$65000 a Year is How Much an Hour? Good Salary of No?

65k salary is a good hourly wage when you think about it. When you get your first job and you are making just above minimum wage like $16 an hour, making over $65,000 a year seems like it would provide amazing opportunities for you. Right? The median household income is $68,703 in 2019 and increased … Read more

Read More… $65000 a Year is How Much an Hour? Good Salary of No?

Source: moneybliss.org

10 Productive Ways to Use Your Stimulus Check

Many Americans have recently received stimulus checks or will be getting one soon. Here are 10 ways to use your stimulus check productively.

The post 10 Productive Ways to Use Your Stimulus Check appeared first on Bible Money Matters and was written by Marc. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Source: biblemoneymatters.com

Get More From Your Credit Cards This Holiday

If you haven't started thinking about the holidays yet, they're right around the corner! That means it's time to start making plans and strategizing ways to save money. A rewards credit card is an excellent tool for spending, getting benefits, and boosting your budget during the holidays.

To discuss tips for getting get more from your credit cards, I interviewed Kristy Olinger, a Credit Card Product Manager at Citizens. She's spent decades working in the credit card industry and knows a lot about consumer behavior, often-overlooked card benefits, and ways to use cards safely. She also co-hosts her own podcast, The Opposite of Small Talk

8 Ways to Make the Holidays Less Expensive and More Memorable

Kristy and I had a great conversation about how to kick off the holiday season with wise shopping strategies and what to do if you regularly end up with a debt hangover in January. Here are a few of the topics we cover on this Money Girl podcast interview:

  • Holiday planning tips that help you stay out of debt.
  • How to use credit card rewards to stretch your holiday budget further.
  • What is an extended card warranty and when to use it.
  • The importance of reviewing your cards' benefit guides.
  • Why it's critical to use a credit card instead of a debit card online.
  • How using a card in a digital wallet gives you more cyber protection.
  • Which credit card is best for different types of purchases.
  • When to use a balance transfer credit card to manage debt.

Listen to the interview using the embedded audio player or on Apple PodcastsSoundCloudStitcher, and Spotify.

What questions do you have about using credit cards wisely, paying off debt, or building excellent credit? Leave a voicemail for Laura by calling 302-364-0308. Follow her on Instagram and sign up for her weekly newsletter at LauraDAdams.com.

Source: quickanddirtytips.com

How To Earn Cash Back While You Shop With RebatesMe

Looking for a cash back website? Wondering how cash back sites work? Welcome to my RebatesMe review, where I will talk about how you can save a lot of money by simply shopping online just how you normally would.

Cash back websites are great, and if you haven’t been using one all of these years, well, you’ve been missing out on some easy money!RebatesMe Review

But, no worries, you can simply learn all about this now so that you can earn some easy money on your online purchases.

And, if you’re anything like most people, you probably already shop online a decent amount.

Cash back websites allow you to earn cash back, and easily apply coupon codes to your online shopping, without really any extra work. The cash back websites do everything for you.

And, this is where RebatesMe comes in.

RebatesMe is a cash back site that offers cash back to you at over 4,000 online stores.

In this RebatesMe review, we will go over:

  • What is RebatesMe?
  • How does RebatesMe cash back work?
  • How to get the $30 RebatesMe sign up bonus
  • How to withdraw your cash back
  • How cash back sites like RebatesMe earns money

And more!

If you sign up for RebatesMe through my referral link (or by using my referral code SS7HGG), you will receive a $30 sign-up bonus that will automatically get added to your account. Once you accumulate $10 in cash back through online purchases, you can cash this out. This is a high sign-up bonus and super easy to reach!

Here’s my RebatesMe review.

 

What is RebatesMe?

RebatesMe is a cash back website that allows you to earn money when you shop online.

They offer cash back to more than 4,000 online stores so that you can earn cash back while you shop, eat, travel, and more.

RebatesMe was launched in 2013 in Oregon. They have over 350,000 users and have given over $30,000,000 in cash back already to their users.

 

How does RebatesMe cashback work?

Earning cash back with RebatesMe is simple:

  1. Sign up for RebatesMe
  2. Shop online. Either download the browser extension or find the online store on RebatesMe.
  3. When you click an RebatesMe link, you’ll see a pop-up letting you know you’re ready to shop and earn cash back at that online retailer.
  4. Complete your purchase as you normally would when you shop online.

And, that’s it!

The online retailer will let RebatesMe automatically know that you made a purchase, and then RebatesMe will add your cash back amount to your account. You will receive an email confirmation once this is complete. This may take a few hours to several days, but it will happen.

 

How to get the $30 RebatesMe sign up bonus

Getting the $30 RebatesMe sign up bonus is easy.

Simply follow these easy steps:

  1. Sign up for RebatesMe through my referral link
  2. Earn $10 in cash back within the first 365 days to earn your sign-up bonus

 

How do I withdraw my cash back?

You can easily withdraw the cash that you’ve earned through Rebates Me via PayPal, debit/credit card, check, or a gift card.

Remember, you will need $10 in accumulated cash back to cash out your sign-up bonus.

 

What websites can I earn cash back on?

There are over 4,000 online retailers in which you can get cash back on your purchase. These include:

  • Walmart
  • BackCountry
  • eBay
  • VRBO
  • Zappos
  • Macy’s
  • Sephora
  • Nike
  • Home Depot

And so much more.

The different categories include department stores, fashion, beauty, sports, outdoors, health, baby/kids, jewelry, electronics, travel, home, pets, and more.

 

What is the RebatesMe browser extension?

The RebatesMe browser extension is a great thing to add, especially if you’re like me and tend to forget to use cash back websites when shopping online.

For me, I may forget, and then I will get slightly upset that I forgot to save money!

It’s such an easy way to save money, so adding the browser extension simply reminds you so that you don’t miss out on cash back.

The RebatesMe browser extension will give you a pop-up reminder when you are shopping online. This pop-up will show you any available coupon codes, as well as the current cash back percentage at the store you are shopping at online.

 

Can I use a coupon code and get cash back?

Yes, you can still use a coupon code plus get cash back. RebatesMe even helps you to do this, by scanning for coupon codes for you to use.

 

Can I still use my cash back credit card when getting cash back through RebatesMe?

Yes, you can use a cash back credit card or debit card as well, as they are completely separate.

This is a great way to stack savings and get even more cash back.

 

What is the RebatesMe referral bonus?

If you refer a friend to RebatesMe, you will receive a $10 referral bonus.

If someone you refer signs up for RebatesMe and makes a qualifying purchase, you both will actually earn bonuses from RebatesMe, which is a win-win!

 

How long does RebatesMe take?

I discussed this in a previous section, but I know it’s an important one.

The online retailer will let RebatesMe automatically know that you made a purchase, and then RebatesMe will add your cash back amount to your RebatesMe account. You will receive an email confirmation once this is complete.

This usually takes anywhere from a few hours to several days.

 

Is RebatesMe real and legitimate?

Yes, RebatesMe is a real and legitimate cash back website.

 

How does RebatesMe make money?

Okay, this is probably your next question. After all, how does RebatesMe afford to pay you the cash back?!

Cash back websites, like RebatesMe, don’t charge money for their services. So, RebatesMe is completely free for you to use.

Instead, RebatesMe earns income by sending people to certain online stores.

 

What is the RebatesMe account maintenance fee?

If you don’t shop online very often, then this is something to be aware of when it comes to RebatesMe.

If you have not earned cash back in more than 12 consecutive months, then RebatesMe may charge your account balance $4.99 per month “to recover the cost of account maintenance in its normal course of business until you reactivate your Account by earning Cash Back or until your account balance is zero.”

 

My RebatesMe Review – Is RebatesMe worth it?

Yes, I definitely think that RebatesMe is worth signing up for.

Getting cash back for shopping just like you normally would is a no brainer, and it takes just a few extra moments to do.

RebatesMe will show you available coupons as well as give you a cash back percentage, which allows you to save the most money without really having to dig hard for anything. Instead, their website and their browser extension does all of the hard work for you.

If you sign up for RebatesMe through my referral link (or by using my referral code SS7HGG), you will receive a $30 RebatesMe bonus that will automatically get added to your account. Once you accumulate $10 in cash back through online purchases, you can cash this out. This is a high sign-up bonus and super easy to reach!

Do you use cash back websites? Why or why not?

The post How To Earn Cash Back While You Shop With RebatesMe appeared first on Making Sense Of Cents.

Source: makingsenseofcents.com

Lessons in Fear and Wealth from the Coronavirus

As I write this, the biggest story in the entire world is a virus that is making its way around the planet, leaving a trail of sickness and death in its wake, while sending a much bigger shockwave of fear and uncertainty out front. Last week, the US stock market dropped 15% in just a few days, the most shocking correction since the 2008-2009 financial crisis (and the most interesting drop since the founding of this blog in 2011).

I am sure you’ve been hearing, reading or watching plenty about it already, but the real question is, what should we do about it?

The Scary Side

Is this a screenshot from the fear-mongering TV news? Nope, just a moment from a classic zombie movie, although sometimes it is hard to tell the difference.

The fear and doubt seems to be what the news stories have been emphasizing. The disease is highly contagious, and very sneaky. Each carrier seems to infect 2-3 additional people, which means exponential growth. And with an observed death rate of about 1% so far (on a limited data set of older people on a cruise ship) it may be several times times more deadly than the common flu.

On the news, we see rows of hastily installed hospital beds, people wearing paper face masks even here in our own country, empty supermarket shelves and shuttered factories and public venues.

And we are reminded that we ain’t seen nothing yet, because with mild symptoms that can hide for days, most cases are going unreported and the disease is pumping its toxic tentacles through the arteries of our economy, plotting its attack while we are left POWERLESS UNTIL THE RIOTS IN THE STREET START AND PEOPLE ARE SMASHING THROUGH OUR WINDOWS TO TAKE OUR LAST FEW CANS OF BEANS AFTER WE RUN OUT OF AMMO IN OUR SHOTGUNS.

Some people are just prone to this type of thinking, and I even have a few in my own life. They have warned me to gather “at least a few months worth” of nonperishable food in my pantry and make sure I have a generator and plenty of fuel, at the very least. And to reconsider my stance of not keeping any guns in the house.

The Not-So-Scary Side

I went out on the town early on in the scare. The reality was different from the news headlines, although restaurants did close a few weeks after this post was first published.

As I write this on March 2nd, there have been about 90,000 confirmed cases of COVID-19. And while the number is still growing rapidly, at the moment it is still a tiny number, about one thousandth of a percent of the world’s population. So even if it multiplies 100-fold, it would be a tenth of one percent. And out of these 90,000 people, about half are already recovered and have moved on with their lives. And the vast majority of the remaining ill, and all those who are so far undetected, and those who are yet to get infected, will also recover.

Past and current status of the outbreak.

But do we have any idea how bad it will get, before it gets better? As it turns out, we do. But first, some perspective.

Here are this year’s numbers for the tried-and-true traditional flu for the 2019 flu season in the US alone (and remember the USA is only four percent of the world population):

Wow, 32-45 million cases of the flu already, and tens of thousands of deaths. Even I had no idea it was that serious, and yet the flu is something I don’t even worry about – ever!

Even scarier: every year, about 2.8 million people die in the US alone, and a full 70% of these deaths (over two million people per year) are caused by “lifestyle factors”, which to put it plainly means ignoring Mr. Money Mustache’s advice about bikes, barbells and salads every day.

So if we start with the common flu, which is surprisingly scary, choosing car-based transportation and TV-based entertainment and consuming processed high-carbohydrate food and soft drinks should feel at least an additional hundred times scarier than that.

But do you feel the appropriate ratios of fear in these two situations? And a much smaller amount of fear about the Coronavirus? Probably not, because we humans generally suck at putting numbers, statistics and probabilities into perspective.

We Have Been Here Before

In my lifetime alone, we have seen the rise and decline of quite a list of worldwide health scares, each of which was covered in the news with similar intensity to what we see today. AIDS, Ebola, SARS, Bird Flu, and the 2009 Swine Flu pandemic, also known as H1N1. That one was particularly serious in retrospect, having infected between 11-21% of the world’s population and taking the lives of about 500,000.

Yet here we are, with that fearful event gone from the rearview mirror and a global economy that is far richer than it has ever been. Which is exactly what we will eventually be saying about the present moment in time, from our vantage point in the even more prosperous future.

And Math Can Help Create Perspective

Contagious diseases don’t just grow forever until everybody is dead. They follow an S-curve, like this recent prediction for Covid-19’s spread. It currently estimates that we may see things flatten out fairly soon, but more importantly it continually updates to new information and makes an educated guess – a great strategy for dealing with unknowns in life in general.

One mathematical model that a researcher is updating each day – image source.

On the other hand, some estimates are more pessimistic. Disease modelers at Northeastern University used different assumptions in mid-February to predict between 550,000 and 4 million cases in China*, before we reach the flat top of our “S”. That because of extreme quarantines, that turned out to be pessimistic as well and China flattened out well below 100k.

So let’s imagine that a 4-million outbreak happened in the rest of the world. That’s still only a twentieth of one percent of the world’s population who would even get the disease, and then a further 99% of those would recover. Again, it’s too early to guess the world numbers, and I’m not qualified to do so. But it’s always important to put things into context of the almost eight billion people on Earth – that’s a deceptively large number.

As a final source of information, when it comes to world health issues I always like to see what Bill Gates has to say. And sure enough, he written this great opinion piece in a medical journal and an even better Ask Me Anything on Reddit. His main point? The damage done by a virus really depends on how well our governments respond to it. Lots of caution and a quick response leads to much better results.

So there’s still a lot of uncertainty. But when faced with a lack of information, we can choose one of two options on where to learn more:

  • Good looking news anchors with fake tans and no scientific background, who make more money if they generate more viewership hours and advertising revenue, which is proven to multiply if they can cause their viewers to experience fear, or
  • Scientists and mathematicians who study this stuff for a living, and use incoming data to make a series of continually refined predictions.

As Mustachians, we get our information from scientists rather than news anchors and politicians, and then we choose a course of action based on what is in our circle of control. In the case of the Coronavirus, I would say that means taking the following steps:

  • Continue the usual program of living a healthy life. Just the incredibly simple steps of cutting cars, sugar and television out of your life as much as possible will virtually eliminate the 70% fatality risk factor of being inactive and unfit – and yet only a tiny percentage of people – even those lucky enough to still have fully able bodies – actually follow this advice. On top of that, this strategy will also greatly boost your immunity to Covid-19, and decrease your chance of serious illness or death if you do catch it.
  • Don’t try to out-guess the stock market. Just celebrate the fact that we have a temporary sale on stocks. While the endless stream of meaningless market commentary every day means absolutely nothing, one fact remains indisputable: stocks you buy today at a 15% discount from their peak, will be 15% more profitable for you over your lifetime.
  • And finally, still important but statistically less urgent is taking actual steps related to dodging this and other viral illnesses. Wash your hands a few times a day and avoid unnecessary large gatherings of people in close quarters, until the health organizations tell us we are in the clear.

Guns and ammo and a bunker full of canned beans not required.


* a really interesting quote from that same article about the size of the uncertainty around diseases:

” In the autumn of 2014, modelers at CDC projected that the Ebola outbreak in West Africa could reach 550,000 to 1.4 million cases in Liberia and Sierra Leone by late January if nothing changed. As it happened, heroic efforts to isolate patients, trace contacts, and stop unsafe burial practices kept the number of cases to 28,600 (and 11,325 deaths). “


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Source: mrmoneymustache.com

$90000 a Year is How Much an Hour? Good Salary?

90k salary is a good hourly wage when you think about it. When you get a job and you are making about $24 an hour, making over $90,000 a year seems like it would provide amazing opportunities for you. Right? The median household income is $68,703 in 2019 and increased by 6.8% from the previous … Read more

Read More… $90000 a Year is How Much an Hour? Good Salary?

Source: moneybliss.org

Why Haven’t I Received My Stimulus Check? Steps To Get Your Economic Impact Payment

If you haven’t received a 2020 stimulus check yet, what are some of the possible reasons that the economic impact payment hasn’t arrived?

The post Why Haven’t I Received My Stimulus Check? Steps To Get Your Economic Impact Payment appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Source: biblemoneymatters.com