Changing Focus During The Covid-19 Pandemic: Your Work

The Corona Virus Disease (COVID-19) Pandemic causes significant changes to work environments. Those working see social distancing guidelines encouraged, personal protective items like gloves and masks worn, and reductions in the overall workforce. Others may be working from home or seeing schedule reductions, furloughs, or job loss from economic effects of COVID-19. We may benefit from shifting focus to work during these unprecedented circumstances.

If working, you may feel lucky to have income, but also vulnerable, since you risk exposure by going to work. Medical workers and emergency personnel made the decision to put themselves at risk to help others when their careers began, but now grocery, food service, and other essential employees may feel they are risking their health by working. If you are going to work, but feeling anxious or fearful about it, take some control by strictly following social distancing guidelines, washing you hands frequently, and wearing personal protective equipment when necessary. Stay informed by getting updates on COVID-19 from trusted medical experts, but don’t follow the constant news cycle about the virus during your free time, since being inundated with pandemic stories can be stressful.

If working from home, you may feel a sense of safety about your physical health, which could lead to increased productivity and good mental health. However, some will feel increased stress when thrown into a work from home scenario during the pandemic. Well-planned work from home situations can create up to a 13% increase in performance and a 50% drop in employee quit rates, according to Nicholas Bloom’s 2015 research. Unfortunately, today’s circumstances may include a lack of proper home office space, lack of privacy since the entire household is home, and a lack of control since working from home may be involuntary. Help yourself maintain structure by starting and ending in the same manner every day. For example, take 20 minutes in the morning to make coffee and check the news, then start working at a specific time. After your work day, take 30-60 minutes to exercise or prepare dinner. You would have been commuting to and from work under normal circumstances, so use this bonus time to set boundaries to your work day. Include regular breaks in your daily schedule and create an calm, comfortable workspace. Stay in contact with management to be clear about their expectations and goals during your time at home.

If you suffered a job loss due to COVID-19, remain diligent and patient as you work to secure unemployment insurance. Many states have long wait times to file and are dealing with websites that are crashing due to the unprecedented amount of claims. If you are in good health and want to work, many delivery and retail jobs are available at essential businesses. You may want to consider a short term loan to tide you over until work picks up or unemployment arrives. Many websites among other online options are available to help you through this difficult time.

How To Get Approved For Better Loans, Credit Cards, And Apartments

How does your credit score rank? Generally, 300-599 is considered very bad and 600-649 is considered poor. 650-699 is considered fair while 700-749 is considered good. A score of 750-799 is considered very good and a score of 800-850 is considered excellent.

Theres no shame in having one score or another, but having a better score can open up more opportunities for better loans and credit cards. Consumers with poor credit may only be offered credit cards and loans with higher interest rates. These same consumers are also at risk for being denied for much needed loans and rental applications.

Your previous payment history, the number of years of credit history you have, how much credit you currently have out, how many accounts youve recently opened, and how many different types of credit you have can all affect your current credit score.

Your credit score is determined by the three national credit bureaus in the US. The information that Equifax, Experian, and TransUnion collects influences your credit scores.

The good news is that payday loan providers like Net Pay Advance do not check your credit score. They know that sometimes life happens, and emergency expenses come up. Regardless of credit history, they just want to be able to help you get the cash you need before your next payday. For more information on these types of loans and how they can help you while you work on building better credit, you can visit

Ways to Improve Your Credit Rating

Use your current credit card(s) responsibly. Pay your bills in full and on time every month to avoid interest and additional fees. Credit cards are not free money. They should be treated as a bill. Keep a close eye on your receipts, credit card statements, and bank account. Make sure you do not purchase more than you can pay. If you dont currently have a credit card, you can apply for one to build credit. Credit Karma has tools to see which cards you will most likely be approved for. You will want to look at this list first before applying for anything because often credit checks can ding your score and drop you a few points. You will want to only apply for credit cards you have a good chance of being approved for.

If you have a family member that is comfortable with you having access to their card, you can become an authorized user on their current credit card, or open a new joint account with them. The good news is that if youre both responsible with paying off the credit card debt, you can both positively impact your scores. The bad news is that if either of you are irresponsible with paying off the credit card debt, you can both be held liable for that debt, and both of your scores can be negatively affected. One option would be to become a user on a card you dont have access too. For example, a parent or spouse may agree to add you to their card, with the condition that you never actually buy anything with it.

One of the best ways to improve your credit score is by paying off past debts. If you currently have credit card debt or a loan taken out, youre going to want to pay it back as soon as possible. Some of the most common debts that people have are school debt, medical debt, a mortgage, and car loans. Pay these off as soon as possible to save money on interest and give your credit a boost.

Keep your personal information secure so that you can avoid identity theft. If someone is able to get ahold of all your personal information, like your name, age, gender, address, and social security number, they will be able to take out credit cards and loans in your name. Of course, this action is illegal, but they could still rack up thousands of dollars in debt in your name before you even find out. Recovering from stolen identity can be a long and difficult journey, so be sure to shred your documents and dont share personal information.

Paying your other bills on time can show that youre responsible. Experian (one of the credit bureaus) allows you to include your monthly bills on your score. If you pay your utility bills on time, it could increase your score a little. However, unpaid utility bills that you default on could be reported to collection agencies, thus lowering your score. Either way, it is a good idea to pay your monthly bills on time.

No matter what youre score is, you can take small steps every day to make changes that can improve your score. Changing a credit score can take a long time, so you should work on improving it even if you dont need a loan right now.

The Basics Of Life Insurance

Life insurance is an agreement between an insurance company and an individual. The insurer promises to give a certain amount of money to the beneficiaries of the deceased when he/she leaves this world.

There are two types of life insurance policies; term policies which have a pre-determined length of the plan. If you die before the period is over, your beneficiaries are compensated, but if the policyâs period is over before you die, you will not be repaid. Whole life policies insure you for your entire life and only compensate the beneficiaries once the fact that you can no longer breathe is proved. The main difference between term policies and whole life policies is that the latterâs premium rates remain constant from the day to take on the plan while in the former the prices are set a little higher every time you renew the policy.

However, depending on the terms of the chronic policy illnesses may trigger the payments. The insured has to pay regular monthly or annual fees for the claim to be honored.

Other reasons could cause the claim to be discarded; they are usually included in the policy terms and conditions. The most common goals include; suicide or suicidal causes, fraud, riots, civil commotions, and riots.

Although mostly ignored, there are real benefits in owning a life cover the most important one is the peace of mind that comes with the policy. Suppose you suffer a chronic disease like saying â God forbid â cancer whose medication bites off a good chunk of your savings and leaves you on your deathbed, having a life cover policy would ensure you have peace. This is because you will know that you are not moving your family into a stressful life riddled with dialysis debts and no money for their upkeep.

Life insurance will also maintain a regular order of things. The lifestyle of your family does not have to be compromised because the familyâs breadwinner is deceased.

The type of policy you choose to take depends on a couple of things. On top of the list is the number of people you are providing for. If you have only one daughter who has a job, then the type of policy you can take should be a small one that would cover for the funeral expenses. This is because you do not have that many people depending on your income. However, if you have a home-spouse, three kids, and your parents all depending on you the policy you will be taking has to be a larger one. A whole life policy would be more beneficial in this case.

Life insurance quotes are the prices of the policies as per a specific company. These are also significant determinants of the type of systems you can buy. Your future financial commitments and your current income should be put into consideration when you are purchasing a policy. It should be remembered that in this case, a whole life policy would be the most appropriate.