Employee Offboarding Process – 15 Best Practices for a Positive Transition

A lot of employers put more focus on onboarding than offboarding. But creating a positive experience for departing employees can help to increase retention, keep morale high, and make for a smooth and straightforward transition.

As an employer, you may think you have nothing to offer an employee who has chosen to leave your company. You may even feel hurt or resentful. But it’s important that you put those feelings aside and focus on how to offboard your staff member without burning bridges and providing support and direction to all involved.

How to Positively Offboard an Employee

Here are some tips you can use to create an effective employee offboarding strategy as part of your company culture.

1. Consider Your Organization’s Reputation

Some employers are tempted to let personal feelings take over when an employee decides to leave, but turnover is inevitable in almost every company at one point or another.

Employees choose to leave for a variety of reasons, and it’s important that no matter why a team member decides to leave, you keep your personal opinions in check. Do this not only to encourage a positive offboarding experience for your exiting employee and the rest of your team but to build your company’s reputation as well.

Before applying for a job with your company, many potential employees will conduct a quick online search to see what shows up. If a negative Glassdoor review is front and center, and it details a poor offboarding experience, you’re likely to miss out on qualified, high-quality candidates.

Alternately, a former employee who has a large network or who is involved in different professional groups isn’t likely to speak highly of an employer who behaved carelessly during the offboarding process to other industry experts.

2. Meet With Your Exiting Employee

It may seem obvious, but you should meet with your departing employee after they give their notice. A friendly and informative meeting can help to set the tone for the rest of the offboarding process and let your colleague know where they stand.

Cover the following topics so that you’re both on the same page when it comes to offboarding expectations and responsibilities:

  • What you can do to help them
  • What they can do to help you
  • What you expect them to do before they leave
  • Whether they need to develop training material
  • Who will be handling their job duties

Remember to be kind, positive, and friendly during this meeting. The more support and guidance you offer, the more likely the employee is to help with training their replacement and wrapping up any final projects.

You can also use this as an opportunity to ask where they’re going, what their new position will be, and what made them decide to make a move. However, if you suspect that they’re leaving due to dissatisfaction or unhappiness, this is best left for the exit interview.

3. Meet With Your Team

When an employee quits, it affects your entire team. It can cause a lot of uncertainty and negatively impact morale and engagement. But one of the easiest ways to get ahead of any adverse effects is to communicate early and well with your entire team.

After you meet with the employee who is leaving and you’ve made a plan for handing off duties, you should plan for a group meeting with all of your staff members.

If you’d like, let your outgoing employee announce their departure at the beginning of the meeting and then go over any details that will affect the rest of the team, like your transition plan and whether you’ll be hiring a new employee to fill the open position or if you plan to fill the role from within your company.

This is also a good time to make a short, straightforward speech about your ex-employee by thanking them for their contributions and congratulating them on their new professional adventure. A supportive and encouraging message can go a long way, both for departing employees and your current staff.

Give everyone a chance to ask questions so that there’s no confusion surrounding any new roles or responsibilities within your team. Clear communication makes employees feel secure and eases changes in workflow and job duties.

4. Communicate About the Change in Staff

Once an employee leaves, you want to make sure that everyone knows they’re no longer with your company. This includes the rest of your staff as well as any clients, freelancers, partners, or business contacts outside of the company.

Send an email before your employee leaves notifying anyone relevant of their last day and who will be taking over their duties going forward. Make sure that the email is addressed to your entire staff, including department heads and junior employees. As much as possible, you want to ensure that no one is taken by surprise and that they know who to work with in the future.

Once your employee has left, set up email forwarding so that you can catch any important work-related emails that may be sent to their previous email address in error.

5. Keep Morale in Mind

The rest of the team’s morale can be affected when an employee leaves, especially if their coworker has a negative offboarding experience. Poor offboarding tactics — such as refusing to communicate, letting personal feelings get in the way, or failing to plan and organize a smooth transition — give the impression that you only value your team members as employees and not as people.

Alternatively, a positive offboarding plan can keep morale steady and show staff members that you genuinely care about them and that you take your role as a manager or business owner seriously.

Keep a pulse on morale to determine how your staff is being affected by your previous employee’s departure and address specific issues or problems by communicating openly and honestly with your employees.

If morale seems low and you aren’t sure what to do, try adding a few more ideas to your offboarding checklist to help with engagement and motivation.

6. Work With Your Human Resources Department

Your human resources (HR) department is an essential resource for both onboarding and offboarding.

For example, your HR professional can assist with:

  • Ending health benefits, share plans, and other financial paperwork
  • Ensuring a final paycheck is sent out
  • Retrieving company assets, such a security pass, key, credit card, or laptop
  • Removing access to company accounts and software once the employee has left
  • Conducting exit interviews
  • Creating a job description and recruiting for a replacement
  • Reviewing documents like a noncompete contract or nondisclosure agreement

HR can also provide guidance on how to keep communications positive and productive after an employee decides to move on.

7. Ask Your Departing Employee to Help With Recruitment

When an employee leaves, don’t only focus on transferring duties and redirecting workflow. Have your former employee help with finding their replacement. After all, who knows their job better than they do?

When appropriate, ask them to:

  • Write a job description to use in online job ads for new hires
  • Review resumes and cover letters from potential candidates
  • Sit in on interviews
  • Discuss whether any existing team members would be a fit
  • Meet with a recruiter or hiring manager to explain their role and responsibilities

Involving your former employee in the hiring process for their replacement helps you to find better, more suitable candidates who will have an accurate and realistic understanding of the open position.

8. Conduct an Exit Interview

Although exit interviews should always be optional, they’re an important part of any employee offboarding process. They are a great way to encourage honest feedback and learn where you can improve as a manager and as a company.

Think of an exit interview as an opportunity for you to learn about your employee’s entire experience with you — from onboarding and training to reviews, office politics, company culture, and everything in between.

Some exit interviews are conducted by managers and others by HR departments. It depends on how your company is structured. Regardless of the logistics, exit interviews should be reserved for the last day or two before you and your outgoing employee part ways. If done too early, the employee who is leaving may not feel comfortable being completely upfront about suggestions or complaints.

Although your exiting employee may not have anything bad to say, encourage them to share any tips or advice they have related to their position, the company, their team, or their manager. If they do share negative feedback, remember not to take it personally and to remain professional.

9. Offer to Be a Reference

Depending on your company policy about work references, you can offer to be a reference for your departing employee for future jobs. Knowing that they can rely on you to provide an honest, helpful, and professional reference is a great way to ensure that your employee leaves on a good note.

Most companies prefer that candidates use previous managers or employers as references, so by making the offer, you’re letting them know that you care about their professional future. Plus, it saves them from having to ask you, which can be difficult if they’re not sure where they stand after handing in their notice.

10. Get Your Exiting Employee’s Contact Information

Don’t forget to get your outgoing employee’s new contact information, like an email or mailing address in case you need to contact them with questions related to their previous role. For example, you may need to get in touch about their benefits or to ask about a company account or password. Although you can plan for a comprehensive hand-off, some details can get lost during knowledge transfer, so it’s important to know how to reach your previous hire for a quick question.

And, if they leave on good terms, you may also want to use it to send a friendly message or invite them to a workplace social event down the road.

11. Welcome a Return

Boomerang employees are workers who leave a company only to return later. These employees learned that the grass isn’t always greener and came back to work for you because they had a positive experience at your company. These employees can be a boon to you since they already know the ins and outs of your business, your customers, and the role they held at your company.

But you’ll only get boomerang employees if you facilitate and participate in a proper offboarding process and let outgoing employees know that they’re welcome to return in the future.

If you’re open to having ex-employees work for you again down the road, make sure to communicate that during your offboarding process so that they know it’s an option. If you don’t make it clear, they may assume that you’re not open to it.

12. Connect on LinkedIn

LinkedIn is an ideal way to follow your ex-employee’s professional progress and to get in touch about work-related questions, references, or job opportunities. If you aren’t already connected with your departing employee on LinkedIn, send them an invite. You can take things a step further by providing a written recommendation on the platform as well, which can give them a boost during job searches and round out their profile.

And, as a bonus for you, giving recommendations makes you look like a stellar boss to your ex-employee’s connections and network.

13. Plan an Event

Planning an event like a lunch or after-work cocktail can give current employees a chance to say goodbye to co-workers and end the offboarding process on a happy note. Offboarding can be hard for both your former employee and their team members, so offering everyone a chance to have a casual get-together to reminisce and wish each other well can be a welcome change from typical last-day scenarios.

Involve your team in planning the event, and try to choose a venue that your previous employee enjoys. If possible, have the company cover costs for a meal or appetizers to make it even more enjoyable for everyone.

14. Purchase a Gift

A personalized gift from the company is the perfect way to express appreciation and gratitude for your departing employee’s hard work over the years. Some gift ideas for ex-employees include:

  • A briefcase or professional bag
  • Gift cards to their favorite restaurants
  • A donation to a charity or nonprofit they care about
  • Gourmet coffee, tea, or chocolate
  • Personalized office supplies
  • A gift basket
  • A bottle of wine

You can also get a cake, a framed picture of the team, or anything else you think they might like. Talk to their work friends for ideas and choose a gift that’s both appropriate and fits your budget.

15. Send Around a Card

A card is a cost-effective and common way to bid farewell to an employee. Give the whole team a chance to write a personal message and sign their name by sending it around in advance. If you have a good relationship with your departing employee, you may even want to give them a card yourself, expressing how much you have valued them and enjoyed having them on your team.


Final Word

When you offboard employees with morale, engagement, and professionalism in mind, you reap the rewards of being a thoughtful and desirable employer. Your company’s reputation is a powerful tool in attracting and retaining quality hires, and how you treat previous employees can have a significant impact on how you’re viewed by potential candidates.

Keep your offboarding strategy professional, communicative, and positive to facilitate a smooth transition for everyone involved.

Source: moneycrashers.com

7 Hidden Sections of Amazon Every Shopper Should Know

Excited woman pointing at a laptop
Photo by Oleksii Didok / Shutterstock.com

You’ve hopefully heard of the Today’s Deals section of Amazon — we highlight the best of these deals for you every Friday. Maybe you’ve also heard of the Warehouse deals section, where Amazon offers great discounts on used goods.

But chances are good that you’ve never heard of some — or perhaps any — of the following sections of Amazon.

1. Cheap Reads

If you ever read e-books on any manner or brand of device, you need to get to know Amazon’s Cheap Reads for Kindle section.

There, you will find free e-books for Kindle, which is Amazon’s line of e-readers. But you don’t need a Kindle to read these freebies, as we detail in “This Trick Lets You Read E-Books Without an E-Reader.”

Just note that Amazon says free books sometimes vary in quality or don’t support all Kindle reading features. The retailer recommends first checking out reviews and ratings for free books you’re considering downloading.

2. Coupons

Perhaps you’ve seen a coupon attached to an individual product webpage on Amazon. But the retailer also has an entire Coupons section.

Yes — it’s what it sounds like: a hub for pretty much every coupon that Amazon is currently offering on any product. So, check it out before you buy anything on Amazon.

3. Best Sellers

Surely, you’ve heard of Amazon best-sellers. But did you know the retailer also has an entire Best Sellers section? It’s where you will find lists of the most popular items on Amazon right now based on the number of sales.

4. Most Wished For

Did you know Amazon also has a Most Wished For section? There, you will find lists of the products that Amazon users most often add to their wish lists or gift registries. So, “Most Wanted” might be a better name for this section. The Most Wished For lists are updated daily.

5. Gift Ideas

Still stumped over what to get someone as a gift? Scope out the Amazon Gift Ideas section. Here, you will find lists of the products that are most commonly ordered as gifts right now. These lists are updated daily.

6. Outlet

Amazon’s Outlet section, as you might guess, is basically the e-commerce giant’s equivalent of an outlet store — or perhaps more like an outlet mall. Here, you will find “discounts on thousands of overstock items,” Amazon says.

The Outlet section is clearly divided into departments, so you can easily hop right to the deals on, say, home goods or even groceries.

7. Amazon Renewed

The Amazon Renewed section is where the retailer sells refurbished goods — such as smartphones, computers and appliances.

“Pre-owned products on Amazon Renewed have been inspected and tested by qualified suppliers to work and look like new, and come with the Amazon Renewed Guarantee,” the retailer says.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

22 Last-Minute Valentine’s Day Gifts for 2021

Still scrambling for that perfect Valentine’s Day gift?

Wondering how you’re going to get your special someone something truly special — without spending a lot of money in the process?

Even if you’ve only got $5 in your pocket, you can still make this Valentine’s Day memorable.

22 Last-Minute Valentine’s Day Gift Ideas Under $5

We’ve already got you covered with at-home date ideas — for whether you are together in-person or far apart. Here are 50 last-minute gifts that all cost less than $5.

1. Playlist

Remember mixtapes? Bring that sentiment to the 21st century by making your special someone a Spotify playlist. You don’t even need Spotify Premium; just get the free version of Spotify for your desktop, build the perfect list and share it with your valentine.

2. Lloyd Dobler Serenade

This one works best if your Valentine is a fan of classic ’80s movies.

Take the iconic image of Say Anything’s Lloyd Dobler holding a boombox over his head as you model and get ready to tell your valentine that “In your eyes… I am complete.”

Use an actual boombox if you can get your hands on one, or pull out your iPhone and crank up the volume.

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3. Bulk Candy

Maybe your special someone likes jelly beans or chocolate-covered almonds. The bulk candy aisle offers plenty of choices for putting together a $5 gift that tastes better — and is much more personalized — than a cheap box of waxy Valentine’s candy.

If you’re giving bulk candy, presentation matters. Put it in an attractive bag or box, tie it up with a ribbon and make your gift as special as the recipient.

4. Handmade Card

A handmade card can often be one of the best and most treasured Valentine’s Day presents.

Anyone can go to the grocery store and get a 99-cent card with a pre-printed message. Only you can make a one-of-a-kind card with your own heartfelt statement of love.

5. Art

Do you have painting or sketching skills? Make your special someone a piece of original art. It’s hard to go wrong with a flattering portrait or a sketch of the place where the two of you shared your first kiss.

Your cost investment depends on how many art supplies you currently have around, but a hobby store often sells affordable individual sheets of art paper. Even an ink drawing on a piece of good paper can look beautiful.

6. Poem

Write your valentine a love poem. It worked for Shakespeare, and it could work for you. Choose one of the classic poetry formats, such as the sonnet or the villanelle, or create your own.

An elderly couple show affection to one another as the husband serenades his wife.
Getty Images

7. Song

Take your poem one step further by setting it to music. How many people get a song written just for them? Perform it for your special someone on Valentine’s Day, and you’ll learn that the best gifts don’t have to cost a thing.

8. Band Performance

Got a friend who can play bass and a buddy who knows the drums? Teach them the song you just wrote, or ask if they’ll be willing to help you cover a song that has a special meaning for you and your valentine. Then give your valentine a never-to-be-forgotten concert.

9. Request a Song

Sometimes the simplest gifts are the best. If your local radio station takes requests, request your special song. Text your valentine when it’s time for your song to play, or listen to it together.

10. Old Shirt Turned into a Pillow

Take an old T-shirt and turn it into a pillow. This Instructables guide will help you get started. You’ll need to get something to stuff the pillow with, which you can generally get at a craft store or even Target or Walmart for under $5.

11. Old Stuffed Animal

Nothing says “I’m in this for the long term” like “This was my old stuffed bear, and I hope you’ll love it as much as I do.”

Giving the gift of an old stuffed animal shows your special someone that you love and trust them enough to share one of your most treasured possessions.

12. Book 

Have a favorite book that you think your valentine will also love? Take it off your bookshelf, write an inscription and turn it into a gift. It’s just as intimate as giving a stuffed animal, and you can talk about the book together afterwards.

Don’t want to give away your only copy of your favorite read? Find it in a used bookstore. You can often get used books for under $5, and they make excellent presents.

If your special someone owns a Kindle, a Nook or another e-reader, there are gobs of books available for under $5. Look for the 99-cent listings so you can give multiple books and make your gift look extra-special. You can also look for deals from Bookbub.

A woman decorates heart shaped cookies for Valentine's Day.
Getty Images

13. Homemade Cookies

While everyone else is getting expensive bouquets delivered to their valentines, why not give your date a plate of delicious homemade cookies? You can also take these cookies with you for a picnicking or stargazing adventure.

14. Love Thoughts in a Jar

All you’ll need for this one is a jar and a few pieces of paper. Tear or cut the paper into strips and write something special on each strip. Then, fold the strips in half and put them into the jar.

When your valentine wants a little extra love, all he or she has to do is take a strip out of the jar and read one of your messages.

15. Book of Memories

Buy an inexpensive sketchbook or notebook. Then, fill each page with a memory — the place you first met, the first time you held hands, the concert the two of you attended last spring. Draw, write, glue in ticket stubs — do whatever you want to make this book a true book of memories. Chances are it will be an unforgettable gift.

16. Coupon Book

The coupon book is another classic gift that has almost become cliché. The secret to making it work is to put together coupons that your valentine actually wants.

Does your valentine like picking the movie you watch together? Does your valentine like not having to do the dishes? Choosing the right coupons is what makes this gift special.

17. Massage Night

Get some massage oil, put some towels over freshly washed sheets and give your special someone the massage he or she has always wanted. Look for resources online, like these massage tips from Canyon Ranch resort, that will show you how to give a safe, proper massage.

18. Shared Journal

Get an inexpensive notebook, write a journal entry and give it to your Valentine with the instructions to read what’s inside, write a new journal entry and give the notebook back.

Keep this pattern going until the notebook is full. A shared journal is a lovely way to write about hopes, dreams and plans for the future.

19. Love Letters

Have you read the book “The Wednesday Letters”? It’s the story of a man who writes his wife a new love letter each Wednesday.

Why not make this Valentine’s Day the start of a Wednesday letter tradition of your own? Give the gift of a love letter, and tell your valentine that it is the first of many to come.

20. Clean All The Things

Want a gift that your valentine will really love? Try a perfectly cleaned home.

Find an excuse for your special someone to be out of the house or apartment on Valentine’s Day morning and then scrub, wash, sweep and fold. Top it off with a few flowers in a vase or a plate of homemade cookies on the table.

21. The 36 Questions

If you read the Modern Love column in The New York Times, you might have seen the piece about The 36 Questions That Lead to Love.

These questions, which include “What would constitute a ‘perfect’ day for you?” and “When did you last cry in front of another person?” are designed to build intimacy and bring people closer together.

Spend an evening asking your valentine those questions — and answering them yourself — and it becomes an evening you’re unlikely to forget.

22. One Rose or Grocery Store Flowers

If you can’t afford a bouquet of roses, see if your local flower shop is selling single roses. A single red rose often says more than a whole dozen.

Even the most humble of grocery store bouquets can become beautiful with a little help. Take the flowers out of the plastic, trim them and put them into a vase. Or, if you don’t have a vase on hand, get a glass jar out of the recycling bin, rinse it out and put the flowers in.

Nicole Dieker is a contributor to The Penny Hoarder.

Source: thepennyhoarder.com

Mortgage Outlook: A Slight Uphill Climb for February Rates – Opelika Auburn News

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The average rate on the 30-year fixed-rate mortgage went up in January, but there's more to the story than that.

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February mortgage rates forecast

The average rate on the 30-year fixed-rate mortgage went up in January, after falling seven months in a row. But don’t fret. The story is more comforting than that.

The 30-year mortgage averaged 2.92% APR in January, up from an average of 2.88% in December. The benchmark mortgage rate had fallen every month from May (3.37%) to December.

Imagine January’s mortgage rates as a monthlong backpacking trip in the mountains. From the trailhead, the 30-year mortgage trudged up a long climb, then camped for about a week near the summit, then scrambled down a lengthy descent. The 30-year fixed ended January at a lower elevation than where it began the month. But because of the time spent near the mountaintop, the monthly rate average was a bit higher than December’s average.

January’s trajectory of mortgage rates didn’t track the headlines until the presidential inauguration on Jan. 20. The average rate on the 30-year mortgage fell that day and every day through the end of the month.

It mostly comes down to COVID-19

The economic data was overshadowed in a month filled with politics. The most important economic news arrived Jan. 8, with the December jobs report: The economy shed 140,000 jobs in the last month of 2020. The U.S. Bureau of Labor Statistics attributed the decline in employment to rising COVID-19 cases “and efforts to contain the pandemic.” Riffing on the same theme late in the month, the Federal Reserve said the economy’s path “will depend significantly on the course of the virus, including progress on vaccinations.”

» MORE: What COVID-19 means for mortgage rates

A small rebound in February

Unemployment remains high, a small but growing proportion of the population has been vaccinated against COVID-19, and the Federal Reserve continues to buy mortgage-backed securities to keep mortgage interest rates down. I predict that fixed mortgage rates will rebound in February, but not by much, rising less than a quarter of a percentage point. Rates are more likely to go up than down because an increased pace of vaccinations will give hope of an improving economy. We’ll probably see job growth when the January employment report is released on Feb. 5.

Lower rates increase borrowing power

Interest rates fell in 2020, mostly in response to the COVID-19 recession. Mortgages were the most prominent participant in the lower-rates derby, falling almost one percentage point from January 2020 to January 2021, from an average of 3.86% to 2.92%.

That magnitude of a rate drop boosted the amount that home buyers could borrow to reach the same monthly payment. Someone buying in January 2021 could borrow almost $40,000 more with the same $1,500 principal-and-interest payment. That’s the difference between a mortgage of $319,600 and one of $359,500.

Average rate

Principal & interest

Amount borrowed

Just for grins, let’s compare today’s borrowing power with that of 30 years ago. The average rate on the 30-year mortgage was 9.61% in the last week of January 1991, according to Freddie Mac. In those days, a buyer borrowing $176,700 could expect a $1,500 principal-and-interest payment.

If that 1991 buyer were a parent to a toddler back then, their grown-up millennial could borrow more than twice as much today with the same payment because mortgage rates have fallen more than six percentage points. That’s fortunate, because house prices have more than doubled in 30 years. The median new home cost $127,000 in December 1990 and $355,900 in December 2020, according to the U.S. Census Bureau.

No stats are available on the price of avocado toast then and now.

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This Gift Really Will Last a Lifetime

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Photo by Subbotina Anna / Shutterstock.com

Want to give the perfect gift? Give something that will last a lifetime: the gift of understanding money.

There are few things more important than financial knowledge, because it’s something that can alter the path of your life. It can make the difference between getting rich and just getting by.

Hyperbole? Not at all. For example, if you save $500 a month over your 40-year working life and earn 5% on it, you’ll end up with a nice nest egg: about $725,000. But if you can double that return to 10%, you’ll retire with about $2.7 million.

Would an extra $2 million change your retirement?

Or consider credit. As I write this, a person with a credit score in the highest range can borrow money for a 30-year mortgage at 2.376%, on average. A person with a score in the lowest range would pay 3.965%. Not much of a difference, right?

Well, if you borrow $300,000, getting the lower rate would mean paying about $94,000 less over the life of the loan. That’s enough to put your kids through college, start your own business or retire earlier. And all you had to do was have good credit.

These are simple examples of how learning leads to earning.

Skills like managing debt, building credit, developing a spending plan, buying a house, investing for retirement, planning your estate, financing college and reducing your tax bill will do more than just make you, or your gift recipient, richer.

They’ll also lead to making solid decisions and realizing goals, which reduces stress and enhances confidence.

Feeling in control means feeling better about life.

In short, financial knowledge will change your life — physically, financially and emotionally.

All of which begs the question: If knowledge of personal finance is critical, why do so few of us take the time to learn it? I think there are three reasons.

Why we don’t learn financial fundamentals

First, traditionally, personal finance hasn’t been taught in schools, so few develop a foundation. Thanks to organizations like the JumpStart Coalition and the National Endowment for Financial Education, this is starting to change, but that does little good for those of us long past school age.

Second, too many of us don’t understand the impact that small amounts of money can make over long periods of time, so we don’t bother to learn the fundamentals.

Finally, there are those who simply think studying money is like studying medicine: too complicated to easily grasp. When the subject comes up, their eyes glaze over. They develop a mental block that lasts a lifetime.

Sound familiar?

How to master money

The ultimate solution for personal finance education is for everyone to take “Personal Finance 101” in high school, then perhaps “201” in college. But until that’s an option, it’s up to you to master money on your own and help those around you do the same.

One way to get educated is to do what you’re doing now and regularly check out sites like Money Talks News. (Sign up here for our FREE newsletter for great info daily!) Another, more direct, route is to take a course specifically designed to teach you everything you need to know.

That’s why I created one. It’s called Money Made Simple.

Money Made Simple is an online course — no waiting for books in the mail! — with lessons on 13 key financial topics featuring short, easy-to-watch videos, as well as jargon-free articles and worksheets. The chapters cover everything you need to know about:

  • Setting and achieving goals
  • Organizing your finances
  • Budgeting
  • Living more while spending less
  • Banking
  • Destroying debts
  • Credit
  • Buying and owning cars
  • Income taxes
  • Real estate
  • Estate planning

Money Made Simple isn’t the only “personal finance 101” course out there, but I think it’s one of the best. And it’s the perfect gift, since, for a limited time, it’s also one of the least expensive courses out there.

You can now purchase it for yourself or as a gift for only $9.99: That’s 90% off the usual $99 price! (Note: This is a limited-time offer that can change anytime.) The course is also guaranteed: If you’re not happy, let us know within 30 days, and we’ll refund you — no questions asked.

Ready to invest in yourself or help someone else?

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Source: moneytalksnews.com