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الخميس، 10 أغسطس 2017

How to Be More Likeable – And How That’s Financially Valuable

One of the parents of another player on my oldest child’s soccer team is one of those people that lots of people seem to like. At first glance, you’d think he was just the most ordinary nondescript person in the world, but he’s extremely good at coming up to people, getting to know them, and making everyone feel at ease. He makes people laugh without being cruel and walks away from almost every interaction with people having left them with a very positive feeling about him.

Not too long ago, he sent me an email out of the blue. He tracked down my email address from the team email list and just wanted to know if I had any feedback about an organization he’s involved with – some of the work they’re doing and how they present themselves. The thing is, I probably would not have taken the time to actually look very deeply for most people, but I had natural positive thoughts about this guy, so I spent some time actually reviewing their material and sending him some thoughtful feedback. He was incredibly thankful for the effort and actually sent me a thank you note because of it, reinforcing my positive thoughts about him.

I had a conversation with a close friend recently who also knows this guy and we both concluded that he seems like a great person to have in the community, even if we’re not close friends with him, and we’d both help him out if he needed help. I know that if I ever knew that he or his family needed help, I’d be glad to give them a hand in any way that I reasonably could.

For him, that’s a valuable asset, whether he sees it or not. By being a very likable person, he unconsciously (or perhaps consciously, who knows) adds a great deal of value to his life, in ways he might directly see and in ways he might not see.

The Benefits

Here are some of the benefits to be gained from being more likable.

Being more likable opens you up for more promotions. If you’re more likable at work, your boss is going to see you in a much more positive light, with your other positive traits shining brightly and your negative traits being pushed more into the shadows. Likability is a trait that is seen as valuable in positions where you may have to manage others and interact with clients and vendors, so the benefits in terms of promotion go beyond just what your boss thinks of you.

Being more likable makes it much easier to build a professional network. If you’re likable, it’s easy to build connections with people in your field, which can help you when it comes time to find a new job or move up in your field or go in a new direction. Knowing lots of people in your field and having friendly faces in many different organizations also makes it easy to build collaborations when needed, which are a vital part of many different career paths. Having a big network of people who may refer clients to you or be able to share advice and feedback is invaluable, and that kind of network is built on being likable.

Being more likable makes it much easier to find help when you need it. When you’re struggling with a project, being able to tap an existing personal and professional network for advice and direct assistance is incredibly useful, and being likable makes it much easier to build this kind of network. A likable person is likely to have far more people to ask when they need help with something, and they’re far more likely to get positive answers when they do ask. (My story above, with the likable guy from soccer, is a great example.)

Being more likable opens you up to lots of unexpected opportunities. If people have things to share and opportunities to give, they’re more likely to hand them out to people that they like. Thus, people who are likable are far more likely to have unexpected opportunities drop their way. I’ve experienced this myself, with people sometimes gifting us things out of the blue because they “like our family.”

Being more likable makes it much easier to build a broad social network. This might seem like a minor thing, but simply having a broad social network in your community can be an enormous advantage at times. It makes community events far more enjoyable when you know many of the people who will attend them. It also opens up many, many opportunities for leadership in communities, which can end up reflecting very well on your career.

Eleven Tactics for Likability

The question, one might ask, is how to be likable. For some, it comes naturally – they’re gifted with charisma and natural social skills. For others (like me) who were “gifted” with a streak of introversion and social awkwardness, it can be very hard to have a sense of what to do in social situations.

Here are eleven tactics you can use in social situations to be more likable. I suggest choosing one or two of these and practicing them until they become natural, then moving on to others on the list. A good way to do this is to give yourself a few daily reminders of the trait you’re working on developing so that you keep it in mind throughout your day, and stick with consciously building that trait for a few months with those daily reminders before moving on.

Ask questions. People love to talk about themselves and their ideas, and they tend to think well of others who express an interest in them and their ideas. This adds up to an easy recipe for likability – just ask questions, listen to the answers, and ask follow-up questions. This makes carrying on a conversation quite easy, and those conversations (as long as the questions don’t become antagonistic) tend to result in the other person seeing you in a very positive light.

When the conversation lulls, speak up. Dead spaces in the conversation tend to reduce the likability of everyone involved. People often feel uncomfortable in silence (unless everyone involved knows each other well and appreciates some silence). The best approach when a conversation lulls is to have a conversation starter ready to go. What’s a good conversation starter? A meaningful question. It’s a good idea to have a number of such “conversation starter” questions in your head and ready to go. If you’re struggling, look around you and use the situation you’re in together as the source for a question (“What brought you to this event?” for example).

Seek out the joy in every interaction. Look for joy above all else. Think of the things that the other person is saying or doing that are pleasing to you and drop the things that aren’t. Try to think of things from their perspective and consider what would bring them joy. The goal of most conversations is to bring about some sort of positive sentiment among the participants, so look for that and strive to feel it in your own heart. This will make you feel more joyful. Many people who offer likability practices tell people to simply smile more, but my approach is to simply look for the good things and smiles will come naturally, and natural smiles are far and away the best ones because they’re genuine.

Give of yourself without any expectation of return. When someone needs help and you can reasonably give that help, do so without any expectation of anything in return. Not only does this make you feel good internally (the joy in every interaction, as noted above), it often makes the other person feel great, as you’ve surprised them in a good way and helped to relieve a burden. It’s a net positive for everyone involved, and regardless of where that net positive leads, you’re going to be a part of it. You’re going to feel good about yourself and others are going to feel good about you.

Genuinely care about others. If your goal at the end of an interaction with another person is to genuinely lift up their life, you’re going to be likable. To do that, you have to care about them. You have to genuinely want their life to be better in some small way. If you approach every interaction with another person as an opportunity to make their life better (or the lives of third parties better), you’re going to be liked by almost everyone.

Remember things about others and follow up. The simple act of remembering a person’s name upon meeting them again is a great way to appear likable, and you can amp up that likability by remembering a few things about them to use as conversation starters. The simple step of recalling a project they were working on and asking how that is going is going to make you more likable, for example. Remembering an interest that they have, or the name of their child, or some accomplishment of theirs – all of those things will improve your likability in their eyes.

Listen when others are talking and actually absorb what they’re saying. The time when others are speaking is not the time where you stand there formulating your next talking point while ignoring what they’re saying. Instead, it’s the time to listen attentively and make an effort to understand what they’re saying and see things from their perspective. A great way to indicate this is through a follow-up question, as that indicates you were actually listening and valuing their thoughts. Again, notice how asking questions continues to pop up.

Admit to knowledge gaps and allow others to fill them in. Many people overcompensate for knowledge gaps in order to make themselves appear more skilled and knowledgable, but, quite often, it’s the admission of knowledge gaps and the asking of questions that makes a person appear likable. Minor flaws – such as not having full knowledge of a subject – are generally likable, and pairing that flaw with worthwhile questions that others can answer (again, notice how questions pop up!) can add to that likability.

Don’t take yourself seriously. Don’t be afraid to look for the lighthearted side of a situation, or for the lighter side of yourself. Seriousness has a place, but most of the time, taking yourself less seriously and being open to gentle teasing (or even teasing yourself through self-deprecation) is far more likable. Save the “serious” for truly serious and somber moments. At other times, go with a lighter touch.

Admit to flaws (but don’t brag about flaws). It is never a mistake to note a flaw about yourself. Often, your flaws will eventually be noticed by others, but the edge is taken out of those flaws if you notice them about yourself first. There’s no need to introduce them or make a central conversation topic about them, but a gentle self-jab about some personal foible when it is appropriate in the conversation is almost always likable.

Go for the (positive) laugh, even at your own expense. A bit of humor in non-serious situations is almost always a net benefit. Laughter makes people feel good, and if you cause that, they will feel good toward you. Having said that, you’re generally not going to score in the likability department if your humor is cruel, particularly toward other people or animals. Keep it lighthearted. My uncle used to live by the practice of having a good joke or two in his pocket that he refreshed at least twice a week, in order to make people laugh, and he was one of the most well-liked people I’ve ever known.

Don’t have stringent tastes – go with the flow, but offer good suggestions when asked. You’re far better off being the person that offers suggestions rather than being the person that vetoes suggestions. Rather than being the “picky” person, when a situation comes up where people are brainstorming ideas, focus on offering up a lot of ideas that are palatable to you. When someone wants to go out to eat, say something like, “I’m in the mood for Mexican or Italian food… and sandwiches would be good, too. Are you in for any of those?” This lets people feel relieved of having to choose and gives them options so they don’t have to veto. You’re seen as more likable and flexible because of that.

This Is Not An Equation – Don’t Treat It As Such

Many people treat strategies like these as equations, under the idea that “if you do X, you will immediately be likable.” That’s not how this works. Simply doing something a little different doesn’t instantly make you likable. Likability is a matter of degrees. These tactics will each make you slightly more likable, but their real effects aren’t felt instantly. Instead, they build over time.

In fact, I would suggest that you will see little positive benefit from these changes in the short run. Most of the time, you’ll be interacting with people who have already formed an opinion of you, and it takes a lot of interactions to change that opinion. It won’t change overnight, no matter what you do. You’ll likely see some better results from interacting with people you don’t know well, but that will also take time, as you won’t establish a great relationship with every single person you meet no matter how likable you are.

Instead, the benefits will appear over time. The people in your life, on the whole, will perceive you as more likable than before in gradual steps, and when that happens, some of the positive results you see above will begin to slowly emerge. If you back up likability with good character and other traits and skills that others value, you’ll gradually begin to build a positive reputation in the communities that you are a part of (or your reputation will improve from where it’s at).

This takes time, and it’s not an exact tit for tat. I like to think of it as being like putting drops of food coloring in a lake. Each step you take to be more likable is like putting a drop of food coloring into a big body of water. It takes a lot of drops before the color changes noticeably at all. However, a point will come when you look at the lake and you realize the color has changed. That’s what improving your likability and character is like. It’s not an immediate change, but a gradual and subtle one, one that you won’t really notice until a later time when the slow sea change is suddenly obvious to you.

The benefits of being likable are many, and taking steps to become more likable are incredibly valuable. It is a long journey, however, and the positive repercussions aren’t very immediate or obvious at first glance. It’s a long journey, just like a personal finance journey, but on the other side, there are innumerable benefits for your career, your finances, and your life as a whole.

Good luck!

The post How to Be More Likeable – And How That’s Financially Valuable appeared first on The Simple Dollar.



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This Study Revealed the States With the Most and Least Student Loan Debt

We hear about the severity of student loan debt all the time.

Our country is up to its neck in it. It’s holding graduates back. It’s bad, bad, bad.

As depressing as it can be, it’s interesting to see where you stand among others. Sometimes it makes you feel better that you’re not that deep in poo — while other times, you realize you have more than the average.

Either way, it offers perspective, which the human spirit seems to appreciate.

Credit Sesame, a service that provides free credit scores and credit reports, recently tapped into its database to analyze 1 million of its accounts (with 4 million loans) to figure out which states were the best and worst for student loan debt.

The Five States With the Highest Student Loan Debt

Bad news first, right?

Here’s what Credit Sesame found after examining the the nearly 1 million accounts with student loan debt connected to its database:

  1. Washington, D.C. — $47,331
  2. Maryland — $40,473
  3. Georgia — $39,720
  4. South Carolina — $36,865
  5. Virginia — $36,828

The Five States With the Lowest Student Loan Debt

It feels weird saying “best,” because there’s nothing good about student loan debt, but these are the five “best” states, according to Credit Sesame:

  1. Wyoming — $28,303
  2. Utah — $29,158
  3. Rhode Island — $29,158
  4. Montana — $29,801
  5. Idaho — $29,935

Tools to Help You Tackle Student Loan Debt

If you’re curious about what you owe at this point — on anything — you’ll want to check your credit report.

You can snag a free credit report through Credit Sesame.

Next, you’ll want to create some type of strategy.

We, unfortunately, can’t tell you what your best route is, but we have some suggestions.

You could try refinancing through a platform like Credible. By refinancing your student loans, you could snag a lower interest rate, which could save you thousands over time.

You can also increase your income by taking on a side gig. Stash the money you earn in a separate, do-not-touch-except-for-student-loans account.

Another (easier) option is to use an app like Qoins. It rounds up all your purchases and dumps the change into an account that’ll go toward repaying your student loans. The pennies add up quickly!

You also have the option of applying for loan deferment — but only if you absolutely need to. Read the rest of our tips for getting out of debt here before committing to that option.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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3 Paleo Recipes That Will Let You Embrace Your Inner Caveman on the Cheap

Is Breastfeeding Really Free? These Hidden Costs May Surprise You

When you made the decision to breastfeed, it probably came with careful consideration. For my family and me, saving money and the health of my baby were two really important issues.

What I didn’t know as a new mother was that breastfeeding wasn’t free. Everywhere I turned, it was touted as the free alternative to formula feeding. With breastfeeding supplies and support factoring in, the truth is actually somewhere in the middle.

Save at the Pump

The breast pump is going to be the biggest expense that you will potentially face when breastfeeding, with a hand pump costing about $25 (they can go up to $1,000, but the average price is $250 to $300).

But, here’s a news flash: not everyone needs a breast pump.

Returning to work is the biggest reason you might consider a breast pump. While this might be a great tool for you, there is an alternative to an electric breast pump.

One example is hand expression. Hand expression uses your hands and a breast milk collection container. This is ideal for people who don’t need to pump often or who are really good at hand expression. You won’t know until you try this one. The other example would be a hand powered pump versus an electric pump. This pump is great for people who will not be using it on a daily basis or need to pump quickly.  Most people prefer the electric plug in model to the hand pump, or even a battery powered pump.

If you do need or simply want a breast pump, you will want to first check with your health insurance provider. Many health insurance plans have a provision where simply being pregnant means that you are eligible for a breast pump.

That said, not all breast pumps are created equally and the law is written in a way that does not specify a particular pump. You might get a single hand pump or a double electric pump. To save time, which equals money, you will most likely want a double electric pump.

Part of the procedure to get a breast pump usually involves a prescription from your doctor or midwife. Simply ask them to specify a double electric pump on that prescription. This is not a guarantee but will be helpful in obtaining the best pump.

Buy Breast Milk Storage in Bulk

Storing the breast milk that you pump does not need to be complicated, but it should not be an afterthought. There are plenty of ways to store breast milk in your refrigerator or freezer. You probably will find that special breast milk storage bags work well for you. This is particularly true if you will be storing a lot of milk.

These are not cheap, and they are disposable. However, buying in bulk is a great way for you to save money. Lansinoh and NUK manufacture quality bags in bulk. They sell at Target for around $10 to $11 for 100 bags. You will not save money buying generic food storage bags that frequently leak.

The alternative is going to a sturdy container, like a glass or plastic bottle. These take up a lot of room and are not ideal if you have a lot of milk to freeze or store and don’t have a separate freezer in addition to your regular food storage.

You May Already Have Access to Lactation Support

Another thing you will want to consider putting a few dollars towards is a lactation consultant. Don’t be tempted to get free information off the Internet when you have big problems. A quick, early intervention can save your breastfeeding relationship.

Before you pay out of pocket, be sure to see if you can use the lactation services at the hospital where you had your baby. If that doesn’t work, check with your pediatrician. Many offices now employ a lactation consultant to help you.

You may also be able to use your flexible spending or health care savings on the services of a lactation consultant.

If none of those is an option, there are also some Women, Infant and Children’s (WIC) offices that have lactation support. This is often given via peer counselors with the supervision of a lactation consultant.

Invest in Key Nursing Clothes

Nursing bras and clothes that are meant for breastfeeding can be very helpful. Even just a few shirts and a handful of bras will make breastfeeding easier and more comfortable for you and your baby.

Select a few key pieces that will help you get your nursing wardrobe started. Then you can add only what you need to your collection as time goes on.

Nursing Bras

I recommend owning at least two bras that have breastfeeding access built in. You may also want to purchase nursing bras that work double duty — they have a built-in flap to make them a hands-free pumping bra.

Being able to pump and continue eating, working, or just messing with your phone is a huge help. There are also bustiers that you can purchase to help you with hands-free pumping.

Nursing Camisoles and Dresses

The next item on my wish list would be breastfeeding camisoles. These tops are worn under any article of clothing to allow you to keep your belly covered while pumping or breastfeeding. When breastfeeding is easy and comfortable, you’re more likely to make it work.

Target, Old Navy and Walmart sell breastfeeding camisoles for just $15 to $20. If you spend $20 to $25 you can get one from Undercover Mama. The main difference to look out for is how they open — some snap open from the top and others have hidden flaps.

You may also want to add one dress to the mix. Certainly, many women wind up wearing skirts and shirts for a very long time. But the first splurge I make is always a nice dress with breastfeeding/pumping access. These tend to be a bit pricy unless you can find one at a secondhand maternity store or a yard sale.

Remember that breastfeeding might not be free, but the little bit of money that you do spend is saved in other ways.

For example, a 2016 study showed that mothers breastfeeding for a full year spent fewer dollars on health care — in co-pays and lost work. While you should have some funds available to help make breastfeeding easier, it still winds up being a huge cost savings over purchasing formula.

Disclosure: This post contains affiliate links. By checking out this featured content, you help us bring you more ways to save!

Robin Elise Weiss, PhD, CLC, is a mother of many and lactation counselor. She spends her time between driving the kids around and teaching others to help new mothers.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Book Review: ‘The Millennial Money Fix’

I am proud to say that I’m a millennial who fixed his finances. I went from deep in debt and financially illiterate to debt-free and thriving over the last eight years. Thus, I was intrigued when I came across the book “The Millennial Money Fix,” by the husband and wife writing duo of Douglas and Heather Boneparth.

What wisdom did it contain? If I had read this before college, could I have avoided taking on so much debt? Since it was written by millennials and for millennials, could I see it engaging my 21-year-old sister, a fierce critic who rolls her eyes at everything finance related I try to get her to read?

I decided to dive in and find out.

The Premise

Douglas Boneparth, the co-author who takes the reins and speaks in the first person, sees a problem: Financial illiteracy among his fellow millennials. The first chapter is spent making the case that we millennials are ill-equipped to navigate a complicated financial landscape.

He places much of the blame on our K-12 education system. It was pretty shocking to learn that “only 20 states require high school students to take an economics course, and only 17 require a course in personal finance.”

If that wasn’t bad enough, Boneparth argues that our parents can’t help, because they’re as clueless about handling money as we are. Also, we’re staring down the barrel of a $1.3 trillion student loan bubble, manufacturing jobs are disappearing, we graduated college into the Great Recession, and the landscape of the labor market is constantly shifting beneath our feet.

It’s very fire and brimstone, and it doesn’t sugar coat any of the problems. Thankfully, the rest of the book is spent giving advice on how to deal with these issues.

The Solutions

The first step on the path to fixing our collective finances is to set savings goals. The Boneparths recommend sitting down and figuring out what you’re saving for, and why. Once you’ve done that, you should set concrete monthly savings goals for big-ticket items such as a house or a wedding. Simply take the total you’re willing to spend, divide it by the number of months you have to save, and put aside that amount every month.

The book then transitions from a focus on goal-setting to defining some basic financial terms. They want to get the average millennial from a place of complete ignorance to at least being able to understand bedrock concepts: Compound interest, investments, payroll taxes, employer benefits, and estate planning are all discussed.

After laying that groundwork, they get into the meat and potatoes of the book: how they think you should approach, and pay for, college.

This discussion spans two chapters and 50 pages, but it can be condensed into a couple of main points. The first is that higher education is very expensive. Because of this, millennials are taking out student loans at an extraordinarily high rate. Over-borrowing is especially pernicious when it comes to grad school loans, and the problem shows no signs of slowing down. If you attend an expensive school without a concrete idea of how you’re going to pay for it, and without studying for a job in a growing field, you will get burned.

They spend a bit of time specifically mocking those who go to Harvard and take classes such as “Folklore and Mythology.” They consider that wasteful and imprudent. As someone who attended Harvard and actually took a Folklore and Mythology course, I just have to say that I can’t believe they would say something so… absolutely right. Spend your time in college wisely, folks! I haven’t had a chance to use my knowledge of ancient Celtic symbolism yet, and I’m starting to doubt I ever will.

Their advice throughout these two chapters is of the sort you see on The Simple Dollar repeatedly – keep costs down, choose a practical major, consider community college, and don’t worry about attending a highly-ranked yet expensive school. They wrap up their college discussion by advising that every student understand what they’re getting into when they sign their loans, and they break down what each type of loan entails.

The book winds down by covering a few more basic financial topics, such as how to fill out a W-2, what to look for in a retirement plan, and how to choose an appropriate investment strategy based on things like risk tolerance, time frame, and the fees being charged by the financial institution. As you’d expect, the advice here is pedestrian and straightforward: Don’t invest until you have an emergency fund, don’t invest money you’re not willing to lose, and try to minimize fees if you use index funds.

Is ‘The Millennial Money Fix’ worth reading?

At its core, “The Millennial Money Fix” provides rock solid advice. If you live within your means, work hard, and set concrete goals, you will set yourself up for success. The book fulfills one of its promises in that if you are financially illiterate, it will give you a broad understanding of basic financial concepts.

But, it’s hard to shake the feeling that if you want very basic terms defined for you, the answers are just an internet search away. The authors themselves recommend checking out Investopedia.com, and I second that. Much of the book is devoted to simple questions such as “What is a Mutual Fund?” or breaking down concepts at a staggeringly basic level — for example, “Income is money coming in. Expenses are money going out.”

That wouldn’t be so bad if the book was marketed as a compendium of handy definitions and encouraging tips. Unfortunately, it promises a lot more. It’s supposed to give us millennials a “fix,” after all.

Upon finishing, I was still wondering what that fix was. The book did a good job of making me think twice about ever taking out a grad school loan, but all the advice was generic, and could be applied just as easily to a baby boomer or a member of Generation Z. The authors were making it seem like they had some secret sauce that would change the way I look at the world, and I was left wanting.

Finally, I would be remiss if I didn’t mention what I feel to be the glaring flaw of the book: At times it feels like a piece of marketing material for the author’s wealth management firm, which is geared toward millennial investors.

The chapter on investment strategies veers from basic overview to heaping praise on financial advisors faster than you can say “shameless plug.”

I think it’s worth sharing the author’s thoughts on this matter in full, from the end of the chapter titled, “Wealth is Earned, Not Acquired”:

“In my experience, I can tell you that most of my clients are too busy working toward their goals to do as good of a job as my firm can do for them. Their time is too valuable and too precious to be spent perfecting an asset allocation model or mulling through the tens of thousands of funds that exist to create the optimal investment portfolio. They find value in working with a professional to help them make the best decisions, because they can reinvest that time into work or their personal lives. What it comes down to is, what is your time worth to you?”

There are times when it makes sense to hire a financial advisor, so I don’t fault the authors for mentioning it as a possibility. But if your goal is to help the average millennial find their financial footing, it seems disingenuous to advise them to do anything other than open a brokerage account or IRA and invest in low-cost index funds.

Also, it’s a little ridiculous for the author to imply that he has the ability to find “perfect” funds and create “optimal portfolios.” Investing professionals such as Boneparth often don’t even beat the market once their fees are factored in, which is why market-weighted index funds have become so popular.

I checked out the author’s website, and learned that annual financial plans with his firm start at $1,950 per year. I’d steer my friends clear of any advisor charging that much when there’s so much they can do on their own.

Summing Up

This book does its best to come across as a labor of love, a project started by Heather Boneparth based on a lifelong passion for educating millennials. And that may be true.

Unfortunately, it reads more like a dry encyclopedia of terms sprinkled with some personal anecdotes and icky-feeling mentions of the author’s wealth management services. When a financial advisor writes a book and plugs his own services, especially when marketing to a crowd that he knows is already deeply in debt, it can leave a bad taste in the reader’s mouth.

If you’re looking for a classic book on money management to give a millennial, I believe there are better options. There’s still nothing that would captivate my skeptical and easily-distracted sister, but you can’t go wrong with classics like “Your Money or Your Life” or the “The Boglehead’s Guide to Investing.”

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Student working over the summer? How to reclaim overpaid tax

Student working over the summer? How to reclaim overpaid tax

Students, like all others, have to pay tax on their earnings if they exceed £11,500 a year as of 6 April 2017.

But if you’re working alongside your school or university education or you’ve got a part-time job for the summer holidays or a paid internship, you will most likely be taxed via PAYE (Pay As You Earn), which automatically charges tax on earnings regardless of how much you earn.

This means you may need to reclaim the tax if your earnings fall below the minimum £11,500 annual requirement.

Claiming a tax refund is fairly simple. Here’s what you need to know.

How to claim a tax rebate when you’ve stopped working

If you’re only working over the summer holidays and you stop working to go back to studying, and you’re not going to work again for at least four weeks, you can fill in a P50 form to claim a tax refund.

This can be found on Gov.uk and you can apply online or by post. You can’t claim a tax refund using a P50 form if you’re in receipt of jobseeker’s allowance, taxable incapacity benefit, employment and support allowance or carer’s allowance.

How to claim a tax rebate when you’re still in work

If you’re working over the summer but plan to work when you go back to your studies too, here’s how to claim a tax refund if you’re earning under £11,500 a year.

For the 2017 to 2018 tax year: Check if your tax code is correct. Your tax code, which can be found on your payslips, will normally start with a number and end with a letter. 1150L is the tax code currently used for most people who have one job or a pension.

If your tax code doesn’t seem right or is incorrect, you need to tell HMRC; either by phoning it on 0300 200 3300 or 0300 200 3319, or alternatively, you can write to HMRC at HM Revenue and Customs, BX9 1AS, United Kingdom.  

Once your tax code has been corrected, your employer will refund you the overpaid tax in your pay.

For the 2016 to 2017 tax year: You can only claim your money back when your tax for the year has been calculated, which takes place between June and October. HMRC will post you a P800 tax calculation if it calculates you’ve paid too much tax. The P800 will tell you how you’ll get your refund. P800s are issued after the tax year ends on 5 April. You’ll normally get yours by the end of October and it shows the income you have paid tax on.

For the 2015 to 2016, 2014 to 2015, and 2013 to 2014 tax years: You can claim online via HMRC. To do this you will need your employer’s PAYE reference number, which you will find on your P60, in addition to the details of any income that has been taxed.

Alternatively, call or write to HMRC using the contact details listed above and explain why you think you’ve overpaid. You’ll need your national insurance number, details of the jobs you had, and your P45, if you have one.

In this instance, HMRC will usually send you a cheque within five weeks, but this timeframe can vary. If you are expecting a payment directly to your bank account, you should receive it within five working days.

What self-employed students need to know about tax

Self-employed students also do not need to pay tax on earnings of less than £11,500, but they must ensure they are registered as self-employed. You have to register by 5 October in your business’s second tax year. You could be fined if you don’t.

You also need to fill in a self-assessment tax return each year stating your income and expenses, which HMRC will use to calculate how much tax you need to pay. 

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الأربعاء، 9 أغسطس 2017

8 Questions to Answer Before You Take Out a Personal Loan

Five questions to help Pa. retirees avoid pension scams

HARRISBURG — The Department of Banking and Securities is warning consumers about doing business with any company offering an advance on a retirement pension.These so-called lump sum "pension advances" are thinly-disguised loans with no contractual or financial relationship with the consumer's pension or pension plan. The total payments made on the "advance" often far exceed the initial loan amount.In almost all cases, the payments made by the consumer are more than [...]

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Lawsuit: CVS Is Ripping Off Insured Customers by Overcharging Them for Meds

A California woman is suing CVS Health Corp., alleging the drugstore chain overcharges customers for prescription copays.

The case may become a class-action suit.

“CVS deliberately charges customers who use their insurance more for the Affected Drugs as compared to customers who pay cash or simply don’t use their insurance,” the suit claims. “Affected Drugs” is the term used to describe certain generic medications that CVS allegedly overcharged for.

Plaintiff Megan Schultz’s story goes like this, according to the suit:

“On July 6, 2017, she used her insurance to purchase a certain generic drug at her local CVS, and under her plan she was required to pay $165.68. But if she simply paid in cash, without using her insurance, she would have paid only $92. CVS never told her that paying in cash would allow her to pay 45% less for the drug; instead, CVS remained silent and took her money—knowing full well that no reasonable consumer would make such a choice.”

The case accuses CVS of a host of violations, including racketeering (the best fancy word for fraud) and fiduciary conflicts of interest.

Michael DeAngelis, a spokesperson for CVS, told Bloomberg: “The allegations against us made in this proposed class action suit are built on a false premise and are completely without merit.”

How Pharmacies Negotiate Your Prescription Copays

This payment disparity occurs because of agreements between pharmacy benefit managers, who are third-party administrators who work with pharmacies and insurance companies to negotiate prices for prescription drugs. If a pharmacy can make agreements to accept customers from more insurance companies, it can get more people in the door to fill their prescriptions — and pay whatever copay the pharmacy charges, often without a second thought.

“The linchpin of the scheme,” the case states, “is that the consumer pays the amount negotiated between the PBM and CVS even if that amount exceeds the price of the drug without insurance.”

This strategy, in which the PBM keeps the difference between the copay and the cash price, is referred to as a clawback. This cozy relationship between PBMs and pharmacies continues until a customer notices.

Bloomberg followed this issue for a while, explaining clawbacks in a February report that highlighted gag clauses that prevent pharmacists from informing customers about lower cash prices. Some states have nixed these gag clauses.

How to Ensure You Get the Best Price for Your Prescriptions

Suddenly doubting all the prescription copays you’ve coughed up over the years?

There are a few steps you can take to avoid a situation like the one in this lawsuit.

When you get a new prescription, don’t be afraid to call the pharmacy and ask what the price is if you pay cash. If the drug you need is pricy or doesn’t come in a generic form, you can also ask if the pharmacist knows of any discount programs or coupons.

You can also search for your medication and dosage on LowestMed or GoodRx to compare prices in your area.

Consulting your insurance company’s drug formulary will let you know if your new prescription is covered and fill you in on the copay you can expect.

Think CVS overcharged you for prescription copays? We’ll update this post if the case becomes a class-action suit

Lisa Rowan is a writer and producer at The Penny Hoarder.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Study: Lehigh Valley Health Network dominates medicare market

Study shows that more medicare patients choose LVH- Pocono

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This 19-Year-Old’s Saved $85,000 in 10 Years. Here’s Exactly How She Did It

Many Americans aren’t good at saving money.

This information isn’t new.

Let me give you a refresher: 33% of Americans have nothing tucked into their savings accounts, according to a 2016 GoBankingRates survey. And 35% of Americans have less than $1,000 saved.

In fact, not saving early enough topped a list of our financial regrets.

But once you’re able to break the paycheck-to-paycheck cycle, saving isn’t impossible.

Take note from this 19-year-old NewRetirement recently wrote about. Robyn Bri has saved more than $85,000 to date.

Granted, Bri has lived at home, but she’s also hustled hard since she was 8 years old.

“The first time I bought something with my own money, it immediately had more value to me because it was something I had to work to get, so I took better care of it,” she told me in a recent email exchange. “I think that’s what motivated me to start getting jobs and saving my money for certain things.”

Here’s how to save money like Bri.

1. Tackle the Art of the Side Hustle

At age 8, Bri started doing odd jobs for her neighbors.

Since then, she’s worked as a pet sitter, babysitter, housesitter and waitress. Bri estimates she works 28 to 32 hours a week and earns something between $3,000 and $4,000 each month, according to SFGATE.

I asked her how she manages to stay on top of her priorities. (In addition to her side gigs, she was also a successful student and volunteered.)

She says, “For me, I really had to stay organized and on top of my phone calls, emails, texts, etc. Writing everything down and using a calendar to stay organized was definitely crucial. With so many different things going on, if I don’t write one thing down I could screw up a whole day.”

Here’s how you can save: Bri isn’t yet 21, the age you have to be to start driving for ride-sharing services. But taking on a side gig as a driver can bring in substantial bucks

We chatted with a Lyft driver who makes up to $750 a week. Perhaps the best part is that he gets to set his own schedule.

Been thinking about giving Lyft a try? Signing up is pretty painless.

If you’re not into people, consider delivering food through UberEATS. Or check out these 50 other ways to make extra money on the side.

2. Practice Frugality

NewRetirement also reports that Bri doesn’t blow her money on clothes or entertainment expenses.

“Mostly I just tell myself, ‘I don’t need that; it’s not a necessity — you can live without it,’” she says. “But I do allow myself to have a small budget once a month for things like transportation, going to the city for a day, etc.”

She’s sure to calculate necessities into her budget, too, like her phone bill and gas.

Here’s how you can save: Budgeting on your own might be difficult, but apps are a good way to hold yourself — and your spending habits — accountable.

Try using something like the free Clarity Money app, so you can see where your money is going (or wasted). It also helps you negotiate your bills, and you can easily tap to cancel recurring expenses you no longer need (like magazines, gym fees, etc.).

The idea is to hold yourself accountable and be able to critically think about your budget. The app is free to download — the first step to being frugal.

3. Pay With a Rewards Credit Card

What Bri does purchase, she says, she charges to a rewards credit card that she signed up for last year. That way she can earn points back. She makes sure to pay her card off each month, too.

She says she doesn’t have anything she’s saving the points for — just for something in the future.

Here’s how you can save: There are tons of rewards cards out there, but one of our favorites is the Barclaycard CashForward™ World MasterCard®.

First off, you don’t have to pay any annual fees. You also earn 1.5% cash back on every purchase you make. Then, each time you redeem those rewards, you also get a 5% bonus to use toward your next redemption.

And if you manage to (responsibly) spend $1,000 within the first 90 days, you’ll bank a $200 bonus. Just make sure you pay your bill in full each month to avoid interest.

4. Open a High-Yield Savings Account

Bri says she keeps her money in a savings account and tries to stash money in it as frequently as possible.

I asked about her strategy for determining how much goes away and when. She says she plans to automate the process one day, but for now she just does it by hand.

“I usually will tell myself, ‘Okay, you just made this much money. You have to put at least this much in savings, then budget the rest into checking and into my spending budget,’” she says.

She keeps her money for everyday expenses in a checking account.

Here’s how you can save: For a long time, I kept my money in a stagnant checking account, but I recently transferred it to Aspiration’s Summit Checking Account, where I earn up to 1% in interest without paying any fees. That’s 100 times more than a typical checking account.

I also moved a chunk of money, the money I’m trying not to touch, to a high-yield savings account.

The goal is to make your money work for you, which Bri has already learned by 19. Jealous.

5. Start Investing

Bri says she has two self-investing accounts with Merrill Edge.

One is a Roth IRA, and the other is a self-guided account. She also invested in Apple stock when she was 16.

However, she admits she’s always been a little hesitant about the process. “…It’s a risky business, and the more you put in the more you can lose, but at the same time the more you can gain,” she says.

She advises people to research. She also suggests taking online quizzes to see how much risk is worth taking.

“I always make sure that I never invest all my money,” she concludes on the matter.

Here’s how you can save: If you want to start investing, but feel slightly intimidated like Bri, try using an app like Acorns or Stash.

Neither one requires more than a few dollars to start. Acorns basically takes the digital change from your debit or credit card purchases and invests it. You can also snag a $10 bonus when you make your first investment

Stash allows you to set a fixed amount to take out of your account each week. Plus you’ll get a $5 bonus when you sign up through this link.

6. Consume Tons of Personal Finance Advice

How did Bri know about all of these smart money moves? She said she read a ton of advice in books and on blogs (like The Penny Hoarder, right?).

But actually she says her all-time favorite book is “Rich Bitch.” “It’s an easy read, and the best part is it’s interactive, so as you read you are advised to write stuff down, start planning/getting your finances on track.”

Here’s how you can save: You can never know everything.

On personal finance matters, we have taken notes from some of our favorite “zillionaires” as well as these books and these podcasts.

Cheers to Bri, who’s headed off to George Washington University this fall on a full-ride scholarship. (Here’s where to find some.) She has an on-campus job lined up and plans to find another gig along the way.

Here’s another hearty shout out to NewRetirement, which initially shared her story.

Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which The Penny Hoarder receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We do not feature all available credit card offers or all credit card issuers.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She didn’t know a single thing about money when she was 18 — except that she wanted it.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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A Record Number of Jobs Are Open Right Now — Which Industries Have Them?

Well, it happened again.

Another month, another record number of job openings in the U.S.

In June, there were 6.2 million openings across the country, which is up 11% over the same month in 2016, according to the U.S. Bureau of Labor Statistics data released on Tuesday.

It’s the first time the numbers, adjusted for seasonal changes, have topped 6 million since the BLS started tracking them in 2007.

Sounds like deja vu, right? Last time we highlighted these figures, we were a little bit skeptical.

I mean, come on — does it truly feel like there are 6 million jobs openings in the country?

Elise Gould, senior economist at the Economic Policy Institute told us back then that our cynicism was well-placed. There were plenty of job openings in April, but new hiring actually fell by 64,000 from April 2016 to the same month this year.

“There seems to be an unwillingness to offer higher wages,” Gould said at the time. “You’d see that hire rate pick up if firms were offering higher wages.”

Fast forward a few months, and companies ended up hiring 178,000 new workers when you compare this June with the job market last June. Talk about a summer turnaround.

But where should you be looking if you need one of these millions of jobs? We’ve got you covered.

Which Industries Have the Most Job Openings?

The top five industries in terms of job openings are in the business and professional; healthcare; trade, transportation and utilities; and hospitality and food-service industries. 

The professional and business sector is pretty wide-ranging, so it’s not a surprise it has more than 1.2 million available jobs.

Health care jobs are usually recession-proof and grow steadily through good times as well. The best part? Most don’t even require a bachelor’s degree!

An overlap of the health care and hospitality sectors particularly stood out to us, especially after reading the International SPA Association’s U.S. Spa Industry Study.

For the first time in the history of the study, for which ISPA taps PwC for its analysis, the annual number of spa visits topped 180 million.

At 184 million spa visits in 2016, the number of people treating themselves jumped 2.5% over the last year. That means: Jobs.

“An increase in visits means higher demand of spa services, which demonstrates a very positive outlook,” says ISPA President Lynne McNees in a statement. “As jobs are created to meet this demand, we will continue to promote the benefits of a career in the spa industry.”

There are nearly 33,000 open jobs in the spa industry, according to the study. And they offer flexibility that the modern worker demands. Plus, all those tips could mean a decent income without a college degree.

Prefer not to touch all those icky humans? You could always become a dog masseuse.

And, as always, make sure to check out The Penny Hoarder Jobs Facebook page for a vast assortment of opportunities. Come on, there are more than 6 million out there, right?

Alex Mahadevan is a data journalist at The Penny Hoarder. His dog Josie is already too spoiled for a dog massage — or is she?

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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The Mind-Blowingly Cruel Way Scammers Are Targeting Owners of Lost Pets

Realizing your family pet has gone missing is probably one of any dog or cat owner’s greatest fears.

After frantically searching every nook and cranny of your home and checking all your pet’s favorite hiding spots, your next move is probably to take to social media.

You post a picture of your pet’s smiling face. along with your phone number, your pet’s name and a description of any special markings that set your pet apart. Then you mark the post public. You want everyone to be able to see and share it in hopes of reuniting your family.

According to Consumer Affairs, that might be a costly mistake, and it may not get you any closer to finding your pet.

Scammers Could Take Advantage of You and Your Lost Pet

Most people who see your post about your lost pet will feel sympathetic. Those who live in your town might even share your post in hopes of getting your pet back home to you.

While most people mean well, there are people who will use this moment of despair against you.

Scammers who see your post with all your personal information know you’re probably frantic and a little desperate, and they take advantage.

Owners of lost pets have reported getting text messages from people they later realized were scammers. In the text, the scammer claims they found the lost pet, the Better Business Bureau told Consumer Affairs. Then, when the owner asks for the pet’s description or a photo, the excuses start. The scammers claim they don’t have a working smartphone or are out of town and not with the pet, so they can’t take the picture.

“The scammer will then pressure the owner for money to return their lost pet, despite the fact that they did not actually find the pet,” Consumer Affairs reported.

Vulnerable pet owners might just fork over the cash in hopes of getting their furry family member back.

How to Find Your Lost Pet and Protect Yourself

The BBB says it may be better to skip technology and go old-school to find your pet.

Check out veterinarians and animal shelters within a 50-mile radius and leave flyers with photos of your pet at each one. Anyone who finds your pet will likely take it there first.

You can still post online, but don’t mention any special markings your pet has. If someone tracks you down and says they have your furry friend, you’ll know it’s legit if they can tell you about any special markings not visible in the photos.

If you get a call or text from someone claiming they have your pet, ask them to send you a photo. If they won’t, be suspicious.

You can also ask if it’s OK to call them back on the phone number they called you from. Consumer Affairs says scammers often use software to mask their phone numbers. If you can’t reach them on at the number they called you from, that’s a red flag.

Finally, Consumer Affairs says you should never send money to anyone you don’t know. Even if your mention a reward on your flyer, don’t wire any money to a stranger until your pet is back home safe and sound.

Desiree Stennett (@desi_stennett) is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Why Many Millennials Are Getting Prenups (Hint: Not Because They’re Rich)

Ever discussed (over a glass of wine or three) getting a prenuptial agreement with your future spouse?

It was probably at least a little uncomfortable, but having that conversation is more common than ever.

Millennials are notorious for putting marriage off until they’ve established a career or some semblance of financial security. But it also looks like many of them are tying the knot with an extra layer of financial security.

Jonnelle Marte of The Washington Post examined the trend of millennial prenups, citing recent data from divorce lawyers on the increasing frequency of millennial clients requesting prenups.  

Marte notes that prenuptial agreements have only recently come into vogue, with state acceptance of these documents coinciding with the rising divorce rate in the last 25 years.

But while the prenuptial agreements of the 1970s and 1980s protected one partner’s wealth from another (who probably stayed at home with the kids for the sake of tradition, cough), today’s prenups reflect the increasing amount of debt many of us carry from college into our 20s, 30s and beyond.

Some prenups don’t exist to protect either partner’s current net worth. Instead, they draw a clear line through debt repayment obligations and future business earnings.

Why Are Prenups up When the Divorce Rate Is Down?

Correlation and causation are not eternally tied, but hear me out on this one.

The divorce rate now is about 17 per 1,000 marriages per year, based on the latest Census Bureau data. That’s the lowest it’s been since the early 1970s. By 1975, there were 20.3 divorces for every 1,000 marriages. By 1980, the rate was up to 22.8 per 1,000.

Then, there was a slow decline before a brief spike during the Great Recession.

If you consider that the millennial generation began in 1982 and look at the divorce rate throughout the 80s, it all starts to make sense. A lot of millennial kids grew up with divorced parents.

Any kid who’s shuffled between mom’s place and dad’s place for a part of their childhood knows how divorce can wreck a family and its finances.

So can you blame millennials for waiting to get married? Can you blame them for playing it safe when making what’s supposed to be a lifelong legal commitment to another person?

They seem pretty smart to me.

How to Talk About Prenups Without Sounding Cold and Heartless

Among the many qualities millennials are known for is their openness in talking about finances. If you plan to tie the knot — or are just starting to get serious with someone special — it’s worth it to start talking about money.

Sharing your ideals about how you earn, manage and spend your own money can help you figure out the best way to do so as a couple and determine if a prenuptial agreement can put your joint financial future at ease.

If you have to uncork a bottle of wine to get through it, be my guest.

Lisa Rowan is a writer and producer at The Penny Hoarder. Her parents are divorced, if you couldn’t guess.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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These States Have the Most Credit Card Debt. Did Yours Make the List?

Credit cards are powerful little pieces of plastic.

You can swipe away until you hit your cap. Even then, you might already be ankle deep in debt. Then consider interest rates, which cause that debt to continue to build…

OK, enough of that. I’m getting anxiety just thinking about it.

Unfortunately, many people live with credit card debt.

Credit education website Credit Sesame was curious: Which states have the highest and lowest amounts of credit card debt?

It looked at 2 million people in its database. Of those people, it collected data from 6 million credit cards.

Here’s what it found.

6 States With the Most Credit Card Debt

Credit Sesame calculated the average debt per account for each state. These five proved to have the most debt.

  1. Indiana — $5,250
  2. Alaska — $4,348
  3. West Virginia — $3,565
  4. Arkansas — $3,386
  5. Louisiana — $3,270
  6. Mississippi — $2,949

Here’s How to Find Out How Much Credit Card Debt You Have

Want to know where you personally stand when it comes to credit card debt?

Pull a free credit report from a site like Credit Sesame. It’ll break down what you’re doing right, what you’re doing wrong, and even offer tips on how to spruce things up a bit.

If you’re having trouble getting started, take notes from these people, who collected a total of $250,000 in debt — and then paid it off.

Ready to pay off your credit card debt?

If you fall behind on your credit card debt, you may find yourself getting crushed by interest rates north of 20%. You’ll never catch up that way. You’re spending so much on interest, you’ll never pay off your balances.

It might be worth consolidating or refinancing your debt.

By refinancing an existing loan, you’re taking out a totally new loan, which comes with new terms and (ideally) a lower interest rate. Credible is an online marketplace that offers consumers personalized loan offers. Think of it like Zillow — but for personal loans.

Rates start at 5.99%, and you can check yours by entering a loan amount here ($500 to $40,000) and comparing your personalized options in under 90 seconds.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She didn’t start using a credit card full time until last year. Even so, she’s still paranoid about paying it off each month, but she appreciates the airline points.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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These 6 Work-From-Home Writing and Editing Jobs Are Open Right Now

Most of the writers and editors I know love to work from home. It’s where all the good snacks, dogs and comfy couches are.

If you’re also a writer or editor who loves to work from home, you’ll want to check out these four companies that are hiring full-time and part-time remote workers right now.

Brace yourself. The pay and benefits for some of these jobs are jaw-dropping.

But if none of these jobs is for you, be sure to check out our jobs page on Facebook, where we’re always listing new work-from-home jobs.

1. News and Politics Writer at Bustle

Women’s news and lifestyle website Bustle is looking for part-time remote news and politics writers. This is a staff position that a company representative tells me comes with some benefits.

According to the job listing, the position could be for three to four days a week, but a minimum commitment of at least two days per week is required.

Pay: $15 to $35 per hour, commensurate with experience.

Responsibilities include:

  • Writing breaking news quickly
  • Juggling multiple articles at once
  • Monitoring social media for viral and top news stories
  • Incorporating digital content into articles

Applicants for this position must have:

  • Availability of two days per week, minimum
  • At least two years of writing or blogging experience
  • Degree in journalism, communications, political science or a related field
  • Strong journalistic integrity and ethics
  • Knowledge of SEO
  • Evening, overnight and weekend availability desired

Apply here for the news and politics writer job at Bustle.

2. Freelance Content Manager at Dotdash

Educational content website About.com has rebranded itself as Dotdash and is looking for a remote full-time freelance content manager to help shape and define the site’s new direction.

Pay: $25 per hour

Responsibilities include:

  • Editing content
  • Working with a team of freelance writers
  • Improving and replacing images on the site
  • Curating and promoting email newsletters and social media content
  • Identifying new opportunities and editorial coverage gaps

Applicants for this position must have:

  • A passion for working with writers to edit and improve content
  • A talent for creativity and problem-solving
  • 2+ years of experience curating and developing web, email and social content
  • Experience with content management systems and web analytics tools

Apply here for the freelance content manager job at Dotdash.

3. Fantasy eSports and Soccer Beat Writers at RotoWire.com

Fantasy sports website RotoWire.com is hiring part-time work-from-home writers with an affinity for gaming and soccer.

Pay: Quarterly monthly stipend after probationary period

Responsibilities include:

  • Writing individual player updates with appropriate citation
  • Writing player-focused match recaps
  • Verifying player database accuracy

Applicants for this position must have:

  • Fantasy eSports: Expert knowledge of “League of Legends,” “Dota 2,” “Call of Duty” and “Counter-Strike: Global Offensive.”
  • Fantasy soccer: Expert knowledge of the five major European soccer leagues: the English Premier League, La Liga (Spain), Serie A (Italy), Ligue 1 (France) and the Bundesliga (Germany).
  • Strong writing skills
  • Ability to work with minimal supervision

Benefits include:

  • A free subscription to RotoWire
  • Access to exclusive website content
  • Access to staff fantasy sports leagues
  • Potential to have your work on ESPN, CBS and other media outlets

Find details here on how to apply as a beat writer at RotoWire.com.

4. Marketing Copywriter at Student Loan Hero

Financial education website Student Loan Hero is hiring a full-time remote writer to create web page and email content to educate and inspire readers.

Pay: “Competitive” based on experience and location.

Responsibilities include:

  • Developing new email marketing funnels
  • Discovering weak spots in the website’s content
  • A/B testing new copy
  • Increasing conversion rates  

Applicants for this position must have:

  • Bachelor’s degree
  • At least two years of experience
  • Experience in multiple content formats, including email and web pages
  • Familiarity with SEO
  • Full-time availability

Benefits include:

  • Unlimited vacation
  • Vested company shares
  • Flexible work hours
  • Health insurance
  • $2,000 technology stipend
  • $100 per month continuing education budget
  • Retirement account or student loan repayment matching

Apply here for the marketing copywriter job at Student Loan Hero.

5. Part-Time Weekend Editor

News website Vox is hiring a part-time weekend editor with a deep understanding of policy and politics to work 8 a.m. to 4 p.m. EST on Saturdays and Sundays.

Pay: Not listed, but I’ve reached out to the company and will update when I know more.

Responsibilities include:

  • Assigning and editing stories from weekend news writer
  • Editing and copy editing stories from staff reporters

Applicants for this position must have:

  • Editing experience
  • Strong news judgement
  • Background in U.S. policy and politics
  • Knowledge of current events
  • Solid understanding of SEO and social media

Apply here for the part-time weekend editor position at Vox.

6. Full-Time Copy Editor at Vox

Vox is also hiring a full-time editor with a deep understanding of policy and politics to work the 1 p.m. to 9 p.m. EST shift, Monday through Friday.

Pay: None listed, but I’ve reached out to the company and will update when I know more.

Responsibilities include:

  • Editing and copy editing stories from staff reporters from a variety of beats
  • Facilitating content workflow
  • Building and maintaining Vox style guides
  • Collaborating with social team on packaging stories
  • Line editing news stories during evening hours

Applicants for this position must have:

  • Minimum of four years of editing experience
  • An excellent eye for detail
  • Knowledge of U.S. policy and politics
  • Fact-checking experience
  • Knowledge of AP style
  • Strong organizational skills
  • Solid understanding of SEO and social media

Apply here for the full-time copy editor job at Vox.

Lisa McGreevy is a staff writer at The Penny Hoarder. She loves telling readers about new job opportunities so look her up on Twitter @lisah if you’ve got a tip to share.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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