A Buoyant Digital coin at a tender age – Ndau

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A Buoyant Digital coin at a tender age – Ndau
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Having a clear profitability model

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Having a clear profitability model
The post Having a clear profitability model appeared first on ONEtoONE Corporate Finance. [...]
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Does Life Insurance Cover Deaths From Coronavirus?

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Does Life Insurance Cover Deaths From Coronavirus?
Thousands of people worldwide have already died from COVID-19, the disease caused by the novel coronavirus. For those who have life insurance, in almost all cases, they are covered, and insurance will likely pay out for deaths from COVID-19. There are a few exceptions, according to representatives from life insurance companies and industry organizations. Potential... Kayda Norman is a writer at NerdWallet. Email: knorman@nerdwallet.com. The article Does Life Insurance Cover Deaths From Coronavirus? originally appeared on NerdWallet. [...]
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My 6 Goals for This Week

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My 6 Goals for This Week
Welp, I don’t have much to report when it comes to progress on my goals from last week. But I did spend all day/night Tuesday and Wednesday at the hospital practicing caring for Champ (our little preemie baby boy whom we’re fostering) under the watchful eye of the nurses. We were cleared for his release on Wednesday night and the rest of the week/weekend has been a whirlwind of adjusting to feeding him every 3 hours around the clock (and learning how to function on less sleep!), getting into the groove of having a newborn again, and figuring out our new normal. Here’s my goals list from last week: Last Week’s Goals — 2020 — Week 12 Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading Your New Name, Home Court Advantage, and Zachariah’s Story. Plus, finish listening to The Body Keeps the Score.  Home/Family Goals 3. Read 30 more pages of Carry a Big Stick aloud as a family. (Maybe we’ll finish it this week?!?) 4. Foster care stuff: Organize all of the preemie baby clothes/things. Set up the second baby bed. Get car seat installed. Work/Blog Goals 5. Finish the rough draft of chapter 8 of my manuscript. Word of the Year Goals 6. Pop popcorn and watch another classic movie as a family.  I’m feeling like we’re starting to get back into a groove again, so I’m hopeful that I’ll have more progress to report on goals this coming week. We’ll see! This Week’s Goals — 2020 — Week 13 Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading Your New Name, Home Court Advantage, and Zachariah’s Story. Plus, finish listening to The Body Keeps the Score.  Home/Family Goals 3. Read 30 more pages of Carry a Big Stick aloud as a family. (Maybe we’ll finish it this week?!?) 4. Baby prep stuff: Pack hospital bag for me/Jesse/baby. (I can’t believe it’s now time to do this!! Since I had a super fast labor last time around, I’m hoping to be as prepared as possible this time!) Work/Blog Goals 5. Finish the rough draft of chapter 8 of my manuscript. Word of the Year Goals 6. Pop popcorn and watch another classic movie as a family.  What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
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Stuck at Home? Do This 24-Minute Money Challenge

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Stuck at Home? Do This 24-Minute Money Challenge
At this point, most of us are living within the confines of our home, only venturing out for groceries or exercise. And that’s what we should be doing — what we need to be doing — to flatten this COVID-19 curve. But we get it: We feel a bit stir-crazy, too. After all, there are only so many push-up challenges you can post to your Instagram story before your arms give out. That’s why we created a quick 24-minute money challenge. This is perfect for those of us stuck at home and worried about the uncertain state of our country and our own personal finances. It’s a great way to spend 24 minutes today, and you’ll feel more productive for it. Ready? Once you’re done, pass it along to your friends, so hopefully they’ll stop nominating you for that darn push-up challenge. 1. Stop Overpaying on Your Monthly Bills (2 Minutes) Your monthly bills are non-negotiables, right? They’re just something you’re stuck paying. Wrong. The truth is, you can probably find better deals on a number of your monthly bills, freeing up room in your budget for other necessities during this trying time. The easiest one to start with? Car insurance. Experts suggest shopping your options every six months or so, but let’s be real — when’s the last time any of us have done that? But a free website called The Zebra will do the shopping for you — in just two minutes.  All you have to do is enter basic information about your car and driving history, then The Zebra compares prices from more than 100 companies to find you the best price. In fact, The Zebra says it saves its users up to $670 a year. If you find a policy you like, you can sign up online instantly. After you take two minutes to do this, take a look at some of your other monthly bills, like your cell phone (check out discount providers) and home insurance (compare rates). 2. Ask This Website to Take Care of Your Credit Card Bill (2 Minutes) If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…  And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But right now is the perfect time to take action. A website called AmOne wants to help. If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances. The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.99% APR), you’ll get out of debt that much faster.  AmOne won’t make you stand in line or call your bank, either — you can do this from your couch. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could help you pay off your debt years faster. 3. Grab Yourself a $5 Amazon Gift Card After You Take 5 Surveys (10 Minutes) Since we’re trying to leave the house as little as possible, many of us will likely notice an uptick in our Amazon orders. That’s good — we’re doing this whole social distancing thing correctly — but our wallets might not be too thrilled. If you want to help offset the costs, snag yourself a free $5 Amazon gift card with MyPoints. MyPoints is a research company that’ll pay you to answer questions about different products and services you use. In return, it’ll give you free gift cards. You can even do this from your phone. To date, MyPoints has paid people more than $236 million in gift cards. To get your $5 Amazon gift card, just sign up and complete your first five surveys. Then, next time you’re posted up on the couch watching Netflix, take a few more surveys and keep earning. 4. Finally Check Life Insurance Off Your Perpetual To-Do List (5 Minutes) For many of us, getting life insurance is something we know we need to do. After all, you’ve probably wondered how your family would manage without your income after you’re gone. How will they pay the bills? Send the kids through school? Now that life’s slowed down a little, it’s time to finally check this off your to-do list. With a company called Bestow, this shouldn’t take more than about five minutes, and rates start at $5 a month. You can cancel or change your plan at any time. Plus, the security of knowing your family is taken care of is priceless. If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam, pushy sales calls or even getting up from the couch, get a free quote from Bestow. You’ll feel better once you can finally get this done. 5. Check Your Credit Report for Any Errors (3 Minutes) At this point, you understand the importance of your credit score. It will help you make big purchases one day, like a house or a new car. But when’s the last time you checked in on your score? You could have an error on it that’s unknowingly holding you back. (One out of five reports do, according to a study from the FTC.) Now that you’ve got some extra time on your hands, take a look with a free website called Credit Sesame. It’ll show you your credit score and help you detect any errors. If you find one? Credit Sesame will even help you dispute it. Salome Buitureria, a working mom in Louisiana, found a major error on her report this way. Using Credit Sesame, she was able to fix the mistake and take additional steps to raise her credit score from 524 to nearly 700.* Want to check for yourself? It only takes about three minutes to sign up and take a look. 6. Launch an Investing Portfolio With $1 (2 Minutes) It’s no secret the market has had its fair shares of ups and (mostly) downs these past few weeks, but you shouldn’t panic. If you’ve got money you’ve invested, consider riding it out. Markets are unpredictable, and they will always be volatile, which means sometimes they’ll go up, and sometimes they’ll go down — but over time, they tend to go up.  If you haven’t started investing and have some money to spare, you can start small. Investing doesn’t require you throwing thousands of dollars at full shares of stocks. In fact, you can get started with as little as $1.1 We like Stash, because it lets you choose from hundreds of stocks and funds to build your own investment portfolio. But it makes it simple by breaking them down into categories based on your personal goals. Want to invest conservatively right now? Totally get it! Want to dip in with moderate or aggressive risk? Do what you feel. Plus, with Stash, you’re able to invest in fractions of shares, which means you can invest in funds you wouldn’t normally be able to afford. If you sign up now (it takes two minutes), Stash will give you $5 after you add $5 to your invest account. Subscription plans start at $1 a month.2 * Like Buitureria, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days. Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits. 1 For Securities priced over $1,000, purchase of fractional shares starts at $0.05. 2 You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the custodian. The Penny Hoarder is a Paid Affiliate/partner of Stash. Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk. This was originally published on The Penny [...]
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Coronavirus will shape the next decade. Will we prep before the next one?

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Coronavirus will shape the next decade. Will we prep before the next one?
Everywhere people are dying, global lockdown and massive government intervention. The coronavirus pandemic is disrupting global industries and supply chains, causing disastrous problems for businesses, consumers and the global economy. Just like the disease is killing older people at high rates, it is also about to kill mature western economies. Businesses are struggling to produce and distribute products and services, that consumers depend on. The coronavirus outbreak has limited our ability to produce and consume goods. Its financial ramifications are already severe and will only get worse. The COVID-19 pandemic will change this decade, just like 9/11 changed the 2000s. The impact from pandemic on global economy will be severe, but eventually the crisis will all end and life will resume. The question what direction will we follow and how prepared will we be when the next one comes along? Ilias Louis Hatzis is the Founder at Mercato Blockchain Corporation AG and a weekly columnist at DailyFintech.com. When businesses are unable to make money, they can’t pay employee wages and operating expenses. As business revenues decline, employee layoffs accelerate, which eventually leads to people not being able to pay their rent, mortgage and loans, buy goods and services or spend money at restaurants, sporting events, vacations. This is not just a health pandemic, it’s a pandemic of fear and mistrust that is hitting advanced economies in Western Europe and the United States. Governments are announcing travel restrictions within their borders and from outside, and are shutting down businesses everywhere. In mature economies, when people become fearful for their lives, they withdraw and stop spending money on things they frequently do. Businesses that operate in face-to-face service industries, which usually dominate high-income economies, are the one’s that get hit the hardest, when people are in lockdown. This is not to minimize the damage the pandemic is causing to the global product supply chain. The production around the world is out of action for an indefinite period of time. We are already seeing shortages for things like auto-parts, electronics and products like iPhones, and Diet Coke and don’t be surprised when we see disruptions for food, condoms and so many other basic things we take for granted. In 2015, the year after West Africa’s Ebola outbreak, Bill Gates gave a TED talk called “The next outbreak? We’re not ready.” Gates saw the COVID-19 outbreak coming and he knew we weren’t prepared for it. “If anything kills over 10 million people in the next few decades, it’s likely to be a highly infectious virus rather than a war,” Gates said during the Ted Talk. “Not missiles, but microbes.”     Authorities around the world are doing their best to contain the coronavirus pandemic. Disease outbreaks can happen at any time and anywhere, with little or no warning. These are events that have occurred in the past and will occur again in the future. We are facing an uphill battle, but blockchain can help. Blockchain will not prevent new viruses, but it can help create a first line of defense, through a network of connected devices with a single purpose: to alert us about disease outbreaks. The use of blockchain can help prevent pandemics by enabling early detection, fast-tracking drug trials, and impact management of outbreaks and treatment. Blockchain platforms could help connect local hospitals and health organizations. Local hospitals could record medical data about patients with flu- or virus-like symptoms. The data could be used by health organizations to predict the spread of the virus, to help them take preventive measures (increase medical staff, supply medical equipment) in the areas where the virus could spread. Recently, the World Health Organization (WHO), IBM and Oracle teamed up to create an open-data hub that will use blockchain technology to check the veracity of data relating to the coronavirus pandemic. Blockchain based livestock tracking could help to better trace an outbreak at the source, before it becomes impossible to contain. Deadly viruses have originated by contaminated livestock, that made it into our food supply. Imagine how many lives and resources we could save, if we could collect and analyze data to assess livestock risks for various regions. We could also improve the medical supply chain for products and vaccines. It’s vital to be able to track where things are and where they came from and ensure they are genuine. Researchers, biotech and pharmaceutical firms are racing against time to create the vaccine for this virus, as well as develop potential treatments for COVID-19. Blockchain based platforms could help vaccine development across various stages starting from exploration to pre-clinical stage, clinical development, regulatory approval to production and distribution and continuous quality control & monitoring. Like the September 11 terrorist attacks, the fall of the Berlin Wall, the financial collapse of Lehman Brothers, the coronavirus pandemic is a world-shattering event that will lead to permanent shifts in political and financial power. Many, fear the pandemic will strengthen state control and reinforce nationalism. Governments everywhere are adopting measures to deal with the health and financial crisis, and some governments will find it difficult to give up these new powers, when the crisis is over, similarly to what happened in the wake of 9/11, when civil liberties around the world were trampled. More than a hundred years ago, in the “The Machine Stops“, E. M. Forster wrote about a dystopian future where humans relied on a machine to provide food, clothing, shelter, and interaction with each other, using audio and visual devices. This story sounds like the present, and the pandemic is pushing us even more in that direction, to become more reliant on the “machine”. But the coronavirus pandemic is also causing everything to come to a grinding halt. Health care, government and business “machines” are breaking down and stopping. Maybe this is a wake up call, that pushes in the exact opposite direction, away from centralized machines and structures. The coronavirus global health crisis has the potential to massively disrupt our lives, both economically and socially. I can only hope, we move in the right direction. Image Source Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post Coronavirus will shape the next decade. Will we prep before the next one? appeared first on Daily Fintech. [...]
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Life Update: Pregnancy (35 weeks) + baby boy got out of the NICU!

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Life Update: Pregnancy (35 weeks) + baby boy got out of the NICU!
I’m 35 weeks pregnant this week — and we got to bring our precious baby boy that we’re fostering home from the NICU on Wednesday!! All three kids have anxiously been waiting for two weeks to get to meet this very loved baby boy! They have willingly stayed home 24/7 to protect our home from germs, done the bulk of the laundry, cooking, and cleaning while I was taking care of this little guy at the NICU, and have talked incessantly about the day we would get to bring him to our house! It brought tears to my eyes to see my husband and kids loving on this tiny boy whom I have fallen so in love with the past two and a half weeks. (See a video here.) Welcome to our home, Champ. We already love you more than you can imagine. Our heart and hope is for you to have reunification with your mama, but we promise to love you, care for you, and advocate for you as long as we get to be your foster family. (Note: We debated over what “internet name” to give this sweet guy and finally all decided on Champ. Because though he is little, he is so strong. And I kept finding myself reporting to people that he did this or that “like a champ”. I realized it was the perfect moniker for him online! Also, thank you for your understanding that there’s a lot we can’t share when it comes to photos and details. While everything in my mama heart wants to show the world how cute and amazing he is and how proud I am of how much progress he is making, protecting his privacy and story is much more important to us.) Highlights: It’s pretty surreal and special to get the opportunity to love on a tiny little newborn during the last few weeks of my pregnancy. Since I’m the only one who is trained to feed him right now (and he eats every 3 hours) and he’s still adjusting to being in a different bed/place after weeks in the NICU, my sleep has been a little on the short side this week. However, God has been so faithful to carry me through — through the 24-hour stay with him at the hospital so the nurses could observe my care of him and make sure I was ready to bring him home, through a few relatively sleepless nights, and through so many meetings/appointments with various medical professionals about his long term medical needs. I’m learning so much and feel like I add new words and terms to my vocabulary every day! Also, this whole having babies with older kids is just about the best.thing.ever!!! Jesse and the kids have done SO much this week and the transition has honestly felt so smooth and easy, thanks to them! Notable: I feel like my belly popped yet again this week and I outgrew more clothes! Baby has been SO active and seems very healthy. I’m also having much more intense contractions — which is very common for me in the last month. I get to start weekly ultrasounds next week and I’m excited to get to see our little babe on the screen again! We’re also hoping maybe just maybe baby will cooperate and we’ll be able confirm the gender with the DNA test. We have almost everything ready except we need to buy another car seat, finalize a few things for the birth, and pack the hospital bags. I also am hoping to get Champ all adjusted to sleeping in his bed in our room and need to get Jesse and Kathrynne trained on making bottles and feeding/caring for him. (We’re supposed to have a nurse come stay at our house to care for him during my birth, but I still want to have some backup!) I don’t expect to go early, so I should have time! [...]
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SEC Further Extends Filing Deadlines for Companies Impacted by COVID-19

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SEC Further Extends Filing Deadlines for Companies Impacted by COVID-19
On March 25, the Securities and Exchange Commission issued an order extending conditional relief (the Modified Order) for reporting and proxy delivery requirements for public company registrants and other filers in the wake of the coronavirus disease 2019 (COVID-19). The Modified Order provides filers with an additional 45 days to make filings pursuant to Sections 13(a), 13(f), 13(g), 14(a), 14(c), 14(f), 15(d) of the Securities Exchange Act of 1934, as amended (the Exchange Act), Exchange Act Regulations 13A, 13D-G (except for those provisions mandating the filing of Schedule 13D or amendments to Schedule 13D), 14A, 14C and 15D, and Exchange Act Rules 13f-1, and 14f-1, that would have been due during the period of March 1-July 1, 2020 (the Relief Period), subject to the conditions discussed below. This relief covers, among others, reports on Form 10-K, 20-F, 10-Q, 8-K and 6-K, as well as Schedules 13G and 13F but, as noted, expressly excludes Schedule 13D filings and also is not available for filings under Section 16 of the Exchange Act (i.e., Forms 3, 4 and 5). The Modified Order supersedes the SEC’s March 4 order (the Original Order), which was discussed in Katten’s March 17 Securities Advisory, by extending the end of the Relief Period from April 1 to July 1. Consistent with the Original Order, it is a condition to a filer availing itself of the relief under the Modified Order that the filer 1) is unable to meet a filing deadline due to circumstances related to COVID-19; and 2) if the filer is a reporting company, issues a current report on Form 8-K or Form 6-K, as applicable, with (A) a statement that the filer is relying on the Modified Order; (B) a summary of why the relief is necessary in the particular circumstances; (C) the estimated date by which the company expects to make the filing; (D) one or more company-specific risk factors explaining the impact, if material, of COVID-19 on its business; and (E) if the reason the filing cannot be timely made relates to the inability of any person, other than the registrant, to furnish a required opinion, report or certification, the Form 8-K or Form 6-K, as applicable, shall include as an exhibit a statement signed by such person stating the specific reasons why such person is unable to furnish the required opinion, report or certification on or before the deadline for such report to be filed. Consistent with the Original Order, the Modified Order also conditionally exempts companies preparing for their upcoming annual meetings from the requirement to furnish proxy statements and other soliciting materials to securityholders where, as a result of COVID-19, common carrier services have been suspended in the area where the securityholder resides and the company has made a good faith effort to furnish the proxy materials to the securityholder. In a press release announcing the Modified Order, SEC Chairman Jay Clayton said, “Health and safety continues to be our first priority,” and the Modified Order provides temporary, targeted relief to issuers affected by COVID-19 while still encouraging public companies to “provide current and forward-looking information to their investors.” The SEC also reiterated in the press release, as previously clarified in connection with the Original Order, that: For purposes of 1) eligibility to use Form S-3 or Form F-3, as applicable, including as it relates to well-known seasoned issuer status; 2) eligibility to use Form S-8; and 3) the current public information eligibility requirements of Rule 144(c) under the Securities Act of 1933, as amended, a company that relies upon the Modified Order will be considered current and, with respect to eligibility to use Form S-3 or F-3, timely in its filing requirements under the Exchange Act, if the company (A) was current and, as applicable, timely in its Exchange Act filing requirements as of the first day of the Relief Period; and (B) files any report due during the Relief Period within 45 days of the original filing deadline for such report. A company that receives an extension on filing an annual or a quarterly report pursuant to the Modified Order will be deemed to have a due date 45 days after the original filing deadline for the report, and, if it is unable to file the report on or before the extended due date, the company will be permitted to rely on Rule 12b-25. Consistent with the SEC’s statements in connection with the Original Order, the press release reminds issuers to contact the SEC’s Division of Corporation Finance directly if they are in need of additional assistance relating to administrative difficulties or other challenges in their efforts to comply with the requirements under the federal securities laws. The Modified Order is available here, and the press release is available here. [...]
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Chase 5/24 Rule Explained

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Chase 5/24 Rule Explained
Note: NerdWallet strongly discourages traveling in the near future while the coronavirus continues to spread. Check the CDC and State Department websites for current guidance and travel restrictions. Please use the content of this article only to help inform future travel plans. Undoubtedly, Chase has one of the best portfolios of credit cards available to... Elina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. The article Chase 5/24 Rule Explained originally appeared on NerdWallet. [...]
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Afternoon Deals: Sunday, March 29

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Afternoon Deals: Sunday, March 29
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. Belk: [...]
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Security Token news for Week Ending Friday 27 March 2020

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Security Token news for Week Ending Friday 27 March 2020
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The 3 Books I Finished Last Week (+ the 1 classic movie we watched)

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The 3 Books I Finished Last Week (+ the 1 classic movie we watched)
Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Want to see all of the books I’ve read so far this year? Check out my Good Reads page. The Fourth Trimester I was really excited to read this book as I thought it would be great for me to prep for birth and postpartum recovery — especially since I’ve struggled with postpartum depression/anxiety after all three of my pregnancies. (I think a lot of my struggles were related to not taking time to properly rest and heal after my births.) Going into reading it, I knew the book wasn’t written from a Christian perspective and had a lot of influence from other religions in it. I was prepared for this. Unfortunately, I had a hard time getting past a lot of those sections. So much of the advice just felt so self-serving and humanistic…  and some of the advice to ask for so much help and set such strong boundaries after the birth kind of felt like it was encouraging you to come across as a jerk. (Just being honest here!!) That said, my big takeaways are that rest, good nourishment, and limited movement for the few weeks after birth are really important. Those are my hopes for this postpartum period for my upcoming birth and what I’ve spent the last few months prepping to make happen! This book definitely encouraged me to prioritize that. Does anyone have suggestions of a good book for postpartum that encourages these things that might be a better fit for me (or something for me to recommend to others)? Verdict: 2 stars The Lazy Genius Way I have heard of Kendra Adachi’s podcast (The Lazy Genius) but, truth be told, I’m not a listener. I think I may have have heard one episode way back when or maybe have heard her on another podcast, but that’s about the extent of my knowledge of her. Despite that, I really loved this book! It’s well-written, funny, practical, and realistic. Kendra has the perfect balance of truth, humor, and grace sprinkled throughout it. She also makes you feel like you can actually get your home and life in better order (notice I didn’t say “perfect order” just “better order”? I think Kendra would approve of that language!) I love her approach to be a genius about those things that truly matter to you and your family and to be lazy about those things that don’t matter to you and your family. I also found her light-hearted footnotes throughout the book to be a fun addition. While I’ve read a LOT of time management, home management, and life management books, I still found so much fresh perspective and inspiration in Kendra’s book. And now I’m thinking I need to check out her podcast! Verdict: 4 stars The Gospel Comes With a House Key Okay, I was a little scared to write this review, because it seems everyone I know absolutely adored this book. And, while I really loved parts of it, there were other parts of it that I just couldn’t stand behind wholeheartedly. Let’s start with what I loved: I loved the author’s desire to encourage what she calls, “Radically Ordinary Hospitality”. It is a lost art in our usually-busy worlds and I think it is one of the biggest building blocks to genuine community and Christlike love. I also loved that the book shone a light on foster care and the need for Christian families to prayerfully consider being involved in this ministry in some way. (You all know how passionate I am about foster care!) That said, what bothered me in the book was that she presented hospitality almost as a one-size-fits-all sort of thing. That it’s only in the context of your church and neighborhood and that it pretty much always involves opening up your home for a meal. While opening up your home is fantastic and serving food is great, I think hospitality can also be inviting a friend to the park or to coffee or to join you in a walk or reaching out to the lonely-looking person sitting on the sidelines at your child’s baseball game or inviting your co-worker to lunch… and a thousand other things. For me, I believe hospitality is going to take on many different forms — because we all have different giftings and different spheres and circles we run in. I wish she would have talked much more about this. The second thing I didn’t like in the book was that she was super honest about situations they’ve been through with other people — the good, the bad, the ugly. And in many cases, she shared a lot of details about conversations that I felt were private and not ones to be shared in a published book that anyone in the world might read. I feel like there’s good chance some of the things she shared openly and in detail about very personal hurts and situations could very well damage relationships in her life — even some of those that might be ones she’s seeking to practical “radically ordinary hospitality” to. (Maybe she got every single person’s permission to share what she shared and maybe each person was 100% okay with it… even then, I think many of the examples and conversations could have been omitted and the book would have still been as powerful. For me, it would have been even more powerful.) And now I’m going to go duck from all of the rotten tomatoes I’m going to get thrown at me! 😉 Verdict: 3 stars Classic Movie We Watched Last Week The kids decided — all on their own — that they want to start watching one old classic movie per week together as a family in 2020. They are helping me choose the list of movies and I’ll be reporting here what we watch each week and their thoughts on it. I plan to do a big classic movie round-up post at the end of the year with their verdict on the best and favorites of the ones we watched. (Thank you for all the great suggestions for must-watch classic movies!) Last week, we watched Mr. Bean’s Holiday — a movie Jesse and I had watched together a long time ago together and thought the kids might enjoy. They did enjoy parts of it, but they found it a little on the slow side and thought it drug on — especially toward the end. (Note: I don’t think this actually qualifies as a “classic movie” since it came out in 2007, but oh well, we’re going to say it is since it was the movie we watched last week!) What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
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Is Clear Worth the Cost?

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Is Clear Worth the Cost?
Note: NerdWallet strongly discourages traveling in the near future while the coronavirus continues to spread. Check the CDC and State Department websites for current guidance and travel restrictions. Please use the content of this article only to help inform future travel plans. Are you thinking about going with Clear? The private biometric screen company lets... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article Is Clear Worth the Cost? originally appeared on NerdWallet. [...]
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This Week in Fintech ending 27 March 2020

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This Week in Fintech ending 27 March 2020
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How to Set a Family Schedule When You’re Out of Routine

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How to Set a Family Schedule When You’re Out of Routine
Life with kids can be busy and chaotic. This chaos is only amplified when you find yourself in a new place or situation that takes you out of your regular routine. Whether it’s summer vacation, an unexpected snow day or even just a busy weekend, a family schedule can help to bring some structure and ... Read More about How to Set a Family Schedule When You’re Out of Routine The post How to Set a Family Schedule When You’re Out of Routine appeared first on Penny Pinchin' Mom. [...]
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Listening to Audiobooks with Kids 101

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Listening to Audiobooks with Kids 101
Are you interested in listening to audiobooks with your kids as a family? This is a must-read post on all things audiobooks for kids! Psst! Be sure to check out how I listen to audiobooks for free. And don’t forget that you can get a FREE Audible trial with a bonus audiobook right now, plus Audible is offering free Audible books for kids! Guest post from Kelsey of Orchard Reads: I don’t think many of us would have expected just a few weeks ago that our kids would become homeschoolers indefinitely, but here we are! Like many parents, you are probably scrambling trying to keep up with school work and entertain your kids and maintain some type of order and balance in this new season. You are probably also overwhelmed with offers for free educational programs, and it’s tricky to know what’s really going to be beneficial to your kids. If I had one recommendation of a learning activity to add into your daily routine, it would be listening to audiobooks together. Our family has found that listening to audiobooks has bonded us, educated us, and redeemed many hours my kids might have spent being “bored.” Sources for Audiobooks There are tons of places to find great audiobooks for kids, but here are my three favorites: Your Local Library Each library system is different, but our library has an account with an app called Libby. If you download the app on your phone and put in your library card information, you have thousands of audio books at your fingertips that you can listen to wherever you are. One important note: These books sometimes have significant waiting lists. Most books I put on hold have between a 2-10 week wait, but sometimes you can get lucky and find them available immediately. Once the libraries open up again, they also have a great selection of hard copy CD audio books. If you still have access to a CD player (we listen to these in our van), there are thousands of options to choose from! Audible When you sign up for an account with Audible, you’ll automatically get one month free that gives you access to one audiobook and two Audible originals. It does cost $14.95 after the first month, but there’s no requirement to continue. Audible has TONS of incredible audio books for kids and teens, and if you can swing the monthly fee, it’s definitely the most thorough and readily available collection of audio books you can find anywhere. HOT Deal: Right now they’re offering a bonus audiobook when you sign up for a free Audible trial — meaning you’ll get TWO free audiobooks plus two Audible originals!! Audible also just announced that they’re offering FREE Audible books for kids while schools are closed! While it doesn’t have as many titles available, there are still lots of great books to listen to for free, no strings attached! Librivox This is an interesting site that offers thousands of free audio books that are read by volunteers from all over the world. They may not have a specific title you are looking for, but it’s worth perusing the catalog to find out. Incorporating Audiobooks Into Your Daily Routine Listening to audiobooks in the car is one of our favorite things to do, but now that we’re all mostly homebound, we have to transition to listening at home. Here are some of my best tips for incorporating audiobooks into your daily routine with kids: Let Your Kids Keep Their Hands Busy Whether you let them play with blocks, legos, a train set, a drawing pad, play-doh, puzzles, or another toy, keeping little hands and bodies busy while listening to an audiobook always works best for our family. There is often squirming, arguing, and interrupting — but it’s still worth it! Turn On Audiobooks When Your Kids Ask for TV There is NO judgment on my part for letting your kids watch TV (ours are watching a movie as I write!), but we all know that sometimes we really do need to limit the screen time. Listening to audiobooks is actually incredibly similar to watching TV, but it requires kids to use their own mind and imagination rather than having the images displayed before their eyes. Put On Audiobooks for Afternoon Rest Time If you have kids who are too old for naps but still need a little bit of down time in the afternoon, audiobooks are the perfect way to give them some quiet time while also keeping them occupied. There are tons of audiobooks that are 30-60 minutes long, and I have found that these are perfect for rest times. Work Through a Series Together as a Family While it’s fun to listen to stand-alone audiobooks, it’s also fun to find a series that everyone enjoys and work through it together slowly. Not only does it give you lots of hours of listening, but it also creates sweet family memories since you will have invested so much collective time together. Best Audiobooks for Kids By Age Group Are you interested in audiobooks for your kids, but you have no idea where to start? Here is a list of our favorite 10 audiobooks for each age group! We have listened to every one of these audiobooks and can personally vouch for the fact that they are meaningful, entertaining, and worth your time. They are also all available on Audible, so if you start the free Audible trial you can listen to at least two for free: Ages 1-3 Amelia Bedelia Collection (Peggy Parrish) The Complete Adventures of Curious George (H.A. Rey) Henry and Mudge Series (Cynthia Rylant) Green Eggs and Ham and Other Servings of Dr. Seuss (Dr. Seuss) Berenstain Bear’s Stories (Jan Berenstain) Frog and Toad Series (Arnold Lobel) Little Bear Series (Else Holmelund Minarik) Pete the Cat Series (Eric Litwin) Pinkalicious Series (Victoria Kann) Fly Guy Series (Tedd Arnold) Ages 4-5 The Courage of Sarah Noble (Alice Dalgliesh) The Bears on Hemlock Mountain (Alice Dalgliesh) 26 Fairmount Avenue Series (Tomie DePaola) Phoebe the Spy (Judith Griffin) Mercy Watson (Kate DiCamillo) My Father’s Dragon Series (Ruth Stiles Gannett) James Herriot’s Treasury (James Herriot) Barkus Series (Patricia MacLachlan) Anna Hibiscus Series (Atinuke) The Lighthouse Family Series (Cynthia Rylant) Ages 6-8 Charlotte’s Web (E.B. White) The Mouse and the Motorcycle (Beverly Cleary) Riding Freedom (Pam Munoz Ryan) Mrs. Frisby and the Rats of Nimh (Robert C. O’Brien) The One and Only Ivan (Katherine Applegate) The Vanderbeekers of 141st Street (Karina Yan Glaser) The Invention of Hugo Cabret (Brian Selznick) The Trumpet of the Swan (E.B. White) Understood Betsy (Dorothy Canfield Fisher) From the Mixed-Up Files of Mrs. Basil E. Frankweiler (E.L. Konigsburg) Ages 9+ Esparanza Rising (Pam Munoz Ryan) Number the Stars (Lois Lowry) The Giver (Lois Lowry) Where the Red Fern Grows (Wilson Rawls) Roll of Thunder, Hear My Cry (Mildred Taylor) Julie of the Wolves (Jean Craighead George) Bridge to Terabithia (Katherine Paterson) Tuck Everlasting (Natalie Babbitt) The Twenty-One Balloons (William Pene du Bois) Island of the Blue Dolphins (Scott O’Dell) Our Favorite Series Little House on the Prairie (Laura Ingalls Wilder) Ramona (Beverly Cleary) Henry Huggins (Bevlery Cleary) Little Britches (Ralph Moody) The Chronicles of Narnia (C.S. Lewis) The Magic Tree House (Mary Pope Osborne) The Boxcar Children (Gertrude Chandler Warren) The Penderwicks (Jeanne Birdsall) Pippi Longstocking (Astrid Lindgren) The Great Brain (John D. Fitzgerald) I hope that as you hunker down in your home these next few weeks, audiobooks will become a big part of your family’s new routine! Related: Free Educational Programs for Kids During the Quarantine How I Listen to Free Audiobooks Free Audible Trial + Bonus Audiobook Free Audible Books for Kids 8 Ways to Get Books for Free 10 Tips to Read Aloud to Kids How to Get Your Children Excited About Read Alouds Kelsey is a pastor’s wife, mother of four, book lover, piano teacher, worship leader, and home economist. She writes about her family’s favorite [...]
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Stimulus Boosts Coronavirus Unemployment Benefits $600/Week

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Stimulus Boosts Coronavirus Unemployment Benefits $600/Week
Tucked in the sprawling $2 trillion federal stimulus package, which aims to stem the rampant economic damage caused by the new coronavirus, is a dramatic expansion of benefits available to workers who have lost work or income because of the pandemic. The measure, dubbed the Coronavirus Aid, Relief and Economic Security (CARES) Act, passed the Senate unanimously Wednesday, cleared the House Friday and is expected to receive President Trump’s signature. Senate Minority Leader Chuck Schumer described the expanded benefits as “unemployment insurance on steroids” because it provides an extra $600 a week to those who are out of work due to the coronavirus – with a 13-week extension to every state’s unemployment program for a maximum of 39 weeks. It also covers, for the first time, gig workers and freelancers who normally do not qualify for unemployment compensation. Here’s all of our coverage of the coronavirus outbreak, which we will be updating every day. Here’s what you need to know about how the legislation can help if you’ve been financially impacted by the coronavirus. How Coronavirus Unemployment Benefits Work The $600 weekly boost to unemployment benefits comes in addition to current state-level benefits. Depending on the state, existing unemployment benefits can range from $213 to $546 per week, according to the Center on Budget and Policy Priorities. The average weekly benefit is $385. The additional $600 comes from the federal government in direct response to the economic fallout of the pandemic. It may be included with the state unemployment benefit check or arrive separately, but it must come weekly.  Pro Tip The filing process for unemployment benefits varies by state. Use Career Stop One, a resource sponsored by the Department of Labor, to find out how to apply to your state’s program. The duration of unemployment benefits also varies by state.CBPP data show most states provide benefits for up to 26 weeks. The bill extends that timeframe by 13 weeks to a maximum of 39 weeks. Some states provide unemployment assistance for as few as 12 weeks. In that case, unemployment benefits – with the extension from the coronavirus bill – would be available for 25 weeks. Though once benefits expire, unemployed Americans may reapply. The CARES Act also widely expands the definition of “unemployed.” Any worker who was laid off, furloughed or has material proof of missed employment or income due to a variety of other coronavirus-related reasons is now eligible. This expanded definition includes freelancers, gig workers and part-timers, too.  Because gig workers’ income fluctuates week by week, it’s unclear how much states will contribute to the unemployment benefit, though unemployed gig workers can expect at least $600 a week if their normal weekly earnings exceed that amount. No one will receive unemployment benefits that exceed their normal weekly earnings. Unemployment Insurance Weekly Claims Initial claims were 3,283,000 for the week ending 3/21 (+3,001,000). Insured unemployment was 1,803,000 for the week ending 3/14 (+101,000).https://t.co/ys7Eg5LKAW — US Labor Department (@USDOL) March 26, 2020 What’s also unclear is how quickly states will be able to process the coming influx of unemployment claims. While the CARES Act removes red tape to expedite the process, unemployment offices across the nation were already slammed before the bill came to a vote. The Department of Labor reported 3.3 million new unemployment claims the third week of March, just days after Trump declared a national emergency. The CARES Act also includes direct monetary aid to most adults in the form of a $1,200 check. Here’s everything we know about the stimulus checks so far. According to the Economic Policy Institute, the surge in claims shattered the previous record, which was 695,000 weekly claims in October 1982 when the stock market crashed. “While the record number of claims is shocking, it is not totally surprising,” said Mark Hamrick, senior economic analyst at Bankrate, in a statement. “For days now, we’ve heard how state systems were overwhelmed by the rush to file claims after people were separated from work.” While white-collar employees nationwide transition to remote work in droves, service industry, retail and gig workers by and large have fewer options. While some gig companies and retailers are ramping up hiring in response to a surge in demand for services such as grocery delivery, the impact on workers in industries like restaurants and hospitality is expected to be punishing.  That’s what makes their eligibility for unemployment compensation significant.  In a tweet, the EPI called the CARES Act “a good first step” for part-time and self-employed workers but noted that the unemployment expansion doesn’t go far enough in helping low-wage earners who may not qualify for assistance. The Coronavirus Aid, Relief and Economic Security (CARES) Act is a good first step—expanding unemployment benefits to workers who are self-employed, are seeking part-time work, or do not have sufficient work history.#StimulusPlan #stimulusbill — Economic Policy Institute (@EconomicPolicy) March 26, 2020 Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, entrepreneurship and unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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10 Things You Should Never Buy on Amazon

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10 Things You Should Never Buy on Amazon
Hadrian / Shutterstock.com It’s hard to beat having things delivered straight to your door — even when you’re not stuck at home due to a pandemic. Amazon has made it easy for anyone to order just about anything and have it delivered to their doorstep. But just because you can purchase something on Amazon, it doesn’t mean you should. Following are some purchases that we don’t think you should ever... [...]
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Cardinal Mexican Train Domino Game with Aluminum Case only $13.04!

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Cardinal Mexican Train Domino Game with Aluminum Case only $13.04!
This post may contain affiliate links. Read my disclosure policy here. This is a great price for this popular Cardinal Mexican Train Domino Game! Amazon has this Cardinal Mexican Train Domino Game with Aluminum Case for only $13.04 when you clip the $4.35 e-coupon! Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Thanks, Hip2Save! [...]
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Entrepreneurs are our heroes

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Entrepreneurs are our heroes
The post Entrepreneurs are our heroes appeared first on ONEtoONE Corporate Finance. [...]
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How Gen X Can Start Tackling Its Credit Card Debt

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How Gen X Can Start Tackling Its Credit Card Debt
When writer Ada Calhoun started losing sleep over her credit card debt, she quickly realized she wasn’t the only one. “I had about $20,000 in credit card debt, and I had just had all this freelance work fall through. I had a plan to pay it off and that plan evaporated, so I was waking... Kimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. The article How Gen X Can Start Tackling Its Credit Card Debt originally appeared on NerdWallet. [...]
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Business interruption- cover that’s too big to cover- but needs to be next time

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Business interruption- cover that’s too big to cover- but needs to be next time
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Coronavirus Stimulus Checks FAQ: 15 Answers We Know So Far

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Coronavirus Stimulus Checks FAQ: 15 Answers We Know So Far
One piece of good news in a time of coronavirus doom: You’re probably getting a $1,200 check if you’re single or a $2,400 check if you’re married to help you deal with the fallout of COVID-19. The Senate unanimously passed a $2 trillion bill late Wednesday night aimed at providing relief from the financial impact of the pandemic. In addition to the $1,200 payments for most adults in the U.S., the bill massively expands unemployment benefits for those impacted by the virus. It also provides hundreds of billions in loans to struggling small businesses and larger companies. The bill is expected to be approved by the House of Representatives on Friday and then be signed into law by President Trump. We’ll update this post as the story develops. Coronavirus Stimulus Check FAQs: 15 Questions Answered Here’s what we know so far about the coronavirus relief checks that will be going out soon. This is a developing story, and there are a lot of details that we still don’t know. We’ll answer more questions as information becomes available. The bill is expected to be approved by the House of Representatives on Friday and then be signed into law by President Trump. We’ll update this post as the story develops. 1. Will I get a check? How much will I get? If you’re single with an adjusted gross income (AGI) of $75,000 or less, you’ll get $1,200. If you’re married and file a joint return, you’ll receive $2,400 if your combined income is $150,000 or less.  For each child 16 or younger in your household, you’ll get another $500. If you file as head of household (usually that means you’re a single parent with at least one child who lives in your home for more than half the year), you’ll get $1,200 if your income isn’t over $112,500. If you’re single and make more than $75,000 or if you’re married and make over $150,000, your check will be phased out by 5 cents for every $1 you earn above these amounts. That means once your income reaches $99,000 if you’re a single filer or $198,000 if you’re married, you don’t get a check. For people who file as head of household, the phase-out ends at $136,500. Pro Tip Calculate your stimulus payment with the Washington Post’s online calculator. 2. What tax return will be used to determine my eligibility? If you’ve already filed your taxes, your 2019 return will be used. Otherwise, your 2018 return will determine your eligibility. Reminder: This year’s tax filing deadline has been pushed back 90 days to July 15. 3. Who WON’T qualify for the stimulus checks? If the income on your 2018 or 2019 return is higher than the thresholds listed above, you won’t get a stimulus check. You also won’t get one if you’re a nonresident alien, you don’t have a Social Security number or if someone else claims you as a dependent. 4. I haven’t lost my job or had my hours cut due to coronavirus. Will I still get a check? Yes. Eligibility is based on your 2018 or 2019 income. Your current employment status isn’t a factor. 5. What if I have lost my job? Does that mean I get extra? No, you won’t get a larger stimulus check. But you will benefit from the “unemployment on steroids” expansion of benefits for workers who lost their jobs or experienced major loss of income due to the pandemic. The package gives workers who lost their jobs for reasons related to coronavirus up to $600 per week of additional unemployment benefits on top of their state benefits for 13 weeks. What’s especially unusual about this bill is that it extends unemployment benefits to gig workers, contractors and freelancers who usually don’t qualify. 6. Will I have to pay taxes on the check? Probably not. It’s a tax credit and isn’t treated as income. If you qualify for $1,200, you’ll receive the full $1,200; no taxes will be deducted. Where it gets confusing is that the check is actually a credit for your 2020 taxes — but since no one knows how much we’ll earn or how much they’ll owe for 2020, the payments are based on your 2019 return if you’ve already filed it or your 2018 return if you haven’t. So what happens if you’re single and earned $70,000 in 2019 and your income suddenly soars to $100,000 in 2020? We don’t really know. Technically, you’d be ineligible for the relief check… but there’s nothing in the bill that requires you to pay back the money or even report it as income. Here’s all of our coverage of the coronavirus outbreak, which we will be updating every day. 7. What if I made too much in 2019 to qualify, but my 2020 income has taken a hit? If you didn’t qualify because you earned too much in 2018 or 2019, but your income dips below the thresholds in 2020, you won’t get a stimulus check, though you’ll probably benefit from the expanded unemployment benefits if you’ve lost your job due to the pandemic.  While the bill wouldn’t allow you to receive a check based on your 2020 income right now, you would most likely be able to receive the payment as a tax credit when you file your 2020 tax return in early 2021. 8. Where do I find my AGI? To find your AGI on your 2018 return, look at Line 7 of your 1040. For your 2019 return, you can find it on Line 8b of your 1040 or 1040-SR. 9. What if I didn’t file a tax return in 2018 or 2019? If you received Social Security benefits, the IRS can use information from your benefits statement to process your check. But things could get tricky if you didn’t file a tax return and also didn’t receive Social Security benefits for 2018 and 2019. The solution: File a tax return ASAP. While the IRS website says it doesn’t have any information about stimulus checks yet, it urges non-filers to take action right away. “Pending legislation includes certain potential credits and rebates for those who have filed a return for 2018 and/or 2019,” it says. “Those without 2018 tax filings on record could potentially affect mailings of stimulus checks.”  Pro Tip If you need to file a tax return for 2019 or a previous year, check out these free tax-filing resources on the IRS website. 10. Do I still get a check if I’m retired? Yes, as long as your income isn’t above the limits listed above and you meet the other criteria. If you didn’t make enough money during either year to file a tax return, the government can use your Social Security benefits form to process your payment. 11. Will I still get a check if I owe back taxes? Yes. Delinquent taxes won’t affect stimulus checks.  12. I already got my relief check in the mail. Is it legit? No! Any check you’ve already received is fraudulent. Remember: This hasn’t even been signed into law yet. A few things to remember for when checks are issued: You’ll never have to pay anything upfront to receive a check from the U.S. government, and you’ll never have to provide your Social Security number, credit card number or bank account number to receive your check. The FTC has more information here.  13. How will I get my check? If the IRS has your bank account information from your past tax returns, it will use that and pay you via direct deposit. If it doesn’t have your bank account info, you’ll get your benefit by mail, but there’s a good chance it will be in the form of a prepaid debit card, rather than a paper check. 14. When will I get my check? Treasury Secretary Steve Mnuchin said he hopes to get payments out in two to three weeks. However, many observers say it’s highly unlikely that the IRS can make this happen that quickly. Last time the government sent out stimulus checks in 2008, the process took about three months. 15. Is this a one-time deal? The Senate has only authorized one payment, so for the moment, yes.  What Do You Want to Know About the Coronavirus Stimulus Checks? There are a lot of things we still don’t know about the coronavirus stimulus checks.  Even the IRS doesn’t have all the answers. Remember, this hasn’t been signed int [...]
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Free One-Month CBS All Access Trial! {HOT}

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Free One-Month CBS All Access Trial! {HOT}
This post may contain affiliate links. Read my disclosure policy here. Whoa! You can currently get a FREE one-month CBS All Access Trial, which is a super rare and HOT deal!! Psst! Looking for more freebies like this? Right now, you can sign up to get a FREE one-month CBS All Access trial when you use the promo code ALL at checkout! This is a rare deal as the free trial usually only lasts seven days! If you love Star Trek, this is an especially great deal because it gives you access to all the latest episodes of Star Trek Discovery and Star Trek Picard! 🙂 Note: After your free trial is up, you’ll be charged at the regular monthly rate. If you don’t wish to continue after your free trial, be sure to cancel before it renews! Valid through April 23, 2020. [...]
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CFTC Issues Temporary Relief from Certain Regulatory Requirements

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CFTC Issues Temporary Relief from Certain Regulatory Requirements
On March 17, the staff of the Commodity Futures Trading Commission (CFTC) issued a series of no-action letters to provide certain CFTC-regulated entities and registrants with temporary regulatory relief from a targeted set of regulatory requirements. The CFTC’s Division of Swap Dealer and Intermediary Oversight (DSIO) issued a set of Staff Letters aimed at a broad range of market participants — including futures commission merchants (FCMs), introducing brokers (IBs), swap dealers (SDs), retail foreign exchange (forex) dealers, floor brokers, and members of designated contract markets (DCMs) and swap execution facilities (SEFs). These letters provide for temporary no-action relief from a number of CFTC regulatory requirements, as described below. Until June 30, 2020, DSIO will not recommend enforcement action against FCMs, IBs, SDs, retail forex dealers, floor brokers and members of DCMs and SEFs for failure to record the time and date on certain order records and trade information by time stamp or other timing device as required by CFTC rules if the personnel who are responsible for preparing such records are mandated by the firm’s BCP to be absent from their normal offices, provided that the required records are created, are maintained, and include any required date and time to the nearest minute. This date and time entry could be manually entered. Until June 30, 2020, DSIO will not recommend enforcement action against FCMs, IBs, SDs, retail forex dealers and floor brokers for failure to record the oral communications of personnel who would otherwise be required to use a recorded line pursuant to CFTC rules if such personnel are mandated by the firm’s BCP to be absent from their normal offices, provided that a written record of the communication is maintained that identifies date, time, participants and subject matter, and that the firm takes “affirmative steps” to collect and maintain any written materials prepared by affected personnel in connection with such communications. Until June 30, 2020, DSIO will not recommend enforcement action against floor brokers who are not physically located in a pit or other place determined by a contract market, nor will floor brokers be subject to a requirement to register as an IB because of failure to so locate, if the floor broker is required by the DCM’s BCP to be absent from such place. DSIO will not recommend enforcement action against FCMs and SDs who would otherwise be required to provide the CFTC with a copy of their Chief Compliance Officer (CCO) annual reports prior to September 1, 2020, provided that they submit such reports within 30-calendar days of their original due dates. The CFTC’s Division of Market Oversight (DMO) issued a set of Staff Letters covering SEFs and DCMs. These letters provide for temporary no-action relief from certain audit trail-related requirements for SEFs and DCMs, as well as an extension of the deadline for submission of CCO annual compliance and certain financial reports for SEFs. Until June 30, 2020, DMO will not recommend enforcement action against any SEFs that cannot meet requirements around recording of voice communications, to the extent that voice trading personnel are outside their normal offices, provided that the SEF makes reasonable efforts to record in writing the time, date, parties and subject matter of unrecorded conversations, all transaction terms are captured in SEF systems, and orders (even if placed on unrecorded lines) are retained in the SEF’s normal audit trail. Until June 30, 2020, DMO will not recommend enforcement action against DCMs that fail to comply with audit trail requirements, to the extent that those failings are a result of interactions with market participants who are relying on the DSIO Staff Letters described above, provided that the DCM requires such participants to comply with the applicable conditions of those DSIO Staff Letters and that orders entered by such participants are retained in the DCM’s normal audit trail. DMO will not recommend enforcement action against any SEF or SEF CCO for failure to timely submit to the CFTC either an annual compliance report or a fourth quarter financial report (where either report would have been due prior to September 1, 2020), provided that such reports are submitted no later than 120 days after the end of the fiscal year for that SEF. The DSIO Staff Letters are available here. The DMO Staff Letters are available here. NOTE: On March 17, the National Futures Association provided relief from parallel NFA requirements for Members that are in compliance with the terms of the CFTC staff no-action relief. The NFA statement is available here. [...]
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Coronavirus To Kill Cash For Good

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Coronavirus To Kill Cash For Good
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Coronavirus and Negative Interest Rates: What It Means for You

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Coronavirus and Negative Interest Rates: What It Means for You
Thanks to the coronavirus-related financial crisis, we’ve broken more records in U.S. financial markets: Interest rates on some government securities have now dropped below zero, with one hitting a new low. As of this morning, three-month Treasury bills on the secondary market were paying negative 0.036% — a record low. One-month Treasury bill rates also went negative. This is the first time since... [...]
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BIG Updates From Our House (we tell you all about it on the podcast)

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BIG Updates From Our House (we tell you all about it on the podcast)
This post may contain affiliate links. Read my disclosure policy here. Well, like I’ve alluded to other places online, the past two weeks have been packed full of so many different, unexpected things. Some good, some hard, some just plain different than what we expected. It feels almost as if we’ve lived through an entire month in just a week’s time. In this week’s podcast episode, we sit down and talk about some of the BIG updates/changes/unexpected things that happened at our house recently, including: getting a long-term placement from foster care for a preemie who was still in the NICU (he got out of the hospital today!!!!) the kids being out of school and everything being cancelled — and how we are letting them plan their routine for the day and how that is working for us Kathrynne’s trip to Suriname where she ended up getting stuck there because the country closed their borders due to COVID-19 (she only ended up having to stay two extra days — and she shares more about that experience on the podcast) If you have some extra time and want a more newsy behind-the-scenes peek into what’s going on at our house right now, don’t miss this episode. In This Episode:  [01:25] There have been some major life changes happening lately and we’re going to discuss a few of them in-depth on the podcast today. [03:21] The kids are planning their own routines during this time and it is saving both my life and Jesse’s life. Hear why we are having our kids be in charge of this and how we went about having them set this up. [09:11] I’m reading Don’t Overthink It by Anne Bogel and I share some of my favorite quotes. [12:45] Jesse is reading Fearless by Eric Blehm. [18:36] Our sweet foster baby should be released from the hospital soon and we are so excited. [21:24] Kathrynne joins us to chat about her adventures in Suriname. She shares why she went on this trip, what they did on the trip, and her biggest highlight of the trip. [27:41] Hear all about how the trip ended very differently than any of us could have imagined and Kathrynne felt when they were told that the trip could be extended for 30 days or more.  Links and Resources: Don’t Overthink It by Anne Bogel Fearless by Eric Blehm MoneySavingMom.com YourBloggingMentor.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player here. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. [...]
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How to Build a Cheap Home Gym for Less Than $100

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How to Build a Cheap Home Gym for Less Than $100
With gyms across the country closing to help combat the spread of COVID-19, the disease caused by the new coronavirus, you’re probably wondering how you can keep up with your workout routine while also practicing for social distancing. Enter the home gym. Creating a home gym will not only help you stay in shape but could also save you money in the long run, considering the high cost of gym memberships and boutique fitness classes that can cost more than $20… for a single hour. TPH editor Caitlin Constantine is no stranger to workout-related expenses. As a triathlete, a huge chunk of her disposable cash goes toward racing fees and nutrition. She’s completed two Ironmans, seven marathons and even two ultramarathons. But those race fees add up, to say nothing of all the time and energy she spends on her extensive training. Why add in extra hours slogging back and forth to a gym? However, she knows staying in shape can lengthen and improve lives in every way from preventing injury to counterbalancing mental health issues — which is particularly important during these stressful times — so she’s passionate about deconstructing the myth that fitness has to be complicated and expensive. “It’s our birthright as human beings to be able to use our bodies and make the most of them,” she says.  So she was thrilled to share the details on the cheap home gym she built to help her cross-train cheaply and conveniently — all for less than $100. How to Build a Home Gym for Less Than a Benjamin To ditch the expense of her fitness membership, Constantine built a home gym for under $100.  If that still seems pricy to you, keep in mind: You might spend that for just five Pure Barre classes or a few months of a gym membership. That doesn’t count activation fees or the gas you’ll spend getting there and back.  Once you stock your home gym, it’s yours to keep — no membership renewal necessary. Here’s what’s in Constantine’s workout room, and how she uses it. Resistance Bands Cost: $10+ Exercises: Clamshells, leg lifts, almost any bodyweight exercise  You can amp up nearly every classic exercise you can think of by adding extra resistance.  The cheapest way to do that? Resistance bands.  Constantine found hers at a sports store for $12, but you can find them online starting for less than $10. They usually come in a set of different tensile strengths, so you can customize your workout. Constantine notes they’re a great addition to any runner’s fitness regime. “As a runner, I’m constantly trying to strengthen my hips,” she says. Doing resistance-assisted clamshells and leg lifts helps her accomplish that goal, and also helps with her running-related knee issues. Balance Ball Cost: $10-$30 Exercises: Jackknife, plank (not actually just for men, despite the video!), bridge, back extension Ah, the stability ball. Turns out it’s good for more than just replacing your office chair and making your colleagues feel lazy! “I like the exercise ball because it’s good for doing a lot of core work,” says Constantine.  And as awesome as the stability ball is for core work, you’ll find you can use it for everything from glutes to arms. Tons of full-body workouts require nothing but a properly sized stability ball.  Plus, they’re dirt cheap — starting at about $16 and going up to about $30, depending on the size and brand. Dumbbells Cost: About $20 apiece, depending on weight Exercises: Bicep curls, shoulder press, overhead triceps extension, flyes, deadlifts, the works! Full disclosure: This is the most expensive item on the list. Dumbbells can go for $8 or more each — and yes, that means a single dumbbell, not a set of two. That said, dumbbells are awesome. They’re one of the most versatile and long-lived pieces of equipment you can add to your home gym. Constantine sprung for two pairs — a 10- and 20-pound set, which she uses for everything from chest press lying on her stability ball to deadlifts. Hers cost about $20 each, but the lighter ones are slightly cheaper if you’re not on Constantine’s super-strong level quite yet.  If you’re just starting out and aren’t sure where you stand — or squat, as the case may be — you might consider snapping up a set of several dumbbells, or an adjustable version. That way, you’ll have a few options to choose from, and you can scale in either direction if things prove to be too heavy (or too light!). You can also find them (and anything else on the list!) pre-owned on Craigslist to cut your costs even further.  This even goes for bigger pieces of equipment if you have a special interest in weight training.  Constantine says you can find many online from hopefuls who purchased, and then never used, their weight racks. (“They ended up becoming an expensive clothes hanger” instead, she says.) Other Home Gym Odds and Ends Although you can craft an effective workout with any or all of the home gym equipment listed above, Constantine also picked up a few more odds and ends. Since she practices yoga to round out her intense training, she’s got a yoga mat. You can get one as cheap as $20 or get fancy — Manduka mats are pretty expensive, but they do offer a lifetime guarantee! And her next purchase? A doorway chin-up bar, as long as she can find a good place in her home to install it. They cost between $20 and $40 and work way more body parts than just your arms: core, back, shoulders, you name it. Staying Fit Might Be Hard, but It Doesn’t Have to Be Complicated Since Constantine’s a capital-A Athlete, she supplements her at-home workouts with a strenuous training program involving long runs, swims and bike rides.  (“How long is long?” I asked. “Well, the long run I did on Saturday was like 12 miles,” she responded. So, yeah.) But you don’t have to be in a competitive sport to be fit and healthy — or to reap the life-changing benefits of a commitment to fitness. “All the triathlon stuff that I do, that’s way extra,” Constantine says. She considers it her hobby.  “If I was just trying to be healthy, I would just do some planks, do some push-ups, maybe walk for an hour around my neighborhood each night.”  “I feel like there’s this tendency to make fitness seem more complicated than it actually needs to be,” she says — partially because fitness is a huge and profitable industry. FROM THE SAVE MONEY FORUM BEING THRIFTY DOESN'T MEAN CHEAP STUFF 1/22/20 @ 3:22 AM Baking bread 3/23/20 @ 3:13 PM Saving on vegetarian food 3/23/20 @ 2:18 PM M Saving at the Grocery Store 3/4/20 @ 2:43 PM See more in Save Money or ask a money question But you don’t have to pay a coach or buy a gym membership to be healthy. No matter what, just do something that’s not sitting for at least an hour every day. It doesn’t have to be intense or unpleasant — in fact, it should be fun!  “There’s no one specific way to get fit,” Constantine says. “Mostly the body just wants to move.” So pick an activity — any activity — you enjoy and get moving. Yes, dancing around in your underwear or playfully chasing your toddler around the backyard both count. Ideally, you’ll get your heart rate up, do some weight-bearin [...]
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NerdWallet Experts’ Tips on Handling Finances During Coronavirus

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NerdWallet Experts’ Tips on Handling Finances During Coronavirus
The economic impact of the coronavirus outbreak may have you thinking about — and let’s be real, losing sleep over — your finances now more than ever. With bills, investments and mortgage payments to consider, as well as looming fears about a recession, you may need an expert opinion to cut through the noise and... Valerie Lai is a writer at NerdWallet. Email: vlai@nerdwallet.com. The article NerdWallet Experts’ Tips on Handling Finances During Coronavirus originally appeared on NerdWallet. [...]
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Turn off the news and love the people in front of you

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Turn off the news and love the people in front of you
I haven’t said much about COVID-19 because I don’t want to be just one more person adding to the noise. However, I felt this burden to share something that’s been on my heart… If you are feeling panicked, scared, or stressed right now, can I encourage you to turn off the news and love the people right in front of you? That might mean unsubscribing from email newsletters, being offline more, unfollowing (or hiding) people or pages you follow online for a season, or shutting off the news. Whatever is feeding your worry and fear, step away from it as much as you can and replace it with loving those right in front of you well. Yes, we need to be informed. Yes, we need to be wise and cautious. Yes, we need to think carefully about how our actions might cause harm to those who are most at risk. But sitting around stressing and feeding ourselves a constant diet of theories and predictions and “what if’s” is not going to help anyone — and it’s going to wear down our own immune systems. Rock and sing to your babies. Read to your toddler. Bake cookies with your 5-year-old. Play a game with your pre-teen. Hang out with your teenager. Watch a funny movie as a family. Tell your spouse how much you love them. Plan a creative at-home date night. Text or call your elderly neighbor. Send an email or FaceTime a friend. Pray for those who are most vulnerable. Look for ways to serve your community. Think of those people who might be overlooked or especially scared and reach out to them. It’s amazing how much our perspective and outlook can change when we focus on loving others! Who needs your love and kindness today? [...]
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Is Online Grocery Shopping Cheaper?

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Is Online Grocery Shopping Cheaper?
For years, we’ve all enjoyed shopping online for household essentials, clothes, and other things we need. However, most of us have still been making the weekly pilgrimage to our local grocery store to buy food. But that’s all changing. The good news is, after you try buying your groceries online, you might never want to ... Read More about Is Online Grocery Shopping Cheaper? The post Is Online Grocery Shopping Cheaper? appeared first on Penny Pinchin' Mom. [...]
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Technology helping governments & citizens, one line of code at a time

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Technology helping governments & citizens, one line of code at a time
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What to Do if Your College Closed Due to the Coronavirus

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What to Do if Your College Closed Due to the Coronavirus
School’s out for many colleges and universities that have closed in an effort to prevent the spread of the coronavirus.  That can create a dire problem if you depend on your school for housing, food and on-campus jobs. And what does it mean for your student loans? Here’s all of our coverage of the coronavirus outbreak, which we will be updating every day. Although some schools have contemplated refunding some charges for room and board, according to The Wall Street Journal, the fact is you’re unlikely to receive a refund for the tuition and fees you’ve already paid. We’re here to help you navigate these unchartered waters — including what to do to avoid racking up student loans. How to Avoid Racking Up Student Loan Debt Due to the Coronavirus Whether your college is closing its campus or you need to quarantine yourself, here’s how you can avoid taking on extra student loan debt. An important note: If you need to reach your school, you may need to try multiple avenues. Remote-working staff may be able to assist, but expect longer waits if you’re calling the financial aid office, for instance.  Alternatively, your school’s official social media sites might provide more immediate guidance for how to contact specific offices or departments. If Your College Campus Closes  Beyond the take-home tests and online classes, there’s the real cost associated with planning to live in one place and then being told to go away. Some colleges are offering at least temporary shelter in dorms, but you’ll need to reach out to your college’s housing services to let them know your situation. If you’re displaced because of your college’s closing, you may need someplace to store all your stuff — U-Haul is offering a free month of self-storage at U-Haul owned and operated facilities. You must be a new customer, but you only need to show your college ID to get the deal. Pro Tip If you have a Federal Work-Study job, your school may let you to work remotely or pay you for scheduled hours if you can’t make it in due to coronavirus-related disruptions, according to the DOE. Some hotels — the ones that have remained open — are also offering discounts to students who need a place to stay before booking arrangements to get back home. The Radisson Blu Aqua Hotel, Chicago, for instance, is offering a discounted rate of $99/night plus taxes and fees for displaced college students, according to Laura Langemo, senior specialist, public relations for Radisson Americas. The rate is available through April 30 and you’ll need to show your college ID at check-in.  Hotels near your college may be offering deals to make up for their own cancellations, but call ahead to confirm. FROM THE DEBT FORUM Payday loans 3/11/20 @ 1:50 PM School Loan Forgiveness 3/9/20 @ 6:57 PM L Credit cards 3/4/20 @ 2:43 PM Student Loan - Public Service Loan Forgiveness (Income-Based) - Payment Decrease? 3/4/20 @ 4:15 PM L See more in Debt or ask a money question If You Can’t Attend Class If you can’t get back to school because you’re under quarantine, the Department of Education’s financial aid website recommends that you reach out to your school’s financial aid office and academic adviser.  If the person responsible for your tuition payments — you, your parents, your grandparents — lost their source of income, ask your school’s financial aid office about alternative payment options and potential emergency funding to cover costs.  Pro Tip If you’re currently repaying student loans held by the federal government, you’re eligible for an interest waiver. Check the Department of Education website for details and updates. If you’re sick or must care for a family member, reach out to your academic advisor and the financial aid office for a potential leave of absence. The thing you shouldn’t do: simply stop going to class. If your school has moved to online classes, you must participate in them to remain eligible for financial aid.  If you don’t have the money to continue full time, at least consider cutting back to attending online classes part time. By maintaining half-time status, you can continue deferring your student loans. Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Read her bio and other work here, then catch her on Twitter @TiffanyWendeln. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Get my favorite tees for just $10 shipped!!

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Get my favorite tees for just $10 shipped!!
This post may contain affiliate links. Read my disclosure policy here. These tees are SO cozy and soft! Grab one for just $10 shipped right now! Cents of Style has their popular Tees on sale 2 for $20 when you use coupon code FAVTEE at checkout. Included in this sale are my favorite short-sleeve Jagger Tee or long-sleeve Joanna Tee, and you can mix & match. Shipping is FREE, so you’ll pay just $10 each, shipped! These shirts are SUPER soft and really versatile! They can be worn long over leggings, tied in the front for a really cute look, tucked into skinny jeans, or layered with a long cardigan. There are so many cute tees included in this sale! Choose from sizes S through 3XL in tons of different color choices. Valid through March 29, 2020. Go here to grab two Tees for just $10 each, shipped! [...]
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How to Book Future Air Travel Amid Coronavirus Uncertainty

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How to Book Future Air Travel Amid Coronavirus Uncertainty
The coronavirus pandemic has brought air travel to a screeching halt. Flights are cancelled, borders are closed, and now one of the big questions is: When will we travel again? Airlines are offering flexible travel policies to help with this uncertainty. For example, if you’re set to attend a wedding this summer but are unsure... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article How to Book Future Air Travel Amid Coronavirus Uncertainty originally appeared on NerdWallet. [...]
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A Bug Is Crashing The Financial System And Decentralization Is The Best Way To Fix It

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A Bug Is Crashing The Financial System And Decentralization Is The Best Way To Fix It
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10 Foods That Can Keep for Years

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10 Foods That Can Keep for Years
If you hadn’t previously thought about how you would build up a food supply for an emergency, the new coronavirus probably has made you consider it. What kinds of foods are best to keep in the pantry and freezer in case of a natural disaster, zombie apocalypse or pandemic that drags on for more than a couple of weeks? Start with the following options. These foods can last for years before going... [...]
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Fetch Rewards eReceipts: Earn points for online purchases!

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Fetch Rewards eReceipts: Earn points for online purchases!
This post may contain affiliate links. Read my disclosure policy here. Yay! Fetch Rewards just rolled out the ability to earn points for online purchases with their new eReceipts feature! {See my full Fetch Rewards review here. And don’t forget you can earn money for online purchases through Rakuten and Swagbucks!} In case you weren’t aware, I absolutely love using the Fetch Rewards app to save money on my groceries. (You can go here for my full Fetch Rewards review and to learn why I love it so much!) And I’m really excited because they just rolled out a new way to earn points in their app! Fetch Rewards eReceipts With their new Fetch Rewards eReceipts feature, you can now earn points for online purchases. Here’s how: Update to the latest version of the Fetch Rewards app. Tap the Blue eReceipt button. Connect your Amazon or email account. Tap the blue eReceipt button any time you have a receipt in your inbox to scan and you’ll earn points for your online purchase! That’s it! It’s super easy!! Never used Fetch Rewards? Go here to get started and get a special Fetch Rewards code worth a bonus 2,000 points. Want to cut your grocery budget? Go here and sign up (it’s free!) I’ll send you my 10 Easy Ways to Cut Your Grocery Bill By $50. [...]
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Paul Hager: “At ONEtoONE my focus has changed to helping companies reach business success”

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Paul Hager: “At ONEtoONE my focus has changed to helping companies reach business success”
The post Paul Hager: “At ONEtoONE my focus has changed to helping companies reach business success” appeared first on ONEtoONE Corporate Finance. [...]
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Dear Penny: I’m Retired. What Will Coronavirus Do to My Savings?

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Dear Penny: I’m Retired. What Will Coronavirus Do to My Savings?
Dear B., The truth is that nobody knows. Sure, we’ve survived downturns before. They’ve been painful and scary. But retirement portfolios have bounced back. In all likelihood, that’s what will happen this time. Yet we’ve also never seen a situation like coronavirus in our lifetimes. No one really knows how deep the pain can get or how recovery starts to happen when we’re all being told not to leave our homes for the foreseeable future. That uncertainty is less of a problem for people who have decades left until retirement, but it’s especially scary for people like you, whose working years are behind them. So let’s acknowledge what we don’t know. We have to work with the information we do have about what happened to retirement accounts in past bear markets, even though the situation we’re in is unique in so many ways. I reached out to several financial advisers about the best course of action for retirees dealing with the market fallout. Note that what they told me is general financial advice. You should always consult with a pro before making major financial decisions.  The most important piece of advice is the part that’s hardest to follow, and it applies to retirees and working-age people alike: Do not panic and sell off major assets right now. “One of the worst things a retiree could do in this situation is to sell the stocks after they’ve decreased so much in price,” said Andy Panko, a certified financial planner who owns Tenon Financial LLC in Iselin, New Jersey. “Selling stocks at the current low prices will lock in those losses and leave retirees with less shares left to rebound when the economy and stock prices eventually turn around. This will permanently reduce a retiree’s wealth.” One good thing about your situation is that you aren’t living off your retirement accounts right now. The longer you can avoid making withdrawals, the better. That gives more of your money time to rebound. If you have enough non-retirement savings to live off of in the short term, using that money for your expenses is ideal.  Alternatively, if you have cash value in a life insurance policy or access to a line of credit, these could help you meet your needs in times of temporary market stress, according to Colin B. Exelby, a CFP and president/founder of Celestial Wealth Management. “This provides relief and time for those risk assets to potentially recover,” Exelby said. “The key is, assuming they do that, you then pay back the credit line or permanent insurance policy as the risk assets recover.” But if you don’t have access to a lot of cash and need to start withdrawals sooner, try to withdraw the absolute minimum you need to stay afloat so you have more money invested whenever recovery starts to happen. Getting your mix of assets right when you’re retired or approaching retirement is also essential because you’re kind of at a Catch-22: You want lower-risk investments, but they still need to have enough risk to earn a decent amount. Otherwise, you risk chipping away at your principal balances and outliving your retirement savings. This is important enough that it’s worth the cost of working with a financial planner, even if it’s just for the short term. You don’t say how old you are, but if you haven’t started taking Social Security benefits yet and are eligible to do so, this should be part of the discussion. In an ideal world, you’d wait as long as possible to start taking benefits to get the maximum monthly payment. But that’s in an ideal world — as in, one without coronavirus. In the real world, you have to use the resources that are available. So taking Social Security early to avoid selling investments at bottom prices may be something to consider. These are scary times for everyone right now. The fact that many of us are dealing with this in relative isolation makes it that much harder not to dwell on the uncertainty. If you’re constantly monitoring your retirement accounts… stop it! Log out of your accounts and try FaceTiming with a friend or family member instead.  Just talking about your fears can provide some relief. We’re all experiencing this together — even if we are in quarantine.  Robin Hartill is a senior editor at The Penny Hoarder and the voice behind Dear Penny. Send your tricky money questions to AskPenny@thepennyhoarder.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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What do you want a post #Coronavirus world to look like?

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What do you want a post #Coronavirus world to look like?
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Life Update: Pregnancy (week 34), Fostering, Quarantining, & Kathrynne is home!

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Life Update: Pregnancy (week 34), Fostering, Quarantining, & Kathrynne is home!
34 weeks! And what a week it’s been! Kathrynne getting stuck in Suriname because they closed the borders (gratefully, her group got on a special flight this past Monday —  see below), spending hours at the NICU taking care of the preemie we’re fostering, everything else in our life getting cancelled… it’s felt like a pretty unprecedented week! Highlights Pregnancy-wise, I’m doing well. I feel like baby had a growth spurt this week and I’ve popped even more. Very few clothes still fit and I feel pretty big, but I’m not at the totally miserable stage yet, so I’m grateful. Getting comfortable while sitting and sleeping is becoming more of a challenge, but that’s to be expected when you’re in your final weeks of pregnancy! 😉 Notable I’m thankful to not be experiencing much swelling yet. My face is definitely a lot puffier, but other than that, so long as I keep my feet up for part of the day, I’m usually good. We’re hopefully bringing our NICU baby home soon, so I’ve spent some time this week making sure everything is in order for both babies — baby clothes are washed, diapers are stocked, a second bed is ordered, etc. I also sat down and mapped out the bones of a feeding/sleeping/life routine today — since our little preemie is on an every three-hour feeding schedule and will most likely continue that once released from the hospital. We’re getting excited to think of being a family of 7 soon — but also trying to savor our last few days of being a family of just 5. Cravings I’m mostly only hungry in the mornings now. I’m usually famished for the first few hours of the day and then I’m not that hungry after lunch. I’m eating lots of apples/peanut butter and Raisin Bran/milk. Oh and we found that vanilla ice cream before bed helps me to sleep better and not wake up with heartburn as often. I have no idea why, but hey, if it works, it works! 🤣I’m also eating dates every day and drinking red raspberry leaf tea to help prepare for labor. Weight gain: 27 pounds She’s home!!! After being gone for 11 days, getting stuck in Suriname due to the country completing closing their borders, and being told she might not be able to come home for 30 days… we got to witness God move some pretty huge mountains in a very short amount of time. (The government arranged a special flight out of Suriname for them and a handful of others who were trying to get back to the US!) A huge thank you to the many who prayed, the school administration who worked tirelessly to get them home, & the government officials who bent over backwards to make this happen. Also, we are so proud of this girl! She handled the whole thing like a champ and told me she decided to focus on the positive in it instead of dwelling on the what if’s or unknowns. She came back stronger, more resilient, more independent (in a good way), more aware of the goodness and provision of God, and so incredibly humbled by how many hundreds (thousands?) of people were praying for her and their team to make it home safely. Thank you all to the many, many, many of you who wrote, texted, and messaged to tell me you were praying. It has truly been a humbling experience to be the recipient of so much love and kindness this past week… especially when SO much else is going on in the world. We are blown away how deeply you care about our family. And now we’re hunkered down at home for the next few weeks trying to stay as healthy as possible and keep our home as germ-free as possible since we’ll likely be welcoming a medically fragile babe into our home very, very soon. (Interested in seeing the creative things my kids are finding to do each day while home 24/7 or want to follow along with our foster care journey? Be sure to follow my stories on Instagram. I usually post there multiple times per day every week day!) Speaking of Instagram, I posted this earlier this week and thought this might encourage someone today: This is what the last 8 days of my life have looked like. Sitting in the rocker in the NICU rocking this tiny preemie we’re fostering and praying. (Note: The mask is just one of the many precautions the nurses are having me take to keep me and baby as healthy as possible.) I’m usually a go-getter, a very driven person, who will have 15 balls in the air I’m juggling at any given time. My brain isn’t good at slowing down and I typically find living life at 100 miles an hour (with short pit stops here and there) to be exhilarating and fulfilling. But right now, this is my season to rock, hold, comfort, and speak words of life to this precious baby. And that is enough. I look down at this bundle I’m holding and realize, this sweet child doesn’t know anything about the chaos or fear going on in the world. Baby just wants to eat, sleep, and be held. And as long as I’m holding this child, they are almost always completely relaxed in my arms, resting deeply and peacefully. As I sit here, I think of so many of you who are struggling today. Some of you have written in and told me how you are facing scary unknowns, big financial setbacks, possible job loss, fear of the future, worry over immunocompromised loved ones, separation from those you love, and so much more. This virus is personally affecting each of us in big ways. I just want to remind you — as I am reminding myself — to crawl up into Jesus’ lap and let Him hold you. He loves you more than you can ever imagine. And He will give you what you need for today. There are a lot of unknowns in my future right now — as I am positive there are in yours. If I let myself start dwelling on them, I can begin to feel scared and stressed. But God hasn’t given me grace for tomorrow or next month. He is giving me grace for today and I can rest in that. And so, I sit here and rock — trusting Jesus that He has my future, my NICU baby’s future (and all the possible medical issues and things with that far outside my control!) my 34-week in utero baby’s future, my other 3 kids’ futures, my husband’s future, the future of our business, my extended family’s future… in His hands. I rest in that and rock on. ❤️ [...]
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How to Prepare for a Recession

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How to Prepare for a Recession
The coronavirus pandemic began as a public health concern, but it wasn’t long before the fallout from the spreading outbreak began to raise troubling economic questions. Perhaps chief among them: Will this lead the world into an economic recession? Understanding recessions A recession occurs when economic growth stops and the economy starts to shrink. Recessions... NerdWallet is a writer at NerdWallet. Email: articles@nerdwallet.com. The article How to Prepare for a Recession originally appeared on NerdWallet. [...]
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Security Token news for Week Ending Friday 20 March 2020

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Security Token news for Week Ending Friday 20 March 2020
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SEC Amends the Definitions of “Accelerated Filer” and “Large Accelerated Filer”

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SEC Amends the Definitions of “Accelerated Filer” and “Large Accelerated Filer”
The Securities and Exchange Commission recently adopted amendments to the definitions of “Accelerated Filer” and “Large Accelerated Filer” in Rule 12b-2 of the Securities Exchange Act of 1934, as amended. The SEC originally proposed these amendments in May 2019, as summarized in a prior Corporate & Financial Weekly Digest article. As a result of these amendments, a greater number of smaller companies will be excluded from accelerated and large accelerated filer status, which will ease reporting burdens and reduce compliance costs for those companies. Reporting companies are classified into three categories: large accelerated filers, accelerated filers and non-accelerated filers. Under Section 404(b) of the Sarbanes-Oxley Act, the independent auditors of large accelerated and accelerated filers, but not of non-accelerated filers, must attest to, and report on, management’s assessment of the effectiveness of their internal control over financial reporting (ICFR). Furthermore, non-accelerated filers have additional time to file quarterly and annual reports (until 45 days after quarter end and 90 days after year end, respectively). Accordingly, a non-accelerated filer benefits from reduced compliance costs and this additional time to file periodic reports. Some companies are not classified as non-accelerated filers even though they are smaller reporting companies (SRCs), eligible for scaled disclosure accommodations. The amendments described below will become effective 30 days after publication in the Federal Register and apply to an annual report filing due on or after the effective date, even if the issuer’s fiscal year ends prior to the effective date. Exclusion of low-revenue SRCs from the accelerated filer definition  The amendments exclude from the accelerated filer definition any companies that are eligible to be a SRC that had annual revenues of less than $100 million in the most recent fiscal year for which audited financial statements are available (the “SRC Revenue Test”). The amendments also exclude business development companies from the accelerated filer definition if they have annual investment income of less than $100 million. As a result, some (but not all) SRCs and business development companies that are currently accelerated filers will become non-accelerated filers, exempt from the ICFR auditor attestation requirement and having additional time to file annual and quarterly reports. In the adopting release, the SEC provided the following table to summarize the relationships between SRCs and the categories of filers following the amendments: Relationships between SRCs and Non-Accelerated, Accelerated and Large Accelerated Filers under the Amendments Status Public Float Annual Revenues SRC and Non-Accelerated Filer Less than $75 million N/A $75 million to less than $700 million Less than $100 million SRC and Accelerated Filer $75 million to less than $700 million $100 million or more Accelerated Filer (not SRC) $250 million to less than $700 million $100 million or more Large Accelerated Filer (not SRC) $700 million or more N/A Increased transition thresholds for exiting accelerated and large accelerated filer status Pursuant to the amendments, the thresholds for exiting accelerated and large accelerated filer status were increased. In particular, the public float transition threshold for a large accelerated and accelerated filer to become a non-accelerated filer was raised from $50 million to $60 million, and the public float transition threshold for exiting large accelerated filer status was increased from $500 million to $560 million. In the adopting release, the SEC provided the following table to summarize the impact of these amendments on a company’s filing status: Amendments to the Public Float Thresholds Initial Public Float Determination Resulting Filer Status Subsequent Public Float Determination Resulting Filer Status $700 million or more Large Accelerated Filer $560 million or more Large Accelerated Filer Less than $560 million but $60 million or more Accelerated Filer Less than $60 million Non-Accelerated Filer Less than $700 million but $75 million or more Accelerated Filer Less than $700 million but $60 million or more Accelerated Filer Less than $60 million Non-Accelerated Filer The amendments also add the SRC Revenue Test to these transition thresholds. Under the amendments, an accelerated filer with a public float that falls below $60 million, or with annual revenues that fall below the SRC Revenue Test, would become a non-accelerated filer. New check box on the cover pages of annual reports on Forms 10-K, 20-F and 40-F  The amendments also add a check box to the cover pages of annual reports on Forms 10-K, 20-F and 40-F to indicate whether an ICFR auditor attestation is included in the filing, making it easier for investors to identify issuers that undergo an ICFR auditor attestation. This cover page check box must be tagged using Inline eXtensible Business Reporting Language (Inline XBRL). The adopting release is available here. [...]
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7 Tips for Sane Shopping When Everyone Else Is Panic Buying

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7 Tips for Sane Shopping When Everyone Else Is Panic Buying
Some of the grocery-store photos coming out of the coronavirus outbreak resemble those usually seen on Black Friday, or in towns awaiting hurricanes or blizzards. Images capture emptied shelves, especially in cleaning supply and bathroom tissue sections, while some stores post limits on specific products. Don’t give in to the panic buying. Be a smart shopper by using the tips we outline below to... [...]
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61 things to do at home when your kids are bored (springtime edition)

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61 things to do at home when your kids are bored (springtime edition)
We’ve all had those days when the kids are bouncing off the walls but you can’t leave the house — whether it’s raining, someone has springtime allergies, the car’s in the shop, you’re pinching your pennies (go, you!), or whatever. Here are X fun, cheap things to do as a family when you’re stuck inside ... Read More about 61 things to do at home when your kids are bored (springtime edition) The post 61 things to do at home when your kids are bored (springtime edition) appeared first on Penny Pinchin' Mom. [...]
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Free Educational Games, Apps, Books, & Programs for Kids During the Quarantine

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Free Educational Games, Apps, Books, & Programs for Kids During the Quarantine
This post may contain affiliate links. Read my disclosure policy here. If you’re looking for some educational activities for your kids while they’re home from school, don’t miss this round-up of free educational games, apps, magazines, books, and more! {Follow along with all the latest free kids activities, free homeschool curriculum, and educational deals each day!} Due to the COVID-19 quarantine causing schools to be closed across the country, many educational companies are offering amazing freebies and deals to aid parents with at-home education for their kids! Here are some of the top deals we’ve seen so far, but we’ll keep adding to this list as more pop up! Free Educational Activities for Kids All of these freebies require Internet and access to a computer, phone, or tablet. (If you don’t have Internet, check out this deal to get free Internet access!) Also, some of these freebies are limited time trials and you’ll be charged monthly after your trial is up. Just remember to cancel the auto-renewal before your trial is up so that you don’t get charged. It’s super easy! Free ABCmouse 30-Day Trial — This online learning academy specializes in full curriculum for children ages 2-8. This is often one of the top purchased iOS kids education apps! Free Adventures in Odyssey 4-Week Trial — This is a RARE offer to get free access to over 900 episodes of these popular, kid-friendly audio dramas. My kids have loved these over the years, and we’ve listened to thousands of hours of them! And no credit card is required for this free trial. Free ReadingIQ 30-Day Trial — This is an online digital library for kids that offers thousands of books for all reading levels. This app helped Silas fall in love with reading and I can’t sing the praises of this reading app enough! Free BrainPOP Access for Families — This amazing online program offers all sorts of fun content to facilitate learning across many subjects — including math, science, health, music, and more. Free Scholastic Online Education Programs — This site features daily projects to keep kids learning, reading, and thinking. Just choose your grade level and get started! Free Teach Your Monster to Read App — This award-winning iOS app is a phonics and reading game that’s helped millions of children learn to read. It’s regularly $5, so this is a great deal! Free Adventure Academy 30-Day Trial — This educational MMO game features thousands of enjoyable learning activities that elementary and middle school aged kids can discover on quests through an interactive virtual world. Free Monarch Homeschool 30-Day Trial — This is a full online curriculum for at-home learning featuring multiple subjects, automatic grading, and so much more. Use coupon code MON30MSM in the promo code box during the sign-up process to get this deal — no credit card required. Free Ranger Rick Magazine Digital Subscription — This is a perfect freebie for kids who love the outdoors and animals! Each issue is packed with full-color photos of animals and stories of adventure. Step2 Facebook Live Crafts — Step2 is leading craft activities for kids on Facebook Live video every weekday at 3 p.m. ET. Crafts are made from supplies you most likely already have on hand at home. Free Audible Books for Kids and Teens — While schools are closed, Audible will be offering free stories to students. There are some great titles to choose from, including children’s books, classics, modern series, and popular teen titles. Free Homeschool Curriculum & Resources — Be sure to check out our weekly round-up of the best free homeschool curriculum and educational resources! We update this list every Tuesday. Free Thinkster Math One-Month Trial — This online math program offers a free skills assessment, diagnostic report, and personalized math worksheets for your child. And they’re offering one month for free to all students right now — no credit card required. Free Reading Eggs 30-Day Trial — This multi-award winning app helps children become more fluent and proficient readers with just 15 minutes of use each day! And they’re offering a free 30-day trial right now, no credit card required. Looking for even more ideas? These offers aren’t completely free, but they’re still really great deals if you’re looking for some unique ways to keep kids entertained while they’re at home! Annie’s Creative Girls Club Craft Kits for $1.99 Each + Shipping — If you have a creative kid who loves crafts, don’t miss this great deal! I recently received these craft kits in the mail and was SO impressed with everything you get for this discounted price! KiwiCo Box for $11.97 shipped — These themed and educational activities are SO much fun, and my kids have loved them over the years! You can get a great deal on your first box right now. Amazon FreeTime Unlimited 3-Month Trial for $0.99 — This is an all-in-one subscription for kids that offers unlimited access to over 13,000 kid-friendly movies, books, educational apps, TV shows, and games. And this deal for new customers is a $29 savings!! Hooked on Phonics One-Month Trial for $1 — Sign up for this deal to get access to 100 award winning videos, more than 275 interactive games, and 100+ fully illustrated stories! Do you know of any other free educational games, activities, or programs being offered for kids right now? Psst! Are you a parent looking for some activities for yourself? If you love reading, sign up for a free Audible trial or free Kindle Unlimited trial! If you’re looking for workouts, don’t miss this free Daily Burn membership or free Peloton app! Or if you enjoy music, check out the free Amazon Music HD subscription or free Sirius XM Streaming subscription! [...]
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13 Free, Easy Strategies for Coronavirus Stress Management

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13 Free, Easy Strategies for Coronavirus Stress Management
We’re living in scary, uncertain times, and for a lot of us, that translates into high levels of stress and anxiety. But as natural as these responses may be, chronic stress and anxiety pose their own threats. Chronic stress has been linked to many serious health conditions, and it has also been shown to depress immune function, which is something none of us need right now. That’s why we’ve put together a list of 13 things you can do to help you cope during this time. None of these things cost money, and you can do them all at home (or at least in your neighborhood).    13 Ways to Manage Your Coronavirus-Related Stress Right Now The next time you’re feeling swept up in counterproductive thoughts, try one of these tactics. 1. Take a Few Deep Breaths If you’re like most people, you probably respond to feelings of emotional distress by taking shorter, shallower, more rapid breaths. This means your body gets less oxygen, which in turn affects your ability to think clearly and function — and that can exacerbate that tangle of emotions. Taking a few deep breaths will replenish your body’s oxygen supply, and as a bonus, it will give you a few moments to pause, which can also help you calm down.  When you feel yourself getting stressed out, stop and breathe in slowly and deeply through your nose, then exhale through pursed lips. Do this several times until you feel yourself calm down.   Several variations of this exercise exist, so play around until you find something that works best for you. 2. Try a Grounding Technique If stress and anxiety are threatening to overwhelm you, try one of these grounding techniques. They work by pulling you away from your anxiety-producing thoughts, most of which either dwell on the past or ruminate on the unknown future, and bringing you back into the present.  An easy one to remember is the “five senses” technique. Here’s how you do it: Stop for a moment and think about what all of your five senses are experiencing at that precise moment.  What do you hear? What are you smelling? What do you feel on your skin? What do you see? What do you taste?  Whenever you catch your thoughts spiraling out of control, take a minute to pause and do one of these exercises, and hopefully you will feel better quickly.  3. Limit Your Time Online Many researchers have found a strong connection between heavy social media use and a higher likelihood of experiencing anxiety and depression. The same is true for your smartphone.  This is the case even without the threat of global pandemic hanging over our heads, so imagine how much more intense that dynamic is right now, where every push alert to our phone could bring news of another border closure or federal emergency measure. Mix the unrelenting flood of news about these unprecedented events with the stress of watching political arguments unfold in comments sections, attempting to sort out the nuggets of truth from the fire hose of misinformation and trying to block out the increasingly panicked posts from family members and friends, and you have a recipe for lots and lots of anxiety. This is not an argument for complete abstinence from using social media, smartphones and the internet, by the way.  These things can bring great value to our lives, especially now more than ever, when we need both the social connections and the critical information they bring to us. (Not to mention deliveries of food and supplies while social distancing!)  However, even good things can be bad for us if we don’t put limits on our consumption, so if you find that being online is causing you a lot of stress, put some parameters in place.   One option is to give yourself an hour to check in the morning and in the evenings. Another option is to institute no-phone hours after a certain time. A third option is to take a few minutes to turn off your phone’s alerts and notifications.  None of those work for you? Here are seven other ideas for you to try. 4. Spend Time in Nature Sometimes the cure for what ails you is right outside your front door.  Researchers have found that spending time in nature can reduce anxiety, stress and depression. It seems to reduce the levels of cortisol, which is released in response to stress, and the prefrontal cortex — aka the area of the brain that’s active when you’re engaged in repetitive, negative thinking — shows lower amounts of activity. They’re not exactly sure why this happens, just that it does. City dwellers (and anyone else who doesn’t have access to green spaces due to social distancing and shelter-in-place restrictions), we still have good news for you: Researchers found that listening to calming outdoor sounds or looking at trees and other greenery can have the same effect as spending time in nature.  So fire up a playlist of ambient ocean sounds, gaze at some photos of Canadian forests and feel your stress slowly melt away. 5. Write Your Feelings Down Journaling is one of the most common strategies for dealing with mental health challenges, and for good reason. Researchers say writing down your feelings can help you make better sense of them. Instead of rushing around your body and mind in a confusing whirl of stimuli, the feelings become understandable, clearer and easier to manage. Want to try this out but not sure where to start? This post has seven good prompts for you to try. 6. Meditate Meditation has gotten a lot of press in recent years as a one-size-fits-all solution for everything from a lack of focus to anxiety to boosting your productivity.   But what makes meditation so potent in a time like this is that it helps you develop awareness of your own thoughts, which is the first step to being able to manage them more effectively. If you have the ability to catch yourself getting carried away by your anxiety-producing thoughts, then you’ll also have the ability to redirect them in ways that are more productive and useful for you. So you want to try meditation but you’re not sure where to begin? Try one of these five free meditation apps and use the guided meditations. Make an effort to meditate at least once a day for a few days, and see if it works for you. FROM THE SAVE MONEY FORUM Saving at the Grocery Store 3/4/20 @ 9:43 AM Energy saving -- via Arcadia Power or any other similar service? 1/24/19 @ 11:10 AM Emergency fund 3/6/20 @ 9:59 AM See more in Save Money or ask a money question 7. Drink Some Water Feeling anxious? Stop what you are doing, go to the fridge, pour yourself a glass of water and drink it down. Researchers have found that drinking water can lower a person’s stress and anxiety levels. Our bodies are primarily made of water, and when we’re dehydrated, we don’t function as well as we could. So if you’re feeling panicky, take a moment to drink a cool glass of water, and see if that helps you calm down. 8. Learn a New Skill You probably noticed your friends’ lists are full of posts about people taking up baking or gardening or cross-stitching right now.  There’s a good reason for that: Learning a new skill can occupy your brain so thoroughly that it leaves little room for the rumination that can lead to anxiety and stress. Researchers have found that learning a new skill can be a great buffer against workplace stress, and that holds true in our day-to-day life as well.   So if you’ve wanted to learn to play a new instr [...]
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Best Uses of the AmEx Green’s $100 LoungeBuddy Credit

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Best Uses of the AmEx Green’s $100 LoungeBuddy Credit
With a strong welcome offer and a variety of useful benefits, the American Express® Green Card is a travel card worth considering. In addition to other perks, the card offers a $100 LoungeBuddy credit, which can be used to offset the cost of lounge access when purchased on the LoungeBuddy app or website. Terms apply.... Elina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. The article Best Uses of the AmEx Green’s $100 LoungeBuddy Credit originally appeared on NerdWallet. [...]
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This Week in Fintech ending 20 March 2020

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This Week in Fintech ending 20 March 2020
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*HOT* Converse Chuck Taylor All Star Shoes only $14.98 shipped, plus more!

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*HOT* Converse Chuck Taylor All Star Shoes only $14.98 shipped, plus more!
This post may contain affiliate links. Read my disclosure policy here. Love Converse? You can get some great deals right now! Converse is offering an extra 25% off select shoes right now when you use the promo code MARCH25 at checkout! Even better, get free shipping when you create a Converse.com account (free to join). Check out these deals ideas… Converse x Batman Chuck Taylor All Star – $19.97 (regularly $35) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $14.98 shipped after code Archive Flames Infant/Toddler Chuck Taylor All Star – $19.97 (regularly $35) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $14.98 shipped after code Tumbled Leather Chuck Taylor All Star – $25.97 (regularly $45) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $19.48 shipped after code Iridescent Space Star Girls Chuck Taylor All Star – $25.97 (regularly $40) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $19.48 shipped after code Converse Women’s Costa Low Top – $32.97 (regularly $45) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $24.73 shipped after code Mars Unisex Raver Slip Chuck Taylor All Star – $34.97 (regularly $55) Use coupon code MARCH25 (25% off) Shipping is free for Converse account members $26.23 shipped after code Valid through March 23, 2020. Thanks, Hip2Save! [...]
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How to Get Essential Needs Assistance if You’ve Lost Income

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How to Get Essential Needs Assistance if You’ve Lost Income
We talk about the importance of having a well-stocked emergency fund and wiggle room in your budget.  That’s the ideal, but living paycheck to paycheck without a savings cushion is a reality for millions.  Losing income due to layoffs, reduced business or needing to take unpaid days off in the wake of the coronavirus pandemic leaves many unable to meet basic needs like paying rent and putting food on the table. Although there isn’t a lot of centralized assistance available nationwide as of yet, various charities and private companies are stepping up to provide help to those in need.  7 Ways to Get Assistance During the Coronavirus Pandemic Right now, a lot of aid is being provided locally or on a case-by-case basis. We encourage you to follow your local news outlets for information relevant to your city. But here are a few avenues you can turn to for help.  1. The United Way and 211 The United Way’s 211 network is a helpful resource that connects people with health and human services in their area, like finding housing assistance or food banks. You just dial 211 on your phone or visit 211.org. The United Way has developed additional support via its COVID-19 Community Response and Recovery Fund, which will distribute money to communities in need and strengthen the 211 infrastructure.  Chris Preston, vice president of corporate relations at United Way Worldwide, advises people to reach out for help now if they foresee needing assistance. Don’t wait until a bill that you can’t pay is due. Preston said the United Way is actively encouraging its national partners to work with their customers. Of those that have already committed to help, he said Comcast and AT&T are providing heavily discounted internet services, and Truist Financial, a merger of SunTrust and BB&T, is adjusting customers’ payment schedules and offering more cash back for some credit card holders. Click here to find your local United Way. 2. Salvation Army The Salvation Army provides aid to vulnerable populations with services like operating homeless shelters and soup kitchens. A statement from the nonprofit explains it has ramped up support efforts during the coronavirus pandemic as more need is anticipated.  Individual Salvation Army locations are making necessary adjustments, like shifting services online, providing to-go or delivered meals and designing quarantine plans for shelters. Use this search function to find your nearest Salvation Army location.  3. Modest Needs Modest Needs is a nonprofit that provides grants for low-income people in crisis to cover essential expenses like rent, utility bills and medical expenses. The organization is currently processing hundreds of applications for financial support in the wake of the coronavirus pandemic and has also created a fund specifically to help hourly workers who are losing income.  FROM THE SAVE MONEY FORUM Energy saving -- via Arcadia Power or any other similar service? 1/24/19 @ 4:10 PM Saving at the Grocery Store 3/4/20 @ 2:43 PM Emergency fund 3/6/20 @ 2:59 PM Looking For Cell Phone Plans 3/8/20 @ 5:02 PM See more in Save Money or ask a money question 4. School Systems Although school districts are shutting down across the country, some are continuing to provide meals to those qualifying for free and reduced meals. Contact your local school district to see if it’s providing meals and find out where they’re distributing them. 5. Food Pantries Feeding America and its network of food banks nationwide have responded to the coronavirus pandemic with efforts like increased food distributions, additional mobile pantry stops and drive-through pickups, according to its corporate blog.  However, many food pantries across the country are experiencing a shortage of both food donations and volunteers.  6. Utility Companies In response to the coronavirus crisis, various utility companies have announced they won’t shut off service if households are struggling to pay their bills.  If you believe you won’t be able to pay your next water, electricity or gas bill, contact your provider to explain your hardship. Get any agreement for financial assistance in writing rather than accepting a blanket statement that utilities will remain on regardless of payment. Pro Tip These tips for saving money on utilities can help you lower your bills. 7. Family, Friends, Neighbors and Social Networks Everyone may be practicing social distancing right now, but people are still extending their proverbial hands.  The New York Times recently reported about how people are finding assistance on platforms like Twitter and GoFundMe. A CNN article mentioned how the platform Nextdoor has seen a significant uptick in user engagement over the past two weeks.  Sharing your struggles won’t guarantee that someone will be able to help, but you stand a better chance than if you keep yourself in a silo.  Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Adventures in Odyssey: Free 4-Week Trial!

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Adventures in Odyssey: Free 4-Week Trial!
Your kids can currently access Adventures in Odyssey stories for FREE right now! Just sign up for this free trial, no credit card required!! {Psst! Did you see these other FREE 30-day trials for online educational programs right now?!} Free Adventures in Odyssey 4-Week Trial Whoa!! If you’re looking for something fun for kids to do while they’re at home, don’t miss this RARE deal! Adventures in Odyssey is currently offering a FREE 4-week trial – no credit card required! This gives you access to over 900 episodes of their audio dramas! This has been one of my kids’ most-favorite-in-all-the-world things over the years. I’m not even remotely exaggerating when I make the claim that we’ve likely listened to a total of 4,000 to 5,000 HOURS of Adventures in Odyssey episodes at our house over the years. For real. I highly recommend taking advantage of this offer, because it’s super rare to be able to get completely free access to Adventures in Odyssey like this! Go here to sign up for your free trial. [...]
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COVID-19 supplants InsurTech – moving lower on Maslow’s Hierarchy of Business Needs

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COVID-19 supplants InsurTech – moving lower on Maslow’s Hierarchy of Business Needs
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Why M&A will rekindle after Covid-19 crisis

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Why M&A will rekindle after Covid-19 crisis
The post Why M&A will rekindle after Covid-19 crisis appeared first on ONEtoONE Corporate Finance. [...]
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Afternoon Deals: Thursday, March 19

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Afternoon Deals: Thursday, March 19
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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Which Best Western Credit Card Should You Get?

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Which Best Western Credit Card Should You Get?
If you’re looking for a rewards credit card for your daily purchases, a Best Western card likely won’t offer as much point value compared with other cards. Instead, Best Western cardholders can look forward to rewards perks that enhance their travel experience. Aside from an elite status boost, a Best Western rewards credit card can... Jennifer Calonia is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Which Best Western Credit Card Should You Get? originally appeared on NerdWallet. [...]
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Van’s Slip On Sneakers only $34.99 shipped, plus more!

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Van’s Slip On Sneakers only $34.99 shipped, plus more!
This post may contain affiliate links. Read my disclosure policy here. Love Vans? You can get some great deals on Vans sneakers at DSW right now! DSW is offering an extra 30% off their site plus free shipping when you use the promo code MARCH30 at checkout! Check out these deals you can score on Van’s Sneakers… Get these Vans Asher Slip On Sneakers for only $34.99 shipped after the code! Get these Vans Ward Sneakers for just $41.99 shipped after the code! Get these Vans Girls Asher Slip On Sneakers for just $20.99 shipped after the code! Shop all the Vans sneakers here. Thanks, Midwest Money Saving Mommas! [...]
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How to Create a Bare Bones Budget to Ride Out a Crisis

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How to Create a Bare Bones Budget to Ride Out a Crisis
Getting through a tough time often requires making sacrifices — including financial ones. A serious illness, the death of a family member, unexpected emergencies and job loss create precarious situations that force people to change their regular spending habits.  The spread of COVID-19, the disease caused by the new coronavirus, is currently leading people to do just that. You might feel helpless in the midst of a crisis, but there are actionable steps you can take to shift to a bare bones budget and stretch your dollars. 5 Tips for Creating a Bare Bones Budget During a Crisis 1. Cut Out the Nonessentials Paring down your budget means making difficult choices. What you need to cut may not be obvious. You may be so used to coloring your hair that it seems like an essential cost. Or perhaps your kid has been involved in a soccer league for three years and you couldn’t imagine pulling him out for a season. But you have to ask yourself: Is this expense important for my survival? Could I get by without it? A true bare bones budget only includes necessities — things like food, shelter, electricity, water and medical expenses. It should also factor in financial obligations, because defaulting on a student loan or tax bill, for example, could result in garnished wages. The extent of your financial situation will determine how strict you have to be about your budget cuts. Robust savings or passive income streams may allow you to reduce your spending while keeping a few luxuries. 2. Pause Service Contracts and Subscriptions Slashing costs from your budget may seem more trouble than it’s worth if you’re locked in a contract with a hefty cancellation fee. Fortunately, you don’t have to permanently cut some expenses. You may be able to pause, say, your cable and internet service for a certain amount of time rather than canceling. You can restart service later when your financial situation is back on track. Even if you aren’t stuck in a contract, you might have this option. If you’re billed monthly for any type of subscription service, ask your provider if you can temporarily pause payments. 3. Halt Extra Debt Payments Funneling extra money towards debt — whether you’re taking the snowball or avalanche approach — is usually a smart money move. But when you’re in a place of financial uncertainty and you need your money to stretch, consider putting your debt repayment plan on hiatus. Continue to make minimum payments as they come due, but refrain from paying extra for the time being. Consider this a temporary money-saving measure, and go back to making those extra payments when your situation is more stable. Pro Tip Financial hardship may qualify you to switch to an income-driven repayment plan for your student loans — or deferment or forbearance, which will temporarily pause your payments. 4. Reduce Spending on the Necessities Just because an expense is necessary doesn’t mean you can’t find ways to pay less. Save money on groceries by using coupons, eliminating convenience foods and buying store-brand products over name brand.  Cut utility costs by reducing usage. Lower transportation expenses by saving on gas. Try a prescription discount card to find cheaper prices for your medications. Take a magnifying glass to all your essential expenses, and brainstorm how you can shave down your spending. FROM THE BUDGETING FORUM Tell Me About Your Easter Expenses 3/12/20 @ 6:51 AM Meal Ideas for 11 Year Old’s Birthday Party on a Budget 3/9/20 @ 8:23 AM Pay all bills on one day or spread throughout the month?? 2/6/20 @ 12:59 AM Changing my eating habits is changing my finances 1/8/20 @ 9:56 AM See more in Budgeting or ask a money question 5. Ask Creditors, Financial Institutions and Others for Help Several U.S. banks have responded to the coronavirus pandemic by offering financial assistance. Some have waived or lowered fees. Others sent out statements asking customers to contact them for help on a case-by-case basis. When you’re in the midst of a crisis that’s preventing you from making bill payments or putting you in danger of overdrafting on your account, contact your lenders, financial institutions, landlord and service providers to see if they offer any hardship assistance. That could look like a credit limit increase, adjusting your payment schedule, waived fees or more. The United Way’s 211 helpline is a great place to turn if you need help with essential needs, such as housing or food. In the wake of the coronavirus outbreak, 211 is helping individuals across the country who are suffering from lost wages due to business closures, event cancellations and quarantines.  Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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XBRL news for Week Ending Tuesday 17 March 2020

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XBRL news for Week Ending Tuesday 17 March 2020
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*HOT* Up to 60% off Preschool and Educational Toys!

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*HOT* Up to 60% off Preschool and Educational Toys!
This post may contain affiliate links. Read my disclosure policy here. Today only, Amazon is offering up to 60% off preschool and educational toys! Here are some deals you can get… Get this Learning Resources 100 Piece Deluxe Building Set for only $14.45! Get this Learning Resources Botley the Coding Robot Activity Set for only $31.99 shipped! Get this Educational Insights Kanoodle Extreme for just $7.49! Get this Learning Resources Puzzle Globe for only $18.19! Get these Educational Insights GeoSafari Jr. Kidnoculars for only $10.96! Get this Learning Resources Money Bags Coin Value Game for only $10.79! Get this Learning Resources Beaker Creatures Bubbling Volcano Reactor for only $9.59! Shop the entire preschool and educational toys sale here. Valid today only, March 18, 2020, while supplies last. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. [...]
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Easy Ways for Kids to Earn Money

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Easy Ways for Kids to Earn Money
I started searching for my first job when I was 11. I couldn’t wait to start working. The idea of being able to earn money and then decide how I wanted to spend it (or save it) was so exciting. Of course, at age 11, there weren’t a lot of employers willing to hire me ... Read More about Easy Ways for Kids to Earn Money The post Easy Ways for Kids to Earn Money appeared first on Penny Pinchin' Mom. [...]
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How to Get a Business Credit Card

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How to Get a Business Credit Card
Business credit cards can offer some advantages over personal cards, including potentially higher credit limits and sign-up bonuses and more detailed bookkeeping features for tax time. Applying for a business credit card is similar to the process for a personal card, with a twist. Here are some tips on how to get a business credit... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article How to Get a Business Credit Card originally appeared on NerdWallet. [...]
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4 Things We Know So Far About the Coronavirus Tax Extension

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4 Things We Know So Far About the Coronavirus Tax Extension
If you owe taxes for 2019, you just got an extra 90 days to pay up as part of the federal government’s coronavirus relief efforts. Most taxpayers who owe the IRS will now have until July 15 to make their payments, Treasury Secretary Steven Mnuchin said at a press conference Tuesday. During the 90-day window, taxpayers won’t be charged interest or penalties for what they owe from last year. Wondering if you’ll qualify for the extended timeline? You probably will, as the extension applies to individuals who owe up to $1 million and corporations that owe up to $10 million. 4 Things to Know About the 2020 Tax Extension The IRS hasn’t released the full details of the extension, but we’ll update this post as more information becomes available. Here are a few things to keep in mind, though, if you haven’t filed your return. 1. You Still Need to File a Return by April 15 Sorry, procrastinators: Mnuchin only announced an extension to pay your tax bill, but didn’t announce any change to the filing deadline.  So for now, plan on filing your return by April 15, as you would have in a normal (read: pre-coronavirus) year. The July 15 extension will only come into play if you owe money. You can also ask for an extension for filing your return on April 15 — just as you would during any other year — which would allow you to move your filing deadline to Oct. 15. Just know that your taxes will still be due on July 15; they’d normally be due on April 15, even if you filed for the six-month extension. 2. The IRS Is Still Processing Refunds as Usual The average tax refund is $3,012 for 2020, according to the latest IRS stats, and despite coronavirus, refunds are still being processed. So if you’re getting a refund, go ahead and file that tax return, particularly if you’re worried about losing your job or a significant chunk of income. Pro Tip It takes more time to get your refund the longer you wait. That means that if you’re anticipating a refund and you expect you’ll need cash soon, you should file ASAP. 3. Your State Income Taxes Could Be Due Sooner If you live in one of the 43 states with its own income taxes, you’ll need to check with your state about its deadline, because the 90-day extension applies to federal taxes only. Check out the American Institute of Certified Public Accountants’ list of state tax deadlines for the latest information. 4. If You Can’t Afford to Pay in July, You’ll Still Need to File The idea of owing the IRS when you can’t afford to pay may send shivers down your spine, but the situation probably isn’t as bad as you think. If you file your return on time but can’t make the payment, you’ll owe 0.5% per month of your unpaid taxes, up to 25% of what you owe. But if you don’t file a return? The penalty increases 5% per month, up to 25% of the unpaid bill. Should You Take Advantage of the 90-Day Extension? If you can’t afford your tax bill and you’re worried about your job or paying bills as coronavirus havoc continues, it absolutely makes sense to keep the cash in your pocket for as long as possible.  If you’re still experiencing hardship come July, it might even make sense not to pay the full amount you owe and work out a payment plan with the IRS instead. Think about it: If you’re hit with a 0.5% a month penalty, that amounts to 6% per year. That’s a lot less than what you’d likely pay in interest for a credit card or loan. But if paying your tax bill now won’t put your finances in jeopardy, you might as well pay up. Coronavirus or not, if you owe money, the IRS will never forget. Robin Hartill is a senior editor at The Penny Hoarder.   This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Niche Fintech Could Catch The Coronavirus Bug

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Niche Fintech Could Catch The Coronavirus Bug
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CFTC’s Energy and Environmental Markets Advisory Committee to Meet on March 24

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CFTC’s Energy and Environmental Markets Advisory Committee to Meet on March 24
The Commodity Futures Trading Commission’s (CFTC) Energy and Environmental Markets Advisory Committee (EEMAC) announced that it will hold a public meeting at 9:30 a.m. on March 24 at the CFTC’s headquarters in Washington, DC. At the meeting, the EEMAC will consider the CFTC’s proposed rule regarding the establishment of position limits for derivatives contracts that provide for physical delivery. Specifically, the EEMAC will examine the proposed position limits for spot months, single month, and all-months-combined and the proposed bona fide hedging exemptions from such position limits and related procedures. The CFTC’s Market Intelligence Branch will also make a presentation on recent developments in the energy derivatives marketplace. The meeting is open to the public on a first-come, first-served basis, as well as via conference call. More information is available here. For more information on the CFTC’s proposed rule regarding Position Limits for Derivatives, please see the January 31, 2020 edition of Corporate & Financial Weekly Digest. [...]
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5 Ways to Get Social Security Help While Offices Are Closed

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5 Ways to Get Social Security Help While Offices Are Closed
Businesses, retail and restaurant establishments, and other institutions are shuttering their doors in an attempt to arrest the spread of COVID-19, the disease caused by the novel coronavirus. Now, the Social Security Administration (SSA) has joined them. As of Tuesday, all local offices across the country are closed for in-person service until further notice. The SSA notes that the decision is... [...]
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MyGreenFills Discount: 100 loads of Refillable, Non-Toxic Laundry Soap for just $11.90 shipped!

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MyGreenFills Discount: 100 loads of Refillable, Non-Toxic Laundry Soap for just $11.90 shipped!
This post may contain affiliate links. Read my disclosure policy here. If you’re looking for a great price on non-toxic laundry soap, don’t miss this great MyGreenFills deal! {Psst! Looking for more deals on household essentials? Go HERE.} What is MyGreenFills? Are you looking for an affordable non-toxic laundry soap? If so, be sure to check out MyGreenFills — a subscription service for laundry detergent! MyGreenFills sends you one big refillable container of laundry wash initially and then regular refills when you need them. This helps avoid extra plastic use and makes it super easy to get non-toxic laundry soap shipped directly to your doorstep! You can pause, cancel, or change your subscription at any time to meet your family’s needs. And you can choose between their Signature Scent or an Unscented laundry wash. Save on Your First Shipment! If you want to try MyGreenFills at a discount, just shop through this link to get your first 100 loads of non-toxic laundry soap for $11.90 shipped! Here’s what to do: Go here. Click on the orange “Get your free laundry soap” button. Choose the Starter Pack for $14. This includes one MyGreenFills jug and one refill pack. Choose your scent — Signature or Unscented. You’ll get 15% off your purchase, free shipping, and a bonus refill pack of 50 loads. That means you’ll pay just $11.90 for your first 100 loads of laundry wash (jug, initial refill pack, plus bonus refill pack). You typically pay $14 per month for 50 loads, so this is a HUGE savings! Note: After your first discounted month, your MyGreenFills subscription will auto-charge you monthly at the regular price of $14. You can pause, cancel, or change the frequency of your subscription at any time in your account! If you don’t wish to continue after your first discounted month, simply cancel your subscription before the next month’s charge. Go here to get your first 100 loads of laundry soap for just $11.90 shipped! [...]
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How to Teach Kids About Money

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How to Teach Kids About Money
Most parents know the importance of teaching their kids about money. That’s because being able to manage money is a universal life skill adults need in order to survive in this world. The real questions start when faced with how to go about teaching money management in an almost-cashless society, and with many adults having ... Read More about How to Teach Kids About Money The post How to Teach Kids About Money appeared first on Penny Pinchin' Mom. [...]
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FREE Online Education Programs: ABCmouse, ReadingIQ, or Adventure Academy!

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FREE Online Education Programs: ABCmouse, ReadingIQ, or Adventure Academy!
This post may contain affiliate links. Read my disclosure policy here. Looking for some free online educational programs while your kids are at home? Don’t miss these FREE 30-day trials! 1. ReadingIQ ReadingIQ is a recently new online digital library for kids that offers thousands of books for all reading levels. And I can’t sing the praises of this reading app enough! Silas had never been excited about reading until he started using this app last year. This app made him fall in love with reading — something I never thought would be possible after years of his struggle with reading. You can go here to start your free 30-day trial. Or if you’d like to try the program for longer than a month, you can also sign up to get two months for just $5 instead of the free trial! 2. ABCmouse Early Learning Academy This online learning academy specializes in full curriculum for children ages 2-8. This is often one of the top purchased iOS kids education apps! You can go here to start your free 30-day trial. Or if you’d like to try the program for longer than a month, you can also sign up to get two months for just $5 instead of the free trial! 3. Adventure Academy Adventure Academy is a brand new MMO game created specifically for kids in elementary and middle school. It features thousands of enjoyable learning activities that kids can discover on quests through an interactive virtual world. Developed by the top video gaming designers and crafted by a team of curriculum experts, Adventure Academy is a highly engaging and creative platform that focuses on building critical knowledge and skills in language arts, math, social studies, science, and more! Adventure Academy features thousands of educational learning activities, such as videos, reading experiences, games, quizzes, and many other interactive elements— all within the frameworks of U.S. (and international) curriculum standards. It plays a lot like an adventure game (think Zelda!) but within an educational framework. It’s really cool! You can go here to start your free 30-day trial. Or if you’d like to try the program for longer than a month, you can also sign up to get two months for just $5 instead of the free trial! All of these programs can be accessed on a regular computer, tablet, or smart phone. Note: none of these are compatible with Kindles yet. [...]
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Time to check US Consumer debt, delinquencies, and refinancing applications

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Time to check US Consumer debt, delinquencies, and refinancing applications
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Your Last Chance for High CD Rates Is Right Now

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Your Last Chance for High CD Rates Is Right Now
The coronavirus pandemic has upended life around the world, threatening peoples’ health and causing countless disruptions to their daily lives. But if you are able to take the time to reassess your savings strategies, a certificate of deposit can be a solid way to grow your funds right now. Savings account rates are dropping and... Spencer Tierney is a writer at NerdWallet. Email: spencer.tierney@nerdwallet.com. Twitter: @SpencerNerd. The article Your Last Chance for High CD Rates Is Right Now originally appeared on NerdWallet. [...]
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Let Hippo Home Insurance Save You 20% (Plus More Ways to Save)

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Let Hippo Home Insurance Save You 20% (Plus More Ways to Save)
If you own a home, homeowners insurance probably isn’t something you think about regularly. For most, you pay it alongside your mortgage payment, so it’s never really top of mind — just another bill you’ve got to pay. But, when you think about it, it’s probably one of your more expensive bills, with the average American paying an annual premium of $1,211 in 2018, according to the Insurance Information Institute. Here’s the thing, though: You’re probably paying too much for your current policy. When’s the last time you checked prices, anyway? You probably didn’t realize how many discounts are available.  We suggest taking 60 seconds to get a free quote from Hippo Insurance, an online insurance company. It saves users up to 20% on premiums. You can switch your policy at any time, for any reason, and Hippo Insurance will even help you with the paperwork. Plus, your old insurer should issue you a refund. (Check with them first!) Then, see if you can apply even more discounts to your bill by making these simple changes around your house this weekend. No, we’re not talking about installing a new roof (though that can help, too). We’re talking about easy and affordable tweaks: 1. Install Smart Home Devices to Save up to 15% Smart home devices are popular, but most of us consider them unnecessary. Do we really need the thermostat to adjust automatically? Or turn the lights on and off without, you know, just flipping a switch? But there are smart home devices that can actually make your home safer — and save you up to 15% on homeowners insurance. Think: Water-leak detectors, alarm systems and smoke detectors. Before you go out and buy these, you can get a full kit for free when you get home insurance through Hippo Insurance. Each Hippo Insurance policy comes with a free smart-home-device system to help protect your home against fire and water damage.  Hippo will automatically apply the discount to your policy. Easy. 2. Have a Fire Extinguisher on Hand and Save as Much as 5% Did you know you can get homeowners insurance discounts just for having a fire extinguisher in your home? Yup, you can save up to 5% on your Hippo policy. You can buy fire extinguisher at Walmart, Home Depot or even Amazon. We found multi-purpose extinguishers on Amazon for under $40. You should have one easily accessible on every story of your home. Remember: Most home fires start in the kitchen, according to the American Red Cross. And if you’re not sure how to use a fire extinguisher, you can always contact your local fire department for a free training. Don’t Forget to Check Your Savings Once you’re done, pull a new homeowners insurance quote from Hippo Insurance and see how much you were able to save. And, hey, now your home is now much safer! Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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The role of a Business Owner

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The role of a Business Owner
The post The role of a Business Owner appeared first on ONEtoONE Corporate Finance. [...]
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Get a free 30-day trial of the ABCmouse.com Early Learning Academy!

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Get a free 30-day trial of the ABCmouse.com Early Learning Academy!
This post may contain affiliate links. Read my disclosure policy here. ABCmouse.com — an online Early Learning Academy that specializes in full online curriculum for children ages 2 to 8 — is offering a free 30-day trial right now! You’ll need to provide a credit card number to take advantage of the free trial. If you wish to continue with the service after a month, you’ll be billed at $9.95 per month. (Or you can take advantage of their annual subscription option at a discount.) If you do not wish to continue with the service, be sure to cancel your subscription before the free trial is up so that you avoid any charges to your credit card. It’s very easy to cancel at any time by logging in and clicking “my account.” Go here to get started with a 30-day free trial of ABCmouse.com. [...]
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Announcing the Daily Fintech curated news on XBRL

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Announcing the Daily Fintech curated news on XBRL
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Afternoon Deals: Sunday, March 15

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Afternoon Deals: Sunday, March 15
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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Life Update: Pregnancy (week 33), fostering a newborn, Suriname

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Life Update: Pregnancy (week 33), fostering a newborn, Suriname
33 weeks — and I’ve very much officially outgrown this non-maternity sweatshirt! Highlights Well, this was quite the week! As I mentioned yesterday, in addition to all the upheaval, unknowns, and cancellations due to COVID-19, Kathrynne also got stranded in Suriname (I hope to have a good report to share on her situation there soon! It’s looking hopeful that they aren’t going to be stranded for 30 days!), and we started fostering a newborn who was born prematurely and is currently in the NICU. This foster placement is likely a long term placement (as with foster care, that could always change) and baby will likely be in the NICU for another few weeks. So I spent the bulk of the last 5 days at the NICU and will likely be there much of every day until the baby comes home. I’m so thankful for the flexibility of my job and our lifestyle that is allowing me the opportunity to pour into and love on this little one. We are completely smitten and the kids look forward to me coming home every day to share the pictures and videos I take. This is my first experience with time in the NICU and I’m so thankful for the amazing team there who has patiently taught me so much about how to care for a medically fragile child. I’m learning all sorts of new terms, bottle-feeding techniques, what all the beeps and alarms mean, what I need to pay attention to… Each nurse teaches me something new every day. I’m trying to make sure to pace myself, eat healthfully, exercise, stay hydrated, try to get as much sleep as I can, and have downtime each day to hopefully stay well and continue to have a great pregnancy (the hospital won’t even let you in the door as a visitor right now if you’re not super healthy). Notable I’ve spent a lot of time this week sitting in a rocking chair in the NICU rocking two babies — one on my lap and one in my womb. It’s crazy to realize they are both about the same size right now! And it’s also funny because the babe in my belly is constantly kicking the babe on my lap. Also, yes, it’s looking like we’re going to have “twins” at our house in just 6-7 weeks. The kids are beyond ecstatic!! It should be quite the adventure! Feel free to hit me up with all your best advice for having two newborns at the same time! Cravings Milk, cereal, milk, and ice cream. Notice a theme?!? Weight gain: 25 pounds A Few More Peeks Into Our Life This Past Week… I had the privilege of interviewing Becky Keife for my podcast this past week. Her book, No Better Mom for the Job, was one that really blessed me this past year. I can’t wait to share her episode with you on Tuesday. You are going to be so encouraged! Like I said, Kathrynne left for Suriname last Friday morning to go on a special learning/serving/experiencing trip with a teacher and a small group of girls from school. (This picture was taken at a park there.) This is the girl who — just 5 years ago — was scared and completely uncomfortable to be around kids her age. This is the girl who has struggled with so many panic attacks and anxiety. The girl who was incredibly angry with us when we made the decision to put her in school after always homeschooling (she was so fearful of having to be around kids she didn’t know and to be in so many unknown situations all day long). This was the girl who was terrified to get on a plane to South Africa with us just 4 years ago. It’s our heart’s desire to raise self-sufficient adults, not co-dependent children. So over the past 5 years, we’ve slowly pushed her to do a lot of uncomfortable things, because we knew the only way she would grow wings and fly was if we gently nudged her out of the safety of our little nest. We often wondered if we were making the right call and we spent a lot of time crying out to God for wisdom and direction for the next step. God has been so faithful to give us wisdom — even when it’s meant making really hard calls (like quitting homeschooling). We look at her now and see that is was SO worth it — she’s a confident, outgoing 15-year-old with more friends than we can keep track of and a social calendar we struggle to keep up with. A girl who loves Jesus, life, adventure, travel, and people. A girl who excitedly jumped at the chance to go on trip to Suriname (her first international trip without us)! We’re still finding our way in what it looks like to parent teens. And I know we’ve made plenty of missteps. But we continue to just look to the Lord to give us wisdom for each new day, each new situation, each new unknown… and we trust Him to be faithful! Also, watching your kids go on their own adventures, jump out of their comfort zone, stretch themselves, and live courageously is one of the most rewarding things as a parent… even if it involves a lot of our own letting go! How was your week? How are you doing in the middle of so much unknown and unexpected? Let me know in the comments! (And if you are feeling stressed and scared or just going through a rough time right now, leave a comment and let me know. I have lots of extra time to pray for people right now while I’m sitting in a rocker in the NICU!) [...]
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Coronavirus Hotel Cancellation and Change Policies: Updates

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Coronavirus Hotel Cancellation and Change Policies: Updates
As the COVID-19 virus continues to disrupt travel for the foreseeable future, hotel brands have begun offering flexible change and cancellation policies, similar to those offered by airlines. These policies are evolving and expanding by the day, so make sure to check the hotel brand website for the latest information. Nerd Tip: “Free” change policies... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article Coronavirus Hotel Cancellation and Change Policies: Updates originally appeared on NerdWallet. [...]
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How a Spousal IRA Can Help Couples Save for Retirement

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How a Spousal IRA Can Help Couples Save for Retirement
Lots of people have jobs where they don’t earn any income. Think stay-at-home parents.  These people may want to retire someday, but because they don’t have earned income, they don’t have access to traditional retirement savings options like a 401(k) or IRA.  If they’re married, a spousal IRA could be an option.  A spousal IRA gets around income requirements by allowing a working and income-earning spouse to make a contribution in the name of the spouse who earns little or no income. How a Spousal IRA Works There is no special account for a spousal IRA. It’s just a regular or Roth IRA in a spouse’s name.  “The term spousal IRA really doesn’t mean anything other than you are taking the working spouse’s income and using it to contribute to the non-working spouse’s IRA,” said Jeff Pedersen, a Sioux City, Iowa-based certified financial planner and vice president of private wealth management for Baird. “When you open up an account and it’s an IRA, it’s either a traditional IRA or it’s a Roth IRA. It’s not titled a spousal IRA.” Each spouse needs to have their own IRA; they cannot be joint. “All retirement accounts cannot be co-owned,” Pedersen said. “So if a person made one for their spouse, that account is wholly owned separate account, owned by their spouse.” Even though the accounts must be separate, the married couple can share the distributions once they reach retirement age. Spouses can also be beneficiaries on the other’s account.  To contribute to a spousal IRA, a couple must file their taxes as married filing jointly.  “Since you have earned income in order to make that IRA contribution, the only way you can do that is to utilize the working spouse’s income for that contribution,” Pedersen said. “If you’re filing separately, now there is no working spouse’s income because one tax form is going to show zero income.” If you contribute to traditional IRAs and your adjusted gross income is between certain IRS thresholds, the amount of the contribution is tax deductible. For tax years 2019 and 2020, a couple can contribute $12,000 ($6,000 for each person) to IRAs annually if they are younger than age 50. For those 50 or older, the contribution limit is $14,000, or $7,000 each. The working spouse’s income must equal or exceed the total amount of the contributions for both spouses. You cannot contribute more than you earn.  It is possible to make contributions to a spousal IRA up to the April tax filing deadline even if the calendar year is over. Why Contribute to a Spousal IRA? A spousal IRA helps accelerate a couple’s savings for retirement. The amount of money necessary for retirement varies depending on the couple’s lifestyle. “So let’s say for example, you put $6,000 a year away and earn a 6% return on it. After 25 years, you would end up with more than $330,000,” Pedersen explained.   Pedersen said there is only one main drawback to a spousal IRA.  “The biggest drawback is the fact that your $6,000, you no longer have access to spending that as income currently,” Pedersen said. “But as long as it’s something that a person can budget for, there’s really not a drawback to it.” Tiffani Sherman is a Florida-based freelance reporter with more than 25 years of experience writing about finance, health, travel and other topics. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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We spent $71.40 on groceries this week (+ what a wild & crazy week!)

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We spent $71.40 on groceries this week (+ what a wild & crazy week!)
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. Whew! What a wild week it’s been! In addition to everything surrounding COVID-19… school cancellations, church cancellations, sports cancellations, my parents cancelling their trip to come see us, Kathrynne being in Suriname while all this was going down*, and just figuring out how to navigate life in the middle of all of the unknown, we’ve also personally had some pretty HUGE things happen at our house this week… namely, we said yes to fostering a newborn who was born prematurely and is currently in the NICU. So, much of our week was spent at the NICU loving on this little baby and meeting with the social worker/DCS/the medical team and learning how to care for a medically fragile baby. I had never stepped foot in the NICU up until 4 days ago, so it’s been a whole new experience. And of all of the weeks, this was probably one of the most unique and weird weeks to be spending a lot of time at a hospital!! (They have a screening process just to get in the door and then to get in the NICU is a whole other level!) The nurses and staff and social worker and DCS have all been amazing throughout this process and they have taught me so much and walked alongside us so well through this new territory. Also, we are so thrilled that the baby is doing so well, has started to bottle feed a little this week, and maybe get to come home in a few weeks! (And yes, in case you’re wondering, this means that we’re planning to have two newborns at our house soon!! The kids could not be more excited!! Of course, this is foster care, so things could always change at any time… we’re just taking one day at a time and seeking to love well in this.) If you want to follow along with this journey, I’m sharing little peeks on my Instagram stories every day. *As of last night, Kathrynne is currently stranded in Suriname because they closed the borders just hours before she was supposed to fly back home today! Her school is working hard to get this situation resolved ASAP and get the girls back home. In the mean time, she has such a good attitude about it all. You can read more details here. Okay, enough of an update! Let’s talk about groceries! We checked our stockpile and realized it was lacking in a few areas, so we shored up those areas so that we have a 30-day supply on hand — even though not everything was on sale this week. I’m grateful that we did this earlier in the week, because our stores are pretty sold out of a lot of staple items now. Jesse ran by Kroger on Monday to pick up a few things we needed: Kroger Shopping Trip #1 Potatoes — $2.49 Milk — $2.99 Cheese — $2.29 4 yogurts — marked down to $0.39 each Total with tax: $9.91 And then he ran by Aldi later on in the week to get a few more staple items: Aldi Shopping Trip 10-lb. potatoes — $3.79 Eggs — $0.58 Black Beans — $2.45 4 boxes Mac & Cheese — $0.33 each Steel Cut Oats —  $2.99 Great Northern Beans — $1.69 Milk — $2.49 Total with tax: $16.07 (The bag of sugar had a small hole in it, so they gave it to Jesse for free!!) Psst! Have you checked out my post on my 25 Favorite Things to Buy at Aldi? I’m glad we got potatoes, because our store was completely sold out of them by Friday! (Who knew potatoes would be the big thing to stock up on?? That one surprised me!) Kroger had some three-day sales that I wanted to try to take advantage of. I wasn’t sure whether they would have these items in stock when I went by on Friday night, but they did! In thinking of making sure we have a 30-day supply of food and household items, I made sure we had enough on hand to make 30 dinners with our freezer and pantry items. I always love to have a few frozen pizzas on hand — especially for a quick dinner on busy nights or if the kids have friends over at the last minute! Yay for them being on sale for just $3.14! Kroger Shopping Trip #2: 2 Kroger Pizzas — $3.14 each with the three-day sale 2 bags of rice — $1.99 each 5 packages Kroger cheese — $1.29 each with the three-day sale Eggs — $1.19 3 packages strawberries — $1.67 each 2 bunches bananas — $2.71 total 5 packages Nathan Beef Franks — $1.99 each with the three-day sale Milk — $2.99 Apples — $3.99 Total with tax: $45.42 Our Menu Plan This Week Note: When you see the meals below, please remember this: I buy ahead often. Which means that when I find a great deal on something I know we’ll use, I buy as much as I can afford in our budget to have on hand. This means that you aren’t going to see all of the groceries my shopping trip that I used to make all of the meals we ate. Please also remember that I’m putting this out there and it’s not a perfectly balanced menu. This is just really what we ate — and I hope that it encourages you to see the real-ness and lack of perfection here. Breakfasts: Cereal Lunches/Snacks: Leftovers, Salad, Apples/Peanut Butter, Mac & Cheese, Banana Muffins, Danimals, Pumpkin Chocolate Chip Muffins, Cookies, Pears, Yogurt, Random other markdowns/sale items 🙂 Dinners: Sunday — Fend for yourself Monday — Turkey Meatballs, Breaded Eggplant, Salad Tuesday — Rotisserie Chicken, Steamed Veggies, Twice Baked Potatoes Wednesday — Chicken Tetrazinni, Banana Muffins, Veggies Thursday — Meatballs, Apple Crisp Friday — Leftover Meatballs, Leftover Twice Baked Potatoes, Steamed Veggies Saturday — Pumpkin Waffles, Bacon, Strawberries Total spent on groceries: $71.40 Cashback Earned: 75 points from Fetch Rewards and $1 from iBotta [...]
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XBRL news for Week Ending Tuesday 10 March 2020

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XBRL news for Week Ending Tuesday 10 March 2020
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How the Coronavirus Is Changing the Gig Economy

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How the Coronavirus Is Changing the Gig Economy
The new coronavirus is shaking things up in the gig economy. Gig companies and their workers are reacting to the spread of COVID-19 in light of the Centers for Disease Control and Prevention’s guidelines for employers and businesses, which recommend workers stay home when they’re sick or work from home if the company’s tech infrastructure permits. Due to being classified as independent contractors, gig workers typically don’t receive benefits – including sick leave. And because of the very nature of gig services, they can’t simply bring their work home. Over the past week, some well-known gig companies have announced changes to their policies and app features that are aimed at curbing the spread of illnesses — with some companies announcing paid leave under certain conditions. Here’s what’s changing. Delivery Gigs Delivery orders are surging nationwide. Grocery delivery company Instacart has seen a 10-fold increase in recent orders and 20-fold increases in California and Washington, Reuters reported. The company announced a “Leave it at my door” feature to limit interactions between the customer and delivery worker. Postmates and Doordash followed suit. “We know there are always people who, for health and other reasons, might prefer a non-contact delivery experience and we believe this will provide customers with that option,” Postmates said in an announcement of the feature. The bills don’t stop just because you’re ill. Here are six ways to make quick money if you need to take unpaid sick leave. The contactless delivery features are also appealing to some health-conscious ride-share drivers who would rather avoid having customers in their vehicle. For Uber drivers, the transition to food-delivery gigs is pretty seamless. Once workers are approved for the ride-sharing service, they’re eligible to start taking orders on Uber Eats using the same driver app. But there are also unforeseen hiccups. In advice groups on Facebook and Reddit, grocery delivery drivers have been venting frustrations about item shortages at grocery stores, saying that many customers’ orders include items that are out of stock. Freelance Gigs For freelancers, who are best suited for remote work, not a whole lot is changing. Projects may even increase in the short term. Several staffing agencies and freelance platforms, including TopTal and Outsize, told Forbes that freelance business is up. To stay productive, traditional businesses may turn to freelancers as they implement remote work policies and accommodate higher rates of sick leave. Pro Tip Uninsured or underinsured? Try one of these affordable health care options for freelancers (gig workers, too). Professional freelancers are also better in control of their workload and earnings than typical gig workers, and may have better luck negotiating deadlines if they fall ill. But they still don’t get paid sick days and have to foot medical costs themselves. Freelance photographers, however, are particularly vulnerable since the job often requires field work. How many freelance photographers have lost jobs due to the coronavirus? — Kacy Burdette (@KacyBurdette) March 9, 2020 Kacy Burdette, photo editor of Adweek, tweeted to her freelance photography followers, asking how the coronavirus is affecting their gigs. Scores of freelancers replied, reporting lost or delayed contracts – especially international- and event-related gigs – due to travel restrictions and cancelations of major conferences and festivals like SXSW. Ride-Share Gigs Ride-share apps and workers are perhaps most affected by recent developments with the coronavirus. Uber and Lyft encouraged their drivers and passengers to stay home if they contract the coronavirus, a potentially unworkable solution for drivers who can’t afford to go without a week or more of wages. Then, in an unprecedented development among gig companies, both ride-share providers announced that they will offer paid sick leave for quarantined or infected gig workers. “Any driver or delivery person who is diagnosed with COVID-19 or is individually asked to self-isolate by a public health authority will receive financial assistance for up to 14 days while their account is on hold,” Uber said in an announcement. Doordash announced a similar policy shortly afterward. In all three cases, drivers’ accounts are suspended until they recover. Several drivers told The Penny Hoarder they are concerned that the changes in people’s traveling habits will impact their earnings. Drivers who rely on airport fares seem disproportionately affected. Other drivers decried the cancellation of large events, which are usually ripe for picking up fares and increasing their earnings through surge pricing. Many colleges and universities are implementing online classes for the remainder of the semester, further impacting drivers’ income. “Here in New Orleans the mayor just cancelled all events this weekend,” ride-share driver June Erie said. “Drivers are worried about [the cancellation of] even bigger events coming up” such as French Quarter Fest and Jazz Fest. A fearless variety of ride-share drivers see the pandemic as an opportunity to earn more money, as some competing drivers in their area may decide to stay home. Some say the hype is to blame.  “No issues. No fear either. I’m just working as normal,” said Illinois-based ride-share driver Kristin Eiswert. Other drivers are fearful and keep driving nonetheless. Reports and videos depicting drivers in makeshift hazmat suits and bubble-like contraptions that separate them from their passengers are flooding ride-share advice groups. New York Lyft driver seals himself in airtight bubble to protect himself from the Coronavirus https://t.co/oIgHDVA3sa — Daily Mail US (@DailyMail) March 10, 2020 While most drivers share such photos for comic relief, the phenomenon seems to highlight a unique sense of unease for gig workers.  It’s true that the coronavirus may not directly impact their health. The effects on their bottom line are another story. Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, entrepreneurship and unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Is a Sam’s Club Membership Worth It Just for Gas?

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Is a Sam’s Club Membership Worth It Just for Gas?
From chicken drumsticks to paper towels or even a trampoline, you can find just about anything at warehouse clubs like Sam’s. But what if you don’t have any use for a 10-lb bag of sugar or 32 rolls of paper towels? If you drive a lot, a Sam’s Club membership may make sense just based ... Read More about Is a Sam’s Club Membership Worth It Just for Gas? The post Is a Sam’s Club Membership Worth It Just for Gas? appeared first on Penny Pinchin' Mom. [...]
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Flight Deal: 90% Off on Many Frontier Flights

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Flight Deal: 90% Off on Many Frontier Flights
We’ve reached the point where flights are now less expensive than some of the Uber rides to the airport. Discount carrier Frontier Airlines has a massive sale on their already-cheap flights, offering a 90% discount on many nonstop routes if you purchase by March 16, 2020. We did some flight searches through the sale, and... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Flight Deal: 90% Off on Many Frontier Flights originally appeared on NerdWallet. [...]
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Subway: Buy One, Get One Free Footlong Subs!

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Subway: Buy One, Get One Free Footlong Subs!
Here’s a frugal dinner idea at Subway! Through March 18th, Subway is offering Buy One, Get One Free Footlong Subs when you add two subs to your cart online or via the mobile app. No promo code needed. [...]
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This Week in Fintech ending 13 March 2020

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This Week in Fintech ending 13 March 2020