOR BUDGETING TOGETHER AS A COUPLE One of the financial tasks of couples to achieve financial stability is budgeting. Learn these 5 tips for budgeting together as a couple.

COUPLE ARCHIVES

our savings.

Broke.

monthly

of mind.

possible

PUNCH DEBT IN THE FACE A fun personal finance blog. Everyone wants to increase their income. This is true for those starting out, those with a decade’s experience, or those thinking about retiring. TOP 4 MONEY HACKS FOR ONE INCOME FAMILIES Having a single income source, families would have difficult time making it through. Learn these 4 money hacks for one income families

TODAY.

4 WAYS TO HELP YOU BOOST YOUR RETIREMENT SAVINGS Whether you're young or nearing retirement, planning for retirement is a must. Learn these 4 ways to help you boost your retirement savings. 7 TYPES OF INCOME AND HOW THEY CAN CHANGE YOUR FUTURE Everyone wants to increase their income. Here are types of income and learn how you can start earning from them today! THE FIRST $100,000 IS THE HARDEST. The first $100,000 is the hardest. I mean check out my net worth progression over the last seven years. NW end of 2008: $18,617. NW end of 2009: $28,793. NW end of 2010: $63,714. NW end of 2011: $114,622 (first full year of dual income) NW end of 2012: $168,878. NW end of

2013: $234,881.

monthly

TAXES ARE FUNNY!

Taxes are funny! April 11, 2010. April 11, 2010 by Punch Debt in the Face Staff. Today’s post is a guest article from Matt Robinson. He is a tax accountant who has been helping taxpayers with major IRS tax debt problems for over 11 years now. His firm specializes in tax debt settlement and resolution. THIS IS WHY I HATE CAR PAYMENTS This is why I hate car payments. April 8, 2012 by Punch Debt in the Face. As you all know, Girl Ninja and I spent the last week gallivanting around San Diego; eating at our favorite restaurants, hiking/running at our favorite spots, and catching up with some of our closest friends. It was an amazing week and a great opportunity for us

to charge

REAL ESTATE COMMISSIONS ARE AN ABSOLUTE JOKE Real Estate Commissions Are An Absolute Joke. January 9, 2014 by Punch Debt in the Face Staff. Girl Ninja and I were personal friends with our real estate agent. He has led Young Life with us for the last couple years and he’s a great dude. In fact, we had him over for dinner just the other night so we could show him all the changes

we’ve

IF YOU HAVE MORE THAN $10,000 IN THE BANK, I THINK YOU'RE If you have more than $10,000 in the bank, I think you’re silly. After a few years of living well below our means, Girl Ninja and I have managed to save up about $80,000. On average, we spend about $3,500/month. According to my calculator watch, this means we could survive for about two years – at current spending rates – on just

our savings.

DID THEY FORGET TO CHARGE ME? Did they forget to charge me? December 9, 2013 by Punch Debt in the Face Staff. So Girl Ninja came out and visited me in Europe over the last week. We rented a car for personal use and spent the last 10 days playing tourist whenever I didn’t have to work. We spent time in THE $100,000 ADDITION. The $100,000 addition. February 19, 2014. February 18, 2014 by Punch Debt in the Face Staff. Our house sits on a 15,000 square foot lot in such a way that adding on to the structure shouldn’t be too big of a deal. Here’s a quick picture from our backyard for reference. You see how much space there is on the left side of our house, that BREAKIN' DOWN THE GOVERNMENT PAY SYSTEM The best way to explain how this whole system works is to give ya an example. I’ll break down the pay system for my current position. I started with Uncle Sam 1.5 years ago and was hired as a GS-7 step 1. Referencing the chart above you can tell my base salary was $33,477 (my actual starting salary was around $40,000 after Cost Of Living HOW TO PAY DOWN CREDIT CARD DEBT IN 2021 Consolidate Your Debt. One of the biggest problems with credit card debt is that the interest rates are very high. The average credit card interest rate is between 14% – 18%. If you have a low credit score, it could be even higher. This interest is added to your balance every

month, making it

PAY STUB ACCESS: 3 KEY REASONS WHY YOU SHOULD KEEP YOUR To that end, pay stubs can help. They serve as proof of how much we make, and knowing what our income is will help us determine how much we owe in taxes and what our return will be. 3. Proof of Income. Proof of income is important for more than just taxes. You’ll need pay stub access when applying for any type of loan, and don’t think you 2021 REVIEWS & FAQS FOR HARRISON FUNDING DEBT CONSOLIDATION Harrison Funding is a debt consolidation company that assists customers in restructuring their debts. Financial experts work with clients to find a feasible solution to reducing credit card debt. If approved, the agency provides loan options that lump qualified credit card accounts into one. Consumers get the advantage of making one

monthly

SIX BASIC TIPS ON WRITING A FINANCIAL ANALYSIS PAPER Tip #2: Look over a Balance Sheet. A balance sheet is the document that demonstrates the balance between such elements as assets, liabilities and owner’s equity. This balance is paramount for the objective survey of the specific firm. You should know about its

assets and debts.

SOONER PARTNERS REVIEWS: DEBT CONSOLIDATION SOLUTIONS The more reviews on Sooner Partners you read, the easier it is for you to understand that they have your best interests in mind. Sooner Partners and debt consolidation go together hand in hand, with the company helping individuals secure a loan that saves them money, eliminates the hassle of managing multiple debts, and provides peace

of mind.

TAXES ARE FUNNY!

Taxes are funny! April 11, 2010. April 11, 2010 by Punch Debt in the Face Staff. Today’s post is a guest article from Matt Robinson. He is a tax accountant who has been helping taxpayers with major IRS tax debt problems for over 11 years now. His firm specializes in tax debt settlement and resolution. IF YOU HAVE MORE THAN $10,000 IN THE BANK, I THINK YOU'RE If you have more than $10,000 in the bank, I think you’re silly. After a few years of living well below our means, Girl Ninja and I have managed to save up about $80,000. On average, we spend about $3,500/month. According to my calculator watch, this means we could survive for about two years – at current spending rates – on just

our savings.

DID THEY FORGET TO CHARGE ME? Did they forget to charge me? December 9, 2013 by Punch Debt in the Face Staff. So Girl Ninja came out and visited me in Europe over the last week. We rented a car for personal use and spent the last 10 days playing tourist whenever I didn’t have to work. We spent time in THE $100,000 ADDITION. The $100,000 addition. February 19, 2014. February 18, 2014 by Punch Debt in the Face Staff. Our house sits on a 15,000 square foot lot in such a way that adding on to the structure shouldn’t be too big of a deal. Here’s a quick picture from our backyard for reference. You see how much space there is on the left side of our house, that HOW TO PAY DOWN CREDIT CARD DEBT IN 2021 The average American has $5,700 in credit card debt, so if you’re struggling with high card balances, you’re not alone.Knowing how to get out from under this debt load can be challenging, though — especially with high interest rates adding to your balance every

month.

BREAKIN' DOWN THE GOVERNMENT PAY SYSTEM The best way to explain how this whole system works is to give ya an example. I’ll break down the pay system for my current position. I started with Uncle Sam 1.5 years ago and was hired as a GS-7 step 1. Referencing the chart above you can tell my base salary was $33,477 (my actual starting salary was around $40,000 after Cost Of Living PAY STUB ACCESS: 3 KEY REASONS WHY YOU SHOULD KEEP YOUR To that end, pay stubs can help. They serve as proof of how much we make, and knowing what our income is will help us determine how much we owe in taxes and what our return will be. 3. Proof of Income. Proof of income is important for more than just taxes. You’ll need pay stub access when applying for any type of loan, and don’t think you 2021 REVIEWS & FAQS FOR HARRISON FUNDING DEBT CONSOLIDATION Harrison Funding is a debt consolidation company that assists customers in restructuring their debts. Financial experts work with clients to find a feasible solution to reducing credit card debt. If approved, the agency provides loan options that lump qualified credit card accounts into one. Consumers get the advantage of making one

monthly

assets and debts.

of mind.

TAXES ARE FUNNY!

TODAY.

7 TYPES OF INCOME AND HOW THEY CAN CHANGE YOUR FUTURE Everyone wants to increase their income. Here are types of income and learn how you can start earning from them today! 3 STEPS TO CLEAN UP YOUR CREDIT REPORT The first step to cleaning up your credit report is to have the report in front of you. Sites like CreditKarma and FreeCreditReport make it easy to see your report and understand how you can impact it. NOTE: You’re going to want to pull the whole credit report, from all three bureaus – not just the scores. 2. Thoroughly Check Your Credit 4 WAYS TO HELP YOU BOOST YOUR RETIREMENT SAVINGS Here are 4 ways to help you boost your retirement savings so you can retire in comfort. 1. Set a final goal and milestones along the way. It doesn’t matter what you’re working toward, you’ll get the best results if you know exactly what your goal is. Just saying you HOW TO PAY DOWN CREDIT CARD DEBT IN 2021 The average American has $5,700 in credit card debt, so if you’re struggling with high card balances, you’re not alone.Knowing how to get out from under this debt load can be challenging, though — especially with high interest rates adding to your balance every

month.

9 BUSINESS IDEAS FOR ENTREPRENEURS 9 Business Ideas for Entrepreneurs. November 23, 2020 by Punch Debt in the Face Staff. The surge in startup companies has been one of the most important trends of the past decade. Entrepreneurs with solid plans and a determination to succeed have managed to launch successful businesses in all sorts of fields. SAVE MONEY WITH THESE 10 SUBSCRIPTION SERVICES Save Money with These 10 Subscription Services. November 25, 2020 by Punch Debt in the Face Staff. Save money on makeup with a subscription like Ipsy. Subscription boxes are popular today, and it is easy to see why. Everyone loves getting mail, especially packages. Like Julie Andrews sang, “Brown paper packages tied up with string,” have 6 THINGS TO DO BEFORE YOU BUY A CAR The process of buying a new car can be quite hectic and intimidating. The process may seem daunting, especially if you have to deal with a car sales agent. The car’s value will depreciate with time, and it’s imperative to look for the best deal. STUCK IN A MINIMUM WAGE JOB? HERE’S HOW TO SAVE MONEY AND 5 – Start a side hustle. You can always go out and get a second minimum wage job and use that income to save, but you’re far better off using your spare time to work on a side hustle that brings in extra money. It could be selling things on eBay that you find at thrift stores or flea markets. Or, you could do some data entry work

online.

possible

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SAVE MONEY WITH THESE 10 SUBSCRIPTION SERVICES November 25, 2020 by Wendy Save money on makeup with a subscription like Ipsy. Subscription boxes are popular today, and it is easy to see why. Everyone loves getting mail, especially packages. Like Julie Andrews sang, “Brown paper packages tied up with string,” have sweet suspense, like a gift on Christmas morning, and they are one of our favorite things. Subscriptions are great for several reasons. First, they can actually

_SAVE YOU MONEY_

_._

By paying a flat rate each month, you can save money on products you already buy or would like to try. Secondly, they are like giving yourself a treat. Thirdly, they are a delightful gift idea, and truly a gift that keeps on giving. Here are ten FUN AND USEFUL SUBSCRIPTION IDEAS you might not have

known about:

#1 CLOTHING

The options here are endless. There are boxes for men, women, children, and babies. Is it more T-shirts you need? Socks you are always losing? Maybe a fresh monthly pair of undies, or some new activewear? How about some trendy pajamas? There is a subscription box for you! There are also companies that send you complete outfits based on your style choices. #2: PRODUCE AND MEAT Do you want to eat healthier, but find it expensive? A subscription to _Imperfect Produce_ or _Misfits Market_ could be the key. They will send you a package of fresh fruit and veggies that are discounted because they could not be accepted by a grocery store because of a misshape. This not only saves you money, but it also causes less food

waste.

_Carnivore Club_ and _ButcherBox_ are two meat boxes you can subscribe to that send you specialty cuts of the meats of your choice.

#3: COFFEE AND TEA

With a good coffee subscription, you can get your morning started right. Some companies offer coffee from around the world. _Trade Coffee Co._ has the best french press coffee

, and

they totally customize your coffee experience by allowing you to choose what types you enjoy, the grind setting, and how often you

receive it.

For those who would rather a cup of tea, _Sips By_ is a good choice. They have so much variety that it is a tea discovery box. They let you set preferences for flavors and types with their quiz, which you can retake as often as you want.

#4: MAKEUP

_Ipsy_ is an inexpensive subscription that sends you five beauty supplies each month. This way, you get to try new products, other companies, and different shades and colors without breaking the bank to be your most beautiful you.

#5: PERIOD SUPPLIES

_Monthly and Co._, _Period Packs_, and _Tampon Tribe_ all offer period supplies like tampons, pads, feminine wipes, and other self-care necessities for those days. With a monthly subscription, you will never be caught without period supplies when you need them. #6: CLEANING SUPPLIES _Clean & Green_ supply you with laundry care that is fresh and natural. _The Honest Company_ can send you personal products like shampoo and hand soap, but they also have a cleaning line of cleaners for every area of your home.

#7: CONTACT LENSES

_Hubble Contacts_ and _SightBox_ have subscriptions for contact lenses, so you never run out.

#8: BOOKS

A book box subscription is a great gift idea for kids, and there are many choices available. Or, if you are a reader yourself, try an adult book subscription. The _Hygge Book Club_ sends books AND other fun trinkets, like fuzzy socks, notebooks, and tea.

#9: CHEESE AND WINE

The _Gold Medal Wine Club_ is a fancy wine subscription that offers only gold-medal awarded wines. While you are at it, pair your wine subscription with a good cheese from _Curdbox_ so you can enjoy the

full experience.

#10: CRAFTING

_Adults and Craft Crate_ will focus on a different type of craft and send you a starter kit with the tools and instructions each month. Whatever you enjoy, whether it be snacks, healthy eating, fitness, jewelry, or your pets, there is a subscription box that you would enjoy. Have fun treating yourself. Categories Uncategorized

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HOW ONE MAN CONQUERED A $50K DEBT IN 5 YEARS November 24, 2020 by Daniel For most of my adult life, money was a topic I never discussed. When I would go out and socialize with friends, I was the person who would pull out their credit card and cover the bill. When I would travel to a location and see something that caught my eye, I’d whip out that plastic card faster than you could say ‘booyah!’ But as the years mounted and I became wiser, the bills started rolling in. There were even months where I couldn’t pay the minimum on my cards and this, ultimately, crushed my credit score. Then, one day, I hesitantly sat down with a financial advisor to see the damage I had caused myself after decades of undisciplined spending; I was over $50,000 in debt! To say that I was embarrassed by my behavior would be an understatement. Although this may sound like a recipe for disaster, I can safely say that I am currently debt-free and living life on my terms. If you’re interested in how I did it, you’ll want to keep reading.

INITIAL MOMENTUM

Although debt is one of the most black-and-white topics you could ever discuss, paying it off is a game of managing your emotions and internal monologue. Often, when we get our paycheck deposited into our bank account, our initial inclination is to hit the mall, buy some clothes or look at holiday deals for new cars. The area I struggled with the most when lowering debt was allocating resources to an account that I would use to target my issues. If you want to pay your debt off as I did, start by visiting your bank or credit union’s website and opening a secondary account. It helps if you can find banks with no overdraft fees

.

From here, I set up my pay so that a portion of every check I received was placed into that account. Then, I used auto-pay services so that each bill was paid, in full, at the same time each month. When money was out of my sight, and it wasn’t easily accessible, my mind adjusted to living below my means. Over the years, this paid off big

time!

THE AVALANCHE METHOD For me, the avalanche method was a lifesaver. Without going into the technical details behind the method, financial experts found the most effective means of paying off debt was by targeting areas with the highest interest rates first. Once you target the high-interest debt, you set up your accounts on the other debt to make the minimum monthly payments. With the remainder, you tackle the area with the highest rate. Although the total debt amount of that area may not be the highest, it saves tons of cash that can be applied to other debt areas.

MOTIVATION

Humans are creatures of habit and need incentives to keep moving forward through difficult times. Knowing this, I began rewarding myself when I would make a payment on my debt. I spent my weekends and spare time researching podcasts and videos about families that had finally pulled themselves from debt. In combination with that, I hung up motivational posters and quotes around my home that dealt with wealth creation. And on special occasions, I would treat myself to a cheap reward such as a movie or a discount t-shirt from a store. These purchases were made with cash and never tapped into my financial plans. Although you and I are different in many ways, we both need to stoke the motivational fires from time to time. Realize that a debt-free life is possible by getting creative with your motivation! FINAL WORDS OF ADVICE Once you successfully pay off your debt, breathe a sigh of relief and pat yourself on the back. Many people never put in consistent effort to work towards a better life, not only for themselves but for their family and loved ones. It’s crucial that you remember the behavior that got you into this predicament in the first place. While you may have new lines of credit open up to you, avoiding the vicious cycle of debt is the key to financial success and wealth creation. Do what I did: start small, plan for the future, and maintain consistency. If you use the tools and tactics I implemented to get out of debt

in

5 years, you can’t go wrong! Categories Uncategorized

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9 BUSINESS IDEAS FOR ENTREPRENEURS November 23, 2020 by Wendy The surge in startup companies has been one of the most important trends of the past decade. Entrepreneurs with solid plans and a determination to succeed have managed to launch successful businesses in all sorts of fields. Society is changing fast, and people have new needs, challenges, and desires that didn’t exist a few years ago. If you’re an entrepreneur eager to strike out on your own and start a new company, the current climate is certainly favorable. Here are nine business

ideas to consider.

#1: GRAPHIC DESIGN

As more of our interactions (both business-related and social) go virtual, people are going to need graphic designers to help them create professional-looking and easy-to-use content. Learning a little about this trade will put you in a position to start your own business and take advantage of a booming industry.

#2: WEB DESIGN

From small business owners to individual contractors, everybody needs a website in today’s day and age. Many people know they need an online presence, but they have no idea how to create their own content. That’s why they count on web designers. Once you learn the basics of web design, you can market your services to the countless people who need a website but lack the technical know-how to create

one.

#3: MANUFACTURING

Americans love stuff, and that’s not going to change any time soon. In order to manufacture and sell the products beloved around the country, consider setting up an operation in Mexico. Moving south of the border allows you to cut costs while working with a neighbor keeps operations close enough to home to avoid logistical headaches. The Mexican workforce is skilled in a number of areas, and shipments almost always arrive on time. And now with companies like NAPS International, you can have someone with experience to help with logistics, payroll and benefits management, and scaling–all under the umbrella of Mexico shelter companies

.

#4: TUTORING

Knowledge is key in the modern economy, so millions of Americans are eager to further their education and add to their resumes. You can take advantage of this trend by creating a tutoring business. From immigrants looking to perfect their English to laid-off workers hoping to build new skill sets, there are countless people out there eager to learn. Offer to tutor people in subjects you’re strong in, and you’ll likely find the clients piling up faster than you can deal

with them.

#5: PHOTOGRAPHY

In the social media era, photography has become even more important than it was before. People want to document all of life’s major events, from weddings and baby showers to a child’s first day at school. If you’re at all handy with a camera, consider sharpening your skills and starting your own photography business. You’re bound to find clients quickly since photographers are in such high demand.

#6: TRANSLATIONS

Every day the world seems to become smaller. Globalization is a constant force, and it requires us to engage across cultures and language barriers on a regular basis. If you’re bilingual, then you can take advantage of your unique set of skills to serve as a translator. Any global business needs people like you to carry out its

daily operations.

#7: DIGITAL MARKETING More marketing takes place online than ever before, and making the most of digital platforms is key to advertising success. Lots of business owners know this, but lack the tech literacy to forge their own digital marketing plan. If you learn the ins and outs of the best practices, you can charge clients to do their marketing for them. #8: AN ORGANIC RESTAURANT Every year, more Americans opt to eat a healthier diet and leave artificial additives behind. You can take advantage of this new level of health consciousness by opening a restaurant that specializes in organic food . People will enjoy meals that are delicious, healthy, and safe, while you can feel good about doing your part to make the world a better, healthier

place.

#9: FITNESS INSTRUCTION Millions of Americans enjoy working out but lack the knowledge and motivation to exercise by themselves. They count on fitness trainers to put them through their paces and keep their exercise plans on track. If you’re an outgoing person who enjoys pushing others to be the best versions of themselves, then this could be the perfect career

for you.

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HOW TO WRITE BETTER ONLINE REVIEWS November 22, 2020 by Evan As a budget-savvy consumer, it has never been a better time to share your thoughts and opinions about a product you ordered online. Whether you realize it or not, the people that want to purchase the same item will often read reviews–negative

and

positive–before they decide whether the product is worth their time,

effort, and money.

If you’re someone that wants to give clear and concise online reviews that will help other shoppers make their final decisions, here’s what you can do to improve your outreach. CONSTRUCTIVE CRITICISM IS A FINE ART For many shoppers, the idea of giving constructive criticism is an excuse to scold and attack a vendor or product sold by a specific entity. Don’t be “that person

”

that goes online and argues with individuals. Instead, use these points as a way to finetune and craft your insights: * Instead of critiquing a product in its entirety, be specific. What was the defining detail that made you dislike the product? * Keep the critique personal, and don’t encourage other people to chime in on your review or add criticism unnecessarily. * While your first inclination may be to focus purely on the negative aspects of a product, make sure to incorporate what you enjoyed about

the item as well.

* Avoid overly-dramatic and negative tones when writing your review. By doing this, you help both the shopper and the vendor make better decisions in the future. * Ask yourself this question before submitting a review: If someone were to speak to me this way, would I become upset or enraged? * You must realize an Amazon seller might have the opportunity to delete your Amazon review

if you

violate the website’s terms of service or use abusive language. Knowing this, don’t turn a review into a platform to launch an all-out attack on someone. These tactics, when taken into consideration, will help you not only express your dissatisfaction but help the vendor create high-quality products in the future. TELL THE VENDOR HOW THEY COULD IMPROVE THE PRODUCT An often underutilized approach when leaving an online review is how the vendor could improve their product or service. Have you ordered a product from the internet, and while you had high hopes, you found yourself disappointed? If you take a closer look at that experience, you may have noticed how the vendor could have improved the product or service to meet your standards. Although it may be challenging to do, put yourself inside the shoes of a person selling products online: If you sold items to a crowd of people that were unsatisfied with their experience, wouldn’t you want them to discuss how to improve your product? Corporations, both medium and small, spend exorbitant amounts of money annually to make high-quality products and services. While a small business owner or online vendor may not have the budget to perform these tests, customer reviews give insight into how they can improve their outreach. Whether you’re aware of it or not, your words and criticisms help sellers grow and expand. DON’T FORGET THE HUMAN ELEMENT When you have friendly and pleasant customer experiences, find a way to weave that interaction into your online review. With the growing presence of technology and automated software systems, dealing with another living, breathing human becomes rare. And when that human genuinely wants to help you with your shopping experience, it’s something to behold. Don’t be afraid or shy away from telling people the type of interaction you had; good or bad. Many up-and-coming vendors and sellers maintain their status within the market purely on their pleasant customer service. While it’s OK to talk about these individuals, refrain from leaking personal information or details that could identify that person. In today’s online world, maintaining a sense of privacy and anonymity while writing a review is critical. LET YOUR VOICE BE HEARD As our society pivots toward online shopping platforms, make sure you share the moments that caught your attention. These small events, whether we realize it or not, make the marketplace better for both sellers and customers in the future. Who knows, your online review may be the defining moment that finalizes a customer’s purchasing

decision!

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9 FINANCIAL TIPS FOR NEWLYWEDS November 20, 2020 by Wendy Getting married is a significant life change. You’ll want to think about your plans for the future together. Well-honed financial goals are the foundation of any good marriage. These tips are easy to follow and will set you on the path to a tremendous joint financial future. #1: TALK ABOUT BUDGET AS A TEAM EFFORT One of the first things you should do is talk about your budget. Set up a list of your expenses, including everything from housing costs to how much you’re spending on lunch. Allow each partner some leeway, but try to stick to the overall budget. #2: TALK ABOUT YOUR FINANCIAL HISTORY Most people have a financial history before they get married today. Now is the time to reveal that history to the person you’re going to marry. Each party to the marriage should know about the other’s credit score and any previous debts and assets they bring the marriage before heading down the aisle. #3: TALK ABOUT YOUR EDUCATIONAL PLANS If you haven’t completed your educational plans, tell your partner. You might have a bachelor’s degree in literature when you really want a master’s degree in library science. Maybe one of you wants to go to medical school. Now is the time to make future educational plans clear before you make any further moves. #4: TALK ABOUT LIFE INSURANCE Insurance is there to provide for you in the event of an emergency. As a young couple or a newly married couple, you might be wondering how much life insurance do I need

. Many

employers offer a basic policy that includes a year’s salary. If you face specific circumstances such as prior dependents or lots of expenses, find out if you can increase the amount. That offers more protection at less cost. #5: GET STARTED RETIREMENT PLANNING NOW It’s never too early to begin planning for retirement

.

Getting married offers the perfect time to examine your finances and think about where you’re headed right now. You should ideally agree with each other about your plans for retirement. #6: TALK ABOUT WHERE YOU’RE GOING TO LIVE Your first home together is not necessarily where you intend to live five years from now. Have a discussion about where you want to live in the future. You might be dreaming of a cottage by a lake. Meanwhile, he’s into a pied-a-terre in the city. It would help if you told each other this before you get married. You can always make compromises that satisfy both parties, such as living in the center of a small town with a lake in the backyard. #7: TALK ABOUT AN EMERGENCY FUND Let’s face it. Emergencies happen. One day the car breaks down. Next, you need to bring the dog to the vet. Now is the time to start an emergency fund if you don’t have one in place already. The ideal emergency fund has at least three months of living expenses in a safe place, such as a CD. Many people find it best to add another three months just in case something big goes wrong. This way, they’re prepared for anything. #8: TALK ABOUT THE DISTANT FUTURE In the rush of a marriage, it’s important not to lose sight of the coming years. Even if you’re marrying past the average marriage age, chances are you’re going to have plenty of time together. Now is the time to make plans at reasonable intervals. For example, think about what you hope to accomplish after the first year of your marriage. You might want to aim for a certain amount of funds in the bank, a promotion at work, or enough money for a down payment on a house. As the years go by, you’ll want to examine these plans in detail. See what goals you’re meeting and objectives you might need to work on

further.

#9: TALK ABOUT YOUR BANK ACCOUNTS

Your bank accounts

play a major role in the management of your finances. Think about the kind of banking plans that are going to work best. You might want to opt for a joint bank account. That can simplify your record-keeping and make it easier to see where the money’s going. However, it can also be useful to have separate accounts to allow each partner certain financial flexibility. Categories Uncategorized

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PROPOSAL: AN ENGAGEMENT STORY November 20, 2020 by Wendy The night we got engaged

, I had

absolutely no idea what was about to happen. I did not expect anything like that until his seasonal overtime ended. Sure, I had a Pinterest board filled with engagement rings I liked, but most girls have a Pinterest board like that. I guess I should have figured something was up because we had been watching a series of documentaries on jewelry and precious gems. The most recent had been about princess cut engagement rings

.

Another hint should have been when we talked about how it would feel to be recorded during a proposal. We were watching The Bachelorette, so I did not think anything of it. To give a little bit of context, we had been dating for over a year, and I knew I wanted to marry him. Because it will come up later, I gave him a blank, leather-bound journal for our first Christmas together. In the first several pages, I had written about our first dates from my perspective. The night started out with nothing going according to plan. Over the past few days, I had felt the tickle in my throat that heralded a spring cold. Also, it was raining. The incoming spring cold and rain in combination meant I chose to wear my coziest hooded sweatshirt instead of my meticulously selected date-night clothes. If I had known what he was planning, I would have dressed up nicer! He picked me up at the scheduled time, and we laughed together because the rain was so loud on the roof of his car. No evening stroll along the riverfront for us! A few negotiations later, we ended up reenacting our second date with a trip to Sonic, and then to a bayou-themed winery. The winery was beautiful in the rain. We sat at an outdoor umbrella table and watched rain fall into the lake. He seemed full of exuberant energy, but I thought it was because this was his first time out after working six consecutive days of overtime. The rain pounded on the umbrella, and we sampled some delicious wines. His bouncy energy was infectious, and it made the wines taste more intense. Then, he pulled the leather journal I had given him for Christmas out of his pocket. He was ready for me to start writing from my perspective again and invited me to read what he had written in the months since Christmas. At first, I hesitated because I did not want to read it in front of him. After some prodding, I agreed to read it if he agreed not to watch me. Except for some intermittent poking, he behaved. What he had written made my insides feel like melted butter. When I got to what I thought was the last page of his writing, I noticed there was some writing on the next page. I flipped the page and found one sentence: “Will you marry me?

” in his neat,

masculine handwriting. My heart started beating really fast. Because I did not think I was supposed to have seen it, I flipped the page back. I was about to tell him how much I liked what I had read when the wind

changed.

Instead of falling vertically, the rain started falling diagonally and began pelting us. We retreated to the other side of the table to the one spot where the rain could not reach. He leaned across the table, rescued the journal, and returned it to his pocket. We held onto each other as we tried to stay dry. After not enough time, the rain slackened, and I started to return to my seat. He snagged my hand,

stopping me.

Then, he got down and one knee and held out a ring. He asked if I would marry him. I replied that I would love to be his wife. We kissed, and he put the ring on my right hand. Later, when we were getting ready to tell our parents, I asked if it was a cultural tradition in his family to wear an engagement ring on the right hand. He looked at me with a surprised look on his face. In all the excitement, he had not realized which hand he put the ring on! Categories Uncategorized

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6 THINGS TO DO BEFORE YOU BUY A CAR November 19, 2020 by Evan The process of buying a new car can be quite hectic and intimidating. The process may seem daunting, especially if you have to deal with a car sales agent. The car’s value will depreciate with time, and it’s imperative to look for the best deal. However, with improving car affordability, it has become relatively easier to purchase a car. Even so, it still requires you to be skeptical and keep an eye out before making the final offer on a motor vehicle. Thus, it would help if you considered a few elements before buying a new car. Here are some aspects to keep in mind when going for automotive shopping.

DO YOUR RESEARCH

You should first take the time to conduct extensive research on the car you want to buy. Take time to research the vehicle(s) you have in mind. There are many car review pages online where you can find relevant information on various cars. You should avoid buying the car blindly. Do your homework and find out more aspects of the vehicle. This should include the pros and cons, as written by unbiased reviewers. It always helps if you had all the facts right regarding the vehicle. Before you can walk into the dealership, ensure that you have enough knowledge about the cars in your wish list. Determine your price range and find the vehicles that you can afford. It can also help if you attend car shows in your area to gain more information about specific models. The auto shows also enable you to make side-by-side comparisons of the vehicle models. This way, you can learn more about the trim options, color, and availability. You can take advantage of the show and schedule a test drive to know how the car feels on the road. LOOK FOR ONLINE DEALS The internet has made almost everything better and more straightforward. Taking your vehicle search to the web allows you to come across various deals offered by different vendors and private sellers. Some online dealers provide virtual showrooms and provide more information on the vehicle. You can make your purchase request through the dealer’s website and enter an agreement. The entire purchase process doesn’t need to be online since you may need to schedule a test drive before you complete the transaction. Look for good deals from different dealers online and walk down to the dealership to check out the vehicle as you finalize the transaction. THINK ABOUT FUEL ECONOMY More and more, you’ll want to consider the fuel consumption of a given vehicle and know how to save on the fuel costs. The federal government has levied taxes on cars with a specific fuel consumption rate. That said, it would be a shame to have nice wheels and lack the finances to fill up the gas tank. Hybrid vehicles are a great way to minimize fuel consumption. Electric vehicles can even more significantly minimize gas costs. SHOP BOTH NEW & USED CARS Slightly used cars are cheaper than new ones and will work to save you money. Even so, it doesn’t mean that you should write off the possibility of purchasing a new car. Your decision to buy a new or used vehicle depends on the vehicle’s condition and how long you

intend to use it.

CALCULATE INSURANCE COSTS It is a good idea to find out in advance how much it would cost to insure the vehicle–especially if you’ll be wanting comprehensive coverage. Generally, if you take out a loan to buy a car, the lender will require you to buy comprehensive coverage. You can get an anonymous car insurance quote online, however, to arm you with this information without having to give your personal information to an insurance company. AFFORDABILITY AND FINANCING Make sure that you buy a car that you can afford. Consider whether you have the budget required to either pay in a lump sum or make payments over the duration of the loan. Take time to think and get your finances in check. Consult the dealer and find out more about their payment options and consider the asked down payment. Categories Uncategorized

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Text

COUPLE ARCHIVES

our savings.

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