Thousands of courses for $10 728x90

الجمعة، 16 سبتمبر 2016

12 Tips for Making More Engaging Video for Facebook Live

As a marketer, I’m sure that you know how important it is to create a connection with your audience.

It’s essential for slashing through the barriers that divide us, for establishing a unique brand identity and for building trust.

There have been times I’ve been successful in doing so. And then other times, I’ve totally fallen flat.

It’s getting easier than ever to create an unique connection, because we now have the technological tools to do so.

One of the best tools that enable you to do this is Facebook Live, which “lets people, public figures and Pages share live video with their followers and friends on Facebook.”

The concept is simple. You record a live video that your audience can watch in real time and respond to by commenting.

Facebook Live provides the perfect framework for connecting, and its personable nature is ideal for facilitating interaction.

In fact, initial data has found that “people comment more than 10 times more on Facebook Live videos than on regular videos.”

But how can you ensure that your videos are engaging?

Here are some tips that should point you in the right direction.

1. Consider investing in some equipment.

First things first. You really want to strive for quality with your videos.

You want to look like a professional.

Any sign of amateurism can drive a wedge between you and your audience.

That’s why I recommend buying some basic equipment to enhance your quality.

This doesn’t need to be anything over the top, but a simple tripod can really help stabilize your videos so that they don’t look all shaky.

You can usually find a decent tripod for as little as $10, so this shouldn’t break the bank.

Or if you’re going to be recording from a location where a tripod isn’t viable, you can always use a selfie stick to serve as a stabilizer.

2. Experiment with lighting.

Lighting is a big deal when making a video and can really impact its overall quality.

If you’re filming outdoors, this shouldn’t be a problem as long as it’s reasonably sunny.

But if you’re filming indoors, you’ll want to try out different lighting options to see what looks the best.

Generally speaking, the more lighting, the better.

So if you’re in a room with dim lighting, you may want to bring in an extra lamp so that you’re more visible.

Here’s an example of good lighting.

3. Test the process before going live.

Let’s be honest. You’re probably going to run into a few glitches along the way when first starting out.

It can also be a little nerve racking when you’re suddenly broadcasting yourself to a large number of your followers.

That’s why I recommend testing everything out beforehand and getting comfortable with the idea of being in front of the camera.

You can do this by switching the privacy setting to “Only Me,” which can be found by clicking on “More” and scrolling to the bottom.

Go ahead and record a couple of test videos until you’re familiar with the nuts and bolts of how everything works.

This way things should go relatively smoothly, and you’re less likely to freeze up once you’re actually live in front of an audience.

4. Make sure you’ve got a solid connection.

You definitely don’t want a weak connection when recording a video.

According to Facebook, “WiFi tends to work best, but if you can’t find a nearby network, you’ll want a 4G connection.”

This shouldn’t be an issue if you’re indoors. But if you’re in a fairly remote outdoor location, it most definitely can be.

If you’ve got anything less than 4G, you’re probably better off choosing a different location.

If you see that the “Go Live” button is grayed out, then you have a weak signal.

5. Create an outline.

From my experience, I’ve found that it’s best to have a basic game plan when using Facebook Live.

You don’t want to jump right in without knowing what you’re going to talk about.

Of course, you’ll want to ad lib to some extent, but I recommend having at least three or four main points to cover.

You’ll also want to address each point in a logical, sequential order so that your audience doesn’t get confused.

6. Leave some room for spontaneity.

At the same time, you don’t want your outline to be so rigid that there’s no wiggle room.

Because your video is in real time, you never fully know what’s going to come your way.

An interesting idea may pop into your head all of a sudden, or a viewer might ask a question that steers your video in a slightly different direction.

This is why I suggest trying to achieve a nice balance between an outline and spontaneity to ensure that things stay on track but don’t become boring.

7. Provide context.

Before you jump into all of the gory details of your broadcast, it’s important that you briefly explain what’s going on to your viewers.

You’ll want to introduce yourself, identify where you’re at if you’re out in the field and provide a basic rundown of what you’ll be talking about.

This will fill your viewers in on what’s happening and will provide some essential context.

8. Recap what’s going on.

Another thing you need to keep in mind is that viewers will tune in at different times.

Here’s what I mean.

At the beginning of a video, you may only have 10 viewers. But at five minutes in, you may have 100.

At 10 minutes in, you may have 250 and so on.

In order to keep everyone in the loop, you’ll want to periodically restate who you are and what’s happening.

This is why it’s smart to recap the details from time to time. I’ve found that the following intervals tend to work well.

  • Two to three minutes in
  • 10 minutes in
  • 25 minutes in

Just make sure to keep your recap brief and that you’re not being overly redundant because this can be annoying to viewers who have been watching from the start.

9. Be yourself.

This little snippet of advice is quite possibly the most cliché thing ever.

But nonetheless, you’ll want your tone and verbal delivery to be hyper-authentic and match your brand identity.

Most people can spot phoniness from a mile away, so I discourage trying to be something you’re not.

If you’re polite, courteous and friendly by nature, keep your video content in line with this.

Or if you’re a little cynical and snarky, that’s fine too. Just keep it real, and let your personality shine through.

The bottom line is that you should make your videos match your brand.

10. Be relaxed.

Okay, this is easier said than done.

It’s common to get a case of the jitters and be a little unnerved by the whole prospect of being broadcast live to potentially hundreds or even thousands of viewers.

But it’s important to get yourself in the right headspace when recording.

Although it’s normal to be a little nervous, especially if you’re new to Facebook Live, you’ll want to remain as calm as possible.

This should help you be more fluid with your delivery and make your content more interesting.

11. React to viewer comments.

One of the easiest and most effective ways to crank up the engagement level is to simply respond to what your viewers are saying.

During a video, viewers can leave their comments and ask questions.Be sure that you spend part of the time reacting. This is your key to making the process as intimate and organic as possible.

I even recommend addressing some of your viewers by name because this really gets them in on the action.

And because people have a natural affinity for hearing their own name, it’s going to give you some brownie points that can really pay off in the long run.

If you know that you’re going to so wrapped up with recording a video that you won’t have the time to respond to comments (this can be really difficult when comments come in fast), then I suggest having a partner who is also logged into to the primary account.

They can be responsible for answering comments and can help facilitate the overall process.

12. Stay live for longer to extend your reach.

Want to reach as many viewers as possible and maximize the engagement level?

Then stay live for longer.

Facebook recommends that you stay live for at least 10 minutes per video, but you can go for as long as 90 minutes.

Think about it. The longer you stay live, the better your chances become of reaching a larger audience.

While 90 minutes may be overkill when you’re first getting the hang of Facebook Live, somewhere between 15 to 30 minutes can be the right formula.

Once you’re more familiar and comfortable with the process, you can go live for longer and longer.

Conclusion

Facebook Live is no doubt a powerful medium for bridging the gap between you and your audience.

When used correctly, you can create incredibly engaging content that “pops” and allows you to connect in a personal, intimate way.

This form of two-way communication can be just the ticket for tightening your relationship with your audience and for taking your brand to the next level.

What has your experience been like with Facebook Live?



Source Quick Sprout http://ift.tt/2cMIwFK

Virginia Beach Company Fights US Skills Gap with Camp

Virginia Beach Company Fights US Skills Gap with Camp

Source CBNNews.com http://ift.tt/2cPH2sV

Brand Name or Generic Word?

Can you separate the brand names and the generic words in this HowStuffWorks quiz?

Source Business & Money - HowStuffWorks http://ift.tt/2cfsbtT

Brand Name or Generic Word?

Can you separate the brand names and the generic words in this HowStuffWorks quiz?

Source Business & Money - HowStuffWorks http://ift.tt/2cfsbtT

Cards Against Humanity is Offering a Full-Ride STEM Scholarship for Women

Passionate about science? Applying to college — or already enrolled? You might be able to earn yourself a full-ride scholarship.

Cards Against Humanity has opened the application for its 2017 Science Ambassador Scholarship, a full-tuition scholarship for a woman earning her undergraduate degree in science, engineering or math.

The iconic card game funds the scholarship program through its 30-card Science Pack expansion set, which retails for $10. All profits from sales of the Science Pack go toward the scholarship, which is up to almost $1 million.

How to Apply to be the Next Science Ambassador

If you identify as a woman, will be enrolled in college in fall 2017 and can talk circles around a STEM textbook, then you have no reason to not apply for this scholarship.

To apply, submit a three-minute video in which you “deliver a mini lecture, not a personal statement, as if you are teaching or lecturing an audience,” the application explains. Share your excitement about the topic of your choice, which doesn’t have to be your chosen field.

Need some inspiration? Check out the video entry by last year’s winner.

Upload your video to YouTube, make it public and fill out the super-short application form. A group of 60 women who work in science and engineering, plus your parents and aunts and uncles, will judge your video.

The website specifies 10 video finalists will be asked to submit additional materials, although what those materials will be is not explained. Basically, be ready to prove you’re majoring in a STEM field.

Your deadline: Dec. 11. The winner will be announced in March 2017.

Your Turn: What topic would you explain in your application video for this awesome scholarship?

Lisa Rowan is a writer and producer at The Penny Hoarder. All her degrees are in history. Disqualified.

The post Cards Against Humanity is Offering a Full-Ride STEM Scholarship for Women appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2d0Ryk5

Best Reverse Mortgage Lenders for 2016

A reverse mortgage allows you to convert your home equity into a cash loan, provided you’re over the age of 62. It can help you balance out your income during retirement, make it easier to pay bills, or even help you downsize to a new home. The reverse mortgage industry has a bad reputation, though, and looking for a credible lender can feel like a daunting task. Despite the introduction of new regulations to keep the industry in line, there are still plenty of scams, lots of bad advertising, and a surprising amount of poor counseling out there.

Fortunately, there are still plenty of good reverse mortgage lenders out there. The best reverse mortgage lenders — like my top overall pick, One Reverse Mortgage — don’t engage in any shady advertising or business practices, while also providing a wide range of reverse mortgage options, in-depth information about each of those options, and helpful representatives to assist you when you need them.

The Simple Dollar’s Top Picks for Best Reverse Mortgage Lenders

How I Found the Best Reverse Mortgage Lenders

First, I looked for lenders with a wide reach.

There are dozens, if not hundreds of local lenders who may be able to offer you great service, but I didn’t want to get a nationwide audience excited about a lender they couldn’t use, so I focused only on lenders who operate in at least 40 states. I found 86 nationwide reverse mortgage lenders from which to choose the top five.

I cut out the middlemen.

Lead-generation websites are great if you’re looking for a bunch of fast quotes, but they can’t offer you much information about the level of service or reliability you’ll get from the lenders they recommend. I want you to know exactly what you’re getting into, so I nixed any company that wasn’t a direct lender.

I also looked into each lender’s reputation.

I looked for lenders who did not have multiple regulatory actions or consistent complaints made against them. A mistake here or there doesn’t necessarily raise a red flag. Maybe someone forgot to sign the paperwork, or something was filled out incorrectly. But more than a couple incidents could spell a pattern, so I nixed any lenders who had recurring problems. All of my top picks are also members of the National Reverse Mortgage Lenders Association, which ensures that all of its members adhere to strict ethical guidelines in order to be a part of the organization.

Then I started applying for reverse mortgages myself.

Since most of us are going to start our search online, the best reverse mortgage lenders need to have a high-quality, professional website where you can quickly learn what you need, including:

  • Accurate and easy-to-understand educational info to help you get started with a reverse mortgage.
  • Helpful online tools, like interest and payment calculators.
  • An online pre-qualification form that is easy to use.
  • Easy access to reps through features like live chat, so you can get ahold of someone quickly when you need to.
  • Helpful information on counseling and payment options readily available online, so you can learn what you need when you don’t want to talk to someone else.

You’ll also likely spend time talking to your reverse mortgage loan officer over the phone or in person. Since you’ll have to go through it, I did, too. I called all of the top lenders; hammered the loan officers with questions; and judged each lender on response time, knowledge, and friendliness.

Also, there’s one final step I couldn’t test in the reverse mortgage application process for you: Before you can finalize a reverse mortgage, you’ll have to take a counseling course with a Department of Housing and Urban Development (HUD)-approved counselor. This step is required by the Feds to help you understand all of your options, and to hopefully help you make a sound decision.

The Best Reverse Mortgage Lenders

Best Overall

Learn More on OneReverseMortgage.com's secure website

When it comes to all-around lender quality, One Reverse Mortgage was the clear winner. A division of Quicken Loans, One Reverse Mortgage offered a well-rounded experience. The company website was helpful, with a decent knowledge center and an easy-to-use online pre-qualification app. After I applied online, the lender called me first, and answered all of my questions honestly and thoroughly. One Reverse Mortgage also offers a range of payment options, making it a good fit for most situations.

For Homeowners Who Want Payments Over Time

Learn More on Longbridge-financial.com's secure website

Longbridge Financial’s website has a clear layout with everything at your fingertips. Its knowledge center was helpful and straightforward, and I left the website feeling like I knew more about reverse mortgages than when I started. It was also the only lender in my top picks to offer a live chat function. Longbridge Financial offers a variety of reverse mortgage products, but it put a focus on long-term payouts (with helpful website information and knowledgeable reps to back it up), making it the clear winner in terms of online functionality and a good choice if you’re looking to receive payments over time.

For Homeowners Who Want to Downsize into a New Home

Learn More on Reversefunding.com's secure website

Reverse Mortgage Funding immediately answered my call when I had questions, and I was able to speak directly with a knowledgeable, helpful rep within five minutes. The loan officer kept pace with my laundry list of questions — everything from getting the required HUD counseling to closing costs — and left me feeling confident the company knew what it was doing. If you want to do business over the phone instead of online, Reverse Mortgage Funding is worth checking out, but the company also won the top pick spot for people looking to move into a smaller home. The lender has special programs geared toward helping seniors use a reverse mortgage to downsize into a new place — perfect if you want the benefits of a reverse mortgage, but aren’t sure if you want to stay in your current home.

Honorable Mentions

HomeBridge Financial Services didn’t offer as much information online as One Reverse Mortgage or Longbridge Financial, but it has an easy-to-navigate website that will help you get started. The loan officer I spoke to was friendly, fast, and didn’t make me feel rushed when I kept asking questions.

FBC Mortgage had a direct, no-frills website, but does offer contact information for loan officers right on the reverse mortgage page, so you can skip the 1-800 number. I tried it and reached my friendly loan officer, Al, within minutes. Al was more than happy to discuss my options with me. FBC Mortgage offers a wide range of reverse mortgages, both in lump sum and term payments, making it an all-around good reverse mortgage lender if you prefer to do business with an individual, rather than a machine.

Note: You may notice that the big names in banking you recognize are conspicuously absent from this list. There’s a reason: Most big-name lenders have pulled out of the reverse mortgage business in recent years. (Both Wells Fargo and Bank of America ended reverse mortgage services in 2011, for example.) But the lack of name recognition shouldn’t raise a red flag. These lenders still originate a large volume of successful loans. For example, Quicken Loans (the parent company of my top pick One Reverse Mortgage) is the largest online mortgage lender and second largest mortgage lender overall in the US.

How Does a Reverse Mortgage Work?

A reverse mortgage allows you to convert your home equity into a cash loan. You never have to make a payment, and you don’t have to have income to qualify. You will have to pay closing costs and setup fees (just like with a regular mortgage), and you’ll likely have to pay off any remaining mortgage you have before you start receiving payments, but those costs can be rolled in to your reverse mortgage, meaning you may not have to pay much or anything up front. And then, unlike your regular mortgage, you won’t have to make a payment every month — instead, you’ll get a payment, which deducts from the pre-existing equity you already have in your home.

There are some basic requirements.

Before we go further, you should know not everyone qualifies for a reverse mortgage. To be a candidate you must:

  • Be at least 62-years-old.
  • Be currently living in your home year-round (vacation homes don’t qualify).
  • Not have any outstanding federal liens (including taxes).

If you don’t meet the minimum qualifications, you may still have some other options to get cash from your home (I’ll talk about those a bit later). If you do meet the qualifications, you should know reverse mortgages work a bit differently than a traditional mortgage or loan.

Reverse mortgages come in four different forms.

Most reverse mortgages are known as HECMs, or Home Equity Conversion Mortgages. HECMs are insured by the US Department of Housing and Urban Development and represent 90 percent or more of all reverse mortgages, according to Casey Fleming, a mortgage advisor and author of The Loan Guide: How to Get the Best Possible Mortgage. All of my top picks offer HECMs.

Within HECMs there are four ‘types’ of reverse mortgages:

  • Lump sum: You’ll receive one lump sum to pay off your home and then spend the remainder as you wish.
  • Monthly annuity for life: A monthly payment for an undetermined amount of time.
  • Monthly annuity term: A monthly payment for a set amount of time.
  • Equity line: A line of credit you can draw against as needed to cover expenses.

And, remember: It’s a loan, not a grant.

While the lender will pay you initially, reverse mortgages are a loan, not a grant. If the homeowner moves, sells the home, or passes away, the balance on the reverse mortgage becomes due — typically paid off by selling the home.

What About Reverse Mortgage Scams?

Scams aren’t as common as they once were – regulations have tightened over the years to make it harder for would-be scammers – but it does still happen in some areas, especially when it comes to advertising. False or misleading information can happen in any lending situation, and it helps to be prepared. In fact, a recent study by the Consumer Financial Protection Bureau tested 97 advertisements for reverse mortgages. They found incomplete, misleading, or missing information in nearly all of them. That doesn’t mean you’re going to run into a scam, but it does mean you shouldn’t rely on advertising alone.

Comparison Shop: Always get quotes from multiple lenders. Since you’re not making monthly payments — the lender is paying you — it is easy to overlook this step, but you shouldn’t. Once your loan term is up — or you sell your home — you’ll have to essentially pay the lender back, plus interest, and a few fractions of a percentage point can make a big difference over the course of a loan. According to Fleming, “Reverse mortgages are the only product left where a loan officer can earn a higher commission by selling you a higher interest rate. Since seniors don’t make payments, they rarely comparison shop and so could easily end up with a much higher interest rate than necessary.”

Make sure the lender you’re considering is reputable: There are two easy ways to do this. First, check the lender out with the Nationwide Mortgage License System and Registry. The NMLS will tell you if the lender has any serious infractions. You can also see if it’s a member of the National Reverse Mortgage Lenders Association. (All of my top picks already passed these tests.)

Work with your HUD counselor: The required counseling session is a good time to address any specific questions or concerns you have — like what to expect for closing costs, or what payment option would work best for your schedule. Don’t be shy: If you’re worried or wondering, bring it up!

Read all the disclosures: Reverse mortgage products have a unique language and a lot of paperwork to get through, but it’s important that you read all of it, and understand what it says. And don’t get discouraged if you don’t understand it all (most of us don’t). “It might be helpful to ask a trusted family member or financial advisor for help with reading them,” Fleming says. Not sure who to ask? Your HUD counselor may be able to recommend someone.

And, remember: Not all reverse mortgages are bad news. Yes, there can be scams and false information floating around, but that doesn’t mean all reverse mortgages are inherently evil. Getting a reverse mortgage can be a responsible way to plan for retirement if done correctly.

Alternative options

Not sure if a reverse mortgage is right for you? It won’t work for everyone in every situation, so it’s important to consider alternatives. Consider these:

Refinance your mortgage. If your monthly mortgage payment is dragging down your fixed income, you may be able to refinance into a cheaper monthly payment and free up some cash.

Take out a HELOC. A home equity line of credit will give you a line of credit you can draw from whenever you need to make home improvements or have an emergency expense. However, once you draw out, you will have to make payments later to repay the loan.

Take out a home equity loan. A home equity loan will let you borrow against the equity in your house to cover unexpected expenses.

Downsize. It isn’t easy to think about, but downsizing has its benefits. For one, you could make cash from the sale of your home to help cover your daily expenses. And you may end up enjoying having a smaller home with less maintenance, which will provide you with more freedom.

The Bottom Line

Reverse mortgages aren’t for everyone, but as long as you choose a reputable lender and read all the fine print, a reverse mortgage can give you more financial freedom during your golden years.

The post Best Reverse Mortgage Lenders for 2016 appeared first on The Simple Dollar.



Source The Simple Dollar http://ift.tt/2csOAjz

15 Surprising U.S. Cities Where Rent Has Surged 11-26% in a Single Year

Does it seem like it’s getting more and more difficult to find an affordable place to rent?

It’s not just your imagination. Rent is rising around the country — in certain metropolitan areas, at an alarming rate.

A recent Bankrate post shared data from RentRange, a “data and analytics company for single-family rentals,” and identified 25 cities where rent is rising really fast — like double-digit fast — in a single year.

Wondering which cities made the list? Keep reading.

15 U.S. Cities Where Rent is Rising the Fastest

Despite what you might expect, the cities are located all across the country.  

Here are the 15 metropolitan areas where rent’s rising the fastest, followed by the percentage change from last year to this year.

  1. Cape Coral-Fort Myers, Florida: 26.1%
  1. New Orleans-Metairie-Kenner, Louisiana: 20.6%
  1. Seattle-Tacoma-Bellevue, Washington: 16.6%
  1. Deltona-Daytona Beach-Ormond Beach, Florida: 15.7%
  1. Port St. Lucie, Florida: 15.2%
  1. Knoxville, Tennessee: 14.9%
  1. Syracuse, New York: 14.8%
  1. Huntsville, Alabama: 14.4%
  1. Charleston-North Charleston, South Carolina: 13.7%
  1. Santa Barbara-Santa Maria-Goleta, California: 13.1%
  1. Nashville-Davidson-Murfreesboro-Franklin, Tennessee: 13%
  1. Pittsburgh, Pennsylvania: 12.6%
  1. Atlanta-Sandy Springs-Marietta, Georgia: 12.3%
  1. San Francisco-Oakland-Fremont, California: 12%
  1. Little Rock-North Little Rock-Conway, Arkansas: 11.6%

(For the full list of 25 cities, click over to Bankrate.)

Crazy, right?

Say your rent was $800 — an increase of 26% would mean you’d now be paying $1,008 per month. That adds up to nearly $2,500 over the course of a single year — a pretty pricy cost of living. That same amount could be put to much better uses, like saving for retirement.

And the thing is, there’s not really a good explanation.

“I couldn’t see any economic or demographic indicator that would explain why they rose so high,” one expert told Bankrate.

So what can you do? Here are a few ideas…

Negotiate Your Rent

Yes, it’s possible. This guy negotiated his rent down 50% in San Francisco, which is the #14 city on this list!

If you know you want to stay in a unit, try agreeing to a longer lease term in exchange for lower rent. Or, offer up your skills, from performing basic repairs and maintenance to helping your landlord with his taxes.  

Buy a House

Oddly enough, in some of these cities, the costs of houses are going down while rents are going up.

You might not think it’s possible to buy a house, but you could be wrong: Look into programs like this or this.

Move to a Different City

I know — it sounds extreme.

But if moving to another city gives you the ability to get a nicer place, save for retirement and enjoy a higher quality of life, it might be worth it.

Need ideas? Check these lists of 10 cheaper alternatives to expensive U.S. cities, affordable small towns or cities that will actually pay you to live there.

Your Turn: How much has rent risen in YOUR city?

Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

The post 15 Surprising U.S. Cities Where Rent Has Surged 11-26% in a Single Year appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2cLQ3Va

Love Photography? Shutterstock is Hiring People to Review Photos from Home

Like looking at photos?

Mountain landscapes? Cats? Food? Funky illustrations?

Me too. In fact, I could get swept up in it all day. If you’re the same way, you could actually get paid to do this.

Shutterstock — a website that offers millions of royalty-free photos, illustrations and videos — is hiring work-from-home editorial image and illustration reviewers.

What Does a Shutterstock Image Reviewer Do?

As an editorial image reviewer, you’ll check images to be sure they meet Shutterstock’s guidelines before hitting the online stock image catalog.

You’ll act as an authority, making sure photos meet technical standards and restriction expectations, detect fraud and ensure editorial integrity. You’ll look at a high volume of images in a short amount of time with keen eyeballs.

If something doesn’t hit a threshold, you’ll provide feedback to the contributors. In addition, you’ll monitor keywords and editorial captions for accuracy.

As an illustration reviewer, your responsibilities will be similar — only with illustrations.

Either way, you’ll do this all from home on a freelance basis for about 25-30 hours per week, including between five and eight hours on the weekends.

I reached out to Shutterstock about the potential paycheck and will update this when I hear back.

Am I Qualified To Work For Shutterstock?

You need some experience to snap — I mean snag — this gig.

As an editorial image reviewer, you need two or more years of editorial photography experience (think: photographer, stock agency contributor, photo editor, photo researcher).

So, you’ll likely have knowledge of editorial events (in the realm of news, entertainment and sports), industry trends and styles.

You’ll also need high-speed wired broadband internet access connected to your own PC or Mac that has accurate color display (none of that f.lux color-change on).

You should be organized, analytical, authoritative and confident in your judgements. You should also be fluent in English and be able to participate in business meetings.

On the illustration side, requirements are nearly the same, except the company’s looking for someone with two or more years of illustration/vector experience (think: graphic designer, stock agency contributor, art buyer).

You also must own a license for Adobe Illustrator and know your way around Photoshop, Google Docs and Microsoft Office Suite.

Feeling qualified? (I wish I was…) Find all of the job postings in all available time zones on Shutterstock’s career page. Seriously, it’s hiring a ton of people right now.

Want to find more work-from-home job opportunities? Visit our Facebook Jobs page.

Your Turn: Are you applying for any of these Shutterstock jobs?
Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. After recently completing graduate school, she focuses on saving money — and surviving the move back in with her parents.

The post Love Photography? Shutterstock is Hiring People to Review Photos from Home appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2cLCqW6

Don’t Pay Extra for Guac: 5 Avocado Recipes for Less than $5

Like many, I didn’t like avocados when I was a kid — a gustatory standpoint that seems like unimaginable blasphemy now.

Acquiring the taste for this delicious, creamy fruit was, for me, one of the very best parts of growing up. And these days, I can’t get enough of it.

Luckily, the avocado’s versatility is matched only by its nutrition and affordability, so I can eat the good green stuff every day with no guilt whatsoever.

But sometimes, it’s good to find ways to eat avocados that are more complex than simply cracking ‘em open and sprinkling them with salt.

Five Delicious Avocado Recipes — for Less than Five Bucks

In case you’ve ever found yourself walking past the mountain of avocados at the grocery store, unsure of how best to use them, we’ve compiled this list of five awesome avocado recipes that’ll leave you drooling — and dashing to the store to grab a few of your own.

Even better? All of the recipes ring in at under $5, and they range from main meals to dessert.

Although the price of the avocados themselves will vary depending on your location, they frequently go on sale in many markets (in fact, you could get them for as cheap as 7 cents each at southeastern grocer Publix today).

And despite the upcharge for guacamole most burrito bodegas levy, the fruit’s really not that expensive, even if you buy it at full price. For the purposes of this post, we’ll use an estimate of $1 per avocado — an average that our trans-continental office staff more or less agrees on.

1. Guacamole

This is my own, personal guacamole recipe, which I’ve made time and time again. (Yes, you should feel privileged.)

It makes enough to serve four, but I’ve been known to demolish the entire bowl myself with just a bag of baby carrots to help me — or, let’s be honest, a spoon.

2 Hass avocados: $2

1/4 fresh red onion, chopped fine: 23 cents

1 teaspoon minced garlic: 13 cents

Juice of 1 fresh lime: varies, but in Florida, usually about 50 cents. You can use the stuff in the squeezy bottle if you have it around and splurging on fresh produce is out of the question.

1 teaspoon of cumin: 2 cents

Salt and pepper to taste: 1 cent

To make the guacamole, simply combine the ingredients until smooth.

Pro tip: If you’ve got some extra hoarded pennies, use them to buy some fresh jalapeno pepper or cilantro to toss in your guac.

Total Price: $2.88, or about 72 cents per serving. Although this price doesn’t include dippers, you can get a whole giant bag of corn chips for $2 or less — and you’re sure to run out of guac well before you run out of chips.

If you do somehow have leftovers, here’s a secret for keeping your guac green (instead of brown): After packing it into a bowl, cover the surface with some cold water before you stick it in the fridge.

It’ll create an airtight seal to keep the avocado’s green flesh from oxidizing — and since it’s such a dense, fatty fruit, the water won’t seep into the mix and ruin your delicious dip!

2. Avocado Toast

This Instagram-friendly food fad is worthy of its band of devotees: Avocado toast is creamy, crunchy, crazy customizable and, best of all, super easy and cheap.

It also works really well as a dorm-room snack.

My favorite thing about this recipe is that it isn’t really a recipe at all. Instead, you just start with the basics, and then let your imagination run wild.

1 slice good bread: 20 cents, tops
1/2 Hass avocado: 50 cents

Since you’ve spent less than a buck so far, your topping possibilities are nigh endless. Finish off your toast with crumbled goat cheese, a splash of olive oil and chopped cherry tomatoes, or — obviously — bacon.

No matter what, you’d have to do some pretty serious snacking to come up with a finished product over $5.

Total price: 70 cents plus toppings

3. Avocado Eggs-in-a-Basket

This low-carb, high-fiber breakfast will keep you satisfied until lunch and possibly beyond — to say nothing of the fact that it’s mega delicious and simple to make.

Rachel’s recipe at A Southern Fairytale serves eight, but I’ve priced out an individual serving below.

1/2 Hass avocado: 50 cents
1 egg: 15 cents
Favorite hot sauce to taste (*can vouch: Sriracha goes eggscellently with this dish): 5 cents
Salt and pepper to taste: 1 cent
Optional extras:
1 tortilla: 19 cents
1 slice bacon, cooked and crumbled: 40 cents

Total price: $1.30, even with all the fixings — and less than a buck without ‘em.

4. Avocado Tuna Salad

Perfect to spread on a sandwich or dollop onto a bed of lettuce for lunch, or just to eat by itself with a fork.

Dre’s recipe calls for just a quarter of an avocado and a 2.6-ounce packet of tuna, which she cleverly mixes in the avocado shell itself — but you can scale it up and still come in well under a fiver.

1 Hass avocado: $1

12-ounce can of tuna: $2.44

Salt and pepper to taste: 1 cent

Total price: $3.45 — and you don’t even have to cook anything. Yes. Please.

5. Avocado Dark Chocolate Cookies

Listen, I know it sounds weird. I can feel some of you grimacing at your screen right now.

But I’ve made these bad boys tons of times and, yes, I’ve served them up to lots of unwitting folks… who were none the wiser after they finished every last bite — and even asked for more!

The taste and texture of these is a lot better if they’re refrigerated, so make them the day before and keep ‘em cool.

3/4 cup Hass avocado (about two small ones): $2

1/2 cup sugar: 12 cents (Josefine’s recipe calls for coconut sugar, which is a bit more expensive — and has the same glycemic effect on your body, despite its fancy name. I’d recommend just going with regular old table sugar, or even trying brown — you could also sub in a banana, which would cost about 19 cents, as long as you beat the batter very well).

1 egg: 15 cents

1/2 cup cocoa powder: $1.50

2 ounces dark chocolate: 90 cents

1/2 teaspoon baking soda: 1 cent

Total price: $4.67, or $4.71 if you use a banana instead of sugar. You’ll get about 10 cookies out of the batch, which means they’re less than 50 cents each.

So there you have it: five affordable ways to enjoy avocados at every occasion from breakfast to dessert.

Now, if you’ll excuse me, I have some cooking to do…

Your Turn: What’s YOUR favorite affordable avocado recipe? Let us know in the comments!

Jamie Cattanach is a staff writer at The Penny Hoarder. If you are what you eat, she’s at least like 20% avocado. Find @JamieCattanach on Twitter to wave hello.

The post Don’t Pay Extra for Guac: 5 Avocado Recipes for Less than $5 appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2d0wSsv

Complex Credit Card Agreements Put More than Half of Country At Risk

Complex Credit Card Agreements Put More than Half of Country At Risk

Source CBNNews.com http://ift.tt/2d5TlDl

How to Pimp Out Your Facebook Ads for Maximum Conversions

It’s time to get in touch with your inner gangster.

Don’t worry. There’s nothing illegal or dangerous going on here unless you think that making sky-high revenue from Facebook is illegal or dangerous.

In this article, I am going to lay out a simple and effective method for pimping out your Facebook ads to maximize conversions.

I’ll teach you how to turn your ads into an online bouncer who will not let a single customer leave their Facebook page without clicking on your ads.

No more Facebook followers glossing over your ads in favor of viral cat videos.

No more conversion rates so abysmal that they would make a used car salesman cry.

It’s time to get pimping and create Facebook ads that will bring in more profit than a casino in Vegas.

image02

Source: Ocean’s Eleven

So, put your large feathery hat to the side, take off your fur coat, sit back, and get ready to take some notes.

I am about to drop some serious knowledge about how you can transform your conversion rates.

Ready?

Let’s hit the street. 

1. Target the right clients

Here’s the deal.

It doesn’t matter how amazing your Facebook ads are.

If the right people are not seeing them, they will not convert. Period.

Think about it.

If the UFC ran an ad for the recent McGregor vs. Diaz fight targeting soccer moms and fans of futureswithoutviolence.org, do you think it would convert?

image01

Source: YouTube

Probably not.

Even if the ad was well designed, optimized for color psychology, and contained world class copy, there would be zero sales if the right people did not see it.

For example.

If you are running a Facebook ad campaign to sell your new product on health and wellness, you probably wouldn’t target Facebook users who are fans of McDonald’s and Wendy’s.

Luckily for you, Facebook targeting is the undisputed heavyweight champion of customer targeting.

The first step to running high converting Facebook ads is to target users based on their interests.

Find users who have similar interests to the products you are selling, and you’ll be able to build up a huge fan base you can later convert into paying customers.

Remember, this is step number one.

Most people are not going to be willing to whip out their credit cards and purchase a product from you (even if it is something they are interested in) based on one ad.

That is where step two becomes extremely important.

2. Optimize the visuals and copy of your ad

Okay, so you’ve targeted the proper leads, and your ads will be viewed by all the right people.

Now what?

Now, it’s time to get in touch with your inner Picasso and create some amazing ads that people actually want to click on.

But how in the world do you do this?

There are a few key steps to remember whenever you are creating ads on any platform.

Step 1: Be interesting

The worst thing you can do whenever you are creating an ad is to be generic.

It doesn’t matter whether you are sparking controversy or being a little bit edgy as long as people remember you.

Remember “St. Rooney,” the Nike ad portraying a recuperated Wayne Rooney with a blood-red cross on his chest?

image00

Source: TopTenz

It’s hard to forget.

I can’t speak to your niche, but find a way to set yourself apart from the competition through unique ads, and you will start converting like crazy.

Step 2: Spark emotion

The next important thing to remember when you are creating your Facebook ads is that people are emotional creatures, not logical ones.

  • Instead of focusing on data and logistics, focus on emotion.
  • Tell people about the benefits they are going to receive.
  • Tell them about how your product or service will change their lives.
  • Find the pain point they are struggling with, and press on it until they are willing to fork out the money to buy whatever you are selling.

Another point to remember with regards to sparking emotion is that people relate more strongly to human faces than they do to any other image.

image05

Instead of using landscapes or product pictures in your ad, use images that contain facial expressions conveying the emotion you are trying to evoke.

Step 3: Master color psychology

The third and final thing that can completely transform the conversion rates of your ads is the colors you use.

Due to evolutionary psychology, people associate certain colors with certain emotions.

Red grabs our attention.

Blue instills trust and a sense of calm.

Do some research into how different colors affect the human brain, and use that knowledge to make the human brain work for you instead of against you.

3. Create a valuable and compelling lead magnet

How do you feel about bribery?

Well, I hope you can come to terms with it because a lead magnet is basically an ethical bribe designed to help you compile a list of contacts.

When you are crafting a lead magnet, the goal is to “bribe” your potential customers, offering them something of value in exchange for their emails or some other contact method.

This will allow you to build up a huge list of leads who are interested in buying your product or service in the future.

The biggest key to remember whenever you are crafting your lead magnet is that this is the first “sample” of your work your leads are receiving.

It doesn’t matter if you have amazing products or services.

If your lead magnet is low quality, people will judge your business accordingly.

This means it’s absolutely essential that you craft a kick-ass lead magnet.

I don’t mean something good.

I mean something that you could charge $100 or more for in good conscience.

Some of the most common lead magnets are:

  • E-books or articles
  • Video training
  • Email series
  • Free tools

The format you choose for your lead magnet is up to you. But make sure you base your decision on your audience.

For example, if you have a huge YouTube following, you’ll want to opt for a video training series.

But if you have a huge blog following with massive amounts of engagement, writing a killer e-book is probably the way forward.

4. Create a killer landing page

Even though this is not technically a part of your Facebook ads, it’s still one of the most essential parts of generating a high conversion rate.

Your landing page is the difference between a Facebook ad that generates thousands of clicks and a Facebook ad that generates thousands of sales.

Creating a landing page that converts is not easy. But it is essential to Facebook ad mastery. Besides, nothing good ever comes easy, right?

How do you go about creating a high converting landing page for your Facebook ads? By mastering the essentials.

Essential 1: The heading

Let me tell you something you already know.

People have an attention span of approximately 9 seconds (no, really).

image04

Source: Confessions of a Procrastinator

There are so many distractions in the modern world that people rarely have the attention to actually sit back and read a landing page.

Even if the product could change their lives, they, most likely, won’t be willing to dedicate any part of their day to your page—unless you give them a reason to.

This is where headlines come in. The first step to writing masterful landing pages is to write masterful headlines.

Your headlines need to grab your audience’s attention.

They need to spark interest, explain the benefits of your product, and tell them exactly what you are selling.

All within a few short words.

Easy, right?

When writing headlines, you want to keep things as simple as possible while still grabbing people’s attention and explaining your product sufficiently.

Here are some great examples to get your creative juices flowing.

“Where startups learn to convert like mofos” – CopyBlogger

“Create professional client proposals in minutes” – Bidsketch

“The astonishing power of eye tracking technology… Without the high costs” – Crazy Egg

Essential 2: Customer benefits

The next thing you need to focus on with your landing page is clearly explaining the benefits to the customer.

What are they getting out of this transaction?

Your customer does not care about your product. They only care about one thing.

“What’s in it for me?”

That’s it.

If you can effectively answer this question in the body of your landing page, your conversion rates will skyrocket.

Do not focus on the features of your product or service; instead, focus on how those features will change your customer’s life.

For example, making this shift is the difference between copy that reads like this:

“12 video modules explaining the mechanics of exercise physiology”

and this:

“12 life-changing modules on exercise psychology that will help you discover the fitness secrets you need to shred pounds of fat and unlock your genetic potential… in 8 short weeks!”

I don’t know about you, but I am pretty sure I know which bullet point would make me click that “buy now” button.

Essential 3: Build credibility

The third essential part of your landing page is the credibility you build.

What do I mean by this?

People buy from people they trust.

And if a customer has only found you through a lead magnet and a Facebook ad, odds are you haven’t yet built enough trust to convert them into a paying customer.

So, you need to build up your credibility. You can accomplish this in several ways. The first is by “borrowing” credibility from other sources.

image03

For example, if an industry leader endorsed your product, including their profile picture and endorsement on your landing page would massively affect your conversion rate.

Conversely, if you have been endorsed by big brand names like Forbes, Entrepreneur, or Inc, you could include their badge on your landing page to boost your credibility.

And finally, you want to make sure you include lots of in-depth client testimonials.

And I don’t mean testimonials like:

I love Neil’s products. – Greg.

I mean several-hundred-word testimonials that explain what your client’s life was like before they found your product/service, and what it’s like now.

If you can accumulate enough genuine testimonials, you will instantly be able to build trust and rapport and sell your products with ease.

4. Track, track, and then track some more

Now that you’ve gotten in touch with your inner fur-coat-wearing pimp, it’s time to get in touch with you inner mountain man (or woman).

image06

Once you have completed the above four steps, the final—and most essential—key is to track your progress.

You need to know exactly what’s working and what’s not.

This means you need to set up individual landing pages with tracking pixels so that you can see exactly which ads are generating clicks and which landing pages are resulting in conversions.

You need to track everything you can.

Try out ads with different copy, different colors, targeted at different demographics, and offering different lead magnets.

Once you have discovered which elements result in the highest performance, you can further optimize your ads for conversions.

One important thing to remember is that you need to make sure you run your ads for a sufficient amount of time before you make any changes.

I recommend that any time you make a change to your ads, you run them for at least a month before looking at the data.

This will give you a big enough sample size to properly determine what changes are actually making a difference.

Conclusion

Now, you have it—the step-by-step process to absolutely pimp out your Facebook ads and generate more conversions than you ever thought possible.

This process is not easy.

It will take time; it will take work; and it will take a lot of testing.

But it will be worth it.

If you can create Facebook ads that convert, your income potential is unlimited.

Unlimited enough that you might actually be able to afford a real fur coat for all your ad pimping, if you’re into that kind of thing.

What is your favorite tip for creating pimpin’ Facebook ads?



Source Quick Sprout http://ift.tt/2cC9TjI

3.2 million people use Current Account Switching Service in first three years

Over 3.2 million people have moved bank accounts via the Current Account Switching Service (Cass), which launched three years ago today to encourage more people to shop around for better value current accounts.

Over 3.2 million people have moved bank accounts via the Current Account Switching Service (Cass), which launched three years ago today to encourage more people to shop around for better value current accounts.

read more



Source Moneywise http://ift.tt/2cCvTMS

Eight Strategies We Use for Making Leftovers Great (and Saving Lots of Money in the Process)

Leftovers. You make a meal, your family eats it, and some of it is left behind. Quite often, it’s not nearly as good the second time around, but throwing it away seems wasteful as well. Maybe you just eat a substandard lunch the next day, or perhaps you stuff it in the fridge and forget about it until it’s scary and needs to be tossed.

None of those outcomes are really appealing, are they? Leftovers are kind of the poster child of “depressing frugality,” as it’s a way that people choose something inherently less appealing in order to save a few bucks.

My perspective is a little different. For me, leftovers are a way to save money, sure, but they don’t have to be less appealing or “depressing.” If you use just a bit of advance planning, leftovers turn out to be really good – often as good or better than the original meal.

Here are some of the strategies I use to get a ton of value out of leftovers.

We often intentionally choose meals that make good leftovers.

Chili. Lasagna. Homemade pizza. Shepherd’s pie. Baked mac and cheese. Skillet ragu. Vegetable (or beef) barley soup. All of those are dishes that I prefer when they’re reheated. I love cold pizza, for instance, and I can also reheat it in a skillet with a pinch of water to make the crust really crispy. Reheated chili is just amazing. A big slab of reheated lasagna features flavor melding in a way that just surpasses the original.

Writing that paragraph made me want to intentionally eat some leftovers.

So, during our meal planning, we make it a point to feature leftover-friendly meals. That way, we’re not disappointed to find some leftover baked mac and cheese in the fridge, for example.

We lightly season our side vegetables until they’re on our plate.

Most of the time, we simply steam vegetables to serve as a side dish. We serve them largely plain to our family, then personally season them on the table with additional salt and pepper or with a sauce of some kind.

That way, the leftover vegetables are completely unseasoned and are thus very flexible with whatever you might want to do. You can season them differently for future uses.

Trust me, this is important, and it’s heavily connected to another tip on this list.

We avoid using the microwave for leftovers.

I genuinely believe that the microwave oven is a big reason for the bad reputation for leftovers. Aside from soups, microwaves generally do a disastrous job on leftover foods, breaking down their texture and leaving them mushy.

That’s why I rarely use the microwave for leftovers.

If I have a leftover casserole, like a lasagna, I’ll reheat all of it in the oven. If I have leftover pizza that I want to heat, I’ll reheat it in a covered skillet with a few drops of water in it (this makes the crust wonderful). If I have a leftover skillet meal, I’ll heat it again in a skillet.

You’d be surprised how much better leftovers can be if you keep them out of the microwave oven.

We use lots of additional flavorings.

We regularly have a “leftover buffet” night where we simply take all of the leftovers out of the fridge, heat them up, and serve them as a buffet line for supper. I’ll be the first to admit that not everything on that “leftover buffet” is mouth watering, but what you’ll find on that buffet are some foods that are really good “leftover” foods and other foods that can be jazzed up with condiments and spices.

So, we make sure to put out plenty of condiments and seasonings on our family “leftover buffet.” We put a pepper grinder, a salt shaker, a bottle of ketchup, a bottle of mustard, and some sriracha sauce out for everyone to use.

Condiments and seasonings can really go a long way toward improving the flavor of leftovers, taking something fairly bland and making it quite delicious.

We add a little bit of water when reheating things.

No matter what method we use to reheat something, we add a little bit of water during the reheating process (unless it’s soup, of course).

If we reheat something in the microwave, we’ll put a damp paper towel in the microwave along with the food, which adds moisture to the environment and keeps the food from drying out. If we reheat something in a skillet, we’ll add a few drops of water to the skillet before we add the food. If we reheat something in the oven, we’ll put just a bit of water on the baking tray before we add the food.

This just strictly improves the texture of almost anything you might reheat. It makes the texture of the food much more palatable, without the weird overly dry parts.

We turn leftover pasta into a casserole.

Whenever we have leftover pasta, we avoid putting it in the microwave or even onto the stovetop. Instead, we find an appropriate baking pan – an 8″ by 8″ or a 9″ by 13″ depending on how much we have. We’ll put a bit of olive oil in it to avoid sticking, put the leftovers into the pan and spread them out, and then add just a little bit of water. We’ll also usually put a little bit of cheese on top and then put aluminum foil on top of the pan and bake it at 350 F for, say, fifteen or twenty minutes until everything is warm.

Almost every pasta turns into a pretty solid casserole this way. In fact, because we know we’re making this “leftover pasta casserole,” we’ll often make a fairly large batch of pasta when we’re originally cooking the pasta.

We use leftover breads and tortillas in the skillet.

Whenever we have some extra bread or extra tortillas, we turn them into sandwiches or quesadillas. However, the bread/tortillas are often dry and a bit old, so we get around that by putting a bit of olive oil or butter on the outside of them, putting some fillings inside of them – cheese, leftover sauteed onions, tomatoes, whatever – and then cooking them in a skillet with a nice pinch of water until each side is gently browned.

This can easily transform bread that’s getting close to being tossed into a pretty tasty lunch. The olive oil or butter plus the water turns the overly hard bread into something that’s nicely crispy and the fillings make the whole thing delicious.

We use leftovers to make stock.

Whenever we have unseasoned vegetables or meat scraps (such as beef bones or chicken bones), we save them in a gallon bag in the freezer. When that bag fills up, we’ll dump the bag’s contents into our slow cooker, fill it most of the way with water, and add some appropriate seasonings – usually a handful of peppercorns, some salt, and a few other odds and ends.

Then, we just let it cook all day on low. In the evening, we strain the contents of the slow cooker, saving the liquid, and we put that liquid in the freezer in quart-sized containers.

That liquid is wonderfully useful as the basis for future soups and casseroles. Whenever we make a soup and we have stock in the freezer, we use that stock as part of – or all of – the liquid for the soup. It adds an incredible amount of flavor and character to the soup.

To me, you’re hitting a frugal home run when you use stock made from leftover vegetables to make, say, a vegetable barley soup, which itself makes for tremendous leftovers. You’re getting so much value and use out of the food and all of it is delicious!

Final Thoughts

Leftovers might seem like an unappealing option at times, but the truth is that if you make some smart choices and put a little bit of care into your leftovers, they can be as good as or even better than “first run” food.

Considering that leftovers would otherwise be tossed, using leftovers to make a great meal is a great way to trim your food budget.

The post Eight Strategies We Use for Making Leftovers Great (and Saving Lots of Money in the Process) appeared first on The Simple Dollar.



Source The Simple Dollar http://ift.tt/2csjfgT

Aiming for Your Dream Job? Here’s How an Informational Interview Can Help

If you’ve ever talked with a career counselor or Googled “how to find a job,” you’ve probably been told to get out and do some informational interviews.

And if you’re anything like me, you’ve promptly cringed at the suggestion.

So what is an informational interview? Basically, it’s a short meeting with a person already well established in their field.

By getting together with the person, you have a chance to pick their brain about breaking into the industry, planning the next step in your career and understanding the future of the field.

The individual in the field can give you the ‘inside scoop’ about what the field is really like and provide helpful insider tips you might not otherwise get,” says Katharine Brooks, executive director of the office of personal and career development at Wake Forest University and author of You Majored in What? Mapping Your Path from Chaos to Career.”

While informational interviews are great for younger workers fresh out of school, they can also be useful if you’re changing careers or heading in a different professional direction.

Like most forms of networking, informational interviews can be intimidating. Maybe you don’t know what to ask about. Or you dread asking for someone else’s time or coming across as fake or self-interested.

Whatever your hesitation, informational interviews are effective. Some research finds one in 12 informational interviews result in a job offer.

If that’s the case, sign me up.

So how do you decide who to ask? What are the secrets to setting up an interview? And what do you ask once you’re in the room? That’s what we’re about to find out.

Step 1: Finding a Good Fit

Informational interview

caimacanul/Getty Images

So you want to do an informational interview. Now what?

You’ve got to find someone to interview. And if that someone isn’t a good fit, you’re wasting their time and yours.

Be sure the person you ask is in a position to answer questions you actually have about the field. Don’t just set up interviews for the sake of having them. This is a sure path to making a poor impression without actually obtaining any useful information.

You’ll have the most luck approaching people you have connections with, even if it’s a few steps removed. Think: your aunt’s neighbor who works in your field or your professor’s college roommate.

People are generally happy to make introductions. You might also consider putting the word out on Facebook, or asking family member with a large network to see if anyone knows someone with a connection to your field.  

When seeking people out, you might also have more success asking middle-level folks, rather than going straight to the top.

For example, you’re more likely to get some time with the marketing manager than the CEO. And the marketing manager probably has more recent experience with the type of job you’re trying to learn more about.

LinkedIn can also be helpful in showing who’s connected to you and how. Each company’s page shows your connections to employees in the company. If you uncover a connection, consider sending a note to the person in your network, asking if they’d feel comfortable introducing you.

Step 2: Asking for the Interview

Many people are more than willing to meet with someone new to the field. However, the people you want to interview are also likely among the busiest.

So you’ve got to make your request concise and explain why you want to speak with that person specifically.

Are you interested in their area of expertise? Did you read (and enjoy) something they published? Does their career trajectory intrigue you?

Tailor your introductory email to each recipient. If you’re copying and pasting the same note to multiple people, you’re doing it wrong. Start with a solid sample email and adjust it from there.

You should offer to accommodate the senior person’s schedule. Generally, a short coffee meeting is a good offer (and you should plan to pay). Or they might ask you to drop by their office.  

You may get a response along the lines of, “Unfortunately, I don’t have the time in my schedule to meet in person. However, I’m happy to answer a few questions over email.”

What now? For starters, don’t ghost them.

Send over a few thoughtful questions that will help you get the information you’re after. If you never reply, it will be clear you weren’t actually interested in learning from them and it could damage the connection.

Step 3: Deciding on Your Questions

Informational interview

chote99/Getty Images

So what should you ask about? You better figure it out, because the onus is on you to steer the conversation.

Don’t show up and expect the more senior person to carry the meeting.

Having been interviewed a time or two myself, I can tell you the most frustrating aspect of these meetings is an unprepared interviewer,” says The Muse’s Jennifer Winter.

Here are a few questions you might include:

  • What does a typical day at work look like?
  • What’s the hardest part of your job?
  • What’s your favorite aspect of your job?
  • How is your job at this company different from what you did at your last company?
  • Where is the field as a whole going?
  • What do you think job will look like in 10 years?

You can find lists of sample questions across the internet, but be sure you’re showing up with questions you actually want answered. Edit your questions based on your own knowledge gaps and things you’re concerned about, as well as skills you might want to develop.

Step 4: Going to the Meeting

Okay, it’s meeting time. Treat it like a formal interview — dress appropriately, arrive slightly early and conduct yourself professionally. However, don’t approach this meeting intending to land a job offer.

Yes, informational interviews can lead to later job offers. However, that’s for the more senior person to instigate (and it usually happens down the road).

If you do get an informational interview, do not under any circumstances use it to pitch that person on hiring you,” says management consultant Alison Green. “Misrepresenting your reasons for meeting with someone is not a good way to get a job,”

Your meeting is not going to be productive for either of you if the person senses you’re there to ask for a job, rather than seek information.

Ask your questions genuinely. Listen, take notes and ask follow-up questions. Remember to direct the conversation, but adjust your approach based on the other person.

If they seem especially adamant about the importance of one aspect of the field, ask more about it. If they shrug off your more abstract questions or seem baffled at how to answer, stick with more concrete, day-to-day queries.

Step 5: Wrapping It Up

Informational interview

LIVINUS

As your time grows short, wrap things up on time.

Don’t overstay your welcome,” says New York Times career columnist Marci Alboher. “It’s always better to signal the meeting is ending and let the other person say he or she is open to continuing the discussion.”

You want to show that you value the person’s time. Keep it short, and thank them for speaking with you.

Send a thank-you email after the interview. Be specific about information you covered and re-emphasize your appreciation for their advice.

Again, don’t ask for a job. If the person has an opportunity in the future, they know you’re interested.

Now, you might think that’s the end. But keep your eyes open for opportunities to connect with the person in the future.

Watch for articles related to their areas of interest, which you can occasionally email them. Include a short note about why the article might be of interest. When you attend industry events, skim the guest list in advance to see who you might know and want to connect with.

If all of this sounds like networking, that’s because it is. But, for me, networking isn’t so bad when you reframe it as making and nurturing professional friendships.

Your Turn: Have you ever set up an informational interview?

Lyndsee Simpson is an editor and writer living in Washington, D.C.

The post Aiming for Your Dream Job? Here’s How an Informational Interview Can Help appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2cBYhxd

15 Delicious Dorm Room Recipes That Cost Less Than $5 — and Aren’t Ramen

Maybe you’re a first-year student who can’t wait to finally get out of your parents’ house.

Or maybe you’re a senior, wearily counting down the days to graduation — and, yes, maybe even missing rooming with mom and dad. Dorm life is great and all, but it would be cool to have some actual privacy once in awhile.

Either way, a college student’s gotta eat. And trust me, after a couple of months, that meal plan situation gets old. Yes, even if the lady at the omelette station is really, really nice.

Your College Diet Doesn’t Have to Be Awful… or Expensive

How to save money in college

Dana Merrick under Creative Commons

College towns are usually awash with super-cute places to eat, drink and spend every last cent of the loan money you took out for things like textbooks and laptop upgrades (and which, spoiler alert, you’re going to have to pay back pretty soon).

You’re probably going to spend some money on those kinds of places — you do need some sort of social life, after all — but you stand to save a huge chunk of cash, both in college and “the real world,” if you learn to cook.

And no, your humble dorm room living status is no excuse.

How to Save Money in College — By Eating in Your Dorm

How to save money in college

English106 under Creative Commons

To help you start acquiring this way-more-useful-than-calculus skill, we’ve assembled 16 recipes perfect for college students, no matter what you’re in the mood for. Because, let’s be real — you’re as likely to need food at 4 a.m. as you are at dinner time.

For the purposes of this post, we’ll assume you have access to a microwave and a mini-fridge only.

Well, and a mug. As you’ll soon see, mugs feature prominently in dorm-room-friendly recipes for one.

The microwave is also a surprisingly versatile culinary tool. You can even poach an egg, steam vegetables or cook grains like quinoa in your microwave.

You can make each meal on the list in 10 minutes or a lot less, and each costs $5 or a lot less. Plus, most of the recipes are make a perfect serving size for just one. Talk about convenient!

Oh, and another important qualifier? None of them are ramen. Goodness knows you know that’s an option, and it’s not a terribly good one.

Estimated ingredient prices come from the cheapest easily-Googleable version of each item we could find.

So if you’re frugally grocery shopping and hitting places like Walmart — rather than Whole Foods — they should be fairly accurate no matter where you’re going to school… with a few notable exceptions. I’m looking at you, New York and San Francisco.

Best of all? They all look awesome. As in, seriously, I will make some of these for myself even though my college days are further behind me than I’d like to admit.

Hungry yet? Here’s what we found.

Breakfast

How to save money in college

Samantha Dunscombe – The Penny Hoarder

The best thing about breakfast is you can have it any time of day — especially since you’re on your own and mom’s not around to give you side-eye for your frozen waffle dinner.

With these recipes, you’ll probably never want to hit your dining hall’s breakfast buffet again.

For the purposes of this post, we’ll assume you’re buying conventional eggs, since you’re in college…

… But if you’re wondering what “cage-free” even means or why eggs under that label cost so much, check out our full guide to what the heck all those eggy terms mean, and look forward to affording pasture-raised eggs someday soon!

1. Two-Minute Scrambled Eggs

How to save money in college

Karen under Creative Commons

That’s right: You can have the go-to quick breakfast mom slaps together on the stove at home, even if there’s not a hot plate in sight.

It’s as simple as whipping up a couple eggs and throwing them in the microwave. Yes, really. As Sara writes at Home is Where the Cookies Are, you just “crack ’em, beat ’em, zap ’em, eat ’em.”

Not only is it easy, it’s super cheap:

2 eggs: 30 cents
2 tablespoons milk: 10 cents (based on the pricier pint-sized version, since we’ll assume you can’t fit the more cost-effective gallon in your mini fridge, especially when you totally need room for beer. By the way, the milk is totally optional; if you don’t have any, just beat your eggs extra-well.)
2 tablespoons shredded cheese: 50 cents
Seasoning to taste: 10 cents, as long as you don’t get fresh herbs!

Total price: $1

Wanna get seriously fancy? Microwave your own bacon bowl into existence and then serve yourself eggs in it. Yes, you read that right.

Total price with bacon: $2.43 — but so worth doubling the cost.

2. Microwave Breakfast Cookie in a Mug

How to save money in college

Image from biggerbolderbaking.com

Bigger Bolder Baking’s Gemma brings us this gem (sorry) of a recipe.

It’s a cookie. For breakfast. Because you’re an adult now, and you get to make that decision if you want to.

Plus, it’s pretty healthy — and cost-effective:

1/2 medium banana: 10 cents (based on Trader Joe’s 19-cent single bananas)
1 1/2 tablespoons peanut butter: 9 cents
1/2 tablespoon honey (or agave): 20 cents
1 tablespoon milk: 5 cents
4 tablespoons oats (rolled or quick oats): 44 cents
1 tablespoon raisins (seeds or nuts): 20 cents (or more, if you choose nuts or fancier dried fruit)

Total price: $1.08

3. Two-Minute French Toast in a Cup

How to save money in college

Samantha Dunscombe – The Penny Hoarder

Most important thing you’ll learn today, no matter what classes you’ve got: You can make French toast.

In a cup.

Even better? Other than a few necessary dairy products, all you need is bread — and you can use “whatever you have on hand,” according to Pretty Prudent’s Jaime.

“I prefer my French toast soft-ish,” she writes, “but if you like a little crunch go for a baguette. It truly does not matter. An old croissant. A nutty multigrain. A pile of tortillas might even work.”

So what are you waiting for? Cost certainly shouldn’t be a factor:

1-2 slices white bread (or whatever you have around): 10-25 cents
1/2 tablespoon butter: 6 cents
1 egg: 15 cents
2 tablespoons milk: 5 cents
Sprinkle of cinnamon (optional): 2 cents
Drop of vanilla extract (optional): 3 cents

Total price: 41-87 cents

With a price that low, you have tons of money leftover to splurge on delicious maple syrup to drench it in. Mmm.

4. Spinach and Cheddar Quiche in a Mug

How to save money in college

Samantha Dunscombe – The Penny Hoarder

I. Love. Quiche.

I mean, to be completely honest, who doesn’t love quiche? It’s an egg pie, and although it’s more breakfast than lunch, it’s completely acceptable any time of day.

If you don’t have the exact ingredients Bowl of Delicious’s Elizabeth calls for, sub in any veggie or meat you can get your hands on — yes, the stuff you smuggle from the cafeteria counts.

1/2 cup chopped frozen spinach, thawed, drained (or 1/2 cup packed fresh spinach): 50 cents
1 egg: 15 cents
⅓ cup milk: 15 cents
⅓ cup shredded cheddar cheese: $1.25
1 slice cooked bacon, chopped (optional): 40 cents
Salt and pepper to taste: 1 cent

Total price: $2.46

Seriously, quiche is so versatile. Here’s Full Thyme Student’s mug quiche, complete with bread crust and grape tomatoes and still costs just over a buck if you skip the fresh herbs. Yum!

5. Avocado Toast, You Guys

How to save money in college

pacificbro under Creative Commons

If you’ve been within 10 feet of any Instagram account on the planet, you probably know avocado toast is *so in* right now.

And why not? Creamy avocado on crunchy toast, and with endless possibilities for further toppings? We’re pretty much talking about the perfect food, here.

Also, it’s cheap. Let’s start with the basics:

1 slice good bread: 20 cents, tops
1/2 hass avocado: 75 cents

Then, you’ve got your topping options: You might add an egg (15 cents), some shredded cheese: (about 25 cents per tablespoon), some salsa (about 22 cents per ounce). The base recipe is less than a dollar, so feel free to go nuts on your toppings. Fresh veggies! BACON!

Total price: 95 cents or more… but it would take a lot of doing to make a $5 piece of avocado toast.

Technically, this list item breaks the microwave rule because it’s likely someone on your dorm floor has a toaster. Even if not, they’re cheap… usually, anyway. But apparently some folks will pay $320 for a really, really good one.

Lunch and Dinner

Feeling egged out, for once? These meals will satisfy cravings you might otherwise end up splurging on — any time of day.

6. Pizza Mug Cake

How to save money in college

Samantha Dunscombe – The Penny Hoarder

So, this is a thing.

Fitness Treats has a great list of savory mug cakes, and pizza is on the list. And now I’m going to allow myself to eat pizza basically every day forever.

3 tablespoons kamut flour: 33 cents (but you could probably use regular all-purpose flour, which would bring this down to just 7 cents)
1 egg: 15 cents

1 tablespoon olive oil: 13 cents
1 tablespoon tomato paste: 10 cents
1 tablespoon black olives: 50 cents
1 tablespoon mozzarella: 25 cents

1/4 teaspoon baking powder: 1 cent
Basil and oregano to taste: optional, but if dried, not more than 25 cents

Cost per mug: $1.72

Cheap, healthy pizza always within reach? I didn’t even know college got this good.

7. Mug Mac and Cheese

How to save money in college

Image from madebymonique.com

So you may be wondering — what’s the point? Has the author never encountered the ubiquitous blue box, with a college campus presence eclipsed only by red Solo cups?

She has. And she says: You can do better, college students. And it won’t cost much more.

Made by Monique assembles this super-simple recipe to seriously upgrade your mac and cheese experience.

1 cup water: $0
1/2 cup elbow macaroni: 31 cents
1/2 cup cheeses of choice: $2.00

Total cost: $2.31

Kraft mac and cheese is about 90 cents per serving, so this is definitely a step up… but trust me, your taste buds will thank you!

8. Five-Minute Vegetarian Burrito Bowl

How to save money in college

Image from healthy-liv.com

Healthy Liv’s got the right idea about skipping the line — and the price tag — at Chipotle with this make-at-home burrito bowl.

Play your cards right, and the whole meal will cost only a little more than what you’d pay for your side of guacamole.

1 cup brown rice: $1.06 — if you use the frozen, pre-cooked Trader Joe’s brown rice from as Liv suggests. You can also make regular (much cheaper) brown rice in the microwave, although it’ll take significantly longer than five minutes — try 30! Then again, one of the best parts of living in a dorm is that you’re not paying your own electricity yet, so…
1/2 cup black beans: 58 cents
2-3 tablespoons salsa, or to taste: 22 cents
1 tablespoon plain Greek yogurt: 9 cents — or sub sour cream for 7 cents
1 tablespoon shredded cheddar or Mexican-blend cheese: 25 cents
Diced avocado (optional): $1.25 for a WHOLE avocado

Total price: $3.45 — better than the $8-$10 I somehow always end up paying at everyone’s favorite burrito joint!

Sides and Snacks

Need a quick holdover between big meals? Just craving mashed potatoes? This is the section for you.

9. Corn Mug Muffins

How to save money in college

Steve Johnson under Creative Commons

You know what’s comforting when you’re facing finals week? Heck, you know what’s comforting when you’re facing down the fact Monday keeps happening no matter what you do?

Corn bread. Corn bread fixes a lot of problems. And you can whip some up fresh in no time flat.

Cooking spray: 3 cents
1 package corn muffin mix: $1.97
3 to 4 pickled jalapeño rings: 5 cents
4 microwavable pre-cooked frozen sausages (optional): $1.99
maple syrup to taste: 13 cents

Total price: $4.13, or $2.06 per serving — and less if you keep it vegetarian

10. Spinach and Feta Mashed Potatoes

How to save money in college

Image from budgetbytes.com

Basically, the fact you can cook potatoes in the microwave is a serious college game-changer.

You could conceivably just cook your potatoes in the microwave and mash them up with whatever you have around, but we’d be remiss not to mention Beth at Budget Bytes’s scrumptious-looking spinach and feta iteration.

I mean, she even priced it all out already — how much happier can a Penny Hoarder get?

2 to 2 1/2 lbs. russet potatoes: $1.85
3 tablespoon butter: 27 cents
1/4 teaspoon garlic powder: 2 cents
1/2 teaspoon salt: 3 cents
freshly cracked pepper: 5 cents
1/4 cup milk: 11 cents
2 cups (packed) fresh spinach: $1.34
2 ounces crumbled feta: $1.12

Total post: $4.79, or 80 cents per serving

11. Loaded Baked Potato

How to save money in college

Samantha Dunscombe – The Penny Hoarder

No recipe needed for this college classic. Just microwave your potato, grab your favorite fillings and go. Here’s what I’d do:

Large russet potato: 38 cents if you go ahead and buy a 5-pound bag — and why not?
1/2 tablespoon olive oil: 7 cents
1 tablespoon butter: 16 cents
3 tablespoons shredded cheese of choice: 75 cents
1 tablespoon sour cream: 7 cents
sea salt: 5 cents
pepper: 5 cents

Total price: $1.53

Other options: bacon (about 45 cents per slice), canned chili (about 14 cents per ounce), salsa (about 22 cents per ounce). Your imagination is the only limit to how you prepare this starchy treat.

12. Microwave Kale Chips

How to save money in college

You As A Machine under Creative Commons

“Cheap” and “healthy” don’t have to be mutually exclusive. And kale chips are one of the very tastiest ways to get this superfood into your system.

Andrea at Five Months Fat brings this super-simple and delicious recipe for kale chips to the table — and you can make them in the microwave! What?

1 bunch kale: $2.49
1-2 tablespoon olive oil: 13-26 cents
sea salt: 5 cents

Total price: $2.67-$2.80 for an amount you’ll totally want to share with a friend

Plus, you could add whatever other seasonings strike your fancy — dried spices last way longer than the expiration date would have you believe, and you get a ton of use out of that $3-$4 bottle!

You could also microwave potato chips for about the same price or slightly cheaper — but without a mandolin, kale’s easier and healthier, so you have no excuse!

Desserts

Sometimes, you’ve gotta let your sweet tooth win… especially when you’re studying.

But before you rush out to the obligatory Ben & Jerry’s on every single college campus, take a look at these recipes. Not only are they healthier than a creamy over-the-counter treat, they’re way cheaper for the amount you’ll get.

13. Overnight Chocolate Chia Seed Pudding

How to save money in college

Image from minimalistbaker.com

Although this one takes a little forethought, it looks delicious — and crazy good for you!

Dana at Minimalist Baker concocted this yummy-looking chocolate chia seed pudding, and all you need to make it is a refrigerator, some containers and a decent chunk of time.

Plus, the recipe makes four servings, so you can feed your suitemates, too. Check it out!

1 1/2 cups unsweetened almond milk: 71 cents
1/3 cup chia seeds: 83 cents
1/4 cup cacao or unsweetened cocoa powder: 75 cents
2-5 tablespoons maple syrup: 26-65 cents
1/2 tsp ground cinnamon (optional): 5 cents
1/4 tsp sea salt: 3 cents
1/2 tsp vanilla extract (optional): 7 cents

Total price: $2.70-$3.09, or 68-77 cents per serving

14. Cheesecake in a Mug

How to save money in college

Image from hungrylittlegirl.com

Let me come clean: Cheesecake is my favorite non-ice cream dessert, and a cobbled-together, microwave version of this immaculate confection makes me… nervous.

But Jutta’s Hungry Little Girl recipe is compelling — and cheap enough for even a cheesecake purist to at least try out.

2 tablespoons confectioners sugar: 8 cents
2 tablespoons sour cream: 14 cents
3 tablespoons cream cheese: 60 cents
1/8 teaspoon lemon juice: 10 cents
1/4 teaspoon vanilla extract: 3 cents
1/2 egg: 8 cents
Mix-in of your choice (if desired): Up to you, but it’d be hard to spend more than $1 worth of mix-ins in a single mug!
1 vanilla wafer: 3 cents

Total price: $1.06, plus mix-ins

15. Healthier Chocolate Mug Cake

How to save money in college

Image from lacreativitedelafille.blogspot.com

The one single-serving food I’ve been familiar with almost forever is the chocolate mug cake. It’s perfect for those moments when you’re desperate for something dense and chocolatey, but don’t have time to run to the store.

But I’m excited to try this healthier version from Sophie, which calls for plain yogurt and whole wheat flour to lighten up the recipe.

2 tablespoons whole wheat flour: 7 cents
2 tablespoons granulated sugar: 3 cents
1 1/2 tablespoons unsweetened cocoa powder: 28 cents
pinch of baking powder: 1 cent
1/4 tsp. vanilla: 3 cent
3 tbsp. plain yogurt: 18 cents

Total price: 60 cents

That’s one affordable sweet-tooth satisfier!

More Ways to Save on College Eats

Although these recipes are sure to keep you busy and full for a while, you can’t eat everything out of a mug.

If you’ve got access to a real kitchen, all the better — you’ve got endless opportunities for good, cheap eats!

And if you’ve just got to go out to eat (and drink), you can still be a savvy spender. Here are 25 ways to save money eating out — and 21 ways to actually make money next time you head to the bar.

Cheers — and bon appetite!

Your Turn: Which of these recipes are you going to go make RIGHT NOW?

Disclosure: A toast to savings! Thanks for allowing us to place affiliate links in this post.

Jamie Cattanach is a staff writer at The Penny Hoarder. Her writing has also been featured at The Write Life, Word Riot, Nashville Review and elsewhere. Find @JamieCattanach on Twitter to wave hello.

The post 15 Delicious Dorm Room Recipes That Cost Less Than $5 — and Aren’t Ramen appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/2ciYsyt