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.
10 budget-friendly ways to score new tech
Technology is notoriously expensive. Regardless of your alliance with team Apple or team Android, the next big release will usually come ready to break your bank. Sometimes upgrades are necessary though, and when they are, you want to get the best deal. Find out how to save on tech purchases with these tips. (Buzzfeed)
Want to date someone at work? Here’s what to consider first
Some of TV’s best love stories happened between coworkers. The Office gave us Jim and Pam, Parks and Recreation brought together Leslie and Ben, and so forth. But like with most things that come out of Hollywood, the real world works a bit differently, and you should probably think twice before sparking up an office fling. (The Everygirl)
What to do before and after being laid off
If you work in media, the last couple of weeks have probably been somewhat scary with layoffs happening all around the industry. Unfortunately, layoffs can happen to anyone at any time and for any number of reasons. Hope for the best, but prepare for the worst by knowing what to do if you think your job is on the chopping block and how to handle it after you’ve been laid off. (Lifehacker)
How the sexes tackle Valentine’s Day gifts
As Valentine’s Day approaches, you may be shopping around for something to impress your significant other. Recent surveys have revealed just how much people are spending on V-Day — and whether or not that’s too much. But according to this survey, your gender could predict the price of you and your sweetheart’s holiday. (New York Post)
8 sleep tricks that really work
If you have trouble falling asleep at night, that restlessness can really cost you. The importance of a good night’s sleep cannot be overstated — sleep improves all of your body functions, especially your brain. Check out these tricks to help you get a better night’s rest. (MoneyTalksNews)
Nearly half of older Americans don’t have wills or estate plans
When Aretha Franklin died this past summer, many were shocked to find the Queen of Soul left no will. But according to this study, she was far from being an outlier. You might not be ready to make plans for after your own death, but it could be an important conversation to have with your older loved ones to make sure things are taken care of when they’re gone. (The Street)
In a world bogged down by negativity, it can be incredibly difficult to always look on the bright side. However, there are a number of things you can do to help keep your spirits up. These hacks are backed by science to help you beat the blues. (Bustle)
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 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 2.47% APR (with Auto Pay) to 6.97% 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 Month/Day/Year, 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 08/21/18. 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 firstname.lastname@example.org, 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.
2 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.
3 Important Disclosures for SoFi.
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 2.28% effective October 10, 2018.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.47% – 6.97%1||Undergrad & Graduate|
|2.47% – 6.99%3||Undergrad & Graduate|
|2.68% – 8.96%4||Undergrad & Graduate|
|3.23% – 6.65%2||Undergrad & Graduate|
|2.61% – 7.35%5||Undergrad & Graduate|
|3.00% – 9.74%6||Undergrad & Graduate|