Pinecone Research is accepting applicants!

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Pinecone Research is accepting applicants!
This post may contain affiliate links. Read my disclosure policy here. Pinecone Research is open to applicants again! But hurry — spots always fill up quickly each month. Pinecone Research has some openings available for new applicants! If you’ve tried in the past and haven’t been able to get in, you might be able to this time around, as they’ve opened their doors to more of a general population for a limited time only. Pinecone Research is one of my very favorite survey companies and one that I found offered the most surveys for the best pay. You’re not going to get rich taking surveys, but you can earn a nice little stream of income from it. Apply here to get started. Looking for more opportunities to make money from home? See my list of recommended survey companies here. [...]
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Dick’s Sporting Goods: Buy One, Get One Free Sxiron Golf Balls

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Dick’s Sporting Goods: Buy One, Get One Free Sxiron Golf Balls
This post may contain affiliate links. Read my disclosure policy here. Here’s a great Father’s Day gift idea! Get Buy One, Get One Free Sxiron Golf Balls at Dick’s Sporting Goods! Right now, Dick’s Sporting Goods is offering Sxiron Golf Balls on sale Buy One, Get One Free! Prices start at just $19.99 so you’ll pay only $9.99 per package after the deal. Choose free in-store pickup to avoid shipping costs. Thanks, Passionate Penny Pincher! [...]
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Cents of Style: Be Series Graphic Tees for just $16.95 shipped!

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Cents of Style: Be Series Graphic Tees for just $16.95 shipped!
This post may contain affiliate links. Read my disclosure policy here. These Be Series Graphic Tees are SO cute! Cents of Style has their brand new Be Series Tees on sale for $16.95 shipped when you use coupon code BEGRAPHICS at checkout. There are five different phrases to choose from: be free, be happy, be you, be kind, and be fearless! Go here to get your Be Series Graphic Tee for $16.95 shipped. Valid through September 20, 2019. [...]
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Hallmark Cards only $0.50 at Walgreens!

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Hallmark Cards only $0.50 at Walgreens!
If you have a birthday or anniversary coming up, be sure to grab a Hallmark card at Walgreens for only $0.50! You can score Hallmark Cards for only $0.50 at Walgreens this week! Here’s how: Buy 2 Hallmark Cards – $2 each Use the $3/2 Hallmark Cards (min purchase of $3) digital coupon, available to clip to your balance rewards card here (one time use; exp 10/31) $0.50 each after coupon Thanks, Hip2Save! [...]
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Uber’s New App Matches Service-Industry Workers With Local Businesses

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Uber’s New App Matches Service-Industry  Workers With Local Businesses
Uber is adding to the ways gig workers can find on-demand jobs. The company launched a new app Friday called Uber Works. Currently available only in Chicago, it connects people with local, temporary gigs. The company also debuted Works.co, a new website ahead of the app’s release. The new platform was announced in a blog post Wednesday. “We believe that finding work shouldn’t have to be a job in itself. For positions as diverse as being a prep cook, warehouse worker, a commercial cleaner or event staff, Uber Works aims to make it easier to find and claim a shift,” the company said in the announcement. Uber tested the staffing platform in Los Angeles last year before moving operations to Chicago for the launch. The new staffing services come as a deviation from the company’s heavy focus on transportation. How Does Uber Works Work? Local gig seekers can download the app on Android and iOS devices to find shifts from a variety of businesses in the area. Users must be 18 or older. “Uber Works app users can get detailed information about shifts they’re interested in, including information about gross pay, work location and skills, or required attire,” the company said in an announcement. “Uber Works also serves as a one-stop shop for all time-tracking needs, allowing users to clock in and out and log breaks.” Gigs are provided by local businesses, not by Uber Works itself, and are primarily related to food services, event setup, general labor and cleaning. In the announcement, Uber said that it won’t directly hire workers. Instead, Uber Works relies on staffing-agency partners to employ workers and handle their pay and benefits. After downloading the app and setting up an account, users can create their own schedule and search gigs from nearby businesses within that time frame. The app’s terms and conditions outline a disciplinary system based on “marks” for tardiness or absences after a worker accepts a job. Two marks are applied for every 15 minutes a worker is late. Six marks are applied for a no-show. Workers who incur 10 marks over a 30-day period are banned from the app. FROM THE MAKE MONEY FORUM Making $$$ from home 10/2/19 @ 5:18 PM work at home 4/3/19 @ 9:26 PM business development 10/1/19 @ 10:27 PM T FlexJobs 9/27/19 @ 5:43 PM s See more in Make Money or ask a money question While Uber Works services are different than many other popular freelance platforms like Upwork and Freelancer, the concept isn’t novel. Chicago-based digital staffing agency Shiftgig was founded in 2012, and it offers essentially the same services across multiple states. Uber has been experimenting with several new services in recent years — including a foray into e-scooters, public transit and now on-demand staffing — in a bid to reach profitability surrounding its IPO in May. In August, the company reported a record $5.2 billion loss in its second-quarter results. In recent months, Uber has laid off more than 800 employees. Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Up to 70% off New Balance Kids Shoes + $1 Shipping!

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Up to 70% off New Balance Kids Shoes + $1 Shipping!
This post may contain affiliate links. Read my disclosure policy here. Do your kids need new shoes for school? Joe’s New Balance is offering up to 70% off kids shoes right now! Through August 15th, Joe’s New Balance is offering up to 70% off shoes! Plus, you can score an extra 15% off final markdowns. No promo code needed. Even better, shipping is only $1 when you use the promo code DOLLARship at checkout. Here are some deal ideas… New Balance Girls 775 Shoes – $18 (regularly $59.99) Use promo code DOLLARSHIP ($1 shipping) $19 shipped after promo code New Balance Girls Shoes – $13.50 (regularly $44.99) Use promo code DOLLARSHIP ($1 shipping) $14.50 shipped after promo code New Balance Kids Core Hook and Loop Shoes – $16.50 (regularly $54.99) Use promo code DOLLARSHIP ($1 shipping) $17.50 shipped after promo code New Balance Girls Shoes – $22.49 (regularly $44.99) Use promo code DOLLARSHIP ($1 shipping) $23.49 shipped after promo code New Balance Girls Fresh Foam Sport Shoes – $27.49 (regularly $54.99) Use promo code DOLLARSHIP ($1 shipping) $28.49 shipped after promo code New Balance Boys Shoes – $22.49 (regularly $44.99) Use promo code DOLLARSHIP ($1 shipping) $23.49 shipped after promo code New Balance Boys Spring Canvas Pack Shoes – $24.99 (regularly $49.99) Use promo code DOLLARSHIP ($1 shipping) $25.99 shipped after promo code Valid through August 15, 2019. Thanks, Hip2Save! [...]
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Aldi, Sprouts, Big Lots, and Kroger Shopping Trips + Our Weekly Menu Plan

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Aldi, Sprouts, Big Lots, and Kroger Shopping Trips + Our Weekly Menu Plan
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. I finally made it to Sprouts on a Wednesday!! If you’re unfamiliar with Sprouts’ sales cycles, they have overlapping sales on Wednesdays — which means you can get the sales from the last week + the sales from the coming week on Wednesdays! They had some great produce deals that I stocked up on: Sprouts Shopping Trip 6 packages of strawberries — $1.25 each 3 Cantaloupe — $0.99 each 2 Pineapple — $0.98 each Sprouts Chocolate Chip cookies — used free coupon Total with tax: $13.24 Did you get your freebies from Sprouts? If not, be sure to sign up for them here. I was SO excited to find so many good clearance deals at BigLots when I went on Wednesday!! My biggest score? Boxes of Kodiak Cakes for $0.75 each!!! Jesse loves these and he was super thrilled at this score! Big Lots Shopping Trip 4 boxes of Kodiak Cakes — marked down to $0.75 each 5 packages of bread, bagels, & English Muffins — $1.40 each (I stuck these in the freezer.) 1 can of Split Pea Soup — marked down to $0.25 3 cans of corn — $0.25 Total with tax: $11.74 Aldi Shopping Trip: Honey Crunch Oats — $1.59 All Purpose Flour — $1.89 2 packages of hot dog buns — $0.85 each Milk — $2.49 Cream Cheese — $1.29 Cheddar Cheese — $1.99 Eggs — $0.73 10 lb potatoes — $3.49 Watermelon — $2.99 Total with tax: $19.39 Have you read my post on my 25 Favorite Things to Purchase From Aldi. And 5 Things You Should Not Buy at Aldi. Kroger Shopping Trip #1 Eggs — marked down to $1.39 All Egg Whites — $4.99 2 loaves of bread — marked down to $0.89 and $0.99 1 bag of apples — $0.99 1 bag of grapefruit — $0.99 Total with tax: $11.36 Kroger Shopping Trip #2 Bush’s Baked Beans — $0.99 each with the Weekend Only deals This past week, we got to host three college girls from Pine Cove all week long who were here leading a Camp in the City for local kids. We provided breakfast every morning for them. Then, we got to have dinner with them on Monday, Wednesday, and Friday (they had dinners elsewhere the other nights). Just for fun, we invited extra friends over on Wednesday and Friday night. I was excited that we were able to do all of the entertaining and still stick with our $70 grocery budget! Oh and we ate a lot of leftovers this past week because we had a lot of extra food. 🙂 (I always want to make sure there is a enough food when we have guests, so that means I tend to plan a lot more food than we actually need! But hey, it means dinner is taken care of the next night!) What We Ate On Our $70 Grocery Budget This Past Week Note: When you see the meals below, please remember this: I buy ahead often. Which means that when I find a great deal on something I know we’ll use, I buy as much as I can afford in our budget to have on hand. This means that you aren’t going to see all of the groceries my shopping trip that I used to make all of the meals we ate. Please also remember that I’m putting this out there and it’s not a perfectly balanced menu. This is just really what we ate — and I hope that it encourages you to see the real-ness and lack of perfection here. Our Menu Plan Breakfasts: Cereal, Pancakes, Bagels, Toast, Waffles, Fruit, Yogurt, Bacon, Sausage, Banana Bread, Apple Muffins Lunches:  Leftovers, Salad, Mac & Cheese, Turkey, Fruit Snacks: Fruit, Popcorn, Cookies, Banana Bread Dinners: Sunday — Fend for yourself Monday — Dinner with our guests: Spaghetti with Meatballs, Green Beans, Fruit, Salad, French Bread Tuesday — Leftovers Wednesday — Dinner with our guests and some other friends: Barbecued Meatballs, Twice Baked Potatoes, Roasted Broccoli, Roasted Brussels, Fruit Salad, French Bread Thursday — Leftovers Friday — Dinner with our guests and some other friends: Brats/Hot Dogs, Squash Casserole, Salad, Fruit Salad, Homemade Mac & Cheese. Saturday — Leftovers $70 Grocery Budget Totals Total spent on groceries: $61.23 Cashback earned this week: 625 points for submitting my receipts to Fetch rewards + $0.10 for submitting my receipt to iBotta rewards. [...]
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Life Update: Pregnancy (week 11) & a trip to South Africa & Herndon, VA

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Life Update: Pregnancy (week 11) & a trip to South Africa & Herndon, VA
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. In case you missed last week’s update, check it out here. 11 weeks! I’m so excited to be getting close to the 2nd trimester! This week was a week full of ups and downs. I had some really bad days and two surprisingly decent days where I actually had a few short windows where I didn’t feel nauseous. It was the most incredible feeling and, even though it was short-lived, it was just the encouragement I needed after having a really rough and discouraging week last week nausea-wise. (By the way, it seems that most people have told me that their nausea is always worst in the mornings. For some reason, mine gets progressively worse as the day goes on. By bedtime, it’s at the severe level and often keeps me up for a few hours. I don’t have any explanation for this but it’s how it’s been in all my pregnancies so I guess it just is what it is!) HIGHLIGHTS: I had another doctor’s appointment this week and another ultrasound. Since Jesse and Kathrynne are in South Africa, I took Silas and Kaitlynn with me to the appointment. It was exciting for them to get to see our baby on the screen! Also, my doctor says the baby has grown quite a bit & everything is looking so healthy. NOTABLE: We had the NIPT test done this week. We opted to do it for a variety of reasons, even though it’s not 100% accurate. One exciting side benefit: we should be finding out what we’re having in the next two weeks! We haven’t decided whether we’ll be telling people or not. We didn’t find out with either of the girls but chose to find out with Silas and decided that we preferred finding out to being surprised. However, with Silas, we decided to keep it a secret from everyone, including our extended family. We may or may not do that again. WEIGHT GAIN: A total of 4 pounds so far… which means that I have officially outgrown a lot of my clothes. I ordered a few new tunic tops from Amazon and a few new pairs of leggings. I also went through my closet and pared it down to the looser-fitting tops/bottoms I already own that I can still into comfortably. I’m guessing I’ll be transitioning to maternity clothes sometime in the next 4-6 weeks. (If I remember right, I usually start wearing them around 17-20 week but I feel like my belly has popped faster this pregnancy!) A Peek Into Our Week A number of you have asked for me to post a picture of Quill (our pet hedgehog). He’s doing so well and has grown so big. A Trip to South Africa Jesse and Kathrynne flew to South Africa on Wednesday to visit our friends there and see how things were going with the ministry we support there. (We usually go every year and it’s one of my favorite places ever, but for some reason, I didn’t feel a peace about going this year. It didn’t make any sense at all, but I just felt strongly that I wasn’t supposed to go… little did I know that it was going to be because I was pregnant!) They’ve been sending me pictures of their time there and I am just so happy for them. Jesse said that Kathrynne is having the best time and it warms my mama heart so much to see my girl halfway around the world loving on these kids and teens. While they’ve been gone, we stayed busy back here. I got to interview Aundi Kolber for next week’s podcast episode. I can’t wait for you to listen to this episode; it is fantastic! (Also, we looked like we were dressed for a gender reveal party or something! I didn’t even realize it until I looked at the picture we took together after she left!) I also was so excited one morning to feel well enough to go to Kroger quickly and pick up their Friday-Saturday deals! A Trip to Herdon, VA And then Kaitlynn and Silas flew with me to Herdon, VA for me to speak at the 2:1 conference. (I usually only bring one child with me on speaking engagements, but since they were both on fall break and Jesse and Kathrynne were gone, they both got to come with me!) One of the highlights of the conference was getting to meet Janet Benge, who has co-authored so many of the Christian Heroes Then and Now books. I had to get a picture for my mom. I loved getting to do a breakout workshop about exploding your engagement on Instagram! The attendees were the best and I could have stayed for another hour or two and answered all the questions I didn’t get to answer during the session and at the end! One of my favorite things is getting to help others also fall in love with the power of Instagram. Speaking of which, are you following me on Instagram? If not, you’re missing out as I share lots of behind-the-scenes, money-saving deals, and real-time updates there… many that I never get space to share here on the blog! I also gave the morning keynote sharing how my parents impacted my life and the power of legacy. What I’m… Reading right now: The Only Plane in the Sky (Note: This has a little bit of language in it, but it is a very worthwhile read and I would highly recommend it.) Watching right now: Have you seen the Enneagram Rhapsody? Multiple sent it to me this week and I had to laugh because there was so much truth in it. If you are an Enneagram fan, you’ll probably love it, if you haven’t seen it yet. 🙂 Listening to right now: This week, I’ve been listening to the Serene and Pearl UnShow at night when I have trouble sleeping because of nausea. I love the Trim Healthy Mama podcast and their quirky sense of humor and the way they disagree with one another and tease one another. (A lot of people are annoyed with how they talk over each other on their podcast. I happen to love it — probably because I grew up in a large family and we are always talking over each other and teasing one another mercilessly!) Loving right now: This kimono (I have it on in the photo at the top of this post. It’s perfect to dress up an outfit, so comfortable, and is something I’ve worn multiple times in the last month!) What are YOU reading, watching, listening to, and loving right now? I’d love to hear! In Case You Missed It: Guess what? I actually went to Kroger! Jesse Answers Your Burning Questions 2019 Goals: September Update [...]
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Afternoon Deals: Monday, May. 13

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

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9 of the Hottest Products on Amazon Today
Whether you’re an impulse shopper or just like to be on top of the latest trends, you need to check out Amazon’s “Movers & Shakers” lists. These are the hottest items on Amazon right now, based on how much their sales rank has jumped compared with 24 hours earlier. According to Amazon: “For example, if a music item has a current sales rank of 10, but was ranked 30... [...]
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Free Workshop: How to Write Your First Book in 90 Days

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Free Workshop: How to Write Your First Book in 90 Days
Have you ever thought about writing a book? If so, you’ll want to sign up for the free workshop on how to write and launch your first book in 90 days. Do You Want to Publish a Book? Do you have an idea for a book? Or have you ever wondered what the book-writing process was like? Would you love to hear from someone who successfully self-published a book and become a best-selling author? On Tuesday (July 23, 2019), I’m hosting a free live workshop with Chandler Bolt on how to become a published author. Chandler‘s story is so inspiring — he went from being a college dropout to a 6-figure business owner and bestselling author in less than two years! In this live workshop, Chandler will walk us through the exact steps you need to take to go from Blank Page to Published Author in 90 days…in just 30 minutes each day. (Click here to register for free.) Chandler’s students have had massive success implementing the same steps you’re about to learn. In fact, he’s had at least one student publish a book every single day for the last year. What You’ll Learn in This Free Workshop In this workshop, Chandler will share: The 3-Step System he uses to write, publish, and launch a bestselling book in as little as 90 days. (And how to use your book to leave a legacy.) How Chandler wrote his first book – 200+ pages – in just 1 week (and how you can, too). An approach to find your book idea in under an hour – and turn your idea into a finished book in just 3 steps and a few hours. How to leverage your book to grow your authority, income, and business. All the details on how Chandler made $4,000/month in book royalties with his first book. Go sign up to join us at this Free Live Workshop here. [...]
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Getting a Bonus? Here’s How Much You’ll Really Get After Taxes

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Getting a Bonus? Here’s How Much You’ll Really Get After Taxes
There’s nothing like a nice bonus to make you feel a bit better about your day job. Whether it’s the year-end check that makes holiday shopping a little less stressful or just a reward for your great performance, a bonus is always a welcome windfall. Of course, when you earn money, you almost always have to save some of it for Uncle Sam. So how are bonuses taxed, exactly? How Are Bonuses Taxed? Here’s What the IRS Says According to the IRS, that bonus of yours is “supplemental income,” a category that also covers commissions, overtime pay, prizes, retroactive pay increases and more. Supplemental income is subject to a slightly more convoluted withholding pattern than your regular wages, depending on how much of a bonus you earn and the way in which your boss disperses it. How Normal Bonuses Are Taxed In most cases, a bonus is paid and identified separately from your regular wage by your employer — and in that case, your employer can use a couple of different methods to calculate the tax withholding. Option 1: A flat 22% of your bonus is withheld. Pretty simple — and nice, if you earn enough money to put you in a higher income bracket overall. (Not so nice if you’re in the 10% or 12% brackets, though.) Option 2: If your bonus is added into a regular paycheck, your employer can use the aggregate method, which is a little more complicated. Basically, the withholding for the total check amount is calculated as it normally would be per your income bracket and W-4 information, and then your employer subtracts the amount that would be withheld on a regular paycheck.  For instance, if you get a check for $4,000 — a $3,000 bonus on top of your normal $1,000 wages — your employer would calculate the amount you’d be taxed for $4,000 in regular wages. Say that amount was $300, and you normally see $50 of your $1,000 check withheld. In this case, your employer would subtract the $50 from the $300 to get a total withholding of $250. How Bonuses Over $1 Million Are Taxed OK, this might sound unrealistic for most of us, but here’s the rule: If you earn more than $1 million in supplemental wages, the first $1 million will be taxed at the regular 22%, and then the remainder will be taxed in your regular income bracket… which in this case is 37%. Ouch. But then again, you’re earning a million-dollar bonus, so maybe you’re not that worried about it. FROM THE TAXES FORUM 401k contribution 4/17/19 @ 5:45 PM B Tax Settlement Firms - Legit? 4/11/19 @ 5:43 PM W Disability 4/4/19 @ 7:39 PM I've a question about Federal and State Taxes 3/30/19 @ 7:56 PM See more in Taxes or ask a money question Why You Could Get Some of That Money Back Keep in mind that if your employer doesn’t specify that the extra cash is a bonus and just lumps it all in with your regular pay, it’ll be taxed at the same rate your regular paycheck would be, without any fancy mathematical acrobatics.  And although the bonus is subject to specific tax rules when it’s paid, when Tax Day comes, it’s treated just like any other kind of income. That means you could earn some of your bonus back in the form of a refund if your tax return shows too much was withheld for your total taxable income level, after accounting for deductions and credits. No matter how it’s taxed, a bonus is basically free money you weren’t expecting. And you don’t have to worry about your bonus catapulting you into a higher tax bracket, either — because even if it does, only the money above that bracket threshold will be taxed at the higher rate. Although it can be frustrating to see part of that check disappear into the ether, focus on the positive: the sudden cash infusion! Jamie Cattanach is a writer whose work has been featured at Fodor’s, Yahoo, SELF, The Motley Fool and other outlets. Her focuses include personal finance, travel, body image and more. She writes to find (and share!) the best ways to live intentionally, adventurously and happily. 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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7 Things I Always Buy at Estate Sales

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7 Things I Always Buy at Estate Sales
Zadorozhnyi Viktor / Shutterstock.com I love a good estate sale. It’s one of the few opportunities in life to walk into someone’s home, look around and take away whatever catches my eye. Who could resist? My love of estate sales started in Chicago, a city where weekend “estate sale-ing” is practically a contact sport. Twenty years later, it’s still my favorite way to... [...]
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Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit

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Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit
These are adorable and such a great idea for little ones that are ready to start helping out in the kitchen. You can grab the Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit for only $19.99! You will be saving 33% on this purchase because it is normally $29.99. This set includes a vegetable ... Read More about Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit The post Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit appeared first on Penny Pinchin' Mom. [...]
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Free Toy Story 4 Movie Ticket when you buy 3 Almond Breeze Products!

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Free Toy Story 4 Movie Ticket when you buy 3 Almond Breeze Products!
Love Blue Diamond Almond Breeze products? Buy three and get a free Toy Story 4 Movie Ticket! Through August 2nd, score a free Toy Story 4 Movie Ticket when you buy 3 Blue Diamond Almond Breeze products! Simply purchase the products in one transaction by August 2nd and then upload your receipt by September 2nd. Thanks, Freebie Shark! [...]
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What to Buy (and Skip) in June

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What to Buy (and Skip) in June
In June, you may have to buy gifts for Father’s Day, graduations and weddings — or at least one or two of those occasions. After all that shopping for dads, grads and newlyweds, get a deal on something for yourself, because June will deliver plenty of savings. From scooping up swimwear to saving money on...The article What to Buy (and Skip) in June originally appeared on NerdWallet. [...]
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*HOT* ReadingIQ Deal: Annual subscription for just $2.49 per month! {Silas loves this app!}

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*HOT* ReadingIQ Deal: Annual subscription for just $2.49 per month! {Silas loves this app!}
This post may contain affiliate links. Read my disclosure policy here. If you have a child who struggles with reading, I highly, highly recommend this ReadingIQ app! And this is a GREAT discount! ReadingIQ is offering a RARE discount for Memorial Day weekend!! You can get 68% off their annual subscription — which means you’ll pay just $29.99 total for an entire year! That’s like getting eight months for FREE. You’ll pay just $2.49 per month!! ReadingIQ is a brand-new online digital library for kids that offers thousands of books for all reading levels. And I can’t sing the praises of this reading app enough! Silas had never been excited about reading until he started using this app a few months ago. This app has made him fall in love with reading — something I never thought would be possible after years of his struggle with reading. In the first 6 weeks of using it, he logged close to 600 minutes of reading on ReadingIQ… all on his own. And did I mention this was with almost zero coaxing or encouragement from me? When you sign up with ReadingIQ, you get: Unlimited access to thousands of books. Anytime. Anywhere. Accessible on desktops, tablets, and phones Popular titles and characters that children know and love All titles carefully curated for readers 12 and under Book recommendations for every child based on his or her level Ability to monitor your child’s progress Award-winning titles, including Caldecott and Newbery Medal winners Up to 3 children per account Guided Reading and Lexile® levels available for thousands of books Ability to preview the content your child is exploring More than 700 professionally voiced titles This is the first time I’ve seen them offer a discount like this, so definitely take advantage of it! This is a HUGE savings off the regular price of $7.99 per month! Psst! If you’re not sure you’re ready to purchase yet, you can still get a FREE one-month trial instead! After the first month is up, if you decide to continue your subscription, it’ll cost $7.99 per month. Go here to get this rare ReadingIQ discount. [...]
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Easy Meals for 20+ People | Our Vacation Menu Plan for 28 People

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Easy Meals for 20+ People | Our Vacation Menu Plan for 28 People
Need some easy meals for 20 people? Here’s how we fed 28 people on our recently family vacation including the meals we made + how we divvied up the responsibilities. Want more easy recipes for large groups? Check out my post on last year’s Big Family Vacation Menu Plan. Easy Meals for 20+ People We recently went to Utah with my entire extended family (parents, 3 brothers, 3 sisters, and their spouses and kids). My dad rented a huge cabin for us to stay in and we all pitched in and helped with the food. I thought it would be fun to share what we ate and how we planned and divided up the responsibilities. This might give you some inspiration in case you need some suggestions for easy meals for 20+ people! How We Planned and Divvied Things Up My sister planned the menu with easy meals that would feed a crowd and sent out a sign-up form using Perfect Potluck (it’s free and so easy to use!). Each family signed up for the main dishes and side dishes they wanted to be in charge of. (A screenshot of the sign up form on Perfect Potluck.) Whatever meals or parts of meals you signed up for, you were in charge of bringing the ingredients for and cooking/baking. This time around, we also had a sign-up for kitchen clean-up, too, so that my dad wouldn’t spend the entire trip doing dishes. (He’s always working in the kitchen, it seems! He says he loves it, but 28 people make a LOT of dishes!) What We Made for Breakfast Here’s what we served for breakfast: Pancakes, Bacon, Scrambled Eggs, Orange Juice Baked Oatmeal (my sister made the mix of the dry ingredients ahead of time for this), Sausage, Orange Juice Cereal, Fruit, Leftover Pancakes & Eggs What We Made for Lunch For lunch, we had a huge Build-Your-Own Salad Bar (most all of my family loves salads!). We also had bread and meat/cheese for sandwiches for the kids and any adults who didn’t just want a salad. In addition, we set out any leftovers from breakfast or dinner. Build-Your-Own Salad Bar Ingredients: A variety of Greens and Lettuce, Canned Tuna/Salmon, Boiled Eggs, Raisins, Seeds/Nuts, Avocados, Bell Peppers, Cucumbers, Chickpeas, Cherry Tomatoes, Dressings What We Made for Dinner Here’s what we made for the dinners: Build-Your-Own Haystacks, Homemade Guacamole, Rice Grilled Chicken, Mashed Potatoes, Salad, Fruit, Green Beans, Homemade Rolls Hamburgers/Hot Dogs, Tater Tots, Corn on the Cob, Watermelon, Veggie Tray, Steamed Broccoli Here’s what our family contributed contributed (I went to Smith’s — a Kroger affiliate — and was able to get all of this for around $50!) + I brought some salad toppings, canned tuna and salmon, and some extra snacks in our luggage. It’s amazing how it’s not too much work on any one person to feed 20+ people if we all pitch in and help! What other ideas of easy meals for 20+ people do you have? I’d love to hear! Want to cut your grocery budget? Go here and sign up (it’s free!) I’ll send you my 10 Easy Ways to Cut Your Grocery Bill By $50. [...]
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These Colleges Will Pay Tuition, but You’ll Work for It

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These Colleges Will Pay Tuition, but You’ll Work for It
When Collis Robinson attended Berea College in Kentucky, he worked typical campus jobs — cleaning restrooms and setting up events. But he also worked jobs students don’t usually do, including comptroller for the campus activities board and, as a senior, student director of the board. “I led 22 people and had a $70,000 budget to manage,”... Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article These Colleges Will Pay Tuition, but You’ll Work for It originally appeared on NerdWallet. [...]
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Here’s How to See If Your Old Pokemon Cards Are Worth Something

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Here’s How to See If Your Old Pokemon Cards Are Worth Something
The resurgence of Pokemon — thanks to a new movie and video game set for release soon  — has young adults rummaging through their closets in hopes of finding their old collection of trading cards. And, if they’re lucky, a rare card that could make them a fortune. The 1996 video game-turned-Japanese-anime-turned-trading-card-game series holds a special place in the hearts of ‘90s kids, who cherished the furry creatures with elemental powers that could be traded and battled and hoarded for years to come. For Scott Pratte, a Pokemon enthusiast and card-trading expert, the hobby never dimmed. Pratte, 31, collects and sells some of the most treasured Pokemon cards in the world. “I’ve done 7-figure deals,” Pratte says. “That’s just one deal, not even my lifetime” earnings. Due to nondisclosure agreements, he can’t say exactly which cards have made him the most money, but he says that his trophy cards, aka the rarest Pokemon cards on the market, easily rake in upwards of $1 million. Only a select few people hold these trophy cards, usually those who won Pokemon tournaments in the early 2000s and were awarded ultra limited edition cards. But there are a fair amount of more common Pokemon cards that could sell for hundreds or even thousands of dollars. Pokemon Cards Worth Selling The two biggest value factors to consider about old Pokemon cards are their rarity and condition. In terms of rarity, “base-set” cards are where the money is for most collectors, and these cards are the most traded ones in the hobby. Set cards are “any card you can pull from a pack” bought from the store, says Pratte. The base set comprises the original 102 cards printed in 1999 and includes classic Pokemon like Pikachu, Blastoise, Charizard and Venusaur. A complete first-edition base set in mint condition sold for $100,000 in December 2017. If you have a base-set card in your collection, there are a few visual indicators of its worth. Holographic cards: These are the most discernable at first glance. The background of the Pokemon illustration is shiny and reflective — not the whole card, only the picture of the monster. They’re typically referred to as “holo” cards, and only 16 of the original 102 are holo. First-edition cards: Directly next to the left corner of the illustration appears the “edition 1” logo. These cards were bought up shortly after initial release and remain some of the rarest and most sought-after cards. Shadowless cards: This version is almost identical to the first-edition prints but exclude the first-edition logo. If you don’t have a newer card for comparison, this is particularly hard to notice: the illustration box appears 2D. On newer cards, the picture box has a shadow along the right border to give it a 3D appearance. Unlimited cards: These cards are still old and rare, but they do not include the first-edition symbol and have an added shadow behind the illustration to give the picture box a 3D effect. To check if your card is part of the base set, look at the bottom right corner of the picture box. If you do not see one of the many later-added set symbols, then you have a base-set, Unlimited card. The second important factor in a card’s value is the condition. If you do happen to have a first-edition, holographic base-set Charizard, you’re not guaranteed thousands of dollars. The price it fetches depends on how well the card has been taken care of. If you have a card that you expect is worth more than $100, Pratte recommends getting it graded by Professional Sports Authenticator (PSA). Despite its name, the PSA grades all kinds of trading cards, including non-sports cards like Pokemon. PSA’s 10-point grading scale is accepted as the industry standard, and the company also publishes price guides to help determine a card’s worth. According to its current valuations, first-edition cards in perfect condition are valued at a minimum of $40. Those aren’t rarer, holographic cards either. A first-edition holo in mint condition can rake in between $1,000 and $24,000. So why Pratte’s $100 limit? Well, the number isn’t a hard-and-fast rule, but the card-grading services offered by PSA will cost $20 or more per card, meaning a lower-value card doesn’t always merit the cost to get it authenticated. “It’s a process,” says PSA spokesperson Terry Melia. “But it’s something that could reap big rewards in the end.” In addition to grading the condition of the card, PSA ensures the card isn’t a forgery by using high-powered lights and magnifying equipment to check for tampering. “There are a lot of forgeries and bogus merchandise out there,” says Melia. Especially so online. FROM THE MAKE MONEY FORUM How I Get 5/6 Customers To Leave Reviews (All Positive) 7/11/19 @ 6:26 PM S Need advice on working from home 6/14/19 @ 12:35 PM Pls help 7/9/19 @ 1:33 PM tutoring business 6/16/19 @ 10:17 PM See more in Make Money or ask a money question Where to Sell Pokemon Cards After you’ve done some homework — checking the type of card, estimating its value and sending it in for authentication, if needed — you’re finally ready to sell. “The main marketplace is for sure going to be eBay,” Pratte says. “Even if you’re someone who just stumbled upon your childhood collection, it’s really easy to take a couple of pictures [and] make a decent listing.” The PSA’s grading system and authentication make selling online much easier. This process allays fears that the card is a fake and curbs arguments over its true condition. Each authenticated card comes in a protective case with the grade and barcode clearly visible at the top. As Pokemon re-enters mainstream culture with the release of new video games and movies, expect to see an uptick in buying and selling activity of old cards. But interest doesn’t pick up overnight. “It’s not binary in that sense,” Pratte says. Instead, it’s a more gradual process where each new Pokemon-related release reminds twenty- and thirty-somethings of their childhood: the crinkling sound of ripping open a new pack of cards followed by a strong whiff of ink as they shuffle through the set, hoping to find something rare. Pratte offers this caution about getting rich overnight: “Be realistic.” “If you put in little or no effort back in the day,” he says, “you probably don’t have the homerun card.” But as you rummage through your collection, remember that there’s no rush to purge now. Spend some time with your cards. See if they’re valuable. Consider getting them authenticated. Then decide if they’re worth selling. After two decades, Pokemon — and its card-collecting hobbyists — aren’t going anywhere anytime soon. Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Low Price on Subscription to Popular Mechanics Magazine!

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Low Price on Subscription to Popular Mechanics Magazine!
Today only, subscribe to Popular Mechanics Magazine for only $6.99 per year (83% off)! You can order up to 4 years at this price! Just enter coupon code PENNYPINCH Popular Mechanics is a magazine devoted to science and technology. Each issue is packed with informative articles on automotives, home electronics, science, technology, outdoors, world news, ... Read More about Low Price on Subscription to Popular Mechanics Magazine! The post Low Price on Subscription to Popular Mechanics Magazine! appeared first on Penny Pinchin' Mom. [...]
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12 Ways to Get Cheap Photo Prints

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12 Ways to Get Cheap Photo Prints
This post may contain affiliate links. Read my disclosure policy here. Looking for the best online photo printing deals? If you love to order prints online but hate paying full price, check out these tips for getting cheap photo prints! {Looking for all the latest photo deals? Go HERE.} Reader Kara wrote in with this great question: “Hello, I was wondering what is the least expensive way to print pictures? I used to wait until Shutterfly did their free prints deals but last time I did that it seemed that their shipping fees had gone up. Any other suggestions?” How to Get Cheap Photo Prints I know many of you are probably like Kara and on the hunt for cheap photo print deals! So I decided to take this question to the readers on our Facebook page to see what their best tips were (thank you to those of you who commented!). They came up with a lot of great suggestions, but these were the top companies! Before you go to order prints online, be sure to check out these tips for getting cheap photo prints: 1. Shutterfly While shipping costs have gone up slightly over the years, Shutterfly is still a go-to option for discounted photo prints because of the amount of coupon codes they offer on a regular basis. In fact, Shutterfly regularly offers free print deals to new and established customers. New customers receive 50 free prints and select free products when they sign up. Shutterfly also has prepaid print plans that can give you photos for just 9 cents each. To keep shipping costs lower, try ordering 95 prints when a free print deal is going on. The shipping fees can be up to $4.00 less by simply decreasing your order by a few prints. Or, consider doing in-store pickup instead. During the checkout process, click the “1-Hour Pick Up Available” link under eligible 4×6 prints to search for your preferred local Target, Walmart, or CVS store by zip code. The Shutterfly app offers unlimited free 4×6 and 4×4 prints. You only have to pay for shipping. The app also regularly offers free deals and you’re able to edit within the app. 2. Snapfish Snapfish offers standard 4×6 prints starting at 9 cents each, plus shipping. They regularly offer free and discounted print deals to new and established customers. New customers receive 100 4×6 prints when they join. Sometimes they even offer deals where you can get FREE prints with FREE shipping! If you choose to pick up your prints in-store from participating CVS or Walgreens stores, you can see the cost difference on the order screen. For instance, you can get up to 49 prints from CVS at 29 cents each. If you get 50 or more prints, the price goes down to 19 cents apiece. It might end up being cheaper to choose this option instead of paying for the 9 cent prints plus shipping. The Snapfish App gives you 100 free prints each month for the first year you sign up with the app. You only have to pay for shipping and one reader reported her shipping was only $2.95. Shipping costs may vary according to where you live. You can edit photos within the app and see how they will print. 3. Amazon Prime Photos Amazon Photos offers 4×6 prints for 9 cents each with free shipping. Members receive 5 GB of storage free but after that, you’ll need to choose a digital storage plan. If you’re a Prime member, you get unlimited storage for free! They do occasionally offer free prints. Note: If you’re not a Prime member, you can sign up for a FREE 30-day trial! 4. FreePrints App Customers receive 85 free 4×6 prints per month and only need to pay for shipping. You can get up to 1000 free prints in a year! If you need more than 85 prints, you can pay for those. Shipping starts at $1.99 and is never more than $9.99 no matter how many prints you order. There’s also a FreePrints Photobooks app, which will give you one free photo book per month. There are not subscriptions and no commitments. 5. Walmart Walmart offers 9 cent 4×6 prints for home delivery, plus shipping. If you do the 1-Hour Rollback option in the store, it’s 25 cents per print for 74 photos or less and then 15 cents apiece for 75 photos or more. They offer free shipping on orders over $25. 6. Adoramapix Readers really loved Adoramapix’s photo quality, especially for photo albums. 4×6 photos are currently 29 cents each and economy shipping is $5.95. (See their price list.) They also offer a full range of photo sizes so keep them in mind if you need a non-standard print. You can sign up for special deals on their website. And if you’re a new customer, you can get 15% off your first order with coupon code Pixnew15 at checkout. They also have an app for Apple products. 7. Mpix People who prioritize photo quality will also want to take a look at Mpix, a service even photographers recommend. Readers are impressed with the quality, as well as the care they take in packaging your products. 4×6 prints are 29 cents each. Economy shipping is $3.95. They have a Reward Program where you can earn points toward discounts and special offers with every purchase you make. You can earn 100 points just for signing up for a Mpix account. 500 points can earn you free shipping or a $5 off coupon. 8. Costco Prices start at 17 cents for the first 99 4×6 prints at Costco with warehouse pick-up and decrease to 14 cents for 100 or more prints. 4×6 prints are 9 cents if you opt to have them shipped to the warehouse instead; shipping costs vary but it is free if you opt for standard delivery. 9. Sam’s Club 4×6 photos are 10 cents each for 1 Hour Photo. They are 8 cents each if shipped to your home. They regularly offer special deals and you can upload your photos on their app. New customers get 50 free prints when they sign up for an account. 10. Walgreens The first 74 4×6 prints from Walgreens are 33 cents each. 75 or more prints are 23 cents. The price is the same for in-store pickup and mail delivery. Standard shipping costs start at $0.99 and go up to $5.89. Many readers report they’ll place their order through the app or website and pick it up at the store an hour later or at their convenience instead of having it shipped. Customers can sign up to receive special deals by email. The Walgreens app allows you to print the photo off your phone. Readers report they regularly receive free print and coupon deals, along with earning Balance Reward points. One reader went so far as to say she’s saved more money than she’s spent! 11. CVS As a competitor of Walgreens, they have a very similar pricing structure. The first 74 4×6 prints from Walgreens are 33 cents each and 75 or more prints are 23 cents. 12. Groovebook Groovebook is a unique option that lets you create a 4×6 “photo book” with between 40-100 pictures each month. The photo are perforated, so you can tear and share them just like regular photo prints. Subscriptions cost $3.99 per month — so it’s like paying just under $0.04 per print! You can get your first Groovebook for FREE with code MYFREEBOOK at checkout. If you have fewer than 100 photos that month, they’ll fill the rest of the book with duplicates. The app seamlessly integrates with the photos on your phone and is available for iPhone and Android. I’ve heard from a lot of people who use and love Groovebook! Bonus Tip: You might also try your locally owned photography shop, because they typically offer coupons and have some of the best quality around! While this will vary by location, it’s definitely an option to look into! Do you order prints online? What are your best suggestions for getting cheap photo prints and finding the best online photo printing deals? [...]
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BoE Mandates Climate risk stress tests, can Fintechs help?

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BoE Mandates Climate risk stress tests, can Fintechs help?
If you were in London over the last couple of weeks, you wouldn’t have missed the activities of the extinction rebellion. While I don’t condone all their actions, they are making a valid point and it is being heard at the highest and the lowest levels. A week ago, I explained to my five year […] The post BoE Mandates Climate risk stress tests, can Fintechs help? appeared first on Daily Fintech. [...]
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Shop Your Closet to Find 7 Last-Minute Halloween Costumes (For Free!)

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

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United Miles No Longer Expire: What This Means for You
United surprised us with a pretty generous announcement: Starting today, United miles will no longer expire. That’s right — you no longer have to worry about losing your miles because you didn’t keep your MileagePlus account active over the last 18 months. This announcement was made on the heels of news that United is doing... Ariana Arghandewal is a writer at NerdWallet. Email: travel@nerdwallet.com. The article United Miles No Longer Expire: What This Means for You originally appeared on NerdWallet. [...]
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Instacart: $10 off a $35 Aldi Order!

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Instacart: $10 off a $35 Aldi Order!
This post may contain affiliate links. Read my disclosure policy here. Love to shop at Aldi? Get $10 off a $35 Aldi order right now! Right now, Instacart is offering $10 off your first three Aldi orders of $35 or more when you use the promo code SHOPALDI19 at checkout! Here’s how to snag this offer: Go here and choose Aldi as your store to shop (Ignore the pop-up offer that says you can sign up for Aldi Express for 2 Weeks – just choose NO THANKS.) Load up your cart with Aldi deals Use code SHOPALDI19 on the payment page (in the lower right hand side) See $10 come off your total Note: If you have Instacart Express, you’ll get FREE delivery and not have to pay shipping since your order is more than $35. Otherwise, shipping is between $3.99-$7.99. There is also always a service fee and suggested tip when you use Instacart. Thanks, Passionate Penny Pincher! [...]
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How to Pay for a Coding Boot Camp

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How to Pay for a Coding Boot Camp
Coding boot camps are short-term training programs with big price tags. For a typical 15-week coding boot camp, you’ll pay an average of $11,906 for in-person programs, according to Course Report, a coding boot camp review site. Coding boot camps are run by for-profit companies and are not accredited schools. That means the boot camps aren’t overseen... Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article How to Pay for a Coding Boot Camp originally appeared on NerdWallet. [...]
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10 Things That Can Ding Your Social Security Benefit

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10 Things That Can Ding Your Social Security Benefit
Halfpoint / Shutterstock.com You’ve worked hard for Social Security retirement benefits, and you probably want every dollar you’re entitled to receive. Unfortunately, the sad reality is that there are reasons why your Social Security payments could decrease. Many are in your control, but some are not. Keep reading to find out how your monthly check could get dinged for everything from... [...]
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Verizon Announces Another Dividend Hike

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Verizon Announces Another Dividend Hike
It marks the 12 consecutive year in which the large wireless operator has hiked its dividend. [...]
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5 Things to Know About UBS Business Credit Cards

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5 Things to Know About UBS Business Credit Cards
UBS Bank caters to wealthy individuals, institutions and corporate clients worldwide, as well as private clients in Switzerland. So naturally, when the bank launched a trio of business credit cards in June 2019, the cards all came with princely perks and swanky benefits befitting the high-end clientele most likely to bank with UBS. Not everyone will be... Robin Saks Frankel is a writer at NerdWallet. Email: rfrankel@nerdwallet.com. Twitter: @robinsaks. The article 5 Things to Know About UBS Business Credit Cards originally appeared on NerdWallet. [...]
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Dick’s Sporting Goods: Up to 85% off Reebok Apparel!

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Dick’s Sporting Goods: Up to 85% off Reebok Apparel!
This post may contain affiliate links. Read my disclosure policy here. Love Reebok? Score some great deals on Reebok apparel right now! Wow! Dick’s Sporting Goods is offering an extra 60% off select Reebok shoes and apparel for the whole family right now! No promo code is needed. Please note that these prices will not show up until you add them to your cart. Here are some deals you can score… Get this Reebok Boys 24/7 Jersey Hoodie for only $3.58 (regularly $25)! Choose from two colors. Get these Reebok Boys Mesh Pants for only $4.79 (regularly $20)! Get this Reebok Women’s Crewneck Jersey T-Shirt for only $4.40 (regularly $15)! Get these Reebok Girls’ Side Stripe Cotton Capris for only $3.59 (regularly $20)! Get these Reebok Boys’ Heather Cotton Fleece Jogger Pants for only $3.99 (regularly $25)! Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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8 Things Private Equity Firms Look for in Companies

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8 Things Private Equity Firms Look for in Companies
The post 8 Things Private Equity Firms Look for in Companies appeared first on ONEtoONE Corporate Finance. [...]
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Ravensburger Science X Smartscope Science Kit

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Ravensburger Science X Smartscope Science Kit
If you have a little one on your shopping list that loves science, this would be a great gift idea to grab! You can get the Ravensburger Science X Smartscope Science Kit for only $23.29. You will be saving 48% on this purchase because it is usually $44.99. Be sure that you grab this deal ... Read More about Ravensburger Science X Smartscope Science Kit The post Ravensburger Science X Smartscope Science Kit appeared first on Penny Pinchin' Mom. [...]
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AmazonBasics Silicone Baking Mats, 2 pack only $8.38!

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AmazonBasics Silicone Baking Mats, 2 pack only $8.38!
This post may contain affiliate links. Read my disclosure policy here. Yay! This deal on these popular AmazonBasics Silicone Baking Mats is back! Amazon has these AmazonBasics Silicone Baking Mats (2 pack) for only $8.38 right now – the lowest price on record! Sign up for a free trial of Amazon Prime to get free 2-day shipping. And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Thanks, Freebie Shark! [...]
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Women’s Health Magazine Subscription Discount!

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Women’s Health Magazine Subscription Discount!
Snag a subscription to Women’s Health at the lowest price we’ve seen! WOMEN’S HEALTH SUBSCRIPTION DISCOUNT Now through 9/26/19, you can save 90% off your subscription of Women’s Health Magazine!  Enter the coupon code PENNYPINCH at checkout and you’ll pay just $4.95 per year! If you currently subscribe, go ahead and extend your subscription at this low ... Read More about Women’s Health Magazine Subscription Discount! The post Women’s Health Magazine Subscription Discount! appeared first on Penny Pinchin' Mom. [...]
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Noom: The Gift I Gave Myself this Mother’s Day

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Noom: The Gift I Gave Myself this Mother’s Day
This is a sponsored post on behalf of Noom. All opinions are my own and were not influenced by any parties. I love Mother’s Day!  And it has nothing to do with the cards or the gifts.  I love it because of what it means.  It is about the greatest blessings in my life – ... Read More about Noom: The Gift I Gave Myself this Mother’s Day The post Noom: The Gift I Gave Myself this Mother’s Day appeared first on Penny Pinchin' Mom. [...]
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Never Buy These 13 Things at a Thrift Store

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Never Buy These 13 Things at a Thrift Store
One of the best ways to make the most of your money is to head to the thrift store and see what’s available. Last year, I bought a bed frame and cute lampstand for less than $13 total. But just because something is cheap, that doesn’t mean it’s a good idea to buy it. There are some things you should avoid at thrift stores. I asked a few consumer advocates and frugal experts to... [...]
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Fall in Love With Your Car Again Without Breaking the Bank

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Fall in Love With Your Car Again Without Breaking the Bank
We used to have a joke in our family. I’d wash the family beater, gas it up, and then say to my kids, “See how much better it runs now?” Then, based on their skeptical faces, I’d add, “It’s scientifically proven.” Your perception of your car, how it looks and how it drives, might be more... Philip Reed is a writer at NerdWallet. Email: preed@nerdwallet.com. Twitter: @AutoReed. The article Fall in Love With Your Car Again Without Breaking the Bank originally appeared on NerdWallet. [...]
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Amazon Music Unlimited 4-Month Membership just $0.99!

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Amazon Music Unlimited 4-Month Membership just $0.99!
This post may contain affiliate links. Read my disclosure policy here. As an early Amazon Prime Day deal, you can get a HOT deal on an Amazon Music Unlimited membership! {Did you see that you can also get a FREE 3-month subscription to Kindle Unlimited right now?!} If you’re a Prime member who has never tried Amazon Music Unlimited, you can currently get a 4-month subscription for just $0.99! This is a HOT deal, because you get 30 days for free and then pay $7.99 each month after that. That means you’re saving $22.98 with this deal! With this music streaming service, you’ll get: Completely ad-free music streaming. Tens of millions of songs and thousands of expert-programmed playlists and stations. The ability to listen to any song, anytime, anywhere, on all your devices – smartphone, tablet, PC/Mac, Fire TV, and Alexa-enabled devices like Amazon Echo. Personalized recommendations based on your listening habits. Offline listening with downloadable songs and playlists. The hottest new releases from today’s most popular artists. The choice of an individual or family plan. *Note: After your first 4 months of Amazon Music Unlimited, your plan will automatically renew at the monthly rate of $7.99 per month. If you don’t wish to continue at the full price each month, be sure to cancel before your first 4 months is up. Valid ONLY for Prime members who are new subscribers, through July 16th. Go here to get started with your 4-month subscription. Psst! Are you ready for Amazon Prime Day?! [...]
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How to Figure Out How Much You’ll Really Need in Retirement

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How to Figure Out How Much You’ll Really Need in Retirement
Want to stop working someday and retire? It takes money to make that happen. If you don’t know how much you will need, you’re in the majority.  A 2019 study from Northwestern Mutual that polled 2,003 American adults found that 56% didn’t know how much money they’ll need to retire. The same study found that 22% had less than $5,000 saved, and 15% of those surveyed had no retirement savings at all.  “I think most people have a tough time planning 20 and 30 years out, which is why most people don’t do it,” said Andrew Barnett, a certified financial planner with GFA Wealth Design based in Fort Myers, Florida. “Most people put it off, because it’s something that’s so far out. They say well, I’ll save next year.” How Much Do I Need to Retire? When you do a quick search, the numbers $1 million to $1.5 million or 10 to 12 times your current income float around a lot as how much most people will need to save to retire comfortably.  What you need will depend on when you plan to retire. Traditional retirement age is 65 to 67. If that is your targeted age, plan on funding your retirement for about 25 to 30 years. If there is a family history of longevity, make sure to plan for longer, maybe even to age 100 or beyond.  The ultimate goal is to save enough so you can withdraw a portion each year and keep the rest invested and growing to fund future years. If you withdraw about 4% annually, you should not be significantly impacting the principal since it is hopefully earning more than 4%. There are several well-known formulas, rules and guidelines to help you figure out how much you might need to save, including: 25 times rule: Take your annual expenses and multiply them by 25.  70%-80% rule: Many experts say you will need about 70% to 80% of your average income during your working years annually to fund your retirement. 15% rule: If you start at the beginning of a career, saving 15% of income should be enough to fund your retirement.  Barnett is not a big fan of hard and fast rules. “I don’t really know where those numbers come from,” he said. “They come from every article that you read, experts say X percent. But everybody’s different, which is why I would advise anybody to do a budget, figure out what they spend and on what, and then draw your own conclusions about what you need in retirement.” Do. Not. Panic.  Those numbers are guidelines and might not be what works for you. There is no magic number that is the perfect target for everyone’s retirement. The amount is based on several factors. The age you plan to retire. There is a big difference between retiring in your 40s and your 70s. Where you live. Some places have a higher cost of living than others. Several states have no state income taxes.  Health care costs: These will likely increase as you age, even with Medicare. Dental and long-term care are not part of Medicare.  Current age and life expectancy: It is easy to underestimate how long you might live.  Savings and spending habits.  Future markets and investment performance.  To answer the “how much do I need to retire?” question, you need to figure out what you want out of your retirement. “I ask [new clients] to tell me a little bit what their vision of retirement is first, before we get to the money stuff,” Barnett said. “[I ask] what does retirement look like [to you], do you want to keep working, do you want to work part time, do you want to play golf, do you want to travel the world, do you want to eat Burger King or caviar?” Barnett also asks these basic questions when he works with new clients: When would you like to retire? How much does it cost you to live? What have you saved so far? What other sources of income will you have in retirement? “If you know those basic things, you can give somebody a pretty clear picture of what they would be capable of doing in retirement,” Barnett said.  There are several online calculators that will help you figure out how much you will need. To use them, you will need simple information like your age, pre-tax income, the current amount you have saved, and how much you currently save on a monthly basis.  Once you plug in the numbers, the calculators will show you whether or not you are on track. Since many of these online tools are linked to specific financial companies, the advice they give will be based on the products they have.  Barnett has a warning, though: “The problems that I see with those calculators is that they’re oftentimes a little bit simplistic and they miss things like inflation and taxes,” he said. “And they ask you things like how much have you saved, but they don’t ask you what type of savings.”  That matters because many retirement accounts grow tax-free, while others are funded with after-tax money. Most calculators also do not ask about when you plan to start collecting Social Security and your longevity, Barnett added.  FROM THE RETIREMENT FORUM Pay off mortgage with IRA or refinance 8/26/19 @ 1:29 PM P Save early save often 8/1/19 @ 5:25 AM Social security opt out 7/26/19 @ 12:30 PM D When did you start planning for retirement? 3/21/19 @ 10:57 AM See more in Retirement or ask a money question A Guide to Estimating Your Future Needs A good place to start when figuring out how much you might need in the future is to track what you spend now. Look at how much you spend for: Housing Transportation Taxes Insurance Food Clothing Personal care Travel  Entertainment Health care “Get your bank statement out and look at all the pluses every month, and add up all the minuses every month,” Barnett said. “Do that for three months in a row and you have a pretty good handle on what you’re what you’re doing, what comes in and what goes out.” Now think about what you want to change when you retire. Do you want to travel more? Buy a property? Eat out more? Add those amounts to your current spending. Also, add money for irregular expenses, like home and vehicle repairs.  Now, take away things you will no longer need to do when you are retired. You won’t be setting aside money for retirement anymore since you’ll already be retired. You might have your mortgage paid off, so that will not be an expense. If you won’t be working at all, you won’t have payroll taxes to pay. However, you will be taxed on money you take out of your 401(k) and some other retirement accounts.  Once you know your monthly expenses, you can begin to figure out how much you need to save to give yourself at least that much when you retire.  Remember, the replacement income can come from a variety of places, not just savings and retirement accounts. Other sources include Social Security, part-time work, pensions and rental income.  If you have worked outside the home, use the Social Security Administration’s calculator to figure out how much your estimated benefit will be when you retire. To use this calculator, you will need to create an online account.  How to Save for Retirement The 401(k) is the most popular way to save for retirement, mostly because it is an employment benefit and many employers offer a match of the amount an employee contributes.  In a June 2019 survey, Charles Schw [...]
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Treat Yo’ Self… for Pennies: 24 Spa Treatments You Can Do at Home

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Treat Yo’ Self… for Pennies: 24 Spa Treatments You Can Do at Home
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Want to know a secret? I’ve never had a professional massage. I totally get why they’re appealing, but they’re just not my jam. Manicures, on the other hand?  Heck, yeah. My tombstone will read, “How do my nails look?” I’m not gonna lie, getting my nails done every two weeks or so costs a pretty penny (or 6,000, to be exact), but it’s the one luxury I budget for even if it means using cheap body wash or mascara. For all other spa-type treatments, though, I’m strictly a DIY gal. Here are some of my favorite ways to indulge myself easily right in the comfort of my own home — without spending a fortune. 14 Ways to Get Your DIY Spa Day On 1. Everything you’ve heard about coconut oil is true. Skip the expensive body lotion and deep conditioner and use this low-cost alternative instead.  Cost: An entire jar of coconut oil costs about $6 and will last for months. 2. Apply an avocado or egg mask to your hair at the beginning of your spa routine, then wrap your head in a warm towel. Let it work its magic for at least 20 minutes while you give yourself a lip scrub.  Cost: One egg will set you back 10 cents, and an avocado is between $1 and $1.50. 3. Korean sheet masks make your skin look amazing, but they can be awfully pricy. I picked up a handful at my local dollar store for a buck each and discovered they work just as well as the expensive brands. If you buy in bulk, you can save even more pennies.  Cost: Sheet masks can be found online or in dollar stores for as little as — you guessed it — $1. 4. Speaking of masks, if you use Lush cosmetics or know someone who does, hang onto those little black pots and bottles the products come in. You’ll score a free face mask when you turn in five clean empties. That’s a savings of at least $11.95! Cost: The cost of the five products (To be fair, Lush products can be pretty pricy – but they smell so gooood.) 5. Clear up blemishes and reduce fine lines with a container of plain, generic-brand yogurt! Whether you use it alone or jazz it up with extras like a dash of honey or oatmeal, your pores will thank you. Cost: A small container of plain yogurt can cost anywhere from 60 cents to $1. 6. After rinsing off the mask, I like to give myself a five-minute face massage. It’s surprisingly relaxing. Cost: Totally free! 7. If you’ve got a few dollars a month to spare, sign up for a Sephora Play! subscription. You’ll get a box delivered right to your door filled with deluxe product samples and a bonus fragrance. Cost: $10 per month 8. This homemade eucalyptus sugar scrub is both energizing and effective. You can make a batch to slough off dry, dead skin, leaving behind a tingly clean that smells luxurious. Cost: Less than $1 worth of sugar, coconut oil and salt, plus around $10 for eucalyptus essential oil.  9. For a change of pace, I like to mix things up and exfoliate my skin with this three-ingredient coffee body scrub that you can make with the (free!) used coffee grounds left over from your morning brew. It reportedly also reduces the appearance of cellulite. (Don’t tell me if that’s just an old wives’ tale — I don’t want to know.) Cost: Free, if you’re a coffee drinker. FROM THE SAVE MONEY FORUM Extra Job 7/30/19 @ 2:52 PM Saving Money on a very fixed income 7/31/19 @ 2:14 PM The Power of Saving Money || Where to save 7/30/19 @ 1:36 PM Best ways to save money in shopping 7/23/19 @ 1:09 PM See more in Save Money or ask a money question 10. Sometimes my skin just isn’t up for a harsh scrub down. That’s when I whip together this gentle scrub that rinses off easily with warm water. (I’ve tried it without wheat germ, and it still works great.) Cost: About $7 for the oat bran, $7 for the essential oil and $5 for the almond oil – and you can use all of these for other purposes too. 11. If you plan to shave during your spa time, try dry brushing first to prevent ingrown hairs and razor-burn bumps. Cost: A good dry brush costs around $10. 12. If I’m going to sport beautiful nails, the rest of my hand better keep up appearances, too. This lemon-sugar hand scrub is so easy to make and smells amazing. After you rinse it off, slather on some hand lotion and take a minute to admire your, er, handiwork. Cost: A lemon costs about 50 cents, and you probably already have sugar and oil in your pantry. 13. Do you know why every spa scene in a movie or on TV depicts someone with cucumber slices on their eyes? Because they work! You can use the leftovers for cucumber-infused water to really amp up that luxe “I’m in a spa” feeling.  Cost: About $1 for a cucumber. 14. Treat your feet to a nice soak with whatever gentle bath wash you have on hand. Follow it up with a homemade foot scrub. Simply stir one part coconut oil into two parts sugar and scent with a few drops of essential oil. A dash of lemon juice adds extra oomph. To kick (ha!) things up a notch, slather on some lotion and cover your tootsies with thick socks while the moisturizer works its magic. Cost: Peppermint essential oil costs about $9, or you can just use the eucalyptus oil you bought earlier. The rest of the ingredients are likely in your pantry. 10 Easy Ways to Spa-ify Your Surroundings While planning your day of indulgence, don’t forget to design your own relaxation grotto. Give your bathroom a deep clean and then: 1. Splurge on a soft, thick towel. 2. Pick up some pretty containers from the dollar store to hold all the scrubs and potions you make. 3. Scour thrift shops for a fluffy bathrobe to wear while relaxing. 4. Get some inexpensive candles to create ambience during bath time — or make your own. 5. Set a plant or vase of flowers in the bathroom, because greenery makes everything better. 6. Cover your bathroom window with frosted contact paper to diffuse bright sunlight that might harsh your mellow. 7. Put a few sprigs of eucalyptus on the corner of the bathtub to create a clean, refreshing scent when you run the hot water. 8. Buy a bathtub overflow drain cover so you can fill the tub extra deep and soak all the way up to your chin. 9. Queue up this chill Spotify playlist. 10. Use the cucumber you bought for your eyes to make some cucumber-infused water to sip as you spa. Want even more DIY spa ideas? Check out how to make your own sea salt spray, body lotion and more. Disclosure: We don’t hesitate to pick pennies off the sidewalk when we spot them. But the affiliate links in this post help our earnings grow even quicker. Plus, it’s a lot cleaner than sidewalk money. 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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New SEC Rule Expands “Test-the-Waters” to All Issuers

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

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Save on a Subscription to Food Network Magazine!
We’ve tracked down a great deal on Food Network Magazine! FOOD NETWORK MAGAZINE SUBSCRIPTION DISCOUNT You can order Food Network magazine for just $7.95 per year — a savings of 80%!!  You can order up to 3 years at this low price, but only through 7/1/19 (11:59 pm EST). If you currently subscribe, you can ... Read More about Save on a Subscription to Food Network Magazine! The post Save on a Subscription to Food Network Magazine! appeared first on Penny Pinchin' Mom. [...]
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A Peek Into August at Our House

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A Peek Into August at Our House
This post may contain affiliate links. Read my disclosure policy here. Every month in 2019, I’ll be sharing a photographic peek into the previous month. I thought this would be fun to give you a behind-the-scenes look at our month and recap some of the highs and lows and special memories of the month. August started out with a fun lunch at The Dotted Lime in Columbia, TN to celebrate my friend Lauren’s birthday. I was so impressed with the restaurant and would highly recommend it — especially if you have food allergies. This note on their water cracked me up and I had to share it! 🙂 We always take a second trip with my entire extended family (thanks to my dad’s generosity to pay for it!) and we have always gone to Bull Shoals Lake in Arkansas. However, the place we usually stay at had gone out of business and my dad couldn’t find a good alternative at Bull Shoals Lake. So instead, he found this really unique place on Table Rock Lake called Caboose Junction. It was a place that had 6 caboose + a main house. While the caboose were a little on the rustic side, the area was beautiful and it worked at really well for all of us to stay there! See what I said about beautiful? We had a private dock and swimming area and the kids couldn’t get enough of the water! As usual when we’re all together, we divvied up the cooking and clean-up. I shared our large group menu plan. And of course, we did lots of eating! I think one of our favorite new large group meal ideas was the Baked Potato Bar. Guess what I finished while on this trip?? The 21-Day Squat Challenge. As I’ve written about, I used to truly detest squats. But this challenge changed my mind and I felt so accomplished to not miss one single day! These three loved soaking up the sun and every last bit of summer! One of their favorite things on the trip? Jumping off the high dock! (Jesse and I even did it a few times — evidence is here.) On the trip, every afternoon, my mom read to the kids and did different activities and then the older girl cousins were in charge of games, crafts, and snacks. We played lots of different fun games on the trip, including Apples to Apples. One of the highlights of the trip: Kathrynne became proficient in slaloming (water-skiing on one ski). Here’s a little look at two of the caboose. On our way home from the lake, we stopped at Lambert’s. Silas would just sit and catch rolls all day at Lambert’s if I let him! (I told him I thought he had enough after 4!) We also stopped by Christian County Discount Freight & Grocery. (I did a full post on our experience there.) I loved this photo I took on the way home from our trip. As soon as we got home, it was time to jump back into school for the year. I posted this caption on Instagram with this first day of school photo: “How are you?” She asked as I opened the door to welcome her into our home. “Well, I just had an argument with my husband and my day didn’t go at all like I had planned.” I sighed. (Please note the irony that this was the very same day — Monday — I had posted about communicating well with your spouse. Yup.) She was there to do our foster care interviews and inspect some things in our home as part of our licensing process. I had a neat little plan at the beginning of the day as to how everything was going to get done. I pictured greeting her at the door with Jesse, both of us genuinely beaming, maybe with soft music and candles in the background. Instead, Jesse wasn’t home yet and I was frustrated with him and my neat little plans had gone out the window. (I hadn’t accounted for having a sick child, a doctor’s appointment that went way long, a car that wouldn’t start, and having to change plans at the last minute to try to get people multiple places at the same time with only one car.) As she inspected the things in our house, I wanted to apologize for the unmade beds, the unwashed dishes, and the items we had to skirt around to get downstairs, but I didn’t. This is real life. I want her to know who we are. Yes, I try to have a clean and neat house. Yes, I try to stay on top of the dishes. And yes, I do believe in making beds (well, at least in theory! 😉) But oftentimes, my best intentions don’t happen — and that’s okay! By the way, we passed the interviews and inspection, the car got fixed, the child got well, and Jesse and I worked through our differences. See? Like I said, it was okay! If you’re looking for perfection, you won’t find it at our house. But I hope you do find a family who is sometimes behind and sometimes messy, but who loves Jesus and loves other people — and who are committed to keep showing up for one another and working through their misunderstandings. And who at least occasionally make the bed. 😉 P.S. This photo was taken on the first day of school. Kaitlynn was sick, but she still wanted to be in the picture, so she cane up with the idea to pose with a thermometer in her mouth.🤣 Kaitlynn and I flew to Maine for me to speak at Fab Blog Con. The food blogger conferences have the BEST gift bags — this one was full of Enjoy Life products! We got to go and see one of the light houses. I posted this picture on Instagram with this caption: She came into my room a little while ago and said, “Mom, do you want to come out and eat breakfast with me?” The last 20 minutes, the two of us just sat at the table together and talked while the rest of the family was still asleep. (We’re both the early risers!) Recently, my nights have been pretty short because of staying up talking to my night owl child and getting up early talking with my early riser. But I wouldn’t trade any amount of sleep for this. For the opportunity for my kids to share their hearts, tell me what they are thinking and feeling, and *want* to hang out with me. Two nights ago, I met a father who had just dropped his youngest child off at college. He looked me square in the eye and said, “Cherish every moment. Take advantage of every opportunity to be with your kids.” It might sound cliche, but it wasn’t. And I want to want take his words to heart. With me working full-time, extracurricular activities and ministry we’re involved in, plus the kids’ homework load, many days I only get to spend 15-30 minutes one-on-one with each of the kids on week days. But instead of lamenting that or wishing for a different life (because I know clearly that we are right where God has us), I’m learning to look for pockets of time each day and make myself available to them. That might mean late at night, early in the morning, or inviting them to ride with me when I go run an errand. And then I try to give my all to them during those small windows of time. We can’t do everything, but we can do something. Let’s stop focusing on trying to do it perfectly and instead focus on just showing up — even if it’s a simple 20-minute impromptu breakfast together. Kaitlynn took this photo on the plane! We spent one Sunday afternoon hiking at Evins Mill. We had the entire waterfall to ourselves. It was SO beautiful! I got a GREAT deal on toilet paper — that a bunch of you ended up getting, too! I loved getting to sit down with Rebekah Lyons and record a podcast episode on The 4 Rhythms You Need in Your Life. And on the same day, I also got to record a podcast episode with Kristin Maher on Helping Our Kids Overcome Shame. At Home was running some great deals on rugs and we finally got a rug for our library! Silas started flag football! All in all, it was a good month! How was your August? Any highlights? [...]
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Save up to 60% and Get Free Shipping at Children’s Place

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Save up to 60% and Get Free Shipping at Children’s Place
  These deals are still going on – seriously, don’t miss out on them! NOW is the time to shop for back to school! The kids need new tees, shorts, jeans — or even uniforms! The Children’s Place is geared up already and has some amazing ways for you to save!  Right now, the entire ... Read More about Save up to 60% and Get Free Shipping at Children’s Place The post Save up to 60% and Get Free Shipping at Children’s Place appeared first on Penny Pinchin' Mom. [...]
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2 Ways a CPAP Machine Can Make You Sick

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2 Ways a CPAP Machine Can Make You Sick
A CPAP machine is designed to boost your health. But if you aren’t careful, it could have the opposite effect. These machines are often used to treat obstructive sleep apnea, which causes people to periodically stop breathing while they sleep. By pushing air through a tube, into a mask and down your throat, CPAP machines help keep your airway open throughout the night. (CPAP stands for &# [...]
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*HOT* Free $5 Starbucks Gift Card with $25 Gift Card Purchase

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*HOT* Free $5 Starbucks Gift Card with $25 Gift Card Purchase
Love Starbucks? Get a free $5 gift card when you purchase a $25 Starbucks gift card. Today only, you can score a free $5 Starbucks Bonus eGift Card when you purchase ANY Starbucks eGift Card worth $25 or more in the Starbucks mobile app! Just log in to the mobile app and check your inbox to find this offer. If it’s still available, you can click on the “buy now” button to get this deal. This is only available for the first 150,000. Limit of one per account. Psst! You should also check and see if you got the limit access Starbucks deal on Groupon today!! Thanks, Freebie Shark! [...]
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How to Homeschool for Free or Cheap

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How to Homeschool for Free or Cheap
Interested in homeschooling but afraid it might break your family’s budget? Read this post for some really great tips on how to homeschool for free — or very close to free! {Don’t miss our weekly round-up of all the best FREE homeschool curriculum & resources! And you can also check out my Top 10 Favorite Free Homeschool Sites here.} Guest post from Jessica of Where’d My Sanity Go: Yes! It is possible to homeschool for free or cheap! Once you dig into all the homeschool curriculum products available, it can be overwhelming. When you check out the prices on those bad boys, it can get scary. Don’t worry though, there are a lot of ways to give your child a great education at an affordable price. Some of the homeschool lessons and curriculums we use are completely free! So if you’re wondering how to homeschool for free, here are my top tips… Use what you’ve got: Search your home for any books you may have forgotten about. When I started out, I had no idea how I was going to afford all the things I thought I needed. Luckily, my son had a ton of nature and science books already. I used these to build a few of my lessons for him, and we had a set of dictionaries we used for spelling lessons and other subjects. Borrow: If you already know of other homeschool families in your are, ask them if they have any old schoolbooks or homeschooling curriculum books they aren’t using and that you might borrow for a while. If you’re not familiar with any other homeschool families in the area, look on Facebook for local homeschool groups or ask your friends and family, your church, or even your local schools. When I pulled my son out of public school, they were kind enough to give me some information about local homeschool programs. Shop for used books: Check local garage sales, used bookstores, and other local stores for discounted items. Join a few Facebook groups where people are selling their used homeschool books for dirt cheap. I have saved so much money by doing this and hardly ever purchase anything brand new. Before buying anything, I always first search for used homeschool supplies or books. Utilize free homeschool resources There are tons of free online homeschool curriculum options out there. You don’t have to stick with just one either, you can take different lessons from multiple online curriculums to fit your educational outline. A few popular free curriculums: Easy Peasy – All In One Homeschool – 180-day lesson plans for PreK-8th. (this is one of our favorites) Khan Academy – Free online lessons for just about any subject. K12.com – Independent teacher-led courses for homeschoolers. YouTube — there are a ton of educational YouTube channels out there that are perfect for supplementing your homeschool curriculum. You can find different channels that range from preschool to high school subjects. Finding affordable or free homeschool educational materials or curriculum is not as hard as you think! I recommend scouring the internet to find out what’s available. Join local homeschool groups, find local Facebook groups, etc. Several of our local homeschool families often get together for different field trips — many places even offer homeschooling families a discount on tickets! Do you have any other advice on how to homeschool for free? I’d love to hear in the comments! Jessica Fuqua is the owner/editor of Where’d My Sanity Go, where she often writes about family, parenting, and homeschooling. [...]
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7 Incredible but True Inheritance Tales

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7 Incredible but True Inheritance Tales
Dean Drobot / Shutterstock.com Ever daydream about coming into a sudden fortune? It’s a common fantasy. And, while we shouldn’t count on it, this fantasy does come true on occasion. Through strange and sometimes bizarre circumstances, the poor are elevated to the ranks of the very wealthy. Following are true stories of people — and animals — getting rich from surprise... [...]
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Limited Time Offer: 30% Bonus for AmEx Cardholders on Transfers to Marriott Bonvoy

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Limited Time Offer: 30% Bonus for AmEx Cardholders on Transfers to Marriott Bonvoy
American Express is offering a 30% bonus on point transfers from Membership Rewards to Marriott Bonvoy through Oct. 31, 2019. In this article, we’ll look at some sweet spot Marriott redemptions to help you decide whether taking advantage of this transfer bonus makes sense for you. Promotion terms Under the terms of the bonus, you’ll... Elina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. The article Limited Time Offer: 30% Bonus for AmEx Cardholders on Transfers to Marriott Bonvoy originally appeared on NerdWallet. [...]
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Good2Go Auto Insurance Review 2019

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Good2Go Auto Insurance Review 2019
NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lisa Green Specializes in selling minimum required car insurance.Focuses on high-risk drivers.Can help provide SR-22 forms for drivers who need one. Good2Go has... Lisa Green is a writer at NerdWallet. Email: lgreen@nerdwallet.com. Twitter: @lisaccgreen. The article Good2Go Auto Insurance Review 2019 originally appeared on NerdWallet. [...]
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10 Simple Ways to Cut Your Grocery Bill

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10 Simple Ways to Cut Your Grocery Bill
Need some practical ideas to cut your grocery bill? Here’s a list of 10 simple ideas to shave money off your grocery budget. Looking for more tips? Check out my post on 25 Ways to Save Money on Groceries and my $70 Grocery Budget posts. photo by KitAy Guest Post by MaryEllen from Centsible Savings While picking up my milk for the week, I stopped to consider how many people might wonder why I was digging all the way to the back of the refrigerated section. Then I started thinking about how easy it is for anyone to reduce their grocery budget just by following a few simple guidelines. I’m not talking about spending hours every week clipping coupons and scouring the sale papers for deals. These are simple strategies that everyone can use to help keep their food costs down: 1. Look toward the back of the refrigerated section for the latest-dated milk, cheese, meat and other perishables. It certainly won’t help you cut expenses if your food goes bad and you have to throw it out and buy more. 2. Buy whole milk and mix it with water. It will taste different at first, but you’ll get used to it after a while. If you can bring your taste buds to agree to mixing your milk half and half with water then you’re getting two gallons for the price of one! (Note: Keep in mind that if you have young children, watering down your milk will affect the nutrition of it.) 3. If you’re buying individual fruits (e.g. apples, oranges, etc.) by the pound, pick out the smallest ones. The total weight will be less, and therefore you won’t pay as much, but you won’t notice the difference when you’re eating your apple. 4. Shop early in the morning if at all possible. That is when you’ll find most of the marked down produce, meat, and bread. Even if you can’t shop in the morning, be sure to still keep an eye out for products that have been marked down. 5. Don’t buy too much produce at one time. Produce (especially if it has been shipped a long distance) will not last very long before it has to be thrown out. Try to buy only enough for about one week at a time. 6. If you find a good sale on something you normally buy that has an extended shelf-life or freezer life, stock up. Why wait until later and pay full price when you can buy several now at a much lower price? 7. Be creative and cook with what you have on hand. Make your weekly menus based on what is already in your pantry or freezer. Then you’ll just need to buy a few ingredients to fill in the gaps. 8. Make a list and stick to it when you shop. Unplanned “extras” add up very quickly. 9. Consider how badly you really need something. For example, it doesn’t really take any longer to make pancakes or biscuits from scratch than from a box mix. Yet those box mixes often quite a bit more than just buying the ingredients would cost. (Cooking from scratch is much better for your health, too!) 10. Use coupons. Like I mentioned earlier, I’m not talking about spending hours each week on clipping coupons and scoping out deals. But if something is on your list, you should at least check to see if there is a coupon out for it. A good place to check is the coupon database. You’ll be surprised at the difference fifty cents here and a dollar there can make! What other tips or strategies for cutting your grocery bill would you add to this list? (originally published in 2008) [...]
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Candy Chemistry

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Candy Chemistry
Grab this great science fun and save! You can get Candy Chemistry for only $19.79. You will be saving 46% on this purchase because it is usually $36.95. Be sure that you grab this deal soon because the prices can change at any time. The post Candy Chemistry appeared first on Penny Pinchin' Mom. [...]
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Reduce the Pain at the Pump With These 20 Ways to Save Money on Gas

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Reduce the Pain at the Pump With These 20 Ways to Save Money on Gas
Filling up the gas tank can be a thoroughly miserable experience as you watch the counter flip past $40, then $50, and keep on going.  But you can save money on gas based on where you fill up, how you pay, when you visit the gas station, how you drive and even the condition of your car. We’ve compiled 20 smart tips to help you spend less on fuel. You could save hundreds of dollars over the course of a year. How to Save Money on Gas at the Pump The biggest savings will be evident in the price you pay at the gas station. So it’s worth shopping around and employing a bit of strategy before filling up. 1. Use Apps to Find the Cheapest Gas You don’t want to buy gas at one place and then come across a station with cheaper fuel just down the street. Several websites and apps tell you the price of gasoline at the stations in your area. GasBuddy and Waze are two popular options.  Look for the cheapest gas stations along any of the routes you normally drive for work or shopping. Don’t wait until your tank is near empty and be forced to buy gas wherever is closest.  The price of gas can vary significantly across state lines, so if you’re planning a trip, check where prices are lower throughout your route. Avoid getting gas at stations just off a highway exit or in the middle of a major city — stations in those locations tend to charge more than ones a little more out of the way. 2. Skip the Premium Option Higher-octane gas isn’t necessary or beneficial in most cars, so you’re just spending more money when you buy premium. Premium gas can cost about 20 to 40 cents per gallon more than regular-grade fuel. Use regular-grade gasoline unless your car’s manufacturer specifically requires premium. 3. Join a Fuel Rewards Program Many gas station chains and grocery stores across the country offer fuel rewards programs to try to turn you into a loyal customer. Each gas station fuel rewards program and grocery store fuel rewards program has its own set of rules on how much you can save and what you have to spend in order to get the rewards, so read up on the details.  GasBuddy also offers its own fuel savings program called Pay with GasBuddy. Join for free, and you’ll  save 10 cents per gallon on your initial fill-up and 5 cents per gallon on every subsequent fill-up. You can also sign up for paid versions (Pay with GasBuddy Plus is $4.99 a month and Pay with GasBuddy Premium is $6.99 a month) to save 20 cents per gallon. (Note: Exxon Mobil, BJs, Costco, Sam’s Club, H-E-B, select Walmart stations, select Arco stations and some small, local gas stations don’t accept the Pay with GasBuddy card.) 4. Use a Rewards Credit Card When you fuel up, choose a credit card that pays you cash back or one that allows you to earn rewards points when you purchase gas. Just be sure you know what you’re getting into before opening a rewards credit card. Pay the fuel charges off in full each month so you’re not paying interest on your gas purchases. 5. Use Cash Instead of a Card Some gas stations charge a lower price per gallon if you pay with cash rather than a card. It’s their way of avoiding card processing fees. While some stations will let you pay the cash price if you use a debit card, others won’t. Check with the gas station before you swipe your card, or simply use cash when it’s time to fill up. 6. Use Free or Discounted Gift Cards You can earn gift cards or cash from survey sites like Swagbucks or Survey Junkie. You can also purchase discounted gift cards from sites like Raise or Gift Card Granny. 7. Fill Up Early in the Week According to a 2018 GasBuddy gas price analysis, gas prices tend to be the lowest on Mondays. Sundays and Tuesdays are also good days to buy cheap gas. Avoid filling your tank on Thursdays or Fridays when gas prices tend to be the most expensive. How to Save Money on Gas With Better Driving Habits How frequently you drive and how you operate your vehicle both play a role in how much you spend on gas.  8. Share Rides If you live near your co-workers and have similar schedules, take turns driving so you can all drive less each week. Organize a carpool with neighbors or friends to transport your children to school or extracurricular activities, and swap driving duties among the parents. Less time on the road means less gas used and more money saved. 9. Plan Routes Plan your shopping trips and other outings in efficient ways to reduce your drive time. If the grocery store is near your job, do your shopping after work rather than waiting until the weekend. Do your errands all in one day rather than making several trips on different days. Cutting a few miles several times weekly can add up to hundreds of miles saved annually. That could save a fill-up or two. 10. Reduce Your Idle Time Don’t start the car and then leave it running for a long time while you wait for everyone to get in or to fiddle with your navigation. Make sure you’re ready to go before starting your engine. Idling just wastes gas and causes more air pollution. FROM THE SAVE MONEY FORUM Do You Ever Pick up A Stray Penny? 2/7/19 @ 5:27 PM Do drive-in movie theaters save you money? 7/1/19 @ 7:38 PM What to buy (and not buy) from Fourth of July Sales 2019 6/27/19 @ 1:00 PM M Airfare 6/24/19 @ 5:19 PM See more in Save Money or ask a money question 11. Accelerate Slowly and Coast More Be gradual when you’re speeding up or slowing down. Generally, the faster you accelerate, the more gas you use. Be gentle on that pedal when getting up to highway speed. You’ll also get better mileage by coasting more, so plan ahead for stops and turns. Take your foot off the gas a bit sooner, and slowly glide to a stop. This actually works. 12. Use Cruise Control — Sometimes When it’s hilly you might get better mileage without cruise control, because the system will tend to downshift too much and waste gas. But otherwise, cruise! Staying at a steady speed with cruise control has been shown to save on fuel usage — plus you can make sure you don’t go over the speed limit. 13. Reduce the Use of Your Heater and Air Conditioning Blasting the heat in the winter or the A/C in the summer has an effect on your fuel economy, so keep that in mind. There’s a long-running but still inconclusive debate about whether using air conditioning or rolling down the windows contributes more to increased fuel consumption, since wind resistance from open windows creates drag on your vehicle.  When driving low speeds you may want to cool down by lowering your car windows, but if you’re driving on the highway (or even driving above 30 miles per hour), you might be better off with the air conditioner on and the windows up. 14. Slow Down Following the speed limit or driving just under it can pay off in more ways than you might think. The faster you drive, the more wind resistance you face, which reduces your fuel economy.  How Your Car Affects How Much You Spend on Gas The condition of your car makes a difference in gas consumption. Learn how to keep your ride in money-saving shape. 15. Check Tire Pressure Having underinflated tires can lower your gas mileage and cause you to lose about 2 cents per gallon, according to the U.S. Department of Energy. To find the proper tire [...]
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Free Printable Back to School Shopping Planner

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Free Printable Back to School Shopping Planner
Grab this free planner to help with all your Back To School shopping! Download a free printable Back to School Shopping Planner! It includes budget pages, sales trackers, price trackers, shopping lists, and more. Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. [...]
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Root Insurance Review 2019: How It Works and Who It’s For

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Root Insurance Review 2019: How It Works and Who It’s For
NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover Root sets rates based primarily on your driving behavior.Root can provide an SR-22.Tech-savvy customers will like that you can do just... Lacie Glover is a writer at NerdWallet. Email: lacie@nerdwallet.com. The article Root Insurance Review 2019: How It Works and Who It’s For originally appeared on NerdWallet. [...]
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Afternoon Deals: Saturday, June 8

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Afternoon Deals: Saturday, June 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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Ready for a Change of Scenery? These 9 Cities Will Pay You to Move There

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Ready for a Change of Scenery? These 9 Cities Will Pay You to Move There
If you could use a change of scenery, why not get free money to move somewhere? In the face of declining or slowing population growth, some cities have decided to get aggressive about their survival. Some are giving away free land, others free tuition, and still others are literally handing out stacks of cash to folks who agree to move their metropolitan area. Here are 10-plus places that really, really want you to move there… Places That Will Pay You to Move There If you’re already looking for a new place to call home, but you don’t have your heart set on a specific area, there are plenty of ways to determine a good fit for you. If you’re just starting out your career, we’ve found the top 10 cities for wage growth. And if it’s closer to quitting time, we’ve found 11 surprisingly affordable cities for retirement. But if you’re simply looking for a change and welcome a financial incentive, we’ve found 10 cities — and two states — that are offering deals worth thousands of dollars to entice you to make their communities your home sweet home. 1. Tulsa, Oklahoma Oklahoma’s second largest city is offering to pay remote workers $10,000 cash to relocate there through its Tulsa Remote program. You’ll get some upfront cash to help with relocation expenses, then a monthly stipend for your first year. At the end of the year, you get the remaining dough. And they’ll throw in a desk at a coworking space so you don’t have to work out there on the plain all by your lonesome.  The only requirements are that you must be 18 years old, eligible to work in the United States and, you know, want to live in Tulsa. The 2019 application has closed, but you can sign up to receive an alert as soon as the 2020 application opens. FYI: You’ll need to be ready to move to Tulsa within six month if accepted. 2. Hamilton, Ohio Hoping to boost its college-educated quotient, Hamilton, Ohio, has a “reverse scholarship,” which pays successful applicants up to $10,000 to move to this small city outside of Cincinnati — paid out in 30 convenient $300 installments. To qualify, you must have graduated within the last seven years from a STEAM (Science, Technology, Engineering, Arts or Mathematics) program. And you can’t currently live in the city of Hamilton, but you must demonstrate employment within Butler County (where Hamilton is located).  The city’s website also states a preference for those with a desire to give back and engage with the community, so perhaps this is your shot to stage that community theater production of… “Hamilton.” Just sayin’. 3. Marquette, Kansas Anyone who’s ever driven cross country via I-70 knows Kansas has no shortage of open space. The state has experienced declining population growth since the early 1900’s, so towns like Marquette have been giving out free plots of land in order to entice new residents. Marquette’s free plots are located on the west side of town in the Westridge Addition, and the website promises beautiful sunset views over the open fields. To qualify for the free land, you must agree to build a home on the land within one year, and commit to living there for at least a year after your home is completed. 4. Lincoln, Kansas Here’s another Kansas town offering free land to qualified inhabitants. According to its website, you’ll be able to see the buffalo roam from your home on the range, should you take them up on their offer. Again, you’ll have to comply with the city’s requirements for building and inhabiting a home within set time parameters. Contact Lincoln City Hall for full details. Even if neither Marquette nor Lincoln quite suits you, you might be able to take advantage of Kansas’ Rural Opportunity Zones elsewhere. They cover 77 counties, and benefits include tax waivers and student loan repayments. 5. Curtis, Nebraska How’d you like to build your dream home — without spending a dime on the land itself? It’s possible in Curtis, Nebraska. Construct a home in Curtis within a set amount of time (and according to certain specifications), and you’ll receive the land free. All of the lots come utility ready and are located on paved streets. And in Curtis, it’s the more the merrier — and more lucrative. The family incentive program awards $500 for the first kid, $750 for two and $1,000 for three more children who move to the city and enroll in the Medicine Valley Public Schools. FROM THE MAKE MONEY FORUM work at home 4/4/19 @ 1:26 AM business development 10/2/19 @ 2:27 AM T FlexJobs 9/27/19 @ 9:43 PM s SSDI Isn't Enough To Make Ends Meet 9/25/19 @ 2:38 PM See more in Make Money or ask a money question 6. New Richland, Minnesota Life’s simpler in the Midwest — especially when you can get land for free. If you build a home within a year of receiving the land’s deed, your new property in New Richland’s Homestake subdivision will be 100% free of charge. Plus, the town’s in proximity to a golf course, lake and bike trails. 7. Harmony, Minnesota Want to move to the “Biggest Little Town in Southern Minnesota”? The town of Harmony will provide home-builders a cash rebate of up to $12,000 to cover costs of construction — and the program has zero age, income or residency restrictions. 8. Niagara Falls, New York Need help repaying your student loans? Who doesn’t? It might be as easy as moving to scenic Niagara Falls, New York. The city will reimburse you for student loan payments up to nearly $7,000 if you agree to live in specific neighborhoods for two years. Plus, you’ll live right next to one of the seven natural wonders of the world.  9. Baltimore, Maryland Ready to give a little love to an underloved property — and get paid for it? Baltimore’s Vacants to Value Booster incentive gives $10,000 to buyers of Vacants to Value properties in an effort to address the blight caused by abandonment in the area. The home must be your primary residence, and you must be willing to invest at least $1,000 of your own resources. Also, the $10,000 must go toward your down payment and closing costs. If that’s not enough reason to Old Bay country, the city also has a Buying Into Baltimore program that offers a $5,000 incentive to use toward buying a home anywhere in Baltimore. You must attend a Trolley Tour event to be eligible; 30 individuals are selected on a lottery basis. Still not convinced? We have two words for you: crab cakes. Bonus: Anywhere in Alaska or Vermont Why limit yourself to just one city when Alaska and Vermont will pay you to live anywhere in their states? Since 1976, Alaska has paid its residents to live there via its Permanent Fund Dividend. The payouts are funded by Alaska’s oil royalties and are divided up evenly among citizens. Yearly payouts vary, but the 2018 dividend was $1,600. Not too shabby just for being there! To be eligible for the rebate, you must not claim residency in any other state or country. Check out the full details here. Vermont, on the other hand, is making its case for remote workers to relocate to the land of maple syrup. The state’s Remote Worker Grant Program will pay for “qualifying remote worker expenses” up to $10,000 — $5,000 per year for up to two years. And in 2020, [...]
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How Much Is Vet School?

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

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The smartest investment for your innovative insurance play just might be in cultural awareness
It’s not just the tech concept… TLDR Having the correct idea for underwriting, distributing, selling, adjusting, or scaling insurance may not be the right idea if the scheme is introduced or sold where the customer understands the plan but simply doesn’t accept it in cultural context.  How and where one sells an idea in the connected global insurance industry might just be more important that what is being sold. I had a great discussion with a very clever InsurTech company this week, Uncharted, a digital insurance sales facilitation and distribution entrant focused on health benefits and business SME markets (check out their website in the link- I won’t do their concept the justice they can).  They are Singapore-based, building toward a global reach.  The firm’s Chief Commercial Officer, Mark Painter, held my attention regarding how the firm was building its sales and distribution tools with the intention of giving carriers and brokers options and efficiencies from point of sale right through home office underwriting, binding and admin of data.  Taking the teeth out of the unstructured data beast, so to say.  Mark (who’s a pretty savvy finance and insurance guy now working alongside Uncharted’s founder, Nick Macey) recounted a recent experience in introducing the Uncharted system into a southeast Asia market carrier’s system, excitedly advising that significant sales admin improvement for the thousands of field agents will or had been gained for the carrier.  That’s very cool. But my follow-up question was: If the carrier’s products are traditionally sold by agents say, working off of scooters, meeting with small shopkeepers over tea, or noodles, and with the bound policy traditionally taking a few weeks to present to the insured, will an ‘instant’ policy innovation resonate with the known culture of doing business in the neighborhood?  Will an app-based policy hold the same ‘worth’ to that analog customer? It might if the businessperson is comfortable with the growing use of digital ecosystems, it might not if the owner is not. How the customer expects to transact business is the key- are you practicing innovation from the customer backwards? Well this prompted a comparison discussion of what the firm is working with in Zimbabwe, where most residents/customers transact business through smart devices using EcoCash, a mobile payment platform hosted by local telco, Econet.  In this instance EcoCash has an approximate 80% market use penetration, and as such adding services to the ecosystem is an accepted practice.  A company looking to make inroads into the market would be wise to joint venture with or leverage the Econet ecosystem rather than try to make inroads through traditional agencies.  However- once established in the market the firm would be better able to bridge to traditional insurance channels for more complex covers, riding the market awareness built through use of local, accepted practices.  Know what and how the customer expects to transact business and go with that flow.  It ofttimes does not matter how wonderful your product or service is if the customers simply are not accustomed to how you market.  The correct answer is not always the best answer. There are plenty of examples of companies ‘growing’ their insurance products organically through other business relationships built through understanding local needs.  Take for example the relationship of ride sharing platform Go-Jek and one of its investor firms, Allianz X.  The ride sharing startup was a target of Allianz’s investment, but Allianz also recognized with Go-Jek that the drivers needed insurance, and the two firms collaborated within the bounds of the business model and driver culture to make insurance available within the local reach of drivers.  Don’t be surprised if a similar insurance partnership approach isn’t carried into east Africa’s burgeoning ride sharing environment as the pair of firms extends its reach with their investment into Uganda-based ride hailing entrant, SafeBoda  (a timely share by you, Robert Collins ).  Innovation and marketing developed from business and local culture needs. There are many examples of firms developing insurance innovations, many successful and many not so much.  The takeaway for the reader from this posting- the firms noted above are working to apply clever innovation based on good ideas, but also on integrating the ideas into what fits a respective market’s expectations, and what businesses and customers are accustomed to.  Ground-breaking innovation might succeed by circumventing that of which a market is accustomed, but in most cases a firm’s best investment is understanding what the locals want and how they want it, and simply following their lead.  Is your approach just a correct answer, or the right answer? Image source Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners. He also serves the insurance and Fintech world as the ‘Insurance Elephant’. I have no positions or commercial relationships with the companies or people mentioned. I am not receiving compensation for this post. Subscribe by email to join the 25,000 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). [...]
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Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020

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Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020
A sweet points offer for staying at Courtyard by Marriott properties is bringing a new opportunity for Marriott Bonvoy members to boost their earnings. Members of the Marriott Bonvoy loyalty program can earn 2,000 bonus points per night for stays at Courtyard by Marriott hotels. What’s unique about this promotion is that there’s no limit... Randy Diamond is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020 originally appeared on NerdWallet. [...]
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Afternoon Deals: Friday, July 19

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Afternoon Deals: Friday, July 19
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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Dear Penny: How Long Will a Bankruptcy Stand in the Way of Buying a Home?

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Dear Penny: How Long Will a Bankruptcy Stand in the Way of Buying a Home?
Dear S., There’s a common myth that it’s impossible to rebuild your credit while your credit reports are still scarred by a bankruptcy — and you’ve proven it wrong. You’ve re-established credit. You’ve managed it responsibly. Now, you have a pretty darn good score to show for it, even with a bankruptcy in your file. But there seems to be a different misconception implied in your question: that it’s impossible to buy a home while a bankruptcy is still on your credit report. This, too, is a myth. I think you have two questions here: How long will a bankruptcy stay on your credit report? And will a bankruptcy hold you back from buying a home? Let’s start with how bankruptcy affects your credit. A bankruptcy is one of the ugliest battle wounds you can have on your credit report, but you didn’t need me to tell you that. And the effects are long-lasting. A Chapter 7 bankruptcy — the kind where many of your assets are liquidated and you emerge with no debt obligations — stays on your credit report for 10 years after you file. A Chapter 13 bankruptcy, in which you repay a portion of your debts, will fall off your reports after seven years. The effect of bankruptcy on your credit score is most acute in the year or two after you file. But as you build a positive credit history, it matters less and less. The fact that your score is at 742 suggests your credit has already recovered significantly. But will that be enough to overcome a bankruptcy when you try to buy a home? You don’t say whether you’ve actually been denied for a mortgage or if you’re waiting for the bankruptcy to drop off your report before applying. To qualify for a conventional loan (the kind that isn’t insured by the government) after filing Chapter 7 bankruptcy, you’ll typically have to wait four years after the bankruptcy is discharged. For nonconventional loans (the ones that are backed by the government, such as FHA or USDA loans), the requirement is usually two or three years. You’re long past the required waiting periods, but keep in mind that these are just minimums. Every lender has different requirements. If you do forge ahead now, be prepared to document your finances and how you’ve managed credit since filing bankruptcy in painstaking detail. Making a large down payment could help you get approved, but you should still be prepared for higher interest rates. If there were extenuating circumstances that factored into the bankruptcy, like a job loss or illness, providing a letter of explanation with supporting documents could help you get approved. But even if you can’t get a mortgage on the terms you want, remember: Ten years is a long time, but you’re so close to the end. In another two years or so, your bankruptcy should automatically be deleted from your file. When you do reach the 10-year mark, you can verify that the bankruptcy has been removed by obtaining a free copy of your credit report from each of the three bureaus at AnnualCreditReport.com. If it still appears, you can request that they remove it stat. Bankruptcy may seem like a scar on your credit report, but it isn’t permanent. Because time heals both old wounds — and derogatory credit marks. Robin Hartill is a senior editor at The Penny Hoarder and the voice behind Dear Penny. Send your questions about rebuilding credit to AskPenny@thepennyhoarder.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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This week in Fintech

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

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How to Access American Airlines Admirals Club Lounges
Lounge access is lovely before your flight or on a layover. You get free snacks and beverages, generally comfortable seating, high-speed Wi-Fi access and outlets to charge your devices. American Airlines is the largest domestic carrier, and it has Admirals Club lounges in airports around the world. Customers can even access lounges in airports American... Rosemarie Clancy is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How to Access American Airlines Admirals Club Lounges originally appeared on NerdWallet. [...]
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*HOT* Adventure Academy Annual Subscription for just $4.99 per month!

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*HOT* Adventure Academy Annual Subscription for just $4.99 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 great deal on an annual subscription to Adventure Academy!! You can currently get an annual subscription to Adventure Academy for just $59.99 — which is like paying $4.99 per month! This is 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. Psst! If you’re not quite ready to take the leap and pay for a subscription, you can instead get a FREE 30-day trial! [...]
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How to Buy a House Without Help From Your Family

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How to Buy a House Without Help From Your Family
On the highway to homeownership, coming up with a sufficient down payment continues to be one of the biggest roadblocks. In fact, many prospective home buyers, particularly first-timers, find it hard to overcome this challenge without the kindness of loved ones. Among recent home buyers age 28 and younger (who are more likely to be... Beth Buczynski is a writer at NerdWallet. Email: bbuczynski@nerdwallet.com. Twitter: @bethbuczynski. The article How to Buy a House Without Help From Your Family originally appeared on NerdWallet. [...]
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NJM Insurance Review 2019: Complaints, Ratings and Coverage

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NJM Insurance Review 2019: Complaints, Ratings and Coverage
NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lisa Green 5.0 NerdWallet rating Places first out of 24 insurers for auto insurance in NerdWallet's rankings.Had far fewer than the median number... Lisa Green is a writer at NerdWallet. Email: lgreen@nerdwallet.com. Twitter: @lisaccgreen. The article NJM Insurance Review 2019: Complaints, Ratings and Coverage originally appeared on NerdWallet. [...]
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Prefer the Night Shift? Check Out the 21 Best Jobs for Night Owls

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Prefer the Night Shift? Check Out the 21 Best Jobs for Night Owls
If you’re a night person, it can be truly tough to get up at six in the morning to report to work. So what can you do if you only fully wake up and come alive after you get home from your daytime job?  Trade it in for a new one!  21 of the Best Night Shift Jobs Here are 21 of the best night shift jobs for you night owls out there.  1. Freelance Writer While freelance writing is technically a business rather than a job, it’s an obvious one to include on this list, because you can write whenever your mind functions best. And yes, I’m writing this in the evening (just to make a point, as I’m actually more of a morning person).  How much you’ll make depends on your ability to find good clients and how efficient you are. Although I’m usually paid by the article, I aim for at least $20 per hour.   2. Air Traffic Controller This is one of the most highly paid jobs with night shifts. The median annual wage for air traffic controllers is $124,540, according to the Bureau of Labor Statistics. You don’t even need a college degree to get these jobs, according to the Federal Aviation Administration website, although you will have to go to the FAA Academy. Unfortunately, night shifts sometimes alternate with day shifts, leaving some controllers feeling groggy, according to a 2014 PBS NewsHour article. 3. Casino Dealer When I was a blackjack dealer, I usually opted to leave early (when the traffic slowed), but many casino dealers love working after midnight. It’s quieter, and customers are more relaxed.  At most casinos, tips are pooled and added to paychecks as an hourly rate, so you don’t lose anything by working the slow late shifts. Friends who still work for my former employer say they average more than $20 per hour with tips. 4. Bartender Bartending is another job you can do well without a college degree, as long as you work in the right place and are assigned to the right shifts. Fortunately for night owls, evening shifts produce the best tips. Weekends are usually better than weekdays, so bartending can be a great part-time second job if you already work during the week. 5. Security Guard When I was a security guard, I liked working in the evenings. It was cooler (I worked in Florida), and I was allowed to spend time reading, writing and cruising the Internet.  Night security positions are often relaxing, and some allow free time for various activities that don’t interfere with the work. The downside is the pay. The BLS reports that the median annual wage for security guards is just $28,490. However, they do note that 10% of security guards make over $49,000, so watch for those better-paying gigs, or work your way up to them. 6. Firefighter  The mean annual wage for firefighters is $49,620, and a full 25% top $67,100 per year.  Perhaps the best positions are in towns where you work long shifts, staying at the station until there is a situation. Friends in these positions tell me you’re generally allowed to read, write or watch television during those long, slow nights. 7. Babysitter In recent years, babysitting has become more lucrative for adults. Since you’re an independent contractor, you can decide which hours you want to work. In other words, you can take only jobs that start in the evening, or even offer overnight babysitting for other night owls who work the late shifts at their jobs.  8. Mail Sorter It isn’t easy to get career positions at the post office, but they often hire for what they call casual positions, which are normally temporary jobs.  For example, I sorted mail seasonally for two years, working September through December each year. The work wasn’t difficult, didn’t require any previous experience, and paid about $13 per hour. The shift started at 11 p.m. and finished when the mail was sorted, which was usually between 5 a.m. and 7 a.m.  These positions provide no benefits and, in my case, involved only 30 hours weekly. This isn’t a career, but a nice way to make some extra cash working at night. 9. Pizza Delivery Driver I made decent money delivering pizzas when I was younger. A friend tells me he makes about $14 per hour as a pizza delivery driver. It is all about the tips, because most places pay minimum wage, and some may pay only the tipped-employee minimum wage, which is just $2.13 per hour.  Still, being a pizza delivery driver can provide a nice side income, especially if you work only when tips are best, which is at night on the weekend. It also helps if your employer provides a vehicle or pays extra for your car expenses. I’ve worked for employers using both arrangements, and I profited from the latter by driving a cheap car that got good gas mileage. FROM THE MAKE MONEY FORUM Working while on SSDI 7/22/19 @ 1:21 PM B Passive Income 8/9/19 @ 1:07 PM How Can Someone Living in the Heart of Africa Make Money Online? 8/20/19 @ 1:23 PM Private tutor 8/20/19 @ 1:27 PM See more in Make Money or ask a money question Other Jobs for Night Owls  There are many positions that offer both day and night shifts, allowing you to apply only for the latter. Here are some examples: Baker Nurse Disc jockey Limo driver Merchandise stocker Night school teacher Hotel desk clerk Highway toll booth attendant Liquor store clerk Gas station attendant Movie projectionist Customer service representative Finally, many online jobs and contract work can be done at night. For example, as a search engine evaluator I often put in late hours. Other online work you can do at any time includes website testing, translating documents, proofreading and freelance editing. Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. Of the more than 100 ways he has personally made money, writing is his favorite (so far). 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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5 Things to Know about the AAdvantage Aviator Red and Silver Mastercards

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5 Things to Know about the AAdvantage Aviator Red and Silver Mastercards
The AAdvantage® Aviator® Red World Elite Mastercard® and the AAdvantage® Aviator® Silver World Elite Mastercard®, both issued by Barclays, will reward users who book a lot of travel on American Airlines. In fact, American Airlines purchases are the only way to earn double AAdvantage miles per dollar spent on the Aviator® Red — for every other purchase,... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article 5 Things to Know about the AAdvantage Aviator Red and Silver Mastercards originally appeared on NerdWallet. [...]
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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 2 bags Riced Cauliflower – $3.78 1 10-lb bag Russet Potatoes – $3.89 1 bag frozen Broccoli Florets – $0.95 1 3-lb bag Sweet Potatoes – $1.55 1 Pineapple – $0.99 2 Avocados – $0.88 1 pkg Zucchini – $1.24 1 Cauliflower – $2.19 1 large tub Organic Spring Mix – $3.49 1 bag Mini Sweet Peppers – $2.49 1 2-lb bag Red Onions – $1.79 3 large Cucumbers – $1.47 1 pkg Baby Carrots – $0.79 1 pkg Vine-Ripened Tomatoes – $1.48 1 pkg Broccoli Crowns – $1.39 1 3-lb bag Pink Lady Apples – $2.79 1 bunch Bananas (3.52lbs @ $0.42/lb) – $1.48 1 pkg Baby Bella Mushrooms – $0.99 1 pkg Artisan Lettuce – $2.39 1 pkg (5.53lbs) Fresh Boneless Chicken Breasts – $8.45 1 jar Extra Virgin Olive Oil – $2.69 1 gallon Whole Milk – $1.45 1/2 gallon 1% Milk – $0.95 1/2 gallon Orange Juice – $1.59 1/2 gallon Unsweetened Almond Milk – $1.69 1 can Whipped Dairy Topping – $2.65 1 24-oz carton Cottage Cheese – $1.59 4 Individual Cartons Flavored Greek Yogurt – $1.96 1 can Parmesan Cheese – $2.29 1 can Baking Powder – $0.99 1 can Garbanzo Beans – $0.48 1 2-lb bag Shredded Mozzarella Cheese – $4.49 2 2-lb bags Shredded Cheddar Cheese – $4.30 1 pkg Flour Tortillas – $0.65 2 boxes Honey Nut Oats – $2.30 1 bag Gluten-Free Pretzels – $1.85 1 box Cheese Crackers – $1.49 1 pkg Plain Rice Cakes – $1.15 2 cartons Egg Whites – $3.18 2 dozen Eggs – $1.78 1 pkg Turkey Pepperoni – $1.99 1 loaf Sandwich Bread – $0.65 1 pkg Hot Dog Buns – $0.59 1 pkg Hamburger Buns – $0.65 Total: $87.87 Grocery Total for the Week: $87.87 Weekly Menu Plan Breakfasts Everyone is responsible for making/cleaning up their own breakfasts. Choices include: Cereal, Oatmeal, Toast, Fruit, Yogurt, Scrambled/Fried/Hard Boiled Eggs, Veggie Omelets Lunches Cheese Quesadillas, Carrots, Apples x 2 Pretzels/Cheese Crackers with Peanut Butter, Mini Peppers, Bananas x 2 Build-Your-Own-Salad Bar, Rice Cakes Leftovers x 2 Dinners Hot Dog Cookout (Church Event – we just have to show up!) Pizza Casserole (recipe from the “Trim Healthy Table Cookbook” – the crust is made from riced cauliflower), Tossed Salad Crustless Ham Quiche, Broccoli, Brown Sugar Biscuit Twists Meatloaf, Baked Potatoes, Pineapple, Parmesan Roasted Cauliflower Healthy Roasted Veggie/Rice Bowl (making a variation of this recipe), Cucumber Salad Oven Baked Chicken Breasts, Quick Garlic Breadsticks, Zucchini Fries, Pineapple Venison Burgers, Oven Baked French Fries, Tossed Salad [...]
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NerdWallet’s Best Credit Cards for Transit Spending

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NerdWallet’s Best Credit Cards for Transit Spending
More than three-quarters of Americans commute by car, but millions of people also use public transit and other shared forms of transportation to get to work. Whether it’s bus/train/cab fare, rideshares, tolls or parking, you may spend hundreds of dollars a month just getting around. Thankfully, several credit cards offer bonus rewards specifically on those costs. Even general travel cards that... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article NerdWallet’s Best Credit Cards for Transit Spending originally appeared on NerdWallet. [...]
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Natural Calm Magnesium Gummies, 240 count for just $29.99 shipped!!

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Natural Calm Magnesium Gummies, 240 count for just $29.99 shipped!!
This post may contain affiliate links. Read my disclosure policy here. Looking for a deal on the Natural Calm Gummies that I take every day? Check out this great deal! Vitamin Shoppe is running a buy one, get one 50% off sale on select supplements right now! This sale includes my favorite Natural Calm Magnesium Gummies that I take every day! Many of you have asked me to share if I ever find a deal on these, so I was excited when a follower messaged me on Instagram about this! Here’s the deal you can grab on them: Buy 2 Natural Calm Magnesium Gummies, 120 count – $19.99 each Buy One, Get One 50% Off Sale Shipping is FREE Pay $29.99 shipped after sale! I’ve taken a variety of different magnesium supplements over the years, but these are my very favorite! And this is a really good price (I typically pay $20 per 120-count on Amazon!). Not only do they taste yummy, but when I take them I can tell a significant difference in my sleep and in my overall feelings of being a little more calm and relaxed. I take the highest dose (4 gummies) at night. If you’ve never taken magnesium before, I’d recommend starting out with the smallest dose, seeing how that works for you, and then gradually working up to a higher dose. Sale is valid through May 26, 2019. Go here to grab this deal on Natural Calm Gummies. [...]
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Survey: Lack of Financial Literacy Means Lower Incomes, Less Savings

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Survey: Lack of Financial Literacy Means Lower Incomes, Less Savings
Almost one quarter of Americans have no savings and even more — 40% — don’t keep a budget. One driving factor: a lack of financial literacy in the U.S., according to a survey by The Penny Hoarder. The problem, say experts from government organizations, advocacy groups and academia, comes from a lack of education on personal finance topics, beginning at home and continuing in school. “Parents will sooner talk about sex, drugs and alcohol than they would about money,” said Rob  Sansome, director of strategic initiatives at the Florida Prosperity Partnership, which partners with local organizations and agencies to promote economic stability. The survey also found that one-third of Americans while growing up did not discuss basic personal finance topics, such as credit scores, debt, being a smart shopper or opening a basic savings account. Only 13% of those surveyed talked about their own family’s financial situation. It’s like teaching a kid how to ride a bicycle. We didn’t get them a book on balance and motion, we put their butts on a bicycle and let them scrape their knees a little bit. The April 2019 survey of more than 1,500 adults underlines just how much early financial education impacts financial health in adulthood: 17% of those who discussed finances growing up have no savings at all. That figure balloons to 40% among those who had no early financial literacy. 18% of those who talked about money management at home report household income of less than $50,000. But for those who didn’t talk about money, almost a third — 31% — earn less than $50,000.  Here are some other survey highlights: 13% of those surveyed talked about their family’s finances while growing up. Only 20% of Americans learned about the importance of credit scores. 40% of Americans do not maintain a budget. 23% of Americans have no savings; 40% of Americans have less than $1,000 in savings. So how did we get here? Financial Literacy Gap Widens Across Generations Teaching basic financial concepts to children leads to better money outcomes when they grow up. It’s a point experts can’t emphasize enough, but it’s easier said than done. Embarrassment is one of the main reasons parents struggle instilling financial literacy in their children. They might be embarrassed about their own finances and even bringing up the topic brings on pangs of regret. “I can’t tell my child not to go into debt without cursing myself because I’m in debt,” Sansome said. “It all comes together in this quiet, creeping lack of knowledge.” Another factor driving financial illiteracy, Sansome said, is our culture’s obsession with tackling debt versus saving in the first place. For example, if you turn on the TV you’re far more likely to be hit with a barrage of advertisements for loan refinancing services rather than budgeting apps. “I call it the Smokey Bear concept,” said Bill Mills, president and CEO of the Florida Prosperity Partnership. “We need to have a national campaign on the good of saving and not have it be perceived as spending’s stinky brother.” Further compounding the problem with saving, those who didn’t discuss personal finance topics while growing up are more likely to fall within a low-income stratum, according to The Penny Hoarder survey and an analysis of data Consumer Financial Protection Bureau. Our survey found that nearly one-third of Americans who didn’t talk money management as children report household income of less than $50,000. That and other factors can lead some parents to question their own financial knowhow and whether they’re qualified to be passing on information to their kids, said DeAndrew Geels, a senior who works as a financial adviser at Texas Tech’s Red to Black financial literacy program. “Money is such a taboo topic,” he said. “It’s something you don’t really like to talk about, and that can be pretty harmful for everyone.” For one, it’s a factor driving the rise in student loan debt, which has soared past $1.5 trillion this year. Many parents and students don’t take the time to understand the Free Application for Federal Student Aid, or FAFSA. The form determines whether a prospective student is eligible for financial aid.  Students or parents who miss FAFSA or other deadlines for financial aid awards leave free money on the table — and end up taking on debt to fill the void, said Erin Dunn, associate director of financial aid at the University of South Florida St. Petersburg. “Students were coming in the door without ever being exposed to financial concepts, and it was a much bigger conversation than financial aid,” she said. The repercussions stretch into the retirement years. In 2000, 12% of Americans over the age of 64 — about 4.1 million workers — were in the labor force, according to data from the U.S. Bureau of Labor Statistics. That number increased to  20%, or roughly 10.6 million people, this year. “People are very concerned about not having enough money for retirement and many people don’t,” said Helen Colby, assistant professor of marketing at Indiana University, who studies consumer financial decision making. FROM THE ANNOUNCEMENTS FORUM Some bittersweet news! 9/19/19 @ 11:42 PM This week in... The Penny Hoarder Community! 7/30/19 @ 3:26 PM This week in... The Penny Hoarder Community! 8/6/19 @ 2:47 PM New announcement: We've introduced a few new threads! 1/23/19 @ 5:32 PM See more in Announcements or ask a money question Financial Literacy Programs Can Help Break the Cycle There are hundreds of financial literacy programs run by nonprofit and educational groups throughout the country that are based on the FDIC’s MoneySmart program. The federal agency offers a guided online course that ends with a nifty certification.  In the 15 board game-style modules, the FDIC covers everything from making sure you get the best deal on a credit card to identity theft. And you can even order a physical copy for free. For those who aren’t into playing games, the Consumer Financial Protection Bureau broadcasts free monthly webinars on personal finance topics. The agency also has a database of answers to questions its experts have been asked over the year, and you can ask your own if you don’t find what you’re looking for. Pro Tip When crafting a monthly budget, be as specific as possible. You’ll be surprised at how much more you spend than you think. Every cup of coffee counts. The Penny Hoarder Academy offers simple, easily digestible information on budgeting, credit scores, groceries and even homebuying if you’re that far along on your financial journey. College students who want to get out ahead of looming debt have some options right on campus. Dunn, from USF St. Pete’s financial aid office, recently launched AFLOAT, a campus financial advising program that has attracted freshmen interested in budgeting, juniors and seniors interested in learning about student loan payment options and post-graduates hoping to catch up on personal finance topics. Dozens of colleges have programs like USF’s AFLOAT and Texas Tech’s Red to Black available free to students. For many students, college is the first time they’re de [...]
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6 Ways to Save Money at Culver’s

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6 Ways to Save Money at Culver’s
Love Culver’s? Don’t miss out on these 6 easy ways to save money at Culver’s! {Also be sure to check out 16 Ways to Save More at Restaurants and our Master List of Restaurants Where Kids Eat Free!} Guest post from Bridgitte of BrigitteBrulz.com Ask anyone in my immediate family what their favorite restaurant is and Culver’s is the answer! It’s something we all agree on! What’s not to love about ButterBurgers and fresh frozen custard? Well, if you are on a tight budget… possibly the price. On the rare occasion my family does go out to eat, we often end up at Culver’s. As a result, I have learned a few tips to save money on those Culver’s visits. 1. Buy kid’s meals. One of the easiest ways to save money at Culver’s is to eat kid’s meals. Even adults can purchase a kid’s meal at all of the Culver’s I have visited. Less calories, less cost, and enough to fill my belly (but not my husband’s who does order from the “adult” menu). Each kid’s meal automatically comes with a coupon for a free scoop of custard and a Scoopie token. Just don’t forget to take the coupon and token off the side of the kid’s meal bag before throwing it away! You can save ten Scoopie tokens to get a free kid’s meal later. You can also save the free scoop of custard coupon for a future visit. It’s nice being able to go out as a treat for just custard and not having to pay anything! I keep the coupons and tokens in an envelope in my purse (along with gift cards) until I am ready to use them. If you are automatically charged for a drink with the kid’s meal but prefer water, you can ask for a cup for water (free) and bring the carton of milk (included in the meal) home to use later. 2. Sign up for their e-mail list. If you want to save money at Culver’s, be sure to sign up for their email list! Those signed up for a free MyCulver’s account receive coupons, updates, a monthly flavor forecast, and coupons for free custard on each family member’s birthday by email. The monthly flavor forecast gives you a calendar of the “flavor of the day” for each day of the month for your local Culver’s. Just keep in mind those flavors are only for your local Culver’s. If you are traveling, you can find the flavor of the day for any other Culver’s on the Culver’s website or the Culver’s App. 3. Purchase Culver’s gift cards during the holidays. Culver’s typically runs a promotional deal on gift cards just before Christmas. For each gift card you purchase (at the amount required), you receive a free value basket coupon. You can keep the free value basket coupon for yourself and give the gift card to someone else for Christmas. You can also purchase the gift cards for yourself to use throughout the year (and still keep the free value basket coupons)! 4. Use expired coupons. One of my tricks to save money at Culver’s is to not throw away my expired Culver’s coupons! You may want to ask your local Culver’s if they will accept expired coupons, but all of the ones I have asked have accepted them. The birthday coupons for free custard typically state they expire in two weeks. The free value basket coupons received with the gift cards at the end of the year typically state they expire at the end of February. BUT, since my local Culver’s accepts expired coupons, I don’t have to use them (or throw them away) until we are ready to use them. 5. Fill out the survey on your receipt. Sometimes the receipts will have information about taking an online survey. If your receipt does, you can go online, answer the questions about your recent visit, and receive a code for a free scoop of custard. Write the code at the bottom of the receipt and bring it in the next time you want a a scoop of custard (possibly on a day that has your favorite flavor of the day). 6. Only go if you have coupons and/or gift cards. I typically purchase a set number of gift cards at the end of the year (when Culver’s has their gift card promotion) using money set aside for that. We also get Culver’s gift cards as gifts from others who know we enjoy Culver’s. Those gift cards and coupons last us for the entire next year of Culver’s visits. If we don’t have a gift card or free custard/free value basket coupons, we don’t go! What are your best tips to save money at Culver’s — or your favorite restaurant? Brigitte Brulz is a homeschooling mom, creator of Reading Journals for kids, author of the book Pickles, Pickles, I Like Pickles, and freelance writer. She offers free coloring pages, activity ideas, and more on her website at www.brigittebrulz.com. [...]
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FINRA Warns Investors of Potential Stock Fraud in Wake of Hurricane Dorian

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FINRA Warns Investors of Potential Stock Fraud in Wake of Hurricane Dorian
The Financial Industry Regulatory Authority (FINRA) recently released an investor alert cautioning investors of potential stock fraud in the wake of Hurricane Dorian. FINRA noted that financial fraud and potential investment scams regularly follow a natural disaster. Such scams can take the form of unsolicited phone calls, emails and texts about investments related to the natural disaster. FINRA’s investor alert highlights certain unsolicited communications about investments that exploit the latest natural disaster of which investors should be mindful, including price targets or predictions of exponential growth, pressure to invest immediately and mention of contracts or affiliations with federal government agencies or well-known companies. To avoid potential scams, FINRA advises investors to (1) investigate the relevant investment professionals before investing, (2) find the source of the message, (3) find out where the potential stock trades, and (4) read the company’s SEC filings. A full copy of the investor alert is available here. [...]
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This week in Fintech

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This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
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American Pie 4-Movie Collection

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American Pie 4-Movie Collection
There are some great online deals right now for DVD sets. You can order the American Pie 4-Movie Collection for only $17.79. This 4-Movie Collection Box Set is normally $22.98. Be sure that you grab this deal soon because the prices can change at any time. The post American Pie 4-Movie Collection appeared first on Penny Pinchin' Mom. [...]
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SKLZ Pro Mini Micro Hoop w/ Foam Ball

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SKLZ Pro Mini Micro Hoop w/ Foam Ball
This would be a fun gift idea to grab for any kid on your holiday shopping list! You can get the SKLZ Pro Mini Micro Hoop w/ Foam Ball for only $13.50. You will be saving 46% on this purchase because it is usually $24.99. Be sure that you grab this deal soon because the ... Read More about SKLZ Pro Mini Micro Hoop w/ Foam Ball The post SKLZ Pro Mini Micro Hoop w/ Foam Ball appeared first on Penny Pinchin' Mom. [...]
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5 Types of Car Insurance Coverage That May Be a Waste of Money

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5 Types of Car Insurance Coverage That May Be a Waste of Money
The cost of owning a car goes well beyond the sticker price at the dealership. There are fuel costs, routine maintenance and, of course, car insurance.  The seemingly endless options for car insurance can be overwhelming, so many drivers end up opting for coverage they don’t actually need. Liability coverage is the most basic form of car insurance and is absolutely necessary. Should you be deemed at fault for an accident, liability coverage will take care of the medical costs for other people injured and costs of repairs for other vehicles — but not yours. Some states require additional types of coverage beyond liability.  However, there are certain types of coverage that you can and potentially should opt out of, depending on the value of your car, your current finances, your health insurance policy and more. So what types of car insurance can you skip?  1. Do I Need Collision Insurance and Comprehensive Coverage? When to Skip Collision insurance covers damage to your car in the event of an accident, whether you were at fault or not.  Comprehensive instead covers damage to your car outside of an accident, like flood damage due to a hurricane, vandalism, theft or fire.  If your car is worth a lot of money, you should absolutely carry these coverages, and if your car is financed, your lender may require you to. But you may be wondering: Do I need collision insurance, especially if my car is old? If your car is old or you paid a small amount of cash for a used car that may only last for a few months, you’d be wasting your money to get collision and comprehensive. “Your reward is diminished greatly once your vehicle has depreciated over the course of time,” said Melanie Musson, insurance writer for CarInsuranceComparison.com. “So, if you’re paying monthly for coverage that’s going to provide you with minimal payment should you total your vehicle, and then you’ll face higher rates after making a claim, it’s just not worth it.” One caveat: Be prepared to pay out of pocket to fix the car or, more likely, to purchase a replacement vehicle. But if your vehicle is only valued at $1,000, it may be better to put money each month into savings for a replacement vehicle than to shell out money for coverage on that low-value vehicle. Chris Tepedino, also of CarInsuranceComparison.com, warns that bundling uninsured motorist and collision is often a mistake.  “Uninsured motorist protects your car if it’s hit by someone who doesn’t have insurance,” he said. “Collision, well, protects your car. Don’t be suckered into thinking you have to buy both. Overlapping generally doesn’t help.” 2. GAP Insurance: It Depends on Your Down Payment Vehicle depreciation can be a major detriment to your finances, especially if you wreck your vehicle shortly after financing it.  Because a car loses about 20% of its value when you drive it off the lot, insurance will only cover 80% of the initial sticker price should you get in an accident on your way home. That means you will be responsible for the other 20%. With the average new vehicle costing $37,401, that could mean you lose out on nearly $7,500. That’s where gap insurance (guaranteed asset protection) comes in, covering the difference between what you paid for a new car and how much your regular insurance is willing to pay for the totaled vehicle. But depending on how much you put down for the car versus how much you financed and how much that car is worth, you might not need gap insurance. “Gap coverage isn’t necessary if you’re able to financially handle the risk of paying the difference between what you owe and what your vehicle is worth when you’re upside down on a vehicle loan,” Musson said. “If you make a 20% or greater down payment, your risk for needing the coverage is greatly lowered, and you may be able to forgo that coverage.” Similarly, you don’t need gap coverage if you’ve paid off your vehicle or if you purchase an old vehicle that won’t depreciate as quickly, Tepedino said. FROM THE INSURANCE FORUM Self Employed Medical Insurance 10/12/19 @ 10:52 AM Car Insurance 9/28/19 @ 7:33 AM Total loss valuation 9/16/19 @ 10:40 AM What happens to my FSA if I leave a job? 8/5/19 @ 9:37 AM I See more in Insurance or ask a money question 3. Rental Car Reimbursement: Probably Not Worth It A luxury option you can add to your policy is rental car reimbursement. If your vehicle is damaged and must be repaired, this coverage gets you a rental car to use while your vehicle is out of commission. However, the cost of paying for this each month would likely exceed the cost of a rental vehicle, unless you crash frequently or need a rental for multiple weeks.  Even then, you may be better off relying on friends and family for temporary transportation, if possible. If you live in a two-vehicle household, consider getting by on one vehicle temporarily instead of opting for this coverage. 4. Roadside Assistance: Check Your Warranty First Similarly, you can opt for roadside assistance for help with jump-starts, flat tires and more serious problems that leave you stranded. However, many new cars come with roadside assistance, often throughout the length of the warranty. “You can skip roadside assistance, as long as you realize you’ll have to pay for a tow out of pocket,” Musson said. “You may even be able to find it cheaper from AAA or a similar service.” If you live paycheck to paycheck, this additional insurance expense is one to avoid. 5. MedPay: Depends on Your Health Insurance Medical payments coverage, also known as MedPay, is an optional coverage that assists with medical expenses after an accident. However, if you have decent health insurance, you can likely skip this coverage. Want to Save Money on Car Insurance? Proceed With Caution The cost of your insurance is proportional to the deductible and coverage limits you choose. The lower your deductible and higher your coverage limits, the more you’ll pay in insurance premiums. “This is a little dangerous, but if someone is wanting to save money, going with lower coverage limits may help,” Tepedino said.  But Tepedino warns that this is a risky way to save money. “The average cost of an accident with property damage alone is $7,500,” he said. “That number obviously jumps with a death or severe injury, so go at your own peril.” Brent Weiss, a certified financial planner and co-founder of Facet Wealth, believes there are some types of coverage you can consider avoiding, but he urges caution when you’re shopping for car insurance. “I am not a fan of simply meeting state minimums,” Weiss said. “It puts too many families at risk of a financial loss they cannot cover. In general, I recommend having liability coverage for bodily injury and personal property, underinsured and uninsured motorists, and collision and comprehensive coverage for most cars. There are some personal injury coverages that may be required, but limits are typically low. The bottom line is that you want to get the right coverage with the right limits and not simply shop for the lowest premium. You often get what you pay for.” Timothy Moore leads a team of editors and graphic designers at a ma [...]
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Last Week’s $70 Grocery Budget + Menu Plan

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Last Week’s $70 Grocery Budget + Menu Plan
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. I’ve been finding a LOT of random markdowns at Kroger recently, so my shopping trips this week were mostly made up of those! Kroger Shopping Trip #1 Kroger Eggs — marked down to $1.29 Cinnamon Raisin Bread — marked down to $1.29 2 cans of canned Pineapple — marked down to $0.49 each JIF peanut butter — marked down to $0.99 each Kettle cooked chips — marked down to $0.79 Kroger sour cream — $1.39 Deli chicken — marked down to $2.39 Elbow macaroni — marked down to $0.39 1 bag of peppers/squash — marked down to $0.99 Kroger peanuts — marked down to $0.89 Sirloin Steak — marked down to $4.40 1 bag of cucumbers — marked down to $0.99 Strawberries — $1.50 2 cans of Kroger soup — $0.79 each 1 bag of lemons — marked down to $0.99 Bananas — marked down to $0.39/lb. = $0.71 Tyson Frozen Chicken — $6.99 2 cans of salmon — marked down to $1.99 each Package of Kind Breakfast Bars — marked down to $0.99 2 cans of green beans — marked down to $0.29 each Simple Truth organic seltzer water — marked down to $0.99 each 2 boxes of Rice-a-Roni — marked down to $0.49 each Kroger taco seasoning — marked down to $0.19 Total with tax: $41.96 I was excited about the Weekend Deals at Kroger this week and am going back to hit some of the others on Monday! Kroger Shopping Trip #2 Salad Kit — $1.99 Nature Valley Granola Bar — marked down to $0.69 Kroger eggs — marked down to $1.29 Annie’s Mac & Cheese — marked down to $0.59 each Capri Sun — marked down to $0.69 JIF Peanut Butter — marked down to $0.89 3 packages of Smithfield Bacon — $2.99 each with Weekend Deals Kind bar — Free with Free Friday coupon Creamed Corn — $0.99 Kroger Green Beans — $0.59 5 Lara Bars — $0.50 each with Weekend Deals Franks Red Hot Sauce — Well, I thought this was supposed to be $0.99 with the Kroger Weekend Deals but as I was typing this up, I realized that I think I actually paid $2.99 for this!! Now I’m trying to decide whether it’s worth taking back to the store. Probably not? But I kind of surprised that I didn’t catch that I overpaid for this. 🙁 I usually am really good at carefully checking everything. Here’s another good reason why you should check your receipt really thoroughly before leaving the store! Lettuce — $1.79 Total with tax: $26.18 What We Ate This Past Week Note: When you see the meals below, please remember this: I buy ahead often. Which means that when I find a great deal on something I know we’ll use, I buy as much as I can afford in our budget to have on hand. This means that you aren’t going to see all of the groceries my shopping trip that I used to make all of the meals we ate. Please also remember that I’m putting this out there and it’s not a perfectly balanced menu. This is just really what we ate — and I hope that it encourages you to see the real-ness and lack of perfection here. Breakfasts: Cereal, Toast, Oatmeal, Peanut Butter & Honey Sandwiches (Silas and Kaitlynn have been loving this for breakfast recently!), Eggs Lunches: Ham Sandwiches, Granola Bars, Yogurt, Capri Sun, Salad, Leftovers, Fruit Snacks: Cookies, Popcorn, Ice Cream, Go-Gurts, Apple Crisp, Fruit, Veggies Dinners: Sunday — Fend For Yourself Monday — Slow Cooker Teriyaki Beef with Pineapple over rice, fruit Tuesday — Slow Cooker Chicken Tetrazzini, green beans Wednesday — Breakfast for dinner: Pancakes, sausage, fruit Thursday — Barbecue Chicken, Noodles, Fruit Friday — Smoked Ribs, Green Beans with bacon/garlic/onion, creamed corn Saturday — Leftovers Total spent on groceries: $68.14 Cashback earned this week: 50 points for submitting my receipts to Fetch rewards [...]
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Save on Suave Professionals Hair Care at Walmart!

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Save on Suave Professionals Hair Care at Walmart!
{This post is sponsored by Mirum. Opinions are 100% my own. Read our disclosure policy here.} Are you looking for premium shampoo and conditioner that doesn’t cost a fortune? If so, be sure to check out the Suave Professionals Gold & Green hair care lines at Walmart! I had no idea that Suave Professionals is actually a salon proven formula for a variety of hair types and needs. And I love how affordable it is for people on an everyday, regular budget! Not only is this affordable to purchase at your local Walmart, but right now they are also offering 40% more for FREE in each bottle! For a limited time only, the regular bottles have been replaced with 18 ounce bottles on the shelves at Walmart — but the price remains the same! That means you’ll get 40% more for FREE in each bottle at Walmart’s regular everyday low price. Just look for the gold and green bottles of Suave Professionals to get this deal. Choose from five different lines of the Suave Professionals Gold & Green hair care: Suave Almond & Shea Shampoo and Conditioner (Green) — Infused with 100% natural almond and shea butter, this rich formula replenishes as it cleans and conditions, leaving dry hair feeling nourished. It contains 0% parabens and 0% dyes. Suave Keratin Infusion Shampoo and Conditioner (Gold) — This formula is designed to give you sleek, smooth, easy-to-manage hair and controls frizz for up to 48 hours. Suave Coconut Oil Shampoo and Conditioner (Gold) — Infused with pure coconut oil, this formula visibly repairs damage after just three uses without weighing hair down. Suave Moroccan Infusion Shampoo and Conditioner (Gold) — Infused with authentic Moroccan Argan Oil, this line gently cleanses hair, while restoring lost shine. Suave Rosemary Mint Shampoo and Conditioner (Green) — Infused with real rosemary and mint, this rich formula revitalizes hair as it cleans, leaving it feeling nourished and looking healthy. You can purchase these bottles in-stores or online at Walmart’s everyday low price. Just be sure to shop soon so that you can get 40% more for FREE!   [...]
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Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.

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Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.
The post Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry. appeared first on ONEtoONE Corporate Finance. [...]
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Got Credit Card Debt? Paying Biweekly Could Save You Hundreds on Interest

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Got Credit Card Debt? Paying Biweekly Could Save You Hundreds on Interest