Australia to join Asian bank

TREASURER Joe Hockey will travel to Beijing on Monday to formally sign up to the Asian Infrastructure Investment Bank, joining 56 other countries.

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Proposed work at Red Rock includes new scenic loop escape route

Planning is underway for a new road and other improvements aimed at easing congrestion at Red Rock, which gets more than 1 million visitors each year.

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Lakes Entertainment shareholders OK merger with Golden Gaming

Lakes Entertainment shareholders approved the company’s merger with Las Vegas-based tavern and slot machine route operator Golden Gaming during a vote on June 17, the company said in a securities filing.

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How to Discover Your Financial Grit

You might be under the illusion that financial success is all about smarts.

Nope. Think again.

You can be the smartest mathematical guru in the world and find yourself broke.

Why is this?

Don’t all the smart people get the best-paying jobs and a Lamborghini or two?

Isn’t it the smart people who can shrug their shoulders at briefcases full of cash because their portfolios are too big for the hassle of making the deposit?

Well, not exactly.

I’ll let you in on a little secret.

You know what the secret sauce is to financial success?

It’s grit, and I’m going to show you how to get it.

What’s Grit Anyway?

Look it up in the dictionary and you’ll find words like courage, resolve, strength, and character.

I don’t know about you, but when I hear that someone has grit, I picture a tough, rough war hero pressing forward despite unspeakable odds.

I picture a weathered sailor in the perfect storm riding the crest of a 100-foot wave destined for glory. I picture someone who doesn’t stop even in the face of danger or failure. I picture a Soldier of Finance.  

That’s grit, my friends.

The Importance of Grit

The interesting thing about grit is that it’s actually one of the most important qualities to have in academics. Smarts only takes you so far – grit takes you beyond the limits of your mental abilities.

In an article by Emily Hanford, writing of Angela Duckworth and the research on grit, she writes:

In one study, Duckworth found that smarter students actually had less grit than their peers who scored lower on an intelligence test. This finding suggests that, among the study participants — all students at an Ivy League school — people who are not as bright as their peers “compensate by working harder and with more determination.” And their effort pays off: The grittiest students — not the smartest ones — had the highest GPAs.

Hard work. Determination. These are ideals that have proven themselves to be valuable over and over again.

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If you want to do anything notable in life, it’s probably going to require some grit.
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Tenacity is highly valuable. And when it comes to finances, you’re going to need a huge helping of it.

Financial Success and Grit

I believe there is a strong correlation between financial success and grit. Let me explain.

Americans are up to their eyeballs in debt. You should hear some of the stories I hear on a regular basis. While many of my clients come into my office to talk about their investments, inevitably we get on the subject of debt – which genuinely needs to be addressed as part of their overall financial strategy.

Student loans, credit cards, mortgages, business loans – every piece of debt my clients hold is a liability that takes away from their ability to invest and make money on their money. Many times, debt becomes an overwhelming burden in the lives of my clients, and they can’t see a way out.

The problem with debt is that while it’s pretty easy to learn how to get out of it, doing so is another matter altogether. It takes well-estabilished grit to sacrifice the majority of discretionary expenses and put in the extra hours at work to have enough money to make a real dent in the problem of debt.

Whether you’re trying to overcome burdensome debt, find a suitable career, or develop a well-balanced investment portfolio, you’re going to need some serious grit.

The truth is financial success requires a deep commitment to a set of ideals not just at the beginning of the journey, but over the long haul through everything that life throws in one’s path.

How to Grab Some Financial Grit

How do you develop grit in your financial life? I have a few suggestions . . . .

1. Work up to larger goals.

If you want to develop some financial grit you can’t start out by tackling nearly impossible goals. If you do, failure will stomp on your dreams and you might slip into inaction.

Instead, start on a few small, attainable financial goals. For example, you might begin by creating a budget that actually works. Don’t try to become an overnight millionaire, start wherever you’re at on your financial journey.

Over time, once you have the foundational pieces of financial planning in place, you can work up to learning how to invest with confidence or start your own business.

2. Decide who you’re going to become.

If you feel you’re timid and don’t take many risks, it’s time to change how you view yourself. If you tell yourself day after day that you’re a nobody and you’re not going to amount to anything, well, you’ll probably fulfill your own prophecy.

Decide who you’re going to become. Who do you want to be? If you could start fresh, what would you do?

Never let who you’ve been determine who you become. Do you think I was born with my own business and a career I love? No way! I had to fight to get to where I am today. The good news is you can do the same.

3. Practice getting back up after failures.

If you can learn to get back up after failures, you’ll find some grit.

Failure is often found on the path to success.

Theodore Roosevelt once said:

Far better is it to dare mighty things, to win glorious triumphs, even though checkered by failure . . . than to rank with those poor spirits who neither enjoy nor suffer much, because they live in a gray twilight that knows not victory nor defeat.

Don’t be afraid of failure! It will happen. Develop some grit by pressing on.

4. Develop a strong support system.

Sometimes the only way you can get through a difficult situation is with the help of others. Your grit coupled with the strength and wisdom of others might just be the recipe to get you through rough times.

That’s why I highly recommend developing a strong support system. Regardless of how much grit you can muster up, there will be occasions you’re going to need to rely on a friend or loved one.

When you do, you’ll realize that not only can others help you get through a difficult financial situation like going through a costly divorce, enduring a stock market crash, or watching your business dissolve into nothing, but people can encourage you to get gritty and march forward.

Financial grit will help you find a great deal of financial success. Remember, it’s not about smarts, it’s about how determined you are to reach your goals and stick with the plan even when trials and tribulations come your way.

Go with grit!

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Study: Top Performing Email Campaigns Generate 1 Forward For Every 21 Emails Opened

Email analytics company Litmus analyzed 400,000 email campaigns to identify benchmarks around email virality based on foward-to-open rates.

Please visit Marketing Land for the full article.

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SLS Las Vegas awash in red ink, reports $35m quarterly loss

The Strip resort formerly known as The Sahara lost $35.3 million in the first quarter.

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Las Vegas jobless rate under 7 percent for first time since recession

May marked the first time since 2008 that Nevada’s three metro areas — Las Vegas, Reno and Carson City — all posted jobless rates below 7 percent.

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Economist Puts Obamacare 'Fantasy' to the Test

As the Supreme Court prepares to rule on the legality of Obamacare subsidies, economist Stephen Moore says the notion that law is working is a "fantasy" - and he can prove it.

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Amazon Echo Now Available To All, Shipping Starts July 14

Invites are no longer needed for Amazon's home-based personal assistant that offers voice search, shopping and more.

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YP To Spinoff Print Yellow Pages Business, Stay Focused On Digital

Though dividing into two companies, both will share a common sales force. YP-branded local yellow pages will continue to be distributed.

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GLPI likely to marry Pinnacle Entertainment — will it be a shotgun wedding?

At some point — if we’re reading the signs correctly — regional casino operator Pinnacle Entertainment will marry itself to real estate investment trust Gaming and Leisure Properties Inc. Wall Street hopes this isn’t a shotgun wedding.

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Banks’ dodgiest fee under microscope

IT’S the infuriating bank fee you are forced to pay, which bears no resemblance to the cost of providing the service. Now, two key politicians want to shut it down.

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Marketing Day: Instagram’s New Search Options, Facebook Tests Recognition Tools & More

Here's our recap of what happened in online marketing today, as reported on Marketing Land and other places across the web.

Please visit Marketing Land for the full article.

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Union Metrics Launches Multi-Channel Reporting & Adds Facebook Analytics

Company now offers combined metrics dashboard for Twitter, Instagram, Tumblr and the social network.

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How Much Does Car Insurance Cost?

Generally speaking, the faster the car goes, the more you’ll pay to insure it. Photo: NRMA Driver’s Seat

How much is car insurance going to cost you? It’s not an easy question to answer. The quote you receive could be painfully high or comfortably low based on a number of different factors. But for what it’s worth, the average amount spent to insure a car in the U.S. was $815 a year in 2012, according to the National Association of Insurance Commissioners.

However, as anyone who pays much less — or more — than $815 a year can tell you, there are a lot of variables that affect your car insurance rates.

Some factors, including where you live and what kind of car you drive, can be tough to change. Others, such as your driving habits and the level of coverage you choose, are a bit easier to tweak. I’ll break down these factors and discuss what (if anything) you can do to save a dime on your car insurance.

Before we get started, it’s important to mention one thing you can always do to save some money: Shop around. It’s easiest to start online. Our quote generator below can help you do that quickly, eliminating the hassle of calling individual insurers and repeating the same information. Just enter your ZIP code and you’re on your way:

Enter Your Zip Code:

Cost Factor No. 1: Basic Demographics

Your age, sex, marital status, and location all weigh heavily on how much you car insurance costs. That’s because your insurance company has an enormous amount of data that tells them how each of these things makes you more or less of a risk for filing claims.

For instance, if you’re younger (typically, age 25 or below), unmarried, and male, you’ll pay more than an older, married female, who is statistically less likely to file a claim.

Location also has a huge impact on your car insurance rates. State laws that regulate car insurance can have a big effect. Michigan, the most expensive state for car insurance premiums according to Insure.com, tops the list because residents get unlimited lifetime personal injury protection for medical expenses resulting from crashes. Montana comes in second, in part because crash fatality rates are very high, and insurers think driver safety laws are too lax.

You’ll also almost always pay more in densely populated areas, where you’re at more risk for an accident. This is likely why Washington, D.C., Connecticut, Rhode Island, and New Jersey are all among the top 10 most expensive states. Areas prone to natural disasters can mean car insurance costs a premium, too, which is why Louisiana is fourth on the list.

How to save: Unfortunately, this is the toughest category for eking out some savings. You’re unlikely to move or get married just to save on how much car insurance costs.

Still, it’s worth at least keeping in mind how big an impact where you live can have on what you pay. According to CarInsurance.com, even ZIP codes that aren’t terribly far from one another can vary dramatically on average costs. For more details on how costs vary from state to state, keep reading.

How much is car insurance? A state-by-state breakdown

Below, you’ll see how the cost of car insurance varies by state, according to two measures. The first number is the average expenditure per state, drawn from 2012 data from the National Association of Insurance Commissioners. This figure is the total amount collected in each state for liability, comprehensive, and collision premiums, divided by the total number of insured vehicles.

The second number compares the average premium for similar coverage across every state and Washington, D.C., according to a 2015 study by Insure.com. The study averaged quotes for a full-coverage policy for the same customer driving 20 of the best-selling cars in 10 ZIP codes per state.

As you’ll see, just because a state has a high average expenditure doesn’t necessarily mean it has a high average premium (and vice versa). Remember that the first number takes into account how much customers actually choose to spend — they may opt out of pricier coverage options or choose lower coverage limits — whereas the second number is simply an average of quotes for a policy that includes everything.

State	Average spent on car insurance (rank)	Average premium for a complete policy (rank)
Alabama	$659 (37)	$1,320 (22)
Alaska	$873 (13)	$1,410 (18)
Arizona	$781 (18)	$1,103 (37)
Arkansas	$679 (35)	$1,239 (27)
California	$749 (22)	$1,643 (9)
Colorado	$737 (25)	$1,245 (26)
Connecticut	$986 (9)	$1,690 (7)
Delaware	$1,065 (6)	$1,542 (13)
District of Columbia	$1,154 (2)	$1,799 (3)
Florida	$1,127 (4)	$1,742 (5)
Georgia	$768 (20)	$1,519 (14)
Hawaii	$735 (27)	$1,114 (34)
Idaho	$534 (51)	$877 (49)
Illinois	$731 (28)	$1,079 (39)
Indiana	$637 (40)	$1,033 (41)
Iowa	$561 (49)	$886 (48)
Kansas	$632 (42)	$1,147 (33)
Kentucky	$759 (21)	$1,341 (21)
Louisiana	$1,112 (5)	$1,774 (4)
Maine	$582 (47)	$805 (51)
Maryland	$966 (11)	$1,590 (11)
Massachusetts	$976 (10)	$1,460 (16)
Michigan	$1,048 (7)	$2,476 (1)
Minnesota	$718 (29)	$1,222 (29)
Mississippi	$748 (23)	$1,584 (12)
Missouri	$683 (34)	$1,112 (35)
Montana	$658 (38)	$1,866 (2)
Nebraska	$616 (44)	$1,086 (38)
Nevada	$906 (12)	$1,248 (25)
New Hampshire	$716 (30)	$905 (47)
New Jersey	$1,129 (1)	$1,595 (10)
New Mexico	$695 (32)	$1,237 (28)
New York	$1,152 (3)	$1,013 (42)
North Carolina	$611 (45)	$986 (44)
North Dakota	$576 (48)	$1,377 (19)
Ohio	$634 (41)	$843 (50)
Oklahoma	$737 (26)	$1,496 (15)
Oregon	$741 (24)	$1,211 (30)
Pennsylvania	$827 (16)	$1,304 (23)
Rhode Island	$1,034 (8)	$1,656 (8)
South Carolina	$772 (19)	$1,210 (31)
South Dakota	$556 (50)	$1,180 (32)
Tennessee	$673 (36)	$1,263 (24)
Texas	$858 (14)	$1,449 (17)
Utah	$713 (31)	$1,059 (40)
Vermont	$642 (39)	$957 (45)
Virginia	$691 (33)	$1,008 (43)
Washington	$809 (17)	$1,110 (36)
West Virginia	$846 (15)	$1,716 (6)
Wisconsin	$598 (46)	$930 (46)
Wyoming	$618 (43)	$1,371 (20)
National average	$815	$1,311

 

Cost Factor No. 2: The Car You Drive

You probably didn’t think about how your car would affect your insurance rates when you bought it, and you probably won’t trade it in just because of your rate. However, just as your insurance company assumes you’re a bigger or smaller risk based on your own demographics, it assigns risk based on the car you drive, too.

How to save: When it’s time to shop for a car, keep this rule of thumb in mind: The faster the car can go, the bigger the risk of a crash, and the more you’ll pay.

If you drive a sensible family car such as a minivan, sedan, or SUV, you probably won’t pay nearly as much as someone who drives a pricey, high-performance sports car. In a recent analysis, the Nissan GT-R Nismo, Mercedes-Benz SL65 AMG Convertible, Dodge SRT Viper, Porsche 911 Carrera S Cabriolet, and Audi R8 5.2 Spyder Quattro were the most expensive to insure. On the flip side, the Jeep Wrangler Sport, Jeep Patriot Sport, Honda CR-V, Dodge Grand Caravan, and Honda Odyssey were easiest on the wallet.

You can also save a bit of money by considering a used car, which will almost always be cheaper to insure than a new one. Anti-theft devices such as alarms, anti-lock brakes, and other safety-focused equipment can also save you some cash.

Cost Factor No. 3: Your Driving History

This one is probably the most obvious factor affecting your car insurance, and it may seem like the fairest one. The more tickets and violations you have, the higher your rates are going to climb. Some tickets will be worse than others: For instance, if you’re cited for DUI or reckless driving, your insurance premium could nearly double, according to Bankrate.

Speeding or running a red light will still raise your rates, but much less. In fact, your insurer may not raise your rates after one speeding ticket. The increase you see may also partially depend on how fast you were going. The average bump is 21% if you were caught going up to 15 mph over the speed limit, but that rises to 30% if you were flooring it at 31 mph or more over the limit.

How to save: You can’t rewrite the past, but you can be a safer driver going forward. If your insurer offers one, you can even consider installing a tracker that records data on driving habits such as mileage, sudden acceleration or deceleration, excessive speed, rough turns, and whether you drive a lot at night. Typically, you won’t be penalized for bad driving, but you could be rewarded for good driving. You may also be able to save by taking a defensive driving course.

Cost Factor No. 4: Your Credit Score

If you’re wondering what your credit score has to do with how much you pay for car insurance, it’s a good question. Insurers cite an abundance of data showing the higher your credit score, the less likely you are to file a claim. The reverse is also true: If your credit score is poor, you’re at a greater risk for filing a claim. This controversial practice is actually illegal in a few states (California, Hawaii, and Massachusetts), but otherwise, it’s fair game.

How to save: There’s no quick fix for bad credit, but raising your credit score is still enormously worthwhile because it affects far more than what you pay for car insurance. Paying your bills on time for an extended period is one of the best things to do for your credit score. Reducing large balances and being judicious about opening new credit accounts can also help. For more on what your credit score affects and how to raise it, check out our article, What is a Good Credit Score?

Cost Factor No. 5: Your Driving Habits

Your driving habits make up your daily driving routine. Do you commute daily via car, and for how long? Do you ever use your car for business purposes? Does your car gather dust until the weekend because you use public transportation during the week? Do you park on the street, in a shared lot, or in your own private garage?

All of these things add up to paint a picture of your risk of getting into a crash. Accordingly, they can affect your car insurance premium.

How to save: It sounds obvious, but the less you drive, the less of a risk you are for your insurance company. Moving closer to work to reduce your mileage, taking public transportation, or carpooling are a few tactics that can save you a lot of money — just be sure to report any such chances to your insurer so that you can reap the benefits.

Cost Factor No. 6: The Amount of Coverage You Choose

When you’re shopping for car insurance, there are a couple of numbers that will weigh heavily on what you pay. The first is your limits — that is, the maximum amount your insurance company will pay in the event of a claim. Limits are usually written like this: $50,000/$100,000. That means your insurer will pay up to $50,000 per person and $100,000 per accident.

The second number to know is your deductible. That’s how much you’ll pay out of your own pocket when you make a claim. A common deductible is $500, but they can go as low as around $100 and as high as $1,000 to $2,000.

How to save: You don’t want to overpay for coverage you don’t need, but you also don’t want to skimp and leave yourself on the hook for thousands after an accident.

You’ll be required to have a certain minimum limit depending on where you live. For instance, as a Tennessee resident, I’m required to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage as well as $15,000 in property damage liability coverage.

However, just because you are only legally required to have a certain amount of coverage doesn’t mean it’s a good idea to carry only the minimum, even if that will save you money. That’s because you could lose your assets, such as your savings or even your house, if someone’s medical or property damage bills exceed your ability to pay when you’re at fault.

That means if you have significant assets, you’ll want to protect them with more coverage. Experts often recommend $100,000 per person and $300,000 per accident as a minimum.

Your deductible can be a better place to save. Agreeing to pay $1,000 instead of $100 in the event of a claim can save you a lot of money — but it’s a tactic you should only use if you have that $1,000 stashed away in your emergency fund, ready to pay that bill should you need it.

Cost Factor No. 7: The Type of Coverage You Choose

The types of coverage I discussed above — bodily injury liability and property damage liability — are required when you buy car insurance. There are some other types of coverage that you may be able to skip, however.

How to save: Instead of blindly paying for every kind of coverage, carefully evaluate whether they make sense for your individual situation.

For instance, personal injury protection (PIP) isn’t required in all states. It helps pay for your or your family’s medical bills after a crash. However, it’s probably not necessary if you and your family have adequate health insurance. It also doesn’t make sense to pay for roadside assistance if you’re already a member of AAA.

Comprehensive and collision coverage will be required if you’re financing or leasing your car, but are optional if that’s not the case. Comprehensive covers damage to your vehicle from car theft, vandalism, and other calamities that don’t involve actual crashes. Collision coverage is similar to comprehensive coverage, but covers actual crash-related damage to your vehicle.

If you’re not required to have comprehensive or collision, it might make sense to drop this pricey coverage if you drive very infrequently or if your car’s value is very low.

How Much Does Car Insurance Cost? A Lot — If You Don’t Shop Around

Remember that one of the best things you can do to save on car insurance has nothing to do with who you are, where you live, the coverage you select, or how you drive. Instead, it’s simple comparison shopping: You should always look around to make sure you get the best deal, since each company places a slightly different emphasis on the factors I outlined above.

One other critical reason to shop around is that different insurers offer different discounts. Some will offer you a break for being a good student, a member of certain organizations, active-duty military, or for bundling other policies such as home insurance with the same company. That’s on top of common price breaks for driving less, driving a low-risk car, or having a good credit score, among the other factors I discussed in this article.

Online quote tools can be particularly helpful as you start your search. However, remember that the quicker the quote, the more information you’ll have to provide further down the line. Given how many variables affect how much car insurance costs, you’ll eventually have to provide a fair amount of personal information to get the most accurate price. Good luck!

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Instagram Offers New Explore Page & Search Options

Facebook-owned photo sharing network updates mobile app make it easier to find real-time content.

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Retailers unite against ‘Stars & Bars’

AMAZON and eBay have banned sales of the ‘racist’ Confederate flag following the horrific Charleston church massacre.

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Economist Puts Obamacare 'Fanstasy' to the Test

As the Supreme Court prepares to rule on the legality of Obamacare subsidies, economist Michael Moore says the notion that law is working is a "fantasy" - and he can prove it.

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Esurance Makes Heartfelt #EqualDreams Argument For Same Sex Marriage In Advance Of Supreme Court Ruling

The Allstate company expresses solidarity with the LGBT community at a time when same-sex marriage is part of the national discussion.

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Reduce Cart Abandonment and Increase Revenue with Customer Reviews- July 29 Webcast

Turn more shoppers into buyers by gaining their trust.

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Google Display Network Ads Support New Free Music Service

Video and image ad inventory expands to the free version of Google Play Music.

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Las Vegas gaming companies’ bids to leave utility set for review

Just days after the Nevada Public Utilities Commission denied an application by the data storage company Switch to leave Nevada Power Co. and seek its own energy supply on the wholesale market, three major Strip gaming companies were set to have their applications reviewed for the first time Tuesday.

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Freelancing as a College Student: 5 Strategies for Balancing School and Work

After I couldn’t find traditional employment that balanced well with my commitments as a college student, I started freelance writing to use my skills, obtain real-world experience and make money.

Instead of having to juggle a job around full-time classes, freelancing can help you lighten your workload, get a much better paycheck and jump-start your career. It’s easy to set up, and you can complete assignments at times that work for you.

However, freelancing as a college student isn’t quite as simple as it sounds. I know first-hand that demanding classes plus demanding clients equals no fun for anyone. If you fall into that trap, it can be hard to get out, and both your academic and professional work will suffer. Before you know it, you could fail at work and school.

Worried about balancing a freelance career with classes? Here are five secrets that have helped me achieve a Zen-like harmony in my collegiate work life.

1. Prioritize Your Classes

This might seem like a no-brainer, but it can be easy to put classes on the back burner. No matter what, your classes always come first. That five-page paper due in a few days is much more important than that blog post your client wants.

I’ve had a few assignments that took over my studies, and I felt both drained and discouraged. Once I politely said no to those clients, I could focus again and keep my grades up. If I had chosen to stay with those clients, my schoolwork would have hit rock bottom. Choosing to cut ties and prioritize school was the best decision for me.

As a rule, you should never work on a freelance assignment until all of your school assignments are done for that day. After you’ve done your homework, take a breather, and then work on freelancing material.

Of course, you should do your best to deliver to clients in a timely manner. But in the end, your classes are of the utmost importance.

2. Let Your Clients Know You’re a Student

The best way to prevent your work from taking over is to explicitly tell your clients where you stand. By declaring your intentions, you’re preventing potential future conflicts.

Mention that you’re a college student in your bios and on your website. You can also send a quick, friendly note to prospective clients. Try something like this:

Keep in mind that I’m a full-time college student, so while I value you and your time, my classes will take priority. If I’m ever late on delivering, I’ll be sure to make it right.

Most clients will understand, and if they don’t, you don’t need them. More often than not, clients will be more than happy to accommodate. In my experience, people understand I’m busy, respect that I’ve let them know up front, and are willing to work with me.

3. Choose Your Activities Wisely

If you’re a social butterfly, you might be a member of many clubs and organizations at your college. Joining the right groups can be a huge benefit for your academic and professional careers, but as a student freelancer, you’ve got to choose which ones will be best.

For instance, joining an entrepreneurship club can help you make connections you’ll use later on in life. However, joining an air hockey team might not be the best use of your time. When you’re already balancing school and work, you don’t want to add anything more than you have to.

I personally choose to not belong to any clubs or organizations because they require too much time. However, if you find a group that will help you achieve your goals, join it.

To make it easier, ask yourself this one question: Will joining this organization advance my career? If not, reconsider it. This will help you filter out which clubs and groups will help you and which ones will hinder you.

4. Don’t Overexert Yourself

Know your limits and respect them. If you’re overwhelmed, stop and take a break. Don’t make the mistake of trying to finish building a website for a client during finals week. Plan ahead to get the rest you need.

If you have an avalanche of schoolwork (like upcoming tests or large assignments) that causes you to put off your freelance work, tell your clients you’ll be unavailable until you’ve turned in everything to your professors. When the academic stakes are high, you can’t risk an overload.

Go back to point number two and let your clients know. If you’ve got too much on your plate, send your clients a polite message saying so. After all, you told them you’re a full-time college student. I’ve told several of my clients this, and they’ve all been gracious and patient. Be straightforward and honest with them, and it will work out.

5. Make Your Own Rules

As a freelancer, you are your own boss. One of the best parts about the job is getting to choose who you want to work with. You are the one who says yes or no, and you work on your own time.

From the get-go, make sure your clients know that they’re agreeing to your terms. By choosing to work with you, they’re accepting your conditions for work. They can’t complain if they agreed to work with your schedule.

Of course, you do run the risk of your client choosing another freelancer who can deliver more quickly. I’ve found that the best way to combat this is to set up a portfolio showcasing your best work. I’ve had many clients come to me because someone else they hired did a poor job. Once they saw the quality of my work, they were willing to work with me, even though I wasn’t the fastest. Quality trumps speed, so keep that in mind as you journey down the freelancing road.

Your Turn: Have you freelanced as a college student? Share your tips in the comments!

Ian Chandler is a freelance writer based in Ohio, currently studying English at Kent State University.

The post Freelancing as a College Student: 5 Strategies for Balancing School and Work appeared first on The Penny Hoarder.

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How to convince your boss to give you a bigger paycheck

In a perfect world, your boss would regularly recognize your obvious talent and immense contributions to the team with hefty raises. Unfortunately, it doesn’t usually work like that. If you believe the size of your paycheck is no longer sufficient, you’ll probably need to take matters into your own hands and ask for a raise.

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Rand Paul Gets Flat and Fair

Rand Paul overnight changed the dynamics of the Republican presidential race Thursday when he released his Fair and Flat Tax plan. As he said when he unveiled the plan: this is the boldest rewrite of the income tax system in 100 years.

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Over-55s take £1bn from pensions in first two months of freedoms

Michael Trudeau

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Over-55s have withdrawn £1 billion from their pension pots in the first two months since the new pension freedoms came into effect, George Osborne told Parliament yesterday.

Over-55s have withdrawn £1 billion from their pension pots in the first two months since the new pension freedoms came into effect.

Over-55s take £1bn from pensions in first two months of freedoms

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Over-55s have withdrawn £1 billion from their pension pots in the first two months since the new pension freedoms came into effect, George Osborne told Parliament yesterday. The chancellor revealed in the House of Commons that 60,000 individual investors had withdrawn an average of £17,000 each under the new pension regime. As of April this year, pension savers aged 55 or over can draw from their pension pots as and when they please. Investor behaviour This is only the first glimpse of investor behaviour under the new freedoms, and in his brief comments Osborne did not elaborate upon the spread withdrawals, the size of pots tapped, whether people opted for a lump sum or regular income-style withdrawals, or what age people tended to be when they accessed their savings. Tom McPhail, head of pensions research at Hargreaves Lansdown, says: 'Whilst the number of people taking money from their pensions has not significantly increased, the way they are doing so has, with fewer than one in 10 people currently choosing to buy an annuity, compared to eight or nine in 10 only a couple of years ago.' Some companies have voiced misgivings about the new freedoms, worried that people could inadvertently fritter away their retirement livelihood and wind up leaning on the state. Criticisms include the fact that the new freedoms are likely to make things easier for fraudulent investment salespeople and that investors could receive unexpected tax bills, and the risk of final salary scheme members transferring to defined contribution schemes without realising the costs and reduction in security involved. "The UK has a problem with saving, not spending," says Old Mutual Wealth's Adrian Walker, "so care needs to be taken when deciding how to measure the success of the pension freedoms. "I would suggest that a more appropriate measure of success will not come for many years, when those people who have withdrawn money from their pensions are still enjoying the retirement they planned and saved many years for." But others dismiss criticisms coming from a self-interested financial services industry as cynical. "The victors of pensions freedom are savers," says Liberty Sipp's John Fox. "The changes have been a success for consumers, and for choice. Yet many of the big beasts of the pension world see choice as a threat. "They've responded by muttering darkly about the consequences of people being free to choose what to do with their hard-earned nest eggs." This article was written for our sister website Money Observer

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What you need to know about the new pension rules

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Getty Images Added As “Interested Third Person” In EU Antitrust Charges Against Google

Getty accuses Google of building its own image search vertical using Getty's content, while demoting Getty-owned images in search results.

Please visit Marketing Land for the full article.

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Judge delays ruling in reorganization of Caesars’ largest unit

A bankruptcy judge has delayed a ruling in the reorganization of Caesars Entertainment Corp.’s largest operating division until October.

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Google AdSense Now Reports Invalid Activity Payment Deductions

Details in publishers' payment reports break out deduction withholdings.

Please visit Marketing Land for the full article.

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An Investor's Guide to Being a Landlord

Are you up to the task? Owning rental properties requires time and commitment. 

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8 Stupid Shopping Mistakes

Save money by not making these errors.


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Managing Currency Risks When Retiring Overseas

Make sure a change in the exchange rate won’t reduce your spending power.

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The Power Of Martech Unleashed

Thinking about implementing marketing technology tools to optimize the customer experience? Don't wait too long, advises columnist Mary Wallace -- the time to adapt is now.

Please visit Marketing Land for the full article.

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