January 27, 2018

20952 Views

Debt Management for Travel Nurses

Posted on January 27, 2018May 7, 2021 by Honza Hroch – CreativeNurse

Debt management can be a very difficult to handle properly and having debt can be stressful and if managed in the wrong way it can be devastating to your finances. Not only can debt cut in to your cash flow today but it can also hurt your future spending power.

As a nurse, a lot of your time is spent helping others get back on their feet and helping others get through tough times but could it be that you have neglected taking care of yourself. You went through school and many of you had to borrow money to pay for your education.

Short term debt

In regards to having debt we often see a lot of short term debt such as credit cards and student loans being handled without much thought behind and planning behind it. These debts may have come from either good or bad decisions. Student loan debt has helped you get secure a well-paid job whereas credit card debt often is from overspending, traveling, and too much shopping.

So, if you have outstanding debt and you feel frustrated about paying for it and feel like your overall finances are at standstill due to this debt then read below for a couple of new ideas and options on how to treat your debt.

1: Beware of accelerating those debt payments

You must understand the right order of handling your finances and understand that even though paying off your debt as fast as possible would feel great it may not always be smart. Before making extra payments toward your credit card balance or student loan debt make sure that you have your emergency fund built up. We always recommend having at least 6 months of living expenses put aside before you start paying extra towards your outstanding loans.

Now there are many ways to get those short-term savings built up. You can start by not making extra debt payments or extend the terms on your student loan. Very often your student loan payoff schedule will allow you to stretch out the payments. This will lower your monthly payment and will allow you to put that cash towards your emergency fund. You can also look at your retirement accounts that you are funding. If you are putting 10% into a 401(k) you can stop that or lower that contribution for one year and use the extra cash flow to put towards your short-term savings. The main reason why we want to emergency money bucket filled up is that if some life event occurs and there are no savings in place new credit card debt or new personal loan debt most likely will occur.

2: Utilize your existing assets

If you already have your emergency money account in place and you have outstanding credit card debt, there are a couple of ways to attack the issue. The number one thing that must occur is to look at what has caused this credit card debt to show up. We understand that having fun and enjoying life is important but those extra shopping sprees and dinner at nice restaurants can be devastating to your finances. If your debt is growing due to overspending, you have to start by building your budget and get a good understanding of where the money is flowing and get that under control.

Once a budget has been put in place look at ways that you can free up money to pay off your credit cards. Some sources that are potentially viable are:

Savings accounts (the balance above your 6 months’ emergency level)
401(k) loan (you may be able to borrow and pay back yourself). Make sure you understand the cost of borrowing money from a retirement account and make a comparison between paying your cc vs a loan)

Consolidation loan. Talk to a bank or a credit union and see what they will do for you in regards to consolidating your credit card debt into a personal loan with most likely a much lower interest rate.
Look at the equity in your house and see if there are option to get a line of credit and use that money to pay of high interest debt.

Written By: Honza Hroch Co-Founder of CreativeNurse
This material contains the current opinions of the CreativeNurse® but not necessarily those of Guardian or its subsidiaries and such opinions are subject to change without notice.

2017-39243 Exp. 4/19

If you are a new travel nurse or looking into becoming a travel nurse:

START HERE

Travel Nurse Guide: Step-by-Step (now offered in a PDF Downloadable version!)

By The Gypsy Nurse

October 3, 2017

55171 Views

Make an Informed Choice: 401(k)s and IRAs for Travel Nurses

Posted on October 3, 2017May 12, 2021 by The Gypsy Nurse

Making informed choices on investments as travel nurses often get overlooked.

Gypsy Nurses, your travel nursing career provides a tremendous amount of freedom and variety; you can explore new places, meet new co-workers, and control many aspects of your daily routine. However, as much as you may love being a Gypsy Nurse, that doesn’t mean you’ll want to do it forever.

Retirement goals are significant to travel nurses who look forward to spending more time with loved ones and a slower, more relaxing pace. So, you need to plan for retirement sooner rather than later to help ensure you get there and enjoy it!

Consistent Funding is KEY

Most retirement planners agree that it’s not the amount but regular, consistent funding that’s the key to successful retirement savings.

Some quick math: You might be surprised at just how much you can save with a steady plan.

For example: if you’re 25 years old and contribute $50 a paycheck with 26 paychecks per year, at a retirement age of 65, your retirement account balance could be worth $277,692. Increase that contribution to $60—that raises the potential balance to $333,231. These scenarios assume a very conservative 7% rate of return on your investment and are by no means a guarantee, but it’s important to understand the impact proper planning can have. While it’s certainly better to start saving early, understand that it’s also never too late to start saving for retirement – don’t give up if you’re an “older Gypsy” and haven’t started – now is the time!

Choosing the correct retirement vehicle is also critical in your planning.

With many agencies touting their 401(k) plans as retirement savings vehicles, you also need to take a hard look at what these plans can mean for you and your specific situation. The 401(k) plans the agencies are marketing often sound very attractive, yet if you take some time to read the fine print, the reality may surprise you.

In fact, after interviewing financial experts regarding 401(k) and IRAs as options for travel nurses, we found that a traditional IRA may be the smarter choice than a 401(k) for most travel nurses. Why? An IRA provides a convenient, effective, hassle-free way to manage your retirement account, regardless of who your employer is.

Here are some basic facts and realities of 401(k) and IRA plans we pulled together to help you sort through the noise out there:

Overview of IRAs and 401(k)s

Traditional IRA and 401(k) plans are the most popular types of retirement savings accounts that let the individual make “tax-deferred” contributions to the account. Tax-deferred means that you are not required to pay Federal income taxes on the money contributed to the savings account, but you’ll have to pay taxes on it later when you withdraw it upon retirement.

Investment companies typically administer these accounts so that the employee can invest the money in any number of available investment vehicles. All investment vehicles have some degree of risk associated with them and varying rates of return. Similar options are available for both 401(k)s and IRAs.

401(k) Matching Myths

Fact:

Many travel nurse staffing firms often hype the “matching” component of the 401(k) plans they offer. This means the agency will match the contribution up to a predetermined amount, dollar for dollar. For example, the agency could contribute $1 for every $1 that the employee contributes, up to 3% of their annual salary.

Traveler Reality:

Unfortunately, these firms rarely mention that most travel nurses don’t work at one agency long enough to meet the “vesting” requirements for matching funds. A “vesting period” is the period before the employer contributions are actually owned by the employee and can often be years long. For example, if the agency has a 2-year vesting period and you switch agencies after 1 year, you will forfeit the $1 for $1 employer’s match. These vesting periods are often unrealistic for travel nurses because they may change companies to secure specific job assignments.

Additionally, some agencies fail to make you aware that there is a “wait” period that requires some time frame of continuous employment before you can participate in the 401(k) program as well as any matching benefits. You may not even be permitted to take advantage of 30 – 90 days out, nearly the length of the assignment.

Retirement Plan Management 101

Fact:

Since you may decide to switch agencies over the course of your career, you may quickly end up with several 401(k) accounts that require attention. Managing these diverse accounts can get cumbersome as well as expensive. All of them will have some administrative fee associated with them. You can “rollover” the previous 401(k) to the 401(k) of your new agency, and you can also cash out or transfer to a traditional IRA.

Traveler Reality:

Many agencies don’t mention that additional fee are associated with certain actions that quickly lower your investment balance. For example, there are fees to transfer money out and taxes and penalties to cash out of your 401(k). The IRA for a retirement vehicle provides all the tax benefits of the 401(k) as well as the flexibility to fund it no matter which agency you work for or how many times you change; you carry it with you regardless of your employer or career choices. This means less paperwork, and it also avoids fees, both internal and external, for administration and transfer that are incurred if you have a 401(k).

Making Sense of Contribution Caps

Fact:

There is an $18,000 annual contribution limit (note: some plans have a “catch up” component that enables those over 50 years of age to contribute more) to the amount of money you can contribute to a 401(k) plan. In addition, there will often be a limit to the amount an agency will match in their program that’s dramatically lower than $18,000. Furthermore, there are investment limits to an IRA account. This is based on several factors, including your income. In general, the limit for IRA contributions set by the IRS is $5,500 for the 2017 tax year, with an additional $1,000 contribution allowed if you’re over 50.

Traveler Reality:

Data suggests that the IRA contribution caps do not impact most travel nurses. Most travel nurses don’t reach the maximum amount in their typical investment behavior. For example: using our $50 per paycheck example, this adds up to $1,300 for the year. It’s important to clearly understand if the cap is a practical issue before giving up all the benefits and flexibility of an IRA account.

The Gypsy Bottom Line – IRAs are a Better Choice for Most Travel Nurses

Many travel nurse staffing agencies are vigorously marketing their 401(k) plans, but these are filled with rules and restrictions that quickly diminish the overall value and convenience of a 401(k) and can make them poor choices as an investment vehicle for most travel nurses.

IRAs are a better retirement funding choice for most travel nurses. Here’s why—most IRAs provide:

✅ Ownership: you can take it with you if you change employers with no paperwork
✅ No waiting period
✅ 100% vested on day one
✅ Automatic payroll deduction even if you switch agencies
✅ Options to save on a tax-deferred basis
✅ Simplified management
✅ Plans that can stay with you for the long term
✅ The ability to minimize fees

It’s possible to put your retirement within reach. Most importantly, our advice for travel nurses is to start saving as soon as possible. Carefully think about financial goals, and seek an agency that offers payroll-deducted IRAs.

We hope you found this information helpful. The Gypsy Nurse welcomes your comments, insights, or experience with these retirement plan options. Please share your comments here below – we would love to hear from you!

NOTE: The Gypsy Nurse is committed to serving the needs of today’s travel nurses. Our goal is to provide topical information and general guidance to our community. This information is not intended to replace that of a trained financial advisor. We strongly suggest that you consult with a certified professional to discuss your specific circumstances, retirement goals, and options.

Interested in Becoming a TRAVEL NURSE?

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By The Gypsy Nurse

September 19, 2017

26324 Views

Travel Nurse Banking

Posted on September 19, 2017May 19, 2021 by The Gypsy Nurse

In Step #14 of the travel nurse guide, we discussed knowing in advance what your bank allows and doesn’t when it comes to traveling. This is an important and often overlooked step. Now let’s take a closer look at the banking aspect of Travel Nursing.

Travel nurse banking should be a non-issue, right? Wrong. There are multiple potential complications for the travel nurse when it comes to banking.

You should consult with you bank before you leave home and cover these basic questions:

Is there a local branch at my assignment location?
Does the bank offer online check deposit?
Will I incur ATM fees and are they refundable?
Are my withdraw limits something that I can live with?
How do I resolve Fraud Alerts/blocks on my account?
If my bank cards are lost or stolen, what information will I need to obtain a new card?
Does your bank offer free online bill pay?

It doesn’t happen often but what happens if your company didn’t get your direct deposit set up on time for your first paycheck and you are issued a paper check?
Receiving a paper check and having no local branch can be frustrating. This issue has been resolved in most cases by the mobile apps that are now available for check deposit. Find out if your bank offers this as an option.

There isn’t a local branch or ATM. How do you handle the ATM fees?
ATM fees can add up quickly. Some banks will refund these as a curtosey to customers on a monthly basis. If your bank doesn’t refund these fees, there are other options. Most department stores ie Wal-Mart, K-Mart, etc. will allow cash back with no ATM fee with a purchase. This option however depends on you making a purchase in order to avoid bank fees.

I recommend talking to your bank about their ATM policies and considering if the cost is avoidable. Your bank may have ‘partner’ banks in the area that you are unaware of. If your bank doesn’t offer a way to avoid these fees, figure out in advance how you will deal with withdraws. There are several options available:

– Budget and plan your weekly expenses so you only have one ATM withdraw weekly.
– Assess you need for additional cash EVERY time you make an ATM purchase and have an opportunity for a fee-free cash withdraw.
– Find a different bank option that will allow no ATM fees

Do you know what your daily withdraw and purchase limits are? If your wallet is lost or stolen you will want to minimize the potential amounts that would be available to a thief.
If your bank has automatically set your withdraw and purchase limits, they may be well above what you even need. Find out what the limits are and determine if they can be lowered. If you rarely make a purchase above $500, there is no need to have your purchase limit set at $1500. If your maximum cash withdraw is never above $200 then change this as well.

When I initially called my bank to have my limits lowered they were floored. They couldn’t understand why I wanted my limit lower and not higher. I live pretty frugally day to day and the limits were way over what I would ever need on a routine basis. I explained to the bank that if my wallet was stolen I would rather the thief only be able to hit my account for $500 instead of $1500 and they began to see my logic.

What happens if I lower my ATM/Withdraw limits and need to make a purchase or withdraw that is over my pre-set limit?

If you have analyzed your spending habits thouroughly and have set an appropriate limit, this should happen only rarely. This is very easy to adjust while on the road. Simply phone your bank and ask for a one-time withdraw or purchase. The bank should be able to set this up right away and you’ll be on your way to big spending.

In addition to minimizing your potential losses if your bank cards are stolen, having a lower limit will cause you to contemplate any large purchases. It’s a great way to curb any impulse spending.

Have you ever been standing at the check-out line with a full basket of groceries only to have the teller inform you that your card was denied?
As a service to it’s customers, banks will place automatic holds on your account for any suspicious activities. It can be frustrating if this happens but it’s important to remember that this is for your protection. Help the bank help you by communicating with them. How were they to know that you were going to be living in Seattle for 3 months? If you have never had transactions from the opposite coast and suddenly you have 10 of them, this will set off a fraud alert and lock you out of your account until it’s resolved.

This has happened to me and beyond the annoyance of having to figure out why, it was the pure embarassment of the situation that stands out in my memory. You can’t totally prevent this from ever happening but you can reduce the potential. All it takes is a simple call to your bank and inform them that you will be traveling. They will need the dates of travel as well as the locations. Don’t forget to include any surrounding states or areas that you think you might want to explore while on contract.

What do I need to know if my wallet is stolen while on contract?
I’ve had my wallet stolen only once while on contract. I happy that it was only once but it was a near nightmare to deal with. Along with the fear that goes with any theft, there was a myraid of things that were just difficult to deal with gettiing replaced while away from home.

Banks will NOT mail your new bank card to any address other than your primary address listed on your account. This is important to know especially if you only have one bank. My first recommendation is to always have two banks and have them linked together. If your ATM card is lost or stolen, you can easily transfer money to the alternate bank and at least be able to buy gas and groceries until you receive the new card.

Have a back-up credit card or savings account in case of emergency with enough available balance to cover anything unexpected.

NEVER keep all of your cards in the same place. Having two accounts will do you no good if they are both lost or stolen.

Depending on how you have set up your mail, it could take a week or two to receive your new bank card in the mail. What would you do if you couldn’t access your account?

You should always have important banking phone numbers available. It’s a good idea to make a paper or digital copy of the front/back of all of your credit cards and save in a secure location in case of theft/loss.

Is online bill pay an option?
The advantages of online bill pay for the traveler are tremdous. I have utilized online bill pay for several years now and can’t imagine going back to paper bills. As travelers, receiving mail can be timely. By the time you have received a bill it may be just days to a due date. If your like me and don’t read your mail quickly, you could easily be facing paying something late.

There are many options available for online bill pay. From fully automated scheduling to single payments. Once you have set up the online bill pay schedule that you are comfortable with, it can nearly eliminate not only the paper piles but also the monthly headaches.

Are there other questions that you have regarding banking while on contract? Do you have tips to add to the list above?

By The Gypsy Nurse

September 6, 2017

8893 Views

Relief for Nursing School Loan – Forgiveness Options Part 1

Posted on September 6, 2017May 19, 2021 by The Gypsy Nurse

If you’re grappling with the high costs of your school loan for your education, there are many programs available through a series of Federal and State-based financial assistance programs. These benefits can be determined based on the area in which you live, position (whether you are an RN, or a Nurse Practitioner, etc.), and level of education. In this series, we’ll look at some of the most popular programs.

Below are some basic guidelines around the Federal NURSE Corps Loan Repayment Program (NHSC). In short, repayment benefits are paid based on your length of service. However, there are many requirements and restrictions that apply. Please be sure to investigate the options thoroughly to ensure you are eligible and can take advantage of forgiveness benefits.

The NURSE Corps Loan Repayment Program (NHSC)

By definition, the NURSE Corps Loan Repayment Program enables dedicated registered nurses committed to caring for underserved people to serve in hospitals and clinics in some of America’s neediest communities, improving the lives of their patients and transforming their own.

Benefit Overview:

For 2 years of nursing service at a qualifying facility, the Federal Government will pay off 60% of your qualifying nursing school loan
For 1 additional year of nursing service, the Federal Government will pay off another 25% of your original loan balance

Service obligation at one of the thousands of eligible nonprofit hospitals, clinics, nursing schools and other facilities located in designated mental health or primary medical care Health Professional Shortage Areas across the U.S.

Results

Funding preference is based on your financial need and the facility where you work. According to the U.S. Department of Health and Human Services, in FY 2015, the NURSE Corps Loan Repayment Program:

received more than 6,000 eligible applications,
made approximately 600 initial awards to RNs and advanced practice registered nurses working at Critical Shortage Facilities and
gave out more than 1,110 initial awards to nurse faculty working at eligible schools of nursing, awarding a total of $39.7 million.
95% of those awards were made to RNs and advanced practice registered nurses working in Health Professional Shortage Areas (HPSAs) with scores of 14 or higher.

This program will open again for applications in early 2017.

By Honza Hroch – CreativeNurse

July 5, 2017

8336 Views

Have You Thought of What it Takes to be Wealthy?

Posted on July 5, 2017January 26, 2023 by Honza Hroch – CreativeNurse

Most people try to get wealthy through quick schemes, gambling, lottery, or hoping to inherit some money in the future. The possibility of acquiring wealth through these means is almost non-existent. The truth is that most people can acquire wealth if they can follow basic guidelines and discipline. The challenge is that there are different obstacles and distractions along the line. So, staying clear is very important.

These problems might be:

Lack of discipline (living outside of your budget), personal and consumer Inflation as well as having an overall financial plan.

Lack of Discipline

How disciplined are you when it comes to your financial plan?
Do you feel satisfied that you are saving and investing every month/year?

Most people lack discipline of following a path of savings and investing and therefore they never reach their goals and objectives. Understanding the impact of starting early and knowing the right amount of new savings will help start the process.

As soon as an individual/family begins to build savings for their short, mid and long-term goals, they may be on the road to becoming wealthy. Relying on unusual rate of returns or on a possible inheritance only discourages new savings and encourages people to live beyond their means.

Personal Inflation

All goods and services tend to become more expensive over time and according to www.BLS.gov, $1,000 in 1995 would have the same value as $1,560 of today. This means that goods and services over the last 20 years increase cumulatively by 56%. This is one type of inflation but there is also personal inflation which involves improved lifestyle, new technology gadgets that are replaced every 2 years, and maintaining the lifestyle of friends and neighbors. If you can control these roadblocks, you will be closer to becoming wealthy in the future.

With systematic savings in place, understanding your goal of each savings/investment account and sticking to the plan will give you financial success.

There are other aspects involved when developing a financial plan that will create wealth for you and your family. One of these areas involves being certain that unexpected life events such as loss of job due to sickness, premature death or market corrections does not stop your goals and dreams.

2016-30483 Exp. 10/17

By The Gypsy Nurse

September 21, 2016

5711 Views

Relief for Nursing School Loans – Forgiveness Options Part 3

Posted on September 21, 2016May 13, 2021 by The Gypsy Nurse

In this series, we explore popular Federal and State-based financial assistance programs. Designed to help you reduce the costs of your nursing education, the benefits can be determined based on the area in which you live, position, place of employment, and level of education.

Below are some basic guidelines around the Public Service Loan Forgiveness (PSLF) Program. There are many requirements and restrictions that apply. Please be sure to investigate the options thoroughly to ensure you are eligible and can take advantage of forgiveness benefits.

Public Service Loans Forgiveness Program

By definition, the PSLF Program was established to encourage individuals to work in public service by forgiving the remaining balance of their Direct Loans after they have made 120 qualifying payments while employed by a qualifying employer.

Overview

To be eligible, candidates must be employed by a public service organization defined by the program conditions and be a full-time employee (30+ hours per week). Loans under the Direct Loan Program are eligible for forgiveness after 10 years of repayment. The repayment timeline began in 2007 so only payments made after this date will contribute towards the 120 payments needed to ensure forgiveness.

There is no income requirement to qualify, however, the required monthly payment amount under most of the qualifying repayment plans is based on income. Therefore your income level over the course of your public service employment may be a factor in determining whether you have a remaining loan balance to be forgiven after making 120 qualifying payments.

Qualified employment for the program is not based on the specific job that you do for your employer. Rather, it is about the employer. Organizations must meet the definition of “public service organization” and the following types of organizations qualify:

Government organizations at any level (federal, state, local, or tribal)
Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code
Other types of not-for-profit organizations that provide certain types of qualifying public services
Serving in a full-time AmeriCorps or Peace Corps position also counts as qualifying employment for the PSLF Program.

Loan forgiveness is available only for Direct Loans, however, loans made under other federal student loan programs may become eligible if they are consolidated into a Direct Consolidation Loan. Loan amounts forgiven are not considered income by the Internal Revenue Service and are not subject to federal income tax on the amount of your Direct Loans that is forgiven after you have made the 120 qualifying payments.

By The Gypsy Nurse

September 20, 2016

5671 Views

Relief for Nursing School Loans – Forgiveness Options Part 2

Posted on September 20, 2016May 13, 2021 by The Gypsy Nurse

In this series, we take a high-level look at popular Federal and State-based financial assistance programs. They are designed to help you tackle the costs of your nursing education. These benefits can be determined based on the area in which you live, position (whether you are an RN, or a Nurse Practitioner, etc.), and level of education.

Below is some basic guidelines around the Perkins Loan Cancellation Program. In short, repayment benefits are paid based on your length of service. However, there are many requirements and restrictions that apply. Please be sure to investigate the options thoroughly to ensure you are eligible and can take advantage of forgiveness benefits.

Perkins Loan Cancellation Program

This is very much like other Federal School Loans Forgiveness Programs. The Perkins Loan Cancellation Program removes some portion of your student debt once you satisfy the eligibility conditions of the program. In fact, Perkin’s forgiveness for nursing provides debt forgiveness for both the original principal amount of your school loans, as well as the accumulated interest. Only Perkins loans are available for it, so you’d have to plan to use this one in advance of taking on debt.

Benefits Overview

15% of the Principal School Loans + Interest Cancelled after 1 and 2 Years of Full Time Employment
20% of the Principal Loan + Interest Cancelled after 3 and 4 Years of Full Time Employment
30% of the Principal Loan + Interest Cancelled after 5 Years of Full Time Employment
The potential to receive total cancellation benefits (with 100% of your school loans forgiven) after 5 years of medical service

Eligibility

RNs, LPNs, CNAs, MAs, ARNPs as well as Licensed Medical Technicians qualify for this program. Licensed Medical Technicians must be certified, registered, or licensed by a state agency under which they provide health care services, and they must fit the definition of being someone who “assists, facilitates, or complements the work of physicians or other healthcare specialists”.

As of Oct. 7, 1998, all Perkins Loan borrowers are eligible for all cancellation benefits regardless of when the loan was made or the terms of the borrower’s promissory note. However, this benefit is not retroactive to services performed before Oct. 7, 1998. Specifically eligible loans made on or after July 23, 1992, and loans made prior to July 23, 1992, for service starting October 7, 1998.

Short term debt

1: Beware of accelerating those debt payments

2: Utilize your existing assets

If you are a new travel nurse or looking into becoming a travel nurse:

Travel Nurse Guide: Step-by-Step (now offered in a PDF Downloadable version!)

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Make an Informed Choice: 401(k)s and IRAs for Travel Nurses

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Choosing the correct retirement vehicle is also critical in your planning.

Overview of IRAs and 401(k)s

401(k) Matching Myths

Fact:

Traveler Reality:

Retirement Plan Management 101

Fact:

Traveler Reality:

Making Sense of Contribution Caps

Fact:

Traveler Reality:

The Gypsy Bottom Line – IRAs are a Better Choice for Most Travel Nurses

IRAs are a better retirement funding choice for most travel nurses. Here’s why—most IRAs provide:

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