With life’s busy schedule, it’s hard for most of us to dig through all the information thrown our way. Each week we scour the media universe to find the most interesting and helpful articles so you don’t have to. Take a look at what we’re reading this week.
When is a ‘small’ purchase still not worth it?
Saving money takes a lot of different forms, but often people will only cut back on bigger expenses. On the flip side, it’s not news that the small purchases like coffee or lunch add up quicker than most budgeters realize. Check out this guide for navigating which small purchases you can really ditch and which ones you shouldn’t feel guilty about. (Lifehacker)
Working with recruiters *can* help you if you do it right
Some job-seekers may be familiar with LinkedIn recruiters sliding into their inboxes with “the best” opportunity that they are “perfect” for. With messages like these, it’s easy to fall into a job that seems great at first but quickly sours on you. Read this guide for how to work with recruiters in a more productive way and get the right job for you. (Girlboss)
Here are some steps to take when your paycheck is stopped
If you’re one of the thousands of government employees furloughed or working without pay during the government shutdown, your finances could be in jeopardy. Hopefully the shutdown won’t last much longer, but here are some important steps to take while money is tight. (Washington Post)
8 small, realistic ways to save money during the workweek
Many articles offering financial advice fail to keep their tips grounded in reality. The truth is, sometimes you can’t afford to save in the ways they advise. These tips try to mediate that by offering solutions that just about anyone can do — you might be doing some of them already! (My Domaine)
7 fitness trends set to explode this year
If you’re already struggling to keep up with a New Year’s resolution to get in shape, perhaps you should try a new routine. Experts have predicted these fitness trends will take off in 2019. While popularity doesn’t equal success, it might motivate you to join a session all your friends are attending. (Bustle)
24 ideas for your next small business in 2019
Thinking about being your own boss? According to this report, over 20 million Americans own their own businesses. If you want to run the show but aren’t sure where to start, check out this list for some inspiration. (The Street)
How to make an initiative and follow through
Having an idea is great, but it’s not enough if you don’t act on it. If you second-guess yourself or wait too long, then someone else will soon enough have the same idea, and you’ll be left saying, “That could have been me.” Get motivated to make moves with this guide for taking the initiative. (The Everygirl)
Interested in refinancing student loans?Here are the top 6 lenders of 2019!
|Lender||Variable APR||Eligible Degrees|
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for SoFi.
2 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on ourstudent loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
3 Important Disclosures for Laurel Road.
Laurel Road Disclosures
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.54% – 7.12%3||Undergrad & Graduate|
|2.54% – 7.27%1||Undergrad & Graduate|
|2.67% – 8.96%4||Undergrad & Graduate|
|3.23% – 6.65%2||Undergrad & Graduate|
|2.69% – 7.43%5||Undergrad & Graduate|
|2.98% – 9.72%6||Undergrad & Graduate|