Emily Co
Editor, Smart Living
career

12 Reasons Why You're Not Earning More, According to Science

Who doesn't need more money?


Who doesn't need more money? We've given you many ideas to earn extra income, but sometimes there are intangible factors you may or may not have control over that affect your salary. Thankfully, we have scientists hard at work in their labs trying to figure out the answers for us. Here are various results of research studies of the things that impact income:

  • Height: An Australian study found that 6-foot men earned $1,000 more than guys who were two inches shorter. "Taller people are perceived to be more intelligent and powerful," says the study.
  • Regular exercise: People who work out regularly, according to a study in the Journal of Labor Research, earn nine percent more than their couch potato peers. Perhaps your monthly gym membership is literally paying off.
  • Popularity in high school: Being well-liked in high school isn't something we can change right now, but if you were one of the cool kids, you're in luck. A National Bureau of Economic Research study says people who were among the top fifth most popular students in high school, earn a 10 percent premium on salary four decades later compared with the bottom fifth.
  • When you marry: College-educated women who marry past their 30s make more income, while men who marry earlier see more financial benefits, according to a study by the National Marriage Project. One reason could be: women who marry earlier tend to have kids earlier as well, which forces them to take a break from their career during a period when they'll see a lot of growth. As for men, perhaps those who marry earlier tend to be more secure and confident than their single friends, leading to higher productivity.

Read on for more.

Organization

Life Hack: Fold a Shirt in 2 Seconds

Folding clothes isn't exactly anyone's idea of a fun time, but perhaps it might be more enjoyable if you were able to do it in two seconds.

Folding clothes isn't exactly anyone's idea of a fun time, but perhaps it might be more enjoyable if you were able to do it in two seconds. Think about it. In the time it takes to gulp down some water, scratch your head, or unwrap a piece of candy, you could have folded one shirt! It's almost like a superpower. Get ready for this life-changing tutorial on folding shirts like a ninja:

Source: Howcast
job search

When You Should Accept Someone's LinkedIn Request

Being picky on LinkedIn doesn't make you a snob, it's just smart.


Being picky on LinkedIn doesn't make you a snob, it's just smart. After all, if you add everyone and their moms to your account, you're diluting the strength and integrity of your connections and network. How can you be a trusted connection if you had no idea your connection Jane Smith is a scam artist? It can be hard navigating the ins and outs of the professional social media network, so you should have a few ground rules for accepting LinkedIn requests.

You should only let a connection add you if she meets one or more of these requirements:

  • You've worked or communicated with the person more than a handful of times, and you like her professional attitude and track record.
  • You don't mind the connection tapping into your network.
  • The person is someone you would feel comfortable reaching out to for networking purposes.
  • She is someone you know in real life.
  • You want to help her out.
  • She is someone you respect and admire.
  • Someone you trust has referred her to you.

Don't feel bad if you decline someone's request; it's something that happens often, and you're only hurting yourself if you weaken your network. Adding and accepting a LinkedIn request is a gesture of trust, and it should be made with careful consideration.

career

Bob Greene's Advice For Busy Professionals Who Want to Be Healthy

With a cable network to manage, a school in Africa to run, and shows to host, Oprah Winfrey might just be one of the busiest women in the world.

With a cable network to manage, a school in Africa to run, and shows to host, Oprah Winfrey might just be one of the busiest women in the world. And as Winfrey's health and fitness adviser, Bob Greene is definitely used to guiding busy professionals. Greene says one of the biggest excuses people often give is the "lack of time." Here are some steps to living a healthier lifestyle even if your plate is full:

  • Prioritize and identify. "Prioritize what is most important in your life, and identify where you spend your time and energy. They should sync up! Before doing so, you might want to list all the things that are more important than your health and well being. When put this way, most people have a tough time justifying not having enough time to work out."
  • Reduce time spent on other activities. "Systematically look at the time that is spent in activities that don't lead to your specific goals or benefit your life in a meaningful way. Most people do spend some time in these activities and benefit from whittling them down to the bare minimum."
  • Build activity into your current schedule. "If you live close enough to work, walk or bike. Even shopping for groceries can be aerobic if done quickly enough, and getting it done faster saves more time! Take the stairs, park farther from your destination, wear a pedometer, these are all effective techniques to get more activity efficiently."
  • Practice eating healthy."While it probably does take more time to plan and prepare healthy meals, once you get your recipes and ingredients down pat, it does get easier and more efficient. There are a slew of new healthy cookbooks that have 10- and even five-minute meals. Acquire a repertoire of these recipes and cookbooks. Also, collect menus (from both take out and dine-in restaurants) so you know where to go and what to order ahead of time."
  • Get friends involved. "Partner with other health-conscious friends to share making dinner (or lunch) for each other. Each person can take a night where they are fully responsible for the entire meal. This not only saves time in preparation, you combine healthy dining with spending time with people in a social setting. Bonus because it's with people with similar goals of maximizing their own well-being."

Want more health advice from the wellness expert? Here's your chance to win a trip to Maui and meet Oprah and Bob Greene for a hike and to lunch at her farm.

Photo courtesy of of O, the Oprah Magazine

job search

Would You Refer a Complete Stranger For a Job?

I know everyone has their own rules on referrals, but personally, I only refer strangers if someone I know has sent them my way.


I know everyone has their own rules on referrals, but personally, I only refer strangers if someone I know has sent them my way. I tend not to refer complete strangers, unless we've met in person.

There are plenty of horror stories on how people's referrals end up being bad hires, which may make the referrer look bad. But then again, you could argue that it's nice to help people out, especially ones who aren't as lucky as you are and don't have a stable job. What do you think — would you recommend someone whom you don't have any ties to for a job?

career

6 Reasons Not to Send Professional Emails After Dark

We've all been there before — it's midnight when you suddenly remember a work email you promised to send at the end of the day.

We've all been there before — it's midnight when you suddenly remember a work email you promised to send at the end of the day. You're tempted to send an email right then and there because you either have a deadline, or you don't want to forget to send it again the next day. Before you make any rash decisions, stop and consider the situation. Unless the email is an emergency and you actually have people waiting to hear back from you, then I advise you hold off on it till the next day. It's also OK to send it if your colleague lives in a different time zone where it's daytime to your night. Here are reasons against sending late-night work emails:

  • They most likely won't read it until the next day. If it's related to work, many people often tune out of their work life once they are home. There are a lot of people who either resolve to not check their work emails after work, or not to respond to any work emails until they're back at the office. You're most likely not going to get a response if no one is waiting on you, so hold off on emailing until you're back to your cubicle.
  • You'll be reminding them of work during their downtime. Even if your colleague checks her email after work, you don't want to add an additional stressor and remind her of the daily grind that they're trying to escape from.
  • The a.m. time stamp is a little iffy. Even if you're more of a night owl, keep those habits to yourself and try not to send off an email at 1 a.m. It might make people wonder what you're doing up in the middle of the night.

Read on for more reasons not to send late-night emails.

Organization

18 Beautiful Ideas to Organize Mail

There's nothing more unsightly than piles of mail in your home, so try to find a better way to organize them that serve a dual purpose — make your home look neater, but more stylish at the same time.

There's nothing more unsightly than piles of mail in your home, so try to find a better way to organize them that serve a dual purpose — make your home look neater, but more stylish at the same time. Take a look at some mail organization ideas that might inspire you. They'll make you want to tackle your letters as soon as possible!

job search

7 Résumé Red Flags to Avoid

We all know how lying to your potential employer can create problems, but there are also a couple of résumé missteps you need to be aware of.


We all know how lying to your potential employer can create problems, but there are also a couple of résumé missteps you need to be aware of. Here are some red flags to avoid on your CV:

  • Spelling mistakes and other typos: If a recruiter spots typos on your résumé, she will assume that you don't pay attention to detail and you can possibly be careless, which isn't a very attractive trait for a job candidate. Keep reviewing your résumé for errors and ask at least three people to review it and give you feedback.
  • The wrong file name: Your recruiter will pay attention to this simple detail so include your name when you're naming the file. This helps hiring managers better sort through the mountain of résumés. Just imagine trying to find a file named résumé among dozens of similarly named files.
  • Tacky email: Make sure you're using an email address that's professional. If you don't have one that's appropriate, create one. Also if you're still at your current job, don't list your work email.
  • Résumé gaps: Gaps in employment are obviously noticeable, but don't fret too much about it because it's almost the norm in this economy. List what you've been doing on your time off if the activities are relevant to the position. Here are more ideas on how to fill the résumé gaps.
  • Irrelevant information: Having unnecessary information that's not related to the job is a waste of time for your hiring manager. Don't overshare — pick the right succinct sentences to showcase the skills that will be valuable in the position.
  • Being vague: It's always good to be specific and quantify your achievements so your story will be more convincing and believable. "Increased quarter one revenue by nine percent year over year" sounds a lot better than "increased revenue for the company." A résumé is always more compelling if you can back your achievements up with quantitative data.
  • Job hopping: Going through too many jobs in a short period can be a red flag for an employer. You may want to consider taking off jobs that you've only been at for a month or two if it doesn't pertain to the position or if you already have a pretty full résumé. If you're going to include the short-term positions, be very clear about the big contributions you have made toward the company, so the recruiter will see that you have added value to all your previous jobs even if they were of varying lengths.
Smart Stories

Do Cultural Activities to Increase Happiness and Other Smart Tips

Indulge in cultural activities: Go to the museum this weekend and get cultured.

  • Indulge in cultural activities: Go to the museum this weekend and get cultured. A study in the Journal of Epidemiology & Community Health found men who take part in cultural activities are more happy and satisfied vs. those who don't.
  • Add club soda to fluff up food: To fluff up food like pancakes, waffles, tempura batter, and omelets, use club soda instead of water or milk. It makes the end results fluffier and lighter.
  • Consider buying your ring from Costco: A diamond ring costs 58 percent more than its actual value at Tiffany, while another from Costco costs 17 percent under its real value.
  • Clean your bathroom in less than 15 minutes: Cleaning every day will also help reduce the time spent cleaning, so you may end up spending only 10 minutes a day cleaning your bathroom once you get into a routine.
  • Skip the car rental insurance: One of the most common credit card benefits that people often forget about is that most credit card companies will cover part of your car rental insurance if you book a car with their card. Decline the "collision damage waiver" insurance, and your credit card firm will cover any damage to your car or a theft of your vehicle that might occur during your rental.
  • Clean your feather bed at home: Wrap two tennis balls in the socks, add delicate detergent, then tumble dry for 30 minutes.
  • Include your maiden name change in the wedding announcement: The wedding announcement is a good place to inform people of your maiden name change.
  • Sell your TV on Craigslist: Although people sell their TVs on sites such as Amazon and eBay, the best place to unload them is Craigslist. After all, you can arrange for buyers to pick up a TV themselves, so you don't have to mail it off.
budget tips

12 Tips to Shrink Your Bill When Eating Out

Although staying in to eat is a lot cheaper than going out, foodies can't help but indulge in their favorite restaurants once in a while.

Although staying in to eat is a lot cheaper than going out, foodies can't help but indulge in their favorite restaurants once in a while. Food is one of the biggest joys in life, and nothing is better than sharing a good meal and conversation with the ones you love. In fact, the restaurant industry in America makes about $1.8 billion on a typical day, according to the Restaurant Association. That's a lot of money we're spending meals out! On your next food outing, be sure to keep these tips in mind to shrink your bill:

Use Coupons: Go to Restaurant.com and enter in a coupon code for restaurant.com that'll get you a $25 voucher for only $10. You can find the coupon code by searching online at sites like RetailMeNot.com. Buy a local Entertainment book worth $15 that will give you lots of buy one get one free coupons for restaurants.

Earn Rewards: Do your research on sites like Mint and Credit Card Guide and figure out which credit cards give you the best rewards for your diner bucks. Oftentimes, if you're a loyal member of a mileage program, you can even earn some miles by eating at the restaurants the airline partner up with. For example, Southwest has a Rapid Rewards Dining program that credits three points for every dollar spent with their restaurant partners.

Skip the Drinks: Sodas, alcohol, and other non-tap water drinks tend to be overpriced at restaurants. Get water with your meal, and if you're really itching for a particular drink, wait until dinner's over and head to a convenient store to buy it.

Order the Kiddie Meal: The meals for kids are generally cheaper and most of the times are the perfect size for adults! This option is also great for portion control and your wallet.

Read on for more tips to save when dining out.

career

9 Countries With the Best Maternity Leave Policies

All the talk about Yahoo's new maternity leave policy (16 paid weeks!) makes us wonder about maternity leave policies elsewhere in the world.


All the talk about Yahoo's new maternity leave policy (16 paid weeks!) makes us wonder about maternity leave policies elsewhere in the world. In the US, the Family Leave and Medical Leave Act dictates we should expect at least 12 weeks of unpaid maternity leave. Of course, not all American companies follow that to a T. Some, like Yahoo, provide more generous policies than the required minimum. But as you take a look at the list below, you'll realize that perhaps the tech giant is just catching up to the rest of the world:

  1. Sweden: 420 days, 80 percent of paid wages.
  2. Denmark: 52 weeks, 100 percent of paid wages.
  3. Serbia: 52 weeks, 100 percent of paid wages.
  4. United Kingdom: 52 weeks, 90 percent of paid wages.
  5. Canada: 52 weeks, 55 percent of paid wages for the first 17 weeks of maternity leave.
  6. Croatia: 1 year, 100 percent of paid wages.
  7. Albania: 1 year, 80 percent of paid wages before birth and for the next 150 days after birth. For the rest of the maternity leave, you get 50 percent of paid wages.
  8. Bosnia and Herzegovina: 1 year, 82 percent of paid wages for the first month, and 75 percent for the rest of the maternity leave.
  9. Norway: 46 to 56 weeks, 100 percent of paid wages if you take 46 weeks off but 80 percent if you take 56 weeks off.
Money

The 10 Credit Card Perks You Keep Forgetting

Credit card companies have got you covered in ways you may not know about.


Credit card companies have got you covered in ways you may not know about. Taking advantage of all these hidden perks may save you hundreds of dollars a year. People often forget about these perks because they may not take the time to read more about them. Do your research and make sure you know the details of what the particular credit card you own will get you, because they may have different perks or different restrictions. Here are some benefits that may slip your mind:

  • Car rental insurance: One of the most common benefits that people often forget about is that most credit card companies will cover part of your car rental insurance if you book a car with their card. Decline the "collision damage waiver" insurance, and your credit card firm will cover any damage or theft of the car that occurs during your rental.
  • Purchase protection: If an expensive item is damaged or stolen in a certain period of time, you may be able to get some or all of your money back. This applies to items you've charged to the credit card and can even include stolen cell phones.
  • Shopping discounts: Check out your credit card's website, and you'll see a variety of retailers you can get discounts at. They may include anything from car rentals to restaurant discounts.
  • Trip cancellation: Some credit cards provide trip canceling insurance, which can reimburse you for the cost of your flight if you cancel due to sickness or injury.
  • Lost luggage coverage: If your luggage has been lost, stolen, or damaged, your credit card company might cover a portion of it.

Read on for more.

Wedding

7 Tips to Informing People of Maiden Name Changes

Keeping or changing your maiden name is such a sensitive topic that it's hard to know when the appropriate time is to inform everyone.


Keeping or changing your maiden name is such a sensitive topic that it's hard to know when the appropriate time is to inform everyone. Do you tell them all at one go, or would you tell each person separately? Here are a couple of polite ways you can share the news.

  • Tread carefully with reception announcements. Getting announced when you're coming into your reception is a good way to let people know about changes to your last name. However, if you're planning on keeping your maiden name, Anna Post, the great-great-granddaughter of Emily Post, advises against being announced as Mr. and Mrs. Baker "just because you want to do the classic thing. People will be listening to how you want to be called as a married woman." If you are keeping your maiden name, just have yourself announced as your maiden name.
  • Include it in the wedding announcement. The wedding announcement is another good place to inform people.
  • Don't send out an email blast. Post advises against sending out an email blast to let people know whether you're keeping it. However, if people email you individually to ask, it's perfectly fine to respond via email.
  • Add it to the thank-you notes. When you're sending out the requisite thank-you cards to people who have attended your wedding, include your new last name if you're changing it, or use your maiden name if you're keeping it.
  • Prewedding chatter. It's probably inevitable that the maiden name question will come up when discussing wedding plans with friends, so that's another organic way of letting your pals know. Post says it's becoming somewhat of a standard discussion during prewedding conversations.

Read on for more.

Eco

The Definitive Guide to Selling a TV

If you're trying to sell a TV, you'll quickly realize it's a whole different ball game than hawking off smaller electronics, such as smartphones.


If you're trying to sell a TV, you'll quickly realize it's a whole different ball game than hawking off smaller electronics, such as smartphones.

First of all, the television is heavy and bulky, so it's going to be hard to mail it off to a third-party seller, and the shipping costs might be too high. The smartest option would be to sell it to the buyer directly. Secondly, there's a lot of information on selling gadgets, but not specifically TVs, which require a different approach. And lastly, it's hard to put a number on it because of the big discrepancy between prices in the used-TV market.

Where to Sell

Although people sell their TVs on sites such as Amazon and eBay, the best place to unload them is Craigslist. After all, you can arrange for buyers to come pick it up themselves, so you don't have to mail it off. Since it's also a potentially bigger financial transaction, you might prefer to ask for the payments in cash, which is possible with Craigslist.

Cut to the chase: Sell it on Craigslist.

Read on for more.