This Service Will Deal With the Logistical Side of Your Breakup for $99

iStock.com/LightFieldStudios
iStock.com/LightFieldStudios

In the aftermath of a breakup, it can be hard to do anything but watch sad movies and eat ice cream in bed. But your broken heart isn't the only thing that needs attention when a relationship ends: If you shared a living space with your ex, you'll also have to deal with finding a different place to live, moving out, and furnishing your new space. Fortunately, the newly single don't have to navigate this process alone. As Fast Company reports, Onward is a new concierge service based in New York City that handles the practical aspects of a breakup so you can focus on recovery.

Onward wants clients to see breaking up as an opportunity to start a new phase of life, and to get you started on that path, they begin by finding you a new, temporary place to live. The service has connections with furnished, short-term rental options in the city that are ready for new tenants. The utilities and paperwork have already been figured out for you, so all you need to worry about is moving in. Onward will send over packers and movers to help you move out of your old place and move on with your life as quickly as possible.

If you're having trouble processing your emotions after a breakup, Onward offers support in that area as well. Instead of weeding through tons of therapists on your own, the service narrows down your options to one to three vetted mental health professionals within your insurance network in just 24 hours. A 10-day package from Onward, which includes housing placement, packing, moving, and mental healthcare search assistance, starts at $99.

Onward's services couldn't come at a better time—the number of U.S. adults in cohabiting relationships rose from 14 million to 18 million between 2007 and 2016. That means many couples who break up have to deal with the same complications of divorce without the legal guidance. And finding a new place to live can be expensive, which keeps many people from moving on: According to one survey, 28 percent of people cite financial security as a reason for staying with their current partner.

Services like Onward can not only help the recently dumped, but also those who have been putting off pulling the plug on an unsatisfying relationship. You can sign up for their service after answering a few questions on their website.

[h/t Fast Company]

Learn Python From Home for Just $50

Andrea Piacquadio / Pexels.com
Andrea Piacquadio / Pexels.com

It's difficult to think of a hobby or job that doesn’t involve some element of coding in its execution. Are you an Instagram enthusiast? Coding and algorithms are what bring your friends' posts to your feed. Can’t get enough Mental Floss? Coding brings the entire site to life on your desktop and mobile screens. Even sorting through playlists on Spotify uses coding. If you're tired of playing catch-up with all the latest coding techniques and principles, the 2020 Python Programming Certification Bundle is on sale for $49.99 to teach you to code, challenge your brain, and boost your resume to get your dream job.

Basically, coding is how people speak to computers (cue your sci-fi vision of a chat with a creepy, sentient computer), and while it does sound a bit futuristic, the truth is that people are talking to computers every day through a program called Python. The 2020 Python Programming Training Certification Bundle will teach you how to build web applications, database applications, and web visualizations in the world’s most popular programming language.

Python is also the language computers are using to communicate back to programmers. You’ll learn how Jupyter Notebook, NumPy, and pandas can enhance data analysis and data visualization techniques with Matplotlib.

Think back to your creepy, sci-fi visual from earlier; was it some form of artificial intelligence? Contrary to what you may have seen in the movies, artificial intelligence is something you can learn to create yourself. In the Keras Bootcamp, you’ll learn how to create artificial neural networks and deep-learning structures with Google’s powerful Deep Learning framework.

Coding is associated with endless text, numbers, and symbols, but the work code is performing is hardly limited to copy. Dig deep into image processing and computer vision tasks with sessions in OpenCV. You’ll give yourself an extra edge when you can use Python for sifting through information and implement machine learning algorithms on image classification.

Explore coding education with the bundle’s 12 courses, spanning from beginner to advanced levels, to elevate your skillset from home. The 2020 Python Programming Certification Bundle is on sale for $49.99.

 

The Complete 2020 Python Programming Certification Bundle - $49.99

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The Best Way to Defer Your Credit Card Payments During the Coronavirus Shutdown, Explained

Credit card companies can offer financial assistance, but there can be drawbacks.
Credit card companies can offer financial assistance, but there can be drawbacks.
alexialex/iStock via Getty Images

A number of financial relief options are available to Americans who have been affected by the unprecedented health situation created by the spread of the coronavirus. Mortgage companies are offering forbearances; insurance companies have lowered premiums for cars that aren’t being driven. Credit card companies have also acknowledged that cardholders may have trouble keeping up with their bills. While many companies are eager to help with debt and interest, there are some things you should know before picking up the phone.

The good news: If you’re unable to make your minimum monthly payment in a given month, major card issuers like Chase, Capital One, and others are willing to grant a forbearance. That means you can skip the minimum due without being hit with a negative strike on your credit report for a missed payment.

A forbearance is no free ride. Interest will still accrue as normal, and the card issuer may consider the missed payment deferred, not waived. If you pay $50 monthly, for example, and are able to skip a May payment, make sure the card won't expect a $100 minimum in June to cover both months. Ask the company to define forbearance so you know what’s expected. Some may be willing to lower your minimum payment instead, which could be a better option for you.

While the skipped payment won’t impact your FICO credit score directly, be aware that it could still have consequences. Because many minimum payments mainly cover interest, your balance won’t remain the same—it will continue to grow. And because that interest is still adding up, your total amount owed is still going up relative to your available credit, which can affect your score.

If you have a sizable amount due, the National Foundation for Credit Counseling (NFCC) recommends looking into alternatives to forbearance, like using savings to pay down some high-interest cards, taking advantage of zero-interest balance transfer offers, or even taking out a personal loan with a lower interest rate.

If you have multiple credit card balances and the prospect of trying to get through to a human to discuss payment options seems daunting, the NFCC is offering their assistance. The agency can put you in touch with a credit counselor who can act on your behalf, obtaining forbearances or other relief from the card companies. Be advised, though, that card issuers may want to get your permission to deal with the counselors directly. The program is free and you can reach the NFCC via their website.

Be mindful that emergency relief is different from a debt management plan, which consolidates debt and can have a negative impact on your credit card accounts.

In many cases, the best thing to do is to pick up the phone and deal with the card issuer directly. Explain your situation and ask about what options they have. Some might waive payments. Others might offer to lower your interest rate. No two card issuers are alike, and it’s in your best interest to take the time to see what’s available.

[h/t lifehacker]