Pros and Cons: Personal Loans with No Credit Check

Do you need quick cash? Loans can be extremely beneficial, especially if you have debt in various places. Reasons to consider a personal loan include debt consolidation, big purchases, and unexpected financial costs.

You can use a loan to pay for wedding expenses, big moves, house repairs, or medical bills. Most loans are approved based on creditworthiness. If you don’t have time to improve your credit score, you can apply for a personal loan without getting your credit history checked. It may not be a wise idea, but it is possible.

Various online loan providers will approve your loan application without viewing your credit score. Some require collateral to minimize the lender’s risk. Many include high interest rates. We breakdown the reasons for choosing personal loans with no credit checks and offer alternatives to ensure that you are getting what you need while protecting your financial health.

Pros and Cons to Personal Loans with No Credit Checks

The only benefit to a personal loan with no credit check is that they are fast. If you are a borrower living paycheck to paycheck, with bad credit, and in need of fast money, this type of loan seems ideal. Personal loans without credit checks are essentially a form of short-term bridge financing. The problem is that these loans are very expensive and can be a long-term problem.

Here are some of the many cons to personal loans that don’t require credit checks:

  • Lenders raise their rates to account for all applicants. A lender may approve your application without viewing your credit history, but to ensure that they aren’t putting themselves at risk, they often provide very high interest rates, making it almost impossible for borrowers to pay them off. You could end up paying more than 100% APR.
  • The loans often require a minimum loan amount. If you are in need of a smaller dollar amount to secure your monthly rent fee, you might want to consider alternative options to personal loans. Loans from providers like Capital Good Fund offer anywhere from $ 300 to $ 20,000 in loans.

Comparable loans include payday loans and auto title loans. According to the Pew Charitable Trusts, over 80% of payday loan borrowers don’t have enough money to pay their payday loan payments. Payday loans are quick, small amount loans that are due quickly. Typically, these loans are $ 500 or less and they come with high interest rates and additional fees. Auto title loans, in contrast, use your vehicle as security or leverage in order to get fast cash. Make sure you read all terms and conditions before you secure a loan.

If you can afford to wait and apply for a personal loan that checks your credit even if it’s bad credit then you will likely get a better loan. Even individuals with low credit can get approved for alternative loans.

Alternative Types of Personal Loans

Consider what type of loan you really need. Alternative types of loans include home equity loans, student loans, and secured and unsecured loans. Secured and unsecured personal loans are better than personal loans with no credit checks. Here are the major differences:

  • Secured personal loans require collateral. Secured loans include auto loans and mortgages. One of the benefits of secured personal loans is that when you put an asset up for collateral, you have a better chance of getting a lower-interest rate. Even though the lender could take away your assets if you don’t make your payments, these are great loan options for anyone in need of significant funds, who are sure they can repay the loan to avoid asset forfeiture. Car title loans and payday loans are both considered secured personal loans and we recommend avoiding them.
  • Unsecured personal loans don’t require collateral. When you don’t offer collateral, lenders typically raise interest rates on loans that get approved. A few perks to unsecured personal loans is that the process is quick and you can get a loan without risking a personal asset.

Personal loans can be used for various reasons, including debt consolidation. A loan provider can approve your application, combine all of your debt into one account, and charge one monthly payment. Often, loan interest rates are lower than credit card interest rates which is why you would typically rather pay off a personal lender than a credit card company.

Installment Loans

Unlike revolving lines of credit, which come with credit cards, installment loans require predictable payments. When you take out an installment loan, you know how much you owe and when it is due. Auto loans, personal loans, mortgage loans, and student loans are all considered installment loans.

The perk of an installment loan is that it is easy to pay off in a set amount of time. The negative is that you can’t change the amount you’ve asked for once you’ve been approved so you have to make sure you ask for the right amount at the beginning. This can be difficult to calculate when you are considering a personal loan. What if your wedding expenses increase? What if the home remodel costs more than you expect?

If you take out more than you need, you could end up paying more in the long run. Make sure you are conservative when you apply, and do your best to calculate the exact fee as best as you can. If, for instance, you already plan to spend extra on a DJ or a weekend trip, then add that into your loan request.

personal loans no credit check

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What to Consider Before Applying for a Loan

Before you start shopping for a loan, think about your long-term goals. Would you like to be debt free in five years? Would you like to buy a new home for your family? Do you want to start a business? Are you prepared to pay off loan debt? Many factors should go into your decision to choose a personal loan.

As you begin shopping for personal loans and comparing lenders, consider the following:

  • Your budget flexibility. If you need to add a new expense to your budget like a wedding, a new vehicle, or a medical bill, you should consider your budget. Can you afford to pay for this unexpected cost upfront? Do you have time to save up? Do you need the extra cash right now?
  • How much money you really need. If you need a loan to pay for something, calculate exactly how much you need. You don’t want to ask for too much or too little.
  • How quickly you need the money. If you need the money within a few days, you can get quick approval for an unsecured personal loan. Some are approved within 24 hours.
  • What type of lender you prefer. For personal loans, there are three types of lenders: (1) credit unions, (2) banks, and (3) online lenders. They all have their pros and cons. Consider which one makes the most sense for you and your needs.
  • What financial goals you hope to achieve. You don’t have to aim for millionaire status. A financial goal can be as simple as saving for retirement, opening a 401k, funding your passion project, or getting your child through college without student loans.

Best Loan Providers for Bad Credit

Finding the right loan provider is just as important as choosing the right personal loan. If you have good or excellent credit, you will likely get approved for a personal loan within days. If you have bad or poor credit, you can still get approval. However, your loan will likely have high interest rates, but this is better than choosing a personal loan that does not require a credit check.

Here are the best online loan companies for individuals with bad credit:

OneMain Financial
Best for repayment options

You can borrow an unsecured loan for $ 1,500 to $ 20,000 with various repayment options, anywhere from 24 to 60 months. APR range varies depending on the borrower’s credit score. You could get as low as 18% or as high as 35.99%.

LendingClub
Best for bad credit

You can get up to $ 40,000 in loans with Lending Club, but make sure you pay attention to the interest rates. You could get a low interest rate or you could end up paying 35.89% APR. One of the best perks to LendingClub is that they allow you to make extra payments outside of your monthly balances, allowing you to pay your loan off early.

OppLoans
Best for optional personal loans

Borrowers with bad credit can apply for personal loans from OppLoans. Bad credit scores are considered 630 or below. Though the interest rates will be really high, you can get access to the funds you need from OppLoans. Because individuals with bad credit are considered risky borrowers, interest rates can be as high as 199%.

You can also get personal loans approved from credit unions and banks. If you already have a bank account with a national bank, you can ask about their personal loan options. Your bank might choose to offer you a signature loan which essentially relies on your signature to prove that you can pay off your loan. Perks of choosing your own bank for a loan is that you might be able to avoid extra fees and get benefits. Just make sure the loan offers fit with your needs.

How to Get a Personal Loan with No Credit History

If you are in need of funds, for whatever reason, but don’t have a credit history, you can still get approved for a starter loan. You can either use a co-signer, apply for a personal loan with no credit check required, or apply for an unsecured personal loan.

If it is your first time building your credit history, you should do your best to pay off your balances or payments every month and ensure that you are paying on time. If you keep a low or no balance and you maintain automatic payments then you can quickly build up your credit which will inevitably give you easier access to loan options.

Optional Ways to Improve Your Credit Score

According to Talaat and Tai McNeely, co-founders of His and Her Money, “Financial freedom is not going to happen overnight. You didn’t get into financial bondage overnight, and you’re not going to achieve financial freedom overnight either. But you can achieve it if you stay consistent.”

Consistency can help you build your credit history and improve your credit score. The are many ways to build credit. You can apply for a personal loan and consolidate your debt and you can have your loan provider focus on credit reporting so the three credit bureaus are updating your history.

Here are some of the easiest ways to increase your credit score:

  • Pay all of your bills and payments on time. This includes your electrical bill, your cell phone payment, your credit card balance, and your personal loan payment. Schedule these payments so you never miss them.
  • Keep your balances low or eliminate them completely. If you have credit cards, you want to make sure that you are paying off your balance or keeping your balances low. The best way to do this is to pay more than the minimum balance and ensure that your balance is less than 30% of your credit limit.
  • Monitor your credit score. Avoid hard pulls, when possible. Hard pulls are often made by employers, credit card lenders, or loan providers. When you close a credit card account, for example, it can impact your credit score so it is better to just leave it open even if you aren’t using it. Soft pulls don’t impact your score. You have the right to a free credit report once a year but some providers offer more.
  • Pay off your debt. This may seem self-explanatory but 300 million Americans have debt, according to a 2018 study. Paying it down is difficult but possible and the quicker you pay it down, the more likely your score is to rise.

If you have the opportunity to increase your credit score before applying for a personal loan, you should. Though personal loans with no credit checks are available, the best ones check credit scores and if you have good credit, you have a better chance of getting a lower-interest loan.

Why You Should Avoid Personal Loans with No Credit Check

If you can get approved for a secured or unsecured personal loan, it is a better option than a personal loan with no credit check. The terms and rates of a personal loan with no credit check are often impractical and absurdly high, making the debt that much more difficult to pay off so make sure you do your research.

Instead of applying for a no credit check personal loan, apply for a bad credit personal loan which will have high interest rates but not as high as no credit check ones. If you have time, work on improving your credit history and paying off debts before applying for any loans.

Money | Black Enterprise

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No Emergency Fund? A Small Personal Loan May Be the Answer

An unexpected expense can be a major hurdle for many Americans. According to the Federal Reserve Bank, 40% of adults would not be able to cover an unexpected $ 400 expense without having to sell something or borrow money. And, over 25% of adults have skipped necessary medical care because they wouldn’t be able to afford the bill.

When it comes to relatively smaller expenses (i.e. not a mortgage, new car, or student loans), a small personal loan can make expensive surprises more manageable. Is a small personal loan the right option for you, or is there a better choice?

Who Can Benefit from Small Personal Loans?

If you don’t have emergency savings ready in the event of a car breakdown or some other costly event, then borrowing money may be the only way to cover your costs. A COUNTRY Financial® Security Index survey found a quarter of women, a quarter of African Americans, and over 35% of participants making under $ 30,000 per year were not confident they could pay their monthly bills within one month of losing their job. This means many people are living without emergency savings.

A small personal loan can cover a sick pet, a new washing machine, or even a major dental procedure for those without the extra cash on hand. It can also be a more cost-effective way to consolidate credit card debt.

How Much Money Can You Secure with a Small Personal Loan?

Lenders typically offer small personal loans of $ 5,000 or less. These loans are meant to be paid off within two or three years.

Since banks make money from interest, they would rather offer a loan to a person who wants to borrow much larger amounts of money. However, you can still find lenders willing to offer smaller loans.

Secured vs. Unsecured Personal Loans

What is the difference between a secured and unsecured personal loan? The answer is a lien. A lien is collateral, or an asset, such as a house or car, that the lender can take possession of if the loan can’t be paid. Many small personal loans are unsecured, so they don’t require collateral.

Fixed-Rate Loans

Most small personal loans have fixed interest rates, so the interest rate won’t change over the course of the loan. This keeps your payments predictable, though rates may be higher.

With variable-rate loans, you’ll only pay interest on what you borrow if you don’t borrow the full amount in your line of credit.

financial emergency

(Photo by Rob on stock.adobe.com)

Where Can You Find Small Personal Loan Lenders?

You can secure small personal loans through a number of institutions and organizations.

  • A national bank or “black bank” that serves African American communities
  • Your local credit union
  • Your employer (some employers offer employee loans)
  • Online lenders
  • Your local, nonprofit Community Loan Center

It’s best to use caution when searching online lenders since you’re more likely to find predatory lenders online than at your local credit union. In fact, online lenders are reported to charge higher interest rates on minorities, making 11 to 17% more in profits off minority borrowers. Companies like LendingTree or Lending Club are popular, but picking a lender requires much more due diligence.

While more banks are starting to offer small loans, a credit union is often the best option for access to small loans. Why credit unions? Unlike banks, credit unions are not-for-profit organizations owned by the members who use their services. Banks may ask for larger collateral to ensure loan repayments (e.g., your home or car), but credit unions make loans more accessible. Because they are not-for-profit, you’ll often find more reasonable interest rates. In addition, credit unions may be more likely to lend to individuals with lower credit scores.

However, not everyone is a member of a credit union, and you must be a member to qualify for a loan. Your research should include all available options to find the best loan.

Can You Get a Small Personal Loan If You Have Bad Credit? 

One of the biggest barriers to securing a loan is a bad credit score. Without good credit, a bank can’t be confident the borrower will repay the loan in full, if at all. Is it impossible to get a small personal loan with bad credit?

Not necessarily. A bank won’t be the easiest place to secure a personal loan with bad credit, but you can find online lenders who market to borrowers with a credit score of say, 550. Companies like MoneyMutual and CreditLoan.com offer short-term, small personal loans to borrowers with bad credit.

It’s important to remember the worse your credit score, the higher your interest rate may be on the loan. Before we speak to good payment habits, let’s first make sure you pick the right loan.

What to Look For in a Loan

When you shop for a loan, you should look for the following features:

  • Low-interest rates
  • Low origination fees (i.e., processing fees for a new loan)
  • Low monthly payments or longer repayment terms
  • Loans unsecured by collateral (if your credit is good)
  • Warning signs of predatory behavior
  • No hidden fees

What Are the Warning Signs of Predatory Lenders?

As you do a Google search for online lenders, you may find companies that guarantee a loan in return for a fee to be paid in advance. These advance fee loans are scams that should be avoided at all costs. No loan is absolutely guaranteed, and knowing this can help you avoid falling prey to bad practices.

How to Qualify for a Small Personal Loan 

Lenders will need specific information about your financial situation to determine if you are a “safe” borrower. As you apply for loans, you may be asked to provide:

  • Credit score
  • Employment information
  • Possible collateral
  • Bank account information
  • Proof of income or your last pay stub
  • A driver’s license or another form of identification
  • Credit union membership if applying through a credit union

If you meet the criteria set by the lender, you should prepare the documentation and send an application. Once your application is sent and approved, you can begin your repayments.

Best Practices for Repaying Your Loan

Repaying your small personal loan on time will not only keep missed payments from compounding, but it will also help your credit score. Healthy financial choices will help you pay off your loan faster.

  • Keep a Calendar—The best way to make sure you don’t miss a payment is to keep a calendar or set payment alerts to your phone. When life happens, it’s easy to forget about due dates.
  • Pay Online—If you have a checking account, then it’s more convenient to make payments and check your balance online.
  • Pay Extra—No, not more than your loan amount. Pay a bit more than your minimum payment each month (if possible) to pay off your loan faster and avoid more interest.
  • Make Payments More Frequently—Instead of paying one large sum each month, use a percentage of your bi-weekly salary payments to make smaller payments more frequently.
  • Ask for Help—A debt counselor can help you manage your debt and pay off your debts faster. If you need more time to pay off your loan, ask your creditor if a longer repayment term is possible. There’s always help available.
small personal loans

(Photo by DragonImages on stock.adobe.com)

Alternatives to Small Personal Loans

The Pew Research Center reports African Americans are more likely to borrow and lend money from/to family and friends than white and Hispanic Americans. Whether it’s less access to loans or trust in community over banks, African Americans are more likely to find alternative ways to secure capital.

Though, are all alternative options reliable? Is financing in the form of a payday loan a better option than a small personal loan? Are credit cards a better option? And what other options exist?

What Are Payday Loans?

Payday loans are very small, high-interest loans that assume the borrower will repay the loan at the time of their next paycheck. Nearly anyone can get a payday loan, including borrowers with bad credit.

These loans are commonly maxed at $ 500, and full repayment is typically due within two to four weeks. They can be repaid using regular income or your social security or pension payments.

When you get a payday loan, you can authorize an electronic debit or write a post-dated check up front for the amount of the loan (and any fees) and give it to the creditor to be withdrawn or cashed on the loan’s due date.

However, this type of loan is not legal in every state, and there are many reasons why you shouldn’t consider one.

Payday loans generally ask for a $ 15 to 30 fee per $ 100 borrowed. In addition, if you opt for the check or electronic authorization not to go through on payday, then that amount will roll over to the next month and grow interest. It’s not hard to see why this is seen as a predatory loan, since many people who need small personal loans are already tight on cash each month. Add growing interest each month, and you could end up with an even larger amount of debt.

Small Personal Loan or Credit Card?

The two may not seem so different at first; both borrow money or credit and pay it off on a certain date with corresponding interest rates. However, there are very important differences to consider.

Credit cards are extremely convenient, and secured credit cards can help those with poor or little credit build their credit score. However, credit cards typically have higher interest rates than personal loans.

You should also consider that your credit card is still available even after you have repaid the debt. A small personal loan goes away. Depending on your financial goals and spending habits, that can be a good or bad thing. However, credit card accounts that are open and age over time help your credit score. And, many credit cards can give you helpful cash back rewards on certain purchases.

Other Ways to Secure Money

If you don’t want to borrow money and have debt in the back of your mind (especially if you already have student loan debt and other monthly payments), then you should consider finding assistance in other organizations. Nonprofits and religious organizations may be willing to help with certain finances depending on your circumstances. Speak to your employer, family, friends, and even the mechanic fixing your car to see if there is alternative financing, discounts, or flexible options for securing funds.

Shop Responsibly

If $ 1,000 or $ 3,000 is all you need to avoid a broken appliance or a worsening medical condition, then think about small personal loans you can repay in small increments over the course of a few years. While you shop, remember to look for the best rates and avoid offers that seem too good to be true.

Money | Black Enterprise

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Alabama commit Latrell McCutchin received personal letters from 7 different Tide coaches after knee injury

How do elite college football programs keep underclass pledges committed? By doing major market football program things like having every coach send a personal letter to a recruit of significance.

That’s precisely what Nick Saban and his Alabama coaching staff did for elite Class of 2021 recruit Latrell McCutchin, a four-star cornerback from LBJ High School in Austin, Texas.

McCutchin committed to the Crimson Tide in June, picking Alabama over hometown Texas in a decision that stunned many. McCutchin stayed committed to Alabama throughout the summer, but then suffered a torn ACL early in the Jaguars season and has been forced to miss the rest.

While he recovers at home, the Alabama coaching staff made sure McCutchin knows he’s not forgotten in Tuscaloosa by sending him seven different letters offering injury condolences and inspiration. All seven apparently arrived on the same day, and each was handwritten by a different coach (or someone mimicking that coach’s handwriting).

The gimmick clearly had its intended effect:

While McCutchin may be lacking time on the field, he’s not lacking attention off it. In addition to Alabama’s efforts, and continued attention from his hometown Longhorns, McCutchin has also added scholarship offers from Ohio State and Tennessee since the season got started earlier this month, per Touchdown Alabama magazine.

For now, every other program still takes a back seat to Alabama, and their efforts to remain in the field of vision of an injured player states away.

USA TODAY High School Sports

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Julián Castro Says His Criticism Of Biden’s Memory ‘Was Not A Personal Attack’

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A personal assistant to President Trump who had been with the administration since Trump took office, Madeleine Westerhout, abruptly resigned Thursday, reportedly after it was determined she shared private information about the president with reporters.
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Chris Cuomo Blasts Donald Trump On Immigration: Personal To Me, Should Be To You

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U.S. Personal Income And Spending Rise In Line With Estimates

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The Personal (& Professional) Benefits of Handing Off Lead Generation

Home improvement contractors who leave the time-consuming and ever-changing work of lead generation to third parties like Modernize can finally get around to bigger and better things.

To put it simply, it’s very unrealistic for contractors to actually find the time or wherewithal to do everything their company needs doing as it seeks to grow, from mastering marketing strategies and nurturing leads well to expanding your digital footprint and optimizing your homeowner data. And in the realm of lead generation, the minutiae gets so specific that even after having mastered it, its various corners will continue to evolve, requiring your attention once again (and then again after that).

There are many reasons to sign up with a company like Modernize to handle your lead generation, but a frequently overlooked reason is a world of opportunity that will open up to you now that you’re not sweating to generate new leads or close new business every day. Rather, you’ll be able to focus on what you’re best at doing, whether your expertise is in completing home improvement projects like solar, windows, roofing, HVAC, and so on, or generally assisting homeowners with existing infrastructure. And while you know best what your priorities are outside of that, here are some ideas to consider that can sweeten your personal time, enhance your professional aptitudes, and overall give you back some of your own time.

From time off to therapeutic activities, there is a lot you will be able to do for your own physical, mental, and social health with your new allowance of personal time.

Take Your Partner On Vacation — Or Hit It Solo

No, it’s not unreasonable to simply take a break. You’ve worked hard to reach a point where you can invest in the future. When doing so saves you slices of time you’ve been overworking to fill with lead generation, it’s okay to grab a friend or loved one and head off. Whether you rent a car and drive far away for a weekend or grab a last-minute flight to another country (or city you’ve always wanted to visit), low-cost and fun opportunities are out there specifically for this purpose.

And if you’re reluctant to go on a trip for purely personal reasons, think of a city or neighborhood whose home improvements (or homes themselves) have always intrigued you. Is there a place other than your city that might help you imagine new ways and ideas to bring back to work?

Learn Something New — For Free

From HarvardX (yeah, Harvard) to Coursera and Khan Academy, there are lots of services that offer you access to online classes in virtually any subject. Adjacent to your specialty, check out classes like Humanitarian Response to Conflict and Disaster and The Architectural Imagination. Sign up and immerse yourself in learning something brand new, just for you.

But an education like this is certainly not limited to personal growth. Courses like The Entrepreneur’s Toolkit and lectures like Entrepreneurial Leadership could help you better face your own work, whether in managing your projects or actually executing them. Finally, you might already know about local workshops or certifications that can further enhance your expertise or your ability to boast about it online. This is your chance to finally hunker down and sign up for one of those.

Go To a Trade Show

Conferences are popular in most industries, but most contractors don’t have time to attend them. In that sense, maybe more important is finding the time to implement what you learned at them and follow up on new things they exposed you to. Now, you could have time to prepare for, attend, and lean into the lessons you will learn from a trade show, conference, or exhibition either locally or regionally and specific to your trade.

References Are Everything — Go Get Them

You’ve got experience and it’s sometimes hard to translate that online. But with your time, you could contact your old clients, visit some of them to assess the longevity of your work, and see what they have to share about you. You could even construct a whole new referral program! From possibly (and of course with their permission) taking photos of those completed projects that you can finally add them to your testimonials tab online to actual testimonials you could throw online or share through social channels, revisiting your work could help you with creating a sustainable referral program and cycling new clients.

Connect with Manufacturers — They Might Be Waiting

Your work involves a lot of products and you are likely not making all of them. As you keep finding yourself a middle man between homeowners and the various products they’re buying (if they’re not buying them from you), consider using your newfound time to reach out to some of these manufacturers about potential partnerships. Maybe you find something interesting in a product you’ve always recommended and are able to get a cut of those sales, or maybe you’re mentioned on their very site as an expert in that product. Regardless of the specifics, harnessing new relationships with companies and people in the industry who are adjacent to your own work is nearly always a positive endeavor.

Time is The Most Precious Commodity

In 2019, the same old approach to home improvement lead generation is not going to cut it. The intrinsic value of turn to a company like Modernize for help in that regard is what you personally get from handing over the headache of lead generation to a third party that is fully dedicated to it. We keep ourselves busy learning the newest trends in lead generation, in Search Engine Optimization (SEO), in marketing strategies, in data analysis, and so on. As you know well about your specific field, mastering a craft means continuously learning about it and its emerging evolution.

It’s okay to not have time for that, and it’s okay to turn to Modernize so that you don’t need to find time for that. At Modernize, for example, we use the thousands of surveys homeowners submit to us to learn more about homeowner needs and challenges in the home improvement space — whether for solar, roofing, HVAC, windows, or other projects. Learn more about our most recent findings in the latest Homeowner Survey Index: Q1 2019. If you want to get back to focusing on what you do so that clients can better appreciate your work, consider a company like Modernize so you are no longer on the hook for leads—we’ll be here, staying ahead of the news and staying prepared to help you.

Take a load off! Let us handle your digital marketing strategy

The post The Personal (& Professional) Benefits of Handing Off Lead Generation appeared first on Modernize.

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Where Do You Draw the Line Between Personal and Private at Work?

woman peeking through white blinds

I recently heard someone note that “you are the guardian of the difference between what is personal and private,” and I thought it made a great distinction — and might be an interesting discussion here. What do you consider personal — and what do you consider private? Where do you draw the line, and how do you deal if someone wants to share more with you than you’re comfortable with (or wants you to share more than you’re comfortable with)? 

We got into this many moons ago with our discussion of how to deal with nosy coworkers, which only served to illustrate how much variety there is in the answer to this question — there, the reader wrote in with a question because she was a new professor and worried to attend a faculty picnic, noting

Not to sound shallow, but I don’t want to field questions about my personal life (i.e dating, engaged, etc) because it is really no one’s business. But with children & spouses/so’s running around, I feel as though it is inevitable. Age, too, plays a factor. I am by far the youngest faculty member…

For my $ .02, personal is stuff that I may only reveal after you get to know me really well, not because it’s a secret so much as because it’s just something I hold a little closer to the chest. I may immediately volunteer that I have two sons, for example, but I won’t talk about them in any depth until I get to know you a bit better, at least depending on context and how relevant they are to whatever conversation we’re having. In fact, “reading the audience” plays a lot into what I divulge easily and what I don’t, particularly with regards to politics, religion, and certain aspects of mothering.

On the flip side, private to me is stuff that I do kind of guard — sure, family secrets and things that aren’t necessarily my story to tell — and also certain boundaries I keep even with close friends, like if my husband and I have had a disagreement I keep that private. 

So, for example, in the reader Q above, whether I was engaged would probably be something I would immediately volunteer easily, but whether I was dating anyone (or had recently split up with anyone) would be something I would keep more personal — but not private. What would be private to me would be something more like whether I wanted to marry the current person I was dating, or “what kind of person are you looking for” questions, or certainly questions about future kids/family plans. 

{related: how to keep your work life separate from your personal life}

But then, I’m a bit of a weirdo because I feel comfortable sharing a lot of things online (I think I stopped short at period details but that’s it), but I’ve never used my husband’s first name on either of the blogs. Office culture has definitely played a part in where the boundary lines are, as well — in my more female-dominated offices we were quick to talk about little aches and pains in a personal way — whereas in the male-dominated ones I would have considered those little aches and pains to be closer to private than personal. 

Readers, how about you — where do you draw the line between what’s personal and what’s private? Do you have different boundaries for different situations? (For those of you who have worked in several offices, how much has office culture had a factor in the boundaries  you’ve kept? ) Do you have easy comebacks for when people ask for too much (“ha, we’ll see!”) — and how do you deal when someone is oversharing? 

 

The post Where Do You Draw the Line Between Personal and Private at Work? appeared first on Corporette.com.

Corporette.com

BEST DEAL UPDATE:

New Trey Anastasio doc takes deeply personal look at Phish frontman

Rock biopics tend to take one of two paths: the rote, career-spanning victory lap or the salacious “Behind The Music”-style tell-all. “Between Me And My Mind,” which profiles Trey Anastasio of Phish, does neither. In the film, which made its world premiere at the Tribeca Film Festival on Friday night, director Steven Cantor instead draws…
Entertainment | New York Post

SPECIAL DISCOUNT UPDATE:

FTC eyes personal punishment for Mark Zuckerberg over privacy

The Federal Trade Commission is mulling ways to hold Mark Zuckerberg personally responsible for Facebook’s privacy lapses, including fines that would ding the CEO’s own wallet, according to a new report. The watchdog, which started probing Facebook last year over data breaches tied to the 2016 presidential election, is looking at the 34-year-old billionaire’s past…
Business | New York Post

SPECIAL DISCOUNT UPDATE:

House Democrats seek 6 years of Trump’s personal and business tax returns

Ways and Means Committee Chairman Neal told the IRS: “This request is about policy, not politics.”
Politics

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Link Love: Personal Style of Creative Women

Recently, I discovered the Personal Style series published on The Fold’s website, and I’m enjoying these articles because they not only show the personal style of women I wasn’t yet familiar with, but at the same time we also learn a bit more about their work and life philosophy. Here’s a look at three of them:

Fab Links from Our Members

L’Abeille got a laugh out of this, and thinks Fabbers can relate.

Runcarla reports that Toronto’s Indigenous Fashion Week is this week, and it’s sold out.

Shevia says it’s time for some pro-aging.

And had she only known, this could have been her profession: “How Fashion Forensics Are Helping Solve Crimes.”

Unfrumped enjoyed the Celine and Victoria Beckham Fall 2019 runway shows: “I never really look at designer shows or runway looks but saw these on Pinterest and was intrigued, thought they looked surprisingly wearable.”

Laura (rhubarbgirl) finds it interesting that shoe brand DSW is incorporating nail salons in their stores.

She also wanted to share this article about Seattle fashion rental startup Armoire that uses curation to change how women are buying clothes.

Finally, she came across this article reporting that the record number of retail stores closing over the last couple of years is expected to continue in 2019.

BrieN thought this was interesting: “How the Leather Jacket Became the New Power Blazer.”

Delurked wanted to share an article about how Gap and Old Navy are splitting up. She imagines they will need to split the websites, which would impact many shoppers.


YouLookFab

BEST DEAL UPDATE:

How To Become Visible Through Personal Branding in the Social Age

For some professionals, personal branding is a must—while for others it seems like a distraction in this social age. But we can assure you that it’s not. Being visible in this digital era no matter what industry you work in or your level of expertise is extremely critical for your professional and personal brand. In other words, if you want to shine where you are or want to level up, you have to position yourself to be seen on and offline.

Jacqueline Jones, head of Strategic Partnerships at LinkedIn; Rita Mitjans, chief diversity & corporate social responsibility officer at ADP; Monica W. Peterson, director of Affiliate Vehicle Planning and Pricing Product Planning & Strategy at Toyota Motor North America Inc.; and Yolanda Murphy, vice president of Communications at Northrop Grumman Technology Services dived deeply into how women can present their best-selves during the 14th Annual Women of Power Summit.

personal branding

The Visible Woman: Personal Branding in a Social Age panel at the Women of Power Summit

First things first, your online portfolio whether it’s your personal website or LinkedIn holds more value than you think.

“Make sure that you are able to articulate and present the brand that you want others to see. Social media gives you the power to represent yourself the way you want to be,” said Mitjans.

To that point, Peterson said, “be intentional about what your LinkedIn profile has in there.”

Use Social Platforms to Your Advantage:

  • Update your profile picture
  • Be clear about who you are, what you do, and the value you add in your biography
  • Make sure that your information is accurate and up to date
  • Share your expertise by blogging, engaging with other thought leaders, and sharing articles

It’s been said that the best time to look for a new job is on the first day of your new job, but, when it comes to personal branding and job searching that same logic does not apply. “You don’t just update LinkedIn when you’re looking for new jobs,” Peterson added.

And Jones couldn’t agree more as a leader at LinkedIn. She believes that social platforms give people of color the opportunity to tap into economic power.

Consistency is also key

“If your employers can see your profile and it represents a different person than you bring to work every day, you need to re-evaluate what you’re posting,” said Peterson.

Murphy got serious about personal branding in 2014 when she realized how important it was to tell her story.

“What I’ve come to learn is that it’s a form of currency. For example, look at your savings account…you’re investing so that you can get something back in return – a return on your investment. Your personal brand is no different. It’s something that is returning dividends to you and your company or those who you choose to do business with.”

Another tactic Murphy uses to manage her brand is to be selective about what she shares publicly. This allows her to engage in topics she wants to be a part of and those that serve her personal brand.

“I’ll talk about my kids, I’ll talk about communications. I don’t talk about money, faith, or politics. I set boundaries for what I will and will not talk about,” she added.

Personal branding in the social age also lends itself to the opportunity to build relationships offline so that you can land different opportunities.

“Partner with corporate communications. Pitch corporate comms your story and why you would be a great representative and how your story exemplifies what they are trying to say,” said Jones.

The general consensus when it comes to personal branding is to craft your narrative, share it, and shine! Finding the right strategy for your personal brand online comes with time but you can get started today with this expert advice.

 

 

The post How To Become Visible Through Personal Branding in the Social Age appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

How Kylie Jenner, Youngest ‘Self-Made’ Billionaire, Made The Personal So Profitable

Photo Illustration by Sarah Rogers/The Daily Beast / Photos by Getty

“At 21, Kylie Jenner Becomes The Youngest Self-Made Billionaire Ever,” the digital cover of Forbes proclaimed today, noting that even Mark Zuckerberg needed two more years to make the list back in 2008 at 23.

In a portrait accompanying the story, Jenner could not have looked more different than young Zuck did for his debut Forbes profile. Clad in a crocodile-printed suit, pale pink turtleneck, and nude stilettos, with signature pink acrylic nails in frame, Jenner is decidedly not the hoodie-wearing tech wunderkid of the mid-aughts.

Instead, Jenner fully owns Kylie Cosmetics, a three-year-old company worth $ 900 million by Forbes’ estimate. Her fortune is around $ 1 billion. In 2018, a distribution deal with beauty retail giant Ulta helped to increase Kylie Cosmetics revenue by 9 percent. (Kylie Cosmetics did not respond to The Daily Beast’s request for comment.)

Read more at The Daily Beast.

Got a tip? Send it to The Daily Beast here

The Daily Beast — Fashion

BEST DEAL UPDATE:

For California Attorney General Xavier Becerra, Resistance Is Personal

When President Donald Trump demands a border wall or threatens to deport young unauthorized immigrants, one of the loudest opposition voices comes from the son of Mexican immigrants — who also happens to be California’s top lawyer.

Democrat Xavier Becerra, the state’s first Latino attorney general, is not only one of Trump’s biggest critics, he is an unrelenting adversary in court, striking at Republican efforts to overturn federal rules not just on immigration, but on health care, birth control, climate change and more.

On Tuesday, Becerra, 61, will take the national stage when he gives the Spanish-language rebuttal to the president’s State of the Union address. He has challenged the Trump agenda before.

Becerra has taken the Trump administration to court 45 times since former Gov. Jerry Brown appointed him to the job in 2017. In November, voters overwhelmingly gave him a four-year term, validating his decision to leave Congress after 24 years.

Becerra, whose wife is a doctor, is leading a coalition of 20 states and the District of Columbia in defending the Affordable Care Act against a Texas lawsuit that could determine the fate of the law — and with it, health coverage for millions of Americans. And he won a nationwide court injunction last year that blocked the Trump administration’s decision to end the Deferred Action for Childhood Arrivals (DACA) program, which allows qualified young people who were brought into the U.S. illegally as children to obtain temporary work permits.

When news reports last month revealed that Trump was considering diverting emergency disaster relief funds from California, Florida and Texas during the partial federal government shutdown, Becerra condemned the president on Twitter for poaching funds for a “reckless & lawless” border wall.

The fights are ones that Becerra describes as personal. He talked to California Healthline’s Samantha Young about his role — and how his upbringing influences his legal decisions.

The following interview has been edited for length and clarity.

Q: You were a veteran member of Congress in a leadership role. Why did you take this job?

November 2016 hits. We have the election. All the things that I cared about were going to be placed in jeopardy by this new president.

I found myself thinking I probably could make a bigger difference as the attorney general for the entire state of California, defending everything I fought to erect, than as a minority member in the House of Representatives trying to make my point, but always losing.

I made a calculation. I think I made the right choice.

Q: You have sued the Trump administration 45 times on education, immigration, health care, birth control access, climate change and more. What’s the one case you really wanted to win?

I’ll give you two.

First, the Affordable Care Act, knowing how much it has been a game changer for families. I would never have believed that I’d be leading the effort to protect the entire Affordable Care Act as an attorney general for one of 50 states. But here I am.

The second one is the DACA litigation, because as the son of immigrants, I watched my parents struggle and saw the things they had to live through. I believe these DACA recipients are going to be some of the greatest leaders America has and it’s because they had to go through so much like my parents did. So, it’s very personal.

Q: Do you remember your parents’ economic struggles as a child?

I thought I was middle class growing up as a kid. It really wasn’t until I was driving with my mom to start my first day at Stanford University, driving through Palo Alto, that I realized I’m not middle class.

We always had decent food to eat. I never got a pair of Converse. I never had a pair of Levi’s jeans. Never had that kind of stuff, but I always had clothes. It didn’t dawn on me that we were much different than other folks.

Q: How does your upbringing influence your decisions as attorney general?

Everything I do is informed by what I grew up with. I defend immigrants with a passion because I saw immigrants every day of my life. And I know how hard they work. I never saw a day where my dad didn’t work.

My mom came here when she was 18 from Guadalajara, when she married my dad. Didn’t know English. Learned it. She could always find a job, and when she learned English it became easier. But she could never go very high because she never went to college.

So, when someone wants to knock an immigrant, you’re knocking my dad and my mom.

Q: You believe everyone should have access to health care. Was there ever a period in your life when you didn’t have health insurance?

I don’t ever recall a time when I didn’t. That’s why I’m such a big defender of unions. My dad was a construction worker. My dad got to the sixth grade. As difficult as it is for someone with a sixth-grade education to get a decent job, and while being a manual laborer and working construction doesn’t make you a millionaire, if you work for a union it gets you basic benefits.

I knew what it meant to have health insurance, especially on the day my mom ended up having a miscarriage. She was hemorrhaging at home and she had to be rushed to the hospital. There was no hesitation.

We knew we could go to the doctor — and everybody should know that. For me, health care is a right. I’ve been a single-payer advocate all my life.

Q: Why do you think it’s important to build coalitions with other states when challenging the Trump administration?

Lifting something by yourself is very difficult. When you get a team to do it, it just clicks so much easier. Maybe it’s because I went through Congress more years in the minority than the majority, where you realize what it takes to actually cobble together a coalition to get something done. Or, maybe it’s just that when you’ve been in a minority all your life, the son of immigrants with very little, you know it takes a team effort.

I got through Stanford knowing my family didn’t have a lot of money, so I had to work, take out student loans and receive help from the government. It was a combination of a lot of things.

Q: What’s your response to critics who say state attorneys general are “militarizing” their office to overturn policies your party can’t block in Congress?

Which of the cases should we not have filed? The one to defend the Affordable Care Act, or the one to prevent women from losing access to birth control, or is it the one to allow DACA Dreamers to be deported, or is it the one to make sure that we are defending against a crazy border wall, or is it the one that should allow predatory for-profit colleges to continue to avoid having to provide relief to students who were defrauded?

We’re not doing this because we’re trying to attack the federal government or because we’ve got it out for this particular president. How would we explain to the people who would have been unprotected why we just watched, why we just spectated?


This KHN story first published on California Healthline, a service of the California Health Care Foundation.

Kaiser Health News

BEST DEAL UPDATE:

Personal Money Snapshot: An Administrator in Public Higher Education and Former Lawyer Shares Her Money Snapshot!

 

Eeek – we are thrilled to present our very first personal money snapshot! By way of background: we got a few requests from readers to launch our own “money diary” series, so we asked willing readers to fill out a form with lots of details about debt, spending, saving and more!  If you’d like to fill out the form and be considered for a future personal money snapshot, please click here if you’d like to see the form and/or submit responses! You can also see a PDF of the questions if you want to review them ahead of time.

Today’s snapshot features reader P, who notes: “I have worked almost exclusively in public administration or higher education, so not a high roller here! Husband had a job loss early in career (about five years ago) that screwed us up.”

Please remember that this is is a real person who has feelings and isn’t gaining anything from this, unlike your usual friendly (soul-deadened, thick-skinned, cold-hearted, money-grubbing) blogger — so please be kind with any comments. Thank you! — Kat

Name: P
Location: Chapel Hill, NC
Age: 32
Occupation: lawyer –> public higher ed administrator
Income: $ 83,000
Household income: $ 165,000
Partner’s age: 34 (husband)
Household net worth:
 About $ 100,000
Net worth when started working: $ 26,000 (age 24)
Current debt: $ 15,000 credit card debt, $ 2,000 student loans
Living situation: Currently renting; rent is $ 1,400/month. (I do not contribute to rent.)

Debt

What does your debt picture look like?
Aggressively paying down $ 15,000 in consumer debt (credit card) accrued due to a job loss, a period of underemployment after a relocation to a much lower cost of living area (from D.C. to Chapel Hill), and shopping like an idiot. I have about $ 2,000 left on my student loans, which was only $ 10,000 to start.

How much money are you spending each month to pay down debt?
$ 2,000

How did you pay for school?
I made educational choices that left me with as little debt as possible (full scholarships to both undergrad and law school, albeit to lower ranked, less challenging institutions than I could have succeeded in). I always had two jobs during school (except for during 1L). Parents generously paid my rent and let me drive a family car.

What is your living situation?
We rent because we moved here with very little in savings and have lower-paying jobs. We sold our home to move to D.C., which subsequently ate our money ($ 2,500/month in rent for a 1-bedroom in Maryland), and now we rent for both money reasons and for flexibility reasons. We are planning to purchase again in 2019, thankfully, as we build savings and have a better grasp on what we want from our home.

Have you ever done anything noteworthy to avoid or lessen debt?
We had to cash out a small retirement account when my husband lost his job in 2013. We used it as a stopgap for some major things, but ultimately he re-invested about $ 4,000 of that.

Savings, Investments & Retirement

How much do you save for retirement?
I invest about 15–20% of my gross pay each month (target date retirement funds), with some of that as an employer match. Higher ed has its minimal benefits for things like matching!

How much do you have in retirement savings?
$ 70,000 (just mine)

How much do you save outside of retirement accounts?
We fund an emergency account for about $ 400/month, a down payment account at about $ 1000–$ 1500/month, and a vacation fund at $ 100/month. Buying a house is first priority, and a not-sucky retirement is the other. We are childfree and find that impacts some of our decisions with relationship to both the house and retirement.

What’s the #1 thing you’re doing to save money, limit spending, or live frugally?
We just don’t buy a lot of stuff, clothes, disposable things. We’re relatively minimal with our “stuff” consumption. And we bring lunches!

How much do you have in cash that’s available today?
Twenty bucks? Idk, I’m a millennial.

How much do you have in cash that’s available in a week, such as with an online savings account?
$ 20,000, all of my banking is online, no brick and mortar (includes $ 7,000 emergency fund).

Spending 

How much do you spend on the following categories on a monthly basis?

Groceries: $ 600
Restaurants, bars, takeout, and delivery:
$ 400
Clothing and accessories: Less than $ 100
Transportation: Household spends about $ 330 (gas plus car payments, two cars)
Rent/living expenses: $ 1,400
Entertainment: $ 25, Hulu and Netflix only
Health care: $ 50/month each for two individual plans; no kids

What’s your spending range for these things? What’s your average?

Vacations – Range: $ 50–$ 7,000
Vacation – Average: $ 2,500

Individual items of clothing – Range: $ 10–70
Individual items of clothing – Average: $ 40

Apartment or house – Range: $ 1,000–$ 2,600
Apartment or house – Current main residence: $ 1,400 (rent)

Car or other vehicle – Range: $ 8,000–$ 10,000, always buy used, hate cars
Car or other vehicle – Last purchase / current main vehicle: $ 10,000, used vehicle

When was your wedding and how much did it cost? 
2010, $ 30,000 total (parents paid), $ 250 for my wedding ring, about $ 300 for bridesmaids’ gifts, $ 250 for husband’s gift. Was married at 24 to my high school sweetheart (still am!). Tradition in my family is parents pay; it is “their party in our honor,” and the guest list was big (175+) due to very large families. Did not get married in a church. Married by judge I interned for, on lawn of beach club in New England. No honeymoon, as we had just started jobs.

Are there any other large expenses in your life, now or previously?
Husband doesn’t do the taxes anymore… didn’t know how to calculate “income” for IRS purposes so we had a $ 6,000 tax bill one year. Ugh.

Money Strategy

Do you have a general money strategy?
Make as much as you can while still having a life and being happy; spend it on the experiences and food you really want.

Stock photo credit: Deposit Photos / Dualshock

 

The post Personal Money Snapshot: An Administrator in Public Higher Education and Former Lawyer Shares Her Money Snapshot! appeared first on Corporette.com.

Corporette.com

BEST DEAL UPDATE:

1.22.19 Digital drivers license; Free trial auto-billing; Personal finance classes in schools

Digital drivers licenses are coming. Many privacy advocates are nervous about this but this could be a great thing as well; Mastercard has just done something incredibly human. They won’t let you be billed after a free trial without your express permission; Personal finance classes are slowly but surely becoming a real thing in some states!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch the video

The post 1.22.19 Digital drivers license; Free trial auto-billing; Personal finance classes in schools appeared first on Clark Howard.

clark.com

BEST DEAL UPDATE:

Back To School Sale – Get up to 40% OFF stylish footwear at Payless.com

Iyanla Gets Personal with Althea, Dutchess And Minyon | Iyanla: Fix My Life | OWN

OWN

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE :

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Kendall Jenner to Share Personal ‘Raw Story’ to Help People, Kris Announces

Kendall Jenner is hoping to connect with people and help them by sharing a very personal story about herself … but it’s a mystery what that is for now. Kris Jenner announced Saturday her “brave and vulnerable” daughter will be revealing the story…

TMZ.com

SPECIAL DEAL UPDATE:

10 Tips For Decluttering Your Personal Space Before 2019

Stand firm in who you are

Source: Delmaine Donson / Getty

The coming of a new year is a great time to reprogram your personal space. But if you’re known to be a bit of a hoarder and have a hard time letting go of things you no longer need, it might be time to declutter before we head into 2019. Here’s some tips on how to do just that before the clock strikes 12 on New Year’s Eve:

1. Adopt the 1 Year Rule

If you haven’t used it in the last year, chances are you probably won’t use it again. Round up the gadgets in your home that haven’t been touched since last January and donate those unused items instead. If you find it hard to part with anything, put the “hard to part with” items in a separate bin and see if you find use for them over the next six months. If not, it’s time to let it go.

2. Use the “3 Bin” Method

The 3-bin method will help you find a place for every knick-knack item in your home. Label the bins; keep, toss and donate and then decide what item goes where. Stick to your gut and make quick decisions to easily scale your items down.

3. Declutter Your Mind

Decluttering doesn’t necessarily have to just mean purging physical items. It can also mean making small changes to rid your mind from negative thoughts and emotions that may have been holding you back all year long. Re-evaluate your mental space, friendships, relationships and even your daily activity and decide what might need a change, an upgrade or an elimination. Peace and positivity is the goal for all 2019!

4. Turn Clutter into Cash

Turn your old fashions into a profit by selling items on Ebay, Etsy or Craigslist. It’s a great way to get rid of things you no longer wear and bring in extra cash as you go into the new year.

5. Get Rid of Worn Out Bedding and Towels

Are you still holding on to sheets and towels from your teenage years? If so, it’s time to part ways no matter how many memories they might hold. Give them an “afterlife” by donating these items to an animal shelter or a vet’s office. Animals need towels and sheets to bathe in and sleep on and I’m sure they’ll find comfort in your donated items.

6. Toss the Unwanted Hangers

I’ll admit, I can be a bit of a hanger hoarder myself. But those unwanted hangers take up a TON of space in closets. If your closet is overflowing, consider giving those unused hangers to the dry cleaners as they might need them more than you do.

7. Take The 12-12 Challenge

Walk through your home every few months and locate 12 items to throw away and 12 items to donate. While this may seem brutal, it can actually be a fun and exciting way to quickly organize items in your home.

8. Fill Up One Trash Bag Every Few Months

If you’re having trouble purging a ton of household items before midnight, you can use this tactic throughout all of 2019 and slowly get rid of items you no longer need. Grab a large trash bag and see how quickly you can fill it with things you no longer use. Once you’ve filled your trash bag, decide which items are worth donating and which items need to be tossed altogether. Do this every few months and at the end of 2019, you’ll find yourself feeling a lot less cluttered.

9. Take One Room at A Time

Your entire house didn’t become cluttered overnight, so you don’t have to declutter in one full sweep. Take it one space at a time and get rid of unwanted items in one room before moving over to the next.

10. Remember, The Less Clutter, The Less Cleaning

This is a no brainer but it goes without saying that the more stuff you have, the more time you’ll spend cleaning. If you have a ton of clothes, that means the more time you’ll spend finding a place to keep everything, making less space available for those outfits you really care about. Paring down what you don’t need is a sure way to keep your space a lot cleaner.

No matter what decluttering method you choose, remember; there’s something freeing about getting rid of items that no longer serve you. Make it a mission to declutter your house (and mind) this holiday season and start fresh in 2019!

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

Life & Style – Black America Web

BEST DEAL UPDATE:

Ashlee Gets Personal with Alexx’s Family | Ready to Love | Oprah Winfrey Network

OWN

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE :

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Personal Money Snapshot: Corporette Edition

personal money snapshot

I know everyone (including me) loves to read those money diaries on sites like Refinery29, and I’ve been meaning to create a “personal money snapshot” series to feature readers who are willing to share a summary of their financial situation. We now have a Google form (similar to the form we have for the CorporetteMoms Week in the Life of a Working Mom posts), and I would love to a) open it up for participants, b) get your feedback (too long?), and c) note that everything is possible for change. (The nice thing about Google forms is that we can edit questions, which is not always the case with surveys and things.) Click here if you’d like to see the form and/or submit responses! You can also see a PDF of the questions if you want to review them ahead of time.

Notes on the Personal Money Snapshot Form:

1. The reason we ask for your email address: It would be much, much better if we could have your email address so that Kate or I could ask follow-up questions for clarity — sometimes not everything is obvious from an outside perspective. THAT SAID, there are a lot of personal questions on the form, so I understand if you don’t want to share your address. I can’t quite figure out how to make that question optional, though, so just put something obviously fake and we’ll deal. (If you DO trust us with your email address, thank you very much! We will keep your info safe pursuant to the Corporette Privacy Policy — and I promise to never ever hit you up for a loan if you’re loaded.)

2. The general nature of the questions (and why it looks longer than it is): I’ve been observing reader comments and discussions on money for a long time, and I think the usual “what I spend in a week” summary isn’t necessarily illuminating or educational. That’s why the questions on the form are pretty wide-ranging — and it may seem long when you first look at it, but that’s because I’m not expecting EVERYONE to have something to say in EVERY category. (I’m assuming readers will have a lot to say in one or two of the sections and less in others.)

I also believe that people have “quadrants of knowledge” when it comes to personal finance. Maybe you know everything about country club fees, which markets are awesome for second homes, and which ostrich bag is REALLY worth the $ 10,000. That’s awesome, and we want to hear from you! We also want to hear from people who are in six figures of debt, flirting with bankruptcy, and/or living paycheck to paycheck (yes, even if you have a high income and are living paycheck to paycheck). We also want to hear from the FIRE people who are putting away $ 100K of their $ 120K income, and people who had their lives wildly shifted (for good or bad) by something like inheritance (hopefully good) or crazy medical bills (probably bad). 

3. Big Picture questions: There are a few questions I want everyone to answer because I think they generally inform the reading of responses. One question asks specifically what your net worth was when you started working since I think there’s a huge difference in what your personal finance journey looks like if your net worth at 25 or whatever is -$ 260,000 (in debt) vs. $ 5,000 vs. $ 150,000. Another question asks, “Is there anything else we should know about you from a “Big Picture” perspective up front, for context, as it relates to your net worth, expenses, or debt?” I included that to delve into situations that we wouldn’t know to ask about but certainly affect your money situation, e.g., “had to be life-flighted to the hospital and had $ 100K in medical bills,” or “private schools are not optional for my family because I don’t believe my kids will get a fair shake in public school” or “all of our home-related finances are super high because my in-laws live with us and we pay for everything.” 

Like I said, it’s pretty wide ranging and hopefully not TOO… asky. If there are specific questions that are offensive to people or otherwise problematic, I’d love to know which ones in particular. If people think there need to be specific questions added to any part of it, we’d love to hear those too.

Here’s a quick question for discussion today, though: what are your favorite resources to learn about money? What’s your favorite podcast, book, blog, or other resource?

Psst: here’s our last discussion on the best personal finance books for beginners, as well as my “money roadmap,” or what my own personal finance journey has looked like. 

The post Personal Money Snapshot: Corporette Edition appeared first on Corporette.com.

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Prenatal exposure to chemicals in personal care products may speed puberty in girls

Girls exposed to chemicals commonly found in toothpaste, makeup, soap and other personal care products before birth may hit puberty earlier, according to a new longitudinal study. Researchers found that daughters of mothers who had higher levels of diethyl phthalate and triclosan in their bodies during pregnancy experienced puberty at younger ages.
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Children’s personal online details being collected from birth

Vast volumes of personal data are being collected about children from social media, public services and even toys with the potential to have an impact on their futures, according to a new report.
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Is Employee Advocacy at Odds with Building Your Personal Brand?

Within the past several years, companies have adopted digital employee advocacy as a way to harness the power of their workforce for low-cost, high-impact marketing, sales, and recruiting. But if you are an employee, you may be questioning whether your quest to be loud and proud for your company conflicts with your goal of building your personal brand.

Your Social Networks Are Your Currency

When you first tweeted in 2009, you began to piece together a following that may predate your time at your current job—including those LinkedIn contacts; classmates from your alma mater; and relationships that span the gamut of your professional existence. Your Facebook page is a virtual backyard barbecue that includes, in some cases, people with whom you even went to elementary school. Are they really that excited to hear about your company?

Your networks are your currency. Your social platforms are your real estate. They have value, and your company recognizes this. Do you?

Now, consider again if you have allowed the employee advocacy movement to come into conflict, or worse, overtake your personal brand real estate, and/or currency. It is very easy to do. If you work for a company that you are proud of, it doesn’t take much to inundate your social networks with your company news and never think twice about it.

That digital advocacy platform is just the convenient and gentle nudge you need to deliver your company’s expectations. And after all, it is opt-in; it’s pretty and user-friendly and takes little to no thought to share. No one is forcing you to post. Right?

Employees as Company Influencers

Here are some of the latest predictions for employee advocacy from Everyone Social. Among them, professional use of personal brand handles is surging. That prediction is linked to the idea that the algorithms on popular sites are putting the squeeze on brands, making it tougher for their organic content to be seen unless they fork over a sizeable spend.

Let us also consider the other popular method that brands use to hopscotch the algorithm predicament: influencer marketing. According to recent research, brands are spending billions of dollars with individuals to share their messages, products, and services with their communities, less likely reached by companies because they lack the strength of niche influence that celebrities and even micro influencers wield.

So, companies are beginning to opt for employees as influencers because outside of the cost of the platform itself, employee advocacy is essentially next-gen, mini-micro influencer marketing on a budget.

Ted Rubin, CMO of Photofy and emcee/host of Brand Innovators Summits, says digital employee advocacy—if executed correctly by the brand—can work for the company and the employee.

“If executed correctly by the brand, and it rarely if ever is, the two can work together to great advantage for both the brand and the employee,” said Rubin. “I believe employee advocacy is most often a win for the brand but can be a much bigger long-lasting win, and truly empower employees, if executed to best advantage with employee benefit at the heart.”

The Importance of Personal Branding

Is personal branding really that important? Experts say now, more than ever, positioning oneself digitally for the next opportunity is paramount, whether it is within your current company or somewhere else. It can be as simple as a powerful summary on your LinkedIn page, or as involved as contributing as a thought leader to a respected publication. Even a blog or compelling microblogging or social posts can go a long way.

And this isn’t selfish or self-promotion, despite what some may believe. This is career survival in the digital age.

Building your personal brand is also smart. Consider that with many companies right-sizing for digital transformation, or shifting to meet consumer and customer demands, often that means surplus. In June 2018 alone, many of the most recognizable brands announced layoffs. The trend will likely continue as more automation takes over like artificial intelligence.

John G. Graham Jr., employer brand and digital evangelist, suggests employee advocacy and personal branding can and should co-exist, but employee advocacy extends past social platforms through speaking opportunities and other spokesperson opportunities. He travels the world sharing how it should work.

“The promise that I offer to employees who engage in advocacy efforts on behalf of the company is visibility and exposure of their personal brand to broader audiences,” Graham said. “Yes, the employer brand is gaining visibility and exposure as a secondary benefit but the reality is you’re raising your profile by adding value to your personal networks via relevant content that resonates. It’s really a win-win.”

However, Graham warns about sharing company news on your personal social networks.

“I don’t advocate that employees share company content through their personal profiles, for a few reasons: 1) Your network isn’t that interested in your company if the content you’re sharing isn’t relevant to their own personal interests. 2) It’s viewed as disingenuous and inauthentic. 3) The company has corporate channels that employees can share content from if they choose.”

How Employees Can Control Their Personal Brands

So can this assumption that employees’ social platforms are fair game for a company hurt your chances of actually leveraging what is actually yours for a career advantage? Does it create a culture of expectation from peers and even superiors that if you aren’t sharing company news, you are not all in for the company? Can it cause colleagues or bosses to criticize posts that are solely about your career interests, thoughts, and aspirations? Do these company initiatives create unreal expectations for their employees to leverage their social capital for nothing in return?

Dare we ask, is this exploitation?

Graham says that employees can and should take control of their social handles, social equity, social media currency, communities, and networks and that can also benefit your company. He says employer brands should provide shareable digital content that will add value to the employee and their personal networks. Otherwise, companies risk jeopardizing the very trust their employees have established with their own social networks.

“Leveraging the employee network as a means of extending company content reach and engagement, in my opinion only benefits the company at the potential risk of the employee networks being turned off by corporate exploitation,” he said. “Instead, companies should seek to curate value-add content that their employees can share so as to be more credible and valuable to their networks.”

He added, “Doing so ensures that if and when their employees share company-related content, their networks are more apt to engage with it because they’ve proven themselves trustworthy and a reliable source of content worth engaging with in the past.”

Companies: Be Thoughtful about Employees’ Social Networks

Rubin shared advice on how brands can provide content that actually engages your employee’s social communities instead of turning them off with commercialism.

Set some formal guidelines, but stay fluid. Rubin says that if companies clamp down too hard on employees they may simply back away from participating. Train them, then crowdsource.

“Offer in-house social training, led by your best in-house (but only if you really have them) and local experts,” said Rubin “Consider offering incentive programs. It can be something as simple as public recognition, but reward those employees who provide the most relevant ideas and responses on how best to empower them to build and leverage their personal brands.”

Remember that your employees are your company’s best resource. Rubin says to make the most of employee passion and individuality.

“Provide content that helps them become experts, leaders, and go-to resources, he said. “They’re already social, so start thinking of how you can empower your employees to have their own voice, and you will discover many can, and will, become your company’s most active and valuable social advocates.”

Employees: Take Control of Your Social Capital

So now that you know you are one of your company’s most valued influencers, it is time to act like it. Here are three steps that I’ve learned since 2007 when most of these social platforms launched; running a small business that leveraged its employees as ambassadors online and even leveraging employee advocacy as part of communications plans for some familiar brands. They might help you navigate this brave new world of corporate employee advocacy while managing and growing your personal brand in the digital space.

Tip the scales in your own favor. Your company is great. They are doing wonderful things in the community. Awesome. They also have a marketing spend that dwarfs your own. In fact, you likely don’t have one. Engage the 80:20 rule if you just can’t help sharing about your company, or feel the pressure to from colleagues, dare I say, bosses. That 80% is for you. Spend time crafting a deliberate approach to delivering rich and useful content for your community that will benefit them. If a social share from your company aligns with your passions and brand and provided useful content, for example, tips and advice on career and leadership, share it; but do not alienate your community members who’d rather hear more about what they can relate to…most often, that is your ideas and useful shares that have meaning to you and by extension, them.

Have an informed point of view. This doesn’t mean the opinionated posts that aren’t grounded in data that have become the norm on Facebook. This is about your informed, research-driven and seasoned worldview when it comes to your industry and your business. Focus your content and shares on this sweet spot. Again, if company content aligns then share that too, but in moderation.

Guard your social real estate. It is precious. Don’t just give it away. Understand that it is the one place you have to add your unique value, tell your story, and tell it well. Have a deliberate approach that focuses on no more than three broad topic areas that align with your brand and execute against it methodically. Spend some time thinking about your purpose, and it will be apparent to your networks, recruiters, and prospects. Your job is a part of that story, but be careful not to make it the headline.

The post Is Employee Advocacy at Odds with Building Your Personal Brand? appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

Queen Latifah ‘Unable To Accept’ Award For Personal Reasons

PHILADELPHIA (AP) — Queen Latifah is “unable to accept” an award named for a pioneering opera singer, citing personal reasons.

The Marian Anderson Award made the announcement on its website. The organization wasn’t more explicit, and Queen Latifah’s spokeswoman did not immediately return an email Friday.

The award is given in Philadelphia to critically acclaimed artists for their humanitarian work. Anderson was the first black singer to perform at the Metropolitan Opera.

Past winners have included Oprah Winfrey, Maya Angelou and Quincy Jones.

Born Dana Owens, Queen Latifah won a Grammy for her 1994 album “Black Reign” and earned an Oscar nomination for her role in 2002’s “Chicago.”

The organization says its Nov. 20 awards gala will be rescheduled, and it “hopes to honor Queen Latifah in the future.”

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