Category Archives: Personal Finance

4 Careers for Excellent Communicators

Are you a natural people-person?  Does the sound of working in and among jobs where you are constantly connecting, sharing, and creating ideas with other people thrill you?  People skills can seem undervalued by society as a whole, and yet job applications list time and again that they need good communicators.  Perhaps you should play to your strengths and choose a career that will utilize your skills.  After all, it has been said that a job feels less like work if it utilizes your true skills.  If you need guidance in where your soft skills are strongest, try the Gallup StrengthsQuest strengths assessment to gain insight into who you are, where you work best, and how your strengths can contribute to a team and better relationships.  If you already know that you excel in communication, here are the careers that will best suit you.


Every aspect of a career in law—whether you become a lawyer, a judge, a court reporter, correctional officer, or any form of law enforcement—requires excellent communication skills.  As a lawyer, for example, you have the future of your client in your hands.  From start to finish, you will always be connecting with your client, the judge, and the jury.  First, you will have to speak to your client and hear their case.  Then, after examining the evidence, you will have to formulate a case that protects your client’s constitutional rights and brings justice.  With a strong handle and reverence to Constitutional Law, you can use your persuasive communicative abilities to explain your case to the judge and jury.  In addition, you must have a capacity and passion for debate.  Effective debate skills and communication skills will make you a force in the realm of law.

Marketing Strategy

Marketing is another job that requires a strong ability to connect with others.  Those who become successful in marketing love thinking of new ideas and collaborating with a team to create a new and innovative communicative strategy.  The primary duty of a person working in marketing is to persuade and appeal to an audience to sell a product or service.  You must be able to gather and interpret data about the dynamics of different demographics, and gather their likes and dislikes.  Then, you must take that data and formulate concepts that will charm the audience.  Marketing jobs can take the form of creating internet ads, reviewing products on a blog or Youtube channel, and even directing commercials. Check out and find a career that suits your aspirations.


Communication is absolutely crucial to effective teaching.  Unfortunately, many kids experience teachers who do not know how to teach to their appropriate learning level or apathetic teachers who do not care to learn new methods or expand his or her perspective to the needs of a child.  Teachers who know how to relate to children and teach to a student’s abilities are highly sought after in the field of education.  If you enjoy children, whether they are preschoolers or are in high school, you can put your skills to good use.  While almost any degree can prepare you for education, if you want to work with children in grade school, many districts require that you have a bachelor’s degree in early childhood education.  An early childhood education degree at GMercyU will help prepare you to shape the young minds of the future.


While the current job market for journalism is tumultuous, the need for professionally trained, educated, and qualified journalists is higher than ever.  In our ever-expanding world of technology and social media, the idea that everyone can be a journalist has become a troubling phenomenon.  Now, anyone can become a journalist by posting a photo or video as an event happens live.  Unfortunately, without proper education, an untrained journalist will not know how to research a situation and critically analyze information to report responsibly.  If you like to be in the heart of the action, pursue a master’s in journalism at Northwestern University to make you stand out among the competition.

If you’re an excellent communicator, you’re well prepared to pursue a variety of careers. Find success in numerous fields and industries, and determine which path is the best for your skillset.

Finances During Disability

Recently a friend’s amily member of mine became ill. They had a stroke that has affected their everyday life in a major way. The positive side of this medical incident is that he is alive and he is doing well. He is still able to move and function but his mind is just not the same. His main obstacle is his vision impairments that are a complication of the stroke. Besides his medical recovery, his finances are a big concern for his family. He owns his own business and is the sole provider for his family. Since he can’t see properly and his brain is still healing, he can’t work. If he can’t work, what will they do financially as a family? This really has me thinking about properly setting up a family to survive in a crisis.


Having a substantial savings is the key for a situation like this. Most people (including myself) think disability is easily accessible, but that is not the case. There are a lot of hoops to jump through to actually get disability. By having money saved you can at least survive while your situation is being assessed.


Obviously having a large savings is easier said than done, so what is a normal family to do? One option that comes to mind is Payment Protection Insurance or PPI. PPI is an insurance product that basically insures that your debt will be paid in the event of certain circumstances (i.e. death, illness, job loss). These plans are usually lumped in with debt like mortgages and credit cards. An additional fee is added to the payment each month to cover the cost of this insurance.

In this situation, this product sounds like a perfect fit. However, this product has caused a scandal throughout the UK. Consumers are being sold policies with their debt products without even knowing. Sources say that around 40% of PPI policy holders were not even aware of their policies! Because of this, there are businesses that can help you file claims to get back the money you didn’t even realize you were paying. I found this one site, that offers a competitive low fee service that sounds quite appealing.

Disability Insurance

By having private disability insurance, you can ensure you and your family are taken care of in a time of crisis. It is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. Like with any insurance, you are running the risk of shelling out money and never having to use it. This is a decision you have to make as a family to see if it is worth it. As you get older, this is something that may be a good option.

Overall, there are different options out there to cover you and your family during a medical crisis. The key is to acknowledge that it is a possibility and to plan for such incidents before it is too late.

What You Need to Know About Logbook Loans

Upheavals seem to strike the financial situation of most families over and over again during the past decade due to several economic changes and declinations. The middle class usually suffers the most, as the monthly salary of most individuals does not keep up with the unexpected rise in expenses. From bills to necessary purchases, the costs drain those that try their best to stabilize their financial situation.

Many find themselves facing terrible financial difficulties; and, turning to traditional sources of financial assistance, they get turned down by the rigid routine of such companies, which usually demand too many documents that are kind of impossible to obtain. With that being said, many find themselves looking for other alternatives that might get them out of their financial hardships.

Some choose to apply for a short-term loan or a payday loan to get cash as quickly as possible. However, it seems that such options might be disliked by some as the interest rates are rather high when it comes to short-term loans. The most popular alternative to these kinds of loans are logbook loans; and that’s why we chose to cover this area for you in order to acquire the proper knowledge regarding logbook loans.

  • What is a Logbook Loan?

For you to understand the meaning of a logbook loan is to think about the main concept of a loan. A lending service conducts its business through a simple tactic: they provide the customer with an amount of money for a period of time, provided that the client has the means or the papers that guarantee the reimbursement of the borrowed money, in exchange for an interest rate. Logbook loans follow the very same concept, but with a minor difference.

The lending service of a logbook loan borrows you an amount of cash that is guaranteed by your owned vehicle. The company usually estimates the value of your vehicle according to certain measures, and lends you the amount you ask for, given it is within the limit of your vehicle’s value. The lender usually, in simple words, owns your vehicle as long as your debt in not yet repaid; but you get to use your car during the time you both determine for debt instalments. Each company has its own terms of services, interest rates and specific requirements for a logbook application. You should do a thorough research before going down that road.

  • Do I Really Need One?

That depends on many factors. If you are in terrible need of a cash flow, maybe for a certain kind purchase or to pay off another debt, it might be the most feasible option there is. Logbook loans provide you with fast cash to get you out of your financial difficulty, which is contrary to traditional banking processes. What troubles some people about logbook loans is that the provider of your loan gets to own your vehicle in case your debt is not repaid. If you are quite certain that you would be able to repay your debt, this should not be much of a concern for you.

  • Is It Easy to Apply For?

As most companies consider the situation of their clients, the process of a logbook loan is quite simple. For example, a company like Logbook Calculator offers the first step of their lending process over the phone. They usually send an agent of theirs to inspect your vehicle and to complete the process of your logbook loan. You should go through the requirements and the terms of use of whichever company you choose for your loan before you apply.