8 Tips To Reinvent Your $255 Payday Loans Online Same Day And Win
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Smart Money Podcast: Coronavirus Edition Advertiser disclosure You're our first priority. Every time. We believe everyone should be able to make sound financial decisions with confidence. While our website does not include every company or financial product that is available in the marketplace however, we're confident of the guidance we provide as well as the advice we provide as well as the tools we design are independent, objective easy to use and cost-free. So how do we earn money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it does not affect our recommendations or advice that are based on thousands of hours of study. Our partners are not able to be paid to ensure positive review of their services or products. . Smart Money Podcast: Coronavirus Edition Written by Liz Weston, CFP(r) Senior Writer | Personal Finance credit scores, economics, and personal finance Liz Weston, CFP(r) is a personal financial columnist, co-host on"Smart Money," the "Smart Money" podcast an award-winning journalist, and the author of five books on financial matters, among them the best-selling "Your Credit Score." Liz has been featured on a variety of national television and radio programs including"Today, "Today" program "NBC Nightly News," as well as the "Dr. Phil" show, as well as "All All Things Considered." Her columns are distributed in the media by The Associated Press and appear in a variety of media outlets each week. Prior to joining NerdWallet she wrote articles for MSN, Reuters, AARP The Magazine and the Los Angeles Times. She shares a home in Los Angeles with a husband along with a daughter and a golden retriever who is a co-dependent. as well as Sean Pyles Senior Writer | Personal finances and debt Sean Pyles leads podcasting at NerdWallet as the host and producer of the NerdWallet's "Smart Money" podcast. The show "Smart Money," Sean talks with Nerds on NerdWallet's NerdWallet Content team to answer listeners' personal finance questions. With a focus on thoughtful and practical advice on money, Sean provides real-world guidance that can help consumers better their financial lives. In addition to answering listeners' financial concerns on "Smart Money," Sean also interviews guests who are not part of NerdWallet and creates special segments on topics like the racial inequality gap and how to begin investing and the history for student loans. Before Sean was the host of podcasts at NerdWallet the company, he also wrote about topics concerning consumer debt. His writing has been featured on USA Today, The New York Times as well as other publications. When when he's not writing about personal finances, Sean can be found digging around his garden, going for runs and walking his dog for long walks. He lives within Ocean Shores, Washington. Mar 23 March 23, 2020 Written by Kathy Hinson Lead Assigning Editor Personal finances, credit scoring managing money and debt Kathy Hinson leads the core personal finance team at NerdWallet. In the past, she worked for 18 years working at The Oregonian in Portland in roles including copy desk chief and team leader for design and editing. Prior experience includes copy and news editing for various Southern California newspapers, including the Los Angeles Times. She earned a bachelor's degree in journalism and mass communications at Iowa's University of Iowa. The majority or all of the products we feature come from our partners who compensate us. This influences which products we review as well as the place and way the product appears on a page. However, this does not affect our opinions. Our opinions are our own. Here's a list of and . Welcome to NerdWallet's Smart Money podcast, where we will answer your real-world financial concerns in 15 minutes or less. This week's topic is the coronavirus pandemic , and how to prepare financially to deal with the fallout. Know where every dollar gets spent Look for ways you can spend more on the things that you truly love and less on things that you don't. Our perspective The financial consequences from the coronavirus novel and the COVID-19 disease that can cause will be profound, with many people losing their jobs or seeing their hours cut when the economy slows. It might be too late to create an emergency fund for three months however it is prudent to reduce your spending whenever possible, and to save some cash just to give yourself a modest buffer. The ability to access credit can be helpful during a emergency, but also. If you have a good credit score, you could be eligible to apply for a credit card with a 0% teaser rate. For those who do not have good credit may want to get payday loans, but those can be ruinously expensive. Instead, look for . Look into other community resources for instance, The Jewish Free Loan Association. If you aren't able to pay all your bills, you should prioritize the essentials such as shelter, food, utilities and transportation. Contact your lenders to see if hardship programs might be available. The crisis also has had a big impact on the market for stocks and has caused dramatic swings as a result of the uncertainty in the economy. If you're a decade or more away from the money you have invested -- if your retirement is more than 10 years away such as, for instance -- you can treat the gyrations in the background as a sound. If you're getting closer to retirement , or are already in retirement it's possible that you'll . Now is a good time to talk to a fee-only, fiduciary financial planner for a second opinion on whether your retirement plan and investment allocation are still a good idea. It's not surprising that people's traveling plans are disrupted. often doesn't cover this type of disruption, but . Our tips Make sure you focus on what you are able to manage, not what you aren't able to control. It's important to stay well-informed, but be careful not to consume too much negative news. Try to limit your time in front of news reports. Prioritize your bills. If you aren't able to pay your bills in full pay for the most important things such as food, shelter utility bills, transportation. Invest for the long term. The market will slow down and then rebound. If the end goal for your investments is more than 10 years into the future, you can ignore the day-to-day swings. More information about coronavirus is available on NerdWallet: Have a money question? Text us or call us at 901-730-6373. You can also email us at . To listen to previous episodes, visit the Episode transcript Sean Pyles: Hello and welcome to the NerdWallet Smart Money Podcast We will answer your money-related questions in just 15 mins or less. I'm your host, Sean Pyles. Liz Weston: And I'm Liz Weston. As always, be sure to email us any money-related questions. Call or text us by texting us at (901) 730-6373. That's (901) 730-NERD. Or email us at Sean In this episode, we're taking on a topic that we've received a number of questions on in the past few weeks: coronavirus and how to prepare financially for it. The consequences of the new coronavirus as well as the COVID-19 virus that it causes are already being felt in our economy. A lot of workers are having their hours cut or are being dismissed. The market is in an upswing and people are trying to find ways to prepare for the worst. this means strengthening your finances and for some people doubling your stock of toilet paper. Liz: Sean, you said you thought that was an absurdity, but you realized it's not. Sean: I went to the store late last evening and found that all the shelves had been empty. Liz: Yeah. Sean Then I'm grateful to have one those Amazon subscriptions that I just buy every few months because without it I'd be grabbing napkins. Who knows? It's a serious issue. Many people are extremely anxious at the moment and lots of people will be in a very tight financial position. Liz In this episode of NerdWallet's Smart Money Podcast, we'll discuss how to prepare yourself financially and mentally, what to do if you are unable to pay your bills, and why now is an ideal time to learn patience with your investments. Sean"Sean": Okay Let's get started. Liz: Let's start with the mental preparation part , because I feel this is taking a lot on people in ways they didn't anticipate. Sean: Yeah. Liz Sean: Sean What's happening with you? Sean Sean: I am definitely one to slide into a news hole whenever something like this happens. To me, that means simply looking on Twitter or listening to the radio and becoming immersed in the moment-to-moment news, and to me that actually makes me feel anxious. I suppose I do this in order to get back some sense or control. However, I'm actually listening to things aren't my control. I believe that most people are feeling similarly anxious because it is pretty serious and there's a ton of uncertainty. One thing I believe is beneficial to do is to be aware of their stress and not obsess over what they can't control. Instead, try focusing on what you can control, like how much you wash your hands, or the type of news you're consuming and the cadence of your news consumption. Liz: I think that putting some limits on it is really clever. You want to be a prepared citizen, you'd like to know what's going on however I believe there's a tipping point at which it's too much. Sean Says: Yeah I really enjoy doing things that help me feel like I have some kind of a sense of self-control like this. I have deleted Twitter from my phone, and I installed an extension to my web browser that makes it so I can only view it for five minutes each day. And that way when I get that urge to see something, I'm going to a news website and not just falling down the stream of screaming people in the dark. Find a method to ensure that you're able to control the content you're reading because it's easy to get really upset about this type of information. Liz: Yeah, absolutely. Sean I think you're excellent mentally, however, there are many ways you can take financially to prepare yourself for the possibility of a situation like this. Liz Sheryl: I thought about the experience of walking into a grocery store and seeing that the shelves are empty and you realize, oops, it's way too late to prepare now. Sean: Mm-hmm. Liz: So there's only a certain amount you can do. If, for instance, you've been living paycheck to pay, and recently lost your job, I'll tell you to have an emergency fund for three months, and then you'll think, "Well, that was extremely helpful." Therefore, obviously, if you do have a job, and if you are still working, you need to be mindful when it comes to spending. You might want to put a little more savings aside. We at NerdWallet have never been big on putting the emergency fund first because there are a lot of other financial considerations that must be considered that are more important in the long run. We do however want you to have some sort of emergency fund, be it $500, $1,000, whatever that can help you get free from the paycheck to paycheck trap that it's really easy to get into. If you have that, great. If you're in a position where this is coming a little too late, then we have other ideas for you. Sean The subject is one that I was thinking about as well. A lot of folks realistically are living paycheck-to-paycheck. They do not have an emergency fund and now is really -- especially in the event that your hours have been cut this is the time you should tap the. So one thing that I'm thinking about here is that I'm aware that many people are going to be using their credit cards, and even if you don't have savings I think that now might be the perfect time to take advantage of a 0% APR credit card which could provide a short-term cash reserve. While we generally don't recommend taking on the realm of debt, but if you require a bridge for costs right now, this could be an option. Be sure to make all of your payments punctually to ensure that your credit stays steady and you have a plan to get out of this debt before that zero APR time period expires. Since all of these cards have an APR, the period typically ranges between 12 to 15 months and after that , interest rates could rise to 15% or even higher. Therefore, be aware of it. Liz Also, there are some alternatives for payday loans. So if you search on payday loan alternatives, some of them will be listed and they're similar to charitable organizations. I know the Jewish Free Loan Association is on the market saying, "Hey, we've got money to help people." Short-term grants could be a possibility. The food bank is a possibility. There are people looking to help in a variety of ways. Therefore, there are alternatives in place of taking out a payday loan. Payday loans are a real frightening option. Sean: Right. Liz A: People take out the money , and then they end up in a bind that they aren't able to pay on time when payday rolls around and they end up owing, owing, owing, and not being able to dig themselves out. If you're considering one of these loans take a look at an alternative. Sean The moment is a really good moment to take a look at your community to see what resources there are. This is the time when the majority of these organizations and local community groups are moving into high gear, because this is what they've been preparing for. They're here to assist you. But the resources are finite and it can get really hard when you do lose your job, as the majority of people, particularly those in the service industry are experiencing right now. In a couple of weeks they'll be able to say, "Hey, I can't pay my bills right now." So I'd like to talk about this with you, Liz, because this will be really hard, it's going to affect many people. And Liz I'm sure you wrote an article entitled "How to pay your bills when you Aren't able to Pay Your Bills." So what would be your advice here? Liz The key is to perform triage, which means you need to prioritize the most important things first. The most essential of these is. That's the food you eat as well as shelter, the roof that covers your head, the lights and heat, transport, in case you have to travel to work or to go to the doctor, or wherever it is. So those are the essentials you need to safeguard no matter what. This is important to remind people because when they are in the process of falling in arrears with their bills, collectors start calling and they are in a panic, and they will pay whoever is being the most rude. It is essential to prioritize your family, put yourself first and take care of the essentials. And then after that you do a triage again on the other bills. Which ones have the biggest consequences of not being paid? What ones allow for some flexibility? For example, student loans like student loans generally have a deferral or forgiveness that allows you to avoid not paying for a while. The lenders are generally more responsive during difficult times when they allow people to switch payment plans, or delay payments or similar however, you must remain in contact with them, you need to talk to them. If you just stop paying, you may have missed some sort of program that could help you, and could damaged your credit without justifiable reason. Sean: Yeah, this can be one of the things which you need to complete the work before the deadline. One thing I've been quite pleasantly surprised to discover in the last week is that a lot of creditors are putting out programs to be ahead of the game and they're declaring, "Hey, we realize that the situation is quite difficult right now. If you're not able to pay your bills, give us a call." But you do have to make that phone call. Liz: Yes, absolutely. We talk in another podcast about how you can pay the IRS even if you aren't able to be able to pay IRS. That's another issue that people are wrestling with. If you're facing an unpaid tax bill you can't pay, again there are options for payment, so don't hide, you've got to seek these out, but it could really aid you. Sean: They want their money and want to be able to work with you and have an enjoyable rapport with you. Therefore, it's important to be proactive, which is, yeah, probably the last thing you'd like doing when suffering from an illness and worry about contracting a terrible illness. However, it only takes 10 minutes. Just give them a call and attempt to figure this one out, as the most important thing you don't would like to do is fall into default, which will ruin your credit score, which could make it more difficult in the future in the event that you require another credit line. Liz: Exactly. Sean: Another thing that I'm looking to look at this moment is the investments of people. There's been a lot of anxiety around retirement accounts. The stock market has seen plunge over the last couple of weeks. I'm wondering what you think people should approach this, and what to do if they're thinking about just totally pulling out. Liz: What's happening now with the market? And the reason it's so volatile is that those who make the trading as investors, also known as the traders, are looking ahead and thinking, "This is going to have an impact on the economy, but we don't know the extent." The market doesn't like uncertainty , which is why it's bouncing around the globe. If you're not retiring tomorrow, then this is just noise to you. What's happening day to day and month-to-month, is irrelevant. What matters is what happens in the long run, the coming 10, 20, 30 years. And we have the ability as human beings and as a country in bouncing back. Therefore, I believe that over the long term, our prospects are great and I'm planning to remain engaged and avoid paying attention to the chaos. If you're about to retire and you're looking to retire, that's a different story. Find a fee-only, fiduciary, accredited financial planner. Get another eye on your retirement plan to make sure that it still makes sense. Sean Then, yes it makes sense. This is one of those instances that you have to be aware of what you're eating so you don't fall into some sort of anxious situation where you're investing in things which could be detrimental to you twenty, 30 or more years down the line. Liz What we noticed, which was extremely interesting, was that many people jumped into markets. We had lots of visitors to our site when the market fell the first time, and I think there were many people on the sidelines going, "OK, here's my buying opportunity." And then the floor fell out of their feet and they're thinking, "Agghhhhh." This is a normal part of being an investor, these things happen and we've had bear markets before, and we've seen major corrections before. It does bounce back. For the people that are still sitting on the sidelines it's like you're not going to to catch it before it begins to increase and, when the stock market does rebound and does so so fast, you'll miss the bulk profits. Every financial expert that is of a high standard will advise you to stay the course, have an asset allocation plan, make sure your investments are in good shape and don't take a look. Sean Take a moment to turn off the news and go through a book. Liz: Exactly. Sean: Pop some popcorn. It's all right, fantastic. The last thing I want to discuss is the travel plans. Many people don't want to travel in the present however, they may have pre-existing plans to go for a trip to Machu Picchu or who knows where. However, the good news is that many airlines are actually making accommodations and removing cancellation charges, however the rules are changing on a daily basis it seems. So we actually have a link on our show notes post at nerdwallet.com/podcast to an article that is just regularly updated with different airlines' cancellation policies. If you've got travel plans coming up, check that out and ensure that you're taking a proactive approach to planning any trips that may be in the near future. Liz me: I've been a bit of amazed, in fact since we've lived with these horrendous changes fees, non-refundable deposits and finger-wagging and to see these travel companies acknowledge the that fact is awe inspiring and kind of like, hey, at least they're trying to do that. Sean Sean: Okay. I'm thinking that's the only thing we can do. For folks that are getting anxious, perhaps being a bit unsure about your finances be assured that you're not alone. However, be aware of the actions you can take to make this stressful period a little more bearable. Let's begin our guide to take away tips. First up, focus on what you are able to manage, not on what you cannot control. In the second, if you're unable to pay your bills on time, focus on paying the necessities: shelter, food, utilities, transportation. Lastly, during big market fluctuations like the ones we're experiencing this moment, concentrate on the long term , and avoid the day-to-day fluctuations. And that is all we have for this episode. Have a money question that you'd like to ask? Turn to the nerds and send us a text message or call in to (901) 730-6373, which is (901) 730-NERD. You can also email us at and visit nerdwallet/podcast for more details on this episode and remember to subscribe, rate and review us wherever you're getting this podcast. Liz Here's our brief disclaimer, thoughtfully crafted by the legal team of NerdWallet. Questions are answered by knowledgeable and talented finance writers, but we're not financial experts and investment advisers. The information provided is to general education and entertainment purposes only and is not applicable to your particular situation. Sean: And with that said, until next time, you can turn into the Nerds. About the authors: Liz Weston is a columnist for NerdWallet. She is a certified financial planner as well as the author of five books on money which include "Your credit score." Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. His writing has appeared in The New York Times, USA Today and elsewhere. Similar to... Dive even deeper in Personal Finance Take all the appropriate money moves For those who have any inquiries regarding where as well as the way to work with up to $255 california online payday loans, financeportalasf.ru,, you possibly can email us in the web-page. |
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