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What Type of Job Should You Encourage Your Child to Pursue?

What Type of Job Should You Encourage Your Child to Pursue? - kid dream image

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Depending on the age of your child, when you ask them what they want to be when they grow up, you’ll be met with a wide variety of answers. Particularly young children might tell you that they want to be some sort of animal or magical creature. When a couple of years pass, they’re more likely to come out with career choices such as firefighter, police officer, footballer, ballerina, or astronaut. As more time passes, they’ll start to become a bit more realistic with their ideas. This is the time when you want to encourage them to take the right path. After all, a lot of decision making has to take place early on in order to ensure that they focus their efforts in the right areas. While we all want our little ones to eventually bag a career that they enjoy, we should also bear in mind that they need to be financially secure. After all, while money won’t make you happy alone, it can help to ease some of life’s difficulties. So, here are a few different roles that you might want to get your kid to start thinking about from an early age!

A Barrister

Becoming a barrister is one of the most well paid jobs out there. While starting salaries tend to come in at around £12,000 a year, the average lawyer will earn £45.8 k a year, and if your kid is particularly successful in the field, they could make a name for themselves and end up raking in around a million annually. Now, there are many jobs out there where you can walk straight into the position and can excel with a little in-house training from your employer. But specialist areas such as law are a little more difficult to enter. In order to land a position in almost any legal job, your child is going to have to spend at least three years in higher education. This will endow them with a thorough working knowledge of the law in order to assess incidents and put compelling cases together. So, you should ensure that they take their schooling seriously and place particular focus on maths, english and science, as most red brick universities require a pass in each of these for an application to be considered down the line.

An Architect

If your child spends a lot of time playing with Lego blocks, K’nex, or Mobilo toys, they’re showing an active interest in architecture. Sure, it may be at a basic level. But this interest could expand and grow, and architecture is a brilliant professional realm to get them involved with. Salaries tend to start at around £18,000 a year, then move on to an average of £38.8 k a year. The best in the field can take home over £87,000 annually. What’s more? It’s an extremely creative role that will allow your child to eventually take their work into their own hands rather than sitting behind a desk going through paperwork everyday!

These are just two different paths that you should consider directing your little one down. The earlier they start developing an interest in a field, the more dedicated they will be to the role in their later years!

Last Minute Funds:  Where to Go When You Need Emergency Funds

Life is inherently unpredictable, but no matter what the situation you’ve found yourself is calling for, there are always options you can take advantage of. The trick is to educate yourself and be aware of them, so when you encounter some obstacles in life, you’ll be well equipped to stitch yourself back together and overcome them with ease. So when life gives you lemons and you need some extra funds as soon as possible, what is there to do?

Last Minute Funds: Where to Go When You Need Emergency Funds - money cash image

  1. Exhaust your personal savings first

Perhaps you’re saving some money for retirement or for giving your kids a chance to study abroad? This may go against the conventional wisdom, but sometimes, making a withdrawal from your savings account could be just the thing you need to be able to cover a financial emergency. Just think about it – is this not a better course of action than looking for a loan provider straight off the bat? Besides, you can always replenish your savings account when the dust settles a bit.

  1. Try to borrow money from your friends

No loan provider is going to give you such favorable terms as your friends. No deadlines, no interest rates, no fees… however, there is one thing at stake – your trust and relationship with that person. If you’re on great terms with them (or if you’re related to each other), they may give you the money as a gift without expecting to be repaid.

  1. Sell some of your belongings

Depending on how much time you have, you could try to sell or auction off some of your belongings. The more in-demand they are, the faster and easier it’s going to be to sell them and get a suitable amount of money in return. If there’s a dire emergency and you have some valuables like jewelry or gold, you can get in touch with one of the pawnshops in your area. Keep in mind this is for dire emergencies only, as there are other more suitable alternatives if you have a little bit of extra time to spare.

  1. Get a loan

Thanks to several online lenders that have sprung up over the recent years, getting a loan is not as hard as it used to be. All you really need to do is visit a website, answer a couple of questions, and you could potentially get your money transferred to your bank account as soon as the next day. Compared to getting a loan from the bank, these are much less time-consuming and user-friendly in general. There are several different loan types to choose from, so you can get the most suitable one for your needs. You can find more at www.kingofkash.com, although doing your own research can never hurt.

Conclusion

Financial emergencies are not the most pleasant type of thing you can encounter in your life, but as stressful as they may be, not losing your composure can be all the difference between getting back on your feet and making a costly mistake that will haunt you for months or years to come. Keeping these options in mind, you can be confident about doing the right thing and make a decision that reflects the level of urgency appropriate for the situation at hand.

Foreign Currencies: The Key To Investment Success?

Foreign Currencies: The Key To Investment Success - forex bank notes image

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There are lots of different ways you might want to invest your money. Most of them are really well-known and popular with individual investors. For instance, investing in property is currently highly advisable as the real estate market is rarely volatile and can, therefore, bring you some big returns on your initial investments. Other traditional investment methods include stocks and shares, as well as funds and commodities.

Investment markets are extremely varied, and I’m sure that there will be some that you have never heard of before, or things that you didn’t realize you could invest money into. Take foreign currencies, for instance. I’m sure you will have had money changed into a different currency when you have been on holiday, but did you know that some people make money by doing this? It is known as forex, and here are some tips to turn this into a top investment for your cash!

Stick With Your Chosen Strategy

Before you make any investment, you need a strategy that you can follow. Once you have decided on yours, it is critical that you stick with it, no matter what happens. Are you wondering how you can come up with the best forex strategy for you? It’s all about research – once you have researched it in full, you will have a much better understanding of currencies and how you can effectively create a strategy that is built for success.

Research The Best Forex Brokers

Just going to your local bureau de change won’t help you when it comes to investing in foreign currencies. You won’t be able to trade high enough amounts with them. Ideally, you need to go to a specialist trading platform for all of your transactions. They can even help you learn more about forex and will be able to answer any questions that you might have. But, more importantly, they will let you trade the sizeable amounts that can bring some very attractive returns.

Expect Some Small Loses

Trading in foreign currencies is much like trading in any other kind of investment – your investments could rise and fall in value. As long as you are aware that there will be some fluctuation, then you shouldn’t panic too much when you notice some small losses. Hopefully, your investment will be able to jump back from this.

Network With Like-Minded Investors

When it comes to forex, it’s a good idea to find some like-minded investors who you can add to your network. As it’s such an unusual form of investing at the minute, it’s a good idea to find your own support group who you can turn to whenever you need any help and advice.

Review Your Investments Once A Week

Ideally, you should check your investments once a week, preferably at the weekend once the markets have closed. That way, you can be aware if there is anything that you need to attend to. Plus, it helps you figure out which forex investments are potentially losing you money and need to be sold.

Forex isn’t too tricky once you know what to do!

Unique Ways To Increase The Price Of Your Home

Are you looking to sell your home? If so, you probably want to find ways to increase the value as much as you can. Perhaps surprisingly, there are a lot of unique ways to increase the value of your home besides just the standard fare of making improvements on your own.

Unique Ways To Increase The Price Of Your Home - house image

Naming Your Home 

Have you ever considered the possibility of naming your house? Believe it or not, the simple act of naming your home can often significantly increase the value and the asking price that you can receive. For example, if you have the last name of Chandler, and your home is at 548 Hill Street, rather than just saying the address, wouldn’t it sound much better if you said this is Chandler Manor? We certainly think so!

Helping Out The Neighbours 

Sometimes, the simple act of helping out the neighbours can help improve the value of your home as well. How so? Consider the “eyesore effect.” Just the very fact alone that potential buyers will have to look at a messy neighbour’s property might bring down the price of your home. This is one of the main reasons why you should consider volunteering your time to help these neighbours out! For example, if you have a neighbour that has an unkempt garden, perhaps they simply do not have the time nor do they have the wherewithal to keep the garden or exterior up. However, if you work to keep this garden up for them, you will only feel good, but you will help the scenery for any potential buyers of your home. The same goes for a scrap in yards. You can definitely volunteer your time to spruce up a neighbour’s yard and help them clear out any scrap (with their permission of course). In some cases, the simple act of just helping to spruce up your neighbour’s property might even raise your house value by an extra thousand or two. 

Helping Out The Street 

You could also consider sprucing up part of the street that your home is on. Admittedly, this game plan is not something that can be accomplished overnight. However, if it is in your long-term planning to eventually sell your home you might consider some community involvement such as attending a meeting at a local homeowners association or leading an initiative before your local town council. Will the payoff happen right away? No, it won’t. This will occur over a number of months or even a number of years.

Add Some Extra Colour To Your Home 

Although this might seem like a no-brainer, adding some colour to your house can definitely improve the resale value of it. However, there is a catch here. Don’t just add any colour scheme to your home. First of all, you should intently study the colours of the houses that have recently sold well in your area. Although colour is of course not the only factor, look at what colour schemes the top sellers in the realty pages have had. You might strongly consider repainting your house these colours, and you might consider acquiring a computer program that will allow you to experiment with how different colours would look on your home as well. In doing some of these suggestions, you will definitely have a strong improvement in the potential resale value of your home!

 

Securely Managing Your Online Finances

In today’s growing online world, it’s essential to securely manage and protect your online finances. There are various reports and news articles about huge data breaches, phishing emails and so on.

Also, people use the internet more and more when it comes to payments and managing online finances, which means it’s more lucrative for hackers since the success ratio is higher too.

Therefore, I’ve created a list of important ways to securely manage and protect your online finances.

Let’s get started:

Securely Managing Your Online Finances - laptop and finance image

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1.   Phishing Emails

An increasingly more employed method by hackers to obtain personal data, payment information and other sensitive information is through phishing emails. Phishing emails are fake emails, the hacker often pretends to be your bank, credit card company or other institution that often emails invoices (e.g. Google Play Store or Apple Store).

Most people trust these institutions and are more likely to open the email. While opening the email isn’t harmful but clicking on a URL in the email or opening the attachment is harmful. The attachment usually contains some kind of malicious file to infect your system. Think about a virus, keylogger, spyware, ransomware, and so on. Whereas the link may redirect you to a domain that automatically starts the download of a malicious file upon visiting.

Phishing emails is a numbers game but it’s still rather effective. Once your system is infected, it’s highly likely that hackers can monitor what you’re doing on your computer and see your username and password combination.

The hackers can then use this information to access your online banking accounts or credit card statements and use it for fraudulent activities.

It’s therefore important to be able to recognize these phishing emails and avoid opening them. There are quite a few methods and tactics you can use to “test” the email in order to find out whether it’s a legit sender.

2.   HTTP vs HTTPS

Whenever you make payments or leave sensitive information on a website, always make sure the website in question is protected by the HTTPS protocol.

You can recognize a secure website by the green padlock and “s” after “http.” This means that all the traffic between you and the web server is protected by an encryption method and unreadable for hackers (even if they manage to steal the data, it’s useless).

3.   Passwords

A strong and unique password for every online account is incredibly important in order to access your online finances. It’s an essential aspect of security in case one of your accounts (be that email, social media, etc) gets hacked. The hacker won’t be able to use the very same login details to login to your credit card or bank account, if you have different combinations for each account.

It’s hard to remember a unique and strong password for every account that you own, therefore, I recommend using an app like LastPass to store your login details. You can also use LastPass’ tool to generate strong passwords.

Two-factor authentication is also a great feature to opt for as it ensures a double check, for example, with a generator on your smartphone or other application.

4.   Download the Right Apps

Most people who manage their finance online use an application, such as a mobile banking app or a dedicated app from their credit card provider.

However, most people aren’t aware that many of these apps are not super tight on security. Of course, there are security protocols, but and increasing amount of hackers attempting to steal credentials raises the issue.

Never ever download a third-party mobile banking application that is not officially backed and authorized by your own bank. Especially apps with very few downloads, ratings and reviews are usually not apps you should opt for.

5.   Avoid Public Wi-Fi

One of the least protected networks you can join are free Wi-Fi networks, for example, Free Airport Wi-Fi. These types of Wi-Fi connections, without a required password to join, are extremely easy targets for hackers.

Never do your online finances while being connected to a Wi-Fi connection without a password in airports, cafes, trains, etc. If you do find yourself relying on these public hotspots in your daily routine, using a VPN is highly recommended.

6.   Alert

For most of your cards, you can enable alert options. Generally, activity alerts are not enabled in the default settings, so make sure to check and opt in.

That means you’ll receive a text message or email every time there’s activity on your bank account or credit card. Even buying a single coffee will trigger an alert. So, you can take immediate action when you receive an alert when you didn’t buy anything.

7.   Antivirus & Anti-malware

It’s almost too obvious to tell, however, you’d be surprised how many people fall victim to hackers simply because they failed to updated their protection software to the latest version.

Antivirus and anti-malware software providers constantly update their programs to patch out gaps and loops that could be exposed by hackers. So, you’re not doing this, you’ll be more vulnerable to hackers.

Always make sure to update your protection software to the latest version, preferably opt in for automatic updates.

Bill here from PixelPrivacy.com. My blog is all about making the world of online security accessible to everyone. I pride myself in writing guides that I’m certain even my own mom could read! Be sure to head over to my blog if you’re interested in keeping your private information just that: Private!