Tagged With twocents

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You might not think of airlines offering deals Black Friday and Cyber Monday — usually the deals are on appliances, clothes and tech, right? But if you have a trip in mind and want to save a bit on airfare, research from different travel companies indicates you might want to check out the deals set to occur over the next week.

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Unless humans transform the economy in such a way that has “no documented historic precedent”, the earth will experience “worsening food shortages and wildfires, and a mass die-off of coral reefs as soon as 2040,” according to a report published Monday by the United Nation’s Intergovernmental Panel on Climate Change.

And with a government hostile to any sort of climate change initiative, individuals are wondering what they can possibly do to help the planet.

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When you're going about your day-to-day, it's easy to put important questions about your career - what you really want to do, how you get there - on the backburner as you complete the tasks you need to get done now. And who wants to think about work in the few hours we have off?

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While I'm a freelancer by choice (and I absolutely love it), I've also experienced some major hurdles with self-employment. The picture isn't so rosy for everyone. For many people, freelancing is less an opportunity and more a burden.

The freelance economy is complicated, so if you're a part of it, let's break it down.

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In the media world, working for free is not unheard of. Writers, reporters, editors, photographers and, shudder, “content creators” are routinely told to contribute for the exposure, credit, for whatever - as long as it’s not for “money”. Once you’ve done that for...well, it is unclear how many years, exactly, but once you have “paid your dues”, these professionals are told, then maybe you will be paid. This is patently bullshit exploitation.

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Should you pay off debt, or save for a rainy day? Knock out some of your HECS debt, or put some extra money toward your credit card debt? Focus on your savings account, or save for retirement?

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With a few clicks of your keyboard, you can find hundreds of opinions hashing out the best ways to live and be and do. Travel, spend money, invest, be productive, structure your day, listen to music, brine a turkey — there’s a right and a wrong way for everything, and god forbid you use the wrong credit card or incorrectly word an email given the breadth of resources at your disposal.

With so much information out there on how to optimise, well, everything, there’s just no excuse to do something in a way an expert deems substandard. What if you take a route not recommended by Google Maps and end up at your destination four minutes later than you would have if you followed the AI’s instructions? Quelle horreur.

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Automation is one of the most important tricks to getting your finances in order. Having auto-deposits to a retirement or other investment account and transfers to a savings account are proven to get people to save more, while auto-bill pay can help individuals cut back on late fees and boost their credit scores.

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In the quest to ring out as many pennies as possible from customers and compete with budget airlines, three US carriers — American, Delta and United — now offer three distinct levels of Economy class tickets, and the differences between the tiers are potentially equal to hundreds of dollars in ticket fares. If you're planning a trip to the US any time soon, here's what you need to know.

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You’re likely familiar with money laundering as a concept from your favourite TV show or the news. Whether it’s Walter White legitmising meth money via a carwash or Al Capone using literal laundromats to clean his cash (which is where the term reportedly originated), it’s the stuff of pop culture and criminal legends.