The Staples Price Match Guarantee — Even on Back To School Supplies!

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The Staples Price Match Guarantee — Even on Back To School Supplies!
This post may contain affiliate links. Read my disclosure policy here. Did you know about Staples Price Match Guarantee? This is especially useful during back to school season! {Be sure to check out all the best Back to School Deals that we’re posting each week!} Staples Price Match Guarantee Staples offers a 110% price match on just about everything in-store — which means they’ll match any competitor’s price plus give you an extra 10% savings! (Note: this is valid in-store only, not online.) It’s super easy to take advantage of their price matching: Find a lower price at one of their competitors. Bring in proof of the lower price. Present it to a Staples associate to receive that item at 10% lower than the competitor’s price. The Staples Price Match Guarantee also allows you to be refunded the difference of an item if you find a lower price within 14 days of your purchase! You can go HERE for more information and fine-print details on how their price matching works. Back to School Shopping at Staples This is super helpful during the Back to School season, as it basically allows you to shop all the ads at various stores, find the best deals, and then price match them at Staples for the absolute lowest price!! If you’re willing to take the time to take advantage their price matching, it can really save you money to buy all your Back to School Supplies at Staples! Have you ever tried this at Staples? Let us know in the comments how it worked out for you! 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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FINRA Proposes to Ease Restrictions on Initial Equity Public Offerings and New Issues

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FINRA Proposes to Ease Restrictions on Initial Equity Public Offerings and New Issues
The Financial Industry Regulatory Authority (FINRA) is proposing to amend its Rule 5130 and Rule 5131 to ease certain restrictions on initial equity public offerings and new issue allocations and distributions. FINRA Rules 5130 and 5131 are designed to protect the integrity of the public offering process by, among other things, generally prohibiting FINRA members from selling a new issue to an account in which a “restricted person” has a beneficial interest in order to ensure that industry insiders, including members and their associated persons, do not take advantage of their insider position to purchase new issues for their own benefit at the expense of public customers. FINRA has proposed amending the Rules to remove certain impediments to capital formation deemed unnecessary to protect investors to address the impact of the rules on family offices, sovereign entities, foreign employee retirement benefits plans, foreign investment companies and executive officers and directors of charitable organizations. If adopted, the proposal would amend Rule 5130 to exempt foreign employee retirement benefits plans, exclude sovereign entities that own broker-dealers from the categories of restricted persons, and broaden the scope of “family investment vehicle” under the rule. In addition, the proposal would amend Rules 5130 and 5131 to exclude from the definition of “new issue” offerings that are conducted pursuant to Regulation S under the Securities Act of 1933 and other offerings outside of the United States and its territories. The proposal also would amend Rule 5131 to exclude unaffiliated charitable organizations from the definition of “covered non-public company.” The proposal also would make certain additional minor amendments to Rules 5130 and 5131 to make the rules more consistent. FINRA’s proposal is available here.   [...]
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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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Trying to be more productive? Grab this $1500 bundle of eResources for just $37!

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Trying to be more productive? Grab this $1500 bundle of eResources for just $37!
This post may contain affiliate links. Read my disclosure policy here. Do you wish you could be more productive and use your time intentionally? If so, you’ll definitely want to grab this productivity bundle that’s on sale right now! This bundle was SO popular earlier this year when it was offered, and they’ve brought it back as a flash sale for two days only!! Hurry and grab it for just $37 before the end of tomorrow, August 15th! This Productivity Bundle has everything you need to conquer your to-do list, be more productive, free up more time for yourself, and reach your goals — and you can get it for just $37!! It contains $1506.90 worth of eBooks, printables, eCourses, and membership sites…and all you pay is $37 for all 46 resources! These resources are designed to help you: Set clear goals and priorities so you’ll use your time wisely Create routines to help you be more productive so you won’t fall behind Get started with tasks instead of procrastinating Deal with distractions instead of getting sidetracked Find the energy to be productive all day instead of burning out If you feel overwhelmed or stuck when it comes to your productivity and time-management, this Productivity Bundle will help give you the practical tools and tips you need to take that first step! Go here to grab your Ultimate Productivity Bundle for just $37. [...]
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Low Price on Elle Magazine Subscription!

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Low Price on Elle Magazine Subscription!
Here’s a great deal for the popular Elle Magazine, get it for only $4.99 per year. That’s a savings of 89%! Just enter coupon code PENNYPINCH at checkout and watch the price drop! Elle Magazine is the ultimate shopping and lifestyle guide for today’s modern woman. Devoted to the sophisticated and well-traveled woman, Elle features the hottest ... Read More about Low Price on Elle Magazine Subscription! The post Low Price on Elle Magazine Subscription! appeared first on Penny Pinchin' Mom. [...]
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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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Is Dollar Tree Raising Prices?

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Is Dollar Tree Raising Prices?
Did you hear about the possibility of Dollar Tree raising prices?! I really hope this doesn’t end up affecting how much I love Dollar Tree!! {Be sure to check out my lists of 25 Things to Buy at Dollar Tree and 5 Things You Should NOT Buy at Dollar Tree!} Not everything will be $1 at Dollar Tree anymore?? Wait…what?! Isn’t that the whole point of Dollar Tree? I was sad to see that Dollar Tree recently announced they’re introducing multiple price points on some of their merchandise. These items will be called Dollar Tree Plus! multi-price point products. For now, it looks like this pricing will only be tested in select stores across the country to see how it goes. Have you noticed this pricing being tested at your store yet? Nothing is official quite yet, because depending on how consumers respond to the test, they may or may not keep this multi-pricing model. Does that mean Dollar Tree is raising prices? Well, not technically! The good news is that during this testing phase, they will not raise prices on their current assortment of products that are already priced at $1. I’m hopeful that the test phase won’t be successful and Dollar Tree will stick with their original pricing. Why I love Dollar Tree so much The main reason I love Dollar Tree so much is that I know I can go into the store and expect everything to be $1 or less! That’s the beauty of it! I really hope this doesn’t affect the great $1 value items you can currently get at Dollar Tree. I also wonder if I’ll eventually have to update my list of what NOT to buy at Dollar Tree. We’ll have to see! Have you noticed any of these price changes/tests happening at your store? Let us know in the comments. Related Links: My 25 Favorite Things to Buy at Dollar Tree 5 Things You Should NOT Buy at Dollar Tree 21 Valentine’s Day Deals at Dollar Tree 23 Stocking Stuffer Ideas from Dollar Tree [...]
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Make Your Money Work for You: The Ultimate Guide to Setting Financial Goals

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Make Your Money Work for You: The Ultimate Guide to Setting Financial Goals
Saving money is all well and good in theory. It’s pretty hard to argue having more cash in your pocket could ever be a bad thing. But what are you saving for? After all, money is just a tool. If you don’t have solid financial goals, all those hoarded pennies might end up floating in limbo when they could be put to good use. Figuring out where your money should go might seem daunting, but it’s actually a lot of fun. You get to analyze your own priorities and decide exactly what you think you should do with your hard-earned cash. Talk about adulting, right? But to make the most of your money, follow a few best practices while setting your goals. After all, even if something seems like exactly what you want right now, it might not be in future-you’s best interest. And you’re playing the long game… that’s why they’re called goals! What to Do Before You Start Writing Your Financial Goals To keep yourself from deciding your financial goals are “buy the coolest toys and cars, get deeply into debt and watch my credit score plummet” — all super easy to do — we’ve compiled this guide. It’ll help you set goals and create smart priorities for your money. That way, however you decide to spend your truly discretionary income, you won’t leave the 10-years-from-now version of you in the lurch. First Things First: How Much Money Do You Have? You can’t decide on your short- or long-term financial goals if you don’t know how much money you have or where it’s going. And if you’re operating without a budget, it can be easy to run out of money well before you run out of expenses — even if you know exactly how much is in your paycheck. So sit down and take a good, hard look at all of your financial info. A ton of great digital apps can help you do this — here are our favorite budgeting apps — but it can be as simple as a spreadsheet or even a good, old-fashioned piece of paper. It just takes two steps: Figure out how much money you have. It might be in checking or savings accounts, including long-term accounts like IRAs. Or, it might be wrapped up in investments or physical assets, like your paid-off car. Assess any debts you have. Do you keep a revolving credit card balance? Do you pay a mortgage each month? Are your student loans still hanging around? Take the full amount of money you owe and subtract it from the total amount you have, which you discovered in step one. The difference between the two is your net worth. That’s the total amount of money you have to your name. If it seems like a lot, cool. Hang tight and don’t let it burn a hole in your pocket. We’re not done yet. If it seems like… not a lot, well, you’re about to fix that. Keep reading. Create a Budget Once you’ve learned your net worth, you need to start thinking about a working budget. This will essentially be a document with your total monthly income at the top and a list of all the expenses you need to pay for every month. And I do mean all of the expenses — that $4.99 recurring monthly payment for your student-discounted Spotify account definitely counts. Your expenses probably include rent, electricity, cable or internet, a cell phone plan, various insurance policies, groceries, gas and transportation; and other looser categories like charitable giving, entertainment and travel. Pro Tip Print out the last two or three months of statements from your credit and debit cards and categorize every expense. You can often find ways to save by discovering patterns in your spending habits. It’ll depend on your individual case — for instance, I totally have “wine” as a budget line item. See? It’s all about priorities. Start by listing how much you actually spent in each category last month. Subtract your total expenses from your total income. The difference should be equal to the amount of money left sitting in your bank account at month’s end. It’s also the money you can use toward your long-term financial goals. Want the number to be bigger? Go back through your budget and figure out where you can afford to make cuts. Maybe you can ditch the cable bill and decide between Netflix or Hulu, or replace one takeout lunch with a packed version. You don’t need to abandon the idea of having a life (and enjoying it), but there are ways to make budgetary adjustments that work for you. Set the numbers you’re willing to spend in each category, and stick to them. Congratulations. You’re in control of your money. Now you can figure out exactly what you want to do with it. How to Set Your Financial Goals Before you run off to the cool-expensive-stuff store, hold on a second. Your financial goals should be (mostly) in this order: Build an emergency fund. Pay down debt. Plan for retirement. Set short-term and long-term financial goals. We say “mostly” because it’s ultimately up to you to decide in which order you want to accomplish them. Many experts suggest making sure you have an emergency fund in place before aggressively going after your debt. But if you’re hemorrhaging money on sky-high interest charges, you might not have much expendable cash to put toward savings. That means you’ll pay the interest for a lot longer — and pay a lot more of it — if you wait to pay it down until you have a solid emergency fund saved up. 1. Build an Emergency Fund Finding money to sock away each month can be tough, but just starting with $10 or $25 of each paycheck can help. You can make the process a lot easier by automating your savings. Or you can have money from each paycheck automatically sent to a separate account you won’t touch. You also get to decide the size of your emergency fund, but a good rule of thumb is to accumulate three to six times the total of your monthly living expenses. Good thing your budget’s already set up so you know exactly what that number is, right? You might try to get away with a smaller emergency fund — even $1,000 is a better cushion than nothing. But if you lose your job, you still need to be able to eat and make rent. 2. Pay Down Debt Now, let’s move on to repaying debt. Why’s it so important, anyway? Because you’re hemorrhaging money on interest charges you could be applying toward your goals instead. So even though becoming debt-free seems like a big expense and sacrifice right now, you’re doing yourself a huge financial favor in the long run. There’s lots of great information out there about how to pay off debt, but it’s really a pretty simple operation: You need to put every single penny you can spare toward your debts until they disappear. One method is known as the debt avalanche method, which involves paying off debt with the highest interest rates first, thereby reducing the overall amount you’ll shell out for interest. For example, if you have a $1,500 revolving balance on a credit card with a 20% APR, it gets priority over your $14,000, 5%-interest car loan — even though the second number is so much bigger. Pro Tip If you’re motivated by quick wins, the debt snowball method may be a good fit for you. It involves paying off one loan balance at a time, starting with the smallest balance first. Make a list of your debts and (ideally) don’t spend any of your spare money on anything but paying them off until the number after every account reads “$0.” Trust me, the day when you become debt-free will be well worth the effort. As a bonus, if your credit score could be better, repaying revolving debt will also help you repair it — just in case some of your goals (like buying a home) depend upon your credit report not sucking. 3. Plan for Retirement All right, you’re all set in case of an emergency and you’re living debt-free. Congratulations! We’re almost done with the hard part, I promise. But there’s one more very important long-term financial goal you most definitely want to keep in mind: retirement. Did you know almost half of Americans have abs [...]
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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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VTech Touch and Swipe Baby Phone

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VTech Touch and Swipe Baby Phone
Grab this great deal now and use it for a gift idea later this year! You can get the VTech Touch and Swipe Baby Phone for only $12.89. This is a great learning toy that is under $15. It is normally $15.99. Be sure that you grab this deal soon because the prices can change ... Read More about VTech Touch and Swipe Baby Phone The post VTech Touch and Swipe Baby Phone appeared first on Penny Pinchin' Mom. [...]
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Disney’s Pocahontas & Pocahontas II Blu-ray 2-Movie Collection

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Disney’s Pocahontas & Pocahontas II Blu-ray 2-Movie Collection
Grab this great deal as a gift idea or stocking stuffer! You can get the Disney’s Pocahontas & Pocahontas II Blu-ray 2-Movie Collection for only $11.96. You will be saving 60% on this purchase because it is usually $29.99. Be sure that you grab this deal soon because the prices can change at any time! The post Disney’s Pocahontas & Pocahontas II Blu-ray 2-Movie Collection appeared first on Penny Pinchin' Mom. [...]
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*HOT* JCPenney: Buy 1, Get 2 Free Women’s Sandals

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*HOT* JCPenney: Buy 1, Get 2 Free Women’s Sandals
This post may contain affiliate links. Read my disclosure policy here. Do you need new sandals for summer? JCPenney is currently offering Buy One, Get Two Free on select women’s sandals! JCPenney is offering Buy One, Get Two Free select women’s sandals! There are over 100 styles to choose from! No promo code is needed. Just add three pairs to your cart and you’ll see the discount at checkout. Choose in-store pickup to avoid shipping costs. Valid through June 26, 2019. Thanks, Freebie Radar! [...]
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5 Moves to Make If Your Kids’ Extracurriculars Are Busting the Budget

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5 Moves to Make If Your Kids’ Extracurriculars Are Busting the Budget
Extracurricular activities are great for children. They help kids learn new things and perfect their skills. They provide opportunities to bond with peers and a constructive use of time. They look great on college and scholarship applications. But all that enrichment comes at a cost. And these nonessential additions to the household budget can be expensive to keep up with — especially when you have multiple children with multiple interests. Huntington Bank and Communities in Schools’ 2019 Backpack Index estimates extracurricular fees average about $150 for elementary students, $250 for middle school students and $350 for high school students. Of course, there are parents who spend much more. A 2017 Capital One poll found that over a third of those surveyed planned to spend more than $1,000 per kid on extracurricular activities for the school year. If the cost of after-school activities concerns you, consider these ways to make them more affordable. 1. Turn to Government or Nonprofit Programs Before signing your kids up for private music lessons or a traveling sports league, check to see if there are similar offerings located at or sponsored by your local: School Church Library system YMCA Boys and Girls Club Police Athletic League Girl Scouts/Boy Scouts United Way Salvation Army City or county parks and recreation department Community college 2. Ask About Discounts Be thrifty and save where you can by asking the activity provider about discounts. Is there a trial period where you kid can take a class or two for free before signing up for the season? Can you get a discounted rate for being a returning participant, enrolling more than one child or recommending another family to sign up? Some programs offer a reduced rate if you register before a certain date, if you sign up for a package of sessions or if you volunteer to coach. Others offer scholarships or set their prices on a sliding scale based on income. You might want to ask if the organization will allow you to set up a payment plan rather than requiring all the money upfront. Pro Tip Check discount sites like Groupon or Living Social for current deals on activities. 3. Reduce the Associated Costs of After-School Activities The cost to enroll your child in an activity is rarely the only expense you’ll encounter. Equipment, supplies, uniforms, fundraisers, travel and performance tickets can greatly increase your investment. Find ways to lower these additional costs whenever possible. Arrange a carpool with team members. Buy secondhand equipment and attire. Limit the family members who attend smaller performances throughout the year, and save up so everyone can attend the major show at the end of the season. 4. DIY Your Extracurriculars Your kid can get the benefits of participating in an activity without it being a formal program that you pay for. Consider your children’s interests and figure out how to pursue them on an individual scale. If your kid is into music, hit up YouTube for free tutorials. There are tons of cooking blogs with detailed recipes for those who want to master baking. Your library may provide free access to software to learn a foreign language. Tap into your network of family, friends and neighbors to expose your child to different pursuits. Commit to teaching their kids about a skill you’ve mastered in exchange. It might be a bigger investment in time, but you can save a lot of money by creating your own means of developing your child’s interests. FROM THE SAVE MONEY FORUM Travel Tips, anyone have any to share? 8/13/19 @ 10:27 AM For those Who do not drive, what is the cheapest way to get around? 8/15/19 @ 9:55 PM M How to save when grocery shopping 8/15/19 @ 10:43 AM Acorns 8/14/19 @ 2:00 PM See more in Save Money or ask a money question 5. Talk to Your Kids About Making Sacrifices There may be times where you simply have to say no to your kid’s request to enroll in another extracurricular activity. If you don’t have the funds and you’d have to charge expenses on a credit card, you should reevaluate things. Parents never want to put financial stress on their kids, but it’s okay to be up-front about the limitations of your budget. This might mean having your kids choose one sport to commit to rather than two, or asking if they prefer dance lessons over vacationing at the beach next summer. If you have teenagers, get them to contribute to their extracurricular expenses with money from babysitting, mowing lawns or a part-time job. Depending on the activity, you can challenge your child to turn their hobby into an entrepreneurial pursuit — like selling handmade bracelets at local festivals or giving piano lessons to younger kids. Nicole Dow is a senior writer at The Penny Hoarder. She’s a parent who’s always looking for ways to save 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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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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Mrs. Meyer’s Liquid Hand Soap Refill, Basil (33 oz) only $4.89 shipped!

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Mrs. Meyer’s Liquid Hand Soap Refill, Basil (33 oz) only $4.89 shipped!
This post may contain affiliate links. Read my disclosure policy here. Love Mrs. Meyer’s products? This is a great stock up price on Mrs. Meyer’s Liquid Hand Soap! Amazon has this Mrs. Meyer’s Liquid Hand Soap Refill, Basil (33 oz) for only $4.89 shipped when you checkout through Subscribe & Save! Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. Thanks, Hip2Save! [...]
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*HOT* Up to 70% off Columbia Apparel & Shoes + Free Shipping!!

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*HOT* Up to 70% off Columbia Apparel & Shoes + Free Shipping!!
This post may contain affiliate links. Read my disclosure policy here. Wow! Love Columbia apparel? You do not want to miss these amazing deals! Columbia is offering up to 70% off apparel and shoes right now when you use the coupon code SAVE70 at checkout!! And shipping is FREE if you’re a Columbia Rewards Member (it’s free to sign up)! Here are some of the best deals available… Get this Women’s Western Ridge Half Zip for only $15.99 shipped (regularly $34.99)! Choose from three colors. Get these Men’s Silver Ridge Stretch Convertible Pants for just $19.99 shipped (regularly $70)! Get this Men’s Western Ridge Half Zip for just $23.99 shipped (regularly $75)! Choose from three colors. Get this Women’s OutDry Ex Blitz Rain Jacket for just $47.19 shipped (regularly $99)! Get these Women’s Redmond Mid Waterproof Hiking Shoes for just $47.92 shipped (regularly $100)! Get this Kids’ CSC Hoodie for just $15.92 shipped (regularly $50)! Get this Men’s Thistletown Ridge Polo for just $17.52 shipped (regularly $45)! Shop the entire Columbia sale here. Don’t forget to use code SAVE70 to get the best discount! And remember — shipping is FREE if you’re a Columbia Rewards Member (it’s free to sign up)! Valid through July 30, 2019. [...]
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Truman’s Non-Toxic Household Cleaners Starter Kit for just $7.50 shipped!

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Truman’s Non-Toxic Household Cleaners Starter Kit for just $7.50 shipped!
This post may contain affiliate links. Read my disclosure policy here. Interested in non-toxic household cleaning options? Check out this deal on Truman’s Household Cleaners!! Have you heard of Truman’s? It’s a relatively new subscription service that delivers non-toxic household cleaners to your doorstep! Each Truman’s delivery includes four different cleaners for your kitchen, floors, bathroom, and glass surfaces. (And the kitchen spray is also an all-purpose cleaner!) You receive the spray bottles and cleaners on your very first delivery and then cleaner refill cartridges on each subsequent delivery. Each delivery of cleaners should last you 6 months, but you can pause, skip, cancel, or change your subscription at any time. And right now you can get 50% off your first subscription with code SUMMER at checkout. Here’s how: Head over to this page. Click on “Get Your Starter Kit.” Choose the $15 option. When you choose this option, you’ll be signed up for automatic subscriptions but you can pause, skip, or cancel your subscription at any time after your first order ships out. Click through to checkout. On the page where you enter all of your information, look on the right side of the page where it says “Have a discount code? Enter it here.” Use code SUMMER to get 50% off! You’ll pay just $7.50 and shipping is FREE. If you love Truman’s cleaning products and want to continue with your subscription, you’ll be automatically charged at the regular price of $15 for your subsequent deliveries. (Note: The next delivery ships out after 45 days, so be sure to go in and change that since each delivery lasts for 6 months!) If you don’t want to continue after your first discounted starter kit, just go in and cancel before your next shipment. Super simple! This seems really cool! Have any of you tried it yet? I’d love to hear in the comments! Go here to get your Truman’s Starter Kit for $7.50! (Just use code SUMMER.) [...]
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Entrepreneur Magazine | Low Price!

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Entrepreneur Magazine | Low Price!
Great magazine for all you entrepreneurs! ENTREPRENEUR SUBSCRIPTION DISCOUNT Until 6/6/19, subscribe to Entrepreneur Magazine for only $4.95 per year (91% off)! You can order up to 4 years at this price! Just enter coupon code PENNYPINCH when you get to check out. If you already subscribe, you can extend your current subscription at this ... Read More about Entrepreneur Magazine | Low Price! The post Entrepreneur Magazine | Low Price! 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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This Week’s $70 Grocery Shopping Trip (I was under-budget!)

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This Week’s $70 Grocery Shopping Trip (I was under-budget!)
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 was out of town for two days this week at a blogging conference where I helped lead small group discussions in Instagram and also met with a number of different brands who are interested in working with me. So once again, I didn’t end up writing down what all we ate this week. I had to laugh at my frugal ways though, because I managed to only spend $0.53 on food while I was on the road (I used a small Starbucks gift card to buy a few things one of the days and it didn’t quite cover everything so I owed $0.53!) Some of our friends were out of town this week, so they offered us their share at a local farm since they wouldn’t be in town to pick it up. And they wouldn’t let us pay them for it! So we had roasted broccoli, cabbage and sausage, fresh strawberries, and lots of salads with fresh greens! And then I found some great deals at Kroger on Friday: Kroger Shopping Trip 5 boxes of Go-gurts — $0.99 each with Friday-Saturday deal 2 packages of Turkey Breast — on closeout for $2 each 5 packages of Danimals Smoothies — $0.99 each with Friday-Saturday deal 8 bags of frozen veggies — $1 each 1 bag of Chex Mix + 1 bag of Bugles — $0.99 when you buy 5 participating items, used $0.50/2 Kroger Digital coupon = $0.74 each 2 bottles of Aussie shampoo/conditioner — $1.99 each when you buy 5 participating items, used $2/2 Kroger Digital coupon = $0.99 each 1 Simply Popped Popcorn — $0.99 each when you buy 5 participating items 2 boxes of Earth’s Best French Toast Sticks — marked down to $0.79 each 3 bags of Simple Truth Dried Mango — marked down to $1.12 each 3 Kroger Greek Yogurt — marked down to $0.49 each 2 Kroger yogurt — marked down to $0.25 each Turkey Jerky — marked down to $0.99 each Parmesan Cheese — $2.19 10 1/2 pounds marked down bananas ($0.39/lb.) — $4.09 Simple Truth Eggs — $2.79, used $0.50/1 Kroger Digital coupon = $2.29 Half & Half — $1.79 3 pounds ground sirloin — marked down to $3.79 each Kroger milk — $2.99 Turkey Hill Tea — $1.34, used $0.75/1 Kroger Digital Coupon = $0.59 1 bag of peaches — marked down to $0.99 Total with tax: $67.68 Last week, I was a few dollars over-budget (intentionally), but I promised I would be under budget this week — and I was! Of course, we got our FREE Krispy Kreme donuts on Friday + Silas got free donuts for his A’s on his report card. (Note: They said that they have a limit of 6 free donuts per report card. Also, I’ve heard that some stores no longer offer this.) [...]
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Should You Consider Medi-Share for Health Insurance? Here’s Our Take

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Should You Consider Medi-Share for Health Insurance? Here’s Our Take
If you’ve heard ads for Medi-Share, you might be intrigued by its promises to cover your health care costs. Curious? We looked into the details to find out how Medi-Share works — and whether it’s a good option for you. Here’s our honest, unbiased review of the program. What is Medi-Share? Medi-Share is a health-care sharing ministry made up of members united by their faith. This program and similar medical-sharing ministries rely on their members to take care of one another through financial contributions, as well as prayer.  The details work much like typical health insurance. Like having a deductible, members choose an amount they’ll contribute as a household before they can submit bills to the community for payment assistance.  A monthly share payment works like a premium, ensuring your eligibility for assistance, should you need it. There’s no guarantee your medical expenses will be covered through Medi-Share, and there are plenty of exemptions to consider before you apply.  But if you’re particularly religious — and healthy — you may want to consider this alternative to traditional health insurance. How Much Does Medi-Share Cost? First, the up-front costs: It costs $50 to apply, and you’ll pay a $120 one-time member fee with your first monthly payment. You’ll pay another one-time fee of $2 to set up your “sharing account.”  As for your monthly payment options, Medi-Share’s system is sort of like choosing a health insurance deductible and monthly premium.  As an example, we calculated costs for a 30-year-old woman seeking membership for herself only. Share amounts change annually, based on the oldest member of the household. If she chose a $1,750 annual household portion — the amount of medical bills you have to pay completely before you’re eligible for sharing — her standard monthly share would be $311.  If she met certain health and fitness requirements, she could qualify for a Healthy Monthly Share, which would lower her cost to $277 per month.   When you need medical care and visit a Medi-Share provider, you pay $35 for doctor visits and hospitalizations, and $200 for emergency room visits.  You submit the rest of your bills to Private Healthcare Systems (PHCS) for payment consideration.  “We do not collect premiums, make promise of payment, or guarantee that your medical bills will be paid,” the Medi-Share website explains. “Sharing of medical bills is completely voluntary.”  Christian Care Ministry, which operates Medi-Share, is a 501(c)3, but your payments aren’t tax-deductible.  Do You Need to Be Religious to Use Medi-Share? Just as Medi-Share embraces the idea of a community of members supporting one another, it also believes in having a membership that embraces Christian lifestyles. The organization may even interview a church leader to verify your involvement before granting you membership. In addition to eschewing tobacco and illegal drug use, applicants “must only engage in sexual relations within a Biblical Christian Marriage.”  And as you might suspect, Medi-Share doesn’t cover abortions or treatment for sexually transmitted infections.  Medi-Share also assumes that if you’re willing to take care of your Christian community by sharing the burden of medical bills, you’ll do your best to take pretty good care of yourself. Some health conditions, like obesity, high cholesterol or diabetes, put applicants in the mandatory Health Partnership Program, which pairs you with a health coach and costs an extra $99 per month.  What If You Have an Ongoing Health Condition? While this might be an appealing option if you’re healthy, anyone who suffers from a chronic health issue is probably better off turning to an ACA health insurance program for coverage.  “The primary purpose of Medi-Share is to help share members’ burdens,” the program explains. “Burdens are those unexpected medical bills you are unable to plan for (ie. broken bones, cancer, etc). Low monthly share amounts enable you to budget for your family’s routine care, which can be planned.”  Prescription drugs can be eligible for cost-sharing, but only for up to six months for the lifetime of the member. Behavioral and mental health care are also ineligible for coverage. This includes psychiatric or psychological care, as well as “counseling or care for learning deficiencies or behavioral problems,” such as ADD or autism. But here’s the big catch: Routine health screenings aren’t eligible for cost-sharing either.  Well-patient care like annual physicals, pap smears and well-child checkups aren’t included. Dental and vision care aren’t eligible, either.  For instance, if your doctor recommends getting a colonoscopy because you’ve reached a certain age, you can’t submit the test for Medi-Share payment. If you have symptoms warranting the same test, the program might grant payment.  FROM THE SAVE MONEY FORUM do it yourself 7/19/19 @ 1:16 AM Summer Is Here: Is Your Electric Bill Affected by Running the AC? 7/17/19 @ 12:08 PM Do You Ever Pick up A Stray Penny? 2/7/19 @ 12:27 PM Do drive-in movie theaters save you money? 7/1/19 @ 3:38 PM See more in Save Money or ask a money question So, Is Medi-Share Legit? Here’s our conclusion: Medi-Share isn’t a scam.  It’s totally legal and there’s a strong membership base to support it and similar programs. But it’s likely not the most affordable health care option for most people. The ideal candidate for Medi-Share is in excellent health and also has a robust savings account to pay out of pocket for routine medical care. One risk: Medi-Share and other cost-sharing programs aren’t subject to regulation like typical ACA programs.  So while a typical health insurance benefits booklet might clearly explain what’s covered and guarantee coverage up to a certain amount or percentage, Medi-Share participants might not be able to figure out ahead of time which medical bills will be paid by the program. While Medi-Share probably isn’t the best financial choice for most people, it does at least serve as an option for anyone who doesn’t have access to a job-sponsored health insurance plan or who finds individual ACA coverage options prohibitively expensive. 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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My Completely Honest Review of The Ultimate Productivity Bundle

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My Completely Honest Review of The Ultimate Productivity Bundle
This post may contain affiliate links. Read my disclosure policy here. Wondering if The Ultimate Productivity Bundle is worth buying? Read my honest review below, and you can decide for yourself! If you are on other blogger’s email lists, there’s a good chance you’ve gotten some emails or seen some blog posts or social media posts yesterday and today about The Ultimate Productivity Bundle. I know a number of you have already purchased this bundle, but if you haven’t purchased The Ultimate Productivity Bundle yet this year, here are two things you need to know: 1) It is back again through midnight tonight for a Flash Sale! This is your last chance to grab it at this huge discount! 2) I went through every single resource in the bundle and went through it so I could give you my completely honest review. Yes, you read that right. I literally signed up for every.single.course and downloaded every ebook and printable. My poor computer put in a lot of work! While I didn’t read every word or listen to every single minute of video (that would have taken me a LONG time!), I went through and at least skimmed every single resource and decided to share my really honest thoughts… Here were my honest thoughts: The Negatives: Some of the products had an inflated price tag. This is a pet peeve of mine. Don’t put $29 on a product just to make it sound more impressive. While The Ultimately Productivity Bundle is supposedly valued at $1500, I’m going to be honest and say that I felt at least 25% of the products had an inflated price tag. And I likely wouldn’t use at least 60% of them, so for me, the value would be really and truly more like a few hundred dollars, not $1500. There weren’t as many products in it as I was expecting. I was surprised that there weren’t more like 60-70 products in it (there are only 46 products in it). I think I’m used to them having that many when it’s the Homemaking Bundle, so I thought the options weren’t as plentiful as I was hoping for. I wish there had been more ebooks. While courses are great, I often prefer ebooks because they are easier for me to read and digest — especially since I’m a fast reader and sometimes skim (Shh! Don’t tell anyone!). There are only 5 ebooks in this bundle and the rest of the products are printables or courses. Some of the printables were poorly designed. I know that we don’t always have the highest quality design on things we offer because of various reasons and I know sometimes you just do the best you can do, but I found that at least 30% of the printables were ones I would never consider using because they just looked like they were designed by someone who didn’t have a lot of design experience or it just was not my style at all. A few products felt very clunky to download. I noticed there were a number of .zip files as well as some courses that seemed to require multiple hoops to jump through to get them to download. It felt like it sort of flew in the face of productivity to have to go to quite a bit of effort to download a product in order to be able to use it. The Positives: There were a number of really helpful and well-designed printables. I was impressed with how many different styles of printables this bundle offered. If you love printables, you will just adore this bundle! So many great options to choose from! I loved that many of the resources were created by people who aren’t naturally organized. It seems like many times, productivity classes and courses and ebooks are created by naturally organized people. This was not the case with many of the products in this bundle — many of the creators said they were more of a Type B, laid back personality —  and that’s why I feel like it has much wider appeal. The bundle offered a variety of printable planners. If you are looking for a planner for yourself and you’re okay with printing it yourself, you’ve got a wealth of choices in this bundle! There were some really high quality products. There were some really high quality products in the bundle that I felt would make it worth the price tag ($37) if you would use these and they would help your life be more organized. Like I said, I went through each and every product to pick out the ones I felt were the highest quality and value and something I would personally use or that I thought would be really helpful to other people. Here were my top 4 favorites: Family Chore Planner: The Complete Home Management System for Families ($17 value) This PDF download not only offers some great tips for getting your kids to help around the house and suggested chore ideas for different ages, but you get customizable rotating chore chart systems for your family! Child, It’s Time to Get Off Your Butt ($7 value) This may have been one of my favorite resources in the bundle. It’s an inspirational ebook with very practical tips on how to get your kids to go from being couch potatoes to being assets in your home — without having some rigid system that was designed for Type A moms. There are lots of helpful charts and hands-on examples in the book, like this: If you’re frustrated that your kids aren’t more disciplined and diligent but you just don’t know where to start, you’ll find a lot of fantastic help in this short but highly actionable ebook. Brilliant Baby Steps: Productivity Course ($47 value) This course was one of the most beautiful and value-packed courses in the bundle and I couldn’t believe all you got for the price. It definitely was not one of the products that I felt had an inflated price tag. One of the best parts of it is where Beth Anne shows you just how much you can get done in 10 minutes. She’s not a Type A personality, so her advice will work for pretty much every personality type. How to Organize Your Life With Trello ($47 value) Okay, so full disclosure here: I am not a Trello person and I don’t think I ever will be. BUT, I do believe that it can be an amazing organizational system for many people and I wanted to highlight this course because it was so well done and helpful for those who are looking for a better way to organize their life and thoughts and projects. If you haven’t purchased The Ultimate Productivity Bundle yet, and you are still interested in purchasing after reading my honest review, you can click here to purchase it for just $37 through August 15, 2019! You’ll get access to these 4 products + 42 other resources including a number of printable planners and other time management and organizational and goal-setting resources! Go here to read more. Click here to purchase The Ultimate Productivity Bundle. Remember, this special flash sale price is only good through midnight tonight (August 15, 2019)! P.S. Have you purchased The Ultimate Productivity Bundle? If so, I’d love to hear your honest thoughts on it! [...]
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These States’ Tax-Free Holidays Mean Big Savings on Back-to-School Shopping

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These States’ Tax-Free Holidays Mean Big Savings on Back-to-School Shopping
Back-to-school shopping may be exciting for the kids who’ll get new gear, but less so for the parents who have to pay for it all. The National Retail Federation estimates the average household with kids in elementary through high school is expected to spend about $697 on new clothes, shoes, electronics and school supplies in 2019.  Some shoppers will be able to find a little financial relief this summer as 16 states hold tax-free holidays during July and August, saving consumers from paying sales tax on certain school-related items. Now, you may not save a ton of money by shopping during tax-free holidays. For example, if you bought $500 worth of clothes, shoes and school supplies during Florida’s tax-free weekend in a county where the sales tax is 6%, you would save only $30. But what parent wouldn’t want to save 30 bucks?   And if you use the tax-free holidays in conjunction with smart comparison shopping and deal-stacking, you’ll save even more on your back-to-school supplies.   Some states’ tax-free holidays are held over a weekend, while others are a week long. Each state has different criteria for what merchandise won’t be taxed, and many states require the purchases to be under a certain price threshold. Tax-Free Weekends: When, Where and What The states that have back-to-school tax-free weekends (or weeks) this year are Alabama, Arkansas, Connecticut, Florida, Iowa, Maryland, Massachusetts, Mississippi, Missouri, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas and Virginia. Alabama When: July 19-21 What is tax-free:  Clothing and shoes — $100 or less per item.  Books — $30 or less per item.  School supplies — $50 or less per item. Computers and related equipment — $750 or less per item.  Arkansas When: Aug. 3-4 What is tax-free: Clothing and shoes — less than $100 per item.  Clothing accessories — less than $50 per item. School supplies — no price threshold, but must be on a state-approved list. Connecticut When: Aug. 18-24 What is tax-free:  Clothing and shoes — less than $100 per item. Florida When: Aug. 2-6 What is tax-free:  Computers and certain electronics — $1,000 or less per item.  Clothing, accessories and shoes — $60 or less per item. School supplies — $15 or less per item. Iowa When: Aug. 2-3 What is tax-free:  Clothing and shoes — less than $100 per item. Maryland When: Aug. 11-17 What is tax-free:  Clothing and shoes — $100 or less per item. Bookbags/backpacks — the first $40 is tax-free. Massachusetts When: Aug. 17-18 What is tax-free:  Most consumer products — $2,500 or less per item. Clothing — Massachusetts does not charge any sales tax on clothes under $175 year round. Mississippi When: July 26-27 What is tax-free:  Clothing and shoes — less than $100 per item. Missouri When: Aug. 2-4 What is tax-free: Clothing and shoes — $100 or less per item. School supplies — $50 or less per purchase (exception: graphing calculators must be $150 or less). Computers and related equipment — $1,500 or less per item.  Computer software — $350 or less. FROM THE SAVE MONEY FORUM Summer Is Here: Is Your Electric Bill Affected by Running the AC? 7/17/19 @ 4:08 PM 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 See more in Save Money or ask a money question New Mexico When: Aug. 2-4 What is tax-free:  Clothing, accessories and shoes — less than $100 per item.  School supplies — less than $30 per item (exceptions: backpacks, maps and globes must be under $100 and calculators must be under $200). Computers — $1,000 or less per item.  Computer hardware — $500 or less per item. Ohio When: Aug. 2-4 What is tax-free:  Clothing and shoes — $75 or less per item. School supplies — $20 or less per item. School instructional materials — $20 or less per item. Oklahoma When: Aug. 2-4 What is tax-free:  Clothing and shoes — less than $100 per item.  South Carolina When: Aug. 2-4 What is tax-free: Clothing, accessories and shoes — no price threshold. School supplies — no price threshold. Computers and related equipment — no price threshold. Bedding, pillows, bath towels, wash cloths and shower curtains — no price threshold. Books and musical instruments — no price threshold (if they are for school assignments). Tennessee When: July 26-28 What is tax-free:  Clothing and shoes — $100 or less per item.  School supplies — $100 or less per item.  Computers — $1,500 or less per item. Texas When: Aug. 9-11 What is tax-free:  Clothing and shoes — less than $100 per item. School supplies — less than $100 per item. Virginia When: Aug. 2-4 What is tax-free:  Clothing and shoes — $100 or less per item. School supplies — $20 or less per item. 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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Great Deal!! Bridal Guide Magazine!

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Great Deal!!  Bridal Guide Magazine!
Are you planning a wedding?  You can order a subscription to Bridal Guide Magazine for just $4.99 right now!  You can order up to 3 years at this price!  At checkout, use the code PENNYPINCH and the price will drop! Bridal Guide is a magazine for the contemporary bride-to-be focusing on current trends in fashion, beauty, ... Read More about Great Deal!! Bridal Guide Magazine! The post Great Deal!! Bridal Guide Magazine! appeared first on Penny Pinchin' Mom. [...]
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Lufthansa En Route to Dynamic Award Pricing

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Lufthansa En Route to Dynamic Award Pricing
The way you spend travel rewards on airlines will be changing soon. Lufthansa, one of Europe’s largest air carriers, announced earlier this spring that it is looking into shifting its Miles & More rewards program to a dynamic pricing method. This means that the value of your rewards miles can change depending on a variety of... Curtis Sprung is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Lufthansa En Route to Dynamic Award Pricing originally appeared on NerdWallet. [...]
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If Your Credit Score Is Under 700, Make These 3 Moves This Week

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If Your Credit Score Is Under 700, Make These 3 Moves This Week
You work hard to be a responsible credit user.  You pay your bills on time; you try to use your credit card only when you have to; and you have a few different credit accounts, all in good standing. You even know what a credit utilization ratio is and why it matters. That’s some next-level credit card management! But no matter what you do, your credit score never budges over 700.  And you are so, so frustrated by the whole dang thing. We don’t blame you. It’s hard to feel like you’re doing everything you’re supposed to, only to have an algorithm spit out a seemingly inexplicable three-digit number that brands you as “lesser than” in the eyes of the world’s financial institutions — especially when that three-digit number controls so much of your life. But don’t give up! These three moves might be the kickstart you need to get your credit score moving in the right direction — and best of all, you can do them right this week. 1. Write a “Goodwill Letter” to Your Creditors If your credit history is generally pretty good, save for a couple of missteps, then a well-executed goodwill letter may be one way to get those slip-ups removed from your report.  You’ll want to cover the following bases when writing your goodwill letter: Explain why and how long you have been a loyal customer of the creditor. Take responsibility for the mistakes that led to the blemishes on your credit history. Describe the steps you are taking to ensure they don’t happen again. Appeal to your audience’s sense of empathy. Show that you want forgiveness but also that you are determined to do better going forward. Show them you deserve this! Keep your letter concise, clear and to the point. Don’t forget to include important information, like your account number and the date and amount of the missed payment you want removed from your credit history. Once you’ve written your goodwill letter, address it using the information on the creditor’s website, cross your fingers for good luck, and drop it in the mailbox.   2. Check Your Credit Report for Errors Credit reporting agencies generally do a pretty thorough job of collecting your credit history, but that doesn’t mean they are infallible. In fact, one out of five credit reports has an error, according to a study by the Federal Trade Commission. And those errors could mean the difference between a credit score in the 600s and one in the 700s. Jamie Cattanach saw this firsthand as a victim of identity theft. She pulled her credit report and saw her score had plummeted to just below 600 after someone opened an AT&T account using her information. She got to work disputing the errors, and after writing just one letter, she was on the road to rebuilding her credit. Within a few years, her credit score was well over 700. To keep a closer eye on your credit, get your credit score and a “credit report card” for free from Credit Sesame. It breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and how to address it. Because it simplifies everything, you should be able to spot any errors. For instance, if you find an “unpaid” credit card that you know you paid, or a bill in collections you know never existed, you can dispute the incorrect information and raise your credit score. The proof is in the numbers: 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.* 3. Consolidate Your Debt With a Better Loan So now you’ve appealed to the better angels of your creditor’s nature, and you’ve gone over your credit report with a fine-tooth comb and a magnifying glass in search of errors you can dispute. Now what? Your next step is to take your high-interest debt and consolidate it into a single loan with a lower interest rate. One payment per month is way easier to keep track of than three or four, right? That means fewer chances to be late on a payment, which means fewer opportunities for your credit score to take a hit. And best of all: The lower interest rate means you’ll be spending less money on your debt in the long run. Through Upgrade, you can borrow between $1,000 and $50,000, at interest rates of 7.99% to 35.89%, depending on your credit history. What if you’ve been turned down for a loan? Wouldn’t it be helpful to have access to advice on how to improve your credit to be approved next time? And wouldn’t it be nice to have free credit monitoring thrown into the deal? Those are some of the benefits of going with Upgrade, an online lending platform.  Upgrade will throw in free credit monitoring, alerts and educational features. If your loan application through Upgrade is denied, these credit tools will still guide you to improve your credit to help you get approved in the future. Now you’ve got three tactics you can use to get your credit score right where you want it. Good luck — you’ve got this! 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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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer

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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer
Do me a favor and take a quick look in your closet. Overflowing, right? Well, there’s a solution to that problem: selling your used clothes.  It’s a win-win, and you don’t have to wait for a spring-cleaning binge to get started. In fact, you should do it seasonally to stay in vogue.  So tear a page from the Marie Kondo playbook and make one big pile of all your clothes. Yes, even your winter gear from the living room closet. Definitely the swimsuit collection. And all the baby shower clothes that you never even used, too. You may surprise yourself with the amount of clothes you have once you get them all in one place. Kondo recommends that as you sift through your stuff, you ask yourself, “Does this item spark joy?” Nope? Then sell it.  Where to Sell Used Clothes Plenty of apps and websites like Poshmark, Threadflip, Etsy and eBay allow you to sell used clothes online. But maybe you don’t have the technical know-how (or the patience) to do it yourself. Don’t fret. There are several other brick-and-mortar places to pawn off your used clothes, shoes, handbags, accessories — even baby clothes, toys and supplies — to get cash in your pocket by the end of the day. Uptown Cheapskate Want to pop some tags? Uptown Cheapskate is your place. It’s located in 21 states and is a cross between a trendy boutique and a thrift store for young adults. You can sell or trade in men’s and women’s clothes at any of its locations. Trade-ins get 25% bonus store credit.  Brands that do well at Uptown Cheapskate include Urban Outfitters, Levi’s and H&M. If you’re unsure if your clothes will fit in style-wise, visit its website for more info on trending brands and styles. Buffalo Exchange Founded back in 1974, Buffalo Exchange has remained family owned as it has expanded to 18 states and the District of Columbia. The company is a firm believer in reusing and recycling clothes to reduce waste and pollution (and save cash). Each store also partners with local charities.  Pro Tip If you don’t live near a Buffalo Exchange, the company also has a sell-by-mail program. Buffalo Exchange accepts a wide array of clothes for both men and women — vintage, athletic wear, plus sizes and more. Contrary to its name, it does not accept bison at this time. Sorry in advance. Clothes Mentor Clothes Mentor is a one-stop shop for fashionable women’s clothing sized 0 to 26 and maternity wear. It’s a hub for those who want designer brands without designer price tags. Clothes that sell well include Armani, Banana Republic, Saks Fifth Avenue, White House Black Market and others. Shoes, accessories, jewelry and handbags are also accepted. Clothes Mentor has 136 stores across 30 states and, at certain locations, offers personal shoppers who tailor outfits to suit your tastes. Plato’s Closet Ah, the ole standby, Plato’s Closet. You may not have known this was a clothing exchange store, but it’s likely that you’ve caught a glimpse of one of its more than 480 locations in North America — probably tucked between your local Chinese buffet and the grocery store. Plato’s is Winmark Corp.’s most successful clothing exchange franchise, and it’s aimed at teens and young adults. Everyday styles from Abercrombie & Fitch, American Eagle, H&M, Nike and Obey are typically in demand.  FROM THE MAKE MONEY FORUM Extra Income 4/10/19 @ 11:01 AM B This mom needs work! 8/12/19 @ 9:14 AM L Anyone have experience doing an Air B N B? 8/11/19 @ 8:16 AM Passive Income 8/9/19 @ 9:07 AM See more in Make Money or ask a money question Plato’s Closet also buys athletic wear, shoes and accessories.  To see if your wardrobe surplus is a good fit for Plato’s, browse its website for other brands and styles that sell well. Style Encore Another solid option from Winmark Corp. is Style Encore. It’s like Plato’s sibling, only slightly older and more sophisticated. Style Encore accepts women’s clothing from brands like Banana Republic, Calvin Klein, Coach and Kate Spade. Like Clothes Mentor, Style Encore has personal stylists to help you look like a million bucks (without spending a million). It’s Winmark’s newest clothing exchange brand, so locations aren’t as comprehensive as Plato’s. Double-check the store locator to find the closest one to you. Once Upon a Child Last but not least in Winmark’s clothing resale portfolio is Once Upon a Child.  It’s no surprise that child care expenses are a budget buster, but this store can help keep costs down when it comes to baby clothes, supplies and even furniture.  In addition to children’s clothes sized preemie to youth 20, Once Upon a Child will buy used cribs, cradles, strollers, baby electronics, halloween costumes and toys. Even more good news for parents: You won’t have to look very far. Once Upon a Child has more than 380 stores across the U.S. and Canada. Local Consignment Shops If none of the above stores fit the bill, you can always try your nearest consignment shop.  These shops work a little differently than clothing exchanges, because consignment stores may not pay you until your item sells. That means it’s unlikely you’ll walk out with a pocketful of cash. It’s also difficult to predict what brands they will buy, because most local stores don’t have databases and metrics to go off of. Sales are often based on personal taste or season. But hey, anything is better than leaving unused clothes tucked away in the furthest corner of your shelf for years to come.  How to Get the Most Cash From Your Clothes Some things are guesswork when trying to sell your clothes. Stock and styles change, so it’s hard to say for sure which brand or outfit will sell. However, there are a few things you should always take into consideration, no matter the item or the store.  Following these few guidelines will ensure you get the best quote possible. Clean and Fold Your Clothes If it seems like I’m wagging my finger, it’s because I’m wagging my finger. Almost every store listed above recommends washing your clothes before taking them in. Since your payout is based on an associate’s quote after they carefully check each item, you don’t want dirt or food caked to your shirt. It’ll definitely go in the “no” pile. Pro Tip In general, to keep colors bright, you can soak your clothes in salt. Only wash them as needed — inside out and in cool water to avoid fading. Likewise, super wrinkly clothes come across as unwashed, and you don’t want to give that impression. So be sure to fold them neatly before taking them in. Use a Nice Basket or Hamper to Carry Your Clothes Quick! What do you think of when you see trash bags? Trash, right? Not clothes.  Presentation matters. The associates checking your clothes don’t want to sift through trash bags. So after you’ve washed all the clothes you want to sell, fold them and place them in a basket, hamper or box that you can take to the store.  Check for Damage or Pit Stains If you were a shopper, would you buy a shirt that had pit stains or a missing pocket? Didn’t think so. The stores work the same way. They don’t want damaged, stained or heavily faded clothing. Before you take your clothes in, examine [...]
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Here’s a Less Expensive Alternative to the Beach for Summer

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Here’s a Less Expensive Alternative to the Beach for Summer
Here in Florida, we’ve got more than a few options for quick, inexpensive trips to waterfront destinations (seriously — you’re almost never more than an hour or two from a beach). But while we love a good beach trip, the real hidden gems of Florida are the natural springs that dot the landscape from the panhandle down through the center of the state. If you’re headed to Florida, consider putting the springs — any springs — on your “must-see” list. If you’re not headed to Florida anytime soon, there’s probably a great water feature (a lake, a river or even a natural spring) near you that would make for a fun, inexpensive weekend getaway. Not convinced? Last year, three of us Penny Hoarders took an overnight trip to a natural spring located near Gainesville, Florida — about a two-hour drive north from The Penny Hoarder offices in St. Petersburg. The grand total? $137.57. Split three ways, that means we each got to take an exciting (and we even managed to make it relaxing!) overnight adventure for just $45. Want to take a waterfront (or, well, maybe water-adjacent) vacation of your own on the cheap this summer? Here’s exactly how we did it. How We Prepared Our plan: A 36(ish)-hour road trip to Gilchrist Blue Springs State Park (which was only turned into a state park in 2017 — for the better part of a century, it was privately owned and passed down through a family before being sold to the state). On a Wednesday morning, two of my coworkers and I packed a red SUV with a cooler, two tents, three sleeping bags, two day’s worth of food, a few flashlights, a camp stove and various camping and cooking supplies. Between the three of us, we already had the tents, sleeping bags, cooking supplies, cooler and flashlights. We borrowed the camping stove from a friend and picked up a small tank of propane for it (a 2-pack for $6.24 at Walmart). Additionally, we bought a can of bug spray and a citronella candle to keep the infamous Florida mosquitoes at bay ($5.89 and $5.29 at Target, respectively). We also bought food for the four meals we’d be eating on our trip, but we’ll come back to that. Total so far: $17.42 How We Got There Road trip! With its mild weather, flat, seemingly unending landscapes and straight-shot interstates, Florida makes road trips an easy decision. We were driving from St. Petersburg, Florida, to Gilchrist Blue Springs State Park, located just north of Gainesville — a 168-mile drive. We budgeted $60 for gas, and while the round trip itself only cost us about $47, we did quite a bit of driving around town while we were there, so our estimate was pretty accurate. If you’re renting a car to take a day trip to break up a Disney World vacation or are traveling from out of state, your transportation costs might be higher. But that’s all the more reason to find a natural hot or cold spring, lake or river in your state that would allow for a quick day or overnight trip from your own home. Total so far: $77.42 Where We Stayed After checking out the park’s onsite campground, a couple of motels in the area and a few listings on Airbnb, we opted for an Airbnb campground facility. Affectionately dubbed Bowman’s Landing, the sprawling 12.5-acre wooded property on the banks of the Santa Fe consists of a main house, several standalone “tiny” cabins and a handful of primitive tent camping sites, one of which has a six-person tent already set up for those who don’t own one or want to buy one on their way in. We chose the primitive tent camping sites and paid $15 per person per night for a total of $45, but we were able to use two tent sites. A night in one of the five rustic mini cabins (these sleep between two and five people — the layouts vary) will cost you between $55 and $62, depending on which you choose. A night in the main house will run you $135, but it sleeps eight people — so if you’re splitting the cost with a group, it’s not a bad option at $16.88 per head. The overnight campsite rental also comes with access to kayaks and canoes for puttering around the riverfront, free firewood for your campfire and the option to pay an additional $15 per person for a personal river cruise and tour. We opted for the Airbnb listing for the chance to see a bit more of the Santa Fe river and surrounding areas, but we could have stayed onsite at Gilchrist Blue Springs for just $18 total for a tent or RV camping spot (which accommodates up to eight people and at least a couple of tents). Total so far: $122.42 What We Ate We ate as cheaply as we could, and ended up spending just $15 on food for the entire trip. We each ate breakfast before leaving home in the morning, so we needed food for lunch and dinner, and then breakfast and lunch the next day. We picked up a loaf of bread ($2.39), a jar of peanut butter and a jar of jelly ($2.29 and $2.09), a box of pasta and a jar of sauce (99 cents and $1.89) and protein muffins (homemade, but we estimated $2.50 to make). We also stopped for coffee at a gas station before our morning swim, which added $3 to our total. All in all, we paid about $15.15 for food for three people eating four meals. Total so far: $137.57 What We Did There are a surprising amount of fun things to do at and around Gilchrist Blue Springs — and around most Florida springs parks — despite their often remote locations. It costs $6 per vehicle or $2 per person (pedestrians and cyclists) to enter Gilchrist Blue Springs State Park with a day pass — a pretty significant difference from the $10 a head the park charged when it was privately owned. (The park attendant on duty when we arrived early that morning gave us free entry — otherwise, our final trip total would have come out to $143.57.) Once you’re inside the gates, how you spend your day is (largely, anyways) up to you! There’s a rental station inside the park (other springs parks have similar services) that offers inner tube, canoe, kayak and stand-up paddleboard rentals, as well as the option to purchase a mask and snorkel. Pricing varies from $45 for an all-day canoe rental to $7 for an all-day inner tube rental, while a mask and snorkel set will cost you $20. You’re also welcome to bring your own boogie board, inner tube (you can purchase inner tubes and other pool floats at most dollar stores) and mask-and-snorkel sets. You can bring your own canoe, kayak or stand-up paddle board, too, but if you want to catch the shuttle up or down river, you’ll still have to pay the shuttle fee. We opted to stick to masks and snorkels (which we brought with us), so we could take in everything below the surface and explore freely without worrying about keeping track of a tube or boat. In the main pool, a diving platform situated over the spring head lends itself to hours (and hours) of fun, with a constant line of people waiting their turn to jump off it into the chilly water below. FROM THE SAVE MONEY FORUM SAVING MONEY ON A FIXED INCOME 6/7/19 @ 9:31 AM Savings tips I implemented while traveling 5/30/19 @ 10:57 AM Over Couponing 4/15/19 @ 12:43 PM B Saving on Hair Salon services 5/28/19 @ 12:54 AM See more in Save Money or ask a money question Gilchrist Blue Springs State Park also has a network of h [...]
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5 Places to Get Free or Cheap Chicken Wings on Monday

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5 Places to Get Free or Cheap Chicken Wings on Monday
National Chicken Wing Day is right around the corner — Monday, July 29. And several restaurants will be serving up free or cheap wings to celebrate. Buffalo, New York, Mayor Stan Makowski declared the first National Chicken Wing Day on July 29, 1977, and people have been partaking of the bird on that date ever since. Following are a few restaurants where you can get a deal on wings on Monday. [...]
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Credit Freezes: A Powerful (and Free) Way to Fight Identity Theft

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Credit Freezes: A Powerful (and Free) Way to Fight Identity Theft
Another day, another massive data breach.  Equifax, Capital One, Marriott … the list seems endless.  And as more of our personal information is digitized, the risk of it ending up in the wrong hands rises, leaving us increasingly vulnerable to identity theft and trashed credit. But while the scope of these data breaches can seem overwhelming (1.1 billion identities were exposed in 2016 alone), the reality is that you are not powerless. You can defend yourself, and you don’t have to go off the grid and hide out in a bunker in New Zealand. One of the most powerful ways to defend yourself is a credit freeze. Setting it up is simple, and best of all, it’s free. What’s a Credit Freeze? Credit Sesame defines a credit freeze as “a process which locks down your credit file and prevents identity thieves and cyber criminals from opening credit in your name.” Basically, access to your credit file is inaccessible to everyone except you.  Creditors, such as banks and credit card companies, ask to see credit report before opening new accounts. Since they won’t be able to see your credit history, they won’t be able to extend you a line of credit. Makes sense, right? And no, it won’t negatively affect your credit score. When Should You Freeze Your Credit? Many people freeze their credit after their identities have been stolen, which is fine. However, you’re basically in a race against the criminal. Who can get to your credit report first? Steven Weisman, a Bentley University professor and author of the fraud and identity theft blog Scamicide, suggests freezing your credit now — and always. He thinks of the tool as a “preventative medicine.” “This is the single best thing someone can do to protect themselves from being a victim of identity theft,” he says. “Even if your Social Security number was in the hands of an identity thief, you’d still be protected.” If you’d rather not put your credit on perma-freeze, then you should also consider it under the following circumstances: You’ve been the victim of a data breach. (At this point, that’s nearly all of us.) You believe you may have become a victim of identity theft. You want to protect your child’s credit. Once your credit is frozen, you will still have access to your credit report, as will current creditors and debt collectors.  Employers — both current and potential — have limited access to your credit report, as do some government agencies.  What Does a Credit Freeze Cost? Credit freezes now cost nothing, thanks to the Economic Growth, Regulatory Relief and Consumer Protection Act, which became effective in September 2018. Prior to the law’s passage, credit freezes used to cost between $5 and $15 to set up, with a second charge to unlock the freeze.  (Victims of fraud were typically exempt from paying these costs.) This is the single best thing someone can do to protect themselves from being a victim of identity theft. The law also allows you to unfreeze and refreeze your credit at any time, at no cost. How to Freeze Your Credit It will take a bit of legwork on your part. You’ll need to request a credit freeze from each of the three main credit bureaus: Equifax, Experian and TransUnion. Each bureau has a slightly different process.  1. Contact the Three Major Credit Bureaus Have information like your Social Security number, birth date and most recent addresses on hand when you make your request. You can freeze your credit by mail, by phone or online. How to Freeze Your Credit With Equifax Online: https://www.equifax.com/personal/credit-report-services/ Phone: 800-685-1111 Mail: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348 How to Freeze Your Credit With Experian Online: https://www.experian.com/freeze/center.html Phone: 888‑397‑3742 Mail: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013 How to Freeze Your Credit With TransUnion Online: https://www.transunion.com/credit-freeze Phone: 888-909-8872 Mail: TransUnion LLC, P.O. Box 2000, Chester, PA 19016 Note: All three credit bureaus say requesting a credit freeze by mail is the slowest method, and so if time is of the essence, you should consider requesting the freeze over the phone or online. If you do opt to request a credit freeze by mail, make sure to include your full name, date of birth, Social Security number, last two addresses, a clear copy of a government-issued identification card and a clear copy of a utility bill, bank statement or other form of proof of address. 2. Receive Your PIN and Keep It Safe The credit bureaus will set you up with a PIN, which will allow you to manage your credit freeze. Once you receive this number, make sure you keep it in a safe place where you can always find it. You will need to use it if you ever need to unfreeze — or “thaw” — your credit, like if you decide to apply for a mortgage or open a new credit card. 3. Manage Your Credit Freeze Your credit freeze should be active one business day after you make the request online or by phone. (The time frame for mail requests is three days.) You can manage it by logging into the bureau’s site using the credentials you established when you requested the credit freeze. If you want to make any changes via phone or mail, you’ll need to have that PIN on hand. How to Unfreeze Your Credit The time may come when you will need to unfreeze your credit — say, to apply for a credit card or shop for a loan. To do so, go to the credit bureau’s website and use the credentials you set up to request the thaw.  The freeze should be lifted within an hour, as required by federal law. (If you choose to request your credit thaw by mail, your wait time will be considerably longer — at least three business days from the receipt of the request.)  You can also request to have the freeze lifted temporarily, which is especially helpful if you are looking to rent an apartment or applying for a job, and then want to go back into lockdown. Pro Tip If you know which credit bureau your future landlord, creditor or employer will be contacting, you can save yourself some time by requesting the freeze be lifted for only that credit bureau. Pros and Cons of Credit Freezes The pros of having your credit frozen are pretty straightforward: It prevents anyone from opening new accounts in your name. It won’t affect your credit score. Best of all, it’s free. However, there are some possible pain points you should consider before requesting a credit freeze: Requesting and managing credit freezes through three credit bureaus can be a pain. You’ll need to lift the freeze if you want to apply for a new credit product. It doesn’t protect your existing accounts. FROM THE CREDIT FORUM REBUILDING CREDIT AFTER BANKRUPTCY 3/24/19 @ 1:56 PM savings account 8/5/19 @ 1:35 PM C Were you affected by the Equifax Data Breach? 7/31/19 @ 4:42 AM Effective Methods to Get The Best Credit Rating 6/27/19 @ 1:01 PM See more in Credit or ask a money question What Else Can You Do to Protect Your Credit? As we said earlier, a credit freeze can be an incredibly powerful and effective tool to protect your identity and your credit, but you shouldn’t allow it to lull you into a false sense of secur [...]
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Health Industry Outlook 2019

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Health Industry Outlook 2019
The post Health Industry Outlook 2019 appeared first on ONEtoONE Corporate Finance. [...]
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Pottery Barn Backpacks as low as $14.99 shipped, plus more!

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Pottery Barn Backpacks as low as $14.99 shipped, plus more!
This post may contain affiliate links. Read my disclosure policy here. Need to buy a new backpack? You can score some great deals on Pottery Barn Backpacks and Lunch Boxes right now! Right now, Pottery Barn has some great deals on backpacks and lunch boxes! Plus, you can get an extra 25% off select bags plus free shipping when you use the promo code BIGDEAL at checkout! Please note that this code only works on select backpacks and lunch boxes. Look for the discount listed below the name of the bag to find the qualifying bags. Backpacks – as low as $19.99 (regularly $69.50) Use promo code BIGDEAL (25% off + free shipping) $14.99 shipped after promo code Lunch Bags – as low as $7 (regularly $24.50) Use promo code BIGDEAL (25% off + free shipping) $5.25 shipped after promo code Valid for a limited time only. 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. Thanks, Hip2Save! [...]
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Consider a Mortgage Refinance, Even If You Bought Recently

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Consider a Mortgage Refinance, Even If You Bought Recently
Mortgage rates have fallen so much lately that millions of homeowners might benefit by refinancing — even if they bought a home just last year. A typical refinancer could save more than $150 a month. Some homeowners have gotten the message: Refinance applications have almost doubled compared to a year ago, according to the Mortgage... Holden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. The article Consider a Mortgage Refinance, Even If You Bought Recently originally appeared on NerdWallet. [...]
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Afternoon Deals: Saturday, August 3

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Afternoon Deals: Saturday, August 3
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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Download FREE Sample Pages of Alpha Omega’s LIFEPAC Curriculum + Enter to Win a Full Course!

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Download FREE Sample Pages of Alpha Omega’s LIFEPAC Curriculum + Enter to Win a Full Course!
Interested in homeschooling? Don’t miss these FREE sample pages of Alpha Omega’s LIFEPAC student-paced curriculum! (Note: This post and giveaway are sponsored by Alpha Omega Publications. Read our disclosure policy here.) Did you know that Alpha Omega Publications offers print curriculum in addition to their popular Monarch online curriculum? AOP’s print curriculum, LIFEPAC, was actually their very first curriculum and it’s been a trusted curriculum among homeschoolers for over 40 years! The LIFEPAC curriculum offers more than 60 beautifully designed courses for children in grades kindergarten all the way up to 12th grade. LIFEPAC is really unique because the full year of curriculum is broken up into 10 worktexts — which are portable, easy-to-use sections that combine textbook lessons with workbook exercises. This allows kids to learn at their own pace, build confidence gradually and consistently, and gain a sense of accomplishment every 3 to 4 weeks as each worktext is completed. The LIFEPAC curriculum comes in a variety of subjects: Bible, History & Geography, Language Arts, Math, Science, and Electives. (And there are tons of choices for Electives, including Health, Literature, Geology, Computer, Astronomy, Spanish, and so many more!) Plus, each LIFEPAC comes with removable self-tests for each unit, a final test to ensure mastery, a teacher’s guide, answer keys, and practical tips for teaching your children. Get FREE Sample Pages of LIFEPAC Curriculum! Interested in trying LIFEPAC homeschooling products? You can go here to download FREE sample pages of the LIFEPAC curriculum! Just fill out the short form and the samples pages will be emailed to you. Win a LIFEPAC Course! Want to try LIFEPAC for your kids? I have great news! Alpha Omega Publications is running a giveaway for one LIFEPAC course in any subject of your choice! The giveaway ends on August 14, 2019. Go here to enter the giveaway for your chance to win! [...]
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7 Secret Perks of Individual Retirement Accounts

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7 Secret Perks of Individual Retirement Accounts
There are all sorts of places you can save money for retirement if you don’t have a 401(k) or other workplace retirement plan: savings accounts, brokerage accounts, money under your mattress. However, few can compare with an individual retirement account. IRAs share some key features — such as tax advantages and the ability to invest your savings — with certain other types of... [...]
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2019 Goals: July Update

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2019 Goals: July Update
Did you set goals for 2019? Here’s an update on how I did on my 2019 goals in June. It’s August 5, 2019. And it’s time to check in on our goals! How are you doing on the goals you set for 2019? I spent some time today reviewing July and reflecting on the blessings of the past month and the lessons I learned. I also looked at my goals and how I was doing in each area. (If you missed My Goals for 2019 post, read it here.) In order to keep myself accountable (and because I know some of you really enjoy these posts) I’m sharing a goals update post at the beginning of each month. I hope that this will not only motivate me to be focused and intentional this year, but I hope it might also inspire you in the goals you set for 2019. So here’s my goals update for July 2019: Personal Goals 1. Read 40 books I already own. (I’m using GoodReads to track my reading this year!) Update: I finished 6 books in July — and three of them were from my list of books I already own and wanted to read this year. Look for a Book Update in the next week! 2. Slowly read through the New Testament using the She Reads Truth Bible reading plans. Update: I finished 1 & 2 Thessalonians, 1 & 2 Timothy, Titus, Philemon, Hebrews, and James 3. Listen to 2 audiobooks per month. (I use the Libby app to get these for free.) Update: I finished to 3 audiobooks in July. 4. Complete all of the Organize in 5 Diary tasks to get our home more organized and set up better organizational systems. (Psst! Did you get yours? It’s just $9 right now.) Update: I have been keeping up with this. (You can see two posts I did on some of my organizing projects in January and February: Cleaning Out the Cookbooks & Organizing My Purse & Bathroom.) 5. Stay offline for 4 hours per day, 5 days per week. (I share more about why I chose this goal here.) Update: I did a pretty good job of this in July. 6. Leave my phone in the basement every night. (I talk more about what inspired me to make this goal here.) Update: So, honesty here: Ever since I took email off my phone at the beginning of May, I haven’t really felt such a need to not have my phone by my bed and I’ve sort of slipped out of this habit. But I want to get back to it and hope to start this in August. 7. Go to bed before 10:30 p.m. 5 days per week. (I’m using this little spreadsheet I made to track most of my personal goals) Update: I did a much better job of this in July — yay! Marriage Goal 8. Go on an overnight trip with Jesse without the kids. Update: We went on an incredibly fun trip to Destin, FL! Jesse and I drove by ourselves to FL and then we met up with two other couples there. We stayed in an AirBNB and split the cost three ways. Since it was off season, it made for a very inexpensive trip and we had the BEST time! Motherhood Goal 9. One-on-one time with each child at least 3 times per week. (I am planning to dedicate 40 minutes per child after dinner each evening at least three nights per week to hang out and spend time with each child individually.) Update: I did a pretty good job of this in July. Family Goal 10. Take the kids to at least two continents and 4 states we haven’t traveled to. (We’re hoping to travel to Europe in the summer and South America at some other point during the year.) Update: We went to Iceland (Europe) in June and also to Minnesota, Wisconsin, Iowa, Utah, Wyoming, Montana, and Idaho. I’m not sure if we’re going to be able to cross another continent off our list this year… I’m still hoping to find a really good deal on flights/travel, but we’ll see. Financial Goals 11. Pay cash to redo our room and renovate our bathroom (we have to pull out the shower and put in a new one because it was installed incorrectly and is leaking and ruining the floor/wall and we want to do a few renovations while we’re at it + we want to finally decorate our room — we left it really bare when we moved in and decided to wait to prioritize it in the budget). Update: We finished the bathroom renovation at the end of July! We still need to work on our room. 12. Pay cash to paint the walls in the main floor of our home. 13. Fully fund our Emergency Fund. Update: This is DONE! YAY! Business Goals 14. Redo/set up a much more intentional customer acquisition experience for all three of our email newsletters. Update: We’ve been hard at work behind the scenes working on this and made some good progress in July. 15. Finish launching the rest of our beginner Your Blogging University courses. (If you want to start a blog, be sure to check out my other site, Your Blogging Mentor.) Update: I’m working on my next course, Monetize Your Blog, and it’s going to be a bigger/more comprehensive course than I’ve ever done but I’m continuing to make good progress. (Some of the bloggers from my Mastermind group got together for a one day event in July! It was such an amazing day!) 16. Launch a Blog Coaching/Accountability Group membership. (I’ll be opening this up to a very limited number of people in January of 2019. Stay tuned!) Update: We opened this up to new members in April and I’m just loving leading this! Interested in being the first to find out when we open up to new members again? Be sure to join the waitlist! How are YOU doing on your goals for 2019? I’d love to hear about your successes and struggles. Tell us in the comments! [...]
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Citi Double Cash to Allow Conversions to ThankYou Points

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Citi Double Cash to Allow Conversions to ThankYou Points
The popular Citi® Double Cash Card – 18 month BT offer, an excellent cash-back credit card, will soon allow its rewards to be transferred to Citi’s ThankYou points rewards program, according to messages starting to appear in customer accounts. Learn More Citi officials would not provide details on the new option, but the account message reads:... Gregory Karp is a writer at NerdWallet. Email: gkarp@nerdwallet.com. Twitter: @spendingsmart. The article Citi Double Cash to Allow Conversions to ThankYou Points originally appeared on NerdWallet. [...]
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A Peek Into Our Week (+ Sprouts & Kroger Shopping Trips)

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A Peek Into Our Week (+ Sprouts & Kroger Shopping Trips)
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. Well, it was another week of travel and adventures — so I didn’t track what we ate in order to share in a post. But I did make it to Kroger twice and Sprouts once and got some great deals. I thought it would be fun to share a little peek into our week + what I bought at the grocery store. For Father’s Day, Jesse wanted to try out this new brunch restaurant in town. It was delicious and we had fun celebrating this man we love so much! We also ran by Kroger and Sprouts to pick up some deals. Sprouts was having their weekend deals and I didn’t want to miss them. Sprouts Shopping Trip Sweet corn — 6 for $1 (weekend deal) 3 dozen cage free eggs — $1.88 per dozen (weekend deal) 1 Coconut Bliss “ice cream” — used free coupon (I got the Peanut Butter Chocolate and it is good!) — I forgot to take this out of the freezer to put in the photo! Total with tax: $7.49 I also wanted to get to grab a few of the Kroger Buy 5, Get $5 off deals on Sunday since I knew I was going to be out of town for the next few days. I especially wanted to get 5 boxes of the $0.99 Quaker Granola bars. Kroger Shopping Trip #1 5 boxes of Quaker Granola Bars — $0.99 each when you buy 5 participating items 2 bags Jef Puffed Marshmallows — marked down to $0.69 each (I’m going to stick these in the freezer for rice krispy treats.) 3 packages of Hillshire Sausage — $1.88 each with weekend deal Private Selection Barbecue Sauce — used free coupon (no longer available) 1 bag Kroger Pot Roast — marked down to $5.49 5 bags of produce — marked down to $0.99 per bag 2 packages of ground turkey — marked down to $2.69 each Izzio Multigrain Bread — marked down to $1.29 Spinach — marked down to $1.79 5 packages of Goldfish — $0.99 each when you buy 5 participating items Kroger Private Selection ice cream (not pictured — I forgot to take it out of the freezer for the picture!) — used free coupon (no longer available) Milk — $2.69 Kroger oatmeal — $1.59, used $0.40/1 coupon Kroger mailed to me = $1.09 Total with tax: $42.12 I left on Monday morning to fly to Dallas for my mom to have surgery. My Time in Kansas I rode back to Wichita, KS with my parents on Monday evening after my mom’s surgery and I stayed with them through Wednesday evening. I got to hang out with my mom and help take care of her during the day while my dad went to work. In addition to getting to spend lots of time talking with her, I helped a little with my brother’s eBay business (my Mom and sister are running the business for him while he’s away serving as a counselor at the Wild’s camp in NC), and make yummy food for my mom and me (she’s the one who first inspired me to love salads so much!) Kaitlynn’s Birthday I flew back to TN on Wednesday night — just in time to celebrate Kaitlynn’s birthday on Thursday! Can you believe she is 12? I wrote a letter to her here that shares some of my thoughts on her life and the joy and spark she brings to us. I always take each child out on a birthday date of their choosing. Kaitlynn chose to go to a place that makes rolled ice cream and Bubble Milk Tea. It was my first time to have both of them and we had such a fun outing together! Our Trip to Iceland As many of you know, it’s our family goal to visit all 7 continents and 50 states by the time Kathrynne turns 18. We had planned to visit Europe this summer but prices to places like London and Rome are crazy during June and July. However, I found some cheap tickets to Iceland and jumped on them! So we packed up on Friday morning to head to Iceland… but not before hitting the Friday-Saturday Kroger deals (I couldn’t pass up $0.99 cheese!) Kroger Shopping Trip #2 4 bags of Kettle chips, 1 bag of Snyder’s pretzel’s — $0.99 each with Friday-Saturday deals 5 packages of Kroger cheese — $0.99 each with Friday-Saturday deals 5 bottles of Pace salsa — $0.99 each with Friday-Saturday deals 1 package bacon — $2.99 with Friday-Saturday deals Total with tax: $18.96 Grocery Totals: $68.75 Cashback Earned: 375 points back from Fetch, $0.06 from CoinOut, Want to follow along with our Iceland trip and get tips for how we are doing it on a budget? Be sure to follow my stories on Instagram this week! [...]
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Melissa & Doug Let’s Play House Pretend Play Set only $21.99 shipped!

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Melissa & Doug Let’s Play House Pretend Play Set only $21.99 shipped!
This post may contain affiliate links. Read my disclosure policy here. This Melissa & Doug Let’s Play House Pretend Play Set would make such a fun gift idea! Amazon has this Melissa & Doug Let’s Play House! Dust! Sweep! Mop! Pretend Play 6-Piece Set for only $21.99 shipped when you clip the $5 off e-coupon! This is a great price for this set that includes a broom, mop, duster, dustpan, hand brush and stand to keep them all neat and organized. 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, Hip2Save! [...]
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Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants

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Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants
Sometimes the most lucrative sign-up bonuses aren’t available online. We spotted this sign-up bonus for the Southwest Rapid Rewards® Priority Credit Card in the wild world of in-flight reading materials. • Offer: Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open. • Seen: June 15, 2019,... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants originally appeared on NerdWallet. [...]
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Everything You Need to Know to Become an Airbnb Host in D.C.

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Everything You Need to Know to Become an Airbnb Host in D.C.
Have you thought about becoming an Airbnb host in D.C.? In a city that’s so expensive, home sharing can be a great way to supplement your income. Thousands of Airbnb hosts list places in the District, according to data from the home sharing platform. “Part of what makes Airbnb so successful for me is the city,” says Snyta Keeling, a 43-year-old Airbnb Superhost. “D.C. is great for home sharing because there’s something going on at every time of year.” Between the cherry blossoms in the spring, the Fourth of July in the summer and the elections in the fall — which draw businesspeople, students, lobbyists, sports fans and activists — there’s certainly a demand for space. How to Create the Best Airbnb Listing in D.C. The first step to becoming an Airbnb host is to list your place. The process itself is simple, but you’ll want to exercise tact, so your space stands out from others. We’ll walk you through the process, plus share some pro tips from Keeling, a federal government employee and attorney who hosts guests in her three-bedroom townhome in Southeast D.C. She quickly rose to Superhost status when she started hosting back in 2015. Answer Some Quick Questions About Your Space/Amenities In this first part of setting up your listing, you’ll answer some basic questions about your space, which could be anything from an apartment, an extra bedroom or house to a campsite, yurt or RV, depending on your local laws. Basic questions in this section include the number of guests your space can accommodate and the included amenities. Pro Tip If you don’t have an entire place, list your spare room. That’s what Keeling, a D.C. Superhost, does. At first she was worried guests would be uninterested, but she’s found they love the hospitality. Set the Scene With Photos Keeling compared Airbnb listings to dating profiles — and she’s so right. If you come across someone who’s posted a bathroom selfie with the flash on, you’ll probably move along — even if they do rescue puppies and own a private jet. The same idea goes for Airbnb; photos are everything. The platform offers some basic photo tips, which include utilizing natural light, avoiding flash and shooting in landscape mode from the corners of rooms, so you add perspective. In addition to internal photos, Keeling emphasizes the importance of external photos as well. “It’s important to do external photos, so you guide a person through how they’ll approach the home and what the surrounding community looks like,” she says. “If you live close to a metro stop, you’ll want to have a picture of that, for example.” Think about what makes your space and your location appealing, and illustrate those elements through photos. In addition to metro stops, you might also include photos of the nearby neighborhood, any tourist attractions (ahem, the National Mall), or even a photo of the closest grocery or convenience store. Write a Description Once you hook people with your photos, continue to lead them through your listing with the description. Here, you’ll be able to highlight what makes your space unique. If you’re not sure where to start, take a look at other Airbnb listings in your area to see what other hosts highlight. Keeling has a few tips you can follow when crafting your description: Manage expectations. “You know the idea of putting your best foot forward?” Keeling asks. “No! What you do is put the blemishes out there, so your guests will have set expectations.” Turn negatives into positives. Keeling’s townhome is located in a residential area on the easternmost point of D.C. That means it’s not central; you have to take a metro to get to the closest grocery store, which could be a downside for some guests. However, in her listing, she emphasizes the perks of free parking, which is difficult to come by in D.C. It’s also a quiet retreat after you’ve spent the day in crowds. Add an element of surprise to your space that you don’t mention in your listing. For example, Keeling has a high-end Tuft and Needle mattress with nice pillows. Because she doesn’t mention it in the listing, guests are surprised and are more likely to rave After you host several guests, you’ll get to know your audience, so you can lean into that. For example, Keeling quickly realized she’s not attracting club-goers and partiers; she gets guests who are looking to get away from the bustle of the city and value their sleep. Name Your Listing This might seem like a small task, but naming your listing is just as important as nailing your photos. Airbnb urges hosts to create a title that highlights what’s unique about the space. For Keeling, one of the most appealing aspects of her listing is the free parking — a rarity in D.C. Her space is also green; it’s decked out with solar panels, rain barrels, vegetable gardens and composts. This is a unique draw, so she emphasizes it in her listing title. It also attracts like-minded guests, which is important when you’re sharing your space. Set House Rules Airbnb has a set list of rules you can opt into if you’d like them included in your listing. A few of these include: suitable for pets, smoking allowed, and events or parties allowed. You also have the option to write in additional rules. “Don’t go crazy with the rules, but come up with some core rules that are important for you,” Keeling says. Keeling, for example, maintains a shoeless house. That’s partially cultural, but it also just makes the space easier to clean. She also emphasizes no smoking of any kind, and no eating in the bedrooms. Set up Your Calendar Taking time to set up your calendar is important, because if you cancel on your guests, Airbnb will charge you a penalty fee. A few questions you’ll answer include: How often do you want to have guests? How much notice do you need before a guest arrives? When can guests check in? How far in advance can guests book? How long can guests stay? Pro Tip When starting out, Keeling suggests limiting guests’ length of stay to a couple of nights. That way you can get guests in and out and start racking up reviews, which will build your ratings. Keeling allows for at least one day between bookings, so she can have time to reset the spaces, and she doesn’t let guests book more than three months in advance, in case something comes up. You’ll be able to adjust these settings as you go, so you can find out what works best for you. Price Your Space Airbnb has a Smart Pricing tool, which you can opt into to automatically adjust the price of your listing according to demand. For example, when the demand during the Cherry Blossom Festival or Fourth of July spikes, Airbnb will likely increase the price of your listing automatically. You can set price minimums and maximums, so your listing won’t dip below a certain amount or spike to something unrealistic. Although Airbnb will suggest these amounts when you’re signing up, Keeling urges new hosts to do their own research. Here are a few tips to help you determine these numbers: Consider your expenses, i.e. utilities, cleaning and any maintenance requirements. Be realistic. “People tend to have an inflated view of their place,” Keeling notes. Search other Airbnb listings in your area and price just below those. When you’re starting out, you’ll want to price your place lower, so you can get guests in, accumulate reviews and work your way to that Superhost status, which will help increase bookings in the long run. Note Your Local Laws You’re almost done setting up your listing! Now Airbnb will remind you to familiarize yourself with your local laws. In December 2018, the D.C. Council passed a set of regulations that would limit some kinds of short term rentals. Check with the District if you have questions about current laws or when (and if) the pending regulations will come into force. Also Consider… In addition to hosting laws, you’ll al [...]
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Mother’s Day and 529 college savings plans

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Mother’s Day and 529 college savings plans
Time to read: 2 min Sunday, May 12 is Mother’s Day, providing an opportunity for those everywhere to celebrate the special mothers in their lives. And when I say mothers, I do not mean just yours — I mean any wonderful woman in your world who is a mother. Someone who nurtures, provides and loves without hesitation or qualification. This could be your sister, daughter, best friend or even a cousin twice removed.   As you celebrate Mother’s Day, consider honoring these special moms in a way that will leave a lasting legacy. By contributing to a 529 plan for their children, you celebrate motherhood while helping build a future for the recipients. You can even put your contribution in mom’s name to celebrate all she’s done for her kids. Costs continue to rise According to the most recent figures, the cost of higher education is heading in only one direction — higher. The most recent data from The College Board reports the cost of room and board, fees and tuition as exceeding $21,000 for the 2018-2019 academic year for in-state, public institutions and $48,000 for private universities.1 When you consider the burden that student loans place on young graduates, a 529 contribution could be the perfect Mother’s Day gift because every dollar saved is one less to be borrowed. 529 savings plans are tax-advantaged, meaning that contributions are after-tax, earnings grow tax-deferred and qualified distributions are tax-free. 529 plans can be used to pay for qualified educational expenses such as tuition, room and board, books, equipment and school supplies at any eligible institution. In some states, 529 plans can be used to cover up to $10,000 per year of public, private or religious elementary or secondary school tuition.  A 529 plan can be opened for anyone with a valid Social Security number. There are no account minimums to get started and no income limits to contribute. Honor the moms in your life So this Mother’s Day, consider giving the gift of college savings. It honors the special mothers in your life while providing their children with a gift that lasts a lifetime. Interested in learning more about 529 plans? Visit CollegeBound529.com to explore helpful resources and tools to plan your own education savings strategy. Before you invest, consider whether your (or the beneficiary’s) home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s qualified tuition program. For more information about CollegeBound 529, contact your financial advisor, call 877-615-4116, or visit http://www.collegebound529.com/ to obtain a Program Description, which includes investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing. Invesco Distributors, Inc. is the distributor of CollegeBound 529. 1 Source: The College Board, Trends in College Pricing 2018 Earnings on non-qualified withdrawals may be subject to federal income tax and a 10% federal penalty tax, as well as state and local income taxes. Tax and other benefits are contingent on meeting other requirements and certain withdrawals are subject to federal, state, and local taxes. For beneficiary changes to occur without federal or state income tax consequences, the new beneficiary must be a family member of the current beneficiary. Important information Blog header image: monkeybusinessimages/iStockphoto.com Thomas Rowley Director, Retirement and Education Strategies Thomas Rowley is director of retirement and education strategies and one of Invesco’s most frequently requested speakers. He provides analysis of the evolving retirement landscape and develops actionable strategies to help investors and financial advisors maximize their retirement-planning opportunities. Mr. Rowley regularly shares his insights online at invesco.com/us in addition to his speaking engagements. Mr. Rowley’s insights reflect more than 20 years of experience in the investment industry. He translates his comprehensive knowledge of retirement planning into lively, clear explanations of the complexities of legislative, investing, tax and social issues. Mr. Rowley shares his analyses of retirement-related issues through regular personal appearances, continuing education webinars and Web-based commentaries. [...]
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SEC Requests Public Comment on Improving Private Security Offering Exemptions

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SEC Requests Public Comment on Improving Private Security Offering Exemptions
On June 18, the Securities and Exchange Commission requested public comment on ways to simply harmonize and improve the private securities offering exemptions from registration under the Securities Act of 1933. In its concept release, the SEC indicated that it “believe[s] our capital markets would benefit from a comprehensive review of the design and scope of our framework for offerings that are exempt from registration” in order to develop a “framework to promote capital formation and expand investment opportunities.” The concept release identifies a number of topics to be addressed, including evaluating the overall framework and coverage of the private securities offering exemptions, adjusting the limitations on who should be permitted to invest in particular exempt offerings and in what amounts, facilitating issuer transition from one offering to another, expanding the role of pooled investment vehicles, including increasing the exposure of retail investors to early-stage companies through pooled investment funds, and updating secondary trading rules with respect to securities that were offered in an exempt offering. The public comment period for the concept release will remain open for 90 days following publication of the release in the Federal Register. The SEC press release and fact sheet is available here. The SEC concept release is available here. [...]
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Architectural Digest Magazine Discount

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Architectural Digest Magazine Discount
Grab this great deal on Architectural Digest magazine for only $5.95 per year (90% off)! You can order up to 3 years at this price!  You will also receive a digital download of each issue! Add this magazine to your shopping cart and then enter the coupon code pennypinch and you will see the price drop!  This deal ... Read More about Architectural Digest Magazine Discount The post Architectural Digest Magazine Discount appeared first on Penny Pinchin' Mom. [...]
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Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand

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Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand
This would be a great gift idea to grab now and use later for your kiddos. You can order the Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand for only $20.69. You will be saving 31% on this purchase it is usually $29.99. Be sure that you grab this deal soon because ... Read More about Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand The post Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand 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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12 Reusable Products That Will Save You Money Over and Over

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12 Reusable Products That Will Save You Money Over and Over
Dean Drobot / Shutterstock.com Sometimes, shopping trips can feel like deja vu. Are we really out of dish soap already? Where did all the paper towels disappear to, anyway? Here’s a shopping secret: More and more products now come in reusable versions. Buy once, and you’re set for months or years. Not only is it better for your budget to buy reusable items, but you&#8217. [...]
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8 First-Time Home Buyer Loans and Programs

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8 First-Time Home Buyer Loans and Programs
Buying a home is so hard, they should make it an Olympic event. It’s not just the paperwork; it’s the terminology, the fees and the number of people involved. It’s natural to want to agree to whatever, sign everything and just get through the process as fast as you can. While that may make you... Hal M. Bundrick, CFP is a writer at NerdWallet. Email: hal@nerdwallet.com. Twitter: @halmbundrick. The article 8 First-Time Home Buyer Loans and Programs originally appeared on NerdWallet. [...]
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Crayola Colored Pencils (120 count) only $15.37!

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Crayola Colored Pencils (120 count) only $15.37!
This post may contain affiliate links. Read my disclosure policy here. These Crayola Colored Pencils are perfect for coloring! Amazon has these Crayola Colored Pencils, 120 count for only $15.37 right now! This is the lowest price on record! A great gift idea! 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, ChaChingOnAShoestring! [...]
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Office Depot/Office Max Back to School Deals for the week of July 21-27, 2019

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Office Depot/Office Max Back to School Deals for the week of July 21-27, 2019
The Back to School deals have started! Check out these amazing deals Office Depot/Office Max is offering this week. Here are the back to school deals at Office Depot/Office Max for the week of July 21-27, 2019: Office Depot JustBasics Spiral Notebook – $0.10 Office Depot Composition Books – $0.50 Office Depot 3 x 5 Index Cards, 100 ct – $0.50 Office Depot 2-Hole Manual Pencil Sharpener – $0.50 Pencil Boxes – $1.50 Westcott Printed & Jelly Scissors – $2 Sharpie Highlighters 4 pk – $2.99 Pencil Accesory Value Pack 110 ct – $4 Paper Mate Flair Porous-Point Pens 12-pack – $9.99 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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*HOT* Adidas Men’s Running Shoes only $24.50 shipped (Reg. $70), plus more!

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*HOT* Adidas Men’s Running Shoes only $24.50 shipped (Reg. $70), plus more!
This post may contain affiliate links. Read my disclosure policy here. Adidas is offering some HOT deals on shoes right now that you don’t want to miss! Right now, Adidas is having an End of Season Sale where you can save up to 50% off select shoes and apparel! Plus, you can save an extra 30% off when you use the promo code SAVE30 at checkout! Shipping is free. Here are some HOT deals you can score… Adidas Men’s Lite Racer Running Shoes – $35 (regularly $70) Use promo code SAVE30 (30% off) Shipping is free $24.50 shipped after promo code Adidas Men’s Questar TND Running Shoes – $45 (regularly $90) Use promo code SAVE30 (30% off) Shipping is free $31.50 shipped after promo code Adidas Men’s Duramo Slides – $10 (regularly $20) Use promo code SAVE30 (30% off) Shipping is free $7 shipped after promo code Shop the Adidas sale here. Valid through July 15, 2019. Thanks, Hip2Save! [...]
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Old Navy: Kids Uniform Polos only $3.40, plus more!

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Old Navy: Kids Uniform Polos only $3.40, plus more!
This post may contain affiliate links. Read my disclosure policy here. Still needing some school clothes? Old Navy has kids uniform polos for only $3.40! Right now, Old Navy is offering up to 60% off kids back to school clothes! Plus, today only, you can get an extra 15% off your order when you use the promo code EXTRA at checkout! Here are some deals you can score… Get Boys or Girls Uniform Polos for just $3.40 after the promo code! Get Boys Jeans for just $6.80 after the promo code! Get Girls Jeans for just $6.80 after the promo code! Choose free in-store pickup to avoid shipping costs. Valid today only, August 21, 2019. Thanks, The Krazy Coupon Lady! [...]
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Tax Lien: What It Is, How It Works and How to Stop One

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Tax Lien: What It Is, How It Works and How to Stop One
Tax liens (and their cousins, tax levies) are serious business if you owe back taxes. Here’s how they can affect you, as well as some tips for what to do to remove a tax lien. What is a tax lien? A tax lien is a claim the government makes on your property, including real estate and... Tina Orem is a writer at NerdWallet. Email: torem@nerdwallet.com. The article Tax Lien: What It Is, How It Works and How to Stop One originally appeared on NerdWallet. [...]
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EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) only $5.80!

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EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) only $5.80!
This post may contain affiliate links. Read my disclosure policy here. Grab a set of these EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip for this great price! Amazon has these EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) for only $5.80 right now! This is a great deal on these markers! 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. Looking for more Back to School Amazon deals? Paper Mate Pink Pearl Erasers, Large, 12 Count for just $4.29 Ticonderoga Pencils, 96-count for just $9.96 Thermos Funtainer 10 Ounce Food Jar in Teal for only $9.03 EXPO Low Odor Dry Erase Markers, Chisel Tip (16 count) for only $10.94 Learning Resources Calendar & Weather Pocket Chart for only $17.63 BIC Xtra Smooth Mechanical Pencils (40 count) for only $6.63 Skip Hop Zoo Kids Unicorn Insulated Lunch Box for just $8.88 Westcott School Left and Right Handed Kids Scissors (12 pack) for only $9.98 when you clip the $2.50 off e-coupon! Elmer’s All Purpose School Glue Sticks, Washable, 60 Pack for just $14.87 Crayola Washable Gel Pens, 14 count for only $7.94 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. Thanks, Passionate Penny Pincher! [...]
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Car and Driver Magazine Subscription Discount

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Car and Driver Magazine Subscription Discount
Know a car enthusiast?  Get a subscription to Car and Driver Magazine at a super low price! CAR AND DRIVER SUBSCRIPTION DISCOUNT Now through 6/25/19 (11:59 pm EST), you can save 89% on your Car and Driver Magazine subscription!  Enter the coupon code PENNYPINCH at checkout and drop the price to just $4.95 an issue ... Read More about Car and Driver Magazine Subscription Discount The post Car and Driver Magazine Subscription Discount appeared first on Penny Pinchin' Mom. [...]
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Back-to-School Shopping: Kids Influenced by Social Media Push Parents to Overspend

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Back-to-School Shopping: Kids Influenced by Social Media Push Parents to Overspend
Kids pushing their parents for the coolest in back-to-school gear is a late-summer tradition, and today, youngsters have some backup: social media influencers. Peer and social media influences on children are not news unto themselves, but it turns out these factors are affecting how parents spend their back-to-school dollars, according to a new NerdWallet survey... Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. The article Back-to-School Shopping: Kids Influenced by Social Media Push Parents to Overspend originally appeared on NerdWallet. [...]
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Live in Seattle? See How Much Money Your Home Could Earn For You This Summer

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Live in Seattle? See How Much Money Your Home Could Earn For You This Summer
Look. We get it. Your home is your sanctuary. Your place to be alone. Some days, you don’t even want to have your own family over — let alone people you don’t know. So, the idea of listing your place on Airbnb is daunting for a lot of folks. But if you’re willing to give it a shot, you could make some serious extra income. You can share a spare room — or list your entire place if you’re headed out of town. Yep. You’d basically be making money for going on vacation. Hollis Giammatteo, a writer and Airbnb Superhost in Seattle, has been listing her downstairs guest suite since 2015. She says it’s a great way to earn extra money — and to capitalize on living in a city that’s so popular with tourists. Seattle has come a long way from the slow-moving port and manufacturing town Giammatteo remembers it being when she first moved there in 1979. Today, it’s known for its big businesses and major tourist attractions — something she says works in her favor as an Airbnb host. With Pike Place Market, the Space Needle and professional sports galore, there’s always a demand for space. In fact, Seattle is a top summer travel destination, and there’s a shortage of hosts. If you’re starting to come around on the idea of becoming an Airbnb host, see how much money you could make by listing your place. How Much Could Your Place in Seattle Fetch? First things first: list your property on the Airbnb website. You’ll want to create a listing that stands out from others so potential guests will take notice. You can adjust or change your information and settings at any time, so you’re not committed to anything permanently. Yep. You’re not locked in. Try hosting and see if you like it — if you’re curious, it’s worth a shot. Use Airbnb’s price calculator to see how much money you could make in your area. We’ll walk you through the process with some insider tips from Giammatteo. How to Create the Best Airbnb Listing in Seattle The first step to becoming an Airbnb host is to check your local laws and prepare your space for guests. (We’ll get into that later.) We’ll show you everything you need to know to make your place stand out from others, with some added insight from Giammatteo. Answer Some Quick Questions About Your Space/Amenities To set up your listing, you’ll start by answering some basic questions, such as how many guests your space can accommodate and what amenities are included. It’s fine if you don’t have an entire house or apartment available for guests. You can rent out one floor or even just a room. Giammatteo has made her downstairs area available as a guest suite, which gives people the feeling of having a one-bedroom apartment to themselves. Set the Scene with Photos Put yourself in your guests’ shoes. What would you want to see in the photos of an Airbnb listing? The platform offers some basic photo tips, which include utilizing natural light, avoiding flash and shooting in landscape mode from the corners of rooms, so you add perspective. Of course, you’ll want to include pictures of the bedrooms, kitchen and backyard. But Giammatteo knows from experience that guests also like photos of items that may seem like small details but can actually be game changers. “Guests typically want to know about such amenities as washer/dryer, ironing board, Wi-Fi, parking,” she says. Think about the details that make your home inviting. Maybe you own a nice ironing board guests can use, or you boast both a drip coffee maker and a Keurig. Capture those amenities. People might not take the time to read about them, so providing pictures could capture guests’ attention. Write a Description Now that you’ve provided stellar images for potential guests, it’s time to describe your place. You’ll want to highlight what makes it unique. Do a little market research by browsing Superhosts’ listings in your area to see how they describe their places. (They’re Superhosts for a reason, right? Their descriptions draw guests to their homes!) Giammatteo’s main advice? “Never be too wordy.” She has a point — this is the internet, after all. People like to skim. In fact, in Giammatteo’s listing, her description is a mere two sentences. She explains how guests can relax and rejuvenate in various parts of the spacious suite. She’s obviously pinpointed her audience: people who want to take it easy on vacation. Another big tip? “Be as honest as possible about the glories, and limitations, of your space,” Giammatteo says. “Don’t oversell, and don’t omit.” If the master bedroom has a window with a great view of the Space Needle, let potential guests know. On the other hand, if sound carries throughout the house, give readers a heads up. You don’t want a negative experience to surprise them, resulting in a bad review. Giammatteo’s home was built in 1948, so there are lots of squeaks and creaks. She lets guests know ahead of time that they will hear her when she walks around upstairs. Name Your Listing “Like choosing a color for your new car, naming your space is a tortuous journey,” Giammatteo says. She’s right — naming your Airbnb listing might seem like a shallow detail. But it matters. When guests scroll through places to stay on Airbnb, the first details they see are the pictures and name of your property. The title should provide an accurate description of the space, catch people’s eye and draw them in. Giammatteo recommends combining information about both your listing’s location and atmosphere. Her accommodation is listed as “Secluded Spa Retreat with Woodland Garden Deck in Queen Anne.” “Our space was designed to be a sanctuary, really — to envelop guests in the comfort of high-quality materials, plentiful lighting and a spa/luxury bathroom,” says Giammatteo. Think about what type of traveller would enjoy your home. (You might better pick up on this once you have your first few guests.) Is it set in a quiet part of town where people won’t be disturbed? Is it in the middle of everything, perfect for thrill-seekers? Giammatteo also made sure to include Queen Anne in the name, because the neighborhood is walking distance from downtown and a prime spot for festivals and trendy shops. Think about what your home’s location offers guests. Is it close to a lot of high-end restaurants? Does it provide a view of Mount Rainier? Is it near a Light Link Rail stop or the Seattle Art Museum? Let your guests know. Set House Rules Airbnb has a set list of rules you can opt into if you’d like them included in your listing. A few of these include: suitable for pets, no smoking allowed, and no events or parties allowed. You also have the option to write in additional rules. Giammatteo sets pretty standard rules for her guests, such as banning smoking and requiring people clean up after their pets. Like many Seattleites, she takes recycling seriously, so she requires guests to read and follow her recycling instructions. Set Up Your Calendar You’ll arrange a calendar of when guests can stay at your listing. This step is important, because Airbnb will charge you a fee if you cancel after guests have booked time at your home. Here are some questions you’ll answer: How often do you want to have guests? How much notice do you need before a guest arrives? How far in advance can guests book? What time can guests check in? How long can guests stay? You can change your calendar settings down the road, so you aren’t married to the dates and times you set now. Price Your Space Airbnb has a Smart Pricing tool. If you choose to use this, Airbnb will automatically adjust your pricing based on demand. For example, if the system notices that a lot of music lovers are booking Seattle spots for Bumbershoot or tourists are flocking to town in August in attempts to avoid the rain, it will likely increase the price of your listing at these times. You can set a price minimum and maximum so your h [...]
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Chase Launches Marriott Bonvoy Bold With No Annual Fee

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Chase Launches Marriott Bonvoy Bold With No Annual Fee
If you’re loyal to the Marriott Bonvoy brand but aren’t interested in paying an annual fee, you’ve got a new option now. The Marriott Bonvoy Bold, issued by Chase, is open to applications as of June 11, 2019. It offers fewer perks than its pricier counterpart, the Marriott Bonvoy Boundless™ Credit Card. But unlike that card,... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article Chase Launches Marriott Bonvoy Bold With No Annual Fee originally appeared on NerdWallet. [...]
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Allowance Not Going Well? 3 Ways to Turn Your Kid Allowance System Around

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Allowance Not Going Well? 3 Ways to Turn Your Kid Allowance System Around
Are you one of the thousands of households that started an allowance at some point in the last few years and it just kind of…fizzled out?   You’re not alone. Many parents have told me that they started an allowance that, just like Downton Abbey, ended for one reason or another. Sometimes they don’t even ... Read More about Allowance Not Going Well? 3 Ways to Turn Your Kid Allowance System Around The post Allowance Not Going Well? 3 Ways to Turn Your Kid Allowance System Around appeared first on Penny Pinchin' Mom. [...]
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21 Things You Should Always Buy at a Dollar Store

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21 Things You Should Always Buy at a Dollar Store
Diego Cervo / Shutterstock.com Dollar stores lure us in with rock-bottom prices. Sometimes you get what you pay for, but often the things they sell are good products at a tremendous discount — a real bargain. Here’s what bargain-shopping experts say are among the best buys at dollar stores. [...]
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Travel for Only $1: How to Score the Cheapest Fares on BoltBus and Megabus

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Travel for Only $1: How to Score the Cheapest Fares on BoltBus and Megabus
If you live in a major city, you’ve likely heard of BoltBus and Megabus, as well as their rock-bottom $1 bus tickets.  Both companies make money by charging more for premium schedules, meaning you can score a deal on seats they are trying to fill during off-peak times. How to Get $1 Bus Tickets But how do you get your hands on one of those blink-and-you’ll-miss-them bargain fares? Follow these tips to grab the lowest-priced tickets.  1. Pick Your Route Before you start saving, make sure these carriers take you where you want to go. Megabus offers stops in 34 U.S. states. It also offers a route between Toronto and Montreal in Canada.  BoltBus has routes along the East Coast and West Coast. On the East Coast, it stops in Connecticut, Maryland, Massachusetts, New Jersey, New York, Philadelphia and Washington, D.C.  Its West Coast routes include stops in Oregon, Washington and Vancouver, British Columbia. 2. Book Your Ticket as Early as Possible To get the best chance at the cheapest fares, book your seats as far in advance as possible. If you can book months in advance, you’ll have a better shot at snagging a $1 ticket than if you wait until a few days before your trip. Each scheduled trip will offer at least one $1 fare, according to the BoltBus FAQ. This unicorn of a deal is “generally within the first handful of seats sold. The earlier you book your ticket, the greater your odds are of grabbing a seat for a buck.” Pro Tip If you're not sure exactly when you'd like to travel, sometimes it makes sense to get a deeply discounted ticket just in case — and if you don’t wind up traveling, you’re only out a buck. Be at the front of the line for Megabus, too. The company only gives $1 fares to “the first or initial customers that purchase a ticket for that trip,” according to its terms and conditions As seats fill up, prices increase. Even if you don’t get a $1 fare, booking early can help you snag a $5 seat, which is still a steal. 3. Time Your Trip Right Since routes offer only a few $1 fares, you’re more likely to score a cheap ticket if you can be flexible with your travel dates. Skip Friday and Sunday travel, as well as holidays and busy weekend times, to get the best deal.  The popularity of the route also goes into the pricing equation, as Megabus notes in its terms. While these routes still might only have a single $1 fare, less-popular trips may well have other low-priced tickets. FROM THE SAVE MONEY FORUM 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 SAVING MONEY ON A FIXED INCOME 6/7/19 @ 1:31 PM See more in Save Money or ask a money question 4. Look for Special Offers  From time to time, both companies run special offers and promotions. Following them on social media is a great way to stay on top of these deals and jump on newly announced trips.  You can also search for promo codes online on sites like RetailMeNot and WanderU, a bus and train travel site.  5. Sign Up for Bolt Rewards BoltBus offers a frequent rider program called Bolt Rewards.  The deal is very simple: Travel eight times on BoltBus trips that you pay more than $1 for and your ninth one-way fare is free. It doesn’t matter how long the routes are — just travel eight times and your ninth ride is on them. Kristen Pope is a freelance writer and editor in Jackson Hole, Wyoming. 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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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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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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Afternoon Deals: Wednesday, July 17

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Afternoon Deals: Wednesday, July 17
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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NFA Amends Swaps Supervision Requirements and Makes Technical Changes to NFA Rules and Interpretive Notices

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NFA Amends Swaps Supervision Requirements and Makes Technical Changes to NFA Rules and Interpretive Notices
On June 12, the National Futures Association (NFA) amended several of its rules and interpretive notices to incorporate expressly supervision requirements for NFA members’ swaps activities. NFA Compliance Rule 2-9(a), as amended, will apply specifically to futures commission merchant (FCM), introducing brokers (IB), commodity pool operator (CPO) and commodity trading advisor (CTA) members. New NFA Compliance Rule 2-9(d) will require swap dealer (SD) members to diligently supervise the swaps activities of their employees and agents. Finally, as part of the overhaul to the supervision requirements, the NFA adopted a new interpretive notice titled, NFA Compliance Rule 2-9(d): Supervision Requirements for Swap Dealer and Major Swap Participant Members. The amendments and interpretive notice will become effective September 30. A complete copy of the March 8 submission letter detailing the amendments is available here. [...]
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*HOT* Get 65% off Adidas Shoes + Free Shipping {Last Chance!!}

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*HOT* Get 65% off Adidas Shoes + Free Shipping {Last Chance!!}
This post may contain affiliate links. Read my disclosure policy here. If you haven’t had a chance to check out these HOT deals on Adidas shoes, be sure to do so today! This sale ends tonight. This HOT promo code ends tonight!! Right now, Adidas is having an End of Season Sale where you can save up to 50% off select shoes and apparel! Shipping and returns are FREE. Plus, through July 5th, if you’re an Adidas Creators Club member (free to join!), you can save an extra 30% off when you use the promo code SAVE30 at checkout! (Note: You MUST be logged in to get this code to work for you.) Here are some deals ideas… Men’s Cloudfoam Racer TR Shoes – $38 (regularly $75) Use promo code SAVE30 (30% off) Shipping is FREE $26.60 shipped after promo code Adidas Women’s Quesa Running Shoes – $38 (regularly $75) Use promo code SAVE30 (30% off) Shipping is FREE $26.60 shipped after promo code Adidas Men’s Lite Racer Shoes – $35 (regularly $70) Use promo code SAVE30 (30% off) Shipping is FREE $24.50 shipped after promo code Adidas Kids Seeley Shoes – $28 (regularly $55) Use promo code SAVE30 (30% off) Shipping is FREE $19.60 shipped after promo code Kids Lite Racer CLN Shoes in cloud white and grey – $25 (regularly $50) Use promo code SAVE30 (30% off) Shipping is FREE $17.50 shipped after promo code Women’s Purebounce+ Street Shoes in white and grey – $40 (regularly $80) Use promo code SAVE30 (30% off) Shipping is FREE $28 shipped after promo code Shop the Adidas sale here. Valid through the end of today, July 5, 2019. Thanks, Hip2Save! [...]
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Here’s How to Pay Off Student Loans 5 Years Faster Without Getting a Second Job

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Here’s How to Pay Off Student Loans 5 Years Faster Without Getting a Second Job
Let’s be honest with ourselves. We’re so ready to fire off an angry Tweet at Netflix every time our bill goes up a buck. So why is that so many of us won’t take a mere seven minutes right now to chop thousands of dollars off our student loans. Here’s the thing: You’ve probably had the same student loan company since you had acne and were eating ramen in the dorm room. And we get it. It’s easy to just let these things slide. But chances are, your student loan company is overcharging you. And something as simple as switching loan companies could help you shave hundreds of dollars off your monthly payments. The best way to find a better deal is to use Credible. It’s sort of like Kayak — but for student loans. It looks at your options from up to eight companies to make sure you have a loan that will give you the lowest monthly payment and the fastest payoff time. If you’re even a little curious, it only takes two minutes to see if Credible can help you pay off your student loans faster. Chances are, you’re going to find a better deal than what you originally signed up for. And that could mean saving as much as $350 a month — and paying your loans off five years faster. How She Shaved $350/Month From Her Student Loan Payments Sarah Ann Stanley, a 32-year-old product manager in Minnesota, was forking over $500 a month in student loan payments. Plus, she was paying close to 8% interest on multiple loans. Then, about two years ago, she looked into other options and decided to refinance — or replace her multiple loans with a single new one. Her interest rate was now 6.22%. Yes, that’s less than a 2% difference, but it shaved $350 a month from her monthly bills. Oh, and now she only had to manage one bill — not several. “I didn’t want to be 45 and still paying student loans,” Stanley says. “Now that won’t happen.” After a second refinance, Stanley is now able to pay off her loans five years ahead of schedule and save even more on interest. “Because so much of our money goes to this, it’s worth pushing the envelope and fighting for yourself and finding a better deal,” she says. Luckily, Credible makes it easy to fight for yourself — and who doesn’t want to get out of student loan debt a few years sooner? 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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Don’t Want to Owe Taxes After You Die? Avoid These 17 States

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Don’t Want to Owe Taxes After You Die? Avoid These 17 States
Have you gotten to retirement with a fat nest egg? Congratulations! All those years of toil and saving have paid off. If you are exceedingly fortunate and plan to pass on a big inheritance to your children or a charity, you still have one big retirement-planning mission remaining: Protecting your wealth from disappearing into the coffers of state and federal governments. Depending on where you... [...]
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Beyond eBay and Etsy: 5 Online Flea Markets You’ve Never Heard of

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Beyond eBay and Etsy: 5 Online Flea Markets You’ve Never Heard of
Where can you find antique Pez dispensers, hot vintage heels and (finally!) the perfect lamp to match your weirdly patterned bedspread — all on sale for just a few bucks? I’ll give you a hint: It’s not Walmart. At least, not my Walmart. (And if yours fits the bill… would you let me know where you live?) No, it’s your favorite online flea market. A New Way to Browse: Online Flea Markets Not only are regular flea markets wacky and wonderful, but their goods are usually pre-owned, pre-loved and dirt cheap. In short, they’re a Penny Hoarder’s dream. But it’s 2019. You turn to your laptop (or, let’s be real, your smartphone) for everything from takeout to taxi rides to a date for Friday night.  So it’s no surprise there’s a whole world of online flea market shopping out there. And it’s just as quirky and addictive as the real thing — especially since you can see it all with just a few clicks.  Of course, a few of these flea market sites are industry giants you almost certainly already know about.  There’s eBay, which is nearly 25 years old. (I know!) Although it bills itself primarily as an online auction site, many of its listings are available for immediate sale — and it seems you can find just about anything you might desire. And there’s Etsy, which is sort of like eBay’s quiet, artsy little sister who wears a lot of black eyeliner while weaving flower crowns. You probably already know that Etsy specializes in homemade, handmade goodies, but it’s also a treasure trove for lovers of all things vintage.  In fact, Etsy has a whole category devoted to vintage items from games and toys to clothing — and it’s well-organized enough that you can specifically browse bolo ties, fedoras or marbles. Sites like Amazon and Craigslist also play a part in the game, connecting buyers to individual sellers in their area or abroad. But if you really want to get your hands dirty and score some killer (read: very weird) online flea market finds, you’ll have to look beyond the big guys. 5 Online Flea Markets You Might Not Have Heard of Yet We checked out a variety of smaller online flea markets and compared inventory, prices and user experience to help you find the best deals at the digital folding table.  Here’s what we found out. 1. Fleabay A bit like a cross between Craigslist and eBay, Fleabay (a .net domain!) lists items from all over the world — and includes categories as diverse as rental properties and ride shares. There’s even a free stuff section.  The list of prohibited items includes wine, credit cards and “human parts and remains.” Used airbags are merely “questionable,” though. Fleabay’s listings feature little more than an item description, location, the seller’s information and an expiration date. Shipping or local pickup is arranged on a per-listing basis, and you reach out to the poster directly.  The most frustrating thing? A number of the categories were empty of listings — but there’s no way to tell that without clicking through. There’s also no baked-in way to make an offer on an item; if you’re interested, you’ll have to fill in an online contact form. 2. vFlea  Compared to other online flea markets, vFlea feels the closest to actually thumbing through junk until you find a treasure — before leaning across the table to make a bid. The interface is also a touch more polished. Each listing’s thumbnail specifies whether items are shippable or for local pickup only and also includes an asking price. The platform has built-in “buy now” and “haggle” options, and even an opportunity to “barter” with goods of your own.  Items are organized by tags as well as categories, creating better searchability and organization. The site populates the number of listings currently available in each category in parentheses, so no mysteries there. Finally, vFlea still has some weird stuff available, although it draws the line at community events. For instance, you could make an offer on this hilltop timeshare in Indiana, which apparently can be shipped or picked up locally. The asking price is $21,000.   3. Bonanza Although Bonanza has a very similar interface to eBay, it doesn’t offer bidding or bartering options.  It does, however, list categories for everything from home goods to collectibles, including coins and paper money.  And there’s also a wonderful category called “Everything Else,” with subsections like “Metaphysical” (which features a $330 haunted bracelet) and “Weird Stuff” (hey, this is perfect for Halloween!)  There’s even a “Vintage” section under fashion so you can easily shop for those precious duds from another era. 4. Srchie Love the hunt for bargains but not so much the web surfing? Srchie does the work for you, scanning — or searching, get it? — online flea markets across the web, including eBay, Amazon and Goodwill.  Narrow your search by categories like Vintage, Furniture and Books — including first editions — and the site will display externally linked images to the sellers’ sites. You can identify who’s selling by the logo in the top left corner and find the price and the posting date at the bottom of the image before clicking through to the seller’s site.  It’s a convenient way to browse the marketplace and compare prices without opening 4,287 tabs. FROM THE SAVE MONEY FORUM What to buy (and not buy) from Fourth of July Sales 2019 6/27/19 @ 1:00 PM M Do drive-in movie theaters save you money? 7/1/19 @ 7:38 PM Airfare 6/24/19 @ 5:19 PM SAVING MONEY ON A FIXED INCOME 6/7/19 @ 1:31 PM See more in Save Money or ask a money question 5. Poshmark  Although it’s not exactly an online flea market, per se, Poshmark allows you to make the seller a custom offer — just like at a flea market table! It offers a wide variety of fashion and home accessories, as well as themed parties for buying and selling your stuff. Like most online consignment shops, Poshmark require you to log in to browse their goods, but they’re free to browse and generally feature low shipping costs.  Digital secondhand shops like ThredUp have a lot to offer if you’re looking for fashionable items on the cheap. You can buy (and sell!) gently used, high-quality, brand-name clothes and accessories for a fraction of the price you’d find in stores or online. Jamie Cattanach (@jamiecattanach) is a freelance writer. Staff writer/editor Tiffany Wendeln Connors contributed to this post. 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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Read Up, Parents! 14 Simple Ways to Get Free Kids’ Books

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Read Up, Parents! 14 Simple Ways to Get Free Kids’ Books
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. What’s better than curling up with a good book? Or, better yet, a series of books? “Little House on the Prairie,” “The Baby-Sitters Club” or “The Boxcar Children,” anyone? But books can get pricy. How can you find books for your little ones to read without spending a fortune? By getting free books, of course. While it’s great to support authors whenever possible, sometimes buying new books just isn’t in the family budget — and you don’t want to deprive your kids of the love of reading How to Get Free Books for Kids Use these strategies to get free books for kids. Some are physical books and others are PDFs or ebooks, but they all offer great ways to give kids access to a wide variety of reading material — without spending a cent. 1. Imagination Library Dolly Parton loves reading so much, she wants every child to have the opportunity. In 1995, the country music superstar started Imagination Library to give free books to children in her home county in Tennessee. She wanted to help preschool-aged children develop a love of reading, even if their families couldn’t afford books. In 2000, she expanded the program, partnering with local communities to send more than 60 million books to kids in the U.S., Canada and the U.K. Local partners include preschool programs, libraries and service organizations along with many other groups. To get free books for your child, check the program availability in your area, then follow the instructions to get registered. 2. Free Kids Books Download free PDFs from this online library of kids’ books. With picture books for toddlers, books with pictures and words for bigger kids and chapter books for young adults, this site has something for everyone. You can even get coloring books. The site recommends printing the PDFs and stapling the pages together — or reading them on a tablet or other electronic device. Titles include classics like “The Tale of Mrs. Tittlemouse” by Beatrix Potter and  newer ones like “Wilbur the Lost Whale,” about a whale who reunites with his family in a conservation area. 3. Barnes & Noble Summer Reading Program Kids in first through sixth grades can earn a free book by filling out the Summer Reading Journal. Just have your kids read eight books and write about their favorite parts of each one in the journal. Bring the journal into a local Barnes & Noble between Aug. 1 and Aug. 31, and your kids can pick out a book from a selected list. 4. Read Conmigo Immerse your children in pre-k through fifth grade bilingual reading by signing up for Read Conmigo. If you live in California, Florida or Texas, the program will mail you a book every four months. Online resources like bilingual activities and educational tools are available to everyone, regardless of location. The program also offers free ebooks that are compatible with most Apple iOS, Amazon Kindle and Android devices. More than 108,000 parents have signed up for the program since it started in 2011. 5. Little Free Libraries Neighborhoods all over the country are adding Little Free Libraries. These small shelves allow people to share books and always have something new to read. Find a free library near you, leave a book you’ve finished and grab a new one to share. Different libraries will have different offerings. 6. Craigslist, Freecycle and Facebook If you’re looking for some kids’ books, why not put up a “wanted” post on Craigslist, Freecycle or even Facebook? Plenty of people have books they’re not using and would be happy to share, but it’s not on their minds unless you ask. 7. Libraries Of course, your local public library has plenty of books to borrow for free. This is a great option for families who like to constantly switch up their reading selections. But some libraries will even have books you can keep, such as older books they’re planning on tossing out. Ask your local librarian if they may have any available. 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 How to Get Free Online Books for Kids Ebooks are increasingly becoming more popular with readers, and that includes young ones.  Here are several sites where you can find free online books for kids. 8. Amazon Free Books Amazon has a ton of free kids’ books available for Kindle downloads. Just search for “children’s books, Kindle edition” and sort price “low to high” to see all the freebies. Plenty of books are available to download, from “Wiggly the Worm” to “Diary of a Private School Kid.”  A couple of other sites also make it easy to find free kids books in Kindle format, including eReaderIQ and Goodreads. 9. Amazon Prime Kindle Owners’ Lending Library Amazon Prime members can borrow books for free through the Kindle Owners’ Lending Library, which allows users to borrow one book each calendar month. The program offers a wide range of kids’ books to pick from, but you’ll need a Kindle (and a Prime membership) to read them. 10. Project Gutenberg While mostly for older kids, Project Gutenberg has a wealth of free downloads available. Type “children” in the search field and classic kids’ books will appear, from “The Tale of Peter Rabbit” to “Peter Pan” to “Anne of Green Gables” and many other favorites. The site offers a total of over 59,000 ebooks to download for free, including many books for kids. 11. ManyBooks Launched in 2004, ManyBooks aims to create an extensive library of digital books that are available for free on the internet. The site adds new books on a near-daily basis, including an entire section dedicated to kids’ books The books are available for download in a variety of formats and can also be read on the site itself using ManyBooks’ online ereader. 12. Free Children Stories The founders of Free Children Stories set up the site in 2008 as a way of offering quality storytelling to every child, parent or teacher with internet access. The site has a variety of books for all ages, and even offers audio readings of the books for kids who like having a grown-up read to them. 13. Read.gov The Library of Congress has put dozens of classic kids books online for free, including “Anne of Green Gables” and “White Fang.” The ebooks can be read using the Library’s online e-reader, and the ebooks themselves are scans of the original books held in the library’s collection. 14. International Children’s Digital Library The International Children’s Digital Library was established to provide a collection of digital children’s books from around the world. It contains more than 4,600 books in 59 languages, including Spanish, French, Farsi and even Mongolian. Kristen Pope is a freelance writer and editor in Jackson Hole, Wyoming. Editor Caitlin Constantine contributed to this post. This was originally published on The Penny Hoarder, wh [...]
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Companies Pay Big Settlements Over Bogus Beer Ads, Harassing Calls

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Companies Pay Big Settlements Over Bogus Beer Ads, Harassing Calls
You’re in for a cool brew on Kona Beer if you bought the brand because you thought it was made in Hawaii. You also might benefit if you were the recipient of harassing phone calls or took a bogus supplement.  See if you qualify for any of this month’s highlighted class-action settlements. Kona Beer Hawaiian Origin Beer drinkers who thought they were drinking brew made in the tropical islands of Hawaii may be eligible for up to $20 from Kona Beer. If you bought a 4-pack, 6-pack, 12-pack or 24-pack of Kona Beer between Feb. 28, 2013 and June 14, 2019, you could be eligible for the following: $1.25 per unit for a 4-pack of Kona Beer $1.25 per unit for a 6-pack of Kona Beer $2 per unit for a 12-pack of Kona Beer $2.75 per unit for a 24-pack of Kona Beer Purchases of single cans or single bottles are not eligible for the settlement. The class-action suit alleged that Kona Brewing Company used imagery including surfers and Waikiki Beach to trick customers into believing the beer was brewed in Hawaii.  In reality, Kona beverages were brewed in New Hampshire, Oregon, Tennessee and Washington. Under the terms of the settlement, you can claim to up to $10 without a proof of purchase, or up to $20 with proof of purchase. For a full list Kona Beer varieties covered by the settlement and to submit a claim by the Oct. 7, 2019 deadline click here. Los Angeles Natural Gas Tax  If you were a customer of Southern California Gas Company and were charged a Los Angeles City Users Tax for natural gas use between Dec. 12, 2012 and April 12, 2019, you could be eligible for a portion of a $32.5 million settlement. The class action alleged Los Angeles residents were charged a 10 percent fee based on the amount of gas they used. The city allegedly began to base the fee on the amount also paid for other surcharges, which resulted in city residents paying more than $30 million in additional, unfair taxes. The city agreed to remove the additional tax amount, saving gas customers an estimated $6.18 million per year. The settlement fund will automatically be awarded to L.A. residents who were Southern California Gas Company customers by reducing their natural gas tax bill for 36 months between five and 10 percent.  Because the settlement fund will be automatically awarded, affected customers only need to make it known if they wish to object to or opt out by Aug. 19, 2019. For complete details, click here. FoodState Supplements (MegaFoods, Innate Response) Did you buy vitamin supplements by FoodState, including brands MegaFoods and Innate Response Formula, between Jan. 11, 2011 and Sept. 15, 2018? If so, you could be entitled to a portion of a $2.1 million class-action settlement regarding allegations of false advertising. FoodState was accused of falsely stating its supplements contained more nutrients from “whole foods” than they actually did. The company also allegedly included magnesium stearate in some supplements but did not include it on its list of ingredients. The compound, which may be found naturally in certain foods, can irritate the bowels of some consumers.  Class members who submit a valid claim by the Aug. 19, 2019 deadline will receive $25 per bottle, up to a maximum of $100. For the complete list of all the supplements covered by the settlement and to submit a claim, click here. National Holdings Telemarketing Did you receive a call from National Holdings Corporation between Nov. 11, 2010 and May 24, 2019, despite your number being registered with the National Do Not Call List? If so, you could be eligible for an estimated cash payment of $20. A higher or lower payment amount is possible depending upon the number of valid claims received. The calls, which allegedly violated the Telephone Consumer Protection Act, were made by either National Holdings representatives or by Shampan Lamport on behalf of National Holdings.  Click here to file a valid claim by the Aug. 23, 2019 deadline.  PTZ Insurance Robocalls If you received unsolicited phone calls from PTZ Insurance, you could qualify for a portion of a $5.5 million class-action settlement. The calls used a pre-recorded voice to play a “Day 2” or “Day 6” message and were made between Oct. 16, 2013 and Nov. 30, 2016. The lawsuit alleged the calls violated the Telephone Consumer Protection Act. The value of each claim will depend upon the number of valid claims received and could range from about $46 to $92.  Eligible consumers should have received a claim number and PIN to file a claim. For full details, click here and file your claim by Aug. 28, 2019. FROM THE MAKE MONEY FORUM How I'm Making Money on Poshmark 12/31/18 @ 4:47 PM C Buying & Reselling On eBay 4/5/19 @ 2:52 PM Dumpster 7/27/19 @ 4:19 AM Selling stamp collection 7/31/19 @ 2:13 PM See more in Make Money or ask a money question New York & Company (California Only) Clothing store New York & Company will provide customers who bought items in California up to a $25 discount voucher to resolve claims the retailer used false prices to convince customers they were getting a great deal. If you purchased items at any California New York & Company outlet store between June 9, 2013 and May 23, 2019 or from a New York & Company retail store in California between Feb. 11, 2012 and May 23, 2019, you could qualify for a voucher. The lawsuit alleged the clothing retailer advertised its outlet merchandise prices as a certain percentage off of regular retail prices, but the “sale” merchandise allegedly never was sold at the listed retail price. Customers can receive a voucher worth $7.50 off of any purchase or 25 percent off a purchase up to $100. Click here and file your valid claim by Sept. 9, 2019.  CVS Algal-900 DHA Supplement If you bought a CVS-branded Algal-900 DHA dietary supplement that included a claim that it was “clinically shown to improve memory” or had “clinically shown memory improvement” on the label, you could receive a full refund or $7 in vouchers. The lawsuit alleged the claims about memory improvement were deceptive. CVS customers who bought the supplements between Nov. 15, 2008 and Sept. 30, 2016 could be eligible for a variety of different awards, based on the proof of purchase and whether a CVS ExtraCare account was associated with the purchase. For complete details and to file a claim by the Dec. 12, 2019 deadline, click here.   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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Beyond Airbnb: Your Guide to Peer-to-Peer Travel Platforms

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Beyond Airbnb: Your Guide to Peer-to-Peer Travel Platforms
If you want a truly unique travel experience on your next trip, consider bypassing the international hotel chains and corporate tour companies. Instead, opt for leaning on the locals. The internet is full of peer-to-peer networks that can connect visitors with residents who are willing to share their home, couch, backyard, car and even their... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Beyond Airbnb: Your Guide to Peer-to-Peer Travel Platforms originally appeared on NerdWallet. [...]
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Field & Stream Magazine Subscription Discount

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Field & Stream Magazine Subscription Discount
Snag a great deal on a subscription to Field & Stream Magazine! FIELD & STREAM MAGAZINE SUBSCRIPTION DISCOUNT Now through 8/21/19 (11:59 pm EST), you can score Filed & Stream Magazine for as $4.99 per year!  That is a savings of 85% off the list price! Add a subscription for one, two or three years to ... Read More about Field & Stream Magazine Subscription Discount The post Field & Stream Magazine Subscription Discount appeared first on Penny Pinchin' Mom. [...]
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CVS: Deals for the week of June 16-22, 2019

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CVS: Deals for the week of June 16-22, 2019
Looking for all the best weekly CVS deals? Check out this list of the hottest deals you’ll find in-store this week! Here are the best deals at CVS this week, with a big thanks to Passionate Penny Pincher for her help in compiling them: Buy 2 Maybelline Eye Brow Liner – $4.99, Get $6 ECBs (Limit 1) Used (2) $3/1 Maybelline Eye Product printable will need to sign up can get 2 coupons when signing up Pay $3.98 out of pocket, Get $6 ECBs Free plus $2.02 moneymaker after coupons and ECBs Buy 1 Colgate Total TS or Max Toothpaste at $3.49, Get $2 ECBs (Limit 2) Use $1/1 printable Pay $2.49 out of pocket, Get $2 ECBs $0.49 after coupon and ECBs Buy 1 Hershey King Size at $1.88, Get $1 ECBs (Limit 1) Pay $1.88 out of pocket, Get $1 ECBs $0.88 after ECBS Buy 1 General Mills Cereal at $2.88, Get $1 ECBs (Limit 1) Pay $2.88 out of pocket, Get $1 ECBs $1.88 after ECBS Buy 1 Physician Formula Make Up Staring at $9.99, Get $7 ECBs Pay $9.99 out of pocket, Get $7 ECBs $2.99 after ECBs Buy 2 Scott Toilet Paper (18 roll) at $7.99, Get $5 ECBs (Limit 1) Use $0.55/1 Scott Bath Tissue printable Pay $14.88 out of pocket, Get $5 ECBs $4.94 each after coupons and ECBs Buy 1 Coppertone Sunscreen at $9.99, Get $2 ECBs (Limit 1) Use $2/1 printable Pay $7.99 out of pocket, Get $2 ECBs $5.99 after coupon and ECBs Buy 1 Finishing Touch Flawless Face or Brow at $19.99, Get $5 ECBs (Limit 1) Pay $19.99 out of pocket, Get $5 ECBs $14.99 after ECBs Spend $20, Get $5 ECBs (Limit 1) *Deal Idea* Buy 2 Charmin Toilet Paper (6 Mega Roll) or Bounty Paper Towels (4 rolls) – $6.99 Buy 1 Tide Pods (12 -16 ct) – $4.94 Buy 1 Dawn Dish Soap – $0.99 Use $2/1 Tide App coupon or $2/1 Tide coupon from the 5/26 P&G insert Pay $17.91 out of pocket, Get $5 ECBs $4.30 each after coupons and ECBs OR Buy 3 Tide Pods (12 -16 ct) – $4.94 Buy 1 Charmin Toilet Paper (6 Mega Roll) or Bounty Paper Towels (4 rolls) – $6.99 Use $2/1 Tide App coupon and (2) $2/1 Tide coupon from the 5/26 P&G insert Pay $15.81 out of pocket, Get $5 ECBs $2.70 each after coupons and ECBs Spend $25, Get $7 ECBs (Limit 1) *Deal Idea* Buy 2 Huggies Diapers at $12.49 (Buy 1, Get 1 50% OFF) Buy 2 Pampers Wipes – $2.99 Use (2) $1/1 printable Use $0.50/1 Pampers Wipes App coupon Pay $22.21 out of pocket, Get $7 ECBs $7.60 each after coupons and ECBs Deals In Ad M&M Candy (9 oz) – $2.50 Use $1/2 coupon from the 6/16 SmartSource insert Use $1/2 CVS coupon from CVS machine $1.50 each after coupons Tide Simply Laundry Detergent (40 oz) – $2.94 Use $1/1 App coupon $1.94 after coupon New to shopping at CVS? Be sure to check out my CVS 101 post that gives you the full scoop on how to get the best bargains at CVS. See the full list of deals at CVS here. [...]
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New Grad? This 6-Step Guide Will Help You Determine What You Owe in Loans

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New Grad? This 6-Step Guide Will Help You Determine What You Owe in Loans
If you’re a recent graduate, the last thing you want to think about is the past, right? It’s all about the future. However, if you took out student loans, the time to look back is now (actually, it probably should have been sooner, but let’s not quibble over semantics). If you’re like most grads, you took out multiple student loans over your four(ish)-year career as a college student — consumers with educational debt had an average of 3.7 student loans, according to a 2017 Experian report.  Unfortunately, 11.4% of aggregate student debt was 90 or more days delinquent or in default in the fourth quarter of 2018, according to the Federal Reserve. That means there are a lot of people not paying their student loans on time — or perhaps at all. But you won’t be one of them, right? You just need a little help figuring out who you owe… and how much… and when it’s due. Oh, and how long before these loans are paid off and out of your life (spoiler alert: you might get a temporary reprieve on payments if your loan has a grace period). Fortunately, you have The Penny Hoarder to help you organize your student loan debt in way to pay it off in a timely, cost-effective way so you can get back to that future thinking. How Much Do I Owe in Student Loans? It would be nice if you could put a simple, smallish figure down on paper and be done. But student loans can get complicated, and you should have all the essential information before you formulate a plan of attack for paying them off. We’ve come up with the list of questions you should be able to answer about both your federal and private student loans to truly know how much you owe. That could mean a few trips to the interwebs, a close reading of your loan agreement and/or a call to your lender. Let’s get started. 1. Who Is My Student Loan Servicer? There’s no sense in knowing how much you owe if you don’t know who you owe it to, right? Federal Student Loans  Dig out your FAFSA (Free Application for Federal Student Aid) login and password to sign onto studentloans.gov. Here you will find a list with your federal student loans.  Each entry will also indicate the company hired by the federal government to service the loan — look for names like Navient, Great Lakes or FedLoan, three commonly used loan servicers. Any further interaction in regards to your loan should go through your loan servicer. If you need more info about your loans  — such as when your loan was disbursed — log into the National Student Loan Data System (NSLDS.ed.gov).  “Use that same federal student aid login and password to login,” said Heather Jarvis, a North Carolina attorney who specializes in student loans. “That site is much less formatted and is less easy to read than studentloans.gov, but it does have more information.” Private Student Loans Private student loans are more difficult to track — especially if you accepted them without much thought as a 17-year-old … and you lost any paperwork four moves ago … and your loan’s been sold.  If you’re at a total loss for who to contact, start with your alma mater.  “The college admissions office is going to know who paid the tuition,” said Melinda Opperman, executive vice president of credit.org. She recommended asking for a duplicate copy of the loan agreement, which the college should have in its records.  “If they can’t provide that, at least [ask for] the phone numbers of who to get in touch with,” Opperman said. No luck with your college? There’s one more source that will have your private loan info: your credit report, which you can order online for free from annualcreditreport.com. “Look for all the education loans listed on your credit report, and then compare the loans on your credit report to the loans that you’ve identified as federal,” Jarvis said. “If there are any loans on your credit report that are not on studentloans.gov, it’s because they’re private student loans.  “And your credit report will list the name of the lender.” 2. What Is the Principal Amount? Regardless of the type of loan, it’s important to know two things about the principal:  What is the amount you initially borrowed? What is the current amount of principal you owe? If you’ve made any payments toward your loan, you should be aware of whether the payments were going toward interest or principal. These totals should reflect that. Knowing both the initial loan amount and current principal will be important for calculating interest. Federal Student Loans The fed’s information about your loan balance could be up 120 days old, so you should contact the lender directly for the updated amount.  Private Student Loans For private loans, it’s best to contact the lender directly for the current principal, although your most recent statement should also have this information. 3. What Is the Interest Rate? Knowing the interest rates can help you prioritize which loans to tackle first. Paying off in order of the highest to lowest interest using the debt avalanche method will save you money in interest over the long term. Federal Student Loans The feds don’t consider your college career collectively — each academic year you start anew. The same goes for your interest rates. “The interest rates set for federal student loans are set annually for the upcoming academic year, and they’re not always the same from one year to the next,” Jarvis said. “So people might have a variety of interest rates.” The good news about federal loans? Unless the loans were issued before 2006, your interest rate will be fixed. So that rate will remain the same over the life of the loan. Private Student Loans Private student loans are less likely to have fixed interest rates, so you’ll have a little more homework to do with them.  “Often, private loans are at variable interest rates, so they can change over time,” Jarvis said. “Everyone who has a private loan at a variable rate should know a couple of things: They should know how often the rate changes and they should know whether there’s any cap on how high the rate can go.” Pro Tip Making an extra payment—using a tax refund, perhaps—lowers the amount of interest you pay over the life of the loan. Specify to your lender that the extra money should be applied to your loan balance. If your interest rate seems really high, that’s probably because it was based on your credit score — and lack of credit worthiness as a college student. Once you have a career with a steady income, you may consider refinancing your loans since you could qualify for lower interest rates.  4. What Are My Payment Plan Options? Now that you know the amount you owe and the interest rate, you should find out how to start paying it off.  Ask your lenders what the estimated payoff dates are to help set your goals and prioritize payments. Federal Student Loans If you let the government decide, it will automatically base your payments on the standard 10-year loan repayment plan. But that isn’t your only option. “Folks tend to have the misunderstanding that they have a monthly payment that’s the required payment on a student loan,” Jarvis said. “And with federal student loans, that’s not the case.” If you’re unable to make the proposed amount, you have four main options for lower payments that take your income and expenses into account: Income-Based Repayment Plan (IBR) Income-Contingent Repayment Plan (ICR) Pay as You Earn (PAYE) Revised Pay as You Earn (RPAYE) You can learn more details about income-driven repayment plans in this article, but Opperman warns that these plans come with conditions that you should discuss with your lending service provider before you sign. “When the student starts making smaller payments, it’s going to take significantly longer for them to pay,” she said. “And the balance may be growing — much like what happened for some people with the to [...]
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What Is Student Loan Refinancing, Really?

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What Is Student Loan Refinancing, Really?
It’s understandable if your student loans are taking a backseat to other, more pressing matters, like finding a roommate, saving up for a car or meeting work deadlines. But taking the time to refinance your student loans can potentially save you a bundle on interest over time. If you qualify, refinancing can be a safe... Valerie Lai is a writer at NerdWallet. Email: vlai@nerdwallet.com. The article What Is Student Loan Refinancing, Really? originally appeared on NerdWallet. [...]
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My Completely Honest KiwiCo Review (plus get 40% off your first box!)

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My Completely Honest KiwiCo Review (plus get 40% off your first box!)
This post may contain affiliate links. Read my disclosure policy here. Interested in KiwiCo reviews — or maybe specifically a Kiwi Crate review (since that’s the most popular box)? If you’re interested in trying a KiwiCo box for your kids, check out my completely honest thoughts below! And be sure to scroll to the bottom to get a promo code for 40% off your first box! {And if you’re looking for more honest reviews, you might be interested in my Montessori by Mom review and JellyTelly review. You can also check out my top 10 recommended subscription boxes for kids and my top 13 recommended magazine subscriptions for kids.} What is KiwiCo (formerly Kiwi Crate)? If you’re looking for some really unique ways to keep your kids entertained, I highly recommend KiwiCo! In case you’ve never heard of KiwiCo, it used to be called Kiwi Crate but after expanding and adding on so many different types of boxes, they rebranded to be called KiwiCo. KiwiCo is a monthly subscription service that offers kid’s educational projects, crafts, and activities on different themes. You can get a subscription for as low as $16.95 per month — including shipping. Each box includes all the materials to make a fun hands-on project (or 2-3 simpler projects, depending on the box!). What age range is it for? The original Kiwi Crate was designed for kids ages 5-8, but they’ve now added on so many different options! KiwiCo offers monthly crate subscriptions for various ages: Tadpole Crate for ages 0-3 years (Explore & Discover) Koala Crate for ages 3-4 (Play & Learn) Kiwi Crate for ages 5-8 (Science, Art, & More) Atlas Crate for ages 6-11 (Geography & Culture) Doodle Crate for ages 9-16+ (Art & Design) Tinker Crate for ages 9-16+ (Science & Engineering) Eureka Crate for ages 14-104 (Engineering & Design) The two most popular crates (at least in our house!) seem to be Kiwi Crate and Tinker Crate, but I love that they have choices for different ages and preferences! My Honest KiwiCo Review If you’re looking for completely honest Kiwi Crate reviews, I’m here to tell you that my kids have been using KiwiCo for years and absolutely LOVE it. They received it as a gift one year and loved it so much that they continued requesting it as a gift each year after that! I have fond memories of them running to the mailbox in excitement and anticipation to see what would be in this month’s Kiwi Crate box. I still remember how much Silas loved the very first Kiwi Crate box we received in the mail! He made a glow worm from a sock and named it “Billy Butler” after one of his favorite Royal’s baseball players. Since we’re a family that has never had a lot of toys, the KiwiCo boxes have been a great fit for us. It’s really nice that they’re mostly consumable and don’t contribute to toy clutter around the house. I also really love how hands-on, educational, unique, and entertaining they are. And they always have really great instructions for kids (and parents) to follow. Even as they’ve gotten older, they still really enjoy getting the boxes in the mail. (And I love that KiwiCo has now added on some really cool boxes for older kids!) In fact, we recently received a Kiwi Crate and Tinker Crate in the mail and ended up taking it with us on our family vacation in Utah. Our nieces and nephews loved working on the projects together and all gave it a thumbs up! (How’s that for an honest Kiwi Crate review? 😉) It was so much fun and such a great way for them to all do a hands-on activity together! How much does Kiwi Crate cost? The one negative thing I have to say about KiwiCo is the cost. (But be sure to scroll down for a coupon code to save on your first box!) While my kids have absolutely loved their Kiwi Crate boxes, we’ve always received them as gifts from grandparents. And I do think that they’re a little bit on the expensive side — especially if you’re on a tight budget. Most of the boxes cost $19.95 per month and you can get them for as low as $16.95 per month if you buy an entire annual subscription at once. {The Eureka box costs even more at $29.95 per month or $24.95 per month if you purchase an annual subscription.} This is why I think a KiwiCo subscription is a GREAT idea for grandparents as birthday or Christmas gifts! And you can purchase different lengths of subscriptions, depending on your budget — one month, three months, six months, or an entire year. Save 40% off your first KiwiCo box! If this honest KiwiCo review made you interested to try it, I’ve got a great deal for you! You can get 40% off your first box as a MoneySavingMom.com reader when you shop through this link. That makes your first box just $11.97 shipped. And there’s no obligation to continue with your subscription after your first box. Just log in to your account and cancel your subscription before it renews at the regular price. This is a great way to try KiwiCo at a discounted price and see if your kids like it! Have you tried Kiwi Crate before? If so, what was your experience? Related Links: Top 10 Subscription Boxes for Kids Top 13 Magazine Subscriptions for Kids 5 Reasons I’m Glad We’ve Chosen to Not Have Many Toys 5 Simple Ways to Cut Down on Toy Clutter 10 Non-Toy Gift Ideas for Kids Non-Toy Gift Kids: 10 More Ideas 10 Experience Gifts for Kids Top 10 Toys for a Minimalist Family 145 Non-Toy Gifts for Every Age My Completely Honest Review of Montessori By Mom Toolboxes My Completely Honest JellyTelly Review medianet_width = "600"; medianet_height = "120"; medianet_crid = "568454786"; medianet_versionId = "3111299"; [...]
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Southwest Launches New Wave of Flights to and Within Hawaii

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Southwest Launches New Wave of Flights to and Within Hawaii
Southwest Airlines is expanding its route network to and within the Aloha State. The low-cost carrier has added daily flights from Sacramento to Honolulu to its schedule, as well as additional routes from elsewhere in California to Kauai and the Big Island. These new flights are scheduled to take off starting in January 2020, but you can... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Southwest Launches New Wave of Flights to and Within Hawaii originally appeared on NerdWallet. [...]
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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 y