Bernar de la Hera: “Working in ONEtoONE brings you more professional freedom”

Bernar de la Hera: “Working in ONEtoONE brings you more professional freedom”

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Bernar de la Hera: “Working in ONEtoONE brings you more professional freedom”
The post Bernar de la Hera: “Working in ONEtoONE brings you more professional freedom” appeared first on ONEtoONE Corporate Finance.
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Jean Luc Bertrand: “ONEtoONE increased the size of the deals I am able to advise”

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Jean Luc Bertrand: “ONEtoONE increased the size of the deals I am able to advise”
The post Jean Luc Bertrand: “ONEtoONE increased the size of the deals I am able to advise” appeared first on ONEtoONE Corporate Finance. [...]
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What’s the Best Airline Credit Card for New York City Travelers?

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What’s the Best Airline Credit Card for New York City Travelers?
You fly out of New York City or the surrounding area. You’re thinking about getting a branded airline credit card. But which one is right for you? If the answer were simple, we’d give it right here and be done with it. But choosing one “best” credit card in NYC is like picking the best... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article What’s the Best Airline Credit Card for New York City Travelers? originally appeared on NerdWallet. [...]
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YETI Rambler 18oz Bottle only $22.49, plus more!

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YETI Rambler 18oz Bottle only $22.49, plus more!
This post may contain affiliate links. Read my disclosure policy here. Love YETI products? Check out these hot deals on Amazon right now! If you love YETI, don’t miss these RARE discounts!! Amazon has this YETI Rambler 18oz Bottle for just $22.49 right now (regularly $29.99)! Choose from Navy, Black or Stainless. You can also get this YETI Rambler Vacuum Insulated Stainless Steel Colster for just $18.74 (regularly $29.99)! Choose from Black, Clay, Navy, Peak Purple, River Green, Seafoam or Silver. Or get this YETI Rambler 36 oz Vacuum Insulated Stainless Steel Bottle for just $37.49 shipped (regularly $49.99)! Choose from Black, Brick Red, Charcoal, Clay, Navy, Peak Purple, River Green, Seafoam, or Stainless Steel. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. [...]
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3 Great Credit Cards for Economy Flyers

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3 Great Credit Cards for Economy Flyers
While traveling in premium class sounds amazing, it might not be the most realistic option for individuals or families. Premium class fares can be quite expensive, and the cost for economy fares is much more affordable — making cash back or flexible currency a great option for booking your travels. If you are an economy... Dustin Waller is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 3 Great Credit Cards for Economy Flyers originally appeared on NerdWallet. [...]
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15 Cars That the Most Owners Drive for 15 Years or More

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15 Cars That the Most Owners Drive for 15 Years or More
If you are looking for a car — and hoping it will last for a decade and a half — we’ve got one bit of advice for you: Buy Japanese. That was the takeaway of iSeeCars’ latest annual ranking of cars that people keep the longest. The car search engine found that all 15 vehicles that original owners were most likely to keep for 15 years or more were from Japanese manufacturers. [...]
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Ulta: Jumbo Size Hair Care Products as low as $12.49 each (Matrix, Paul Mitchell, Redken, and more!)

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Ulta: Jumbo Size Hair Care Products as low as $12.49 each (Matrix, Paul Mitchell, Redken, and more!)
This post may contain affiliate links. Read my disclosure policy here. Wow! This is a great time to stock up on hair care products including brands like Matrix, Paul Mitchell, Redken and more! Right now, Ulta is hosting their Jumbo Shampoo & Conditioner Sale Event both in-store and online including brands like Matrix Biolage, Paul Mitchell, Redken and more! Plus, you can save $3.50 off a $15+ order when you use the promo code 713039 at checkout! And for every jumbo hair care item you purchase, you can grab a liter pump for just $1 (regularly $3) – price will automatically adjust at checkout. Limit 4 per transaction. Check out these deal ideas… Paul Mitchell Tea Tree Special Shampoo or Conditioner 33.8 oz – $19.99 (regularly $34) Use promo code 713039 ($3.50 off $15+ purchase) $16.49 after code Or you can get this for $19.99 on Amazon. Paul Mitchell Lemon Sage Thickening Shampoo or Conditioner – $19.99 (regularly $37) Use promo code 713039 ($3.50 off $15+ purchase) $16.49 after code Or you can get this for $19.99 on Amazon. Redken All Soft Shampoo 33.8oz – $19.99 (regularly $36.50) Use promo code 713039 ($3.50 off $15+ purchase) $16.49 after code Redken All Soft Conditioner 33.8oz – $15.99 (regularly $33.50) Use promo code 713039 ($3.50 off $15+ purchase) $12.49 after code Matrix Biolage Volumebloom Shampoo or Conditioner 33.8 oz – $15.99 (regularly $28) Use promo code 713039 ($3.50 off $15+ purchase) $12.49 after code Or you can get this for $15.99 on Amazon. Matrix Biolage Colorlast Shampoo or Conditioner 33.8 oz – $15.99 (regularly $30) Use promo code 713039 ($3.50 off $15+ purchase) $12.49 after code Or you can get this for $15.99 on Amazon. Bedhead Urban Antidotes Recovery Shampoo 50.7oz or Conditioner – $19.99 (regularly $33.99) Use promo code 713039 ($3.50 off $15+ purchase) $16.49 after code Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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You May Have to Give More Personal Data to Get a Personal Loan

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You May Have to Give More Personal Data to Get a Personal Loan
Would you feel comfortable disclosing your bank account information on a personal loan application? What about your work history? Your college major? That’s what it could take to borrow money from some loan companies that consider alternative data — which can be anything that isn’t in your credit report — when deciding whether to approve... Annie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. The article You May Have to Give More Personal Data to Get a Personal Loan originally appeared on NerdWallet. [...]
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How to Optimize Chase Freedom, Discover it for Q1 2020

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How to Optimize Chase Freedom, Discover it for Q1 2020
It’s a new quarter, a new year and a new decade. That means it’s also time for new 5% bonus categories for the Chase Freedom® and select Discover cards including the Discover it® Cash Back and Discover it® Student Cash Back. From Jan. 1 through March 31, 2020, you’ll earn 5% cash back on up... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article How to Optimize Chase Freedom, Discover it for Q1 2020 originally appeared on NerdWallet. [...]
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6 Things You May Not Know About Red Roof’s Rewards Program

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6 Things You May Not Know About Red Roof’s Rewards Program
Red Roof recently rebranded its RediCard loyalty program. The Red Roof brand includes Red Roof Inn, Red Roof Plus, The Red Collection and HomeTowne Studios by Red Roof. Here are six things you may not know about Red Roof’s new rewards program. 1. It’s called RediRewards RediCard, the previous loyalty program for hotels in the... Amanda Johnson is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 6 Things You May Not Know About Red Roof’s Rewards Program originally appeared on NerdWallet. [...]
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5 Different Types of Airport Lounges You Can Access With an AmEx Platinum Card

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5 Different Types of Airport Lounges You Can Access With an AmEx Platinum Card
One of the benefits of many of the premium American Express credit cards have is lounge access at airports throughout the world. There are actually five different types of airport lounges that you can access with your The Platinum Card® from American Express or The Business Platinum® Card from American Express. In this article, we’ll... Dan Miller is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 5 Different Types of Airport Lounges You Can Access With an AmEx Platinum Card originally appeared on NerdWallet. [...]
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3 Major Medicare Costs Will Jump in January

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3 Major Medicare Costs Will Jump in January
Health care already accounts for more than 10% of spending by senior households, on average. And 2020 brings more bad news for the pocketbooks of seniors on Original Medicare. Several premiums and deductibles for folks on the traditional, government-managed type of Medicare will increase in the new year, the federal government recently announced. What’s more, these increases for 2020 will be... [...]
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*HOT* $10 off any $25 Purchase of Sharpie, Papermate, EXPO and more!

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*HOT* $10 off any $25 Purchase of Sharpie, Papermate, EXPO and more!
This post may contain affiliate links. Read my disclosure policy here. If you need new markers and pencils or pens, this is HOT deal! Right now, Amazon is offering $10 off when you purchase $25 in select Sharpie, Papermate, EXPO and more products! This is HOT deal and a great time to grab some stocking stuffers for cheap or stock up on pens and markers. Here are a couple of great deal ideas… Prismacolor Soft Core Colored Pencils 48-Pack – $25.99 (regularly $28.99) Less $10 instant savings at checkout $15.99 shipped after deal Dymo Label Maker with 3 Bonus Labeling Tapes – $29.58 Less $10 instant savings at checkout $19.58 shipped after deal Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Thanks, Hip2Save! [...]
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Up to 65% off Disney Toys, Apparel, and more!

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Up to 65% off Disney Toys, Apparel, and more!
This post may contain affiliate links. Read my disclosure policy here. Today only, Amazon is offering up to 65% off Disney Toys, Apparel, and more! Here are some deals you can get… Get this 21-Piece Disney Princess Dress Up Trunk for only $22.41! Get this Disney Ideas Hardcover Book: More than 100 Disney Crafts, Activities, and Games for just $12.36! Get this Melissa & Doug Disney Mickey Mouse Wooden Character Magnets for only $4.75! Get this Fisher-Price Disney Mickey & the Roadster Racers for only $16.67! Get this Sofia the First Royal Family for only $5.36! Get this Lionel Disney’s Frozen Battery-powered Model Train Set for only $34.99 shipped! Get this Toy Story Disney/Pixar Pet Patrol Playset for only $10.49! Shop the Disney sale here. Valid today only, December 11, 2019, while supplies last. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. [...]
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Life Update: Pregnancy (week 19), our first foster care placement, plus more!

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Life Update: Pregnancy (week 19), our first foster care placement, plus more!
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. 19 weeks!! It feels like the last two weeks have sort of dragged by slower than usual as I anticipated being at the halfway mark. I have a feeling once I hit 20 weeks, then it will feel like it flies by for a bit until I start anticipating 30 weeks and then 40 weeks. HIGHLIGHTS I definitely started looking more pregnant this week. A lot of people noticed it and it’s fun (and weird!) to look down and see a protruding belly! I also broke out my first pair of maternity jeans (see photo above!) which felt pretty monumental! NOTABLE I started taking only one dose of iron daily + one dose of Blood Builder (instead of a double dose of SlowFe). It seems like this combo is working well for my stomach + I seem to have had more energy this week and I have to wonder if the B12 is helping with that?! I’m still nauseous at least part of most every day and running on about 50% the energy that I usually am, but it’s SO much better than the first trimester and I’m so grateful! CRAVINGS Scrambled eggs, avocados, and sourdough toast with butter continue to be my go to’s. I also had this obsession with making a pie mixing yogurt and whipped topping and freezing it in a graham cracker crust (thanks to a suggestion from a follower for how to use up all this plain yogurt I got marked down at a crazy price!) Weight gain: 10 lbs. We bought and decorated a Christmas tree this week! I felt like we were at least a week behind the rest of the world in getting this up, but I guess there are no rules for Christmas, right? The good news is that because we waited, we were able to get the tree for half price! (Psst! If you’ve been around here for awhile, you’ll remember that we ditched having a big Christmas tree last year. But this year, we decided to bring back the tradition and we don’t regret it! Want to hear about more of our Christmas traditions? We all recorded a podcast as a family on that very topic.) Silas had this big wart on his finger that he got burned off this week at the pediatrician’s office. Growing up, I had to get a lot of warts burned off, so I felt so badly for him when he was in pain for the next day as a result. But he really wanted to get it taken off and it was so big that I didn’t think any of the natural remedies would work (I tried a bunch of them growing up, including ACV, duct tape, wart remover ointment, and more and none of them ever worked at all for me!!) Gratefully, the pain only lasted for a day and he’s really happy that it’s healing! Kathrynne had her first basketball games of the season this week. She’s on Varsity this year and has a new coach, so she’s being stretched in good ways. We love getting to cheer her on and try to go to every single game that we can go to. It becomes a fun family activity — and we also get to see new parts of TN as we drive to little towns in different places for her away games! We also had a big Christmas gathering for all of the youth group members from both campuses of our church + the leaders. I laughed so hard and it was such a gift during a very full week. (By the way, Jesse and I have just loved the opportunity to serve as youth group leaders this year. It has brought us so much joy and life to pour into these kids!) Friday afternoon, we got a call about a 3-sibling group in foster care that didn’t have a home for the weekend. They were 13, 11, and 3 and Jesse and I felt strongly we were supposed to say yes. It turned out to be such a wonderful weekend. Tiring, but such a gift to get to open our home up and love on these kids. They had never decorated Christmas cookies before, so we had a fun time baking and decorating cookies together. The 3-year-old gave Kaitlynn a makeover! 🙂 The stay included one night with very little sleep because the 3-year-old had a bad cough and it kept waking her up and then she’d get scared and cry. I finally figured out that if I laid next to her bed, when she woke up, she’d be a lot less scared if I was right there with her. Her cough got worse on Saturday, so I took her into urgent care just to be safe. Gratefully, no ear infection (she’d be complaining of her ears hurting) and just an upper respiratory infection. They suggested honey and a humidifier. We also found Zarbee’s cough syrup that was approved for kids under 6 (we discovered this weekend that almost no meds are approved for kids under 6! I think maybe things have changed since our kids were little?) and we gave her that on Saturday night and she only woke up twice!) We are so thankful we had the opportunity to open up our home this weekend — if only for a short while — to love on and provide a safe place for these kids to stay. I also have quickly realized how many big feelings are going to be involved in this foster care journey we’re on… as I told someone yesterday, it’s both beautiful and brutal. [...]
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This Week in Fintech

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This Week in Fintech
This weekly summary from our 5 experts, brings you insights based on their experience as investors, entrepreneurs & executives. Ilias Hatzis started his first company, an internet search engine, during the dot-com era & now focusses on crypto. Efi Pylarinou worked for top tier Wall Street firms and is now a top global Fintech influencer. Jessica […] The post This Week in Fintech appeared first on Daily Fintech. [...]
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Is Lack of Trust a First Order Function in Narrowing the Insurance Protection Gap?

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Is Lack of Trust a First Order Function in Narrowing the Insurance Protection Gap?
image The Geneva Association released an ambitious discussion of trust and its effect on insurance transactions, particularly in the perspective of well-known ‘protection gaps’ that are pervasive across many lines of insurance within mature economies.  Is, as Jad Ariss, Association Managing Director notes in the publication’s foreword, a “lack of trust fundamentally impeding insurance demand,” […] The post Is Lack of Trust a First Order Function in Narrowing the Insurance Protection Gap? appeared first on Daily Fintech. [...]
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Should You Trust the Official Medicare Website?

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Should You Trust the Official Medicare Website?
If you haven’t yet chosen a Medicare plan for 2020 — the deadline is this Saturday, Dec. 7 — beware of putting too much faith in the program’s official website. If you have chosen a 2020 plan already, beware of assuming the plan details you received from the official Medicare website are accurate. The information you find at Medicare.gov may be wrong... [...]
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The Ultimate Guide to Working as a Professional Santa Claus

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The Ultimate Guide to Working as a Professional Santa Claus
Editor’s note: This article was originally published in 2014, but we’ve brought it back for any new Santas. Do you love Christmas? Are you full of cheer? Can you grow a belly and — more importantly — a beard? You might have what it takes to work as a professional Santa Claus. If you’ve thought about pursuing this unusual seasonal job but didn’t know where to start, keep reading for advice from professional Santas in three different states. They share the inside scoop on working as Santa this Christmas. What Are the Requirements for Santa Jobs? Yes, there are a few important requirements if you want to work as a professional Santa Claus. First, you need to look the part. It’s best if you’re over age 50, have a belly and can grow an impressive beard. (But it doesn’t have to be white. Some Santas actually bleach their beards!) Jim Beck, who worked as a professional Santa in Denver for eight years, says he got into the business because people kept telling him he looked like Santa — even without the beard. So after he became disabled and could no longer work in construction, he decided to give it a shot. Michigan Santa Claus was also a natural. “Mrs. Claus always says, ‘My Santa has a real beard and natural cookie zone.’ I’ve actually had my beard for nearly 45 years!” More importantly, you have to want to be Santa Claus. You should have a genuine love of Christmas and children. Santa Tim was a professional Santa in Lenexa, Kansas. He started working as a Santa to “enjoy the whole Christmas spirit and give back a little bit — to share hope and joy and love.” (If that’s not a Santa answer, I don’t know what is!) Where Can You Find Santa Jobs? Professional Santa Clauses have lots of work options, including shopping malls, corporate and community events and private home parties. The Santas we interviewed mostly did private home visits, with some corporate events mixed in. None of them worked as mall Santas — though some Santas do prefer these gigs because they’re long-term positions with steady hours. When asked why he didn’t work at the mall, Santa Tim explained, “First of all, I want to be independent; secondly, you can only spend around 30 seconds with a child while at the mall. When I do a home visit or corporate event, I get a lot more time with each child.” Santa Jim Beck has worked at the mall in the past, but now sticks with mostly private parties because he “enjoys the smaller venues.” How to Start Working as a Santa Ready to find work as a professional Santa Claus? Here are the techniques our Santas suggested: 1. Go to Santa School You probably didn’t know it, but Santa schools are a big business. One of the most comprehensive is the Professional Santa Claus School in Denver.. Course options even include technological training to do online visits.  Santa Tim graduated from this school and found it a “very worthwhile investment” because there are “certain amounts of psychology that go into speaking to children.” He learned a lot about that there, including how to react when a child says they want an iPad or tells you about abuse. Mostly, he enjoyed the school because it set “such a high standard; you’re not just Uncle Joe from next door anymore.” 2. Network With Other Santas You don’t have to go to Santa school to find success as a Santa. Santa Jim Beck got started by working for an established Santa who “subbed out other Santas.” Though he had to pay the lead Santa a cut of his earnings, the experience led to gigs of his own. If you’re just starting out, this is a smart move. Find a local Santa who has more work than he can handle, then offer to take on any gigs he can’t or doesn’t want to do. If you offer him a percentage of your earnings, what Santa is going to say no? 3. Buy a Suit… and Start Working That’s how Michigan Santa Claus did it. His first Santa suit was made by a friend who is a professional sewer. He wore it while helping to sell Christmas trees at the Home Depot where his son worked. He wanted to “see what the response would be and if I liked it.” 4. Build a Website For all of the Santas we interviewed, web inquiries are key to the majority of their business. Creating a website is an essential step in starting your business. If you don’t have the money for professional web design, don’t fret: You can ask a friend for help or even use free tools to DIY your site. 5. Create a Profile on Gig Salad When looking to hire a professional Santa, most people’s first stop will be an internet search. And Gig Salad, a site for booking live entertainment, might be one of the first things that pops up. For that reason, Santa Tim says creating a Gig Salad profile was the “most effective” thing he did. Membership ranges from $29.99 to $39.99 per month. 6. Book Return Visits The first year of being a Santa is definitely the hardest. However, once you’ve visited some families, Santa Jim Beck says, “They’re generally going to want you back next year.” People want continuity for their kids, which means guaranteed repeat business each year — in addition to any new clients you drum up. Santa Tim says this works for corporate events, too — as does word of mouth. “One HR lady will ask another one, ‘What Santa did you hire?’ and that will get you some more gigs.” How Much Money Can You Make Working as a Santa? The pay range for professional Santas varies widely, depending on how much you work and how much effort you put into marketing yourself. The majority of Santas only work during November and December, though some keep the holiday spirit going all year long. Santa Tim estimates you can earn “$3,000 to $7,000 in a season” working part-time on some weekday evenings and during both the morning and evening on the weekends. How Much Does It Cost to Start Working as a Santa? In addition to growing out your beard, there are some start-up costs involved in working as a Santa. If you choose to attend Santa school, that will be one of your biggest expenses. Santa Tim says the rest depends on your “level of professionalism,” adding, “If I’m going to represent Santa for children, I want to be as professional and realistic as I can be. Children are looking at everything about you: your eyes, your cuffs, your boots, your belt. I put $200 to $300 into bleaching my hair and beard; I have two suits that each cost over $1,000, a $300 belt and $300 boots.” Michigan Santa agrees, saying it’s “very important” to “not ‘skimp’ on the suit.” His is “lined wool with real sheepskin white fur trim.” In addition to the suit and the website, he also says, “It’s very important to set up as a business account and register the name of the business with the state establishing LLC … [And] we’ve never had an issue, but we do carry Entertainment Liability Insurance.” What Do Aspiring Santas Need to Know? So you still want to work as a Santa? We asked our professionals for the one piece of advice they’d give to aspiring Santas, and here’s what they said: “Grow a beard and learn how to laugh!” — Santa Jim Beck “Before you become a Santa, you really need to understand what it’s going to do to your life… You are going to have to be Santa Claus. I have a different standard every day; it’s a high level of responsibility. It’s everywhere you go: If you’re driving your car, and you have road rage — people are going to say: ‘Oh, Santa’s having road rage.’ You have to really govern yourself … Even in street clothes, some kids will come up and grab your legs and tell you what they want — so you’ve got to spend a few minutes with them.” — Santa Tim “Always stay in character when you have your Santa suit on. Work on that ‘HO HO HO;’ it must come from deep within the belly! When [Mrs. Claus and I] have an event, we take the children into our arms and on our laps and in our hearts, as our own. [...]
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Innovate from the customer backwards- but caveat innovator!

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Innovate from the customer backwards- but caveat innovator!
image The insurance industry is in large part past the hysteria of disruption, innovation and entrants solving the issues of the insurance world, and is moving into the stage of implementation, collaboration and iteration. Startups that have gained traction are now broadening their markets, and in some cases, their offerings. And, the industry is recognizing […] The post Innovate from the customer backwards- but caveat innovator! appeared first on Daily Fintech. [...]
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Transparency, Transparency, Transparency in portfolio performance

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Transparency, Transparency, Transparency in portfolio performance
Four years ago, I started preaching about Transparency in wealth management. In the Global Transparency movement in Portfolio Performance from the Daily Fintech archives in October 2015, I asked for `…  a world in which Barron’s top advisor annual rankings take into account performance. Believe it or not, right now these rankings don’t include performance […] The post Transparency, Transparency, Transparency in portfolio performance appeared first on Daily Fintech. [...]
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The aeronautic industry in 2019

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The aeronautic industry in 2019
The post The aeronautic industry in 2019 appeared first on ONEtoONE Corporate Finance. [...]
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Gamification via a Fintech ecosystem wins a UN Global Climate Action Award

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Gamification via a Fintech ecosystem wins a UN Global Climate Action Award
A 3yr old Corporate Social Responsibility – CSR – initiative that took a life of its own, has resulted in a 2019 UN Global Climate Action Award for Alipay AntForest App. A great example of gamification and network effects on an ecosystem like Alibaba. At launch, it was one of the many charity projects that […] The post Gamification via a Fintech ecosystem wins a UN Global Climate Action Award appeared first on Daily Fintech. [...]
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This Week in Fintech

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This Week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This Week in Fintech appeared first on Daily Fintech. [...]
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This week in Fintech

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This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
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This week in Fintech

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This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech 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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Australia’s Trade Ledger Chalks Up Another European Win

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Australia’s Trade Ledger Chalks Up Another European Win
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. Aussie trade finance startup Trade Ledger is one of a handful of Aussie fintechs chalking up success after success offshore, especially in Europe. Last year the company won Barclay’s […] The post Australia’s Trade Ledger Chalks Up Another European Win appeared first on Daily Fintech. [...]
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7 Debit Cards That’ll Give You Cash Back (and More!) for Swiping

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7 Debit Cards That’ll Give You Cash Back (and More!) for Swiping
Debit cards are popular. Like, really popular. Nearly 43% of adult Americans reported using debit cards as their main form of payment, according to a 2017 LendEDU study. And each year, people make billions (with a big ol’ b) of transactions using one. As a bonus, some debit cards offer rewards, similar to credit cards. So, if you’re one of the many using a debit card — or looking to upgrade yours — keep reading. We’ll explore why you might consider getting one, plus we’ll look at the best cards available today. Why Some Bank Debit Cards Don’t Offer Rewards (Anymore) After the 2008 financial crisis, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law in 2010. The goal was to stabilize and reform the financial industry. Before it passed Congress, lawmakers added the Durbin Amendment — named after Sen. Dick Durbin of Illinois — to the act. This amendment was introduced to curb processing fees for debit card purchases. When you use a debit card to make a purchase, the merchant pays an interchange or swipe fee. This fee goes to the bank that issued the debit card. Banks said these fees covered the costs of providing debit cards and monitoring accounts for fraudulent activity. However, retailers argued they were too high. Before the act’s passage, retailers paid up to 44 cents per debit card transaction, according to Reuters, which made it difficult for some businesses to accept them. After Dodd-Frank passed, the cap fee was reduced to 21 cents. (It’s worth noting credit card interchange fees were not affected.) As a result, the financial incentive for banks to offer debit card rewards just isn’t what it used to be. Why You Should Consider a Debit Card That Offers Rewards Just because debit card rewards aren’t flowing like they used to doesn’t mean you shouldn’t keep your eyes peeled for them. Debit cards that offer rewards are appealing for a few reasons: Your bank may only charge a small — or no — monthly (or annual) fee to use it. They’re good if you want to monitor your spending and find credit cards too tempting. Since it’s money from your account, there’s no monthly balance owed or accumulated interest to worry about. The REWARDS: anything from cash back to points to discounts on qualified purchases. 7 Debit Cards That Offer Rewards (Plus a Bonus!) We picked several options that could work for you. 1. American Express Serve® Cash Back The American Express Serve Cash Back option is a prepaid debit card. (To be clear, it’s not connected to a checking account.) When shopping online or in stores, you can earn unlimited 1% cash back on your purchases. Bonus: The cash back is immediately available to use after you earn it. Other features include free ATM withdrawals at over 30,000 locations, fraud protection and 24/7 customer service. Card price: $0 online or $3.95 in stores Monthly or annual fee: $7.95 a month (no fee in Texas, New York or Vermont) 2. Bank of America BankAmeriDeals® Bank of America has a program called BankAmericaDeals for BoA card holders. Existing customers can log into online banking or use the mobile app to see available deals (for example, 15% cash back at Petco). You’ll earn cash back on these deals when they use an eligible BoA debit or credit card to make a purchase. You can also earn BankAmeriDeals Coins for qualifying purchases to earn more rewards. Other features include 24/7 account monitoring, fee-free BoA ATM usage and the ability to add your debit card to a digital wallet for easier checkout. Card price: $0 Monthly or annual fee: $0 3. Discover® Cashback Debit With Cashback Debit, users can earn 1% cash back on up to $3,000 in purchases per month. So, if you make $500 worth of purchases monthly with your debit card, you’ll earn back $5 a month, or $60 a year. Other features include 24/7 customer service and access to over 60,000 surcharge-free ATMs. Also, if you lose your debit card, Discover will replace it for free. Card price: $0 Monthly or annual fee: $0 4. Axos Bank CashBack Checking Axos offers CashBack Checking for customers who want to earn rewards with a debit card. You can earn up to 1% cash back on signature-based purchases (so, something routine like grocery shopping doesn’t count) and earn up to $2,000 cash back per month. However, you’ll also need to maintain a daily balance of $1,500 to earn the 1% cash back. Other features include reimbursement for over 60,000 ATMs worldwide, and no balance or activity requirements to maintain the account. Card price: $0 Monthly or annual fee: $0 5. PayPal Business Debit Mastercard® Once you activate the cash-back program, PayPal Business Debit Mastercard users can get unlimited 1% cash back on qualifying purchases. The cash back is added to your PayPal account each month. Note that business owners face a $1.50 domestic ATM usage fee, and have a daily limit of $3,000 in purchases and $400 in cash withdrawals. Other features include a free additional card for the account and no liability for unauthorized charges. Card price: $0 Monthly or annual fee: $0 6. Consumers Credit Union Rewards Checking CCU offers rewards in the form of annual percentage yield (APY). There are three rewards tiers with varying requirements to earn 3.09% APY, 4.09% APY or even 5.09% APY on account balances up to $10,000. For the first tier, you must make at least 12 debit card purchases that equal $100 or more a month as one of the qualifications, so you’ll need to be organized to reap these rewards. Other features include over 30,000 surcharge-free ATMs and no minimum balance requirement. Card price: $0 Monthly or annual fee: $0 7. Empower Empower is an app and bank account. You can get 1% cash back on the first $1,000 you spend per month with your debit card, earn 1.65% APY on your money and even snag cash back when you refer your friends. You’ll have access to over 25,000 fee-free ATMs and even get reimbursed for one out-of-network ATM use per month. You can fund your account in a number of ways, though it does not support cash or check deposits. Other features include no account fees or required minimum balances. Accounts are also FDIC-insured up to $250,000. Card price: $0 Monthly or annual fee: $0 Bonus: Your Local Credit Union Check out your neighborhood credit union for other reward-card options. Many institutions offer debit card rewards in the form of redeemable points or cash back. Some even allow you to support a local charity or cause if you choose to make a donation when you open an account. Contact your local credit union online or in person to see what costs and conditions may apply. Card price: Varies Monthly or annual fee: Varies FROM THE BANKING FORUM Social security Representative Payee bank account 9/26/19 @ 5:16 PM L How to find a checking account that displays scheduled transaction on account activinty view? 9/4/19 @ 2:05 PM ONLINE BANKS 8/26/19 @ 6:54 PM Best bank to use? 7/12/19 @ 2:52 PM See more in Banking or ask a money question What About Credit Card Rewards? When it comes to serious rewards, credit cards typically offer better ones — think, a higher percentage of cash back on purchases or larger sign-up cash bonus — and may provide perks such as price-matching and [...]
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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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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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This Week in Fintech

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This Week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor […] The post This Week in Fintech appeared first on Daily Fintech. [...]
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Capital One Hikes Potential Bonus on Spark Business Cards (Limited Time)

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Capital One Hikes Potential Bonus on Spark Business Cards (Limited Time)
For a limited time, Capital One is offering big spenders extra-large sign-up bonuses worth a grand total of $2,000 each on two of its most rewarding small-business credit cards. The new bonuses are: Capital One® Spark® Cash for Business: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn... Gregory Karp is a writer at NerdWallet. Email: gkarp@nerdwallet.com. Twitter: @spendingsmart. The article Capital One Hikes Potential Bonus on Spark Business Cards (Limited Time) originally appeared on NerdWallet. [...]
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This week in Fintech

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This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
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This week in Fintech

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This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
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Venture Capital in Europe peaks, China falls as investors shun IPOs

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Venture Capital in Europe peaks, China falls as investors shun IPOs
KPMG released their pulse report on global venture capital trends for Q3 2019 yesterday. There were some key highlights from the report worth discussing about. The most pleasantly surprising trend is the increase in VC investments in Europe. Despite Brexit and Germany moving towards a recession, venture and scale up investments in Europe hit a […] The post Venture Capital in Europe peaks, China falls as investors shun IPOs appeared first on Daily Fintech. [...]
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The new wisdom in credit ratings for SMEs

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The new wisdom in credit ratings for SMEs
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. Back in 1968, Dr Edward Altman was responsible for a major innovation in the field of credit risk analysis for corporate businesses – the Altman Z-score. While it transformed […] The post The new wisdom in credit ratings for SMEs appeared first on Daily Fintech. [...]
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The Complex Post-Trade world of Securities and its API transformation

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The Complex Post-Trade world of Securities and its API transformation
Internal communication and client communication in Securities Services remains a nightmare. This sector is actually a great example of batch processing, lack of cross border interoperability and standardization. In July, BCG consulting and SWIFT published a white paper, looking at APIs in the Security Services industry. Adoption is low but awareness amongst asset managers grew […] The post The Complex Post-Trade world of Securities and its API transformation appeared first on Daily Fintech. [...]
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This week in Fintech

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This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week, Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
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7 More Resources I Loved in the Genius Blogger’s Toolkit

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7 More Resources I Loved in the Genius Blogger’s Toolkit
Did you see my post yesterday on 16 resources I loved in the Genius Blogger’s Toolkit? Well, I finished going through the rest of the Toolkit today and I picked out even more that I love! What is the Genius Blogger’s Toolkit? The Genius Blogger’s Toolkit is only offered for 6 days once a year (though they usually have a 2-day flash sale, too!). It is an opportunity to get a huge bundle of some of the BEST blogging resources around at a CRAZY discount. It’s all-new this year with a completely different line-up of resources on every topic you can think of related to blogging. And it’s once again packed with some of the most top-notch blogging courses, ebooks, and programs. What’s the Catch? Yes, you can get thousands of dollars worth of resources for one tiny but terrific price. But, the catch is that it’s only available through Monday, October 7, 2019. After that, it goes away and if you want to buy the resources, you’ll have to buy them individually — and likely at full price! But I Don’t Think I’ll Use All of the Resources Trust me, NO ONE should be trying to go through and use all of the resources in this Toolkit. That would be pretty near impossible to do — if you actually wanted to have time to run your business, too! 🙂 Instead, I encourage you to look at the list of resources that are in this Toolkit and see if there are some that look like they would be really valuable to you. If so, is the price of them worth more than the price of the bundle? Also, do you have the time to go through them? If the answer is yes to both of these two questions, I definitely recommend investing in the Toolkit. I’m Going Through All the Resources for You! Okay, so I know I said that no one should go through all of the resources and try to use them. BUT, I did personally go through all of them for you. No, I didn’t read every word or watch every video, but I spent hours yesterday and today skimming through all 94 different resources in order to tell you about which ones are my favorites and those I think are most worth going through. If you missed yesterday’s post, here are 16 of my favorite resources in the Genius Blogger’s Toolkit. 7 More Resources I Loved in the Genius Blogger’s Toolkit I finished going through the rest of the ebooks and courses and programs today that I didn’t get to yesterday and I picked 7 more that I really highly recommend: The Blogger’s Simple Guide to Taxes — I highly recommend this ebook for everyone if you are starting a blog and planning to earn any money at all from it (or even if you’re not planning to earn money from it!) It gives you can overview of all of the basics you need to know when it comes to deductions, filing your taxes, and what you need to report. The Authentic Blog Project — “Don’t show up for your audience in hopes of being accepted by them. Instead, show up because you are happy with yourself and you are perfectly happy to be seen as you are.” I loved this quote in this ebook! While very different from many of the resources in the bundle, I thought it was so invaluable and well worth reading. Smart Email List Building — If you’ve been wanting to start an email list, this course will walk you through all of the basics you need to know. I thought the videos were a little bland, but the content was solid and worthwhile. ROI Action Plan: Where to Focus Your Time to Make the Most Money When You Have Limited Time — I loved Caroline’s honesty and enthusiasm in this course + her very practical advice on what you should be focusing on as a blogger. Sales Page Starter Kit — If you are planning to launch any type of product in the near future, this is a helpful and short course on how to put together a winning sales page. It gives you lots of practical suggestions for how to write copy and headlines for your sales page that will convert to buyers. WordPress 5.0 Masterclass — This is a very comprehensive overview of WordPress 5.0 and Gutenberg. If you’ve been scared of switching over to Gutenberg, this thorough course will help you feel much more comfortable with using it. Plus, you’ll learn lots of tricks and tips for making the most of WordPress. YouTube Takeoff — Thinking of starting a YouTube channel? This well done course walks you through everything you need to know to set up and launch your YouTube channel successfully. Remember, the Genius Blogger’s Toolkit is only available until Monday. After that, it goes away and you’ll have to pay full price for each of the courses individually. Don’t miss out! Click here to purchase it while you can! [...]
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Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.

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Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.
The post Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry. appeared first on ONEtoONE Corporate Finance. [...]
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This week in Fintech

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This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of experts who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
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Kohl’s: Men’s Boat Shoes only $16.79, plus more!

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Kohl’s: Men’s Boat Shoes only $16.79, plus more!
This post may contain affiliate links. Read my disclosure policy here. There are some great deals on men’s shoes at Kohl’s right now! Right now, Kohl’s is offering some great clearance deals on men’s shoes! Plus, today only, you can get an extra 20% off your purchase when you use the promo code FLASH20 at checkout! Here are some deal ideas… SONOMA Goods for Life Kutcher Men’s Boat Shoes – $20.99 (regularly $69.99) Use promo code FLASH20 (20% off) $16.79 after code SONOMA Goods for Life Warren Men’s Oxford Shoes – $29.97 (regularly $59.99) Use promo code FLASH20 (20% off) $23.98 after code SONOMA Goods for Life Norrin Oxford Shoes – $17.99 (regularly $59.99) Use promo code FLASH20 (20% off) $14.39 after code madden NYC Men’s Baxter Casual Derby Shoes – $27.99 (regularly $69.99) Use promo code FLASH20 (20% off) $22.39 after code madden NYC Men’s Neeron Casual Derby Shoes – $27.99 (regularly $69.99) Use promo code FLASH20 (20% off) $22.39 after code Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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This week in Fintech

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This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
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Payments giants battle it out for the new breed of retail customer

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Payments giants battle it out for the new breed of retail customer
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. Payments processor Adyen has prized eBay away from PayPal and a high profile customer from Square.  Is there a changing of the guard afoot in the global fintech […] The post Payments giants battle it out for the new breed of retail customer appeared first on Daily Fintech. [...]
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This week in fintech

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This week in fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor […] The post This week in fintech appeared first on Daily Fintech. [...]
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Telemarketers on the Hook for Spam Texts — Plus More Class-Action Settlements

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Telemarketers on the Hook for Spam Texts — Plus More Class-Action Settlements
Several new class-action settlements involve violations of the Telephone Consumer Protection Act, a federal law that bans spam texts, unsolicited sales calls that use auto dialers, and spam faxes. See if you qualify for any of the latest settlements, which also involve fake price schemes, a data breach and broken treadmill accessories. YouFit Text Ads YouFit Health Clubs LLC has agreed to a $1.4 million settlement regarding allegations that the company violated the Telephone Consumer Protection Act. The class action lawsuit, filed in July 2018, alleged the company sent unsolicited texts to cell phones between July 25, 2014 and May 15, 2018. The text messages advertised YouFit’s $0 down promotion. Consumers who received the unwanted texts and who were not already YouFit members could be eligible for a $7.50 settlement. The deadline to file a claim is Nov. 15, 2019. For full details, click here. FROM THE MAKE MONEY FORUM Laptops 9/5/19 @ 5:32 PM WORK AT HOME 8/30/19 @ 6:14 PM T Work from home Southern_MiMi 9/3/19 @ 1:44 PM HOW TO START YOUR OWN ONLINE TUTORING BUSINESS? 9/4/19 @ 2:05 PM See more in Make Money or ask a money question Gap and Banana Republic Outlet Pricing Customers who shopped at Gap or Banana Republic outlet stores may be eligible for part of a $3.75 million class-action settlement. If you bought merchandise in person or online from a Gap Outlet, Gap Factory Store or Banana Republic Factory Store between May 24, 2010 and May 10, 2019, you could have been duped by an alleged falsely referenced pricing scheme. California, New Jersey and Florida customers alleged the Gap and Banana Republic factory stores used fake reference prices to make the merchandise appear it was offered at a great savings at the outlet stores. The suit claims the items at the outlet stores were never offered for sale at any regular retail outlets. The settlement allows customers who bought items during the specified timeline to receive $6 to $12 in store credit. For the full scoop, click here and submit your valid claim by the Jan. 6, 2020 deadline. Equifax Data Breach The credit bureau Equifax has agreed to settle claims from its 2017 data breach for at least $380.5 million. Almost 147 million people were affected by the leak of personal and financial data, amounting to one of the largest breaches in history. Plaintiffs claimed Equifax took inadequate cybersecurity measures that made their personal information vulnerable to hackers. Affected consumers are eligible for either free credit monitoring services or a $125 cash payment. The settlement also provides a maximum of $20,000 expense reimbursement if the data breach resulted in out-of-pocket costs to the consumer, and a minimum of seven years of free identity restoration services. The due date to file claims for credit monitoring services, alternative reimbursement compensation and Equifax subscription product reimbursement is Jan. 22, 2020. If you plan to file a claim, experts say to consider the risk of future identity theft. Choosing the credit monitoring and identity theft services could be a better option than taking the money. For complete details on this settlement that affects nearly half of the U.S. population, click here. Precor Treadmill Heart Rate Monitor Precor has agreed to settle a class-action lawsuit over allegations its treadmill heart rate chest straps were defective. You could benefit from the settlement if you purchased Precor treadmills (models 9.23, 9.33, 9.27, 9.35, TRM 211, TRM 243, TRM 223, TRM 425, or TRM 445) between May 16, 2010 and Dec. 26, 2018 (for residents of California, Illinois, Missouri, New Jersey or New York) or between Dec. 26, 2014 and Dec. 26, 2018 (for residents of all other states). Potential awards are as follows for anyone who submits a claim that includes the covered treadmill’s serial number: Models TRM 223 or TRM 243: a free Precor treadmill-compatible heart rate chest strap. Models 9.23 or TRM 211: a free Bluetooth-compatible heart rate chest strap. Models 9.27, 9.33, 9.35, TRM 425, or TRM 445: one year extended warranty coverage on treadmill heart rate chest strap. Click here for more information. You’ll need to file a claim quickly. The deadline is Sept. 11, 2019. Massage Envy Membership Rates Members of Massage Envy between Nov. 4, 2006 and June 7, 2019 could be eligible for part of a $10 million settlement regarding claims the company unfairly increased monthly membership rates. Plaintiffs alleged the spa increased membership fees on a continual basis without alerting customers in advance. Members also may qualify for a voucher worth $10 to $50 if they submit a request by Sept. 20, 2019. The voucher depends on the amount paid in fee increases: $10 voucher: paid $75 or less in fee increases $20 voucher: paid $75.01 to $125 in fee increases  $30 voucher: paid $125.01 to $175 in fee increases  $40 voucher: paid $175.01 to $225 in fee increases $50 voucher: paid $225.01 or more in fee increases For complete details, click here. Experian Public Records If you requested and received a copy of your credit report from Experian between Jan. 15, 2011 and Sept. 21, 2018 that included a public record (bankruptcy, judgement or tax lien), you could be eligible for free credit monitoring. Also included in this settlement are individuals who had a credit report provided to a third party (such as a lender) between Jan. 15, 2014 and Sept. 21, 2018 that included an inaccurately reported tax lien or civil judgement. Without admitting any wrongdoing, Experian has settled claims that it failed to sufficiently report civil judgement and tax lien public records due to its own inadequate procedures for obtaining the information. Consumers may receive two years of Experian IdentityWorks Plus credit monitoring service at no charge, and also may participate in a mediation program to request financial compensation. The deadline to file your valid claim is Aug. 22, 2020. Click here for more details. Seagram’s Ginger Ale  If you bought Seagram’s Ginger Ale between April 1, 2013 and June 13, 2019, you could be eligible for a portion of a $2.45 million class-action settlement resolving claims Coca-Cola falsely labeled the products as containing “real ginger. The lawsuit was filed in December 2016 alleging Seagram’s Ginger Ale products were deceptively marketed as containing real ginger, which would intentionally lead shoppers to believe the soft drinks consisted of real ginger root. The products allegedly have a chemical flavoring designed to imitate the taste of ginger and no real ginger root at all. The purchase of 2-liter bottle, a 20-ounce bottle, a 12-pack of 12-ounce cans, or a 10-pack of 7.5-ounce cans are each considered a single product.  Claims for 1-5 units will be compensated with $4. If you don’t have proof of purchase, you can claim up to 13 units per household and receive a payment of $10.40. With proof of purchase, consumers can collect up to $80 for 100 units. Click here for details and to file a claim by the Sept. 5, 2019 deadline. Enagic Unwanted Phone Calls Water filter company Enagic has agreed to a $27.6 million lawsuit settlement regarding claims the company violated the Telephone Consumer Protection Act. Eligible cla [...]
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When Can I Retire If I Was Born in 1960?

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When Can I Retire If I Was Born in 1960?
If you were born in 1960 or later, your full retirement age is 67 for Social Security. For most people born in 1960, the retirement window starts in 2022, when they can begin taking Social Security benefits early, or as late as 2030, when benefits hit their peak. Of course, if your finances permit, you... Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. The article When Can I Retire If I Was Born in 1960? originally appeared on NerdWallet. [...]
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Play-Doh Cranky the Octopus

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Play-Doh Cranky the Octopus
Order this super deal on the Play-Doh Cranky the Octopus while it is available. You can purchase this now and use it as a gift idea later in the year. You can order the Play-Doh Cranky the Octopus for only $8.39. You will be saving 51% because it is usually $16.99. Be sure that you ... Read More about Play-Doh Cranky the Octopus The post Play-Doh Cranky the Octopus appeared first on Penny Pinchin' Mom. [...]
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Chase Adds Emirates Skywards as Airline Transfer Partner

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Chase Adds Emirates Skywards as Airline Transfer Partner
Chase has landed another airline as a travel transfer partner. As of Aug. 25, 2019, cardholders with eligible Chase credit cards have the option of transferring their Chase Ultimate Rewards® points into Emirates Skywards miles at a 1:1 ratio. Emirates Skywards is the loyalty program for Emirates and flydubai, two airlines based in Dubai. The addition gives... Claire Tsosie is a writer at NerdWallet. Email: claire@nerdwallet.com. Twitter: @ideclaire7. The article Chase Adds Emirates Skywards as Airline Transfer Partner originally appeared on NerdWallet. [...]
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Old Navy: Kids Uniform Polos only $3.40, plus more!

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Old Navy: Kids Uniform Polos only $3.40, plus more!
This post may contain affiliate links. Read my disclosure policy here. Still needing some school clothes? Old Navy has kids uniform polos for only $3.40! Right now, Old Navy is offering up to 60% off kids back to school clothes! Plus, today only, you can get an extra 15% off your order when you use the promo code EXTRA at checkout! Here are some deals you can score… Get Boys or Girls Uniform Polos for just $3.40 after the promo code! Get Boys Jeans for just $6.80 after the promo code! Get Girls Jeans for just $6.80 after the promo code! Choose free in-store pickup to avoid shipping costs. Valid today only, August 21, 2019. Thanks, The Krazy Coupon Lady! [...]
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Trying to be more productive? Grab this $1500 bundle of eResources for just $37!

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

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Marriott Plans to Add More All-Inclusive Resorts
Currently, Marriott Bonvoy members have pretty limited options if they’re looking for a Sandals-type vacation where the price of food and accommodations are rolled into one. Type in “all-Inclusive” to the search bar on the Marriott Bonvoy website and you get only two resorts to choose from: a Westin in Costa Rica and a Sheraton... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Marriott Plans to Add More All-Inclusive Resorts originally appeared on NerdWallet. [...]
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Up to 90% off Tarte Cosmetics (Collector’s Sets, Palettes, Lip Paints, and more!)

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Up to 90% off Tarte Cosmetics (Collector’s Sets, Palettes, Lip Paints, and more!)
This post may contain affiliate links. Read my disclosure policy here. Love Tarte Cosmetics? You can get up to 90% off collector’s sets, palettes, lip paints and more right now! Right now, Tarte Cosmetics is offering up to 70% off select items! Plus, you can get an extra 20% off sale prices when you use the promo code CYBER at checkout! Even better, each purchase includes two free samples at checkout. Here are some deals you can score… Get this Tarte Limited-Edition Magic Star Collector’s Set for just $28 after the promo code ($290 value)! Get this Tarte Party Pouts Lip Set (includes 5 full size lip paints) for just $20 after the promo code ($100 value)! Get this Tarte Limited-Edition Make Believe in Yourself Eye & Cheek Palette for just $13.60 after the promo code (regularly $40)! Get this Tarte Passport to Paradise Collector’s Set for just $32 after the promo code ($291 value)! Get this Tarte Pineapple of My Eye Collector’s Set for just $33.60 after the promo code ($354 value)! Get this Tarte Sweet Escape Collector’s Set for just $32 after the promo code ($364 value)! Valid through July 29, 2019. Shipping is free on orders of $40 or more. Thanks, Hip2Save! [...]
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Pottery Barn Backpacks as low as $14.99 shipped, plus more!

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Pottery Barn Backpacks as low as $14.99 shipped, plus more!
This post may contain affiliate links. Read my disclosure policy here. Need to buy a new backpack? You can score some great deals on Pottery Barn Backpacks and Lunch Boxes right now! Right now, Pottery Barn has some great deals on backpacks and lunch boxes! Plus, you can get an extra 25% off select bags plus free shipping when you use the promo code BIGDEAL at checkout! Please note that this code only works on select backpacks and lunch boxes. Look for the discount listed below the name of the bag to find the qualifying bags. Backpacks – as low as $19.99 (regularly $69.50) Use promo code BIGDEAL (25% off + free shipping) $14.99 shipped after promo code Lunch Bags – as low as $7 (regularly $24.50) Use promo code BIGDEAL (25% off + free shipping) $5.25 shipped after promo code Valid for a limited time only. Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. Thanks, Hip2Save! [...]
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Inbox Dollars: Get paid to read emails, take surveys, search the web, and more!

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Inbox Dollars: Get paid to read emails, take surveys, search the web, and more!
This post may contain affiliate links. Read my disclosure policy here. Looking for ways to make some extra money from home? Try Inbox Dollars! Sign up for Inbox Dollars and you’ll get paid to read emails, search the web, take surveys, and more. I loved earning free gift cards from this company when Jesse was in law school and I had a lot more time than money. You won’t get rich using Inbox Dollars, but it’s a really great way to make a few extra bucks each month to stretch your budget a little further! Sign up here to get started. Looking for more opportunities to make money from home? See my list of recommended survey companies here. [...]
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*HOT* Adidas Men’s Running Shoes only $24.50 shipped (Reg. $70), plus more!

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

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

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Alaska Airlines Credit Card Adds Discounts for Lounge Access, In-Flight Purchases
Bank of America® and Alaska Airlines recently rolled out new perks for cardholders of the Alaska Airlines Visa Signature® credit card. New and existing cardholders get 20% back on Alaska Airlines in-flight purchases and a 50% discount on lounge day passes when they pay with their Alaska Airlines Visa Signature® credit card. Here’s what you... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Alaska Airlines Credit Card Adds Discounts for Lounge Access, In-Flight Purchases originally appeared on NerdWallet. [...]
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8 Things Private Equity Firms Look for in Companies

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8 Things Private Equity Firms Look for in Companies
The post 8 Things Private Equity Firms Look for in Companies appeared first on ONEtoONE Corporate Finance. [...]
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Kroger 2-Day Sale: FREE Dannon Danimals, $0.99 Yoplait Go-Gurt, plus more!

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Kroger 2-Day Sale: FREE Dannon Danimals, $0.99 Yoplait Go-Gurt, plus more!
Head to Kroger this weekend to score some great deals with these e-coupons! This weekend, Kroger is offering some great deals when you download the digital coupons! Limit 5 per deal. I’m especially excited about the deals on Danimals and Go-Gurt! Buy (up to 5) Dannon Danimals (6 ct) – 2.50 (thru 6/11) Use $0.99 Dannon Danimals (6 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) Pay $0.99, Submit for $1.00/1 Dannon Danimals; Includes 6 ct Ibotta Rebate – Limit 5 Free after coupon and cash back Buy (up to 5) Yoplait Go-Gurt (8 ct) – 2.50 (thru 6/11) Use $0.99 Yoplait Go-Gurt (8 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $0.99 after coupon Buy (up to 5) Frito Lay or Frito Lay Simply Multipack (16-18 ct) – 6.99 (Reg Price) Use $4.49 Frito Lay or Frito Lay Simply Multipack (16-18 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $4.49 after coupon Buy (up to 5) Coleman Propane (16 oz) – 4.99 (Reg Price) Use $3.49 Coleman Propane (16 oz) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $3.49 after coupon Buy (up to 5) Gillette or Venus Disposable Razors (3-5 ct) – 6.99 (Reg Price) Use $3.99 Gillette or Venus Disposable Razors (3-5 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $3.99 after coupon Buy (up to 5) Olay Daily Facials (33 ct) – 6.99 (thru 6/11) Use $3.99 Olay Daily Facials (33 ct) Kroger Digital Coupon – Limit 5 (Use ONLY 6/7-6/8) $3.99 after coupon Valid June 7-8, 2019 only. Thanks, Kroger Krazy! [...]
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An Insider Explanation of Programming vs Coding: Jobs, Salaries and More

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An Insider Explanation of Programming vs Coding: Jobs, Salaries and More
Coding and programming are often touted by career advisers as ways to future-proof your job. In movies, these tech pros are portrayed by keyboarding-clanking, socially reclusive geniuses who have the divine gift of speaking the language of computers and work in tech hubs like San Francisco. The message being: You either get it, or you don’t. The reality is much more nuanced. It doesn’t help that the terms “coding” and “programming” are often used interchangeably. There are a few key differences, and knowing them is crucial in understanding the career prospects in the field — and how coding will inevitably affect most of our professional lives in the future. Coding vs Programming: What Are the Differences? In the simplest terms, coding is the act of writing computer languages. The most popular ones include: Java, HTML, Python, C++ and Ruby on Rails. Like spoken language, the basics of code are fairly easy to pick up — just as a beginning French student can repeat basic words and sentences. But, like French students, coders aren’t fluent yet. Programming, on the other hand, is the bigger picture. Programmers certainly know how to code, but they also understand the context and environment the code is in. Think French novelist versus French student. The novelist is creating the setting, the plot and the characters, while the student is applying the basic rules of grammar to form sentences. “Every square is a rectangle, but not every rectangle is a square,” says Arshad Wala, a distinguished faculty member at General Assembly, a school that trains working professionals in data, design, programming and digital marketing. How to Become a Programmer or Coder There are several ways to break into computer programming: self-directed study, coding bootcamps and formal college education. Each method comes with its own perks. Coursera and other online education platforms offer free coding courses that cover the basics and can be completed on any schedule at any time, and there are several free coding apps to keep your skills fresh. The “hacker mentality” is still accepted in the industry, Wala says, meaning companies don’t really care how the coder was educated — all that matters is that they can write code. Every square is a rectangle, but not every rectangle is not a square. But it’s hard to learn a language alone. That’s where boot camps like General Assembly come in. Boot camps offer hands-on training in a classroom environment and are usually taught by working professionals in the field. There are campuses across the country with programs designed to equip students with the basic skills to get a new job ASAP. Some programs last as little as 10 days and are fast-tracks to landing coding gigs. To become a programmer, however, it usually takes seniority as a coder or a college degree in computer programming or computer sciences. “You either got to prove yourself,” Wala says, “or come in with some formal education.” That’s because the responsibilities for a programmer are higher-stakes. In addition to writing some code, programmers take a more managerial approach in planning an application, program, website or feature as a whole. They may also determine which programming language a project requires, which would affect what kind of coders are needed. Career Prospects for Coders and Programmers For the time being, both programming and coding jobs are hot and the salaries are high. According to the Bureau of Labor Statistics latest data, computer programmers are making much more than the average American: $45,640 more. Computer programmers make a median salary of $84,280. Coders aren’t in that league, but they can earn a good living with little formal education. Even the lowest paid coders earn more than $48,000 — well above the national median income of $38,640. On the job front, programming opportunities are expanding outside Silicon Valley. While California still has the highest employment levels, Texas was a close second, beating out New York. Illinois and Florida also made the top five. “You go back 15 years, it was San Francisco,” Wala says. “But it’s truly everywhere… and that’s the exciting part.” Job prospects will be best for programmers who have a bachelor’s degree or higher and knowledge of a variety of programming languages. – Bureau of Labor Statistics If you’re considering a career as a coder, there are some coming trends to consider before applying to the nearest coding bootcamp. Namely: automation and saturation. By 2026, programming industry employment is slated to decrease by 7%. And the hammer is going to fall harder on coders than programmers. Wala foresees code becoming a part of our everyday lives, sort of like typing and other basic computer skills. In the not-too-distant past, typists were well-paying jobs. People used to list their words per minute on resumes. But as almost every school in the nation incorporated typing classes into the curriculum, the job became unnecessary. The same goes for coding. Add in the coming wave of computer-automated coding, and the 7-point drop in employment becomes the tip of the iceberg. “You should all learn coding, but this as a career is going to be dead,” he says. “The focus on coding [as a job] should be secondary.” 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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8 Things Private Equity Firms Look for in Companies

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8 Things Private Equity Firms Look for in Companies
The post 8 Things Private Equity Firms Look for in Companies appeared first on ONEtoONE Corporate Finance. [...]
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7 Pharmacist Loan Forgiveness Programs

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7 Pharmacist Loan Forgiveness Programs
Several programs forgive or repay a portion of your pharmacy school loans if you meet the requirements, such as working in the public sector or in an underserved area for a certain amount of time. A pharmacist loan forgiveness program may be the right option if your career plans align with one of these program’s... Teddy Nykiel is a writer at NerdWallet. Email: teddy@nerdwallet.com. Twitter: @teddynykiel. The article 7 Pharmacist Loan Forgiveness Programs originally appeared on NerdWallet. [...]
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21 Things You Should Always Buy at a Dollar Store

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21 Things You Should Always Buy at a Dollar Store
Diego Cervo / Shutterstock.com Dollar stores lure us in with rock-bottom prices. Sometimes you get what you pay for, but often the things they sell are good products at a tremendous discount — a real bargain. Here’s what bargain-shopping experts say are among the best buys at dollar stores. [...]
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Mickey Mouse Clubhouse Projectables LED Plug-In Night Light

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Mickey Mouse Clubhouse Projectables LED Plug-In Night Light
Night lights are so much fun for kids, and this one looks really awesome! You can get the Mickey Mouse Clubhouse Projectables LED Plug-In Night Light for only $8.47. You will be saving 47% on this purchase because it is normally 14.99. This night light provides a soft red glow while projecting a Mickey Mouse ... Read More about Mickey Mouse Clubhouse Projectables LED Plug-In Night Light The post Mickey Mouse Clubhouse Projectables LED Plug-In Night Light appeared first on Penny Pinchin' Mom. [...]
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Free Toy Story 4 Movie Ticket when you buy 3 Almond Breeze Products!

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Free Toy Story 4 Movie Ticket when you buy 3 Almond Breeze Products!
Love Blue Diamond Almond Breeze products? Buy three and get a free Toy Story 4 Movie Ticket! Through August 2nd, score a free Toy Story 4 Movie Ticket when you buy 3 Blue Diamond Almond Breeze products! Simply purchase the products in one transaction by August 2nd and then upload your receipt by September 2nd. Thanks, Freebie Shark! [...]
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70% of Older Adults Don’t Know This Key Social Security Fact

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70% of Older Adults Don’t Know This Key Social Security Fact
Millions of Americans depend on Social Security as the financial foundation of their retirement. Yet, nearly 70% percent of older people cannot correctly identify the age at which they are eligible for full retirement benefits. That finding — courtesy of a recent survey by the Nationwide Retirement Institute — has profound implications for how well people will live in retirement. [...]
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5 Steps to Reaching Financial Freedom

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5 Steps to Reaching Financial Freedom
In a perfect world, nobody would have to worry about whether they have enough money to live the life they want. In reality, many of us do have that concern. When you reach the position of being financially free, you can live “without worrying about having enough income coming in or being able to pay for... Lauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. The article 5 Steps to Reaching Financial Freedom originally appeared on NerdWallet. [...]
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Verizon Announces Another Dividend Hike

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Verizon Announces Another Dividend Hike
It marks the 12 consecutive year in which the large wireless operator has hiked its dividend. [...]
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