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Author Archives: Glasses or Contacts

Efficiently Managing Your Student Loans While in College

If you’re new to college and student loans, you’re probably feeling overwhelmed by a great many novel experiences – choosing and taking college classes, applying for and receiving federal aid and scholarships, even living away from home for the very first time. Graduation, and all that it entails, seems so far away! It’s probably the last thing on your mind. Really, though, when it comes to student loan debt, you should be considering how you’re going to repay those loans from the very first day you take them out. Waiting until post-graduation, when those payments first become due, isn’t a smart strategy. That’s because there are things you can do now, as a borrower still in school, that will set you up down the road to save money on your loans. Managing your debt is something to think about from day one. Subsidized vs. unsubsidized loans, and why the difference matters. If you’ve taken out federal student loans, there’s a good chance you have a mix of subsidized and unsubsidized loans. And of course, private loans are always unsubsidized. Subsidized loans are loans you aren’t charged interest on while you’re in school because the federal government pays the interest on ...

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3 Reasons to Check Your Credit Report Today

Most people don’t have a great deal of sophistication with credit. Sure, they might have a card or two (or ten), but all of the fine print on those agreements, as well as the complex terms in credit theory – it’s just a little much to deal with. The problem is, if you don’t have knowledge about how credit works, you’re liable to use it in ways that will set you up for failure in the long term. We’ll assume for the purposes of this article that you aren’t badly in debt. If you are, fix that first. But if you are in fairly good shape with regard to debt, it’s time to get serious about your credit history. You can get a free credit report once a year. The government allows it. That report will show all of the credit cards you have, all of the times you were late on payments, and all the other times you messed up or used credit too much. Maybe you’ll see the opposite problem – you don’t have enough credit history to support a good credit score. One great course of action is to get a credit card specifically for people with ...

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Unique Office Appropriate Gift Ideas for Your Employees

We all get it — it’s hard to spread holiday cheer while stuck at a desk all day. But the season doesn’t have to be a drag at work; in fact, a few holiday gifts can do wonders for lifting the season’s spirits. And as the boss, it’s only fitting that you start the season off the right way with a few well-thought out gifts for your employees. We’ve given you a head start by compiling a gift guide that your employees are sure to enjoy. Hot Cocoa Gift Box Who doesn’t love a cup of hot chocolate during the holiday season? It’s a season staple that even the most hard to shop for can appreciate. Not only will it help your employees relax after a long work day, it’s something they can enjoy with the whole family or save for themselves when they need a getaway from the desk. Take it up a notch by going gourmet with a deluxe set that comes complete with milk chocolate cocoa mix and peppermint cocoa mix, along with a set of s’mores candy sticks for stirring. Custom Socks You can’t go wrong with a pair of warm, cozy socks — especially when ...

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The Final Cost: Your Guide to Financing Funeral Arrangements

Death isn’t a fun subject, but when it comes to finances, it’s essential to prepare for. The cost of funerals and burial services continues to rise, and many families find themselves unprepared for steep payments during their time of grief. From interment costs to casket expenses, there are a bevy of financial stipulations to expect after someone’s passing, and this guide will help you break down these expenses. Cremation versus Burial If your loved one did not designate a preference regarding cremation or burial, you have some decisions to make. While many base the decision on religious beliefs, there are other factors that play into the final choice, namely, expenditures related to each. Traditional burials include interment services and viewings. With embalming, casket purchase, cemetery costs, and transportation essentials, burials tend to be the more expensive of the two options. In contrast, cremation requires a simple container, cremation services, and interment should you so choose. To put it in numbers, the average cremation costs around $2,000 to $4,000, while a traditional burial can easily cost anywhere between $8,000 and $12,000. While these prices are obviously subject to change depending on your location and desired services, there’s a marked cost difference ...

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Interactive Time Clock for Smart HR Scheduling

Among the various crucial tasks the head HR must manage, task scheduling is always among the priorities. In fact, the success of any given project depends on the right allocation of tasks and maintaining realistic deadlines. The human resource manager needs to account for several key parameters in assigning work. These include employee experience, unique skill sets, running projects, and other practical factors such as hardware and software functions. One of the most challenging duties of the executive is to see that the assigned work is over in due time, and continuity of successive deadlines runs according to the schedule. Always watchful It is never an easy task as working with people has several realistic considerations, such as expecting sincere attendance to the workstation. In every office, one could find a few common faces frequently loitering in the smoking zone or at the coffee station. An employee time clock app may be just the exact solution to organize everything. Pro developers create digital products that would keep timed track of each employee in a unified color-coded format. Assigning responsibility The manager can generate and export a detailed report outlining timing figures, in its small and large details. The report would ...

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