Most people understand the importance of going to college; however, upon arrival many students will quickly discover that they are going to need to find a job to cover their living and entertainment expenses. Jobs for college students do not pay a lot of money, but students do not need to make as much money as most of them believe. fjallraven kanken backpacks uk Even though a lot of these jobs do not pay a lot, many of them offer other benefits to their employees. Retail Stores Many college students discover that working at a retail store, whether it be a grocery store or a clothing store, is relatively easy work. All that the management really expects is for them to have a positive attitude, show up on time and assist the customers. While these jobs typically do not offer commission or any kind of great pay, most of them offer some extra incentives. Asics Gel Lyte 3 For example, many clothing stores will allow the employees to buy their stylish clothes for a substantial discount, so the employee will feel like they are making more money. This actually works out better, because the student will not have to pay income tax on the clothes. nike air max 90 pas cher Bars and Restaurants Students who have an out-going personality and enjoy conversing with others should consider applying for a job at a restaurant or bar. Scarpe Nike Store Employees will work a little harder in these jobs than they would in a typical, minimum wage job, but the tips can be very good. It is typically easier to get a job serving at a restaurant than it is at a bar, since bartenders typically have more responsibilities, but servers can typically work their way up. Another nice thing about working for a bar or restaurant is that everyone enjoys being in this atmosphere anyway, and this will allow them to get paid to do so. Joe Montana College Jerseys Sales College students may also have an opportunity to work in certain sales job, with electronics being the most popular. Students will be able to work around and learn about the technology they love, but they will also have the ability to earn a commission on their sales. A lot of these stores will also give their employees a really good deal on electronics, such as cell phones. Nike Air Max 1 Heren zwart Receiving a cell phone and plan for a few dollars per month can make this job an excellent option. Chaussures Asics Pas Cher Internet Students who are really motivated and good at time management could start an online business. One of the most popular options is freelance writing, because it does not require any financial investment. Goedkoop Nike Schoenen If students want to invest a little money, they could buy some products and sell them online. cheap fjallraven kanken The possibilities for working on the Internet are endless, but it takes the right personality to be successful. These are just a few options for college students to choose from. Adidas Yeezy 350 Heren The key thing for students to remember is that they need to determine what type of work sounds the most appealing.
A 45 year old man working a typical 9-5 job might be thinking more intensely about saving for retirement than a 21 year old that just landed his first full time job with benefits. At the age of 21, he might start contributing 4% of his income to his 401k with a more aggressive market approach. His 45 year old neighbor is struggling tirelessly to contribute 10% of his pay with a much more conservative approach. They both share one common interest: saving for retirement.
How much should an individual really save for retirement, and what is the ideal contribution to a company match plan? Many people have relied on and researched retirement planning calculators on the internet for years. The majority of these will calculate a percentage of income that one should be saving and deliver a figure that will support his/her lifestyle in 40 years. The calculator doesn’t take into consideration what everyone’s standard of living will amount to then. The sum of money that an individual should save for retirement doesn’t rely on income; it relies on money spent. A man could make $60,000 a year, but his current lifestyle requires an annual spending figure of $80,000. Another might bring home $80,000 a year, and his current lifestyle requires only $40,000. Should they both contribute the same amount to their 401k? Not likely.
Calculating a substantial amount of savings for retirement relies on evaluating an individual’s current spending and determining the standard of living he/she wishes to uphold at retirement. The retirement calculators that are based on income are not completely worthless. They provide a valuable resource for determining a figure of funds that will be saved after a number of years. Before utilizing these calculators, the individual must determine the ideal amount to save. This number will be derived from deciding how much to spend at retirement. Will they live lavishly, or will they live comfortably? Once a decision has been made on how much they want to spend in 40 years, then they can decide what to save. If the current budget does not allow for that level of spending, then they must discover other ways to save.
Here are a few frugal tips on saving money now for the future:
Stay healthy. One of the leading money guzzlers in retirement are health expenses. Prescription medications, knee replacements, high cholesterol, and cancer all come with a hefty bill. Regular physical activity and proactive health precautions may reduce these expenses.
Make friends with the neighbors. Retirees benefit from friends and family. Several people are willing to lend a helping hand to a senior citizen; a solid relationship will open this door.
Weatherproof the home. Energy costs are rising every year, and they might only increase in 20-40 years. Visit a local home improvement shop to find sealant for windows to prevent cold winter drafts. Ask about clearance items during the contrary weather season.
Being frugal will allow the individual to contribute much more to their company match plan for retirement.
E-Trade is highly recommended in today’s world of Internet and online stock trading. Many business publications have also given E-Trade high marks. Deciding which online brokerage firm to trust with investment money is a decision that should be researched, and chosen according to the broker’s reputation and services.
What E-Trade Offers Investors
Originally, E-Trade was an online stockbroker business that offered discount executed trades, and that was all. Today, it has become a brokerage firm that offers a full line of services to its clients who are looking to invest their money wisely. E-Trade handles the buying or selling of stocks for its customers, offers expert advice, and up-to-the-minute business news relating to stocks, and a varied list of features.
E-Trade For Beginning Traders
While well-suited to the active, experienced investor, E-Trade is also popular with beginning investors who might have only a thousand dollars to risk. The more active an investor becomes, the lower the commission rates. Becoming an investor is relatively simple. It requires an investor open an account, and fund it with at least $1,000. Once the money is credited to the investor’s account, trading is allowed.
How To Make A Trade
Buying and selling stocks, or making a trade, as it is commonly referred to, is in real-time. A first-time investor simply goes to their personal Accounts page, and follows the directions. Commission rates range from $6.99 to $9.99. An investor will be charged for each trade that is placed. Many times, the commission rate varies, depending on the balance of the trading account, and how often the investor places a trading order during a three-month period. The investor is responsible entirely for the buy and sell orders for stock in the investment account, as well as the choice to buy or sell bonds, futures, options or mutual funds
Products and Services of E-Trade
The services that E-Trade offers online are abundant, and comparable to much larger brokerage firms. E-Trade also offers convenient banking transactions, such as secure savings accounts, aside from trading accounts. The company also offers a wealth of references for investment research. Training seminars, and financial planning services are offered free of charge. E-Trade also offers offices in 16 states throughout the United States, if an in-person visit is preferred.
The Positives of E-Trade
While there is always up-sides and a down-sides to choosing a brokerage firm, one of the pros to using E-Trade is the easy access that common, everyday investors have to foreign markets, and the wide range of investment tools available. Also, E-Trade offers 24-hour telephone support for questions or concerns that can arise after markets close. E-Trade apps for smart phones are also reliable and easy to use.
The Negatives of E-Trade
There are also down sides to E-Trade, being that there is no live chat feature available on the website, and there are more features available to active traders than beginning traders. The fees and commissions are also higher the fewer trades an investor makes, encouraging the trader to risk additional money.