Is My Credit Frozen? What to Do If You’re Not Sure

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Is My Credit Frozen? What to Do If You’re Not Sure
For years, applying for credit has been a cinch, with approvals happening almost instantly. But now, if you’ve heeded expert advice and frozen your credit, there’s a new step: unfreeze your credit. If you apply for a loan or a credit card, forgetting your credit is frozen, your application likely won’t be approved. That’s because... Bev O'Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. The article Is My Credit Frozen? What to Do If You’re Not Sure originally appeared on NerdWallet. [...]
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Life Update: Pregnancy update (week 12), my book stack, & football

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Life Update: Pregnancy update (week 12), my book stack, & football
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 12 weeks! And our big news is that we found out the gender this week!!!* Knowing has made it so much more real to me, even though this whole pregnancy still feels crazy surreal and like a dream. HIGHLIGHTS I think we actually all may have agreed on a name!! It’s very different having older kids who have very strong opinions about these things! Also, the NIPT test came back perfect. And I had a little more energy and a little less nausea this week. NOTABLE I’m pretty sure I’m starting to feel those first few flutters. I didn’t for sure feel movement until 15 weeks with Silas, but I’m almost 99% sure that’s what I’m feeling. Also, my appetite has increased big time — which has been weird and I’m still trying to adjust. I’m usually the type of person who eats when I’m hungry and then eats until I’m satisfied. But right now, I feel hungry almost 90% of the time — even right after eating!! I’m so grateful to have the desire to eat, though, because it definitely has been super hit or miss for the last 6 weeks and most of the time I was just making myself eat so I wouldn’t feel worse because my stomach was empty. It’s so nice to actually *want* to eat much of the time now! CRAVINGS Oh goodness, have the cravings been intense this week. I feel like all I do is talk about and think about food. (This is SO unlike me! My kids keep saying, “Mom, you are so WEIRD when you are pregnant!”) Speaking of weird, yesterday and today I wanted a taco from Taco Bell. Y’all, I can’t remember the last time I’ve even eaten at Taco Bell!! But, thanks to Jesse, I had a taco for dinner AND breakfast (he was smart and just went and got a whole BAG of six tacos last night!!) WEGHT GAIN 4.5 pounds (I usually always gain around 30 lbs. and at the rate I’m going, I don’t think I’m going to have any issue doing that again.) *At this point, we don’t plan to share the gender before the birth. That could always change, but we kept it a family secret last time and it made it so special so we are thinking we’ll likely do that again. In other news, I bought this sweatshirt this week and can’t wait for it to come in the mail! And I was thrilled to once again feel well enough to go to the grocery store for a quick shopping trip! Silas played both baseball and flag football this season. His first playoff game was Friday night and their team won, just barely! So they move on to the next playoff bracket next week. What I’m… Reading right now: I Will Always Write Back and Come Matter Here (My book stack in my room is getting way too high — and then I have three shelves in the library full of books waiting to be read ASAP. I guess it’s a good problem!) Watching right now: Silas, Kaitlynn, and I have been watching The Masked Singer. Listening to right now: I finally came up first in line for Atomic Habits on the Libby app again, so I’ve been listening to the last hour and half of it (that I didn’t get to finish the last time I had it “checked out” on the Libby app). Loving right now: The fact that it was cool enough weather this past week to wear my favorite booties (shown above). In Case You Missed It: 30 Super Easy Ways to Save Money — what would you add to this list?? 30 Quick & Easy Protein Snacks — some of my favorite go-to’s! How to Finally Break Free From Anxiety & Stress — this is one of the most talked about episodes of the podcast I’ve ever shared! It’s SO good! Have you listened to it? How to Save Money on Groceries When You Only Eat Whole Foods — check the comments for lots of additional ideas! [...]
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Derek Peth of ‘Bachelor in Paradise’: It’s OK to Talk About Money with Friends

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Derek Peth of ‘Bachelor in Paradise’: It’s OK to Talk About Money with Friends
Trying to maintain a social life while still paying the bills? That’s easier said than done. Bar tabs, brunches, vacations and birthday celebrations don’t pay down student loans or help you save for a down payment on a home. If you’re not a careful budgeter, your social spending can even put you behind on rent. But that doesn’t mean you have to isolate yourself. Derek Peth, a financial executive who’s most known for stints on “The Bachelorette” and “Bachelor in Paradise,” suggests the opposite. Becoming more financially intimate — sharing your financial situation with your friends or significant other — can strengthen your relationships while protecting your budget. Peth, a senior vice president at the online lender Laurel Road, told The Penny Hoarder it’s time to remove the taboo around talking about money. “Your finances are a part of who you are,” he said. The people you love should be accepting of that, even if it prohibits you from going out and spending money as often as they’d like. Talking about your financial situation, however, doesn’t mean you have to dish out the explicit details of how much you make or how much debt you have to an acquaintance or someone you just started dating. Instead, Peth suggests sharing your goals and limits.  “You can say something like, ‘I’ve got a lot in student loans. I’m really trying to focus on that and my goals right now, and I’m kind of limited on what I can do. Here’s my limits,’” he said. “You don’t necessarily [have to] put numbers behind it, but at least start having the conversation.” While you’re being more open about your money situation, make sure to share your financial wins too. Paying off $10,000 of your student debt is worthy of the type of celebration you’d have if a friend was turning 30, Peth said. “Achieving something like paying off a large amount of debt and then celebrating it in a fun way is something that we should do more of,” he said. When you don’t have as much disposable income as your friends, it can be disappointing to say no to an invite. “FOMO is a real thing,” Peth said. True friends should accept the occasional “no thanks, I can’t make it” reply. If someone is constantly trying to push you outside your financial comfort zone or can’t accept your explanations as to why you can’t afford going out every weekend, Peth said it may be time to re-evaluate the relationship. “You don’t want to be begrudgingly doing something and you also don’t want to — if you’re real friends — be guilt-tripping someone into doing something either,” he said. FROM THE BUDGETING FORUM Have you tried the Zero Based budgeting method? 6/7/19 @ 1:58 PM Money management in general 9/17/19 @ 12:59 PM J Out on sick leave 9/19/19 @ 5:48 PM See more in Budgeting or ask a money question To avoid some of these situations, Peth advises taking the lead and being the one to plan the outing. You can come up with something enjoyable that doesn’t involve spending a bunch of money, like a backyard barbecue or a picnic where everyone chips in and brings a dish. Living in New York, Peth said some of his favorite things to do are hanging with friends on a rooftop or in Central Park, which are very low-cost. When it comes to dating, Peth suggests taking a note from the Bachelor franchise — with adjustments to fit your budget, of course. “There are multiple layers to their big dates,” he said. “Although they’re crazy expensive, you can start out somewhere that’s got nice drinks, grab one there, walk to another place that’s maybe lower cost to get tacos together and just laugh and chat, and then go through a final walk through some park.” Adding layers to a date involves a little more effort than just making reservations at a restaurant. Peth said it shows you value spending time with that person, and the change of scenery helps break up some first-date awkwardness.  “The first time you’re meeting somebody, mix it up a little bit,” he said. 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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Afternoon Deals: Saturday, October 19

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Afternoon Deals: Saturday, October 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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$47 Kroger Shopping Trip

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$47 Kroger Shopping Trip
I had a little more energy and a little less nausea this week (YAY for almost being in the second trimester!!), so I did a bit more of a “real” shopping trip. Full disclosure: We’re still a few weeks away from getting back to our $70 grocery budget and the family is still eating a lot of cereal, snack foods, super quick meals (like scrambled eggs and frozen waffles), and take out. I’m okay with that because we always loosen up our grocery bill and eating out budget during the first trimester of pregnancy. It’s a season and one of the reasons we are so careful and intentional with our finances is so that we can change up the budget categories, if need be. I hope to be back to our $70 grocery budget and menu planning in the next few weeks, just as soon as more energy returns and I feel well enough to be able to do more cooking/planning/grocery shopping. For now, I’m just celebrating the fact that I made it to the store with a small plan and was able to get some good deals on groceries and managed to survive without getting sick! Here’s what we bought: $47 Kroger Shopping Trip 5 boxes of Red Baron pizza — $1.99 each as part of the 3-day deals 4 bags of Kettle Chips — $0.99 each as part of the 3-day deals Simple Truth Greek Yogurt — marked down to $0.49 Grapes — $0.99/lb. — $1.90 30 eggs — marked down to $1.49 1 bag of avocados — marked down to $0.99 5 boxes of Mott’s Fruit Snacks (40-count) — $1.99 each as part of the 3-day deals Yoplait Gogurts — marked down to $0.99 Tropicana OJ — $3 Flour — $1.59 Sugar — $1.59 Milk — $2.99 4 cans of pumpkin — $0.89 each Chocolate chips — $1.99 (I was craving Pumpkin Chocolate Chip Muffins… unfortunately, my stomach quickly decided it did not like them at all. But hey, my family was happy to eat the rest!) Total with tax: $47.19 Cash Back I Earned: 1,025 points from Fetch Rewards + $0.10 from iBotta. Did you find any great deals at the grocery store this week? [...]
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In ‘SIM Swap,’ Criminals Really Have Your Number

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In ‘SIM Swap,’ Criminals Really Have Your Number
If you’re not familiar with SIM swap fraud, prepare to be terrified. This scam, also known as port-out or SIM splitting fraud, allows criminals to hijack your cell phone number. Once they have your number, the bad guys can clean out your financial accounts, confiscate your email, delete your data and take over your social... Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. The article In ‘SIM Swap,’ Criminals Really Have Your Number originally appeared on NerdWallet. [...]
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BoE Mandates Climate risk stress tests, can Fintechs help?

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BoE Mandates Climate risk stress tests, can Fintechs help?
If you were in London over the last couple of weeks, you wouldn’t have missed the activities of the extinction rebellion. While I don’t condone all their actions, they are making a valid point and it is being heard at the highest and the lowest levels. A week ago, I explained to my five year […] The post BoE Mandates Climate risk stress tests, can Fintechs help? appeared first on Daily Fintech. [...]
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How to Make Money Selling eBooks (free online class!)

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How to Make Money Selling eBooks (free online class!)
Have you ever thought about writing and selling an ebook? If you’ve always wondered how people actually make money doing this and if it’s something you could do, too, I want to invite you to next week’s online class I’m co-hosting with best-selling eBook author, Kelly McNelis. She’s going to share how she went from making a mere $100 per year selling eBooks to making over $100,000 per year selling eBooks…all while working less than 10 hours a week! Plus, she’s going to teach you how you can do this, too! You’ll learn how to stand out from the crowd, serve your audience, and sell more eBooks in an authentic way. The Class is Completely FREE! Best of all, this class is completely free! To sign up, just go here and type in your name and email address and you’ll be registered! The class will be Wednesday, October 23, 2019 at 12 p.m. CT/1 p.m. EST. It will be one hour long, with time at the end for you to ask questions! Yes, I want to sign up for the free ebook class! I’m so excited to get to learn from Kelly and be inspired by her story and practical advice and ideas. P.S. Can’t make the class live? Just click her to register and Kelly will send you a link to the replay after the class is finished. photo credit [...]
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This week in Fintech

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This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
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9 of the Hottest Products on Amazon Today

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9 of the Hottest Products on Amazon Today
Whether you’re an impulse shopper or just like to be on top of the latest trends, you need to check out Amazon’s “Movers & Shakers” lists. These are the hottest items on Amazon right now, based on how much their sales rank has jumped compared with 24 hours earlier. According to Amazon: “For example, if a music item has a current sales rank of 10, but was ranked 30... [...]
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5 Things to Know About the Key Cashback Credit Card

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5 Things to Know About the Key Cashback Credit Card
The Key Cashback credit card, issued by KeyBank, has an annual fee of $0 and features an appealing 2% cash back on every purchase, an ongoing flat rate that’s hard to beat. But there are some catches for that high rate: You will earn it only under certain conditions, and if those conditions aren’t met, you’ll... Kimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. The article 5 Things to Know About the Key Cashback Credit Card originally appeared on NerdWallet. [...]
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30 Super Easy Ways to Save Money

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30 Super Easy Ways to Save Money
Want some easy ways to save money? Here are 30 easy ways to save money submitted by my Facebook followers. How many of these do you currently do? 30 Super Easy Ways to Save Money 1. Set up auto deposit to a bank that is hard to access. Susan suggested: “Auto deposit to a bank you don’t have easy access to. I use our local credit union that is only open 9-3. While I’m working.” Rachel says: “This is how I saved enough money to buy my first home outright. Lived on one check and sent the next 2 to a bank I didn’t have easy access too. (I had an account at a credit union 3 hours away so it was definitely a job to get the money out.)” Kim says: “I automatically have money transferred into a savings account before I even see it from my check.” 2. Ask some questions before making a purchase. Kelley says: “I ask myself more than once before making a purchase, ‘Do I really need this and will this make me happier a year from now?’ Pretty much stops me in my tracks most of the time!” 3. Take advantage of free family fun! Lacy suggested: “We like to do outdoors activities and nature adventures as a family instead of dining out and shopping as ‘something to do’ as our family time.” 4. Cook and eat at home. Hope says: “Cooking all our meals at home and making my own coffee drinks is enabling me to stay home.” Moni also said: “Cooking homemade food and eating at home saves us a lot of money. My hubby also saves a ton of money each week bringing lunches and eating breakfast before he goes to work in the morning. Also coffee! Brewing our own saves as much as not getting food out!” 5. Shop at thrift stores. Rachel says: “Shop at salvage stores and thrift stores.” 6. Record every purchase. Shannon says: “Recording every purchase (yes, even things like a vending purchase!) in our budget spreadsheets helps us track categorized expenses and make sure we are staying within budget.” 7. Cancel your catalogs and unsubscribe from emails. Jennifer says: “Limiting my exposure to beautiful things by canceling all the pretty catalogs and email blasts from the same stores is an easy way to save money.” 8. Cut your cable. Rachel says: “Cut off your cable! Wish I had done it months ago!” Laura also said: “We just did this, too! It’s saving us $65/month.” 9. Set a goal. Tammy says: “When I have a goal set (usually travel), I can save money very easily. I have no problem not spending unnecessarily. No goal = I buy things I DO NOT need.” 10. Do it yourself! Rachael says: “Easy ways we save money: Making my own DIY face/skin/cleaning products, canning, freezing, gardening, making our own wine, cutting my daughter’s hair, and doing handmade/homemade Christmas/birthday gifts!” 11. Only buy groceries on sale with coupons. Valeria says: “Only buy groceries when on sale, using coupons and app rebates. Plus, purchase enough to get you to the next sale of that item.” 12. Order groceries online. Edith says: “I save money by ordering groceries online. It keeps me out of the store and eliminates impulse shopping. I make my list at home, do the order, and pick it up outside the store.” 13. Stock up when an item is on sale. Keiva says: “I use coupons with sales to buy more than we need at the time so it’s available to us when it’s not on sale. Also, stock up on sale items. This week, our grocery has Mott’s Apple juice 64oz. for $1. I’ll buy 40. With 6 kids, it goes quickly! They also have Peter Pan PB for $1, so I’ll buy about 20. I’ll be set for the next 6 months!” 14. Get rid of expensive habits. Tiffany says: “Get rid of habits that cost money. I gave up coffee and tea a long time ago. Started saving me $15 to $25 a week. I stopped buying books unless they are $1 or less and just reserve books at a library.” 15. Cut your hair at home. Barbie says: “Doing my husband’s and sons’ haircuts myself. My husband and older son only take about 10 minutes a piece. My younger son takes twice as long because he fidgets. I still figure I save on time by not going to a barber shop, and I save $60-ish every round of haircuts. My boys think going to a barber shop is quite the treat!” 16. Don’t buy it if you don’t need it! Tosha says: “Remembering that just because it’s posted on MSM or another blog doesn’t mean I need to buy it! If I don’t need it and I buy it because it’s on sale, I’ve spent money I didn’t need to spend.” 17. Stay out of Target. Sandra says: “Staying out of Target and buying necessities on Amazon is an easy way to save money.” 18. Don’t shop without a list. Oghma: “I don’t go inside a store until I have a list. Also, don’t shop just one item and then feel like you need to buy other things so the trip is ‘worth it’.” 19. Use a wood burning fireplace. Holly says: “We bought a wood burning fireplace insert to save money. We’ve gotten firewood free but when we’ve bought it, the wood was still 1/3 the price of natural gas. Also, when we had a natural gas outage, we had no power but we still had heat.” 20. Use Rakuten to earn cash back. Michele says: “We save money by using eBates when online shopping (now known as Rakuten). In the years I’ve been using it, I’ve gotten almost $1,000 back. They send you a check every three months. I never order anything without checking to see if the website is on eBates first.” 21. Get a 15-year mortgage instead of a 30-year. Melisa says: “We have a 15-year mortgage instead of a 30-year mortgage. Yes, monthly payment is higher, but not double. Plus, it’s going to save us $112,000 in interest on a $290,000 home.” 22. Use your local library. Patricia says: “We utilize every aspect of our local library. DVDs, audiobooks, reading programs with prizes, free events for kids, game night, kid computer games, online library for ebooks, etc.” 23. Pack food before you leave. Bethany says: “We save money by packing lunch/dinner if we go out, bringing coffee along for the ride, and eating before we leave!” 24. Don’t buy beverages! Robin says: “We don’t drink pop and we don’t buy beverages when we are out and about. Bottled water is also a no-no. I can fill a bottle at home real cheap.” 25. Watch the prices as they are scanned. Beverly says: “I watch the prices as items are scanned in at the register. I save often by catching an accidental higher price being scanned in. Also, 2 main stores I shop at offer a price scan policy. If it scans in wrong, you get one free if it’s under $10. Or, you get $10 off if it’s over $10.” 26. Don’t buy things the same day. Betsy says: “I take pictures of things I like at stores like Target and don’t buy them the same day. Sometimes I do this and then find something similar at the thrift stores.” 27. Plan your menu based upon what you already have. Elizabeth says: “When I’m meal planning, I shop my pantry and freezer first and try to utilize what I have and not let things go to waste.” 28. Don’t shop just to kill time. Andrea says: “Don’t go shopping just to fill time. If I go wandering because I’m bored, I will find things to buy. I’m trying to simplify and save money for adventures instead of ‘stuff’ for my little one and me.” 29. Ditch your clothes dryer. Tricia says: “I save money by hanging all my clothes to dry instead of using a dryer.” 30. Don’t buy it just because you want it. Jennifer says: “I’m learning to be an adult and understand that I don’t HAVE TO buy everything I want.” What are some of yo [...]
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Walgreens: Buy One, Get One Free Coca-Cola e-coupon

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Walgreens: Buy One, Get One Free Coca-Cola e-coupon
Be sure to load this e-coupon for Coca-Cola! Walgreens has a new e-coupon valid for a Buy One, Get One Free Coca-Cola (20 oz)! Valid through October 18, 2019. Thanks, Hip2Save! [...]
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Shop Your Closet to Find 7 Last-Minute Halloween Costumes (For Free!)

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Shop Your Closet to Find 7 Last-Minute Halloween Costumes (For Free!)
Costume parties in and of themselves seem like a great idea. That is, until you realize that you’re about to spend $50+ and countless hours putting together an outfit you’ll wear once before shoving it deep under the bed with the rest of your one-hit-wonder Halloween ensembles. And while I always try to be frugal (because despite my over-the-top holiday enthusiasm, I’m still a Penny Hoarder at heart), I’m also pretty lazy when it comes to Halloween costumes. I always think I’m going to go all out and DIY my costume, but then every year, without fail, I end up running to the store at the last minute and spending a lot of money. There has to be a better way to go about this whole costume business — a way that, ideally, won’t cost any money at all.   7 Last-Minute Halloween Costumes You Can Make at Home If your aim is to wear a completely free (we like free!) costume on Halloween, start with your closet. Chances are you already have a few costume pieces lurking in the dark recesses of your wardrobe. I mean, there’s gotta be a reason you didn’t throw out that Hawaiian print shirt from the summer of ‘92 yet, right?! I started brainstorming and managed to put together seven great options that I could wear to a Halloween costume party — using only things I already owned. 1. Tourist This one might be the easiest costume on this list to pull off. I mean, who among us doesn’t have a pair of shorts, a brightly colored shirt and some tacky socks you can pair with sandals? Slap on a straw hat or visor and some sunglasses and grab a camera or a map and you’re ready to go. A sunscreened nose will only make your costume more realistic (although a little messy). 2. Fortune Teller For this one, you’ll need drapey, flowy clothing, a scarf or headband and lots of stacked jewelry (never enough jewelry). If you’re not totally convinced that your costume is convincing, carry around a prop like a Magic Eight Ball (or a plain glass orb, if you just so happen to have one lying around) and make vague but ominous statements all night about how your friends’ Mondays will go. 3. Minion Overalls were like the parachute pants of 2017: You either own three pairs already, or you’re desperately looking for an excuse to add them to your closet. Add in a yellow shirt (any shade will get the point across), black shoes and gloves and a pair of round glasses or goggles (find an awesome DIY tutorial here), and you’re all set to annoy the living daylights out of everyone at the party. 4. Pinup Girl High-waisted shorts + a button-down shirt + wedges + red lipstick + bandana = perfect pinup girl. Follow a YouTube tutorial like this one to achieve that flawless pinup hair curl (I promise, it’s actually so much easier than it looks), and you’re ready to make old-fashioned gentlemen swoon. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Traveling All 50 States On a Budget 10/9/19 @ 8:40 PM Acorns 8/14/19 @ 6:00 PM See more in Save Money or ask a money question 5. Witch This costume is less classic witch and more witchy-esque. I mean, does anyone just casually own a pointy hat? No matter: Throw on lots of black layers, add some dramatic makeup, frizz up your hair and add some drippy black jewelry and no one will even question your costume (mostly out of fear). Bonus points if you’re willing to carry a broom around all night. 6. Zombie This one doesn’t take a lot of… wait for it… brains to figure out. (I know, I know. I already docked myself three whole funny points.) But seriously, all you need is holey, grungy clothes: ripped jeans, an old work shirt, a plaid button-up and a pair of dirty sneakers. This will either read as zombie or “midnight Taco Bell run” depending on how you accessorize — which is why you can’t skip the makeup. Use dark eyeshadow around your eyes and under your cheeks, rat your hair and add some twigs and leaves and you’re good to go. 7. Greaser This one’s a classic, and honestly if you try to tell me you don’t own a white T-shirt and leggings or jeans, I won’t believe you. Tie a scarf around your neck, slip on a pair of sneakers or wedges, throw a jacket (denim, leather or bomber) over your shoulder and you’re good to go. Bonus: This one makes for an excellent couples costume, too. Trick or Treat! Assuming you own at least a pair of jeans and some dark makeup, I’d say we’ve just about solved your last-minute costume woes. Now you officially have no excuse for not showing up to the party in a costume that could shock Frankenstein’s monster to life. Grace Schweizer is an email content writer at The Penny Hoarder. She’s just trying to figure out if there’s a way to combine all her best costume ideas into one. Is there such a thing as a fortuwitcheaserpinuzombieist? 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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500 Credit Score: Good or Bad?

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500 Credit Score: Good or Bad?
A 500 credit score is considered bad credit. Your credit score determines whether you qualify for financial products, like credit cards and car loans, and what interest rate you might pay. In 2019, 4% of Americans had a score lower than 500, according to credit scoring company FICO. Here’s how a 500 credit score can affect your... Amrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. The article 500 Credit Score: Good or Bad? originally appeared on NerdWallet. [...]
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*HOT Clorox Wipes Deal | $10 Money Maker After Rebate!!

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*HOT Clorox Wipes Deal | $10 Money Maker After Rebate!!
This post may contain affiliate links. Read my disclosure policy here. WHOA! If you’ve been needing to stock up on Clorox Wipes, this is a deal you don’t want to miss! Top Cash Back is offering a $14.65 rebate on any $11 or more Clorox Wipes purchased from Staples, making it FREE! But that’s not all! Right now when you sign up as a new member, you also get a $10 bonus! That means you’ll get back $24.65 when you purchase this slow cooker — which is a $10 money maker deal! Here’s how to get your FREE Clorox Wipes + Bonus $10: 1. Head here for the special Clorox Wipes offer and sign up for a new Top Cash Back account. 2. Spend at least $11 on Clorox Wipes. Select free in-store pickup at your local Staples to avoid shipping costs. 3. Within 21 days, your Top Cash Back account will be credited with $14.65 — so all you’ll pay is tax! Once your account is credited with the $14.65, you’ll immediately see the bonus $10 in your account, too! That means you should get $24.65 cash back total! 4. After you receive the $24.65 payment in your Top Cash Back account, you can choose to transfer it to your bank account or request a Paypal payment. This is for new TopCashBack members only. If you are already a member, you are allowed to sign up another adult in your household. This deal is valid through October 20, 2019 — or while supplies last. [...]
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African fintech migrates to Europe

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African fintech migrates to Europe
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. With less than 4 years of operations under its belt, ambitious African fintech, SME lender Lidya, has announced it will commence its expansion into eastern Europe. The venture backed […] The post African fintech migrates to Europe appeared first on Daily Fintech. [...]
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2 Ways a CPAP Machine Can Make You Sick

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2 Ways a CPAP Machine Can Make You Sick
A CPAP machine is designed to boost your health. But if you aren’t careful, it could have the opposite effect. These machines are often used to treat obstructive sleep apnea, which causes people to periodically stop breathing while they sleep. By pushing air through a tube, into a mask and down your throat, CPAP machines help keep your airway open throughout the night. (CPAP stands for &# [...]
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How to Finally Break Free from Anxiety & Stress

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How to Finally Break Free from Anxiety & Stress
Need some practical encouragement to move past anxiety, stress, and survival mode? Longing for life of more wholeness? Don’t miss this episode with Aundi Kolber! Missed previous episodes of The Crystal Paine show? You can listen to them here. Okay, I know I’ve said this before about other episodes, but I truly think today’s episode was one of my very favorite podcast recordings to date! Maybe it had something to do with the fact that Aundi Kolber is a therapist and I felt like I got a therapy session just by spending an hour with her?! 🙂 Listen in to the episode and you’ll see what I mean. Aundi has a gift of sharing so eloquently and yet also in such a heartfelt manner. She just exudes such peace and calmness, but also such profound wisdom and understanding of how we are wired. In this episode, we not only talk about what’s saving our lives (I had to laugh that she talked about something related to brain science and I talk about leggings!) and the books we’re reading, but then we dive into some deep heart topics. She shares what it means to Try Softer (the title of her new book), the difference between Big T trauma and little t trauma and how we might be experiencing the aftershocks of little t trauma without even realizing it and this might be at the root of our stress, anxiety, and overwhelm. Aundi explains thoroughly how the body processes pain — whether physical or emotional. And she provides very concrete suggestions and ideas for how we can start to take steps toward more healing and wholeness. Whether you feel stressed, anxious, and overwhelmed or whether you know someone who does, this conversation is highly important and one that you do not want to miss. I have thought of it over and over again since we recorded last week and will be taking so many nuggets of truth from it to apply to my everyday life. In This Episode:  [00:25] Welcome back! I am so excited to have Aundi Kolber on the show! [01:06] Aundi shares about a little about her background and family [03:43] Meaningful walks are saving Aundi’s life — and the brain science she shares here is fascinating! And then, to keep things a little more down to earth (!), I talk about my new favorite leggings. [09:25] We discuss our current reads, including one written by a therapist and a novel I finished last week.  [13:08] Why did Aundi write Try Softer? (I loved that she wrote it as a love letter to her younger self!) [17:20] We talk about the stigma surrounding the word “trauma” and why it’s important to understand if you’ve experienced little t trauma. [19:27] How can you tell if you’re holding onto the pain of the past and how does it show up in your life? [23:50] What does it mean to “try softer” and how can we apply this in our every day lives? [27:37] Aundi shares practical first steps for beginning to break free from stress, anxiety, and survival mode — even if you feel so stuck and overwhelmed that you don’t know how to take the first step! Links and Resources: Try Softer by Aundi Kolber Aundi’s Website My New Favorite Leggings Maybe You Should Talk to Someone by Lori Gottlieb (Note: Aundi wrote me a few days after the interview to say that she would give a language warning with this book. She said it didn’t show up until the later parts of the book which she hadn’t read yet when we did this interview.) Boundaries for Your Soul by Allison Cook and Kimberly Miller The Printed Letter Bookshop by Katherine Reay Dear Mr. Knightley by Katherine Reay Aundi on Facebook Aundi on Twitter Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s 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 we’ll include in the show notes of each episode. 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. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
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Lower Your Home Improvement Budget with These Tips to Save at Lowe’s

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Lower Your Home Improvement Budget with These Tips to Save at Lowe’s
Home improvement projects are never as simple as you initially imagine. Each time you run into a problem, need more supplies or have to outsource labor, the price goes up and up. You need all the savings you can get. Before your next visit to Lowe’s, try one of these 18 tips and tricks to save money. How to Save Money at Lowe’s Lowe’s slogan is, “Do it right for less.” Read these savings strategies before you shop. 1. Be aware of the current sales promotions. Lowe’s has a savings section of its website that shares the latest deals. Flip through the weekly sales ad and make sure to check out what’s on clearance. When you’re in the store, keep your eye out for yellow tags that indicate marked-down prices. 2. Download the Lowe’s app. The app, which is available to download for free on Google Play or the App Store, helps shoppers compare prices, check availability, read product reviews, watch DIY videos and more. 3. Sign up to receive Lowe’s emails. You’ll find exclusive offers and sales promotions in your email, plus the weekly ad, DIY tips and sneak peeks of upcoming in-store events. Register for emails by clicking the link at the bottom right side of Lowe’s homepage. You can also sign up for mobile alerts for savings opportunities. 4. Sign up for a MyLowe’s account. You may not benefit from direct savings from your MyLowe’s account, but you’ll be able to keep track of past purchases with this tool. Having that knowledge comes in handy when you’re shopping for replacement tiles or the same shade of paint you bought two years ago. 5. Use the price match guarantee. If you find another retailer selling the same product for less, Lowe’s will match that price. If you’re comparing prices to an online retailer, you must factor in the cost of shipping and handling. Lowe’s also has a price protection policy, which means if there’s a difference between Lowe’s in-store price and online price, you pay the lesser of the two. 6. Take advantage of free shipping and delivery. Lowe’s offers free shipping on qualifying online orders of $45 or more, or you can choose to have it shipped to your nearest store for self pick-up for free. The retailer also offers free delivery and connection for major appliances (like washers and dryers) as long as you’ve purchased new connectors (like your dryer vent) from Lowe’s. 7. Use Lowe’s Advantage credit card to save 5% off everyday purchases. If you buy something over $299, you may be eligible for six months of no-interest financing. There’s also low-interest financing for orders over $2,000. Lowe’s has a payment calculator so credit card holders can figure out their monthly payments. 8. Take advantage of Lowe’s military discount. Active military personnel and retired veterans can save 10% off eligible purchases every day. Another bonus: Lowe’s has special priority parking spaces for vets. 9. Purchase a discounted gift card. Sites like Raise, CardCookie and Gift Card Granny sell Lowe’s gift cards for slightly less than the card’s value — meaning more savings for you. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Traveling All 50 States On a Budget 10/9/19 @ 8:40 PM Acorns 8/14/19 @ 6:00 PM See more in Save Money or ask a money question 10. Check for rebate offers. Visit Lowe’s online rebate center to see if a recent purchase or an item you’re considering buying comes with a rebate. You can submit your rebate online and check the status of when you can expect your money to arrive. 11. Use coupons and promo codes from sites like RetailMeNot, CouponCabin or Groupon. Some store managers may accept coupons from competitors like The Home Depot, but that’s not a company-wide policy. You also might find coupons for Lowe’s in the moving package when you change your address at the post office. 12. Know the right time to shop. You’ll find major sales around Memorial Day, Independence Day, Labor Day, Black Friday and Christmas. Lowe’s also has a big sale in late March or early April called Spring Black Friday. A few times a year, the retailer holds special sidewalk sales where you can find substantial deals. If you’re shopping for a specific item — like tools, a grill or patio furniture — our guide on the best time to buy anything can help. 13. Ask for a lower price for damaged or used goods. Put your haggling skills to use to negotiate deals for a floor model or items that may be slightly damaged or worn. Lowe’s will often discount paint that was returned from another customer or scraps of lumber left over from cutting a piece for someone else. You may also find deals on wilting plants that need a bit of reviving. 14. Exchange dying plants for new ones. Lowe’s has a one-year plant guarantee. You can get a replacement plant if its perennials, shrubs or trees don’t make it through the first year. Just bring in the drooping plant and your receipt for an exchange. 15. Learn DIY skills for free. Check out Lowe’s How-To Library to learn how to tackle small projects so you don’t have to pay a professional for the cost of labor. The store also shares gardening tips if you don’t have room in your budget for a landscaper. You can watch Lowe’s YouTube channel where new DIY videos are regularly posted. 16. Occupy the kids with a free craft project. Children can participate in free crafts projects through Lowe’s Build and Grow program. This program is currently only available at store locations near Charlotte, Nashville and Seattle, but the company plans to expand it nationwide. 17. Buy in bulk. Lowe’s has special deals for contractors who buy materials and supplies in bulk. However, you don’t have to be a licensed professional to benefit. Ask for the bulk-price deal if you’re doing a major home renovation that calls for buying a lot of the same product. 18. Get free design advice. If you need advice for your remodel, get assistance from store technicians at the service desk or use the virtual room designer tool. Bonus Savings Tip: If you’re a Lowe’s employee, you can get up to $2,500 to become certified in a trade (such as carpentry or plumbing) as a part of the company’s Track to the Trades program. 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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Our Halloween Party on a Budget!! #DollarGeneralFinds

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Our Halloween Party on a Budget!!  #DollarGeneralFinds
This is a sponsored post on behalf of Dollar General. All opinions are my own and were not influenced by any parties. Halloween is quickly approaching! I will admit that I am often a last-minute planner when it comes to figuring out costumes for my kids. Well, there was one year where they were a ... Read More about Our Halloween Party on a Budget!! #DollarGeneralFinds The post Our Halloween Party on a Budget!! #DollarGeneralFinds appeared first on Penny Pinchin' Mom. [...]
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5 Things to Know About the Delta Reserve for Business Credit Card

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5 Things to Know About the Delta Reserve for Business Credit Card
Small-business owners who want a new credit card and who are continually flying out of Atlanta, Boston, Cincinnati or other strongholds of Delta Air Lines might shortlist the Delta Reserve for Business Credit Card. Learn More It offers airport lounge access, progress toward elite status and other perks. The card is scheduled to get better —... Gregory Karp is a writer at NerdWallet. Email: gkarp@nerdwallet.com. Twitter: @spendingsmart. The article 5 Things to Know About the Delta Reserve for Business Credit Card originally appeared on NerdWallet. [...]
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Smart Bricks meet Clicks & Voice – the Walmart Way

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Smart Bricks meet Clicks & Voice – the Walmart Way
PHYGITAL E-commerce giant Amazon is a big player in many markets. From e-commerce, cloud, delivery, entertainment, payments, smart home devices, and physical stores. Retail giant Walmart, not included in the FANGs or the GAFAs, as it is a native of another tribe (physical retailers), can actually stand respectfully next to Amazon and other large non-financials […] The post Smart Bricks meet Clicks & Voice – the Walmart Way appeared first on Daily Fintech. [...]
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How to Save Money on Groceries When You Only Eat Whole Foods

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How to Save Money on Groceries When You Only Eat Whole Foods
Is it possible to save money on groceries if you only eat whole foods? In this post, I give some of my best tips and encouragement for how to keep your grocery budget low, even if you only eat whole foods. I have been scouring the internet for easy, budget friendly meals for those on a strict diet. Over a year ago my health was a mess and we figured out my body has a sensitivity to toxins in the environment, particularly from plastic, treated water, and also chemicals used on food. I found I feel so much better when eating whole, organic foods and organic meats. However this shot our grocery budget up to a crazy high amount. We live in a sparsely populated area in the midwest, one stoplight in our whole county. Healthy food is not cheap. I am desperate for ideas on how to have a “beans and rice” budget but not sacrifice the progress I have made in my health. I would love to hear insight on this. Thanks and God bless your journey! -Kristy First off, Kristy, I just want to encourage you to know that you are not alone. I have heard from many other women who are in similar situations. And I’ve also seen many women who have found very creative ways to eat very healthfully on a tight budget. One of my local friends, Cheapskate Cook, is a fantastic resource for how to eat healthfully on a budget. She constantly inspires me with her outside-the-box ideas! I also wanted to share some other strategies and suggestions that might help you in your journey: 1. Have a can do attitude. The first step to lowering your budget is believing that you can. If you think you can’t, you probably won’t be able to. But if you believe you can, you’ll likely be motivated to figure out creative ways to make it happen. When there is a will, there is usually a way. 2.  Cut your budget in other areas. Now, that said, I’m not saying you should be unrealistic or put undue pressure on yourself. Don’t compare yourself to other people or other budgets. Also, realize that getting creative could mean choosing to cut back in other budget categories in order to give you more wiggle room in your grocery budget. For instance, maybe your family choose to drive an older car and not go on vacations and live in a smaller home in order to free up extra money for your grocery budget. Everyone has different priorities and it’s okay if your priorities are very different from another family’s priorities. 3. Buy in bulk. Research all of the local farms in your area to see which ones would be willing to sell to the public. Could you drive an hour or two to buy half a cow and save $1 or $2/lb.? Are there any orchards or farms nearby that would be willing to sell you their produce “seconds” for less? Sure, it might not be as pretty as full-priced product, but they will taste just as good! What about stores that are within a 50-mile radius of your home that might offer organic items and would give you a discount if you were to purchase in bulk? Also,  check to see if Azure Standard delivers in your area. If not, could you start a group so that they will come to your area? 4. Grow your own. One of the best ways to save on produce is to grow your own. If you have kids, make it a family affair. Challenge yourself to see how much of what you usually buy at the store can be grown or made yourself! 5. Look into online options. There are so many great online options nowadays that offer great deals on natural and organic products. Grove.co, Amazon, and Vitacost are a few of my favorite sites. But I’m sure if you start looking, there are many others, too! Tip: Type in the price point you want to pay for items you routinely buy from Amazon.com at CamelCamelCamel.com and they’ll send you an alert when the price goes under that amount! What others ideas do the rest of you have for Kristy? I’d love to hear in the comments! More posts to check out: 10 Ways to Afford Organic Foods on a Tight Budget How to Eat Well on a $40 Grocery Budget Going Vegan on a Budget photo credit [...]
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Up to 60% off DC Shoes for the Family + Free Shipping!

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Up to 60% off DC Shoes for the Family + Free Shipping!
This post may contain affiliate links. Read my disclosure policy here. Need new shoes? You can get up to 60% off DC Shoes plus free shipping right now! Right now, DCShoes.com is offering up to 50% off select sneakers and apparel for the whole family! Plus, you can get an extra 40% off when you use the promo code FALL40 at checkout! Even better, shipping is free for DC Shoes BoardRiders Club members (free to join). Here are some deal ideas… DC Men’s Anvil TX Shoes in Red/Black – $33.99 (regularly $55) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $20.39 shipped after promo code DC Men’s Heathrow Vulc Shoes – $35.99 (regularly $70) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $21.59 shipped after promo code DC Women’s Kalis Lite Shoes in Grey – $45.99 (regularly $75) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $27.59 shipped after promo code DC Women’s E.Tribeka SE Shoes in Metallic Silver – $38.99 (regularly $95) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $23.39 shipped after promo code DC Kids’ Trase TX Shoes in Red – $30.99 (regularly $50) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $18.59 shipped after promo code DC Kids’ Trase V SE Shoes in Pink – $36.99 (regularly $60) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $22.19 shipped after promo code Valid through October 31, 2019. Thanks, Hip2Save! [...]
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How Teachers, Cops, Firefighters and EMTs Can Buy a Home for 50% Off

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How Teachers, Cops, Firefighters and EMTs Can Buy a Home for 50% Off
If you’re a teacher, firefighter, law enforcement officer or EMT, you definitely know a thing or two about hard work. But as challenging as your position is, hopefully you also consider it rewarding: You’re performing an invaluable public service. It turns out, it’s not entirely impossible to put a monetary value on the work you do. Thanks to the HUD Good Neighbor Next Door program, you could receive a 50% discount off the list price of your next home purchase, provided that you and the property meet several requirements. Here’s what you need to know about this one-of-a-kind opportunity. HUD’s Good Neighbor Next Door Program: How Does It Work? Half off the purchase of a home is a big deal, so it’s not surprising that there are some restrictions. Here’s how it works. To qualify for the Good Neighbor Next Door Program, you must be one of the following: A law enforcement officer employed full time by a federal, state, local or tribal government agency. A K-12 teacher employed full time by a state-accredited public or private school serving students who reside in the area where the purchase home is located. A firefighter or emergency medical technician (EMT) employed full time by a fire department or emergency medical services responder unit of the federal, state, local or tribal government serving the area where the home you’re purchasing is located. Once you know that you’re qualified, it’s time to find a qualified home. The property must be a single-family house, condo or townhouse located in one of the program’s designated “revitalization areas,” which are authorized by Congress for the deal based on criteria like level of homeownership, foreclosure rate and householder income. This is where you may be raising your eyebrows, we realize. Exactly what kind of “revitalization” are these areas in need of? In short, is your new home going to be in a place you actually want to live? Anna DeSimone, a long-time industry professional and award-winning housing finance author, suggests consumers save their skepticism. HUD owns “thousands and thousands” of properties, she says, many of which are in very attractive neighborhoods. “You might go and see one house boarded up, but everything else is pristine,” she said.  In other words, while it’s important to check out the property in person and get a professional inspection, this deal can often be a total steal. Eligible homes are owned by HUD and listed for sale exclusively through the program for seven days. You can find them by using this online tool, which works in much the same way other popular real estate search platforms do, displaying photos, details, and the asking price along with the full property address.  Just one thing: Be sure you’re looking in the same geographical location where you’re planning to work, advises DeSimone. Bringing public servants to the area is the whole point of the program — hence the name. FROM THE HOME BUYING FORUM 3rd Kid Coming; Should I buy a bigger home? 10/8/19 @ 8:42 PM 1 to buy or to rent? 9/12/19 @ 7:59 PM O 401k Loan 7/29/19 @ 2:35 PM B Knowledge Is Important When Buying A Home 7/22/19 @ 1:18 PM See more in Home Buying or ask a money question Purchasing a Home Through the Good Neighbor Next Door Program Let’s say you find your dream home available for half off . What comes next? When you purchase a home through the Good Neighbor Next Door program, you’ve got plenty of funding options. You can pay in cash — an often-out-of-reach option the 50% discount may just bring to the table. Otherwise, you can apply for a conventional, FHA loan or VA mortgage, and you can even use down payment assistance funds, as well.  You will, however, be required to put down 1% of the list price as an “earnest money deposit,” which is cash that must come out of pocket. That said, these homes are selling for about $80,000 on average, said DeSimone, so you’re only looking at a cost of about $800 — and no more than $2,000, per the program’s stated rules. (The minimum earnest money deposit for a HUD home is $500.) You’ll also be required to live in the home for three years, and your residency will be confirmed each year by mail. After this three-year period, you’re free to sell the house if you wish, and keep any equity or appreciation you earn in the bargain. One important caveat: As a failsafe for the three-year residency requirement, Good Neighbor Next Door buyers are required to sign a second mortgage in the amount of the discount they receive — which is, in a half-off deal, equivalent to the purchase price of the house. This “silent” second mortgage doesn’t require any payments or accrue any interest, and it’s dissolved so long as you meet the three-year residency requirement. Is the Good Neighbor Next Door Program Worth It? Like any incentive program, the Good Neighbor Next Door program can be immensely helpful for those who qualify… but it’s not for everyone.  That said, there are plenty of other options available to homebuyers of all backgrounds and experience levels.  For instance, many states offer special homebuyer assistance to veterans, target-area buyers and other select demographic groups, often including public servants. (Here’s a great resource to find out what’s available where you live.) And if you’re a first-time buyer, there are even more options out there to help you get set up. (Psst: Here’s a pretty thorough beginner’s guide.) Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.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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Is it time to Decentralize the World?

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Is it time to Decentralize the World?
Is the current state of blockchain development ready to attract a large number of users? For the technology to become mainstream, it needs to be applied in ways that people actually find useful and provide a much better experience than what is already available. Can social media be crypto’s killer app? Decentralized and decentralizing technologies are […] The post Is it time to Decentralize the World? appeared first on Daily Fintech. [...]
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Afternoon Deals: Sunday, October 13

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Afternoon Deals: Sunday, October 13
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 11) & a trip to South Africa & Herndon, VA

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Life Update: Pregnancy (week 11) & a trip to South Africa & Herndon, VA
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. In case you missed last week’s update, check it out here. 11 weeks! I’m so excited to be getting close to the 2nd trimester! This week was a week full of ups and downs. I had some really bad days and two surprisingly decent days where I actually had a few short windows where I didn’t feel nauseous. It was the most incredible feeling and, even though it was short-lived, it was just the encouragement I needed after having a really rough and discouraging week last week nausea-wise. (By the way, it seems that most people have told me that their nausea is always worst in the mornings. For some reason, mine gets progressively worse as the day goes on. By bedtime, it’s at the severe level and often keeps me up for a few hours. I don’t have any explanation for this but it’s how it’s been in all my pregnancies so I guess it just is what it is!) HIGHLIGHTS: I had another doctor’s appointment this week and another ultrasound. Since Jesse and Kathrynne are in South Africa, I took Silas and Kaitlynn with me to the appointment. It was exciting for them to get to see our baby on the screen! Also, my doctor says the baby has grown quite a bit & everything is looking so healthy. NOTABLE: We had the NIPT test done this week. We opted to do it for a variety of reasons, even though it’s not 100% accurate. One exciting side benefit: we should be finding out what we’re having in the next two weeks! We haven’t decided whether we’ll be telling people or not. We didn’t find out with either of the girls but chose to find out with Silas and decided that we preferred finding out to being surprised. However, with Silas, we decided to keep it a secret from everyone, including our extended family. We may or may not do that again. WEIGHT GAIN: A total of 4 pounds so far… which means that I have officially outgrown a lot of my clothes. I ordered a few new tunic tops from Amazon and a few new pairs of leggings. I also went through my closet and pared it down to the looser-fitting tops/bottoms I already own that I can still into comfortably. I’m guessing I’ll be transitioning to maternity clothes sometime in the next 4-6 weeks. (If I remember right, I usually start wearing them around 17-20 week but I feel like my belly has popped faster this pregnancy!) A Peek Into Our Week A number of you have asked for me to post a picture of Quill (our pet hedgehog). He’s doing so well and has grown so big. A Trip to South Africa Jesse and Kathrynne flew to South Africa on Wednesday to visit our friends there and see how things were going with the ministry we support there. (We usually go every year and it’s one of my favorite places ever, but for some reason, I didn’t feel a peace about going this year. It didn’t make any sense at all, but I just felt strongly that I wasn’t supposed to go… little did I know that it was going to be because I was pregnant!) They’ve been sending me pictures of their time there and I am just so happy for them. Jesse said that Kathrynne is having the best time and it warms my mama heart so much to see my girl halfway around the world loving on these kids and teens. While they’ve been gone, we stayed busy back here. I got to interview Aundi Kolber for next week’s podcast episode. I can’t wait for you to listen to this episode; it is fantastic! (Also, we looked like we were dressed for a gender reveal party or something! I didn’t even realize it until I looked at the picture we took together after she left!) I also was so excited one morning to feel well enough to go to Kroger quickly and pick up their Friday-Saturday deals! A Trip to Herdon, VA And then Kaitlynn and Silas flew with me to Herdon, VA for me to speak at the 2:1 conference. (I usually only bring one child with me on speaking engagements, but since they were both on fall break and Jesse and Kathrynne were gone, they both got to come with me!) One of the highlights of the conference was getting to meet Janet Benge, who has co-authored so many of the Christian Heroes Then and Now books. I had to get a picture for my mom. I loved getting to do a breakout workshop about exploding your engagement on Instagram! The attendees were the best and I could have stayed for another hour or two and answered all the questions I didn’t get to answer during the session and at the end! One of my favorite things is getting to help others also fall in love with the power of Instagram. Speaking of which, are you following me on Instagram? If not, you’re missing out as I share lots of behind-the-scenes, money-saving deals, and real-time updates there… many that I never get space to share here on the blog! I also gave the morning keynote sharing how my parents impacted my life and the power of legacy. What I’m… Reading right now: The Only Plane in the Sky (Note: This has a little bit of language in it, but it is a very worthwhile read and I would highly recommend it.) Watching right now: Have you seen the Enneagram Rhapsody? Multiple sent it to me this week and I had to laugh because there was so much truth in it. If you are an Enneagram fan, you’ll probably love it, if you haven’t seen it yet. 🙂 Listening to right now: This week, I’ve been listening to the Serene and Pearl UnShow at night when I have trouble sleeping because of nausea. I love the Trim Healthy Mama podcast and their quirky sense of humor and the way they disagree with one another and tease one another. (A lot of people are annoyed with how they talk over each other on their podcast. I happen to love it — probably because I grew up in a large family and we are always talking over each other and teasing one another mercilessly!) Loving right now: This kimono (I have it on in the photo at the top of this post. It’s perfect to dress up an outfit, so comfortable, and is something I’ve worn multiple times in the last month!) What are YOU reading, watching, listening to, and loving right now? I’d love to hear! In Case You Missed It: Guess what? I actually went to Kroger! Jesse Answers Your Burning Questions 2019 Goals: September Update [...]
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5 Types of Car Insurance Coverage That May Be a Waste of Money

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5 Types of Car Insurance Coverage That May Be a Waste of Money
The cost of owning a car goes well beyond the sticker price at the dealership. There are fuel costs, routine maintenance and, of course, car insurance.  The seemingly endless options for car insurance can be overwhelming, so many drivers end up opting for coverage they don’t actually need. Liability coverage is the most basic form of car insurance and is absolutely necessary. Should you be deemed at fault for an accident, liability coverage will take care of the medical costs for other people injured and costs of repairs for other vehicles — but not yours. Some states require additional types of coverage beyond liability.  However, there are certain types of coverage that you can and potentially should opt out of, depending on the value of your car, your current finances, your health insurance policy and more. So what types of car insurance can you skip?  1. Do I Need Collision Insurance and Comprehensive Coverage? When to Skip Collision insurance covers damage to your car in the event of an accident, whether you were at fault or not.  Comprehensive instead covers damage to your car outside of an accident, like flood damage due to a hurricane, vandalism, theft or fire.  If your car is worth a lot of money, you should absolutely carry these coverages, and if your car is financed, your lender may require you to. But you may be wondering: Do I need collision insurance, especially if my car is old? If your car is old or you paid a small amount of cash for a used car that may only last for a few months, you’d be wasting your money to get collision and comprehensive. “Your reward is diminished greatly once your vehicle has depreciated over the course of time,” said Melanie Musson, insurance writer for CarInsuranceComparison.com. “So, if you’re paying monthly for coverage that’s going to provide you with minimal payment should you total your vehicle, and then you’ll face higher rates after making a claim, it’s just not worth it.” One caveat: Be prepared to pay out of pocket to fix the car or, more likely, to purchase a replacement vehicle. But if your vehicle is only valued at $1,000, it may be better to put money each month into savings for a replacement vehicle than to shell out money for coverage on that low-value vehicle. Chris Tepedino, also of CarInsuranceComparison.com, warns that bundling uninsured motorist and collision is often a mistake.  “Uninsured motorist protects your car if it’s hit by someone who doesn’t have insurance,” he said. “Collision, well, protects your car. Don’t be suckered into thinking you have to buy both. Overlapping generally doesn’t help.” 2. GAP Insurance: It Depends on Your Down Payment Vehicle depreciation can be a major detriment to your finances, especially if you wreck your vehicle shortly after financing it.  Because a car loses about 20% of its value when you drive it off the lot, insurance will only cover 80% of the initial sticker price should you get in an accident on your way home. That means you will be responsible for the other 20%. With the average new vehicle costing $37,401, that could mean you lose out on nearly $7,500. That’s where gap insurance (guaranteed asset protection) comes in, covering the difference between what you paid for a new car and how much your regular insurance is willing to pay for the totaled vehicle. But depending on how much you put down for the car versus how much you financed and how much that car is worth, you might not need gap insurance. “Gap coverage isn’t necessary if you’re able to financially handle the risk of paying the difference between what you owe and what your vehicle is worth when you’re upside down on a vehicle loan,” Musson said. “If you make a 20% or greater down payment, your risk for needing the coverage is greatly lowered, and you may be able to forgo that coverage.” Similarly, you don’t need gap coverage if you’ve paid off your vehicle or if you purchase an old vehicle that won’t depreciate as quickly, Tepedino said. FROM THE INSURANCE FORUM Self Employed Medical Insurance 10/12/19 @ 10:52 AM Car Insurance 9/28/19 @ 7:33 AM Total loss valuation 9/16/19 @ 10:40 AM What happens to my FSA if I leave a job? 8/5/19 @ 9:37 AM I See more in Insurance or ask a money question 3. Rental Car Reimbursement: Probably Not Worth It A luxury option you can add to your policy is rental car reimbursement. If your vehicle is damaged and must be repaired, this coverage gets you a rental car to use while your vehicle is out of commission. However, the cost of paying for this each month would likely exceed the cost of a rental vehicle, unless you crash frequently or need a rental for multiple weeks.  Even then, you may be better off relying on friends and family for temporary transportation, if possible. If you live in a two-vehicle household, consider getting by on one vehicle temporarily instead of opting for this coverage. 4. Roadside Assistance: Check Your Warranty First Similarly, you can opt for roadside assistance for help with jump-starts, flat tires and more serious problems that leave you stranded. However, many new cars come with roadside assistance, often throughout the length of the warranty. “You can skip roadside assistance, as long as you realize you’ll have to pay for a tow out of pocket,” Musson said. “You may even be able to find it cheaper from AAA or a similar service.” If you live paycheck to paycheck, this additional insurance expense is one to avoid. 5. MedPay: Depends on Your Health Insurance Medical payments coverage, also known as MedPay, is an optional coverage that assists with medical expenses after an accident. However, if you have decent health insurance, you can likely skip this coverage. Want to Save Money on Car Insurance? Proceed With Caution The cost of your insurance is proportional to the deductible and coverage limits you choose. The lower your deductible and higher your coverage limits, the more you’ll pay in insurance premiums. “This is a little dangerous, but if someone is wanting to save money, going with lower coverage limits may help,” Tepedino said.  But Tepedino warns that this is a risky way to save money. “The average cost of an accident with property damage alone is $7,500,” he said. “That number obviously jumps with a death or severe injury, so go at your own peril.” Brent Weiss, a certified financial planner and co-founder of Facet Wealth, believes there are some types of coverage you can consider avoiding, but he urges caution when you’re shopping for car insurance. “I am not a fan of simply meeting state minimums,” Weiss said. “It puts too many families at risk of a financial loss they cannot cover. In general, I recommend having liability coverage for bodily injury and personal property, underinsured and uninsured motorists, and collision and comprehensive coverage for most cars. There are some personal injury coverages that may be required, but limits are typically low. The bottom line is that you want to get the right coverage with the right limits and not simply shop for the lowest premium. You often get what you pay for.” Timothy Moore leads a team of editors and graphic designers at a ma [...]
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LEGO Replay Program: Donate Your Used LEGO Bricks!

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LEGO Replay Program: Donate Your Used LEGO Bricks!
If you have use LEGO bricks laying around the house, check out this new LEGO Replay Program — a great way to donate to kids in need! Psst! Love LEGOS? Check out all of our latest LEGO deals! This is SO cool! The LEGO Group has announced a brand new pilot program called LEGO Replay — which allows you to easily donate your used LEGO bricks to children’s non-profits across the country! To donate to the LEGO Replay program, simply place your used LEGO bricks in a cardboard box and go here to print out a free UPS shipping label. Once LEGO receives your donation, they’ll do all the work to get your used LEGO bricks into the hands of kids in need. You can donate LEGO bricks of all sizes, including Duplo, big, and small bricks. And feel free to throw them all in one cardboard box together — no need to sort them! Go here for more information. [...]
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Meet the Nerdlings, NerdWallet’s Interns

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Meet the Nerdlings, NerdWallet’s Interns
This post was written by Kirsten Armstrong, on the People Ops team at NerdWallet. Every summer, NerdWallet welcomes “Nerdlings,” interns from around the country who join us for hands-on experience and career preparation. During their internships, our Nerdlings become integral members of the NerdWallet community, bringing new ideas and fresh perspectives to our work. In turn, we’re...The article Meet the Nerdlings, NerdWallet’s Interns originally appeared on NerdWallet. [...]
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Guess what?!? I actually went to Kroger!

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Guess what?!? I actually went to Kroger!
I can’t believe it,  but I actually made it to Kroger today! And I’m only 11 weeks pregnant! For those of you who are wondering what that has to do with anything, let me explain: I usually have morning, noon, and night sickness in my first trimester and partway into my second trimester. This makes cooking, grocery shopping, or having much of anything to do with food prep entirely impossible because it just makes me too nauseous. So that’s why you haven’t seen any Kroger shopping trips here or menu plans recently. The thought of even considering grocery shopping or menu planning was pretty much completely off limits for my stomach for weeks. Jesse and Kathrynne are in South Africa right now and I was sad that that meant Jesse wouldn’t be able to run to the store to grab the Friday-Saturday deals. But then, this morning, I woke up and felt uncharacteristically not queasy (I had totally forgotten what that was even like!) I decided I just might be able to brave a quick trip to the store. And folks, I did it — and I made it out without getting sick!!! I brought this helper along with me and couldn’t have done it without him. He helped me pick out everything and scanned most of the groceries at the self-checkout. He also decided to see how high he could stack the ice cream and it still stay in the cart while he pushed it! 😉 Here’s what we bought: 5 cartons Kroger ice cream — $1.49 with Friday-Saturday deal 1 bunch marked down bananas —  $0.71 5 Danimals — $0.99 with Friday-Saturday deal 2 boxes Kroger yogurt tubes —  marked down to $0.89 each (I put these in the freezer for the kids to use in their lunches) 4 packages Jell-O cups — $0.99 each (These looked SO good to me for some reason. And then I got home and decided they didn’t look good at all. But the kids were so excited about them, so I don’t think they are going to go to waste!) 1 Hershey’s pudding cups — $2 — I grabbed this not even realizing it wasn’t Jell-O. And didn’t even realize it until I got home. Clearly, I am a little rusty at the shopping thing! 🙂 We can also blame pregnancy brain considering I also left the keys in the car and the car unlocked when I went into the store. And didn’t realize it until I got back out to the car!! Oh goodness. I might need a babysitter! Total with tax: $22.68 I can’t promise that I’ll be bringing back grocery store shopping trip posts on the regular just yet, but I am definitely celebrating that it happened today! [...]
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This week in Fintech

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This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
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8 of My Favorite Things to Buy at Target

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8 of My Favorite Things to Buy at Target
I’ve literally been shopping at Target my entire life. I grew up in Shoreview, Minnesota, and the very first Target ever opened in the neighboring Twin Cities suburb of Roseville in 1962, five years before I was born. Our favorite local store with the red bull’s-eye logo helped launch a discount-store chain that today boasts more than 1,800 stores. I now live in Seattle... [...]
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5 Shrewd Secrets from Women Who’ve Fixed Credit, Paid Debt and Made Fortunes

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5 Shrewd Secrets from Women Who’ve Fixed Credit, Paid Debt and Made Fortunes
Looking for some advice when it comes to managing your money? We have stories from a former Merrill Lynch executive, a mom of nine who overcame a job layoff and a college grad who was able to pay off $100,000 worth of debt — then start her own business. They share their tips and secrets for financial success. You can even start using some of their strategies right now. Secret No. 1: Women Should Invest Differently Than Men Traditional investing companies have never really considered the fact that women statistically get paid less, yet live longer. That’s why Sallie Krawcheck, the former head of Merrill Lynch designed an investing company for women called Ellevest. With Ellevest, you can start investing with as little as $1. Plus, when you sign up through The Penny Hoarder, you’ll get a $25 bonus in your Ellevest account.* When you sign up, Ellevest will build an investing plan just for you and your financial goals. It considers gender pay differences, any potential career breaks and overall lifespan. Even better? It invests your money in women-owned businesses. Thanks to Krawcheck, we can invest exactly for our needs and feel more confident in our financial future. Secret No. 2: Be an Advocate For Yourself (and Your Credit Score) It’s easy to pass your credit score off as some silly three-digit number — that’s what most of us did throughout our early twenties anyways. But what happens when you want to buy a car? Or a house? That seemingly arbitrary number starts to play a huge role in your life. And here’s the unfortunate fact: You can do everything right, but if your credit report has an error (one in five reports do), it could be holding you back — for no good reason. That’s why it’s important to keep an eye on things. Thankfully, a free website called Credit Sesame will give you your credit score for free and help you detect any errors on your report. If you find any, it will even help you dispute them. Salome Buitureria, a working mom in Louisiana, found a major error on her report — a supposed unpaid medical bill that had definitely been covered by Medicaid. Using Credit Sesame, Buitureria fixed the mistake and took additional steps to raise her credit score from 524 to nearly 700.**  Now? She’s focused on buying a home. It only takes about 90 seconds to sign up with Credit Sesame. Secret No. 3: You’re Not Stuck With Your Credit Card Debt Wanna know something? Even if you have loads of credit card debt right now, that doesn’t mean you’ll have it forever. Heck, that doesn’t even mean you’ll have it tomorrow. What? We’re serious. One of our favorite first steps in escaping credit card debt is to refinance it with a personal loan. It might sound counterintuitive — like you’re just moving your debt from your credit cards to a loan — but the truth is, this could lower your monthly payment, save you tons of money in interest over time, and allow you to pay off your debt faster.. If you’re not sure where to start looking, use a website called Fiona. It’ll match you with a low-interest loan (rates start at 3.84%). You can then use that loan to wipe out your credit card debt. Then you’re left with just one bill to pay every month. Pro Tip When shopping personal loans, look for interest rates lower than your credit cards’ and manageable monthly payments. Oh, and don’t take out more than need to pay off your credit cards. Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. We chatted with one San Francisco resident who struggled to keep up with her credit card debt. She faced a minimum monthly payment of $274 plus $154 in monthly interest plus a $99 annual credit card fee. She said it felt like she was on a treadmill. She decided to refinance with a personal loan, which spared her from what would’ve been $14,000 in interest over time. Secret No. 4: You Can Leave Your Kids $1 Million for $5/Month If you have kids, you’ve probably worried about what’ll happen to them if something were to happen to you… For single mom Rebekah Pearsall, this was difficult to consider. “Since my son doesn’t have a biological father in his life, I wanted to make sure he was secure if something were to ever happen to me,” she said. That’s when she started looking into life insurance. Before you start thinking you don’t have the time or money for that, look into policies through a company called Bestow. It offers $1 million policies starting at only $5 a month. Your application shouldn’t take more than about five minutes. You can change or cancel your plan at any time. Plus, the security of knowing your family is taken care of is priceless. Pearsall had seen firsthand the benefits of life insurance; her childhood friend lost his dad and life insurance helped his family make it through that time financially. It takes only a few minutes to get a free quote. Secret No. 5: You Don’t Have to Have an MBA to Start a Business If you dream of starting a business, don’t let the fact that you don’t have a business degree from an Ivy League school hold you back. (Yeah, imposter syndrome is the worst.) We’ve talked to plenty of women who’ve successfully started businesses on their own. Here’s a story that really resonates with our frugal hearts: The Budget Mom. After graduating college, Kumiko Love had $100,000 worth of debt — student loans, credit cards and medical bills. All that good stuff. Still, she had trouble sticking to a budget. So she gave up. Then she started studying the psychology behind money and that gave her a renewed hope: She started viewing her situation through a positive lens. She combined several budgeting tactics and started logging her process through her blog, The Budget Mom. And guess what? Love is now debt free and she recently quit her full-time job to focus on her seven-figure business, The Budget Mom. *The Ellevest The Penny Hoarder promotional offer is valid for the first 1,000 new clients of Ellevest who enter through this designated landing page. Clients who enroll and fund their non-retirement account will receive $25 added to their highest priority goal in their Ellevest account. Clients who enroll and fund their retirement account will receive a $25 Amazon gift card which can be redeemed by visiting www.amazon.com. Please review Amazon.com Gift Card Terms and Conditions prior to redemption. Ellevest is not responsible for lost Amazon Gift Cards. Ellevest’s processing time for depositing $25 into a client’s Ellevest account or delivery of a $25 Amazon gift card may be up to 60 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. 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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Venture Capital in Europe peaks, China falls as investors shun IPOs

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Venture Capital in Europe peaks, China falls as investors shun IPOs
KPMG released their pulse report on global venture capital trends for Q3 2019 yesterday. There were some key highlights from the report worth discussing about. The most pleasantly surprising trend is the increase in VC investments in Europe. Despite Brexit and Germany moving towards a recession, venture and scale up investments in Europe hit a […] The post Venture Capital in Europe peaks, China falls as investors shun IPOs appeared first on Daily Fintech. [...]
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How Much Is Vet School?

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How Much Is Vet School?
The average cost of four years of veterinary school is more than $200,000 for in-state students and $275,000 for out-of-state students, according to the VIN Foundation, a nonprofit that offers veterinarians education and support. Here’s how the most and least expensive vet schools stack up, and a breakdown of options students have for managing the... Ryan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. The article How Much Is Vet School? originally appeared on NerdWallet. [...]
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‘Growth’ valuations for startups- losing its allure?

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‘Growth’ valuations for startups- losing its allure?
Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners. He also serves the insurance and Fintech world as the ‘Insurance Elephant’.  There has built during the past few years an InsurTech chase to ‘unicorn’ status  not uniformly based on NPV, but on growth. Fellow Daily Fintech columnist, Ilias Louis […] The post ‘Growth’ valuations for startups- losing its allure? appeared first on Daily Fintech. [...]
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Own a Home? This One Step Could Get You a $974 Discount on Insurance

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Own a Home? This One Step Could Get You a $974 Discount on Insurance
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Homeowners: What if we said you could save $974 on your homeowners and auto insurance this year? Wait! Before you roll your eyes and mutter “Yeah, right,” hear us out. One of the easiest ways to save on insurance is to bundle your homeowners and auto insurance policies. But before you pick up your phone and call your current provider, we have an easier — and more effective — solution: Use a free online service called Gabi, which will automatically find you the best prices. The Best Way to Bundle Your Insurance (It’s Not What You Think) When it comes to bundling, your first inclination might be to pick up the phone and call your current insurance provider — “Hey, tack on my auto insurance, will ya?” But that’s not always the best approach when it comes to saving money. For starters, when’s the last time you explored your insurance options? You might be able to find a better deal if you switch companies. Instead of calling up dozens of companies — or worse, getting quotes online and subsequently wading through an inbox full of spammy emails — you can get a free quote comparison with Gabi. It takes all of two minutes. We’ll walk you through the process really fast: Head over to Gabi's website. Answer some basic questions about yourself, and connect your insurance accounts or upload a PDF of your policy details. By doing this, Gabi can better understand your coverage and give you a true apples-to-apples comparison — without shorting you on coverage. Explore your options. Find something you like? You can easily buy the new policy directly through Gabi.  Here’s another cool part: If Gabi finds that you can actually save the most money by splitting your homeowners and auto insurance between two companies (not bundling), it’ll let you know. Oh, and if you already have the best price? Gabi will tell you that, too. Then it’ll continue to keep an eye on other options and let you know if something better pops up. Using this strategy, Gabi says it’s saved its users an average of $974 each year on auto and home insurance. Think about it: That could potentially cover your mortgage payment for this month. Go ahead and grab your free quote. You have nothing to lose — except potentially hundreds of dollars to your current insurance providers. 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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Creating a Seasonal Bucket List

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Creating a Seasonal Bucket List
The words “bucket list” usually makes people think of big, one-time things to do before you die such as visiting the Grand Canyon, hiking a mountain or running a marathon. These types of activities might not happen as often, but I’m sure they’re exciting. That’s one approach to accomplishing bucket list ideas. If you want ... Read More about Creating a Seasonal Bucket List The post Creating a Seasonal Bucket List appeared first on Penny Pinchin' Mom. [...]
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Hallmark Cards only $0.50 at Walgreens!

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Hallmark Cards only $0.50 at Walgreens!
If you have a birthday or anniversary coming up, be sure to grab a Hallmark card at Walgreens for only $0.50! You can score Hallmark Cards for only $0.50 at Walgreens this week! Here’s how: Buy 2 Hallmark Cards – $2 each Use the $3/2 Hallmark Cards (min purchase of $3) digital coupon, available to clip to your balance rewards card here (one time use; exp 10/31) $0.50 each after coupon Thanks, Hip2Save! [...]
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The new wisdom in credit ratings for SMEs

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The new wisdom in credit ratings for SMEs
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. Back in 1968, Dr Edward Altman was responsible for a major innovation in the field of credit risk analysis for corporate businesses – the Altman Z-score. While it transformed […] The post The new wisdom in credit ratings for SMEs appeared first on Daily Fintech. [...]
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Men: Need to Clean Out Your Closet? Here’s Where You Can Consign Clothes

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Men: Need to Clean Out Your Closet? Here’s Where You Can Consign Clothes
There are plenty of places for women to make a buck off gently used threads, but ever wonder where men can do the same?  Well, we have a list of places for you. Here’s a list of both online and brick-and-mortar men’s consignment stores that we found. Online Men’s Consignment Stores No physical location, no problem. 1. Grailed Named as a nod to the Holy Grail — i.e., something priceless but hard to find — Grailed bills itself as “a curated community” where “each piece is sourced directly from the closets of like-minded fashion-conscious individuals.” If you’re a luxury wearer, the Grailed marketplace is the place for you.  But even if you’re not, you could sell your items in its other sections, which include streetwear, avant garde, vintage, tech wear and minimalist. Grailed offers PayPal buyer and seller protection, as well as its own appeals process for any disputed PayPal claims. It also offers a unique spin on the eBay bid site model: In addition to setting an asking price and accepting offers from buyers, you also have the option to accept multiple offers at once and ship to whoever pays you first.  Grailed takes a 6% cut of any profits after PayPal fees — by far the lowest commission of any other company on this list. That said, you set the price for your items, which may mean they take longer to sell than they would on a site that sets the price for you. 2. The RealReal As its name implies, The RealReal prides itself on authenticity. While all of the sites on this list forbid replicas and knockoffs of brand-name items, The RealReal takes it one step further by employing trained professionals — from gemologists to apparel experts — to ensure every item it offers is the real thing.  Your item must pass a rigorous inspection before the site will list it.  The more you consign with The RealReal, the more you earn: At the VIP level, you’re selling at least $10,000 a year and you’ll get 70% commission.  At the Icon level, you’re selling $1,501-$9,999 a year and getting 60% commission.  At the Insider level, you’re selling $0-$1,500 a year and getting 55% commission.  Learn more about the rewards program commission rates and item commission rates here.   3. Menswear Market Menswear Market touts itself as taking some of the guesswork (and legwork) out of reselling your items by offering services like photography and inventory management. Menswear Market may sell your pieces on its own website or through its selling account on eBay. Menswear Market offers free item pickup in Minneapolis and St. Paul, Minnesota, or prepaid FedEx shipping for out-of-state sellers. You will receive 50% of the net sale price via a monthly check over your collection’s selling period. 4. Linda’s Stuff Don’t let the name fool you; Linda’s Stuff isn’t just for women’s clothing and accessories. It also has a sizeable men’s section with everything from jeans to shoes to swimwear..  This company strives to sell your luxury items at a price that will net you the most money and interest the most buyers. The team does most of the work itself, from photography, to research, to pricing, to authenticating. The company’s inventory team determines an item’s fair market value based on its age and designer, as well as its style, condition and designer. The company lists items for one year, but if they don’t sell in that time, it is the consignor’s responsibility to initiate the return process. Linda’s Stuff pays sellers monthly and takes a sliding commission based on how much you sell: 20% of sales over $5,000, 25% of sales between $1,000 and $4,999 and 40% of sales under $1,000.  Brick-and-Mortar Men’s Consignment Stores Prefer an in-person experience? Check out these stores. 5. Well Suited From the same people who brought you women’s consignment site My Sister’s Closet and home furnishings consignment site My Sister’s Attic, Well Suited has retail stores in Arizona and California. It also allows shoppers to browse items online and place orders by phone.  You can stop by a store with items you’d like to sell or follow these instructions to ship them to the company. To qualify for resale, your items should meet the “three C’s” My Sister’s Closet originally set forth: Cute (or, one could argue, “handsome” in this case): brand-name designer items, whether classic or trendy, that retail for at least $50 Clean: in like-new, ready-to-wear condition Current: stylish and no more than 4-5 years old You can receive 45% of the item’s sale price in cash or 55% in store credit. 6. Plato’s Closet Plato’s Closet focuses on teen and young adult clothing and accessories — for guys, this means clothing in the 28-40 waist size range in “current styles that are still in the mall.”  Check here to see if there are any locations in your area. If there are, you can stop by with your items and your ID, and a sales associate will review your stuff while you browse the store’s racks. (Plato’s Closet doesn’t have a ship-to-sell option.) Unlike other consignment stores that pay you when your items sell and take a cut as commission, Plato’s Closet buys your items outright and stocks them for resale — so once you receive and accept its quote, you walk out with either cold, hard cash or store credit.  According to consumer reviews, you may only get $2-$5 per accepted item, unless you have high-demand items. But if you’re looking for a quick, easy way to unload your unwanted stuff and get a few bucks, Plato’s Closet is worth checking out. Choosing store credit could get you a little bit more, too. 7. Buffalo Exchange Like Plato’s Closet, Buffalo Exchange buys acceptable items upfront and pays you in cash or store credit. You can either drop your items off at one of its physical locations or send them by prepaid UPS shipping. Buffalo Exchange lists what each location is looking for here, but as a rule, it focuses on “designer items, popular mall brands, athletic war, current trends, everyday staples, vintage, and one-of-a-kind pieces.” You can call ahead to find out what your local store is looking for if you’re selling in person or go here to see its biggest sell-by-mail needs.  Accepted items typically net you 50% of the selling price in store credit or 30% in cash. Kelly Gurnett is a contributor to 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 Complex Post-Trade world of Securities and its API transformation

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The Complex Post-Trade world of Securities and its API transformation
Internal communication and client communication in Securities Services remains a nightmare. This sector is actually a great example of batch processing, lack of cross border interoperability and standardization. In July, BCG consulting and SWIFT published a white paper, looking at APIs in the Security Services industry. Adoption is low but awareness amongst asset managers grew […] The post The Complex Post-Trade world of Securities and its API transformation appeared first on Daily Fintech. [...]
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How Do Bank Loans Work?

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How Do Bank Loans Work?
Bank loans work similarly to personal loans you get from online lenders: After you apply, the bank will review your credit score, history and income to determine how much money to loan you and what annual percentage rate you qualify for. Once you get the loan, you’ll pay it back in monthly installments. Bank loan... Annie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. The article How Do Bank Loans Work? originally appeared on NerdWallet. [...]
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7 Surprising Features That Boost Your Home Value

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7 Surprising Features That Boost Your Home Value
Monkey Business Images / Shutterstock.com There are many ways to increase your home’s value without taking on expensive remodeling projects. In fact, many remodeling projects don’t even pay for themselves, as we detail in “The 5 Worst Home Upgrades for the Money.” So, instead of hiring a contractor, focus on the things you can do yourself — and appreciate the things... [...]
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How To Pay Off Credit Card Debt Faster

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How To Pay Off Credit Card Debt Faster
According to NerdWallet, the average credit card debt for the American Family is nearly $16,000.  That is a considerable amount, and the monthly financial burdens can quickly become overwhelming You may feel as if there is no light at the end of the tunnel as you see no end in site.  How in the world ... Read More about How To Pay Off Credit Card Debt Faster The post How To Pay Off Credit Card Debt Faster appeared first on Penny Pinchin' Mom. [...]
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2019 Goals: September Update

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2019 Goals: September Update
Did you set goals for 2019? Here’s an update on how I did on my 2019 goals in September. It’s October 7, 2019. And it’s time to check in on our goals! How are you doing on the goals you set for 2019? I spent some time today reviewing October and reflecting on the blessings of the past month and the lessons I learned. I also looked at my goals and how I was doing in each area. (If you missed My Goals for 2019 post, read it here.) Note: This month looks very different than my other months. I’m currently in a season of just doing the best I can do and being okay with that. In order to keep myself accountable (and because I know some of you really enjoy these posts) I’m sharing a goals update post at the beginning of each month. I hope that this will not only motivate me to be focused and intentional this year, but I hope it might also inspire you in the goals you set for 2019. So here’s my goals update for September 2019: Personal Goals 1. Read 40 books I already own. (I’m using GoodReads to track my reading this year!) Update: I only finished 1 book in September. Which is mostly due to me being pregnant, having a huge product launch (Monetize Your Blog) and 3 trips in 3 weeks. Plus, the fact that listening to audiobooks made me nauseous and most of the time I might have usually spent reading, I spent sleeping instead (thanks to my first trimester). 2. Slowly read through the New Testament using the She Reads Truth Bible reading plans. Update: I started reading through the Psalms. 3. Listen to 2 audiobooks per month. (I use the Libby app to get these for free.) Update: I finished zero audiobooks in September because listening to them made me sick to my stomach, for some odd reason! (Pregnancy does weird things to you!) 4. Complete all of the Organize in 5 Diary tasks to get our home more organized and set up better organizational systems. (Psst! Did you get yours? It’s just $9 right now.) Update: Confession: I didn’t do this at all in September. (You can see two posts I did on some of my organizing projects in January and February: Cleaning Out the Cookbooks & Organizing My Purse & Bathroom.) 5. Stay offline for 4 hours per day, 5 days per week. (I share more about why I chose this goal here.) Update: I didn’t do a great job of this in September because I spent so much time online working on the course launch. But I DID take every Sunday completely off. 6. Leave my phone in the basement every night. (I talk more about what inspired me to make this goal here.) Update: I didn’t do this at all in September… mostly because I have a really hard time falling asleep at night right now because I have nausea the worst at night, so I often will listen to or watch something on my phone to help me try to pass the time until I feel more tired than I am sick and can fall asleep. 7. Go to bed before 10:30 p.m. 5 days per week. (I’m using this little spreadsheet I made to track most of my personal goals) Update: I was in bed well before 10:30 p.m. almost every night in September. Falling asleep was an entirely different story (see above). But hey, at least I was in bed! 🙂 Marriage Goal 8. Go on an overnight trip with Jesse without the kids. Update: We went on an incredibly fun trip to Destin, FL! Jesse and I drove by ourselves to FL and then we met up with two other couples there. We stayed in an AirBNB and split the cost three ways. Since it was off season, it made for a very inexpensive trip and we had the BEST time! Motherhood Goal 9. One-on-one time with each child at least 3 times per week. (I am planning to dedicate 40 minutes per child after dinner each evening at least three nights per week to hang out and spend time with each child individually.) Update: I did a pretty good job of this in September, but often it was the kids coming and sitting next to me on the bed while I was resting. Family Goal 10. Take the kids to at least two continents and 4 states we haven’t traveled to. (We’re hoping to travel to Europe in the summer and South America at some other point during the year.) Update: We went to Iceland (Europe) in June and also to Minnesota, Wisconsin, Iowa, Utah, Wyoming, Montana, and Idaho. I’m not sure if we’re going to be able to cross another continent off our list this year… I’m still hoping to find a really good deal on flights/travel, but we’ll see. Financial Goals 11. Pay cash to redo our room and renovate our bathroom (we have to pull out the shower and put in a new one because it was installed incorrectly and is leaking and ruining the floor/wall and we want to do a few renovations while we’re at it + we want to finally decorate our room — we left it really bare when we moved in and decided to wait to prioritize it in the budget). Update: We finished the bathroom renovation at the end of July! We still need to work on our room. 12. Pay cash to paint the walls in the main floor of our home. 13. Fully fund our Emergency Fund. Update: This is DONE! YAY! Business Goals 14. Redo/set up a much more intentional customer acquisition experience for all three of our email newsletters. Update: We’ve been hard at work behind the scenes working on this and made some good progress in September. 15. Finish launching the rest of our beginner Your Blogging University courses. (If you want to start a blog, be sure to check out my other site, Your Blogging Mentor.) Update: We launched Monetize Your Blog in September, which was a HUGE accomplishment! (Some of the bloggers from my Mastermind group got together for a one day event in July! It was such an amazing day!) 16. Launch a Blog Coaching/Accountability Group membership. (I’ll be opening this up to a very limited number of people in January of 2019. Stay tuned!) Update: We opened this up to new members in April and I’m just loving leading this! Interested in being the first to find out when we open up to new members again? Be sure to join the waitlist! How are YOU doing on your goals for 2019? I’d love to hear about your successes and struggles. Tell us in the comments! [...]
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Tokenized Venture Capital

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Tokenized Venture Capital
Tokenization has the power to impact the entire VC industry, from the way venture capital is raised, to the way it is invested in startups and projects. In an interview by David Sacks, the former PayPal COO, said: “I think Limited Partner interests are likely to be tokenized, along with most other illiquid assets. Eventually, […] The post Tokenized Venture Capital appeared first on Daily Fintech. [...]
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10 Things I Learned When I Was 37

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10 Things I Learned When I Was 37
In honor of my birthday this past week, I bring you 10 things I learned when I was 37… 1. I am more resilient and stronger than I realized. I faced a lot of fears this past year, including going to India for the first time and getting Delhi Belly all alone in a hotel room for 36 hours — and I survived and am stronger for it! Plus, I went back to India a few months later! Read all about our second India trip here. 2. I love podcasting — especially with Jesse as the co-host! About a year ago, we launched The Crystal Paine Show. I have loved learning this new communication medium and getting to have so many of you on the journey with me! The best part has been getting to do the podcast with Jesse as my co-host. We have a lot of fun putting the shows together each week for you all (and THANK YOU to each and every one of you who tune in and have sent such kind emails and constructive feedback!) (Also, marriage to my best friend just gets better and better!) 3. My 3 older kids might not need me physically like they used to, but they want to spend as much time with me as they can. Regular dates, checking in, just hanging out, being available whenever they want to talk, and stepping into their world are the best ways to foster good communication. (By the way, Jesse and I did a podcast episode on this, but please note that the first 20+ minutes are us recounting our trip to Yellowstone and the Grand Tetons. A few people really complained about the long intro on this episode, so if you just want the part about communication, just skip ahead to 23:41 to listen to us talk about communication with our kids.) 4. The best way to get over your fear of having a car accident is to get in the car and drive again — even though it really scares you. I was in a pretty significant car accident in December and I honestly didn’t want to drive again after it. But I made myself get back in the car and drive the next day… because I knew the longer I waited, the harder it would be. It took me weeks to not feel anxious when I was behind the wheel, but the more I got in the car and drove, the easier it got. 5. Don’t settle for living with pain if the initial doctor’s reports say nothing is wrong. It took going to a specialist and an MRI to discover my hand was broken after the accident. I’m so grateful that after 6 weeks in a cast, it is fully healed! 6. I love opening up our home. 37 was the year I madly fell in love with hospitality — we hosted hundreds of people this past year and it’s been such a joy (something I never dreamed I would say!) Read how I got over my fear of hospitality here. 7. I really love National Parks and now want to visit all of them. I read Dear Bob and Sue earlier this year and it inspired me to want to visit all the U.S. National Parks. Then, we got to visit Yellowstone and Grand Tetons and it confirmed that desire! Now we’re looking for any opportunity to visit another National Park! 8. Jesse and I make a great remodeling team. Okay, not the actual remodeling part, but we had so much fun planning and picking all the colors and details for our first remodeling project — our bathroom! 9. I am passionate about foster care. Getting licensed to be foster parents took up hours and hours and hours of this past year and our journey is only beginning. We can’t wait to see what the future holds as we trust God one step at a time in this. 10. God isn’t limited by doctor’s reports that say “impossible.” Case in point: my 10-week pregnant belly. Also, being pregnant with three older kids instead of being pregnant with a toddler and preschooler (like 10 years ago when I did this the last time!) is a completely different experience! What’s something YOU learned this past year? I’d love to hear. Share it in the comments! [...]
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Getting a Roommate? Here Are 4 Ways to Protect Your Finances

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Getting a Roommate? Here Are 4 Ways to Protect Your Finances
We all have a roommate horror story, right? That roommate who ate all your cereal, the one who borrowed your favorite shirt — without asking — and the one who Never. Washed. One. Plate. That’s the tradeoff though, right? You’ll put up with a few annoyances because having a roommate can substantially cut your living expenses. But what if your roommate stops paying the water bill or moves out halfway through your lease and you’re stuck paying all the bills? Deadbeat roommates can leave you owing hundreds — or thousands — in unpaid bills. And if you’re unaware they’re skipping out on payments and your name is on the lease or utility bill, it could potentially wreck your credit score. While we can’t really help with the irritating roommates (maybe a lock on the cereal box?), we do have ways to split your costs upfront and avoid getting stuck paying more than your fair share. Ways to Ensure Your Roommate Pays Their Share In theory, if you have one roommate, you split everything 50/50. But what if you have the master bedroom — do you pay per square foot? What if your roommate has a dog — does that affect the cut for the security deposit? Putting as much as you can in writing before you move in together will help you both understand the expectations and help preserve the relationship, according to Mark Bauer, a professor at Stetson University College of Law in St. Petersburg, Florida.  Pro Tip If you’re moving in with someone you didn’t know before, ask for references from former roommates and previous landlords. Be prepared to provide the same. “A lot of people think that having a formal agreement, particularly if the person is a friend, is off-putting,” he said. “But a friendly agreement spelling out responsibilities in advance is something that people who trust each other do.” Protecting your finances becomes even more important when you move out because you are no longer there to monitor what’s happening — and whether bills are being paid. We’ve come up with four ways to help protect your finances from the moment you find a roommate right through the day you move out.  1. Ask for Separate Leases If you haven’t signed a lease yet, this could be an opportunity to protect yourself from getting stuck with the entire rent — typically, the biggest shared expense — if your roommate decides to move out early.   That’s important since if you and your roommate sign a lease, you’re each responsible for 50% of the rent. But it also means either one of you is responsible for 100% of the rent — legally known as joint and several liability, Bauer explained. So if your roommate decides to stop paying their share — whether it’s because they moved out or simply stopped sending in their half of the rent — the landlord can come after you for the entire rent. Pro Tip If it’s your first time living with someone, consider signing a month-to-month lease. That way, if you find out you got a bad roommate after a couple months, you’re not stuck there for a whole year. “It doesn’t matter that you’ve been faithfully putting in your 50% every month including when the other person didn’t,” Bauer said. “As far as the landlord is concerned, you were jointly liable.” Instead, request two lease agreements stating that you’re separately liable — it might result in the landlord having some say over your next roommate (since the landlord can choose another tenant to sign a lease with), but at least you won’t be responsible for covering your roommate’s half of the rent.  2. Create a Roommate Agreement Regardless of the lease, creating a roommate agreement can help everyone get on the same page, so to speak, about responsibilities. Considering you’ll probably be dealing with smaller amounts of money, it’s unlikely you’ll recoup your losses if your roommate really didn’t pay the final month’s electric bill, for instance. It doesn’t matter that you’ve been faithfully putting in your 50% every month, including when the other person didn’t. As far as the landlord is concerned, you were jointly liable. “What are you going to do — pay for an attorney to sue?” Bauer said. “It’s just not worth it. “Small claims court doesn’t yield readily-enforceable judgments, so that’s just kicking the can down the road, too.” For most people, simply seeing everything in writing is enough to prevent most issues — without having to go through the hassle (and money) of making it official. “Whether it’s legally binding isn’t relevant — the fact is that you’re more likely to follow rules that you’ve agreed to,” said Bauer.  He noted that spelling out responsibilities in a document “makes it less likely that there’s going to be a dispute that can rise to the level of contract dispute or legal dispute or a judgment from a landlord in the first place.” So what should you include in a roommate agreement? You can include as much detail as you want — who takes out the garbage, when quiet hours are, the number of guests allowed on the premises — but you’ll want to include some basics as far as financial responsibilities are concerned: Basics For any agreement, make sure to include all of the tenants. You can include separate sections for beginning and end dates for each roommate if they move in after the initial lease agreement, but at the very least, you should include the following info: Names of the tenants. Landlord’s contact info. Address of the residence. Beginning and end dates for the lease. Dated signatures. Financial Responsibilities  For each entry, include the amount due (or indicate each tenant must acknowledge receipt of the amount due if it varies monthly), payment due date, payment submission info, percentage each person owes and the responsible party for submitting payment: Security deposit. Rent. Utilities. Additional shared expenses (for example, food, parking or pets) Roommate and/or Lease Obligations Besides the expenses, you can include sections that address rules and regulations in regards to the residence: Responsibility for finding a replacement and notifying the landlord if a tenant moves out before the lease ends.  How to handle maintenance issues, including purchasing common room supplies like paper towels.  Rules for bringing in outside guests or animals. How the security deposit/damage charges should be divided at the conclusion of the lease. 3. Make Sure Anything That Has Your Name on it is Paid There’s a lot to take care of when you’re ready to move: figuring out the fastest commute route to work, reserving that four-hour window for the cable company, begging your friends and family to help you move. You might be tempted to split up some responsibilities with your roommate to save time, but you should be careful that you’re not setting yourself up for potential unwelcome surprises if your roommate relationship goes south. “Usually they split it responsibly: I’ll call the city to get the water taken care of, you deal with the electric company — that’s a problem if things go wrong,” Bauer said. “I would recommend as many roommates as there are, everyone’s name be on everything because there’s just no other way to secure yourself.” FROM THE DEBT FORUM Debt Payoff Strategy Tips? 9/16/19 @ 3:56 PM Parent loans 9/30/19 @ 11:17 AM Sallie Mae Loans 10/2/19 @ 7:33 AM [...]
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Life Update: Pregnancy (week 10), Downton Abbey, Science Fair, and Armadillos

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Life Update: Pregnancy (week 10), Downton Abbey, Science Fair, and Armadillos
This post may contain affiliate links. Read my disclosure policy here. Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. In case you missed last week’s update, check it out here. 10 WEEKS! Double digits and 25% of the way done, people! I was too sick last night to get a picture like I usually do, so here’s one sporting my outfit of the day today. 😉 I decided it was actually perfect to represent my week. Because it was a rough one, nausea-wise and exhaustion-wise. HIGHLIGHTS: Getting to see another ultrasound of our baby on my birthday. (My doctor had me come in for some testing to make sure all was well since I had been feeling so poorly. Our baby has grown so much and is looking so healthy! I still can’t believe that I’m actually pregnant. It’s just surreal!) Also, my second round of labs came back and my hemoglobin hadn’t gone down anymore but had actually gone up a tiny bit — which we were so excited about! It seems that using the cast iron pan and taking a double dose of Slow-Fe with orange juice daily is actually working! NOTABLE THIS WEEK: I have moved multiple clothes from my closet into the storage section because they either don’t fit anymore or are super uncomfortable. I also think I’m mostly going to be living in leggings and workout shorts for the next month or two until I can switch to maternity jeans/pants. CRAVINGS: Cottage cheese and Chick-fil-A honey barbecue sauce (not together!). I also am still usually able to eat Cracker Barrel pancakes (my brother and sister-in-law sent me a box of the mix and it legitimately tastes just like their pancakes!), macaroni & cheese + this week I added in Cream of Wheat and dry cereal. Apparently, this baby likes super bland food that is all the same color! 🤣 I’m still struggling to get enough liquids in (because most of them taste disgusting to me!), but this week I have found that drinking watered down juice or lemonade with ice works some of the time and I’ve also been able to eat/drink chicken broth or popsicles some of the time, too. WEIGHT GAIN: Even though I feel bigger this week and my clothes are fitting differently, I’m still holding steady at 3 pounds gained. How are the rest of you pregnant mamas doing? If you’re expecting, I’d love to hear when you’re due and how you’re doing! In other news, Jesse and I went to see the Downton Abbey movie for my birthday. We were both such big fans of the show so it was fun to see the actors/actresses altogether on screen again. The theater was packed out for a 1 p.m. on Tuesday showing… and Jesse was one of the only guys there. But we didn’t care! We discovered we have at least one armadillo that has been roaming around our house! We have seen him two nights so far this week. I’ve never seen one anywhere near our house so we thought it was cool at first… only to find out they are very destructive and not the kind of rodent you want living near your house! Silas had his last flag football game of the regular season this week. He’s been doing both baseball and football this Fall, so that has kept him quite busy. He also had his Science Fair on Friday. This year, their school made a change that parents weren’t allowed to help and all of the Science Fair work had to be done at school. So I hadn’t even seen any of his project before Friday! I was very proud of how it turned out and what he learned through it. And he did a great job on his presentation. What I’m… Reading right now: Try Softer (Also, my other reading this week was going through ALL 94 resources in the Genius Blogger’s Toolkit. I posted my top picks here and here. This Toolkit is only available until Monday.) Watching right now: World’s Gymnastics Competition Listening to right now: The quiet evening breeze coming from the open window. (It finally cooled down here enough in TN that we can have our windows open at night. It’s amazing!!) Loving right now: Hearing my husband playing and laughing and joking with the kids upstairs. In Case You Missed It: 10 Things I Learned When I Was 37 — In honor of my birthday this week. And wow! It’s been a big year! 8 Ways to Get Books for Free (or Almost-Free!) — Do you love reading but also want to make sure you don’t break your budget with book purchases? New from SmileDirectClub: Straighten Your Teeth While You Sleep — I wish this program had been available when I signed up! How I Got Over My Fear of Public Speaking — Some real honesty in this post here. Maybe you needed it today? 4 Strategies to Survive Stretching Seasons — Sometimes, you just do the best you can do. And that’s enough. We Stopped Buying Paper Towels — Why we stopped buying paper towels and how we live without them. [...]
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This week in Fintech

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This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week, Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
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Can You Transfer Private Student Loans to Federal Loans?

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Can You Transfer Private Student Loans to Federal Loans?
Federal student loans can become private loans via refinancing. But there’s no way to transfer private student loans to federal. Borrowers who refinance federal student loans into private loans cannot undo this move and should understand its risks. Can you combine federal and private student loans? You can combine federal and private student loans, but... Ryan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. The article Can You Transfer Private Student Loans to Federal Loans? originally appeared on NerdWallet. [...]
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7 More Resources I Loved in the Genius Blogger’s Toolkit

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7 More Resources I Loved in the Genius Blogger’s Toolkit
Did you see my post yesterday on 16 resources I loved in the Genius Blogger’s Toolkit? Well, I finished going through the rest of the Toolkit today and I picked out even more that I love! What is the Genius Blogger’s Toolkit? The Genius Blogger’s Toolkit is only offered for 6 days once a year (though they usually have a 2-day flash sale, too!). It is an opportunity to get a huge bundle of some of the BEST blogging resources around at a CRAZY discount. It’s all-new this year with a completely different line-up of resources on every topic you can think of related to blogging. And it’s once again packed with some of the most top-notch blogging courses, ebooks, and programs. What’s the Catch? Yes, you can get thousands of dollars worth of resources for one tiny but terrific price. But, the catch is that it’s only available through Monday, October 7, 2019. After that, it goes away and if you want to buy the resources, you’ll have to buy them individually — and likely at full price! But I Don’t Think I’ll Use All of the Resources Trust me, NO ONE should be trying to go through and use all of the resources in this Toolkit. That would be pretty near impossible to do — if you actually wanted to have time to run your business, too! 🙂 Instead, I encourage you to look at the list of resources that are in this Toolkit and see if there are some that look like they would be really valuable to you. If so, is the price of them worth more than the price of the bundle? Also, do you have the time to go through them? If the answer is yes to both of these two questions, I definitely recommend investing in the Toolkit. I’m Going Through All the Resources for You! Okay, so I know I said that no one should go through all of the resources and try to use them. BUT, I did personally go through all of them for you. No, I didn’t read every word or watch every video, but I spent hours yesterday and today skimming through all 94 different resources in order to tell you about which ones are my favorites and those I think are most worth going through. If you missed yesterday’s post, here are 16 of my favorite resources in the Genius Blogger’s Toolkit. 7 More Resources I Loved in the Genius Blogger’s Toolkit I finished going through the rest of the ebooks and courses and programs today that I didn’t get to yesterday and I picked 7 more that I really highly recommend: The Blogger’s Simple Guide to Taxes — I highly recommend this ebook for everyone if you are starting a blog and planning to earn any money at all from it (or even if you’re not planning to earn money from it!) It gives you can overview of all of the basics you need to know when it comes to deductions, filing your taxes, and what you need to report. The Authentic Blog Project — “Don’t show up for your audience in hopes of being accepted by them. Instead, show up because you are happy with yourself and you are perfectly happy to be seen as you are.” I loved this quote in this ebook! While very different from many of the resources in the bundle, I thought it was so invaluable and well worth reading. Smart Email List Building — If you’ve been wanting to start an email list, this course will walk you through all of the basics you need to know. I thought the videos were a little bland, but the content was solid and worthwhile. ROI Action Plan: Where to Focus Your Time to Make the Most Money When You Have Limited Time — I loved Caroline’s honesty and enthusiasm in this course + her very practical advice on what you should be focusing on as a blogger. Sales Page Starter Kit — If you are planning to launch any type of product in the near future, this is a helpful and short course on how to put together a winning sales page. It gives you lots of practical suggestions for how to write copy and headlines for your sales page that will convert to buyers. WordPress 5.0 Masterclass — This is a very comprehensive overview of WordPress 5.0 and Gutenberg. If you’ve been scared of switching over to Gutenberg, this thorough course will help you feel much more comfortable with using it. Plus, you’ll learn lots of tricks and tips for making the most of WordPress. YouTube Takeoff — Thinking of starting a YouTube channel? This well done course walks you through everything you need to know to set up and launch your YouTube channel successfully. Remember, the Genius Blogger’s Toolkit is only available until Monday. After that, it goes away and you’ll have to pay full price for each of the courses individually. Don’t miss out! Click here to purchase it while you can! [...]
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Uber’s New App Matches Service-Industry Workers With Local Businesses

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Uber’s New App Matches Service-Industry  Workers With Local Businesses
Uber is adding to the ways gig workers can find on-demand jobs. The company launched a new app Friday called Uber Works. Currently available only in Chicago, it connects people with local, temporary gigs. The company also debuted Works.co, a new website ahead of the app’s release. The new platform was announced in a blog post Wednesday. “We believe that finding work shouldn’t have to be a job in itself. For positions as diverse as being a prep cook, warehouse worker, a commercial cleaner or event staff, Uber Works aims to make it easier to find and claim a shift,” the company said in the announcement. Uber tested the staffing platform in Los Angeles last year before moving operations to Chicago for the launch. The new staffing services come as a deviation from the company’s heavy focus on transportation. How Does Uber Works Work? Local gig seekers can download the app on Android and iOS devices to find shifts from a variety of businesses in the area. Users must be 18 or older. “Uber Works app users can get detailed information about shifts they’re interested in, including information about gross pay, work location and skills, or required attire,” the company said in an announcement. “Uber Works also serves as a one-stop shop for all time-tracking needs, allowing users to clock in and out and log breaks.” Gigs are provided by local businesses, not by Uber Works itself, and are primarily related to food services, event setup, general labor and cleaning. In the announcement, Uber said that it won’t directly hire workers. Instead, Uber Works relies on staffing-agency partners to employ workers and handle their pay and benefits. After downloading the app and setting up an account, users can create their own schedule and search gigs from nearby businesses within that time frame. The app’s terms and conditions outline a disciplinary system based on “marks” for tardiness or absences after a worker accepts a job. Two marks are applied for every 15 minutes a worker is late. Six marks are applied for a no-show. Workers who incur 10 marks over a 30-day period are banned from the app. FROM THE MAKE MONEY FORUM Making $$$ from home 10/2/19 @ 5:18 PM work at home 4/3/19 @ 9:26 PM business development 10/1/19 @ 10:27 PM T FlexJobs 9/27/19 @ 5:43 PM s See more in Make Money or ask a money question While Uber Works services are different than many other popular freelance platforms like Upwork and Freelancer, the concept isn’t novel. Chicago-based digital staffing agency Shiftgig was founded in 2012, and it offers essentially the same services across multiple states. Uber has been experimenting with several new services in recent years — including a foray into e-scooters, public transit and now on-demand staffing — in a bid to reach profitability surrounding its IPO in May. In August, the company reported a record $5.2 billion loss in its second-quarter results. In recent months, Uber has laid off more than 800 employees. Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. 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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Over 50? The IRS Wants to Boost Your Retirement

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Over 50? The IRS Wants to Boost Your Retirement
Turning 50 opens the door to some special privileges. Retailers offer price breaks, restaurants serve up discounted fare and hotels welcome you with cheaper room rates. Uncle Sam also salutes older Americans by offering special tax breaks to workers 50 and older who are trying to save for retirement. Yet, millions of people are unaware of this unique opportunity to save more. It's not the usual... [...]
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Corda powered SWIFT GPI Link could be a game-changer in global trade finance

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Corda powered SWIFT GPI Link could be a game-changer in global trade finance
In September, SWIFT – the inter-bank messaging firm, announced the successful proof of concept (PoC) of the “GPI Link” platform in collaboration with R3. The SWIFT Global Payments Innovation (GPI) platform has previously trialled Hyperledger without much luck.  However, with R3’s growing network of corporates, the pilot seems to have gone better. The pilot also […] The post Corda powered SWIFT GPI Link could be a game-changer in global trade finance appeared first on Daily Fintech. [...]
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Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.

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Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.
The post Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry. appeared first on ONEtoONE Corporate Finance. [...]
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Don’t Wait: Here’s Where to Get a Free or Low-Cost Mammogram This Month

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Don’t Wait: Here’s Where to Get a Free or Low-Cost Mammogram This Month
If you couldn’t tell by all the pink everywhere, October is Breast Cancer Awareness Month. And one of the best ways to stop breast cancer in its tracks? Early detection (it works). Though every woman should do breast self-exams each month, women over 40 should also consider getting a mammogram — an X-ray that examines breast tissue — every one to two years. (Here are specific guidelines.) If you’re younger than 40 but have risk factors for breast cancer, you might need mammograms, too; ask for your doctor’s recommendation. But whatever your age, don’t avoid mammograms because of their cost. 6 Places That Offer Low-Cost or Free Mammograms Women today have a bounty of ways to get free and low-cost mammograms. Here are six options. 1. Your Doctor If you’re 40 or older, the Affordable Care Act requires your insurer to cover screening mammograms with no co-payment. More information is available here. Medicare and Medicaid also cover the cost of mammograms. 2. The National Breast Cancer Foundation The National Breast Cancer Foundation partners “with medical facilities across the country to provide free mammograms and diagnostic breast care services to underserved women.” Click here to search for a location near you. 3. The Susan G. Komen Foundation This organization has affiliates in 120 American cities.   According to its website, its affiliate network “is the nation’s largest private funder of community-based breast health education and breast cancer screening and treatment programs.” To learn what resources are available in your area, search for your local affiliate here. Prefer to speak to someone? Call the organization’s breast care helpline at 1-877-GO-KOMEN (1-877-465-6636), and the representatives will help you find low-cost options in your area. 4. The National Breast and Cervical Cancer Control Program The CDC’s National Breast and Cervical Cancer Control Program “provides breast and cervical cancer screenings and diagnostic services to low-income, uninsured and underinsured women across the United States.” To qualify for this screening, you should be between the ages of 40 and 64, have no insurance or insurance that fails to cover screening exams, and live at or below 250% of the federal poverty level. You can find out more information about your state or territory here. FROM THE SAVE MONEY FORUM For those Who do not drive, what is the cheapest way to get around? 8/16/19 @ 1:55 AM M Saving money on pet meds 9/11/19 @ 3:41 PM Acorns 8/14/19 @ 6:00 PM How to save when grocery shopping 8/15/19 @ 2:43 PM See more in Save Money or ask a money question 5. The YWCA Some YWCA chapters provide breast cancer screening and education to women who have no insurance or who are underinsured. Contact your local YWCA to see if it offers affordable mammograms.   6. Your Local Imaging Center According to the Susan G. Komen Foundation, many imaging centers offer reduced rates during Breast Cancer Awareness Month. You can search for a local mammography center on the FDA website. You might be wondering why Planned Parenthood isn’t on the list. These popular clinics provide clinical breast exams, but not mammograms; if an abnormality is detected during your exam, the doctor will refer you to a provider of low- or no-cost mammograms like the ones above. To learn more about mammograms — including how they work and how to prepare — check out this PDF from the Komen Foundation. Whatever you do, don’t wait! Susan Shain is a contributor to The Penny Hoarder. Former SEO analyst Jacquelyn Pica assisted with research. 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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Writing a Will? How to Stop Stalling and Get It Done

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Writing a Will? How to Stop Stalling and Get It Done
You know you should have a will, but you keep stalling. No one likes to think about dying or about someone else raising their children. But if you get no further than scribbling notes or thinking about which lawyer to hire, you risk dying “intestate” — without a will that could guide your loved ones,... Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. The article Writing a Will? How to Stop Stalling and Get It Done originally appeared on NerdWallet. [...]
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New from SmileDirectClub: Straighten your teeth while you sleep!

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New from SmileDirectClub: Straighten your teeth while you sleep!
Want to straighten your teeth while you sleep? Check out this brand-new program from SmileDirectClub! Note: This post is sponsored by SmileDirectClub and contains affiliate links. All opinions are 100% my own. Read our disclosure policy here. As I’ve been sharing my journey with SmileDirectClub, I’ve heard from many of you who are very interested in using SmileDirectClub, but you don’t want to wear retainers all day and all night. Some of you said that it just sounds like a pain. Others of you said that you couldn’t because of your job. One of you told me you work in customer care and are on the phone all day and need to be able to talk clearly and you were worried people wouldn’t be able to understand you as well if you were wearing aligners. Introducing the Nighttime Clear Aligners Program Well, if the thought of wearing aligners all day and all night has been holding you back from signing up for SmileDirectClub, I’ve got GREAT news for you! They just launched their new Nighttime Clear Aligners program. This allows you to only wear aligners at night (approximately 10 hours/day) and to straighten your teeth while you sleep. Now, most of you probably don’t sleep for 10 hours total every night, but you could put these in at 9 p.m. when you’re winding down for bed and wear them until 7 a.m. in the morning. Then, just pop them out, rinse them, put them in the case, and go about your day. Repeat the same thing the next night and the next night and watch your teeth “magically” begin to straighten! The Nighttime Clear Aligners program is twice as long as the regular aligners program (10 months versus 5-6 months), but you never have to mess with your aligners during the day! I think that’s a HUGE score! Best of all, the price is exactly the same ($1895 total or $85/month)! I have been so excited to tell you about this program as I think it is such a great idea and I wish they had had it when I started SmileDirectClub! My 5-Month SmileDirectClub Update Speaking of SmileDirectClub, I’ve been so happy with my overall experience! I can’t tell you how many people have noticed how much better my teeth look — without me ever mentioning anything to them! Now that I’m finished with my 5-month treatment, I only have to wear retainers at night to make sure my teeth don’t go back to where they once were. It is SO NICE to not worry about wearing aligners during the day, but I’m so happy I decided to take the plunge and do this program. It has been everything I hoped and more. Best of all, every time I see a photo of myself with my new smile, I can’t help but smile even bigger. It’s given me a newfound level of confidence. My teeth aren’t perfect, but they are so much better than they used to be and the process was really quite simple, with minimal pain and discomfort. Overall, I would highly recommend SmileDirectClub and have had a really positive experience with them. For years to come, when I see my smile or look in the mirror, I will be grateful to them! Read More of My SmileDirectClub Journey: My Completely Honest Experience at the SmileShop My First Month Wearing SmileDirectClub Aligners Does SmileDirectClub Really Work? (My 90-Day Update) Want to try SmileDirectClub? I highly recommend going to a local SmileShop to get a 3D Scan done. If you don’t have one nearby, though, you can order an at-home Impression Kit. Again, I would personally recommend going into a SmileShop. It’s completely FREE to do so and they do such a great job of giving you such a high-quality scan. But you if you do end up ordering an at-home Impression Kit, use coupon code MSMDEAL to get 50% off the price. And if you decide to sign up with SmileDirectClub, you can also use coupon code MSMDEAL at checkout to get $100 off the price of your Invisible Aligners. [...]
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Ready for a Change of Scenery? These 9 Cities Will Pay You to Move There

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Ready for a Change of Scenery? These 9 Cities Will Pay You to Move There
If you could use a change of scenery, why not get free money to move somewhere? In the face of declining or slowing population growth, some cities have decided to get aggressive about their survival. Some are giving away free land, others free tuition, and still others are literally handing out stacks of cash to folks who agree to move their metropolitan area. Here are 10-plus places that really, really want you to move there… Places That Will Pay You to Move There If you’re already looking for a new place to call home, but you don’t have your heart set on a specific area, there are plenty of ways to determine a good fit for you. If you’re just starting out your career, we’ve found the top 10 cities for wage growth. And if it’s closer to quitting time, we’ve found 11 surprisingly affordable cities for retirement. But if you’re simply looking for a change and welcome a financial incentive, we’ve found 10 cities — and two states — that are offering deals worth thousands of dollars to entice you to make their communities your home sweet home. 1. Tulsa, Oklahoma Oklahoma’s second largest city is offering to pay remote workers $10,000 cash to relocate there through its Tulsa Remote program. You’ll get some upfront cash to help with relocation expenses, then a monthly stipend for your first year. At the end of the year, you get the remaining dough. And they’ll throw in a desk at a coworking space so you don’t have to work out there on the plain all by your lonesome.  The only requirements are that you must be 18 years old, eligible to work in the United States and, you know, want to live in Tulsa. The 2019 application has closed, but you can sign up to receive an alert as soon as the 2020 application opens. FYI: You’ll need to be ready to move to Tulsa within six month if accepted. 2. Hamilton, Ohio Hoping to boost its college-educated quotient, Hamilton, Ohio, has a “reverse scholarship,” which pays successful applicants up to $10,000 to move to this small city outside of Cincinnati — paid out in 30 convenient $300 installments. To qualify, you must have graduated within the last seven years from a STEAM (Science, Technology, Engineering, Arts or Mathematics) program. And you can’t currently live in the city of Hamilton, but you must demonstrate employment within Butler County (where Hamilton is located).  The city’s website also states a preference for those with a desire to give back and engage with the community, so perhaps this is your shot to stage that community theater production of… “Hamilton.” Just sayin’. 3. Marquette, Kansas Anyone who’s ever driven cross country via I-70 knows Kansas has no shortage of open space. The state has experienced declining population growth since the early 1900’s, so towns like Marquette have been giving out free plots of land in order to entice new residents. Marquette’s free plots are located on the west side of town in the Westridge Addition, and the website promises beautiful sunset views over the open fields. To qualify for the free land, you must agree to build a home on the land within one year, and commit to living there for at least a year after your home is completed. 4. Lincoln, Kansas Here’s another Kansas town offering free land to qualified inhabitants. According to its website, you’ll be able to see the buffalo roam from your home on the range, should you take them up on their offer. Again, you’ll have to comply with the city’s requirements for building and inhabiting a home within set time parameters. Contact Lincoln City Hall for full details. Even if neither Marquette nor Lincoln quite suits you, you might be able to take advantage of Kansas’ Rural Opportunity Zones elsewhere. They cover 77 counties, and benefits include tax waivers and student loan repayments. 5. Curtis, Nebraska How’d you like to build your dream home — without spending a dime on the land itself? It’s possible in Curtis, Nebraska. Construct a home in Curtis within a set amount of time (and according to certain specifications), and you’ll receive the land free. All of the lots come utility ready and are located on paved streets. And in Curtis, it’s the more the merrier — and more lucrative. The family incentive program awards $500 for the first kid, $750 for two and $1,000 for three more children who move to the city and enroll in the Medicine Valley Public Schools. FROM THE MAKE MONEY FORUM work at home 4/4/19 @ 1:26 AM business development 10/2/19 @ 2:27 AM T FlexJobs 9/27/19 @ 9:43 PM s SSDI Isn't Enough To Make Ends Meet 9/25/19 @ 2:38 PM See more in Make Money or ask a money question 6. New Richland, Minnesota Life’s simpler in the Midwest — especially when you can get land for free. If you build a home within a year of receiving the land’s deed, your new property in New Richland’s Homestake subdivision will be 100% free of charge. Plus, the town’s in proximity to a golf course, lake and bike trails. 7. Harmony, Minnesota Want to move to the “Biggest Little Town in Southern Minnesota”? The town of Harmony will provide home-builders a cash rebate of up to $12,000 to cover costs of construction — and the program has zero age, income or residency restrictions. 8. Niagara Falls, New York Need help repaying your student loans? Who doesn’t? It might be as easy as moving to scenic Niagara Falls, New York. The city will reimburse you for student loan payments up to nearly $7,000 if you agree to live in specific neighborhoods for two years. Plus, you’ll live right next to one of the seven natural wonders of the world.  9. Baltimore, Maryland Ready to give a little love to an underloved property — and get paid for it? Baltimore’s Vacants to Value Booster incentive gives $10,000 to buyers of Vacants to Value properties in an effort to address the blight caused by abandonment in the area. The home must be your primary residence, and you must be willing to invest at least $1,000 of your own resources. Also, the $10,000 must go toward your down payment and closing costs. If that’s not enough reason to Old Bay country, the city also has a Buying Into Baltimore program that offers a $5,000 incentive to use toward buying a home anywhere in Baltimore. You must attend a Trolley Tour event to be eligible; 30 individuals are selected on a lottery basis. Still not convinced? We have two words for you: crab cakes. Bonus: Anywhere in Alaska or Vermont Why limit yourself to just one city when Alaska and Vermont will pay you to live anywhere in their states? Since 1976, Alaska has paid its residents to live there via its Permanent Fund Dividend. The payouts are funded by Alaska’s oil royalties and are divided up evenly among citizens. Yearly payouts vary, but the 2018 dividend was $1,600. Not too shabby just for being there! To be eligible for the rebate, you must not claim residency in any other state or country. Check out the full details here. Vermont, on the other hand, is making its case for remote workers to relocate to the land of maple syrup. The state’s Remote Worker Grant Program will pay for “qualifying remote worker expenses” up to $10,000 — $5,000 per year for up to two years. And in 2020, [...]
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22 Purchases You Should Never Skimp On

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22 Purchases You Should Never Skimp On
BlueSkyImage / Shutterstock.com Who doesn’t love a bargain? Scheming to get the best price — whether by utilizing coupons, sales, frequent-shopper points or other tips — is a rewarding and fun pastime. But sometimes, purchasing the absolute cheapest item in a certain category isn’t the way to go. That old saying, “You get what you pay for,” rings true time and... [...]
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Cottonelle Ultra CleanCare Toilet Paper (24 Family Rolls) only $18.88 shipped!

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Cottonelle Ultra CleanCare Toilet Paper (24 Family Rolls) only $18.88 shipped!
This post may contain affiliate links. Read my disclosure policy here. Running low on toilet paper? Here is a great stock up price on Cottonelle Ultra CleanCare Toilet Paper! Amazon has this Cottonelle Ultra CleanCare Toilet Paper (24 Family Mega Rolls) for just $18.88 shipped when you clip the 20% off e-coupon and checkout through Subscribe & Save! That’s just $0.14 per single roll! Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. Thanks, Hip2Save! [...]
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Limited Time Offer: Hyatt Cardholders Can Earn a $50 Statement Credit

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Limited Time Offer: Hyatt Cardholders Can Earn a $50 Statement Credit
Hyatt credit card holders already have impressive points earning power when they stay at Hyatt properties. Now for a limited time, they can earn a $50 statement credit, too, by spending at least $300 with Hyatt Place or Hyatt House. Like many hotel promotions, this one requires World of Hyatt members to register before they... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Limited Time Offer: Hyatt Cardholders Can Earn a $50 Statement Credit originally appeared on NerdWallet. [...]
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So You’re Ready to Open a Bank Account? Here’s Exactly What You Need

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So You’re Ready to Open a Bank Account? Here’s Exactly What You Need
Regardless of where you are in life, you will likely need to open a bank account at some point.  But what do you need to open a bank account, exactly? Whether you’re a total newbie or just haven’t opened one in a long time, the process of opening an account can be stressful. But it doesn’t have to be. Prepare yourself before you head to the bank, and the process will go much more smoothly. What Do You Need to Open a Bank Account? Usually, you can open an account online or in person at a local bank branch. If you go in person, make sure you collect all your documents ahead of time to avoid delays. (We’ll discuss what you need to bring later on.) No matter how you open your bank account, you’ll need to fill out an application. This will include personal information like your name, address and Social Security number. If you’re applying online, you’ll need to enter your photo ID number so the bank can verify that you are who you claim to be. How to Determine if You’re Eligible to Open a Bank Account Each bank has different eligibility requirements, so it’s a good idea to do some research before choosing a bank. But all banks have certain eligibility requirements mandated by law. First, you need to be at least 18 years old to open a bank account on your own.  If you’re under 18, you may be able to open a joint account with a parent or legal guardian. You might also check with your bank to see if they offer accounts designed for minors.  Opening a bank account at a young age can help you learn how to properly manage your money, making the transition to adulthood an easier one. Many banks will look at your financial history before allowing you to open an account. So if you have a history of overdrafts or have had accounts closed by the bank before, you may be ineligible. Some banks will work with you even if you have a bad history, so it’s worth doing your research if this applies to you. In some circumstances, banks will only allow you to open an account if you’re a U.S. citizen. What to Bring When You Open a Bank Account Once you’ve chosen a financial institution where you want to open a checking or savings account, you’ll need to make sure you show up with the right documents to ensure a smooth process. Here’s what to bring. Photo ID When opening an account for the first time, you will need to bring some form of photo ID. The most common form is a state-issued driver’s license, but a passport will also work.  If you don’t drive and don’t have a passport, you can get a state ID from your local Department of Motor Vehicles office. To get an ID, you’ll need to provide the DMV with your birth certificate and proof of address. Social Security Card You may need to show your Social Security card to open an account, so it’s a good idea to bring it along just in case.  If you don’t have a Social Security number, you will need an Individual Taxpayer Identification number. You can get one by submitting Form W-7 to the IRS. Proof of Address You will need to bring some sort of proof of your address, such as a utility bill or mortgage statement. You can also provide a lease agreement that lists your address. Deposits Most banks require you to make an initial deposit when you open a new account, so make sure you ask what the minimum deposit is and have that amount of money with you when you go to open the account. FROM THE BANKING FORUM Social security Representative Payee bank account 9/26/19 @ 5:16 PM L How to find a checking account that displays scheduled transaction on account activinty view? 9/4/19 @ 2:05 PM ONLINE BANKS 8/26/19 @ 6:54 PM Best bank to use? 7/12/19 @ 2:52 PM See more in Banking or ask a money question What Happens After You Apply for a Bank Account? Once your application is complete, the bank will review it and check your history with bank accounts, if applicable. If you’re approved for the account, you will receive the account number and routing number so you can begin using it immediately. This is when you will pay your initial deposit.  If you’re opening the account in person, you can use cash, a check or an electronic transfer. If you’re opening the account online, you should be able to use all of the above options, with the exception of cash. After a few days, you’ll receive a checkbook, deposit slips and a debit or ATM card in the mail. The card will include instructions on how to activate it, which you’ll typically do over the phone or online. Make sure you sign the card or it could be considered invalid. Once you have your bank account details, you can set up a direct deposit for your regular monthly income, whether that’s a paycheck, retirement funds or other benefits. Direct deposits make it easy to access your money each month and avoid the extra step of having to cash a check. Next, you can set up online access to your bank account. Make sure you choose a password that you’ll remember but that isn’t too easy to guess. Some banks have different login methods for additional security, so make sure you choose one that won’t be too hard for you to use to access your funds. Opening a bank account, whether for the first or 50th time, can be daunting. But by making sure you have everything you need ahead of time, it can be quick and easy. Catherine Hiles is a writer, mother, runner and avid reader. She enjoys cooking (and eating), good beer and spending time with her husband and two young children. 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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Category 5 hurricane in cash markets – Dollars, Bitcoins, …

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Category 5 hurricane in cash markets – Dollars, Bitcoins, …
The USD suffered a serious cardiac liquidity episode in late September. Not as bad as the 2013 China`s one but of course, with substantially larger global impact. This time it even affected the seemingly unaffected digital asset class. Efi Pylarinou is the founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the […] The post Category 5 hurricane in cash markets – Dollars, Bitcoins, … appeared first on Daily Fintech. [...]
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We Stopped Buying Paper Towels

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We Stopped Buying Paper Towels
Is it possible to live without paper towels? Yep, it is. In this post, I share why we stopped buying paper towels. I also share how we manage to live just fine without them. “Where are your paper towels?” I get this question so often from new guests who are at our house. They always look a little shocked when I say, “Well, actually, we don’t buy paper towels.” As I’ve mentioned the fact that we stopped buying paper towels online, I’m always met with curious questions about how on earth we manage to live without paper towels. The process was really just two simple steps… 1. Stop Buying Them You want to know how we’ve eliminated paper towels from our home? Well, here’s the answer: I just stopped buying them. Seriously, that was it. Early on in our marriage, I realized that paper towels were one item I could never find that great of a deal on. I also realized that these were an item many people lived without for thousands of years, without any issue. So I talked to my husband and asked him if I could do an experiment: could I just stop buying paper towels and see if we missed them? You know what? We never really even noticed. When we needed to clean up a spill, we just used a towel. When we needed to wipe something up, we used a rag. It just wasn’t a big deal. Honestly, the only times I’ve realized we didn’t have paper towels were when someone was at our home and they asked for a paper towel. I’d just tell them we actually don’t use paper towels, but the rags or towels are in the bottom drawer in the kitchen. 2. Find Creative Alternatives I keep a drawer full of towels and rags in the kitchen handy for spills and clean-up. The only time I’ve found that paper towels were really handy (and I did buy some) was for our camping trips and when we moved. Otherwise, for everyday messes and spills, rags or old towels/washcloths have worked just great for us. We can always toss them, if need be, if the spill was really messy. A number of people have asked what we use to drain bacon on, since that seems to be a very common use of paper towels. We actually cook our bacon in the oven on a cooling rack with foil on a pan underneath. So yes, we do throw out this foil once it has been used. No, You Don’t Need to Quit Buying Paper Towels! Now, please know, I’m not writing this to make the case that all of you need to quit buying paper towels. However, I share it as an example of how there are many things we’ve come to think are “necessities” in life which really aren’t. How about trying to live without some of these things and see if it really is that difficult or earth-shattering? You might be surprised to discover you don’t even miss these once-considered “necessities”. What about you? What simple things have you eliminated from your life and found you didn’t miss at all? Tell us about it. [...]
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7 Things That Prove Cheaper Isn’t Always Better

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7 Things That Prove Cheaper Isn’t Always Better
Koldunov / Shutterstock.com Everyone wants to save a buck. But in our pursuit of savings, there are some areas where we shouldn’t skimp. Following are seven items for which spending more cash can be worth every penny. [...]
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How to Rack Up Points and Miles With Everyday Spending

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How to Rack Up Points and Miles With Everyday Spending
Credit card companies are always pushing new travel cards with welcome bonuses that can be too tempting to pass up. But what if you already have as many cards as you can handle? Or don’t want to pay another annual fee? Or don’t want to learn how to navigate yet another card’s redemption regulations? There are still... Alisha McDarris is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How to Rack Up Points and Miles With Everyday Spending originally appeared on NerdWallet. [...]
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How One Couple Lived Rent-Free for 3 Years to Save Toward Down Payment

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How One Couple Lived Rent-Free for 3 Years to Save Toward Down Payment
A few years back, a Southern boy met a Cali girl and fireworks exploded. At least they did in how I tell the story.  Not too long after, we saw a lot of commonalities and shared purpose, so things got decidedly real.  When we got invested in our relationship lasting for the long term, we knew serious financial decisions lay ahead and I’m delighted that our goals aligned. However, we knew realizing them would require a lot of effort — effort we were more than willing to put in if it got us what we wanted. But just as cars don’t run on hopes and dreams, willingness doesn’t simply put money in the bank. If it did, we, and millions more, would be set. If we wanted a house to raise a family in, we would have to save money for a down payment. Fortunately, a break fell into our laps and we took full advantage, allowing us to save money quicker.  The Unusual Arrangement That Covered Our Rent for 3 Years In 2016, my mother graciously decided to support my girlfriend (now wife) and me by investing money she received from her mother’s estate in a multiunit property in New Orleans.  The agreement was that we would pay each month’s mortgage while renting out the two additional units, with long-term tenants in one and short-term guests from Airbnb in the other.  The math would work out where we would pay for any shortfalls, repairs or maintenance.  There’s a name for this arrangement, i.e., living in a multifamily home while renting out the other units to cover the mortgage payment: house hacking. We appreciated the deal because it gave my parents a return on their investment and my wife and me a free place to stay. However, I want to be clear: House hacking doesn’t require assistance from family. In fact, purchasing a multifamily home can serve as a pathway to homeownership. The added rental income you’ll receive can even be considered as part of your overall income when you apply for a mortgage in some cases.  Further, the 20% down payment is not necessary due to alternative mortgage products like FHA loans, which require as little as 3.5% down and allow you to finance a multifamily property with up to four units. The house we called home had three units with long-term tenants on one side and a short-term rental behind us in a lock-off unit. This partition between us and the short-term rental made the space suitable for hosting Airbnb guests because the guests did not need to interact with us. The layout gave them complete privacy to come and go as they pleased using the separate side entrance.  Aside from competitive pricing, this was one of the most frequently cited positive features about the unit shown in our reviews over the three years we ran the Airbnb. It allowed guests to be completely independent during their stay, as they would be in a hotel. FROM THE HOME BUYING FORUM to buy or to rent? 9/12/19 @ 3:59 PM O 401k Loan 7/29/19 @ 10:35 AM B Knowledge Is Important When Buying A Home 7/22/19 @ 9:18 AM Can I buy a home with student loan debt? 6/12/19 @ 11:20 AM See more in Home Buying or ask a money question The Math Behind Our Housing Hack To determine what rent to charge, we looked at comparable units in the area and saw how much renovated properties fetched. We wanted it to cover at least 75% of the mortgage. From there, we knew it was up to us to book the Airbnb enough to avoid paying anything out of pocket. However, getting to such a high rent required top-to-bottom renovations in the long-term unit. We did all the repairs ourselves, relying on experience accumulated over previous home renovations.  Each month, the mortgage came to $1,800 with a $250 bill for an HVAC system replacement we financed. The long-term tenants paid $1,700 each month, while the Airbnb averaged $500 per month over the course of the year.  Our occupancy rates for the Airbnb depended on the time of year, as New Orleans is a tourist destination during the fall through spring. For the three years we had the property listed on the platform, we averaged occupancy rates of 25% to 35% — mostly weekends during tourist season.  For repairs, we budgeted for $100 to $200 per month. The income from the Airbnb provided enough cushion to cover routine maintenance and the HVAC replacement. With time, we likely could have raised the rent in the long-term unit as the market price increased to turn a profit on the property. In a sense, the group saw us as stewards of the investment, and we were paid fairly for our efforts. That’s to say, not everything came up roses managing tenants and Airbnb guests. We financed a fair number of repairs. The HVAC system, appliance upgrades and maintenance activities came out to roughly $12,000 during our three years there.  But between these two income sources, we managed to offset our living expenses and budget for routine maintenance and repairs. As an added bonus, we also got to pick our neighbors and the guests who stayed with us. For a comparable rental unit in New Orleans between 2016 and 2019, we would have paid $1,200 to $1,500 per month. By not paying this housing expense, we were able to save that money instead.  After we moved out of the unit to the San Francisco area, my parents chose to maintain the property and rent out the units to long-term tenants. In the end, house hacking helped us get closer to what we want: a home of our own and, eventually, financial independence. 4 Reasons House Hacking Worked for Us Now that you have a better idea of how we went about house hacking, I’ve distilled four major takeaways for how and why you should consider using your space to reach your financial goals. 1. House-Hacking Requires a Low Time Commitment At first, we were wary of how much time this would take given our busy schedules. I worked a demanding job, and my wife was a medical resident.  However, after the first six months of guests, we quickly developed a routine for flipping the Airbnb between guests. This made short-term renting an effective means for making money. For a traditional rental, finding the right tenants can take time, but it’s well worth the effort. After all, these will be your neighbors for at least a year. 2. You Can Take Advantage of Assets You Own A primary reason house hacking is a great option is that you leverage assets you own. In a sense, this side hustle requires less recurring time after the initial investment of time and money. This breaks the traditional trade-off between time and money and allows for scalability. 3. It Doesn’t Require Specialized Skills  Outside of requisite soft skills — such as relationship management, marketing and good judgment — house hacking doesn’t require many hard skills. 4. You Can Earn a Good Return For the amount of time and money you invest, house hacking can generate a decent return. This is all the truer if it leads to a complete offset of your living expenses. If you have multiple units for rent like we did, the potential to earn a decent return is high. This arrangement has allowed us to save money much quicker than we would have by renting a one-bedroom apartment elsewhere in the city and carrying monthly rental payments. Is House Hacking Right for You? Ultimately, the decision rests on how much you can reasonably expect to e [...]
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Singapore opens doors for digital banking boom in South East Asia

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Singapore opens doors for digital banking boom in South East Asia
Earlier this year, Hongkong offered digital banking licenses to Alibaba, Tencent and Xiaomi. Therefore, it is not surprising to hear that the Monetary Authority of Singapore (MAS) are opening up their doors to digital banks too. Applications are open for firms wanting to set up a digital bank in Singapore. The deadline for applications is […] The post Singapore opens doors for digital banking boom in South East Asia appeared first on Daily Fintech. [...]
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What Walmart’s Switch to Capital One Means for Your Credit

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What Walmart’s Switch to Capital One Means for Your Credit
On Oct. 11, 2019, Walmart’s massive credit card portfolio is due to transition from Synchrony to Capital One. And for existing Walmart cardholders, this major switch raises a big question: Will changing issuers affect my credit? The short answer: Probably not, because of credit reporting conventions that issuers follow. “A transition of account ownership does not... Claire Tsosie is a writer at NerdWallet. Email: claire@nerdwallet.com. Twitter: @ideclaire7. The article What Walmart’s Switch to Capital One Means for Your Credit originally appeared on NerdWallet. [...]
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Disney Princess My Beauty Spa Kit

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Disney Princess My Beauty Spa Kit
If you have a little one that loves everything Disney Princess, this would be a great deal to grab and use as a gift for later in the year! You can get the Disney Princess My Beauty Spa Kit for only $6.00 right now. You will be saving 45% on this purchase because it is ... Read More about Disney Princess My Beauty Spa Kit The post Disney Princess My Beauty Spa Kit appeared first on Penny Pinchin' Mom. [...]
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10 Podcasts to Help You Launch Your Business

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10 Podcasts to Help You Launch Your Business
Are you prone to running cost-benefit analyses on your free time? You’re not alone. In the early days of starting a business, time is invaluable. As a budding entrepreneur, you may find it difficult to manage day-to-day tasks and big-picture thinking. One productivity hack sure to help you strike a balance: podcasts. You can learn the business secrets of some of the world’s most successful companies all while checking stuff off of your never-ending to-do list. To maximize your business-knowledge gains, you just have to know where to start, which leads us to… The Penny Hoarder’s 10 Best Business Podcasts for Entrepreneurs Our recommendations of podcasts for entrepreneurs don’t come in any particular order. They include advice from voices both big and small on what goes into starting a business. AngelList Radio AngelList, a website for investors, startup owners and job seekers, was founded in 2010. Over the years, it’s become an invaluable resource for small business owners. It even made our list of top free business resources. In 2016, AngelList started experimenting with podcasts. It launched season one of AngelList Radio, hosted by entrepreneur Tyler Willis. The podcast features deep dive interviews with successful venture capitalists who were early investors in Reddit, Snapchat, Uber and other companies that went on to become unicorns. The hour-plus-long interviews provide an inside look at how angel investors think and what they’re looking for when investing in startups, something every business owner should take note of. So far, there’s only one season. The podcast launched with the intention of doing multiple seasons, but there’s been radio silence for quite some time. Still, there’s about nine hours of investor secrets to binge-listen. Building a StoryBrand Podcast New businesses often struggle to connect with their customers. There’s a lot to think about when launching a business, and it can be overwhelming for a small team (or a team of one) to manage strategic branding along with day-to-day business functions. Donald Miller knows this well. He hosts Building a StoryBrand, based on his book of the same title. The podcast and the book hone in on the same theme: “Clarify your message so your customers will listen.” The series includes more than 150 episodes rife with storytelling techniques to keep your business’s message succinct and engaging, but the podcast also includes other general advice geared toward small business owners. New episodes air on Mondays and typically run 40 minutes to an hour. The Creative Entrepreneur When thinking of entrepreneurs, images may come to mind of suit-clad businesspeople power walking to meetings, phone in one hand and suitcase full of pie charts in the other. Yeah OK, sure. Those people exist somewhere. But the majority of business owners aren’t that stereotype. They are everyday people in Minnesota and Florida and South Dakota, not just New York and San Francisco.  And some of those people are trying to make it in creative fields.   The Creative Entrepreneur is one of the best podcasts for entrepreneurs like them. Bob Baker, a podcaster, author and comedian has been making podcasts for nearly two decades. In this series, he pumps out a bimonthly stream of helpful advice and insightful interviews for artists and creatives. Episodes vary in length, ranging from about five to 30 minutes. Foundr Podcast In 2013, Nathan Chan founded Foundr, a digital magazine for young entrepreneurs. Chan’s mission is to help people start businesses of their own, and he does so by talking with top-tier CEOs, founders and entrepreneurs, then shares their tricks of the trade. The publication has a subscription fee, but the Foundr Podcast, which Chan started in 2014, is free. Each episode runs about a half hour and typically features interviews with notable entrepreneurs, highlighting how they built and scaled their businesses. Some episodes focus on actionable tips on topics such as time management and crowdfunding.  There’s a lot for entrepreneurs to sink their teeth into, as the series is more than 250 episodes strong. Freakonomics Radio In 2005, “rogue” economics professor Steven D. Levitt teamed up with award-winning journalist Stephen J. Dubner to pen “Freakonomics,” a book that unearths “the hidden side of everything.”  The book was wildly successful and spun off several other works, including a blog, more books and, of course, the radio show. Dubner launched Freakonomics Radio in 2010 and is still cranking out new weekly episodes (nearing the 400 mark). The podcast is an extension of the book’s wide-ranging theme. In contrast to other podcasts on this list, you probably won’t learn a specific investor-wooing strategy. What you will learn is context — into how certain industries work, how the economy works and how politics works. How I Built This Hosted by Guy Raz and provided by NPR, How I Built This is an award-winning podcast built on a simple premise: interview the most successful business owners and entrepreneurs of the day and dive into exactly how they achieved success. Interviews range from the humorous to the heartwrenching. Many entrepreneurs divulge strategies that helped them scale their businesses in the early days, and some share anecdotes of the unglamorous, sleepless, stressful side of entrepreneurship. Raz rounds out each interview with his signature question, “How much of your success is skill and how much is luck?”  New episodes air every week and most of them are more than an hour long. Mixergy Interviews Mixergy is a website with a mission to help everyday entrepreneurs in the thick of things. It offers e-courses and interviews to spread actionable business advice. Mixergy Interviews offer a treasure trove of inspiration and business strategies. Over the years, host Andrew Warner has recorded more than 1,800 no-frills interviews that are indexed and searchable by category, such as “bootstrapping,” or “ecommerce” or “women founders.” The archives date back to 2008. (Older episodes may require entering an email address to access.) Warner posts new episodes almost daily. Each one is about an hour long. FROM THE MAKE MONEY FORUM FlexJobs 9/27/19 @ 5:43 PM s SSDI Isn't Enough To Make Ends Meet 9/25/19 @ 10:38 AM work at home 4/3/19 @ 9:26 PM Shortage in Budget 9/26/19 @ 1:16 PM See more in Make Money or ask a money question Secrets of Wealthy Women Think back to that mental image of a stereotypical entrepreneur. Was that power-walking, suit-clad person a male? The podcast Secrets of Wealthy Women wants to blow up those assumptions and expand the playing field. Among the many podcasts for entrepreneurs, this one aims to empower businesswomen through thoughtful interviews featuring “women executives, workplace pioneers, self-made entrepreneurs, industry trendsetters and money-savvy experts.”   Guests share advice on starting businesses, building personal brands, dealing with pay inequality and discrimination in the workplace, as well as women-centric strategies to achieve financial success. The Wall Street Journal’s personal finance reporter Veronica Dahger hosts the podcast, which launched in late [...]
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Afternoon Deals: Saturday, September 28

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Afternoon Deals: Saturday, September 28
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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New SEC Rule Expands “Test-the-Waters” to All Issuers

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New SEC Rule Expands “Test-the-Waters” to All Issuers
On September 26, the Securities and Exchange Commission adopted a new rule to allow all issuers, not just emerging growth companies, to utilize “test-the-waters” communications in connection with an initial public offering or other securities offering. The rule implements the proposal put forth by the SEC in February 2019, discussed in the March 1, 2019 edition of Corporate & Financial Weekly Digest. Since 2012, the JOBS Act has allowed emerging growth companies to engage in “test-the-waters” meetings with institutional investors prior to or following the filing of a registration statement. These meetings have proved popular with issuers looking to gauge investor interest in a potential offering prior to a formal roadshow and, in some cases, prior to devoting significant financial and other resources to the registration process. The SEC’s new rule expands this accommodation, which is intended to encourage more issuers to consider entering the US public markets, to all issuers. As a general matter, Section 5 of the Securities Act of 1933 (Securities Act) prohibits issuers from making any written or oral offers prior to filing a registration statement. Once a registration statement is filed, offers must be made pursuant to a “statutory prospectus” that conforms to the requirements of the Securities Act. “Test-the-waters” communications are exempt from these limitations, allowing these communications to occur before a registration statement is filed or before a statutory prospectus is furnished to investors. Under this new rule any issuer, or any person authorized to act on behalf of an issuer (including an underwriter), can engage in oral or written communications about a potential offering with investors that are, or are reasonably believed to be, qualified institutional buyers or institutional accredited investors. Importantly, though, “test-the-waters” communications are “offers” within the meaning of the securities laws and are subject to the general anti-fraud provisions of the federal securities laws, as well as to potential liability under Securities Act Section 12(a)(2) (Civil Liabilities in Connection with Prospectuses and Communications). Accordingly, issuers should take care in preparing or authorizing any “test-the-waters” materials and review the contents with legal counsel prior to holding any meetings. Under the new rule, no special legending will be required in connection with “test-the-waters” communications, and issuers will not be required to publicly file “test-the-waters” materials. The SEC noted, however, that, as is currently the practice of the SEC staff when reviewing registration statements, the staff could request an issuer to furnish any “test-the-waters” materials to the staff in connection with their registration statement review. The SEC also reminded public companies to consider the application of Regulation FD in connection with furnishing investors any materials. To the extent “test-the-waters” communications contain any material nonpublic information, an issuer would need to determine whether Regulation FD requires public disclosure of the information at the same or whether an exemption from Regulation FD disclosure applies. The new rule will be codified as Rule 163B under the Securities Act, with conforming amendments to existing Rule 405, and will take effect 60 days after publication in the Federal Register. The SEC’s full adopting release is available here. [...]
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18 Creative Ways We Cut Our Grocery Bill

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18 Creative Ways We Cut Our Grocery Bill
Looking for some creative ways to cut your grocery bill? Here are 18 strategies from my followers that you might not have thought of doing: Creative Ways to Cut Your Grocery Bill I recently asked my followers to share some of their best creative ideas for cutting their grocery bill. Here are a few of my favorites that were submitted… (Psst! Have more creative ideas to cut your grocery bill? Please leave a comment on this post and let us know!) 1. Can you make it yourself? “Make homemade items instead of buying them in the store. Example: homemade taco seasoning. You probably have most of the ingredients in your pantry. Use less meat and more veggies in your recipes. You don’t have to use all the meat that comes in the package. “Make homemade laundry detergent (for coloreds and darks). It doesn’t have to be a long term commitment just long enough to help you save money now. Almost anything you get at the store you can make at home. Think outside the box.” -Christine 2. Pretend you’re Ma Ingalls! “I always pretend our family is Little House on the Prairie and it’s a day’s horse ride into town to get groceries. So, once I have purchased groceries, I don’t go back to the store. I get clever about what I can make with what I have. Kind of my own version of Chopped.” -Kathleen 3. Order groceries online. “One thing that helps us save money is to order groceries online. I can closely watch what is being spent. Yes, that means I may give up my 25-cent-off coupon, but if I’m saving $5 because I bought something on an impulse, then I still see it as saving. Or, I’ll order online and then shop my coupons in store. Saving money is hard, you always need to be watching, always counting, always scouring for the best deal. It’s a job all in itself. But when it pays off…boy does that feel great!” -Jessica 4. Cash is king! “If you don’t have it, you can’t spend it! We spend $100/week on food and toiletries for our family of 6. It’s hard but doable. The reality is, if you only have $150, you’ll only spend $150. Maybe working a zero-based budget will help you succeed more?!” -Alicia 5. Stretch your chicken. “I buy big packs of chicken breast and can use 1 pack for 3 meals. I separate the chicken tenders from the breast and cut those into cubes for casseroles. Then, I place those pieces and seasonings/marinades in labeled freezer bags and freeze them. The breasts, I fillet, turning one portion into two. These I season/marinade and place in bags or parchment lined tins and freeze — it just depends on how I plan to cook them.” -Jessica Pro Tip: Check out this post on How to Stretch One Package of Chicken to Make 4 Dinners. 6. Have a Waste Not, Want Not Day. “Take a look at what’s leftover at the end of the week from your most recent shopping trip. What meal(s) can you make out if it? Or snacks, treats, etc.? Every so often I have a “Waste Not Want Not Day” and I use up every odd/leftover food items I can find. Be creative.” -Helen 7. Stop using so much! “Rethink how you use some items. Using too much laundry soap? Only use the bare minimum. And sometimes hand wash small batches! Shampoo? Wash your hair every 2nd or 3rd day, rather than every day.” -Sue Pro tip: Read my post on How I Only Wash My Hair Once a Week. 8. Think in terms of cost per meal. “I try to break it down by cost per meal. Most meals (dinners) I make regularly can be done for under $10-12 for my family of 5… $4 or less worth of meat, a couple bucks in veggies, a couple bucks in carbs. “I try to keep snacks under $0.30/each, at most $0.50, so I’ll break down the cost per item or estimate the number of snacks I can get from one box and divide. “It really helps to see exactly what your meals are costing you, if the ingredients you use in your average dinner costs $25 to buy, you either need to reevaluate your menus or reevaluate your budget.” -Jessica 9. Use a store gift card & shop with a calculator. “A tip to avoid going over on groceries is IF you shop at stores like Safeway (Vons) or QFC (Kroger) that offer gift cards for purchase… load up a gift card each week for the dollar amount you have planned. Only use that gift card (as best you can) for grocery shopping. “If your card doesn’t have enough to cover it at checkout, it’ll really make you have to think twice when you have to pull out your debit card to cover the difference. “Also, shop with a calculator in hand. I’ve done that so many times during tight payday periods. Then you can re-evaluate what’s most important in your cart before you get to checkout.” -Helen 10. Shop Dollar General for OTC medicines. “I’ve recently been introduced to Dollar General brand of OTC meds. They actually seem to work better than most of the name brands.” -Alice 11. Simplify your meals. “Simplify your meals. Some nights we don’t do the traditional meat, starch, veggie. We hardly ever have a bread/roll or even dessert. We might have just a casserole or just spaghetti alone with no sides.” -Allison 12. Shop at CVS. “CVS is the best for personal care items. Although their regular prices are high, their deals can’t be beat. One day recently, I walked out with 2 bottles of L’Oreal shampoo, 2 Pantene hairsprays, and 1 shaving cream for $0.53. I used the coupons at the kiosk, with manufacturer’s coupons on sale items. When I get an overabundance, I share with my daughter or donate to one of the local shelters.” -Kathy 13. Make your own convenience items. “Making cleaning products with vinegar, baking soda, ammonia provides lots of savings. Also, we stopped using paper towels years ago. (You can even cut up old t-shirts for hand towels. I keep them in a basket by the sink.) “Make convenience items from scratch. Or find homemade solutions for expensive items. “When I had kids at home, I made lots of muffins, baked oatmeal, homemade frozen hot pockets, and frozen burritos. Hillbilly Housewife had a great basic muffin recipe and I made it with whatever I had for add-ins. “Eating breakfast for supper saves lots and having things like pancakes, biscuits and gravy, or eggs and toast. Cooking once to re-use leftovers saves a lot also. Taco meat becomes chili, baked chicken becomes soup.” -Gina 14. Cut down on what you buy. “You can still go broke chasing a good deal! Former coupon instructor here. You can up the amount of your budget OR you can cut down on what you buy. “Perhaps one week a month (or a quarter), do a spending fast and don’t shop. Use what’s in the pantry, and eat what’s in the fridge/freezer.” -Amanda 15. Use Walmart Grocery Pickup. “Walmart Online grocery pickup has been great for me lately. You can see exactly what you’re spending before you get to checkout and you are only buying what you need for the week/two weeks versus buying things that you see that jump into your cart. “I still have to supplement with trips here and there to our local grocery store, but knowing I can purchase the bulk of it for very low prices and control what I’m spending WHILE I spend it, has been a great thing for me.” -Susan Pro tip: Did you know you can earn United Airline Miles by using Walmart Grocery Pickup? 16. Use bar soap instead of liquid soap. “Bar soap is also a fraction of the price of liquid, one $2 bar of Dove lasts more than a month compared to a $6 bottle of liquid for 2 weeks!” -Marge 17. Try the Envelope System. “I highly recommend the envelope system. Put your grocery money for the week envelope and only spend that amount (you might need to leave your credit/debit cards at home until you get the hang of shopping with a set amount of cash).” [...]
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