`NonTransparent ETFs` one step forward and two steps backward

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`NonTransparent ETFs` one step forward and two steps backward
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The 10 Golden Rules of Retiring Rich

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The 10 Golden Rules of Retiring Rich
Think retiring rich is out of reach for most people? With a little planning and self-discipline, you can be rich before you know it. Follow these golden rules and watch your nest egg grow: The formula for retiring rich starts with putting money in the bank. Social Security benefits alone won’t be enough to live the good life during your golden years. Money Talks News founder Stacy Johnson... [...]
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How to Request Missing Radisson Rewards

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How to Request Missing Radisson Rewards
Radisson Rewards can deliver a lot of value for those looking to score free nights, especially for travelers to destinations outside the United States. With over 1,100 properties worldwide, Radisson Rewards is one of the best rewards programs for earning free nights. Free night redemptions start as low as 9,000 points per night for a... Ramsey Qubein is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How to Request Missing Radisson Rewards originally appeared on NerdWallet. [...]
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This Week’s Goals (+ an update on Flu B)

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This Week’s Goals (+ an update on Flu B)
This post may contain affiliate links. Read my disclosure policy here. Whew! So last week was nothing like what I had anticipated going into it. I had looked at the calendar and had seen that we actually had three free evenings — which was a big deal as we rarely have more than two free evenings per week. So I had expected it would probably be a little bit quieter and slower-paced week. Little did I know that all three kids would come down with Flu B and we would be completely quarantined, cancel everything, have no one come over, and stay home from for an entire week (Tuesday through Monday)!! I cannot recall any time in recent history that this has ever happened and it was so weird to just have all of us home all day every single day with no one even coming over to our house! (Other than two trips to the doctor and Jesse running out to the store a few times.) The kids’ attitudes through all of this were so incredible. They felt awful and usually had high fevers (102-104), but they were still their funny, witty selves. Since I couldn’t be around them, we Face-timed or texted and they were constantly making me laugh with their comebacks and the funny memes they sent. While I never got full-blown Flu B, I did feel yucky for at least 5 days, so I took it very, very easy, rested a lot, and generally just focused on staying healthy. I did work on my book some, get caught up on email, read some, walk on the treadmill, and watch quite a few shows. But that was about it! I’m so grateful that I am feeling so much more energetic and back to normal today and that we have two kids who are doing a lot better and one who is doing somewhat better. I’m hoping (maybe) everyone will be completely healthy by Thursday. We’ll see! Here’s an update on my goals for last week + this week’s goals: Last Week’s Goals: 2020 — Week 6 Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.) (As mentioned above, since I wasn’t feeling that great much of this past week, I spent a lot of time resting! I did walk on the treadmill 6 days, but that was the extent of most of my walking!) 2. Finish reading Counterfeit Gods. Listen to Eat That Frog! and Peaceful Parent, Happy Kids. 3. Go to bed by 10:30 p.m. Monday, Tuesday, Wednesday, Thursday, and Friday. Home/Family Goals 4. Read 30 more pages of Carry a Big Stick aloud as a family. 5. Research strollers, baby carriers, and car seats. Decide what we’re going to purchase. 6. Complete 4-hour Foster Care Training. (We had to cancel this because the kids all had the flu and I wasn’t feeling that great.) Work/Blog Goals 7. Finish editing chapters 1-3 and finish the rough draft of chapter 4 of my manuscript. Word of the Year Goals 8. Pop popcorn and watch another classic movie as a family. 9. Go to a movie with Jesse. (Since the kids were sick and I wasn’t feeling well, we didn’t get out to go to a movie, but we did catch up on multiple episodes of This is Us together.) This Week’s Goals: 2020– Week 7 Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Read Raising Worry-Free Girls, I Choose Brave, and Get Your Life Back. Listen to Things You Save in a Fire. 3. Go to bed by 10:30 p.m. Sunday, Monday, Tuesday, Wednesday, and Thursday. Home/Family Goals 4. Read 30 more pages of Carry a Big Stick aloud as a family. 5. Clean and disinfect the house from flu germs (as soon as the kids are fever-free!). Work/Blog Goals 6. Finish the rough draft of chapter 5 of my manuscript. Word of the Year Goals 7. Pop popcorn and watch another classic movie as a family. 8. Go out to dinner with Jesse. (If everyone is well!) What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
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Bitcoin price surges. Is Coronavirus behind it?

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Bitcoin price surges. Is Coronavirus behind it?
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12 Money-Saving Tips to Enjoy a Frugal Retirement

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12 Money-Saving Tips to Enjoy a Frugal Retirement
Adjusting to a fixed income in retirement can be a challenge — especially if you’re living off less money. Just because you stopped working doesn’t mean you can stop paying the utility bills and buying groceries. If you’re planning vacations or trips to the golf course — those are extra costs to budget for. “You could easily spend more money [in retirement] because you have more time you want to enjoy,” said Droucelle Ramage, a retiree living in St. Petersburg, Florida. Embracing frugality throughout her life, however, is one of the reasons Ramage was able to leave the workforce in her early 60s. “I used to say it’s against my religion to pay full retail,” she joked. Ramage continues to keep expenses low by shopping at thrift stores, attending free community events and choosing community acupuncture rather than going to a pricey private practice. “It’s $15 instead of $100,” she said. Volunteering at her church and local senior center is another way Ramage stays busy without spending money. When she travels, she’s able to get free flights, a benefit of working for American Airlines for over 20 years. Knowing how to cut costs is key to having a frugal retirement you can enjoy. Here are 12 ways to save money. 1. Get a Roommate or Two Loneliness in retirement can have a negative effect on your health and quality of life. Not only will live-in company help you feel less alone, but you’ll reduce housing costs. If you live alone, try sharing a place with a friend or family member who lives in the same town, or consider coliving with other retirees to save money. 2. Downsize to a Smaller Space Maybe your idea of a frugal retirement doesn’t include sharing your living space. You can cut costs by moving to a smaller home instead.  A small house has several financial benefits. You’ll pay less in rent or mortgage. Your utility bills will go down. You’ll have less home maintenance and repairs to worry about.  And when you downsize, you can sell all that furniture you don’t need for extra cash.  Pro Tip If you’re looking to relocate, here are 11 of the best places to retire. 3. Rent Out Your Kids’ Old Rooms If you don’t want to sell the family home or get long-term roommates, you can make money off your empty nest by turning unused space into short-term rentals. Your kids can get their rooms back when they visit for the holidays — or you could make them pay the daily rate.  This guide on how to become an Airbnb host will get you started. 4. Cut the Cost of Groceries Slashing your grocery spending is a high-impact way to help you have a frugal retirement that saves money every month. Clip coupons, buy generic products, start a garden and shop at stores that boast low prices, like Aldi or Trader Joe’s. For more tips, check out this story about saving money on groceries. Bonus: When you feel like eating out for a change, read up on these 25 ways to save money at restaurants. 5. Be Proactive About Your Health Your health is often intertwined with your wealth. Staying healthy in retirement means you’ll spend less on medical costs. When it comes to preventative care, a balanced diet and regular exercise can lower your chances of developing certain conditions like high blood pressure and type 2 diabetes. But you don’t have to drain your bank account paying for expensive health food or a pricey gym membership. These 10 ways to save money on organic groceries will help you eat healthy for less. Incorporate one of these gym alternatives into your routine, or build a cheap home gym for under $100.  Pro Tip If you’re 65 or older, enroll in Medicare. While Medicare coverage doesn’t eliminate out-of-pocket costs, you’ll pay less than with private health insurance. 6. Find Low-Cost Entertainment and Ways to Stay Social Keep busy in retirement without emptying your wallet. Fill your social calendar up with events at your local senior center, host potluck dinners with friends or start a murder mystery book club. Check out free offerings at your library, like sign language classes or museum passes.  Turn to this list of 100 free things to do when boredom hits. Volunteering is another way to make good use of your time, and it could come with neat perks, like free entry to a play when you usher at a theater. FROM THE SAVE MONEY FORUM Cheap Valentine's Day date 2/15/20 @ 11:15 AM S How I save money on pest control 2/4/20 @ 3:50 PM $4000 trip to Hawaii for $1500 2/13/20 @ 4:11 PM See more in Save Money or ask a money question 7. Save Money on That Bucket List Trip You can have a frugal retirement and travel. It just requires some smart planning and perhaps a bit of compromise — like avoiding the peak tourist season or driving instead of flying. These travel tips will help you keep costs low. 8. Take Advantage of Discounts Don’t be shy about sharing your age when it’ll result in sweet discounts. Dozens of companies — from retailers and restaurants to airlines and hotels — offer lower prices for seniors. Some offer discounts to customers as young as 50. Pro Tip Join AARP to enjoy a slew of discounts at a variety of places. 9. Continue Your Education for Free All across the country, there are opportunities for seniors to take free or reduced-price college courses. Be a life-long learner and take a class in a subject you’ve always wanted to know more about. 10. Shop Secondhand Instead of strolling through the mall for a new outfit or home decor piece, try thrift stores, consignment shops or online sellers to score a lower price. 11. Sell Unused Things You know that china set that’s been collecting dust? Stop telling yourself you’ll pass it down to your kids. Get cash for it instead, along with all the other unused items lying around the house. Organize a garage sale or register as a vendor at a local flea market. If you don’t feel like manning a card table for half a day, sell your stuff online on sites like eBay, OfferUp or Facebook Marketplace. This guide helps you figure out the best time of year to sell all your unwanted stuff. 12. Pay Off Lingering Debt The rewards are twofold when you become debt free sooner rather than later. You’ll pay less in overall interest when you pay off your debt early. You’ll also free up more cash once you no longer have that monthly financial obligation. Paying more than the minimum, negotiating a lower interest rate and making biweekly payments can help you lower your debt load. Here are additional helpful tips on paying off student loans in retirement and eliminating credit card debt in retirement. 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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Life update: Pregnancy (week 29) + our brand-new hedgehog!

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Life update: Pregnancy (week 29) + our brand-new hedgehog!
29 weeks!! And what a week it’s been! Highlights Well, this week has definitely been different than what I anticipated! Silas woke up with a high fever on Tuesday morning and all three kids ended up coming down with Flu B over the next two days. So we’ve been quarantined at home all week and Jesse has been playing round-the-clock nurse to all three kids. He’s been a saint and it’s been so hard for me to not be able to help do much to take care of the kids (it’s dangerous for a pregnant woman to get the flu). The kids have never all been this sick at the same time, but they’ve been such troopers. Jesse has them on this regimen of elderberry, vitamins, homeopathics, and baking soda baths + lots of fluids/rest + Tylenol/Motrin every time their fever spikes. They’ve all had such good attitudes despite being miserable. We’re so hopeful that they only have a few more days of fevers before this runs its course. So none of that was about highlights or pregnancy, but it’s where we are at this week. That said, the highlight has been that I only got a touch of a fever and between rest, fluids, and elderberry, I seem to be dodging the flu bullet so far. And also, I am SO grateful that Jesse has stayed well! Notable The baby has had the hiccups multiple times this week. I kept waiting for it to happen because I remember all my other babies often having them! Also, the movements are getting more pronounced and it seems like there’s constantly some baby body part poking out underneath my skin. It has made it that much more real and helped me connect with this child even moreso. Cravings Um, should I admit that almost all I’ve been craving is cheeseburgers?? I have no idea where *that* came from, but Jesse ran to Burger King last night because the cravings were getting pretty ridiculous and for some reason I really wanted a Burger King cheeseburger. Here’s the crazy thing: I don’t even know if I’ve ever had one before. I can’t even remember ever going to BK in the last decade, but man, the cheeseburgers (yes, I ate two!) tasted SO good!! Weight gain: 21 pounds Meet the newest member of the Paine family – Theodore Quiller. (AKA Theo.) We’ve taken at least 90 videos/pictures of him since we got him and he’s so active that he was basically a blur in most of them. So this was the best we got! We already love him so much and are excited to have another hedgehog again! (Theo’s middle name is in honor of Quill, our first hedgehog who died in December from Wobbly Hedgehog Disease.) [...]
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The Digital Wallets of the Future: Money and Identity

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The Digital Wallets of the Future: Money and Identity
Cryptocurrency wallets have been closely linked to other transactional services. A digital wallet refers to an electronic device or online service that allows someone to make electronic transactions. Usually they are bundled with other services, like exchanges (Coinbase, Binance), physical devices (Trezor, Ledger), or other services (Casa). What if cryptocurrency wallets weren’t just about storing digital assets, but were about identity, serving as a single passport to both the physical and digital world? Ilias Louis Hatzis is the Founder at Mercato Blockchain Corporation AG and a weekly columnist at DailyFintech.com. In the cryptocurrency world, wallets act as a gateway to access a service. A crypto wallet, unlike a physical wallet, a custodial or exchange wallet, or bank account, doesn’t control currency. It moves money between two parties, similar to services like Paypal.   Cryptocurrency wallets let people connect to services to buy and sell cryptocurrencies. They also act a way to store the user’s cryptographic private key, needed to perform these transactions. In essence, your cryptocurrency wallet holds the private keys to your assets sitting on a blockchain and lets you transact by “signing” orders. Crypto wallets have become very popular in recent years. Over 36 million crypto wallets have been created since 2012.   Also a study from Juniper Research found that the number of people using digital wallets will increase from 2.3 billion to nearly 4 billion, or 50% of the world’s population, by 2024. This in turn will push wallet transaction values up by more than 80% to more than $9 trillion per annum. Usually, when users signup to use a cryptocurrency wallet, they validate their identities, before being able to transact. If you live in the US, you were most likely asked to provide your social security number and license or equivalent if you’re outside the US. Depending on other factors, the cryptocurrency wallet provider may have also ask for more information in alignment with KYC regulation. The world’s economy is built by institutions that collect our data, such as banks, telecoms, insurance companies, brokers, drug companies, governments, online services and others. Every year, hackers steal billions of dollars worth of data. Our data, not just the data we give voluntarily but also data collected as we interact with the services we use, is harvested and processed by few huge centralized companies and organizations. Our data is trapped inside accounts on services and apps. Companies like Google, Facebook, Amazon Microsoft,, LinkedIn, Experian, and Visa, all exist collect and monetize our data. The need to decentralized our data is an absolute necessity. As we move from accounts to wallets, we will be able to manage our data, just like we manage Bitcoin, Ethereum and other digital assets, being able to switch between vendors easily and freely. Wallets will evolve beyond the simple function of buying and selling digital assets. Our wallets will become our primary identity authentication platform, that will contain everything we carry in our physical wallets and more. A wallet in the physical world contains multiple pieces of your identity. Imagine your passport, drivers license, medical card, and other types of IDs being replaced by a single digital wallet on your phone. A driver’s license can is used to prove your ability to drive, to buy alcoholic drinks or accessing identity-specific services like opening a new bank account. Most of us have debit cards that allow us to access funds from our bank accounts and use them wherever we want to buy things, with our pin that validates our identity to merchants. Our wallets will be able to store everything related to our identities along with cryptocurrencies and tokenized assets (stocks, bonds, etc). Since crypto wallets already validate our identity, they could act as a third party references of our identity for others. One of the biggest pain points is that every we sign up for a service we need to verify our identities, uploading passports or other documents. It’s not far-fetched to think that companies might be willing to accept a trusted wallet verification, instead of conducting their own independent checks. The internet was not built to transfer value. It was built to transfer information which didn’t need as much security, as value does. Today, blockchain technology allows us to store and keep our data and assets in our own secure wallets, with absolute control over how and when they’re used. Being in full control of your own identity and assets in a decentralized way makes a lot of sense. The future wallet will be an interface to protocols and services, and will represent our professional financial status, and personal identity. Wallets will change from something we use sometimes, when we want to buy and sell things, to something we use all the time. Our digital wallets will become the single most important place, where we store everything, from our money, to our identity. Image Source Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post The Digital Wallets of the Future: Money and Identity appeared first on Daily Fintech. [...]
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What to Know Before Laying Down Money for a Mattress

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What to Know Before Laying Down Money for a Mattress
Here comes Presidents Day, a time to celebrate Lincoln and Roosevelt — and blowout mattress sales. These holiday-weekend bargains can be a smart opportunity to shop for a mattress if you need a new one. But choosing the right bed in your budget can be tricky if you go into the decision cold. Do this... Laura McMullen is a writer at NerdWallet. Email: lmcmullen@nerdwallet.com. Twitter: @lauraemcmullen. The article What to Know Before Laying Down Money for a Mattress originally appeared on NerdWallet. [...]
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7 Big Purchases You Should Never Make

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7 Big Purchases You Should Never Make
Spending money on expensive things you don’t need is a surefire way to deplete your bank account and lower your net worth. Many big-ticket purchases are made on impulse or otherwise represent poor judgment. If you truly can afford to buy a costly status symbol, go right ahead. However, if you want to get the most out of your money, there are many expensive items that you can and should live... [...]
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T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) only $18.89 shipped!

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T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) only $18.89 shipped!
This post may contain affiliate links. Read my disclosure policy here. These T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) look like SO much fun! You can get these T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) for just $14.99 shipped when you use the promo code PRES10 at checkout! This set includes two T-Rexes and two Triceratopses, all individually wrapped — making them the perfect Easter basket gift idea! Valid through February 17, 2020, while supplies last. [...]
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How to Turn an Idea Into a Business: A 7-Day Jump-Start

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How to Turn an Idea Into a Business: A 7-Day Jump-Start
Chances are you’ve daydreamed of what it would be like to run a business of your own. Perhaps you’ve thought of an idea that could be a real moneymaker. But you weren’t sure how to act, so those dreams faded to the background as you trudged through your day job(s). To get you back in entrepreneur mode, we’ve created a seven-day bootcamp to turn your idea into a business. We’ve paired each day with a strategy to help you chisel away at your goals. And what’s this? Feb. 15-22, is National Entrepreneurship Week? What timing! Chartered in 2006, the weeklong congressional initiative “encourages the implementation of entrepreneurship education throughout the United States.” Dreams, you’re back. That business you’ve always wanted to start: It’s happening. By the end of the week, if all goes well, your momentum should carry you into a future where every week is entrepreneurship week. Day 1: Brainstorm Ideas Business ideas don’t have to be glamorous. They just need to be realistic. They don’t need to be based on a genius invention, a scientific breakthrough or a Shark Tank-worthy smartphone app (though they certainly could be). At their core, good business ideas identify existing problems and offer solutions. Kathyrn Gratton is the president of the Hagerstown, Maryland, chapter of Score, a free small-business resource network and partner of the federal Small Business Administration. She spoke to The Penny Hoarder about coming up with a winning idea. “Where’s your interest? Where’s your passion?” she said, noting that your ideas need to be more than potential moneymakers: You should also enjoy the work. It’s OK if you can’t think of anything on-the-spot. The Penny Hoarder compiled nine business ideas to get your creativity flowing. Day 2: Choose a Winner Now that you’ve got a long (or not-so-long) list of potential business ideas, you’ve got to decide which one to run with.  Consider your own expertise. Use your insider experience and knowledge to pinpoint what’s original and novel about your idea. Start thinking about the connections you have, and how those people can help you get started. You may realize later that, actually, the idea you picked wasn’t a winner. You need to rethink it, or return to your list. That’s OK too. The point of this weeklong exercise is to make progress. And determining that the idea you’ve been mulling over for a while is unfeasible is progress. Day 3: Get Feedback Feedback is crucial in the early stages of business building. The more the better — and the more critical the better. While you might think you have a brilliant idea, sooner or later, your business is going to need to convince a ton of other people of the same thing. Within the constraints of day three, you’re not going to be able to test any markets or run any focus groups. Simply asking for constructive feedback from your neighbors, friends or family members will be tremendously helpful. Think you’re onto something? Read our comprehensive 10-step guide to starting a business once you’re ready to launch. Gratton recommends asking that one brutally honest friend we all have. You know, the one that’s comfortable with telling you if you’ve gotten fat over the holidays. “They are the best to run things by because you know they will tell you the truth,” she said. FROM THE MAKE MONEY FORUM Is there Really a way to make MONEY ONLINE? 2/14/20 @ 2:34 PM Earn well with little Money? 2/14/20 @ 3:06 PM Financial Fitness February: Day 7 (Big WIN) 2/8/20 @ 12:37 AM Make money from home 2/2/20 @ 12:47 AM See more in Make Money or ask a money question Day 4: Outline a Business Plan Don’t roll your eyes. Business plans are worth it. A 2016 study published in the Strategic Entrepreneurship Journal found it indeed pays to plan: Entrepreneurs who wrote formal business plans were 16% more likely to “achieve new venture viability” (aka succeed) than those who didn’t.  While it’s true that you won’t be able to – and probably shouldn’t – draft an entire business plan in one day, you can spend your time creating an outline that will set you up for success. In the article-turned-book “How to Write a Great Business Plan,” Harvard business professor William Sahlman lays out the purpose of a business plan and exactly what to include in it. The People: Who’s running the show? Include yourself and everyone else you’ll need for operations to run smoothly. The Opportunity: Explain your product or service and who might buy it. Start thinking about price points, customer demographics and competitors. The Context: Consider all “factors that inevitably change but cannot be controlled by the entrepreneur,” Sahlman writes. That includes laws, regulations and economic trends that could impact your idea. The Risk and Reward: Describe the worst-case scenario, economically speaking, and how you plan to weather the storm. Use those four sections as a starting point for your outline. As you fill it out, you’re very likely to find some deeper insight into your business – or you may find it’s just not going to work. The sooner you learn from either scenario, the better. Day 5: Craft a Business Pitch You’ve done all the heavy lifting for the week. Hopefully that dream you thought was long dead is starting to come alive. Now it’s time to polish up your findings and start sharing the basic premise of your idea and why it’s destined to be successful. Or at least be ready when the opportunity strikes. To help you know what to include in a killer business pitch, The Penny Hoarder spoke to two former Shark Tank contestants who pitched their businesses in front of millions of viewers – nailed their performance – and now helm multimillion-dollar enterprises: Dawoon Kang, CEO of the dating app Coffee Meets Bagel, and Sara Margulis, CEO of the honeymoon-crowdsourcing website Honeyfund. “Succinctly stating what your business is, why it exists and why it’s better than everyone else is really important,” Margulis said. “Any time you talk about your company, you should be able to convey those things simply.” That succinct part is especially important. Here are Kang and Margulis’ other key nuggets of advice. Know your audience: No matter whom you speak to, your pitch should include the core elements Margulis mentioned, but you’ll need to tailor it slightly to different people. Is it a customer, an investor or a business partner? What does each of them need to hear? Include a call to action: Depending on your audience, the call to action should change. Suggest a clear next step, something more specific than: “Let’s stay in touch!” Practice: Pacing, enthusiasm and data are a lot to juggle. You won’t know what part of your pitch sticks with your listener unless you test it out. Apply feedback: Your business pitch is never truly finished. You may learn that people want to hear more about a detail you thought was unimportant. Hear them out, and make the changes to keep it fresh. “It feels like (I’m pitching) all the time … but what I’m realizing is it’s actually not enough,” Kang said. “There’s a saying: ‘Unless you’ve said it 10 times, you [...]
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Jean Luc Bertrand: “ONEtoONE increased the size of the deals I am able to advise”

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Jean Luc Bertrand: “ONEtoONE increased the size of the deals I am able to advise”
The post Jean Luc Bertrand: “ONEtoONE increased the size of the deals I am able to advise” appeared first on ONEtoONE Corporate Finance. [...]
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*HOT* Adventure Academy Annual Subscription for just $3.75 per month!

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*HOT* Adventure Academy Annual Subscription for just $3.75 per month!
This post may contain affiliate links. Read my disclosure policy here. Whoa!! Do you have elementary or middle school aged kids who love online gaming? Be sure to check out this HOT deal on an annual subscription to Adventure Academy!! Psst! You can also get HUGE savings on ReadingIQ and ABCmouse right now!! As a special Presidents Day deal, you can currently get an annual subscription to Adventure Academy for just $45 — which is like paying just $3.75 per month! This deal is valid through February 17, 2020. They’ve only offered this low price a couple other times! Regularly priced at $110, so this is a HUGE savings! It’s like getting 5 months for free at the regular price. Adventure Academy is a brand new MMO game created specifically for kids in elementary and middle school. It features thousands of enjoyable learning activities that kids can discover on quests through an interactive virtual world. Developed by the top video gaming designers and crafted by a team of curriculum experts, Adventure Academy is a highly engaging and creative platform that focuses on building critical knowledge and skills in language arts, math, social studies, science, and more! Adventure Academy features thousands of educational learning activities, such as videos, reading experiences, games, quizzes, and many other interactive elements— all within the frameworks of U.S. (and international) curriculum standards. I checked it out and it plays a lot like an adventure game (think Zelda!) but within an educational framework. It’s really cool! Go here to take advantage of this RARE deal on Adventure Academy. [...]
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Security Token news for Week ending 14 February 2020

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Security Token news for Week ending 14 February 2020
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This News Is Big!

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This News Is Big!
Earlier this year, I had fun with an April Fool’s prank with all of you.  I joked that I had sold the website and was moving on from Penny Pinchin’ Mom. This time it’s no joke. It is now real.  I have sold Penny Pinchin’ Mom. Don’t panic!  This is a good thing for everyone! ... Read More about This News Is Big! The post This News Is Big! appeared first on Penny Pinchin' Mom. [...]
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Why the Ducks Unlimited Card Is 2020’s Best Gas Card

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Why the Ducks Unlimited Card Is 2020’s Best Gas Card
Maybe you think NerdWallet’s choice of the Ducks Unlimited Rewards Platinum Edition® Visa® Card as our award winner for 2020’s best gas credit card was for the birds. Allow us to explain ourselves. With no memorable catchphrases, no Super Bowl ads or celebrity spokespeople and no big-name financial institution behind it (it’s issued by First Bankcard, a... Robin Saks Frankel is a writer at NerdWallet. Email: rfrankel@nerdwallet.com. Twitter: @robinsaks. The article Why the Ducks Unlimited Card Is 2020’s Best Gas Card originally appeared on NerdWallet. [...]
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What To Do With Your Tax Refund? Make These 4 Smart Moves

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What To Do With Your Tax Refund? Make These 4 Smart Moves
Two thousand eight hundred dollars. That’s the average income tax refund these days. How would $2,800 feel in your pocket? You’re probably getting a tax refund in the next couple of months, because nearly 80% of U.S. tax filers will. The question is, what are you going to do with your financial windfall? It’s so tempting to spend, isn’t it? After all, life is short! Live it up! OR you could resist the urge to splurge. Instead, do something smart and strategic that’ll benefit you over the long term — even make you some extra money. Here are four suggestions: 1. Start an Emergency Fund Do you have an emergency savings? When your tire blows out on the highway, you fracture your ankle on vacation, or you get laid off, having an emergency fund can save you from sinking into debt. And funneling your refund directly into a savings account will help you avoid the temptation to spend it. Did you know you can have the IRS direct-deposit your tax refund in up to three different accounts? If you don’t have a designated emergency savings account yet, consider the Aspiration Spend & Save account. With the Aspiration Spend account, you can earn up to 5% cash back on your debit card purchases. With the Aspiration Save account (where you’ll funnel your tax refund), you can earn up to 11 times the average interest on your savings balance. (The FDIC reports that the average account earns just .09%.) It takes five minutes to sign up for the account. Then, use IRS Form 8888 to designate which accounts you want to send your refund to. 2. Pay Down High-Interest Debt  Credit cards can be dangerous, especially if you miss a payment or two and face high interest rates. So many of us are being eaten alive by credit card interest rates north of 20%.  If you’re paying that much in interest every month, it becomes difficult to pay off the actual money you owe, and you just start treading water financially. So use your income tax refund to pay down your highest-interest debt. You’ll be using the debt avalanche method, where you organize your payments by prioritizing debts with the highest interest rates first. This will save you money in interest over the long term. 3. Boost Your Retirement Savings Your retirement savings could always use a little love, and the miracle of compound interest will help your savings grow and accumulate over the years. Unfortunately, you can’t have your tax refund deposited directly into your 401(k) account, assuming you have one. But you can have the IRS deposit the money into an IRA instead. That’s an individual retirement account, which you can set up and put money into without going through an employer. There are tax advantages, too. Similar to a 401(k), you won’t pay taxes on any money you contribute to a traditional IRA. You can have the IRS direct-deposit your tax refund directly into your IRA. That way it’s out of sight, out of mind, and you won’t spend it on something you’ll regret later. 4. Get a Month Ahead on Rent (or Your Mortgage)  The rent is too high! It’s no secret that housing in the U.S. is becoming less and less affordable. Low-income folks are the worst off here, but middle-income families are also getting squeezed. If you’re like many of us, your selfish need to sleep indoors is eating up a big chunk of your income. With a tax refund, you can do more than keep up. You can get ahead. Use your refund to make an extra month’s rent or mortgage payment (or at least stash it for that purpose).  It’s a simple way to keep your peace of mind in case times get tough again. Mike Brassfield (mike@thepennyhoarder.com) 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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Save 25% on filing your taxes with H&R Block!

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Save 25% on filing your taxes with H&R Block!
Want to save money on filing your taxes? Don’t miss this deal to get 25% off with H&R Block this tax season! {This post is sponsored by H&R Block. Read our disclosure policy here.} Save Money & Time on Tax Prep This Year It’s hard to believe, but tax season is already upon us! If this time of year tends to overwhelm you, be sure to check out H&R Block’s online tax services. H&R Block’s goal is to make filing your taxes easier, less time consuming, and more affordable. And you can use their services on a regular computer or even on your smartphone! Not only are H&R Block’s tax services at least $10 less than TurboTax, but they’re also offering an exclusive discount for Money Saving Mom readers to save an extra 25% off any of their services right now! Choose from four of their affordable, easy-to-use tax solutions: H&R Block Free Online (FREE + Free State Filing) — Designed for people with less complex filing situations, including clients who have W-2 income, kids and rent, as well as students and first-time filers. More people can file for free with H&R Block vs. TurboTax, including parents and students. H&R Block Deluxe Online ($29.99 $23.99 with discount) — Designed for homeowners, people who’ve made charitable donations, and those with HSAs. This version includes six years’ access to tax returns, Deduction Pro® to optimize deductions, and chat support for technical questions. H&R Block Premium Online ($49.99 $39.99 with discount) — Designed for freelancers, contractors, investors, and rental property owners. This version includes all Deluxe features as well as the ability to import expenses from popular expense-tracking apps. It also features cost-basis calculation using advanced filing calculators to help determine the cost basis of your home sale, dividend, and gift and inheritance assets. H&R Block Self Employed Online ($79.99 $63.99 with discount) — Designed for self-employed individuals and small business owners with a home office and/or employee. This version includes all Premium features as well as an improved guided Schedule C interview to ensure a better experience for complex clients. With any of these paid versions of H&R Block, you can add on a state filing for an extra $36.99 cost. You can also opt to utilize their H&R Block Online Assist that offers access to highly trained tax experts to provide the level of help you want or need — with an H&R Block tax expert, IRS enrolled agent, or CPA. And one of H&R Block’s highest priorities is transparency — so you’ll always know upfront exactly how much you’ll be paying for your online tax preparation. If your price changes for any reason during the tax preparation process, you’ll immediately be notified. Save On H&R Block Tax Services Want to try H&R Block tax preparation services this year? I’ve got an exclusive discount for you! H&R Block is offering MoneySavingMom.com readers a 25% discount on any of their tax solutions. Just click here to browse the options and find the right fit for you at a discounted price! [...]
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This Week in Fintech ending 14 February 2020

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This Week in Fintech ending 14 February 2020
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FINRA Issues Investor Alert Regarding Required Minimum Distributions

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FINRA Issues Investor Alert Regarding Required Minimum Distributions
The Financial Industry Regulatory Authority (FINRA) issued an Investor Alert regarding a new law raising the age for required minimum distributions (RMDs). A RMD is the amount an individual must take out of their traditional retirement savings plan to avoid tax penalties, once such an individual has reached the mandatory age for making withdrawals. The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 raises the mandatory age an individual must begin taking RMDs from 70 ½ years old to 72, unless such individual turned 70 ½ years old in 2019. The Investor Alert is available here. [...]
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5 Cellphone Plans That Come With Free Streaming TV

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5 Cellphone Plans That Come With Free Streaming TV
This post comes from partner site WhistleOut.com. All major carriers like AT&T, Verizon, Sprint and T-Mobile now offer incredibly competitive unlimited data plans. In their effort to win your business, these carriers (and some smaller mobile companies) are now offering streaming service as a free perk for signing up for one of their unlimited plans. So, if you’re in the market for an... [...]
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2 Books I Read Last Week, 1 Book I Didn’t Finish (+ the classic movie we watched)

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2 Books I Read Last Week, 1 Book I Didn’t Finish (+ the classic movie we watched)
This post may contain affiliate links. Read my disclosure policy here. Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Want to see all of the books I’ve read so far this year? Check out my Good Reads page. Here are the two books I finished last week… The Path Between Us: An Enneagram Journey to Healthy Relationships If you enjoy all things Enneagram, I definitely recommend this book. It’s an in-depth at each number on the Enneagram and how that number relates and differs with other numbers. I found it insightful, enlightening, and just downright interesting. And while I’d studied a lot about the Enneagram, I learned quite a few new things — especially when it comes to how to better relate with other numbers, communicate with them, and help them to feel seen and valued. It also definitely, definitely confirmed what I already knew to be true: I’m an Enneagram 8 through and through! Also, it sparked some great conversations between Jesse and me about how we interact, how certain things I do can make him want to shut down (he’s a 5), and how we’ve both grown so much healthier as people in the last 10 years. The only thing I will mention is that if you’re new to the Enneagram, I wouldn’t recommend starting with this book. Instead, I’d start with a book like, The Road Back to You. Verdict: 4 stars Building a Story Brand: Clarify Your Message I’ve been to one of Donald Miller’s Story Brand workshops before and it made an indelible mark on how I approach marketing and communication with customers in our business. This book was a good refresher to listen to. If you are a blogger, a business owner, an online entrepreneur, or have any say in the marketing or oversight of the company you work for, I would highly recommend this book. It will likely challenge the way you think when it comes to marketing and change the way you approach doing business. The best part is that this book gives you a really clear-cut action plan and walks you step-by-step through out to implement it. So you don’t just read about the great ideas; you actually know how to put them into practice in your business! Two things I did want to mention: 1) I think this book would be better to read a physical copy of than to listen to as it’s more hands-on and has projects for each chapter. 2) I was a little turned off by the multiple promotions for Story Brand products and services. I understand that the goal was likely to get people to want to invest into some of the higher priced products that Story Brand offers, but I found it to be a turn-off — and it almost merited me bumping the rating of the book down to 3 stars. Verdict: 4 stars Book I Didn’t Finish The Atomic City Girls — Unfortunately, this book was a big disappointment to me. I had high hopes for it, but within an hour or so of listening, I quickly discovered it seemed more focused on the romantic story and details of that than the actual historical details of Oak Ridge. Yes, there were some historical details, but the book continued to sound more and more like a soap opera or tabloid and started going into details about the character’s loves lives that felt too edgy/raunchy for me… so I ended up quitting it. Does anyone have a book to recommend about Oak Ridge that is interesting but also much more historically rich? Classic Movie We Watched Last Week The kids decided — all on their own — that they want to start watching one old classic movie per week together as a family in 2020. They are helping me choose the list of movies and I’ll be reporting here what we watch each week and their thoughts on it. I plan to do a big classic movie round-up post at the end of the year with their verdict on the best and favorites of the ones we watched. (Thank you for all the great suggestions for must-watch classic movies!) Last week, we watched the 1950’s Disney version of Treasure Island. Both girls had read this book in school, so they found that made the movie more interesting. It was a little slow and long (even though it was only 1 hour and 35 minutes, it felt long), but overall we mostly enjoyed it. I will say it’s probably been one of our least favorite classic movies so far. What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
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Online Freelance Summit Offers 36 Hours of Advice Feb. 21-22

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Online Freelance Summit Offers 36 Hours of Advice Feb. 21-22
Good advice is hard to come by.  But for self-employed workers or anyone looking to join their ranks, we found 32 straight hours of good advice in an online summit aimed at helping independent contractors navigate the budding freelance and gig economies. The Independent Contractors & Freelancers Online Summit runs Feb. 21 and 22, from 6 a.m. to 10 p.m each day. The two-day summit concludes National Entrepreneurship Week, a congressionally chartered initiative to spur entrepreneurial education. The event is free and does not require full attendance to participate. Anyone who is “interested in working for themselves should attend, as well as self-employed professionals who want to expand their business,” said event host, speaker and author Angela Heath, aka the Gig Income Guru. “Understanding business practices and advanced strategies to create a profitable business is the major hurdle that the summit will address.” To register, visit the landing page and enter your name and email address. Shortly after registration, you will receive an email confirmation with details about the summit, including access to the list of webcasts over both days. Including Heath, 14 speakers are slated to present. Among them are a mix of entrepreneurs, career coaches, journalists and authors who will guide you through the process of finding a profitable gig, fresh clients and long-term success. Day one focuses on client-wrangling strategies with presentations on: Finding profitable side hustles Navigating the gig marketplace Leveraging the power of LinkedIn, and more Day two dissects freelance-business best practices such as: Understanding financial statements Promoting your freelance business Automating the grunt work Notable speakers include Elaine Pofeldt, journalist and author of The Million-Dollar, One-Person Business. She will present trends from self-employed millionaires. Leading personal finance writer and founding editor of SideHusl Kathy Kristof joins Pofeldt to speak on which side gigs are worth your time – and which aren’t. Heath will cover how to find clients using various gig marketplaces, while speakers Muhammad Faheem and William Craig exemplify the opportunity such gig marketplaces provide – when used intentionally. Both Faheem and Craig leveraged their success on Upwork and Fiverr to springboard their own freelance businesses. FROM THE MAKE MONEY FORUM Financial Fitness February: Day 7 (Big WIN) 2/8/20 @ 12:37 AM Make money from home 2/2/20 @ 12:47 AM Extra money on the side 1/27/20 @ 1:48 PM S See more in Make Money or ask a money question There’s little disputing that the freelance economy is booming. Citing a U.S. Census report, Heath said that solo contract workers now represent three-fourths of American businesses – yet they are often left out of conversations on entrepreneurship. “Most programs totally ignore that one-person businesses are important for the American economy,” Heath said. A recent study by Freelancers Union and Upwork bolsters her case. In 2019, the freelance economy raked in nearly $1 trillion. The report also found that 35% of all U.S. workers, aka 57 million people, freelanced last year.  To join their ranks and to cash in on a skyrocketing industry, be sure to mark your calendars for Feb. 21 and 22. While the live event is free, archived recordings won’t be. Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, entrepreneurship and unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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From chicken drumsticks to paper towels or even a trampoline, you can find just about anything at warehouse clubs like Sam’s. But what if you don’t have any use for a 10-lb bag of sugar or 32 rolls of paper towels? If you drive a lot, a Sam’s Club membership may make sense just based ... Read More about The post appeared first on Penny Pinchin' Mom. [...]
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Pulling back the curtain to shine light on ‘scary’ insurance phrases

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Pulling back the curtain to shine light on ‘scary’ insurance phrases
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How to Keep Your Spirits Up in the Long Game of Saving

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How to Keep Your Spirits Up in the Long Game of Saving
Dreaming of a savings goal is almost always fun — a sunny vacation, the perfect home, a dazzling holiday gift. But think about how long it can take to get there, and all that fun might fade away. Even if you’re doing the right things, such as cutting your expenses or taking a part-time job... Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. The article How to Keep Your Spirits Up in the Long Game of Saving originally appeared on NerdWallet. [...]
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Columbia Men’s Voodoo Falls 590 TurboDown Jacket only $58.98 shipped (Reg. $150!)

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Columbia Men’s Voodoo Falls 590 TurboDown Jacket only $58.98 shipped (Reg. $150!)
This post may contain affiliate links. Read my disclosure policy here. This is a fantastic deal on this Columbia Men’s Voodoo Falls 590 TurboDown Jacket! Columbia has this Men’s Voodoo Falls 590 TurboDown Jacket for just $58.98 shipped right now! Be sure you are logged in to your account (it’s free to join) to get this price! This is regularly $150 and has amazing reviews so this is a hot deal. Choose from four color options. [...]
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Australian Fintech Assembly Payments Lands JV with Standard Chartered Bank

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Australian Fintech Assembly Payments Lands JV with Standard Chartered Bank
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Carter’s Baby 5-Pack Bodysuits only $9.51 at Kohl’s!

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Carter’s Baby 5-Pack Bodysuits only $9.51 at Kohl’s!
This post may contain affiliate links. Read my disclosure policy here. These Carter’s Baby 5-Pack Bodysuits would make a great baby shower gift idea! You can get Carter’s Baby 5-Pack Bodysuits for only $9.51 at Kohl’s right now! Here’s how: Infant Boys or Girls Carter’s 5-Pack Bodysuits – $13.99 (regularly $28.99) Use promo code BABY20 (20% off Baby Clothing & Accessories) Use promo code ROSES (20% off $100+ purchase or 15% off) Choose free in-store pickup $9.51 after codes – just $1.90 per bodysuit! Thanks, Hip2Save! [...]
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15 Purchases That Make Life Easier After 50

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15 Purchases That Make Life Easier After 50
Life gets better as we get older. It may sound trite, but it’s true. As the pressures and insecurities of youth fade, we can finally relax, comfortable in our own skin, and enjoy the simple pleasures and joys of daily life. But it’s silly to deny that as we move into the “back nine” of our lives, we might slow down a bit. Perhaps it’s not quite as easy to open that... [...]
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Being a great advisor

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Being a great advisor
The post Being a great advisor appeared first on ONEtoONE Corporate Finance. [...]
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Getting Your Child Involved in Saving for College

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Getting Your Child Involved in Saving for College
As a parent, you look forward to every milestone in your child’s life. It starts with the first smile. Then there is the first step, the first day of school, and riding a bike. Before you know it, your child is in high school and rapidly preparing for life’s next big step. College. While college ... Read More about Getting Your Child Involved in Saving for College The post Getting Your Child Involved in Saving for College appeared first on Penny Pinchin' Mom. [...]
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Here’s What It’s Like When a Hotel Switches Brands

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Here’s What It’s Like When a Hotel Switches Brands
The next time you check into a hotel, look around carefully. It is amazing the number of branded elements that are in guest rooms, public areas and even behind the scenes. But what is truly interesting to understand is the story about how those branding elements arrived there in the first place. When you reserve... Ramsey Qubein is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Here’s What It’s Like When a Hotel Switches Brands originally appeared on NerdWallet. [...]
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It’s Back!! Buy 2, Get 1 Free Books on Amazon {Includes Many of My Favorite Reads!}

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It’s Back!! Buy 2, Get 1 Free Books on Amazon {Includes Many of My Favorite Reads!}
This post may contain affiliate links. Read my disclosure policy here. Wow! If you love reading, don’t miss this HOT deal on Amazon where you can score Buy 2, Get 1 Free books! Woohoo! This HOT deal is back!! For a limited time, Amazon is running a big Buy 2, Get 1 Free Sale on a huge selection of books! No promo code needed. Just add three books to your cart and one of them will automatically be free. This is a RARE offer and is a perfect time to grab some of your favorite books or a few to give as gifts! There are over 1200 book titles to choose from. The offer also includes movies, music, toys, and games. You can click on “books” on the left sidebar to see just the book titles. Looking for book recommendations? Here are some books included in the sale that I’ve read and enjoyed in the past: Before We Were Yours — This was one of my top 10 favorite reads from 2019. Daring Greatly — This book impacted me deeply and has forever changed how I think and live. Atomic Habits — This is one of the best books on habits that I’ve ever read. I listened to the audiobook for free on Libby and loved it so much that I bought a hard copy — something I rarely do! The Tattooist of Auschwitz — This true story really drew me in and was a beautiful and heart-wrenching story. Rhythms of Renewal — I loved this book enough to ask Rebekah Lyons (the author) to join me on a podcast episode! Wonder — This was one of my top 10 favorite reads in 2017. This book is such a worthwhile read! I read it in two days and can’t recommend it highly enough — especially if you have kids around ages 9-12 Parenting — I really enjoyed this book and appreciated the author’s strong emphasis on the Gospel as that is often missing in parenting books. The Giver — I absolutely loved this story and it was one of my top 10 favorite reads in 2017. Present Over Perfect — This book is one I savored slowly and it was the perfect book for me during my Year of Rest in 2018. The Road Back to You — If you’re interested at all in the Enneagram, I highly recommend this book as a starting place! Hillbilly Elegy — This was a really interesting read, if you can get through all the language. You can see my complete honest thoughts here. The Life Changing Magic of Tidying Up — I thought I was a minimalist. Then I read this book. And the question, “Does it spark joy?” really changed how I approached so much of life! Read more of my honest thoughts here. Uninvited — If you struggle with feeling lonely, left out, or like you don’t belong, please do yourself a favor and get a copy of this book. It’s Not Supposed to Be This Way — If you’re going through a difficult time in life, this book might be a real encouragement for you. Lilac Girls — This is a really compelling, tragic, and gripping story of the horrors of concentration camps. It was one of my top 10 favorite books from 2017. Crazy Love — If you’re a Christian, I cannot recommend this book highly enough. I read it years ago, and it challenged me to pull out of my complacency as a follower of Christ. Big Magic — While I strongly disagree with much of the author’s worldview and some of her insights, her book really challenged me as a creative. I especially loved her thoughts on fear. All The Light We Cannot See — This is a well-written and deeply moving book. I really enjoyed it! The Jesus Storybook Bible — This is our family’s favorite children’s Bible story book. It’s accurate, doctrinally sound, and not filled with nonsense and fluff. We read it out loud to our children when they were younger over and over again. Here are some other popular books included in the sale: The 5 Love Languages The Total Money Makeover The Complete Ketogenic Diet for Beginners The Whole30 Jesus Calling Magnolia Table The Immortal Life of Henrietta Lacks Anne Frank: The Diary of a Young Girl Oh, The Places You’ll Go! The Giving Tree There are also several popular children’s books to choose from: Llama Llama I Love You The Very Hungry Caterpillar Giraffes Can’t Dance Are You My Mother? The Day the Crayons Quit The Pout-Pout Fish Press Here God Gave Us You Love You Forever Chicka Chicka Boom Boom Dr. Seuss Beginner Book Collection Go here to browse all the books included in this sale. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. [...]
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Facts & Figures of Amazon lending and the Goldman Sachs X-factor

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Facts & Figures of Amazon lending and the Goldman Sachs X-factor
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Own Your Solo Act with These Financial Tips for Singles

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Own Your Solo Act with These Financial Tips for Singles
It’s all on you. When you’re single, you don’t have a spouse helping you pay bills or a partner nagging you to spend less and save more. How much money you make and what you do with that cash is up to you alone … and only you deal with the repercussions of your financial mistakes. To live your best life as captain of your own ship, you’ve got to commit to making the right choices. Here are 11 financial tips for singles to heed. 1. Build an Emergency Fund An emergency fund is your safety net when something goes wrong. It’s especially important to have a robust emergency fund as a single person because you don’t have someone else’s savings or salary to tap into if your car breaks down or you get laid off from your job. The common recommendation for an emergency fund is to have three-to-six months worth of expenses saved, but if you’re starting from scratch, develop a smaller-scale goal and work your way up to that amount. This guide on how to start an emergency fund can help. Pro Tip Prioritize your savings by paying yourself first. Setting money aside in a savings account when you get paid. By not letting it sit in your checking account, you’re less likely to spend that cash. 2. Save for Retirement The downside of being single: You don’t have a partner helping you add to your retirement accounts. The upside: You only need enough savings to support one person in retirement, not two. Regardless of your relationship status, contributing to a 401(k) or IRA early and often can help you build a comfortable nest egg for your golden years. We break down how to save money for retirement at various stages of life. 3. Create a Budget When your money isn’t merged with a significant other, you don’t have to worry about anyone questioning your spending decisions. Want to drop $300 on a pair of new shoes? Who’s going to tell you no? But just because you don’t have to answer to anyone doesn’t mean it’s okay to spend without a plan. That’s where having a budget comes in. Your budget will show you if you have enough funds to buy those pricey shoes or if that purchase would derail paying the bills on time. If you’re among the many, many Americans who aren’t in the practice of budgeting, check out these tips on how to budget as a beginner. While you’re establishing your various budget categories and spending limits, make sure to include room for a little fun money. It’s hard to stick to a budget that’s too restrictive and leaves you feeling deprived. 4. Stop Being Loyal to Service Providers You’re a free agent when it comes to dating whoever you want. Applying a similar mindset when it comes to service providers — like your cell phone company or car insurance provider — can help you save money. You don’t have to stay tied down to who you’re with today. Check rates and offers from competing service providers to see if you can get similar service for less. If you’re under contract with your current provider, ask the competition if they’ll pay the fee for you to jump ship. Another option: If you’re satisfied with, say, your internet service but find another company is offering lower rates, use that as leverage to negotiate a better price with your provider. Some companies will meet a competitor’s rate to avoid losing a good customer. 5. Vet Potential Roommates Carefully Taking on a roommate can be a great way to reduce housing expenses. But if your roommate ends up being a bum who’s always late with the rent, you’re in for a heap of trouble. Save yourself the headache and do your due diligence ahead of time by asking these screening questions for potential roommates. Pro Tip If you want the social and financial benefits of roommates without being on the hook if they’re short on rent, consider getting an individual room in a coliving space, like this woman did. 6. Embrace Meal Planning When you just have to worry about feeding yourself, it’s oh so convenient to order something on Grubhub or UberEats and call it a night. But do that multiple times a week and the expenses add up quick. Cooking at home is a more economical solution. When you meal prep, you can save time and money. Cook multiple servings of staples like chicken, rice or potatoes and wash and chop veggies in advance so you can quickly pull meals together throughout the week. Avoid prepping too far in advance, though, so your food doesn’t spoil. Meal planning also works for snacks too. Buy a bulk bag of your favorite munchies and divvy it into individual portions instead of spending more on a bunch of snack-size packages. 7. Be Mindful of Lifestyle Inflation When you get a big raise or unexpected windfall of cash, it might be tempting to go into treat-yourself mode. A new wardrobe. The latest iPhone. Weekly spa treatments. But you shouldn’t give into lifestyle inflation without being prudent and addressing things like debt and saving for retirement.  Does that mean you have to keep that ratty futon from college instead of buying a real couch because you’re still paying back student loans? Not exactly. It just means budget your extra money so you increase your student loan payments and have cash for that furniture upgrade. FROM THE SAVE MONEY FORUM What gadgets have you purchased that you felt really saved you money? 2/11/20 @ 12:05 PM How I save money on pest control 2/4/20 @ 8:50 PM Financial Fitness February: Day 4 (And a Money Saving Tip) 2/5/20 @ 5:05 AM Extreme Couponing Tips to Add More Money Into Your Wallet 2/4/20 @ 12:20 PM See more in Save Money or ask a money question 8. Get an Accountability Partner for Debt Payoff Motivation Paying down debt can be a tedious process. It can help to have someone on your side, keeping you encouraged and steering you back on course when you struggle. An accountability partner does just that. Choose a friend or family member you can confide in about your goals and challenges. Your accountability buddy should be someone who’s not afraid to give you tough love when you need it but who’ll also be your cheerleader throughout your debt payoff process. 9. Have Multiple Sources of Income Losing your job or having your boss cut your hours can be financially devastating when you’re single. Having additional streams of income can ensure you still have money coming in if something happens to your main job. Consider picking up a side hustle, getting a second job or starting an entrepreneurial pursuit. Looking for a way to make more money? You could work from home. We post new job opportunities every weekday. Though you’ll boost your bank account, it requires a bit of juggling to manage more than one job. This woman shares her advice on balancing a side gig with full-time work. 10. Consider if You Need Life Insurance Being single you might think, why would I need life insurance? To be honest, paying into a life insurance policy may not be a priority for you. But if you have kids or have a loan that someone co-signed, getting a life insurance policy is a smart choice. You might also consider getting a policy if you’re a business owner or want to leave something behind for your loved ones. Here’s a run down of the types of life insurance and the best life in [...]
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My 9 Goals For This Week

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My 9 Goals For This Week
(All dressed up for Silent Disco Night at camp!) I could look at last week’s goals list and be discouraged at how little it feels like I crossed off. But then, I look at all that actually happened last week and I can remember that maybe it doesn’t look like I got a lot done, but I focused on people versus projects and being present versus being productive… and I realize that it was a really good week. Last week’s goals: Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading The Path Between Us and Counterfeit Gods. Listen to The Atomic City Girls. (I decided to stop listening to this book because it wasn’t what I thought it was going to be. More details on that on my book review post this week.) Home/Family Goals 3. Read 40 more pages of Carry a Big Stick aloud as a family. (I only ended up reading aloud once and we made it through 10 pages. Hey, that’s something, right?) Work/Blog Goals 4. Finish editing chapters 1-3 and finish the rough draft of chapter 4 of my manuscript.(I only got a chance to work on the book a few times last week between my friend’s funeral and being out of town helping at Youth Group camp all weekend. Here’s to hoping I make more progress this week!) 5. Run a book giveaway on Instagram with some books I’ve already read. Word of the Year Goals 6. Pop popcorn and watch another classic movie as a family. (We watched Treasure Island. Review coming later this week!) We have what looks to be a calmer week this week. We are actually home three evenings out of seven — I can’t remember the last time that has happened! And we don’t have any big things happening this week… well, anything that I know of yet! 🙂 So I’m planning 9 goals and we’ll see how it goes! 2020: Week 6 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading Counterfeit Gods. Listen to Eat That Frog! and Peaceful Parent, Happy Kids. 3. Go to bed by 10:30 p.m. Monday, Tuesday, Wednesday, Thursday, and Friday. Home/Family Goals 4. Read 30 more pages of Carry a Big Stick aloud as a family. 5. Research strollers, baby carriers, and car seats. Decide what we’re going to purchase. 6. Complete 4-hour Foster Care Training. Work/Blog Goals 7. Finish editing chapters 1-3 and finish the rough draft of chapter 4 of my manuscript. Word of the Year Goals 8. Pop popcorn and watch another classic movie as a family. 9. Go to a movie with Jesse. What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
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Do Warehouse Clubs Really Save You Money?

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Do Warehouse Clubs Really Save You Money?
Warehouse clubs have been around for decades, offering members a way to save money on everything from bulk toilet paper and ground beef to big-screen TVs and tires (in the same shopping trip). But even with their cult followings, it can be hard to justify paying a membership fee just to be able to shop ... Read More about Do Warehouse Clubs Really Save You Money? The post Do Warehouse Clubs Really Save You Money? appeared first on Penny Pinchin' Mom. [...]
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How Ignatica is tackling the legacy systems innovation logjam with new technology

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How Ignatica is tackling the legacy systems innovation logjam with new technology
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What’s the Best Airline Credit Card for New York City Travelers?

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What’s the Best Airline Credit Card for New York City Travelers?
You fly out of New York City or the surrounding area. You’re thinking about getting a branded airline credit card. But which one is right for you? If the answer were simple, we’d give it right here and be done with it. But choosing one “best” credit card in NYC is like picking the best... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article What’s the Best Airline Credit Card for New York City Travelers? originally appeared on NerdWallet. [...]
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SEC Proposes Amendments to Financial Disclosure in Regulation S-K and Issues New Guidance

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SEC Proposes Amendments to Financial Disclosure in Regulation S-K and Issues New Guidance
On January 30, the Securities and Exchange Commission voted to propose amendments to certain financial disclosure requirements in Regulation S-K, in an effort to modernize and simplify such requirements. The SEC also issued new guidance relating to key performance indicators and metrics. The SEC has proposed the following amendments and guidance to Regulation S-K: Elimination of Items 301 Selected Financial Data and 302 Supplementary Financial Information To simplify disclosure requirements in light of modern technological developments and reduce the repetition of non-material information, the SEC proposed eliminating the requirements that registrants provide 1) five years of selected financial data and 2) two years of selected quarterly financial data. Amendments to Item 303 Management’s Discussion and Analysis of Financial Condition and Results of Operations The SEC proposed various amendments to Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A), including: adding a new Item 303(a) to succinctly state and clarify the principal purposes of MD&A and streamline the instructions; eliminating the specific requirement to discuss the impact of inflation and price changes, though a discussion of such matters would still be required if the trend shows they have had or are reasonably expected to have a material impact on net sales, revenue or income from continuing operations (Item 303(a)(3)(iv) Results of Operations (Inflation and Price Changes)); replacing the requirement that a registrant discuss off-balance sheet arrangements with a requirement to integrate disclosure of off-balance sheet arrangements within the broader context of MD&A (Item 303(a)(4), Off-Balance Sheet Arrangements); eliminating the requirement to provide a contractual obligations table (Item 303(a)(5) Contractual Obligations); permitting registrants to compare the most recently completed quarter to either the corresponding quarter of the prior year, as currently mandated, or to the immediately preceding quarter (Item 303(b) Interim Periods); and requiring disclosure of critical accounting estimates. Other proposed amendments to MD&A would require disclosure of known events reasonably likely to cause a material change in costs and revenues; codify existing interpretive guidance requiring the discussion of reasons underlying material changes in net sales or revenues and require disclosure of material cash requirements (including capital expenditures commitments); and the anticipated source of funds and general purpose of such material cash requirements. Amendments Relating to Foreign Private Issuers The proposed revisions include parallel amendments to Forms 20-F and 40-F relating to foreign private issuers (FPIs), intending that MD&A requirements for FPIs continue to mirror the substantive MD&A requirements in Item 303 of Regulation S-K. Guidance The SEC also issued new guidance providing that, where registrants disclose key performance indicators or metrics, they should also consider the extent to which additional disclosure relating to the metrics is necessary in light of existing MD&A requirements and to ensure that the presentation of the indicators or metrics, in light of the circumstances under which they are presented, is not misleading. The guidance further provides a reminder for registrants to consider whether they have effective controls and procedures in place to process information related to the disclosure of key performance indicators and metrics to ensure consistency and accuracy. Commenters have 60 days following publication in the Federal Register to submit comments to the proposed amendments, which is available here. The guidance is available here. [...]
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12 Things That Are Cheaper in 2020

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12 Things That Are Cheaper in 2020
Dean Drobot / Shutterstock.com What goes up must come down, right? For some prices, yes. Money Talks News analyzed the Bureau of Labor Statistics’ latest Consumer Price Index data, which is for December 2019, to find out which things actually cost less going into 2020 than they did one year prior. Overall, the price of all things overall rose by 2.3% over the course of 2019... [...]
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*HOT* FREE $10 purchase at Chewy after cash back!!

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*HOT* FREE $10 purchase at Chewy after cash back!!
This post may contain affiliate links. Read my disclosure policy here. Calling all pet owners! This is a RARE deal that TopCashBack is offering right now! You’ll get a $10 purchase at Chewy for FREE after rebate! Are you a pet owner? You won’t want to miss this RARE offer from TopCashBack!! TopCashBack is offering $10 cash back on ANY $10 purchase at Chewy, making it FREE! Here’s how to get your FREE $10 Chewy purchase: 1. Head here for the special Chewy offer and sign up for a new Top Cash Back account. 2. Make a purchase valued at $10 or higher. 3. Within 21 days, your TopCashBack account will be credited with $10 — enough to cover your purchase! 4. After you receive the $10 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 Top Cash Back members only. If you are already a member, you are allowed to sign up another adult in your household. This deal is valid through February 27, 2020. [...]
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How to Get Financial Hardship Help to Avoid Going Into Debt

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How to Get Financial Hardship Help to Avoid Going Into Debt
During a crisis, every decision can feel overwhelming. If you’re facing a sudden hardship — like a divorce, injury or job loss — even asking for financial help can feel like another burden. But the decisions you make during a traumatic event could leave you dealing with long-term financial consequences. That’s what happened to Kelly White, a social worker from New Hampshire and a TPH Community member, who separated from her now ex-husband in 2009.  The couple decided to delay filing for divorce when she found out she had cancer and needed to stay on his insurance. But after she was unable to continue working and the bills started piling up, she said they chose to declare bankruptcy.  “I was exhausted — my body was tired, my brain was tired, my heart was tired,” White said. “At that point, even my few thousand dollars in credit card debt seemed overwhelming.”  That decision ended up affecting her credit — including her ability to rent an apartment — long after the divorce papers were signed. “Were I to do it again, I’d do it differently,” she said. If you’re experiencing a financial hardship and aren’t sure how you’re going to cover your bills, we have ways to avoid debt, even during the tough times. How to Avoid Debt During a Hardship Whether it’s a job loss, divorce, medical emergency or other crisis, hardships can happen unexpectedly and can result in serious financial consequences.  Here are some ways to help you weather rough waters while keeping your financial boat afloat. 1. Budget for a Reduced Income If you were getting by on two incomes, the sudden loss of one of them — whether it’s due to a layoff, an injury or separation — could cause real anxiety when it comes to figuring out how to cover your bills. It’s not the time to panic. It is the time to budget. Quickly assess where you are financially by writing down your current income and expenses on one page. Need some help getting started? Follow these five steps to manage your money on a reduced income. 2. Enroll in a Credit Card Hardship Program Credit card companies don’t typically advertise that you can adjust your payment schedule or even stop paying your bill if you’re experiencing temporary but serious financial issues. A credit card hardship program is basically just a payment plan for your credit card — albeit one that’s probably more forgiving than your current payment schedule.  Programs vary by lender, so it’s important that you call yours to ask about the terms and explain why you need temporary relief. It might not be the most pleasant call, but it’s better than emerging from a crisis only to find a mountain of credit card debt on the other side. FROM THE DEBT FORUM The Snowball Method for Paying Off Debt 1/11/19 @ 7:58 AM I have $30k in credit card debt, and I'm unemployed. 1/3/20 @ 9:29 AM J Car loans 2/5/20 @ 10:08 AM Emergency debt 1/30/20 @ 10:14 AM See more in Debt or ask a money question 3. Ask for Help With the Rent or Utility Bills An unexpected medical bill or home repair can be a burden to pay on its own, and the consequences can radiate into other parts of your financial life. If you’re unable to pay a bill due to unforeseen circumstances — a medical emergency, death in the family or loss of a job — an organization called Modest Needs may be able to help. This non-profit provides small grants to deserving individuals who would otherwise be capable of paying their expenses and aren’t eligible for other kinds of social assistance. To learn about how to apply and find out which expenses are covered, check out how Modest Needs can help you pay your bills. 4. Find a Side Gig to Cover Expenses If the hardship is directly related to your income — like you just got fired — you could be scrambling to come up with enough money just to keep the lights on and food on the table. If you’re looking for another job right away, we have plenty of tips for conducting a job search. It never hurts to know what’s out there. Work-from-home job opportunities abound. Find yours in our portal, updated every weekday. But if you need to find something in the immediate future, a side hustle could provide a quick way to make money — and could be a way for you to explore a new career.  And if you’re too overwhelmed to start thinking about how to get cash rolling in, we found plenty of easy ways to make extra money. 5. Negotiate Medical Bills An emergency medical situation can be overwhelming, confusing and exhausting — not to mention financially draining.  As hard as it may be to believe, healthcare institutions aren’t out to intimidate you and take all your money — at least, not in the beginning. And almost all of them will accept less than the full amount owed — but you have to ask. Follow these step-by-step strategies when you can’t afford your medical bills. 6. Set Up a Plan for Your Student Loans A crisis is not the time to stick your head in the sand, particularly when it comes to student loans. Unlike credit card debt or medical debt, debt from federal student loans can follow you until death. And if you default on a student loan — that happens after you’ve missed payments for 270 days (or about nine months) — the government can collect on the debt by garnishing your wages or income tax return refunds.  But if you lose a source of income suddenly and you’re facing payments on your federal student loans, you can ask for a break. Pro Tip If it’s all too much, student loan forgiveness or discharge are options for wiping out your debt. But they’re not quick fixes: These programs typically take years and have specific qualifications. That break can come in the form of an income-driven repayment plan that reduces your student loan payments. And if the situation is more dire, you can consider requesting a deferment or forbearance.  None of these options will wipe out your student loan debt and can pile on additional interest, but they can give you the necessary breathing room after a tragedy to gather yourself financially and get back on track.  And surviving a hardship with less debt will make the next crisis that much easier to weather. Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Read her bio and other work here, then catch her on Twitter @TiffanyWendeln. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Security Token news for Week ending 7 February 2020

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Security Token news for Week ending 7 February 2020
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Life Update: Pregnancy update (28 weeks) + Camp No Boys Allowed

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Life Update: Pregnancy update (28 weeks) + Camp No Boys Allowed
28 weeks! Third trimester, baby!!!! Highlights This week I felt quite a bit better than last week — and I had a good week last week so that was unexpected to have an even better week this week!! Last week, mentioned having a lot of pelvic pressure. To my big surprise, the pressure was almost non-existent this week — I think maybe the baby moved up some + I sat on the exercise ball a lot and went to the chiropractor?? I still can’t believe I’m 28 weeks pregnant and feeling as great as I am! Notable I had my last monthly appointment with my OB. Now, I’m moving to every 2 weeks until I get to 36 weeks and then it will be every week until the baby arrives!! My appointment went great and I’m measuring right on track. The weeks are still going by quickly and I’m so grateful! Some days, I do miss the pregnancies when my kids were little and I could spend a lot more time resting because our life was much quieter. But most days, I’m so grateful to be in this season with multiple activities every day and people coming in and out of our house + full-time work I love so much, so many opportunities to pour into people, hang out with friends, & be involved in our church. Cravings My appetite has picked up even more again — it feels like baby is going through a growth spurt! Since all of the third trimester is a growth spurt, this might be par for the course for the next number of weeks… until I completely run out of room for my stomach. Weight gain: 20 lbs. Kaitlynn and I spent Friday night through Sunday afternoon at our church’s girls’ youth group camp called Camp No Boys Allowed. (I co-lead one of the 8th grade girls’ groups.) We spent the weekend laughing, having deep conversations, listening to messages, more late-night talking, eating too much junk food, a Silent Disco Night, a Musical competition, and lots of games. I came home tired, but so, so happy I get the honor of helping to lead and pour into these girls. I love them and their hearts and their personalities so much! They performed a song from The Sound of Music for the competition. Aren’t they beautiful??! Their hearts are even more beautiful! [...]
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Taking a Disney Trip? Here Are Two Key Budget Hacks

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Taking a Disney Trip? Here Are Two Key Budget Hacks
Between the ages of 7 and 21, I visited the happiest places on Earth — Disneyland and Disneyworld — a total of five times. My first four times, my mom paid for my trips/tickets. For my fifth visit, I was actually paid (in per diem) to go to Disneyworld by my college to compete in ... Read More about Taking a Disney Trip? Here Are Two Key Budget Hacks The post Taking a Disney Trip? Here Are Two Key Budget Hacks appeared first on Penny Pinchin' Mom. [...]
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Blunt Truths About Medical Expenses, Marijuana and Your Tax Return

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Blunt Truths About Medical Expenses, Marijuana and Your Tax Return
If costly medical or dental bills have you feeling sick, there’s a potential tax-time antidote: the medical expense deduction. This can help many taxpayers cut their tax bills — if they know how it works. Two tax pros explain how to diagnose your medical bills and make your tax situation a little healthier. Some things... Tina Orem is a writer at NerdWallet. Email: torem@nerdwallet.com. The article Blunt Truths About Medical Expenses, Marijuana and Your Tax Return originally appeared on NerdWallet. [...]
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Bernar de la Hera: “Working in ONEtoONE brings you more professional freedom”

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Bernar de la Hera: “Working in ONEtoONE brings you more professional freedom”
The post Bernar de la Hera: “Working in ONEtoONE brings you more professional freedom” appeared first on ONEtoONE Corporate Finance. [...]
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Brigette’s $91 Grocery Shopping Trip and Weekly Menu Plan for 6

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Brigette’s $91 Grocery Shopping Trip and Weekly Menu Plan for 6
Aldi 1/2 gallon Orange Juice – $1.59 1/2 gallon Unsweetened Almond Milk – $1.65 1 gallon Whole Milk – $0.97 1 32-oz carton Half and Half – $1.55 1 box Butter Quarters – $2.58 1 box Rice Squares – $1.49 1 pkg Plain Rice Cakes – $1.45 1 32-oz carton Egg Whites – $2.95 1 jug Pancake Syrup – $1.29 1 jar Chicken Bouillon Cubes – $1.69 1 jar Beef Bouillon Cubes – $1.69 1 jar Hot Sauce – $1.53 1 jar Chili Powder – $0.79 1 jar Onion Powder – $0.79 1 4-lb bag Sugar – $1.73 2 loaves Sandwich Bread – $1.34 1 pkg Flour Tortillas – $0.95 1 10-lb bag Fresh Chicken Leg Quarters – $4.99 1 jar Green Olives – $0.79 3 cans Green Beans – $1.14 1 pkg Romaine Hearts – $2.29 1 bag Mini Sweet Peppers – $2.69 1 pkg Zucchini – $1.17 1 Cauliflower – $1.99 1 bag Lemons – $2.09 1 pkg Mini Cucumbers – $1.99 1 pkg Broccoli Crowns – $1.979 1 large tube Organic Spring Mix – $3.49 1 2-lb bag Shredded Cheddar Cheese – $4.99 1 2-lb bag Shredded Mozzarella Cheese – $4.99 1 pkg Deli Sliced Cheese – $1.33 1 tub Goat Cheese Crumbles – $2.19 1 pkg String Cheese – $1.99 1 24-oz carton Cottage Cheese – $1.55 1 16-oz pkg Deli Meat – $2.85 1 pkg Pepperoni – $2.09 1 pkg Turkey Bacon – $1.89 2 bags frozen Steamed Mixed Vegetables – $1.14 2 pkgs frozen Broccoli Florets – $1.92 1 carton Grape Tomatoes – $1.49 1 jar Salsa – $0.79 1 jar Spaghetti Sauce – $0.85 2 cans Biscuits – $1.90 3 dozen Eggs – $2.88 Total: $85.29 Harris Teeter I got all of the above for $5.88 during 3-day Double Dollar Coupons last weekend. I’m not including the coupon links as the prices are no longer valid, but I am including this in my grocery total this week. Total: $5.88 Grocery Total for the Week: $91.17 Weekly Menu Plan Breakfasts Everyone is responsible for making/cleaning up their own breakfasts. Choices include: Cereal, Toast, Fruit (we have lots of leftover fruit from the last few weeks), Cottage Cheese, Scrambled/Boiled/Fried Eggs, Veggie Omelets, Smoothies Lazy Monkey Bread  (for a brunch with friends on Saturday) Lunches Deli Meat/Cheese Sandwiches, Apples, Cucumbers x 2 Cooked Pasta with Shredded Cheese, Oranges, Carrots/Mini Peppers x 2 Leftovers x 3 Dinners Crustless Broccoli, Bacon and Cheddar Quiche, Biscuits, Applesauce Chicken Noodle Soup, Dill Bread Shredded Venison BBQ on Homemade Buns, Roasted Broccoli, Tossed Salad Crispy Baked Chicken, Tossed Salad, Roasted Cauliflower, Creamy Milk Rice Date Night Out (kids eat Grilled Cheese and Green Beans at home) Pepperoni Pizza, Mixed Vegetables, Tossed Salad Leftovers [...]
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This Week in Fintech 7th February 2020

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This Week in Fintech 7th February 2020
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Afternoon Deals: Saturday, February 8

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Afternoon Deals: Saturday, February 8
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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How to Afford Being a Stay At Home Mom

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How to Afford Being a Stay At Home Mom
Want to be a stay at home mom, but worried about the financial implications of transitioning to one income? This post is full of practical advice and helpful encouragement on how to afford being a stay at home mom! Guest post by Kristine of SurvivingMoms.com: Giving up a full-time or part-time salary isn’t easy, but my sisters and I wanted to stay home with our kids. To make it happen we knew we needed to get creative with lowering our monthly expenses. Here are 19 things we did (and still do) to save money: We Cut Hair Ourselves: Even at Walmart a haircut for a child costs $12 — and that doesn’t include tip! Instead of going to the hairdresser, we ordered some nice clippers off Amazon and now we cut everyone’s hair at home as often as we need to. We Use Grocery Pick-Up: We love using grocery pick-up! It is convenient and saves us money as it helps us avoid impulse shopping. We also love that every time we add an item to our cart, we can see the total go up; this allows us to decide if we really need that item this week or if it can wait. We save an average of $20 per week by using pick-up only! We Don’t Eat Out: Eating out can blow a monthly budget really quickly! We plan a weekly or monthly menu for our family and stick to it. We try to cook our meals at home no matter how good take-out sounds. We also try to get the whole family involved by giving each kid a job to do. Dinner tastes so much better when you are proud of what you have made — and that goes for kids, too. Psst! Check these extra tips to help you stop eating out! We Buy Used Clothing: We buy gently used clothes for our children. Shops like Once Upon a Child, Goodwill, Facebook Marketplace, and garage sales are great places to start! See if there is a friend or family member that you can swap clothes with. This has been a huge blessing to our family. We Sell Outgrown Clothing: We sell our outgrown clothes at a local kids’ consignment shop and then get store credit, which usually offers more money to buy the next size up for our kids. We Use the Honey Extension: We installed Honey on our computers and it will alert us when items get marked down and if it’s a good time to buy. You are able to see the price trends and if there are available promo codes you can use. We love using Honey! We Watch for Christmas Deals Year-Round: Rather than shopping for Christmas presents in November and December, we look for deals all year. It is easy to get pulled into impulse buying with all the advertising during the Christmas season. We Buy Used Items off Amazon: When we find an item we want to purchase off Amazon, we check to see if they have the same item “Like New” or “Used, Very Good.” These items were typically opened and returned. We have had great success finding brand new items marked down this way! We Ask Before we Buy: Shopping online is SO easy… maybe a little TOO easy! To reduce impulse purchases, we wait and talk to our spouses before we purchase something. This makes us aware of what we are spending our money on, plus it allows us to say whether or not we think it is the right use of our money. We Make Our Own Baby Food: Baby food is expensive. Pinterest has lots of recipes for making your own healthy baby food at a fraction of the cost of buying it from the store. We Canceled Cable and DirectTV: This is an expensive monthly bill that isn’t necessary. We have used Hulu, Netflix, Prime Video, and Disney Plus instead of cable, so we can still enjoy our favorite shows and movies while paying significantly less. We Switched to an Off-Brand Cell Phone Service: We have our cell phone bill down to $50 a month for two smartphones with 5 GB of data each. Honestly, the service isn’t as good. We do drop calls frequently. We mostly text though, and it was worth the annoyance to lower our monthly bills. {Psst! Looking for an inexpensive option? Twigby has phone plans that start as low as $9 per month!} We Implement Meatless Monday: Meat is one of the biggest expenses in a grocery budget. Having a meal once a week without any meat allows us to lower our grocery budget significantly. If you need some inspiration, try one of these great meatless meal ideas! We Share One Vehicle: When possible, we share a vehicle with our spouse. This cuts down on gas, car insurance, and other car-related expenses. It’s hard at first but worth it when we look at the savings. We Always Look for Free Activities: We take advantage of free classes/activities offered by our local libraries. Hiking, visiting National Parks on free days, and bike trails are other activities we regularly have on our schedules. We Make Coffee at Home: We make coffee at home instead of buying one at the local coffee shop. Even using a Keurig at home only costs 26 cents per cup compared to almost $2 per cup. This adds up when we start each day with six cups a cup of coffee. 😉 We Look for Coupons: We compare ads and use coupons or store apps when grocery shopping. We also plan our menus based around meat that is on sale that week. We Use Groupon: We shop Groupon in advance to buy tickets and get the best deals. We used Groupon to get a great deal on tickets to Sky Zone for the whole family. We Use Cashback Sites: We use cashback sites like Rakuten to stretch our shopping budget by getting money back on online purchases. These are just a few of the many ways we save money every single day. These little (and big) savings all add up to allow my sisters and I to stay home with our children! What are some of your favorite tips on how to afford being a stay at home mom? Katie, Nicole, and Kristine are sister-in-laws with eight kids between them. They now blog at SurvivingMoms.com about mom survival tips, what is helping them get through their days with their kiddos, and how their true hope and encouragement comes from knowing their Savior, Jesus Christ. [...]
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Huge Savings on Succulents and Live Plants!

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Huge Savings on Succulents and Live Plants!
This post may contain affiliate links. Read my disclosure policy here. Today only, Amazon is offering huge savings on Succulents and Live Plants! Here are some deals you can score… Get this Pack of 20 Succulents for just $29.99 shipped! Get this Variety Pack Mini Succulents (6 count) for just $17.99! Get these Ionantha Hand Selected Variety Pack of Air Plants for just $11.99! Shop the Succulent and Live Plant sale here. Valid today only, February 7, 2020. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. [...]
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Speaking of Blockchain, what of its place in insurance?

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Speaking of Blockchain, what of its place in insurance?
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SEC Designates Decision Deadline for Proposed Off-Floor Position Transfer Rule Changes

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SEC Designates Decision Deadline for Proposed Off-Floor Position Transfer Rule Changes
On January 21, the Securities and Exchange Commission published in the Federal Register a release (Release) regarding Cboe Exchange, Inc. rule changes. The Release indicates that SEC must approve or disapprove Cboe rule changes regarding off-floor position transfers (Proposed Rule) by March 19. The SEC moved the original January 19 deadline to March 19 in order to further consider, among other items, issues raised during the comment period and related SEC proceedings (Proceedings). (For additional information regarding the Proceedings, please refer to the November 1, 2019 edition of Corporate & Financial Weekly Digest.) The Release is available here. [...]
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5 Ways to Get a Free Smartphone This Month

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5 Ways to Get a Free Smartphone This Month
This post comes from partner site WhistleOut.com. Get a free phone from your next mobile carrier! Sounds too good to be true, right? But it’s legitimate. One way that major mobile providers like AT&T, Verizon, Sprint and T-Mobile woo you to their plans is by offering free or discounted phones to customers who switch to them from another carrier. Sometimes existing customers can qualify... [...]
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3 Books I Read Last Week + 1 Classic Movie Watched Watched

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3 Books I Read Last Week + 1 Classic Movie Watched Watched
Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Want to see all of the books I’ve read so far this year? Check out my Good Reads page. The Year of Less Full disclosure, I’d never heard of this book until I happened to see it on Libby. The subtitle (How I Stopped Shopping, Gave Away My Belongings, and Discovered Life Is Worth More Than Anything You Can Buy in a Store) intrigued me so I downloaded it. I almost turned it off during the first few chapters, but I’m actually happy I went ahead and finished listening to it. Why? Because the author is so different than me and it was truly insightful to help me understand more what it’s like to be a spender or to have an addiction to shopping/spending. (I could not relate to most of any of her struggles, but it really gave me such a helpful look into what it’s like to feel such a need to shop/spend money.) The book shares a lot of the author’s story and background, so some people might not enjoy the memoir-ish parts of it if you’re just looking for practical advice and encouragement to live with less. However, if you enjoy reading about how someone is seeking to make radical changes in their life and the resulting struggles, temptations, and triumphs, this might be a good read. Verdict: 3 stars Originals: How Non-Conformists Move the World This is a much more head-y and data-driven book that I usually enjoy. But I’m glad I listened to it because it made me think deeply about various aspects of my life. There are so many different things I could share from the book, but a few that really stood out to me were: The conversation about how birth order can affect whether you are a rebel or a conformist. The author’s insights on how procrastination can actually be a positive, helpful thing. (Yes, for real!) The section on how it’s important to produce a lot of work if you want to produce a few really great works. And the encouragement to acknowledge cynicism people would feel versus trying to pretend it doesn’t exist (this was in the context of a business pitch, but it could apply in many realms. Verdict: 3 stars Not So Perfect Mom A lot of this book was repeat material I’ve read/heard elsewhere, so I didn’t get many new insights from it. I also felt like it stayed rather surface-y in sections (which surprised me considering the author is a licensed counselor) and bordered on being a little legalistic in others. That said, I did appreciate the author’s insights on how a mother’s love can deeply affect her child in such positive ways. I also gleaned from her encouragement to really invest in your kids when they are little and how that impacts the rest of your child’s life. One of my favorite quotes was: “You cannot have lifelong, heart-connected relationship with someone if they feel like they are a failure when they are with you.” (Such a good reminder and it goes along with something I’ve been trying to practice in my parenting.) Verdict: 2 stars Classic Movie We Watched This Week The kids decided — all on their own — that they want to start watching one old classic movie per week together as a family in 2020. They are helping me choose the list of movies and I’ll be reporting here what we watch each week and their thoughts on it. I plan to do a big classic movie round-up post at the end of the year with their verdict on the best and favorites of the ones we watched. (Thank you for all the great suggestions for must-watch classic movies!) This week, we watched the original That Darn Cat movie. I had never heard of it, but a bunch of you recommended it, so I figured we’d give it a try. Now here’s the full disclosure on it: I fell asleep 20 minutes into the movie. Not because it was boring, but because I was exhausted. However, our kids + the 10-year-old girl we were fostering last week all enjoyed it. And the parts I saw had some genuinely funny moments. I want to watch the newer movie (well, after I go back and actually stay awake through the original one!), but I heard from some people that it wasn’t as good. Have you seen it? Would you recommend it? What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
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Two Projects You Can DIY (and 1 You Should Almost Never)

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Two Projects You Can DIY (and 1 You Should Almost Never)
You might not think you’re handy, but there’s plenty you are capable of doing. Anyone who can manage more than one schedule and figure out how to put booties on a fussy baby can do just about anything. While there’s something to be said for the sense of accomplishment that comes with finishing a home ... Read More about Two Projects You Can DIY (and 1 You Should Almost Never) The post Two Projects You Can DIY (and 1 You Should Almost Never) appeared first on Penny Pinchin' Mom. [...]
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How Much Should I Spend on Rent?

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How Much Should I Spend on Rent?
Before you start scanning Craigslist and Zillow for rental options, determine how much you can truly afford. Here are a few ways to figure that out. The 30% rule One popular rule of thumb is to spend around 30% of your gross income on rent. So if you earn $2,800 per month before taxes, you... Kelsey Sheehy is a writer at NerdWallet. Email: ksheehy@nerdwallet.com. The article How Much Should I Spend on Rent? originally appeared on NerdWallet. [...]
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Sign up for the FREE 21 Days of Leggings Challenge!

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Sign up for the FREE 21 Days of Leggings Challenge!
I know, I know. Leggings can be a bit controversial. Some people love them, some people loathe them. Personally, I’m in the loving leggings camp — especially in my pregnancy. Truth be told, I’ve worn almost nothing but leggings and tunic type tops for the last 3 months! (Some of you probably just fell out of your chair in shock that I would be so boring or casual all the time!) I’ve found lots of cute ways to dress them up and dress them down, depending upon the occasion. And I don’t even think most people have noticed that I’ve been living in them for three months. 🙂 If you love leggings, but you’re looking for some cute ways to wear them, you’ll want to sign up for the 21 Days of Leggings Challenge. It’s FREE to join and you’ll get a PDF with lots of stylish ways to put together outfits. I love the Outfit Formulas from Get Your Pretty On. And I especially love that this PDF of Outfit Formulas combines two of my favorite things: leggings and FREE! Go sign up for the FREE 21 Days of Leggings Challenge here. By the way, you don’t have to commit to the 21-day challenge if you sign up (unless you want to, of course). But I promise it will inspire you with some fresh new ideas of ways to wear one of the comfiest types of pants ever created! [...]
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Buy Now Pay Later Player OpenPay Diversifies Revenue As Regulatory Headwinds Increase For Sector

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Buy Now Pay Later Player OpenPay Diversifies Revenue As Regulatory Headwinds Increase For Sector
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Dominique Gazel-Anthoine: “Each closing is my most successful operation”

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Dominique Gazel-Anthoine: “Each closing is my most successful operation”
The post Dominique Gazel-Anthoine: “Each closing is my most successful operation” appeared first on ONEtoONE Corporate Finance. [...]
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iRobot Roomba 677 Wi-Fi Connected Robot Vacuum only $211.99 shipped (Reg. $400!)

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iRobot Roomba 677 Wi-Fi Connected Robot Vacuum only $211.99 shipped (Reg. $400!)
This post may contain affiliate links. Read my disclosure policy here. Wow! This is a great price on this highly rated iRobot Roomba 677 Wi-Fi Connected Robot Vacuum! You can get this iRobot Roomba 677 Wi-Fi Connected Robot Vacuum for just $211.99 shipped at Kohl’s right now! Here’s how: Buy Roomba 677 Vacuum – $329.99 (Reg. $399.99) Use code HOMEGOALS for $10 off $50 Use code TAKE15 for 15% off Get FREE shipping Pay $271.99 out of pocket, Get back $50 Kohl’s Cash + $10 Yes2You Rewards Like paying $211.99 shipped after codes, cash and rewards Thanks, ChaChingOnAShoestring! [...]
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YETI Rambler 18oz Bottle only $22.49, plus more!

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YETI Rambler 18oz Bottle only $22.49, plus more!
This post may contain affiliate links. Read my disclosure policy here. Love YETI products? Check out these hot deals on Amazon right now! If you love YETI, don’t miss these RARE discounts!! Amazon has this YETI Rambler 18oz Bottle for just $22.49 right now (regularly $29.99)! Choose from Navy, Black or Stainless. You can also get this YETI Rambler Vacuum Insulated Stainless Steel Colster for just $18.74 (regularly $29.99)! Choose from Black, Clay, Navy, Peak Purple, River Green, Seafoam or Silver. Or get this YETI Rambler 36 oz Vacuum Insulated Stainless Steel Bottle for just $37.49 shipped (regularly $49.99)! Choose from Black, Brick Red, Charcoal, Clay, Navy, Peak Purple, River Green, Seafoam, or Stainless Steel. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. [...]
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Cryptocurrency religions: Will altcoins survive?

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Cryptocurrency religions: Will altcoins survive?
Bitcoin was the first and every other cryptocurrency came from it. Will Bitcoin survive? Will altcoins survive? This has been a heated debate with one side predicting the demise of the other. Bitcoin maximalists claim that we are heading to Bitcoin dominance and that altcoins are dying, urging the people to sell their positions in other crypto assets to put it all in Bitcoin. In a tweet last year, Charlie Lee wrote: “Some self-proclaimed Bitcoin Maximalists, are actually Bitcoin Extremists. They think all other coins are scams and will go to zero. Maximalists think Bitcoin is and will remain the dominant cryptocurrency, but there is room for altcoins to exist and even do well. What are you?” Ilias Louis Hatzis is the Founder at Mercato Blockchain Corporation AG and a weekly columnist at DailyFintech.com. Bitcoin and other cryptocurrencies have become a belief system. Faith in the value and power of cryptocurrencies is good. But just like different religions, every cryptocurrency is on its own path to the truth. On January 2019, Roger Ver, posted: Coinism is the new nationalism. pic.twitter.com/v4RP2swRre — Roger Ver (@rogerkver) January 5, 2019 Like Orthodoxy in some religions, people tend to become extreme and intolerant to any other faith and deviation from the original. In the cryptocurrency world, these people are called “maximalists”. A maximalist is a person that has extreme views and is not prepared to compromise. In his tweet Ver, a Bitcoin Cash evangelist, posted a picture of two identical sides, where “ours” has only good attributes, and “theirs” is shit. Bitcoin’s dominance is unquestionable, its market cap is 8 times bigger from Ethereum, the second cryptocurrency. Yet, there’s not one truth in the path to enlightenment. The fact is that as blockchain and cryptocurrency technology develops, we’re going to see many alternatives. As different cryptocurrencies make technology choices and trade-offs, trying to solve problems, we will see different coins occupy different niche markets. Even at the top it’s it’s going to be crowded, with at least two or three competitors in every application you can imagine. We’re not going to end up with one system that does everything. That doesn’t make sense with this technology. When you look at the evolution of cryptocurrencies, initially we had one, Bitcoin. Since we’ve seen the appearance of hundreds of coins, now thousands and in the future we will even see tens of thousands. The growth of new blockchains and tokens, doesn’t seem to be slowing down. In the last decade a thousand coins died, while close to 3,000 are still in existence. Number of cryptocurrencies You can expect to see more failures and initiatives come and go, just like we saw in the 90s dotcom market.  But this is great from a technology perspective, because it only contributes to the evolution of the industry. Keep in mind that just because there are many alternatives, it doesn’t mean that every coin listed on Coinmarketcap.com is worth looking at or even buying. In the crypto market there are no barriers that would stop someone from building something different or allow someone to build a monopoly. That’s one of the great aspects of this market, its openness. The competition to create the best cryptocurrency has sparked an evolution that led to forks, birthing new cryptocurrencies such as Bitcoin Cash, Bitcoin SV and Bitcoin Gold, to name a few. The idea that an environment of multiple competing cryptocurrencies is undesirable, is just wrong. While Bitcoin has clearly outperformed most cryptocurrencies, to expect that this will always be the case strikes me as stupid. Cryptocurrencies keep on increasing because of our desire for constant improvement. Having several thousand cryptocurrencies isn’t a bad thing. Each represents a solution to a different problem. While many are still ahead of their time, as technologies and communities mature, they will begin to disrupt industries like never before. IOTA, which uses a blockchain-like variation, is working to connect IoT devices. Using this network, your car will be able to interact with sensors and devices all around the city you live in. The “Ethereum Virtual Machine” (EVM) is capable of running smart contracts that represent financial agreements, employment contracts, and act as trusted escrow for the purchase of high value items. Even if some coins don’t stand the test of time, they will surely influence the direction of cryptocurrencies to come. We love some and hate others. Freedom offers choices and this is what cryptocurrency is all about. Image Source Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post Cryptocurrency religions: Will altcoins survive? appeared first on Daily Fintech. [...]
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My 6 Goals For This Week

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My 6 Goals For This Week
Psst! I’m giving away this stack of books on Instagram tomorrow morning. If you’re not following me there, you should be so you can enter to win! I didn’t accomplish a whole lot off my goals list last week, but I did accomplish a lot that mattered — investing in the kids/Jesse, investing in my local community, doing respite care for a 10-year-old girl while her foster mom was out of town, launching my 4-Week Blog Coaching Program, working on my book, making family memories, and making sure to take care of my health. So I’ll call it a win — even if it doesn’t look like it on paper. Some weeks are like that, aren’t they? 2020: Week 5 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading The Path Between Us and Not So Perfect Mom. Finish listening to Originals: How Non-Conformist Move the World. Home/Family Goals 3. Read 40 pages of Carry a Big Stick aloud as a family. Work/Blog Goals 4. Edit introduction through chapter 3 of my manuscript. Word of the Year Goals 5. Pop popcorn and watch another classic movie as a family. This week is another full week. We have something going on every night, we have some extra things going on during the day, and I’m headed to camp with Kaitlynn and the rest of my 8th grade girls’ group from Youth Group this weekend. I’m also noticing that I am having to slow down and rest a lot more now that I’m entering my third trimester. My energy just isn’t what it usually is and I need more sleep and naps. So, once again, I’m keeping my list short! 2020: Week 5 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading The Path Between Us and Counterfeit Gods. Listen to The Atomic City Girls. Home/Family Goals 3. Read 40 more pages of Carry a Big Stick aloud as a family. Work/Blog Goals 4. Finish editing chapters 1-3 and finish the rough draft of chapter 4 of my manuscript. 5. Run a book giveaway on Instagram with some books I’ve already read. Word of the Year Goals 6. Pop popcorn and watch another classic movie as a family. What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
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50 Diverse Takeaways from Davos WEF2020

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50 Diverse Takeaways from Davos WEF2020
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SEC Division of Corporation Finance Issues C&DIs on Omission of Third Year From MD&A

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SEC Division of Corporation Finance Issues C&DIs on Omission of Third Year From MD&A
As previously discussed in the April 12, 2019 edition of Corporate & Financial Weekly Digest, the Securities and Exchange Commission adopted final rules on March 20, 2019, that allow registrants to omit a discussion and analysis of the earliest of the three years of required financial statements from the Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A) section of their annual reports. Omitting that section from the annual reports filing with the SEC is permissible so long as the discussion of such year is already included in an earlier SEC filing and the registrant includes a statement identifying the location of such discussion in the prior filing. On January 24, the staff of the SEC’s Division of Corporation Finance (the Staff) issued three Compliance and Disclosure Interpretations (C&DIs) to address questions related to the final rule. C&DI 110.02. The Staff clarified that a statement in a registrant’s filing identifying the location of where the omitted information can be found in a prior filing, in reliance on the rule amendment, does not have the effect of incorporating such prior disclosure by reference, unless the registrant’s current filing expressly provides that the information is incorporated by reference. C&DI 110.04. The Staff further clarifies, that, when a company updates an effective registration statement by filing a Form 10-K in which the discussion of the earliest of the three years is omitted and there is a statement identifying the location of the discussion in a prior filing, the prior discussion would not be incorporated into the updated registration statement, unless the registrant’s current Form 10-K filing expressly provides that the information with respect to such omitted year is specifically incorporated by reference. C&DI 110.03. This provides that a registrant may not omit a discussion of the earliest of the three years of financial statements in a filing, in reliance on the rule amendment, if the registrant believes that such discussion would otherwise be required in order to understand the registrant’s financial condition, changes in financial condition and results of operations. In such case, the registrant must either expressly incorporate the discussion by reference from a previous filing or include the discussion in the current filing. The new C&DIs are available here. [...]
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Afternoon Deals: Sunday, February 2

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Afternoon Deals: Sunday, February 2
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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Pregnancy update (week 27) + some posts you might have missed

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Pregnancy update (week 27) + some posts you might have missed
27 weeks! And I feel like I’m carrying really low — can you tell that here? (Aside from the pelvic pressure, I’m not complaining one bit because it means that I actually still have some space underneath my lungs!) Highlights This past week was a super full week. In addition to the usual routine of working full-time and writing my book, we had activities every night but one night, Kathrynne celebrated her 15th birthday, and we did respite care for a sweet 10-year-old girl all week whose foster mom was out of town. So I think the highlight for me was just making it through with a smile still on my face. I worked hard to prioritize rest and down time, because I need 2-4 times the amount of downtime that I usually do right now or I just end up completely exhausted. Notable I started drinking Red Raspberry Leaf tea this week, we got a crib from friends, got our pack-n-play/bassinet in the mail, and got a box of diapers. It’s really starting to get real!! My chiropractor has been such a Godsend as I’ve been having back and shoulder pain (to be expected as my belly grows larger!) and she’s helping me with different things to minimize it. This is my first pregnancy to regularly go to a chiropractor and I’m a huge fan! Cravings I’ve been eating a lot of cereal with whole milk. In fact, I usually have two bowls every morning. It hits the spot and it doesn’t give me heartburn! Weight gain: 19 pounds Random question: Do you think the 3rd trimester starts at week 27 or week 28? I feel like the internet and baby sites/trackers are very conflicted on this! Did you see what I got in my FREE Target Baby Gift Registry Bag? In case you missed it, I did an in-depth post on the 5 books I finished last week + my honest reviews. This past week, we posted what has quickly become one of our most popular podcast episodes to date. Have you listened to Secrets to a Happier Marriage yet? Just a quick reminder — registration for my 4-Week Blog Coaching Group closes on Tuesday morning. If you are a beginning or intermediate blogger who wants to take your blog to the next level, don’t miss this. [...]
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Nimbla To Take Invoice Insurance Mainstream With Barclays Deal

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Nimbla To Take Invoice Insurance Mainstream With Barclays Deal
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3 Great Credit Cards for Economy Flyers

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3 Great Credit Cards for Economy Flyers
While traveling in premium class sounds amazing, it might not be the most realistic option for individuals or families. Premium class fares can be quite expensive, and the cost for economy fares is much more affordable — making cash back or flexible currency a great option for booking your travels. If you are an economy... Dustin Waller is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 3 Great Credit Cards for Economy Flyers originally appeared on NerdWallet. [...]
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Is Costco Membership Worth it for Gas Alone?

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Is Costco Membership Worth it for Gas Alone?
I grew up in Kansas, but have lived in San Diego for the past four years. Instinctively, I knew gas prices would be more expensive in California. No matter, I thought. My Costco membership card might just dampen the blow from gasoline costs. But I had my doubts. Is a Costco membership worth it for ... Read More about Is Costco Membership Worth it for Gas Alone? The post Is Costco Membership Worth it for Gas Alone? appeared first on Penny Pinchin' Mom. [...]
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Brigette’s $87 Grocery Shopping Trip and Weekly Menu Plan for 6

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Brigette’s $87 Grocery Shopping Trip and Weekly Menu Plan for 6
My older sister, Brigette, shares her shopping trips and menu plans every week! You can go HERE to see all of her weekly menu plans and you can go HERE to read all about her family! Aldi 1 5-lb roll 73/27 Ground Beef – $9.95 1 pkg Turkey Bacon – $1.89 1 pkg Uncured Turkey Franks – $2.09 1 2-lb bag Shredded Cheddar Cheese – $5.19 1 16-oz pkg Deli Meat – $2.85 1 8-oz pkg Deli Sliced Cheese – $1.33 1 pkg American Cheese – $1.45 1 pkg String Cheese – $1.99 3 large cans Diced Organic Tomatoes – $4.77 2 cans Green Beans – $0.76 1 can Garbanzo Beans – $0.48 1 can Tomato Paste – $0.29 1 can Baking Powder – $0.99 1 Garlic Powder – $0.69 2 cans Chili Beans – $0.96 1 24-oz jar Pasta Sauce – $0.85 1 16-oz carton Heavy Whipping Cream – $1.55 1 gallon 1% Milk – $0.97 1/2 gallon Orange Juice- $1.64 1-lb box Butter Quarters – $2.61 1 large jar Unsweetened Applesauce – $1.95 1 Cauliflower – $2.19 1 bag Mini Sweet Peppers – $2.79 1 2-lb bag Yellow Onions – $1.16 1 pkg Zucchini – $1.17 1 pkg Romaine Hearts – $2.39 2 pkgs Fresh Broccoli Crowns – $2.38 1 3-lb bag Mandarin Oranges – $2.29 1 large tub Organic Spring Mix – $3.69 1 16-oz bag Mini Cucumbers – $2.19 1 bag Baby Carrots – $0.69 1 3-lb bag Pink Lady Apples – $3.69 1 bunch Bananas – $0.91 1 pkg Grape Tomatoes – $1.29 2 cartons Blueberries – $2.96 1 large canister Quick Oats – $2.36 1 box Raisin Bran – $1.59 1 Family-Size box Honey Nut Oats – $2.45 1 bag Pretzels – $0.82 1 bag Gluten-Free Pretzels – $1.85 1 loaf Sandwich Bread – $0.67 1 pkg Plain Rice Cakes – $1.45 2 dozen Eggs – $1.76 Grocery Total for the Week: $87.99 Weekly Menu Plan Breakfasts Lazy Monkey Bread (Birthday Breakfast Request from my 9-yr old – I completely forgot to buy the canned biscuits for this recipe! I’ll either be making a quick trip back to the store, or experimenting with homemade biscuit dough.) Everyone is responsible for making/cleaning up their own breakfasts. Choices include: Oatmeal, Cereal, Smoothies, Fried/Scrambled/Boiled Eggs, Veggie Omelets, Fruit, Toast Lunches Grilled Cheese Sandwiches, Blueberries, Carrots (Birthday Lunch Request) Rice Cakes with Peanut Butter, Cheese Sticks, Oranges, Cucumbers x 2 Deli Meat/Cheese Sandwiches, Apples, Mini Peppers Leftovers x 3 Dinners Pakistani Kima over Rice (recipe from “More With Less” Cookbook), Make-Ahead Butterhorns, Cauliflower, Ice Cream Cake (Birthday Dinner Request) Pancakes, Turkey Bacon, Scrambled Eggs, Blueberries Meatloaf, Baked Potatoes, Broccoli Chili with Shredded Cheese, Corn Muffins Hot Dogs on Homemade Buns, Baked French Fries, Broccoli Date Night (kids eat leftovers at home) Taco Salad, Mexican Rice, Roasted Zucchini [...]
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How to Help Kids Pay for College Without Going Into Debt

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How to Help Kids Pay for College Without Going Into Debt
You’d love to save your kids from student loan debt, but how can you help them pay for college without sinking your own financial ship? After all, the average in-state tuition at four-year public colleges reached $10,440 this year — and that doesn’t include room and board, books or personal expenses. So it’s understandable that you’re not sure how to help your kids pay for college. But of the $1.5 trillion in student loan debt, people age 50 and older owe 20% of it — $289.5 billion. You could end up having to delay your retirement if you’re still paying off your kid’s tuition. Strategizing how to pay for college doesn’t have to be a solo decision, though. Here’s what to discuss with your kids in order to help them pay for college. How to Help Your Kids Pay for College Without Going Into Debt Yourself Parenting isn’t always fun — but if you have a nearly college-age kid, you already knew that, right? So breaking it to them that you won’t be able to completely pay for college may not be the most pleasant conversation you’ve had with them. But surprising them with that news as they’re moving into their dorm room isn’t a suggested alternative.  Pro Tip If you’re getting an early start on covering college costs, we have a whole slew of ways to save money for your kids’ future. By helping them understand what you can contribute, you can both plan accordingly and graduate with as little debt as possible — if any.  1. Be a Realist If you went used car shopping and your kid fell for a Tesla they really wanted to drive to their part-time job bussing tables, would you blow your budget and fork over the extra $40,000? No. The same goes for your child’s choice of school. If your kid dreams of an Ivy League school but you’re just scraping by, it might be time for a reality check. “Don’t go broke to put your kid into a name school,” said Jamie Dickenson, Certified Educational Planner. “Check your ego at the door and get serious about what’s a good fit for your student academically, socially, emotionally and financially.” She related the story of a West Virginia family she counseled when their daughter wanted to go to Clemson University in South Carolina to major in elementary education. “This was a family that made $80,000 a year,” Dickenson said. “Out-of-state tuition at Clemson is nearly $35,000 year — or $140,000 total bill — for a job that starts at $36,000.” Don’t go broke to put your kid into a name school. By starting the college budget discussion early in the search process — like, before junior year of high school — you can help your children develop realistic expectations about school and expenses.  Then help them choose where they can get the best education for the least amount of money.  You might even convince them to consider saving money by starting out closer to home — a community college transfer could save $12,000 or more on a bachelor’s degree. 2. Go on the College Tour With Your Kids Yes, you may have to walk six steps behind them (because, ugh, it’s so embarrassing being seen with your parents), but when your kids are ready to tour colleges, don’t let them go alone. Why? Consider the thought and research you put into major purchases, like a house or car. Your kid could potentially spend that much money on college. Having a second pair of eyes and ears during the college tour can let them focus on what’s important to them without forgetting to ask the practical questions.  Pro Tip Depending on the college, you may need to fill out both the FAFSA and the College Scholarship Service Profile to qualify for financial aid. Here's what you need to know about the CSS Profile. Before you go on a tour, set up an appointment with the financial aid office for the same day so you can connect with a real person and have a contact for follow-ups. Bring along these financial aid questions to the appointment to guide you when asking about scholarships, student loans and living expenses.  When your child receives their acceptance letters and financial aid award packages, they can reach out to that same financial aid officer to ask questions about their specific financial aid award package to help them compare the offers. 3. Avoid Paying Tuition by Investing Early  Instead of taking out loans to pay for your kids’ college, why not invest in their education earlier (when it’s a little cheaper)? Shelling out a few hundred dollars for ACT or SAT preparation courses now could pay off when your kids begin applying for financial assistance. “Look at [your] kid’s grades and test scores because that’s where the majority of money for college comes from these days — merit-based aid,” Dickenson said. If you’re concerned that your kid won’t qualify, call the college financial aid officer and ask what the cutoff is for merit-based scholarships, advised Amy Irvine, a Certified Financial Planner and founder of Rooted Planning Group. “Maybe you’re only three points off from something, and you could re-sit for the SATs,” she said. Another option: Advanced Placement classes. By encouraging your kids to sign up for AP classes in high school, they can take the exam for that subject and potentially receive college credit for it.  Although the AP exam costs $94, it’s a deal compared to the $301.23 sticker price for one credit hour at a four-year institution (including tuition and applicable fees), according to a Penny Hoarder analysis of National Center for Education statistics.   And the fewer courses they need to take, the smaller their tuition bill. FROM THE DEBT FORUM Emergency debt 1/30/20 @ 10:14 AM Low income high debt 1/15/20 @ 9:36 AM Debt relief program 1/30/20 @ 2:16 PM How do I build my credit with a credit card? 1/27/20 @ 8:42 AM See more in Debt or ask a money question 4. Understand How Your Decisions Affect Their Financial Aid When your child fills out the FAFSA, they must include information from your tax statements from the previous year — for the 2020-21 FAFSA, you’d use your 2018 tax returns.  So it’s important for you to consider financial-altering decisions that could decide whether they receive financial aid. That can mean delaying a big life change — Dickenson said she advised a client to delay marrying her wealthy fiance who didn’t want to foot the bill for his stepson’s college — or a one-time income boost — Dickenson suggested you might ask your employer to defer a year-end bonus until the following year. You should also consider how the money you already have is counted toward the Expected Family Contribution (EFC).  The majority of the EFC is based on income, but any assets the child owns are counted against them at a higher percentage than the parents’ assets when determining financial aid awards. That means your child is more likely to qualify for financial aid if you keep the money in your name rather than building up a savings account in your child’s name.  Helping your kids strategize ways to cover college — without either of you going into debt — could be your biggest parenting win of all. Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Read her [...]
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This Week in Fintech 31 January

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This Week in Fintech 31 January
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How I Make a Roll of Paper Towels Last a Year

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How I Make a Roll of Paper Towels Last a Year
It takes me forever to use up a roll of paper towels, it seems. It’s not that I’m particularly neat. It’s that I see no reason to use paper towels when I have plenty of rags. Sure, paper towels are convenient. But they’re expensive too. Why use and toss wads of paper when I can use a piece of cloth, launder it and use it again? And if you’re just draining salad greens... [...]
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Get a FREE Target Baby Registry Gift Bag ($80+ value!)

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Get a FREE Target Baby Registry Gift Bag ($80+ value!)
If you are pregnant or adopting, you can get a FREE Target Baby Registry Gift Bag! I just got mine a few days ago and was so impressed with what was in it! Pregnant and adoptive mamas, don’t miss out on this really fantastic baby freebie! Get a FREE Target Baby Registry Gift Bag — full of coupons, samples, and freebies (an $80 value)! How to Get Your Free Target Baby Registry Gift Bag It’s so easy to get your free gift bag. Just go here and set up a free Target baby registry account. (Psst! You don’t even need to actually add things to your registry to qualify!) After you register, you’ll get a bar code you can print out and take to the customer service desk at your local Target to get your free Target Baby Registry Gift Bag. Note: My sister said you don’t even have to register. She said you can just go up to the customer service counter, tell them you are having a baby, and they’ll give you the gift sack. (If you’ve tried this and it worked for you, let us know!) What is in the Target Baby Registry Gift Bag I’m sure that the gift sacks vary some by store and by year, but here’s what was in my gift bag: Aveeno Baby Lotion sample Johnson’s Bath Wash sample Cocoa Butter Stretch Mark Cream sample Water Wipes Dr. Brown’s Natural Flow Bottle 2 Up & Up diaper samples (size 1) Aquaphor Baby sample Lansinoh Nursing Pad samples + Breastmilk Storage Bag samples Babyganics Lotion sample Avent Bottle Eucerin Eczema Relief sample NUK Pacifier Pampers Swaddler Diaper sample Honest Diaper & Wipe sample pack Also, you’ll get some great baby coupons to use at Target — my coupon book had a coupon for 50% off any drink at Starbucks! If you aren’t pregnant or adopting, but you know someone who is, be sure to share this post with them so they can get their free gift sack! Do you know of any other great baby freebies I should check out/sign up for? Let me know! [...]
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Make Money During the Super Bowl With These 8 Ideas

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Make Money During the Super Bowl With These 8 Ideas
When I was a kid, I was a big reader. Sorry — I meant to say “nerd.” I was a huge nerd and didn’t care about sports. Still, I watched the Green Bay Packers play every Sunday, because that’s what we did in my house. I just usually had a book open at the same time. Because of that ritual, the sound of a football game on TV is cathartic for me. I’d rather turn on the NFL Network than listen to a white noise app when I want to get work done. That’s why I’ll still tune into Super Bowl LIV. I enjoy the connection to the rest of the nation — while knocking out a blog post and making headway through a novel. If you’re in the same boat, use the day to make some extra money. Just make sure you take a break and tune in for the Halftime Show, so you know what everyone’s talking about on Facebook on Monday. While your family or roommates gather ‘round the TV this weekend, try some of these ways to make extra money. 8 Ways to Make Money During the Super Bowl 1. Drive With Lyft If you haven’t already signed up as a driver with Lyft, now’s a good time to do it. As a driver with Lyft, you can help Super Bowl party goers in your city safely get where they’re going and where they’re coming from. No driving drunk or walking in the cold! Plus, the higher demand before and after the game could mean a busy night and big bucks for you. You keep a portion of everything you earn as a driver, plus 100% of your tips. High Lyft traffic means peak hours, which might mean more money for you. Here’s a link to apply to drive with Lyft. 2. List Your Place or Spare Room Look. We get it. Your home is your sanctuary. Your place to be alone. Some days, you don’t even want to have your own family over — let alone people you don’t know. So, the idea of listing your place on Airbnb is daunting for a lot of folks. Use Airbnb’s price calculator to see how much money you could make in your area. Tonya Peters’ husband, Miles Rugh, was one of those skeptics. She wanted to list their Virginia Village basement apartment in Denver, Colorado, on Airbnb, but he wasn’t keen on welcoming strangers into their place. Finally, though, he agreed to give it a try. Now, three years later, the couple has hosted too many guests to count. And the extra income has been great for them. They plan to use it for some home renovations they’ve been wanting. “He’s definitely changed his tune,” says Peters, now an Airbnb Superhost. “And he loves having the extra income.” (Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.) 3. Take Stock Photos People dressed in their favorite team’s jersey and faces painted in celebration make for great photographs. Take advantage of the crowds of fans in your town to get some candid shots you can sell to stock photo sites. You don’t even have to give up your own fun to fill your stock photo arsenal. You can sell your smartphone photos via Foap, so don’t worry about keeping track of expensive equipment all afternoon. (Just keep your phone out of the toilet.) Note: Building owners or managers reserve the right to ask you not to take photos on their property. Otherwise, snap away, and make sure you understand whether your intended use of the photograph will require a model or property release. 4. Babysit Want to hang out with the nerdy kids like me, who don’t want to pay attention to the game? Offer to take them off their parents’ hands for the day. Make game day easier for family and friends by offering to watch the little ones while they go out. You’ll get to make $20 to $40 and skip the loud parties. Check out a site like Care.com to make yourself easy to find ahead of game day, and check out other tips on how to become a babysitter 5. Take Care of Pets Pick up pet-sitting or dog-walking work to relieve football fans from the need to look after pets during time-outs. If you can’t find pet-sitting gigs in your network, hop on DogVacay to connect with pet owners in your area. 6. Get Ahead on Freelance Work Holidays — even faux holidays — are great for side hustlers. Unless you want to chat with your clients about football, your inbox and social media will probably be quiet on Super Bowl Sunday. Take advantage of the radio silence to get some work done. If you’re a freelance writer, check out these tips on how to land your first bylines. And sign up for this free seven-day mini-course from ProofreadAnywhere.com to learn how to become a professional proofreader. Or, pick a passion project off the back burner. Work on a novel. Put the finishing touches on a painting. Format an ebook. If you’re just kicking off your side hustle in 2020, read our guide to getting started as a freelancer. 7. Get the Best Gigs If you haven’t, create an account with TaskRabbit. Here’s the strategy for earning money: Find gigs you can complete quickly that pay well for the amount of time you put in. With a lot of Taskers likely taking the day off, Super Bowl Sunday could be a great opportunity to get some of the best gigs. FROM THE MAKE MONEY FORUM Looking For Part-Time Job 1/30/20 @ 2:16 PM Q Extra money on the side 1/27/20 @ 1:48 PM S Gig Work Taking Property Photos in the US 1/17/20 @ 1:42 PM I have a question about those cash game apps from Google Play store? 1/14/20 @ 8:16 PM See more in Make Money or ask a money question 8. Get Paid $1,200/Year for Your Screen Time We’ve all been there. Netflix drones in the background as you scroll Instagram. What are you even doing?  But there’s a website that will pay you for all that screen time.  Yep. Swagbucks will pay you in free gift cards for taking surveys and other activities right on your phone.  We know what you’re thinking: You’ll probably just earn a few pennies for your troubles. But we talked to one Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, who earned $1,200 in a year. And it’s no huge time commitment. Hendrickson takes her surveys in the morning before her full-time job. Even better? You’ll even earn a $5 bonus when you sign up and earn 2,500 points within your first 60 days. Dana Sitar (dana@thepennyhoarder.com) is a former branded content editor at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Security Token news for Week ending 31 January 2020

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Security Token news for Week ending 31 January 2020
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Your Complete Guide to Earning IHG Rewards Points

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Your Complete Guide to Earning IHG Rewards Points
Although Hilton and Marriott may have stolen the limelight over the last couple of years, IHG Rewards Club still offers incredible value for rewards travelers. With over 5,000 hotels worldwide, IHG Rewards Club provides plenty of opportunities for earning and redeeming points. Of course, before you start using points for free nights, you’ll have to... Rand Shoaf is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Your Complete Guide to Earning IHG Rewards Points originally appeared on NerdWallet. [...]
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2 Simple Dinners a Family Can Cook Together

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2 Simple Dinners a Family Can Cook Together
Dinner can be a breeze when the entire family is involved. But creating a dinner that doesn’t have a surplus of steps or is, well, boring, can make it hard to decide what to make. If you want to create a family environment where there’s plenty of helping hands in the kitchen, we’ve got you ... Read More about 2 Simple Dinners a Family Can Cook Together The post 2 Simple Dinners a Family Can Cook Together appeared first on Penny Pinchin' Mom. [...]
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5 Books I Read This Past Week (+ 1 classic movie we watched)

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5 Books I Read This Past Week (+ 1 classic movie we watched)
Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. Okay, I’m absolutely giddy to tell you that I finished 15+ books in January. Honestly, I am pretty shocked by this number! I think some of it has to do with setting weekly goals and some of it has to do with prioritizing audiobooks again (and the fact that they no longer make me nauseous now that I’m further along in my pregnancy, reading aloud again, and switching from being on my phone (answering comments/messages) while on the treadmill to reading/praying while on the treadmill. It seems like tiny tweaks and additions have added up to big results. And this is so encouraging to me. No promises that I’ll keep up this pace for the rest of the year! However, considering how full January has been, it seems like it truly might be possible to at least keep reading 2-3 books/week most weeks. We’ll see! If you want to see what I’m currently reading or what I’ve read so far this year, you can check out my GoodReads account. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Before and After I was so excited about this book as it’s the real-life stories of the children who survived the Tennessee Children’s Home Society. (If you have read or listened to Before We Were Yours, you’re familiar with that heart-breaking story.) While I think these stories need to be told and while I found some of them fascinating, the book as a whole was a let down when compared to Before We Were Yours. Maybe it’s because I was expecting more cohesiveness in the book as opposed to a lot of individual stories with only what felt like a thin plot string holding them together. If you loved Before We Were Yours, you might enjoy this book for more real-life biography/backstory for the novel. However, if you’re only going to read one of the two books, definitely read Before We Were Yours. I decided to give this book 3 stars because 2 stars felt like I was doing a disservice to the families and children and lives that were wrecked by the Tennessee Children’s Home Society. But for the writing and overall level that the book engaged me, I’d probably only give it two stars. Verdict: 3 stars 100 Ways to Love Your Husband + 100 Ways to Love Your Wife If you are looking for some practical ideas and inspiration for ways to love your spouse, these small books are a great starting place. They are filled with 100 different ideas to speak love to your spouse. Now, I’ll say that not all of these ideas will work for every couple. There are some that would most definitely not really be our “thing” at all. But there were other ideas that I hadn’t thought of before that provided some highly motivating and inspiration sparks of inspiration for ways I can practically show Jesse love. If you need more encouragement, be sure to check out this week’s podcast episode with the authors, Matt and Lisa Jacobson! Verdict: 3 stars Live Love Now I was sent a pre-release copy of this book in order to write an endorsement. Rachel Macy Stafford’s books have deeply impacted me and it was an honor to get to write an endorsement for her. Here was what I wrote: If you are the parent or grandparent of a pre-teen or teen or if you have any interaction at all with teens or tweens, you need to read this book. It is packed with powerful reminders of how our words, actions, attitudes, and availability (or lack thereof), leave indelible marks on the next generation. I was inspired, convicted, and challenged by Rachel’s gentle message of how to guide, encourage, and impact young adults to live with less stress and more joy. And I took away so many practical applications I plan to immediately implement in our home and parenting. Note: I likely would have given this more than 3 stars, but I felt like the writing was a big choppy at times and it sometimes felt more like reading a collection of essays or blog posts. However, the underlying concepts in so many of the chapters were really, really good. Verdict: 3 stars The Whole-Brain Child This was, by far, my favorite book this week. I honestly cannot stop talking about it. Poor Jesse has had to listen to me rave again and again about it all week long! 🙂 This was highly recommended to by one of our kids’ counselors and and one of their therapists in the past few years and I finally read it. It is packed with great suggestions and strategies for helping our kids process the world, relate better with others, and feel more loved and secure. It is not written from a Christian perspective, but I found the sections on brain science to be fascinating and really enlightening. If you are a parent or work with kids in any capacity, I highly recommend this book to help you better love, understand, teach, and nurture the kids in your life. Note: I would have given it 5 stars, but I disagreed with some of the points (and felt a few were not entirely Biblical) so I only gave it a 4-star rating. Verdict: 4 stars Classic Movie We Watched This Week The kids decided — all on their own — that they want to start watching one old classic movie per week together as a family in 2020. They are helping me choose the list of movies and I’ll be reporting here what we watch each week and their thoughts on it. I plan to do a big classic movie round-up post at the end of the year with their verdict on the best and favorites of the ones we watched. (Thank you for all the great suggestions for must-watch classic movies!) This week, we watched the original Cheaper by the Dozen movie. I had seen it once before but it’s been a long time! While it’s a little slow moving and ends on a sad note, it has some genuinely funny moments throughout it. By the way, the movie is loosely based upon the real-life story as told in the book by the same name. I read it years and years ago and remember liking it. Have you read it before? I was wondering if it would be worth reading to the kids or not? I can’t remember it well enough now! What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
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When a traditional risk fix isn’t the fix, and sometimes a fix needs to be found for a risk

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When a traditional risk fix isn’t the fix, and sometimes a fix needs to be found for a risk
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ESG and Sustainable Investments: House of Lords EU Committee Queries Taxonomy Regulation With HMT

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ESG and Sustainable Investments: House of Lords EU Committee Queries Taxonomy Regulation With HMT
On January 16, the House of Lords European Union Committee published a letter from the Chair, Lord Kinnoull, to John Glen, Economic Secretary to Her Majesty’s Treasury (the Letter). The Letter concerns the recently published Taxonomy Regulation (for more information please see the January 10 edition of Corporate & Financial Weekly Digest). In the Letter, Lord Kinnoull raises a number of questions regarding the Taxonomy Regulation. While some questions are procedural, most of the questions concern the interaction between the new regulation and Brexit. One of Lord Kinnoull’s questions is whether, post-Brexit, the UK Government will seek to align legislation produced in response to their Green Finance Strategy (available here) with the EU legislation produced in response to European Commission’s (the Commission) Sustainable Finance Action Plan. The Taxonomy Regulation is one such piece of legislation. Lord Kinnoull also observes that the Taxonomy Regulation represents a compromise between EU Member States regarding nuclear energy. Some Member States were in favor of designating nuclear energy as an “environmentally sustainable economic activity,” but other countries did not support this view. Instead, nuclear energy is not mentioned in the Taxonomy Regulation but is expected to be designated a “transition activity” (i.e., an activity which supports the transition to a climate-neutral economy). In the Letter, Lord Kinnoull notes, “the importance the [UK] Government attaches to the nuclear energy industry,” and queries whether the UK Government intends to follow the EU’s lead in this regard. Finally, Lord Kinnoull turns to the Platform on Sustainable Finance. This group — to be chaired by the Commission and include scientists, policy-makers and private-sector stakeholders — will advise and assist the Commission in developing the delegated acts required by the Taxonomy Regulation. Lord Kinnoull queries whether the “proposed composition of the Platform . . . will allow the UK to maintain influence over the formulation” of the delegated acts following Brexit. The Letter is available here. [...]
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17 Amazon Finds Under $20 That Will Organize Your Life

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17 Amazon Finds Under $20 That Will Organize Your Life
A new year signals a fresh start, which means it’s the perfect time to get — and stay — organized. But first, you’re going to need a few low-cost tools. From the ultimate home organization manual to an annual planner with mass appeal, we’ve rounded up must-have products to help you get all your ducks in a row. Note that although the prices you see here will almost... [...]
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Bloggers: Want to hire a coach?

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Bloggers: Want to hire a coach?
I receive so many emails from bloggers asking for personal coaching and help. While I wish I could take on lots of individual coaching clients, I just don’t have the bandwidth to do that regularly. However, I have a really special opportunity for those of you who would love to hire a blog coach — and it’s super affordable, too! I’m opening back up my wildly popular 4-week Private Blog Coaching Group again for the month of February. This is something so many people have asked for and I’m excited to offer it after months and months of having it closed! What is the 4-Week Blog Coaching Group? The 4-Week Blog Coaching group is a group designed to help you grown and succeed as a blogger. It’s an intensive program where I teach you the lessons I’ve learned from failure and success, share secrets I’ve uncovered for building traffic and monetizing your blog, give you encouragement and motivation for when you’re feeling exhausted and burnt out, and provide accountability and cheerleading to help you live out the purpose for which you were created. This program is for you if you are: A newbie blogger who wants to learn how to monetize your blog, produce consistent and inspiring content, and grow your readership. An intermediate blogger who wants real, actionable advice to help you increase your income and develop a more effective social media strategy, all while having a great work-life balance. Any blogger who is stuck in a blogging rut and paralyzed by the overwhelming noise of advice from “online experts” — who wants clarity and tangible steps to move forward and reach their blogging goals. What Do You Get When You Sign Up? This is NOT another blogging eCourse where you absorb tons of information, but have no way to actually turn the information into real, applicable steps. This is an opportunity to interact with me and a network of like-minded bloggers and get answers to the pressing questions that matter to you and your business. In this coaching group, you’ll… Get direct access to me via our weekly LIVE 1-hour online workshop where you’ll have the opportunity to ask questions and learn about the topics you are struggling with the most. Interact with me and other bloggers in the daily discussion threads designed to help you set and meet your goals, find accountability, develop friendships, and network with other bloggers. Learn how to increase your income through affiliate marketing, advertising, sponsored posts, brand partnerships, and digital & physical product creation. Develop an intentional social media strategy that boosts your traffic, generates revenue, and builds long-term momentum. Discover proven techniques for planning and writing successful blog posts that are engaging and compelling for your audience. Design an effective overall plan for significant email list growth and long-lasting relationships and trust with your subscriber base. Create a manageable and realistic system for daily blogging tasks and to-do’s that allows you to have sustainable work-life balance. You get all of that for just $97 total — which is much less than the price that most coaches charge for just one hour of their time! Ready to join? Read all about it here. Hurry! Spaces are limited and registration closes on February 4, 2020! P.S. Any questions? Leave a comment or send me an email and I’ll do my best to answer it promptly! [...]
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Independent Contractor Taxes: A Painless Beginner’s Guide

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Independent Contractor Taxes: A Painless Beginner’s Guide
Zero alarm clocks. Working from the couch. A full-time yoga pants wardrobe. Freelancing certainly has its perks. Filing taxes is not one of them. Whether you’re considering making the big leap into the world of freelancing or you’re already in the deep end, your tax situation doesn’t have to be that complicated — we promise!  Here’s what you need to know to keep Uncle Sam happy as you navigate your entrepreneurial venture. How Do You Pay Taxes as an Independent Contractor? The advice below will vary if you’ve chosen a business structure like an S-Corp or an LLC. Since sole proprietorships are the default for most freelancers, we’ll focus on what those taxes look like. First thing’s first: making quarterly payments. Estimated Quarterly Taxes: How Much Do You Need to Set Aside? When you earn money as a freelancer, the transaction is direct: You name a price, you perform the service and your client pays you — without withholding any money to cover taxes or benefits. Of course, the government still wants its cut even if you’re self-employed — which means it’s your responsibility to dole out that portion. A good rule of thumb: Set aside about 30-35% of every paycheck you make to cover your federal taxes.  This will include both federal income tax — which is organized by brackets and will likely run between 10-24%, unless you’re doing exceptionally well — and self-employment tax, an additional tax levied on independent contractors currently totalling 15.3%. Instead of having these taxes withheld from each paycheck, you’ll ship them off on a quarterly basis using Form 1040-ES. Quarterly tax payments are due in January, April, June and September, and they’re super easy to file online. However, you can also pay by phone or snail mail; the address will vary depending on your location. Keep in mind that the 30-35% you set aside may not cover state or local taxes, which vary depending on your location. For example, along with its regular state income tax, New Mexico charges small business owners a gross receipts tax for “the privilege of doing business” here — which ranges from 5.125% to 8.6875% depending on your county.  More on Self-Employment Tax Although often decried among freelancers as punitive, self-employment tax is actually designed to cover independent contractors’ contributions to Social Security and Medicare.  As you may have noticed on your paystubs, however, the percentage withheld for these programs is only 7.65% when you work a traditional job. That’s because your employer is paying the other half.  Independent contractors — so long as they earn more than $400 in freelance income — are required to pay the full 15.3% to cover their full contribution.  Yes, freelancers, it doesn’t just feel like you pay more taxes. You actually do pay more because you don’t have an employer splitting the bill with you. Sorry. The good news is, this percentage is levied against your net income… which means you calculate it after you take out your deductible expenses. (More on that in a minute!) The Dreaded April Tax Return Just like a “normal” worker, you’ll still need to file a tax return if you’ve made at least $400 in freelance income. So long as you’ve kept up with your quarterlies, this shouldn’t be too painful — but if you’ve missed payments or neglected the self-employment tax, you may find yourself owing the IRS.  Your April return should report the sum of your earnings, which is used to calculate your tax bracket and total tax burden. Of course, for freelancers, this means you’ll need to be diligent about recording every single penny you earn.  Calculating Your Total Income Each client who pays you more than $600 in a year’s time must file a form 1099-MISC in your name, which you’ll receive at tax time in place of a W-2. It lists your earned wages but not any withheld taxes — because, again, as an independent contractor, that’s your responsibility.  Pro Tip Even if you earn less than $600 from a client, that income still counts toward your annual total, which means you need to include it on your return. By the way, although it’s tempting to under-report your income in an effort to pay less in taxes, there’s good reason not to — namely, hefty penalties. And seriously, do you really want to go through the hassle of an audit? Save yourself time and money in the long term and just cough up what you owe. Do You Still Get a W-2? Freelancing isn’t exactly renowned for its reliability or, you know, health insurance, so a lot of freelancers work part-time for someone else in addition to their side hustle.  If that’s you, your employer will still need to file a W-2 for you. You’ll receive it sometime in February in anticipation of the big day in April, and you’ll need it to file your return. It displays your earned wages, Social Security contribution, withheld federal income and Medicare taxes, and more.  This will affect your overall tax burden, and may be a good reason to hire professional help. FROM THE SAVE MONEY FORUM Subscriptions 1/22/20 @ 9:28 PM Do You Ever Pick up A Stray Penny? 2/7/19 @ 12:27 PM How do you get great deals at Thrift Stores? 1/20/20 @ 9:58 AM going on a holiday 1/22/20 @ 11:02 AM See more in Save Money or ask a money question What Can You Deduct as a Small Business Owner? Now for a tax topic we can all love: deductions! One cool thing about freelancing: as a small business owner, you’re eligible to make certain business-related deductions, which can lower your overall tax burden and help keep your enterprise cost-effective to run.  Pro Tip The IRS language on deductions is pretty open-ended: “To be deductible, a business expense must be both ordinary and necessary.” So you can make an argument for deducting an array of costs. Some of the most common deductions for freelancers include the cost of your home office, office supplies and travel expenses related to work. But you can also deduct meals and entertainment — within reason — that are related to client meetings, as well as professional services, like those of an accountant. Speaking of which…  Should You Hire an Accountant? As soul-sucking as it can be to live in an all-digital world, the internet has made filing taxes a whole lot easier. Even freelancers can take advantage of the sophisticated software from companies like TurboTax or H&R Block, which are both low-cost and easy. But in some cases, hiring professional help is well worth the money. Such as when… 1. You have a W-2 job (or three) alongside your freelance business. Because working a traditional job means you’ve already contributed some of what you owe for Social Security and Medicare, it can complicate your self-employment return substantially — and that’s doubly true if you’re holding down several gigs to make ends meet. (Hey, we’ve all been there.)  An accountant can help you work out exactly how much you actually owe, which can end up saving you money, even after you factor in their charges. 2. You’ve elected a more convoluted business structure, such as an LLC with the S-selection. While most freelancers operate as sole proprietorships, there can [...]
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Secrets to a Happier Marriage

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Secrets to a Happier Marriage
Last week, Jesse and I shared some of our favorite tips and tricks for keeping the spark alive in your marriage on the podcast. We didn’t want to stop there, though. This week, we invited Matt and Lisa Jacobson to come share their perspective and secrets on how to keep your marriage alive and thriving. Matt and Lisa have been married 27 years, have eight children, and are speakers, podcasters, and authors who are passionate about the topic of marriage. In this episode, they share their personal anecdotes, practical ideas, and hard won advice on how to have a truly happy marriage — even during the unexpected and really difficult seasons of life. A few topics we discuss: how their marriage grew stronger as a result of having a child who was born with brain damage and wasn’t expected to live their secrets to making dates happen (it might surprise you)! what a wife should do if she’s feeling frustrated or disappointed by her husband their best advice for young couples how to stop just surviving marriage and actually begin to thrive! And so much more! In This Episode:  [01:40] Matt and Lisa introduce themselves and share a bit about their businesses and books. [03:43] They have 8 children between the ages of 26 and 12 and have still managed to thrive.  [06:35] Has the topic of marriage always been a passionate subject for Matt and Lisa?  [08:20] How can you create and build a great marriage?  [09:30] Listen as Lisa relates a small moment she and Matt shared that inspired one of their books. [11:57] What can newlyweds do to set themselves up for a long and prosperous relationship?  [14:37] Your wife should feel cherished.  [16:22] What you need to do to make a great date happen. [17:31] Ladies, you don’t have to wait for your husband to pursue you! [19:38] Your man isn’t made of Teflon. Things stick. Listen as Lisa and Matt share tips and tricks for being mindful of your words.  [24:32] What can you do today to make your marriage better? Small, practical things you can do to bolster your relationship. Links and Resources: Faithful Man Club 31 Women Faithful Life Podcast 100 Ways to Love Your Husband 100 Ways to Love Your Wife 100 Words of Affirmation Your Husband Needs to Hear 100 Words of Affirmation Your Wife Needs to Hear CrystalPaine.com YourBloggingMentor.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player here. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. [...]
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My 5 Goals for This Week (and why I’m not setting very many goals)

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My 5 Goals for This Week (and why I’m not setting very many goals)
(By the way, I did, indeed, move the rug from in front of the toilet to in front of the sink. I thought that the hundreds of you who wrote in grossed out by this would be happy to hear that!) Last week was a really productive and great week. And I’m continuing to be so happy with my choice to set weekly goals instead of yearly goals in 2020. It seems like it’s keeping me a lot more accountable and making me more motivated! Here’s an update on how I did on my goals for last week… 2020: Week 4 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading 100 Ways to Love Your Husband, 100 Ways to Love Your Wife,The Whole-Brain Child, and Live Love Now. Finish listening to Before and After. 3. Get up at 5:30 a.m. Tuesday, Wednesday, Thursday, and Friday. 4. Go to bed by 10 p.m. Sunday, Monday, Tuesday, Wednesday, and Thursday. 5. Drink a gallon of water every day. (I almost hit this goal, but fell short a few days.) Home/Family Goals 6. Get new shower curtain, rug, and towels for upstairs bathroom. 7. Read 40 pages of Carry a Big Stick aloud as a family. 8. Get a crib and bedding. (I’m chipping away at my To Do Before Baby Comes list a little bit per week.) Work/Blog Goals 9. Finish chapter 2 and write chapter 3 of my manuscript. Word of the Year Goals 10. Pop popcorn and watch another classic movie as a family. 11. Take Kathrynne out on a date for her birthday. 12. Light candle and write notes to our Compassion children. I’m only setting 5 goals this week. We are doing respite care for another foster family this week so we’re hosting a sweet 10-year-old girl all week long, we have activities/commitments every night, Kathrynne turns 15, and I’m launching another 4-week Blog Coaching Group.  So I decided I’d be very realistic in my goal-setting for this week and not try to bite off more than I could chew! That’s the beauty of taking things week by week, isn’t it? 2020: Week 5 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading The Path Between Us and Not So Perfect Mom. Finish listening to Originals: How Non-Conformist Move the World. Home/Family Goals 3. Read 40 pages of Carry a Big Stick aloud as a family. Work/Blog Goals 4. Edit introduction through chapter 3 of my manuscript. Word of the Year Goals 5. Pop popcorn and watch another classic movie as a family. What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
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From ICOs to STOs and IEOs. What is next in the evolution of crypto fundraising?

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From ICOs to STOs and IEOs. What is next in the evolution of crypto fundraising?