Greetings friends! After spending a decade at a couple of NYC’s top steakhouses, I managed to learn a thing or two. One night, I realized that in virtually every shift, at least 2 of my coworkers would pick my brain on how I managed to always get some great wines down on my tables, so I decided to put together a simple sales tutorial. My teammates found it very helpful, so I figured why not share it with you guys!…
Navient Corp., the nation’s largest student loan servicer, is facing three lawsuits alleging that it harmed student loan borrowers throughout the repayment process. The U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general sued Navient in January. Among other things, the CFPB alleges that since at least January 2010, Navient misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how…
We all know the drill, you get off of a double shift and you go home to a feast of night cheeses and pasta. Sooooo tasty but most likely as you lay down to snooze your stomach is flipping you the double birds. What’s a hard-working citizen to do?!?! Going to bed hungry is NOT an option. Feel free to toss out the age old idea that you don’t burn calories in your sleep. Your metabolism will certainly slow down…
Bikini season, right around the corner for wait, not you…your abode. That’s right our homes need to train for beach body weather too. Lighten your load and take a day or two to freshen up your space. I promise you will feel accomplished AF like the Power Rangers do after a day of fighting putty men, morphing into dinosaurs, AND battling the stress of high school. And you thought YOU were busy? I recently read “The Life-Changing Magic of…
The best financial advice tends to apply to pretty much everyone. You don’t need a spreadsheet of pros and cons and complex scenarios. What you need is a rule of thumb. There’s no shame in using one-size-fits-all advice. A study of West Point cadets, for example, found teaching rules of thumb was at least as effective as standard personal finance training in increasing students’ knowledge and confidence as well as their willingness to take financial risks. Researchers found money rules of thumb were…
Consumers have a new reason to check their bank accounts for fraudulent charges. On Wednesday, FICO reported the number of debit cards compromised at ATMs and merchant devices in this country rose 70% in 2016 over the previous year. And compromised cards can lead to money being drained from your account. The number of hacked ATMs and merchant card readers also rose, by 30%, over 2015, according to the analytics and credit scoring company. Criminals often attach skimming devices to…
For some people, debt leads to sleepless nights and anxiety about incessant collections calls. But for others, it causes quieter changes that still leave them drowning in bills without a clear way out. Understanding the ways in which your debt can affect the way you feel, think and act may give you perspective that’ll help you conquer it. Here are three subtle ways you may be responding to being in debt. 1. Defaulting to short-term thinking People who are in…
Five dollar party time peeps! If you didn’t see the challenge the rules are simple… Every time you get a five dollar bill SAVE IT. Hide it somewhere cool. Do not touch pile until a year has gone by. Feel magically richer after a year. #MAGIC The rules are so easy and the payout is the tits but why aren’t most of us doing it? Whether you play this game or not, it’s high time to start…
If you’ve ever had to dispute a charge on a credit card, fix a mix-up with your mortgage or stop a debt collector from hounding you, you’ve benefited from the work of a federal watchdog agency that is now under fire in Washington. The Consumer Financial Protection Bureau arguably has done as much to change the financial lives of consumers as any other government agency in history. Most Americans who have a credit card, bank account, mortgage, student or personal…
Being awesome is pretty darn awesome, but do you ever wonder, could awesome get more awesome??!?!? Can a level of awesome really be elevated to a new level of awesome? Is saying awesome so many times making you question what awesome even is or if awesome is even a word and WHAT ARE WORDS?!?!?!? Do you know the feeling of doing something so small but feeling like you are the fucking CEO of the world and if you…
