Archive for Jim Gold

10 Work-From-Home Jobs That Pay 6 Figures

By Money Talks News...

You don’t have to sacrifice good pay to work from home.

FlexJobs, a subscription-based online service specializing in work-from-home and other flexible job postings, recently identified 10 positions that pay near or well over six figures.

“Sure, work-from-home jobs are available in lower pay grades, but it is clear that flexibility is not constrained by experience level or a high salary,” said Jessica Howington, Flexjobs content team lead.

The list comes as the number of people in work-from-home jobs continues to grow. About 3.7 million employees (2.8 percent of the workforce) work from home at least half the time, according to Global Workplace Analytics.

More than 8 in 10 people surveyed about telecommuting say working from home contributes to work-life balance. Some who seek telecommuting positions say they are more productive working from home rather than an office; others say dropping commute time adds to time spent exercising and other healthful habits.

The top-paying jobs and their job descriptions that FlexJobs found:

 

  • Supervisory attorney, $117,000 – $152,000: Oversees less-experienced attorneys, provides legal guidance and support, supervises other attorneys and their assigned cases and staff.
  • Senior software engineer, $100,000 – $200,000: Responsible for developing and running software programs, overseeing related projects, managing a team of software engineers, troubleshooting technical issues, and debugging software.
  • Senior medical writer, $110,000 – $115,000: Reviews medical information, writes documents, edits other medical writers’ submissions and works with senior management to keep projects on track at a variety of health care-related companies including medical publishers and pharmaceutical companies; usually needs a degree in a science or medical discipline.
  • Director of quality improvement, $100,000 – $175,000: As part of a company’s operations and technical teams,+ is responsible for working to design and develop best practices related to systems administration and data architecture.
  • Clinical regulatory affairs director, $150,000 – $151,000: Plans, prepares and submits products for market nationally and internationally, writes regulatory documents for clinical trial applications, and assists with marketing documents.
  • Research biologist, $93,000 – $157,000: Explores and studies biology in a lab or out in the field while researching interaction of organisms and environments; specialized fields include zoology, taxonomy, physiology, population biology and ecology.
  • Director of business development, $100,000 – $151,000: Helps drive sales and revenue, responsible for established clients and new business, oversees sales teams for larger companies.
  • Environmental engineer, up to $110,000: Performs as expert to reduce environmental waste and damage, including managing ways to protect the Earth and human populations from harmful chemicals and pollution, ensuring compliance with regulations and, in some cases, assisting in development of regulations.
  • Major gifts officer, up to $90,000: Cultivates and solicits current and prospective donors for large-sum donations by using sales skills, organizational skills and working independently; extensive travel may be required.
  • Audit manager, $90,000 – $110,000: Leads, plans and executes financial and operational audits for companies or clients, works with stakeholders to understand the outcomes and impacts of the audit, ensures future compliance, and evaluates internal systems, policies …read moreRead more here: 10 Work-From-Home Jobs That Pay 6 Figures

    Category: careers, economy, six figures, work from home

 

5 Do’s and 4 Don’ts to Repair Your Credit

By Money Talks News…..

It pays to repair a broken credit report, but avoid scams that could cost you thousands.

Removing negative items from your credit report can help improve your FICO score, making it easier to buy or rent a home, get insurance, buy a car – and sometimes even make the difference in getting a job. A higher credit score can mean lower interest rates when you go to acquire a mortgage or car loan.

For example, say you put 20 percent down on a $300,000 home. According to online mortgage calculators, like one we tested at Zillow, over the 30-year life of your $240,000 loan, at a 3.5 percent interest rate you’d spend $147,974 in interest; at 6 percent, you’d spend $278,013 in interest.

From our Solutions Center: Free help with your credit score

That’s why so many people try to repair their credit. Many turn to professionals for help, but experts, including Money Talks News’ Stacy Johnson, will tell you to be careful as there are many scammers out there.

The Federal Trade Commission, for example, recently asked the courts to help shut down one allegedly bogus firm that traded on the consumer protection agency’s name. The Los Angeles-area company called itself FTC Credit Solutions, but the initials really stood for First Time Credit Solution, the agency said.

The firm’s actions, it alleged, were typical of scammers illegally charging customers upfront fees, falsely promising they could remove negative information such as late payments, foreclosures and bankruptcies from consumers’ credit reports and guaranteeing consumers a credit score of 700 or above within six months or less.

While experts say there is nothing a credit repair company can do for you that you can’t do for yourself, many consumers still turn to professionals. Prices on allegedly legitimate firms run $59 to $89 a month, according to some reports, and some charge an initiation fee.

We’ve partnered with Debt.com, accessible through our Solutions Center, to match you with reputable, trustworthy experts who can help guide you through the process of repairing your credit.

Meantime, follow these four don’ts and five do’s of credit repair.

Don’ts

These gimmicks, experts say, indicate you may be dealing with a scammer:

 

  • New number trick: Some credit repair agencies advise you to start a new credit file by getting a new tax ID number – CPN, credit profile number, or EIN, an IRS-issued Employer Identification Number – to use in lieu of your Social Security number. The new number may resemble a Social Security number. This trick is illegal. The FTC warns that scammers may be selling stolen Social Security numbers, often taken from children. By using a stolen number as your own, the con artists involve you in identity theft.
  • Lying trick: Scammers may tell you to give false information on your applications. The FTC reminds consumers it’s a federal crime to lie on a credit or loan application, misrepresent your Social Security number, or obtain an EIN from the IRS …read moreRead more here: 5 Do’s and 4 Don’ts to Repair Your Credit

    Category: balance, Credit Card, credit score, scammers, taxes

 

How Sleep (or Lack of It) Can Affect Your Bottom Line

By Money Talks News...

Money never sleeps. However, you should, especially if you want to keep your fiscal health.

Just one night’s lost sleep can cost you a bundle.

“You need good self-control to make good financial decisions and plans,” says Todd Kashdan, George Mason University psychology professor and co-author of “The Upside of Your Dark Side.” “Sleep hygiene helps you get there.”

Kashdan tells MoneyTalksNews.com that high-quality sleep is linked to better mental functioning,
including self-control, a key to financial well-being.

He says self-control includes the ability to:

  • Delay gratification
  • Resist temptations
  • Conduct complex analyses
  • Alter or resist your emotions as needed in the short-term

“Each of these abilities will help you in making healthy financial decisions by considering the short-term and long-term view, by resisting the allure of immediate mood boosts and the pull to avoid anxiety-provoking situations,” he says.

Keeping control, maintaining your money

Unfortunately, you may be sabotaging your own sleep, warns Joel Anderson, instructor and lead researcher for a Utrecht University, Netherlands, study of bedtime procrastination.

Anderson says it is important to avoid bedtime procrastination. Bedtime procrastinators delay going to bed even though they expect their sleep-deprived selves to be worse off and don’t have a compelling reason for delaying rest, he says.

“A significant portion of sleep insufficiency is caused not by medical conditions like insomnia or sleep apnea, but by poor choice – everything from binge Netflix viewing to late-night knitting,” Anderson says.
Such procrastination can spark a “vicious downward spiral,” he says.

“Since resisting the tendency to procrastinate requires precisely the willpower resources that are undermined by not getting enough sleep, bedtime procrastination is likely to lead to even worse sleep deprivation, none of which is good for your decision-making, including financial decision-making,” he says.

A 2011 Duke University study revealed sleep deprivation not only impairs our ability to make decisions, but also leads us to be optimistic about financial decisions. Using a functional MRI on 29 participants who had to make gambling decisions, scientists showed that a night of lost sleep led to increased activity in brain regions that assess positive outcomes while decreasing activation in brain areas that process negative outcomes.

How much sleep do you need?

Last year, the nonprofit National Sleep Foundation revised its recommendations on how much sleep you should get.

An 18-member panel of experts spent nine months reviewing 10 years’ worth of research and voted on the appropriate amount of sleep for each age group. They focused on outcomes for memory, mood, performance and health conditions such as stroke and obesity while factoring in overall health and cognitive, physical and emotional health.

NSF recommended amounts of nightly sleep vary by age:

  • Newborns (0-3 months): 14-17 hours (previously: 12-18 hours)
  • Infants (4-11 months): 12-15 hours (previously: 14-15 hours)
  • Toddlers (1-2 years): 11-14 hours (previously: 12-14 hours)
  • Preschoolers (3-5 years): 10-13 hours (previously: 11-13 hours)
  • School-age children (6-13 years): 9-11 hours (previously: 10-11 hours)
  • Teens (14-17 years): 8-10 hours (previously: 8½-9½ hours)
  • Young adults (18-25 years): 7-9 hours (new category)
  • Adults (26-64 years): 7-9 hours (no change)
  • Older adults (65+ years): 7-8 hours (new category)

5 sleep …read more

Read more here: How Sleep (or Lack of It) Can Affect Your Bottom Line

Category: bottom line, economy, fiscal health, sleep deprivation

Surveys Show How Debt Weighs on Romance

By Money Talks News.

Money remains a leading cause of stress in romantic relationships, according to surveys released ahead of Valentine’s Day.

But that doesn’t mean you should avoid discussing finances, they say.

In a Country Financial Security Index Survey called “‘Til Debt Due Us Part,” more than 9 in 10 of the 1,000 respondents told the insurance company it is important to discuss finances with their significant others.

About 7 in 10 surveyed said they prefer to start conversations about personal finances within the first few months of a relationship or sooner. Joe Buhrmann, manager of financial security at Country Financial, says in a press release:

If you haven’t discussed money with your valentine, consider starting the conversation sooner rather than later. Talking about finances as your relationship is budding can help quell financial quarrels down the road.

Millennials in the survey were more accepting of a significant other’s debt level. Nearly 2 in 3 said they would rather date a college graduate with significant student loan debt than someone who doesn’t hold a college degree.

Also, 2 in 3 millennials were concerned with their love interest’s debt, compared to nearly 8 in 10 of the general population. Almost 9 in 10 Americans over age 65 believe a significant other’s debt should cause concern for someone who is single and dating.

While money management isn’t the greatest first-date topic, financial compatibility is a key ingredient in building a lasting romantic relationship, says a GoBankingRates.com survey about financial deal breakers.

More than 5,000 people responded to the question, “Which of the following are the most significant financial deal breakers for you in a relationship?”

Their answer choices:

  • Overspending: 37.6 percent
  • Secretive about finances: 35.9 percent
  • Too much debt: 32.6 percent
  • Too cheap: 19.8 percent
  • Poor credit: 18.2 percent
  • Doesn’t make enough money: 13.9 percent

“The biggest three financial deal breakers are about equally important to Americans – spending habits, debt and financial honesty,” says Elyssa Kirkham, the lead GOBankingRates reporter about the study. “These are things that the partner has direct control over and can readily change, but if left unaddressed, can cause some of the biggest issues in a relationship.”

If you need to get your spouse on board with a savings plan, see our tips here.

How does money affect your relationship? Sound off in our Forums. It’s the place where you can speak your mind, explore topics in-depth, and post questions and get answers.

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Read more here: Surveys Show How Debt Weighs on Romance

Category: communication, debt, personal finance, relationships

7 Points to Ponder Before You Pay Hundreds for a New iPhone

By Money Talks News...

Could it really be time for a new iPhone?

Just a year after it revealed the iPhone 6 and 6 Plus, Apple is expected to unveil its latest incarnation Wednesday: the iPhone 6S and 6S Plus, along with a slew of new products including Apple TV upgrades, tech industry analysts say.

The hype around Apple products is enough to exert a pull like few other brands. In the nine months ending June 2015, Apple reported in its most recent quarterly earnings statement, it sold 183 million iPhones.

Maybe you bought one; maybe you clung to an older model and you’re ready for a big change; or maybe you’re an Android or Windows phone fan. But before you are sucked into the Apple vortex, stop and think.

Deciding whether to plunk down hundreds of dollars for the latest iPhone starts with what is important to you, says Money Talks News tech expert Dan Schointuch.

“Unless they’ve already identified some specific feature that they know they want, or their current 6 or 6 Plus is broken and not covered under warranty, then most people will probably be just as happy with the 6 as they would be with the 6S,” he said. The change from an iPhone 5 or 5S would be more substantial.

Still, if there is a feature that appeals to you, “it may be worth buying on that basis,” Schointuch said. For him, that feature is the camera, one of seven points to consider about whether the new iPhone will be right for you.

1. How important is the camera to you? As earlier reported by Money Talks News, the new iPhone is expected to feature a 12-megapixel rear-facing camera, which allows users to take higher-resolution photos than the 6’s 8-megapixel camera.

It’s also expected to have enhanced 4K video, about four times higher resolution than the 1080p in current phones.

For MTN’s Schointuch, the camera specs are important.

“I tend to upgrade my phone each year for the camera improvements,” he said. “My feeling is that 10 years from now, when I can’t even remember what made the 6S different from the 6, I’ll still have all of the pictures I took with my phones, and I’d like those pictures to be as good as was possible at the time.”

Also, big for selfie shooters, the front-facing camera will go to 5 megapixels and a flash, up from 1.2 megapixels and no flash, tech-watcher 9to5mac.com said. Software modes will allow for slow-motion video capture and panoramas, it said.

2. How much speed and battery life do you need? Apple’s A9 chip coming inside the 6S and 6S Plus will pack thousands more transistors than the A8 chip in the 6 and 6 Plus. That means, says 9to5Mac, greater performance and more energy efficiency in a chip about the same size as the A8. It also will come with 2 GB RAM, instead …read more

Read more here: 7 Points to Ponder Before You Pay Hundreds for a New iPhone

Category: apple, cellphone, computers, consumer electronics, consumer goods, iphone, mobile technology, products, smartphone

Panera Bread Puts Artificial Ingredients on ‘No No List’

By Money Talks News:

Panera Bread (PNRA) is saying “no, no” to 150 artificial ingredients in hopes you’ll say “yes, yes” to its “clean” menu offerings.

The trendy bakery-cafe fast-casual restaurant chain, headquartered in a St. Louis suburb, is the latest food company responding to customers demanding fresh, natural and minimally processed foods, as shown in a Nielsen survey.

Panera is sharing its “No No List” of ingredients that will be removed from or never appear in its menu items.

 

The ‘No No List’ is the latest step on our journey to clean food and a transparent menu.


“Last year we unveiled our Food Policy to hold ourselves accountable to long-held values and set the future vision for our menu,” founder and CEO Ron Shaich said in a prepared statement announcing the ingredient ban. “The ‘No No List’ is the latest step on our journey to clean food and a transparent menu.”

The artificial additives on the list will be removed from bakery items, soups, salads and sandwiches.

On May 6, Panera launched what it called “clean” salad dressings, made without artificial sweeteners, colors, flavors and preservatives. Panera salads, including the Strawberry Poppyseed & Chicken Salad and Kale Caesar, are made entirely without these artificial additives, the company said.

“Dressings have been one of the most complex projects given the number of artificial additives — namely flavors and preservatives — conventionally used for taste and consistency,” said Dan Kish, Panera Bread’s head chef.

Kish told NPR he and his team pored over hundreds of additives and asked two questions: What is this? And why is it used?

For example, when he learned titanium dioxide was added to mozzarella cheese just to create an ultra-white appearance, he said, “Let’s just take it out.”

Other companies recently claiming they want to make their foods with more simple, easy-to-understand ingredients include Nestle, Hershey (HSY) and Kraft (KRFT), which will make its macaroni and cheese without its artificial orange hue. Some companies, including candy makers, are removing artificial colors and flavorings. Others, such as McDonald’s, say they are working to remove antibiotics from meat and poultry in their food chains.

In April, Chipotle announced that it had eliminated all genetically modified ingredients from the foods sold in its national restaurant chain, saying that GMOs require more research before their impact can be understood.

Panera officials and others acknowledge the removal of artificial ingredients alone won’t necessarily make their dishes any healthier.

“We are not scientists,” Shaich said.

Still the move won praise from some watchdogs groups.

“With this bold commitment, Panera is showing impressive leadership in the restaurant industry to give consumers what they increasingly demand: food with fewer artificial ingredients and additives,” said Ken Cook, Environmental Working Group president and co-founder.
Do you choose your restaurant outings with their ingredients in mind? Share with us in comments below or on our Facebook …read more

Read more here: Panera Bread Puts Artificial Ingredients on ‘No No List’

Category: casual dining, consumer issues, fast food, food and drink, food safety, gmo, mcdonalds, panera bread, restaurants

15 Ways to Insure Your Donated Dollars Make a Difference

By Money Talks News:…

Charitable giving topped $335 billion in 2013, the fourth straight year of gains, according to the latest research from Giving USA Foundation and its research partner, the Indiana University Lilly Family School of Philanthropy. The largest source of charitable giving came from individuals, $241 billion from more than nine out of every 10 households. The average household donation was $2,974.As the economy has improved, more of us are giving to charity. That’s great, because there are groups that need support for their work on a wide array of good causes: disease prevention and research, care for military veterans, disaster relief, environmental protection and hunger alleviation, just to name a few.

What makes giving gratifying is knowing that our donation has made a difference, which can be a challenge.

1. Look to Guidestar for Facts

When deciding which of the 1.8 million charities recognized by the Internal Revenue Serivce or the thousands more faith-based groups will get your money, many donors start their homework with Guidestar, which provides free access to IRS Forms 990, annual reports, and listings of executives and board members. (Registration required, premium services available.)

A Form 990 for Oxfam America, for example, shows the group received $66.6 million in donations in 2013. The group says it has helped 20.7 million people globally to end poverty and fight injustice through disaster relief and advocacy programs. In 2013, 79 percent of our expenditures went directly to program support. At least 90 percent of funds designated by individual donors for humanitarian emergencies directly support our responses for those emergencies.

2. CharityWatch Rates Nonprofits

CharityWatch, unlike Guidestar, interprets the information available on nonprofits and uses it to grade them, A through F, for potential donors. The group says it reviews IRS filings and audited financial statements to rank 599 charities. More than 200 nonprofits on its top-rated list, it says, generally spend 75 percent or more of their budgets on programs, spend $25 or less to raise $100 in public support, and do not hold excessive assets in reserve. The watchdog group also looks at governance benchmarks and “open-book” status for disclosure of basic financial information.

Earning an A rating from CharityWatch, for example, is Doctors Without Borders, which sends more than 30,000 doctors, nurses and other qualified professionals to provide medical humanitarian emergency aid to people affected by armed conflict, epidemics, malnutrition, natural disasters and exclusion from health care. The group spends 87 percent of its budget on programs and only $12 to raise $100, CharityWatch says.

3. Charity Navigator Issues Stars

Charity Navigator says it rates more than 8,000 groups based on two broad performance areas: financial health, and accountability and transparency. Each charity receives zero (lowest score) to four stars (best-scoring performers). The group breaks down 10 broadly defined charitable activities: animals; arts, culture and humanities; community development; education; environment; health; human and civil rights; international; research and public policy; and religion. Each category has more narrowly defined …read more

Read more here: 15 Ways to Insure Your Donated Dollars Make a Difference

Category: best, charitable donations, charitable giving, charities, charity, donation, donations, evaluate, financial literacy, gifts, giving, giving back, goodwill, guidestar, rank, salvation army

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