‘I paid off $26,500 in debt in less than two years’ (CNN Money)

January 8, 2013 | Posted in Career, Debt, Finance | By

brian-mcbride

NEW YORK (CNNMoney)

A couple of months ago, I finished paying off $26,500 in debt — most of it student loans. It took less than two years to save up that cash. During that time I became a pro bargain shopper, tested my limits with expiring foods and briefly resorted to using food stamps.

Like most 20-somethings, I thought I’d be saddled with debt well into my 30’s and possibly 40’s, just like my parents. But here I was, just 25 years old, and debt-free.

My mission to wipe out my debt kicked into high gear right after graduation from Arizona State. I had landed my first job as a local reporter in Green Bay, Wisc., making $13 an hour. Not only did I have $20,500 in student loan debt, but I also owed another $6,000 for my 2003 Honda Civic.

I tackled my car loan first since it charged a higher 8% interest rate. I also had six months before I had to start making payments on my five student loans.

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7 Small Business Goals for 2013 (via Grasshopper.com)

January 7, 2013 | Posted in Business and Professional, Career, Education, Life | By

Goals 2013

The New Year is officially here, and with it comes New Year’s resolutions. By now, you probably have your market and performance goals for your business well-defined, but consider these seven meta-goals to help you reach those other benchmarks.

1. Delegate One Task Each Day

While planning your work each day this year, choose one task to assign to an employee or assistant. Most business owners fail miserably when identifying what they can and should delegate. This practice will help you learn.

2. Jettison 20% of Your Mass

Consider this weight loss for your business. Whether it’s furniture you don’t use, stock you can’t move, junk in the back room or an entire department, figure that roughly 20 percent of the stuff in your office is unnecessary and costs you money each day. Lose it.

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Forget discouraged, 3 million workers hopelessly unemployed (CNN Money)

January 7, 2013 | Posted in Business and Professional, Career | By

hopeless-discouraged-jobs-street-sign-monster
NEW YORK (CNNMoney) By Annalyn Kurtz

Employers may be hiring, but there’s another big problem with the job market that isn’t being tracked as closely: the hopelessly unemployed.

An often overlooked number calculated by the Labor Department shows millions of Americans want a job but haven’t searched for one in at least a year. They’ve simply given up hope.

They’re not counted as part of the labor force, the official unemployment rate, or the category the Labor Department refers to as “discouraged workers” — those who haven’t bothered to look for work in the last four weeks.

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Retirement Checkup for the New Year (CNN Money)

January 6, 2013 | Posted in Business and Professional, Education, Finance, Life, Men, Women | By

I save 15% of my salary each year in my 401(k), my company matches another 4.5% and I contribute the max to a Roth IRA. Am I doing enough to safely retire? — Dave K., Jacksonville Beach, Fla.

If you continue at the rate you’re saving, it’s hard to imagine you’ll come up short at retirement time. After all, you’re socking away money at more than double the rate of most 401(k) participants, plus you’re funding that Roth IRA.

But as important as diligent saving is, your savings rate alone can’t tell you whether you’re on track for a secure retirement. To know for sure, you’ve got to undertake a more comprehensive review of your retirement planning efforts.

You can do that by performing what I call my annual New Year’s Retirement-Planning Checkup. It consists of just three simple steps:

1. Figure the odds. There are so many unknowns and potential detours along the road to retirement — market setbacks, spates of unemployment, emergencies that drain savings — that you can never say that a secure retirement is a given.

Click here to continue reading this article –> http://money.cnn.com/2013/01/03/pf/expert/retirement-saving.moneymag/index.html?iid=SF_PF_River

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Seeking job security? Try this gig (CNN Money)

January 4, 2013 | Posted in Business and Professional, Career, Education | By

Occupational therapists have incredible job security. They make about $75,000 a year and help people lead their daily lives in the process.

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Are graduate degrees worth the cost? (CNN Money)

January 2, 2013 | Posted in Business and Professional, Debt, Finance, Life | By

The CEO of tech company, Rackspace, feels that advanced degrees aren’t worth going into hundreds of thousands of dollars of debt for.

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