Harlan and Miranda, Author at Adulting - Page 3 of 16

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Credit is a lot like a game. You don’t want to lose. Read More...

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Everywhere you look, someone wants to know your credit score. The credit game is serious business. It can impact whether or not you can get a loan for your home, and can even influence your auto insurance rate in some states.

In fact, there is some indication that your credit matters when you’re looking for a date. Increasingly, the credit game is part of the dating game.

So, what do you need to know about credit? And how can you make sure that your credit is good credit? Harlan and Miranda tackle this issue in this week’s episode.

Concepts

Your credit report vs. your credit score.
The basics of how a credit score is calculated.
Different scoring in the credit game.
What has the biggest impact on your credit score?
How to check your credit report and credit score.
Tips for staying on top of your credit situation.
How to develop good credit habits that can result in a good score.

For this week, our DO NOWs are about making sure you are checking your credit and financial accounts regularly. Check your credit report, set up with a consumer credit site, and create a schedule for monitoring your accounts.

This week, a reader asks how they can repair their credit. With the credit game, though, you don’t always need someone else to take care of business. We talk about what a credit repair company can — and can’t — do.

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Resources

Check your credit report.

Credit scores matter in dating

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Unpaid internships suck. Make the most of a shitty situation. Read More...

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One of the common themes of the college experience is the internship. So often, it’s required to graduate. And, even if it’s not, many people feel like an internship is necessary in order to get practical work experience.

But just because an internship is necessary, it doesn’t mean that it’s actually useful. In recent years, controversy has surrounded unpaid internships, thanks to some shady practices by some companies.

Before you decide to go for an internship — especially one that’s unpaid — listen to this week’s episode.

Concepts

Advantages of some internships.
How to make good connections with an internship.
Drawbacks to internships.
The problems with unpaid internships.
How to make the most of your experience, even if the situation isn’t ideal.
A look at the federal guidelines governing internships.
Tips for managing an unpaid internship when you really can’t afford it.

This week, DO NOWs are about deciding whether or not an internship is worth it, and then taking steps to get the best possible position.

This week’s listener question deals with weighing the pros and cons of different types of internships. When does it make sense to take an unpaid internship over one that’s paid?

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Resources

Useless unpaid internships.

Are unpaid internships exploitive?

Government requirements for internships.

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Life doesn’t need to keep kicking you in the ass. Read More...

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Show Notes

Do you feel like you just can’t anymore? It doesn’t have to be that way. We talk to Michelle Jackson about building resilience. When life kicks you in the ass, you can turn around and fight back. It’s not easy. It’s not always fun. But it is possible.

One of the most important things you can do for success is to develop grit. Michelle has grit. She had to help support her mother, and she’s had her own share of setbacks. Find out how Michelle moved forward — see if you can learn lessons in building resilience in your own life.

Website: michelleismoneyhungry.com

Instagram: @michelleismoneyhungry

Twitter: MichLovesMoney

Podcast: Girl Gone Frugal (again)

https://www.facebook.com/groups/adult… https://twitter.com/adultingtv https://www.pinterest.com/adultingtv/ https://www.youtube.com/channel/UCaok…

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Hosted byHarlan L. Landes and Miranda Marquit
Produced byadulting.tv
Edited and mixed bySteve Stewart
Music bybensound.com

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Join other #adults who receive free weekly updates.

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Take your romance skills to the next level. Read More...

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Romance is important to a lot of people. But what happens when you’re not romantic at all?

Harlan and Miranda are both firmly in the non-romantic camp — and it’s caused problems in their relationships.

If you want to light a spark and help your partner feel appreciated, you need to figure out how to put a little romance into your relationship. Join Miranda and Harlan on a journey of learning as they explore ways they can be more romantic. And maybe you’ll learn something, too!

Concepts

What is romance? It means different things to different people.
A discussion of the five love languages.
How to focus on your partner’s style of love.
Romance isn’t the only thing in a strong relationship.
Tips for building a lasting relationship, even without an excess of romance.
What constitutes quality time together?
Ideas for sparking romance in your relationship.

We encourage you and your partner to take the free love language quiz this week as the first DO NOW. Other DO NOWs include using the information about your partner’s love language to do one thing for them this week and planning a date with your partner — one that’s out of the ordinary.

This week’s listener question addresses what you can do if your partner isn’t into romance or flirty fun the same way you are.

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Resources

The role of romance in a relationship.

The 5 Love Languages.

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For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

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You need a break from your hometown. Even if it’s only for a few months. Read More...

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Sure, sticking around your hometown will save you money. But it is a good idea for your long-term development as a grownup?

At some point, whether you wait until you finish college or take care of it sooner, moving out is an essential part of becoming an adult. Getting out of your hometown, even if it’s just for a year, can go a long way toward helping you learn new things and practice skills that can help you become an independent adult.

Concepts

Why moving out of your hometown can be an advantage.
The importance of gaining new insights and meeting new people.
How you can reinvent yourself away from stereotypes and baggage.
Advantages of getting out of your comfort zone and stretching yourself.
Tips for moving out in an affordable manner.
How to have cultural experiences without breaking the bank.
Making the most of your time away from your hometown.
How to decide when to move back to your hometown.
Coming back to your hometown after you’ve been away.

This week, DO NOWs revolve around preparing to move out. It’s about researching potential places to live, and figuring out how you can move forward with the experience.

This week’s listener question addresses feeling trapped. We look at how taking steps for moving out can help you move forward in your life — even if you can’t move out quite yet.

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Resources

The importance of trying new things.

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You have something to share. And it just might make you money. Read More...

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Show Notes

Today, Harlan and Miranda are joined by Monica Louie to talk about it can change your life to be your own boss, and how to build up the courage and strength to make the change. What does it take to leave the everyday world of working behind and make it on your own?

We’ll take a look at Monica’s journey, and what you can do to be your own boss. Plus, Harlan and Miranda share a little bit about their own journeys as well.

If you want to conquer Facebook Ads, take a look at Flourish with Facebook Ads, Monica’s new course. Monica helps Adulting.tv with our own advertising, which has been very successful.

Monica Louie is a Facebook ads coach and strategist who helps ambitious online entrepreneurs grow their impact and their profits with the power of Facebook ads. She has worked on more than 100 Facebook ad campaigns, including several traffic campaigns with cost per click as low as $0.01 and conversion campaigns with cost per result as low as $0.30. Her online journey began in 2015 when she shared how her family paid off $120,000 of debt in two years on a single, middle-class income. When she’s not playing in the Power Editor, she can be found hiking in the Pacific Northwest with her husband, dog, and two kids.

https://www.facebook.com/FlourishwithMonica/
https://twitter.com/MonicaRLouie
https://www.monicalouie.com/
https://flourishwithfbads.com

Podcast: Play in new window | Download

Hosted byHarlan L. Landes and Miranda Marquit
Produced byadulting.tv
Edited and mixed bySteve Stewart
Music bybensound.com

Like what you’ve heard?

Join other #adults who receive free weekly updates.

For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

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Insurance is the way you financially CYA. Read More...

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The best way to support Adulting.tv is to subscribe and leave us an honest review. Thank you!

Insurance feels like a waste of money. However, the reality is that you probably need it. Without it, your assets — meager as they may be — are at risk.

When you buy the insurance you need, you can cover your assets in many situations. Let’s be real: if you totaled your car, and you still owe money it, could you really afford to buy a new car right now? Plus, you’d still have a loan to deal with.

In this episode, we look at the disturbing reality that insurance is a necessary part of financial planning. In some cases (like health insurance and auto insurance) it’s even the law.

We’ll help you figure out what insurance you need to be effective.

Concepts

How insurance works.
Ways insurance can keep you from ending up in a worse financial situation.
Types of insurance required by law.
Insurance policies everyone should have.
Insurance policies that can be beneficial, depending on your situation, but that aren’t for everyone.
Types of insurance policies you should avoid.
Tips for figuring out what insurance you need.

This week, DO NOWs look at what you need to do in order to get the insurance you need. This includes writing down your needs, and documenting what you have in your home so you’re ready in case of a claim.

This week’s listener question looks at how you can feel better about the whole insurance thing. We look at ways you can get over the idea of “wasting” money on insurance.

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Resources

Adult sibling rivalry.

The benefits of sibling rivalry in childhood.

Like what you’ve heard?

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For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

More than 6.5 million people in Florida were instructed to evacuate before Hurricane Irma struck the state. Leaving everything behind is not easy for a family — and it’s not cheap. While insurance may cover damage due to the storm, how do you handle the expenses you have when you need to change your plans with a moment’s notice?

You need an emergency fund. It’s one of the first steps for preparing for the unexpected — and handling your money like an adult. If you don’t have an emergency fund yet, you need to start it now.

Here are some of the best banks for emergency funds today — because they pay out some of the highest rates.

My friend’s brother lives in Florida, and his home was hit hard by Irma. He, his wife, and his daughter secured their home as well as possible and left town, driving with thousands of others north, away from where the hurricane would do the most damage. Because he had an online savings account with CIT bank, an emergency fund for the family, they were able to come up with the money they needed to get out of town and stay in a hotel for a few days before reaching family.

Start that emergency fund now.

Add to your emergency fund little by little. Transfer a small portion of every paycheck. It won’t hurt you to miss 1% of your pay today, and it will help you later when you need to come up with money fast.

Could you make more money by investing your money in stocks instead of a savings account? Sure, but it could take more time to withdraw the value of those stocks when you need the money, and chances are good you’ll need the money at a time when the stock value is lower than you’d hope.

Add the taxes you have to pay on top of that, and it’s easy to see why investing is not a good option for money you might need in an emergency. That’s why high-yield savings accounts are the best options for emergency funds — like the one you need to withstand the next hurricane.

Choose a bank below to start your emergency fund.

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You can learn the hard way, by making more mistakes, or you can learn an easier way, with the help of a mentor. Read More...

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One of the best ways to get ahead in your career and in life is to learn from someone else. If you can find a mentor, you have the benefit of wisdom and experience.

But how does one go about finding a mentor? And what can you do to maintain a good relationship with a mentor?

Concepts

How it can help your business and life to find a mentor.
How a mentor can help your career.
Advantages of an outside view.
The importance of learning from others and benefitting from their experiences.
Tips to help you find a mentor.
How to get referrals from your networ for a mentor.
How to use mentorship to network and find new opportunities.
Tips for developing a good relationship with your mentor.
What you need to know about choosing the right mentor for you.

As you prepare to find a mentor, this week’s DO NOWs can help. Start by identifying one area of your life you want to work on, whether it’s money, career, or your health. Pick one area of focus. Write down the names of people in your network who can help in your area of focus. Ask one of the people on that list to lunch or coffee.

This week, our listener question deals with concerns about using a mentor someone else picks out for you. We talk about taking a chance, and how to identify if the mentoring relationship is going to work early on.

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Resources

Mentors can help your business.

Like what you’ve heard?

Join other #adults who receive free weekly updates.

For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

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Moving home can be a good way to get your feet under you. Just make sure you move home like a grown-ass adult. Read More...

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Once in a while, we present Adulting.tv LIVE! Subscribe on YouTube to hear about future events, and share your questions about or suggestions for our next discussions!

Show Notes

Does it really mean you’re a failure if you’re moving home? The good news is that it doesn’t mean it’s the end of the world. In fact, you can still be an adult and move back with your parents. But that doesn’t give you a pass to be lazy. Connie Albers joins us to talk about her experience living with her adult children.

Moving home can be a good way to get your feet under you when you’re in a tough spot. Today’s adults face many challenges not experienced by previous generations. We take a look at what it means to be an adult moving home, and how parents and grownup children can make the experience a good one that doesn’t keep you from developing as an adult.

Website: http://conniealbers.com/
Twitter: https://twitter.com/connielalbers

Podcast: Play in new window | Download

Hosted byHarlan L. Landes and Miranda Marquit
Produced byadulting.tv
Edited and mixed bySteve Stewart
Music bybensound.com

Like what you’ve heard?

Join other #adults who receive free weekly updates.

For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!