The Best Student Loan Companies For Refinancing

Refinancing your student loans can make good financial sense, and that’s especially true if your current loans are stuck at a high-interest rate. With a new loan at a lower APR, you could save a bundle of money on interest each month and ultimately pay your student debt off faster. Consolidating several loans into one […]

The post The Best Student Loan Companies For Refinancing appeared first on Good Financial Cents®.

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How Does Cash Back Work?

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer. … Continue reading →

The post How Does Cash Back Work? appeared first on SmartAsset Blog.

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Race Car Driver Johnny Gray’s $32.5M Florida Mansion Revs Onto the Market

The retired race car driver Johnny Gray is speeding away from his Jupiter, FL, home. On the market for $32.5 million, the 30,000-square-foot estate was built in 2016.

The post Race Car Driver Johnny Gray’s $32.5M Florida Mansion Revs Onto the Market appeared first on Real Estate News & Insights | realtor.com®.

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New to Market: Matt Damon’s Zen Los Angeles Home Asks $21 Million

The actor is ready to part ways with his Pacific Palisades digs, a Zen-inspired architectural gem with striking features and Instagram-worthy interiors. More

The post New to Market: Matt Damon’s Zen Los Angeles Home Asks $21 Million appeared first on Fancy Pants Homes.

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How to Explain a Gap in Your Résumé

My first job out of college was with a recruiting firm run by three women who had nearly a hundred combined years of experience in the workforce. They taught me everything I needed to know about how to read resumes, including the warning signs to look for. A gap in employment was, according to them, the kiss of death.

Today, a hot minute and three U.S. presidents later, I truly believe that wisdom is as outdated as my prom dress. It was fine in the moment, but the moment has passed.  

Each of us is complex and unique, and our personal stories should reflect that.

The rules of employment history have changed, and the story you craft about your timeline is yours. Whether your employment gap happened because of a layoff, becoming a caregiver, taking a sabbatical, exploring entrepreneurship, or even just a mental health break, let's talk about how you can own that gap in a way that will want a prospective employer wanting more of you!

1. Lead with transparency

As poet Walt Whitman said, “I am large. I contain multitudes.” Each of us is complex and unique, and our personal stories should reflect that. There are no right or wrong plot points as long as each point is truthful.

When capturing your history (employment and otherwise) on your resume, be honest and transparent. There's no need to flag a gap in employment in bold print, but neither should you try to hide it.

Our journeys are complex and diverse. The trend toward inclusion will only grow in 2021. And beyond diversity in terms of race and gender, I believe companies are ready to lean into a diversity of experiences in the workforce. Companies must look beyond the traditional one-directional career path, and search for talent whose life experience reflects that of their customers.

Beyond diversity in terms of race and gender, I believe companies are ready to lean into a diversity of experiences in the workforce.

So don’t be ashamed of revealing your lived experiences, from caregiving to travel to taking time to pursue a passion. Transparency upfront will help you begin the conversation with a prospective employer on the right foot.

2. Reflect on your gains

Maybe you opted out of the workforce for a year to care for a child or parent or to travel the world. Or perhaps you were laid off in an economic downturn. Whatever your reason and whatever the cause, you were still a person living in the world during this time. Your experience may not have been “work experience,” but this is where life experience gets its time in the sun.

When I spent 2007 at home with my newborn daughter, there were days—many days—that left me feeling like my brain had turned to mush. Baby Beluga had become my theme song and I was spending days calculating ounces of milk digested and … processed. (Yes, I mean poops).

This is where life experience gets its time in the sun.

But as I started gearing up for a job search in 2008, I pushed myself to reflect on the gift of that year. Certainly, it was a privilege just to be with my infant daughter. But it had also given me some new skills and perspective. 

Time management and prioritization become finely tuned when your baby’s naps are suddenly your only windows of productivity. I had become part of a new demographic—parents—which broadened my perspective not only on the world but on any company’s potential customer base.

Oh, and my ability to experience failure but keep on keeping on? That expanded immensely. I screwed up daily with sleep training and sign language and all the mothering things. But I also persisted because I had a new responsibility to manage.

These were some of my reflections. I challenge you to define your own.

Think expansively about how this time has added in any way to the multitudes you contain. It is now a part of your story to shape and own.

Maybe you were laid off during the pandemic. You’re not alone. And remember, you’re leading with transparency. You don’t have to pretend the layoff was some grand gift. You’re allowed to experience disappointment. But shift quickly into considering what you gained during the weeks or months of not being employed.

What have you spent time doing? Being with family? Caring for a loved one? Supporting a working partner? Have you taken any classes? Picked up a new certification? Learned to cook? Think expansively about how this time has added in any way to the multitudes you contain. It is now a part of your story to shape and own.

3. Craft the narrative

So now, armed with insight and reflection, it’s time to craft the story you will proudly tell any prospective employer. This is your chance to package yourself as the most irresistible product on the job market.

I’ve always loved the commencement address Steve Jobs delivered at Stanford back in 2005, during which he said:

You can’t connect the dots looking forward; you can only connect them looking backward.

Steve Jobs

So, as you look back at the totality of your experience—work and life—what is the story you want to tell that makes you the most compelling candidate? How will you choose to connect the dots and help your potential employer see the complete picture?

In 2008, I showed up in interviews not as a new mom hoping desperately for anyone to give me a chance, but as a person with a broad perspective to offer. I still had my pre-baby skills and experiences, but now I could apply a keen ability to prioritize, to think critically about what should command my focus, to learn from failure, and to be successful without having control over a situation.

My conversations with hiring leaders painted this picture of me. I made sure to bring in examples of both work and parenting experience. It made me real and whole. And it ultimately won me a great job.

So, what’s the story you’ll tell? Maybe being laid off taught you that things can change on a dime, which has challenged and enhanced your agility. Maybe you used your time to take classes, brush up on skills, and add a certification. 

Prepare examples of how these insights and added skills will deliver value for your next employer. How lucky they will be to have you!

4. Fake it till you make it

I stand by the logic of everything I’ve said thus far. But there is so much more than logic at play here. There's ego and emotion and anxiety and lots of other messy human things. I’ve lived through, and overcome, all of that. Some days I’m still overcoming it.

Confidence is something that will grow over time. But don’t wait for it; cultivate it.

Are you wondering how I managed to show up with so much confidence after spending a year away from the corporate world? Then let me tell you my secret: It wasn’t confidence at all! It was all my fear and anxiety hidden behind a smile and a firm handshake. (Remember those?)

Confidence is something that will grow over time. But don’t wait for it; cultivate it. For now, if you’re struggling to access confidence, then just play the part. You’ll be amazed at how quickly the real thing will follow.

And there you have it. Yes, whole, complex, messy you. So practice your most confident smile, prepare your firm handshake, brush up your résumé, and get ready to pound the pavement.

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2021 Mortgage Rate Predictions: Mostly Flat But More Record Lows Possible

Yet another year is about to come to an end, and that means it’s time to look ahead to what next year has in store. I think just about everyone wants to see the back of 2020, though it wasn’t all bad news. The housing market actually held up surprisingly well, and mortgage lenders enjoyed [&hellip

The post 2021 Mortgage Rate Predictions: Mostly Flat But More Record Lows Possible first appeared on The Truth About Mortgage.

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‘Our Dream Home Failed Inspection’: A Warning to Buyers

There was so much to love about this old house—that is, until a home inspection revealed some scary secrets. Here’s what other home buyers should know.

The post ‘Our Dream Home Failed Inspection’: A Warning to Buyers appeared first on Real Estate News & Insights | realtor.com®.

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8 Tips to Save Money on Meat

TipstoSaveMoneyonMeat

Buy It in the Morning

Looking for deals on meat? Hit up the supermarket in the early morning. That’s when they’ll be restocking the meat case, and you’ll have the best bet at finding a deal.

Buy in Bulk

Ask at the deli counter of your supermarket for “bulk ends,” and ask if there’s a discount! These end bits of sliced meats are too small to slice in the machine, but can be sliced or cubed at home. They’re often offered at half off!

Befriend the Butcher

When does your supermarket mark-down meat? It’s as easy as asking the butcher. Especially if you’re friendly, he or she will usually be happy to let you know this valuable savings secret.

Market Watch

Supermarkets have started using their own wording on meat packages to make you think that the product you are buying is a better grade than it really is. Most of the major chains are buying more select-grade beef, but may call it by any number of fancy names such as “top premium beef,” “prime quality cut,” “select choice,” “market choice,” or “premium cut.” Be aware that these titles don’t actually mean anything!

Ask for Discounted Cuts

Grocery stores make a lot of money on meat, so it’s not surprising that they display the priciest cuts in the case! Experience dramatic savings by instead asking the butcher to slice different cuts for you from the same primal (or section) of the cow or pig. These cuts can be as little as one-fifth the cost of the expensive, pre-packaged cuts, and they’ll be just as tender and tasty. Here are a few discounted (yet delicious) cuts you can ask for: Instead of buying ground beef, ask the butcher to grind up a bottom round roast for you. If you’re looking for rib eye steak, request chuck eye. (You may need to ask the butcher to cut a 4-inch roast off the front of the boneless chuck, then to peel out the chuck eye and cut it into steaks.) Instead of pork tenderloin, buy an entire loin roast and ask the butcher to cut it up for you.

Buy Bigger Hams

If you’re going to buy a canned ham, purchase the largest one you can afford. Most smaller canned hams are made from bits and pieces glued together with gelatin. Cured hams are injected with a solution of brine salts, sugar, and nitrites. The weight of the ham will increase with the injection, and if the total weight goes up by 8 percent, the label will usually say “ham with natural juices.” If the weight of the ham increases by more than 10 percent, the label must read “water added.”

Make Your Own Patties

Never buy meat that’s already been shaped into patties (unless it’s on sale). Instead, buy your own and shape into patties yourself. Place a sheet of waxed paper between each, then place the entire stack in a resealable plastic bag and put in the freezer.

Leaner Isn’t Always Better

Even if you want to prepare low-fat meals, you don’t always need to buy the leanest (and most expensive) ground beef. If you’re preparing hamburgers on a grill or on a broiler rack, most of the fat will be lost during the cooking process, so stick with the moderately lean varieties.

For more ways to save money from all over the internet, check out our Saving Money board on Pinterest. And don’t forget to sign up for our newsletter and follow us on Facebook for daily tips!

Photo courtesy of Shutterstock.

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