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The kind of mortgage you get matters, too. If you can swing the higher payments of a 15-year loan, you’ll pay less in interest and will own your home sooner. If not, maybe get a 30-year loan with no prepayment penalty, and aim to make some extra payments if you’re able. If you know you won’t be in the home long, an adjustable-rate mortgage can get you a lower interest rate. If you may stay for decades, a fixed rate can be smarter, especially in our current low-interest rate environment. Go ahead and get in debt with a mortgage, but be financially smart about it. Image source: Getty Images. Replacing bad debt with good (for good) Dan Caplinger : One of the best reasons to borrow against new sources of credit is to consolidate other loans and get more favorable terms. adviceFor instance, if you have a lot of high-interest debt in the form of outstanding balances on credit cards, then one option you might have is to take out a home equity loan to pay off the cards. There’s a downside involved in that putting your home up as collateral introduces new risk, but the much lower interest rates you can usually get compensate for that risk. Another option involves taking advantage of credit card introductory offers that offer 0% interest for a limited time.

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Don’t be surprised when you try to get in the door in New York, that the guard at the door/receptionist will not let you see anyone, but refer you to their website: no appointment, then no interview until they call you after you answer their website application and questions. Prepare for a behavioural interview. Build your base of skills and abilities, and narrow them to the jobs that work better for you. Getting Started in Freelancing/Contracting We’re told the “gig economy” is the wave of the future. Reporting changes will help you get the proper type and amount of financial assistance so you can avoid getting too much or too little in advance. Getting trained for a new career can be exactly what you need or it can be a huge waste of time and money. Dress for success! Anyone who has your account information can use it.

job hunting

job hunting

In.his article, Meg Guiseppi describes exactly how to do it. Research the company . Contact them one by one and ask them if they know of any openings for which they could recommend you. Go to the company or business where you think you might want to work, bring your resume, and ask to speak to the Human Resources’ manager about jobbed opportunities. Networking doesn’t mean attending events in big rooms full of strangers! Hannah Morgan provides simple steps to help you move ahead. What can I do to increase my chances of getting a call canter job? Associations and Alumni Groups Associations and school alumni groups are very effective for networking, and often their websites have job postings for members.

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