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# Gajizmo

## Sitemaps

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## Posts

- [Best Ways To Make Money From Home](https://www.gajizmo.com/best-ways-to-make-money-from-home/) - These days, everyone is curious about how to make money from home. Whether that means making money online or starting your own home business, there are actually many easy ways to make money. Working the usual 9-5 isn’t for everyone. Even working at a brick and mortar office, regardless of your rank in the business
- [25 Best Home Business Ideas](https://www.gajizmo.com/25-best-home-business-ideas/) - If you want to work for yourself and be successful, you'll love this list of the best home business ideas. Working for someone else can often provide more job security than embarking on an independent adventure. However, sometimes taking the risk of starting a home business can bring big rewards. There are many reasons to
- [How To Make Your Resume Stand Out](https://www.gajizmo.com/how-to-make-your-resume-stand-out/) - Want to learn how to make your resume stand out so that you get noticed by employers? Your resume is the key to winning an interview, and the more appealing you make it, the more companies you'll have presenting you with offers. Statistically, hiring managers and human resource coordinators spend 10 to 20 seconds reviewing
- [How To Get Money Fast For Kids](https://www.gajizmo.com/how-to-get-money-fast-for-kids/) - Enterprising kids can make money for the extras they want or to save and invest for their college education. How much money you can make depends on your talents, the amount of time you have to devote to work and how much effort you are willing to put into your projects. These ideas on how
- [5 Safe Investments You Can Make Today](https://www.gajizmo.com/5-safe-investments-you-can-make-today/) - Finding low risk, safe investments today can be a challenge. Years ago, people could invest money and feel fairly secure they would eventually make a profit. Yes, there were highs and lows, but overall investors were not too concerned about losing their life savings in a financial crash or crises. In recent years, however, investments
- [Best Time of Year To Buy Large Appliances](https://www.gajizmo.com/best-time-of-year-to-buy-large-appliances/) - Ever think about the best time of the year to buy large appliances? Everyday we make purchases whether they are necessary or not. Some purchases are just impulse buys and with others, we tend to pay more attention and do more research about the products we purchase. There comes a time when you must make
- [How To Get Out of A Cell Phone Contract Without Paying Termination Fees](https://www.gajizmo.com/how-to-get-out-of-a-cell-phone-contract-without-paying-termination-fees/) - Ever wonder how to get out of a cell phone contract with Verizon, AT&T, T-Mobile, Spring without paying the termination fee? Cell phones are a necessity for many American families and cell phone contracts are often expensive and difficult to cancel. If you look around the internet, you will read countless stories about consumers getting
- [How To Save Money On Your Electric Bill](https://www.gajizmo.com/how-to-lower-your-monthly-utility-bill/) - Looking for ways to save money on your electric bill? If you want to lower your electric, gas and water bill, there are many affordable, efficient and easy strategies that can reduce your water and energy costs by as much as 50%. These simple do-it-yourself changes and renovations require a minimal upfront investment (usually a
- [House Poor – How Much Home Can I Afford?](https://www.gajizmo.com/house-poor-how-much-home-can-i-afford/) - Ever wonder how much home you can afford? While a home affordability calculator can be helpful, understanding the basics of determining how much of a mortgage you can afford will help you make good financial decisions. Whether you're putting in an offer for a home right now or trying to save for a down payment and
- [How To Answer Common Interview Questions](https://www.gajizmo.com/how-to-answer-20-of-the-most-common-interview-questions/) - If you have a scheduled job interview, you may be curious about the most common interview questions. Being prepared can mean the different between a rejection email and job offer, and knowing exactly how to answer commonly asked interview questions can be critical to your success. Most people's least favorite part of the job application
- [Highest Paid Doctors](https://www.gajizmo.com/highest-paid-doctors/) - Curious about the highest paid doctors? For most of us, the college degree and career we choose are a result of our passion for a subject and its long-term monetary compensation. Similar to other careers, such as lawyers, engineers, and MBAs, specializing in a particular medical field earns you more because of the unique knowledge
- [Highest Paying Jobs Without A College Degree](https://www.gajizmo.com/highest-paying-jobs-without-a-college-degree/) - Curious about the highest paying jobs without a degree? For some, finding high paying jobs that don't require a college degree can mean the difference between a comfortable living and financial hardship. According to the Bureau of Labor Statistics (BLS), more than 60 percent of U.S. workers do not have a bachelor's degree. Although attending
- [Where Should I Live?](https://www.gajizmo.com/where-should-i-live/) - Ever think about moving and wonder where you should live in the US? Our generation is one of maximum mobility. We have the freedom to live almost anywhere we want, so long as we have a good job and enough money to maintain a decent standard of living wherever we go. Approximately 6 in 10
- [150 Famous Quotes By Famous People](https://www.gajizmo.com/famous-quotes/) - Famous quotes are famous for a reason - they motivate, inspire, and teach us to live better, happier, and more successful lives. The best quotes provide us insight into life, death, love, work, success, failure, entrepreneurship, education, change, etc. and are universally accepted truths, regardless of your own experiences, hardships, and opinions. From Einstein to
- [Ally Bank Review](https://www.gajizmo.com/ally-bank-review/) - If you've been considering opening a high-yield bank account, then this Ally Bank review will give you the confidence to bank with Ally and get the process started. Almost all Ally Bank reviews point to happy customers who are earning over 1% on their savings. In 2009, Ally Financial created Ally Bank, an online banking provider
- [How To Save Money Paying Off Student Loans](https://www.gajizmo.com/paying-off-student-loans/) - You may be wondering whether you should save money or pay off your student loans. Paying off student loans has become more of a hardship for recent graduates than ever before. With the annual rise in tuition costs, college students are finding it more difficult to pay for school out of pocket. As a result,
- [Advantages and Disadvantages of Mutual Funds](https://www.gajizmo.com/advantages-and-disadvantages-of-mutual-funds/) - Before you start investing, especially in your 401K, it's important to consider the advantages and disadvantages of mutual funds. A mutual fund is a type of professionally managed investment that allows a group of investors to pull their capital together and purchase securities, while sharing the burden of administrative and trading costs. There are many
- [Should I Pay Off My Mortgage Early?](https://www.gajizmo.com/should-i-pay-off-my-mortgage-early/) - Should you pay off your mortgage early or invest the money instead? Over the years, viewpoints on mortgages have changed considerably. Many of us learned from an early age to pay off our bills or loans and get out of debt quickly. However, that theory seems to have changed over recent years. Sometimes leveraging your
- [Credit Unions vs. Banks](https://www.gajizmo.com/credit-unions-vs-banks/) - During the 2008 financial crisis, many people began losing their faith in the American banking system. With a storm approaching and systemic risk seeming inevitable (in which banks are so heavily interconnected that the failure of one would lead to a failure of them all), countless banks were forced to fess up to the risky
- [How To Do Well In College - Getting The Most Out Of A College Education](https://www.gajizmo.com/how-to-do-well-in-college/) - Curious about how to do well in college? Being successful in college can mean many things. For example, does it translate to getting good grades for a high GPA or taking the right classes to develop your skills, building your network, and accepting the best internships all to have a successful career start in the
- [How To Find A Job After College](https://www.gajizmo.com/how-to-find-a-job-after-college/) - Anxious about getting a job after college? When you are a student, you may think that finding a job after college and starting your career should be easy. After all, you just successfully finished your degree and you’re ambitious, hard-working, and ready to make money. Unfortunately, many college graduates don’t have jobs lined up for
- [Where Should I Keep My Money](https://www.gajizmo.com/where-should-you-keep-your-money/) - Deciding where you should keep your money can be an important decision. Placing and storing your money at different types of financial institutions can affect whether you earn interest on your savings, if your money is safe and insured, and the kinds of financial products you have access to. Both small and big banks have
- [How To Get Out Of Jury Duty](https://www.gajizmo.com/how-to-get-out-of-jury-duty/) - Ever think about the best ways to get out of jury duty? Jury duty is something the vast majority of American citizens must deal with at least once in their lives. Getting out of jury duty is considered by many to be shirking your civic responsibility, but sometimes circumstances require it. And even if circumstances
- [Credit Score Range – What Is A Good Credit Score?](https://www.gajizmo.com/credit-score-range-what-is-a-good-credit-score/) - Not sure what a good credit score is because you don't know what the credit score scale or range is supposed to be? Generally speaking, a good credit score is anything above 700. But credit scores are some of the most confusing, yet essential components of personal finance. Your credit score rating affects you every
- [What Is A Good Credit Score?](https://www.gajizmo.com/what-is-a-good-credit-score/) - A good or bad credit score can affect every facet of an individual's or family’s financial life, from mortgage rates and auto loans to employer background checks and life insurance rates. Lenders, landlords and even employers consider a credit score a reflection of an individual's reliability and honesty – correlating an individual’s management of their
- [Best Summer Jobs For College Students](https://www.gajizmo.com/best-summer-jobs-for-college-students/) - Searching for the best summer jobs for college students? If you want a good paying job for summer, then you've come to the right place. For a few months each year, you’re free from demanding professors, countless essays that you wish you hadn’t procrastinated on, midterms, finals, presentations, and who-knows-how-many-all-nighters you pulled. Behind the façade
- [Jobs That Help People](https://www.gajizmo.com/jobs-that-help-people/) - Curious about careers that help people? Sometimes, the best jobs aren’t the ones that pay the most, but the ones that are meaningful and contribute to improving society. Although in some cases, leading a happy and fulfilling life means trading high pay for job satisfaction, there are many instances of jobs that help people and
- [Highest Paying Jobs](https://www.gajizmo.com/highest-paying-jobs/) - Getting one of the highest paying jobs in America is a sure way of becoming financially independent. For many Americans, a high salary is one of the most important factors that help determine our college major, career, or even where in the world we choose to live. Although education can play a role, there are
- [Best Paying Jobs For Women](https://www.gajizmo.com/best-paying-jobs-for-women/) - Researching the best paying jobs for women is the first step towards a promising career that can lead to financial security and independence. In 2012, the Bureau of Labor Statistics released data signifying that the gender income gap still exists: on average, women make 81 cents for every dollar their male colleagues make. There are
- [Best Part-Time Jobs With Benefits](https://www.gajizmo.com/best-part-time-jobs-with-benefits/) - Finding a part-time job with health benefits is crucial now more than ever. With the health of the economy still in the spotlight, a steady source of income is more important than ever. Unfortunately, with the federal government requiring American citizens to own and maintain health insurance starting in 2014, the cost of premiums may
- [Best Jobs That Require No Experience](https://www.gajizmo.com/jobs-that-require-no-experience/) - Ever think about getting a job that requires no experience but pays well? If you are fresh out of school, looking for a job, or in the midst of a career change, but have no job experience on your resume, finding a high paying job may seem difficult. Many available jobs require X years of
- [Highest Paid Lawyers and Legal Jobs](https://www.gajizmo.com/highest-paid-lawyers-and-legal-jobs/) - Curious about the highest paying law jobs? Compiling compensation data for specializations within the legal field to find the highest paid lawyers is next to impossible, at least if you want to do it accurately and on a national scale. At first, the goal of this article was to research, identify, and report the specific
- [What To Buy With 100 Dollars](https://www.gajizmo.com/what-to-buy-with-100-dollars/) - It shouldn’t be hard to save $100 these days. Unless you are the cheapest and most boring person alive who eats Ramen noodles every day and spends Friday and Saturday making shadow puppets with your hands, there are at least one or two wasteful activities you could skip in the next month that would save
- [How To Stay Sane When Unemployed](https://www.gajizmo.com/7-tips-for-staying-sane-while-unemployed/) - Very few of us plan for unemployment. We think our job is going well and then, out of the blue, we are fired or laid off. Occasionally, employees get some warning that the company is downsizing and try to do everything they can to prepare for the future, such as start saving, applying to other
- [Best Time To Buy Anything During The Year](https://www.gajizmo.com/best-time-to-buy/) - Looking for the best time to buy different products and services can save you a lot of money. This is because one of the best ways to save money is to stop overspending or buying impulsively and plan for great deals, especially on large ticket items such as cars, appliances, TVs, computers, laptops, furniture, mattresses,
- [How Much Car Can I Afford?](https://www.gajizmo.com/how-much-car-can-i-afford/) - Ever calculate how much car you can afford? Learning how to determine what car you can afford is the first step to buying a vehicle. In fact, understanding how much you should spend on a car based on your income or financial situation essentially guarantees you don't over extend yourself on an auto loan, thereby
- [How Much Should You Spend On An Engagement Ring?](https://www.gajizmo.com/how-much-should-you-spend-on-an-engagement-ring/) - How much you should spend on an engagement ring depends on a number of factors including your income, financial obligations (i.e. student loans, car loans, living expenses) and how much value you place on tradition. At one time, men were counseled to spend 25%, or 3 months, of their annual salary income on an engagement
- [CIT Bank Review](https://www.gajizmo.com/cit-bank-review/) - If you’re fed up with traditional banks and their almost-nonexistent interest rates on savings accounts, then perhaps it’s time for a switch. CIT Bank is a practical alternative known for its sizeable returns on investments for their certificates of deposit (CDs) and high-yield savings accounts. Check out this CIT Bank review to determine if their
- [Credit Karma Review](https://www.gajizmo.com/credit-karma-review/) - Wondering if Credit Karma is safe or a scam? Or are you considering opening an account with Credit Karma and want to know if the company's credit score and reporting services are legit and worth it? This Credit Karma review will help you evaluate whether the company's online products and services are right for you.
- [Easy Jobs That Pay Well](https://www.gajizmo.com/easy-jobs-that-pay-well/) - Searching for fun, easy jobs that pay well? If you're still looking for that “dream job” where you do practically nothing, get paid well and enjoy a great life, keep buying those lottery tickets or hoping for that inheritance check. Every job has drawbacks and some tedious tasks involved, but if you find work that
- [How Much Should I Save Each Month?](https://www.gajizmo.com/how-much-should-i-save-each-month/) - No matter what stage of life you’re at, saving money and maintaining a strong personal balance sheet is imperative to financial security. It’s one of the primary reasons behind giving allowances to kids: not just to teach the relationship between work and money, but also to introduce the idea of long term planning in regards
- [Best Short Term Investments](https://www.gajizmo.com/best-short-term-investments/) - Looking for the best short term investments but not sure which ones are safe or offer quick returns? Although the returns on short term investments are usually low, they offer greater access, liquidity and security than long term investments such as stocks, bonds, real estate, and hard assets (gold or silver). While some of the
- [Best Careers For The Future](https://www.gajizmo.com/best-careers-for-the-future/) - The current unemployment rate is hovering just below 7% and this doesn’t account for the hundreds of thousands of underemployed individuals or the millions of people who simply gave up searching for a job and left the labor force. Worse is that millions of students are graduating college each year and some may not be able
- [How To Become A Freelance Writer](https://www.gajizmo.com/how-to-become-a-freelance-writer/) - Becoming a freelance writer is a lot easier these days than it used to be. In fact, with so many guides out there detailing how to start freelance writing, it's hard not to get the idea stuck in your head. Unfortunately, getting started and making money writing online, like any business, can be a challenge
- [Best Summer Jobs For High School Students](https://www.gajizmo.com/best-summer-jobs-high-school-students/) - Searching for the best jobs for high school students? While the best summer jobs may require some effort to get, the pay and benefits to teens can be worth the investment of time and energy. For teenagers who don't want to rely on their parents to fund all their summertime social outings, getting a job
- [Best Places To Live In The US](https://www.gajizmo.com/best-places-to-live-in-the-us/) - After hours of research, we've found the best places to live in the US! The financial crisis of 2008 did more than spur the greatest economic recession the U.S. has seen since the 1930’s: it reshaped modern settlement as we knew it. As unemployment and foreclosure rates rose, people fled from the worst hit or
- [Vanguard vs Fidelity](https://www.gajizmo.com/vanguard-vs-fidelity/) - Ever compare Vanguard versus Fidelity and wonder which investment firm you should open an account with? While BlackRock is the largest investment manager in terms of assets under management, when looking to invest in mutual funds, the two places you’re likely to turn are Vanguard and Fidelity. As the two biggest mutual fund companies in the
- [How To Choose A Credit Card](https://www.gajizmo.com/how-to-choose-a-credit-card/) - Picking the best credit card for your needs can be a challenge, especially when credit card offers are constantly changing. If you’re in need of a new card and are asking yourself “which credit card should I get?”, there are a number of options for consumers of all background, regardless of your creditworthiness or history.
- [Largest Mutual Fund Companies By Assets](https://www.gajizmo.com/largest-mutual-fund-companies-by-assets/) - Ever wonder about the largest mutual fund companies? Researching the biggest companies by assets can give you a good idea about the strength of some fund families. On the other hand, as Warren Buffet sometimes complains, having a large amount of cash to deploy in a meaningful way gets harder as the size of your
- [How To Make An Offer On A House](https://www.gajizmo.com/how-to-make-an-offer-on-a-house/) - If you're shopping for a home, you should probably know how to make an offer on a house and give yourself room to negotiate. Buying a home is a huge responsibility. It’s scary and exciting and will probably be one of the most important investments of your life. That is why it is important to
- [Compare Auto Insurance Quotes](https://www.gajizmo.com/compare-auto-insurance-quotes/) - One way that drivers can save money on car insurance is to compare auto insurance quotes online to find the lowest rates. Car insurance sites offer free quotes from multiple insurance companies so drivers can compare auto insurance quotes side by side and get the best car coverage and cheapest premiums. Drivers can also take
- [Best Ways To Get Cheap Car Insurance Quotes](https://www.gajizmo.com/best-ways-to-get-cheap-car-insurance-quotes/) - Searching for cheap car insurance and not sure how to compare quotes to find the lowest rates? Most people today consider car insurance to be one of their most cumbersome expenses. Since it is now mandatory in most states for drivers to have valid auto insurance, this is also a largely unavoidable expense for anyone
- [5 Ways To Save Money On Utilities](https://www.gajizmo.com/ways-to-save-money-on-utilities/) - There are a number of ways that you can go about saving money in your home, but with a number of monthly bills causing strain on your monthly budget, it can be difficult. With some of these bills amounting to a small fortune, it leaves many opting for small loans when faced with a financial
- [Best Home Insurance Companies](https://www.gajizmo.com/best-home-insurance-companies/) - Comparing home insurance companies based on rates and quotes can help consumers save money, but buying coverage because a provider offers low premiums may not help you find the best value and policy. It is important to buy insurance from a company that provides a balance of the top coverage, rates, customer service, claims responsiveness,
- [How To Increase Traffic To Your Blog](https://www.gajizmo.com/how-to-increase-traffic-to-your-blog/) - Looking for ways to drive traffic to your blog? If you’re like most bloggers, learning how to generate more traffic to your website on a continuous basis is a dream come true. More likely than not, you are already employing tactics to build and increase traffic. You’re probably working hard on writing awesome content, spending
- [Romantic, Unique, Cheap, and Fun Anniversary Ideas](https://www.gajizmo.com/romantic-unique-cheap-and-fun-anniversary-ideas/) - Looking for cheap anniversary ideas that are still unique, romantic and fun? Celebrating an anniversary on a budget doesn't have to mean bad gifts and experiences. One of the greatest joys in life is finding the one person you want to create unforgettable memories and spend the rest of your life with. Unfortunately, when we
- [How To Improve Your Credit Score Fast](https://www.gajizmo.com/how-can-i-improve-my-credit-score/) - Looking to improve your credit score? We understand how important it is to build and fix your credit score fast. A good or bad score can sometimes make or break a person's financial success. If you have a high credit score, you will get the lowest interest rates and best deals when it comes to
- [What Is Whole Life Insurance?](https://www.gajizmo.com/what-is-whole-life-insurance/) - Ever wondered what is whole life insurance? Life insurance is a way to financially protect families if a wage earner, business owner, or caretaker dies prematurely. Upon the death of the insured person, the insurance company pays a death benefit to help families cover the mortgage, monthly credit card and daily expenses, college tuition, funeral
- [Why Can't I Find A Job? 5 Reasons You Are Still Unemployed](https://www.gajizmo.com/5-reasons-you-are-still-unemployed/) - If you can't find a job, in this booming economy, you need to evaluate your resume, skills, and expectations. While the world has changed and the types of jobs in-demand are different now than in the past, you can't just wonder "why won't anyone hire me" and not hold yourself accountable for any of it. Here
- [Motif Investing Review](https://www.gajizmo.com/motif-investing-review/) - This Motif Investing review is intended to help you decide whether Motif is the right online broker for your needs. Motif Investing lets you use your own investment strategies to create funds or ETFs, each with a theme or "motif". If you're looking for a unique approach to investing and diversification, Motif Investing might be the best brokerage firm for
- [Common Craigslist Scams](https://www.gajizmo.com/common-craigslist-scams/) - Are you selling or buying something online and want to prepare yourself by researching the most common Craigslist scams? We don't blame you - there are so many ways Craigslist buyers and sellers can scam you and understanding how these scams work is the first step to avoiding them. Once upon a time, everyone had
- [101 Random Acts of Kindness Ideas](https://www.gajizmo.com/random-acts-of-kindness-ideas/) - When you decide to do something nice for someone, just carry out your random act of kindness, wish them a great day, and walk away. An act of kindness should come with no strings attached, so don’t ask for their phone number, invite them to dinner or a party, or Facebook stalk them later that
- [Discover it Card Review](https://www.gajizmo.com/discover-it-card-review/) - The Discover It card has a number of advantages over other cash back cards, including no annual fees and a generous 0% APR introductory offer. In addition to the standard 1% cash back on purchases, the Discover It card offers 5% cash back on bonus categories that change quarterly (every 3 months). For instance, the
- [Best Summer Jobs For Teachers](https://www.gajizmo.com/summer-jobs-for-teachers/) - Looking for the best summer jobs for teachers? One of the perks of being a teacher is having the summers off. However, the lower salary that teachers take means that many teachers need to look for a summer work. There are a wide variety of summer job ideas for teachers, and the key is to
- [Term vs. Whole Life Insurance - Difference Between Term and Whole Life Insurance](https://www.gajizmo.com/term-vs-whole-life-insurance/) - Curious about the difference between term and whole life insurance, and which is better? All life insurance offers financial protection for families if a wage earner dies prematurely, but whole life insurance also has a savings feature, which acts as an investment option, that the policyholder can use while he or she is living. On
- [How To Start A Blog and Make Money](https://www.gajizmo.com/how-to-start-a-blog/) - Curious about starting a blog with WordPress and becoming a successful blogger? After countless questions from friends and family about how to start a blog, I decided to create this guide on how to set up a WordPress blog. Starting your own blog doesn't have to be complicated, intimidating or expensive. In fact, you can get a
- [How To Become A Millionaire](https://www.gajizmo.com/how-to-become-a-millionaire/) - It’s the age-old aspiration: to have a million dollars and become a millionaire. Of course, one million is nowhere near as valuable as it used to be thanks to inflation, but it’s still a worthy financial goal, even by today's standards. Perhaps it’s not so much knowing that you have seven figures in your bank

## Pages

- [Editorial Guidelines](https://www.gajizmo.com/editorial-guidelines/) - At Gajizmo, our goal is simple: help readers make better financial decisions with clarity and confidence. Personal finance can be confusing, high-stakes, and full of conflicting advice. These editorial guidelines explain how we create, review, and maintain our content so you can trust what you read here. Our Editorial Mission We publish educational, independent personal
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- [About Us](https://www.gajizmo.com/about-us/) - The goal of this site is to educate and help young adults - the Millennial Generation - make better decisions. We will discuss personal finance, money, career and education advice, and productivity/self-improvement. All information on this site has been obsessively researched and verified. Gajizmo will never pass opinion for fact - we are not a political

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