Is She the One? When You Should Pop the Question

1-Wedding_ringsCommitting to your lady can be a tough choice, especially when the divorce rate gets higher every year. After all, you don’t want to take the time and money getting married only to have it end in a few months. There’s no set amount of time that you can be with someone that will prepare you for marriage, so take a look at where you are. Do you feel like committing is a possibility? If so, then keep reading for a few more hints that it’s time to put a ring on it.

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Living Together

2-marriage1Living together before marriage is the best idea for a lot of reasons. For one thing, you can have someone help you with rent that way. Extra income is always nice. For another thing, it gives you a taste of what married life would be like. If she drives you nuts when you’re just living together, then she’d drive you off the deep end if you married her. Couples that are meant to be together really enjoy living together. It’s like having a sleepover with your best friend every night. If things don’t feel like that to you just yet, it might not be time to throw in the towel on bachelor life. Don’t rush into a marriage just because you two live together. If it’s been a while and you do feel happy living together with her, though, that’s a good sign that you two would work just as well in the long run. Start getting that proposal ready!

Picking Out Furniture

Nothing says “married” more than making joint decisions, and furniture’s a pretty big thing to go in on together. When a couple first lives together, you bring your own stuff and don’t pick out much as a pair. Furniture is a big commitment, and don’t think she hasn’t noticed. Women go nuts over those things. If you two are picking out furniture together, you’re nearly married as it is. For some, this can seem too sudden or forward. If you’re not bothered by it at all, if it seems natural, then it might be a sign that you’re ready for the next step.

This applies for all sorts of furnishings, not just couches and chairs. Even buying curtains can be a huge sign of commitment. Starting to combine all your furnishings means that you aren’t planning on going anywhere, and if that sounds pretty sweet to you, then marriage is definitely on the horizon.

Could You Exist Without Her?

This is the most important question for you to ask yourself before jumping into a marriage. You’ll (hopefully) be with her for the rest of your life, and it’s important to know that you’re making the right decision. Take some time alone, maybe take a solitary vacation and see how you feel. Do some soul searching. It sounds lame but it can really help you out if you’re on the fence. Taking time away from her will make it clear to you whether or not you can exist without her. At least, can you exist happily? It can be hard, but imagine losing her. Would it affect you forever, or would you get over it pretty quickly? If the answer is that you’d get over it quickly, then marriage might not be the best choice. The time you know you’re ready for marriage is when you start to love her and prioritize her over yourself, and know that your whole life would be worse without her. If you can’t say that with complete confidence, then you can’t say your vows and mean them. The worst thing you could do is get married without being sure that it’s the right decision to make. It wastes your time and money as well as hers, and it hurts everybody around you. Before popping that question, the best thing you can do for the both of you is be confident that you’ll work out for life.

Making Money on Amazon Marketplace

Making Money on Amazon Marketplace

Whether you have bills to pay or just have some extra junk laying around that you’d like to get cash for, Amazon Marketplace may be worth checking out. You can create a seller account for no charge and start setting up items for sale right way. It’s cheaper than eBay, is more likely to sell than Craigslist and will definitely get you more bang for your buck than a pawnshop would.

Why Amazon?

You Can Buy Just About Anything On Amazon
You Can Buy Just About Anything On Amazon
Amazon is one of the world’s largest online retailers, selling everything from books to toilet paper to actual groceries that can be delivered to your door. Unlike eBay you don’t have to pay a dime if your listed item doesn’t sell, and your item will stay up there in the market place until it does. Fees are only taken after the sale is made. The images and descriptions are provided by Amazon; all you have to do is list that you have the item and in what condition. You’re also far less likely to get scammed on Amazon as Amazon has a much better customer and seller performance rating than other reselling sites.

Easy Listing

After verifying the condition of your item, browse Amazon for it. This is quicker and easier if you happen to have access to a bar code or UPC code since that will allow you to make sure you’re listing the exact right model. On the page to the right, beneath the link to view all the used & new buying options, you should see a button that reads “Sell yours here.” Clicking that will take you to the selling wizard, which is a breeze to use. Simply select the quality of your item (like new, very good, good, etc) and list any specific details. If your item comes with extras or doesn’t include certain things that it would brand new, this is the place to list it. If you see all the other sellers for this item are selling from Japan, you may want to list that your item ships from America so the buyer knows your item will arrive more quickly than everyone else’s. Set a price that’s competitive to everyone else’s, which Amazon makes easy by generating for you, and hit send. You’re done! Now you sit back and wait. Once the item sells, ship it off and Amazon will add the money to your balance.

But How Much Will I Make?

Electronics and books sell well on Amazon
Electronics & Books Are Very Popular On Amazon
It depends on what you’re selling, and in your sellers inventory Amazon will give you an estimate of how much in fees they plan to take out based on the item. Generally the way the formula works out is you have the sale price of the item plus the credited amount for whatever shipping option was chosen. From that you less Amazon’s commission, which is between 6% and 25% of your sale price. There’s a variable closing fee (which is also estimated in your Amazon inventory), and then you have your total remaining. So how much you make really is determined by what you’re selling and when. Electronics and books sell well on Amazon, for example, as do dolls and games around October when people start doing their holiday shopping. You really get the best profit off of books here than even trading in at your local book store. Assuming you sell the book for .01 and then have a $3.99 shipping fee, that’s $4 total and close to $2 after fees per paperback book, which is one fourth or more what you probably paid for the book in the first place!

4 times You Should Use Your Student Loan Forbearance Options

4 times You Should Use Your Student Loan Forbearance Options

Most student loans have a certain amount of forbearance options, which basically means a period when you don’t have to pay, but interest still accrues. Forbearance is a good idea to use in emergencies only. If you can discuss a better solution for a payment plan you can handle with the student loan company, then you should always go that route first. Over the life the student loan, whether it’s federal or private, you only have a certain about of forbearance time available, and then after that you’ll be expected to pay no matter what the circumstances. Federal loans generally have a longer time of forbearance than private loans. Sometimes, private student loans won’t offer forbearance options at all, so it’s good to review that part of the loan terms before signing on the dotted line. If you do have forbearance available to you, though, there are only very specific circumstances in which you should use it. If you have a loan that’s spread over many years, a lot can happen in that amount of time. Having an emergency back-up is good, so if you can delay using forbearance, do so. On the other hand, here are four situations where using forbearance is an advisable move.

You Lose Your Job

If You Are Unemployed a Forbearance Can Help
If You Are Unemployed a Forbearance Can Help
Losing a job is one of the worst things that can happen to anyone, and this is especially true if you’re a recent college grad who’s still paying off loans. Although you might be able to collect unemployment if you were laid off, that’s not going to be enough to pay your bills on top of your basic needs, such as food and shelter. This is a good time to use the forbearance on your student loan. Make sure you’re starting the forbearance at the right time, though, and use any payment grace period you might have before requesting your loan go into forbearance. The best way to establish what options you have available to you is to simply call the loan company and discuss it with a representative. Make sure you write down everything they say, the time and date that you spoke, and get the customer service associate’s name. This will help ensure that any information you receive is honored later. Sometimes you’ll be eligible for a reduced payment or other incentives to prevent you from defaulting on the loan, so explore those options first. Loss of employment is an appropriate time to use forbearance, though.

Paying off Debt with Higher Interest Rates

Always Pay Off Debt with Higher Interest Rates First
Always Pay Off Debt with Higher Interest Rates First
If you have a lot of credit card debt or other types of debt with particularly high interest rates that’s eating a hole in your bank account, it can be worth putting a student loan into forbearance to tackle the other debt. However, be very careful that the interest rate on the student loan itself isn’t actually more than the credit card. In essence, there’d be no point in trying to prevent interest from accruing on a credit card if you’re accruing the same interest rate on your student loan balance. This is also a huge waste of forbearance time. Only use this option if you have a huge balance on a credit card that you need to pay down, and will give you a financial leg up in the long run.

Medical Emergencies

Man in the HospitalMedical emergencies are a big reason that many people use any kind of forbearance they have on student loans, and even declare bankruptcy. Hopefully you never find yourself in this situation. However, if you do, having the ability to put a hold on your student loans without defaulting keeps your credit score intact and also allows you to deal with unexpected bills if necessary. This is especially important if you’re uninsured, and will be expected to pay the medical costs associated with your treatment.

Moving House

Sometimes, it’s inevitable that you need to move house. Whether it’s because your lease is up or you’re saddled with some kind of unfortunate situation you can’t escape, moving is expensive. Due to the fact that finding a place to live outweighs paying student loans on time, if you need a few extra months of income to successfully find a safe, secure place to live, it can be worth using the forbearance. Forbearance is also doled out in months, so usually you’re not forced to take a forbearance period all at once. You can request to only use a few months worth due to financial hardship, and the vast majority of the time your request will be granted. This can be a worthwhile use of forbearance if the extra money will help you successfully relocate and resettle, at which time you can pick the payments back up.

How to Beef Up a Resume Even If You Have Little Experience

How to Beef Up a Resume Even If You Have Little Experience

When you are low on experience and don’t really have anywhere to go in terms of attaining that experience, it can be next to impossible to get a job. The job market is a competitive place and without an amazing resume it is more than likely that you will be dropped in favor of someone else with more experience and a more padded resume. If you want to be competitive in the job market, you will need an impressive resume full of experiences that you have had that will make you a good fit for the job and a generally appealing person. So get to work on your resume and add as much as you can to make yourself look great.

Service Work

Everyone loves someone who helps those in need. If you have ever done service work for school, church or charity you should put that into your resume. It connotes a desire to work hard and help people, which are appealing qualities for anyone looking at your resume. So be sure to include what kinds of service you have done and how it helped the people you were working for. Even if it wasn’t paid, you’ll be able to show that you have been successful working before.

Leadership Roles in School

Resume SkillsAny position in leadership you have will look good on your resume, even if it was running a club or school government. It tells the person that you have the capacity to take charge and that you were of value to the establishment that you were in. All these qualities are sought after in new employees, and establishing you have these capabilities will make your potential boss take an interest in you.

Sponsored Events

If you have participated in any sponsored runs or other sporting events, it could be a good idea to mention. These kinds of events speak of your athletic abilities and determination. If your job requires legwork at all, letting them know that you are athletically gifted could wind up being a selling point. Mention the lengths or running you did and what the events were for, but don’t go too far beyond that. Let them infer what they need to from the events on your resume, and then see if it makes the cut to be hired.

Character References

Bulking up your resume with lies and false recommendations never works
Bulking up your resume with lies and false recommendations never works
Your parents do not count as a character reference. However, teachers and people who have run events that you have scheduled are perfectly capable and useful when trying to mold your character and make yourself appealing to the person reading your resume. Make sure that you are candid and honest about yourself and the things that you do, as that will be the most important part of your interview. Bulking up your resume with lies and false recommendations never works, we all have flaws and that is okay. The point of it all is that your merits outweigh the problems you have, and that is what makes a resume good.

Knowing When It’s Time to Cut Your Child Off

Knowing When It's Time to Cut Your Child Off

Being a parent is one of the most difficult things that you will ever do, and it’s especially difficult when your child is grown and you have to cut them loose. If you have a child who is still depending on you or taking advantage of you in terms of money, it’s extremely difficult to cut them off from taking your money. You may feel extremely guilty for this, but it’s something that you’re going to have to do it some point or another. Everyone wants to provide for their child as long as possible, but sometimes your child needs to learn responsibility and not have an easy access to your money. If your child is just taking advantage of you and taking your money, you need to know exactly when it is time to cut them off. If you have never consider this before or you are dealing with the situation in you don’t know what to do, here’s what you need to be keeping in mind.

Why Should You Ever Do This?

Don't Let Your Child Take Advantage Of You
Don’t Let Your Child Take Advantage Of You
You may not understand why you should never do this, but it really is quite simple. Sometimes, your child is just going to wind up taking advantage of the fact that they can get money from you whenever they want it. An allowance is one thing, but if your child is grown and still demanding money so they can spend it on leisure or luxury items, you need to be aware of the fact that that’s not okay. There are some points when your child just needs to learn that you are not a bank or a free ride, and they need to accept that fact at some point. Cutting your child off and refusing to give them any more money for those sorts of things is probably going to be a good idea.

Knowing When They’ve Gone Too Far

Know When They've Gone Too Far
Know When They’ve Gone Too Far
Of course, you need to know exactly when your child is going to far so that you can understand when this is not acceptable. If your child is an adult and is asking you for tons of money to spend on concert tickets or things for their friends, then this is not a good situation for you to be in. It’s also just not acceptable. You need to be very careful of the site your child doesn’t wind up taking advantage of you needlessly. It’s not something that you should be allowing, so you do need to be extremely careful about the sort of thing.

Sticking to Your Guns

Stick to your gunsIt’s definitely difficult to do this, but you need to know how to stay firm and stick to your guns. Lay down the line make sure your child knows exactly why you are cutting them off and what you are cutting them off for. You obviously still want to provide for your child if they are struggling financially, but it can always be about getting what they want. You need to make this clear and stick to your guns. It’s going to be difficult and is going to make you feel guilty, but it’s just something that you are going to have to do.