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Overwhelmed by debt? Want to make investing a breeze? The goal of this site is to help you get out of debt and start investing for your future. If you are unsure where to start, click here to begin. I will break everything down for you in small, obtainable steps so that you can take control of your finances once and for all.

telecommuteThere’s a special thrill derived from doing work in your pajamas. It can be a strangely productive way to get your projects done, regardless of your choice of attire or particular field of employment. Telecommuting isn’t exactly a cutting-edge trend since e-mail and phone calls (as well as faxing) have defined the process for years. But the latest blossoming in technology and digital infrastructure has radically altered and improved the way you’re able to telecommute. Everything from accessing centralized cloud servers to publishing business reports on your smart phone represents a step in the right direction, but these are only tools in the arsenal of a telecommuter.

To truly get the best experience in both telecommuting and your place of employment, you should seek out a more personal and interconnected route like video conferencing. Combining the visual appeal of being able to read a colleague’s body language and expression with the versatility of a standard conference call, video conferencing reflects a growing trend of closing the gap between all branches of employees, near or distant. Here are some of the ways that modern video conferencing has breathed new life into telecommuting, and why you should be interested in it.

A Personal (Budget-Friendly) Touch

One of the obvious benefits for those located in international corporations is the ability to scoff at time zones, and interact with colleagues easily. When you have the luxury of telecommuting and speaking to foreign colleagues at a designated time, you avoid the time – and cost – spent organizing your flight, possible hotels, and arrangements to physically meet. The costs associated with a few simple business trips can be staggering, particularly if your business is small or cannot afford such frequent travel.

Video conferencing is practically free, aside from the initial purchase of software and any related components. But compared to round-trip plane ticket alone, this cost is more than worth it. Some companies such as Blue Jeans, video conferencing is designed to be cheap and easily-accessible to a range of markets – including yours. Seek out these deals, and take advantage of them. Because telecommuting relies on both audio and visual input, it’s more suitable for interactions between you and your colleagues, especially if you’re involved in project management or board meetings. Most traditional conference calls simply lack the appeal and attention-grabbing nature of a visual component, which, according to Redriver, helps keep participants engaged and focused on the task at hand.
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Are You A Saver Or A Spender? (Infographic)

Do you know how much more likely a saver is to have a high interest savings account or what the average spender would never cut back on? By understanding the differences between savers and spenders, you can get a better idea of where you fall and what you can start working on to be a better saver (assuming you are a spender). All of this information is presented in this cool infographic below. So where do you fall? Are you […]Read the full article...

reverse mortgages

Does A Reverse Mortgage Fit Into Your Retirement Plans?

It’s no surprise that the majority of Americans aren’t good at saving for retirement. Many Baby Boomers are waking up to the realization that they are going to have to work much longer in order to afford retirement or possibly not even retire at all. If you are in this predicament, do you have any options other than not retiring? The answer is yes: you can consider taking out a reverse mortgage. In fact, reverse mortgages should play a role […]Read the full article...

hole in ground

How To Dig Out Of Credit Card Debt

If you have been reeling under the burden of huge credit card debt, then you probably don’t need to be told how easy it is to amass debt and how incredibly difficult it can be to get out of it. When overwhelmed by debts you have no idea how to pay back, the first step is not to panic. The second and more important step is to sit down and work out a clear strategy. Once you get a handle […]Read the full article...

become rich

The Simplest Way Ever To Become Rich

What if I told you there was a simple way to become rich? Would you be interested? What if I told you that it would only take you 10 minutes max to do and you would only have to do it one time? Some of you might be getting excited while others now think I am full of it. But what if I told you that the government, mutual fund companies, the rich and many of the companies you deal […]Read the full article...

wedding rings

Carnival of Financial Planning – Wedding Edition

Welcome to this week’s installment of the Carnival of Financial Planning! This weeks edition is the wedding edition since I’ve been to my fair share of weddings this year and this weekend is the last one for a while. So while I am out on the dance floor making all the girls swoon, you can enjoy some great personal finance blog posts from the past week. Let’s get started!! BUDGETING AND ECONOMICS Gretchen @ Retired By 40 writes September & […]Read the full article...

automatic etf investing service cuts fees

Breaking News!! Schwab To Take On Betterment, Wealthfront

I just read a story on Reuters that is blowing my mind. Apparently, Schwab is a few weeks away from offering an automated ETF investing service, or robo-investing service, that is along the same lines of what Betterment, Wealthfront, and the other new automatic ETF investing services offer. So why is this big news? Two reasons: First, Schwab is the first large discount broker to be going down this road. (I’ll go into more detail about this below) Second, according […]Read the full article...

refinance

Pitfalls of Refinancing

Interest rates are still relatively low, which means it could make sense to refinance if you have a high interest rate on your home. For my wife and I, we are toying with this idea as we speak. Our current house has a fixed rate of 5.375%. Historically, this is a decent rate. But if we were to refinance, we could drop the interest rate by a full percent or more. The question is, is the lower rate (and potential […]Read the full article...

Save Money on Life Insurance

Ways To Save Money On Life Insurance

There are as many ways to save on life insurance as there are policies to meet your needs. Anybody who has applied for a life insurance policy knows that all companies care about is mortality risk, and your mortality risk is determined by your age, health, family medical history, occupation, and general lifestyle choices. Fortunately, each insurance carrier calculates risk just a bit differently; some basic research and comparison shopping should help you determine which company is offering the best […]Read the full article...

tradeking review

TradeKing Review: Is This Your Online Broker?

Welcome back to another review of the various online brokers at your disposal when investing. Today I am going to talk about TradeKing and whether or not it makes sense for you to consider investing your money with them. Below you will learn about the features and benefits of TradeKing and where I think it lacks compared to other online brokers. As always, you can check out my online broker comparison chart for in-depth information about all of the brokers […]Read the full article...