TessMore Finance Blog

Quick Navigation The Difference Between a Mortician and Funeral Director What Does a Funeral Director Do? The Changing Funeral Business Get Started in the Funeral Business Licensure State Licenses National License Classwork for the License Cost of Getting a License School Exam Licenses Funeral Director as Entrepreneur Green Funerals Pet Funerals Other Jobs in the Funeral Industry Frequently Asked Questions (FAQs) About Funeral Business Jobs There are a lot of reasons for thinking about becoming a funeral director, the funeral industry’s preferred term for mortician. For one, the unemployment rate is low. For another, there’s always a need. And, it is one of the careers that does not require a bachelor’s degree that still pays well. Funeral directors make an average of $55,000 a year. That’s the average and some directors with more experience bring in more than $70,000. As far as school, most states require an associate’s degree, an apprenticeship/internship, an

The weather’s getting colder. The days are getting shorter. Before you know it, Christmas will be here. While you’re out shopping for gifts, it can be very tempting to add a bunch of holiday decorations to your cart to help get your home looking merry and bright. But the cost of Christmas decorations often gets overlooked when making your holiday budget — and you end up spending way more than you thought you would. To avoid that post-holiday regret, consider these low-budget suggestions for decorating for Christmas. 23 Ideas for Cheap Christmas Decorations Deck the halls without wrecking your finances. Here are 23 festive ideas for cheap Christmas decorations. 1. Wall Christmas Trees A flat Christmas tree hung on the wall is a great space saver and money saver. You can make wall Christmas trees out of a string of lights, garland, a large piece of felt or even Washi tape. Check out this article from Apartment Therapy for ideas. It looks festive with or without a tree topper! 2.

Quick Navigation Great Travel Freebies and Deals in 10 Must-Visit Cities Seattle San Francisco Los Angeles Las Vegas Santa Fe, New Mexico New Orleans Charleston, South Carolina Washington, D.C. New York City Chicago After a year and a half of travel restrictions, stay-at-home orders and individual health concerns, the world is opening back up and that’s music to the ears of those of us traveling again. But even if you’ve been saving lots of money while waiting out the pandemic and are ready for some revenge travel, you’ll still want to watch your pennies. Good thing there are some great deals out there — some of them even freebies. From hotel deals to food offerings to reduced prices for tours and even free walking tours, travel may be more affordable than ever right now. We found offers in 10 U.S. cities that will make you want to pack your bags. Great Travel Freebies and Deals in 10 Must-Visit Cities Seattle Seattle has transitioned from a mid-size regional cent

Cost Of Goods Sold Definition Cost of goods sold (COGS) is the cost of producing the goods sold by a company. It accounts for the cost of materials and labor directly related to that good and for a designated accounting period. As a company selling products, you need to know the costs of creating those products. That’s where the cost of goods sold (COGS) formula comes in. Beyond calculating the costs to produce a good, the COGS formula can also unveil profits for an accounting period, if price changes are necessary, or whether you need to cut down on production costs. Whether you fancy yourself as a business owner or a consumer or both, understanding how to calculate cost of goods sold can help you feel more informed about the products you’re purchasing — or producing. What Is Cost of Goods Sold? Cost of goods sold is the cost of producing the goods sold by a company. It includes the cost of materials and labor directly related to that good. However, it excludes indirect expen

You’ve probably already noticed it in recent years – the tide is turning against Black Friday. Public perception of the shopping-focused holiday has soured, largely due to a growing distaste for consumerism and concerns about the welfare of retail workers. If you’re on the fence about Black Friday, you might be interested in National Buy Nothing Day. We’ll explain how it works, and offer some ideas on how to celebrate. What is Buy Nothing Day? A few years ago, when Black Friday started expanding to Thanksgiving Day and beyond, some retailers and consumers started protesting the changes. That’s when Buy Nothing Day started to gain wider recognition. Originally started in 1992, Buy Nothing Day is exactly what it sounds like: a holiday that is celebrated by not spending money, both in physical and online stores. Consumers have different reasons for celebrating Buy Nothing Day, including environmental and ethical concerns. Others may also use Buy Nothing Day as a way to avoid the emoti

Image editing software company Canva recently raised another round of financing that valued the company at $40 billion dollars . 40 billion is a lot of dollars, so what does that mean exactly?  How are companies valued, and what does that mean for investors? An everyday investor doesn’t need to know all of the details of company valuation in order to be successful. Still, it makes sense to have a basic understanding of how companies are valued. What is Company Valuation? A company’s valuation is a measure of how much the total company was worth. There are many different ways to value a company. This includes historical earnings, future earnings potential, or the sum of its assets minus any liabilities.  Historically, it was common for a company’s stock price to be a multiple of their net annual earnings. If General Motors earned $3 billion in a year and had 600 million shares of stock, they would have annual earnings per share (EPS) of $5.00.  In current times, it is less common fo

If you’ve had bank account troubles in the past, you might want to check out banks that don’t use ChexSystems . After all, a poor bank account history shouldn’t mean that you can’t open a checking account. In this post, we’ll cover what ChexSystems is, how it affects your ability to own a bank account, and what you can do if ChexSystems gives you a low score. We’ll also provide you with a list of banks that don’t use ChexSystems. Table of Contents What Is ChexSystems? How Does ChexSystems Work? What Are ChexSystems Scores?  What Might Affect Your ChexSystems Score? No ChexSystems Banks Vs. Second Chance Banks  Best Banks That Don’t Use ChexSystems 1. CIT Bank 2. Current 3. Acorns 4. Chime 5. SoFi Money 6. Renasant Bank 7. FSNB 8. United Bank 9. Navy Federal Credit Union 10. TD Ameritrade Cash Management Account 11. GO2bank 12. Varo Bank 13. First American Bank 14. Langley Federal Credit Union 15. Douugh Final Thoughts What Is ChexSystems? In a nutshell,