Sign up with EF Education First to work from home as an ESL teacher!

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Sign up with EF Education First to work from home as an ESL teacher!
This post may contain affiliate links. Read my disclosure policy here. Looking for unique ways to earn a part-time income from home? Apply to teach with EF Education First! If you hold a Bachelor’s degree, you can currently apply with EF Education First to to make money teaching kids English online from the comfort of your home! With EF Education First, your teaching is supplemental to what they’re already learning in a classroom environment. You don’t need any mandatory props or teaching backdrops. And you can earn up to $2,000 per month teaching part-time with EF Education First! Interested? Here’s how to apply: Go HERE and and enter your name and e-mail address to get started. Complete the application form. Speak to someone from the recruitment team. If hired, you’ll get a contract and be up and running in as little as two weeks! Go here to apply to teach with EF Education First! Psst! Looking for more opportunities like this? You can also apply with VIPKID or Qkids to teach part-time from home! [...]
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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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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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1 in 3 Workers Make This Life-Changing 401(k) Mistake

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1 in 3 Workers Make This Life-Changing 401(k) Mistake
Who would turn down free money? About 1 in 3 workers, as it turns out. About 33% of workers do not contribute enough money to their 401(k) plan each year to get their full company match, says Vanguard, one of the world’s biggest mutual fund providers. In its “How America Saves 2019” report, Vanguard says that during 2018, almost two-thirds of workers received the full employer... [...]
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Planning Your Wedding? Here Are 4 Ways to Cut Costs Without Compromising

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Planning Your Wedding? Here Are 4 Ways to Cut Costs Without Compromising
Getting engaged is amazing, but the thrill of the engagement can last just a few hours before conversations turn toward the next step: wedding planning. You might be overjoyed while still feeling a rising gnawing in your stomach. You’re going to plan a wedding, and weddings are expensive: In 2018, the average wedding cost more than $33,900. I can think of a handful of other worthy investments for such an amount. A down payment on a house. A brand-new car. A hearty portion of a college degree (or student loan). All of those options seem more worthy of this kind of cash than a one-day celebration. After celebrating the nuptials of many friends and family members, I know there is no “perfect” wedding, and the celebration can be enjoyed on any budget. But managing your wedding budget can be stressful. Do-it-yourself projects offer savings, but require time, some level of skill and patience. But there are ways to lighten your financial load without having to exert a huge effort on the Pinterest front. You want your wedding celebration to be simple and fun — not complicated and stressful. So here are my tips for cutting wedding costs without compromising. How to Save Money on a Wedding With 4 Simple Tricks 1. Seek Alternative Venues When it comes to setting a date and picking a place, some tips are well-known: Some months are priced at a premium; Saturday weddings are usually the most expensive; dinner will cost more than brunch or lunch. One easy tip: Think outside the hotel ballroom. Consider art galleries, performance spaces, church halls and grounds, parks and other “nontraditional” venues for your ceremony and reception. Locations that don’t host weddings around the clock are likely to have more amenable price tags. But many of the beautiful venues you’ll see online are merely shells when you write the deposit check. It takes decorations, a caterer, linens, china and sometimes even table and chair rental to turn a beautiful spot into a reception site. Those costs add up.   So consider a venue that already has what you need for your big day: a restaurant. It may seem prohibitive to rent out an entire eatery, but check out spaces that have separate sections for private or semi-private events. Rental fees for these areas (before food, drinks, fees and gratuity) is often the same as you would pay to host a bridal or baby shower luncheon. And restaurants usually come with place settings, tablecloths and other items you’ll need. If you’re happy with the restaurant’s decor, your job is so much easier. 2. Arrange Your Own Flowers Speaking of decor, let’s discuss floral arrangements. The average cost of wedding flowers in 2017 was nearly $2,400, according to a study by The Knot. Only a few lucky couples will have a neighbor with beautiful flower gardens who offers to contribute bouquets. Instead, turn to a more practical option: a flower wholesaler. Simply search “flower wholesale + [your city or region]” to find one in your area. Pro Tip If you’re not set on having identical centerpieces, search for vases at your local thrift store. You’ll pay a lot less for vases you’ll likely only use once, and the variety may be satisfying. Wholesale warehouses are often open to the public, and staff can advise you on what’s in season or what you could mix and match. By doing a bit of arranging yourself (or with help from friends and family), you can have beautiful bouquets for a fraction of the price.    3. Cut the Cake If you enjoy baking reality shows as much as I do, you know that wedding cakes can be extremely expensive. But when’s the last time you thought about a cake you ate at a wedding? Consider skipping a tiered cake with globs of icing in favor of treats like cookies, doughnuts or maybe even pie. Think about your favorite dessert options, and decide what’s most meaningful for you. Pro Tip Crafty types who aren’t afraid to DIY can skip a custom cake altogether and doctor up a grocery store cake. A Practical Wedding shared a few tasty-looking tutorials. If you’re set on having a cake but want to stick to a reasonable budget, Bridal Guide curated a dessert directory with tricks and tips from professional bakers. Some of my favorite ways to cut costs before you cut the cake: Choose buttercream frosting over fondant; display a small cake while offering unstacked slices from the same recipe to your guests; and choose in-season fruits for garnishes or fillings. 4. Say Yes to a Different Dress I know, brides, I know — your dress is a big deal. It’s hard to compromise on this item. But wedding gowns can run the price gamut, and if you fall in love with a dress with an unexpectedly high price tag, it could singlehandedly wreck your budget. FROM THE SAVE MONEY FORUM Save my money! 6/13/19 @ 9:38 AM D SAVING MONEY ON A FIXED INCOME 6/7/19 @ 9:31 AM Always buy used when possible 6/12/19 @ 1:48 PM Over Couponing 4/15/19 @ 12:43 PM B See more in Save Money or ask a money question Instead, consider doing a bit of research and embracing the idea of wearing “something old.” Beyond eBay, sites like Once Wed, Tradesy, Nearly Newlywed, Wore it Once and Pre-Owned Wedding Dresses have page after page filled with beautiful dresses that have typically already been cleaned after their first big day. If you have a favorite designer in mind, spending a bit of time searching these sites can help you get a great deal. Just remember to also research tailors near you who can make any alterations you may need. Willing to wear something even older? Many vintage shops sell wedding dresses from yesteryear that could use a little bit of love — a bit of stain removal or seam repair — for as low as $100. If you love the thrill of the hunt, you may find the dress of your dreams. Pro Tip Don’t forget to check the formalwear racks as well. Just because a dress wasn’t designed for a wedding doesn’t mean it can’t make you shine on your big day. But consider that you can skip buying a dress altogether. In that case, try renting your wedding dress instead. If you can’t find a local shop in your area, check out Rent the Runway, an online platform that caters to brides across the country. Other platforms, like Happily Ever Borrowed and Adorn have you covered when it comes to accessories. Want more tips on saving on your big day? Check out this list of 90 (yes 90!) ways to do just that. Lisa Rowan is a former 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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21 Ways to Sharpen Your Memory at Any Age

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21 Ways to Sharpen Your Memory at Any Age
WAYHOME studio / Shutterstock.com It’s time to think beyond crossword puzzles and sudoku. While some research does show that these activities and other “brain-training” games can slow cognitive decline, they aren’t the only ways to keep your mind sharp. Try one of these other strategies to avoid embarrassing memory lapses. [...]
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Noom: The Gift I Gave Myself this Mother’s Day

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Noom: The Gift I Gave Myself this Mother’s Day
This is a sponsored post on behalf of Noom. All opinions are my own and were not influenced by any parties. I love Mother’s Day!  And it has nothing to do with the cards or the gifts.  I love it because of what it means.  It is about the greatest blessings in my life – ... Read More about Noom: The Gift I Gave Myself this Mother’s Day The post Noom: The Gift I Gave Myself this Mother’s Day appeared first on Penny Pinchin' Mom. [...]
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