Online Data Entry Job With The Good Salary To Build The Future

Data entry jobs are among the foremost profitable jobs in today’s IT world. There are thousands of employers seeking for knowledge entry clerks of various proficiencies and specialties. You will be able to notice legion knowledge entry jobs denote on web at varying websites. Most of those jobs are denoted at freelance websites as a result of new and novice folks are forever able to do these jobs. If you’re conjointly on a contract web site sorting out an information entry job, you must begin with a coffee bid in order that the leader will promptly rent you for the task. Moreover, once your work is approved and appreciated, you’ll be able to get really long run comes solely from one shopper. And, if you’ve got quite one shopper, you’ll be able to forward the work of different purchasers to different reliable knowledge entry clerks thus gap up your own tiny home primarily based business. However, this can take the items to a small degree bit totally different and you may get to be one thing passed through than simply a freelancer.

 Have several faux and scam knowledge

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 Responsibility for the data entry job

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 Attend the interviews:

Clearly you may not be receiving the other massive orders. And, just in case of knowledge entry jobs, the work is either true or false. There is nothing of less quality. That is why a bigger responsibility, concentration and determination are needed to present to figure. Try and proceed with higher bids for acknowledging purchasers and bit by bit builds a market name. It’s fully up to you to make your business stand in your on-line community. Your reviews and comments and ratings are representing your services and ability level. Therefore take care, be learned and be determined. With the help of the online source you can work through the online from your home itself, therefore, most of the house wife wishes to work based on the needs so it will be easy to make more money on the same day.

 Online job alerts:

Over the online job site offer wider opportunities for the job seeker so it will be more comfortable to get the right job. In case of any trouble, you can get right solution based on your various worries. Therefore, you have to register with mobile number or email id and get the more than 10 to 15 jobs every day so it will be more comfortable for the student to find the right job to improve the right solution. Then you can attend the interview and get the right job in a short time without meeting any trouble with it. If you satisfied with the salary, you can go ahead with the job else find some other jobs.

Chromecast Gets New Autoplay, Gaming, Second Screen Features, and More


Google’s Chromecast is a pretty cool gadget and at Google I/O 2015, it was revealed that over 17 million Chromecasts have been sold so far. The little dongle also got a set of new APIs that could make it even better – the Chromecast now supports more second screen functionality, as well as autoplay, queuing, and multiplayer game features.

For example, if you’re streaming any content to your Chromecast, once that video ends, it will be able to launch the next video without any break. The second video can be buffered while the first one is playing, but the user can also edit the queue, re-ordering and removing items if they choose. Of course, the content provider has to support this as well, and reportedly NBA Game Time and Red Bull TV have already implemented the API.

The Chromecast gained support for multiplayer games last year, and Google’s new Game Manager API will make it easier to create multiplayer experiences.

Perhaps most interestingly, Google has also come up with Remote Display APIs, for second screen experiences. This could be useful for games, where you could put part of the interface on to the mobile device, while the game itself is on your TV. Or, if you’re watching a video stream, you could get additional information about it on your phone or tablet. According to a report, Autodesk Pixlr already does this with an early version of the API, showing the image on the screen, and the editing tools like sliders on your mobile screen.

There are a lot of ways in which different apps and games could use this feature, that could make the Chromecast a lot more useful than it already is.

Google Maps to Get New Offline Search, Turn-by-Turn Navigation Features


Google, besides announcing a slew of OS updates and features alongside Android Mat the Google I/O 2015 keynote event, also said it would soon be bringing offline search to its Google Maps app. The app will also feature complete voice-based turn-by-turn navigation while in offline mode. Both features will be made available sometime later this year.

The new offline features announced for Google Maps are aimed mainly for “emerging markets” where mobile Internet coverage is spotty, and data charges expensive, as navigation via GPS is independent of mobile networks. In the past, Google had introduced offline rerouting during navigation, which would reroute users even if they lose their Internet connection while navigating. Now, the entire process of navigation can be done when offline. The offline features are also useful for those users who are travelling to less-connected spots. The features will also come handy for those who are searching for directions when travelling in underground metros or via flight.

The offline search feature would enable users to search for places and points of interest, with results including autocomplete suggestions as well as reviews, contact numbers, opening hours and other information. The Google I/O 2015 keynote event saw the feature being demoed on a handset on Airplane mode and it seemed to work seamlessly.

Google launched its offline maps feature in 2012. The feature at that time allowed users to avail offline functionality in over 150 countries and save up to six large metro areas. The search giant last week rolled out native Maps app for Android Wear devices, alongside translucent status bar and other features.

Finally, Google at I/O 2015 also announced updates for its Google Places API for iOS, bringing it on par with Android with such new features as adding a place picker, current device location, detailed place information, search autocomplete, the ability to add places to Google’s Places database, and more.

Wall Street This Week: TiVo Turns, Luxury Brands Reveal

Tiffany & Co in Downtown Manhattan, New York City

From a few high-end brands providing a snapshot of how the upper crust lives to the DVR pioneer checking in with quarterly results, here are some of the things that will help shape the week that lies ahead on Wall Street.

Monday — Travel to China

The market is closed Monday in observance of Memorial Day. This doesn’t mean that the rest of the international markets will also be taking a breather. In fact, folks hungry for market news on an otherwise slow news day can turn their attention to China, where Tuniu (TOUR) reports quarterly results.

Tuniu is a leading online leisure travel company. The stock has more than doubled since going public at $9 a year ago.

Tuesday — Searching for DVR Relevance

TiVo (TIVO) is one of the handful of companies reporting financial results when the stateside markets resume trading on Tuesday. The DVR pioneer’s breakthrough product may not seem as important these days. We live in an era of on-demand and streaming, making it less necessary to record one’s favorite shows. However, TiVo has been able to cash in on its patent-rich portfolio, striking licensing deals worldwide with cable providers that want to offer DVR-like services.

Wednesday — In the Lap of Luxury

A few high-end names will be reporting quarterly results Wednesday. Handbag maker Michael Kors (KORS), upscale jeweler Tiffany’s (TIF) and luxury homebuilder Toll Brothers (TOL) will all be updating the market on their latest results.

Don’t assume that all of the luxury names will be moving in lockstep. Analysts see year-over-year growth at Kors, declines at Tiffany’s, and flat results at Toll.

Thursday — Developers, Developers, Developers

This will be a busy week for Google (GOOG)(GOOGL). On Tuesday it welcomes a new CFO — Morgan Stanley’s Ruth Porat — but the real newsworthy moments will come later in the week when it welcomes developers to Google I/O on Thursday and Friday in San Francisco.

The annual conference for developers is a treasure trove of Android news. Android has become the global leader in mobile operating systems, fueled largely by Google’s decision to make it freely available as open-source.

Friday — At the Movies

The abridged trading week closes out quietly, but the same can’t be said at the local multiplex, where new movies will be premiering. “San Andreas” and “Aloha” are the two big movies opening Friday, joining an already busy slate of potential summer blockbusters. Movie theaters have struggled to grow attendance, but some pretty heavy hitters are coming out this summer.

Why Millennials Are Shunning Traditional Financial Tools

Woman working out finances

More than one-third of 18- to 29-year-olds have never had a credit card, according to a survey of 1,000 adults released last month by Thanks to the 2009 Card Act, which put strict limits on how credit cards are marketed and issued to young people, as well as the Great Recession, which seems to have made young adults more hesitant to take on debt, credit cards are no longer a wallet staple.

“For college students, it’s a whole lot harder to get a credit card than it used to be,” says Matt Schulz, senior industry analyst for and U.S. News Money blogger. When he was in college 25 years ago, he recalls credit card offers all over campus. “There were tables offering Frisbees and T-shirts for signing up, and that just isn’t happening anymore because of the Credit Card Act,” he says. Now, he adds, college students stick with debit or prepaid cards instead.

Millennials are skeptical toward the financial industry. They lived through the Great Recession and are distrustful of Wall Street, but at the same time, they are engaged in their finances and want to manage their money.

Those shifting credit card habits are just the beginning of what makes millennials different when it comes to money. Financial experts who work with millennials also say they’re looking for a different type of relationships with financial advisers, including more virtual communication via Skype calls or even social media. They also want to understand their investments and make sure they’re keeping fees to a minimum, which differs from the more hands-off approach favored by their parents’ generation.

“Millennials are skeptical toward the financial industry. They lived through the Great Recession and are distrustful of Wall Street, but at the same time, they are engaged in their finances and want to manage their money,” says Silviya Simeonova, a senior analyst at Corporate Insight, a consulting and research firm.

According to a Corporate Insight survey earlier this year of 500 financial advisers and over 1,200 investors, millennials tend to conduct more research before picking a financial adviser and prefer to make investment decisions alongside financial professionals, as opposed to handing off decision-making power to an expert. “The role of a financial adviser is not so much to take all of the responsibility away from the young investor, but to collaboratively work with those investors to help them build their financial future,” Simeonova says.

Millennials also prefer using text messaging, video conferencing, email, websites and social media to communicate with advisers about their money as opposed to sticking with in-person meetings only. By using social media tools such as Facebook and Twitter to share information, Simeonova says, millennials feel “more connected” to their advisers.

Ben Wacek, a financial planner and founding member of the XY Planning Network, an organization of fee-only advisers serving Generation X and Generation Y clients, says he has noticed that his younger clients also like usingsoftware or online tools to help them manage their money. “They’re more versed in using that type of technology,” he says. And as a millennial himself at age 30, he is, too.

Wacek also uses a public Facebook page for his firm, Wacek Financial Planning, which he uses to share interesting and useful articles and blog posts that he writes. Using social media in that way also helps him clarify his thoughts around financial planning topics, he says. “It gives me the opportunity to really present those ideas to clients or millennials at large,” he says.

Millennial clients are also eager to use relatively simple financial products that they can easily understand, Wacek says. Instead of complicated products like annuities, they tend to gravitate toward simpler tools such as a Roth IRA or term life insurance versus whole life insurance. “They just want more transparency,” he says.

Because of the Great Recession, millennials are also sometimes skittish about investing in the stock market, especially if they’ve seen their parents lose money. “We are more wary of putting money in the stock market, even though we hear it’s the right thing to do,” says Brooklyn-based millennial Pamela Capalad, ​a financial planner at Brunch & Budget, which she founded in 2013. That means advisers to young clients often have to spend time talking through the benefits and risks of investing in the market.

Here are five more strategies millennial financial advisers are using to appeal to their peers:

1. Don’t make retirement the primary goal. For millennials, retirement is still some 30 to 40 years off, so advisers shouldn’t lead with that, says Matt Becker, ​financial planner and founder of Mom and Dad Money, a financial planning practice. “Retirement is too far away to be a truly meaningful goal, so instead the focus is on creating a life that is fulfilling and enjoyable today while at the same time planning responsibly for the future,” he says. Instead of retirement, he focuses his conversations with clients around financial independence. “It’s a much more flexible goal that encourages people to think more proactively about what they want from life now,” he says.

2. Stick with virtual meetups. “I meet all of my clients virtually, usually using Google Hangouts or Skype. It allows me to work with clients all over the country and to fit our meetings within their busy schedules. We’ll meet early in the morning, late at night or even on the weekend if it fits their schedules,” Becker says. Online scheduling tools that allow clients and advisers to skip back-and-forths over their calendars are another popular approach among younger advisers.

3. Ask what they want. Financial and professional goals tend to vary widely by person, which means advisers need to first ask about millennials’ goals, as opposed to walking them through a standard checklist, says Eric Roberge, ​financial planner and founder of the firm Beyond Your Hammock. “We first focus on designing a life they love. The purpose is to visualize their goals to provide them with the motivation they need to take the appropriate actions. From there, we focus on cash-flow planning,” he says.

4. Offer transparency with fees. Millennials are wary of feeling like they are being “sold a bill of goods,” says Andrew Mohrmann, ​ financial adviser and founder of Modern Dollar Planning. “They want to understand how the professionals they work with are being compensated and understand any conflicts of interest.” That’s why fee-only models make sense, so advisers aren’t being compensated for products they are selling, he says. “Millennials are educated consumers and can spot a sales pitch from a mile away.”

5. Foster a relationship that lasts. Millennials want to see their adviser as an equal as opposed to an older, wiser person they entrust all their money to, and they want that relationship to feel authentic, says Brandon Marcott, financial planner and founder of Edify Financial Planning. “In order to really connect with the millennial generation, you are going to need to put yourself out there in a way you never had to do before … Millennials will respect you for it,” he says. “They want someone who is genuinely interested in them.”

Are You Guilty of These Investing Mistakes?


To err is human, but when it comes to investing, mistakes can be costly. A third of everyday investors had zero or negative returns in 2014, according to an analysis of the portfolios of more than a quarter million investors by investment firm SigFig. In a year that saw the Standard & Poor’s 500 index surge 13.6 percent, the median investor’s portfolio rose just 4.2 percent.

Ironically, many investors make mistakes because they’re trying to beat the market, and more importantly, because they think they can, says Harold Evensky, chairman of Evensky & Katz wealth management firm and professor of practice at Texas Tech University.

At speaking engagements or lectures, Evensky often asks his audience to raise hands if they think their children or grandchildren are better than average. Typically, everyone does. “Statistically, that can’t be,” Evensky says. “But it’s classic behavior. People don’t like the idea of being average.” It is in that pursuit of better-than-average performance that investors often fall into one or moretraps that may hurt their portfolios in the long run:

Single-Stock Concentration

Six in 10 investors have more than 10 percent of their portfolios invested in a single stock, according to an analysis by SigFig. Moreover, 15 percent of investors have more than half of their portfolios invested in just two stocks.

Many of these investors work (or worked) for a company with a generous employee stock discount program, or one that distributes bonuses in the form of company stock. Alternatively, shares the investor purchased years ago may have appreciated so much that they have thrown their overall asset allocation out of whack. The horror stories of Enron and Washington Mutual employees should provide a sufficient reminder that single-stock concentration exposes investors to excessive risk that can jeopardize their financial future.

Home Bias

Pride in one’s home country is patriotic, but letting that patriotism undermine one’s investment strategy is ill-advised. Evensky recalls assembling a portfolio for a potential client, who then banged his fist on the desk and stormed out of the office when he saw that a sizable portion would be invested in international funds. “Forget it,” the client said. “I’ll never invest a penny outside of the United States.”

The example may be extreme, but the mistake is common. For 60 percent of investors in SigFig’s analysis, international equities represented less than 10 percent of their equity portfolio. At the end 2013, U.S. investors held, on average, 27 percent of their total equity allocation in international funds, according to Vanguard (citing Morningstar data), even though non-U.S. equities accounted for 51 percent of the global stock market. While no one answer fits all, Vanguard recommends “a reasonable starting allocation to non-U.S. stocks of 20 percent, with an upper limit based on global market capitalization.”

Paying More for “Better Returns”

With 1,411 exchange-traded funds available at the end of 2014, according to the Investment Company Institute, investors have plenty of options to choose from to build a well-diversified, low-cost portfolio. How low can low-cost go? According to SigFig data, investors paid, on average, 17 basis points for ETFs, with popular ones like State Street’s SPDR S&P 500 Trust (SPY) and Vanguard’s Total Stock Market Index (VTI) charging 0.09 percent and 0.05 percent, respectively.

However, six in 10 investors represented in SigFig’s analysis own at least one fund with an expense ratio of 0.50 percent or higher. “They’re buying a good story,” Evensky explains. Investors who, in effect, pay a professional to beat the market are doing it because they don’t want to feel that they’re doing average investing. “They buy the Kool-Aid. The stories of very smart people using technology and research that’s going to beat the system,” he says.

Study after study has shown that more expensive, actively managed funds do not outperform lower-cost index funds over the long run, even during bear markets. Simply put, paying more doesn’t guarantee better returns. So why do it?

Overtrading and/or Timing the Market

More than a decade has passed since University of California – Davis professors Brad Barber and Terrance Odean published their now widely referenced study with the catchy title, “Trading is Hazardous to Your Wealth.” Its conclusion — that frequent trading is associated with lower returns — holds true today. In a recent analysis, SigFig found that each 100 percent of portfolio turnover (that is, selling all holdings in one’s portfolio and buying new ones — which one in five investors do, the data shows) corresponds to a 50 basis-point decrease in returns.

Even a conservative example shows how much of an impact those extra 50 basis points per year could have over the long term. If you save $10,000 a year for retirement and average a 6 percent annualized return, that total would grow to $816,044 after 30 years. If we reduce that annualized return by 50 basis points to 5.5 percent, you would end up with $70,000 less.

Would you give up a year’s worth of retirement living expenses (or more) in the pursuit of better-than-average returns? “We try to educate our clients upfront that we’re not always going to beat the market,” says Evensky, whose firm manages $1.5 billion. “Our goal is to be in-between, and if we can do as well [as the market] and minimize taxes and expenses, we’ve done our job right.” It’s a goal worth pursuing, whether you work with a financial advisor or manage your investments yourself.

8 Ways to Save by Going Back to Basics

Homes-Ready For Chickens

Whether it’s for political, ideological, economic or environmental reasons — or because it’s just plain fun — a growing number of people are embracing elements of old-fashioned homesteading. Of course, people have been growing their own food and raising livestock for eons. But in recent years, such practices have taken hold in cities and suburban areas, and they’ve particularly caught on with younger generations. So-called “urban homesteading” can involve anything from setting up an apartment-balcony container garden to fencing off a section of the backyard for chickens, or even simple projects like canning your own jam.

Saving money is just part of the appeal. Many people also have a strong desire to “do something physical in a world where we’re spending lot of time ‘liking’ things on Facebook and not doing something with our hands,” says Erik Knutzen, who co-authored “Making It: Radical Home Ec for a Post-Consumer World,” with his wife, Kelly Coyne. The Los Angeles couple also runs, about DIY living. Here are eight ways DIYers and aspiring homesteaders can snip their spending and embrace a back-to-basics lifestyle:

1. Feed Your Egg Habit

These days, it’s more common for city dwellers to have a chicken coop in the backyard, and many cities have allowed residents to keep egg-laying hens. “They’re very easy to raise,” says James Bertini , co-founder of Denver Urban Homesteading. He adds that chickens require less work than taking care of a dog. The big question: Do you really save money with backyard chickens? “Compared to organic eggs at the supermarket, yes, but if you’re talking cheap eggs, no. But we’re eating better-quality food,” he says. According to, the cost of hens can range from $3 to $30, depending on factors like age and breed, and feed costs approximately $15 a month for three hens. You could construct a coop for free with a little creativity and recycled materials; otherwise, you might purchase one for about $500, according to the site.

2. Be a Backyard Beekeeper

If chicken wrangling isn’t your thing, establishing a hive of honeybees might be a better fit (but check local ordinances to see if beekeeping is allowed). “The thing about bees is they take care of themselves, so it’s one of the least labor-intensive things you can do,” Knutzen says. “It can be a little intimidating at first, but once you get the hang of it, it’s not that big of a deal.” He estimates that a basic setup, including boxes and a bee suit, costs $100 to $200. One hive could potentially produce 50 pounds of honey a year, he says, although you could also think of it as a community pollination service.

3. Get Into Gardening

Now is an ideal time to plant seeds, which, with a little attention, can become a bounty of homegrown produce you’ll enjoy all summer. Don’t have a green thumb? Try a low-maintenance herb garden, which can work for small spaces and will save you every time a recipe calls for a teaspoon of thyme or a handful of basil. First-timers might also consider planting a salad garden. “Some of my favorites are lettuces and arugula, simply because they are easy to grow and also don’t taste good from the store,” Knutzen says. He adds: “When there’s a short walk from the garden to your kitchen, things like lettuce, like tomatoes, give you bang for your buck.”

4. Brew Your Own Beer and Wine

The basic supplies and ingredients will cost you, but making several gallons of beer or wine — which can be done in an afternoon — can be quite economical, says Trent Hamm , U.S. News My Money blog contributor and founder of He estimates that $35 of ingredients will make seven six-packs or porter. Your startup costs will be higher: Figure $80 for a homebrewing kit that includes a primary fermenter, bottling bucket, siphon and other accessories. “Beyond the cost savings, a big part of the pleasure of homebrewing is the ability to experiment and try new beer styles and flavors that you can’t buy in stores and to hone your favorite beer styles until they’re absolutely perfect for your taste buds,” Hamm wrote in an email.

5. Repurpose, Repurpose, Repurpose

Sure, you can buy a top-of-the-line compost bin, but you can also reuse an old garbage can or construct your own with galvanized chicken wire. Want to save on gardening containers? Convert a plastic kiddie pool or plant a lettuce garden in an old tree stump. If you need supplies for a craft or home improvement project, see if there is an organization in your community that sells reclaimed materials, suggests Melissa Massello, editor of “When people start doing DIY projects on Pinterest, you find there are so many ways to waste thousands of dollars — you can blow through your savings without anything to show for it,” she says. Before hitting up craft stores and home-improvement outlets, first check thrift stores, Craigslist’s “free” section and places like Habitat for Humanity’s ReStore, she says.

6. Embrace Homemade Cleaning Products

These are popular make-at-home items because their ingredients are simple, cheap and often only require a trip to the pantry. “Cleaning products are a no-brainer and the easiest thing in all of our writing,” Knutzen says. “It’s something even people in apartments can do — wherever you are, with the trinity of vinegar, Castile soap and baking soda, you can get rid of commercial cleaning supplies.” A bonus: These food-grade supplies are cheap and nontoxic. Massello saves citrus peels and stores them in a jar with white vinegar and a pinch of salt. Six to eight weeks later, she strains out the peels. “It makes the best home cleaner … it cuts through weeks’ worth of stovetop grease better than any infomercial product,” she says.

7. Customize Condiments

If you’ve developed a habit of splurging on high-end hot sauce, your wallet may feel the burn. Sauces, spreads and chutneys are often simple to make and require inexpensive ingredients. Plus, you can customize them to your liking. Have an overabundance of mint or basil? Blend them into pesto, and freeze the extras. “Condiments like mustards, fermented chili sauces … you can do some amazing stuff, and a lot cheaper and better,” Knutzen says.

8. Blend Your Own Personal Care Products

This is an easy introduction to the world of DIY, Massello says, and it also helps you rid the toxins from your cosmetics cabinet. She makes her own sunscreen, mosquito repellent and moisturizer, all of which share a common ingredient. “Ever since coconut oil has become a mainstream marketplace staple, we now joke that coconut oil is the new duct tape.” She adds: “It’s a little more expensive than olive oil, but not nearly as expensive as anything you’d find at a department store beauty counter.”

Other easy-to-make products include sugar and salt scrubs. For example, when grapefruit is on sale, she zests the fruit and adds a few tablespoons of the juice, a cup of melted coconut oil and an equal mix of sea salt and Epsom salt. “It makes the most amazing winter foot slougher and general exfoliant,” Massello says. Keep the mixture in the refrigerator so it lasts longer.

How to Get Health Insurance Outside Open Enrollment Period

Nurse taking patient's temperature with digital thermometer

For consumers who want health insurance but missed the open enrollment deadline under the Affordable Care Act and its extensions, your best bet is to purchase short-term health insurance to protect you against major medical debt in case of emergencies.

Unpaid medical bills are the leading cause of bankruptcy in the U.S., said Egon Smola, a senior vice president at GetInsured, a Palo Alto, California, health insurance broker. If you are between 25 and 34 years old, you have a 5 percent chance of incurring medical bills of at least $27,000 this year and a 10 percent chance of medical bills of at least $13,000, he said.

Short-term health insurance does not cover preventative care or pre-existing conditions, so it does not meet the requirements for minimum essential coverage under the act. That means you’ll pay a tax penalty.

Accident or Critical Injury Policies

Other options include accident or critical injury insurance policies, but they don’t meet your coverage requirements under the law either, said Carrie McLean, director of customer care at, an online health insurance exchange in Mountain View, California. Insurance companies can decline you or a family member for such policies based on your personal medical history.Still, they are “much cheaper than if you become gravely sick while uninsured and go into serious debt or worse, bankrupt,” said Michael Stahl, a senior vice president HealthMarkets, a North Richland Hills, Texas online health insurance exchange company.

Life-Changing Events?

Some people can sign up for insurance outside the open enrollment window. If you turn 27 and were insured through your parents, get a new job, move to a new city or get divorced, you qualify to buy insurance, because such scenarios are considered qualifying life events. The other exceptions include getting married, losing coverage from your employer if you quit, get fired or laid off.

If you get a new job and your employer offers coverage for you or your spouse, you may have the opportunity to enroll in a group health insurance plan. Most employer-sponsored health plans will meet your coverage requirements under the act. Keep in mind that you cannot use government subsidies to help reduce your premiums under employer-sponsored plans, but you have the option to opt out and buy insurance from private companies or the government yourself.

Or You Can Negotiate or Appeal to the Crowd

If you decide against buying short-term or critical illness coverage, you still have some options, such as talking to your doctor or hospital about negotiating their fees. “It is not an easy task, but it can result in big savings,” said Noah Lang, founder of Stride Health, a San Francisco health insurance exchange. “Medical bill advocates like CoPatient in Boston can also help do this negotiating for you. Make sure to check your medical bills for errors like duplicate charges. Finally, you could turn to crowdfunding sites like YouCaring to crowd-source money for high medical costs.”

The next nationwide open enrollment period for Affordable Care Act policies runs Nov. 1 to Dec. 7. The tax penalties for being uninsured during 2015 are higher than they were in 2014, when the penalty for not having insurance was either $95 or 1 percent of your annual income, whichever was greater. In 2015, that penalty skyrockets to the greater of $325 an adult, and $162.50 a child or 2 percent of household income.

Cutting Off Adult Children Who Aren’t Financial Grown-Ups

A57ACN Parents discussing with son, rear view money problem issue 40-45; years; 40-50; years; 45-50; years; adolescent; adults;

It’s natural for parents to want to help and support their children. But should that help continue well into adulthood? By helping too much, parents run the risk of imperiling their own financial future and creating dependence.

“The reality is that you are not doing the adult kids any favors at all by always bailing them out,” said certified financial planner ReShelle Barrett, a senior vice president with Bill Few Associates. “If children are buying a house and counting on help from Mom and Dad, then it’s probably a house they can’t afford.”​

The Great Recession rewrote some of the rules of financial independence for many young adults. With jobs scarce, student debt soaring and foreclosures hitting, it wasn’t uncommon for grown children to take refuge in their childhood homes. “If they’re typically financially responsible but have fallen on hard times, you are going to want to be there to help them, and that’s fine,” said Joe Franklin, a certified financial planner and founder of Franklin Wealth Management.

Buts a general “open wallet” policy is dangerous for parents and children alike. “People don’t want to cause their kids any pain or any stress,” said Joel Larsen, a certified financial planner and principal of Navion Financial Advisors. “One day you’re not going to be around anymore. Do you want your kids learn to deal with the world when they’re 60?”

Avoiding Financial Ruin

It’s fine to make a lavish gift to adult children now and again, especially for children who are otherwise diligent and make no demands. But always coming to the rescue can jeopardize both your child’s drive and your retirement security. “In the final descent to retirement, there’s not a huge buffer for you,” said Ken Geraghty, a certified financial planner with Eagle Strategies. A child in his or her 30s or 40s has lots of options for income generation; a retiree does not.

Take one of Joel Larsen’s clients, a 70-something widow who always swooped in to rescue her three children. “One needed help starting a business; another needed a down payment on a house or a new car,” he said. The woman had a comfortable retirement that wasn’t too extravagant, but her constant gifts soon depleted her investment account and, later, her emergency savings. When she came clean to Larsen, he called her children and asked for the money back. “They all said, ‘Sorry, I can’t.’ “

Before long, the client had a medical issue and needed care. With her assets gone, the only care she could get was in a Medicaid nursing home. Had she not made those handouts, she could have afforded a better facility or received care at home, Larsen said. Now when clients say they want to help their adult children, he offers to run the numbers for them and tell them how it will impact their retirement plans. “That way, they can say, “My financial planner says I can’t afford it.’ “

The Right Help

Parents should hesitate before providing a down payment for a home before their children have the maturity that comes with saving for it. Parents are also too quick to help their children start a business. Plenty of small businesses fail, and parents need to protect themselves. “You need to have something legally in writing that protects you as an investor in that business,” Barrett said. “If the business defaults and can’t pay its creditors, those creditors can come after your personal assets.”

Some advisers believe that when parents make substantial cash outlays to help their kids, they should expect to be paid back. Franklin advises his clients to draw up a contract and charge interest. “As a parent, you have to feel proud when they pay your money back, knowing they are on the path to financial independence.”

By Internal Revenue Service rules, you must charge a minimum interest rate. In March the Applicable Federal Rate was 0.40 percent for loans up to three years, 1.47 percent for loans of three to nine years and 2.19 percent for loans longer than that. “If they don’t pay you back, it’s now a gift,” Franklin said.

Gifts that are more than $14,000 (or $28,000 per couple) are taxable, though “most people are not even aware about the gift tax,” said Geraghty. If tax is not paid, then larger gifts will need to be accounted for and taxed at that time. Some parents go one step further and deduct gifts from their children’s inheritance. “I had a client who said that when she passes, her son is not going to get anything, that it was going to the other children because he had already gotten so much from her in the form of handouts,” said Franklin.

Of course, financial dependence is a two-way street and the result of a lifetime of financial lessons never learned. The best defense against dependent children, advisors say, is increasing financial responsibility as children grow. And letting them fail when they’re young is a lesson that will stay with them long after their parents are no longer there to bail them out.

You Are More Than a Credit Score

Credit history form on a digital tablet

America is obsessed with credit scores. And the obsession is for good reason. Credit scoring algorithms determine whether or not you will be approved for a mortgage, auto loan, credit card or personal loan. Scores also determine how much you will pay for those products. Having a credit score above 750 can get you the lowest interest rate available, which can save you thousands of dollars. Given how much money is at stake, it makes common sense to understand how scores work and how to have the best score possible.

However, like all obsessions, the credit score obsession is unhealthy. Now that websites enable you to track your score weekly, people actually do track their credit scores weekly. And that is an almost pointless exercise.

But ignoring your credit score completely, and pretending that it doesn’t exist, doesn’t make sense either. Unless you will never need to borrow money, you should have a good score. And contrary to one of the worst myths out there, you don’t need to borrow money and pay interest in order to have a good credit score. You can have an excellent credit score for free.

​There Are Hundreds of Credit Scores

FICO is the most well-known credit score. Because Fannie Mae and Freddie Mac use FICO in mortgage underwriting, it has become the most important score in the market. But there are many different versions of FICO credit scores, which are listed on its website. There are scores for credit card companies, mortgage companies and auto lenders. And there are different versions of each score as well.

In addition, the score is calculated based upon data supplied by the credit bureaus. There are three credit bureaus. If the information in those bureaus is different, you could have different scores.

Free credit score websites like CreditKarmadon’t provide the FICO score. Instead, they provide the VantageScore, which is similar to FICO but not the same.

And when banks make lending decisions, they usually have their own custom scorecard. A version of the FICO score is probably used, but it isn’t the only component of the bank’s custom score.

People often come to me, worried about a 10-point change in the free score they received from CreditKarma. I tell them not to worry about such a small change, because lenders are probably not using that score anyway.

​A Few Basic Rules Are All You Need

If you follow just a few simple rules, you will likely have an excellent credit score regardless of the model used.

  1. Always make your payments on time. Nothing harms your score more than a missed payment.
  2. Avoid credit card debt. Make sure you never charge more than 20 percent of your available credit and you pay your balance in full every month.
  3. Repeat items 1 and 2.
  4. Check your credit report at least once a year ( to make sure all of the information is correct. Dispute any incorrect information.

It really isn’t more complicated than that. For people who don’t like using credit cards for their everyday spending, I have a very simple suggestion. Find a bill that you can pay with a credit card. Your cellphone is a great example. Open a credit card, and sign up for automatic bill payments, linking your credit card. On your credit card, sign up for automatic payment from your checking account. You can then cut up your credit card and remove any temptation of spending.

By doing this, you will ensure that every month you will have a positive item on your credit report. And you will automate all three rules. Your payment will be made on time. Your cellphone bill should never be more than 20 percent of the limit of your credit card. And by paying the balance in full every month, you will never pay a dime of interest.

If you do this, you will end up with an excellent credit score over time. And it is easy.

But You Are More Than Your Score

People often believe that a credit score is enough to get approved. However, people with high credit scores are often rejected.

In addition to a credit score, lenders will also consider your income, debt burden and potentially your time at your job or address. If your total monthly payments are more than 40 percent of your income, you will find it very difficult to get approved for almost any form of credit. If you don’t have stability in your income or your job, you could end up being rejected as well. Increasingly, lenders are relying less upon FICO and more upon your job, your income and your cash flow.

How to Get the Best Deal

You shouldn’t be afraid of shopping around for the best deal. If you have a good score, you should use that score to get the best rate.

If you are applying for a mortgage, auto loan or student loan refinance, you can apply as many times as you want in a 45-day period. All of those inquiries will only count as one inquiry. You should shop for the best deal and make your lenders compete.

If you already have credit card debt, you shouldn’t be afraid to look for a lower rate. You aren’t stuck in a high interest rate. When you have a good credit score, you have options. Marketplace lenders are offering dramatically lower interest rates and an easy way to comparison shop. Most marketplace lenders let you check your interest rate and see how much you can borrow without hurting your credit score. You can see a list of these lender at MagnifyMoney, my website.

And I always recommend talking to your local credit union. They are often able to provide some of the best interest rates for any form of borrowing.

Don’t Worry, Be Responsible

If you avoid debt, pay your bills on time and have one positive item a month on your credit report (like the cellphone example), you should have no worries. Whenever you need to borrow money, your score should reflect the responsible life that you are living.