25 Before 25

by Jhonell Campbell 2. November 2015

Your twenties is a time of transition and also a great time to set the foundation for your life. Creating a list of goals has helped me keep track of where I am and where I would like to be in my personal and professional life. That being said, here is my list of twenty-five things to accomplish before the age of twenty-five:

Education

1. Earn a bachelor’s degree

2. Earn a graduate degree

3. Read at least 5 self-help books

Finances

4. Have at least 3 months wages in savings

5. Invest in the stock market

6. Own a car

7. Start retirement savings

Career

8. Expand your professional network

9. Earn a promotion at work

10. Perfect your professional wardrobe

Exploration and Adventure

11. Travel to Europe

12. Take a trip to Las Vegas

13. Go on a cruise

14. Take a vacation with your significant other

15. Go skydiving

16. Attend a music festival

17. Attend a wine festival

Service

18. Participate in a marathon or 5K for a good cause

19. Spend time volunteering to a cause close to your heart

Health and Well-being

20. Have a regular exercise routine

21. Develop a relaxing and healthy hobby

22. Learn how to cook more than the basics

23. Try a drastic make over

24. Let go of all people who no longer serve a positive purpose in your life

25. Most importantly, grow to truly love yourself

If you are already past the 25 mark, how many of these items were you able to accomplish before the age of 25?

What You Need to Know About the New Chip Cards

by Wade Barnes 19. October 2015

On October 1, there was a major shift in the way debit and credit card fraud is handled. If you didn’t notice the change, you’re not alone. Read on to discover how this shift could affect you.

Have you recently received a new debit or credit card in the mail? If so, it is likely enabled with new EMV chip technology. EMV, which stands for Europay, MasterCard and Visa, has become the standard across the globe for debit and credit card transactions. The United States is one of the last countries to adopt the EMV technology. The EMV cards, or chip cards, include a chip which reduces the risk of fraud. With the chip, each transaction has a unique code assigned to it, unlike the magnetic stripe that contains unchanged data that can easily be replicated. If someone were to steal the information from a magnetic stripe, the data could be replicated over and over again. If a fraudster stole chip card information, duplicating the transaction would never work because the unique code can only be used once. Essentially, the adoption of chips cards is an effort to reduce the significant amount of fraud seen in the United States.

If you haven’t yet received a chip card, don’t worry. If your card provider is opting to switch over to the EMV compatible system, you will automatically receive a new debit or credit card in the mail. It is the card provider’s responsibility to make the choice if their customers are going to have EMV compatible cards, which many already have or plan to do.

As of October 1, 2015, the way that fraud is handled with these new chip/EMV-compliant cards shifted significantly. Before October 1, if a fraudulent transaction using a chip card occurs on a magnetic stripe terminal (an establishment that had not yet switched over to EMV technology), the card issuer would be liable for the costs. Now, that liability has shifted to the merchant. Merchants can reduce their liability for fraud by installing the new EMV compatible payment terminals. Luckily, this shift does not directly impact consumers.

You can still use the EMV card on a traditional magnetic stripe reader. Because the EMV technology is so new and merchants are still adjusting, the chip cards that are being issued are equipped with both EMV and magnetic stripe capabilities.

Overall, consumers can expect little impact from these new cards and terminals. Consumers should be excited that steps are being made to protect them from fraud with no action or cost required at their expense. The cards are safe and a step forward in fraud protection in the United States.

Ways to Save on Halloween

by Bill Dennison 14. October 2015

Mariner Halloween

As much as it hurts to say it, summer is officially over. To help us cope with this fact, there are plenty of fall activities to look forward to such as: exploring corn mazes, apple picking, cider drinking, and eating pumpkin flavored everything. Perhaps one of the biggest events we have to look forward to in fall is Halloween!

While Halloween doesn’t quite stretch the wallet as much as the holiday season, the cost of costumes, candy, and other festive goods can really add up. Below are some great ways to save money and help make Halloween a little less scary this year:

Costumes

Anyone who has looked through Halloween costumes at the mall or department stores can tell you that they are not cheap. Luckily, department store Halloween costumes are not the only option! A homemade costume can be charming, cheap, and often better looking than a store bought one, even for those of us who are not the most creative.  Here are a few simple and effective ideas:

Witch: This old stand-by is a favorite. The best part is that there is no right or wrong way to do it. The only thing you need to buy is a witch’s hat. For the rest of the costume, an old, dark dress and dark leggings are all you need! (For an added effect, use a mascara pencil to draw age lines and boils on your face.)

Cat: There’s a reason this costume seems to be a big hit at the office: simplicity. Take a black headband and attach cat ears made of black felt to it. Then, find (or buy) a black sweatshirt. Now all you need is an eyeliner pencil to draw on the whiskers. This simple costume is really the cat’s meow!

Harry Potter: You don’t have to have a bank account as big as this boy wizard’s in order to pull off this costume! A black sweater, a red tie, and a pair of old glasses are all that is needed. Then, get out that trusty eyeliner pencil for the lightning bolt scar and you have your streamlined famous boy wizard costume all set!

Candy

Handing out candy for Trick-or-Treat can be just as fun as receiving candy. But buying all those fun-size candy bars can lead to a not-so-fun-sized bill. However, there are ways around having to skip a meal just to be able to afford candy for all the ghouls and goblins that come to your front door.

Instead of buying your candy at major department stores, consider buying it at local thrift stores. You can often find generic candy that is just as tasty yet not as expensive. Also, consider candy alternatives. While nobody wants to be the person handing out toothbrushes, you can often find packs of cheap Halloween themed toys or small packs or crayons that are perfect for handing out and giving everyone’s treat bag a little extra variety.

Decorations

Halloween decorations do not need to cost an arm and a leg. Your local discount store is sure to have some great decorative items and the best part is that most of them are reusable. Here are some suggestions of reusable Halloween decorations that you can find for less than $5: fake spiders, plastic pumpkins and styrofoam tomb stones.

Using these tips this Halloween will surely help you save a little money so you can keep the cobwebs for decoration and out of your wallet!



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