Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction

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Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction
   Daily Fintech, the analysis driven online publication, is announcing a team of global fintech leaders who will serve as on-going advisors on our editorial direction. The team is called the Deans List to reflect Daily Fintech’s focus on producing high-quality, insightful and independent fintech analysis that one associates with higher learning. The initial list […] The post Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction appeared first on Daily Fintech. [...]
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9 of the Hottest Products on Amazon Today

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9 of the Hottest Products on Amazon Today
Whether you’re an impulse shopper or just like to be on top of the latest trends, you need to check out Amazon’s “Movers & Shakers” lists. These are the hottest items on Amazon right now, based on how much their sales rank has jumped compared with 24 hours earlier. According to Amazon: “For example, if a music item has a current sales rank of 10, but was ranked 30... [...]
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500 Credit Score: Good or Bad?

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500 Credit Score: Good or Bad?
A 500 credit score is considered bad credit. Your credit score determines whether you qualify for financial products, like credit cards and car loans, and what interest rate you might pay. In 2019, 4% of Americans had a score lower than 500, according to credit scoring company FICO. Here’s how a 500 credit score can affect your... Amrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. The article 500 Credit Score: Good or Bad? originally appeared on NerdWallet. [...]
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‘Growth’ valuations for startups- losing its allure?

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‘Growth’ valuations for startups- losing its allure?
Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners. He also serves the insurance and Fintech world as the ‘Insurance Elephant’.  There has built during the past few years an InsurTech chase to ‘unicorn’ status  not uniformly based on NPV, but on growth. Fellow Daily Fintech columnist, Ilias Louis […] The post ‘Growth’ valuations for startups- losing its allure? appeared first on Daily Fintech. [...]
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Prefer the Night Shift? Check Out the 21 Best Jobs for Night Owls

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Prefer the Night Shift? Check Out the 21 Best Jobs for Night Owls
If you’re a night person, it can be truly tough to get up at six in the morning to report to work. So what can you do if you only fully wake up and come alive after you get home from your daytime job?  Trade it in for a new one!  21 of the Best Night Shift Jobs Here are 21 of the best night shift jobs for you night owls out there.  1. Freelance Writer While freelance writing is technically a business rather than a job, it’s an obvious one to include on this list, because you can write whenever your mind functions best. And yes, I’m writing this in the evening (just to make a point, as I’m actually more of a morning person).  How much you’ll make depends on your ability to find good clients and how efficient you are. Although I’m usually paid by the article, I aim for at least $20 per hour.   2. Air Traffic Controller This is one of the most highly paid jobs with night shifts. The median annual wage for air traffic controllers is $124,540, according to the Bureau of Labor Statistics. You don’t even need a college degree to get these jobs, according to the Federal Aviation Administration website, although you will have to go to the FAA Academy. Unfortunately, night shifts sometimes alternate with day shifts, leaving some controllers feeling groggy, according to a 2014 PBS NewsHour article. 3. Casino Dealer When I was a blackjack dealer, I usually opted to leave early (when the traffic slowed), but many casino dealers love working after midnight. It’s quieter, and customers are more relaxed.  At most casinos, tips are pooled and added to paychecks as an hourly rate, so you don’t lose anything by working the slow late shifts. Friends who still work for my former employer say they average more than $20 per hour with tips. 4. Bartender Bartending is another job you can do well without a college degree, as long as you work in the right place and are assigned to the right shifts. Fortunately for night owls, evening shifts produce the best tips. Weekends are usually better than weekdays, so bartending can be a great part-time second job if you already work during the week. 5. Security Guard When I was a security guard, I liked working in the evenings. It was cooler (I worked in Florida), and I was allowed to spend time reading, writing and cruising the Internet.  Night security positions are often relaxing, and some allow free time for various activities that don’t interfere with the work. The downside is the pay. The BLS reports that the median annual wage for security guards is just $28,490. However, they do note that 10% of security guards make over $49,000, so watch for those better-paying gigs, or work your way up to them. 6. Firefighter  The mean annual wage for firefighters is $49,620, and a full 25% top $67,100 per year.  Perhaps the best positions are in towns where you work long shifts, staying at the station until there is a situation. Friends in these positions tell me you’re generally allowed to read, write or watch television during those long, slow nights. 7. Babysitter In recent years, babysitting has become more lucrative for adults. Since you’re an independent contractor, you can decide which hours you want to work. In other words, you can take only jobs that start in the evening, or even offer overnight babysitting for other night owls who work the late shifts at their jobs.  8. Mail Sorter It isn’t easy to get career positions at the post office, but they often hire for what they call casual positions, which are normally temporary jobs.  For example, I sorted mail seasonally for two years, working September through December each year. The work wasn’t difficult, didn’t require any previous experience, and paid about $13 per hour. The shift started at 11 p.m. and finished when the mail was sorted, which was usually between 5 a.m. and 7 a.m.  These positions provide no benefits and, in my case, involved only 30 hours weekly. This isn’t a career, but a nice way to make some extra cash working at night. 9. Pizza Delivery Driver I made decent money delivering pizzas when I was younger. A friend tells me he makes about $14 per hour as a pizza delivery driver. It is all about the tips, because most places pay minimum wage, and some may pay only the tipped-employee minimum wage, which is just $2.13 per hour.  Still, being a pizza delivery driver can provide a nice side income, especially if you work only when tips are best, which is at night on the weekend. It also helps if your employer provides a vehicle or pays extra for your car expenses. I’ve worked for employers using both arrangements, and I profited from the latter by driving a cheap car that got good gas mileage. FROM THE MAKE MONEY FORUM Working while on SSDI 7/22/19 @ 1:21 PM B Passive Income 8/9/19 @ 1:07 PM How Can Someone Living in the Heart of Africa Make Money Online? 8/20/19 @ 1:23 PM Private tutor 8/20/19 @ 1:27 PM See more in Make Money or ask a money question Other Jobs for Night Owls  There are many positions that offer both day and night shifts, allowing you to apply only for the latter. Here are some examples: Baker Nurse Disc jockey Limo driver Merchandise stocker Night school teacher Hotel desk clerk Highway toll booth attendant Liquor store clerk Gas station attendant Movie projectionist Customer service representative Finally, many online jobs and contract work can be done at night. For example, as a search engine evaluator I often put in late hours. Other online work you can do at any time includes website testing, translating documents, proofreading and freelance editing. Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. Of the more than 100 ways he has personally made money, writing is his favorite (so far). This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Thousands of Jobs For the 2020 Census Are Now Open. Here’s How to Apply

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Thousands of Jobs For the 2020 Census Are Now Open. Here’s How to Apply
The 2020 census requires a massive, temporary workforce to get every American counted. A job that once involved clipboards and file boxes now utilizes mapping software and smartphones. All together, the census will employ more than 500,000 temporary and part-time workers. Hiring has already begun. And get this: pay ranges from $13 to $30 an hour. Pay rates vary by position and location, but you can find the ranges for your state and county via this electronic form on the census site. If you speak a second language, you’re even more in demand. The census is looking for bilingual workers and those who live in neighborhoods with large immigrant populations so that “our census takers look like the neighborhood we’re counting,” Jeff Behler, regional director of the Census Bureau’s New York Regional Office, said in a story on Census.gov. If this sounds like the gig for you, fill out the online application.  To be eligible for the jobs, which include census takers, office staff and recruiting assistants, you must meet the following qualifications: Be a U.S. citizen who’s at least 18 years old. Have a valid Social Security number and email address. Pass a criminal background check, including fingerprinting. Have the flexibility to work days, evening and weekends. If you’re a male born after Dec. 31, 1959, you must be registered with the Selective Service System or have a qualifying exemption. Be able to count to 329,402,583. Just kidding — that’s a little census humor for you. Tiffany Wendeln Connors is a staff writer at The Penny Hoarder who covers interesting careers and job benefits. Senior editor Molly Moorhead contributed reporting. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Here’s What to Do When You Hate Having a Full-Time Job

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Here’s What to Do When You Hate Having a Full-Time Job
Confession time: I’ve spent my life quitting jobs and avoiding full-time employment. In fact, since my first job 35 years ago, I’ve never been employed full-time for more than a few weeks. I’ve enjoyed many jobs for short periods of time, but I actually hate traditional employment. You might secretly feel the same. You might say “I hate my job” whenever you have to go to work. You may suspect you’ll hate any future replacements. But you still have to pay bills, so what can you do? What Should You Do If You Hate Your Job? Assuming you want to avoid living in poverty as a strategy (although it worked for me for a while), here are some other options for what to do when you hate your job. Reduce Your Fixed Expenses If you live on less, you can cut your hours or replace your full-time job with a part-time one. Alternately, you could save enough money to allow you to simply quit jobs more often — either for a break or to look for better ones. Stop spending money on gadgets, meals out and other discretionary expenses. But cutting back in these areas might not make a big enough dent in your budget, since you have to pay rent, car payments and other big expenses regularly. So first, look for ways to reduce large fixed expenses. Develop New Income Sources If your ultimate goal is to never need a job again, you have to develop other sources of income. Here are some basic categories of non-employment income: Freelancing Start your own business Investing Money projects Try to diversify how you make money. For example, my dozen income sources one year included freelance writing, income from websites, hard money loan interest and more than $3,000 from credit card and bank sign-up bonuses. Room rentals paid off my first mortgage, so I cut back to one or two weekly work days, living largely off rental income. Your ultimate goal is to develop enough income to completely replace your paycheck. But if you cut expenses and generate even some non-employment income, you can work less or change how you use your jobs to make them more tolerable. Work Only Part-Time Jobs Once you develop enough extra income, you’ll have the freedom to work only two or three days per week. If it’s not possible with your current employer, find a different part-time job. Or just quit and take a break, which leads to your next option. Make All Jobs Temporary I’ve never considered a job as more than a temporary assignment — a way to make enough money to quit and take some time off before the next assignment. This approach makes jobs much more tolerable. To be safe, wait until you have enough money coming in from other income sources, so the paycheck from any job will cover the rest of your living expenses. You can also sign up at a temporary job agency. Some offer “day labor” positions that are low-pay, but you can take them as needed. Others offer placement in potentially permanent positions, but you can always quit when you’ve had enough. FROM THE MAKE MONEY FORUM Sell photos 6/24/19 @ 7:40 PM Earning Money 6/24/19 @ 5:18 PM A Make Money Asking Questions On Quora 4/26/19 @ 4:28 AM Employment in the trades 6/20/19 @ 3:41 PM See more in Make Money or ask a money question Live Well on Less If you learn and use strategies to live like you’re rich on a small budget, you have many of the above options available — even if you only develop a little non-job income. Or… Get Rich Quick and Quit Forever If you commit yourself to getting rich early in life — and succeed — you can quit work. Just invest your money and live on the returns. If that appeals to you, look over some real-life examples of the fastest ways to make $1 million, or check out this story of a couple who retired in their 30s to live off their investments. Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. He’s been a repo man, walking stick carver, search engine evaluator, house flipper, tram driver, process server, mock juror and roulette croupier, but of more than 100 ways he has made money, writing is his favorite (so far). This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Save Hundreds on Your Wedding By Shopping Secondhand

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Save Hundreds on Your Wedding By Shopping Secondhand
Looking for clever ways to save money on your wedding? Think “something used.” Used gown, vintage jewelry, repurposed centerpieces. Selecting used items and opting out of retail prices wherever possible can help you save big on your big day. When Candi Block got married in June 2016, she bought a previously owned wedding dress, jewelry and some of her decor from the online marketplace OfferUp. “I personally love shopping secondhand,” Block said. “I love taking secondhand items and either repurposing them or doing something creative to make it a bit my style. So when it came to our wedding, that just seemed like a really natural fit for me. “It was a big bonus that it was also a great way to save money.” While The Knot reports that the average bride spent over $1,500 on her gown in 2016, Block snagged her dress for $200. She spent about $100 on pre-owned LED candles, which served as her decor. The secondhand statement necklace Block donned for her rehearsal dinner only cost 18 bucks. While Block said OfferUp is her go-to platform for secondhand goodies, it certainly isn’t the only one. When Marian Schembari got married in October 2014, she wore a dress she bought off OnceWed for $500. She had originally spotted it new at a bridal boutique for $1,300. Instead of paying retail, she set a Google alert for the brand and name of the dress and eventually got a ping for the exact gown — only worn once — in her size. Other websites where you can find used wedding gear include Nearly Newlywed, Stillwhite, Craigslist, eBay, Facebook Marketplace, Tradesy and Letgo. Offline, couples can shop at thrift stores, consignment shops, Goodwill, flea markets and antique shows for discounted treasures. When Laura Grace Tarpley got married in October 2016, she purchased multiple mason jars, vases, picture frames, candlesticks, linens and chalkboard signs for her decor — plus a flower girl basket — for a total of $120 at Goodwill. Garage sales and the classified section in your local newspaper may also turn up some cheap finds. Tarpley’s father-in-law snagged the arch she and her husband married under at a garage sale for $45. A comparable arch new would have cost over $130 online. FROM THE SAVE MONEY FORUM SAVING MONEY ON A FIXED INCOME 6/7/19 @ 9:31 AM Save my money! 6/13/19 @ 9:38 AM D Always buy used when possible 6/12/19 @ 1:48 PM Over Couponing 4/15/19 @ 12:43 PM B See more in Save Money or ask a money question Tips for Buying Wedding Items Secondhand Block, the bride who used OfferUp, is also a wedding planner and founder of Block Weddings and Events. She advises couples to buy used if they want to save money, incorporate DIY projects or reduce their ecological footprint. “You don’t need a brand new item for it to be special on your wedding day,” Block said. Here are a few tips she has for buying used wedding goods: Get creative. You can repurpose or personalize gently used items to make them unique to you. Add a jeweled belt to embellish a used wedding dress, or use old Mason jars as vases for table centerpieces. Search in different categories. Some items that’ll work for your big day might not be advertised as wedding specific. Do a little digging and search through other categories — like home decor or antiques — where you might find vases, dishware, mirrors, picture frames and more. Look for sellers whose wedding style is similar to yours. Often times, people post a bundle of their decorations. If their aesthetic mirrors yours, you’ll be able to purchase a lot of items at one time for an affordable price. Take your time. If you have a long engagement, space out your search and collect the things you need at a comfortable pace. Search marketplaces as wedding season is wrapping up. On OfferUp, you can set an alert to get notifications when new items that match your search terms are posted. Making Money With Your Haul After the Wedding While secondhand markets can help couples save money for their weddings, they’re also great platforms to cash in after the big day. After Sandy Yong got married in 2018, she was able to make a few hundred dollars selling her wedding veil, wedding shawl, faux flower bouquet and other items on sites like Facebook Marketplace, Letgo and Kijiji, a Canadian online classified ad service. Block and her husband revisited OfferUp to resell the dozens of LED candles they had bought. They also sold other elements of their decor to break even on their purchases. The one exception? Block’s husband put his woodworking skills to use and made a custom bench seat out of two wooden chairs they found at a thrift store for about $5. The couple was able to turn a profit with that. It sold for $150. Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants

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Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants
Sometimes the most lucrative sign-up bonuses aren’t available online. We spotted this sign-up bonus for the Southwest Rapid Rewards® Priority Credit Card in the wild world of in-flight reading materials. • Offer: Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open. • Seen: June 15, 2019,... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants originally appeared on NerdWallet. [...]
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Mickey Mouse Clubhouse Projectables LED Plug-In Night Light

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Mickey Mouse Clubhouse Projectables LED Plug-In Night Light
Night lights are so much fun for kids, and this one looks really awesome! You can get the Mickey Mouse Clubhouse Projectables LED Plug-In Night Light for only $8.47. You will be saving 47% on this purchase because it is normally 14.99. This night light provides a soft red glow while projecting a Mickey Mouse ... Read More about Mickey Mouse Clubhouse Projectables LED Plug-In Night Light The post Mickey Mouse Clubhouse Projectables LED Plug-In Night Light appeared first on Penny Pinchin' Mom. [...]
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