I do not Wish to Spend This A lot Time On $255 Payday Loans Online Sam…
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작성자 Ariel Cowlishaw 작성일23-02-21 22:27 조회49회 댓글0건본문
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Smart Money Podcast: Coronavirus Edition Advertiser disclosure You're our first priority. Everytime. We believe that everyone should be able make financial decisions without hesitation. While our website does not include every company or financial product on the market We're pleased that the advice we provide and the information we offer as well as the tools we design are independent, objective, straightforward -- and completely free. So how do we earn money? Our partners pay us. This may influence which products we write about (and the places they are featured on our website) however it doesn't affect our advice or suggestions which are based on hundreds of hours of study. Our partners do not be paid to ensure positive review of their services or products. . Smart Money Podcast: Coronavirus Edition By Liz Weston, CFP(r) Senior Writer | Personal finance credit scores, economics, and personal finance Liz Weston, CFP(r), is a personal finance columnist, host of the "Smart money" podcast Award-winning journalist and writer of 5 books about money, including the bestseller "Your credit score." Liz has been featured on a variety of national television and radio programs including"Today, "Today" talk show "NBC The Nightly News,"" The "Dr. Phil" show and "All things considered." Her columns are published by The Associated Press and appear in a variety of media outlets every week. Prior to NerdWallet, she wrote articles for MSN, Reuters, AARP The Magazine and the Los Angeles Times. She lives with her family in Los Angeles with a husband as well as a daughter, and a golden retriever who is a co-dependent. as well as Sean Pyles Senior Writer | Personal finance and credit Sean Pyles leads podcasting at NerdWallet as the producer and host of NerdWallet's "Smart Money" podcast. On "Smart Money," Sean talks with Nerds on the 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 will help consumers improve in their finances. Beyond answering listeners' money concerns on "Smart Money," Sean also interviews guests outside of NerdWallet and also creates special segments on topics like the racial inequality gap as well as how to get started investing and the background of student loans. Before Sean was the host of podcasts at NerdWallet He also covered issues that dealt with consumer debt. His work has been published on USA Today, The New York Times as well as other publications. When when he's not writing about personal finance, Sean can be found digging around his garden, going for walks, or walking his dog for long walks. He is based in Ocean Shores, Washington. Mar 23 March 23, 2020 Edited 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. Her previous experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. She received a bachelor's degree in mass communications and journalism in The University of Iowa. Many or all of the products we feature are from our partners who compensate us. This influences which products we feature and where and how the product appears on a page. However, this does not affect our opinions. Our views are our own. Here is a list of and . We're pleased to welcome you to the NerdWallet's Smart Money podcast, where we will answer your real-world financial questions within 15 minutes or less. This week's theme is the coronavirus pandemic , and how to brace financially to deal with the consequences. Be aware of where every penny goes Find ways to spend more on the things that you truly love and spend less on things you don't. Our take The financial effects from the coronavirus novel as well as COVID-19, the disease is causing it are likely to be profound, with many people losing jobs or having their hours cut when economic growth slows. It may be too late to put together an emergency fund for three months but it's wise to cut back on your spending whenever possible, and to save money to provide yourself a small buffer. The ability to access credit could be beneficial in times of crisis, as well. If you have a good credit score, you could be eligible to apply for an account with a 0% teaser rate. People who don't have good credit might be tempted to get payday loans, but those could be extremely costly. Look instead for . Think about other community resources, for instance, Jewish Free Loan Association. Jewish Free Loan Association. If you're unable to pay your bills, try to prioritize the most important things like shelter as well as food, utilities and transportation. Contact your lenders to see what hardship programs are available. The financial crisis has also had a big impact on the market for stocks that has experienced dramatic swings as a result of the uncertainty in the economy. If you're 10 years or more from needing the money you've invested -- if your retirement is more than 10 years off, for example -- you could treat the fluctuations to be background sound. If you're closer to retiring or are already retired it's possible that you'll . Now is a good time to talk to an independent, fee-only financial planner for an additional opinion about whether your retirement plan and investment allocations still make sense. It's not surprising that people's traveling plans are upended. often doesn't cover this type of disruption, however . Our tips Concentrate on the things you can control, not on what you cannot control. It is important to be up-to-date, but don't overdose on negative news. You should consider limiting the time you spend on watching news updates. Prioritize your bills. If you can't pay all your bills, focus on paying the essential: shelter, food and utilities, as well as transportation. Make a long-term investment. The market will eventually settle and then rebound. If the goal of your investment is more than 10 years in the future, then you are able to put aside the fluctuations of the day to day. More about coronavirus on NerdWallet: Have a money question? Text or call to us on 901-730-6373. You can also email us at . To listen to previous episodes, visit the Episode transcript Sean Pyles: Welcome to NerdWallet's Smart Money podcast, where we answer your money questions in 15 mins or less. I'm your host, Sean Pyles. Liz Weston: And I'm Liz Weston. Always be sure to email us any questions regarding your money. Call or text us to (901) 730-6373. That's (901) 730-NERD. You can also email us at Sean: This episode, we're taking on a topic that we've received a number of inquiries about over the past few weeks: coronavirus, and how to prepare financially for it. The consequences of the new coronavirus and the COVID-19 disease that it causes are already being felt in our economy. Many employees are seeing their hours cut or are being laid off. The stock market is having an emotional moment and many are trying to determine how to prepare for the worst. that means shoring up your financial position and for some, doubling the amount of toilet paper in your home. Liz: Sean, you said you thought that was a joke, but then you discovered it wasn't. Sean said: I was in the store late last evening and found that the shelves were empty. Liz: Yeah. Sean: I'm glad having one of the Amazon subscriptions that I just buy every few months because without it I would be there taking napkins. I don't know. It's a serious issue. A lot of people are extremely anxious at the moment and many are going to be in a tight financial position. Liz Then in this episode of the NerdWallet Smart Money podcast, we're going to discuss how to prepare your financial and mental health, what to do if you can't pay your bills, and why now is a great time to practice patience with your investments. Sean"Sir": Alright Sean, let's go for it. Liz: OK, let's begin with the mental preparation part because I think this is taking a lot on people in ways they weren't expecting. Sean: Yeah. Liz: So Sean What's happening with you? Sean Sean: I'm sure I'll fall down a news hole when this occurs. It's only looking at Twitter and listening to radio and becoming completely caught up in these moment-to-moment updates, and to me that can make me anxious. I suppose I do this because I'm trying to feel like I have some sort of control, but in reality, I'm hearing about things that I don't have any control over. I believe that a lot of people feel similarly anxious because this is a serious issue and there's a ton of uncertainty. Therefore, one thing I believe is beneficial to think about is to recognize their anxiety and to not dwell on what they cannot manage. Instead, focus on the things you can control, like the amount you wash your hands, or the type of news you're reading and the frequency of your news consumption. Liz The idea of putting certain limits on it is really clever. I mean, you would like to be a well-prepared citizen, and you need to know the situation, but I think that we all reach a level where we're just excessive. Sean Says: Yeah I really enjoy doing things that make me feel like I have some kind of a sense of self-control like this. I deleted Twitter off my phone and I installed an extension to my internet browser that limits it possible to only be able to view it for 5 minutes per day. So, whenever I have the urge to see something it's a news website and not simply scrolling through the stream of people screaming in the dark. Find a way to make it so that you are limiting what you're consuming because otherwise it's very easy to get very upset about this type of stuff. Liz: Yeah, absolutely. Sean I think you're excellent mentally, however, there are a number of things that you can do financially to be prepared for the possibility of a situation such as this. Liz Sheryl: I thought about the experience of entering a grocery shop and finding how empty the shelves appear and you realize that it's too early to start preparing now. Sean: Mm-hmm. Liz The answer is that there's only a certain amount you can do. For instance, if you've been living paycheck-to-paycheck paycheck and you just got fired, I could suggest you have an emergency fund for three months, and then you'll think, "Well, that was very helpful." That's why, even if you do have a job, if you're still working, you want to be cautious about spending, you do have to put aside a bit of extra cash aside. And we at NerdWallet have never been huge in putting your emergency fund first since there are many other financial priorities that generally have to take place which are more crucial in the long run. However, we would like you to have at least some sort of emergency fund -- $500, $1,000, whatever that can help you get out of the pay check to paycheck trap that's really easy to get into. So if you've got that good thing, then good for you. If you're in the position where this is coming way too late, then we have other ideas for you. Sean I'm sure that's something that I thought about too. Most people live paycheck to paycheck. They don't have an emergency fund and now is really -particularly if your hours are cut the time you would want to tap this. One thing I'm thinking about right now is I know that many people will be using their credit cards, and if you don't have savings I believe that this could be a good time to apply for a 0 APR credit card which could provide a short-term cash reserve. While we generally don't recommend taking on debt, but if require a bridge for the cost of your current expenses it could be an option. Make sure you make all of your payments on time so your credit stays steady and have a plan to clear the debt before the 0 APR period is over. Because these cards are all credit cards, your APR period is typically between 12 and 15 months and after that interest rates can rise as high as 15%, or higher. So just be really aware of this. Liz: There are also alternative options to payday loans. When you search for payday loan alternatives, some of these are likely to pop up and are similar to charities. I'm aware that the Jewish Free Loan Association is in the public domain telling people, "Hey, we've got money for people." There are grants for short-term projects that are possible. The food bank is a possibility. There are many people who are trying to help in various ways. There are alternative options for payday loans. payday loan. Payday loans can be very scary. Sean: Right. Liz The borrower is a woman. cash and end up in a bind in which they cannot pay it in full when payday arrives and they just wind ending up owing, owing due, and then not being in a position to get out. So if you're thinking of one of these loans take a look at alternatives. Sean says now is the best moment to take a look at your community to see the resources available. This is the time when the majority of these organizations or local communities are getting into high gear because this is the event they've been working on. And they're there to help you. But the resources are finite and it's difficult when you lose your job, as many people, particularly in the service sector, are experiencing right now. Perhaps in the next few weeks, they'll realize, "Hey, I can't pay all my bills at this moment." So I want to talk about this with you Liz because this will be extremely difficult, and it's going to affect many people. And Liz I'm aware that you wrote an article titled "How to pay your bills when you Aren't able to Pay Your Bills." What would be your advice here? Liz: You have to do triage, which means that you must put the most important items first. That's the most important things. That's the food you eat and shelter, roof over your head, lighting 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 that you must protect no matter what. It's important to remind people of this because if they do fall in debt when collectors call, they get scared and pay whoever's being the nastiest. It is essential to prioritize your family, and yourself, first and cover the most essential things. After that, do a triage again on the remainder of your expenses. Which ones are the most severe negative consequences for not paying? What ones allow for some flexibility? Student loans, for example, usually have some form of forbearance or deferral that allow the borrower to be able to go on not having to pay for a period of time. In general, lenders have been a lot more responsive in difficult times, allowing people to change payment plans or put off a payment or similar however, you must remain in contact with them. You have to be talking with them. If you put off paying, you might have passed up some sort of program that could benefit you. You could also have affected your credit score for no legitimate reason. Sean: Yeah, this could be among those times that you must complete the work prior to the deadline. One thing I've been quite pleasantly surprised to observe in the last week is that many of the creditors are making plans to get ahead of this and are saying, "Hey, we realize that things aren't easy in the present. If you're unable to pay your bills, give us a call." But you do have to make that call. Liz: Yes, absolutely. In another podcast, we talk about how you can pay the IRS if you can't be able to pay IRS. That's another thing that's being revealed that people are struggling with. If you're facing a tax bill that isn't paying, yet, there are payment options Don't be shy from looking these out, but it can really aid you. Sean He wants their money and want to to work with you and establish an excellent relationship with you. This means that you must be proactive. Which is, yeah, probably the last thing you'd like to be doing when suffering from an illness and worry about contracting a terrible illness. But it takes about 10 minutes. You can give them a phone call and attempt to figure this out because the most important thing you don't want to do is to go into default and ruin your credit score. This will make things harder to come back to in the event that you require another credit line. Liz: Exactly. Sean: A different thing I want to turn to this moment is the investments of people. There's been plenty of anxiety around retirement accounts. The stock market has seen really take a nosedive in the past couple of weeks. I'm wondering how you think people should think about this and what people should do if they're considering completely pulling out. Liz: What's happening now in the stock market? the reason it's so volatile is that those who are making the trading as investors, also known as the traders, look ahead, thinking, "This is going to affect the economy, and we don't know how much." And the stock market hates uncertain times, so you're seeing it move around the globe. If you are not retiring today, then this is basically an unintentional noise. What's happening day to day from month to month doesn't matter. What matters is what happens in the long run, the next 10, 20, 30 years. And we have the ability as human beings and as a nation to rebound. Therefore, in the long run, our prospects are great therefore I'm going to stay engaged and be careful not to pay much attention to the noise. If you're planning to retire you're in a different position. Find an unpaid, fiduciary, qualified financial advisor. Have another objective set of eyes on your retirement plan to be sure that it still makes sense. Sean Then, yes it makes sense. This is one of those situations where you must be mindful of what you're eating so you don't get into a panic state where you end up taking your money out that could harm you 20-30 years from now. Liz What we observed, and found really interesting, is many people jumped in the markets. We had a lot of people visiting the site when the stock market crashed the first time, and I believe there were many people sitting on the sidelines going, "OK, here's my buying opportunity." Then the floor slid out of their feet and they're all like, "Agghhhhh." But this is just part of being an investor, it happens, and we've experienced bear markets in the past, we've seen major corrections before. The market does bounce back. For those waiting on the sidelines, it's like you're not going to be able to stop it before it begins to increase, and when the market is able to rebound in the future, it usually does extremely fast, which means you'll miss the bulk profits. This is why every financial professional who's worth their salt is advising you to stay the course, have an asset allocation and make sure your investments are in good shape and try not to take a look. Sean You can turn off the news and read the book. Liz: Exactly. Sean: Go ahead and put on some popcorn. Okay, good. Another thing I'd like to mention is travel plans. There are many people who don't want to travel right now, but maybe they have pre-existing plans to go for a trip to Machu Picchu or who knows where. The positive side is that a lot of airlines are actually making accommodations and waiving cancellation charges, though the rules are changing every day it appears. 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 make sure you're taking a proactive approach to managing any plans you may have coming up. Liz: I've been kind of amazed, in fact since we've lived with these dreadful fee for changes and deposits that aren't refundable and finger shaking, and to see all these travel agencies acknowledge reality is astonishing and it's kind of like, hey, at least they're trying to do that. Sean Sean: Okay. I'm thinking that's all we have time for. For folks that are getting worried out there, being a bit unsure about your finances, know that you're not the only one, but know that there are some steps you can take to make this difficult period a little more bearable. And with that, let's get to our takeaway tips. The first is to focus on what you can control, not what can't. Second, if you can't pay all your bills pay for the basics: shelter, food, utilities, transportation. Also, during major market swings like we're seeing this moment, concentrate on the long term , and avoid the day to day swings. This is all we have for this episode. Do you have a financial question that you'd like to ask? Contact 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 also visit nerdwallet/podcast for more details on this episode and remember to subscribe, rate and review us whenever you're listening to this podcast. Liz We've included a brief disclaimer carefully crafted by the legal team at NerdWallet. The answers to your questions are provided by knowledgeable and talented writers in the field of finance, but we're not financial experts or financial advisors. This nerdy info is provided to general education and entertainment purposes only and is not applicable to your specific circumstances. Sean Says: With that said, until next time, we'll turn towards the Nerds. About the authors: Liz Weston is a columnist at 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 work has been published on The New York Times, USA Today and elsewhere. On a similar note... 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