Articles

FTC Warns About the Rise in Work-at-Home Scams

Don’t Fall Victim to Work-at-Home Scams

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There's a phone call. A friendly voice wants to follow up with your application. The person lists their credentials and states that they're interested in hiring you. It's one of the most common work-at-home scams encompassing our economy. Essentially a phone phisher, they promise a job you can perform in the comfort of your home, as long as you answer a few questions first.    The FTC warns about giving personally identifiable information (PII) over the phone. While there are legitimate companies that conduct telecom interviews, there are very few instances when they take your social security number at the...
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How to Negotiate Car Financing For a Better Deal

How to Negotiate Car Financing For a Better Deal

By | Articles, Finance | No Comments
Imagine you're sitting in an office at the dealership, and the sales associate returns with bad news. They don't have the authority to complete the deal without approval from the finance manager. You know they are going to ask you to provide more money per month; or a larger down payment. If only there were a way to save time and negotiate car financing like a pro. While most of us have been through the hassle of buying a new car at least once, not everyone understands the complete process. Even if you prefer to shop a used vehicle, negotiating...
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Six Hidden Gems of Cape Coral Fun

By | Achieva in the Community, Articles, Lifestyle | No Comments
You don’t have to wonder far to have fun. Throw on your fanny pack and play tourist for the day in your hometown. As an example, we’ll use the beautiful Cape Coral as our playground. Step 1: Sit down and make a list of fun activities you’d like to check out. Some ideas are below! Step 2: Map out each activity to determine the best time and route to take the night before your adventure. Step 3: Fuel up the vehicle! No one wants to ruin a fun day running on empty. Now you’re ready to explore the unknown. In...
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Going Green At Home In 4 Easy Steps

By | Articles, Going Green, Health & Fitness, Lifestyle | No Comments
Green is the new black! Well, at least in the sense of becoming more environmentally friendly. It may not be the most popular color on the runway—black still holds the most fashionable title—but green IS trending when it comes to lifestyle choices. Most people, when polled, agree that we need to be more aware of our impact on Earth. We all know the classic 3 R’s of going green at home: Recycle, Reduce, Reuse. It was a fun chant back elementary school! There’s even a new “R” now: Rethink. The problem lies in the action. It’s overwhelming to face a...
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Secret Airbnb Booking Tips That Will Save You Money

Clever Airbnb Booking Tips That Will Save You Money

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Winter is just a few months away, and it's time to think about how you will spend your holiday. For some, the December break calls for a quiet trip to the mountains. For others, they prefer traveling closer to the equator for year-round fun in the sun. Regardless of what your final choice is, use these secret Airbnb booking tips to save serious cash. Airbnb introduces enhanced cleaning protocols A recent press release from Airbnb describes changes to rental cleaning requirements. The increased efforts vow to keep vacationers safe and offer consumers more for their money, such as private kitchens and...
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Cut Monthly Expenses with 6 Simple Tricks

Creative Ways To Cut Monthly Expenses

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It's a common desire to want flexibility within our budgets. Households all across the United States either want to increase their intake, cut monthly expenses, or in best-case scenarios, both. What if we told you that a slight change in behavior would go a long way? How's an extra $1200 left in your budget every year sound?  What mastering the "latte factor" does for your budget As we begin this article, we'll get the most obvious way to cut monthly expenses out into the open. The "latte factor" regards to the appeal presented by drive-thru coffee. As mentioned before, skipping...
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Recession-Proof Business Ideas to Keep Afloat

Recession-Proof Business Ideas That Stay Profitable

By | Articles, Business | No Comments
For the recent grads of 2020, choosing a career path serves to be a daunting task. College feels right, but what area of study should they choose? Even more so, adults looking to renew their skillset are having difficulty picking a subject of interest. The market needs recession-proof business ideas, and it needs it now. What we've learned from the pandemic is that no situation remains static. All areas of life, as we know, change. From the realization of vulnerability and adjusting vitality, what can we do to become more stable? Where's the best place to put our focus? Experts...
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Essential Sinking Fund Categories to Use in Your Budget

Essential Sinking Fund Categories to Use in Your Budget

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Everyday life requires its own set of quintessential purchases. There are things that every budget should account for, like food, water, and shelter. Additionally, there must be a plan for occasional spending on higher-priced items, such as cars, washing machines, and other primary goods. While sinking fund categories vary from household to household, the steps to obtain the resources are mainly the same.  Why Do I Need a Sinking Fund? A sinking fund is necessary because it keeps people out of financial hardship. Instead of being caught off guard, the household creates a plan to save for larger purchases. For...
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good credit

Help Your Teen Establish Good Credit

By | Articles, Business, Finance, Lifestyle | No Comments
If you think showing your teenager how to balance a checkbook is hard…try explaining how to maintain good credit! Ah, the joys of adulting. Many adults don’t quite understand the intricacies of the credit system. So, the idea of breaking it down where a teenager can grasp the intricacies is laughable. Yet, it must be done! Otherwise, your impressionable teen may fall into a very expensive trap when they turn 18. As of 2018, the average American carries around $90,000 in debt (1). Of that debt, the average credit card debt is around $6,849 (2). Yikes! That’s not even taken...
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have fun

Fun For Free (Or Close To It)

By | Articles, Finance, Lifestyle | No Comments
You don’t have to spend a fortune to have fun. In fact, some of the most memorable moments are free! Finding time to have fun, and spending time with our loved ones, is important for so many reasons. Improved health, increased productivity, and overall life satisfaction. Yet, we tend not to prioritize it. Sometimes, the reason is a tight budget. Let’s nip that excuse in the bud now. Here are some great ways to have fun for free, or close to it! Here are just a few fun ideas on a tight budget: A water gun fight in your own...
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