Cents of Style: Be Series Graphic Tees for just $16.95 shipped!

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

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Two live Blockchain use cases in Mutual Funds administration and four pilots
In Blockchain world everybody wants to be `the World`s first`. The term started being a must in white papers, now it is all over social media, with announcements about The World`s first tokenized equity The World`s first STO The World`s first regulated Crypto bank The World`s first Initial Wallet Offering The World`s first Regulated ATS […] The post Two live Blockchain use cases in Mutual Funds administration and four pilots appeared first on Daily Fintech. [...]
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Want a FEMA Job? Speak to Agency Recruiters During Virtual Job Fair Sept. 12

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Want a FEMA Job? Speak to Agency Recruiters During Virtual Job Fair Sept. 12
The Federal Emergency Management Agency has scores of job openings nationwide, and it’s hosting a virtual job fair to fill them. On Sept.12, job seekers can log into the FEMA job fair between 10 a.m. and 6 p.m. Eastern time to chat directly with recruiters. All-day attendance isn’t required.  Before joining the event, applicants must first register on CareerEco’s website to secure their spot. Creating an account takes only a couple of minutes. To stand out, however, candidates should include their resume and a cover letter in their profile before Sept.12 so that FEMA recruiters can easily access that information when the event starts. (The Penny Hoarder has you covered if you need help writing a resume or crafting a cover letter.) More than 130 job openings at FEMA are listed on USAJobs.gov. Positions are available in communications, emergency management, engineering, human resources, information technology, public affairs and more. FEMA is a federal agency that assists the public before, during and after natural disasters and security-related threats. The agency operates in 10 regional areas, covering all states and U.S.-owned territories. New to virtual fairs? You’re not alone. CareerEco’s CEO Gayle Oliver-Plath spoke to us about the best ways to prepare for a virtual job fair. Here are the big takeaways: Do your homework. — Just because the job fair is online doesn’t make it any less crucial that you make a good impression. Come to the fair prepared with tailored questions for the hiring manager. Take care of tech beforehand. — Is your account properly registered? Are your web browser and flash player up to date? Documents organized and ready to go? Don’t forget the motherlode of all tech issues: WiFi. Hardwire your computer with an ethernet cable if worse comes to worse. Be interview-ready. — If all goes well, a hiring manager might ask to interview you on-the-spot. So be dressed to impress. Make sure you are in a well-lit, distraction-free area where you can chat. It’s OK if that’s not the case, too. Explain that you are not in the best environment for an interview, and offer alternative times when you are available. 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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How to Wipe Out Student Loans You Took Out Before You Became Disabled

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How to Wipe Out Student Loans You Took Out Before You Became Disabled
Tackling student loans is tough enough, but doing it when you have a disability adds another element of stress to an already difficult situation. However, if you develop a total and permanent disability after taking out federal student loans, you are eligible to have your debts forgiven.  The process for getting forgiveness isn’t easy and can take years to finalize, unless you’re disabled veteran (more about that later). But if you’re struggling to pay, the discharge of your student debt could be worth your effort. Here’s what you need to know before you apply. How to Get a Student Loan Disability Discharge The government isn’t going to wipe out your student loan for a minor car accident — and maybe not even a major one, according to Melissa Opperman, executive vice president at Credit.org. “If you have a significant disability that can be documented — and I mean documented — sometimes federal student loans can be forgiven,” said Opperman, who noted that you’ll be responsible for providing updated documentation throughout the monitoring period.  “If somehow you miraculously heal, then it’s not forgiven.” Which Loans Are Eligible? The total and permanent disability discharge (TPD) program is available for the following loans: Direct Loans (aka William D. Ford Federal Direct Loan Program) Federal Family Education Loans (FFEL) Federal Perkins Loans If any of your loans are in default and the government is garnishing your wages, the garnishment will continue until your TPD discharge is approved. Additionally, you can apply for the TPD program to forgive a Teacher Education Assistance for College and Higher Education TEACH Grant service obligation. Who’s Eligible for Disability Discharge? To qualify for the TPD discharge, you must provide official proof that you are totally and permanently disabled. There are three ways:  Veteran Affairs  Veterans who become totally and permanently disabled during their service automatically have their student loan debt discharged. Prior to August 2019, veterans still had to fill out the TPD Discharge application, but the process recently changed. Veteran Affairs will alert the Federal Student Aid office as to who are eligible veterans. The office will then notify eligible veterans, who will have 60 days if to decide if they want to decline the loan relief.  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. Additionally, accepting the disability discharge could make is more difficult to take future student loans. If you do not opt out of the program, your remaining student loan balance will be discharged and you’ll be reimbursed for payments made following the date of the discharge. Social Security Administration If you qualify for a discharge based on the Social Security Administration’s (SSA) requirements, the agency will notify the Federal Student Aid office.  The office will then send you the determination letter indicating your eligibility as well as a discharge application.  Along with your application, you’ll need to provide a copy of your SSA notice of award or your Benefits Planning Query indicating that your next scheduled disability review is within five to seven years from the date of your most recent disability determination. Physician’s certification A doctor of medicine or doctor of osteopathy/osteopathic medicine who is licensed to practice in the U.S. can certify that you are permanently physically or mentally unable to earn money in any field of work. How to Apply To apply for a TPD discharge, you’ll need to submit an application with accompanying documentation to Nelnet, the servicer that assists the U.S. Department of Education with the discharge process. After you contact Nelnet to request an application, the company will reach out to your loan holders to stop collections for up to 120 days.  This is considered your grace period to give you time to fill out and submit your application and supporting documentation, but if you do not submit your paperwork in the allotted time frame, your lender can resume collection activity. Pro Tip You only need to submit one TPD application to apply for a discharge of all your federal student loans and TEACH Grant service obligations. You can download a PDF of the application or you may request a TPD discharge application by email at disabilityinformation@nelnet.net or by phone at (888) 303-7818 Monday through Friday from 8 a.m. to 8 p.m. ET. Although the application is eight pages, the form that you are required to fill out is only about half a page, asking questions like your name, date of birth, contact info and Social Security number. The remainder of the application depends on how you received your proof of disability: If your determination came from the SSA, you’ll need to attach a copy of that documentation. You also do not need to provide a physician’s certification. If you are submitting a physician’s certification, your doctor must complete and sign Section 4 of the form. What If You Need Help Filling Out the Application? Dealing with all the paperwork can be an overwhelming burden to someone with a disability, so you can assign someone to help with the application. If you want to designate another person or an organization to represent you, you’ll need to complete the Applicant Representative Designation: Total and Permanent Disability form. FROM THE DEBT FORUM Guide to on-line debt consolidation 7/24/19 @ 11:19 PM Debt Reduction Plans? 7/31/19 @ 1:05 PM Student loans!! 8/9/19 @ 1:07 PM J STUDENT LOAN DEBT 8/5/19 @ 1:32 PM See more in Debt or ask a money question If you don’t have someone you can trust, reach out to a reputable source for professional assistance — and be aware of offers that allow the organization to profit off your misfortune, advised Heather Jarvis, a North Carolina attorney who specializes in student loans. “There are people who are professional financial advisers or attorneys or who work for non-profit counseling companies who might be able to help,” she said. “They aren’t in the business of trying to make money on people who owe money.” Once you submit your application via the website, email address, fax number or mailing address listed on the form, Nelnet begins the review process. What Happens After You Submit Your TPD Application? Three things will happen after Nelnet receives your application: Nelnet will tell the holders of your federal student loans or TEACH Grant service obligation to suspend collection activity; you will not be required to make payments at this time. However, if your loans are in default and your wages are being garnished, that will continue until your TPD discharge is approved. It will review the application and supporting documents. If you meet the eligibility requirements, Nelnet will forward your request to the U.S. Department of Education for a final decision. If your application is approved, Nelent will notify you that your loans and/or TEACH Grant service obligation have been discharged.  It will also instruct your lenders to return any loan payments received after the date Nelnet received the SSA docume [...]
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6 Things to Know About United Lounges

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6 Things to Know About United Lounges
When it comes to airport lounges, there are many options for travelers. If you’re evaluating which lounge will be the best for you, here’s what you need to know about United Airline lounges. 1. United lounges are everywhere It’s not hard to find a United Airlines-associated lounge, especially if you’re flying first or business class... Amanda Johnson is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 6 Things to Know About United Lounges originally appeared on NerdWallet. [...]
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35 Online Stores That Offer Free Shipping With No Minimum Order

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35 Online Stores That Offer Free Shipping With No Minimum Order
We’ve all been there: You finally find an item you’ve been looking for online, and it’s on sale for $5! You add it to your cart, go to check out — and realize you have to pay $8 for shipping. It’s not such a good deal anymore. Here’s another common scenario: You add everything you need to your cart, and the total comes to $25. The site offers free shipping — but only on orders over $50. Shipping costs often double or even triple the price you pay for small orders — eliminating the savings of shopping online. But if you know where to look, you can get thousands of items shipped for free. 35 Stores With Free Shipping These companies offer free shipping with no minimum purchase. Some of them ship worldwide for free, while others only ship free within the continental U.S. Some also offer free shipping to your local store. 1. Target If you have a Target REDcard, you’re in for a treat! In addition to saving 5% off your order, you qualify for free U.S. shipping. Alaska and Hawaii are included, and Target also ships to APO/FPO addresses. 2. Timberland Known for its boots and outdoors wear, Timberland offers free standard U.S. shipping on every order. 3. The North Face The North Face sells outdoor apparel and equipment for men, women and kids. Standard shipping is free on all orders in the U.S. 4. Nordstrom Nordstrom is known for its high-end products, but it offers free U.S. shipping to soften the blow — including Alaska, Hawaii and Puerto Rico. If that’s not enough, it also offers free returns! 5. Neiman Marcus Much like Nordstrom, Neiman Marcus is top-of-the-line. But there’s no shipping costs added to their premium offerings, and you’ll have your goods in 3 to 5 business days. 6. Kate Spade Everyone’s favorite purse label — which also sells clothing, shoes and jewelry, by the way — offers free shipping and free returns in all 50 states, via USPS. 7. Lily Pulitzer You know this brand for its brightly colored tropical and paisley prints. But did you know Lily Pulitzer offers free economy shipping on all orders in the U.S., including Alaska, Hawaii and Puerto Rico? 8. Tiffany & Co. The most storied jewelry store ever offers free shipping and free returns on every precious order. 9. Reformation This sustainable women’s clothing maker uses the tagline “Being naked is the #1 most sustainable option. We’re #2.” Bonus: It offers free shipping and free returns on all orders. 10. Bonobos This men’s clothing and accessories shop distinguishes itself with free shipping and free returns in the U.S. 11. Cents of Style Cents of Style is an affordable women’s retailer selling clothes, shoes and accessories. Double down on the deals with free shipping all the time. 12. Ray-Ban What’s cooler than a pair of slick shades? Free U.S. shipping from Ray-Ban! Alaska and Hawaii are included, and orders usually arrive within two to three days. If you want to send an item back, you can return it for free. 13. Fossil You probably know Fossil for its watches. But it also has full lines of men’s and women’s clothing, plus bags and jewelry. All of it ships for free in the U.S. and territories, with delivery in 7 to 10 business days. 14. Keds Enjoy free shipping and free returns on all your sneaker orders. 15. Zappos From shoes to handbags, Zappos has a wonderful selection of clothing and accessories, and everything ships free. This includes Alaska, Hawaii and U.S. territories. The site also offers free returns for one year. Zappos uses USPS Priority Mail to make sure your order gets to your doorstep in four to five days. 16. MAC Cosmetics Makeup, skincare products, kits, makeup tools, fragrances — all MAC products ship for free with standard shipping, which arrives in 2 to 5 business days. 17. Dermstore Dermstore, which sells skincare products, makeup and hair care products, offers free standard shipping on all orders — including to Alaska, Hawaii and Puerto Rico. 18. Apple If the iPad or Mac you’re eyeing is in stock on Apple’s online store, it most likely ships for free. (Excluded are such items as customized Macs and engraved products.) For iPhones you can even get free next-day shipping. 19. Microsoft Microsoft will give you free standard shipping on all orders to the U.S. and Puerto Rico. 20. Dell If you’re in the market for a new laptop, you can get free U.S. shipping to any of the 48 contiguous states. Your order will arrive within three to five days, and you won’t spend a penny extra. Dell also offers a price match guarantee to make sure you get the most bang for your buck. 21. Samsung Samsung offers free shipping on all order in the contiguous United States, including on big TVs. Mobile devices and accessories default to free expedited shipping. 22. AT&T AT&T offers free express shipping on all orders, which normally costs $14.95. Accessory-only orders get free priority shipping, and AT&T will even pay for the return shipping if you choose to send an item back. 23. Otter Box Otter Box makes mobile phone cases, yes. But they also sell outdoor gear including coolers, dry bags and tumblers. All U.S. orders ship free. 24. Crate & Barrel Longing for a new addition to your kitchen? Crate & Barrel boasts a wide range of products that all ship free. As long as you’re in the contiguous U.S., you can snag this deal. Make sure your cart only contains eligible items, or else you’ll have to fork over the shipping cost. 25. Sweetwater If you’re a musician who regularly buys gear, consider buying from Sweetwater. The highly reputable site offers free U.S. shipping on thousands of items. While APO and FPO addresses qualify, Alaska and Hawaii don’t. Most of the company’s orders ship the same day, so you’ll get your new equipment at lightning speed. 26. Amoeba Music Need another reason to buy that record you’ve been eyeballing? Free U.S. shipping from Amoeba should do the trick. It offers cost-free USPS media mail shipping for all music and movie formats. While orders can take 5 to 21 days to arrive, the wait is worth it. 27. Molton Brown Molton Brown’s wide selection of cruelty-free bath and body products is even cooler because of the free U.S shipping. If you’re in the contiguous states, you’ll receive your order within three to seven days. Bonus: You’ll get a free 1-ounce sample with every order and a complimentary gift box if you’re buying for someone else. 28. AbeBooks AbeBooks has a humongous selection of books at unbelievably low prices, and thousands of them qualify for free shipping. The best part? You can search for books that will ship for free specifically to your corner of the world. The site allows you to search for free shipping to the U.S., U.K., Canada and Australia, and they even have a worldwide option. FROM THE SAVE MONEY FORUM Acorns 8/14/19 @ 6:00 PM How to save when grocery shopping 8/15/19 @ 2:43 PM Travel Tips, anyone have any to share? 8/13/19 @ 2:27 PM Save Money, Mystery Shop! Free tickets, food, hotels, entertainment and more! 8/13/19 @ 2:27 PM See more in Save Money or ask a money question 8 Retailers That Offer Free Shipping if You Pick Up in Store These retailers don’t offer free shipping directly to your home without a minimu [...]
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Beckham Hotel Collection Sheets

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Beckham Hotel Collection Sheets
If you have been looking for a great deal on sheets, grab this deal! You can get the Beckham Hotel Collection Sheets for only $31.75. You will be saving 68% on this purchase because it is usually $99.99. Be sure that you grab this deal soon because the prices can change at any time! The post Beckham Hotel Collection Sheets appeared first on Penny Pinchin' Mom. [...]
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Free Summer Reading Programs 2019

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Free Summer Reading Programs 2019
If you’re looking for summer reading programs for kids, this is our comprehensive list of all the completely FREE programs! {Looking for other fun summer deals? Kids can bowl for free and skate for free at many participating locations this summer! And don’t forget to stop by Sonic after 8 p.m. for half-price ice cream shakes!} Believe it or not, it’s almost that time of year again — when school is out and summer reading programs abound. Yay! (Well, some of you might not be saying “yay!”, but we do because my kids LOVE them some summer reading programs!) Free Summer Reading Programs 2019 Do your kids love to read, too? If so, this is our big list of all the FREE summer reading programs that are available nationally! Amazon — Kids who read any eight books this summer can bring their list of books read to the nearest Amazon Retail Store to receive a Star Reader Certificate and their choice of a free book. Audiobook Sync — SYNC will give away two complete audiobook downloads per week for teens 13+. Sign up to get notifications when the free audiobook downloads are available. Barnes & Noble — Earn a free book through the Barnes & Noble Summer Reading Program for kids in grades 1-6. Read any eight books this summer and record them in your Summer Reading Journal (English or Español ). Tell them which part of the book is your favorite, and why. Bring your completed journal to a Barnes & Noble store between August 1st and August 31st, 2019. Choose your free book from the books listed on the back of the reading journal. Books-A-Million — Read any four books from the Summer Reading Adventure section in-store or online and receive a free drawstring backpack (while supplies last). Half Price Books — Kids 14 or younger can read 15 minutes per day to reach a total of at least 300 minutes. After that, they can take their completed reading log to their local store to earn Bookworm Bucks before August 29th. (In addition, they have a summer reading program for teens.) Lifeway Stores –– Read six books over the course of the summer and memorize six Scripture verses. Then, complete your journal and the online form to redeem your prizes (Choose from one of nine books, plus receive a free Bible, while supplies last). This program is geared toward grades 1 through 6 and even toddlers, ages 1 to 5. However, all are welcome to join in the adventure! Scholastic — Kids can enter their summer reading minutes online to unlock digital rewards as they complete weekly reading challenges and access book excerpts, videos, and other summer-exclusive content. Showcase Cinemas — Bookworm Wednesdays entitles kids to free admission to a select children’s film when they present a book report at a participating Cinema de Lux, Showcase, or Multiplex Cinemas box office. Accompanying parents or guardians and children under six years of age receive free admission and do not need to submit a book report. Local Libraries — Above all, don’t forget about your local library! Most of them offer fun summer reading programs with prizes and more. Psst! Don’t forget about the Pizza Hut Book-It Program that runs each school year! Do you know of any other Summer Reading Programs we should add to this list? Let us know in the comments! [...]
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