Finding appreciation and gratitude in this time of loss
| | | HerMoney Healthline: ‘Your Money or Your Life’ Author Vicki Robin on Appreciation
With the world turned upside down by the pandemic, we have the opportunity to examine our lives — and what we do with our money — with new perspective. Who better to guide us than Vicki Robin, co-author of the seminal book "Your Money Or Your Life," which challenged a generation to do just that.
Last October on the HerMoney podcast* Vicki spoke with us about the concept of having "enough." This week we reached out for her advice on how to appreciate what we have in these times of loss, and what to do if we’re struggling financially and emotionally.
Plus:
The Genius of Women, With Janice Kaplan
For this week’s HerMoney Podcast* we sat down with bestselling author and journalist Janice Kaplan who wrote, "The Genius Of Women: From Overlooked To Changing The World." Many of you may know Janice from her previous bestseller, "The Gratitude Diaries." Her new book details how generations of women have broken down seemingly unshakeable barriers, and the powerful forces that have rigged the system against us for centuries.
Jean and Janice talk about some of the surprising traits many female geniuses share, and how we can each tap into our own area of genius — our "superpower" — to be as strong and vibrant as we can be. (BTW: It’s time to turn off that "negative radio" in your head. The pair talks about how to blow through the negativity.)
In the mailbag segment a listener asks how security in high yield online savings accounts compare to traditional bricks-and-mortar bank accounts. And Jean and Kathryn field a question about the best place to save $100,000 to remain liquid over the next five or six years.
Buy a Mask From These Makers to Stay Safe and Support a Good Cause
Late last week the Centers for Disease Control issued guidelines for everyday Americans to begin wearing masks as a preventative measure against coronavirus. If you absolutely must step out of the house (for essential trips only, please!), you might as well face the world in a cute coronavirus mask!
We asked the HerMoney community and others to recommend mask makers that not only get the job done in style, but also support worthy causes with each purchase by donating masks or money to healthcare workers and others in need. Take cover with our roundup of mask makers.
The New Rules of Borrowing Money From Your 401(k) and Better Options to Consider
If there were no global pandemic, experts would be singing in unison to avoid borrowing money from your 401(k) or 403(b). But desperation and hardship are very real for millions of Americans right now.
The CARES Act makes taking a 401(k) loan more attractive if you need cash. You can borrow more and take longer to pay it back. But you’ll still pay a price for dipping into your retirement savings.
Here’s what you need to know about 401(k) loans and how to exhaust your other options before it comes to borrowing from your future.
HerMoney How-To: Credit Scores Explained
Although lenders are prohibited from making decisions based on a customer’s gender or marital status, it wasn’t always that way. Before the Equal Credit Opportunity Act of 1974, women were required to have a male cosigner on loans. Banks were also free to charge us higher interest rates or require us to put down larger down payments than men to get a loan.
There are still some disparities in the world of credit (mostly due to salary inequality). But when it comes to your credit score, all that matters is how you handle debt. We put together the HerMoney Guide to Credit Scores to help you optimize this all-important three-digit number and get the credit that you are due
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*This is a sponsored podcast, and it’s a part of a paid campaign with Fidelity Investments, which means we were compensated for this piece of educational content. Thanks!
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