Jason Witten’s Net Worth

Last week was the 2018 NFL draft.  Hopes and dreams were accomplished by hundreds of young men.  Many became millionaires overnight thanks to large contracts.  One of the biggest story lines from last week in the NFL wasn’t on those beginning their careers, but on a player ending his.  Jason Witten announced he will retire from the NFL.  While this did come as a shock to most, the fifteen year veteran believes it is now time for the next phase of his career.  Jason Witten’s net worth sits at $25 million.

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A tight end from the University of Tennessee, Witten was drafted by the Cowboys in the 3rd round of the 2003 NFL draft.  Unlike most, he spent all fifteen years of his NFL career in Dallas.  Jason reportedly wants to become a broadcaster, thus his reasoning for retiring.  He is almost a certain Hall of Fame inductee in the years to come.

Jason Witten signed his first NFL contract back in 2003.  His original deal was for $1.58 million over four years.  His play on the field was rewarded, and he would eventually sign additional contract extensions with the Cowboys.  His first extension came in 2006 and was for six years and $29.5 million.  Five years later the Cowboys added on additional years to his contract.  His largest extension was this one that paid him $37 million over five seasons.  It was this extension before the 2011 season that really gave rise to Jason Witten’s net worth.

His career as been nothing short of astonishing.  Witten amassed over 1100 catches during his career to go along with over 12,000 receiving yards.  Additionally, he was the recipient of 68 touchdowns.  Although his production has tapered off in recent years, he had four seasons of at least 1000 yards receiving.  In 2010 he set his season best with nine touchdown catches.  He holds the Cowboys franchise record for career receptions and career receiving yards.

While his stats are impressive, so are his NFL accomplishments.  He has been named to the Pro Bowl eleven times throughout his career.  He also won the 2012 Walter Payton NFL Man of the Year award that goes to the NFL player who exhibits off-field leadership in areas of volunteer work and charity.  He is the first and only tight end to ever receive the award.  The only thing Witten lacks from a near stellar career is a Super Bowl ring.

Witten is married to his wife Elizabeth and the couple has four children together.  There have been rumors that Witten is poised to accept a broadcasting position with ESPN for the 2018 NFL season.  ESPN is ready to offer him a multi-million dollar a year deal.  If Witten is able to sign such a lucrative contract with ESPN, Jason Witten’s net worth can continue to steadily increase in the years to come.

 

 

 

5 Things Millennials Spend Their Money On Most

Millennials get the worst rap of any generation. Touted as lazy and useless, memes that destroy their very character abound. Whatever the reason for the stigma, these stereotypes couldn’t be further from the truth. What’s closer to reality is that these “kids” have grown up with school shootings and political turmoil, so, yes, they’re a bit skeptical. They’re also very technologically savvy and known for not spending their money with abandon, mostly because there’s not a lot of money to be had right now. This last characteristic is what many consumers have studied, as people are trying to figure out just what it is this generation is spending their money on. Read on for five things millennials spend their money on the most.

  1. Travel

This is the generation that truly understands that when you die, you can’t take “it” with you—“it” being money. Now that’s a bit scary when one considers what their retirement funds will look like. Regardless, this generation values travel and all that comes with it—experiencing other cultures, tasting different ethnic foods, and, of course, taking selfies with incredibly scenic backgrounds. They might have to stay in hostels rather than five-star hotels as one of their ways to save, but the experience is worth it to them.

  1. Live Events

This goes hand in hand with number one, as again this isn’t something tangible like a car or house. Millennials love social events, and they spend a lot of their money on live music shows, festivals, and sporting events. As this Forbes.com article points out, “Millennials tend to define themselves by their experiences more so than other qualities or factors, so it comes as no surprise that funding experiences is a high priority for them.” That’s not to say they don’t value their careers, but they do so in different ways than Baby Boomers. Millennials see no issue with job-hopping, where Boomers have stayed with one company for most, if not all, of their careers.

  1. Cryptocurrency

Millennials are slightly rebellious, so it’s no surprise that they are dabbling in cryptocurrency. This is a digital currency that uses encryption techniques to regulate its currency generation, all outside the reach of centralized banking. Millennials have seen quite a few data breaches in their time, so it’s no wonder that they have some distrust of mainstream banking. Bitcoin is the biggest and most well-known of all the cryptocurrencies, but a number of successful altcoins have popped up in recent years that have shown a lot of promise—even in the face of the bubble that burst this past December. If you’re a Millennial looking to get in on this, there are sites that teach you about coinbase review and where to buy cryptocurrency.

  1. Rentals With Smart Features

Homeownership isn’t a huge thing just yet for this generation, but they are willing to pay more for rentals that come with smart features such as keyless locks, connected doorbells, remote-controlled devices, and security and entertainment systems. In fact, a survey conducted a couple of years ago by Wakefield Research (via Curbed.com) revealed that 86 percent of millennials are willing to pay an additional 20 percent for smart features. In fact, the study also showed that they would be willing to give up a parking space for these features. Say it with us: “Whoa.”

  1. Same-Day Delivery

This shouldn’t come as a huge surprise, as this is the Amazon.com generation that when they want something, they want it yesterday. Our parents would consider this a mortal sin but this generation considers it a part of life. Many posit that this is likely due to the fact that they were raised on smart phones, so getting things delivered to their door (even booze!) is as easy as the click of a button.

We know that millennials shun mortgages, cars, cable TV, and grocery memberships for places like Costco and Sam’s Club. In general, experience seems to trump all and, for better or worse, this doesn’t seem to be going away. While we respect this, we wish them luck in their retirement. Hopefully those crypto investments pay off!

 

Attempting to Get a Personal Loan? Be Sure to Avoid These Mistakes

There may come a time in your life when you face a financial hardship. Having unexpected expenses or losing a job can be very stressful.

Luckily, there are a variety of financial tools you can use to help you get out of these jams. Are you trying to figure out how to borrow 500 dollars with really bad credit? The best way to accomplish this is by using a personal loan. These types of loans generally have minimal approval requirements and fund very quickly.

With all of the personal loan options out there, you will have to do your homework before selecting one. The following are just some of the mistakes you should avoid when trying to get the right personal loan chosen.

Only Applying at Local Banks

While your local banks or credit unions may offer competitive rates on their personal loans, these institutions generally have very strict approval standards. If you have less than stellar credit, chances are you will have a hard time getting approved for a bank loan. Instead of only applying at your local bank, you need to broaden your horizons.

There are a variety of online lenders that can offer these loans. Generally, these online lenders will have very flexible approval standards. This means even people with bad credit can get approved with ease. Before using a particular lender, be sure to find out more about their reputation by looking at some online reviews.

Failing to Check Your Credit Score Beforehand

Before going out to apply for a personal loan, you should take a look at your credit report. Getting an idea of what your credit score is can help you prepare for the loan application process. If your score is low, then you probably need to avoid applying with traditional banks.

Applying with a bank will only lead to your credit report getting pulled for no reason. The more hard inquiries you have on your credit report, the lower your score will inevitably get. Finding out this vital information beforehand can help you narrow down the list of lenders at your disposal.

Choosing the First Personal Loan You Find

Jumping on the first personal loan you come across can lead to you overpaying. You should invest some time and effort into researching all of the loans at your disposal. Looking at the interest rates and repayment terms of these loans can help you make the best decision.

Most lenders will be happy to go over the particulars of the loans they offer with prospective clients. Once you have all of this information, choosing the right loan will be a breeze.

Borrowing Too Much Money

Before going out and trying to find a personal loan, you should get an idea of how much you need. While it may be tempting to borrow a large sum of money, you need to remember this money has to be paid back. Borrowing too much will usually lead to being put in a financially compromised position.

If you take the time to weigh all of your lending options, it will be much easier to make an informed decision. With a personal loan, you can get back on the right track and pay off your bills in no time.

 

Stream Energy Advice on How to Buy an Energy Efficient Home

Moving home is considered to be one of the most anxiety ridden things you can ever do. If you ask most homeowners, they will probably agree with this sentiment. Budget is an important concern; therefore, if you want to keep your costs low, energy efficiency is something you should pay attention to when purchasing a new house. If you are not sure what to look out for, Stream Energy has provided some great tips to assist you.

The Walls

If you are looking for the real energy demons, you will find them hiding in the walls! Good wall insulation will not only keep you and your family warm, but also reduce the cost of your heating. Ask your agent about the property walls, they should be already insulated if they are less than ten years old. If the house has cavity walls, you can fill a small gap for approximately $500. Older homes typically have mud set walls which are more expensive to insulate.

Check The Boiler

It is important that a boiler is serviced on a regular basis. Stream Energy states that if it is older than eight years old, there is a high probability that it will need replacing with a new more efficient model. Always make sure that you ask about the current state of the boiler. A new boiler isn’t cheap, but if you purchase one with an Energy Saver approval seal you will save money in the future.

Check The Floorboards

Cracks in the floorboards will cost you more than the quarters that you keep dropping down them! They are also a large source of heat loss; this is especially true in older houses where there has been a change in structure over time. However, you can easily fill these cracks up with a sealant and reduce your energy bills.

Check The Roof

The average home can lose approximately 25 percent of its heat through the roof. Although the majority of houses have some form of loft insulation, most still don’t have the recommended amount. Make sure that you have a look in the loft and ask questions about the type of insulation that it has.

Check The Windows

Double glazed windows make a huge difference to the cost of your energy bills. They also reduce noise and condensation. As much as 10 percent of heat is lost through the windows of a home that hasn’t been insulated. The amount it will cost to double glaze your home will depend on the type of double glazing you choose.

Look South

Houses that face south are not just beneficial for getting a sun tan, but they are also good for energy efficiency. If the house you are viewing has a lot of windows that face south, you will attract the most heat and light which will reduce the amount of money you spend on your energy bill.

Final Thought

When you finally settle into your new home, Stream Energy wants to ensure that you pay the least amount possible for your energy bills.

 

 

Jarvis Landry’s Net Worth

Jerry Rice will go down as one of the greatest wide receivers ever in the National Football League, but even Jerry won’t make as much money as the top wideouts make now.  Mike Evans recently set a contract record for annual salary per season with his most recent contract, but a close second place will go to Jarvis Landry.  Landry spent the first four seasons of his NFL career with the Miami Dolphins.  He recently signed a massive contract and switched teams to the Cleveland Browns.  Jarvis Landry’s net worth is $2 million.

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NFL WR Jarvis Landry

A star wide receiver at LSU, Jarvis played three seasons for the Tigers before declaring for the 2014 NFL draft.  He was selected in the 2nd round by the Miami Dolphins.  In his first four NFL seasons with Miami, Landry posted at least 80 catches and 750 yards receiving in each season.  During the 2017 campaign, he set career bests for receptions, 112, and receiving touchdowns, 9.  Because of his dominance early in his career, the Dolphins knew they were going to have to pay to keep their top wideout around.

Miami was unwilling to open their checkbook for Jarvis, which ultimately led to him being traded to the Cleveland Browns in exchange for a couple draft picks.  Not long after he was traded, Jarvis Landry signed a new long term contract valued at $75 million over five seasons.

With his new contract signed, expect Jarvis Landry’s net worth to increase dramatically over the next few years.  He is currently living off his initial contract which was valued at $3.47 million upon entering the NFL.  He is projected to make over $15 million this season alone, more than four times the money he made his first four seasons in the league.  Is he deserving of such a lucrative contract?  The simple answer is yes.

Jarvis Landry is a three time Pro Bowler, making the cut each of the past three seasons.  In 2017, he led the NFL in receptions with 112.  Although the Browns still have some questions around the quarterback position for the upcoming season, expect Landry to be the top target of whoever is throwing him the ball.

Jarvis’ top athletic ability was seen from an early age.  He was a three-sport athlete in high school and was a five-star recruit coming out.  He signed with the LSU Tigers which would keep him in the state he grew up in.  He comes from a family of football players and is really good friends with former LSU wide receiver Odell Beckham Jr.

The Cleveland Browns have just one win over the past two seasons.  Jarvis is hoping that he and a lot of young talent can help turn the organization around.  While it may take a few years of development before the Browns reach the playoffs, Jarvis Landry’s net worth is making an immediate climb beginning this season.

How To Save Money On Pet Expenses

Owning a pet is an amazing experience. You have a best friend right there living with you, after all! But between all of the fun and games, the costs of owning your very own companion can be a lot higher than people may realise initially. From food and bedding, to unexpected vet bills, covering the payout might not be within a lot of people’s budgets. However, while you could opt for payday loans in the case of a financial emergency, saving money on your pet expenses is easier than you think. Here’s how:

Buy Food In Bulk

When it comes to feeding your pet, this can often be one of the biggest, but will also be the longest-running cost you’ll face with owning a pet. Bigger packets of food tend to be more cost-effective, and with that in mind, buying in bulk can be the best way to save money altogether. However, it’s important to bear in mind that while cheaper brands could be tempting because of the low price tag, they could also end up being worse for your pet’s health, which of course leads to unexpected vet bills (more on that later!) All in all, shopping around and being prepared to buy in bulk could save you hundreds over your pet’s lifespan.

Get Pet Insurance

Pet insurance is both the best, and one of the most costly things you’ll buy for your pet. While it can seem costly when you’re paying it out every month, the money that you’ll save by having that insurance if something goes wrong is well worth the monthly payments, trust us. Whether your pet falls ill, is injured or needs any kind of treatments. Most insurance policies will even include cover if your pet injures or is accused of injuring a third party, and sometimes even the cost of putting out ‘lost’ posters.

Buy Any Medication Online

If your pet does end up needing medication, buying this online could save you an amazing amount of money. Some sites will need a prescription in order for you to buy, but if you can pick this up from your vet (remember that pet insurance we mentioned?) then you can buy the medication a lot cheaper without compromising the health of your pet. Common supermarket medications can also be found cheaper online, so it’s worth checking it out any time you need flea treatments!

Buy Toys Or Bedding From Charity/Thrift Shops

The temptation to buy expensive toys for your pet is going to be one you find hard to resist, but it’s perfectly okay to pick up toys and bedding from charity or thrift shops when you come across them. Your pet isn’t going to be fussy, so neither should you! Charity shops in particular won’t sell anything that isn’t of a good enough quality so don’t hesitate to pick up anything second hand!

When it comes to caring for your pet, ensuring that it’s well-looked after is a must, but we understand that finding the costs in which do this isn’t always as simple as it seems. Using our money-saving tips, you can easily budget effectively without reducing the quality of your pets life!

 

What Should a Millennial Spend on Rent

Rents have been steadily increasing throughout the United States over the past decade.  Ever since the financial crisis, people have somewhat shied away from home ownership and opted to rent.  With the demand for rentals on the rise, a sharp increase in monthly rents has been a clear side effect.  The old rule of thumb used to be 30% of one’s income should be spent on rent; however, we are now seeing a burden like never before.  What should a millennial spend on rent?  The simple answer is as little as possible.Image result for what should a millennial spend on rent

Millennial’s are those born from the late 1980’s to the early 2000’s depending on who you ask.  These individuals tend to have a high burden of student loan debt, which makes it all the more concerning that they are spending high amounts on their monthly rent.  A recent report came out showing that millennial’s will spend close to six figures, yes, $100,000 on rent before they turn 30.  That is a staggering amount considering that most are also in the process of trying to pay off student loan debt.

3 WAYS TO NOT SPEND 6 FIGURES ON RENT BEFORE 30

  1. Get a roommate.  Sharing a two bedroom with a friend is a simple and easy way to save money every month.  Sure two bedrooms cost more than a one bedroom, but when you split it two ways, it comes out to about a 30% savings versus living on your own.  This isn’t a long term solution, but it is a good way to free up additional income every month.
  2. Move in with a significant other.  While some will shy away from this advice, there are many benefits to doing so.  I knew a couple who had to live apart until the day they were married for various reasons.  They chose to do this in order to respect the wishes of others.  However, they were basically spending an extra $1000 a month on an additional apartment that got little to no use, all to please a few.  They could have used that money to build up an emergency fund or increase their down payment on a future house.
  3. Buy a house.  While buying a house requires more responsibility and obligations than renting, it is also a good choice to lower your monthly expenses and build equity.  For example, a $200,000 loan on a property with 20% down will give someone a monthly payment of approximately $1250 a month.  Depending on the area of the country you live in, it will almost certainly be cheaper than paying someone else to rent.

CONCLUSION

While some see a benefit to renting, there are also many drawbacks financially.  Although we can’t exactly put into numbers what should a millennial spend on rent, there are ways to reduce your monthly expenses.  Whether you are able to implement one of the solutions above into your situation or not, living costs will be your largest expense every month.

Budget Smart, Invest Wise

 

The 3 Types of Loans You Are Likely To Encounter in Your Life

In most cases, most people in the United States will have to take on at least one kind of loan in their lifetime. Whether it be a car loan for your first car as an adult, a mortgage for your exciting first home purchase or some loans to help you further your education; loans are a necessity for most of us.

This article will take a closer look at each of the three most common types of loans, and provide some more information about them as well as some tips on utilizing them correctly. These loans can be great, but can also cause you a lot of trouble and heartache if they are not paid back on time, or at all.

Before even looking any closer at these loans, be sure to only take out loans that you can afford to pay back. If you take out a loan with payments that you simply cannot afford every month, you could find yourself drowning in debt and living in a constant state of stress as a result, so be sure to have a budget and stay within it.

Vehicle Loan

Unless you have thousands of dollars of cash on hand to purchase a vehicle, you will need to get a car loan. These loans can be provided by banks, local lenders, and even online lenders are throwing their hats into the mix.

These come in all different shapes and sizes, and are generally easy to get as long as you have an income and are living within your means. Whether you want to pay a certain amount every week, or just make loan payments once a month, there are options for you. Of course, there are more options (and cheaper rates) if you have a good credit score, but there are a ton of options for those with a “less than perfect” financial history.

These vehicle loans can be unsecured or secured, and the interest rates and other terms will often vary depending on if they are secured or unsecured. However, in addition to loan payments, you also need to think about the other costs of owning a vehicle, such as maintenance, insurance, gas and more.

Home Loan/Mortgage

Purchasing a house is a big choice and you have a lot to decide on including where you want to live, what size of a house to buy, which neighborhood to live in, and more. However, another choice you need to be sure to make is which type of mortgage you will get.

We all know that mortgages differ in terms of rate, term and length, but what you might not have known is that there are actually different categories of loans, too. On one hand, there are conventional loans, and on the other, there are government loans.

Conventional loans often require a downpayment and are less flexible, but generally have cheaper mortgage insurance, whereas government home loans (such as a USDA home loan) often require no or a low down payment, are very flexible, but generally have higher mortgage insurance premiums.

Student Loan

While scholarships can help certains students, others rely almost exclusively on student loans to get the chance to further their education.  They can normally be used for tuition, food, rent, computer, transportation and other student expenses.

Like other kinds of loans, there are different types of student loans. There are federal loans (both subsidized and unsubsidized) and private loans. Federal loans are generally better and cheaper if you can qualify for them, but if not, private loans are an option.

However, you need to be careful with these loans. Americans owe more than $1 Trillion in student loan debt, spread out over 40 million people. These are staggering numbers that just show how many people utilize these loans. To ensure you aren’t contributing a lot to that statistic, be sure to pay off your student loans as soon as you are able, as some people end up stuck paying off these loans decades after they graduate.

 

3 Examples That Show Sign-Up Bonuses Are Everything

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When it comes to registering with companies, whether they be banks, retailers or something in the leisure industry, it can often feel like they’re doing you a favour by allowing you to be part of their world. Well, we don’t think this should be the case as it is the consumers that keep any company alive! This is why some industries have introduced sign-up bonuses, to reward people willing to come and give them the time of day. Plus, as more companies begin to realise the importance of patrons, we’re getting better sign up deals than ever. Today, we thought we’d take a look at a few examples of sign-up bonuses in different industries to show you how much you can benefit.

1. Credit Cards

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First and foremost, we have to talk about credit cards. We all know there are quite a few different opinions when it comes to these nifty little tools, with some believing that they can lead to mass amounts of debt and others viewing them as credit score saviours. As long as you are responsible with your personal finances and know that you are reliable enough to pay your loan back every month, credit cards are without a doubt a great, useful tool. 

Of course, there are so many to choose from that it can be difficult to pick a specific card, and we all know you don’t want dozens of credit cards on the go at once. One way you can narrow down which credit card is best for you is to look at the sign-up bonuses each bank and company offers. If you have an impeccable credit score then you could be approved for some incredible sign-up bonuses that can range from $50 to $250, if not even more. That said, standard cards often come with their own welcome packages, so it is definitely worth comparing before committing. 

2. Bank Accounts

Like credit cards, debit cards and savings accounts often come with sign-up bonuses as well. Plus, while credit cards are a luxury, everyone needs at least a debit account to get through everyday life – especially if you need to build your credit rating to get a credit card at all. Fortunately, almost every bank offers bonuses on at least one kind of account as they want as many people as possible to choose them and remain loyal for as long as possible. 

There are quite literally hundreds of sign-up bonuses being offered by banks around the United States and the world at any given time, often including money, interest rates and even discounts at specific retailers. Checking all of these different bank offers can be tricky, but simply do your research or check a site like Wallet Hacks to see which offer works best for you. 

3. Online Casinos 

Now, let’s get into an industry that is a lot more fun than banking and credit scores: iGaming. Online casinos have thrived over the last few decades, becoming one of the most successful online industries of the 21stcentury and allowing players all over the world to come together and play their favourite games whenever and wherever they want. Like credit card companies and banks though, each individual business must put out competitive sign-up bonuses to beat the competition.

So they should, as like our previous two examples, online casinos are dealing with your hard-earned money and valuable time. Before choosing any specific casino to commit to, do your research by visiting sites like Oddschecker, where welcome packages are compared fairly to ensure you get the best deal. These welcome packages could include anything from no-deposit bonuses to free spins and are always worth checking.

There you have it: three examples of why sign-up bonuses are great for companies, and perhaps even better for consumers. Are there any other industries that have great sign-up bonuses? Are there any specific welcome packages out there at the moment we should be looking at? Let us know in the comments below.

The Importance of Predictability in Finances

Many people enjoy a lack of predictability in at least some facet of life. Surprises can keep life interesting and exciting, after all. However, there are situations where surprises are not desirable at all. One case of this applies very much to personal finances.

People generally want their personal finances to be as predictable as possible so that they know exactly how much they will be making or how much they will need to pay for a certain bill every month. Of course, there are pleasant surprises when it comes to personal finances, like when you end up having to pay less than you had expected, or you end up getting a surprise bonus check at work, but these types of surprises are very rare. When it comes to personal finances, it’s much more common for surprises to entail a loss of money rather than a net gain.

Predictability is often the most desirable state when it comes to personal finances, as people like to know when their payment due dates will be every month and that they will not have to pay more than they are expecting to pay. Having to pay more for an unexpectedly high bill will take away money that you may have been planning to spend somewhere else, which can be highly frustrating.

With this in mind, it pays to know as much as possible about a financial arrangement before putting your signature down. For example, learning what are installment loans repayment plans can be determined by reading the details outlined by lenders on their websites. It might seem like a lot of confusing financial language, but similar to learning a foreign language, eventually you start to catch on to the lingo. Furthermore, a good sign of a trustworthy lender is the level to which this information is provided.

Another common source of undesirable unpredictability when it comes to personal finances is earning less money than you had expected to earn. This can happen when your hours have been cut back at work due to a decision that was out of your control, or when you suddenly lose your job with no warning and do not have time to get a new job without having a gap in employment. In these situations, which commonly arise, you will have to make do with a smaller amount of money and may have to cut back on what is already the bare necessities.

As you can see, there are many reasons why predictable personal finances are highly valued by anyone who does not want to end up in a financial crisis. Ideally, the situation will always be predictable, with no unexpected losses of income or surprise bills popping up, but the reality is that this is not always the case. If you end up with less money in your budget than expected, it is important to be prepared for the situation and know how to deal with this less than ideal predicament, and have a backup plan if necessary, such as an emergency fund. If you are already in this situation and have no idea how you are going to get through it, keep this in mind for next time so that you are better prepared when the situation arises again.