$255 Payday Loans Online Same Day Is Your Worst Enemy. 10 Methods To D…
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Smart Money Podcast: Coronavirus Edition Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able make financial decisions without hesitation. Although our site does not include every company or financial product on the market We're pleased of the guidance we provide, the information we provide as well as the tools we design are objective, independent, straightforward -- and cost-free. How do we earn money? Our partners pay us. This may influence which products we review and write about (and the places they are featured on our site) however it in no way affects our recommendations or advice which are based on many hours of study. Our partners are not able to promise us favorable ratings of their goods or services. . 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 finance columnist, co-host on"Smart Money," the "Smart Money" podcast Award-winning journalist and writer of 5 books on financial matters, among them the bestselling "Your Credit Score." Liz has been featured on a variety of radio and national TV shows, including"Today, "Today" program "NBC Nightly News," the "Dr. Phil" show, and "All things considered." Her columns are published in the media by The Associated Press and appear in hundreds of media outlets each week. Before joining NerdWallet, she was a writer for MSN, Reuters, AARP The Magazine and the Los Angeles Times. She shares a home in Los Angeles with a husband as well as a daughter, and a co-dependent golden retriever. And Sean Pyles Senior Writer | Personal financial, credit 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 particular focus on sensible 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' financial concerns on "Smart Money" Sean also interviews guests outside of NerdWallet and also creates special segments that explore subjects like the racial inequality gap, how to start investing, and the history for student loans. Before Sean was the host of podcasts at NerdWallet He also covered issues related to consumer debt. His work has been published in USA Today, The New York Times and elsewhere. When when he's not writing about personal finances, Sean can be found digging around his garden, taking runs , and taking 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 financial, 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 with The Oregonian in Portland in positions such as copy desk chief and team leader for design and editing. Her previous experience includes copy editing and news for a variety of Southern California newspapers, including the Los Angeles Times. She received a bachelor's degree in mass communication and journalism in the University of Iowa. A majority of the products featured here are provided by our partners who compensate us. This impacts the types of products we review and the location and manner in which the product is featured on the page. However, this doesn't affect our assessments. Our opinions are entirely our own. Here's a list of and . The NerdWallet Smart Money podcast, where we address your real-world money questions within 15 minutes or less. This week's theme is the coronavirus pandemic and how you can prepare financially in case of a aftermath. Know where every dollar is going to Find ways to spend your money on the things that you truly love, and less on the things that you don't. Our perspective The financial consequences of the novel coronavirus and the COVID-19 disease that can cause will be devastating, with lots of people losing jobs or having their hours cut as economic growth slows. It might be too late to create an emergency fund for three months but it's prudent to reduce your spending if possible and reserve money to provide yourself a modest buffer. Credit cards can be helpful during a situation of crisis. If you have a good credit score, you may be able to open a credit card that has a zero-interest teaser rate. If you don't have great credit may be tempted to take out payday loans, but those can be ruinously expensive. Instead, look for . Consider other community resources, such as the Jewish Free Loan Association. If you can't pay all your bills, try to prioritize the essentials such as shelter utilities, food, and transportation. Ask your lenders if hardship programs might be available. The crisis also has been a major influence on the market for stocks and has caused wild swings because of all the economic uncertainty. If you're a decade or more away from the money you've put in -- if your retirement is more than 10 years off, for example -- you can treat the gyrations in the background as a sound. If you're closer to retirement or already in retirement, you may . It's a good idea to consult an unpaid, fiduciary financial planner for an additional opinion on whether your retirement plans and investment allocations still make sense. It's not surprising that people's traveling plans are disrupted. Usually, insurance doesn't cover this kind of disruption, however . Our tips Make sure you focus on what you 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. Consider limiting your time spent on watching news updates. Prioritize your bills. If you can't pay your bills in full make sure you pay the most important things such as food, shelter utility bills, transportation. It is advisable to invest for the long run. The stock market will settle down and eventually recover. If your goal for your investment portfolio is greater than 10 years in the future, then you are able to ignore the day-to-day swings. More information about coronavirus is available on NerdWallet: Have a money question? Call us or text our number at 901-730-6373. You can also email us at . To hear previous episodes, go to the Episode transcript Sean Pyles: Welcome on the Smart Money podcast, where we answer your money-related questions within 15 to 15 minutes, or even less. I'm the host, Sean Pyles. Liz Weston: And I'm Liz Weston. As always, be sure to send us your money questions. Call or text us at (901) 730-6373. That's (901) 730-NERD. Contact us via email at Sean: This episode, we're taking on a topic that we've received lots of questions about in the past few weeks: coronavirus and the best way to financially brace for it. The impact of the new coronavirus as well as the COVID-19 virus which it causes are being felt in our economy. Many employees are seeing their hours reduced or being dismissed. The market is experiencing an emotional moment and many are trying to determine how to prepare for the worst, and this means strengthening your financial position and for some, increasing your toilet paper stock. Liz: Sean, you claimed that you thought it was an absurdity, but you discovered it wasn't. Sean Then I went to the store just last evening and found that the shelves were empty. Liz: Yeah. Sean Then I'm grateful having one of those Amazon subscriptions that I just buy every few months because without it I'd be there, taking napkins. Who knows? But it's definitely serious. There are a lot of people extremely anxious at the moment and many will be in a pretty poor financial situation. Liz Then in this episode of NerdWallet's Smart Money podcast, we'll discuss how to prepare yourself financially and mentally in the event that you can't pay your bills and why this is a great time to practice patience when it comes to investing. Sean: All right Let's get started. Liz: Let's begin with the mental preparation part because I think this is putting a strain on people in ways they didn't anticipate. Sean: Yeah. Liz Lisa: So Sean, what's going on about you? Sean Says: I'm definitely one of those who slide into a news hole when something like this happens. To me, that means simply looking on Twitter and listening to radio, and getting really caught up in these moment-to-moment updates, and to me that actually makes me feel nervous. I think I try to do this because I'm trying to regain any semblance that I'm in control. But I'm just hearing about things that I don't have any control over. And I think that most people are experiencing the same anxiety because it is pretty serious and there's a lot of uncertainty. So one thing that I believe is beneficial just mentally is for people to recognize their stress and not obsess over what they can't manage. Instead, try focusing on what you are able to control, like how much you're washing your hands , or the type of news you're watching and the pace of the news you consume. Liz: I think that putting some limitations on this is very clever. I mean, you would like to be a well-prepared citizen, and you need to be aware of the situation however I believe that we all reach a point at which it's too much. Sean Says: Yeah I really enjoy doing things that help me appear to have some form of self-control. This is one of them. I deleted Twitter from my phone, and I added an extension for my browser to make it possible to only be able to view it for 5 minutes each day. This way, when I have the urge to see something that interests me, I'll go to the news site instead of simply scrolling through the feed of people screaming into the darkness. Just find some way to make it so that you're moderating the content you're reading because it's really easy to get really worked up about this kind of stuff. Liz: Yeah, absolutely. Sean I think that's good mentally, but there are plenty of things you can do financially to prepare yourself for an event like this. Liz Sheryl: I was thinking about the experience of entering a grocery shop and finding that the shelves are empty. Then you realize that it's too far too late to get ready today. Sean: Mm-hmm. Liz says: There's only a certain amount you can do. If, for example, you've been living paycheck-to-paycheck pay, and recently quit your job I'll tell you to have a three-month emergency fund and it's like, "Well, that was extremely helpful." So obviously, in the event that you do have a job, if you're still working you should be careful about spending, you do want to put a little bit of extra money aside. We at NerdWallet have never been huge in putting your emergency fund first since there are a lot of other financial considerations that must be considered which are more important in the long run. However, we would like you to have at least some sort of emergency fund -- $500, $1,000, or anything that can help you get free from the paycheck to paycheck cycle that's really easy to get into. If you have that good thing, then good for you. If you're in a position in which this comes a little too late, we've got some other suggestions for you. Sean: That's one thing I thought about too. A lot of folks realistically are living paycheck to paycheck. They don't have an emergency savings account and, in the present timeparticularly in the event that your hours have been cut -- now is when you should tap this. The thing I'm thinking about here is I know that a lot of folks are going to be using their credit cards. And in the event that you don't have any savings, I believe now could be a good time apply for a 0 APR credit card which could offer a short-term cash buffer. We don't usually suggest taking on debt, but if you require a bridge for the cost of your current expenses, this could be an option. Make sure you pay all your bills punctually to ensure that your credit stays steady and have a plan to clear this debt before that zero APR period is over. Because these cards are all credit cards, your APR period typically ranges between 12 and 15 months , and after that , interest rates could kick up to 15% or more. Be aware of this. Liz Liz: There are some alternatives for payday loans. When you search for payday loan alternatives, some of these are likely to pop up and they're things like charitable organizations. I'm aware that the Jewish Free Loan Association is in the public domain declaring, "Hey, we've got money to help people." Short-term grants could be a possibility. There are food banks. People are trying to help in various ways. Therefore, there are alternatives for payday loans. payday loan. Payday loans are really scary. Sean: Right. Liz A: People take out the money , and then they end up in a situation in which they cannot pay it in full when payday arrives and end up owing, owing, owing, and not being capable of regaining their feet. So anytime you're thinking about one of these loans consider looking for alternatives. Sean: Now is the best moment to take a look at your local community and find out what resources there are. This is when the majority of these organizations as well as local groups for community are kicking into high gear because this is the event they've been planning for. They're there to support you. However, the resources are limited and it's hard when you do lose your job. This is what a lot of people, particularly in the service sector, are going through right now. And maybe in two weeks, they'll be able to say, "Hey, I can't pay all of my bills at this moment." So I want to talk about this with you Liz because this is going to be extremely difficult, and it's likely to affect many people. Also, Liz, I know that you've written an article titled "How to Pay Your Bills When You Aren't able to Pay Your Bills." What would be your advice here? Liz The key is to be triage. That means you have to put the most crucial things first. That's the most important things. It's food as well as shelter, the roof over your head, lights heating, transportation if you need to get to work or to go to the doctor or whatever it is. So those are the essentials you need to ensure you are protected no matter what. This is important to remind people because when they fall in arrears with their bills the collectors begin calling them and they get scared and pay whoever's being the nastiest. You really need to put your family and yourself first and take care of the essentials. After that, do a triage again on the rest of your charges. Which ones are the most severe negative consequences in case you don't pay? Which ones have some leeway? Student loans like student loans generally have a forbearance or deferral that allow the borrower to be able to go on not having to pay for a period of time. The lenders are generally much more accommodating in difficult times, allowing people to change payment plans or put off a payment or something similar to that However, you have to remain in contact with them. You need to communicate with them. If you simply stop paying, you may have missed some sort of program that could benefit you. You could also have damaged your credit without good reason. Sean: Yeah, this could be among those 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 the creditors are actually putting out programs to be ahead of the game and they're declaring, "Hey, we realize that things aren't easy in the present. If you can't pay your bills contact us." But you do have to make that call. Liz: Yes, absolutely. We talk in another podcast about what you can do to pay the IRS in the event that you're unable to pay the IRS. So, that's the other issue that people are grappling with. If you do have a tax bill that cannot be paid, once again you have options to pay Don't be shy and try to find for them, but it could really help. Sean He wants their money and want to be able to work with you and have an enjoyable connection with your. Therefore, it's important to be proactive. Which is, yeah, probably the last thing you want to do when you're fighting an illness and worry about getting some horrible illness. It takes around 10 minutes. Give them a call and try to figure this one out, as the one thing you do not would like to do is fall into default and ruin your credit score. This could make it more difficult for you in the future, if you do need a new line of credit. Liz: Exactly. Sean: A different thing I'm looking to look at right now is people's investments. There's been a lot of anxiety around retirement accounts. The stock market has seen plunge in the last few weeks. I'm wondering what you think people should think about this and what people should consider if they're thinking of taking a complete and total withdrawal. Liz: What's happening now in the stock market? the reason it's so volatile is because the people who do the trades and the investors are looking ahead and going, "This is going to affect the economy, and we don't know exactly how much." The stock market is averse to uncertain times, so you're seeing it go around the globe. If you are not retiring tomorrow, then this is just an unintentional noise. What's happening from day to day and month-to-month, doesn't matter. What matters is what happens in the long term, over the coming 10 20 years, 20, 30 years. And we have an incredible ability as human beings and as a nation in bouncing back. Therefore, over the long term, our prospects are great so I'm going to stay engaged and avoid paying much attention to the chaos. If you're planning to retire and you're looking to retire, that's a different story. Find an unpaid, fiduciary, certified financial planner. You should have another pair of eyes look over your retirement plan to make sure it makes sense. Sean Then, yes that's logical. It's another one of those situations where you need to control what you're consuming so you don't fall into a tense situation where you're taking your money out that could cause harm 20, 30 years from now. Liz says: What we saw, which was extremely interesting, was that a lot of people dived in the markets. We saw a lot of visitors to our site initially when the stock market went down the first time, and I think there were lots of people sitting on the sidelines thinking, "OK, here's my buying opportunity." And then the floor fell out of their feet and they're like, "Agghhhhh." This is a normal part of investing, this stuff happens and we've experienced bear markets before, and we've had major corrections before. It does bounce back. For the people that are in the midst of a slump, it's like, you're going to to catch it before it starts running up and, if the stock market does rebound and does very quickly, and you'll miss the bulk profits. This is why every financial professional who's worth their salt is advising you to stick with the plan, establish an asset allocation, make sure your investments are in good shape and don't take a look. Sean You can turn off the news and go through a book. Liz: Exactly. Sean: Put on some popcorn. All right, great. Another thing I'd like to touch on is travel plans. There are many people who aren't planning to travel in the present however, they may already have plans to Machu Picchu or who knows exactly where. However, the positive side is that a lot of airlines are actually offering accommodations and waiving cancellation fees, but the policies change frequently 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. So if you have travel in the near future, check that out and make sure you're taking a proactive approach to managing any plans you may have in the near future. Liz The writer: I'm kind of astonished, actually as we've had to live with these horrendous change fees and non-refundable deposits and finger shaking and to have all these travel agencies acknowledge reality is astonishing and it's kind of like, hey, at least they're doing it. Sean Sean: Okay. I think that is the only thing we can do. For those who are worried out there, being a bit unsure about your finances be assured that you're not alone, but take note of some steps you can take to make this stressful period a little more bearable. And with that, let's get to our takeaway tips. The first is to focus on what you are able to control, not what aren't able to control. If you are unable to pay all your bills, focus on paying the necessities including food, shelter and utilities, as well as transportation. Finally, in the event of major market volatility like what we're seeing right now, focus on the long term , and avoid the day to day swings. That's the only thing we can offer for this episode. Do you have a financial question that you'd like to ask? Contact the nerds, and contact us or text your question in to (901) 730-6373 that's (901) 730-NERD. You can also contact us at and visit nerdwallet/podcast for more information about this episode and remember to rate, subscribe and review us wherever you're getting this podcast. Liz: And here's our brief disclaimer that was thoughtfully written by the legal team at NerdWallet. Your questions are answered by skilled and experienced financial writers, however we are not financial or investment advisors. This information is intended to general education and entertainment reasons and may not be applicable to your particular situation. Sean Says: With that said, until next time, you can turn into the Nerds. About the authors: Liz Weston is a columnist at NerdWallet. She is certified as a financial planner and author of five money books including "Your Rating 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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