Thousands of courses for $10 728x90

الثلاثاء، 26 نوفمبر 2019

Surviving Modern Life and Financial Success

I want to throw a selection of interesting stories at you, all at once.

The average human is lonelier today than at any point in recent human history, and loneliness has hugely negative health and psychological effects. Here’s a good summary of those studies.

Humans are reporting record levels of personal stress around the world, and Americans are among the most stressed of all. Continuous daily stress has a negative effect on mood and a negative effect on health, and we’re all feeling it.

Maintaining a work-life balance is harder than ever, gobbling up other areas of our life in the process.

All of this together creates kind of a bleak picture, doesn’t it? Here we are, in the most prosperous era of human history by most accounts, and we’re stressed out, lonely and overworked.

I think there are a lot of people out there who yearn for something significantly different in their life. They yearn for deep social connection. They yearn for time to actually enjoy things they’re passionate about. They yearn to have those things without a shroud of personal, financial and professional stress hanging over them.

People want to “have it all.” They want to have a rewarding career. They want to have deep social connections and personal relationships. They want to have time for whatever form of leisure appeals to them. They want to have material trappings in their life. They want to have a strong family life, too.

But the truth is that you can’t have it all.

Here’s the thing: most people start focusing on finances in their life because these elements of stress are getting to them, particularly the work-life balance and the general life stress. Money causes stress, and when you’re working at a job that sucks up your life and you’re barely keeping your head above water, you start to yearn for a change.

I’ve seen that time and time again in the messages I get from readers, and I saw it in my own life, too. I approached our financial turnaround with such vigor because I felt many of those things in my own life. I was stressed out and was giving too much of myself to my job. I yearned for deep social connections but never had the time or energy to really build them. I wanted a better future than that, for me, for my kids, for my wife.

In my mind, financial success was the route to those things, and it’s certainly a helpful tool. However, rather than financial success leading to lower stress and more free time and better social connections, I’ve found along the way that it’s much more of a synergistic thing. While financial success can help you achieve lower stress and more free time and better social connections, doing other things to improve those areas can actually help with financial success, too.

Why? We often use our money to try to combat the short term effects of those problems. We use money to buy short term stress relief. We use money to buy short term loneliness relief. We use money to try to fix that work-life balance, if just for a little bit. We use money to buy things that we think will fix those problems, and they do, for a moment.

As we find other tools, low cost or free tools, for surviving modern life, there’s less of a desire to use our money to fix those problems.

What follows is a toolbox of low cost and free tools that do just that: they help us overcome most of those struggles of modern life without opening our wallets. These are all things that I’ve applied in the last decade of my life, and each and every one has helped me overcome personal loneliness, handle and reduce excessive stress, deflate feelings of being overwhelmed and melancholic, and achieve a much healthier balance between work and other areas of my life.

I’m going to start with some ways to recover some time from your life, so that you don’t find yourself asking “Where can I find the time for this?”

Cut down on your time spent watching television or streaming video.

I’m not suggesting that you eliminate it, but rather I suggest cutting it down to where you’re not browsing for new things to watch, but are rather making selective choices without browsing and just watching those things. Don’t seek out things to watch via channel surfing or browsing through show listings. Rather, if you have something you want to watch, sit down and enjoy that show, but don’t just browse for something else to watch. Get up and do something else or, if you’re too tired to do that, go get some genuine rest.

This is what my television viewing has gradually turned into. I basically watch television in two cases: our weekly family movie night and things that my wife and I hear about (usually through friends, but occasionally NPR or something like that) that we decide to watch together. Other than that, I don’t watch television.

This is an application of the 80/20 principle to television and streaming media. I eventually realized that 80% of the value I got out of watching television came from just 20% of the programs, so I decided to just watch that 20% that gave me value, which was basically just the “appointment viewing” – family movie night and a few selected programs I watch with my wife.

What’s the benefit of doing this? The big one is that it gives me a lot of free time for other things, obviously. Imagine giving yourself back the time that you spent watching forgotten television shows. There are some smaller benefits, too. I don’t really compare myself or my life to people on television any more. I’m a lot less aware of — and care a lot less about — the latest and greatest products. I think I just generally feel better about myself.

Try it for a while. Pick out a few programs you really care about and then just turn the television off when you’re not watching those specific programs. Find other things to do with that time. Do it for thirty days and see how you feel.

Spend less time (ideally almost none) on social media.

At this point, I use social media for two purposes. One is for professional reasons: I get messages from Simple Dollar readers and sometimes communicate with collaborators. The other is communication with a handful of people that I see face to face semi-regularly, as social media is convenient for sharing links and resources with them. Aside from that, my social media time is basically nonexistent. In fact, I’m pretty sure that if it wasn’t for simultaneous professional needs, I would use exactly one social media service, which is my only tool for directly messaging several friends who don’t use cell phones.

Here’s the thing with social media: it cultivates lots of shallow relationships but doesn’t help you build deep ones. Deep ones are built with one-on-one contact, usually face-to-face contact, and it’s the deep ones that are the ones that we yearn for. You can build strong relationships online, but, again, those typically lead to offline interactions over time or else they fade; usually, online connections work best when they facilitate and maintain offline connections.

Furthermore, social media creates a really distorted picture of life. People use social media as the “highlight reel” of their life, not as an accurate picture of their life. It’s easy to fall into a trap of comparing one’s everyday life to the “highlight reel” of someone else’s life and feel deeply inadequate.

Even more than that, social media is filled with marketing. There are ads directly inserted into your feeds, and even some of the “real” content is directly made by companies or is mere product placement. Advertisers have figured out that social media is incredibly useful to get people to become aware of more and more and more products that they should want and buy. I don’t need more and more and more products to want and buy.

My strategy for exiting several social media services was simply to go through my list of followers on there, decide who I actually wanted to keep a connection going with that would likely involve face-to-face interaction in the future, and contact them directly to swap phone numbers for texting or other mechanisms for maintaining contact. The rest? 99% of them probably never realized I left the service.

For those that I did share contact information with, we now communicate via texting, and that’s often done to lead to doing things together face to face, such as coordinating a game night or planning to eat lunch together or to follow up on those things done recently. (Yes, deeper conversations occur over texting, but those are extensions to our face-to-face relationship.)

Try ditching some of your social media services. Keep maybe one or two that give you the most positive value and check out of the rest using the strategy described above.

Understand you can’t have it all, so figure out what you do want.

You can’t have it all.

You can’t simultaneously have a rewarding career, lots of deep social connections and personal relationships, time for every hobby you might want to participate in, tons of material trappings and the time to enjoy them, strong fitness and a strong family life while also maintaining basic life upkeep. There are simply not enough hours in the day to support all of that.

It’s often in the striving to achieve all of that at once that we place ourselves on a treadmill, one that we’re galloping on and wearing ourselves out on just to stay in place, and one where we fall flat on our face as soon as one step is out of alignment.

That’s not healthy. That’s stressful. That’s draining. That usually means you’re doing all of the things in a mediocre way.

The healthy thing to do is to figure out what elements of life you really want and then don’t worry about the rest of them. Keep that number small – two or three things – and make those the central focus, while other things slide off to the side.

I intentionally chose a career path that wouldn’t absorb all of my life. It didn’t earn as much as I could have in other fields, but it’s flexible and gives room to other things. It’s rewarding, but it’s also not all-encompassing, at the cost of a bigger salary.

I intentionally stepped back from hobbies and commitments that weren’t as valuable to me.

This gave me room for other things. I have more strong friendships today than at any point in my life. I have a strong family life. I have a small set of hobbies that I have time to enjoy and really care about.

I don’t “have it all,” and I’m pretty happy with that.

Spend more time interacting meaningfully with people face to face.

Simply spend time with people you care about (or might care about), interacting in meaningful ways with them. This means getting beyond the small talk and having real conversations and doing real-world things together beyond work.

If you don’t know how to do this well … honestly, I don’t either. But I have some recipes that work, and they might help you, too.

Go to social events that seem interesting. You can find these on sites like Meetup or local community websites. Find ones that seem interesting and go to them. Mark them on your calendar and make them a priority.

Go with the intent of engaging with people and getting to know people. I often feel awkward in groups, so my solution is that whenever I feel awkward and don’t know what to say, I ask a question. Please, please read the next section.

If you click with someone and have reason to continue the conversation, swap some contact info and follow up. Shoot them a text or a message after the event saying thanks or simply that you were glad to meet them, and then make a point to go to future meetups to continue the conversation. If there’s reason for follow-up, send that along, too.

Listen.

It is so easy to fall into the trap of just waiting on other people to stop talking so you can express whatever idea you had in your head. When you do that, though, you’re not actually listening to what they’re saying, and if you’re not listening, you’re not connecting.

Listen. Just stop thinking about what you want to say next and listen to what other people are actually saying. Listen to their words, but also pick up on their tone and body movement.

Yeah, this might mean you don’t have something good to say next, but that’s okay. As I noted above, when I don’t know what to say, I just ask a question and listen again. When you have something actually worthwhile to say, the opening for it is usually obvious and you don’t have to think about it. That’s usually because someone asks you a question, or because there’s a lull and you have a good idea in your head.

The key, though, is to listen. When you focus on listening, you learn a lot about people and you feel more connected to them.

Get out of your own head. Stop thinking about what to say next. Listen.

Put yourself out there, even though it might sting sometimes.

Building social connections is hard because it means that you have to put yourself out there a little, and when you do that, it becomes easy for others to reject you. Usually, their rejection isn’t even a conscious thing — they’ll just forget about something or something else will come up — but it can still sting.

It is much easier to simply hole up and let the internet be your communication medium because it’s much harder to really get rejected online. Most of the time, people just scroll by what you said and you don’t feel that unconscious rejection, so it doesn’t sting. However, it’s prohibitively hard to build real connection that way.

What do I mean by “putting yourself out there”? I mean doing things like hosting a dinner party or putting together a game night. I mean raising your hand to volunteer for some task at a local group. I mean simply joining in a conversation. All of those things involve social risk.

The thing is, as long as you’re behaving in a reasonable fashion (not cruel to others and so on), the downside to that social risk is actually really small. It can sting to have people not show up to your dinner party, but it’s a minor sting that fades. The upside is that the rich connection you build with the people who do show up is incredibly valuable.

If you want that connection, you have to put yourself out there, and it will sting sometimes. That’s okay – the sting will fade. Sometimes it might even hurt in a big way, and that’s okay too, because the value of the connections you do build outweigh them over the long run. The value you get out of a good relationship or connection with someone drastically outweighs any pain from it ending.

So, what can you do? When you start feeling a budding social connection with people, put yourself out there a little. Invite them to something reasonable and safe, like a dinner party with several other people or a game night or a movie night or whatever. If they decline or don’t show, it’s not a big deal; however, if they do show, that’s a connection you’re building, and the upside of that is much greater.

You can do the same by volunteering to help with something or even accepting an invite that you might have otherwise skipped. Yes, there’s the potential of a little negative social sting, but you have to take that risk to build anything meaningful, and it’s that meaningful connection that so many of us really strive for today.

Take some basic steps to feel healthier.

The chase for a “perfect life” where we “have it all” often encourages us to take a lot of shortcuts, and one of the easiest shortcuts to take in the modern world is with our health.

The most convenient foods are often grotesquely unhealthy. Exercise is something that’s easy to skip when there are things that feel more urgent. It’s often easy to push sleep into an ever-smaller corner of our life because there are other things we want to do.

The result of all of those moves is poorer health. We simply don’t feel good any more. We’re tired, whether we truly recognize it or not. We’re not eating a good diet, and that leads to all kinds of decline in mood. We’re not exercising and missing out on the energy boosts and endorphins and higher metabolism it provides us.

Take some time for your body. Intentionally choose to eat healthier stuff – a little less drive-thru and a little more home cooking with plenty of vegetables. Get a good night of sleep every night, even if that means going to bed earlier than you’re used to. Get some kind of exercise so that you’re moving around a lot on a daily basis. Go outside and get some sunshine and fresh air each day. Make those things a daily routine. You will feel a whole lot better, and that will make everything else so much easier to handle.

If you want a suggestion that ties several things together…

Go on nature walks, preferably with others.

Go on a walk through the park each day, ideally with a friend. It doesn’t have to be a fast walk or a jog or a run, just a reasonable stroll in a place where nature is abundant. Let a bit of sunlight hit your skin and eyes. Smell the fresh air. Talk to a friend. See and hear nature around you.

It’s amazing how this simple routine can check so many boxes. It’s social and helps build a deepening connection with someone. It gets you outside into the fresh air. It gets you moving around. It puts you in a natural setting, which has been shown to be a natural mood lifter.

Make this a routine. If you don’t have someone to walk with, do it solo.

I go on a walk with my wife in a park near where we live very frequently. We talk and connect and get a bit of exercise and get some fresh air and get some exposure to the green world and we both end up feeling really good.

Unplug with regularity.

My final strategy is to just unplug regularly. Completely turn off your cell phone (and put it in another room, ideally) and all of the screens in your life and do something that doesn’t involve a screen. It doesn’t really matter what it is that you do, as long as it’s unplugged.

The reality is that you won’t miss anything important during that unplugged time, at least not the vast, vast majority of the time. What you will find is some solace, a sense of being in your own skin that’s sometimes really hard to find in the modern world. You don’t feel obligated or tethered to anything, and that’s incredibly freeing.

I find myself unplugging for longer and longer periods, to the point that I’m going to do some multi-day unplugs in the near future. It forces me away from the constant distraction of electronic devices and makes me focus on the real people and the real things that are around me, and that’s incredibly fulfilling.

This weekend, spend one day completely without electronic devices. Don’t turn your cell phone on or the television on for the whole day. Find other things to do. Make a great dinner for your family out of a recipe in a cookbook. Go on a long walk. Draw a picture. Dig deep into a hobby that you haven’t explored in a while. Have an impromptu game night – schedule it the night before by sending out enough invites that you’ll be stocked to the brim, but tell them that you’ll be without your phone for most of tomorrow and to just show up at 6. Find things to do that are without digital tethers.

You’ll be so glad you did, and maybe you’ll make it into a routine.

You don’t have to spend money to feel fulfilled in modern life.

You already have everything you need to be fulfilled. In fact, fulfillment in modern life is often done through subtraction, not addition. Watch less television. Spend less time online. Unplug for a day.

Then, use that time to make yourself feel better. Eat a good healthy meal. Get some exercise. Go outside. Get some sleep. Delve into a hobby.

Use that time, also, to build real connections with people. Go to a community social event, or host one for your friends. When talking to people, listen, ask questions, and then follow up with them. Don’t let them down because it’s easy or because you’re afraid to put yourself out there. Take a little social risk, even if it might sting.

That’s how you build the life that so many of us yearn for. You don’t build a low-stress life with meaningful connections by trying to “have it all.” You’ll never get there. You also won’t get it by throwing money at the problem. You’ll never get there that way, either.

The steps are simple, and they’re right in line with healthy financial progress, too.

Good luck.

The post Surviving Modern Life and Financial Success appeared first on The Simple Dollar.



Source The Simple Dollar https://ift.tt/2KVkSH9

13 Online Jobs for College Students That Pay More Than $15/Hour

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

Working through college is a good way to offset the high costs of school.

But it can be tough to find a decent-paying job you can balance with classes and extracurriculars.

Instead, look into legitimate ways to make money online for a more flexible source of income.

For a regular paycheck and work-at-home schedule, check out these 13 online jobs for college students.

1. Social Media Manager

Starting Pay: $15-$40/hour

Managing a company’s social media accounts can be a fun way to make money on a flexible schedule. It’s also a cool way to connect with businesses you love.

A social media manager serves as the voice and face of a business on a number of engagement platforms. You’ll promote deals and content and interact with followers.

How to Get Started

You could post your resume on random job boards, but it’s better to contact local companies directly. Better yet, connect with a business you already patronize.

Focus on social platforms you love and know inside out to boost your pay. If you’re a Twitter fiend, talk up your experience. If you spend all your free time on Pinterest, put your pinning skills to use.

Then, get creative: Outline a plan to connect with customers via Snapchat or Instagram. Smaller companies might not have thought about exploring these platforms, making you an integral part of the team.

2. Online Tutor

Pay: $13-$20/hour or more

Take your academic strengths and knowledge online to start your own tutoring business.

Offer peer tutoring for fellow college students or connect with K-12 students in home-school programs.

And it’s not just academic: Focus on your extracurricular talents, and offer tutoring or consulting in things like music, art, social media, fashion or nutrition, too.

How to Get Started

Related: 45 More Ways to Make Money Online

Market your tutoring services online at sites like Wyzant or Tutor.com. Or apply through one of these companies.

Or, do all the work up front and create an online course to sell through Skillshare, Udemy or your own site.

3. Data Entry Clerk

Pay: $9-$16/hour

These aren’t the best-paying online jobs, but they also don’t require a ton of skills or experience. Typically, all you need is a computer and an internet connection.

How to Get Started

Find online data entry jobs through these sites:

4. Resume Writer

Pay: $15-$25/hour

Know someone about to graduate or looking for a new job? Offer to help polish their resume to make it job-search-ready.

How to Get Started

Find online resume writing jobs through these sites:

Note that you’ll face a lot of competition and submit many unanswered applications.

Instead, try reaching into your existing network for potential clients, like friends looking for summer jobs and internships.

5. Search Engine Evaluator

Pay: $12-$15/hour

Earn up to $15 an hour cleaning up search engines, like Google, Yahoo! and Bing.

Despite constant updates to their algorithms, search engines are still riddled with errors. They rely on real humans to look at search results and offer feedback on quality, accuracy and usefulness. That’s where you come in.

How to Get Started

Find search engine evaluator jobs through these sites:

6. Niche Blogger

Pay: varies

Choose a topic that offers clear value to readers. By focusing your efforts on becoming an authority, you can make money blogging.

If you create a go-to source of information in your niche, you can earn money through relevant advertising, affiliate marketing and sponsored posts.

With good planning and time management, you can write for and promote your blog in your spare time, and earn passive income all day when readers visit your site.

How to Get Started

Here’s Our Step-by-Step Guide: How to Start a Blog

Your first step is to create a website. You have a number of hosting options, one of the most popular being Bluehost. You’ll have to pay a little — just $2.95 a month — but it’s integral.

7. Freelance Writer or Editor

Pay: varies; $50+ per article

This is how I made my living for four years while I traveled and moved around the U.S. It can be lucrative, flexible work.

You can make your own schedule, pick your own gigs and set your own rates. The best part is you get paid to write about almost anything!

Making money researching and writing about your existing hobbies and passions beats a barista gig at the campus coffee shop, right?

You can also try freelance proofreading. These gigs are good ways to keep your foot in the door of the writing world when you don’t have the time or energy to dedicate to composition.

How to Get Started

A quick search will show you there’s no shortage of freelance writing work online. It’s hard to sift through, so here are our tips on finding the best gigs:

And if you want to give proofreading a go, there are a ton of online courses out there.

Try Proofread Anywhere. It offers a free introductory workshop so you can see if it’s the right way to go. If you follow through, it teaches you how to start your own business, so you can craft a schedule that fits your semester workload.

8. Micro-Freelancer

Pay: $5-$50 per gig

Could you really cut into your debt, or even make a living, $5 at a time?

If you get creative, you might be able to do just that with Fiverr.

Turn your weird ideas and unique skills into gigs on Fiverr. One woman used Fiverr to market her resume-writing skills and has since earned more than $2 million

If you don’t want to wait for takers, look for a requested service, and pick up a few bucks from someone who needs help with a quick, simple task.

Copycat sites offer similar opportunities.

Try Gigbucks for tasks ranging from $5 to $50. TaskRabbit also connects you with real-life and virtual odd jobs that can bring in extra cash or even become a full-time job.

How to Get Started

Related: 16 Ways to Make Money Quickly

Read our overview of what you could sell on Fiverr to get an idea of the hidden gems and talents you might possess!

But make sure you’re valuing your time; if you’re only earning $4 an hour, it might not be your best bet.

9. Virtual Recruiter

Pay: $20-$30/hour

Put your skills and connections in your industry to use by connecting employees or freelancers with the right jobs.

As a virtual recruiter, you’ll work as a liaison between a company and potential new hires. You’ll do things like post available jobs, screen resumes, conduct preliminary interviews and negotiate salaries.

Work can pay around $50,000 per year for full-time employees, $20-$30 per hour for contractors or employees, or on a commission rate you set as a freelancer.

How to Get Started

This is freelance work, so you can start by perusing virtual recruiter job listings on LinkedIn or these freelance sites:

10. PowerPoint Presentation Designer

Pay: varies, approximately $10-$20 per slide

Did you master PowerPoint for a project last semester? Turn that skill into a moneymaker!

When businesses or keynote speakers don’t have time to create presentations for their events, do it for them.

How to Get Started

Set up your own virtual storefront, like this professional slide designer, or list your services on freelance sites like Upwork or Freelancer.

11. Genealogist

Pay: varies, $70-$700 per project

Yes, people will pay you to put together their tricky family trees.

Are you already a hobby genealogist or studying the subject in school? You could charge between $70-$700 per request, and take on as much or little work as you can manage.

How to Get Started

Set up your own virtual storefront, like this professional genealogist, or list your services on freelance sites.

12. Virtual Assistant

Starting pay varies with duties: $10-$20/hour

Get paid to use the organization and communication skills you’ve developed to stay on top of schoolwork, classes and extracurriculars.

VA gigs vary in pay, hours and the actual work. You might help people and businesses with data entry, social media management, website maintenance, research and customer service.

With more and more professionals diving into freelance jobs and self-employment, these positions are increasingly in demand.

How to Get Started

Find virtual assistant jobs through these sites:

13. Transcriptionist

Pay: $15-$25/hour or more

Transcribing requires little to no prior experience, and offers flexible hours and workloads.

The work sounds easy: Listen to audio and type what you hear. But it can be repetitive and requires a lot of attention to detail.

With that said, the flexible work hours fit well around an academic schedule. And the pay is a pretty good selling point: Earn around $15 to $25 for general transcription, and more if you learn to specialize in the legal or medical fields.

How to Get Started

Find transcriptionist jobs through these sites:

Or, if you want to start your own transcription business and pick and choose your clients, Transcribe Anywhere offers online courses. There’s even a free introductory mini-course you that’ll allow you to take a trial run.

Dana Sitar is a former branded content editor at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2OmlJ5v

Opinion: Give thanks, Americans. You're back to work.

If you find your Thanksgiving table descending into a fight about whether President Donald Trump's Ukraine scandal rises to an impeachable offense, put down the mashed potatoes, tap your wine glass, gather your family's attention, and tell them that this holiday is reserved for gratitude. If they doubt that American public life offers anything to be thankful for, ask them to consider this: The American people are finally back to work.This year, the rate of employment for people [...]

Source Business - poconorecord.com https://ift.tt/2XTpAdx

Take Care: How to Ask for Work Benefits When You’re an Elder Caregiver

Editor’s Note: This story was originally published in October 2018.

Usha Tewari has two full-time jobs, but she only gets paid for one of them.

Tewari works as an administrator for the Orange County Property Appraiser in Orlando, Florida, but she started an unpaid position on Jan. 28, 2017 — the day her mother, who was diagnosed with Alzheimer’s disease, moved in with her.

Tewari made the decision to move her mom, Mila, in with her after she noticed that the staff at a rehab facility wasn’t making Mila take her medicine or eat her meals. 

She discovered that alternative options were limited — caregiving facilities provide varying levels of care, and a dementia diagnosis eliminates many lower-cost choices.

“I got very frustrated with the process,” says Tewari, who couldn’t afford memory care facilities that charged thousands of dollars per month to feed and bathe her mom — on top of the base price. “That’s when I realized I can’t depend on other people. I have to figure it out myself.

 “I basically had no choice but to learn how to balance my work and taking care of her.”

Tewari is among the more than 40 million Americans who provide unpaid eldercare, according to the Bureau of Labor Statistics. That number is expected to increase, as older people will outnumber children by 2030, according to the Census Bureau’s Population Projections.

And like Tewari, most family caregivers cannot simply quit a job to tend to family members full time. 

Although everyone’s caregiving situation is unique, we’ve gathered advice from experts about work benefits and caregiver rights as well as tips from real-life caregivers to help you achieve a work-life balance.

Employee Benefits That Work for Caregivers

An elderly woman walks downtown with her daughter and her daughter's friend.

In this tight labor market, more companies are expanding benefits to attract and retain employees. General Mills, for instance, added two weeks of paid leave for family caregivers to its benefits plan in 2018. So review your employer’s policies before you start the conversation.

One resource for caregivers is an employee assistance program, a company intervention program. 

Benefits within these plans vary greatly, so it pays to investigate what your company offers, advises Chatrane Birbal, the Director of Congressional Affairs for Health Care and Employee Benefits at the Society for Human Resource Management.

“EAP benefits can include support groups… and programs for supporting an employee’s economic stability during a crisis,” Birbal says. “The plan can also include a wide array of other services, such as nurse advice telephone access, basic legal assistance… or assistance finding elder care services.” 

Additionally, find out your employer’s policies on telecommuting, flextime and compressed work weeks, all of which help when scheduling around your caregiving duties.

If your employer doesn’t list specific family care benefits in your employee manual, you can use it as an opportunity to bring up these benefits with your employer.

Know Your Caregiver Rights as an Employee

A woman holds a photo of her mother who passed away from brain cancer.

Before you start a conversation with your employer about your caregiving duties, it’s best to first research what you’re legally entitled to.

If you’ve worked at least a year for a company with 50 or more employees, you can qualify for 12 weeks of unpaid leave annually through the Family Medical Leave Act

Depending on your state, you may have additional rights to paid leave — eight states and Washington, D.C., have passed legislation that provides for paid family leave

During your approved leave, employers by law must maintain group health benefits and cannot fill your position.

If you don’t live in one of those states, FMLA provides some relief for caregivers, but once you run out of the allotted time, you’re at the mercy of an employer, notes lawyer Amanda Singleton of St. Petersburg, Florida.

In 2010, Singleton was working at a law firm when her mom was diagnosed with brain cancer and suddenly required 24-hour care. 

Singleton tried to use her time off intermittently that year to care for her mom. But two months before her mom died, the firm’s human resources department informed her that she had used all of her FMLA time. 

Singleton was told she could either resign or be fired if she missed any more work. Knowing her mom didn’t have long to live, she chose the latter.

“It was a really big kick in the teeth while I was down,” says Singleton. “I was losing my mom, and I was going to lose my profession.”

Singleton went on to start her own law firm, Singleton Legal, with a specialty in advocating for caregiver rights.

One Woman’s Story of Balancing Work and Caregiving

A woman eats while sitting on her bed.

Tewari says a few factors have allowed her to keep her job while taking on caregiving duties. 

The first is location. Tewari can walk to work, which allows her to check on her mom at lunch or rush home if there’s an emergency. 

Tewari also chose an apartment complex that has security personnel on duty.

“Fortunately, they’re very understanding of my situation, so if my mom does not answer the phone right away, I’ll send security to make sure she hasn’t fallen,” Tewari says. “I’ve had to do that in one or two instances.

“Unfortunately, I have to pay a little more rent, but I have that peace of mind rather than living in a house.”

Second, Tewari hired a caregiver to bathe her mom and help prepare food. The caregiver charges $14 per hour and comes over twice a week for a total of 10 hours.

“That’s all I could afford at this time,” Tewari says.

And finally, when she can’t find help elsewhere, Tewari relies on technology.

“I have a camera installed,” she says. “I check on my mom via the camera, and I call her to make sure everything is OK.”

Tewari also feels lucky to have understanding coworkers and managers. “There’s quite a few of them who are taking care of their own parents,” she notes.

Talk to Your Employer About Caregiving Duties

A mother is comforted by her daughter outside of their apartment.

Although the timing isn’t always up to you, the earlier you can speak to your employer, the better you’ll be able to negotiate accommodations for your caregiving duties, advises Jana Panarites, author and host of the Agewyz podcast on caregiving and healthy aging.

“Talk about your caregiving duties before you reach a crisis situation,” says Panarites, who became a caregiver in 2009 when her mother was diagnosed with Alzheimer’s. “The last thing you want to do is have to make decisions under duress —  you’re already going to be stressed out.”

In retrospect, Singleton wishes that she had negotiated with her employer immediately after her mom’s diagnosis.

Pro Tip

If it’s tough to prioritize caring for yourself when your budget is tight, check out these inexpensive ways to create a DIY spa day.

“Caregivers frequently take a year to start asking for help,” Singleton says. “Ask for help early and often — whether it’s your family members, your friends, your neighbors or your employers — they can’t understand unless they’ve been there themselves or you tell them.”

And if you’re just starting your career, caregiving duties do not have to be a deterrent to getting a job, so long as you discuss your needs early on, advises Birbal.

“You don’t want to seem as though you’re only interested in a position because of their benefit offerings,” Birbal says. “Around the third and fourth interviews is when I would raise the issue, but at that point I would be very transparent so the employer is not surprised.”  

How to Start the Conversation

An old family photographed is framed and placed on a bookshelf in a family home.

Being open and honest from the beginning is key, since end-of-life family caregiving may not be as obvious to an employer as beginning-of-life caregiving, according to Jisella Dolan, global advocacy officer for Home Instead.

“When someone goes out on maternity leave, it’s pretty obvious they’re having a child,” Dolan says. “But when you have a sick parent, that’s not always obvious.”

Presenting your position in terms of benefits that your employer already offers could help pave the way for getting additional support.

“We talk about flexibility and backup care and resources and support — it’s very helpful when you’re a parent, and it’s very helpful when you’re a family caregiver,” Dolan says. “I think a very simple question is: What resources do we have for parents in the workplace, and will those resources help support family caregivers as well?”

Tewari says being honest about her obligations from the beginning and demonstrating a commitment to her job has been key to maintaining good relationships at her workplace.

“Keep open communication with HR, your managers and your directors as to what your situation is,” Tewari says. “If I’m running 20 minutes late in the morning, if I’m having a challenge with my mom, I’ll just send them a message… it’s usually not an issue. 

“You have to build the trust on both ends.”

Don’t Forget to Care for Yourself

A daughter clips the fingernails of her mother.

It’s easy to get lost in your array of duties as caregiver and an employee, but you shouldn’t forget to care for yourself.

Tewari prioritizes her health by working out when she can.

“I have to find time to look after myself because if I get sick, then there’s no one to take care of my mom,” says Tewari, who has started taking a second blood pressure medication since her mom moved in. “I used to exercise a lot — now that’s been cut drastically.

“But if rather than getting 45 minutes in, I’ve learned that even if I get 20 minutes, that’s acceptable.”

And although she knows her mom’s condition is bound to deteriorate, Tewari tries to focus on what she can do in the present — whether it’s accumulating PTO or accepting help from friends — and take the rest day by day.

“To be honest with you, I get very stressed having to think what it’s going to be like in the future,” Tewari says. “It doesn’t help me, it’ll just bring me down, so that’s the reason I just try to stay mentally strong every day and take it as it comes.”

Resources for Family Caregivers

Balancing work and caregiving can be stressful enough without wasting time trying to hunt down resources. Here are some sites to help you find legal, medical, financial and emotional support:

Department of Health & Human Services: Eldercare Locator: Signed into law in January 2018, the RAISE Family Caregivers Act directs the Department of Health and Human Services to develop a national strategy to support caregivers. Among its resources is this site that searches for elder care options by zip code or service. 

AARP: The national organization provides resources for caregivers on its site, as well as this free webinar for working caregivers

Family Caregiver Alliance: This nonprofit provides connections organized by ailment through the site’s Family Caregiver Navigator. Also offers search options for support programs and legal resources. 

National Association of Areas Agency on Aging: Search by zip code for local Area Agencies on Aging, which can help determine the availability of programs that pay family members to provide care. 

Daughters in the Workplace: This resource from Home Instead includes articles and advice for addressing caregiving responsibilities specifically for women in the workplace

Alzheimer’s Association Community Resource Finder: Search for Alzheimer-specific community programs by zip code. The association’s 24/7 helpline also provides crisis assistance and education to Alzheimer’s and dementia caregivers: 800-272-3900 

CancerCare: This national organization’s site provides free support services, educational workshops and financial assistance for patients with cancer and their caregivers

National Association of County Veterans Service Officers: The association’s site searches by area for services for both veterans and their caregivers

Hilarity for Charity: Founded by Seth Rogen and Lauren Miller Rogen in 2012, this organization awards grants for in-home respite care to those providing care to their loved ones living with Alzheimer’s disease or other dementias in the United States and Canada. 

Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Read her bio and other work here, then catch her on Twitter @TiffanyWendeln.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2A5p8Pg

How to Add Facebook Pixel to Your WordPress Website

New users often find it difficult to add a Facebook pixel to their WordPress website mainly because they don’t know where to start. Facebook pixel helps you optimize your Facebook ad campaigns by gathering information about your visitors and then generating an audience that is more relevant to your business.

In simpler words, Facebook Pixel helps you target your ads better and get better click-through rates and conversion rates.

There are two ways you can add Facebook Pixel to your WordPress website, manually and through a Facebook pixel plugin.

In this article, I will take you through both the methods and show you how you can add a Facebook pixel to your WordPress website.

How to Add Facebook Plugin Manually

When you add a Facebook Pixel manually, you just copy the pixel code and paste it on the header of your WordPress website.

To get started with this method, you need to create a Facebook Pixel ID first. If you haven’t created one, you can do that from here.

Once you’re on this page, click on the Get Started button.

Get started

You will be asked to enter your name and website.

Enter Name

Click Continue and then click Manually add pixel code to your website 

Manually add pixel code to your website

Once you move forward, you will see the Pixel code that you will have to copy and paste on your WordPress website’s header.

Pixel Code

If you scroll down this page, you will see some more options to help you collect more information about your visitors.

Advanced matching

There is also an option to test your code to see if it’s working properly or not.

Test Pixel

Adding Facebook Pixel Plugin to Your WordPress Website Via a Plugin

Facebook pixel plugins give you more than just the ability to add the pixel code to your website; they also let you create custom audiences.

For this tutorial we will be using Pixel Caffeine, a popular Facebook pixel plugin, to add a pixel to your WordPress website.

Start by installing the plugin on your WordPress website.

Pixel Caffeine

Once you have installed and activated the plugin, you will see this page.

Pixel Caffeine General Settings

You can either start by entering your pixel ID or you can connect your Facebook account, in which case it will be easier to install the Pixel and you will get all the advanced features as well.

For this tutorial, we will use Facebook Connect. Once you allow the plugin to connect with your Facebook account, you will have to choose the ad account that you want to connect to.

Facebook Connect

Once you have selected the ad account, click on Apply to set up your Pixel.

Facebook Pixel Setup

Pretty simple, isn’t it?

Now that you have installed the pixel, click on the Dashboard tab to track the activity on your Pixel.

Pixel Caffeine Dashboard

You can also set up Custom Audiences and Conversion Events directly from your WordPress dashboard.

Final Words

Now that you know how to set up Facebook Pixel to your WordPress website, you will be able to filter out your audiences and better optimize your Facebook ads. Your ads will now be more targeted and will reach the right people which will improve their click-through and conversion rates.

If you think the plugin I used in this article is not the right one for you, you can also check out this list of the best WordPress Facebook pixel plugins to choose from.



Source Quick Sprout https://ift.tt/2XORcjX

Best Black Friday deals: A store-by-store guide for bargain hunters

This year’s holiday shopping season is shorter than usual, and that’s got retailers concerned.With Thanksgiving falling almost an entire week later than last year, there’s less than a month — just 26 shopping days — until Christmas.To help out consumers — and, let’s be honest, to maximize profits — many chains rolled out Black Friday pricing earlier than ever before. Kohl’s, for instance, began [...]

Source Business - poconorecord.com https://ift.tt/2KWroNT

Stay In, Save Money. These 70 Stores Will Be Closed for Thanksgiving

Black Friday sales aren’t limited to the day after Thanksgiving.

Nowadays you’ll see stores advertising Black Friday deals before Halloween’s jack-o-lanterns have gone bad. Like Christmas in July, some retailers — such as Lowe’s and Home Depot — even hold Black Friday sales in the spring.

The whole craze of lining up at midnight for stores to open the Friday after Thanksgiving ended once retailers decided to simply stay open Thanksgiving day. While shopping on the holiday gives you one more opportunity to catch a good sale, it also gives you a greater chance to buy things you really don’t need. Or you end up overspending all for the sake of buying a bunch of stuff on discount.

Some businesses, however, buck the trend and stay closed for Thanksgiving. We’ve combined lists from RetailMeNot, BestBlackFriday.com and TheBlackFriday.com of stores confirmed to be closed on Thanksgiving day. 

If you’re trying to save a little dough this holiday season by abstaining from some of the retail craze, these 70 stores are on your side

70 Retail Chains Closed for Thanksgiving 2019

A woman shops for bulk items at Sam's club.
  • A.C. Moore
  • Academy Sports and Outdoors
  • Ace Hardware
  • Acme Tools
  • Allen Edmonds
  • American Girl
  • Ann Taylor
  • At Home
  • Barnes and Noble
  • Bealls Florida
  • BJ’s
  • Big 5 Sporting Goods
  • Blain’s Farm and Fleet
  • Bloomingdale’s
  • Bob’s Discount Furniture
  • Burlington
  • Christmas Tree Shops
  • Christopher and Banks
  • The Container Store
  • Costco
  • Cost Plus World Market
  • Craft Warehouse
  • Crate & Barrel
  • Dillard’s
  • DressBarn
  • DSW
  • Fred Meyer
  • Fleet Farm
  • Guitar Center
  • Half Price Books
  • Harbor Freight
  • H-E-B
  • H&M
  • Hobby Lobby
  • The Home Depot
  • HomeGoods
  • IKEA
  • JOANN
  • Jos. A. Bank
  • Lamps Plus
  • La-Z-Boy
  • Lowe’s
  • Marshalls
  • Menards
  • Micro Center
  • Music & Arts
  • Neiman Marcus
  • Nordstrom and Nordstrom Rack
  • Office Depot/OfficeMax
  • The Paper Store
  • Patagonia
  • P.C. Richard and Son
  • Petco
  • PetSmart
  • Pet Supplies Plus
  • Pier 1
  • Publix
  • Raymour & Flanigan
  • REI
  • Sam’s Club
  • Sears Outlet
  • Sierra Trading Post
  • Sportsman’s Warehouse
  • Staples
  • Stein Mart
  • Sur La Table
  • TJ Maxx
  • Tractor Supply
  • True Value
  • West Marine

30 Stores Open Thanksgiving Day

On the contrary, if you want to get an early start on your holiday shopping (or just want to grab a few deals), not all stores are closed for Thanksgiving. The following stores are expected to be open Thanksgiving day. Store openings may vary by location, so check your local stores to confirm. And be sure to watch your pennies!

  • Bass Pro Shops and Cabela’s
  • Bed Bath & Beyond
  • Belk
  • Best Buy
  • Big Lots
  • Boscov’s
  • Dick’s Sporting Goods
  • Dollar General
  • Dunham’s Sports
  • GameStop
  • Gander Outdoors
  • Goody’s
  • Gordmans
  • Family Dollar
  • Fred’s
  • JCPenney
  • Kmart
  • Kohl’s
  • Macy’s
  • Meijer
  • Michaels
  • Modell’s Sporting Goods
  • Old Navy
  • Rite Aid
  • Sears
  • Stage
  • Target
  • Ulta
  • Walgreens
  • Walmart

Nicole Dow is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2OPm67V