How to Become a 911 Operator

Ever consider what it’s like to be a 911 emergency operator?

Well now’s the time to think about it. The job is in high demand these days and it doesn’t require a college degree, saves lives and is never boring. The average starting salary is $38,000 and the national average pay is about $48,000, which isn’t super high but the job usually has good medical benefits.

In most states it takes about four to six weeks to get certified and then several months of on-the-job training. New hires are paid while they are trained.

Yes, there is certainly stress involved, but agencies have services to help employees deal with that. And not every call is a life-or-death situation; there are plenty of non-emergency situations such as stolen cars or lost dogs.

St. Johns County in Florida is just one of hundreds of agencies across the country looking to hire so-called “heroes in headsets.” It’s offering a starting salary of $41,000, which is boosted with overtime. There’s also a bonus of $2,000 for completing the certification.

“There has been a need for 911 professionals for as long as I can remember,” said April Heinze, Operations Director for 911 and Public Safety Answering Point at NENA, the National Emergency Number Association. That need has become much greater with COVID-19, which discouraged many from working in office settings or high-contact jobs like public safety. Thus the pool of potential employees has gotten smaller. “You’re starting to see more and more municipalities offering signing bonuses to encourage people to apply.”

For the right person, a job in emergency communications can become a rewarding career. As with healthcare, working in public safety is a chance to help people in need.

“When you go home at the end of your day you think about all of the people you helped. You may have saved lives that day. You are able to do a large amount of good on a daily basis,” Heinze said. Her organization represents tens of thousands of 911 first responders.

Here’s a link to 911-operator openings in each state. This isn’t comprehensive, however, so check the municipalities near you about openings, which are sometimes described as emergency dispatcher or 911 dispatcher.

How to Become a 911 Operator

First, be 18 and have a high school diploma or GED. The hiring process involves pre-employment testing and interviews. Most states have training requirements of four to six weeks in person or online. After that, employees train on the job for six to 12 months. Expect a drug screening.

Pros of Being a 911 Operator

The pros of being a 911 operator include good medical benefits, paid vacation time, job satisfaction especially if you like to help people and a lively workplace. It’s a job that’s rarely boring.

Good Benefits

The most common employers are police departments, public safety departments, fire stations, and emergency management call centers. Aside from a few nonprofit organizations, most of these agencies are operated by municipalities.

“In many cases there are many really good benefits. Some localities still have great retirement benefits. You typically get decent sick time and vacation time and can earn other types of time off as well,” Heinze said. “There’s opportunity for overtime and holiday pay. You get paid holidays off and may end up getting double time if you work on a holiday.”

Job Satisfaction

There’s no going home wondering if you made a difference in the world. “You have a great sense of self worth. You are able to do some fantastic things in your day,” Heinze said. “You make a difference in many people’s lives in one day’s time on a weekly and monthly and annual basis.”

Exciting Work

Along with the above tasks, emergency dispatchers must analyze situations and consider what more could be happening. Heinze pointed to a scenario in which a caller complains that her neighbor’s dog is barking incessantly. The 911 dispatcher has to figure out whether the dog’s owner could have had a medical emergency or there could be a break-in taking place.

Major Multitasking

This can be a pro or a con depending on the person. For some, emergency communications work might seem overwhelming. But for people who have a passion for operating on all cylinders, a 911 call taker offers a wide variety of work.

Once you are fully trained in emergency communications, you’ll take calls, dispatch emergency responders and check data and background records all at one time, said Heinze.

Cons of Being a 911 Operator

The cons are stressful work and long hiring process then after that on-the-job training and shadowing an experienced dispatcher. As you can imagine, the hiring personnel want to make sure that 911 operators can handle the pressure of hearing and helping people in distress.


Clearly, this isn’t an easy job. It’s very hard to take numerous calls that include trauma and crimes in process. Heinze said many municipalities have peer support groups, mentors and outside counseling to help dispatchers cope with the stress.

Long Hiring Process

This is not a job you can apply for and expect to start two weeks later. Heinze estimates it can take up to three months to be hired.

The pre-employment testing process includes several interviews, aptitude tests, a psychological evaluation and lengthy background checks. Some agencies go a step further, asking applicants who make it to the final stage of hiring to shadow someone on the job to make sure it’s something they want to do.

What Makes a Good Emergency Dispatcher?

The most important characteristic for an emergency dispatcher is the ability to be calm in stressful situations. A good emergency dispatcher has good communication skills and is personable. Typing is a required skill, as is empathy.

Here are more details on the skills employers will look for:

  • Customer service. If you’re good at customer service, you will likely make a good emergency call-taker.
  • Typing abilities. Most 911 dispatchers need to type between 30 to 45 words per minute without error.
  • Communication skills. Not only are you communicating with people in distress, you must be able to calmly talk with a wide variety of people. “You have to handle calls from every different generation, from a child caller to the elderly, someone with a mental disorder, intoxicated people, deaf or hard of hearing people,” Heinze said.
  • Empathy. It’s good to have a calming voice and provide an empathetic ear that’s ready to help.

These skills will give you a good foundation for your training, where you will learn about:

  • Telecommunications
  • Critical incident stress
  • Suicide intervention
  • Emergency medical dispatch
  • Advanced First Aid/CPR/AED
  • Hazardous materials
  • Domestic violence
  • Terrorism

Frequently Asked Questions (FAQs) About the 911 Operator Profession

We’ve rounded up answers to some of the most common questions about being a 911 dispatcher.

How Do I Become a 911 Operator?

Applicants must be 18 and have a high school diploma, GED or college degree to apply for 911 operator positions, and then go through a series of tests and interviews. Once you are hired, most states have training requirements of four to six weeks in a classroom or online setting. After that, employees will train on the job for six to 12 months.

What Are the Pros and Cons of Being a 911 Operator?

Pros include job satisfaction, good work benefits and an exciting, meaningful job. Cons are high stress, up to a three-month hiring process and major multitasking.

How Stressful Is It to Be a 911 Operator?

Yes, it can be stressful taking calls from people in life threatening situations. Agencies provide counseling, peer support groups and mentor support to help emergency dispatchers deal with stress.

Is a 911 Operator a Good Job?

It is a good job if it you are the kind of person who can remain calm in an emergency and you like to help people. Average starting pay is $38,000 for a meaningful career. In addition to the salary, most 911 operators work for a government agency with retirement benefits, sick time and paid vacation. There is also potential for overtime pay and the chance to advance to a higher salary.

Katherine Snow Smith is a freelance editor and reporter in North Carolina and Florida. She is author of Rules for the Southern Rulebreaker: Missteps & Lessons Learned.


Why Are Bitcoin and Other Cryptos So Volatile?

Bitcoin’s most defining feature might well be that its price always seems to be rising.

In reality, however, the price of Bitcoin doesn’t always go up. To get these screaming vertical price increases, there needs to be some death-defying falls as well. Bitcoin’s very volatility makes this popular crypto a tempting investment for some, and a quite dangerous one for others. Trading in cryptocurrencies might not be for all investors — especially those with a low tolerance for risk.

Bitcoin Price Volatility

There’s no denying that cryptocurrencies, including Bitcoin, are volatile. For instance, in the first half of 2021, Bitcoin doubled in value, reaching a record-breaking high price of $64,000. But it tumbled back to less than $30,000 during the summer months. Then in November, Bitcoin’s price soared again; this time to $68,000 (for another all-time high) only to slip to below $35,000 in January 2022.

And this is just one example. Since its launch in 2009, Bitcoin has posted an impressive price history, and experienced more than a few conspicuous crashes.

Volatility is essentially a given across all types of cryptocurrencies, given the general air of legal, political, institutional, and technological uncertainty that floats around them. But it’s more noticeable with Bitcoin. Bitcoin was the very first cryptocurrency created. Not only is it the most expensive crypto, but likely the most visible, and has become a flagship for the entire crypto/blockchain space. Arguably, Bitcoin could be the coin that led the government, the public, and traditional financial services companies to take cryptocurrencies seriously. Increasingly, millions of ordinary people view Bitcoin as a vehicle for investing, trading, and saving. But before investing in cryptocurrency, an investor would want to consider its volatility seriously.

Why Does Cryptocurrency Volatility Matter?

There’s a reason that nearly anyone who’s well-versed in cryptocurrency would caution novice investors to invest no more than you’re willing to lose. With a highly volatile asset like cryptocurrency, an investor’s overall portfolio value could suddenly shoot much higher or much lower than they would expect, or are prepared for, based on big changes in its price.

Bitcoin is not the only cryptocurrency to experience big price swings that can lead to large gains or losses for investors. Volatility does not play favorites, and most crypto coins, even more familiar assets, like plain vanilla stocks, can experience the phenomenon of volatility. From the second-largest crypto, Ethereum — and popular established coins like Dogecoin, Uniswap, and Filecoin — to crypto projects you might not know, all have experienced price volatility.

Is Bitcoin Particularly Volatile?

There are at least a few reasons why Bitcoin’s price is so unstable.


In financial markets, liquidity is a concept that relates how much a given purchase or sale of an asset will move its overall price. Liquidity, in general, supports overall asset values. Say you have an item that costs $500 but when you go to sell it, there’s no one to buy it; In that case, the $500 price tag is not very meaningful. Low liquidity may be rendering the price of Bitcoin unstable.

A particular concern with Bitcoin is that a huge portion of all the Bitcoin circulating in the world — at this writing, more than 18.5 million bitcoin — will never be bought or sold by anyone. This could be because the coin is stranded in wallets for which the private keys have been forgotten or because they’re held by investors who will never sell, no matter the price. Moreover, Bitcoin’s existence is finite; no more than 21 bitcoin will ever be mined.

By shrinking the amount of Bitcoin in circulation beyond the limits built into the system, Bitcoin’s liquidity could dry up. This means that movements to buy or sell could quickly influence its price, driving it up or down violently.


One of the biggest debates surrounding cryptocurrencies is, what’s it for, exactly? Why are people buying it? For individuals who live in countries with unstable or despotic governments, Bitcoin can be a lifeline of stable value. But for many, it is not an especially convenient payment mechanism compared to the fiat currency of existing banking systems.

And yet, many people are buying Bitcoin and willing to pay ever-higher prices for it. The main reason seems that they expect the price to get even higher in time. Some people think the price will go up because Bitcoin is protected against inflation because of its 21-million cap on coin. Some expect wider adoption of Bitcoin as a payment protocol. And some expect it to become widely used by financial services institutions as a store of value.

The FOMO Factor

Essentially, interest in Bitcoin is generated by the idea that other people are going to buy it in the future, at a higher price than it’s selling for today. This expectation is fed by regular headlines about a company or celebrity buying into Bitcoin and the massive profits people are generating from Bitcoin they bought years — or even weeks — ago. In the crypto community, this behavior is known as fear of missing out (FOMO). Speculative investing like this often leads to volatility, because the price can turn down as sharply as it turns up.

At this time, many analysts believe that the questions surrounding cryptocurrency, as well as FOMO, are precisely what are keeping Bitcoin’s prices high. An asset’s price likely would swing if a large portion of investors are trying to get in front of buyers who come in later. Those who buy a crypto immediately when it comes to market could dump the coin just as quickly. This could happen if an investor made a profit, or they no longer believe that more investors will buy into the crypto.

The Takeaway

Bitcoin’s volatility is based on at least two factors: its potentially low liquidity, and the plethora of unanswered questions about crypto, a still-new asset class. Investors and anyone who follows the news are aware of shocking highs and lows in Bitcoin’s value.

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In general, are cryptocurrencies more volatile than stocks?

Yes. Investing in the stock market has been a mainstay of the U.S. economy since the late 1700s. Stocks are also regulated, subject to oversight by the SEC, and other government agencies. Cryptocurrencies as an asset class are quite new, not fully regulated, and do not yet have a proven track record in U.S. markets. As we discussed, crypto is considered a speculative investment. Complex assets — like high-yield bonds, options, mortgage-backed securities, and other derivatives, including crypto — are subject to greater volatility than are plain vanilla stocks.

Which cryptocurrency is the most volatile?

The answer: It changes every day. And, volatility is not selective. Popular coins, like Bitcoin (BTC) and Ethereum (ETH), take their turns at being “most-volatile” just as often as do the tiny cryptos you might not have heard of . Cryptocurrency’s volatility has spawned a number of reliable indexes that track and report its daily price fluctuations, including Yahoo Finance and Shufflup .

Is volatility a good thing for crypto?

Volatility is neither good nor bad. Rather, it’s a phenomenon that exists in all financial markets for a mix of reasons. Cryptocurrency skeptics might see crypto’s volatility as a danger sign, a reason to stay away. However, sometimes volatility can benefit a new fast-growing asset, like crypto.

This is happening currently, with profit-seeking traders and wealthy venture capitalists streaming toward crypto. Venture capital funding can help seed new start-ups and advance technical innovation. And new money flowing into a sector often brings heightened liquidity, which makes for healthy financial markets.

The FOMO factor, which we discussed above, and just plain curiosity also can have a positive effect on crypto. For example, some large traditional financial services (TradFi) institutions that were prior crypto-naysayers are now showing an interest in the crypto sector.

Crypto: Bitcoin and other cryptocurrencies aren’t endorsed or guaranteed by any government, are volatile, and involve a high degree of risk. Consumer protection and securities laws don’t regulate cryptocurrencies to the same degree as traditional brokerage and investment products. Research and knowledge are essential prerequisites before engaging with any cryptocurrency. US regulators, including FINRA , the SEC , and the CFPB , have issued public advisories concerning digital asset risk. Cryptocurrency purchases should not be made with funds drawn from financial products including student loans, personal loans, mortgage refinancing, savings, retirement funds or traditional investments. Limitations apply to trading certain crypto assets and may not be available to residents of all states.
Disclaimer: The projections or other information regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.
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Use Our Ultimate Guide on How Much to Tip

Traditionally people don’t tip the owner of the business, even if they are directly providing the service. For example, most people are not expected to tip the owner of the salon when they do your hair. It isn’t insulting if you do, and if it is a fairly new business, it is a lovely gesture.
Cruise lines might have a service charge or automatic gratuities, to use the industry term, already added to the bill. As in other parts of the service industry, cruise line workers are not highly paid with the assumption that tips will make up the difference. Check your contract to see if tips are already included.
Either for the trip or – for each bag. Shuttle drivers taking you from airport terminals to car rental facilities or parking garages will usually help put your bags on and off the vehicle.
Is 20% a Good Tip?

Why Is Tipping a Thing in the U.S.?

Ten percent of that is just moving the decimal point over one space to the left. So, a bill would mean a tip at 10%. Twenty percent is double that amount; that tip becomes .  Fifteen percent is that amount and then half of it is added; plus so the tip is on . And so on. Another reason why 20% is a great amount, easier math! Some people like to then round up to the nearest dollar, which is a nice gesture.
Tipping tour guides depends on a few factors. Private tours for a few people would elicit a 10-15% of the tour cost tip per day for the guide, and another 5-10% for the driver. Group tours where everyone is giving something would be 4-5% per person.
Even though you have tipped through the year, it is thoughtful to add a bonus tip for Christmas or any of the end of the year holidays.

Understanding Tipping Etiquette

It is pretty standard to tip your hairdresser 15-20% when you are pleased with the results. That is the usual amount for almost all self-care services. If a few people worked with you, such as a hairwasher, then it is proper to throw a couple of extra dollars in at the end for everyone.
Tipping can also be an investment in future service. If it is a place you frequent, being known as a pretty decent tipper is a great way to ensure ongoing good service.
Leaving tips in the United States has become standard and ubiquitous. We picked up tipping etiquette from European royalty in the 1800s, even though Europeans generally stopped leaving tips.

How to Calculate Tips

That hourlong or more facial takes skill plus lots of emoluments and equipment. Leave 18-20% of the bill as a token for making your skin glow.
Are There Other Ways to Tip Besides with Cash?

The Ultimate Tipping Guide

Basic car wash and towel drying is -, and the tipping amount goes up as more services are added. Detailing definitely deserves more money, -. Car wash attendant pay is low, so the tips really matter to the workers. At some car washes, the tips are gathered in a communal container and then disseminated by the crew chief at the end of the shaft.


What Do You Tip Your Hairdresser at Christmas?

How Much to Tip Bartender

There are other people who provide services that you might wonder about how or why to tip. Here are a few to add to your list.

How Much to Tip at Restaurant

Your moving company probably hasn’t included gratuities in its budget proposal, but make sure you put the cash aside for it. Tipping isn’t required, but since it is hard work done for relatively low pay, it might be more surprising when people don’t tip.

How Much to Tip for Takeout (When You Pick Up)

Tipping customs vary from place to place. Our tipping guidelines will help you know the standard tip amount for service, and how to calculate extra to thank someone for excellent service.

How Much to Tip Food Delivery Driver

When various rideshare companies started, it was a cashless exchange. No longer! Tip drivers 10 to 20%, depending on how good the trip was; if they helped you with luggage; how long the trip is; and the cleanliness of the vehicle.
What is the Tipping Etiquette for Wedding Planning?
The Penny Hoarder contributor JoEllen Schilke writes on lifestyle and culture topics. She is the former owner of a coffee shop in St. Petersburg, Florida, and has hosted an arts show on WMNF community radio for nearly 30 years.

How Much to Tip Pizza Delivery

Almost everyone knows that tipping is a standard practice when going out to eat and drink. The people serving you are paid much less than the federal minimum wage. Always put a few dollars in the going out budget for tips. You don’t have to tip at fast food restaurants. Many restaurants have their servers and bartenders tip out other staff too. This means servers are not getting all of the amount left by patrons.

How Much to Tip the Bathroom Attendant

There are not many financial topics that elicit such strong feelings as the idea of tipping. If you need proof, ask your Facebook friends their opinions on tipping. Expect lots of responses and maybe even a heated discussion.

Personal Appearance and Care

If the movers worked in the rain, helped set up beds, or went above and beyond in other ways, go with the higher end of the range. You can also provide food and drinks to the movers if it is an all-day job. When it is a short move, easy and everything is packed up, then you can focus on the low end of the range.

A woman gets her hair cut at the salon.
Getty Images

How Much to Tip Hairdresser

You depend on this person to keep your house dust- and smudge-free so tip them 15-20% of the regular bill. Dependable and thorough house cleaners are in big demand. Tip them enough so that they stay with you.

How Much to Tip Barber

Did your humongous flat screen make it safely because it was carefully hand carried? Did they move a dozen or more boxes of hard-back books? Various sites suggest – per mover per hour, or about 15% of the total bill.

How Much to Tip at the Nail Salon

Tipping etiquette with Massage Therapists depends on location. If you are visiting a spa or getting a massage through your hotel, then it is proper to tip 20%.

How Much to Tip Facialist

Even if they are, being generous to staff can help maximize the pleasure of your cruise. Overall, the 15-20% rule applies, especially to your room steward who leaves all those cute towel animals on your bed.

How Much to Tip Tattoo Artist

However it has become part of the system here, especially in the service industry. Restaurants and bars can charge less for their food and drink because they don’t have to pay service workers that much (except in a handful of states).

Should You Tip Massage Therapists?

Include tip money in your travel plans. This tipping guide for travelers will help you whether you’re staying in a luxury hotel or one of our national parks. If you are traveling overseas, check to see tipping guidelines for the countries you are visiting. Always tip your tour guide!
The technicians at the nail salons are doing all manner of pedicures and manicures, plus facials and waxings. The going rate for tipping is 15-20%.


Typically people tip their tattoo artists 20%, but that can change with the complexity of the tattoo and quality of the experience.

How Much to Tip Rideshare Drivers

We could write a whole tipping guide just for weddings because there are so many people involved in the event, including florists, caterers, photographers, hair and makeup experts, bartenders and more. A good rule of thumb when you are planning a wedding to include tip money for the vendors. When you are looking at the contracts, check the catering and bartending ones to see if there is a gratuity included, so you don’t inadvertently double tip. Otherwise, tip 15-20%, to be split up among the workers.

How Much to Tip Taxi Drivers

Besides wondering why and if we have to tip, we also want to know how much to leave for all the people who provide different services. The Penny Hoarder’s ultimate guide to tipping is here to help.

How Much to Tip Hotel Housekeeping Staff

Trips to salons or barber shops give us a chance to slow down and relax, with the excellent result of feeling better about how we look or feel. Enjoying spa services is a lovely treat. When you are done and feeling good, add a tip to the bill for those who helped you. They might only make tips for pay (especially in nail salons), and are paying rent for their space.

How Much to Tip Shuttle Driver

There are a couple of ways to tip housekeeping. If they are doing your room daily, then leave – out on the dresser or by the bed for them. Or you can leave a tip at the end of your stay, equaling – per day.

How Much to Tip Valet Parking

There could be a delivery charge on your order, but don’t assume that it goes to the driver (ask when ordering). You can tip – for lower priced meals, then between 10-20% of the bill total for pricier meals. Tip on the higher end when the weather is bad!

How Much to Tip Bellhop

Remember when calculating the tip, that there are things wait staff in restaurants have no control over. They may be out of your favorite dish, or only have a tiny table for your party. Opinions about those types of issues go to the manager.

How Much to Tip Room Service

They are also a good time to offer a little thank you tip to people you generally don’t tip throughout the year. Here is a quick guide to tipping these folks, if you appreciate what they do.

How Much to Tip on a Cruise 

Grocery delivery usually has a default delivery amount of 5% of the bill, or a minimum of a few dollars. You can change the amount or opt out.
Tipping changed in the early days of the pandemic. As restaurants and other services scrambled to figure out how to survive, people tipped generously to try to help the businesses and workers make it through. Overall, expect to tip 15 to 20% for decent to good service. A 25% tip works for outstanding service. This has gone up a little over the last few decades.

How Much to Tip Tour Guides

You can tip on a credit card, with cash, or in some instances, through peer-to-peer sites such as Venmo. How you tip is up to you. Some businesses do tip sharing, when everyone gets a piece of the pie. Others require that their tipped employees tip the staff that helps them, such as the bartender tipping the barback.


Anyone bringing you delicious pizza should be generously rewarded! Basically plan on – a pie, unless it is a big order and then more. Calculate 15-18% of the total bill.

Two people move a heavy box up stairs.
Getty Images

How Much to Tip Movers

If you are using a coupon for a meal or service, base your tip on the amount the total cost would have been without special pricing.
A reasonable tip for the dog groomer is 15-20%. Other pet-related services, such as pet sitting and pet walking, don’t require tips unless the person has done a little extra. If your pet has special needs, or the person was able to help out at the last minute, a 15-20% tip might ensure they are available when you need them.
When you get to a hotel, there is often a bellhop who greets you, guides you to check-in and may carry your bags. If there’s no bag handling, tip the bellhop to . If the bellhop delivers luggage to the hotel room, the tip should be – per bag.
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How Much to Tip Dog Groomer

Yes! There might be a situation where workers can’t accept tips. You can show your gratitude and appreciation by leaving a positive online review; writing a note to the owner or supervisor complementing their staff; baking cookies for your mechanic; or posting a nice note on social media.

How Much to Tip House Cleaner

Ready to stop worrying about money?

How Much to Tip Car Wash

A general rule is that tipping 20% is usually the safest amount, indicating that you are a competent, generous person, and that you are satisfied with your service. If you had a great meal with wonderful service provided, 25% communicates your gratitude. A 15% tip indicates things were adequate, and less means that they weren’t good.

Frequently Asked Questions (FAQs) About Tipping

How Should I Tip When Using a Coupon?

Scott Elliott, a licensed massage therapist in Gulfport, Florida, says that tipping “is OK. But in a clinic setting it is not expected. (However) all welcome it!”
Tip your taxi driver the same as you would a rideshare: 10-20%.
Should You Tip If the Person is the Owner?
Tipping movers has a few factors to keep in mind. Is this a short move or are you going a few states away? If you’re loading in one state and unloading in another, there is a good chance it is two different crews, and therefore two tips.
Here is one area definitely changed by the pandemic. Many people used to not put anything in the tip jar when picking up takeout. As restaurants scrambled to stay open, takeout was often the only option and folks tipped generously. Take out involves a lot of the same prep work that eating in does, so go ahead and tip 5-10%.
Sit down restaurants: 15-25%. This might be the most contested of tipping areas and one where the servers depend on tips to make up for low hourly wages. The level of personal service is high at restaurants where service is good — and even when it’s not so good.

  • Personal trainer: cost of one service
  • Mail carrier: $20$
  • Newspaper delivery: $10-$30
  • Nanny: A week’s pay
  • Housekeeper: Amount of one service
  • Doorman: $25-$100
  • UPS/Amazon/USPS delivery person: Usually prohibited from accepting tips, but a nice gift basket is good.
  • Home health aide: A week’s pay
  • Dog walker/sitter/groomer: Amount of one service
  • Pool cleaner: Amount of one service
  • Teacher: A gift rather than cash.
  • Tutor: Amount of one service
  • Sanitation worker: $10-$30
The same as with a hairdresser. Tip the guy who gives you the expert fade or flat top 15-20% of the bill.
If you use a food delivery app, Glamour magazine suggests that you definitely tip if you want your food delivered quickly. Some drivers can see the tips ahead of time on the app and choose deliveries. You should anyway, since most drivers rely on tips to pay for their gas and vehicle wear and tear.
From restaurant servicers to nail technicians and tattoo artists, leaving a tip is an expected part of the experience. The following guide will help you understand how to decide how much to leave.
You can tip the head person and have them distribute the tip, or you can give each person cash individually. Moving is an anxiety producing time, and you will be pleasantly surprised how a nice gesture to your movers makes the ordeal go more smoothly.
We got our expert advice on modern tipping etiquette guides for tipping tips from various sources including Emily Post and interviews with different practitioners to get the truth about gratuities. Though there was a range in amounts, all the sites agree that an important part of the tipping interaction is remembering that you are showing gratitude and care by tipping.
Check the bill to see if gratuity has already been added. A 15% gratuity is an appropriate tip.
For handing you a towel, tip 50 cents. For mending hems or watching your shopping bags while you do your business, give them -.

Between hotels and restaurants, especially in urban settings, self-parking parking is difficult. Pay the valet who parks your car and then runs for it when you’re down with your event to . <!–


Tipping people who provide services — hairstylists, nail techs, movers, bartenders — is a common practice. It’s also something that brings out a lot of strong feelings.

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2As of 12/31/21

Machine Learning Improves Credit Access

Upstart makes it possible for people to get loans between ,000 to ,000 in as fast as one business day. And it only takes five minutes to check your rate.

And they do it for 10% lower interest rates compared to traditional models*. So not only are personal loans available to more people, they’re more affordable for them, too. Interest rates for Upstart’s loans are between 5.22%% and 35.99%, with terms of three or five years1.
If you need a loan to consolidate your debt, pay bills, pay off credit cards or something else, you can get loans between ,000 to ,000 in as fast as one business day through Upstart.
When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.

Check Your Rate in Minutes

Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA (,100), HI (,100), MA (,000), NM (,100), OH (,000).
Privacy Policy
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
*Approval numbers compare the 2020 loan approval rate by the Upstart model and a hypothetical traditional credit decision model. The APR calculation compares the two models based on the average APR offered to borrowers up to the same approval rate. The hypothetical traditional model used in Upstart’s analyses was developed in connection with the CFPB No Action Letter access-to-credit testing program, is trained on Upstart platform data, uses logistic regression and considers traditional application and credit file variables.
1The full range of available rates varies by state. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 24.95% and 60 monthly payments of .34 per ,000 borrowed. For example, the total cost of a ,000 loan would be ,807 including a 3 origination fee.  APR is calculated based on 5-year rates offered in the last 1 month. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Because so much of the approval decision is based on a credit score, which really only tells part of the story.
Kari Faber is a staff writer at The Penny Hoarder.
Ready to stop worrying about money?
220.8 Billion originated as of 12/31/21
Lots of Americans need access to affordable credit. We need it to consolidate debt, pay off credit cards, pay medical bills and more. <!–


That’s why online lending platform Upstart uses artificial intelligence to approve more people for loans — with up to 10% lower interest rates compared to traditional models*

Is the Stock Market Closed on Good Friday and Easter 2022?

Investors are about to embark on a three-day (or three-and-a-half-day) holiday weekend.

The stock market is closed on Friday, April 15, 2022 – Good Friday, as well as the start of Passover this year – ahead of the Easter Sunday holiday, which falls on April 17.

As a result, no major earnings are scheduled for Friday.

However, bond traders will enjoy not just a full Friday off, but also a partial trading day Thursday. The bond markets will shut down early, at 2 p.m., for Maundy Thursday.

Stock and bond trading resume at their normal hours on Monday, the day after Easter.

The following is a schedule of all stock market and bond market holidays for 2022. Note that regular trading hours for the New York Stock Exchange (NYSE) and Nasdaq Stock Market are 9:30 a.m. to 4 p.m. Eastern on weekdays. The stock markets close at 1 p.m. on early-closure days; bond markets close early at 2 p.m.

2022 Market Holidays

Date Holiday NYSE Nasdaq Bond Markets*
Monday, Jan. 17 Martin Luther King Jr. Day Closed Closed Closed
Monday, Feb. 21 Presidents’ Day/Washington’s Birthday Closed Closed Closed
Thursday, April 14 Maundy Thursday Open Open Early close
(2 p.m.)
Friday, April 15 Good Friday Closed Closed Closed
Friday, May 27 Friday Before Memorial Day Open Open Early close
(2 p.m.)
Monday, May 30 Memorial Day Closed Closed Closed
Monday, June 20 Juneteenth National Independence Day (Observed) Closed Closed Closed
Friday, July 1 Friday Before Independence Day Open Open Early close
(2 p.m.)
Monday, July 4 Independence Day Closed Closed Closed
Monday, Sept. 5 Labor Day Closed Closed Closed
Monday, Oct. 10 Columbus Day Open Open Closed
Friday, Nov. 11 Veterans Day Open Open Closed
Thursday, Nov. 24 Thanksgiving Day Closed Closed Closed
Friday, Nov. 25 Day After Thanksgiving Early close
(1 p.m.)
Early close
(1 p.m.)
Early close
(2 p.m.)
Friday, Dec. 23 Christmas Eve (Observed) Open Open Early close
(2 p.m.)
Monday, Dec. 26 Christmas Day (Observed) Closed Closed Closed
Friday, Dec. 30 New Year’s Eve (Observed) Open Open Early close
(2 p.m.)

* This is the recommended bond market holiday schedule from the Securities Industry and Financial Markets Association (SIFMA). This schedule is subject to change.

Market Holiday Observations

When it comes to the stock and bond markets alike, if a holiday falls on a weekend, market closures are dictated by two rules:

  • If the holiday falls on a Saturday, the market will close on the preceding Friday.
  • If the holiday falls on a Sunday, the market will close on the subsequent Monday.

Stock and Bond Market Hours

The “core trading” stock market hours for the NYSE and Nasdaq are 9:30 a.m. to 4 p.m. on weekdays. However, both exchanges offer premarket trading hours between 4 and 9:30 a.m., as well as late trading hours between 4 and 8 p.m.

Bond markets typically trade between 8 a.m. and 5 p.m.

The stock markets close at 1 p.m. on early-closure days; bond markets close early at 2 p.m.


Which of the 3 Financial Phases Are You In?

Every year we see the same months, holidays and seasons – it’s all pretty predictable. While you may not know when a winter storm will hit, you can usually count on chillier weather come winter. The same can be said for financial phases. While not always easy to predict, you can find patterns if you look for them.

But how does knowing a financial phase pattern help? When it comes to financial planning, the answer is a lot.

What are financial phases?

There is a natural ebb and flow to money habits throughout the year. For example, most of us tend to spend more around the holidays because of gifts and parties. When January hits, people take a look at their budget, set goals for the year and attempt a financial diet. The same can happen in the summer as people splash out on vacations or enjoy a plethora of activities with their families.

Patterns can also occur throughout, showing up in spending and savings habits. Recent college grads probably live on a tight budget with less savings, whereas an established professional might be more focused on long-term goals, such as buying a home or saving for retirement.

Is it the same for everyone?

While the year can offer similar periods of spending and saving, each individual has their own plans, priorities and habits that make them unique. If you enjoy saving, maybe you take vacations during shoulder seasons to take advantage of lower hotel and airfare prices or you sign up for a credit card (of course, paying it off every month) that supports your travel habit – think free rooms, reduced flights, etc. Or if you always go big on your birthday each year, you create a plan to automatically save money every month into a “birthday fund” so when the time comes each year you’re ready.

The same is true when looking at life patterns or saving and investing. If you land a well-paid job out of college, perhaps you spend more lavishly than the average early 20-something would. Or someone who joined the FIRE movement would contribute to their retirement and save differently since they have a different goal. It’s important to understand that each person has their own goals and priorities, and sometimes life gets in the way with unexpected obstacles.

How does knowing this help?

Knowing the patterns can help you plan for the future. If flying home for the holidays with a Santa sack of gifts is your pride and joy, you can plan ahead by only eating in or cutting back on entertainment a few months in advance. When you know something happens annually that you want to enjoy to the fullest and not worry about your cash flow, you can budget it in fun ways beforehand.

For example, if you love having happy hour with friends every week, maybe offer to host it at your house for one month. Rotate who brings the drinks and apps each week, and what you spend in one month can easily be equal to what you spend in one week out on the town.

Taking the time to write down important things to you, both annually and in the bigger picture, is a great starting point. If some of these items have regularly occurring dates, like holidays or birthdays, you can build specific timelines around when you need to focus on saving.

Sometimes there are unplanned events, like weddings or concerts, but you can find ways to save all year round so you have a sturdy fun fund waiting for you when you need it. (Of course, you should only build a fun fund after you have a solid emergency savings fund.)

What phase am I in?

The economic life phase you’re in isn’t necessarily tied to your age, as many people assume. We’ve uncovered that the phases actually better reflect where you are in your life, which is split into three different phases: (1) build and grow, (2) transition (3) and finally, distribute and deploy. For example, a 35-year-old in the FIRE movement and a 68-year-old late saver for retirement can both be focused on their transition into retirement.

Assessing your stage and adjusting your plan should be an ongoing process, but you can only know the phase you are in after you articulate your goals.

Financial phase No. 1: Build and grow

During this phase, decide on your long-term goals and plan for them. Is saving for retirement a top priority? Work toward maximizing your contributions to your 401(k) plan. (A tip I learned early on: When you receive raises, save more and live off of the amount you were already comfortable with.) Or, is buying a home a priority? Then figure out a savings plan for a deposit, mortgage and other expenses that is realistic and build on it.

The build and grow phase is also about protecting your future earnings. This is a good time to look at life insurance and create an estate plan for you and your family. I’m currently in this phase and wanted to ensure that (as scary as it is to think about!) my husband and boys would be OK if something were to happen to me. We bought term life insurance for each of us and created an estate plan to dictate what would happen if something were to happen to me or my husband. This gave us both peace of mind.

Financial phase No. 2: Transition

During this phase, it’s important to understand what you’ve built during your years of saving. It’s also the time to figure out how you want to live once you decide to leave full-time employment. Working with a financial adviser to do a financial goal assessment is important to project how well you’ve saved.

If you haven’t done a budget yet, it’s critical to understand your spending so you know what you will need to live off of.

During this phase, it’s important to factor in possible moves – do you want to stay in your home, downsize or even upgrade? Are there any plans to buy a second home to travel to since you’ll have more time? These are factors to take into account. 

It’s also critical to assess how much risk you’re taking in your portfolio – this is the time to really have a good plan for protecting your assets. If something big happens in the market, it would be terrible to lose a large amount of money and delay your plans to make this transition. 

Financial phase No. 3: Distribute and deploy

In this phase, understanding where and how you are going to pull from your assets is crucial. There are important strategies to think about and tax consequences to consider. 

If you are well-funded and have excess assets, thinking about how you are going to leave your legacy is also important. There are many ways to give, including charities, foundations and personal gifts, and these can be structured to be given while you are alive or after you pass. The beauty of it is, it’s all your choice as long as you have a good plan.

No matter what financial phase you are in, planning and preparing for the next step will always yield positive results. The better you articulate your goals, for both the short and long term, the more likely it becomes you can achieve them.

Managing Director of Growth and Client Experience, Halbert Hargrove

Kelli Kiemle is the Managing Director of Growth and Client Experience at Halbert Hargrove and has been with the firm since 2007. Kelli earned her Bachelor of Science degree in Business Administration-Business Communication/Marketing from the Marshall School of Business at the University of Southern California in 2006.


Trending Beauty Hacks On a Budget

With “Euphoria” recently wrapping its season finale, the internet is buzzing about the show’s dramatic makeup looks.

If you’re wondering how to perfectly achieve these and other unique beauty styles… well, you should probably hire a professional makeup artist. But if you want to come pretty close – and pay a lot less money – check out these budget-friendly beauty hacks.

Start with a dewy look

One of the major beauty themes in “Euphoria” is a dewy, no-makeup look. To recreate this at home, makeup artist Anna Bearman says you should start with moisturizer. Ideally, you should moisturize as soon as you wash your face or get out of the shower. This will help seal in the moisture and lock in a dewy look.

Bearman recommends the Vanicream Moisturizing Lotion, which only costs $14. You can also use this as a body moisturizer. After moisturizing, use a foundation and concealer to complete your no-makeup look. If you already have a solid foundation and concealer routine, stick with that. There’s no need to buy anything different.

If you’re looking for a new foundation, Maybelline’s Fit Me line costs less than $10 per bottle and has more than 40 shades. 

Look on YouTube for Ideas

No matter what kind of makeup you’re trying to find, Bearman says it’s easy to get cheap ideas from YouTube. Just type in words like “affordable” or “cheap” along with whatever you’re searching for. 

You can also start following YouTubers who focus on ways to create makeup looks for less. Some of Bearman’s recommendations include:

Use Drugstore Picks 

Dramatic eyeliner is a staple for the “Euphoria” characters, but you don’t need to spend a fortune to create your own pronounced look. Bearman’s favorite frugal eyeliner picks include NYX, which is available in most grocery stores and drugstores.

Just like its name suggests, ColourPop has a wide range of colorful eyeliners with drugstore prices.

If you want a regular black eyeliner, Bearman recommends either the regular eyeliner pen or the superfine eyeliner pen from Essence, both of which only cost $2.99. For a dramatic lip, Bearman likes Maybelline Color Sensational Lipsticks, which are about $9 each. She also likes Milani Color Satement lipliners, which are $5 each.

Compare prices

Just like any other product, prices for makeup items can range widely depending on where you’re shopping. One store may charge $10 for the same mascara that only costs $7 at another store. 

Drugstores usually charge higher prices, so avoid them if you can. Stores like Target and grocery stores often have better prices. Even department stores like Macy’s often have good deals on makeup. 

Make a list of what you want to buy and compare prices at drugstores, grocery stores, department stores, specialty beauty stores and more. You never know who’s having a special sale. 

If you’re shopping online, try to maximize all available discounts and coupons codes. For example, ColourPop offers a 10% discount if you sign up for their email list. Sephora has a free Beauty Insider program you can join to earn rewards and free sample-size cosmetics. 

Follow forums like Reddit’s MUAonthecheap, where users post special sales and both in-person and online coupon codes. Reading forums regularly will also help you figure out what’s a good deal and what’s overpriced.

Find affordable eye crystals 

The eye crystal look is in right now, but it can seem wasteful to spend $10 on gems you can’t wear again. To save money, Bearman suggests buying crystals from arts and craft stores and applying them with eyelash glue. Make sure you don’t get the crystals too close to your eyes.

You can also buy crystal sheets in bulk from Amazon, which are about $2 a sheet. If you don’t need that many eye crystals right now, ask a friend if they want to go in on the deal with you.

Stack coupons

When trying to save money on beauty products, it can be helpful to stack different sales, discounts and coupons. For example, if you have a credit card that offers extra cash back on grocery stores and you found a good deal on eyeliner at a grocery store, make sure to use that credit card when buying the eyeliner.

If you have a Target Red card, you’ll also get 5% off most purchases, including makeup and skincare items. 

Sign up for retailer email newsletters so you can be notified when there’s a sale. Most sales occur around major holidays like Thanksgiving and Christmas.

Take care of your makeup

One of the easiest ways to save money on beauty is to make your products and tools last as long as possible. Always screw on the cap tightly, especially for items like mascara and eyeliner that can dry out quickly. Don’t store your makeup in extreme temperatures, like your car on hot days.

Also, try to avoid hoarding items. Keep your makeup in the same place so you can easily see what you have and what you need more of. This will prevent you from accidentally buying another clear lip gloss when you already have two.

Try before you buy

If you’re not sure how a certain trend will look on you, visit a store like Sephora where you can try on makeup before you buy it. For example, if you love how teal eyeliner looks on a model, use it on yourself before deciding on the purchase. This will potentially save you from buying items you never end up using.

Ask for samples whenever possible, especially for foundation or concealer. This will help you avoid skin sensitivity issues. Don’t be afraid to return something if it irritates you. Most stores have a 30-day return policy for makeup and skincare, so keep the receipt just in case.

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