Average Joe’s Money Blog
-Our resident bloggers, AverageJoe and OG, writes what informative and interesting posts at least three days a week.
Monday through Thursday - They bring financial planning news, strategies and tips.
On Fridays Joe shares his choice for the Blog Post of the Week!, where he crowns a blog writer as the winner in his soon-to-be-esteemed competition.
The pace of telephone technology amazes me. Only 30 years ago you were the exception if you carried a “cell phone.” Now you can do pretty much anything on your phone. You can check the weather, do your grocery shopping online, have a business meeting seeing your client’s face on video without having to travel eight time zones, and even dictate a text so the phone writes it for you when it gets too complicated to thumb it. The pace of change has been fast and has dramatically changed how we use technology. Well guess what? I’ve...read more
When it comes to hiring new employees, it can be easy to assume that either they just don’t make them like they used to or all the bigger companies are snatching away the most promising talent. While each new generation is different than the one that preceded it and larger companies may seem like they have more to offer than a smaller mom and pop outfit, the truth is that any business of any size can attract hard-working, affable and honest people who will not only improve the bottom line, but also make work environments more pleasant and...read more
Purchasing insurance is a difficult experience no matter what part of the country you live in. Everyone wants to get the best possible deal, and the rates in some areas can be extremely high. Insurance on your automobile, home and recreational equipment is a substantial investment.The difficulty is choosing the right agency along with a reputable company. Price is important, but the promptness and efficiency with which agents and companies settle claims and deal with emergencies is most important. No one calls at midnight to report an...read more
There are an average of over 370,000 residential fires every year according to the latest data from the U.S. Fire Administration. It’s easy to feel invincible and think that this couldn’t happen to you, but burying your head in the sand will not help you protect your family. Aside from fire safety and educating your kids about what to do in the event of a fire, protecting your valuables, irreplaceable items and important paperwork is essential to being prepared. Protect Photos and Digital Documents Start an account with a...read more
I’ve written previously about some of the changes to payday loan practices in the UK. Maybe this is a harbinger of things to come in the USA? Here’s the latest: Payday loan sector members agree: Charter governing good practice but government regulation continues to loom in 2014 Businesses within the payday loan sector have taken many steps towards self-regulation since 2012, yet as continued government intervention in the industry looms, the topic of self regulation continues to be hotly debated. Let’s focus on the self...read more
Istockphoto There appears to be a rising trend that shows that more and more students are taking out short term loans. Research by the National Union of Students (NUS) shows that up to 46,000 undergraduates are using what they term high risk debt (which includes payday loans, cheque cashing and doorstep loans). They suggest a number of reasons for this which relate, in the main, to funding their living costs and fees. . Some highlights from their research show: the weekly cost of student accommodation has nearly doubled in 10 years (£60...read more
Have an idea for home repair? Not every project requires an expense contractor and you can easily spiff up your space with some of the simple weekend projects listed below: Replacing a Leaky Shower Head or Sink Faucet Most shower heads and faucets available today can be replaced in one afternoon with simple tools. Even a relative novice could complete this task. If you’re just replacing an existing shower head or faucet, choose one in the same style you already have: single-handled, double-handled and three-handled. You can find old...read more
Although many people may not take it so seriously, there are a lot of money making opportunities online that anyone can exploit. The main reason is that almost all business transactions in the current market place are conducted via an online platform. With most current graduates having good computer skills, it would be very easy for them to take advantage of the opportunities online and make money. You Can Build Your Own Website and Earn Revenue from It There are many ways one can make money on the internet however it is best practice to...read more
I know it isn’t easy. Climbing out of debt was one of the biggest struggles of my life. But I did it, and looking back toward that ugly black hole, I can tell you there are some things I wish I would have done better. I could have shortened the process. However, when you’re staring at a stack of bills and wondering what to do, it’s difficult to think about strategy, isn’t it? There are so many reasons why you need to solve your credit problems, but the five biggest, in my mind are these: Studies show that the real money can’t be made until...read more
It is well know that jobs were not created equal, and some of them are better in terms of social utility, some are more profitable, and some are simply considered better than others. Most people choose their careers according to their personal skills and likings, but knowing what will come next and what to expect from the labor market in couple years is a good thing to consider. Thus, here are some of the most popular jobs in US that are expected to remain as popular and increase the number of specialists needed in the nearest future....read more