Why Are Women Dating Less Attractive Men? (Spoiler: It’s Not for Money)

first-date_965804
first-date_965804

It’s an ongoing phenomenon. You’re out sipping coffee, buying a croissant, and you’ll spot men across the sidewalk with women who seem out of their league. You can’t help but wonder: How did they pull it off? Is it because they’re rich? Do they have some sort of hidden superpower? Maybe, they’ve got a huge…package? (Spoiler alert: it’s not because of money.) Hot Guys are Bad at Dating Remember the last time you dated an attractive guy? Science says the most attractive guys are also the worst to date, and that you’ll have a better shot at a happy marriage with somebody less attractive. The reason lies in their genes. According to the study by UCLA’s Benjamin Karley, physical attractiveness of long-term mates is really more of a guy thing. Of course, women aren’t blind. They do need to … [Read more...]

Celebrate Your Inner Rich Girl’s Financial Independence!

make extra money
make extra money

Every 4th of July, Independence Day is celebrated with pomp and parade, fireworks, light and barbecue in every corner of the country. Nowadays, however, many Americans feel as if they can’t completely celebrate independence with a financial albatross hanging around their necks. Whether you feel like a character in Warner Bros. Television’s 2 Broke Girls (or not!), honey don’t let the anxiety over your financial state rain on your parade. We've got some personal stories of others to inspire you to let go of the debt and find financial freedom on this day of independence. I felt a rope with a rock tighten around my neck – Paige Hunter Paige Hunter was in a state of hopelessness. She says, “My husband took out a 30-year mortgage”, and she could almost feel a rope with a rock tighten … [Read more...]

Money Saving Tips For College Students Living on Campus

More than likely you know someone graduating high school and heading off to college this fall. After getting over the shock of the first year's tuition bill, they'll be in need of some frugal tips to get by while living on campus. Tuition. Reduce tuition costs by: 1. Attending a local state school 2. Getting a job at the university and let them foot the bill as most institutions do for full and part time employees 3. Applying for grants specific to your major, merit based, financial need and state based. For example, VA gives a grant for all graduate students in good standing at any accredited university. Room and Board 1. Apply to be a resident assistant. This is one of the most rewarding positions you'll have in your college career. Not to mention that it totally wipes … [Read more...]

Mission Possible: Making Ends Meet on an Inconsistent Income (6 Steps!)

written-budget
written-budget

  Yes, even on an irregular income, you can budget effectively. And you should. One in three Americans prepare a detailed monthly budget, but it’s especially difficult if your paycheck comes in irregularly. You may be an artist, consultant, freelancer, temporary worker, or a commissioned salesperson, but there are ways you can organize your finances to meet your needs (and even afford a shopping spree, or two). Although it may seem more difficult because the amount you earn varies on a weekly, monthly, or even yearly basis, it can be done when you keep these budgeting guidelines for inconsistent incomes in mind. Step One: Figure out your fixed expenses When it comes to budgeting, always begin with your fixed expenses. These are monthly expenses that are mandatory, … [Read more...]

7 Money Blocks Between You And More Moolah

bankrupt-woman
bankrupt-woman

Do you feel like attracting more money into your life is an ongoing struggle? Sometimes, you’re on a roll—winning, and then little bumps along the road happen. You forget your keys, the screen of your iPhone cracks, or you’re going to be late paying the bills again this month. Deep down you may be harboring “money blocks”. There are ways you can open up your channels and invite cash to flow in more naturally and freely. But first, you have to overcome those limiting beliefs and ideas you’ve always harbored about money. Learn which of the 7 money blocks below are keeping you from manifesting your goals. Lack of Clarity What do you really want? You may already have an idea of what tops your wish list, but if you think that item or experience is beyond your reach then this … [Read more...]

Have You Tried These 3 Tips To Get Out Of Debt?

debt
debt

A lot of people spend money on their credit card without giving a second thought to the payments — until the statement comes at the end of the month. By that time you may not have the money to make the payment. This leads to late payments, late fees, and a diminishing credit score — no one wants that. The good thing about getting into credit card debt when you're young is you can recover from it, start over, and turn your financial life around. Learning from your mistakes is part of growing up and this includes learning how to manage your money responsibly. If you have more credit card debt than you can handle take these three steps toward becoming debt free: Leave the plastic at home If your credit card is in your wallet then you may be tempted to use it — so just take it out. … [Read more...]

Investing With FX: When You Don’t Have Much Time or Energy

Screen Shot 2014-08-21 at 8.34.39 PM
Screen Shot 2014-08-21 at 8.34.39 PM

Investing passes a lot of people by. And it’s not like these folks are sitting around sitting on their hands. If you’re like me, you’ve got a million things to do at all hours of the day. What’s more, this probably didn’t start just recently. You’ve been busy for days, weeks, years! Was there ever a time when you weren’t up to your ear lobes in stuff to do? Lots of people feel this way. It’s why people don’t have time for investment. So common is this conundrum that 50% of adults don’t invest at all. I’m not here to spook you, but I am hear to give it to you straight. Because our finances (and the lifestyles which depend upon them) get much more vulnerable as we age, clearly being investment-less as an aging person is not a situation you want to put yourself in. But that doesn’t … [Read more...]

Should A Married Woman Have A Secret Stash Of Cash?

stash cash women
stash cash women

I haz a secret! I love Power. But not the power you're thinking of.  No, then again, I like that too! But no I'm talking about the Starz drama, Power. Here's the lowdown on the show: It appears James "Ghost" St. Patrick has it all -- a drop-dead gorgeous wife, a stunning Manhattan penthouse, and the power and success that come with owning hot new nightclub Truth. But a closer look reveals a man living a double life. When Ghost isn't tending to his Fortune 500 business, he's catering to clients of another operation: a drug empire that serves only the rich and influential. While loyal sidekick Tommy protects the cash-cow narcotics venture at all costs, Ghost's new reality is using Truth as more than a front to launder money. It's a way out of the drug game and into a … [Read more...]

3 Ways To Avoid Wrecking Your Second Marriage (#3 is so me)

woman-divorce
woman-divorce

Money is hot button topic for a variety of reasons.  And personally, being divorced and contemplating a second dance down the aisle used to be daunting. Once divorced, there's a measure of control that you regain - and it feels good!  Because when you're going through tough times, there's the sense that you no longer have control and it is down right scary.  By no means am I a control freak, but I am rather structured and I like order. To that end, I think it's important to have an open and honest discussion about everything that could be a potential issue in your relationship. The stuff that causes you to recoil and pull back?  Yep - that stuff. For example, when my ex would lend money to friends without telling me - that would irritate me to no end because he would take money … [Read more...]

Should You Dump The Boo Bustin Up Your Bottom Line?

marriage money problem
marriage money problem

At some point or another we've all made decisions about money with the best of intentions but perhaps the outcome wasn't that great. Maxed out credit cards. Judgements.  Collections.  Overspending. Is that you? If it is, how is it affecting your relationship?  Are you still making decisions that hurts your relationship financially more than it helps? Now, I'm ready for the blowback telling me that love conquers all but honey,  let it go! The #1 reason for divorce cites money issues as the reason.  So for that reason alone, it's really important that you consider how your actions may be affecting the relationship. Now, this is different than having a checkered financial past and then working to make the necessary changes. I'm talking to the woman that shops too much, … [Read more...]

5 Ways To Unpack Your Financial Baggage And Move On With Your Life

emotional financial baggage
emotional financial baggage

We've all encountered issues in our lives that would at one point or another serve to derail the plans we have for ourselves.  This can include deaths, breakups, divorces, medical issues, financial crises and anything that would normally cause us pause and question everything. Then we battle feelings of regret, resentment and the inability to forgive ourselves for mistakes made in the past. It's totally OK to feel this way, especially about financial baggage.  You may have messed up royally, cried about it even - just don't unpack and live there. Unpacking and living there looks like this: Constantly reliving feelings of regret around financial decisions made in the past In spite of the pain associated with those past decisions - continuing to make the same decisions hoping … [Read more...]

5 Ways Fees and Expenses Are Eating Away At Your Investment Portfolio

draftapp1
draftapp1

If you've ever opened your quarterly investment account statement, looked at your bottom line and wondered why you didn't make a big profit despite market gains then you mostly have experience with investment fees. No worries, it happens to the best of us. I was expecting to see a relatively decent profit gain during the last quarter, but whenopened my investment portfolio account statement I was shocked to see that my net gains weren't as great as my expectations.  It wasn't that the market didn't perform well, it was due to the fees and management expenses. This is why it's so important to research your investment options before making any decisions and understand all fees involved before adding any new investments into your portfolio. What types of fees and expenses do … [Read more...]

3 Reasons Why Smart People Make Bad Investments

Food_Money
Food_Money

Warren Buffett says that successful investing is as simple as never losing money. Sounds simple, right? Well, apparently it’s not simple at all, because many people do not invest, and many people do it poorly. With such a low standard of investment in the United States, it seems like it wouldn’t take much effort to do better than the status quo. And that’s exactly what the case is. Many people would do well at investment if they simply tried. And many who do invest, but fail, would do better if they simply realized that the following habits are a recipe for investment disaster. We Do the Wrong Thing at the Wrong Time. Americans’ sense of “how the economy is doing” is notoriously faulty. This is because economic momentum takes a long time to trickle down to the average person. So just … [Read more...]

Selling Your Diamond Jewelry After The Divorce – Don’t Do This

diamond lighthouse
diamond lighthouse

Broken engagement?  Recent divorce?  Or maybe you need some extra cash.  Pull up a seat, we've got a solution for that! Life happens right?  So you may be faced with selling old or suddenly regretful jewelry but lots of people are on the fence about selling their once beloved pieces. The main reason for this is that there’s a prevalent belief that selling jewelry is a frustrating and time consuming process. If you have ever thought about selling your diamond ring for example, you’ll be relieved to know that by following a few simple guidelines, the process becomes much simpler and less bumpy. Probably the most important thing you should be aware of before selling any kind of jewelry is being aware of its true worth before delving deep into the market looking for buyers. If you don’t … [Read more...]

Online Learning Experience for Students

college-student-credit-card-marketing
college-student-credit-card-marketing

Online learning is like nothing traditional students have ever experienced. The challenges, benefits and experiences moment to moment are completely unique from traditional classroom settings. Online learning brings the need for new skills, disciplines and ways of approaching study and learning. However, in other ways it is also very much the same animal that traditional learning represents for students. Discipline, motivation, dedication and perseverance are all required for this new frontier of education. Here are five things that you should understand about how the online learning experience is different from a traditional classroom setting, and how it's the same as well. Blue Jeans is dedicated to creating a learning experience that rivals that of traditional programs. Arming … [Read more...]