The economy is still in a slump, and it may seem that asking for a raise would be more of a faux pas than a smooth move. There are reasons why a company would be more likely to consider bumping up your salary, however, and you can use these to your advantage. Here are a few polite, yet effective, methods you can use to put more cash in your pocket.
Assess Their Need – And Capitalize
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If you’ve been nervously checking your investment accounts and looking up your home’s estimated value a lot more than usual lately, you’re not alone. I’ve been fretting over the unsold houses on our block for months now. Even though we have no plans to move, just the idea that we most likely wouldn’t be able to sell our house for months, even years if we had to move is not a comfortable feeling at all.
Whether the powers that be want to call it an official recession or not, times are tough and the air is this with feelings of uncertainty and panic. It sometimes feels like we can never do enough to feel completely safe. While we’ve always been at the mercy of outside forces, tough times like these seem to hit us over the head with just how very vulnerable we are.
While you can’t ignore reality, you also can’t let financial anxiety take over your life. That’s no way to live. If you’re having a hard time keeping a sense of perspective, here are three suggestions to help you through:
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Banking has come a long way from the single branch brick-and-mortar offices that used to be in every town and community. ATMs, online banking, and direct deposit are all innovations that old time banks could never have imagined. On one hand, the growth of national (and global) banks has opened up many opportunities for the average checking account holder. However, small local banks is still a solid option – it just depends on what you need from a bank. If you’re looking to open a new account, it can be tough to decide whether to work with an internet only bank, a small local operation, or a behemoth national bank. Here are some of the pros and cons of each type of institution:
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Mortgage rates are near historic lows. Predictions that credit downgrade for the U.S. would send mortgage rates soaring haven’t come to pass (not yet, at least). So far, there are still chances to get incredibly low mortgage rates, whether you are buying a home, or refinancing your current mortgage. However, before you get too excited about the latest mortgage rates, it’s important to understand some of the mortgage basics. Here are 3 mortgage myths you should not believe:
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Eventually, everybody needs to replace his or her windshield wipers. You can purchase a really cheap set at the local mega-mart, or you can spend $20 or more per blade. The question is how do you combine savings and quality in a way that avoids the need to replace your blades every other week.
Odd as it may seem, a relatively large percentage of drivers don’t know how to change their own wiper blades. This is a relatively simple task, although it can vary a bit from car to car. Get out your owner’s manual and learn. You will get charged a lot more for the same blade if you ask the garage to put them on for you.
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