Do you lend money to friends?

Let me start off by saying that I’ve been burnt when I lent money friends so I’m a little bit jaded. Most people would add this to the list of stupid money decisions of my youth, but I also want to point out that I was lucky enough to be one of the very few people who was working at a well paying job while in school. But being burnt doesn’t mean that I don’t help when someone asks for it. You can’t call yourself  The difference is that I get things in writing and get a better idea of why they need the money.

The truth is that now my friends and I are in our 30’s we don’t actually just borrow money for the sake of boring money anymore. Yes, there are the fringe events like forgetting your wallet, or not activating your new credit card on time. These things still happen, and more often than not over dinner or drinks, and you can easily buy lunch,  pick up the tab next time or send money online when needed. You don’t even have to think about lending money if it’s a responsible friend. The times that I’m more concerned about are the times where more than a few hundred dollars are involved.

There are quite a  problems with lending money to friends. These include the following:

1) There is no set timetable to be paid back. Yes, you get pushed to the back of the line when it comes to be paid back.

2) You can kiss any potential interest earned goodbye. 

3) You become their get out of jail free card. The more you help someone out with little to no consequences, the more they will ask for. Obviously this is not always the case, but you do start to notice a pattern quickly.

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5 Outdoor Jobs that Break the 9-5 Grind

If you are over the monotony and constraints of working 9 to 5 in an office, the prospect of an outdoor job will probably interest you greatly.

The benefits of working outdoors are immediately appealing: fresh air, sunshine and the opportunity to be closer to nature. However, some people may feel threatened by the types of work that are typically done outdoors, but the good news is that many outdoor jobs can be done safely. For example, the job of a window cleaner working at heights may be perceived as perilous. Thanks to height safety specialist companies, equipment can be used, and strategies developed, to enhance worker safety. For more information and specific examples, get in touch with experts like Safe at Heights .

So, what are 5 of the best of the outdoor jobs that can set you free from the 9 to 5 grind?

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Top 4 finance jobs for your future

There’s an awkward moment in every university graduate’s life. It’ll usually happen on graduation day. As you clutch your degree like a lover, a relative or close friend will approach you and, motioning towards your new qualification, ask, “So what are you going to do with that, then?”

And you’ll be stumped, stammering worse than a teenage boy trying to speak to a girl he fancies. But if that degree you’re clutching is in finance, here are a few occupations you can consider for your future.

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Tax

For a truly taxing position, you could do worse than move into the world of tax. With a ton of tax recruitment sites available online, it’s a niche that’s being well catered for – and it’s a sector that’s continually strong.

But what do people in tax actually do? Essentially, they exist to minimise tax liability for businesses or individuals.

It might sound like dry work, but it’s actually stimulating in the same vein as a Sudoku puzzle. If filling out tax returns, balancing books and advising clients sounds like your cup of currency-based tea, give it a go.

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5 Things You Need To Know Before Getting Car Insurance

Ah, car insurance! My most dreaded monthly expense. I’ve been very honest in sharing my mistakes when it comes to getting tickets, and racking up my rates to a point where it’s taking me years to bring it down. I’ve also raved about how awesome my insurance broker is, and how having one that you trust, and who knows your driving history/patterns is a a benefit. However, not everyone is in my shoes, and most have excellent, or good driving records, and just to need to find a company that treats them well, and works for them. So, are you in the market for car insurance? Before you sign on the dotted line, it’s worth the effort to understand the bylaws and loopholes that most insurance companies don’t include in their contracts. If you want to secure the best deal for you and your vehicle, here are five industry secrets you should know.

1. You Can Argue for Better Value

If you’re unhappy with your current rates, or if you’ve been in an accident and the insurance company is undervaluing your car, there are steps you can take to protest the given price. For example, if you’ve had your car regularly serviced, you can argue that its value is higher than a clunker with a bad engine that has not been regularly serviced.

2. It’s Possible to Recoup Sales Tax

More than 25 states require insurance companies to cover the sales tax and registration fees of a replaced car. However, insurance companies don’t have to do this unless you ask for it, and many drivers don’t even realize it’s an option. Ask your insurance company upfront if this is an option they provide.

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