Eight Habits Of Extremely Effective $255 Payday Loans Online Same Day
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Smart Money Podcast: Coronavirus Edition Advertiser disclosure You're our first priority. Every time. We believe everyone should be able make financial decisions with confidence. Although our site doesn't feature every company or financial product in the marketplace, we're proud that the guidance we offer as well as the advice we provide and the tools we create are impartial, independent simple, and cost-free. How do we earn money? Our partners compensate us. This could influence the types of products we review and write about (and where those products appear on the site) However, it in no way affects our recommendations or advice which are based on many hours of research. Our partners cannot be paid to ensure positive ratings of their goods or services. . Smart Money Podcast: Coronavirus Edition By Liz Weston, CFP(r) Senior Writer | Personal finance economics, credit scores, Liz Weston, CFP(r), is a personal finance columnist host of"Smart Money," the "Smart money" podcast, award-winning journalist and author of five books about financial matters, among them the best-selling "Your credit score." Liz has been featured on a variety of national radio and television programs, including"Today," the "Today" show "NBC nightly news,"" as well as the "Dr. Phil" show, as well as "All things considered." Her columns are published by The Associated Press and appear in a variety of media outlets each week. Before joining NerdWallet, she was a writer articles for MSN, Reuters, AARP The Magazine and the Los Angeles Times. She lives with her family in Los Angeles with a husband along with a daughter and a co-dependent golden retriever. and Sean Pyles Senior Writer | Personal financial, financial debt Sean Pyles leads podcasting at NerdWallet as the host and producer of the NerdWallet's "Smart Money" podcast. In "Smart Money" Sean talks with Nerds across NerdWallet's NerdWallet Content team to answer the listeners' questions about personal finance. With a focus on thoughtful and actionable money advice, Sean provides real-world guidance that will help consumers improve the financial situation of their lives. In addition to answering listeners' money questions on "Smart Money" Sean also interviews guests who are not part of NerdWallet and also creates special segments to explore topics like the racial wealth gap, how to start investing, and the history for student loans. Before Sean lead podcasting at NerdWallet the company, he also wrote about topics related to consumer debt. His work has appeared on USA Today, The New York Times as well as other publications. When Sean isn't writing about personal finances, Sean can be found working in the garden, taking runs and taking his dog for long walks. He is based in Ocean Shores, Washington. Mar 23, 2020 Edited by Kathy Hinson Lead Assigning Editor Personal finance, credit scoring, debt and money management Kathy Hinson leads the core personal finance team at NerdWallet. Prior to joining NerdWallet, she worked for 18 years at The Oregonian in Portland in roles including copy desk chief and team editor and designer. Her previous experience includes copy and news editing for several Southern California newspapers, including the Los Angeles Times. She earned a bachelor's degree in mass communications and journalism at the University of Iowa. The majority or all of the items featured on this page come from our partners, who pay us. This impacts the types of products we review and the location and manner in which the product appears on a page. However, this does not affect our assessments. Our opinions are our own. Here's a list and . The NerdWallet Smart Money podcast, where we will answer your real-world financial questions in just 15 minutes or less. This week's theme is the coronavirus outbreak and how you can prepare financially to deal with the aftermath. Find out where every dollar gets spent Find ways to spend your money on the things you love and spend less on things you don't. Our take The financial effects from the coronavirus novel and the COVID-19 disease that is causing it are likely to be severe, with a lot of people losing jobs or having their hours cut when economies slow. It's probably too late to create an emergency fund for three months but it's sensible to cut down on spending if possible and reserve an amount of cash to allow yourself a little cushion. The ability to access credit could be beneficial in times of crisis, as well. Creditworthy people may be able to open a credit card with a 0% teaser rate. If you don't have great credit might be tempted to get payday loans, but those aren't cheap and can be extremely expensive. Consider looking elsewhere for . Consider other community resources, like Jewish Free Loan Association. Jewish Free Loan Association. If you're unable to pay your bills, make sure to prioritize the most important things like shelter, food, utilities and transportation. Ask your lenders if hardship programs might be available. The economic crisis has also been a major influence on the market for stocks, which has seen some dramatic swings as a result of the uncertainty in the economy. If you're a decade or more away from the money you've put in -- for instance, if retirement is more than 10 years off in the case of a hypothetical example, you can treat the gyrations as background noise. If you're near retirement , or are already in retirement, you may . This is the perfect time to talk to an independent, fee-only financial planner for an additional opinion about the extent to which your retirement plans and investment allocation are still a good idea. And of course, people's journey plans were upended. Usually, insurance doesn't cover this kind of disruption, however . Our tips Make sure you focus on what you manage, not what you can't. It's essential to keep yourself informed, but not to take too much of the negative news. Try to limit your time in front of news reports. Prioritize your bills. If you're unable to pay your bills in full pay for the necessities such as food, shelter, utilities, transportation. Invest for the long term. The stock market will slow down and then recover. If the goal of your investments is more than 10 years in the future, you can ignore the day-to-day swings. More about coronavirus on NerdWallet: Have a money question? Text or call to us on 901-730-6373. We can be reached via email at . To hear previous episodes, go to the Episode transcript Sean Pyles: Welcome on the Smart Money podcast, where we answer your money questions within 15 to 15 minutes, or even less. I'm Sean Pyles. Liz Weston: And I'm Liz Weston. Be sure to email us any questions regarding your money. Call or text us by texting us at (901) 730-6373. That's (901) 730-NERD. Contact us via email at Sean In this episode, we're taking on a topic that we've received a number of inquiries about over the past few weeks: coronavirus and the best way to financially brace for it. The effects of the novel coronavirus as well as the COVID-19 virus that it causes are already being felt in our economy. Many employees are seeing their hours cut or are being dismissed. The stock market is having a conniption and people are trying figure out how to brace for the worst. that means shoring up your finances and for some, increasing your stock of toilet paper. Liz: Sean, you have said that you thought that it was a joke, but then you discovered it wasn't. Sean: I went to the store just last night and all the shelves had been empty. Liz: Yeah. Sean Says: I'm happy to have one the Amazon subscriptions where I purchase every month because I'd be looking for napkins. Who knows? But it's pretty serious. There are a lot of people very anxious and many are going to be in a very poor financial situation. Liz: So in this episode of the NerdWallet Smart Money Podcast, we're going to talk about how to prepare yourself mentally and financially and what you should do if you can't pay your bills, and why now is the perfect time to work on your patience with your investments. Sean"Sir": Alright Let's get started. Liz: OK, let's begin with the mental preparation aspect because I believe this is taking a lot upon people, in ways maybe they weren't expecting. Sean: Yeah. Liz: So Sean is there something wrong with you? Sean Says: I am definitely one to fall down a news hole when this occurs. It's only looking at Twitter and listening to radio, and getting completely caught up in these moment-to-moment updates and that can make me anxious. I suppose I do this in order to regain any semblance that I'm in control. But I'm actually listening to things I don't have any control over. And I think that many people are feeling similarly anxious because this is a serious issue and there's lots of uncertainty. So one thing that I believe is beneficial to think about is to recognize their stress and not obsess over what they cannot manage. Instead, focus on what you can control, like the amount you're washing your hands or the kind of news you're watching and the pace of that news consumption. Liz The idea of putting some limitations on this is very intelligent. I mean, you would like to be a well-prepared citizen, you want to know the current situation However, I think that we all reach a point at which it's excessive. Sean says: Yes I really enjoy doing things that make me appear to have some form of self-control, like this. I have deleted Twitter off my phone . I added an extension on my web browser that makes it possible for me to be able to view it for 5 minutes a day. So, whenever I have the urge to check out something that interests me, I'll go to an information site and not just falling down the feed of people screaming in the dark. You just need to find a way to make it so that you are limiting the content you're reading because it's very easy to get all worked up about this kind of stuff. Liz: Yeah, absolutely. Sean: I think that's good mentally, but there are many ways you can take financially to prepare yourself for an event such as this. Liz: I was thinking about the feeling of walking into a grocery shop and finding there are no shelves, and you realize that it's way too far too late to get ready today. Sean: Mm-hmm. Liz: So there's a limited amount you can do. If, for example, you've been living paycheck to paycheck and you just got fired, I could tell you to have a three-month emergency fund and you'll be like, "Well, that was extremely helpful." That's why, even when you have a job, and if you're still working, you should be careful regarding spending. However, you might want to put a little bit of extra savings aside. And we at NerdWallet haven't been big in putting your emergency fund first because there are many other financial considerations that have to take place which are more important over the long term. We do however want to see you have some sort of emergency fund, be it $750, $1000, anything to get you out of the pay check to paycheck trap that's very easy to fall into. If you've got it, congratulations. If you're in the position where this is coming way too late, we've got some other suggestions for you. Sean: That's one thing that I was thinking about as well. Many people live paycheck to paycheck. They don't have an emergency fund and now is really -- especially in the event that your hours have been cut -- now is when you'll need to draw from the. One thing I'm thinking about here is that I'm aware that a lot of folks are likely to use their credit cards, and even if you don't have savings I believe that this could be the perfect time to apply for a 0 APR credit card which could offer a short-term cash buffer. While we generally don't recommend taking on debt, but if you need a bridge to cover expenses right now you might consider this as an option. Be sure to pay all your bills in time to ensure your credit stays steady and have a strategy to pay off the debt before the 0 APR period ends. Because all of these cards have a fixed APR, your period typically ranges between 12 to 15 months and after that interest rates can increase as high as 15%, or more. Be aware of this. Liz Also, there are alternative options in the form of alternatives to payday loans. So if you search on payday loan alternatives, some of these will show up and they're things like charities. I'm aware that the Jewish Free Loan Association is out there telling people, "Hey, we've got cash for those who need it." There are short-term grants that could be a possibility. The food bank is a possibility. People are who are trying to help in different ways. So there are alternatives for payday loans. payday loan. Payday loans can be very scary. Sean: Right. Liz The borrower is a woman. money and they get stuck in a trap that they aren't able to pay in full when payday arrives and end up owing, owing, in debt, and aren't in a position to get out. So if you're thinking of one of those loans, look for an alternative. Sean says now is the perfect moment to check out your community and see what resources there are. This is the time of year when the majority of these organizations as well as local groups for community are kicking into high gear since they've been preparing for. And they're there to help you. But the resources are finite and it can get really difficult when you lose your job as a lot of people, particularly in the service industry, are experiencing right now. Perhaps in the next few weeks, they're going to realize, "Hey, I can't pay all my bills at this moment." So I want to talk about this with you Liz, because this is going to be really hard, it's going to impact a ton of people. Also, Liz, I know that you wrote an article entitled "How to Pay Your Bills When You Can't Pay Your Bills." What do you think is the best advice for this? Liz Sheryl: You must do triage, which means you need to prioritize the most important things first. The most essential of these is. That's the food you eat, the shelter, the roof that covers your head, lights, heat, transportation, when you have to go to work, or to get to the doctor, or wherever it is. These are the things that you should protect regardless of. It's important to remind people because when they do fall in debt the collectors begin calling them and they get scared and pay whoever is being the most rude. You really need to put your family and yourself, first and cover the essentials. Then, you make a second round of triage for the other charges. Which ones carry the most negative consequences of not being paid? What ones allow for some flexibility? Students loans, for example, typically have some kind of deferral or forbearance that allows you to get away with not having to pay for a period of time. Lenders typically have been more responsive during bad times to letting people switch payment plans, or put off a payment or something similar to that, but you need to keep in touch with them. You need to communicate with them. If you just stopped paying, you could have passed up some sort of program that could benefit you and you could have hurt your credit for no legitimate reason. Sean: Yeah, this is one of those things where you have to do your work before the due date. But one thing that I've been quite pleasantly surprised to observe in the last week is that a lot of the creditors are actually putting out programs to be ahead of the game and are saying, "Hey, we realize that things aren't easy right now. If you can't pay your bills contact us." However, you must make that phone call. Liz: Yes, absolutely. We talk in another podcast about what you can do to pay the IRS even if you aren't able to make payments to the IRS. That's another thing that's being revealed that people are grappling with. If you're facing an unpaid tax bill cannot be paid, once again there are options for payment, so don't hide from looking the options, and they could be a huge aid you. Sean The people they want to work with are looking for their money and they want to be able to work with you and establish an enjoyable relationship with you. This means that you must be proactive, which is, perhaps the last thing you'd like doing when suffering from a cold and are worried about contracting a terrible illness. But it takes about 10 minutes. Give them a call and try to work out the details because the last thing you would like to do is fall into default and damage your credit score, which will make things harder in the future if you do need a new line of credit. Liz: Exactly. Sean: Another thing that I'm looking to look at right now is people's investments. There's been a lot of worry about retirement accounts. We've seen the market drop sharply in the last few weeks. I'm curious about how people should approach this, and what they should do if they're thinking about taking a complete and total withdrawal. Liz: What's happening now in the stock market? the reason why it's so volatile is that the people who do the trades and the investors are looking ahead and saying, "This is going to affect the economy and we don't know how much." The market doesn't like uncertain times, so it's bouncing all over the place. If you're not planning to retire tomorrow, then this is just noise to you. What's happening day to day from month to month doesn't matter. What is important is what happens over the long run, the next 10 20 years, 20, 30 years. We have the capability as humans and as a nation to rebound. Therefore, I believe that in the long run, our prospects are great and I'm planning to remain invested and I'm going to be careful not to pay any attention to the noise. If you're planning to retire, it's a different situation. Find an independent, fee-only, fiduciary certified financial planner. You should have another eye on your retirement plan in order to make sure it's still making sense. Sean Sean: Okay, well, that makes sense. This is one of those situations where you must be mindful of what you're consuming so you don't fall into a tense condition that leads to pulling out your investments that could cause harm 20, 30 years later. Liz: Well, what we observed, and found really interesting, is a lot of people dived into the market. We saw a lot of people visiting the website initially as the stock market went down the first time, and I think there were many people sitting on the sidelines going, "OK, here's my opportunity to buy." Then the floor slid out from underneath them and they're like, "Agghhhhh." But this is just part of investing, this stuff happens and we've had bear markets in the past, we've experienced major corrections prior to that. However, it does rebound. For the people that are waiting on the sidelines, it's like, you're going to to catch it before it begins to increase and, if the stock market does rebound in the future, it usually does extremely fast, which means you're going to miss most profits. Every financial expert who's worth their salt is advising you to stick with the plan, establish an asset allocation and ensure that your investments continue to grow and not take a look. Sean You can turn off the TV and go through an ebook. Liz: Exactly. Sean: Go ahead and put on some popcorn. It's all right, fantastic. One last thing I wanted to discuss is travel plans. There are many people who aren't planning to travel at the moment however, they may have plans in place to travel to Machu Picchu or who knows what else. The positive side is that a lot of airlines are making accommodations and waiving cancellation charges, however the rules are changing every day 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. So if you have travel coming up, make sure to check it out and ensure that you are taking an proactive approach to managing any plans that may be in the near future. Liz me: I've been a bit of astonished, actually since we've lived with these awful fee for changes and deposits that aren't refundable and finger-wagging and to have all these travel companies acknowledge the this fact is amazing and as if, at the very least, they're doing it. Sean Sean: Okay. I'm thinking that's the only thing we can do. If you're worried out there, being a bit unsure about your finances, know that you're not the only one, but take note of some actions you can take to make this difficult time a little bit easier. Let's begin our guide to take away tips. The first is to focus on what you are able to control, not what cannot control. In the second, if you're unable to pay your bills on time, focus on paying the essentials such as food, shelter, utilities, transportation. Finally, in the event of major market fluctuations like the ones we're experiencing at present, think about the long term , and avoid the day-to-day fluctuations. This is all we have to offer in this episode. Are you having a question about money of your own? Contact the nerds, and send us a text message or call in to (901) 730-6373 which is (901) 730-NERD. We can also be reached by email at and also visit nerdwallet/podcast for more info on this episode and remember to subscribe, rate and review us wherever you're getting this podcast. Liz: And here's our brief disclaimer carefully crafted by NerdWallet's legal team. Your questions are answered by highly skilled and knowledgeable writers in the field of finance, but we're not financial experts and investment advisers. This information is intended for general educational and entertainment purposes only and is not applicable to your specific circumstances. Sean Says: With that said, until next time, you can turn towards the Nerds. The authors' bios: Liz Weston is a columnist at NerdWallet. She is a certified financial planner and 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. On a similar note... 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