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Check FAQAbout Devon
I am a journalist based in the Bay Area (Calif.). I write about culture, race, gender, the environment, personal finance, lifestyle and careers as a freelancer. I graduated from Boston University’s College of Communication (‘15) and was subsequently handpicked to participate in NerdWallet’s Writer Startup Program. I ended up working at the company for nearly two years, putting my service-journalism skills to use first in the higher education and student loan beat and later as a general personal-finance reporter. I took the opportunity to write about the issues affecting women, minorities, low-income individuals and first-generation students as often as I could. I pioneered new content formats and even started a social-media ready series of profiles about people who’ve paid off student debt. I covered financial news and dug into 1,000-line spreadsheets, immersed myself in the shady world of paid surveys, talked to presidents of lending companies and financial planners as well as debt advocates and people struggling with debt and fluctuating incomes. My work has been featured in the LA Times, Mashable, Business Insider, MarketWatch and USA Today, among others. Feel free to reach out regarding article assignments, project proposals or if you have any questions. (Email works best — ************)
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Here's How Much the Average 30-Year-Old Has in Their 401(k)
The average 30-year-old has $30,000 in their 401(k), with a median balance of $11,357, according to Vanguard. Without further contributions, this amount could grow to about $231,000 by age 65, which is below the estimated $1.8 million needed for a comfortable retirement. The article suggests having one's annual salary saved by age 30 and three times that by age 40. It offers tips for catching up on retirement contributions, such as calculating retirement needs, securing employer contribution matches, considering an IRA, and taking advantage of catch-up contributions for those 50 or older.
Here's How Not Having Kids Became the Most Affordable Life Choice
The article explores the growing trend of choosing a childfree lifestyle due to the high cost of living and stagnating incomes in the United States. It highlights the significant financial burden of raising children, including child care costs, and discusses how wage stagnation and rising inequality have made it more challenging for many to afford parenthood. Additionally, it touches on the increasing social acceptability of being childfree, suggesting that financial and cultural factors are contributing to this shift.
Here's How Not Having Kids Became the Most Affordable Life Choice
The article discusses how the rising cost of living and stagnating incomes have made the decision to remain childfree a more financially viable option for many. It highlights the significant financial burden of child care and the stagnation of wages for most workers since the 1970s, despite increased productivity. The cultural shift towards the acceptability of a childfree lifestyle is also noted as a contributing factor.
Cash App Banking Review 2024
Cash App, known for peer-to-peer money transfers, offers a banking platform with a debit card and savings account. The Cash Card, issued by Sutton Bank, has no minimum deposit or monthly fees and is FDIC-insured through Wells Fargo Bank. Cash App Savings offers a high APY of up to 4.50% if certain conditions are met. The article compares Cash App's services with Chime and Capital One 360, highlighting the lack of fees and minimum balance requirements. Cash App is rated highly on mobile app stores and provides customer support via phone and live chat.
Savvy Investment Hacks: Making the Most of CDs
High interest rates present an opportunity for profitable investments in certificates of deposit (CDs). Four strategies to maximize returns include CD laddering, the barbell strategy, the target strategy, and no-penalty CDs. CD laddering involves opening multiple CDs with different maturity dates to minimize cash inaccessibility and lock in interest rates. The barbell strategy focuses on short- and long-term CDs, skipping mid-term dates, to balance availability and returns. The target strategy spreads out investments over time with the same maturity dates, suitable for those without large sums to invest initially. No-penalty CDs allow early withdrawal without penalties, offering flexibility but often at lower rates.
4 Most Common Mistakes in Year-End Financial Planning
The article outlines four common mistakes in year-end financial planning: not maximizing 401(k) matches, over-prioritizing debt repayment at the expense of savings, failing to review existing financial habits, and skipping estate planning. It emphasizes the importance of taking advantage of employer 401(k) matches, balancing debt repayment with savings, critically assessing financial habits, and ensuring proper estate planning. The article suggests consulting financial professionals and using budgeting tools to better manage finances and achieve goals.
3 Common Mistakes in Mortgage Refinancing and How to Avoid Them
Refinancing a mortgage can lead to significant savings, but common mistakes can undermine these benefits. Three key mistakes to avoid are not shopping around for better rates, neglecting to factor in all refinancing costs such as closing costs, and focusing solely on the interest rate without considering the new loan term's impact. A holistic approach, including using a mortgage refinancing calculator and considering lender reputation and fees, is essential for maximizing the benefits of refinancing.
Write a Farewell Message: 10 Ways to Say “Goodbye” to Colleagues
The article provides a comprehensive guide on how to write a professional farewell message when leaving a job. It outlines the importance of timing, the key elements to include, and offers ten examples of farewell messages. The guide emphasizes expressing gratitude, noting the last day, and providing contact information to maintain professional relationships.
How to turn the emergency alerts on your iPhone on or off
Emergency alerts on iPhones are enabled by default, but users can manage these settings through the Settings app. High-priority alerts like Presidential alerts cannot be turned off. The article provides a step-by-step guide on how to enable or disable various types of emergency alerts, including AMBER alerts in the US and J-Alerts in Japan. It also explains how to manage test alerts using dial codes. The guide emphasizes the importance of these alerts for safety and preparedness.
Avoid These Mistakes as National Credit Card Debt Hits $1 Trillion
National credit card debt has reached $1.13 trillion as of Q4 2023, according to the Federal Reserve Bank of New York. The article outlines four common mistakes to avoid when managing credit card debt: ignoring the debt, not using autopay, closing old credit cards, and neglecting to save money. It emphasizes the importance of facing debt head-on, using autopay to avoid missed payments, keeping old credit cards open to maintain credit history, and building an emergency fund to prevent future debt.
This Is How Much the Average American Saves Through Refinancing
Refinancing a mortgage is less popular now due to high interest rates, with most refinances being cash-out refinances. This trend means that while homeowners may receive a lump sum of cash, they are not necessarily saving on their mortgage payments. The Federal Reserve's anticipated rate cuts in 2024 could potentially lower refinancing rates, but the decision to refinance should be based on individual financial situations and long-term plans. Closing costs and the duration of stay in the current home are critical factors to consider when evaluating the benefits of refinancing.
How to use Instagram, the wildly popular photo-sharing app with more than a billion users
Instagram is a free social media platform for sharing photos and videos, boasting over a billion registered accounts. It offers a variety of features including short-form videos, live streaming, and private messaging. The article provides a comprehensive guide on how to sign up, set up a profile, customize notifications, and use Instagram's various features such as Stories, Live, Reels, and Shopping. It also covers privacy and security settings, tips and tricks like scheduling posts, saving videos, and managing who can see your posts. Instagram is described as an indispensable marketing tool for businesses, brands, and influencers, as well as a platform for personal expression and connection.
How to use Instagram, the wildly popular photo-sharing app with more than a billion users
Instagram is a free social media platform for sharing photos and videos, popular among brands, celebrities, and friends. It offers features like short-form videos, live streaming, and private messaging. Users can download the app on iOS, Android, and Windows devices, create multiple accounts, and use the desktop version. Key functionalities include setting up profiles, customizing notifications, uploading and editing photos, and exploring content. Instagram also supports direct messaging, Stories, Live streaming, Reels, and Shopping. Privacy and security settings allow users to manage who can see their posts and protect against harassment.
The best tips and advice for selling items on Facebook Marketplace
Selling items on Facebook Marketplace can be done via the desktop website or mobile app, requiring a Facebook account. The article provides a detailed guide on how to list items for sale, including steps for both desktop and mobile users. It outlines what items are prohibited on the platform and offers tips for making listings stand out, such as using high-quality photos, videos, and competitive pricing. Payment methods are flexible, with options like Facebook Pay, PayPal, and Venmo. Familiarity with common acronyms used on the platform can also enhance the selling experience.
How to block websites in Safari using Screen Time on your Mac
The article provides detailed instructions on how to block websites in Safari using the Screen Time feature on Mac. It explains steps to block specific sites, limit access to approved sites, and mentions third-party website blockers like BlockSite, 1Focus, and Freedom as alternatives. The guide is aimed at enhancing internet safety, particularly for young children.
How to find your PayPal account and routing numbers to set up direct deposit, if you're eligible to use the feature
The article provides a step-by-step guide on how to find your PayPal account and routing numbers to set up direct deposit. It emphasizes that these numbers can only be used for incoming payments and advises users to obtain a direct deposit form from their employer or government benefits manager. The guide details the process of logging into PayPal, navigating to the direct deposit section, and copying the necessary information onto the direct deposit form. It also notes that it may take one or two pay periods for the direct deposit to start, and users will receive a notification once the first deposit is made.
Buying a car with no down payment: What to know
The article discusses the considerations and strategies for buying a car without a down payment, given the high average transaction prices for used and new cars. It outlines five strategies: maximizing trade-in value, choosing a less expensive vehicle, applying with a cosigner, improving credit score, and postponing the purchase to save for a down payment. The pros and cons of not making a down payment are examined, with the cons including higher interest rates and the risk of being upside down on the loan due to depreciation. Cait Howerton, a certified financial planner, suggests that even a small down payment can save money in the long run.
How to pay off large student loans: 9 strategies
The article outlines nine strategies to manage and pay off large student loans efficiently. Key strategies include paying interest before repayment starts, sticking with a short repayment plan, making extra payments, prioritizing high-interest loans, automating payments, considering refinancing, researching repayment assistance programs, looking into forgiveness options, and keeping other costs low. It highlights various programs and initiatives like Maryland SmartBuy, Tulsa Remote, and employer-based repayment perks from companies like Google, Chegg, and Fidelity. The article emphasizes the importance of financial management and exploring all available options to reduce student loan debt.
15 Thoughtful Birthday Messages
The article provides a variety of birthday message examples suitable for different relationships and occasions. It includes simple, milestone, funny, and heartfelt messages for friends, significant others, and family members. The messages range from light-hearted to serious, with tips on personalizing them to make them more special. The article emphasizes the importance of context and the relationship with the recipient when crafting a birthday message.
How to refinance your student loans with low income
Refinancing student loans can be challenging for low-income borrowers due to lender qualification requirements, including credit score and income. Strategies to improve eligibility include increasing income, obtaining a cosigner, or finding lenders with lower income requirements. Various lenders offer different terms and rates, with options like MEFA, ISL Education Lending, and INvestED providing varying income requirements and interest rates. Cosigners can help secure better rates but involve risks. Improving income through raises, job changes, or side hustles can enhance credit scores and refinancing options.
How to consolidate student loans
Student loan consolidation can simplify finances and potentially save money, but it has drawbacks. Federal consolidation combines multiple loans into one without lowering interest rates, while private consolidation or refinancing may offer better terms but requires good credit. Federal consolidation offers benefits like simplified payments, access to more repayment plans, and loan forgiveness options, but may restart forgiveness timelines and increase loan balances. Private refinancing can lower interest rates and offer fixed rates but loses federal benefits and has stringent approval requirements. Cosigners can help with private refinancing but share responsibility for the loan. Various repayment options are available for both federal and private consolidations.
Consolidating student loans with your spouse
Consolidating student loans with a spouse can simplify repayment by combining multiple loans into a single payment. Federal consolidation loans are available for individuals, not couples, and offer fixed interest rates and various repayment plans. Private refinancing options for couples are based on combined creditworthiness and may offer lower rates. However, federal loan consolidation may extend repayment terms and result in higher total costs. Private loans typically lack origination fees and prepayment penalties but offer fewer repayment plans. PenFed is one of the few lenders offering spousal consolidation loans. Adding a cosigner can improve refinancing eligibility and terms.
How to Write a Leave of Absence Letter
A leave of absence letter is essential when taking time away from work due to significant life events or unforeseen circumstances. The letter should be professional, concise, and include the time frame, reason for the leave, contact information, and a plan to ensure team continuity. The Family and Medical Leave Act (FMLA) may entitle employees to 12–26 weeks of protected, unpaid leave. Providing a written request is crucial to initiate the process.
CFPB Finds Student Loan Servicers Denying Access to Repayment Plans
The Consumer Financial Protection Bureau (CFPB) has identified issues with servicers of federal student loans, noting that borrowers are being denied access to income-driven repayment plans or facing delays in application approvals. These plans are designed to make monthly payments more manageable by setting them as a percentage of the borrower's income, with the promise of loan forgiveness after 20 to 25 years of qualified payments. The CFPB's report also addresses problems in the servicing of private student loans, auto loans, mortgages, and fair lending practices. Issues include misinformation about interest accrual for advance payments, lack of choice in payment allocation, and system errors prolonging repayment. The report emphasizes the need for servicers to properly inform borrowers about their options, particularly income-driven repayment plans. Lauren Asher, president of the nonprofit Institute for College Access & Success, echoed the importance of borrowers being aware of these options.
How to Write a Goodbye Message When Leaving a Job
Leaving a job can be bittersweet, and a well-written goodbye message can ease the transition. This guide provides tips on crafting a concise and meaningful farewell message, including when to send it and what to include. It emphasizes acknowledging professional relationships, sharing contact information, and expressing gratitude. The article also offers examples of different types of goodbye messages, catering to various circumstances, including leaving on negative terms.
What is guaranteed life insurance?
Guaranteed life insurance, which does not require a medical exam, is an option for those in poor health or who want to avoid a lengthy application process. It typically has smaller death benefits, higher premiums, and may impose a waiting period before beneficiaries can collect. Certified Financial Planner Steven Fox notes these policies are more expensive per unit of coverage and are often capped at $25,000, suitable for covering funeral or final expenses. While it can be a good option for those who cannot qualify for traditional policies or only need a small amount of coverage, it is not recommended for those who can obtain more substantial coverage through other life insurance policies.
Home improvement tips for all your spring upgrade ideas
Spring home improvement projects offer a chance for homeowners to add value and appeal to their property. Focusing on high-traffic areas, conducting thorough project research to control costs, and knowing when to hire professionals are key strategies. Simple changes like a fresh coat of paint or new landscaping can significantly impact a home's attractiveness to potential buyers. Planning and understanding the scope of a project can prevent costs from escalating and ensure safety and quality in more complex tasks.
Tax prep: 3 things to help you get your return done on time
Matt Schulz, LendingTree's chief credit analyst, offers advice on preparing for tax filing, emphasizing the importance of starting early. He provides three tips: updating your address with your employer to ensure timely receipt of tax forms, gathering all necessary information such as income records and deductible expenses, and considering the use of a tax professional, especially for complex tax situations. Schulz also mentions the availability of free tax prep services for those with low income. The article suggests being proactive to avoid delays and potential confusion during tax season.
5 ways to recover your deleted Facebook messages
The article outlines five methods to recover deleted Facebook messages, including checking archived conversations, asking the recipient for a copy, searching email notifications, using an Android file manager, and downloading Facebook information. It provides step-by-step instructions for each method, emphasizing the importance of backing up messages to prevent future loss.
How to get the YouTube or YouTube TV app on Roku to stream your favorite shows and playlists
The article provides a detailed guide on how to install and use the YouTube and YouTube TV apps on Roku devices. It covers the cost and features of YouTube TV, including a free trial, and explains how to add the YouTube TV app using Roku's search function. Additionally, it outlines how to use the free YouTube app, access YouTube Premium, and cast videos from a mobile device to Roku. The guide also highlights the various content options available, such as playlists, guest account access, rentals, and purchases.
How to get the YouTube or YouTube TV app on Roku to stream your favorite shows and playlists
The article provides a detailed guide on how to install and use the YouTube and YouTube TV apps on Roku devices. It explains the cost and features of YouTube TV, including the availability of a free trial, a wide selection of channels, and additional options like unlimited DVR space and premium add-ons. The guide also covers how to use the free YouTube app, access YouTube Premium content, make rentals and purchases, and cast videos from a mobile device to Roku.
Holiday Tips to Pay Off Debt
The article provides five practical tips for paying off holiday-related debt, emphasizing the importance of prioritizing debt repayment due to high interest rates. It suggests choosing a strategic payoff method, maintaining savings to avoid future debt, considering a 0% balance transfer credit card, looking into personal loans, and asking creditors for lower interest rates. Expert advice from Matt Schulz, LendingTree's chief credit analyst, is highlighted throughout, offering readers actionable steps to manage and reduce their debt effectively.
How to remove followers on Twitter and manually approve new follow requests
The article provides detailed instructions on how to remove followers on Twitter using both desktop and mobile versions of the site. It also explains how to adjust privacy settings to manually approve new follow requests, ensuring users can control who follows them without blocking. The guide includes step-by-step processes for both desktop and mobile users, highlighting the option to 'soft block' followers as an alternative method.
How to share someone else’s Instagram Story to your own, or send it as a direct message
The article provides a detailed guide on how to share someone else's Instagram Story to your own story or send it as a direct message. It explains the conditions under which you can share a story, such as needing to be tagged by the original poster and the account being public. It also covers how to share a story via direct message, copy the link to share externally, and make your own stories shareable by adjusting privacy settings.
How to update your Mac to Ventura for the latest features and bug fixes
Updating your Mac is essential for accessing new features and security patches. For Macs running macOS Mojave or later, updates can be accessed via System Preferences or About This Mac. For older versions like macOS High Sierra, updates are available through the App Store. The latest macOS Ventura, released in October 2022, received a security update in January 2023. If your Mac is not updating, it could be due to insufficient RAM or incompatibility with newer macOS versions. Automatic updates can be enabled to ensure your Mac stays current.
How to update your Mac to Ventura for the latest features and bug fixes
Updating your Mac is crucial for accessing new features and security patches. Macs running macOS Mojave or later can update through System Preferences or About This Mac, while those on macOS High Sierra or earlier should use the App Store. The latest macOS version, Ventura, released in October 2022, received a security update in January 2023. Regular updates prevent bugs, crashes, and compatibility issues with apps. Troubleshooting tips include checking RAM and compatibility with newer macOS versions.
4 financial resolutions that will make you wealthier in 2023
The article suggests four financial resolutions for 2023: tackling high-interest debt using methods like the snowball or avalanche strategies, setting small and specific savings goals such as monthly contributions to a high-yield savings account, increasing credit scores by focusing on payment history and credit utilization, and consulting with a financial professional to audit finances and develop a solid financial plan. It emphasizes the importance of specific, manageable goals and the benefits of financial stability and improved credit access.
9 ways to fix Snapchat if it's not working
The article provides a comprehensive troubleshooting guide for resolving issues with Snapchat. It suggests various solutions such as restarting the app or phone, checking permissions, ensuring a stable internet connection, updating the app, clearing the cache, and deleting problematic conversations. The guide also advises checking Snapchat's network status and consulting the Snapchat support site for additional help.
How to make, edit, and share an Amazon wish list for easy gift shopping
The article provides a comprehensive guide on how to create, edit, and share an Amazon wish list using both the desktop website and mobile app. It details the steps for adding items to the list, sharing the list with others, and deleting the list if no longer needed. The guide aims to help users manage their gift shopping more efficiently by utilizing Amazon's wish list feature.
3 ways to force quit apps or programs on a Windows PC
The article provides three methods to force quit unresponsive applications on a Windows computer: using the Alt + F4 keyboard shortcut, Task Manager, and Command Prompt. It includes step-by-step instructions for each method and notes that Command Prompt has been replaced by PowerShell in recent versions of Windows, although users can switch back if desired.
5 ways to download or save your Instagram Stories
The article provides a comprehensive guide on various methods to download or save Instagram Stories, including saving them directly within the app, using third-party apps, and utilizing screen recording techniques. It covers options for both personal stories and those of other users, detailing steps for different devices such as iPhone, Android, Mac, and PC. The guide also mentions specific third-party tools like Toolzu, Reposter for Instagram, Repost for IG, and Ace Thinker.
12 ways to fix your iPhone's voicemail when it isn't working properly
The article provides a guide on how to fix an iPhone's voicemail when it is not functioning correctly. It suggests checking if voicemail is set up, ensuring the use of a custom greeting, verifying call forwarding settings, dialing voicemail directly, toggling cellular service, enabling Wi-Fi calling, emptying the mailbox, turning on cellular data, restarting the Phone app, checking for carrier settings updates, resetting network settings, and contacting the carrier for further assistance.
How to connect two pairs of AirPods to one phone simultaneously
Apple's audio sharing feature allows users to connect two pairs of AirPods to an iPhone, enabling independent volume control for each set. Compatible devices include iPhone 8 and later, various iPad models, and iPod touch (7th generation). Supported headphones include AirPods, AirPods Pro, AirPods Max, and several Beats models. The process involves connecting the first pair via Bluetooth, using the AirPlay button to share audio, and bringing the second pair close to the iPhone for pairing. Volume and playback can be controlled through the Lock Screen or Control Center, with separate volume controls for each listener. Disconnecting a pair is done via the Control Center.
How to connect your Apple AirPods to a Windows PC using Bluetooth
Provides a step-by-step guide on how to connect Apple AirPods to a Windows PC using Bluetooth. The instructions include ensuring the AirPods are charged, accessing Bluetooth settings on the PC, and troubleshooting tips if the connection fails. The article emphasizes the compatibility of AirPods with non-iOS devices, specifically Windows PCs.
Snapchat Plus unlocks new and exclusive features — here's how much it costs and how to sign up
Snapchat Plus is a subscription plan for Snapchat, offering exclusive features for $3.99 per month, $21.99 for six months, or $39.99 for a year, with a weeklong free trial. Features include ghost trails on the map, marking friends as BFFs, seeing who rewatched your Stories, and more. It's available in multiple countries but does not remove ads from the platform. The article explains how to sign up for Snapchat Plus and how to manage the subscription.
How to use a Visa gift card to shop on Amazon, despite it not being directly accepted
The article provides a detailed guide on how to use a Visa gift card on Amazon, despite the platform not directly accepting it. It explains the steps to activate the card, check its balance, and add it as a payment method on Amazon by treating it as a credit or debit card. Additionally, it offers alternative methods such as purchasing an Amazon gift card with the Visa gift card balance or reloading gift cards on Amazon for easier use.
How to go live on TikTok, or join someone else's TikTok live
TikTok allows users who are at least 16 years old and have 1,000 followers or more to go live on the platform. Creators aged 18 and above can earn gift points during their livestream. The article provides a step-by-step guide on how to go live on TikTok, join someone else's live, and tips for creating a successful livestream, such as ensuring good lighting, quality audio, timing the livestream, planning content, expanding reach, checking internet connection, and interacting with the audience.
Why does my iPhone get hot? 16 ways to cool down an overheating iPhone
The article provides a comprehensive guide on how to prevent and address overheating issues in iPhones. It outlines various practical steps such as closing apps, restarting the device, using official Apple chargers, enabling Low Power Mode, and updating software. Additionally, it offers advice on cooling down an already overheated iPhone by removing it from heat sources, taking off the case, and stopping charging immediately. The guide emphasizes the importance of acting quickly to avoid damage to internal components like the battery and processor.
How to add a promotion on LinkedIn and share your new job title with your network
Adding a promotion on LinkedIn is important for keeping your profile up to date and can help get your name in front of potential employers. The article provides a step-by-step guide on how to update your LinkedIn profile with a new job title or promotion both on the website and mobile app, including how to share this update with your network.
Buying holiday gifts with your credit card? Read this first
The article offers practical advice for using credit cards during holiday shopping, emphasizing the importance of choosing the right rewards card, paying off balances promptly, avoiding store credit cards, sticking to a budget, and considering balance transfer cards. Expert Schulz provides insights on maximizing rewards while avoiding debt and high-interest rates.
How to schedule a text message on your iPhone in 2 ways
To schedule a text message on an iPhone, users need a third-party app like the Scheduled App or the built-in Shortcuts app for recurring messages. The Scheduled App allows for automatic or reminder-based scheduled texts, while the Shortcuts app can set up recurring automations for iOS 13 or later.
How to pair a Firestick remote to your Amazon Fire TV, and add or replace remotes
The article provides a detailed guide on how to pair a Firestick remote to an Amazon Fire TV, including steps for adding or replacing remotes, using a phone as a remote, and pairing non-Firestick remotes. It also offers troubleshooting tips for common issues such as range, battery life, and signal interference.
What is Google Keep?': 5 helpful ways you can use Google's versatile note-taking app
Google Keep is a versatile note-taking app by Google that allows users to record plain-text notes, create voice notes, set reminders, and sync with other Google Workspace programs like Google Docs and Google Calendar. The app is accessible via web browsers, Android, and iOS devices, and integrates seamlessly with Google Drive and Gmail. Key features include collaboration tools, reminders, multimedia support, and various organizational options such as color-coding and labels. The app's simplicity and ease of use make it a valuable tool for on-the-go note-taking and productivity.
How to Use Nowhere, Somewhere, Everywhere, Anywhere
The article provides a detailed explanation of the meanings and correct usage of the words 'nowhere,' 'somewhere,' 'everywhere,' and 'anywhere.' It breaks down each word into its prefix and the word 'where,' clarifying their meanings and providing examples of correct and incorrect usage. The article also emphasizes the importance of spelling these words as single, unbroken terms.
How to fix Disney Plus Error Code 83 and related errors on your streaming device, phone, or computer
Disney Plus Error Code 83 indicates an 'incompatible' device issue, often due to anti-piracy measures. To resolve it, ensure a strong internet connection, restart both the device and Disney Plus, update the device and app, and use the correct method to watch. Other related errors include Error Code 42 (unstable internet), Error Code 73 (VPN usage), and Error Codes 91, 92, and 142 (login or payment issues, and slow internet).
How to delete a comment on Instagram, or hide and restrict comments
The article provides detailed instructions on how to delete comments on Instagram, whether they are comments you wrote on someone else's post or comments others wrote on your post. It also explains how to hide offensive comments and block certain users from commenting on your posts. The guide includes step-by-step processes for both iPhone and Android users, covering various settings to manage comments effectively.
How to reset an iPhone without knowing your password
To reset an iPhone without a password, one can use recovery mode via Finder on a Mac or iTunes on a PC, or erase the device using the Find My service. The process involves turning off the iPhone, entering recovery mode by pressing a specific button combination, connecting to a computer, and selecting 'Restore' in Finder or iTunes. Alternatively, using Find My on iCloud's website allows for remote erasure by selecting the device and confirming the action with an Apple ID password.
How to contact Google support for help with any Google-related issue
Google offers several ways to get support for its products, including an automated customer service number and extensive online resources. Users can call the Googleplex at 650-253-0000 or the international number for India at 1-800-419-0157. Online support includes tutorials and community help forums accessible via support.google.com, where users can find solutions to common issues or ask questions in the community forums.
How to create and set a live wallpaper on your iPhone or Android
Live wallpapers can be set on iPhones using live photos from the Settings app, but this feature is removed in iOS 16. Android users require third-party apps like Video to Wallpaper to set live wallpapers. Videos and GIFs can be converted to live photos on iPhones using apps like TikTok, GIPHY, and VideoToLive, after which they can be set as wallpapers.
Why October is the best month for buying a new home
October is considered an optimal month for buying a new home due to reduced competition. Prospective buyers should focus on improving their financial profile, be open to negotiation, stay updated on listings, and shop around for the best mortgage rates. Utilizing resources like the Department of Housing and Urban Development's listings and consulting with local real estate agents can be beneficial. The article emphasizes the importance of financial preparedness and strategic planning in the home-buying process.
How to check your PayPal balance in 2 ways
To check your PayPal balance, log into your account via the website or mobile app. The balance will be displayed on the left side of the main account page on the website or the primary account screen on the mobile app. If you do not see a balance section, you may need to set up a new PayPal Balance account.
How to delete your Facebook account permanently on a phone or computer – and download your personal data
Provides a step-by-step guide on how to permanently delete a Facebook account using either a mobile app or a computer. It also explains how to download personal data before deletion and the option to deactivate the account temporarily. The article highlights the time frames for data deletion and account restoration.
Vernacular: Definition and Examples
Vernacular refers to the informal language used by specific groups, regions, or cultures, characterized by unique word choices, grammar, and phrases. It contrasts with formal and literary language and includes examples from American, British, and Australian English. Vernacular language is typically used in casual settings and can be confusing to outsiders unfamiliar with the specific form.
How to edit an Instagram post, even after you've posted it
The article provides a detailed guide on how to edit an Instagram post after it has been published, including steps for both iPhone and Android users. It also covers how to create a new post and the importance of editing alt text for accessibility.
How to turn off iMessage on your Mac, or disable notifications when you're trying to avoid distractions
To turn off iMessage on a Mac, sign out of your iCloud account via the Messages app. Alternatively, disable iMessage notifications through System Preferences to avoid distractions while still using the app. Customization options include muting specific conversations and adjusting notification settings for messages from unknown contacts or mentions.
8 Online Learning Platforms That Allow You To Move At Your Own Pace
The article discusses the benefits of online learning platforms, especially during the COVID-19 pandemic, highlighting their flexibility and affordability. It emphasizes the importance of choosing the right platform based on personal learning preferences, time commitment, and budget. The article also provides tips on evaluating eLearning opportunities, understanding pricing structures, and the convenience of using devices like the Apple iPad for online education.
7 Ways To Destress Your Space While Self-Isolating
Self-isolation can be challenging, but there are several ways to make it more manageable. Suggestions include blocking stressful social media, dedicating a specific area for work, emphasizing fun activities, setting alarms to take breaks, decorating blank walls, focusing on ambiance with aromatherapy and cozy items, and rearranging living spaces for better functionality. These steps aim to improve both physical and mental well-being during prolonged periods at home.
Keeping silent about money means giving up our power and financial autonomy — that’s a dangerous practice.
The article discusses the pervasive issue of financial abuse within the context of domestic violence. Dr. Ludy Green, influenced by her mother's experience, founded Second Chance Employment Services to help women at risk of financial abuse. The article highlights how economic abuse is a form of control that abusers use to maintain power over their victims, making it difficult for them to leave abusive situations. Financial abuse is often invisible and intertwined with cultural taboos around discussing money. The piece emphasizes the importance of financial literacy and open conversations about finances as tools for empowerment and a means to combat domestic violence. It also features insights from Christine Hennigan, a financial planner, and Angela Schultz from ROW, who stress the need for financial education and support for victims of financial abuse. The article advocates for breaking the silence on financial matters to help prevent economic abuse and empower individuals to escape abusive relationships.
Why College Financial Aid Varies From Year to Year
The article discusses the unpredictability of financial aid for college students in the United States, highlighting personal experiences. Justin Maggio from Rochester Institute of Technology faced an unexpected increase in student debt due to changes in his living situation and family dynamics. Audrey Fisher, a Marylhurst University graduate, dealt with fluctuating financial aid, resulting in significant student loans. Derek Dillinger from Missouri University of Science and Technology lost a scholarship due to a slight GPA shortfall, leading to increased debt and stress. Delisa Falks from Texas A&M University acknowledges that changes in financial aid circumstances are common among students. The article underscores the challenges students face with varying financial aid packages and the impact on their education and well-being.
How to Save for a Vacation
The article provides a guide on how to save for a dream vacation. It suggests starting by understanding your cash flow and adopting the 50/30/20 budget rule, which allocates income into necessities, wants, and savings. The 'wants' category should fund the vacation. It recommends using travel search engines like Expedia, Kayak, and Travelocity to estimate costs for transportation, accommodation, and activities, such as visiting the Louvre in Paris. The article advises setting spending limits on souvenirs and food, considering currency exchange and cell phone costs abroad, and using a calculator to determine monthly savings needed. If the vacation savings exceed the 'wants' budget, adjustments to the travel plan or monthly expenses may be necessary, including finding cheaper services or taking a side job to afford the trip.
8 Places to Sell Stuff Online
The article provides a comprehensive guide to various online selling platforms, detailing their fee structures and operational models. It compares major marketplaces like Amazon and eBay, which have higher fees but offer quick sales due to high traffic. Amazon's fees vary by selling plan, with individual sellers paying per item plus a referral fee, while professional sellers pay a monthly subscription. eBay charges a final value fee, insertion fees, and optional promotion fees. Bonanza has a simpler fee structure with no listing fees but takes a percentage of the final sale. Local sales platforms like Craigslist and Facebook Marketplace offer fee-free transactions but lack the protections of online marketplaces. For niche items like clothes and crafts, Poshmark, Ruby Lane, and Etsy are suggested, each with their own fee policies. Lastly, electronics can be sold through Swappa or Gazelle, with Swappa allowing sellers to set prices and Gazelle acting as a reseller.
Money Management: 4 Tips for Mastering Your Finances
The article provides a comprehensive guide on money management, emphasizing the importance of creating a financial plan to maximize the use of one's money. It covers various aspects such as budgeting, saving, reducing debt, and investing for the future. The article suggests taking inventory of one's finances, building a money management blueprint, and making the most of savings. It recommends the 50/30/20 budget plan, tracking spending, finding ways to save, using separate accounts for spending and savings, paying off debt strategically, developing good credit habits, and investing in one's financial future, such as through a 401(k) or IRA. The article also stresses the importance of persistence and the understanding that financial stability is a gradual process.
Free-Money Offers Can Be Alluring, but Watch for Snags
The article discusses the allure of 'free money' offers and the potential pitfalls that come with them. It highlights three common ways to get free money: banking sign-up bonuses, credit card sign-up bonuses, and online surveys. The author warns that banking bonuses may come with hidden fees and requirements that could negate the initial offer. Credit card bonuses can be lucrative but come with commitments and could affect credit scores. Online surveys may offer low returns for the time invested. The article suggests alternatives like using money-saving browser extensions or cash-back sites, and re-examining monthly expenses or taking on side jobs for long-term financial stability. The article emphasizes the importance of reading the fine print and understanding the true cost of these 'free money' opportunities.
Don’t make this costly error with student loans
The article explains the differences between student loan refinance and student loan consolidation, emphasizing that while both processes combine multiple loans into one, they are distinct in their functions and consequences. Federal consolidation is a government process that simplifies federal loan payments and can help qualify for certain repayment plans and forgiveness programs, but may extend the loan term and total interest. Refinancing through a private lender can lower interest rates and save money but may result in the loss of federal borrower protections. The article advises borrowers to understand their goals, consider potential drawbacks, and apply through the correct channels. It also clarifies that applying for consolidation, refinance, or federal loan repayment plans should be free.
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