Great financial tips to ensure you make more dollar

Until and unless people do a job, they cannot really tell what is involved in it and this is why choosing a career is not as easy as most people might imagine. It is often even problematic for individuals to choose a career because often years and years have to be spent by them to train for the job. This is the reason that people are often asking the question “What is the right career for me?” Most people have understood that undergoing a training or degree course might be necessary for them to secure the right employment position; however considering how pricey they can me, they essentially want to make the right choice.

Today a lot of people have lost their jobs because of recession and the global economic downfall, thus “what jobs would suit me?” has become a common question that the unemployed people of today are asking. When there is no adequate career advice service offered by schools and colleges, individuals then tends to make quick decisions regarding their career without doing enough research or performing background checks. The worst part of it all is that people end up making the wrong decisions because they do not appropriately assess the careers they step into. Read the rest of this entry »

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Like most people I find balancing the household finances at the end of the month a struggle. With three children all under eight and me not in full time work we need to watch every penny and I have become adept at making the money last and would be described by the popular press as a “Thrifty Mum”. I am probably not alone when I’m not only able to list all of my direct debits but also able to say the amounts I pay each week for each of them and the day they come out of our bank account. The control this gives me allows me to avoid worrying too much as I couldn’t cope with the thought of not being able to do so and the crisis I would be in would threaten everything I and my husband have worked together for. I have become very canny at looking out for offers and religiously cut vouchers out of the newspaper and keep an eye out for when the deals are on at the local Tesco supermarket. One of the most helpful ways of saving money I’ve come across in recent years is to use the comparison websites to make sure that you aren’t paying a penny more than you have to on your household bills. I used the life assurance cover website and saved a fortune. I also checked to see if our buildings and contents insurance can be bought cheaper than we have it already. Changing electricity and gas suppliers is always worth considering as they tend to put up prices for people who don’t switch providers like the banks and building societies do for those who don’t move their money to the best savings accounts. I believe that we can save about one month’s salary a year by switching or threatening to switch suppliers. Sometime purely mentioning the fact that you are about to change provider to your existing provider will mean that they will drop their price by a huge margin. Its well worth trying, the alternative is too awful to contemplate.

Source: http://lifeassurancecover.uk.com/blog/2011/12/13/i-found-i-was-paying-too-much-my-life-insurance-when-i-made-online-comparison-using-life-assurance-cover-website/

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Dollar Drink Night: Boozing With Coworkers Could Help You Financially

Theres a group in every office. They hit the nearby watering hole for happy hour once or twice a week after work to vent shared frustrations, talk about the boss behind his back, maybe even plot future career moves. Thumbing your nose at this carousing crew? Think twice, turning down an invite to grab a post-shift drink might be hazardous to your financial future.

A recent study published by The Journal of Labor Research shows that drinkers earn 10 to 14 percent more than those who avoid the bottle altogether. The reason? The study contends its something called social capital. That is, the more youre out enjoying a drink, the more people you meet. The more people you meet, the more doors that are opened for you professionally. And as is the general rule in the business worldits not what you know, its who you know.

The study contends that specifically, its drinkers who hit the bar that see the most benefits financially, as opposed to those who tip the glass at home. Its all about social capital, which the study defines as a persons social characteristics, including social skills, charisma, and the size of his Rolodex, which enable him to reap market and nonmarket returns from interactions with others. Drinkers who hit the bars have a lot of it, drinkers who sip alone have a little less, nondrinkers have less yet.

The study argues that its possible that abstainers may steer clear of social occasions involving drinking, and if not, they will socialize with other nondrinkers or less social people. Its also possible that abstainers might be considered boring by drinkers, and not be invited to a gathering at all. Those who drink socially may have an easier time attaining a higher paying job or reinforce bonds with coworkers or associates who could have a direct impact on salary. Though the reasons behind nondrinkers lack of social capital werent specifically tackled in the study, one thing is cleardrinkers earn significantly more than those who abstain.

For example, female drinkers pull in 14 percent more than their nondrinking counterparts. Men who hit the bottle regularly earn 10 percent more than guys who stick with soft drinks.

The pot gets even sweeter for males who hit their favorite watering hole on a regular basis. Men who visited a bar at least once a month earned an additional 7 percent over the 10 percent advantage. That isnt the case for women barflies, however. No marked advantage was shown for ladies who visited pubs regularly over those who did not.

Though not sponsored by any interests in the alcohol industry, the study was conducted as a response to recent anti-alcohol campaigns on college campuses, limits on alcohol advertising, and tax increases on liquor. Authors of the study contend that since their research shows that drinkers earn significantly more than nondrinkers, perhaps attempting to discourage drinking in society might have a negative impact on our ability to earn.

So next time your cubicle partner asks you to join the crew for a drink after work, think twice before you pass. According to the stats, it might be to your benefit to say First rounds on me.

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