First things first. Collect your change!
This one is so obvious it hurts me when I see someone with change just laying around all over the place. Consolidate it and trade it in for cash!
I am probably beating a dead horse by saying this, but god it must be GREAT to be a meteorologist! Yesterday was January 26, 2015, and there was this supposedly HUGE snow storm that was going to leave Bucks County out of commission. Well today is January 27, 2015 and I am sitting at my lovely decorated cubicle….working.
Let me be clear. I love my job, but who doesn’t love a good ol’ snow day?!
With images like this shouldn’t I have been excited?!
NOPE! We got like 1, but the roads were still bad enough to have all the schools in the area closed. (And for that I hate all of you who have the day off)
So to all of you who are looking for a career, allow me to offer you some advice. Become a meteorologist. I realize there is a lot of science that plays a role in this, but it’s such a sweet deal. You can barely know what your talking about and still have a good enough chance to call the weather like all the greats! Plus the median salary is $89,260. Not too shabby honestly.
Enjoy your day off everyone…..I guess I’ll get back to work.
This is the image many Basketball fans got to witness in a recent L.A. Lakers game. From what I gather Ferrel was there to promote his movie “Daddy’s Home” by taking the half time – half court shot.
His obvious target was this poor woman’s face and not the net at all. Although he isn’t known for athletic ability so what do I know.
What I Do know, is Will Ferrell is a Marketing genius and knows how to create BUZZ. Just take Anchor man 2 for instance..
His Dodge commercials were quoted and loved when he promoted their newest model as his Anchorman character Ron Burgundy.
Want to get noticed? Throw a ball really REALLY hard at someone!
And you know what? You absolutely should be spending your money!
Everyone tells us “Save your money!” “Invest in Apple!”
Well I’m tired of hearing it and you should too! We know saving and investing is important,if you don’t we have about 25 other blogs that explain why it is. In fact if you ever wondered how rich people stay rich, it’s because they invest. Saving is easy, it’s spending your money correctly that’s hard.
What does that mean? Understanding what you CAN have and what you CANNOT have.
Here’s where we start.
..and this is where I lose most of you, but for those of you who stuck around listen! Yeah this is boring. Like watching paint dry boring, but if you don’t do this then you are going to find yourself getting into sticky financial situations. So sit down, find out how much money you have, how much do you have to keep to the side for bills, and how much is yours to do whatever you want with. After that now it’s time to decide how to USE this money.
(I’m aware that joke sucked, but worship my Photoshop skills!)
With the money you have for yourself you gotta make it last! You know that saying “Don’t go spending it all in one place!” that grandma usually says. Well go figure, she was right. Maybe don’t roll your eyes while nodding your head at dear ol’ grannie! Turns out she’s smarter than you! If there is something that is more on the expensive side that you want, THAT’S WHAT SAVING IS FOR!
If you have $100 and you want to buy something that costs $50, for instance a video game or shoes. This is one of those moments you can by the game, but realize now you can’t go to that movie and dinner with your friends.
However, if you decide on going to the movies buy snacks at CVS instead of at the AMC movie theater. (Although if you get caught I will deny ever saying this)
And lastly, for the love of all that is holy! DO NOT, FOR WHATEVER REASON, use your credit card for something that is expensive that you do NOT need. (Xbox one, PS4)
Long story short…..just think about what you are about to use your money for before you spend it. Thanks everyone. Go shop or something.
WHAT!? NO NO NO NO NO!
Okay let me recollect myself for a moment…..
As you know the nominations for 2015 have been released. If not, I would look at THIS before continuing on. Specifically the Animated Films.
*Deep Breath” THE LEGO MOVIE WAS NOT NOMINATED!
“What? But I saved everyone from the Kragle!”
I know Emmet, you are now and always will be our Special.
Now into the other subcategories…. like Best Picture!
Of these I must have seen 2, which seems to be the case every year! The movies I end up seeing the most are the films that spend more of their money on marketing the film than they actually spend on making it watchable. For instance…
Pardon my language, but this movie is total POOP!
So if any of you can give me your opinion on these movies I’d appreciate it!
In the meantime. Make sure Everything Is….
Yes. Banking can be placed in the same category as watching paint dry, but it’s a skill we all need.
Yep sure did. Many people think banking is nothing more than opening a checking and savings account.
I’m glad you asked sir….errr…mam
First and foremost is picking out the right bank. That means shopping around for a bank that won’t cost you money. Banks are infamous for feeing you to death and robbing their costumers of their money.
Simple Fees to be on the lookout for are:
Which means if you don’t have a certain amount of money they will take money from you. (In other words, if you don’t have money they think it’s a good idea to take more money from you)
They fee you for having an account. Some have requirements that can have this fee waived, but it’s still stupid.
And my personal favorite
Because you decided to conduct a transaction with one of their tellers! ARE YOU KIDDING ME?!
So there is step 1 of banking. Finding a financial institution who will actually provide you the BEST service and won’t cost you much to bank with. I recommend Credit Unions personally…..
More specifically Inspire Federal Credit Union. Check out their site at www.inspirefcu.org, they might just be a perfect pick for you.
I’ll teach you the next set of skills that are required to bank well in the next post. See ya!
Here are Inspire’s three In-School branches. (Formally known as Bucks First. That’s why you see that name on two of our branches. That should be updated in the near future.)
They are located at Truman High School, Palisades High School, and Poquessing Middle School. It should be noted that these branches can only be accessed by students and faculty of the said schools. So don’t get any wise ideas trying to gain access into a school you don’t attend, it won’t work out well for anyone involved.
These branches are fully operational and are used for everyday transactions, but that is not their sole purpose! These branches are run by the students of this school. Each branch has students working the teller line, taking transactions, and learning everyday procedures of the Credit Union. A student advisory board will be built as well. This board will find ways to market the branch in the school to increase transaction volume. This will give the students a dry run on what it’s like to run and grow a company.
The branches will also be competing with each other, not in the regards of transactions, but in decoration competitions for holidays and events throughout the year! Be on the look out!
Financial Aid Terms
FAFSA? Master Promissory Note? Subsidized vs. unsubsidized loans? If you’re lost already, you’ve come to the right place. Consider this brief lesson a prelude to all the studying you’ll have to do in college, and keep this as your handy cheat-sheet.
FAFSA ~ Free Application for Federal Student Aid. It’s a standard application used to determine eligibility for the majority of financial aid, including federal loans. You’ll have to fill out a new one each year that you apply for aid, even if you stay at the same school.
Alternative loan ~ Also called a Private Student Loan. Credit-based, financed through a financial lender with payments deferred until you finish school.
Award letter ~ Official document from secondary education’s financial aid office that informs you of all the financial aid being offered to you.
Consolidation ~ The process of combining all outstanding student loans into one, often with extended repayment terms. This loan is only available for those individuals who have completed school.
Dependent student ~ Any student who depends financially on his or her parents’ income and assets. Considered heavily in awarding financial aid to particular individuals.
Independent student ~ To be classified as independent, an individual must meet any one of the following criteria:
Gift aid ~ Aid that students are not required to pay back, like grants and scholarships.
Lender code ~ Each financial institution has its own lender code used to indicate they are the ones funding your aid.
Master Promissory Note ~ A legally binding contract that includes all terms and conditions under which a borrower promises to repay a loan.
Subsidized loan ~ A federal loan in which the government pays the accruing interest while the student attends school at least half-time, as well as during the grace period and deferment times.
Unsubsidized loan ~ A federal loan not based on need. The borrower is responsible for paying the accrued interest at all times.
Buying a Car for the First Time
Picture this: You’re 22, just out of college, starting a new job, and now you need a car. Being an independent college grad means buying a car on your own, right? Right. Except when you get to the car dealership you’re told that you’ve been denied for a car loan because you don’t have any credit. “No credit? How am I supposed to get by in the real world with no credit?” That’s where we come in.
“THANKS CREDIT UNION!”
“YOU’RE WELCOME MEMBER!”
We realize how difficult, frustrating, and bewildering the car buying process can be – especially when no one seems to want to take the chance on giving you a loan. Inspire Federal Credit Union wants to give you the chance you deserve.
With our First Time Car Buyer Program you can borrow up to $20,000 at a very competitive rate. But there’s more…
Plus, as an added bonus, we’ll give you a $50 WaWa Gas Card when you sign for the loan!
So check out Inspire FCU and see how they can help you get a new set of wheels!