College graduate with a double major and no debt; 3 best uses for your tax refund; Cautious optimism for new H-1B plans

The 3 best uses for your tax refund – Most people — about 83 percent — get a refund on their taxes. Few among us get our tax returns mailed to us. Astonishingly, 92 percent of refunds have been directly deposited into taxpayer accounts. That’s good, because it minimizes the temptation to splurge. Instead of taking that extra cash and buying something extravagant or taking a vacation, here are the three best uses for your tax refund.

The college graduate with a double major and no debtHow’d she do it? She should thank her parents and her 529 plan.

Living a dream life in Manhattan without a huge salary and no debt – While it might seem like a dream, you can do this. Clipping coupons and living below your means can get you there. “If you can make it there, I can make it anywhere. It’s up to you…” Imagine if you chose to live that same lifestyle, but didn’t have to pay those Manhattan rents? Think how much money you might be able to save and invest and maybe even retire early. It’s up to you…

Here’s an interesting twist – Who is buying ETFs? Increasingly, it’s mutual funds

In-between jobs? You still need appropriate medical insurance – How to Get Short-Term Health Coverage

Looking for career direction – It never hurts to follow the money. The 25 highest-paying jobs in America. That said, I still believe it makes more sense to find the happy medium between doing what you love and something that makes you money. Heck, alternatively you could do what you are really good at for a decade or so — if it’s the kind of job that makes you a lot of money — bank that salary and then be able to live a simpler, happier life doing what you want afterwards.

Free Tuition – You might be able to get free tuition at these universities, but there is a somewhat small catch.

Fewer mortgage applications – Despite somewhat lower interest rates, the applications for home mortgages has declined in the past week.

Noses in the air – American Express, challenged by Chase, is losing the “snob” war

Waiting for those AirPods? – Apple AirPods are still on a six-week shipping delay.

Everybody likes free – Apple’s productivity apps are now free.

Risk in your portfolio – The active vs. passive debate has nothing to do with risk.

And speaking of risk… – What risks are often forgotten when putting a financial plan together?

We’ve moved past meritocracy – Welcome to the hyper-meritocracy. What skills you need to succeed.

Hopes for a Revamped Visa ProgramTrump signed an order regarding H-1B visas. His comments that H-1B visas should include only the most skilled and highest-paid applicants and should never, ever be used to replace American workers” was a positive statement to tech companies. To date, the H-1B process was a lottery; if it’s limited to highly skilled workers, a greater number of harder-to-fill positions might be filled. Tech companies are usually looking for those with advanced degrees, like a masters degree or a Ph.D.

Infographic: Which U.S. Industries File Most Work Visa Applications | Statista You will find more statistics at Statista



image credit: Aaron Hawkins

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