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

click photo for more information
Is My Credit Frozen? What to Do If You’re Not Sure
For years, applying for credit has been a cinch, with approvals happening almost instantly. But now, if you’ve heeded expert advice and frozen your credit, there’s a new step: unfreeze your credit. If you apply for a loan or a credit card, forgetting your credit is frozen, your application likely won’t be approved. That’s because... Bev O'Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. The article Is My Credit Frozen? What to Do If You’re Not Sure originally appeared on NerdWallet. [...]
1
1

Favorite! Would you like to add notes/tags?

Life Update: Pregnancy update (week 12), my book stack, & football

click photo for more information
Life Update: Pregnancy update (week 12), my book stack, & football
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 12 weeks! And our big news is that we found out the gender this week!!!* Knowing has made it so much more real to me, even though this whole pregnancy still feels crazy surreal and like a dream. HIGHLIGHTS I think we actually all may have agreed on a name!! It’s very different having older kids who have very strong opinions about these things! Also, the NIPT test came back perfect. And I had a little more energy and a little less nausea this week. NOTABLE I’m pretty sure I’m starting to feel those first few flutters. I didn’t for sure feel movement until 15 weeks with Silas, but I’m almost 99% sure that’s what I’m feeling. Also, my appetite has increased big time — which has been weird and I’m still trying to adjust. I’m usually the type of person who eats when I’m hungry and then eats until I’m satisfied. But right now, I feel hungry almost 90% of the time — even right after eating!! I’m so grateful to have the desire to eat, though, because it definitely has been super hit or miss for the last 6 weeks and most of the time I was just making myself eat so I wouldn’t feel worse because my stomach was empty. It’s so nice to actually *want* to eat much of the time now! CRAVINGS Oh goodness, have the cravings been intense this week. I feel like all I do is talk about and think about food. (This is SO unlike me! My kids keep saying, “Mom, you are so WEIRD when you are pregnant!”) Speaking of weird, yesterday and today I wanted a taco from Taco Bell. Y’all, I can’t remember the last time I’ve even eaten at Taco Bell!! But, thanks to Jesse, I had a taco for dinner AND breakfast (he was smart and just went and got a whole BAG of six tacos last night!!) WEGHT GAIN 4.5 pounds (I usually always gain around 30 lbs. and at the rate I’m going, I don’t think I’m going to have any issue doing that again.) *At this point, we don’t plan to share the gender before the birth. That could always change, but we kept it a family secret last time and it made it so special so we are thinking we’ll likely do that again. In other news, I bought this sweatshirt this week and can’t wait for it to come in the mail! And I was thrilled to once again feel well enough to go to the grocery store for a quick shopping trip! Silas played both baseball and flag football this season. His first playoff game was Friday night and their team won, just barely! So they move on to the next playoff bracket next week. What I’m… Reading right now: I Will Always Write Back and Come Matter Here (My book stack in my room is getting way too high — and then I have three shelves in the library full of books waiting to be read ASAP. I guess it’s a good problem!) Watching right now: Silas, Kaitlynn, and I have been watching The Masked Singer. Listening to right now: I finally came up first in line for Atomic Habits on the Libby app again, so I’ve been listening to the last hour and half of it (that I didn’t get to finish the last time I had it “checked out” on the Libby app). Loving right now: The fact that it was cool enough weather this past week to wear my favorite booties (shown above). In Case You Missed It: 30 Super Easy Ways to Save Money — what would you add to this list?? 30 Quick & Easy Protein Snacks — some of my favorite go-to’s! How to Finally Break Free From Anxiety & Stress — this is one of the most talked about episodes of the podcast I’ve ever shared! It’s SO good! Have you listened to it? How to Save Money on Groceries When You Only Eat Whole Foods — check the comments for lots of additional ideas! [...]
1
1

Favorite! Would you like to add notes/tags?

Derek Peth of ‘Bachelor in Paradise’: It’s OK to Talk About Money with Friends

click photo for more information
Derek Peth of ‘Bachelor in Paradise’: It’s OK to Talk About Money with Friends
Trying to maintain a social life while still paying the bills? That’s easier said than done. Bar tabs, brunches, vacations and birthday celebrations don’t pay down student loans or help you save for a down payment on a home. If you’re not a careful budgeter, your social spending can even put you behind on rent. But that doesn’t mean you have to isolate yourself. Derek Peth, a financial executive who’s most known for stints on “The Bachelorette” and “Bachelor in Paradise,” suggests the opposite. Becoming more financially intimate — sharing your financial situation with your friends or significant other — can strengthen your relationships while protecting your budget. Peth, a senior vice president at the online lender Laurel Road, told The Penny Hoarder it’s time to remove the taboo around talking about money. “Your finances are a part of who you are,” he said. The people you love should be accepting of that, even if it prohibits you from going out and spending money as often as they’d like. Talking about your financial situation, however, doesn’t mean you have to dish out the explicit details of how much you make or how much debt you have to an acquaintance or someone you just started dating. Instead, Peth suggests sharing your goals and limits.  “You can say something like, ‘I’ve got a lot in student loans. I’m really trying to focus on that and my goals right now, and I’m kind of limited on what I can do. Here’s my limits,’” he said. “You don’t necessarily [have to] put numbers behind it, but at least start having the conversation.” While you’re being more open about your money situation, make sure to share your financial wins too. Paying off $10,000 of your student debt is worthy of the type of celebration you’d have if a friend was turning 30, Peth said. “Achieving something like paying off a large amount of debt and then celebrating it in a fun way is something that we should do more of,” he said. When you don’t have as much disposable income as your friends, it can be disappointing to say no to an invite. “FOMO is a real thing,” Peth said. True friends should accept the occasional “no thanks, I can’t make it” reply. If someone is constantly trying to push you outside your financial comfort zone or can’t accept your explanations as to why you can’t afford going out every weekend, Peth said it may be time to re-evaluate the relationship. “You don’t want to be begrudgingly doing something and you also don’t want to — if you’re real friends — be guilt-tripping someone into doing something either,” he said. FROM THE BUDGETING FORUM Have you tried the Zero Based budgeting method? 6/7/19 @ 1:58 PM Money management in general 9/17/19 @ 12:59 PM J Out on sick leave 9/19/19 @ 5:48 PM See more in Budgeting or ask a money question To avoid some of these situations, Peth advises taking the lead and being the one to plan the outing. You can come up with something enjoyable that doesn’t involve spending a bunch of money, like a backyard barbecue or a picnic where everyone chips in and brings a dish. Living in New York, Peth said some of his favorite things to do are hanging with friends on a rooftop or in Central Park, which are very low-cost. When it comes to dating, Peth suggests taking a note from the Bachelor franchise — with adjustments to fit your budget, of course. “There are multiple layers to their big dates,” he said. “Although they’re crazy expensive, you can start out somewhere that’s got nice drinks, grab one there, walk to another place that’s maybe lower cost to get tacos together and just laugh and chat, and then go through a final walk through some park.” Adding layers to a date involves a little more effort than just making reservations at a restaurant. Peth said it shows you value spending time with that person, and the change of scenery helps break up some first-date awkwardness.  “The first time you’re meeting somebody, mix it up a little bit,” he said. Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
2
2

Favorite! Would you like to add notes/tags?

Afternoon Deals: Saturday, October 19

click photo for more information
Afternoon Deals: Saturday, October 19
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
1
3

Favorite! Would you like to add notes/tags?

$47 Kroger Shopping Trip

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

Favorite! Would you like to add notes/tags?

In ‘SIM Swap,’ Criminals Really Have Your Number

click photo for more information
In ‘SIM Swap,’ Criminals Really Have Your Number
If you’re not familiar with SIM swap fraud, prepare to be terrified. This scam, also known as port-out or SIM splitting fraud, allows criminals to hijack your cell phone number. Once they have your number, the bad guys can clean out your financial accounts, confiscate your email, delete your data and take over your social... Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. The article In ‘SIM Swap,’ Criminals Really Have Your Number originally appeared on NerdWallet. [...]
1
3

Favorite! Would you like to add notes/tags?

BoE Mandates Climate risk stress tests, can Fintechs help?

click photo for more information
BoE Mandates Climate risk stress tests, can Fintechs help?
If you were in London over the last couple of weeks, you wouldn’t have missed the activities of the extinction rebellion. While I don’t condone all their actions, they are making a valid point and it is being heard at the highest and the lowest levels. A week ago, I explained to my five year […] The post BoE Mandates Climate risk stress tests, can Fintechs help? appeared first on Daily Fintech. [...]
1
3

Favorite! Would you like to add notes/tags?

How to Make Money Selling eBooks (free online class!)

click photo for more information
How to Make Money Selling eBooks (free online class!)
Have you ever thought about writing and selling an ebook? If you’ve always wondered how people actually make money doing this and if it’s something you could do, too, I want to invite you to next week’s online class I’m co-hosting with best-selling eBook author, Kelly McNelis. She’s going to share how she went from making a mere $100 per year selling eBooks to making over $100,000 per year selling eBooks…all while working less than 10 hours a week! Plus, she’s going to teach you how you can do this, too! You’ll learn how to stand out from the crowd, serve your audience, and sell more eBooks in an authentic way. The Class is Completely FREE! Best of all, this class is completely free! To sign up, just go here and type in your name and email address and you’ll be registered! The class will be Wednesday, October 23, 2019 at 12 p.m. CT/1 p.m. EST. It will be one hour long, with time at the end for you to ask questions! Yes, I want to sign up for the free ebook class! I’m so excited to get to learn from Kelly and be inspired by her story and practical advice and ideas. P.S. Can’t make the class live? Just click her to register and Kelly will send you a link to the replay after the class is finished. photo credit [...]
1
3

Favorite! Would you like to add notes/tags?

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
17

Favorite! Would you like to add notes/tags?

9 of the Hottest Products on Amazon Today

click photo for more information
9 of the Hottest Products on Amazon Today
Whether you’re an impulse shopper or just like to be on top of the latest trends, you need to check out Amazon’s “Movers & Shakers” lists. These are the hottest items on Amazon right now, based on how much their sales rank has jumped compared with 24 hours earlier. According to Amazon: “For example, if a music item has a current sales rank of 10, but was ranked 30... [...]
1
15

Favorite! Would you like to add notes/tags?

5 Things to Know About the Key Cashback Credit Card

click photo for more information
5 Things to Know About the Key Cashback Credit Card
The Key Cashback credit card, issued by KeyBank, has an annual fee of $0 and features an appealing 2% cash back on every purchase, an ongoing flat rate that’s hard to beat. But there are some catches for that high rate: You will earn it only under certain conditions, and if those conditions aren’t met, you’ll... Kimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. The article 5 Things to Know About the Key Cashback Credit Card originally appeared on NerdWallet. [...]
1
6

Favorite! Would you like to add notes/tags?

30 Super Easy Ways to Save Money

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

Favorite! Would you like to add notes/tags?

Walgreens: Buy One, Get One Free Coca-Cola e-coupon

click photo for more information
Walgreens: Buy One, Get One Free Coca-Cola e-coupon
Be sure to load this e-coupon for Coca-Cola! Walgreens has a new e-coupon valid for a Buy One, Get One Free Coca-Cola (20 oz)! Valid through October 18, 2019. Thanks, Hip2Save! [...]
1
5

Favorite! Would you like to add notes/tags?

Shop Your Closet to Find 7 Last-Minute Halloween Costumes (For Free!)

click photo for more information
Shop Your Closet to Find 7 Last-Minute Halloween Costumes (For Free!)
Costume parties in and of themselves seem like a great idea. That is, until you realize that you’re about to spend $50+ and countless hours putting together an outfit you’ll wear once before shoving it deep under the bed with the rest of your one-hit-wonder Halloween ensembles. And while I always try to be frugal (because despite my over-the-top holiday enthusiasm, I’m still a Penny Hoarder at heart), I’m also pretty lazy when it comes to Halloween costumes. I always think I’m going to go all out and DIY my costume, but then every year, without fail, I end up running to the store at the last minute and spending a lot of money. There has to be a better way to go about this whole costume business — a way that, ideally, won’t cost any money at all.   7 Last-Minute Halloween Costumes You Can Make at Home If your aim is to wear a completely free (we like free!) costume on Halloween, start with your closet. Chances are you already have a few costume pieces lurking in the dark recesses of your wardrobe. I mean, there’s gotta be a reason you didn’t throw out that Hawaiian print shirt from the summer of ‘92 yet, right?! I started brainstorming and managed to put together seven great options that I could wear to a Halloween costume party — using only things I already owned. 1. Tourist This one might be the easiest costume on this list to pull off. I mean, who among us doesn’t have a pair of shorts, a brightly colored shirt and some tacky socks you can pair with sandals? Slap on a straw hat or visor and some sunglasses and grab a camera or a map and you’re ready to go. A sunscreened nose will only make your costume more realistic (although a little messy). 2. Fortune Teller For this one, you’ll need drapey, flowy clothing, a scarf or headband and lots of stacked jewelry (never enough jewelry). If you’re not totally convinced that your costume is convincing, carry around a prop like a Magic Eight Ball (or a plain glass orb, if you just so happen to have one lying around) and make vague but ominous statements all night about how your friends’ Mondays will go. 3. Minion Overalls were like the parachute pants of 2017: You either own three pairs already, or you’re desperately looking for an excuse to add them to your closet. Add in a yellow shirt (any shade will get the point across), black shoes and gloves and a pair of round glasses or goggles (find an awesome DIY tutorial here), and you’re all set to annoy the living daylights out of everyone at the party. 4. Pinup Girl High-waisted shorts + a button-down shirt + wedges + red lipstick + bandana = perfect pinup girl. Follow a YouTube tutorial like this one to achieve that flawless pinup hair curl (I promise, it’s actually so much easier than it looks), and you’re ready to make old-fashioned gentlemen swoon. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Traveling All 50 States On a Budget 10/9/19 @ 8:40 PM Acorns 8/14/19 @ 6:00 PM See more in Save Money or ask a money question 5. Witch This costume is less classic witch and more witchy-esque. I mean, does anyone just casually own a pointy hat? No matter: Throw on lots of black layers, add some dramatic makeup, frizz up your hair and add some drippy black jewelry and no one will even question your costume (mostly out of fear). Bonus points if you’re willing to carry a broom around all night. 6. Zombie This one doesn’t take a lot of… wait for it… brains to figure out. (I know, I know. I already docked myself three whole funny points.) But seriously, all you need is holey, grungy clothes: ripped jeans, an old work shirt, a plaid button-up and a pair of dirty sneakers. This will either read as zombie or “midnight Taco Bell run” depending on how you accessorize — which is why you can’t skip the makeup. Use dark eyeshadow around your eyes and under your cheeks, rat your hair and add some twigs and leaves and you’re good to go. 7. Greaser This one’s a classic, and honestly if you try to tell me you don’t own a white T-shirt and leggings or jeans, I won’t believe you. Tie a scarf around your neck, slip on a pair of sneakers or wedges, throw a jacket (denim, leather or bomber) over your shoulder and you’re good to go. Bonus: This one makes for an excellent couples costume, too. Trick or Treat! Assuming you own at least a pair of jeans and some dark makeup, I’d say we’ve just about solved your last-minute costume woes. Now you officially have no excuse for not showing up to the party in a costume that could shock Frankenstein’s monster to life. Grace Schweizer is an email content writer at The Penny Hoarder. She’s just trying to figure out if there’s a way to combine all her best costume ideas into one. Is there such a thing as a fortuwitcheaserpinuzombieist? This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
1
5

Favorite! Would you like to add notes/tags?

500 Credit Score: Good or Bad?

click photo for more information
500 Credit Score: Good or Bad?
A 500 credit score is considered bad credit. Your credit score determines whether you qualify for financial products, like credit cards and car loans, and what interest rate you might pay. In 2019, 4% of Americans had a score lower than 500, according to credit scoring company FICO. Here’s how a 500 credit score can affect your... Amrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. The article 500 Credit Score: Good or Bad? originally appeared on NerdWallet. [...]
1
4

Favorite! Would you like to add notes/tags?

*HOT Clorox Wipes Deal | $10 Money Maker After Rebate!!

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

Favorite! Would you like to add notes/tags?

African fintech migrates to Europe

click photo for more information
African fintech migrates to Europe
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. With less than 4 years of operations under its belt, ambitious African fintech, SME lender Lidya, has announced it will commence its expansion into eastern Europe. The venture backed […] The post African fintech migrates to Europe appeared first on Daily Fintech. [...]
2
13

Favorite! Would you like to add notes/tags?

2 Ways a CPAP Machine Can Make You Sick

click photo for more information
2 Ways a CPAP Machine Can Make You Sick
A CPAP machine is designed to boost your health. But if you aren’t careful, it could have the opposite effect. These machines are often used to treat obstructive sleep apnea, which causes people to periodically stop breathing while they sleep. By pushing air through a tube, into a mask and down your throat, CPAP machines help keep your airway open throughout the night. (CPAP stands for &# [...]
1
10

Favorite! Would you like to add notes/tags?

How to Finally Break Free from Anxiety & Stress

click photo for more information
How to Finally Break Free from Anxiety & Stress
Need some practical encouragement to move past anxiety, stress, and survival mode? Longing for life of more wholeness? Don’t miss this episode with Aundi Kolber! Missed previous episodes of The Crystal Paine show? You can listen to them here. Okay, I know I’ve said this before about other episodes, but I truly think today’s episode was one of my very favorite podcast recordings to date! Maybe it had something to do with the fact that Aundi Kolber is a therapist and I felt like I got a therapy session just by spending an hour with her?! 🙂 Listen in to the episode and you’ll see what I mean. Aundi has a gift of sharing so eloquently and yet also in such a heartfelt manner. She just exudes such peace and calmness, but also such profound wisdom and understanding of how we are wired. In this episode, we not only talk about what’s saving our lives (I had to laugh that she talked about something related to brain science and I talk about leggings!) and the books we’re reading, but then we dive into some deep heart topics. She shares what it means to Try Softer (the title of her new book), the difference between Big T trauma and little t trauma and how we might be experiencing the aftershocks of little t trauma without even realizing it and this might be at the root of our stress, anxiety, and overwhelm. Aundi explains thoroughly how the body processes pain — whether physical or emotional. And she provides very concrete suggestions and ideas for how we can start to take steps toward more healing and wholeness. Whether you feel stressed, anxious, and overwhelmed or whether you know someone who does, this conversation is highly important and one that you do not want to miss. I have thought of it over and over again since we recorded last week and will be taking so many nuggets of truth from it to apply to my everyday life. In This Episode:  [00:25] Welcome back! I am so excited to have Aundi Kolber on the show! [01:06] Aundi shares about a little about her background and family [03:43] Meaningful walks are saving Aundi’s life — and the brain science she shares here is fascinating! And then, to keep things a little more down to earth (!), I talk about my new favorite leggings. [09:25] We discuss our current reads, including one written by a therapist and a novel I finished last week.  [13:08] Why did Aundi write Try Softer? (I loved that she wrote it as a love letter to her younger self!) [17:20] We talk about the stigma surrounding the word “trauma” and why it’s important to understand if you’ve experienced little t trauma. [19:27] How can you tell if you’re holding onto the pain of the past and how does it show up in your life? [23:50] What does it mean to “try softer” and how can we apply this in our every day lives? [27:37] Aundi shares practical first steps for beginning to break free from stress, anxiety, and survival mode — even if you feel so stuck and overwhelmed that you don’t know how to take the first step! Links and Resources: Try Softer by Aundi Kolber Aundi’s Website My New Favorite Leggings Maybe You Should Talk to Someone by Lori Gottlieb (Note: Aundi wrote me a few days after the interview to say that she would give a language warning with this book. She said it didn’t show up until the later parts of the book which she hadn’t read yet when we did this interview.) Boundaries for Your Soul by Allison Cook and Kimberly Miller The Printed Letter Bookshop by Katherine Reay Dear Mr. Knightley by Katherine Reay Aundi on Facebook Aundi on Twitter Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
1
11

Favorite! Would you like to add notes/tags?

Lower Your Home Improvement Budget with These Tips to Save at Lowe’s

click photo for more information
Lower Your Home Improvement Budget with These Tips to Save at Lowe’s
Home improvement projects are never as simple as you initially imagine. Each time you run into a problem, need more supplies or have to outsource labor, the price goes up and up. You need all the savings you can get. Before your next visit to Lowe’s, try one of these 18 tips and tricks to save money. How to Save Money at Lowe’s Lowe’s slogan is, “Do it right for less.” Read these savings strategies before you shop. 1. Be aware of the current sales promotions. Lowe’s has a savings section of its website that shares the latest deals. Flip through the weekly sales ad and make sure to check out what’s on clearance. When you’re in the store, keep your eye out for yellow tags that indicate marked-down prices. 2. Download the Lowe’s app. The app, which is available to download for free on Google Play or the App Store, helps shoppers compare prices, check availability, read product reviews, watch DIY videos and more. 3. Sign up to receive Lowe’s emails. You’ll find exclusive offers and sales promotions in your email, plus the weekly ad, DIY tips and sneak peeks of upcoming in-store events. Register for emails by clicking the link at the bottom right side of Lowe’s homepage. You can also sign up for mobile alerts for savings opportunities. 4. Sign up for a MyLowe’s account. You may not benefit from direct savings from your MyLowe’s account, but you’ll be able to keep track of past purchases with this tool. Having that knowledge comes in handy when you’re shopping for replacement tiles or the same shade of paint you bought two years ago. 5. Use the price match guarantee. If you find another retailer selling the same product for less, Lowe’s will match that price. If you’re comparing prices to an online retailer, you must factor in the cost of shipping and handling. Lowe’s also has a price protection policy, which means if there’s a difference between Lowe’s in-store price and online price, you pay the lesser of the two. 6. Take advantage of free shipping and delivery. Lowe’s offers free shipping on qualifying online orders of $45 or more, or you can choose to have it shipped to your nearest store for self pick-up for free. The retailer also offers free delivery and connection for major appliances (like washers and dryers) as long as you’ve purchased new connectors (like your dryer vent) from Lowe’s. 7. Use Lowe’s Advantage credit card to save 5% off everyday purchases. If you buy something over $299, you may be eligible for six months of no-interest financing. There’s also low-interest financing for orders over $2,000. Lowe’s has a payment calculator so credit card holders can figure out their monthly payments. 8. Take advantage of Lowe’s military discount. Active military personnel and retired veterans can save 10% off eligible purchases every day. Another bonus: Lowe’s has special priority parking spaces for vets. 9. Purchase a discounted gift card. Sites like Raise, CardCookie and Gift Card Granny sell Lowe’s gift cards for slightly less than the card’s value — meaning more savings for you. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Traveling All 50 States On a Budget 10/9/19 @ 8:40 PM Acorns 8/14/19 @ 6:00 PM See more in Save Money or ask a money question 10. Check for rebate offers. Visit Lowe’s online rebate center to see if a recent purchase or an item you’re considering buying comes with a rebate. You can submit your rebate online and check the status of when you can expect your money to arrive. 11. Use coupons and promo codes from sites like RetailMeNot, CouponCabin or Groupon. Some store managers may accept coupons from competitors like The Home Depot, but that’s not a company-wide policy. You also might find coupons for Lowe’s in the moving package when you change your address at the post office. 12. Know the right time to shop. You’ll find major sales around Memorial Day, Independence Day, Labor Day, Black Friday and Christmas. Lowe’s also has a big sale in late March or early April called Spring Black Friday. A few times a year, the retailer holds special sidewalk sales where you can find substantial deals. If you’re shopping for a specific item — like tools, a grill or patio furniture — our guide on the best time to buy anything can help. 13. Ask for a lower price for damaged or used goods. Put your haggling skills to use to negotiate deals for a floor model or items that may be slightly damaged or worn. Lowe’s will often discount paint that was returned from another customer or scraps of lumber left over from cutting a piece for someone else. You may also find deals on wilting plants that need a bit of reviving. 14. Exchange dying plants for new ones. Lowe’s has a one-year plant guarantee. You can get a replacement plant if its perennials, shrubs or trees don’t make it through the first year. Just bring in the drooping plant and your receipt for an exchange. 15. Learn DIY skills for free. Check out Lowe’s How-To Library to learn how to tackle small projects so you don’t have to pay a professional for the cost of labor. The store also shares gardening tips if you don’t have room in your budget for a landscaper. You can watch Lowe’s YouTube channel where new DIY videos are regularly posted. 16. Occupy the kids with a free craft project. Children can participate in free crafts projects through Lowe’s Build and Grow program. This program is currently only available at store locations near Charlotte, Nashville and Seattle, but the company plans to expand it nationwide. 17. Buy in bulk. Lowe’s has special deals for contractors who buy materials and supplies in bulk. However, you don’t have to be a licensed professional to benefit. Ask for the bulk-price deal if you’re doing a major home renovation that calls for buying a lot of the same product. 18. Get free design advice. If you need advice for your remodel, get assistance from store technicians at the service desk or use the virtual room designer tool. Bonus Savings Tip: If you’re a Lowe’s employee, you can get up to $2,500 to become certified in a trade (such as carpentry or plumbing) as a part of the company’s Track to the Trades program. Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
1
8

Favorite! Would you like to add notes/tags?

Our Halloween Party on a Budget!! #DollarGeneralFinds

click photo for more information
Our Halloween Party on a Budget!!  #DollarGeneralFinds
This is a sponsored post on behalf of Dollar General. All opinions are my own and were not influenced by any parties. Halloween is quickly approaching! I will admit that I am often a last-minute planner when it comes to figuring out costumes for my kids. Well, there was one year where they were a ... Read More about Our Halloween Party on a Budget!! #DollarGeneralFinds The post Our Halloween Party on a Budget!! #DollarGeneralFinds appeared first on Penny Pinchin' Mom. [...]
1
6

Favorite! Would you like to add notes/tags?

5 Things to Know About the Delta Reserve for Business Credit Card

click photo for more information
5 Things to Know About the Delta Reserve for Business Credit Card
Small-business owners who want a new credit card and who are continually flying out of Atlanta, Boston, Cincinnati or other strongholds of Delta Air Lines might shortlist the Delta Reserve for Business Credit Card. Learn More It offers airport lounge access, progress toward elite status and other perks. The card is scheduled to get better —... Gregory Karp is a writer at NerdWallet. Email: gkarp@nerdwallet.com. Twitter: @spendingsmart. The article 5 Things to Know About the Delta Reserve for Business Credit Card originally appeared on NerdWallet. [...]
1
9

Favorite! Would you like to add notes/tags?

Smart Bricks meet Clicks & Voice – the Walmart Way

click photo for more information
Smart Bricks meet Clicks & Voice – the Walmart Way
PHYGITAL E-commerce giant Amazon is a big player in many markets. From e-commerce, cloud, delivery, entertainment, payments, smart home devices, and physical stores. Retail giant Walmart, not included in the FANGs or the GAFAs, as it is a native of another tribe (physical retailers), can actually stand respectfully next to Amazon and other large non-financials […] The post Smart Bricks meet Clicks & Voice – the Walmart Way appeared first on Daily Fintech. [...]
1
35

Favorite! Would you like to add notes/tags?

How to Save Money on Groceries When You Only Eat Whole Foods

click photo for more information
How to Save Money on Groceries When You Only Eat Whole Foods
Is it possible to save money on groceries if you only eat whole foods? In this post, I give some of my best tips and encouragement for how to keep your grocery budget low, even if you only eat whole foods. I have been scouring the internet for easy, budget friendly meals for those on a strict diet. Over a year ago my health was a mess and we figured out my body has a sensitivity to toxins in the environment, particularly from plastic, treated water, and also chemicals used on food. I found I feel so much better when eating whole, organic foods and organic meats. However this shot our grocery budget up to a crazy high amount. We live in a sparsely populated area in the midwest, one stoplight in our whole county. Healthy food is not cheap. I am desperate for ideas on how to have a “beans and rice” budget but not sacrifice the progress I have made in my health. I would love to hear insight on this. Thanks and God bless your journey! -Kristy First off, Kristy, I just want to encourage you to know that you are not alone. I have heard from many other women who are in similar situations. And I’ve also seen many women who have found very creative ways to eat very healthfully on a tight budget. One of my local friends, Cheapskate Cook, is a fantastic resource for how to eat healthfully on a budget. She constantly inspires me with her outside-the-box ideas! I also wanted to share some other strategies and suggestions that might help you in your journey: 1. Have a can do attitude. The first step to lowering your budget is believing that you can. If you think you can’t, you probably won’t be able to. But if you believe you can, you’ll likely be motivated to figure out creative ways to make it happen. When there is a will, there is usually a way. 2.  Cut your budget in other areas. Now, that said, I’m not saying you should be unrealistic or put undue pressure on yourself. Don’t compare yourself to other people or other budgets. Also, realize that getting creative could mean choosing to cut back in other budget categories in order to give you more wiggle room in your grocery budget. For instance, maybe your family choose to drive an older car and not go on vacations and live in a smaller home in order to free up extra money for your grocery budget. Everyone has different priorities and it’s okay if your priorities are very different from another family’s priorities. 3. Buy in bulk. Research all of the local farms in your area to see which ones would be willing to sell to the public. Could you drive an hour or two to buy half a cow and save $1 or $2/lb.? Are there any orchards or farms nearby that would be willing to sell you their produce “seconds” for less? Sure, it might not be as pretty as full-priced product, but they will taste just as good! What about stores that are within a 50-mile radius of your home that might offer organic items and would give you a discount if you were to purchase in bulk? Also,  check to see if Azure Standard delivers in your area. If not, could you start a group so that they will come to your area? 4. Grow your own. One of the best ways to save on produce is to grow your own. If you have kids, make it a family affair. Challenge yourself to see how much of what you usually buy at the store can be grown or made yourself! 5. Look into online options. There are so many great online options nowadays that offer great deals on natural and organic products. Grove.co, Amazon, and Vitacost are a few of my favorite sites. But I’m sure if you start looking, there are many others, too! Tip: Type in the price point you want to pay for items you routinely buy from Amazon.com at CamelCamelCamel.com and they’ll send you an alert when the price goes under that amount! What others ideas do the rest of you have for Kristy? I’d love to hear in the comments! More posts to check out: 10 Ways to Afford Organic Foods on a Tight Budget How to Eat Well on a $40 Grocery Budget Going Vegan on a Budget photo credit [...]
1
14

Favorite! Would you like to add notes/tags?

Up to 60% off DC Shoes for the Family + Free Shipping!

click photo for more information
Up to 60% off DC Shoes for the Family + Free Shipping!
This post may contain affiliate links. Read my disclosure policy here. Need new shoes? You can get up to 60% off DC Shoes plus free shipping right now! Right now, DCShoes.com is offering up to 50% off select sneakers and apparel for the whole family! Plus, you can get an extra 40% off when you use the promo code FALL40 at checkout! Even better, shipping is free for DC Shoes BoardRiders Club members (free to join). Here are some deal ideas… DC Men’s Anvil TX Shoes in Red/Black – $33.99 (regularly $55) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $20.39 shipped after promo code DC Men’s Heathrow Vulc Shoes – $35.99 (regularly $70) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $21.59 shipped after promo code DC Women’s Kalis Lite Shoes in Grey – $45.99 (regularly $75) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $27.59 shipped after promo code DC Women’s E.Tribeka SE Shoes in Metallic Silver – $38.99 (regularly $95) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $23.39 shipped after promo code DC Kids’ Trase TX Shoes in Red – $30.99 (regularly $50) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $18.59 shipped after promo code DC Kids’ Trase V SE Shoes in Pink – $36.99 (regularly $60) Use promo code FALL40 (40% off) Shipping is free for DC Shoes BoardRiders Club members (free to join) $22.19 shipped after promo code Valid through October 31, 2019. Thanks, Hip2Save! [...]
1
6

Favorite! Would you like to add notes/tags?

How Teachers, Cops, Firefighters and EMTs Can Buy a Home for 50% Off

click photo for more information
How Teachers, Cops, Firefighters and EMTs Can Buy a Home for 50% Off
If you’re a teacher, firefighter, law enforcement officer or EMT, you definitely know a thing or two about hard work. But as challenging as your position is, hopefully you also consider it rewarding: You’re performing an invaluable public service. It turns out, it’s not entirely impossible to put a monetary value on the work you do. Thanks to the HUD Good Neighbor Next Door program, you could receive a 50% discount off the list price of your next home purchase, provided that you and the property meet several requirements. Here’s what you need to know about this one-of-a-kind opportunity. HUD’s Good Neighbor Next Door Program: How Does It Work? Half off the purchase of a home is a big deal, so it’s not surprising that there are some restrictions. Here’s how it works. To qualify for the Good Neighbor Next Door Program, you must be one of the following: A law enforcement officer employed full time by a federal, state, local or tribal government agency. A K-12 teacher employed full time by a state-accredited public or private school serving students who reside in the area where the purchase home is located. A firefighter or emergency medical technician (EMT) employed full time by a fire department or emergency medical services responder unit of the federal, state, local or tribal government serving the area where the home you’re purchasing is located. Once you know that you’re qualified, it’s time to find a qualified home. The property must be a single-family house, condo or townhouse located in one of the program’s designated “revitalization areas,” which are authorized by Congress for the deal based on criteria like level of homeownership, foreclosure rate and householder income. This is where you may be raising your eyebrows, we realize. Exactly what kind of “revitalization” are these areas in need of? In short, is your new home going to be in a place you actually want to live? Anna DeSimone, a long-time industry professional and award-winning housing finance author, suggests consumers save their skepticism. HUD owns “thousands and thousands” of properties, she says, many of which are in very attractive neighborhoods. “You might go and see one house boarded up, but everything else is pristine,” she said.  In other words, while it’s important to check out the property in person and get a professional inspection, this deal can often be a total steal. Eligible homes are owned by HUD and listed for sale exclusively through the program for seven days. You can find them by using this online tool, which works in much the same way other popular real estate search platforms do, displaying photos, details, and the asking price along with the full property address.  Just one thing: Be sure you’re looking in the same geographical location where you’re planning to work, advises DeSimone. Bringing public servants to the area is the whole point of the program — hence the name. FROM THE HOME BUYING FORUM 3rd Kid Coming; Should I buy a bigger home? 10/8/19 @ 8:42 PM 1 to buy or to rent? 9/12/19 @ 7:59 PM O 401k Loan 7/29/19 @ 2:35 PM B Knowledge Is Important When Buying A Home 7/22/19 @ 1:18 PM See more in Home Buying or ask a money question Purchasing a Home Through the Good Neighbor Next Door Program Let’s say you find your dream home available for half off . What comes next? When you purchase a home through the Good Neighbor Next Door program, you’ve got plenty of funding options. You can pay in cash — an often-out-of-reach option the 50% discount may just bring to the table. Otherwise, you can apply for a conventional, FHA loan or VA mortgage, and you can even use down payment assistance funds, as well.  You will, however, be required to put down 1% of the list price as an “earnest money deposit,” which is cash that must come out of pocket. That said, these homes are selling for about $80,000 on average, said DeSimone, so you’re only looking at a cost of about $800 — and no more than $2,000, per the program’s stated rules. (The minimum earnest money deposit for a HUD home is $500.) You’ll also be required to live in the home for three years, and your residency will be confirmed each year by mail. After this three-year period, you’re free to sell the house if you wish, and keep any equity or appreciation you earn in the bargain. One important caveat: As a failsafe for the three-year residency requirement, Good Neighbor Next Door buyers are required to sign a second mortgage in the amount of the discount they receive — which is, in a half-off deal, equivalent to the purchase price of the house. This “silent” second mortgage doesn’t require any payments or accrue any interest, and it’s dissolved so long as you meet the three-year residency requirement. Is the Good Neighbor Next Door Program Worth It? Like any incentive program, the Good Neighbor Next Door program can be immensely helpful for those who qualify… but it’s not for everyone.  That said, there are plenty of other options available to homebuyers of all backgrounds and experience levels.  For instance, many states offer special homebuyer assistance to veterans, target-area buyers and other select demographic groups, often including public servants. (Here’s a great resource to find out what’s available where you live.) And if you’re a first-time buyer, there are even more options out there to help you get set up. (Psst: Here’s a pretty thorough beginner’s guide.) Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
1
7

Favorite! Would you like to add notes/tags?

Is it time to Decentralize the World?

click photo for more information
Is it time to Decentralize the World?
Is the current state of blockchain development ready to attract a large number of users? For the technology to become mainstream, it needs to be applied in ways that people actually find useful and provide a much better experience than what is already available. Can social media be crypto’s killer app? Decentralized and decentralizing technologies are […] The post Is it time to Decentralize the World? appeared first on Daily Fintech. [...]
1
11

Favorite! Would you like to add notes/tags?

Afternoon Deals: Sunday, October 13

click photo for more information
Afternoon Deals: Sunday, October 13
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
1
7

Favorite! Would you like to add notes/tags?