How to Build a Cheap Home Gym for Less Than $100

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How to Build a Cheap Home Gym for Less Than $100
With gyms across the country closing to help combat the spread of COVID-19, the disease caused by the new coronavirus, you’re probably wondering how you can keep up with your workout routine while also practicing for social distancing. Enter the home gym. Creating a home gym will not only help you stay in shape but could also save you money in the long run, considering the high cost of gym memberships and boutique fitness classes that can cost more than $20… for a single hour. TPH editor Caitlin Constantine is no stranger to workout-related expenses. As a triathlete, a huge chunk of her disposable cash goes toward racing fees and nutrition. She’s completed two Ironmans, seven marathons and even two ultramarathons. But those race fees add up, to say nothing of all the time and energy she spends on her extensive training. Why add in extra hours slogging back and forth to a gym? However, she knows staying in shape can lengthen and improve lives in every way from preventing injury to counterbalancing mental health issues — which is particularly important during these stressful times — so she’s passionate about deconstructing the myth that fitness has to be complicated and expensive. “It’s our birthright as human beings to be able to use our bodies and make the most of them,” she says.  So she was thrilled to share the details on the cheap home gym she built to help her cross-train cheaply and conveniently — all for less than $100. How to Build a Home Gym for Less Than a Benjamin To ditch the expense of her fitness membership, Constantine built a home gym for under $100.  If that still seems pricy to you, keep in mind: You might spend that for just five Pure Barre classes or a few months of a gym membership. That doesn’t count activation fees or the gas you’ll spend getting there and back.  Once you stock your home gym, it’s yours to keep — no membership renewal necessary. Here’s what’s in Constantine’s workout room, and how she uses it. Resistance Bands Cost: $10+ Exercises: Clamshells, leg lifts, almost any bodyweight exercise  You can amp up nearly every classic exercise you can think of by adding extra resistance.  The cheapest way to do that? Resistance bands.  Constantine found hers at a sports store for $12, but you can find them online starting for less than $10. They usually come in a set of different tensile strengths, so you can customize your workout. Constantine notes they’re a great addition to any runner’s fitness regime. “As a runner, I’m constantly trying to strengthen my hips,” she says. Doing resistance-assisted clamshells and leg lifts helps her accomplish that goal, and also helps with her running-related knee issues. Balance Ball Cost: $10-$30 Exercises: Jackknife, plank (not actually just for men, despite the video!), bridge, back extension Ah, the stability ball. Turns out it’s good for more than just replacing your office chair and making your colleagues feel lazy! “I like the exercise ball because it’s good for doing a lot of core work,” says Constantine.  And as awesome as the stability ball is for core work, you’ll find you can use it for everything from glutes to arms. Tons of full-body workouts require nothing but a properly sized stability ball.  Plus, they’re dirt cheap — starting at about $16 and going up to about $30, depending on the size and brand. Dumbbells Cost: About $20 apiece, depending on weight Exercises: Bicep curls, shoulder press, overhead triceps extension, flyes, deadlifts, the works! Full disclosure: This is the most expensive item on the list. Dumbbells can go for $8 or more each — and yes, that means a single dumbbell, not a set of two. That said, dumbbells are awesome. They’re one of the most versatile and long-lived pieces of equipment you can add to your home gym. Constantine sprung for two pairs — a 10- and 20-pound set, which she uses for everything from chest press lying on her stability ball to deadlifts. Hers cost about $20 each, but the lighter ones are slightly cheaper if you’re not on Constantine’s super-strong level quite yet.  If you’re just starting out and aren’t sure where you stand — or squat, as the case may be — you might consider snapping up a set of several dumbbells, or an adjustable version. That way, you’ll have a few options to choose from, and you can scale in either direction if things prove to be too heavy (or too light!). You can also find them (and anything else on the list!) pre-owned on Craigslist to cut your costs even further.  This even goes for bigger pieces of equipment if you have a special interest in weight training.  Constantine says you can find many online from hopefuls who purchased, and then never used, their weight racks. (“They ended up becoming an expensive clothes hanger” instead, she says.) Other Home Gym Odds and Ends Although you can craft an effective workout with any or all of the home gym equipment listed above, Constantine also picked up a few more odds and ends. Since she practices yoga to round out her intense training, she’s got a yoga mat. You can get one as cheap as $20 or get fancy — Manduka mats are pretty expensive, but they do offer a lifetime guarantee! And her next purchase? A doorway chin-up bar, as long as she can find a good place in her home to install it. They cost between $20 and $40 and work way more body parts than just your arms: core, back, shoulders, you name it. Staying Fit Might Be Hard, but It Doesn’t Have to Be Complicated Since Constantine’s a capital-A Athlete, she supplements her at-home workouts with a strenuous training program involving long runs, swims and bike rides.  (“How long is long?” I asked. “Well, the long run I did on Saturday was like 12 miles,” she responded. So, yeah.) But you don’t have to be in a competitive sport to be fit and healthy — or to reap the life-changing benefits of a commitment to fitness. “All the triathlon stuff that I do, that’s way extra,” Constantine says. She considers it her hobby.  “If I was just trying to be healthy, I would just do some planks, do some push-ups, maybe walk for an hour around my neighborhood each night.”  “I feel like there’s this tendency to make fitness seem more complicated than it actually needs to be,” she says — partially because fitness is a huge and profitable industry. FROM THE SAVE MONEY FORUM BEING THRIFTY DOESN'T MEAN CHEAP STUFF 1/22/20 @ 3:22 AM Baking bread 3/23/20 @ 3:13 PM Saving on vegetarian food 3/23/20 @ 2:18 PM M Saving at the Grocery Store 3/4/20 @ 2:43 PM See more in Save Money or ask a money question But you don’t have to pay a coach or buy a gym membership to be healthy. No matter what, just do something that’s not sitting for at least an hour every day. It doesn’t have to be intense or unpleasant — in fact, it should be fun!  “There’s no one specific way to get fit,” Constantine says. “Mostly the body just wants to move.” So pick an activity — any activity — you enjoy and get moving. Yes, dancing around in your underwear or playfully chasing your toddler around the backyard both count. Ideally, you’ll get your heart rate up, do some weight-bearin [...]
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3 Books I Finished Last Week (+ 1 book I quit)

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3 Books I Finished Last Week (+ 1 book I quit)
Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Want to see all of the books I’ve read so far this year? Check out my Good Reads page. Get Your Life Back: Everyday Practices for a World Gone Mad I knew within reading just a few pages of this book that I was going to love it. I’m only vaguely familiar with John Eldredge and had never read any of his other books, but I truly found this book valuable and inspiring. In fact, I found it so helpful, that Jesse and I recorded a podcast together with some of my initial thoughts from the book last week. Then, we invited John to come do an interview with me where he shared even more about what first prompted him to write this book (he was feeling burnt out and addicted to his phone and email) and daily practices that have helped him to regain his perspective, renew his soul, and refresh his spirit. We recorded the podcast episode with him today and I can’t wait to share it with you next week! I think you’ll find his thoughts on caring for your soul, the power of the one-minute pause, and cultivating beauty in your life to truly be an inspiration! And, if you can’t tell, I also definitely recommend reading this book! 🙂 Verdict: 4 stars I Choose Brave: Embracing Holy Courage and Understanding Godly Fear Katie asked me if I would endorse her book a few months ago. I rarely say yes to endorsement requests, but the book title and subject intrigued me and I’d heard so many wonderful things about Katie. It was an honor to get to endorse her book. My only critique is that I would have loved for her to share a lot more of her journey and story, because I feel we could all really benefit from hearing more of what she has walked through. Here’s what I wrote about her book: If you are walking through a hard place in your life, struggling with fear, or feeling overwhelmed by a mountain ahead of you, Katie’s book will serve as a welcome reminder to you to fear God and walk in faith. Her words challenged and convicted me to say “yes” to boldly believe God and choose bravery, in spite of my own fear. This book is slated to release in August (thus the reason I don’t have a pretty book picture to show you; what I read was a collection of coiled bound papers that were her book’s final draft!) Verdict: 3 stars Raising Worry-Free Girls Whether you have sons or daughters, I think this is a valuable read. Yes, all of her stories, anecdotes, and advice is more girl-driven, but I think much of it applies to boys (and adults!), too. There is an epidemic of anxiety going on among our youth. This book will give you some starting places, great tools, and lots of food-for-thought to help you combat your kids’ anxiety. I found so many new insights, wise advice, and practical ideas for us to implement in our home through the pages. This book is not a replacement for counseling or therapy, but it would be a fantastic starting place if you feel like your child might be struggling with anxiety. Verdict: 4 stars Book I Quit: Things You Save in a Fire — I started listening to this because I enjoyed one of the author’s other books. About 4-5 chapters in, I felt like it was just too fluffy and felt sort of soap-opera-ish (not to mention that it had quite a bit of language), so I returned it back to the library on my Libby app. Life’s too short to spend it on books that aren’t feeding your soul! What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
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3 Easy Ways to Get Free Tickets to Advance Movie Screenings

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3 Easy Ways to Get Free Tickets to Advance Movie Screenings
Ever wonder how people get invited to advance movie screenings? If you’re like me, you’ve assumed such events are reserved for VIPs and members of the media.  The truth is, anyone can get free tickets to early movie screenings. Film studios regularly give away tickets to create positive buzz and press before the official release of a film.  3 Ways to Get Tickets to Advance Movie Screenings Curious about how to get free passes to advance movie screenings? If you’re a big movie fan, the following tips could save you hundreds, if not thousands, of dollars in admission prices. 1. Sign Up With Gofobo  Register for a free account with Gofobo, a site where movie studios and public relations firms offer advance movie screening passes directly to members of the general public.  Why are the studios giving these tickets away for free? They know that people who enjoy the film will provide free word-of-mouth advertising by talking to their friends and posting on social media.  Public screenings listed on Gofobo are open to everyone until tickets run out. To attend a private screening, you’ll need a private RSVP code.  Other useful sites to check out are SeeItFirst.net, which sometimes offers films exclusively to its members via email, and AdvanceScreenings.com. 2. Follow PR Firms on Social Media  PR firms offer free tickets, prizes and invitations to special events to generate excitement for upcoming movie releases.  Allied Global Marketing is the largest of these PR firms. Find the company on Twitter @AlliedGlobalMkg. Allied will keep you updated on the latest Hollywood news, trailers and more. If you’re going to be hanging out on social media anyway, you may as well earn free stuff, right? A few other websites, like Advance Movie Screenings and Wild About Movies, list advance movie screenings. Follow their Twitter and Facebook pages for your city, state or region. These sites don’t require RSVP codes. Instead, tickets are issued by random draw or on a first come, first served basis. 3. Tune In to the Radio Radio stations give away free movie passes all the time. Check your local station’s website to see if it has a VIP member club or reward program.  Some stations allow their listeners to collect member points online by answering trivia questions or clicking on sponsored links. These points can then be redeemed toward movie passes and other prizes. Subscribe to radio station newsletters to stay updated on their latest contests and giveaways. How to Watch Movies for Free AND Make Money Doing it Going to the movies for free is awesome, but how much better would it be if someone were paying you to do it?  You could earn money at movie premieres by counting audience members and noting which previews run before the main feature.  If you’re a writer, review films for your local paper or set up a movie review blog and earn advertising revenue. There are many ways to earn money by watching movies. Get creative!  FROM THE SAVE MONEY FORUM Maybe Obvious, Maybe Not 2/27/20 @ 1:57 PM Financial Fitness February: Day 2 2/3/20 @ 12:30 AM try this 2/21/20 @ 3:02 PM Help me out here. Theater or no theater? 2/20/20 @ 7:41 AM See more in Save Money or ask a money question What Else Do You Need to Know? Be sure to arrive at least 30 minutes before the screening. Keep in mind that the first few rows of the theater are reserved for members of the press, and screenings are frequently overbooked. You may be turned away if you don’t show up early enough.  For my first screening, I arrived at my local theater 20 minutes early and was shocked to see how many people were already lined up outside of the box office.  After the screening, you’ll likely be asked to give your opinion on the film or fill out a questionnaire. This is your opportunity to let the studio, screenwriters, directors, producers and cast know what you thought of the movie! By following the above steps, you should be able to grab a pair of free movie passes in no time. And with the extra money you’re saving at the box office, you won’t feel so guilty for splurging on those Gobstoppers. Happy movie going! Althea Clarke is a contributor to 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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Own Your Solo Act with These Financial Tips for Singles

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Own Your Solo Act with These Financial Tips for Singles
It’s all on you. When you’re single, you don’t have a spouse helping you pay bills or a partner nagging you to spend less and save more. How much money you make and what you do with that cash is up to you alone … and only you deal with the repercussions of your financial mistakes. To live your best life as captain of your own ship, you’ve got to commit to making the right choices. Here are 11 financial tips for singles to heed. 1. Build an Emergency Fund An emergency fund is your safety net when something goes wrong. It’s especially important to have a robust emergency fund as a single person because you don’t have someone else’s savings or salary to tap into if your car breaks down or you get laid off from your job. The common recommendation for an emergency fund is to have three-to-six months worth of expenses saved, but if you’re starting from scratch, develop a smaller-scale goal and work your way up to that amount. This guide on how to start an emergency fund can help. Pro Tip Prioritize your savings by paying yourself first. Setting money aside in a savings account when you get paid. By not letting it sit in your checking account, you’re less likely to spend that cash. 2. Save for Retirement The downside of being single: You don’t have a partner helping you add to your retirement accounts. The upside: You only need enough savings to support one person in retirement, not two. Regardless of your relationship status, contributing to a 401(k) or IRA early and often can help you build a comfortable nest egg for your golden years. We break down how to save money for retirement at various stages of life. 3. Create a Budget When your money isn’t merged with a significant other, you don’t have to worry about anyone questioning your spending decisions. Want to drop $300 on a pair of new shoes? Who’s going to tell you no? But just because you don’t have to answer to anyone doesn’t mean it’s okay to spend without a plan. That’s where having a budget comes in. Your budget will show you if you have enough funds to buy those pricey shoes or if that purchase would derail paying the bills on time. If you’re among the many, many Americans who aren’t in the practice of budgeting, check out these tips on how to budget as a beginner. While you’re establishing your various budget categories and spending limits, make sure to include room for a little fun money. It’s hard to stick to a budget that’s too restrictive and leaves you feeling deprived. 4. Stop Being Loyal to Service Providers You’re a free agent when it comes to dating whoever you want. Applying a similar mindset when it comes to service providers — like your cell phone company or car insurance provider — can help you save money. You don’t have to stay tied down to who you’re with today. Check rates and offers from competing service providers to see if you can get similar service for less. If you’re under contract with your current provider, ask the competition if they’ll pay the fee for you to jump ship. Another option: If you’re satisfied with, say, your internet service but find another company is offering lower rates, use that as leverage to negotiate a better price with your provider. Some companies will meet a competitor’s rate to avoid losing a good customer. 5. Vet Potential Roommates Carefully Taking on a roommate can be a great way to reduce housing expenses. But if your roommate ends up being a bum who’s always late with the rent, you’re in for a heap of trouble. Save yourself the headache and do your due diligence ahead of time by asking these screening questions for potential roommates. Pro Tip If you want the social and financial benefits of roommates without being on the hook if they’re short on rent, consider getting an individual room in a coliving space, like this woman did. 6. Embrace Meal Planning When you just have to worry about feeding yourself, it’s oh so convenient to order something on Grubhub or UberEats and call it a night. But do that multiple times a week and the expenses add up quick. Cooking at home is a more economical solution. When you meal prep, you can save time and money. Cook multiple servings of staples like chicken, rice or potatoes and wash and chop veggies in advance so you can quickly pull meals together throughout the week. Avoid prepping too far in advance, though, so your food doesn’t spoil. Meal planning also works for snacks too. Buy a bulk bag of your favorite munchies and divvy it into individual portions instead of spending more on a bunch of snack-size packages. 7. Be Mindful of Lifestyle Inflation When you get a big raise or unexpected windfall of cash, it might be tempting to go into treat-yourself mode. A new wardrobe. The latest iPhone. Weekly spa treatments. But you shouldn’t give into lifestyle inflation without being prudent and addressing things like debt and saving for retirement.  Does that mean you have to keep that ratty futon from college instead of buying a real couch because you’re still paying back student loans? Not exactly. It just means budget your extra money so you increase your student loan payments and have cash for that furniture upgrade. FROM THE SAVE MONEY FORUM What gadgets have you purchased that you felt really saved you money? 2/11/20 @ 12:05 PM How I save money on pest control 2/4/20 @ 8:50 PM Financial Fitness February: Day 4 (And a Money Saving Tip) 2/5/20 @ 5:05 AM Extreme Couponing Tips to Add More Money Into Your Wallet 2/4/20 @ 12:20 PM See more in Save Money or ask a money question 8. Get an Accountability Partner for Debt Payoff Motivation Paying down debt can be a tedious process. It can help to have someone on your side, keeping you encouraged and steering you back on course when you struggle. An accountability partner does just that. Choose a friend or family member you can confide in about your goals and challenges. Your accountability buddy should be someone who’s not afraid to give you tough love when you need it but who’ll also be your cheerleader throughout your debt payoff process. 9. Have Multiple Sources of Income Losing your job or having your boss cut your hours can be financially devastating when you’re single. Having additional streams of income can ensure you still have money coming in if something happens to your main job. Consider picking up a side hustle, getting a second job or starting an entrepreneurial pursuit. Looking for a way to make more money? You could work from home. We post new job opportunities every weekday. Though you’ll boost your bank account, it requires a bit of juggling to manage more than one job. This woman shares her advice on balancing a side gig with full-time work. 10. Consider if You Need Life Insurance Being single you might think, why would I need life insurance? To be honest, paying into a life insurance policy may not be a priority for you. But if you have kids or have a loan that someone co-signed, getting a life insurance policy is a smart choice. You might also consider getting a policy if you’re a business owner or want to leave something behind for your loved ones. Here’s a run down of the types of life insurance and the best life in [...]
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This Week in Fintech 7th February 2020

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This Week in Fintech 7th February 2020
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5 Books I Read This Past Week (+ 1 classic movie we watched)

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5 Books I Read This Past Week (+ 1 classic movie we watched)
Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. Okay, I’m absolutely giddy to tell you that I finished 15+ books in January. Honestly, I am pretty shocked by this number! I think some of it has to do with setting weekly goals and some of it has to do with prioritizing audiobooks again (and the fact that they no longer make me nauseous now that I’m further along in my pregnancy, reading aloud again, and switching from being on my phone (answering comments/messages) while on the treadmill to reading/praying while on the treadmill. It seems like tiny tweaks and additions have added up to big results. And this is so encouraging to me. No promises that I’ll keep up this pace for the rest of the year! However, considering how full January has been, it seems like it truly might be possible to at least keep reading 2-3 books/week most weeks. We’ll see! If you want to see what I’m currently reading or what I’ve read so far this year, you can check out my GoodReads account. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Before and After I was so excited about this book as it’s the real-life stories of the children who survived the Tennessee Children’s Home Society. (If you have read or listened to Before We Were Yours, you’re familiar with that heart-breaking story.) While I think these stories need to be told and while I found some of them fascinating, the book as a whole was a let down when compared to Before We Were Yours. Maybe it’s because I was expecting more cohesiveness in the book as opposed to a lot of individual stories with only what felt like a thin plot string holding them together. If you loved Before We Were Yours, you might enjoy this book for more real-life biography/backstory for the novel. However, if you’re only going to read one of the two books, definitely read Before We Were Yours. I decided to give this book 3 stars because 2 stars felt like I was doing a disservice to the families and children and lives that were wrecked by the Tennessee Children’s Home Society. But for the writing and overall level that the book engaged me, I’d probably only give it two stars. Verdict: 3 stars 100 Ways to Love Your Husband + 100 Ways to Love Your Wife If you are looking for some practical ideas and inspiration for ways to love your spouse, these small books are a great starting place. They are filled with 100 different ideas to speak love to your spouse. Now, I’ll say that not all of these ideas will work for every couple. There are some that would most definitely not really be our “thing” at all. But there were other ideas that I hadn’t thought of before that provided some highly motivating and inspiration sparks of inspiration for ways I can practically show Jesse love. If you need more encouragement, be sure to check out this week’s podcast episode with the authors, Matt and Lisa Jacobson! Verdict: 3 stars Live Love Now I was sent a pre-release copy of this book in order to write an endorsement. Rachel Macy Stafford’s books have deeply impacted me and it was an honor to get to write an endorsement for her. Here was what I wrote: If you are the parent or grandparent of a pre-teen or teen or if you have any interaction at all with teens or tweens, you need to read this book. It is packed with powerful reminders of how our words, actions, attitudes, and availability (or lack thereof), leave indelible marks on the next generation. I was inspired, convicted, and challenged by Rachel’s gentle message of how to guide, encourage, and impact young adults to live with less stress and more joy. And I took away so many practical applications I plan to immediately implement in our home and parenting. Note: I likely would have given this more than 3 stars, but I felt like the writing was a big choppy at times and it sometimes felt more like reading a collection of essays or blog posts. However, the underlying concepts in so many of the chapters were really, really good. Verdict: 3 stars The Whole-Brain Child This was, by far, my favorite book this week. I honestly cannot stop talking about it. Poor Jesse has had to listen to me rave again and again about it all week long! 🙂 This was highly recommended to by one of our kids’ counselors and and one of their therapists in the past few years and I finally read it. It is packed with great suggestions and strategies for helping our kids process the world, relate better with others, and feel more loved and secure. It is not written from a Christian perspective, but I found the sections on brain science to be fascinating and really enlightening. If you are a parent or work with kids in any capacity, I highly recommend this book to help you better love, understand, teach, and nurture the kids in your life. Note: I would have given it 5 stars, but I disagreed with some of the points (and felt a few were not entirely Biblical) so I only gave it a 4-star rating. Verdict: 4 stars Classic Movie We Watched This Week The kids decided — all on their own — that they want to start watching one old classic movie per week together as a family in 2020. They are helping me choose the list of movies and I’ll be reporting here what we watch each week and their thoughts on it. I plan to do a big classic movie round-up post at the end of the year with their verdict on the best and favorites of the ones we watched. (Thank you for all the great suggestions for must-watch classic movies!) This week, we watched the original Cheaper by the Dozen movie. I had seen it once before but it’s been a long time! While it’s a little slow moving and ends on a sad note, it has some genuinely funny moments throughout it. By the way, the movie is loosely based upon the real-life story as told in the book by the same name. I read it years and years ago and remember liking it. Have you read it before? I was wondering if it would be worth reading to the kids or not? I can’t remember it well enough now! What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
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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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Can You Transfer Private Student Loans to Federal Loans?

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Can You Transfer Private Student Loans to Federal Loans?
Federal student loans can become private loans via refinancing. But there’s no way to transfer private student loans to federal. Borrowers who refinance federal student loans into private loans cannot undo this move and should understand its risks. Can you combine federal and private student loans? You can combine federal and private student loans, but... Ryan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. The article Can You Transfer Private Student Loans to Federal Loans? originally appeared on NerdWallet. [...]
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SEC Staff Announces Changes to Rule 14a-8 No-Action Request Process

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SEC Staff Announces Changes to Rule 14a-8 No-Action Request Process
On September 6, the staff of the Division of Corporation Finance (the Staff) of the Securities and Exchange Commission announced changes (the Announcement) concerning its procedures for administering Rule 14a-8 under the Securities Exchange Act of 1934. Specifically, starting with the 2019-2020 proxy season, in response to no-action requests by companies seeking to exclude shareholder proposals from their proxy materials pursuant to Rule 14a-8, the Staff may provide an oral statement of its view, rather than issuing the statement in writing. The Staff clarified that its response to such a request may be that it agrees, disagrees or declines to state a view with respect to the company’s basis for excluding the shareholder proposal, and, when the Staff declines to state its view with respect to a particular no-action request under Rule 14a-8, the interested party or parties should not interpret that as indicating the proposal must be included in the company’s proxy materials. As a reminder, the granting of no-action relief by the Staff confirms that the Staff will not recommend that the SEC bring an enforcement action against the requester based on the facts and representations described in the request, but, as noted in the Announcement, regardless of the Staff’s position, parties may still bring a suit in court to have the issue adjudicated on the merits.  Additionally, the Staff will still issue written response letters when “doing so would provide value, such as more broadly applicable guidance about complying with Rule 14a-8.” The Announcement also reiterated prior guidance that, when a company request for no-action relief is being made under paragraphs (i)(5) (Relevance) or (i)(7) (Management functions) of Rule 14a-8, it is helpful to the Staff for the company to provide its board of directors’ analysis. The full text of the Announcement is available here. [...]
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Women’s Running Magazine Discount

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Women’s Running Magazine Discount
Another great magazine deal!  This time, the savings are on Women’s Running Magazine! WOMEN’S RUNNING SUBSCRIPTION DISCOUNT Check out this limited time offer on a subscription to Women’s Running magazine!  Now through 9/4/19, you can order up to 4 years for just $6.99 per year. That’s 89% savings! Just enter the coupon code PENNYPINCH at checkout, and ... Read More about Women’s Running Magazine Discount The post Women’s Running Magazine Discount appeared first on Penny Pinchin' Mom. [...]
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Conventional Loan Requirements and Guidelines for 2019

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Conventional Loan Requirements and Guidelines for 2019
When buying a home, many people opt for a conventional loan, a type of mortgage that’s readily available from most lenders. Here’s a look at the qualification requirements. What is a conventional loan? Conventional loans aren’t backed by a government agency, but they do follow some government guidelines. Most conventional loans conform to loan limits... Beth Buczynski is a writer at NerdWallet. Email: bbuczynski@nerdwallet.com. Twitter: @bethbuczynski. The article Conventional Loan Requirements and Guidelines for 2019 originally appeared on NerdWallet. [...]
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Here’s How You Could Get Homeowners Insurance for $25/Month (Seriously)

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Here’s How You Could Get Homeowners Insurance for $25/Month (Seriously)
Fires, lightning and hail. Windstorms, vandals and burglars. If you own a home, you need insurance to protect it from threats like these. Heck, if you have a mortgage on your home — like almost all of us do — you’re required to have homeowners insurance. And if you have homeowners or renters insurance, it’s a fact that you might be paying too much for it. That’s because insurance companies are notorious for charging wildly varying rates. Try shopping around. Start by getting a free quote. You literally have nothing to lose by doing this. We recommend checking out the online insurance company Lemonade, where renters insurance starts at $5 a month and home insurance starts at $25 a month. While homeowners insurance starts at $25, that doesn’t mean you’re skimping on coverage. Your ultimate price will depend on factors such as your home’s size, location and age; and the coverage amounts you choose. It’s just that Lemonade starts out at an affordable level. Here’s how easy it is to get a quote. You can do it all online, and it won’t hurt your credit score. Click “Check Our Prices.” Meet Maya, Lemonade’s friendly bot, who will ask you a few questions. Once you complete the application, you’ll receive a quote within a minute or two. Lemonade is a Transparent Beverage Beyond affordable rates, Lemonade adds a layer of transparency you don’t often see in the insurance world. Instead of profiting extra when it doesn’t have to pay out claims, the company keeps a set 20% of your premium for itself, and 80% goes into a pool for paying claims. Money left over after paying claims each year goes to a charitable cause of your choice. That also means Lemonade isn’t going to be conflicted about granting customers the claims they deserve — because the money isn’t going into its pockets. Homeowners insurance covers the cost of repairing or rebuilding your home if it gets damaged by fire or the kind of natural disaster insurers call “acts of God.” When you borrow money from a bank to buy a house, it’ll require you to insure that asset. Renters insurance covers the cost of replacing your possessions if they’re stolen or damaged by fire or vandalism. Most don’t cover flooding. Exactly what it covers depends on the policy. Here’s what else to know about Lemonade: There are no insurance agents. You do the whole thing online through Lemonade’s website or through its Apple or Android apps. You sign up and make claims online. It’s available in Arkansas, Arizona, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Nevada, New Jersey, New Mexico, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia, Washington, D.C. and Wisconsin. You can get discounts for having safety equipment, such as fire and burglar alarms. It’s easy-peasy, lemon-squeezy. Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. When life gives him lemons, he squeezes them in people’s eyes. 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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