Need A Job?Written by Terry J. Rigg
Many of us could really use some extra income. We have enough to pay our bills and put food on table, but nothing extra. You could always go to work for McDonalds or Walmart, but with all of your responsibilities, is minimum wage worth it?There is one occupation that can be found in every city and town in US large enough to have a bank. You may not notice them, but they are there. I'm talking about Couriers. Many businesses have shipments such as paperwork, checks, etc. that need to get from one place to another quickly. A good example of this is cancelled checks. Most banks need their bank work picked up after business hours and other work returned before they open next day. UPS and FEDEX can't handle this. This is where courier companies come in. They provide routes that pickup and deliver 24 hours a day. Some have employees for their routes but most use contract drivers. Contract drivers provide vehicle and driver to run a scheduled route and cost company less than employee drivers. A contract driver is also responsible for all gas, maintenance and repairs of their vehicle. You usually don't receive company benefits like life and health insurance, paid vacation and paid holidays, however, there are several benefits to being a courier. You can normally expect to receive between 35 and 40 cents per mile. This doesn't sound like much but it adds up pretty fast. Even if you only run 100 miles per day, which only takes about 2 to 3 hours, you will have a check between $175 and $200 per week. Of course your expenses will have to be deducted from this. For a vehicle that gets 20 mpg, at $1.50 per gallon, your gas will only run about $37.50 per week.
| | Are You An Impulse Buyer?Written by Terry J. Rigg
Impulse buying is simply defined as making an unplanned purchase. This can be an extra pack of cookies when grocery shopping or buying a car on a whim. Most of us are guilty of this at one time or another. Even though term is simple, it probably accounts for majority of money problems family's have.Planning a purchase of any kind is absolutely necessary if you intend to use your money wisely. That extra pack of cookies I mentioned isn't going to break your budget, but with prices of groceries today, it doesn't take too many items to put a dent in your grocery allowance. However, buying a car without prior planning can get very expensive. Besides obvious things like finding best purchase price and interest rate, down payment, money for taxes and license, etc., you need time to decide which car is right for your family. The below list of tips may help prevent impulse buying: If you see something you like, leave store without it. Go home and look at your budget. Then if you feel you can afford it, go back. In addition, this will give you time to think about whether you really need it.
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