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Verizon Increases Its Value by Being the First in The World to Connect to 5G + How to Increase Your Value

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Verizon has increased its value by becoming the first carrier in the world to connect its wireless customers to 5G, after it enabled the next generation network ahead of schedule in some Chicago and Minneapolis neighborhoods. The move puts the U.S. ahead of South Korea, which had hoped its three wireless carriers would be the first to flip the 5G switch. The caveat? Using Verizon’s service requires people to have last year’s Motorola Moto Z3, with an attachment that’s sold separately. The Samsung Galaxy S10 5G will be available in the spring.

So how do you increase your personal value? The best way I know is to get a second job or start a business. If that doesn’t do it, then it may be time to trim down on your expenses. Life can be tough financially and the cheaper you can live the better off you will be in the long run. So instead of increasing the amount you bring in try decreasing the amount you pay out.

This will take some sacrifice and discipline but will be worth it. Once you trim the fat and then get used to living this way you will see that you really did not need all those things anyway. People are learning that bigger is not always better because the old saying still holds true, “the bigger they are, the harder they fall.” translation:, The more expenses you hold on to the easier it is to fall flat on your face, but it won’t be a soft fall.

So, where do you start? Well, start by writing down all of your current expenses on a sheet of paper or start an Excel worksheet in your computer. Now comes the hard part, start slashing. Be honest, do you really need all those cable channels when you barely watch anything but the local news? Just get rid of the extended channels and get down to basic cable. You can always get the other channels back when more money is available in your budget.

Mortgage payment too high? Refinance your loan if you can or take in a roommate if you have an extra room so you can earn more money and have some rent coming in.

Netflix and chill instead of going out to the movies. A family of four can go to the movies for right around $70. If you search new releases on Netflix, Hulu, or Amazon Prime and buy microwave popcorn and pop at the grocery store, you could probably save yourself a good $45-$55.

It is the same with going out to eat, learn to cook for yourself and your family. It is not hard to do, and your waistline will thank you for it. If you have to eat out, then make a pact that you will only eat out if you have a coupon to use.

Check your local paper for free entertainment in your area too.

Save money by shopping cheaper and by cheaper I mean by what you pay not the quality of the clothing and food. Shop online too, you usually can save quite a bit of money, especially if you can get free shipping.

Pay yourself first with every paycheck but do not go overboard. Make sure you have enough to get you through the week but keep things basic. Do you really need that Starbucks coffee every morning? Make your own at home.

There are some great suggestions here to help you save money so that it will seem like you earn more money and have more money to apply to bills and debt… What are some other ways you can increase your value?

Ash Exantus aka Ash Cash is one of the nation’s top personal finance experts. Dubbed as the Financial Motivator, he uses a culturally responsive approach in teaching financial literacy. He is the Head of Financial Education at BankMobile and Editor-in-Chief at Paradigm Money. The views and opinions expressed are those of Ash Cash and not the views of BankMobile and/or its affiliates.

The Daily Digm (News)

Amazon has 30,000 Jobs they Need to Fill + How the Gig Economy is Making it Hard for Them to Fill

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Amazon has more open jobs than ever before. The company is attempting to hire 30,000 permanent employees in the U.S. alone. The jobs are spread out across departments and at locations throughout the country. Filling them is an especially tall order in such a tight labor market, with unemployment hovering near a 50-year low. To get started, the tech and retail giant will hold job fairs on Sept. 17 in six cities: Arlington, Boston, Chicago, Dallas, Nashville and Seattle.

Jobs may be so abundant because of the growth of the gig economy that allows people to work where they want doing what they want. Gig economy jobs continue to grow in popularity in the U.S., accounting for at least 5% of the workforce. So how do you fully take advantage? Moneyish.com recently wrote an article titled: The secret to making $115 an hour in the gig economy

In the article they give us 10 best fields for gig workers based on pay and job availability:

Artificial Intelligence – Deep Learning: $115 per hour
Blockchain Architecture: $87 per hour
Robotics: $77 per hour
Ethical Hacking: $66 per hour
Cryptocurrency: $65 per hour
Amazon Web Services Lamda Coding: $51 per
Virtual Reality: $50 per hour
React.JS Developers: $41 per hour
Final Cut Pro Editors: $37 per hour
Instagram Marketing: $31 per hour

The first trend you might notice is that this list is dominated by tech jobs. Gavin Graham, the special projects editor for FitSmallBusiness.com, says this is because these types of jobs lend themselves well to the gig economy and are growing fields that pay well.

So what exactly do people in the no. 1-rated artificial intelligence-deep learning field do? “They help develop “the technology that drives the ability of artificial intelligence to ‘learn’ and adapt,” says Graham. “Jobs in this field include developers who code the underlying algorithms using tools and programming languages, such as MATLAB, Python, Java, C++, Tensorflow, etc..,” he adds.

One possible surprise on the list: Instagram marketing. It lands on the list because job growth has been very rapid, he explains. While many companies have worked on Facebook and Twitter marketing, their Instagram platforms are less developed — and in need of help.

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Ariana Grande sues Forever 21 for $10 million + How to Protect Yourself From Those Trying to Steal Your Identity

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In a complaint filed on Monday, megastar Ariana Grande said Forever 21 and Riley Rose misappropriated her name, image, likeness, and music, including employing a “strikingly similar” looking model, in a website and social media campaign early this year.

She said this followed the breakdown of talks for a joint marketing campaign because Forever 21 would not pay enough for “a celebrity of Ms. Grande’s stature,” whose longer-term endorsements generate millions of dollars in fees.

This is a classic case of identity theft and while we can’t sue identity thieves for $10 million dollars, there are some practical ways that we could put ourselves less in risk. Here are four ways to protect yourself:

1. Change your password – I know it can be annoying to have to change your password or remember a new one, but it is important that you stop hackers dead in their tracks. Change your password regularly and make sure you include a variety of symbols, so hackers have a tough time guessing what it is.

2. Create a different username and password – Instead of using your Facebook login for all sites, create separate usernames and password per site. This way the breach doesn’t come from another third party, and you can better protect your account.

3. Set up two-factor authentication – Add another layer of protection to your account. Two-factor authentication It is a setting in Facebook where you can choose either text message codes or a third-party authentication as your primary security method. This way you know when someone is trying to do something fishy with your account.

4. Delete your personal info – The next time you log onto Facebook, take the time to delete some of the more personal information you have shared to reduce your risk of exposure in future attacks.

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SATs Keeps its Same Scoring Model + A Scoring Model You Better Undertand

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The SATs are changing course following backlash over a plan to assign an adversity score to every student who takes the exam. The original adversity score was made up of ratings for the student’s school and neighborhood environments and was intended to capture the obstacles a student might have overcome. Critics said over-eager parents could use the score to game college admissions. Instead, the College Board will use a different system in an attempt to capture a test taker’s social and economic background. For many SAT scores can make the difference in so many lives but what other score affects your well-being?

Many people are aware of the important role the credit rating plays in their lives. However, understanding what goes into a credit score (the credit score breakdown) might present some difficulty. There are several different methods of scoring, but most lenders and banks rely on the FICO method that has been in existence since the 1980s when it was developed by the Fair Isaac Corporation. The three prominent credit bureaus (TransUnion, Experian, and Equifax) all worked with Fair Isaac to come up with the FICO algorithm.

Your credit score may be any number from 300 to 850. The average American falls at about 690, which is deemed relatively good credit. However, while this score should secure you a loan, it will not get you the very best interest rates on loan. In fact, 300-640 = Bad Credit, 641-680 = Fair Credit, 681-720 = Good Credit, and 721-850 = Excellent Credit. Excellent credit should be the aim.

Following is the credit score breakdown:

Payment History

The biggest chunk of your score (35%) is derived from your payment history. This score is influenced by how well (or not) you pay your bills on time, how many have been sent to collection agencies, bankruptcies, tax liens, etc. Keep in mind that missing a payment is worse than making a late payment and that being late or especially missing a mortgage payment is a bigger blow to your credit score than missing a credit card or utility payment.

Usage Ratio

The amount of debt you have (compared to the amount of credit you have not used) accounts for 30 percent of your score. Try not to max your credit cards out. In fact, it is recommended that you only use 25 to 50 of the credit that is available to you. A way to balance this out is to obtain more lines of credit and not use them. However, you do not want to apply for a bunch of credit cards all at once as this is marked against you. If your credit is in good standing, apply for a reputable card every six months or so and save it for a rainy day.

Length of Credit History

Fifteen percent of your credit score is based on how long you’ve established credit. This is common sense. The longer your credit history, the better your overall score will be. More data about your past leads to a more accurate prediction of your future credit worthiness.

Credit Mix

Having several types of credit will actually boost your score if they are managed well. This counts for 10 percent of the overall rating.

New Credit

As mentioned earlier, opening new credit accounts all at once will negatively affect your score in the short term. It’s also important that you are aware that your score can be lowered for too many “hard inquiries” about your status. A “hard inquiry” is one that you have authorized a lender to perform. If you are inquiring about your own score, this will not count against you.

Understanding what goes into the credit score breakdown is the first step in improving your score and what will allow you to design your score and begin you on the journey to financial freedom.

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