If you’ve ever been stuck in a traffic jam, sitting motionless behind a diesel-belching truck as cyclists glide past happily in the bike lane, it may have crossed your mind that you’d be happier living without a car. But chances are, you quickly brushed aside that notion, imagining just how impractical that would be. After all, the whole modern world is practically built around automobile travel – and with so many places designed to be accessed by car, is living without one even possible?
Statistically speaking, there’s a good chance you or someone you know has been to San Francisco – the City By the Bay is among the most visited cities in the United States. For international tourists, whose entry and travel patterns are easier to track, it’s the country’s fifth-most popular urban destination, according to the National Travel and Tourism Office‘s 2013 report – behind only New York City, Miami, Los Angeles-Long Beach, and Orlando.
Legal myths about small business law abound, ready to confuse, mislead, and even damage you if you rely on them. Like many myths, there is often a grain (or more) of truth to the common bits of not-quite-correct small business law wisdom you encounter. However, being able to differentiate between the falsehoods and the good advice these myths convey isn’t always easy, and may require you to seek advice from an expert.
There are some commonly repeated myths you can use to better understand the legal environment surrounding small businesses today. Here are 10 of them.
Each year in early November, we all set our clocks back by one hour to mark the end of Daylight Saving Time. Or at least, most of us do. A Rasmussen poll shows that 12% of Americans actually think they need to set clocks forward an hour in the fall, instead of back.
If setting clocks back in the fall is a problem for some people, setting them forward in the spring is even worse. At that time, people who get the change wrong end up two hours late for everything instead of two hours early. And even those who change the clock correctly lose an hour of sleep.
Military service has long been a path for social and economic mobility – the gateway to the middle class – for thousands of young American men and women. Service is both a way to see the world and learn valuable skills that can be transferred into civilian life – and many enlistees would not have the opportunity to attend college or purchase a house without the benefits associated with military service. Furthermore, veterans who forego college are likely to earn higher pay than non-veterans who do the same. According to Jay Teachman, a sociology professor at Western Washington University, interviewed in The Fiscal Times, “Even if they [veterans] don’t earn more education, they certainly earn more money.”
It has been said that we live in a throwaway society. We clean our hands on paper napkins, and wipe our noses with paper tissues, tossing them in the trash after a single use. We upgrade our computers and replace our cell phones nearly every year. Many of us even change our whole wardrobes every season, discarding old clothes that are in perfectly good shape because they’re “so last year.”
All this waste is costly – both for us and for the environment. We could all stretch our dollars much further by using the same item many times, rather than just once. And because we’d be buying less, we’d cut down on our use of energy and natural resources as well. So whenever you choose to reuse, you’re making your life greener and cheaper at the same time.
The loss of American jobs has become a potent political issue. Politicians promise to reverse the trend of offshoring and to restore American workers to their previous position as the premier workforce in the world. Many tout new reshoring initiatives, claiming that jobs will return as wage differentials shrink, the quality of foreign goods falls, and shipping costs increase. Others propose new punitive legislation with penalties for moving jobs to foreign countries while erecting trade barriers to ensure that domestic products can compete with lower-priced foreign goods.
Thanks to Capital One for sponsoring this post. This is a paid endorsement. However, the opinions and tips mentioned in the editorial content below were not directed by Capital One in any way.
How much money are you leaving on the table?
Even if you maintain strict budgetary discipline and consider yourself a frugal person who resists the temptation to splurge, you probably still spend more than you should – or could – to get by comfortably.
Do you use credit cards regularly? Perhaps you have a favorite cash back rewards credit card that offers a small but meaningful return on every dollar you spend. Or maybe you use a travel rewards credit card to earn points or miles that can be redeemed for free or reduced-cost flights, hotel stays, or car rentals.
Whether you’re a habitual credit card user whose wallet is stuffed with plastic, or a judicious spender who keeps a single, lonely square on hand for emergencies only, you’ve probably received correspondence from your issuers about the switch to EMV (chip) technology. You’ve probably received new cards in the mail too, complete with little circuit-like chips on the front face.
Student loan debt can be an albatross around the neck of recent graduates. Although the number of students with debt didn’t increase by much between 2004 and 2014, the amount of debt held by students did, according to the Institute for College Access and Success. About 69% of 2014 graduates from public and nonprofit universities and colleges had debt, compared to 65% in 2004. The average debt held by 2014 graduates was $28,950 per borrower, an increase that was twice the rate of inflation.