1 in 3 Millennials using retirement money to finance homes

1 in 3 Millennials using retirement money to finance homes 1 in 3 Millennials using retirement money to finance homes When you’re a cash-strapped aspiring homeowner, you may start digging through all your emergency funds to get the home of your dreams. In fact, a new Bank of the West’s survey of over 600 Americans ages 21-34 found that nearly 1 in 3 Millennial homeowners have used their retirement funds as down payments for their home.The survey found that Millennials are willing to sacrifice their far-off future for their homeowner dream of the present. Fifty-six percent of Millennials said that owning a home was a bigger priority than paying off debt or retiring comfortably. Is borrowing from your retirement a smart move? Experts have mixed feelings about this decision.Pros and cons of using retirement savings for buying a homeThe pros of using retirement money is dependent on if your home is a good investment or not. How long are you planning to stay in your home? Is this house in an up-and-coming neighborhood? What are rental prices like in your local area?

Why small businesses should always be hiring—even when they dont think they need to Why small businesses should always be hiring- even when they dont think they need to Why small businesses should always be hiring- even when they dont think they need to Small businesses can’t afford to be caught off guard with a hiring gap or shortage. The smaller a business is, the bigger the impact when you don’t have someone to do key tasks. This is particularly true in industries that are seeing talent shortages, such as manufacturing and even financial and business services, according to Korn Ferry. For businesses that need skilled workers, an open position can mean a weeks- or even months-long vacancy while a company locates and screens candidates. “What happens is that if they have turnover, or if they want to expand, they find themselves scrambling to figure out how to hire talent,” says Jill Johns, who runs a professional service provider consulting business outside of Savannah, GA.

Managing Your Personal Energy Gives You More Time Managing Your Personal Energy Gives You More Time No matter how well you schedule your time, if you don’t have the personal energy to fulfill your commitments things may not get done.  You will still attend meetings and outings, but you may not be fully present.  Instead, your brain will be a little foggy, and your body will slouch.  When you combine managing your personal energy along with managing your time you will become happier, fully present in the conversation, and effective.  What Is Time Management? Time Management is about planning how much time you have in a day for meetings, kid activities, meal planning and downtime to spend recouping from your day.

When to Change the Clock for Daylight Saving Time When to Change the Clock for Daylight Saving Time Daylight Saving Time begins in the U.S. every year on the second Sunday in March. It happens in the wee hours of the morning when many of us are typically asleep: 2 a.m. It ends on the first Sunday in November, also two hours after midnight.  If you have trouble remembering whether you need to set your clocks ahead or behind when Daylight Saving Time (DST) begins and ends, a catchy little phrase can help you remember: Spring forward, fall back. Here are a few other little details you might want to keep in mind.  Daylight Savings Time or Daylight Saving Time? Although many people refer to Daylight Saving Time in the plural - savings - its actually singular. Use Daylight Saving Time, not Daylight Savings Time.  Who Started This Anyway?  Benjamin Franklin has been erroneously credited with inventing DST. What Franklin actually said was that if Parisians cared to get out of bed before noon, they might save some money on candles.

9 Statements Intelligent People Don’t Say at Work Irrespective of how smart or intelligent you are, forget the praises of being a nerd or wiz, there are some statements no one should say at work.Let me make it clear from this point, there are some words you don’t want to say at your place of work or any former gathering.evalThis isn’t because you’ve sold your right to speak but based on the fact that they carry enough negative energy to paint you very bad, demoralize others or even get you fired in a jiffy.Aside from this, we all know once we speak, taking them back is impossible, we can only readdress them, instead of seeking redress, why not just avoid these words? There are times we spill incoherent political jokes, make jokes that are totally off point, or other shocking slips of the tongue, in as much all these make us one look comical for a few minutes.There are still heavier statements every career person or entrepreneur should avoid at the workplace or while discussing with leads or clients.