9 Ways to Get Cheap or Free Veterinary Care for Your Pet

9 Ways to Get Cheap or Free Veterinary Care for Your Pet

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9 Ways to Get Cheap or Free Veterinary Care for Your Pet
One day I noticed my puppy was acting strangely. She walked a few steps, stumbled, fell over and slowly got back up, only to fall over again. I realized her tummy was extremely bloated. I rushed her to the vet. The vet examined her for a few minutes and started to chuckle. Then my puppy let out a bellowing burp, and the vet actually started to laugh. When he asked me if I had left dog food out...
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CFTC Proposes Rule to Amend Regulation 160.30

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CFTC Proposes Rule to Amend Regulation 160.30
On November 12, the Commodity Futures Trading Commission (CFTC) published a proposed rule that would amend CFTC Regulation 160.30 by establishing specific requirements for policies and procedures to protect customer records and information (Detailed Requirements). The Detailed Requirements were inadvertently deleted in a 2011 amendment to the regulation. The Detailed Requirements are consistent with section 501 of the Gramm-Leach Bliley Act, pursuant to which part 160 of the CFTC’s regulations was adopted. The Detailed Requirements clarify that the policies and procedures must be reasonably designed to: Insure the security and confidentiality of customer records and information; Protect against any anticipated threats or hazards to the security or integrity of customer records and information; and Protect against unauthorized access to or use of customer records or information that could result in substantial information to any customer. The proposed rule has a 30-day comment period following publication in the Federal Register. The Proposed Rule is available here. [...]
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Will early stage equity crash when the everything bubble bursts?

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Will early stage equity crash when the everything bubble bursts?
Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily Fintech and author of The Blockchain Economy. Conventional Wisdom (CW) says that early stage equity will crash the hardest when the next crash happens. The CW logic is simple – crashes lead to risk aversion and nothing is more risky […] The post Will early stage equity crash when the everything bubble bursts? appeared first on Daily Fintech. [...]
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7 Face Masks + 2 Bonus Items only $4.90 shipped!

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7 Face Masks + 2 Bonus Items only $4.90 shipped!
This post may contain affiliate links. Read my disclosure policy here. Looking for some frugal stocking stuffers? These face masks would make a great option! Right now, FaceTory is offering their 7 LUX Box for only $4.90 shipped when you use the promo code 7LUX15 at checkout! That’s $15 off your first box!! This box includes seven handpicked, luxurious K-Beauty sheet masks plus two bonus items (Skin & Lab Barrierderm Mileage Sample Kit and ID Plascosmetics Face Fit Lip Fit-ler). That makes each item just $0.54 shipped! I have tried some of these face masks before and loved them. We got our box and I was so impressed with everything in it and couldn’t believe it was just $4.90 shipped!! You can watch Kaitlynn and me unbox my box here to see what all they sent us. Kaitlynn has had the BEST time using these face masks and I might even get brave and try a few! 🙂 {Please note that when you sign up for this, you will continue to receive and be charged for a box every month. If you no longer wish to continue your subscription, be sure to cancel before your next box ships.} Get your 7 LUX Box here. [...]
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Who wants a FREE $5 Amazon gift card??

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Who wants a FREE $5 Amazon gift card??
This is a super easy way to earn a quick $5 gift card for your holiday spending! Trying to stretch your holiday budget? I’ve got a way for you to easily earn a $5 Amazon gift card in just minutes — completely free! If you are planning to do any errands or shopping in the near future, don’t miss this! Here’s how to earn your free $5 gift card: 1. Sign up for Shopkick through this link, use code MOM5 during the registration process. 2. Go to one store listed in the app within 7 days. (Some of the stores listed: Kroger, CVS, Walmart, Target, Publix, Dollar General, Aldi, Sprouts, Walgreens, Whole Foods, Sam’s Club, and more!). 3. When you’re at the store, open up your app and click on the store and then scans. Scan one product listed in the app. 4. That’s it! You don’t have to purchase anything. Just use the code MOM5 when signing up and then scan one item in-store. 5. Because you used the code above, you’ll get 1250 bonus “kicks” instantly added to your account. You can trade these in for a $5 Amazon gift card! (Or any other gift card!) Want to Earn Even More Points? Want to earn more points? Make sure to have the Shopkick app open when you walk in the store (you’ll earn kicks for this) and then scan all the other items listed in the app that you can earn points for. For instance, right now, I can earn 24o kicks just for scanning products in the app at Kroger, or 335 kicks for scanning products in the app at Publix, or 75 for scanning products at Aldi. I don’t have to buy anything at the stores. All I have to do is open up the app when I’m in the store and scan the specific item and I’ll earn the kicks. Best of all, I can do this every single time I go shopping — and it’s FREE points to use toward FREE gift cards! Find Out More About Shopkick Read more about how Shopkick works and how to earn more points with Shopkick here. Also, check out my post on 7 Easy Ways to Earn Amazon Gift Cards for other ways to earn free Amazon gift cards. Psst! Getting ready for the holiday season? Be sure to check out our Holiday Shopping Survival Guide! And don’t forget to sign up for our Hot Deals Newsletter to make sure you don’t miss any of the hottest Black Friday and holiday deals! [...]
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26 Work-From-Home Jobs That Pay $100,000

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26 Work-From-Home Jobs That Pay $100,000
Working from home is the dream of millions who commute to an office every day. Fortunately, lucrative opportunities abound — especially for those with a lot of education and experience. It's not the usual blah, blah, blah. Click here to sign up for our free newsletter. Recently, FlexJobs — a jobs board that specializes in openings for remote and other flexible positions &#8212. [...]
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Most Valuable Perks of the Alaska Airlines Visa Signature Credit Card

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Most Valuable Perks of the Alaska Airlines Visa Signature Credit Card
There are a few key perks that can make having a Alaska Airlines Visa Signature® credit card worth it.. Access to the Companion Fare When you have an Alaska Airlines Visa Signature® credit card, the Companion Fare is definitely one of your most valuable benefits. With a Companion Fare, you can get a significant discount... Reyna Gobel is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Most Valuable Perks of the Alaska Airlines Visa Signature Credit Card originally appeared on NerdWallet. [...]
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Barbie Dream Camper Playset only $48.74 shipped (Reg. $95!)

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Barbie Dream Camper Playset only $48.74 shipped (Reg. $95!)
This post may contain affiliate links. Read my disclosure policy here. Know someone who loves Barbies? This Barbie Dream Camper Playset is a fantastic deal! Target has this Barbie Dream Camper Playset marked down to $64.99 right now! PLUS, you can get Target coupon to save an extra 25% off any one toy when you text TOY to 827438. And shipping is free on all orders through Christmas! Combine these discounts to get a great deal: Barbie Dream Camper – $64.99 (regularly $94.99) Use your unique 25% off toy text offer (text TOY to 827438) $48.74 after coupon Thanks, Hip2Save! [...]
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Two insurance innovations roads to be taken- it’s not all tech

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Two insurance innovations roads to be taken- it’s not all tech
image The Innovation road diverged in an InsurTech wood, And while I wanted to travel both And be one searcher, long I stood And looked down one as far as I could To where it was lost in unknown techo growth;   Then took the other, as just as fair, And an improving process that […] The post Two insurance innovations roads to be taken- it’s not all tech appeared first on Daily Fintech. [...]
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Xbox One X Black Friday 2019 Deals: Are They Worth It?

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Xbox One X Black Friday 2019 Deals: Are They Worth It?
NerdWallet is here to help you win Black Friday while leaving your budget intact. We spend the time, you save the money. Visit regularly for holiday tips and announcements about your favorite products. Black Friday is Nov. 29. Microsoft’s most advanced gaming system, the Xbox One X, joins rivals like the PS4 and Nintendo Switch... Lauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. The article Xbox One X Black Friday 2019 Deals: Are They Worth It? originally appeared on NerdWallet. [...]
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Non-bank lending may have reach a tipping point in Australia

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Non-bank lending may have reach a tipping point in Australia
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. It may have been a tough year for Australia’s banks -with cash earnings reportedly tumbling to their lowest level in 20 years – but it was a bumper year […] The post Non-bank lending may have reach a tipping point in Australia appeared first on Daily Fintech. [...]
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These Are the Tax Brackets for 2020 (Plus 4 Tax Changes to Know About)

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These Are the Tax Brackets for 2020 (Plus 4 Tax Changes to Know About)
The year 2020 is looking a lot like 2019, at least in terms of taxes. The IRS just released its inflation adjustments for 2020 federal income tax rates and brackets. While these changes are unlikely to have a huge impact on your bottom line, there are a few things you should be aware of heading into the new year. Because these are the 2020 tax rates, they’ll determine your tax bill that will be due in 2021. You’ll use 2019 rates and brackets when you file your taxes on or before April 15, 2020. How the 2020 Tax Brackets Break Down There are seven tax brackets that range from 10% to 37%. The 2020 tax brackets break down as follows: Unmarried Individuals Tax Bracket Taxable Income 10% Up to $9,875 12% $9,875 to $40,125 22% $40,125 to $85,525 24% $85,525 to $163,300 32% $163,300 to $207,350 35% $207,350 to $518,400 37% Over $518,400 Married Individuals Filing Jointly or Surviving Spouses Tax Bracket Taxable Income 10% Up to $19,750 12% $19,750 to $80,250 22% $80,250 to $171,050 24% $171,050 to $326,600 32% $326,600 to $414,700 35% $414,700 to $622,050 37% Over $622,050 Heads of Household Tax Bracket Taxable Income 10% Up to $14,100 12% $14,100 to $53,700 22% $53,700 to $85,500 24% $85,500 to $163,300 32% $163,300 to $207,350 35% $207,350 to $518,400 37% Over $518,400 Pro Tip Not sure of your filing status? This interactive IRS quiz can help you determine the correct status. If you qualify for more than one, it tells you which one will result in the lowest tax bill. Tax rates apply to the income within each bracket. So if you’re an unmarried individual with taxable income of $50,000, you won’t pay 22% of that $50,000 to Uncle Sam. According to the 2020 tax brackets, you’d pay: 10% on the first $9,875 12% on the next $30,250 ($40,125 – $9,875 = $30,250) 22% on the next $9,875 ($50,000 – $40,125 = $9,875) 4 Tax Changes That Could Affect You in 2020 The modified tax brackets aren’t the only changes the IRS announced. About 60 tax provisions will be adjusted in the new year. A few highlights: The standard deduction will rise slightly: The standard deduction will rise by $200 to $12,400 for people who are single filers or married filing separately. For those who are married filing jointly, the standard deduction will rise by $400 to $24,800. You may be able to save an extra $500 for retirement: If you have an employer-sponsored tax-deferred retirement plan, like a 401(k) or 403(b), your maximum contribution is $19,500 in 2020, up from $19,000 in 2019. The additional “catch-up” contribution workers ages 50 and older can make will also go up by $500, from $6,000 to $6,500. You can contribute an extra $50 to a flexible spending account. In 2020, the maximum contribution individuals can contribute is $2,750. Some limited-income families can get an extra $103. The maximum Earned Income Tax Credit will increase to $6,660. You need at least three children to qualify for the maximum amount. 3 Tax Rules That Aren’t Changing in 2020 IRA contribution limits won’t change. The traditional and Roth IRA contribution limits will remain at $6,000 for people under 50. The extra $1,000 “catch-up” contribution the IRS allows people 50 and older to make won’t change either. You can still gift someone up to $15,000 without paying the federal gift tax. The gift tax exemption is something you might want to take advantage of if you’re contributing to a 529 plan. There’s no limit on itemized deductions. The Tax Cuts and Jobs Act of 2017 suspended these limits. Ready to Start Your 2020 Tax Prep? OK, we get it: You’re probably not thinking about your 2020 taxes yet. After all, you haven’t even had your 2019 Thanksgiving turkey. But if you’re the plan-ahead type, you can check out this comprehensive summary of 2020 tax changes courtesy of the IRS. Even if you’re not ready to jump into 2020 tax planning mode just yet, keep in mind that a new year is often a good time to check your tax withholdings and make adjustments if necessary. So make a date with yourself in early January for a quick tax checkup. Robin Hartill is a senior editor at The Penny Hoarder. She edits and writes stories about bank accounts, credit scores, home buying, insurance, investing, retirement and taxes. She is also the voice behind the Dear Penny personal advice column, which is syndicated in the Tampa Bay Times Sunday business section. 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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Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction

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Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction
   Daily Fintech, the analysis driven online publication, is announcing a team of global fintech leaders who will serve as on-going advisors on our editorial direction. The team is called the Deans List to reflect Daily Fintech’s focus on producing high-quality, insightful and independent fintech analysis that one associates with higher learning. The initial list […] The post Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction appeared first on Daily Fintech. [...]
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The Most Valuable Perks of the Bank of America Premium Rewards Card

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The Most Valuable Perks of the Bank of America Premium Rewards Card
The Bank of America® Premium Rewards® Visa® credit card stands out from other Bank of America® cards in that it comes with a $95 annual fee — which isn’t necessarily the best reason to stand out. But don’t let the fee automatically turn you off. The card also has a slew of perks and benefits that may... Chris O'Shea is a writer at NerdWallet. Email: travel@nerdwallet.com. The article The Most Valuable Perks of the Bank of America Premium Rewards Card originally appeared on NerdWallet. [...]
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JCPenney: Buy One, Get One Free Nike Shoes!

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JCPenney: Buy One, Get One Free Nike Shoes!
This post may contain affiliate links. Read my disclosure policy here. Right now, you can score Buy One, Get One Free Nike Shoes at JCPenney! For a limited time, JCPenney has Nike shoes on sale Buy One, Get One Free! No promo code needed. Please note that this excludes sale and clearance shoes. Check out these deal ideas… Buy one pair of Nike Air Max Oketo Mens Running Shoes – $75 Buy one pair of Nike Run Swift Womens Running Shoes – $70 Total after Buy One Get One Free = $75 $37.50 each after sale Buy one pair of Nike Downshifter 9 Womens Running Shoes – $60 Buy one pair of Nike Flex Essential Womens Training Shoes – $60 Total after Buy One Get One Free = $60 $30 each after sale Buy one pair of Nike Zoom Rival Fly Womens Lace-up Running Shoes – $90 Buy one pair of Nike Zoom Winflo 6 Womens Running Shoes – $90 Total after Buy One, Get One Free = $90 $45 each after sale Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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6 Festive Centerpieces You Can Make for Less Than $6

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6 Festive Centerpieces You Can Make for Less Than $6
There is no need to shell out big bucks for an expensive holiday centerpiece when you can make a DIY version for less than $6 using materials that are easy to find. Start by finding a glass canister as a base. You can probably get one at a retail or craft store for less than $2. Fill it with any number of holiday-oriented goodies. Your options include: Aaron Freeman / Money Talks News Fill the... [...]
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ChexSystems: Like a Credit Score for Your Banking Habits

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ChexSystems: Like a Credit Score for Your Banking Habits
You’re probably well aware of the existence (and importance) of credit scores, even if you couldn’t cite your own off the top of your head. But did you know there’s a similar consumer reporting system for your banking habits? It’s called ChexSystems — and just like your credit report, your ChexSystems report could have serious effects on your future financial endeavors. Here’s what you need to know about this often-overlooked reporting agency and how it could impact your money. What is ChexSystems? ChexSystems is a consumer reporting agency that collects banking-related information, such as account inquiries, misuse, fraudulent activity and unpaid fees. In short, it’s a lot like a credit score for your bank account — and just as lenders often pull your credit report before deciding whether or not to offer you a loan or line of credit, some banks will request a ChexSystem report before allowing you to open a checking account. However, unlike your FICO score (the three-digit credit score consumers tend to be most familiar with), the negative information on your ChexSystem report is generally removed after five years as opposed to seven.  That’s a good thing, because without a bank account it’s difficult, if not impossible, to pay certain bills, especially in the all-digital-everything age of automated electronic payments.  A bank account also keeps your money more secure than it is in your piggy bank, and certain accounts even pay interest. In short, you probably want a checking account — and if your ChexSystems report doesn’t pull up clean, it could be more difficult to open one. What Shows Up on a ChexSystems Report? So what kind of activities are reported by ChexSystems? Well, just as your credit report does, your ChexSystems report will list a variety of personal identifying information, including your name, address(es) and Social Security number. But the majority of the report will focus on your banking history — particularly any history you’re eager to forget, including: Negative balances, such as existing unpaid overdrafts or involuntarily closed accounts Unpaid banking fees  Fraudulent or suspicious activity, including identity theft Account inquiries and applications Public records, such as bankruptcies or judgments  Just like the major credit bureaus, ChexSystems is governed by the Fair Credit Reporting Act, which means you’re entitled to one free copy of your ChexSystems report every calendar year. You also have a right to a ChexSystems report if a bank uses its information to deny your application for a checking account. You can learn more about pulling your free annual report here, and you can also see a sample report if you’re curious to know what it might look like. If you find an error on your ChexSystems report, you can (and should) report it immediately. You can do so easily online by filling out the ChexSystems online dispute form, or by mail or fax.  Most ChexSystems investigations are completed within 30 days of filing a dispute. What to Do If You Have a Negative ChexSystems Report If your ChexSystems status is keeping you from opening a checking account, the good news is you have options.  Some financial institutions offer “second chance” bank accounts for those with negative histories, though they do sometimes come with additional fees. These are more common with online-only banks, like Chime, but some major nationwide banks offer similar options. For example, Wells Fargo’s Opportunity Checking account is available in 39 states and Washington DC, and offers some attainable ways to avoid its $10 monthly service fee.  You may also be able to use a prepaid debit card to settle bills that are tough to pay in cash, like utilities. Although some prepaid cards come with monthly fees, you can often get them waived with recurring direct deposits. Whether your ChexSystems report is clean as a whistle or could use some TLC, the first step is to educate yourself. If you’ve never heard of this consumer agency, go ahead and request your free report today. In this case, knowledge really is power — the power to open a checking account that could help you better manage your money. Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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This Week’s $70 Grocery Budget + What We Ate For Dinner

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This Week’s $70 Grocery Budget + What We Ate For Dinner
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 excited about the deals we found this week and we ate some really yummy food! Kroger Shopping Trip #1 2 bags of avocados — marked down to $0.99 each 3 bags of potatoes — marked down to $0.99 each 1 bag peppers — marked down to $0.99 Milk — $2.99 1 container cottage cheese — $2 2 heads lettuce — $1.79 each 1 bag of apples — marked down to $0.99 Total with tax: $17.05 Some of the apples in the markdown bag above were Granny Smith, which none of us are fond of eating raw. So I made Cinnamon Apples in the Instant Pot with them. These were a HUGE hit with the kids and they ate them up in just a few minutes. Next time, I definitely need to double the recipe! I was so excited about a few of the Weekend Deals at Kroger — especially the cheese deal! Kroger Shopping Trip #2: La Croix — $1.99 per 8-pack with Friday-Sunday deals Classico Pasta Sauce — $0.99 each with Friday-Sunday deals 5 Simple Truth Greek yogurts — marked down to $0.49 each 2 bags of Quaker Rice Snacks — $0.99 when you buy 10 participating items 3 boxes Swiss Miss — $0.99 when you buy 10 participating items 5 bags/packages Kroger cheese — $1.29 with Friday-Sunday deals 2 containers cottage cheese — $1.49 each when you buy 10 participating items Coconut sugar — marked down to $0.99 3 boxes pasta — $0.49 each when you buy 10 participating items 1 box pasta — marked down to $0.39 Taco Kit — marked down to $0.99 Half & Half — $1.49 5 cans Green Giant veggies — $0.49 each when you buy 10 participating items Grapes — $0.99/lb. 2 packages meat — marked down to $2.50 each Milk — $2.79 Honeycrisp apples — 3 lb. bag for $2.99 4 cans Swanson broth — $0.49 each when buy 10 participating items Total with tax: $48.34 Dinners From This Past Week Sunday — Frozen pizza, leftovers (fend for yourself) Monday — Chicken Tetrazzini, Best Ever Bran Muffins, Green Beans, Celery with peanut butter Tuesday — Chicken Noodle Soup, Biscuits, Grapefruit, Pumpkin Bars Wednesday — Pumpkin Pancakes, Bacon, Cinnamon Apples in the Instant Pot Thursday — Roast with Potatoes and Carrots and Onions in the crockpot Friday — $0.45 Potato Soup with bacon and cheese Sunday — Dinner out What did you eat at your house this week? Any winner frugal recipes you tried that you think we should try? [...]
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How Do I Know If the Bank of America Business Advantage Travel Rewards Mastercard Is Right for Me?

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How Do I Know If the Bank of America Business Advantage Travel Rewards Mastercard Is Right for Me?
When you’re interested in applying for a new travel credit card, the overwhelming number of options can make picking the right card seem daunting. How are you supposed to know which one is best? Or worth the annual fee? Or which card will net you the most points? If you’re considering a travel credit card... Alisha McDarris is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How Do I Know If the Bank of America Business Advantage Travel Rewards Mastercard Is Right for Me? originally appeared on NerdWallet. [...]
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Life Update: Pregnancy (week 15) + our big foster care news!

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Life Update: Pregnancy (week 15) + our big foster care news!
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 15 weeks and I’m not going to be able to camouflage this bump much longer. 😉 HIGHLIGHTS I had another doctor’s appointment. It was super routine, but my doctor was so encouraging about how healthy I am, how healthy the baby is, and how well I am doing. That was such a blessing! In 5 weeks, I go back for my big 20-week anatomy scan! NOTABLE I had one really rough day this past week but other than that I had a few hours of most days where I felt so good that I sort of forgot I was pregnant! I started sitting on the exercise ball this past week because I can tell that these hips are starting to feel the usual aches and pains of pregnancy. I discovered the power of sitting a few hours per day on an exercise ball and how much relief it provided for my tailbone/hip pain, so I’m trying to be proactive and start this early this time — especially since my hips are 11 years older than they were last time I was pregnant! 😉 CRAVINGS This week, it was all about meat and carbs. Seriously, I craved roast, chicken, and noodles. And I’m still totally into cheese and cottage cheese! WEIGHT GAIN: 7 pounds Our Big Foster Care News! After months and months of classes, homework, meetings, paperwork and more paperwork, doctor’s visits, TB testing, home visits, interviews, and hours and hours spent getting our home all set up and childproofed, we found out this past week that we our home is officially licensed as a foster home in TN!! We have no idea what the future holds for us when it comes to foster care, but we are excited to continue on in this step of faith and obedience. We’ve been praying for the children who will be placed in our home and trusting God that He’s got a beautiful plan that we can’t really dream or imagine right now. Obviously, there’s a lot I won’t be able to share about this journey in order to protect other family’s and kids’ privacy, but I will definitely share what I can while protecting the kids/families first and foremost (as that is one of our number one priorities as a foster home: to provide a safe place for kids and to pave the way for reunification). We know this is going to be stretching and we have no idea what to expect, but we are looking forward to seeing what God has for us in this and how He’s going to use it to grow our family and change our lives. In Case You Missed It: Veteran’s Day Freebies 20 Gifts for Tweens Under $30 Building Strong Father-Daughter Relationships [...]
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6 Alternative Housing Options That Can Help You Save Money

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6 Alternative Housing Options That Can Help You Save Money
The rent is too darn high, and it’s hard to catch a break. The same can be said about paying the mortgage each month. With housing costs eating up about a third of many household budgets, it’s typically the highest single expense Americans face each month. Still, you’ve got to have a roof over your head. Here are six alternative housing options with the potential to significantly cut costs while keeping you comfortably sheltered. 1. Coliving Imagine living with a bunch of strangers for the sake of saving money on housing. Coliving is an alternative housing concept where multiple, unrelated individuals live under the same roof sharing common space like living rooms and kitchens while enjoying private bedrooms … and private bathrooms, if they’re lucky. While the living arrangement is not new, it has gained popularity in recent years among cash-strapped millennials in urban areas. But coliving can also be found outside major metropolitan cores. Jillian Warwick moved into a St. Petersburg, Florida, coliving space this summer. She pays $600 in a city where rent on a studio apartment can exceed $1,200. Her monthly payment includes utilities and high-speed internet, and the home includes free laundry access and is stocked with complimentary coffee and household supplies. 2. Tiny House According to the National Association of Home Builders, a median new single-family home was 2,355 square feet in the beginning of 2019. Tiny homes, in comparison, are typically less than a quarter of that size. Though the living space is smaller, the potential to save is larger. In addition to spending less on the home itself, tiny house dwellers often pay less in utilities, and they buy less things because of the limited space. Andrew and Gabriella Morrison and their two kids cut roughly $300 in monthly expenses (or about $3,600 a year) from their budget by switching to tiny house living. Joel Weber built his own tiny home while in college. After spending between $13,000 and $16,000 for the build, his combined cost to park his home and pay for utilities came to about $300 a month — almost a third of the cost of living in a dorm. 3. RV Experience a nomadic lifestyle by living in an RV. These tiny houses on wheels are a fraction of the size of a typical home but also a fraction of the cost. Cortni Armstrong ended up moving to an RV five years ago. Her living situation was the catalyst to a new career: renovating and flipping RVs. Armstrong has sold remodeled RVs in the $30,000 range — which can sometimes be a mere down payment for a traditional home. Like with tiny house living, don’t forget to factor in the rent at a campground or RV park if you don’t own land to park on. 4. Skoolie Similar to an RV but in a more unique package, a skoolie is a decommissioned school bus that has been converted into a home on wheels. It can also be less expensive than an RV. Phil Risher bought a bus for $5,000 and spent $2,000 transforming it into his living quarters for a 95-day trip around the country. He and his father took on the renovation themselves using a free layout from Pinterest and tips from YouTube videos. 5. Off Grid Ever want to distant yourself from the constructs of modern society? Off-grid living is an alternative housing option that requires you to be self-sustaining. You rely on independent power and water sources rather than municipal services. You grow or hunt your food rather than shopping at a grocery store. Tyler and Ashley Selden and their daughter Sydney maintain an off-grid lifestyle in Alaska. Though it’s a lifestyle choice rather than a financial one, they estimate they save up to $10,000 a year just by growing, fishing or hunting their own food. 6. House Hacking House hacking, in a nutshell, is buying property and recruiting others to help you pay the mortgage. Riley Adams and his girlfriend (now wife) lived in a three-unit residential property in New Orleans cost-free for three years. Their house-hacking arrangement involved renting one unit out and having Airbnb guests in the other, which covered the mortgage. House hacking is also possible without living in a multiunit property. Kristine Dowhan became an Airbnb host, listing three bedrooms of her four-bedroom home to afford her mortgage. She even made a $1,200 profit her first year renting out rooms. Even if you don’t have extra bedrooms in your home, you can get creative with the space you do have. John Potter rented out a tent in his backyard on Airbnb. Talk about thinking outside the box! Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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How to Fix 6 Common Retirement Mistakes

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How to Fix 6 Common Retirement Mistakes
Retirement is no fun when you’ve got a broken nest egg. Financial missteps can ruin your retirement hopes and dreams. But don’t despair. We have some remedies. Here are some of the most common mistakes that people make as they near retirement or when they retire — and how to fix them: The age at which you begin receiving Social Security retirement benefits is a major factor in... [...]
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Boat Loan Calculator: Estimate Your Payments

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Boat Loan Calculator: Estimate Your Payments
If you need a boat loan to cover the purchase of a new or used boat, a loan calculator can help you determine what size or type of vessel you can afford. Use this boat loan calculator to estimate the cost of a personal loan used to finance a boat. Enter your expected loan amount,... Steve Nicastro is a writer at NerdWallet. Email: steven.n@nerdwallet.com. Twitter: @StevenNicastro. The article Boat Loan Calculator: Estimate Your Payments originally appeared on NerdWallet. [...]
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Jackson Hewitt Holds Week-Long Hiring Event to Fill 25,000 Seasonal Jobs

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Jackson Hewitt Holds Week-Long Hiring Event to Fill 25,000 Seasonal Jobs
Seasonal jobs aren’t just for retail. And tax jobs aren’t just for CPAs. Jackson Hewitt, the nation’s second-largest tax preparation services company, is filling 25,000 job openings ahead of the 2020 tax season. To jumpstart the hiring process, the company is hosting National Hiring Week across an estimated 6,000 tax-services locations. The multi-day event runs Nov. 11-15. Individual locations pick their own time and date within that range.  During the event, candidates can walk into any local Jackson Hewitt location — 3,000 of which are located inside Walmart stores — to ask questions, apply and be interviewed on the spot for predominantly two seasonal positions: tax preparer or client support associate. Pro Tip To find your nearest Jackson Hewitt office, enter your city or ZIP code in the company’s Office Locator database. “We are looking for qualified candidates who are focused on delivering the best customer experience to join our team, regardless of their experience,” CEO Alan D. Ferber said in a statement.   Client support associates are on the front lines of Jackson Hewitt stores. They greet customers, verify and enter W-2 information into a database and field calls regarding basic tax and appointment information. To qualify, applicants should have a high school diploma or GED and the ability to carry up to 55 pounds. Bonus points for previous customer service or sales experience.  The tax preparer positions are more selective. Applicants with call center experience and an Enrolled Agent certification are preferred. Basic requirements include a high school diploma, some related experience in retail, sales or customer support, and a Preparer Tax Identification Number (PTIN) issued by the IRS. Tax preparers conduct in-person interviews with customers to help them fill out and file tax forms correctly. They consult company materials and government regulations to answer nuanced tax questions.   PTINs are used to track and publically list tax preparers in an IRS database. The process of obtaining one, according to the IRS, takes 20 minutes. Basic tax return information and other personal information is required during PTIN registration. Jackson Hewitt did not respond to The Penny Hoarder’s questions about pay, but numerous Glassdoor reviews indicate hourly wages for both positions are between $10 and $11. Seasonal workers aren’t eligible for typical benefits packages, but all Jackson Hewitt employees can receive free continuing education courses in tax preparation. The tax courses count as college credit at the University of Phoenix and may be applied toward the IRS’s Enrolled Agent certification requirements. How to Prepare for an on-the-Spot Hiring Event Walking into a store alongside dozens of other candidates may sound taxing. We’ve compiled tips from hiring event recruiters to help you feel confident. Check if you need to apply online — Each location is unique. Some may have application stations for you to apply to a position on-site. Other smaller stores may not. Always double check beforehand. And having an extra resume on-hand will never hurt. Dress business casual — Business casual is a safe way to go for most entry-level positions. If you’re unsure, drop by the store before the day of the event and scout out what employees are wearing. Then match your outfit to the job you want. Be ready to interview — During an event, it’s common for a hiring manager to ask a few screener questions, and if all goes well, interview you on-the-spot. Come prepared to answer behavior-based questions, which gauge how you react under certain circumstances. For additional tips, read our guide to preparing for an in-store hiring event. Then go get yourself a new job. Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Shoppers Share Black Friday Strategies That Actually Work

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Shoppers Share Black Friday Strategies That Actually Work
If at first you don’t succeed, talk to someone who has. Black Friday is arguably the biggest discount day of the year, but making the most of it requires some practice, planning and strategy. So ahead of Black Friday on Nov. 29, we talked with shoppers and shopping experts to hear their best — and... Courtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. The article Shoppers Share Black Friday Strategies That Actually Work originally appeared on NerdWallet. [...]
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Here’s a Legitimate Way to Get up to $5K in Free Cash When You Buy a House

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Here’s a Legitimate Way to Get up to $5K in Free Cash When You Buy a House
Are you thinking of buying a home? Maybe it’s time to stop renting and start owning — or you’re ready to trade in your current home for a bigger, better one in another location. If you’re ready to pursue the American dream of homeownership, there’s one important and surprising step you might want to take first — something you may not have thought of. You can actually get cash back on your home purchase — as much as $5,000. Unbelievable, huh? Normally when you think “cash back,” you think about getting a little bit of money back on your debit-card purchases or for certain items at the grocery store. Let’s think bigger — a lot bigger. We’ve found a rewards site called Cash Direct Club, and it’ll pay you some serious cash for major purchases. How to Get Paid Within 30 Days of Closing At first glance, Cash Direct Club appears to be similar to other cash-back sites. Namely, it allows you to get paid when you shop at more than 200 major online retailers. Look closer, though, and you’ll see a big difference. You can earn up to $5,000 if you buy a home through one of 20,000 top real estate agents across the U.S. in the club’s network. Trust us: It’s important to have a real estate agent you’re comfortable with, and that’s why this company has gone to great lengths to build a huge network of agents. It earns a commission for referring you — and shares it with you. “When you purchase a home, we then pass along part of those earnings to you as cash back,” the company says. “It’s that simple!” Here’s how to earn that $5,000 rebate when you buy a home: Fill out a quick and simple form on Cash Direct Club’s website.  Get matched with a real estate agent in your area.  Buy a house, and get paid within 30 days of closing. You’ll Find More Ways to Get Paid, Too If you want to buy a home, this looks like the best deal for you. Beyond that, you can keep earning by shopping (and saving) with Cash Direct Club. You’ll immediately earn $3 when you install its web browser button and another $3 if you download the app. You can also shop online directly through Cash Direct Club’s website, by clicking on the retailers listed there. And you’ll get a $20 bonus when you make your first purchase. Here’s what else it offers: Earn up to double cash back at many retailers when you spend at least $125 on a single purchase. Earn $100 cash back if you get a personal loan through the site. (Its partner lender offers loans of $1,000 to $50,000 for terms of three or five years.) Earn up to $10 when you refer a friend — $5 when they make their first purchase, and another $5 when they make a purchase of over $125. Now get house-hunting! Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He likes cash just as much as you do. 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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Seniors Rate This Type of Medicare Higher for Satisfaction

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Seniors Rate This Type of Medicare Higher for Satisfaction
Choosing between the two main types of Medicare is perhaps the biggest decision that Medicare recipients face. Deciding to go with Original Medicare or Medicare Advantage is not a one-time decision, either. Recipients must make it when they first enroll in Medicare, and they have an opportunity to switch from one type of Medicare to the other during open enrollment periods. [...]
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Bye Bye Banking Integrations, Hello Bud

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Bye Bye Banking Integrations, Hello Bud
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. If as a fintech you’ve ever exposed yourself to the forgettable experience of trying to work with a bank, possibly participating in their endless ‘innovation sprints’ or graveyard show […] The post Bye Bye Banking Integrations, Hello Bud appeared first on Daily Fintech. [...]
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Senior Citizens Can Go to College for Free or Cheap in All 50 States

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Senior Citizens Can Go to College for Free or Cheap in All 50 States
We’re living longer than ever before, and doing so in better health. So what can you do when you retire and want to keep your mind sharp or need to gain additional skills to stay competitive at work? For many, the answer is to go back to school. But tuition can be prohibitively expensive. At the same time, schools want their classrooms to be full of engaged students, regardless of age. In the interest of continuing education, many colleges and universities offer reduced or free college tuition to senior citizens (typically, adults 60 and up, although the rules vary). In fact, we found at least one option in every state! Free (or Cheap) College for Seniors in Every State  While some institutions only allow senior students to audit classes, many offer the chance to earn credits toward a degree at a reduced — or completely waived — tuition rate. Does your state have a continuing education you can use in your golden years? Find out below! 1. Alabama Alabama seniors can attend any two-year institution within the state tuition-free. Adults 60 and older should contact the financial aid office at any community college for admission and eligibility details. 2. Alaska The University of Alaska waives tuition for senior-citizen residents who receive full social security benefits. Seniors must wait until the first day of classes to enroll to ensure that there’s space remaining; they must also complete a tuition-waiver form. Additional costs such as student activity, health center and lab fees are not covered; the student must pay them directly. 3. Arizona All 10 campuses of Maricopa Community College allow senior citizens to take classes for credit at 50% of the full tuition cost. Students 65 and older must register between the first and second class sessions of the semester to ensure space is available. 4. Arkansas Arkansas waives tuition for anyone 60 and over who wants to work toward an undergraduate or graduate degree at state institutions. Student fees may apply and senior citizens may only register for classes with space available. 5. California   California State University waives all tuition and dramatically reduces campus fees for residents age 60 or older. 6. Colorado Students age 55 and older may attend class on a space-available basis at Colorado State University. There is no tuition fee, but visitors don’t get credit for attending class. At the University of Colorado Denver, persons aged 60 and above may enroll on a no-credit basis to attend up to two classes per semester as auditors when space is available. Courses with a lab component are excluded, along with computer courses. 7. Connecticut Residents 62 and up may attend state colleges, including community colleges, for free on a space-available basis. At Central Connecticut State University, for example, tuition is waived for any resident over the age of 62 who applies for full- or part-time admission for a degree-granting program. Senior students may also take non-credit courses on a space-available basis and have tuition waived. All students must still pay all other fees.  8. Delaware The University of Delaware, Delaware State University, and Delaware Technical and Community College all permit state residents age 60 or older to audit or take classes for credit for free. At the University of Delaware, students wishing to use the program must apply for admission on a space-available basis. Some graduate degrees may be eligible, as well. Participants must pay all related student fees and buy their own textbooks. 9. District of Columbia Senior citizens 65 and up may audit undergraduate courses from Georgetown University’s School of Continuing Studies. These students pay a fee of $50 per course. 10. Florida The Florida college system waives application, tuition and student fees for those age 60 and above, but colleges will award no credit and will grant admission on a space-available basis. Fun fact: Florida Atlantic University’s Lifelong Learning Society has the largest adult continuing education program in the U.S. It even has its own auditorium on campus to help serve FAU’s 27,000 new registrants each year. 11. Georgia Georgia residents age 62 and above may take classes on a space-available basis for free at the state’s public colleges. Seniors may choose to take classes for credit or continuing education, but they must apply through the regular admissions process at their school of choice. 12. Hawaii The Senior Citizen Visitor Program at the University of Hawaii and state community colleges allows senior residents to attend courses free of charge.  Schools will not award credit nor will they keep permanent records of students’ class history. 13. Idaho Programs in Idaho vary based on institution, but some schools offer good deals. The College of Southern Idaho offers a Gold Card for students age 60 years and older, which allows them to take non-credit classes tuition-free. At Boise State University, Idaho residents who are at least 65 years old can audit classes on a space-available basis for free except for applicable special course fees. 14. Illinois Upon admission, any senior citizen age 65 and up who meet income requirements can attend regular credit courses at Illinois public institutions for free. Lab, student and other fees still apply. 15. Indiana Purdue University and Indiana University each offer programs that allow retired residents age 60 and to take up to nine credit hours per semester and pay just 50% of in-state tuition fees. 16. Iowa Private institution Simpson College in Indianola allows people 65 and older to take one non-credit class for free per semester. Course are open on a space-available basis and do not include lab courses. 17. Kansas Kansas residents 60 and older can audit courses at state institutions on a space-available basis without paying tuition. The registration process varies: The University of Kansas and Wichita State University, for example, both require senior auditors to apply for admission. 18. Kentucky Tuition and fees are waived for students age 65 and older taking classes on a space-available basis. Residents must be admitted to a state-supported school to take advantage of this discount. 19. Louisiana Students age 55 and up attending Louisiana state schools receive free tuition and 50% off books and materials at the campus student bookstore. 20. Maine Senior citizens 65 and up may attend undergraduate classes as degree-seeking or audit students in the University of Maine System for free, subject to space availability. 21. Maryland Any student in the University of Maryland System who’s retired and over the age of 60 may have tuition waived, even for degree-granting programs. 22. Massachusetts Residents age 60 or older can take at least three credits per semester at any state-supported school in Massachusetts and receive free tuition. 23. Michigan Opportunities for seniors in Michigan vary by institution. At Michigan Tech, for example, students 60 and older can have tuition waived for up to two courses per semester. Seniors must apply through the admissions office. Western Michigan University invites seniors 62 and older to register for one class per semester tuition-free. At Wayne State University in Detroit, seniors 60 and up receive a 75% discount on tuition, but must pay registration and related fees. 24. Minnesota Minnesota waives tuition for senior citizens 62 and older, but fees may vary by school. At the University of Minnesota, seniors pay a $10 fee per credit, but can audit for free. 25. Mississippi There’s no statewide benefit in Mississippi, but some schools have programs for seniors.  Mississippi State University provides a waiver to residents age 60 or older for classes offered on the Starkville or Meridian campuses or by the Center for Distance Education. Seniors are limited to six semester hours per semester and a maximum of 18 credit hours per calendar year, where space is available. University of Missis [...]
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Gap Factory: Women’s Puffer Vest only $18.39 shipped (Reg. $50!)

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Gap Factory: Women’s Puffer Vest only $18.39 shipped (Reg. $50!)
This post may contain affiliate links. Read my disclosure policy here. These Puffer Vests are perfect for fall and wintertime! Gap Factory has these Women’s Puffer Vests only $18.39 when you use the promo code FRIENDS at checkout! You can also use the promo code SHIPPED to score free shipping! This is regularly $49.99 so this is a fantastic deal. Choose from several color options. Psst! You can also still get this Women’s Hooded Puffer Jacket for just $35 shipped! Thanks, Wear It For Less! [...]
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Gap Factory: Women’s Puffer Vest only $18.39 shipped (Reg. $50!)

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Gap Factory: Women’s Puffer Vest only $18.39 shipped (Reg. $50!)
This post may contain affiliate links. Read my disclosure policy here. These Puffer Vests are perfect for fall and wintertime! Gap Factory has these Women’s Puffer Vests only $18.39 when you use the promo code FRIENDS at checkout! You can also use the promo code SHIPPED to score free shipping! This is regularly $49.99 so this is a fantastic deal. Choose from several color options. Psst! You can also still get this Women’s Hooded Puffer Jacket for just $35 shipped! Thanks, Wear It For Less! [...]
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My Favorite Thing About Fall — Clothes! #WearBlairWell

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My Favorite Thing About Fall — Clothes! #WearBlairWell
This is a sponsored post on behalf of Blair.  All opinions are my own. I don’t know about you, but I am thrilled fall is finally here!  No more scorching summer days, we are back to our routine, and the colors are gorgeous. But that is not all I love about fall. I love the ... Read More about My Favorite Thing About Fall — Clothes! #WearBlairWell The post My Favorite Thing About Fall — Clothes! #WearBlairWell appeared first on Penny Pinchin' Mom. [...]
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Want to have a stress-free December?

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Want to have a stress-free December?
Want to get a head start on Christmas? Would you like to feel less stress and more joy this Christmas? Already feeling a little overwhelmed thinking about December? I’ve invited Kaley Ehret to join me on Thursday, November 7, 2019 at 12 p.m. CST/1 p.m. EST to teach us three strategies for having a stress-free December.  Kaley used to dread the arrival of Christmas because of her giant To Do list and all of the expectations of the season. But she discovered some techniques that have transformed her approach to the holiday season and it has helped her to love Christmas again. She’s going to give you the tools you need to head into the holiday season with a sense of clarity and calm, rather than stress and frustration. Does that sound good to you? I know it does to me! So what are you waiting for? Go here and sign up for this special class — it’s FREE! photo credit [...]
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Square`s growth strategy and the masses

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Square`s growth strategy and the masses
The ten-year-old Fintech that listed on NYSE exactly 4 years ago – November 2015 with the ticker symbol SQ; continues to innovate. It is best known as a B2B Fintech in the payments space that had huge success with small merchants globally. It grew with POS terminals and smart credit card readers. As a publicly-traded […] The post Square`s growth strategy and the masses appeared first on Daily Fintech. [...]
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Serve Your Country While Tackling Student Loan Debt — Here’s How

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Serve Your Country While Tackling Student Loan Debt — Here’s How
If you’re looking for an easy way out of your student loan debt… this isn’t it. But if you’re ready to make a commitment to protecting and defending your country, you may find relief through a debt forgiveness program.  And you’d have plenty of company in your… company, since approximately 200,000 active duty members owe a collective $2.9 billion in student loan debt.  But as a service member, you have a few more options for wiping out your student loan debt than your civilian counterparts. So pay attention.  Military Student Loan Forgiveness If you’re ready to serve your country after graduating college, you have options for attacking your student loan debt. Although you can also qualify for other programs unrelated to your service, such as teacher student loan forgiveness or nursing school loan forgiveness, we’ll focus on the options that depend on your work in the military. National Defense Student Loan Discharge (aka Perkins Loan Forgiveness) If you served in a hostile fire or imminent danger pay area, you qualify for the National Defense Student Loan Discharge, which is part of the Perkins loan cancelation program (the Perkins loan program ended on Sept. 30, 2017).   Loans are discharged according to the following classifications: Up to 50% for four years for borrowers whose active duty service ended before Aug. 14, 2008. Up to 100% for five years for borrowers whose active duty service includes or began on or after Aug. 14, 2008. Public Service Loan Forgiveness (PSLF) This is probably the most well-known forgiveness option — although “notorious” might be a better adjective for it. Out of the approximately 76,000 PSLF applications that were processed by March 2019, only 518 applications were approved. For those who didn’t major in math, that’s less than 1%.  Pro Tip If you make too much to qualify for an income-driven repayment plan, don’t bother with PSLF since the standard payment plan will leave you with nothing to forgive after 10 years. And the program that was supposed to fix the problem — Temporary Expanded Public Service Loan Forgiveness (TEPSLF)? Yeah, it turns out the acceptance rate for that one nearly matches the original. Be prepared for a long wait — it takes a minimum of 10 years to qualify — and to follow a lot of rules in regards to the type of loan, repayment program and employment eligibility. To help you navigate the process, check out these seven essential questions to ask about Public Service Loan Forgiveness. Total and Permanent Disability Discharge If you become totally and permanently disabled during your service, you’ll automatically have your student loan debt discharged. (Your student loans also get canceled if you die, but let’s not consider that as an option, OK?) Prior to August 2019, you still had to fill out the TPD Discharge application, but now the discharge is automatic for veterans. Veteran Affairs will alert the Federal Student Aid office as to your eligibility. The office will then notify you, at which point you will have 60 days to decide if you want to decline the loan relief.  Pro Tip If you think you may go back to school again some day, understand that accepting the disability discharge could make it more difficult to take out future student loans. Why would you decline? Although the discharge isn’t subject to federal taxes, the discharged amount may still be considered income for state tax purposes.  If you don’t decline, your remaining student loan balance will be discharged and you’ll be reimbursed for any payments made following the date of the discharge. Get more details about the total and permanent disability discharge (TPD) program here. Repayment Programs for Service Members As a service member, you’ll find multiple programs that will repay some of your debts, but none of these programs forgives the loan and interest in its entirety — and all of the forgiven amounts are taxable. Armed Forces Education Loan Repayment Program Following a complete year of active-duty service, you’ll become eligible for benefits available through most branches of the service (sorry, Marines).  Depending on which branch you choose, you’ll see the loan repayment programs referred to as College Loan Repayment Programs (CLRP) or Student Loan Repayment Programs (SLRP). Pro Tip If you’re rehabilitating a student loan in default, you’re allowed an interruption in the consecutive pay period until after your qualified military service is completed. All of the programs repay direct federal loans (subsidized and unsubsidized); other federal loans may be eligible, depending on the specific program. And each come with enlistment and/or testing qualifications, so ask your recruiter about specific requirements for your program: Air Force: Soaring with the Air Force Reserve for up to six years could really pay off. Annual payments will be $500 per each qualifying loan or 15% of the outstanding balance, whichever is greater, for up to $3,500 for each year of satisfactory service. Maximum amount: $20,000. If you’re taking the legal eagle route, the Air Force has a three-year student loan repayment program for you. You can qualify after completing your first year as a Judge Advocate General (JAG) officer. Maximum amount: $60,000 Army: The Army has multiple loan repayment programs to choose from, depending on your status. For active duty members, the maximum annual benefit is a third of the current principal balance or $1,500, whichever is greater, for each year of service up to three years. Maximum amount: $65,000. Navy: For active duty members, the maximum annual benefit is one-third of the current principal balance or $1,500, whichever is greater, for each year of service up to three years. Applicants must be approved before shipping to RTC, according to Terrina Driscoll with Navy Recruiting Command. Note: To be eligible for the loan repayment program and 100% of your Montgomery GI Bill benefits, you must reenlist for additional three years  or have a 6 year Active contract. Maximum amount: $65,000. Coast Guard: For six years of service, you’ll receive up to $10,000 per year to repay loans at qualified minority-serving institutions. Maximum amount: $60,000. National Guard: You’ll need to enlist for at least six years for annual disbursements through the National Guard repayment program. Maximum amount: $50,000. Health Professions Loan Repayment Program (HPLRP) If you’re a health professional with student loans to repay, providing your services to the military could help you out of debt.  Both Active and Reserve members of the Army can receive assistance through separate programs. For example, nurses in the Army Reserve are eligible for up to $50,000 toward student loan repayment over three years of service. For the Navy, you must be a commissioned officer enrolled in the final year of an approved residency program leading to specialty qualification in medicine, dentistry or osteopathic medicine. The maximum award is $40,000. And if you’re Air Force, you’ll receive up to $40,000 to cover your health profession education in exchange for at least two years of service. Additional Student Loan Benefits for Service Members Even if you don’t receive forgiveness of your loans, you can deploy these reduced interest and deferment programs as a member of the military. Servicemembers Civil Relief Act (SCRA) Interest Rate Cap: Interest on student loans you took out prior to your military service is capped at 6% during periods of active duty. Military Service Deferment: You can postpone loan repayment during certain periods of active duty and while you prepare to go back to school following your active duty. 0% Interest: If you serve in a qualifying hostile area, you don’t have to pay interest for up to 60 months. HEROES Act Waiver: The Education Department waives many documentation requirements — think: updating your family size and income f [...]
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7 Reasons to Get the Wells Fargo Propel American Express Card

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7 Reasons to Get the Wells Fargo Propel American Express Card
The Wells Fargo Propel American Express® card isn’t for everyone. This low-frills, low-cost AmEx card has little to offer travelers who are loyal to a specific airline or hotel chain and it has even less appeal for users seeking luxury perks like elite status or upgrades. But a host of unique features make this highly... June Casagrande is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 7 Reasons to Get the Wells Fargo Propel American Express Card originally appeared on NerdWallet. [...]
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15+ Beauty Gifts for Her Under $30

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15+ Beauty Gifts for Her Under $30
This post may contain affiliate links. Read my disclosure policy here. Looking for the best beauty gifts for her (or maybe beauty stocking stuffers) this holiday season? We have you covered with this Beauty Gift Guide — and they’re all under $30 to help you stick to your gift budget! {And be sure to follow along as we post the hottest beauty deals each day throughout the season!} This Holiday Beauty Gift Guide was thoughtfully put together by Gretchen on the MoneySavingMom team — a lover of all things makeup, beauty, and fashion! Gretchen is married to her high school sweetheart and has three little boys. She enjoys finding good deals (especially on beauty stuff!), decorating, coffee, and good books. Have someone on your list who loves all things beauty? Or maybe you have a mom on your list who could use a little pampering? Check out this list of great ideas for beauty gifts and beauty stocking stuffers! Beauty Gifts for Pre-Teen/Teenage Girls 1. Sparkle On Makeup Collection – Have a daughter who’s just getting into makeup? This Sparkle On Makeup Collection is the perfect set for her to have fun. It includes eyeshadow, lipstick, eye liner and more. 2. 4 Pack Boho Style Criss Cross Headbands – These headbands make a messy bun look cute and stylish. Made from super soft cotton and breathable, they’re perfect for everyday use. 3. Merry & Bright Masking Kit – One of my favorite things to do with my pre-teen and teen nieces is face masks! This masking kit includes four masks and one scrunchie. 4. Velvet Hair Scrunchies – Scrunchies are all the rage right now and this set includes 45 different colored scrunchies! Beauty Gifts for Her 5. Conair Foot Spa with Soothing Vibration Massage – I was gifted one of these a few years ago and it has become one of my favorite gifts. I’ve even used it when having friends over for a spa night to do pedicures and relax! 6. 14-Piece Makeup Brush Set – Every woman can use a new set of makeup brushes! This one includes 14 different sizes and has thousands of amazing reviews. 7. Soft Yarn Cable Knitted Memory Foam Slippers – These slippers look warm and cozy and have great reviews. Plus, there are several colors to choose from. 8. Bath & Body Works Body Wash and Shower Gel – You won’t go wrong gifting the women in your life body wash and/or shower gel from Bath & Body Works. They have SO many lovely scents to pick from and I love receiving these as gifts. 9. Gold Eye Treatment Masks – I asked for these on my last birthday and LOVE them! They are so rejuvenating and help with my puffy eyes after not getting much sleep. Beauty Gifts for Mom 10. Glam Up Facial Sheet Mask Set – Moms need all the skin care they can get! This set is perfect to gift a mom and includes 12 masks – one for each month of the year. 11. Bath Bombs Gift Set – There’s nothing better as a mom than getting to soak in a relaxing, scented bath! This set has eight stress-relieving, scented bath bombs including Jasmine & Chamomile, Coconut & Shea Butter and more! 12. Mama and Baby Bear Necklace – I LOVE my mama bear jewelry! This necklace is so pretty and is hypo allergenic. It is made from stainless steel so it won’t rust or change color. 13. Multi-Zipper Crossbody Handbag Purse – About a year ago I switched to a crossbody purse and haven’t looked back. When I’m juggling three kids at the grocery store, it’s so nice to not have to worry about finding room in the cart for my purse or struggling to carry it on my shoulder with a toddler on my hip. This purse comes in so many cute colors! 14. Bluetooth Sleeping Eye Mask – I’m not going to lie…this is going on my Christmas list. As a mom of littles, good sleep is a rare thing. But good sleep AND good music? I’m sold! Beauty Stocking Stuffers 15. Raytix Nail Clipper Set – Every girl needs a pocket sized manicure set to fit in her purse. This one includes 5 tools and has great reviews. 16. Bath and Body Works Hand Sanitizers – These hand sanitizers are perfect to fit in your purse or backpack and come in handy so often. I make sure to always have one on me and love the scents that Bath & Body Works offers. And they often run sales on these during the holidays — making them perfect little beauty stocking stuffers on the cheap! 17. Natural Luxury Scented Soy Wax Candles – I love candles! This set includes eight luxury scented candles – perfect for a quiet, relaxing evening at home. 18. All-Natural Lip Balm Gift Set – It’s always nice to have lip balm especially during the cold winter months. This set includes five Beeswax Chapsticks that are gluten free, free of parabens, and non-GMO. Bonus Ideas (Over $30) Have a little extra wiggle room in your Christmas budget and willing to spend a bit more? Try one of these bonus recommendations: 19. Revlon One-Step Hair Dryer & Volumizer Hot Air Brush – This brush not only dries your hair, but smoothes it and curls it all at the same time giving you a salon blowout look right from home. 20. Dip Powder Nail Kit – Dip powder is all the rage right now at the nail salons! If you know someone who loves doing their nails, consider getting her a dip powder starter kit like this one! Dip powder is much better for the nails and it lasts so long! Plus, it’s actually pretty easy to learn how to do on your own. 21. FabFitFun Box – This quarterly subscription box of all things fashion and beauty is such a unique gift idea! Each box comes with over $200 worth of full-sized products — all for just $49.99 shipped! What other beauty gift ideas would you add to this list? Let us know in the comments!! Psst! Be sure to follow along as we post the best beauty deals each day! And sign up for our hot deals newsletter to make sure you don’t miss any of the hottest deals each day! More Holiday Gift Guides Looking for other budget-friendly holiday gift guides? Stay tuned as we roll out several more gift guides over the next couple of weeks — put together by several different MoneySavingMom.com team members! [...]
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Fintech based inclusion before it was famous – interview with Accion CEO Michael Schlein

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Fintech based inclusion before it was famous – interview with Accion CEO Michael Schlein
This is one of our Fintech From A Peak Interviews, where we talk to people making a big difference in people’s lives with fintech services, Accion, founded in 1961, is hardly an overnight sensation. This is a story of quietly doing the right thing for a long time and then suddenly the world catches up. Today Accion […] The post Fintech based inclusion before it was famous – interview with Accion CEO Michael Schlein appeared first on Daily Fintech. [...]
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How to Get on the Same Money Page As Your Spouse

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How to Get on the Same Money Page As Your Spouse
You and your spouse are tight. You’ve got your catalog of shows you love to chill and watch together. You communicate with words and phrases built over the years of your marriage. And insider jokes? The two of you share these naturally by text throughout the week. But then…there’s money. It seems to be this ... Read More about How to Get on the Same Money Page As Your Spouse The post How to Get on the Same Money Page As Your Spouse appeared first on Penny Pinchin' Mom. [...]
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Ready to Leave Your Bank? How to Make the Switch in 5 Easy Steps

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Ready to Leave Your Bank? How to Make the Switch in 5 Easy Steps
Love them or hate them, there’s no escaping the fact that you need a bank to keep your money safe. But if your current bank isn’t cutting it, you may be wondering how to switch banks and if switching to a new one is more trouble than it’s worth. If you’re looking to change banks but aren’t sure where to start, this step-by-step guide will set you in the right direction. What to Consider Before Switching Banks Before you do anything with your current bank account, you’ll need to choose a new bank. Here are some things to consider. Bank or Credit Union? The first decision you’ll need to make: credit union vs. bank.  The main difference between the two is how they are run. Banks are designed to make a profit by investing their money and growing their business. Credit unions are owned by members, who receive dividends on annual profits. Each have their pros and cons. Online or Traditional? Many credit unions are local organizations, so you’re likely to have an ATM close by you.  Banks can be trickier. Local banks and larger national banks may have physical branches in your area so you can stop by and speak with someone in person with any questions or issues. But if you choose a bank without a physical branch near you or an online bank that doesn’t have brick-and-mortar locations, you’ll need to ask your questions online or over the phone. That can be stressful if customer service isn’t up to scratch. You could also end up paying ATM fees if your bank doesn’t have a location near you, but many online banks will reimburse these fees. Perks and Benefits When you choose a bank, consider how much interest your money will earn, as well as any perks or benefits offered. You might be eligible for a cash bonus just for joining.  But you’ll also need to weigh the perks against the fees, including overdraft charges. Also be aware of any minimum balance requirements. Read Reviews You might find a bank or credit union that looks perfect for you, but what do current customers think? Look for reviews online and ask your friends or family members to share their experiences. You might be put off by bad reviews and continue your search, or you might find good reviews of your chosen bank that put your mind at ease. How to Switch Banks in 5 Steps Ready to say goodbye to your bank? Here’s how to switch banks in five easy steps. 1. Open Your New Account Once you’ve decided on a bank or credit union, you can start the process of opening a bank account. Whether you do this online or in person, it’s important to be prepared with the right documents, including a photo ID. You’ll want to open your new account at least a few weeks before you want to make the official switch. This will ensure that your bills will be paid and you won’t be hit with late or overdraft fees. 2. Redirect Automatic Payments You probably have a lot of your bills set up to autopay from your bank account. It’s vital that you switch these automatic payments to your new account as soon as possible to avoid missing payments. Make a list of all the automatic payments you have. This might include, but isn’t limited to, the following: Mortgage or rent Car payment Student loan payments Credit card payments or other loans Utilities, including gas, electric and water TV provider, including cable, satellite and streaming services Car insurance Internet  Cell phone bill Gym or other club memberships Charitable donations Check previous bank statements to make sure you have all automatic payments listed. Once you have your list, start switching over your autopay information. It’s a good idea to ask for an email receipt for confirmation. Pro Tip Go back through 12 full months of bank statements to make sure you don’t miss automatic payments that you only make quarterly or annually.  3. Contact Your Employer Many employers, especially larger ones, pay via direct debit. Contact your employer ASAP to let them know your new account details to avoid a paycheck delay. Your employer may require you to fill out a form with the new information or provide a voided check. Make sure you ask exactly what they need from you to ensure the switch goes smoothly. If you have more than one employer or receive other direct deposits, such as child support payments, make sure you update that information as well. 4. Transfer Your Money Once you’re sure your automatic bill payments and direct deposits are up to date, move any remaining money from your old checking and savings accounts to your new ones.  Depending on your bank, you may be able to transfer the money to your new account free of charge. If you’re faced with a fee for the privilege of moving your money, you can request a check from your old bank that you can deposit into your new account. 5. Close Your Old Account Once your new account is set up and established, it’s time to close your old account. Wait a month or two to make sure all direct deposits and automatic payments are set up properly with your new bank before closing your old one. The last thing you want is to have your water cut off for non-payment when you thought you’d switched that bill over. Make sure you’ve paid off any outstanding balances on your old accounts before moving funds. Failing to do so could make it harder to open bank accounts in the future. No matter why you’re switching banks, it’s important that you feel confident in your decision. Follow these steps to ensure an easy transition between your old and new banks. Catherine Hiles is a writer, mother, runner and avid reader. She enjoys cooking (and eating), good beer and spending time with her husband and two young children. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Life Update: Pregnancy (week 14), Hawaiian fun, Seussical

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Life Update: Pregnancy (week 14), Hawaiian fun, Seussical
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 14 weeks — and officially into the second trimester!! (This isn’t the best pregnancy photo, but this is the only one I got this week so it will have to do. Jesse took it so I could post the amazing $10.95 deal on these shirts — the deal ends tonight!) HIGHLIGHTS The baby seemed to have a big growth spurt over the past 6 days. And we’ve officially hit the no more flat stomach in the morning stage. (Also, I cannot BELIEVE how much my stomach pops by the end of the day most days!! It’s like I grow by 5 inches! Okay, I haven’t actually measured, but that’s sure what it feels like!) NOTABLE I actually had a lot more energy than I’ve had in *weeks* the past few days!! And I’ve actually been craving salads and healthy food again. It feels SO good to be back to much more normal eating again. I was really, really sick to my stomach two mornings this past week, but it went away after a few hours and I am so grateful. CRAVINGS Cheese, sour cream, whipped, yogurt, milk, ice cream… notice a theme here? It’s a good thing I don’t have any dairy allergies!! WEIGHT GAIN: 6 pounds We have another doctor’s appointment in a few days, which I’m excited about. (I think pregnancy is probably one of the few times when you look forward to going to the doctor!) Our youth group hosted a Fall Festival for our church kids and the community. Each youth group small group chose a theme and dressed up, planned a game, and decorated our room for that theme. Can you guess what theme our group chose?? Around 200 kids came to the event and we were busy all night helping the kids play our game and passing out candy. It was such a fun night! These girls are just amazing and I’m so honored to get to be one of their small group leaders! One of the best parts of youth group is getting to co-lead our group with one of my best friends! If you need a laugh, go read this. Silas had his last baseball games of the fall season this past week. I loved how his coach spoke words of life over each boy at the end of the last game. Silas has been so blessed to have so many great coaches over the past few years who are so committed to pouring into young boys’ lives. Almost all of my girls from my youth group small group were performing in Seussical Jr. so of course I had to go cheer them on! Kaitlynn came with me to the show and we had so much fun together. I am always looking for opportunities to have one-on-one time with each of the kids. What I’m… Reading right now: Come Matter Here Watching right now: Figure skating! Listening to right now: I’ve been listening to Josh Groban and some Christmas music the past few days. Loving right now: The cooler fall temperatures — which means we can actually legitimately wear sweaters and boots! In Case You Missed It… How to Make Money Creating Printables — Looking for a way to add some extra income? You don’t want to miss this post! I Earned 117 Swagbucks Today — Need a little motivation to earn more Swagbucks and free gift cards? Here you go! Why I Stopped Drinking Coffee — A really honest post with details on how and why I stopped drinking coffee. [...]
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Afternoon Deals: Sunday, November 3

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Afternoon Deals: Sunday, November 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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China: The Age of BAT is over, as Pinduoduo taps into rural ecommerce

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China: The Age of BAT is over, as Pinduoduo taps into rural ecommerce
It’s hard to get past a month without stumbling on some astounding facts about China. The country is just behind Sweden in going cashless, however, digital payment growth in China is certainly a bigger story than it is in the whole of Scandinavia. The sheer volumes ($40 Trillion) of digital payments last year was unprecedented. […] The post China: The Age of BAT is over, as Pinduoduo taps into rural ecommerce appeared first on Daily Fintech. [...]
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Talking to David Siegel about Libra, Austrian Economics and Cryptocurrencies

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Talking to David Siegel about Libra, Austrian Economics and Cryptocurrencies
Our aim at Daily Fintech is to be a decentralized think tank where we get a diversity of opinions from around the world. One person whose thinking I have long admired is David Siegel. Even when I disagree with him, I always learn a lot, so we thought that the Daily Fintech community would benefit […] The post Talking to David Siegel about Libra, Austrian Economics and Cryptocurrencies appeared first on Daily Fintech. [...]
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Brigette’s $92 Grocery Shopping Trip and Weekly Menu Plan for 6

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Brigette’s $92 Grocery Shopping Trip and Weekly Menu Plan for 6
Aldi 2 64-oz carton Orange Juice – $3.28 1 64-oz carton Unsweetened Almond Milk – $1.49 1 gallon Whole Milk – $0.97 1 32-oz carton Half and Half – $1.55 1/2 gallon 1% Milk – $0.58 1 10-lb bag Russet Potatoes – $3.29 3 bags frozen Broccoli Florets – $2.65 1 pkg fresh Zucchini – $1.48 1 bag Mini Sweet Peppers – $1.59 1 pkg Romaine Hearts – $1.79 1 Pineapple – $1.39 1 Cauliflower – $1.79 1 pkg Grape Tomatoes – $1.09 1 pkg Mini Cucumbers – $1.59 1 large carton Organic Spring Mix – $3.49 1 carton Blackberries – $1.19 1 carton Strawberries – $1.39 1 bunch Bananas ($0.38/lb) – $1.28 2 pkgs Broccoli Crowns – $3.38 1 large bag Green Grapes ($0.89/lb) – $2.10 1 16-oz pkg Turkey Deli Meat – $2.85 1 10-lb bag fresh Chicken Quarters – $5.49 1 pkg (2.49lbs) 80/20 fresh Ground Beef, reduced – $3.94 1 pkg Pepperoni – $1.99 1 24-oz carton Cottage Cheese – $1.59 1 pkg Sliced Colby-Jack Cheese – $1.59 1 2-lb bag Shredded Cheddar Cheese – $3.99 1 pkg String Cheese – $1.95 1 can Whipped Topping – $2.45 1 large canister Quick Oats – $2.16 1 4-lb bag Sugar – $1.44 1 5-lb bag Flour – $0.99 1 jar Paprika – $0.79 1 box Rice Squares – $1.39 2 boxes Honey Nut Oats – $2.38 1 jar Balsamic Vinegar – $1.59 2 dozen Eggs – $1.54 1 jar Honey – $4.79 1 loaf Sandwich Bread, reduced  – $0.25 Total: $80.52 Harris Teeter 1 pkg Tortillas – $0.89 1 box Krusteaz Pancake Mix – $1.49, used $0.25 printable (doubled), plus receive $0.75 Rebate from Ibotta – $0.25 after Coupon and Rebate 1 bag Red Grapes ($0.99/lb) – $2.08 1 bag Pillsbury Best Bread Flour – $3.39 Total:$6.62 The things in the above are from a trip I took to Harris Teeter this past weekend during a 3-day Double Dollar Coupon Event. It has already ended, so I won’t put the coupon links in for you since these prices are no longer available. I got all of the above for $6.10 after coupons and rebates! Grocery Total for the Week: $93.24 Weekly Menu Plan Breakfasts Everyone is responsible for making/cleaning up their own breakfast. Choices include: Cereal, Oatmeal, Fruit, Yogurt, Smoothies, Fried/Scrambled/Boiled Eggs, Veggie Omelets, Toast Lunches Cheese Quesadillas, Grapes, Cucumbers x 2 Deli Meat/Cheese Sandwiches, Bananas, Carrots x 2 Baked Potatoes with Cheese/Cottage Cheese/Broccoli, Grapes, Mini Peppers Leftovers x 2 Dinners Pepperoni Pizza (using the flatbreads as crust), Tossed Salad, Green Beans Chicken Noodle Soup, Roasted Broccoli, Butterhorns Pancakes, Scrambled Eggs, Roasted Cauliflower Freezer-Friendly Barbequed Meatballs, Butterhorns, Green Beans, Tossed Salad, Fruit Salad, Cheesy Hashbrown Potatoes, The Best Soft Chocolate Chip Cookies (making enough of this meal to take to some friends who just had a baby) Classic Grilled Chicken, Mashed Potatoes, Steamed Broccoli, Fruit Venison Roast in the Crockpot, Green Beans, Creamy Milk Rice Leftovers [...]
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SEC Proposes Modernization of Filing Fee Disclosure and Payment Methods

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SEC Proposes Modernization of Filing Fee Disclosure and Payment Methods
On October 24, the Securities and Exchange Commission proposed amendments to update filing fee disclosure and payment methods. The proposed amendments would apply to most fee-bearing forms, schedules and statements, including Forms S-1, S-3, S-4, S-8 and S-11, related foreign private issuer forms, proxy statements, information statements, Schedule TO and certain Investment Company Act of 2940 forms. The SEC has proposed to replace the current fee disclosure structure — which is highly manual, labor intensive and not machine read-able — with a new disclosure regime requiring that the fee table on the cover page of a filing, together with all related explanatory notes, include all required information for the applicable fee calculations and be presented in a structured format using Inline eXtensible Business Reporting Language (Inline XBRL). This Inline XBRL format, with new required accompanying notes, would eliminate the need to include fee data in multiple places within a filing and the related EDGAR submission header, reducing the risk of data input error by the filer or its filing agent and enabling more efficient automated processing of fee calculation information by the SEC. The proposals are intended to streamline otherwise complicated fee disclosures, which may include fee “carryforwards” or offsets and which may involve multiple transactions by a filer. Amended forms would include new checkboxes for filers to indicate reliance on any carryforwards or offsets and require additional disclosure and notes, including a requirement to include the applicable fee rate and other inputs used to calculate the fee in the fee table. If implemented, the proposed amendments would allow for the SEC staff to use automated tools to review and validate payment information faster and more efficiently, replacing the current system of manual review of all fee information in every fee-bearing filing, and providing more certainty to filers that the proper fees have been paid. The SEC also proposed to modernize the processing of filing fee payments, by introducing an option for fee payment via ACH (in addition to the current option of using wire transfer) and removing the option to pay fees via physical check. The full text of the SEC’s proposed amendments is available here. [...]
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Afternoon Deals: Friday, November 1

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Afternoon Deals: Friday, November 1
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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6 Secrets From Couples Who’ve Paid Off Debt, Built Empires and Semi-Retired by 35

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6 Secrets From Couples Who’ve Paid Off Debt, Built Empires and Semi-Retired by 35
Are you one part of a couple? Someone’s better half? Partner in crime? That’s good news, because we’ve got plenty of money tips from real couples who’ve paid off debt, improved their credit scores and built business empires. They share their tips and secrets to financial success. And, hey, you two can even start using some of their strategies right now. Secret No. 1: Boost Your Nest Egg By “Starving and Stacking” Whether you want to build a nest egg or pay off a substantial amount of debt, the “Starve and Stack” savings method is perfect for couples, especially newlyweds. Here’s how it works: As a couple, you’ll combine your money and live off one income for 18 to 24 months. The other paycheck goes directly into a high-yield savings account or toward your debt. (Shoutout to Nick Vail over at Remove the Guesswork’s website who coined the term!) Personal finance writer Jen Smith put this strategy to the test. Her and her husband were able to pay off $78,000 of debt in two years due, in part, to this strategy. And, no, they didn’t have to starve without meals. Secret No. 2: Enjoy The Spoils of Passive Income and Semi-Retire by 35 Have you ever thought about investing in some real estate? No, you don’t need to have enough money saved for a down payment — you can start with a minimum investment of $500. Through the Fundrise Starter Portfolio, your money will be invested in portfolios of real estate around the United States.  You can see exactly which properties are included in your portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina. And you don’t have to be the landlord — Fundrise does all the heavy lifting. As tenants pay their rent, you can earn money through quarterly dividend payments and potential appreciation of the property.  We talked to Christopher and Meghan Miller, who at just 35 and 29, quit their full-time jobs and bought two acres in Berryville, Virginia. They live off their savings and income from side gigs — and use sources of passive income, like Fundrise, to add to their financial security. They own rental properties, too, but Christopher said Fundrise is even better: “I view our investments in Fundrise as something even more passive than the rental properties we own. I don’t have to manage them; I don’t have to do the work to improve the properties; I don’t have to find tenants, evict tenants.” Plus, it only takes $500 to get started with Fundrise — not $50,000. Secret No. 3: Make Improving Your Credit Scores a Team Sport If you and your partner have plans to buy a car or home — or even rent a place — you’ll need a healthy credit score. But if you’re like many of us… when’s the last time you even checked your score? Let’s start there. We suggest using a free website called Credit Sesame. We like it because, again, it’s free, and it takes less than two minutes to sign up. Once you have access to your score, you can take steps to improve it with Credit Sesame’s personalized recommendations. Salome Buitureria and her husband, Alfredo, both struggled with bad credit. Both of them got laid off from their jobs, and the credit card bills started to stack up as they tried to support their nine kids. Their scores were in the low 500s. They signed up for Credit Sesame and started taking its recommendations. For Salome, it helped her find an error on her report and dispute it. It also recommended a rewards credit card she could qualify for that’d help her improve her score. Today, Salmone’s score is around 690, and Alfredo’s is at 701, and now they have big plans to buy a home soon.* Just because you have bad credit now doesn’t mean you have to live with it forever. Credit Sesame will help you get there — it takes approximately 90 seconds to get started. And if you have a partner in crime to keep you motivated along the way? Even better! Secret No. 4: Leave Your Kids $1 Million (Without Being an Actual Millionaire) If you have kids, you’ve probably worried about what’ll happen to them if something were to happen to you… That’s where life insurance can provide a peace of mind. You sign up for a policy and pay a monthly rate, and if you die, your partner and kids will receive the payout. Traditionally, life insurance was seen as something only the wealthy needed, but that’s not the case anymore — especially since policies are so affordable. Consider a life insurance company called Bestow. The application doesn’t take more than about five minutes to fill out, and you can leave your family with $1 million — for as little as $5 a month. Derick Davis understood the importance of life insurance when his dad passed away. His dad had a life insurance policy, but it wasn’t enough coverage, and Davis, then 5, remembers his family struggling to stay afloat financially. When he started looking into life insurance policies for his family — his wife and two sons — he found that life insurance was actually much more affordable than he expected. And now? “It makes me feel that I’m doing the right things in order to give my kids the best chance if something should happen,” he says. It takes minutes to get a free quote from Bestow. Secret No. 5: Start a $350K Business Empire Back in 2007, Adam and Coryn Enfinger were a young, broke married couple who’d just had their first baby. Both of their cars broke down within the same month, and they couldn’t afford a new one. So Adam bought a bike to ride to work. On one of his 17-mile commutes (one way), he had a business idea: Sell screen-printed T-shirts with animals on bikes. Adam and Coryn worked odd jobs to make ends meet while they worked to launch what would become a $350K business, Dark Cycle Clothing. Now, their first few attempts at selling products didn’t go so hot. At one event, they sold maybe two items. Coryn decided to list the extra products on Etsy, and that’s when things started taking off. In 2009, Dark Cycle Clothing became the couple’s full-time career. Since then, they’ve started selling their T-shirts at markets again, which now makes up about a third of the company’s revenue. They’ve even hired someone to help out with photography and customer service. “We were so busy,” Coryn said. “We grew really fast. I sometimes feel like we’re still catching up from the growth in the beginning because we didn’t start with a plan.” “It took three or four years for us to really believe it was going to be our career,” Adam added. The key to building a business together? Get creative, don’t give up, hustle hard and enjoy it! Secret No. 6: Vow to Pay Off Your Debt, For Richer or For Poorer If you’re like the majority of Ameircans, you’ve probably got debt. And unfortunately, it doesn’t just disappear when you get married. In fact, it might feel even more overwhelming if you’re trying to tackle your combined debt together. Here’s what we suggest: Refinance and consolidate your debt. What’s that mean? Take out a personal loan, one that has lower interest rates and more favorite terms than your current situation. Then, you’ll use that personal loan to pay off your debt. You can do this for your debt, their debt and even your combined debt. It might sound counterintuitive at first — like you’re just moving one form of debt over to another — but the truth is, paying one bill each month will be a lot easier, and this could even lower your payments, save you tons of money in interest and/or allow you to pay off your debt faster. If you’re not sure where to start looking, use a website called Fiona. It’ll match you with a low-interest loan — rates start at 3.84%. It won’t make you stand in line or call a bank. (We know you don’t have time for that.) Refinancing and consolidating debt was one of the moves Deacon and Kim Hayes made to pay off $52,000 worth of debt in 18 months. They had a few [...]
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Southwest to Get Rid of Senior Fares. What’s the Impact?

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Southwest to Get Rid of Senior Fares. What’s the Impact?
You’ve heard of senior discounts at cafes or for entrance fees at the museum, but what about airfare? If you’re a member of AARP, you can get up to $200 off some British Airways itineraries. If you’re 65 or older, you can potentially take advantage of senior discounts at three major U.S. carriers: Delta, United... Caroline Lupini is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Southwest to Get Rid of Senior Fares. What’s the Impact? originally appeared on NerdWallet. [...]
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Wildfires and disasters- ecosystem opportunity to leverage InsurTech and innovation

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Wildfires and disasters- ecosystem opportunity to leverage InsurTech and innovation
Image Take a US $8 billion dollar insurance business that serves more than 7 million customers annually regarding residential real estate assets valued at more than US $5 trillion, that’s working in a regulated, politically hyped environment and one might see opportunity for innovation.  Throw in significant exposure to regional wildfires and urban area earthquakes, […] The post Wildfires and disasters- ecosystem opportunity to leverage InsurTech and innovation appeared first on Daily Fintech. [...]
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4 Ways to Earn More on Your Savings — Despite Another Fed Rate Cut

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4 Ways to Earn More on Your Savings — Despite Another Fed Rate Cut
The Federal Reserve lowered its benchmark federal funds rate on Wednesday. It’s the Fed’s third rate cut this year — and bad news for your money sitting in the bank. The interest rates that banks pay on interest-bearing accounts like savings accounts rise and fall with the federal funds rate. So, after the latest Fed rate cut, the chances are good that the interest rate your bank... [...]
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Real Entrepreneurs want to STO

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Real Entrepreneurs want to STO
Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor of Daily Fintech and author of The Blockchain Economy. Hoping 3 pictures will paint a thousand words     The post Real Entrepreneurs want to STO appeared first on Daily Fintech. [...]
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It’s Nearing the End of the Year. How Is Your Status Stacking Up?

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It’s Nearing the End of the Year. How Is Your Status Stacking Up?
If you’re a frequent traveler, it used to be an easy decision to go for status in an airline’s loyalty program. Status benefits were generous and not easily obtained by anyone who didn’t fly a lot. Domestic upgrades were more frequent because airlines had very high (and infrequently purchased) first class fares — and you... Caroline Lupini is a writer at NerdWallet. Email: travel@nerdwallet.com. The article It’s Nearing the End of the Year. How Is Your Status Stacking Up? originally appeared on NerdWallet. [...]
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17 Things You’re Keeping for No Reason — and Should Toss

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17 Things You’re Keeping for No Reason — and Should Toss
My circa-1987 all-gray kitchen is finally undergoing a much-needed renovation. But before the demolition could start, my husband and I had to take every single thing out of our cupboards and drawers. It was kind of like an archeological dig, as we discovered mysterious gadgets, orphaned appliance cords and even a 1990 receipt for a coffeemaker purchased by our home’s previous owners. [...]
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Free Bic Pens at Target, plus more!

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Free Bic Pens at Target, plus more!
Headed to Target this week? Pick up some free Bic Pens! You can score some great deals on Bic Pens and Pencils at Target! Here’s how: Buy 1 BIC Xtra Life Stic Pens 10 ct – as low as $0.99 Use $1/1 Bic Manufacturer’s Coupon Target Circle offer Free after coupon Buy 1 Bic Mechanical Pencil Packs – as low as $2.29 Use $2/1 Bic Pencils Manufacturer’s Coupon Target Circle offer $0.29 after coupon Thanks, Kosher On A Budget! [...]
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FATF Updates List of AML/CFT Deficient Jurisdictions

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FATF Updates List of AML/CFT Deficient Jurisdictions
On October 18, the Financial Action Task Force (FATF) published its updated list of jurisdictions that have strategic anti-money laundering (AML) and counter-terrorist financing (CTF) deficiencies for which they have developed an action plan with the FATF. The FATF updates this list three times a year, the last update being in June 2019. Since June, the following jurisdictions are no longer subject to monitoring and have been removed from the list: Ethiopia Sri Lanka Tunisia The following jurisdictions continue to have strategic deficiencies and remain on the list: the Bahamas Botswana Cambodia Ghana Pakistan Panama Syria Trinidad and Tobago Yemen And the following jurisdictions have been added to the list: Iceland Mongolia Zimbabwe Each jurisdiction on the list has an agreed action plan with FATF, with commitments ranging from ‘improve understanding’ of AML/CFT in the jurisdiction, to specific regulatory changes. This is not the list of countries for which financial institutions are required to undertake enhanced due diligence. (For EU and UK firms, for example, that list is maintained by the European Commission, here.) FATF noted that firms should take this information into account when conducting money laundering risk assessments and due diligence. The October list is available here. The next list will be published in February 2020. [...]
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Digital Securitization as a Service, for the Capital Markets Union

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Digital Securitization as a Service, for the Capital Markets Union
In this post, I take a pulse from the securitization markets and highlight one scalable innovation in Europe – The partnership of Crosslend & SolarisBank. According to MSCI, the 2008 financial crisis was a Securitization crisis. I don`t disagree but this fact does not mean that it was the core cause of the crisis. I […] The post Digital Securitization as a Service, for the Capital Markets Union appeared first on Daily Fintech. [...]
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Real ID Deadline for Domestic Flights in 2020: Are You Ready?

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Real ID Deadline for Domestic Flights in 2020: Are You Ready?
If you’re a traveler hailing from the U.S., you may have recently been notified that your driver’s license (or other form of identification) is not Real ID compliant and that pretty soon you won’t be able to board a domestic flight without a compliant form of identification. This raises the question: What is Real ID... Caroline Lupini is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Real ID Deadline for Domestic Flights in 2020: Are You Ready? originally appeared on NerdWallet. [...]
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Life Update: Pregnancy Update (Week 13) & the Spartan Race

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Life Update: Pregnancy Update (Week 13) & the Spartan Race
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 13 weeks!!! And I had to have my picture taken in the kitchen because I COOKED DINNER three times this week!!! HIGHLIGHTS I feel like I came back to life this week and it is AMAZING to be functioning again at at least 50% of my normal pace compared to barely functioning the past 6 weeks. I forgot how good I used to feel! Also, I was able to start eating my daily salads again, which made me so happy!! CRAVINGS Um, should confess that my big craving this week was Taco Bell tacos again?!? NOTABLE Jesse’s dad (who owns a medical equipment servicing business) sent us a really fancy doppler that’s he’s letting us borrow for the pregnancy. It’s so amazing to get to hear the baby’s heartbeat at home! Also of note: I’ve outgrown the majority of my wardrobe. The maternity clothes I have are still huge on me, but I’m going to have to get creative with outfits over the next few weeks until I can fit into my maternity clothes! The kids continue to be so shocked by my growing size and I keep telling them they haven’t seen nothing yet! WEIGHT GAIN: 5.5 lbs. P.S. Do you consider the second trimester to start in week 13 or week 14?! The internet seems very conflicted on this. Jesse and Kathrynne ran the Spartan Race last week and had a blast doing it. Kathrynne ended up finishing a few minutes before Jesse! 🙂 Silas and Kaitlynn ran the Spartan Kids’ race while Jesse and Kathrynne ran their race and had a great time doing so! And the fun after the race… getting all cleaned up. 🙂 What I’m… Reading right now: I Will Always Write Back (I finished this and really enjoyed it, especially since I’m so passionate about South Africa. Do note that it has a little bit of language and somewhat more mature themes in it in places so I’d read through it before handing it off to a child to read.) Watching right now: Silas, Kaitlynn, and I have continued to enjoy watching The Masked Singer. We’ve also been watching Dancing with the Stars. Listening to right now: I’ve been listening to recent episodes of The Sorta Awesome show this week. Loving right now: Mint Majesty tea with cream and honey (someone sent this to me as a gift and it is SO good!) In Case You Missed It: 4 Reasons Why You Can’t Save Money on Groceries Slow Cooker Chicken Tortellini Recipe Enter to Win a $100 Visa Gift Card Why Jesse and Kathrynne Went to South Africa 5 Questions You Should Ask Before You Tweak Your Budget [...]
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Morning Deals: Sunday, October 27

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Morning Deals: Sunday, October 27
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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2 Education Tax Credits That Can Make College More Affordable

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2 Education Tax Credits That Can Make College More Affordable
This just in: College is expensive. And whether you’re a student yourself or supporting your spouse or dependent child through school, any break you can get helps. Fortunately, the IRS offers a couple of education tax credits that can ease the financial burdens of college. In other words, these are incentives specifically for students and their parents that can lower the amount of taxes you owe for the year.  Here’s what you need to know about the American Opportunity Tax Credit and the Lifetime Learning Credit, as well as how to determine whether you or your family is eligible. What Is the American Opportunity Tax Credit (AOTC)? The American Opportunity Tax Credit, or AOTC, is a tax incentive designed to help offset the cost of undergraduate degrees. Qualified students, their spouses or parents who claim their child as a as dependent can earn a maximum annual credit of up to $2,500 per year, per student. Here’s how it breaks down: 100% of the first $2,000 of qualified educational expenses, including tuition and fees as well as books, supplies, and equipment needed to complete courses. Up to 25% of the next $2,000.  That comes out to a total possible credit of $2,500. However, if the credit brings down the total amount of tax you owe the government to $0, you can only have 40% of the remaining credit, or up to $1,000, issued to you as a refund. And it’s only available to those in their first four years of college — sorry, super seniors. To be eligible for the AOTC, the student must: Be pursuing a degree or a credential — that is, auditing classes or taking a few courses for your plain old edification won’t cut it. Be enrolled at least half time for at least one academic period, be it a semester, quarter or even a summer session.  Not yet have finished a four-year degree. Not have claimed the AOTC — or the Hope credit, as it used to be called — for four tax years already. Not have a felony drug conviction. You must also have a valid taxpayer identification number on or before the date of filing, and earn less than the specified modified adjusted gross income limits. For 2019, these limits are: $80,000 or less for single filers to get the full credit. $160,000 or less for those married and filing jointly to get the full credit.  If you earn up to $90,000 or $180,000, respectively, you may still be eligible for a reduced credit. To claim the AOTC, you’ll need to get a Form 1098-T Tuition Statement from your school. You’ll then need to fill out Form 8863 and include it with your return at tax time.  What Is the Lifetime Learning Credit (LLC)? Like the AOTC, the Lifetime Learning Credit, or LLC, is a tax credit you can earn to help offset the cost of qualified higher educational expenses. Unlike the AOTC, the Lifetime Learning Credit only covers tuition, fees and other enrollment-related costs; books and supplies are excluded. But this one’s available not only for the first four years of undergrad, but also for graduate and professional degree courses — supporting a lifetime of learning, just as its name implies. There’s no limit to how many years you can file for the credit, which makes it a great option for those considering a midlife career change or taking courses to increase and improve their skills.  That said, this credit can only be claimed once per year per family or individual taxpayer, whereas the AOTC can be claimed per student. (More on that below.) The Lifetime Learning Credit provides eligible students a credit of up to $2,000 per tax return. (Again, the tax-speak specifics: It’s up to 20% of the first $10,000 of qualified educational expenses.)  However, if the Lifetime Learning Credit brings your tax bill to $0, you won’t receive a refund for the remaining amount. Here are the eligibility requirements for the credit: You must be paying for qualified expenses related to higher education, like tuition. Those educational expenses must be paid for a student who’s enrolled at an eligible institution. That student must be you, your spouse or your dependent. The Lifetime Learning Credit is subject to the following income limits in 2019: $58,000 or less for single filers to get the full credit.  $116,000 or less for joint filers to get the full credit.  If you earn between $58,000 an $68,000 as a singleton or up to $136,000 as a married couple, you may qualify for a partial credit. Just as with the AOTC, you’ll need to get a tuition statement from your school and file Form 8863 at tax time.  Am I Eligible for One of These Education Tax Credits — or Both? Still not sure you’re eligible for either of these education tax credits? What if you meet the requirements for both? Unfortunately, you can’t claim both the Lifetime Learning Credit and the AOTC on a single child. Parents can claim the AOTC on multiple children, and you can claim the LLC during the same year, but you can only claim the LLC once — and not on a kid you’ve already claimed the AOTC for. In other words, the AOTC is a per-student tax credit, while the Lifetime Learning Credit is a per-taxpayer tax credit. That said, there’s another, easier way to figure out exactly what you and your family are eligible for. Although it’s not exactly known for its speediness or cutting-edge technological advances, the IRS is slowly but steadily moving into the world of the 21st century — and has created an interactive app to help you determine if you qualify for either of these educational tax credits. It’ll also let you know if you can claim a deduction for tuition and fees. And if you’re paying sky-high tuition bills, it’s well worth sitting down for a few minutes with your paperwork and seeing if you can get a break this April. Just one word to the wise: Make sure you’re actually eligible, or you could get audited and be forced to repay any credit you erroneously received with interest. You might also be banned for claiming the credit for up to a decade. Now, if only they’d come up with an app that could do all your homework for you… Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Target: Free Shipping On All Online Holiday Orders!

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Target: Free Shipping On All Online Holiday Orders!
This post may contain affiliate links. Read my disclosure policy here. Woohoo! Target is once again offering FREE shipping this holiday season! Starting November 1st, you’ll be able to get FREE shipping on any Target online orders — no minimum purchase required! (Go HERE for the press release!) No promo code is needed for this deal. Just buy anything online and you’ll get automatic FREE shipping — including Black Friday and holiday season purchases. This is a great deal, because you usually have to make a $25 minimum purchase in order to get free shipping. And not only that, many of the shipments will get to you as soon as the next day after your order is placed! Looks like lots of competition for Amazon again this holiday season. Valid through December 21, 2019. [...]
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630 Credit Score: Is It Good or Bad?

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630 Credit Score: Is It Good or Bad?
A 630 credit score is considered a fair credit score. Your credit score determines whether you will qualify for products like credit cards and loans, and what interest rate you will be charged by a lender. The share of Americans who had scores between 600 and 649 was 9% in 2019, according to credit scoring company FICO. Here’s how a... Amrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. The article 630 Credit Score: Is It Good or Bad? originally appeared on NerdWallet. [...]
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HUGE Savings on Muck Boots = Boots as low as $39.99!

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HUGE Savings on Muck Boots = Boots as low as $39.99!
This post may contain affiliate links. Read my disclosure policy here. Love Muck boots? You can score up to 60% off right now! Right now, Zulily is having a huge sale on Muck Boots where you can score up to 60% off boots for the family! Check out these deals… Get these Kid’s Brown & Pink Rugged II Boots for only $39.99! Get these Women’s RealTree Camo Arctic Hunter Mid-Rise Boots for only $69.99! Get these Men’s Brown MK Woody Sport Country Boots for just $99.99! Get these Men’s Brown Muckster II Ankle Rain Boots for just $64.99! Shop the Muck boot sale here. Psst!! You may be able to score free shipping when you use the promo code JUST4YOU22 at checkout but please note that this code is not working for everyone. [...]
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Easy Slow Cooker Chicken Tortellini Soup Recipe

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Easy Slow Cooker Chicken Tortellini Soup Recipe
Looking for a yummy and easy slow cooker soup recipe? This Chicken Tortellini Soup Recipe is one you should definitely try! I cooked dinner for the first time in six weeks on Monday! And it felt SO good to be back in the kitchen after weeks of not being able to stand doing any food prep because of morning, noon, and night sickness. Since the weather has cooled down here, I though an easy soup recipe would be perfect. Boy oh boy did this one hit the spot! Every person in our family loved it and the entire slow cooker pot was finished off in less than 15 minutes (see above)! Also, everyone declared this recipe a win! Or, maybe they were just so excited that Mom was finally cooking again so they were extra enthusiastic about it?? 😉 This recipe is so simple to make and it’s a fun twist on traditional chicken noodle soup. Plus, it can be made ahead in the crock pot! The only thing I would recommend would be buying more flavorful cheese tortellini (we bought the Kroger brand and I thought it was kind of bland) OR adding more salt and pepper to the soup to make it a little more flavorful. Chicken Tortellini Soup 1 lb. boneless skinless chicken breasts (I used three frozen breasts.) 2 carrots, peeled and sliced 2 stalks celery, chopped 6 cups chicken broth 1 teaspoon Italian seasoning Salt/pepper 18 oz. refrigerated cheese tortellini Put the chicken, carrots, and celery in a slow cooker. Pour chicken broth over and sprinkle with Italian seasoning and salt and pepper to taste. Cook on low for 6 hours. Take chicken out and shred/chop. Add chicken back in to slow cooker along with tortellini. Cook until tortellini is tender. adapted from Delish.com Looking for more yummy soup recipes? Here are some of our favorites: Crockpot Taco Soup Best Ever Black Bean Soup Cheesy Hamburger Potato Soup Hamburger Vegetable Soup recipe What is your favorite soup recipe for fall months? I’d love to hear! [...]
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How This Woman Turned Her Social Media Presence Into a Lucrative Side Gig

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How This Woman Turned Her Social Media Presence Into a Lucrative Side Gig
Editor’s note: This post was originally published in 2017. In fall 2014, I was stuck in a career rut. I was well on my way to becoming a researcher, studying neuroscience and working at a lab, but I could no longer see myself pursuing that path. The limited creative freedom and lack of social interactions in the field pushed me to consider other options.  A few soul-searching conversations later, I realized there was one thing I really care about: storytelling. In fact, writing was always the activity that made me lose a sense of time.  I had also always been interested in fashion — when I was 9, I started sketching and recreating my favorite street-style looks — but it wasn’t something I thought I could turn into a career.  But I was wrong — and I’ve developed those interests into a paying gig as a social media influencer. Here’s what I did, and how I make money from Instagram. How I Became a Successful Social Media Influencer While in school, I took on internships in fashion blogging to get as much experience as possible, and I signed up for writing classes to hone my craft.  I discovered new social media platforms that made it possible to share my love for writing and connect with people. That’s how I came to create mini blog posts, or “captions,” on Instagram. I really love photography, and Instagram became my experimentation ground. Around the same time, in August 2014, my sister and I decided to launch a fashion and lifestyle YouTube channel. We also created an Instagram account to document our personal styles and adventures in New York City.  By the summer of 2016, we were taking our project more seriously and treating it as a part-time job on top of our main focuses as an international business student (my sister) and a full-time freelance social media consultant and writer (me).  We now dedicate our entire weekends and five hours during the week to editing our videos, capturing content at live events, modeling, scheduling our posts on social media, pitching brands and bloggers for potential collaborations, along with other related activities.  Our brand now aims to empower women to live up to their potential and do it all in style. We invest in the production of high-quality images and videos — purchasing editing software, working with photographers, booking studio space, directing shoots — to tell stories that delight our audience. I never imagined this project would allow me to follow my dreams. I went from creating images and writing quirky captions to having real influence on people’s decisions about what to wear, where to shop, what to do and where to go. How to Make Money From Instagram If you thought you couldn’t make money from your social media accounts, think again! Since July 2016, I’ve earned an average of $1,600 per month — just from our Instagram account.all . And yes, that’s after my sister gets her share. How do I do it? The answer is in having different income streams. Here are a few streams I suggest tapping into if you want to be a successful influencer.   View this post on Instagram   In Haiti, people will ask about your family faster than they will about what you do. They’ll welcome you to their home, feed you a good meal and dive into the stuff they care about the most: your relationship with your parents, how well you get along with your siblings, the way you live and who you live with. It was an early lesson in not defining people by what they do. I’ve always found it interesting how, in New York, conversations will start with questions about your job and where you live. I’ve even done it too. But as I’m approaching ten years of living in this city, I find myself going back to the values I learned while growing up in Haiti. Remembering that people are more than what they do and going beyond surface level to meaningfully connect. : @patriziamessineophoto A post shared by by Shelcy & Christy (@nycxclothes) on Oct 18, 2019 at 6:43am PDT 1. Create Sponsored Posts It’s not always about your follower count, but the number of people who engage with your content and look forward to each one of your posts. A lot of brands are moving away from working with major digital influencers to leveraging smaller bloggers’ audiences.  When you start, reaching out to brands is a great way to secure a few collaborations. As you gain traction, brands will discover you and email you about different opportunities.  Every company has its specific rules for sponsorship, so do not use a one-size-fits-all approach when reaching out. Do your research and interact with them on social before initiating contact.  The key is to associate only with brands that fit your aesthetic. That way, your readers perceive every collaboration as authentic and buy into what you’re trying to sell to them. Within six months of launching our platform on YouTube and Instagram, we received our first sponsorship opportunity. A jewelry box subscription company found us through a hashtag and reached out. Its reps offered to send us complimentary pieces every month in exchange for a few Instagram features.  We have since received products from Coach, TOMS Shoes, Pura Vida Bracelets and other clothing and accessories brands.  FTC guidelines require you to identify your sponsored posts. We usually include a branded hashtag in our captions (for example, when we collaborated with Coach, it was #CoachHoliday) in addition to the required ones like #ad or #sponsored.  We typically charge at least $75 per sponsored post, but we don’t get paid for all collaborations. Sponsored posts add up to about $600 of our income every month, which we split evenly.  Some brands send their products as gifts; to date, we’ve received $3,000 in merchandise. Because we receive most of our accessories for free from brands, we’ve been able to cut our shopping budgets in half, saving us a combined $500 a month. 2. Sign Up for YouTube Advertising Monetizing your videos on YouTube can earn you a passive income stream. There’s even a bonus if these ads convert! You are allowed to monetize your videos once Youtube accepts you into its Partner Program.  We’ve only made about $50 from YouTube ads so far, but the more your numbers grow, the higher your income goes.  3. Offer Private Social Media Consultations Don’t underestimate the skills you can acquire from a side project. Creating content and growing my social media following helped me learn how to edit with Final Cut Pro and Photoshop, how to create marketing materials like brochures using graphic design tools, and how to advertise on Facebook, Twitter and Instagram.  I then monetized these skills by offering my services to local business owners and startups. I posted ads on Craigslist, gave out business cards at networking events, leveraged LinkedIn to generate leads and marketed myself in niche Facebook groups.   I eventually landed a consistent gig last summer with a small business owner. I support her handbag company’s social media efforts with content production (creating images and videos) and marketing (running ads on each platform). This gig pays about $1,200 a month.  I also occasionally help other entrepreneurs manage their social media accounts and become more visible online. My rate starts at $40 per hour, and I’ve made about $500 in the three months since I started offering the service. FROM THE MAKE MONEY FORUM I Found Another Way, To Earn Money 9/18/19 @ 7:36 PM Baking business 10/21/19 @ 5:01 PM P Parents of a [...]
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5 Questions to Ask Before You Tweak Your Budget

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5 Questions to Ask Before You Tweak Your Budget
I would love to see a post on adjusting your budget. How do you know when you need to increase your budget or when you need to decrease your spending? I LOVE your posts that give us questions to consider when making decisions. I would love to see questions to help me know if I should increase the budget amount for groceries or auto repairs whatever it is, or when we should cut back our spending. Thank you so much. -Melissa This is such a great question, Melissa! I don’t think there are any 100% cut and dry answers or one-size-fits-all systems when it comes to when to raise or lower your budget. But I do think there are some general questions to ask before you overhaul your budget. Here are five questions I recommend asking before you tweak your budget: Questions to Ask Before You Tweak Your Budget 1) Are we struggling to make ends meet every month? This is one of the most important questions to ask. If you are barely making ends meet every month (or they are not meeting every month) then it’s time to do a serious look at your budget. Where is every dollar going every month? (If you don’t know the answer to this question, I highly recommend you check out Total Money Makeover from the library and follow the steps outlined to set up a budget. We’ve found that using software to track all of our expenses and income is so helpful to know exactly where we stand at any given moment of the month.) If you do know where every dollar is going and you are struggling to make ends meet, it’s time to look carefully at whether there is anything you can cut, cut back on, or shave off. Don’t see anything you can change? What about looking into ways you can increase your income? If you do know where every dollar is going and you aren’t struggling to make ends meet, then move on to the following questions. 2) Is it a causing stress and contention to stick to our budget in this category? If you are finding that you are feeling stressed by a budget category every month, it’s time to take a hard look at that category, what you are spending, and why you’re feeling stressed about it. For those of you who are married or who have other people who are involved in your budgeting, is this contributing to the stress? If so, why? Can you have an honest conversation about it without being frustrated or accusatory? 3) Why did we choose this budget amount in the first place? Truth be told, I think this is possibly the most important question to ask. Did you just pick a number out of the sky? Is this number the number you spent 5 years ago when you only had one child and now you have three but you feel like you shouldn’t change your budget because it’s what you’ve always had it set at? Did you choose this number because a friend (or someone online!) spends this on groceries or eating out and you wanted to prove that you could? Take a hard look at the why behind your budget categories. Is the why in line with your priorities? 4) What does my spouse think? If you are married, please do not be making budget changes without having a heart-to-heart conversation with your spouse. Budgeting is a team effort! It requires communication and compromise. The less you can point fingers and instead lock arms and get on the same page, the stronger your budgeting success will be! 5) Could we find an easy way to spend less? Do you need to be spending as much as you are spending in this category? Is there something simple you could change or tweak that would allow you to spend less? If you are thinking of raising your budget in one area, is there another area where you could lower it? (Check out this post for 30 Super Easy Ways to Save Money.) As always, I think it’s important to remember that the goal of a budget is to serve you, not the other way around. A budget is a tool to benefit your life, not a slave master to make you miserable! (Psst! For more encouragement, read my post on We Need to Have an Honest Conversation About Budgeting.) What questions do you ask before you change your budget? I’d love to hear! photo credit [...]
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New Benefits Coming to Medicare Advantage Plans

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New Benefits Coming to Medicare Advantage Plans
Transportation to doctor appointments, reimbursement for cooking classes and coverage for home air cleaners are among new benefits you might find offered by Medicare Advantage plans for 2020. As we have explained before, Medicare health insurance plans can be divided into two main types. The federal government’s Medicare program directly offers the first type, Original Medicare. [...]
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Rent a Car Without a Credit Card: Use This Trick to Avoid a Big Deposit

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Rent a Car Without a Credit Card: Use This Trick to Avoid a Big Deposit
You may know this frustration: One Christmas, I scraped together money for a flight home and budgeted enough to cover the $80 to rent a car for the weekend. But because I was paying with a debit card, I was charged a $350 deposit. To make that deposit, the company put a hold on my debit card. That meant for the duration of the rental, $350 of my money was unavailable.  Worse, I had to wait about a week and a half after the trip to see the refund available in my bank account. I’m not sure about you, but I don’t usually have the luxury to just give up $350 for a couple weeks! Renting a car is particularly difficult, because the amount of the deposit can be so high compared to the cost of rental. That’s if you’re allowed to pay with a debit card at all. These authorizations are understandable from a business’s point of view: It needs some assurance that it won’t lose money if you cause damage or fail to pay what you owe. When you pay with a credit card, the credit card company ensures you’ll make the payment, and you’re responsible for paying the credit card company. When you pay with a debit card, a business runs the risk that you could take off or cause damage that costs more than what’s available in your bank account.  But most of us are good, honest people. It’s frustrating to face barriers put in place to protect businesses against dishonest jerks. Thankfully, I’ve found a way around the dreaded debit-card authorization. How to Rent a Car Without a Credit Card Instead of handing over my bank debit card to cover the deposit for a rental car, I use my PayPal debit card. With this trick, the deposit never leaves my account. First, you have to have a PayPal Business MasterCard debit card. If you don’t already have one, here’s how to get it: 1. Create a PayPal Account If you don’t already have an account, go to PayPal.com to sign up for free. 2. Upgrade to a Premier or Business Account Set this up when you open your account, or upgrade your existing account to Premier or Business. Be sure to read through the differences between these accounts to know which is best for you. Upgrading to either is free, and they both come with features not available to a personal account. Basically, if you’ll use PayPal for online business or freelance work, upgrade to a Business account. For personal use with the additional features, Premier should have you covered.  3. Apply for a PayPal Business MasterCard Debit Card Plan well in advance if you want to use your debit card for a particular trip! If you’re new to PayPal, you’ll want to apply for the Business MasterCard at least three months in advance.  Even if you’ve had a PayPal account for a while, give yourself at least a month. Note: This is NOT the same as a PayPal Prepaid MasterCard, which is also a physical card you can get from PayPal. The Prepaid card is loaded like a gift card, while the Business debit card works like your bank debit or ATM card. Even outside of this hack, I love having a PayPal debit card because: I can pull cash from my PayPal account at an ATM or use it like any other debit card. That means I can make in-real-life purchases with money I make online. I get instant access to my PayPal funds, which used to take three to four days to transfer to my bank account. I get 1% cash back for every debit purchase that doesn’t require a PIN. 3. Set Up a Backup Funding Source Select a backup funding source for your Business debit card. This is a different process from selecting a backup funding source for your PayPal account, so make sure you attach it specifically to the card. Your backup funding source will be either your checking account or another debit card (or both).  When you pay for something using your PayPal debit card, any funds in your PayPal account are used first. The backup will cover the purchase if the amount exceeds your PayPal balance. Warning: Your backup will cover a purchase that exceeds your PayPal balance, whether or not you have the funds in the backup account. Watch the balance on both accounts to avoid an overdraft fee. Renting a Car With a Debit Card When you travel, use your PayPal debit card to cover your rental car deposit. Here’s how it works: 1. Deposit $1 Into Your PayPal Account A few days before you travel, deposit a small amount into your PayPal account. I always stick with just $1. Depending on your bank, a deposit could take a few days to hit your PayPal account. Mine usually takes two or three days.  If you need it more quickly, you can coordinate with a friend or family member to transfer money directly from another PayPal account, which happens almost instantly. Make sure you keep the balance low. If you already have a higher balance in your PayPal account, withdraw most of it into your bank account. Any available funds in your PayPal account will be held for the deposit, so the less available when the card is swiped, the better. 2. Look for a Hold on the Available Balance When rental car company swipes your card, the deposit will take your available $1. The authorization will be valid, because the charge sees your backup funding and reads that as sufficient funds for the charge, regardless of your checking account’s balance.  But your checking account will not be charged, because the transaction will not be completed.  You can also subsequently receive payments or otherwise deposit money to your PayPal account and have access to it. That won’t be tied up in the hold. 3. Return the Car and Remove the Hold When you return the rental car, you’ll pay the rental fee. You can charge it to the PayPal card on file (and, subsequently, to your backup funding source), or if it’s allowed, pay with a different card or cash.  When you return the car, the hold is removed from your card, and you’ll never be out the money from the deposit. Note that if you rack up any charges beyond the car rental fee, like for smoking in the car or damaging it, your PayPal card and/or backup funding source will be charged. I don’t recommend charging a deposit to your PayPal that’s greater than the balance in your checking account. You’ll risk overdrafting if the charge for the deposit goes through for any reason. Where to Rent a Car Without a Credit Card Renting a car is a tricky process for the, uh, credit-impaired. It’s a big responsibility! Some companies simply don’t allow you to rent without a credit card in your name. Practically no one will rent to you for cash or check anymore.  But many companies do allow you to rent a car with a debit card — with a few additional caveats. Most rental car companies will run a credit check, and many will require additional identification, for renting with a debit card (versus a credit card). Check with your rental car company to ensure you show up with all the required information. You’ll always be required to show a valid driver’s license and your charge card to rent a car. Additional I.D. required for car rental with a debit card might include: A return airline ticket or itinerary U.S. passport or military I.D Current vehicle insurance card A copy of your phone or utility bill or bank statement from within 60 days As of this writing, these companies allow you to rent a car with a debit card: Dollar Thrifty Alamo (return ticket or itinerary required; no credit check at some locations) Avis  Budget  Hertz For most companies, you must be at least 25 years old to rent a car with a debit card. But Dollar allows drivers under 25 to rent with a debit card. FROM THE SAVE MONEY FORUM Teaching Your Kids to Save: I am a Bit Confused (HELP) 10/10/19 @ 12:24 PM Traveling All 50 States On a Budget 10/9/19 @ [...]
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Target: 50% off Sierra Mist Beverages

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Target: 50% off Sierra Mist Beverages
Headed to Target this week? Score 50% off Sierra Mist beverages! Target has a new Circle offer for 50% off Sierra Mist beverages! You can use it to get the 2-liter bottles for only $0.84 or the 12-pack cans for just $2.49. Valid through October 26, 2019. Thanks, Freebie Shark! [...]
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Is My Credit Frozen? What to Do If You’re Not Sure

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

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

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

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Afternoon Deals: Saturday, October 19
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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$47 Kroger Shopping Trip

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

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

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

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

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

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

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

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

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

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

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

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

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

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5 Things to Know About the Delta Reserve for Business Credit Card
Small-business owners who want a new credit card and who are continually flying out of Atlanta, Boston, Cincinnati or other strongholds of Delta Air Lines might shortlist the Delta Reserve for Business Credit Card. Learn More It offers airport lounge access, progress toward elite status and other perks. The card is scheduled to get better —... Gregory Karp is a writer at NerdWallet. Email: gkarp@nerdwallet.com. Twitter: @spendingsmart. The article 5 Things to Know About the Delta Reserve for Business Credit Card originally appeared on NerdWallet. [...]
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Up to 60% off DC Shoes for the Family + Free Shipping!

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

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

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

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

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

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

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8 of My Favorite Things to Buy at Target
I’ve literally been shopping at Target my entire life. I grew up in Shoreview, Minnesota, and the very first Target ever opened in the neighboring Twin Cities suburb of Roseville in 1962, five years before I was born. Our favorite local store with the red bull’s-eye logo helped launch a discount-store chain that today boasts more than 1,800 stores. I now live in Seattle... [...]
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How Much Is Vet School?

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

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

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

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

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

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

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

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

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

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

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Getting a Roommate? Here Are 4 Ways to Protect Your Finances
We all have a roommate horror story, right? That roommate who ate all your cereal, the one who borrowed your favorite shirt — without asking — and the one who Never. Washed. One. Plate. That’s the tradeoff though, right? You’ll put up with a few annoyances because having a roommate can substantially cut your living expenses. But what if your roommate stops paying the water bill or moves out halfway through your lease and you’re stuck paying all the bills? Deadbeat roommates can leave you owing hundreds — or thousands — in unpaid bills. And if you’re unaware they’re skipping out on payments and your name is on the lease or utility bill, it could potentially wreck your credit score. While we can’t really help with the irritating roommates (maybe a lock on the cereal box?), we do have ways to split your costs upfront and avoid getting stuck paying more than your fair share. Ways to Ensure Your Roommate Pays Their Share In theory, if you have one roommate, you split everything 50/50. But what if you have the master bedroom — do you pay per square foot? What if your roommate has a dog — does that affect the cut for the security deposit? Putting as much as you can in writing before you move in together will help you both understand the expectations and help preserve the relationship, according to Mark Bauer, a professor at Stetson University College of Law in St. Petersburg, Florida.  Pro Tip If you’re moving in with someone you didn’t know before, ask for references from former roommates and previous landlords. Be prepared to provide the same. “A lot of people think that having a formal agreement, particularly if the person is a friend, is off-putting,” he said. “But a friendly agreement spelling out responsibilities in advance is something that people who trust each other do.” Protecting your finances becomes even more important when you move out because you are no longer there to monitor what’s happening — and whether bills are being paid. We’ve come up with four ways to help protect your finances from the moment you find a roommate right through the day you move out.  1. Ask for Separate Leases If you haven’t signed a lease yet, this could be an opportunity to protect yourself from getting stuck with the entire rent — typically, the biggest shared expense — if your roommate decides to move out early.   That’s important since if you and your roommate sign a lease, you’re each responsible for 50% of the rent. But it also means either one of you is responsible for 100% of the rent — legally known as joint and several liability, Bauer explained. So if your roommate decides to stop paying their share — whether it’s because they moved out or simply stopped sending in their half of the rent — the landlord can come after you for the entire rent. Pro Tip If it’s your first time living with someone, consider signing a month-to-month lease. That way, if you find out you got a bad roommate after a couple months, you’re not stuck there for a whole year. “It doesn’t matter that you’ve been faithfully putting in your 50% every month including when the other person didn’t,” Bauer said. “As far as the landlord is concerned, you were jointly liable.” Instead, request two lease agreements stating that you’re separately liable — it might result in the landlord having some say over your next roommate (since the landlord can choose another tenant to sign a lease with), but at least you won’t be responsible for covering your roommate’s half of the rent.  2. Create a Roommate Agreement Regardless of the lease, creating a roommate agreement can help everyone get on the same page, so to speak, about responsibilities. Considering you’ll probably be dealing with smaller amounts of money, it’s unlikely you’ll recoup your losses if your roommate really didn’t pay the final month’s electric bill, for instance. It doesn’t matter that you’ve been faithfully putting in your 50% every month, including when the other person didn’t. As far as the landlord is concerned, you were jointly liable. “What are you going to do — pay for an attorney to sue?” Bauer said. “It’s just not worth it. “Small claims court doesn’t yield readily-enforceable judgments, so that’s just kicking the can down the road, too.” Fo