MONEY job hunting

How Do You Actually Land Your Dream Job?

What is it that makes you excited about getting up in the morning?

What do you really love doing? Here’s how to figure out and land your dream job.

Talk to your network. Ask your friends. They know you well; ask what skills they see you with. You’ll likely hear things you take for granted about yourself.

Don’t do anything rash. Go slowly. Do your homework.

Research. Find out what’s out there right now you could be good at. Then, find out if you need some kind of professional licensing. If you do, go get it.

Try it out. Go and do the job pro-bono and find out how you like it. Get a sense of how well you fit in.

In order to make a huge industry switch, it’s good to allow three to five years to lay the groundwork and ensure you’re ready to launch.

Read next: How to Ace Any Interview and Land the Job of Your Dreams

MONEY Family

The Hidden Upside to Living With Mom and Dad

Recent college grads may think living at home is less than ideal, but it has its advantages.

CNN’s Christine Romans thinks it’s the perfect solution. If you’ve just graduated from college, there’s a good chance you’ve got at least a little bit of debt. Romans advises you to take a year at home to save up money, start paying off your loans, and get on your feet financially. But don’t stay forever, she says. Make a plan – you can even sign a contract – with your parents on what responsibilities you’ll take on, and how you plan to be out of the house before two years are up.

Read next: Why Millennials Are Better Off Waiting 10 Years to Buy a Home

MONEY Travel

Millennials Will Pay More For These Air-Travel Extras

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Ben Pipe Photography—Getty Images/Cultura RF

Young flyers are more willing than older travelers to pony up for these perks.

Air travelers complain a lot about being nickel and dimed all along their trip, but younger flyers especially say they are happy to pay up if it makes the journey easier.

A new report from flight update app company FlightView finds that 75% of millennials, compared with 60% of all flyers, are willing to pay extra for certain conveniences.

The survey of about 2,300 people shows that travelers care most about reducing baggage headaches and using mobile devices freely.

Of those willing to pay anything at all, 53% said they’d pay for special RFID baggage tags that use radio frequency technology to reduce the likelihood of lost suitcases, while 40% said they would pay to check luggage at airport gates so as not to have to lug bags around airport restaurants (and bathrooms).

Hate waiting forever by the carousel for your bag? You aren’t alone: 37% said they would pay for priority baggage claim.

As for in-flight bonuses, while only about one half of all respondents said they would pay extra for amenities, 60% of millennials were open to spending more in the air.

The most popular in-flight perks were related to technology: 64% of those willing to pay anything said they would purchase high-performance WiFi with enough bandwidth to stream video, while 50% said they would pay for in-seat electrical outlets for charging devices.

Only 22% said they would pay extra to exit the plane faster upon landing.

A spokesperson for FlightView says the distribution of millennials’ preferences for each perk mirrors that of all survey respondents.

Read More: 10 Free Airline Amenities That Make Flying Fun Again

MONEY freebies

You Can Now Take a Free Online MIT Class On Poker

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Frazer Harrison—Getty Images

It will help you learn the basics—and get competitive.

A new free online course offered through the Massachusetts Institute of Technology gives students the opportunity to use math and applied theory to get better at playing poker.

The class is taught by finance graduate student Kevin Desmond. It’s part of MIT’s OpenCourseWare program, which opens up course materials and video lectures from many of the school’s classes to the public.

Why is MIT teaching poker? The course comes out of MIT’s Sloan business school, and the course description says poker theory and analysis can be applied to investment management and trading.

Terminology and strategy is covered in eight lectures (you can watch the first one below. Learners who prefer printed material can check out the course notes. Some commenters have noted that the class might be best for poker novices, though the coursework becomes more challenging as it progresses. Beyond basics, like the benefits of sitting at different table positions, you will learn how to calculate odds using statistical probabilities.

The class also requires that you practice your skills within online cardrooms—though you will be betting only fake cash, not the real thing.

Of course, what you do after the course is your own business: You wouldn’t be the first MIT student to make money from playing cards.

Read More: 6 Crucial Life (and Money) Lessons I Learned Playing in the World Series of Poker

MONEY privacy

Your Facebook Photos Are Fair Game for Prosecutors

facebook-privacy-new-york-court
Bloomberg—Bloomberg via Getty Images

A state appeals court ruling this week has big privacy implications.

A New York state court ruled Tuesday that Facebook must comply with search warrants allowing government prosecutors to sift through users’ photos, messages and personal account information as part of an investigation of Social Security fraud.

The appeals court ruling said that the social network cannot challenge search warrants for 381 users’ Facebook data, although individual defendants can move to suppress the evidence. New York law enforcement agents have used Facebook photos showing public employees riding jet skis, playing golf and performing martial arts to prove that the defendants were lying about physical disabilities, Reuters reports.

“In many cases, evidence on their Facebook accounts directly contradicted the lies the defendants told to the Social Security Administration,” a spokeswoman for the district attorney’s office told Reuters.

So far, 108 people have pleaded guilty to felony charges, and they must pay back about $25 million, according to Bloomberg.

A Facebook spokesman told Reuters that the company—which has argued that the search warrants give prosecutors too much access to private information—is considering an appeal.

MONEY Kanye West

The 5 Best Money Quotes From the New Kanye West Book

Kim Kardashian and Kanye West shop at Sport Store in Los Angeles
IRA/ZOJ—Wenn.com/Newscom

No pun intended.

A 200+ page ebook filled with Kanye West quotes recently debuted on the Internet, and — unsurprisingly — it’s replete with colorful commentary on finances, success, and celebrity.

The World According to Kanye, an unauthorized book compiled by writer Herbert Lui, specifically mentions money 24 times.

Here are some of Yeezy’s more insightful and/or pointed musings about finances from the book.

1. “Anyone that’s creative understands that there’s no amount of money that can be given to them to make them not want to, or have to, create. There’s no check out and there’s no cheque to stop you from [sic] creative. No pun intended when I’m saying no check.”

2. “We don’t run anything; we’re celebrities. We’re the face of brands. We have to compromise what we say in lyrics so we don’t lose money on a contract.”

3. “So many people talk about their investments or how much money they have but there’s so many rich people who spend a lot of that trying to buy a piece of happiness.”

4. “One of my courses was piano. I actually went to college to learn how to play piano. Talk about wastin’ some money.”

5. “The only luxury is time. The time you spend with your family.”

Well said, Kanye, because your $880 tattered sweaters definitely don’t look like luxury items to us.

MONEY Apple

Tim Cook Personally Expedited This Guy’s Apple Order

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Stephen Lam—Getty Images

Of course, there's a caveat.

This week, an Apple Photos user got the company to shave down a two-week wait for the delivery of prints to three days by tweeting directly at Tim Cook.

But the customer wasn’t just anyone.

The user in question is Washington Post book editor Ron Charles, a journalist with more than 27,000 followers on Twitter.

Charles wrote on the Post’s style blog Tuesday that he ordered a few dozen photos from Apple on July 19 and received a message saying the prints wouldn’t be delivered until July 31. Charles then tweeted:

Five hours later, Charles got a call from an Apple rep claiming that Tim Cook personally asked her to call about his photo order—and bumped his order delivery date up to Wednesday, July 22.

While this makes a fun (and cocktail-party-worthy) story about “customer service at the Olympic level,” as Charles put it, it’s also a smart PR move on Apple’s behalf.

Let’s see if common folk—or at least those of us with more modest Twitter followings—have any luck getting the same attention from Cook just by calling him out on Twitter.

Read next: Why I’m Returning My Apple Watch

MONEY credit cards

Citibank Must Pay $700 Million to Consumers for Illegal Credit Card Practices

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Bloomberg—Bloomberg via Getty Images

If you have a Citi card, you might be owed some cash.

The Consumer Financial Protection Bureau ordered Citibank Tuesday to reimburse about 9 million consumers for deceptive marketing and incorrect charges associated with credit card add-on services.

These holders of Citi cards—or those of a Citi subsidiary that issues store-brand cards for Macy’s and Bloomingdale’s—were victims of misleading sales tactics, the CFPB alleges. In many cases, confusing text on credit card applications got consumers to sign up for extra debt-protection services they didn’t necessarily want to pay for.

In some cases, says the CFPB, Citi charged customers for benefits, like credit monitoring, that they weren’t actually receiving. The company also implied to many customers that they were protected from fraud and identity theft, when, in fact, they were not, says the Bureau.

If you signed up for a Citi card between 2003 and 2012, there’s a chance you are eligible for money back.

“We continue to uncover illegal credit card add-on practices that are costing unknowing consumers millions of dollars,” CFPB Director Richard Cordray said in a statement Tuesday.

Any affected customers will automatically receive a statement credit or check, according to Citibank. And if you used to have a Citi card but no longer do, you still might be eligible for reimbursement; Citi says it will mail you a check in that case.

“Citi cooperated fully with the CFPB … and has taken extensive steps to address each issue that affected customers,” Citibank said in a press release.

In addition to $700 million in refunds to customers, the CFPB is demanding Citi pay a $35 million fee to the CFPB’s Civil Penalty Fund.

MONEY Travel

Tricks for Making Travel Cheaper

Travel + Leisure's Jacqueline Gifford shares tips for traveling well...for less.

Getting a great deal on a summer vacation doesn’t have to be difficult, and there are several things you can do to bring down your holiday cost.

Try a low-cost airline. Airlines like Norwegian Air and Wow Air offer cheap flights abroad.

Take a layover. It might take longer, but the price often beats a nonstop flight.

Be flexible. Certain days of the week are cheaper than others.

Travel in the off-peak season. Figure out when the shoulder seasons or low seasons are for your destinations, and try to go then.

Get a credit card with no international fees. You don’t want to get home and find out you were slammed with a lot of foreign transaction fees. Check out our Best Credit Cards.

Bundle. It’s often cheaper to bundle airfare and hotel together through an online travel agency.

 

MONEY Food & Drink

Insider Tips for Choosing a Great Cheap Wine

A Food & Wine expert shares his secrets with our Snob on a Budget.

If you love wine but don’t have endless cash to spare, choosing a bottle can be tricky. The problem isn’t a lack of low-priced options: The wine industry is growing rapidly and new inexpensive wines show up on wine shop shelves all the time.

The challenge is finding gems among potentially humdrum choices: How do you know which sub-$20 white wine to choose for your summer BBQ? Or decide how cheap is too cheap at a restaurant?

There’s good news for wine-lovers with little cash to spare: Studies show that most people can’t actually taste the difference between cheap and expensive wine.

And whether or not you have an especially sensitive palate, there are great values to be found if you shop smart. Here are some rules of thumb you can follow to end up with the finest wine possible on a frugal budget.

1. Look for Lesser-Known Varietals

Wines that Americans love—like Chardonnays—effectively come with a popularity “tax,” and tend to be the most overpriced. It follows that you’ll get a better deal if you look where others don’t, says Cornell Hospitality School wine lecturer Cheryl Stanley.

“Be adventurous,” Stanley says. “There are great values in some lesser known varietals and or regions.”

Those include wines from places with cheap labor costs and lots of inexpensive land, like Malbecs from Mendoza, Argentina, says Food & Wine executive wine editor Ray Isle.

2. Befriend Your Shopkeeper

If you can, try to find a local wine shop with employees who really care about their product.

“Don’t be afraid to give the retailer the price point you are willing to spend. They should know their inventory and be able to guide you to a great wine,” says Stanley.

The best part: Many neighborhood stores will be willing to give discounts to frequent shoppers.

3. Beware the “Second-Cheapest Wine” Rule

Generally you shouldn’t buy the second-cheapest wine at a restaurant, says Isle, unless you happen to know and love it.

Back in the day, wine-drinkers were advised to always go for the second-least-expensive wines on the menu, since they tended to be the best value (and—of course—nobody wants to seem miserly in front of a date).

But restaurateurs caught on, and now the second-cheapest wines tend to be the most marked up: A good reason to just go ahead and order that least expensive bottle. The good news, says Isle, is that any sommelier worth his or her salt will likely make sure that even the cheapest bottle on the menu is going to be great.

4. Skip “Finicky” Varietals

Some grapes simply don’t lend themselves to cheap wine, says Isle.

You see lots of cheap Pinot Noirs out there, for example, but since the varietal’s grapes are challenging to grow, those bottles are less like to be good value—and more likely to be cheap for a reason.

Higher production costs mean higher prices for the good stuff.

5. Get Technological

Arm yourself with free apps like Delectable, which lets you scan an unfamiliar label with your smartphone camera and view reviews and ratings from other people who have tried that bottle—kind of like a Yelp for wines.

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