Is My Credit Frozen? What to Do If You’re Not Sure

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Getting a Roommate? Here Are 4 Ways to Protect Your Finances
We all have a roommate horror story, right? That roommate who ate all your cereal, the one who borrowed your favorite shirt — without asking — and the one who Never. Washed. One. Plate. That’s the tradeoff though, right? You’ll put up with a few annoyances because having a roommate can substantially cut your living expenses. But what if your roommate stops paying the water bill or moves out halfway through your lease and you’re stuck paying all the bills? Deadbeat roommates can leave you owing hundreds — or thousands — in unpaid bills. And if you’re unaware they’re skipping out on payments and your name is on the lease or utility bill, it could potentially wreck your credit score. While we can’t really help with the irritating roommates (maybe a lock on the cereal box?), we do have ways to split your costs upfront and avoid getting stuck paying more than your fair share. Ways to Ensure Your Roommate Pays Their Share In theory, if you have one roommate, you split everything 50/50. But what if you have the master bedroom — do you pay per square foot? What if your roommate has a dog — does that affect the cut for the security deposit? Putting as much as you can in writing before you move in together will help you both understand the expectations and help preserve the relationship, according to Mark Bauer, a professor at Stetson University College of Law in St. Petersburg, Florida.  Pro Tip If you’re moving in with someone you didn’t know before, ask for references from former roommates and previous landlords. Be prepared to provide the same. “A lot of people think that having a formal agreement, particularly if the person is a friend, is off-putting,” he said. “But a friendly agreement spelling out responsibilities in advance is something that people who trust each other do.” Protecting your finances becomes even more important when you move out because you are no longer there to monitor what’s happening — and whether bills are being paid. We’ve come up with four ways to help protect your finances from the moment you find a roommate right through the day you move out.  1. Ask for Separate Leases If you haven’t signed a lease yet, this could be an opportunity to protect yourself from getting stuck with the entire rent — typically, the biggest shared expense — if your roommate decides to move out early.   That’s important since if you and your roommate sign a lease, you’re each responsible for 50% of the rent. But it also means either one of you is responsible for 100% of the rent — legally known as joint and several liability, Bauer explained. So if your roommate decides to stop paying their share — whether it’s because they moved out or simply stopped sending in their half of the rent — the landlord can come after you for the entire rent. Pro Tip If it’s your first time living with someone, consider signing a month-to-month lease. That way, if you find out you got a bad roommate after a couple months, you’re not stuck there for a whole year. “It doesn’t matter that you’ve been faithfully putting in your 50% every month including when the other person didn’t,” Bauer said. “As far as the landlord is concerned, you were jointly liable.” Instead, request two lease agreements stating that you’re separately liable — it might result in the landlord having some say over your next roommate (since the landlord can choose another tenant to sign a lease with), but at least you won’t be responsible for covering your roommate’s half of the rent.  2. Create a Roommate Agreement Regardless of the lease, creating a roommate agreement can help everyone get on the same page, so to speak, about responsibilities. Considering you’ll probably be dealing with smaller amounts of money, it’s unlikely you’ll recoup your losses if your roommate really didn’t pay the final month’s electric bill, for instance. It doesn’t matter that you’ve been faithfully putting in your 50% every month, including when the other person didn’t. As far as the landlord is concerned, you were jointly liable. “What are you going to do — pay for an attorney to sue?” Bauer said. “It’s just not worth it. “Small claims court doesn’t yield readily-enforceable judgments, so that’s just kicking the can down the road, too.” For most people, simply seeing everything in writing is enough to prevent most issues — without having to go through the hassle (and money) of making it official. “Whether it’s legally binding isn’t relevant — the fact is that you’re more likely to follow rules that you’ve agreed to,” said Bauer.  He noted that spelling out responsibilities in a document “makes it less likely that there’s going to be a dispute that can rise to the level of contract dispute or legal dispute or a judgment from a landlord in the first place.” So what should you include in a roommate agreement? You can include as much detail as you want — who takes out the garbage, when quiet hours are, the number of guests allowed on the premises — but you’ll want to include some basics as far as financial responsibilities are concerned: Basics For any agreement, make sure to include all of the tenants. You can include separate sections for beginning and end dates for each roommate if they move in after the initial lease agreement, but at the very least, you should include the following info: Names of the tenants. Landlord’s contact info. Address of the residence. Beginning and end dates for the lease. Dated signatures. Financial Responsibilities  For each entry, include the amount due (or indicate each tenant must acknowledge receipt of the amount due if it varies monthly), payment due date, payment submission info, percentage each person owes and the responsible party for submitting payment: Security deposit. Rent. Utilities. Additional shared expenses (for example, food, parking or pets) Roommate and/or Lease Obligations Besides the expenses, you can include sections that address rules and regulations in regards to the residence: Responsibility for finding a replacement and notifying the landlord if a tenant moves out before the lease ends.  How to handle maintenance issues, including purchasing common room supplies like paper towels.  Rules for bringing in outside guests or animals. How the security deposit/damage charges should be divided at the conclusion of the lease. 3. Make Sure Anything That Has Your Name on it is Paid There’s a lot to take care of when you’re ready to move: figuring out the fastest commute route to work, reserving that four-hour window for the cable company, begging your friends and family to help you move. You might be tempted to split up some responsibilities with your roommate to save time, but you should be careful that you’re not setting yourself up for potential unwelcome surprises if your roommate relationship goes south. “Usually they split it responsibly: I’ll call the city to get the water taken care of, you deal with the electric company — that’s a problem if things go wrong,” Bauer said. “I would recommend as many roommates as there are, everyone’s name be on everything because there’s just no other way to secure yourself.” FROM THE DEBT FORUM Debt Payoff Strategy Tips? 9/16/19 @ 3:56 PM Parent loans 9/30/19 @ 11:17 AM Sallie Mae Loans 10/2/19 @ 7:33 AM [...]
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Life Update: Pregnancy (week 10), Downton Abbey, Science Fair, and Armadillos

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Life Update: Pregnancy (week 10), Downton Abbey, Science Fair, and Armadillos
This post may contain affiliate links. Read my disclosure policy here. 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. In case you missed last week’s update, check it out here. 10 WEEKS! Double digits and 25% of the way done, people! I was too sick last night to get a picture like I usually do, so here’s one sporting my outfit of the day today. 😉 I decided it was actually perfect to represent my week. Because it was a rough one, nausea-wise and exhaustion-wise. HIGHLIGHTS: Getting to see another ultrasound of our baby on my birthday. (My doctor had me come in for some testing to make sure all was well since I had been feeling so poorly. Our baby has grown so much and is looking so healthy! I still can’t believe that I’m actually pregnant. It’s just surreal!) Also, my second round of labs came back and my hemoglobin hadn’t gone down anymore but had actually gone up a tiny bit — which we were so excited about! It seems that using the cast iron pan and taking a double dose of Slow-Fe with orange juice daily is actually working! NOTABLE THIS WEEK: I have moved multiple clothes from my closet into the storage section because they either don’t fit anymore or are super uncomfortable. I also think I’m mostly going to be living in leggings and workout shorts for the next month or two until I can switch to maternity jeans/pants. CRAVINGS: Cottage cheese and Chick-fil-A honey barbecue sauce (not together!). I also am still usually able to eat Cracker Barrel pancakes (my brother and sister-in-law sent me a box of the mix and it legitimately tastes just like their pancakes!), macaroni & cheese + this week I added in Cream of Wheat and dry cereal. Apparently, this baby likes super bland food that is all the same color! 🤣 I’m still struggling to get enough liquids in (because most of them taste disgusting to me!), but this week I have found that drinking watered down juice or lemonade with ice works some of the time and I’ve also been able to eat/drink chicken broth or popsicles some of the time, too. WEIGHT GAIN: Even though I feel bigger this week and my clothes are fitting differently, I’m still holding steady at 3 pounds gained. How are the rest of you pregnant mamas doing? If you’re expecting, I’d love to hear when you’re due and how you’re doing! In other news, Jesse and I went to see the Downton Abbey movie for my birthday. We were both such big fans of the show so it was fun to see the actors/actresses altogether on screen again. The theater was packed out for a 1 p.m. on Tuesday showing… and Jesse was one of the only guys there. But we didn’t care! We discovered we have at least one armadillo that has been roaming around our house! We have seen him two nights so far this week. I’ve never seen one anywhere near our house so we thought it was cool at first… only to find out they are very destructive and not the kind of rodent you want living near your house! Silas had his last flag football game of the regular season this week. He’s been doing both baseball and football this Fall, so that has kept him quite busy. He also had his Science Fair on Friday. This year, their school made a change that parents weren’t allowed to help and all of the Science Fair work had to be done at school. So I hadn’t even seen any of his project before Friday! I was very proud of how it turned out and what he learned through it. And he did a great job on his presentation. What I’m… Reading right now: Try Softer (Also, my other reading this week was going through ALL 94 resources in the Genius Blogger’s Toolkit. I posted my top picks here and here. This Toolkit is only available until Monday.) Watching right now: World’s Gymnastics Competition Listening to right now: The quiet evening breeze coming from the open window. (It finally cooled down here enough in TN that we can have our windows open at night. It’s amazing!!) Loving right now: Hearing my husband playing and laughing and joking with the kids upstairs. In Case You Missed It: 10 Things I Learned When I Was 37 — In honor of my birthday this week. And wow! It’s been a big year! 8 Ways to Get Books for Free (or Almost-Free!) — Do you love reading but also want to make sure you don’t break your budget with book purchases? New from SmileDirectClub: Straighten Your Teeth While You Sleep — I wish this program had been available when I signed up! How I Got Over My Fear of Public Speaking — Some real honesty in this post here. Maybe you needed it today? 4 Strategies to Survive Stretching Seasons — Sometimes, you just do the best you can do. And that’s enough. We Stopped Buying Paper Towels — Why we stopped buying paper towels and how we live without them. [...]
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Can You Transfer Private Student Loans to Federal Loans?

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Can You Transfer Private Student Loans to Federal Loans?
Federal student loans can become private loans via refinancing. But there’s no way to transfer private student loans to federal. Borrowers who refinance federal student loans into private loans cannot undo this move and should understand its risks. Can you combine federal and private student loans? You can combine federal and private student loans, but... Ryan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. The article Can You Transfer Private Student Loans to Federal Loans? originally appeared on NerdWallet. [...]
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Uber’s New App Matches Service-Industry Workers With Local Businesses

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Uber’s New App Matches Service-Industry  Workers With Local Businesses
Uber is adding to the ways gig workers can find on-demand jobs. The company launched a new app Friday called Uber Works. Currently available only in Chicago, it connects people with local, temporary gigs. The company also debuted Works.co, a new website ahead of the app’s release. The new platform was announced in a blog post Wednesday. “We believe that finding work shouldn’t have to be a job in itself. For positions as diverse as being a prep cook, warehouse worker, a commercial cleaner or event staff, Uber Works aims to make it easier to find and claim a shift,” the company said in the announcement. Uber tested the staffing platform in Los Angeles last year before moving operations to Chicago for the launch. The new staffing services come as a deviation from the company’s heavy focus on transportation. How Does Uber Works Work? Local gig seekers can download the app on Android and iOS devices to find shifts from a variety of businesses in the area. Users must be 18 or older. “Uber Works app users can get detailed information about shifts they’re interested in, including information about gross pay, work location and skills, or required attire,” the company said in an announcement. “Uber Works also serves as a one-stop shop for all time-tracking needs, allowing users to clock in and out and log breaks.” Gigs are provided by local businesses, not by Uber Works itself, and are primarily related to food services, event setup, general labor and cleaning. In the announcement, Uber said that it won’t directly hire workers. Instead, Uber Works relies on staffing-agency partners to employ workers and handle their pay and benefits. After downloading the app and setting up an account, users can create their own schedule and search gigs from nearby businesses within that time frame. The app’s terms and conditions outline a disciplinary system based on “marks” for tardiness or absences after a worker accepts a job. Two marks are applied for every 15 minutes a worker is late. Six marks are applied for a no-show. Workers who incur 10 marks over a 30-day period are banned from the app. FROM THE MAKE MONEY FORUM Making $$$ from home 10/2/19 @ 5:18 PM work at home 4/3/19 @ 9:26 PM business development 10/1/19 @ 10:27 PM T FlexJobs 9/27/19 @ 5:43 PM s See more in Make Money or ask a money question While Uber Works services are different than many other popular freelance platforms like Upwork and Freelancer, the concept isn’t novel. Chicago-based digital staffing agency Shiftgig was founded in 2012, and it offers essentially the same services across multiple states. Uber has been experimenting with several new services in recent years — including a foray into e-scooters, public transit and now on-demand staffing — in a bid to reach profitability surrounding its IPO in May. In August, the company reported a record $5.2 billion loss in its second-quarter results. In recent months, Uber has laid off more than 800 employees. 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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Corda powered SWIFT GPI Link could be a game-changer in global trade finance

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Corda powered SWIFT GPI Link could be a game-changer in global trade finance
In September, SWIFT – the inter-bank messaging firm, announced the successful proof of concept (PoC) of the “GPI Link” platform in collaboration with R3. The SWIFT Global Payments Innovation (GPI) platform has previously trialled Hyperledger without much luck.  However, with R3’s growing network of corporates, the pilot seems to have gone better. The pilot also […] The post Corda powered SWIFT GPI Link could be a game-changer in global trade finance appeared first on Daily Fintech. [...]
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Don’t Wait: Here’s Where to Get a Free or Low-Cost Mammogram This Month

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Don’t Wait: Here’s Where to Get a Free or Low-Cost Mammogram This Month
If you couldn’t tell by all the pink everywhere, October is Breast Cancer Awareness Month. And one of the best ways to stop breast cancer in its tracks? Early detection (it works). Though every woman should do breast self-exams each month, women over 40 should also consider getting a mammogram — an X-ray that examines breast tissue — every one to two years. (Here are specific guidelines.) If you’re younger than 40 but have risk factors for breast cancer, you might need mammograms, too; ask for your doctor’s recommendation. But whatever your age, don’t avoid mammograms because of their cost. 6 Places That Offer Low-Cost or Free Mammograms Women today have a bounty of ways to get free and low-cost mammograms. Here are six options. 1. Your Doctor If you’re 40 or older, the Affordable Care Act requires your insurer to cover screening mammograms with no co-payment. More information is available here. Medicare and Medicaid also cover the cost of mammograms. 2. The National Breast Cancer Foundation The National Breast Cancer Foundation partners “with medical facilities across the country to provide free mammograms and diagnostic breast care services to underserved women.” Click here to search for a location near you. 3. The Susan G. Komen Foundation This organization has affiliates in 120 American cities.   According to its website, its affiliate network “is the nation’s largest private funder of community-based breast health education and breast cancer screening and treatment programs.” To learn what resources are available in your area, search for your local affiliate here. Prefer to speak to someone? Call the organization’s breast care helpline at 1-877-GO-KOMEN (1-877-465-6636), and the representatives will help you find low-cost options in your area. 4. The National Breast and Cervical Cancer Control Program The CDC’s National Breast and Cervical Cancer Control Program “provides breast and cervical cancer screenings and diagnostic services to low-income, uninsured and underinsured women across the United States.” To qualify for this screening, you should be between the ages of 40 and 64, have no insurance or insurance that fails to cover screening exams, and live at or below 250% of the federal poverty level. You can find out more information about your state or territory here. FROM THE SAVE MONEY FORUM For those Who do not drive, what is the cheapest way to get around? 8/16/19 @ 1:55 AM M Saving money on pet meds 9/11/19 @ 3:41 PM Acorns 8/14/19 @ 6:00 PM How to save when grocery shopping 8/15/19 @ 2:43 PM See more in Save Money or ask a money question 5. The YWCA Some YWCA chapters provide breast cancer screening and education to women who have no insurance or who are underinsured. Contact your local YWCA to see if it offers affordable mammograms.   6. Your Local Imaging Center According to the Susan G. Komen Foundation, many imaging centers offer reduced rates during Breast Cancer Awareness Month. You can search for a local mammography center on the FDA website. You might be wondering why Planned Parenthood isn’t on the list. These popular clinics provide clinical breast exams, but not mammograms; if an abnormality is detected during your exam, the doctor will refer you to a provider of low- or no-cost mammograms like the ones above. To learn more about mammograms — including how they work and how to prepare — check out this PDF from the Komen Foundation. Whatever you do, don’t wait! Susan Shain is a contributor to The Penny Hoarder. Former SEO analyst Jacquelyn Pica assisted with research. 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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Writing a Will? How to Stop Stalling and Get It Done

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Writing a Will? How to Stop Stalling and Get It Done
You know you should have a will, but you keep stalling. No one likes to think about dying or about someone else raising their children. But if you get no further than scribbling notes or thinking about which lawyer to hire, you risk dying “intestate” — without a will that could guide your loved ones,... Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. The article Writing a Will? How to Stop Stalling and Get It Done originally appeared on NerdWallet. [...]
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Ready for a Change of Scenery? These 9 Cities Will Pay You to Move There

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Ready for a Change of Scenery? These 9 Cities Will Pay You to Move There
If you could use a change of scenery, why not get free money to move somewhere? In the face of declining or slowing population growth, some cities have decided to get aggressive about their survival. Some are giving away free land, others free tuition, and still others are literally handing out stacks of cash to folks who agree to move their metropolitan area. Here are 10-plus places that really, really want you to move there… Places That Will Pay You to Move There If you’re already looking for a new place to call home, but you don’t have your heart set on a specific area, there are plenty of ways to determine a good fit for you. If you’re just starting out your career, we’ve found the top 10 cities for wage growth. And if it’s closer to quitting time, we’ve found 11 surprisingly affordable cities for retirement. But if you’re simply looking for a change and welcome a financial incentive, we’ve found 10 cities — and two states — that are offering deals worth thousands of dollars to entice you to make their communities your home sweet home. 1. Tulsa, Oklahoma Oklahoma’s second largest city is offering to pay remote workers $10,000 cash to relocate there through its Tulsa Remote program. You’ll get some upfront cash to help with relocation expenses, then a monthly stipend for your first year. At the end of the year, you get the remaining dough. And they’ll throw in a desk at a coworking space so you don’t have to work out there on the plain all by your lonesome.  The only requirements are that you must be 18 years old, eligible to work in the United States and, you know, want to live in Tulsa. The 2019 application has closed, but you can sign up to receive an alert as soon as the 2020 application opens. FYI: You’ll need to be ready to move to Tulsa within six month if accepted. 2. Hamilton, Ohio Hoping to boost its college-educated quotient, Hamilton, Ohio, has a “reverse scholarship,” which pays successful applicants up to $10,000 to move to this small city outside of Cincinnati — paid out in 30 convenient $300 installments. To qualify, you must have graduated within the last seven years from a STEAM (Science, Technology, Engineering, Arts or Mathematics) program. And you can’t currently live in the city of Hamilton, but you must demonstrate employment within Butler County (where Hamilton is located).  The city’s website also states a preference for those with a desire to give back and engage with the community, so perhaps this is your shot to stage that community theater production of… “Hamilton.” Just sayin’. 3. Marquette, Kansas Anyone who’s ever driven cross country via I-70 knows Kansas has no shortage of open space. The state has experienced declining population growth since the early 1900’s, so towns like Marquette have been giving out free plots of land in order to entice new residents. Marquette’s free plots are located on the west side of town in the Westridge Addition, and the website promises beautiful sunset views over the open fields. To qualify for the free land, you must agree to build a home on the land within one year, and commit to living there for at least a year after your home is completed. 4. Lincoln, Kansas Here’s another Kansas town offering free land to qualified inhabitants. According to its website, you’ll be able to see the buffalo roam from your home on the range, should you take them up on their offer. Again, you’ll have to comply with the city’s requirements for building and inhabiting a home within set time parameters. Contact Lincoln City Hall for full details. Even if neither Marquette nor Lincoln quite suits you, you might be able to take advantage of Kansas’ Rural Opportunity Zones elsewhere. They cover 77 counties, and benefits include tax waivers and student loan repayments. 5. Curtis, Nebraska How’d you like to build your dream home — without spending a dime on the land itself? It’s possible in Curtis, Nebraska. Construct a home in Curtis within a set amount of time (and according to certain specifications), and you’ll receive the land free. All of the lots come utility ready and are located on paved streets. And in Curtis, it’s the more the merrier — and more lucrative. The family incentive program awards $500 for the first kid, $750 for two and $1,000 for three more children who move to the city and enroll in the Medicine Valley Public Schools. FROM THE MAKE MONEY FORUM work at home 4/4/19 @ 1:26 AM business development 10/2/19 @ 2:27 AM T FlexJobs 9/27/19 @ 9:43 PM s SSDI Isn't Enough To Make Ends Meet 9/25/19 @ 2:38 PM See more in Make Money or ask a money question 6. New Richland, Minnesota Life’s simpler in the Midwest — especially when you can get land for free. If you build a home within a year of receiving the land’s deed, your new property in New Richland’s Homestake subdivision will be 100% free of charge. Plus, the town’s in proximity to a golf course, lake and bike trails. 7. Harmony, Minnesota Want to move to the “Biggest Little Town in Southern Minnesota”? The town of Harmony will provide home-builders a cash rebate of up to $12,000 to cover costs of construction — and the program has zero age, income or residency restrictions. 8. Niagara Falls, New York Need help repaying your student loans? Who doesn’t? It might be as easy as moving to scenic Niagara Falls, New York. The city will reimburse you for student loan payments up to nearly $7,000 if you agree to live in specific neighborhoods for two years. Plus, you’ll live right next to one of the seven natural wonders of the world.  9. Baltimore, Maryland Ready to give a little love to an underloved property — and get paid for it? Baltimore’s Vacants to Value Booster incentive gives $10,000 to buyers of Vacants to Value properties in an effort to address the blight caused by abandonment in the area. The home must be your primary residence, and you must be willing to invest at least $1,000 of your own resources. Also, the $10,000 must go toward your down payment and closing costs. If that’s not enough reason to Old Bay country, the city also has a Buying Into Baltimore program that offers a $5,000 incentive to use toward buying a home anywhere in Baltimore. You must attend a Trolley Tour event to be eligible; 30 individuals are selected on a lottery basis. Still not convinced? We have two words for you: crab cakes. Bonus: Anywhere in Alaska or Vermont Why limit yourself to just one city when Alaska and Vermont will pay you to live anywhere in their states? Since 1976, Alaska has paid its residents to live there via its Permanent Fund Dividend. The payouts are funded by Alaska’s oil royalties and are divided up evenly among citizens. Yearly payouts vary, but the 2018 dividend was $1,600. Not too shabby just for being there! To be eligible for the rebate, you must not claim residency in any other state or country. Check out the full details here. Vermont, on the other hand, is making its case for remote workers to relocate to the land of maple syrup. The state’s Remote Worker Grant Program will pay for “qualifying remote worker expenses” up to $10,000 — $5,000 per year for up to two years. And in 2020, [...]
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Limited Time Offer: Hyatt Cardholders Can Earn a $50 Statement Credit

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Limited Time Offer: Hyatt Cardholders Can Earn a $50 Statement Credit
Hyatt credit card holders already have impressive points earning power when they stay at Hyatt properties. Now for a limited time, they can earn a $50 statement credit, too, by spending at least $300 with Hyatt Place or Hyatt House. Like many hotel promotions, this one requires World of Hyatt members to register before they... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Limited Time Offer: Hyatt Cardholders Can Earn a $50 Statement Credit originally appeared on NerdWallet. [...]
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So You’re Ready to Open a Bank Account? Here’s Exactly What You Need

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So You’re Ready to Open a Bank Account? Here’s Exactly What You Need
Regardless of where you are in life, you will likely need to open a bank account at some point.  But what do you need to open a bank account, exactly? Whether you’re a total newbie or just haven’t opened one in a long time, the process of opening an account can be stressful. But it doesn’t have to be. Prepare yourself before you head to the bank, and the process will go much more smoothly. What Do You Need to Open a Bank Account? Usually, you can open an account online or in person at a local bank branch. If you go in person, make sure you collect all your documents ahead of time to avoid delays. (We’ll discuss what you need to bring later on.) No matter how you open your bank account, you’ll need to fill out an application. This will include personal information like your name, address and Social Security number. If you’re applying online, you’ll need to enter your photo ID number so the bank can verify that you are who you claim to be. How to Determine if You’re Eligible to Open a Bank Account Each bank has different eligibility requirements, so it’s a good idea to do some research before choosing a bank. But all banks have certain eligibility requirements mandated by law. First, you need to be at least 18 years old to open a bank account on your own.  If you’re under 18, you may be able to open a joint account with a parent or legal guardian. You might also check with your bank to see if they offer accounts designed for minors.  Opening a bank account at a young age can help you learn how to properly manage your money, making the transition to adulthood an easier one. Many banks will look at your financial history before allowing you to open an account. So if you have a history of overdrafts or have had accounts closed by the bank before, you may be ineligible. Some banks will work with you even if you have a bad history, so it’s worth doing your research if this applies to you. In some circumstances, banks will only allow you to open an account if you’re a U.S. citizen. What to Bring When You Open a Bank Account Once you’ve chosen a financial institution where you want to open a checking or savings account, you’ll need to make sure you show up with the right documents to ensure a smooth process. Here’s what to bring. Photo ID When opening an account for the first time, you will need to bring some form of photo ID. The most common form is a state-issued driver’s license, but a passport will also work.  If you don’t drive and don’t have a passport, you can get a state ID from your local Department of Motor Vehicles office. To get an ID, you’ll need to provide the DMV with your birth certificate and proof of address. Social Security Card You may need to show your Social Security card to open an account, so it’s a good idea to bring it along just in case.  If you don’t have a Social Security number, you will need an Individual Taxpayer Identification number. You can get one by submitting Form W-7 to the IRS. Proof of Address You will need to bring some sort of proof of your address, such as a utility bill or mortgage statement. You can also provide a lease agreement that lists your address. Deposits Most banks require you to make an initial deposit when you open a new account, so make sure you ask what the minimum deposit is and have that amount of money with you when you go to open the account. 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 Happens After You Apply for a Bank Account? Once your application is complete, the bank will review it and check your history with bank accounts, if applicable. If you’re approved for the account, you will receive the account number and routing number so you can begin using it immediately. This is when you will pay your initial deposit.  If you’re opening the account in person, you can use cash, a check or an electronic transfer. If you’re opening the account online, you should be able to use all of the above options, with the exception of cash. After a few days, you’ll receive a checkbook, deposit slips and a debit or ATM card in the mail. The card will include instructions on how to activate it, which you’ll typically do over the phone or online. Make sure you sign the card or it could be considered invalid. Once you have your bank account details, you can set up a direct deposit for your regular monthly income, whether that’s a paycheck, retirement funds or other benefits. Direct deposits make it easy to access your money each month and avoid the extra step of having to cash a check. Next, you can set up online access to your bank account. Make sure you choose a password that you’ll remember but that isn’t too easy to guess. Some banks have different login methods for additional security, so make sure you choose one that won’t be too hard for you to use to access your funds. Opening a bank account, whether for the first or 50th time, can be daunting. But by making sure you have everything you need ahead of time, it can be quick and easy. Catherine Hiles is a writer, mother, runner and avid reader. She enjoys cooking (and eating), good beer and spending time with her husband and two young children. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Category 5 hurricane in cash markets – Dollars, Bitcoins, …

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Category 5 hurricane in cash markets – Dollars, Bitcoins, …
The USD suffered a serious cardiac liquidity episode in late September. Not as bad as the 2013 China`s one but of course, with substantially larger global impact. This time it even affected the seemingly unaffected digital asset class. Efi Pylarinou is the founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the […] The post Category 5 hurricane in cash markets – Dollars, Bitcoins, … appeared first on Daily Fintech. [...]
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We Stopped Buying Paper Towels

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We Stopped Buying Paper Towels
Is it possible to live without paper towels? Yep, it is. In this post, I share why we stopped buying paper towels. I also share how we manage to live just fine without them. “Where are your paper towels?” I get this question so often from new guests who are at our house. They always look a little shocked when I say, “Well, actually, we don’t buy paper towels.” As I’ve mentioned the fact that we stopped buying paper towels online, I’m always met with curious questions about how on earth we manage to live without paper towels. The process was really just two simple steps… 1. Stop Buying Them You want to know how we’ve eliminated paper towels from our home? Well, here’s the answer: I just stopped buying them. Seriously, that was it. Early on in our marriage, I realized that paper towels were one item I could never find that great of a deal on. I also realized that these were an item many people lived without for thousands of years, without any issue. So I talked to my husband and asked him if I could do an experiment: could I just stop buying paper towels and see if we missed them? You know what? We never really even noticed. When we needed to clean up a spill, we just used a towel. When we needed to wipe something up, we used a rag. It just wasn’t a big deal. Honestly, the only times I’ve realized we didn’t have paper towels were when someone was at our home and they asked for a paper towel. I’d just tell them we actually don’t use paper towels, but the rags or towels are in the bottom drawer in the kitchen. 2. Find Creative Alternatives I keep a drawer full of towels and rags in the kitchen handy for spills and clean-up. The only time I’ve found that paper towels were really handy (and I did buy some) was for our camping trips and when we moved. Otherwise, for everyday messes and spills, rags or old towels/washcloths have worked just great for us. We can always toss them, if need be, if the spill was really messy. A number of people have asked what we use to drain bacon on, since that seems to be a very common use of paper towels. We actually cook our bacon in the oven on a cooling rack with foil on a pan underneath. So yes, we do throw out this foil once it has been used. No, You Don’t Need to Quit Buying Paper Towels! Now, please know, I’m not writing this to make the case that all of you need to quit buying paper towels. However, I share it as an example of how there are many things we’ve come to think are “necessities” in life which really aren’t. How about trying to live without some of these things and see if it really is that difficult or earth-shattering? You might be surprised to discover you don’t even miss these once-considered “necessities”. What about you? What simple things have you eliminated from your life and found you didn’t miss at all? Tell us about it. [...]
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7 Things That Prove Cheaper Isn’t Always Better

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7 Things That Prove Cheaper Isn’t Always Better
Koldunov / Shutterstock.com Everyone wants to save a buck. But in our pursuit of savings, there are some areas where we shouldn’t skimp. Following are seven items for which spending more cash can be worth every penny. [...]
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How to Rack Up Points and Miles With Everyday Spending

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How to Rack Up Points and Miles With Everyday Spending
Credit card companies are always pushing new travel cards with welcome bonuses that can be too tempting to pass up. But what if you already have as many cards as you can handle? Or don’t want to pay another annual fee? Or don’t want to learn how to navigate yet another card’s redemption regulations? There are still... Alisha McDarris is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How to Rack Up Points and Miles With Everyday Spending originally appeared on NerdWallet. [...]
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Singapore opens doors for digital banking boom in South East Asia

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Singapore opens doors for digital banking boom in South East Asia
Earlier this year, Hongkong offered digital banking licenses to Alibaba, Tencent and Xiaomi. Therefore, it is not surprising to hear that the Monetary Authority of Singapore (MAS) are opening up their doors to digital banks too. Applications are open for firms wanting to set up a digital bank in Singapore. The deadline for applications is […] The post Singapore opens doors for digital banking boom in South East Asia appeared first on Daily Fintech. [...]
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What Walmart’s Switch to Capital One Means for Your Credit

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What Walmart’s Switch to Capital One Means for Your Credit
On Oct. 11, 2019, Walmart’s massive credit card portfolio is due to transition from Synchrony to Capital One. And for existing Walmart cardholders, this major switch raises a big question: Will changing issuers affect my credit? The short answer: Probably not, because of credit reporting conventions that issuers follow. “A transition of account ownership does not... Claire Tsosie is a writer at NerdWallet. Email: claire@nerdwallet.com. Twitter: @ideclaire7. The article What Walmart’s Switch to Capital One Means for Your Credit originally appeared on NerdWallet. [...]
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Disney Princess My Beauty Spa Kit

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Disney Princess My Beauty Spa Kit
If you have a little one that loves everything Disney Princess, this would be a great deal to grab and use as a gift for later in the year! You can get the Disney Princess My Beauty Spa Kit for only $6.00 right now. You will be saving 45% on this purchase because it is ... Read More about Disney Princess My Beauty Spa Kit The post Disney Princess My Beauty Spa Kit appeared first on Penny Pinchin' Mom. [...]
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10 Podcasts to Help You Launch Your Business

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10 Podcasts to Help You Launch Your Business
Are you prone to running cost-benefit analyses on your free time? You’re not alone. In the early days of starting a business, time is invaluable. As a budding entrepreneur, you may find it difficult to manage day-to-day tasks and big-picture thinking. One productivity hack sure to help you strike a balance: podcasts. You can learn the business secrets of some of the world’s most successful companies all while checking stuff off of your never-ending to-do list. To maximize your business-knowledge gains, you just have to know where to start, which leads us to… The Penny Hoarder’s 10 Best Business Podcasts for Entrepreneurs Our recommendations of podcasts for entrepreneurs don’t come in any particular order. They include advice from voices both big and small on what goes into starting a business. AngelList Radio AngelList, a website for investors, startup owners and job seekers, was founded in 2010. Over the years, it’s become an invaluable resource for small business owners. It even made our list of top free business resources. In 2016, AngelList started experimenting with podcasts. It launched season one of AngelList Radio, hosted by entrepreneur Tyler Willis. The podcast features deep dive interviews with successful venture capitalists who were early investors in Reddit, Snapchat, Uber and other companies that went on to become unicorns. The hour-plus-long interviews provide an inside look at how angel investors think and what they’re looking for when investing in startups, something every business owner should take note of. So far, there’s only one season. The podcast launched with the intention of doing multiple seasons, but there’s been radio silence for quite some time. Still, there’s about nine hours of investor secrets to binge-listen. Building a StoryBrand Podcast New businesses often struggle to connect with their customers. There’s a lot to think about when launching a business, and it can be overwhelming for a small team (or a team of one) to manage strategic branding along with day-to-day business functions. Donald Miller knows this well. He hosts Building a StoryBrand, based on his book of the same title. The podcast and the book hone in on the same theme: “Clarify your message so your customers will listen.” The series includes more than 150 episodes rife with storytelling techniques to keep your business’s message succinct and engaging, but the podcast also includes other general advice geared toward small business owners. New episodes air on Mondays and typically run 40 minutes to an hour. The Creative Entrepreneur When thinking of entrepreneurs, images may come to mind of suit-clad businesspeople power walking to meetings, phone in one hand and suitcase full of pie charts in the other. Yeah OK, sure. Those people exist somewhere. But the majority of business owners aren’t that stereotype. They are everyday people in Minnesota and Florida and South Dakota, not just New York and San Francisco.  And some of those people are trying to make it in creative fields.   The Creative Entrepreneur is one of the best podcasts for entrepreneurs like them. Bob Baker, a podcaster, author and comedian has been making podcasts for nearly two decades. In this series, he pumps out a bimonthly stream of helpful advice and insightful interviews for artists and creatives. Episodes vary in length, ranging from about five to 30 minutes. Foundr Podcast In 2013, Nathan Chan founded Foundr, a digital magazine for young entrepreneurs. Chan’s mission is to help people start businesses of their own, and he does so by talking with top-tier CEOs, founders and entrepreneurs, then shares their tricks of the trade. The publication has a subscription fee, but the Foundr Podcast, which Chan started in 2014, is free. Each episode runs about a half hour and typically features interviews with notable entrepreneurs, highlighting how they built and scaled their businesses. Some episodes focus on actionable tips on topics such as time management and crowdfunding.  There’s a lot for entrepreneurs to sink their teeth into, as the series is more than 250 episodes strong. Freakonomics Radio In 2005, “rogue” economics professor Steven D. Levitt teamed up with award-winning journalist Stephen J. Dubner to pen “Freakonomics,” a book that unearths “the hidden side of everything.”  The book was wildly successful and spun off several other works, including a blog, more books and, of course, the radio show. Dubner launched Freakonomics Radio in 2010 and is still cranking out new weekly episodes (nearing the 400 mark). The podcast is an extension of the book’s wide-ranging theme. In contrast to other podcasts on this list, you probably won’t learn a specific investor-wooing strategy. What you will learn is context — into how certain industries work, how the economy works and how politics works. How I Built This Hosted by Guy Raz and provided by NPR, How I Built This is an award-winning podcast built on a simple premise: interview the most successful business owners and entrepreneurs of the day and dive into exactly how they achieved success. Interviews range from the humorous to the heartwrenching. Many entrepreneurs divulge strategies that helped them scale their businesses in the early days, and some share anecdotes of the unglamorous, sleepless, stressful side of entrepreneurship. Raz rounds out each interview with his signature question, “How much of your success is skill and how much is luck?”  New episodes air every week and most of them are more than an hour long. Mixergy Interviews Mixergy is a website with a mission to help everyday entrepreneurs in the thick of things. It offers e-courses and interviews to spread actionable business advice. Mixergy Interviews offer a treasure trove of inspiration and business strategies. Over the years, host Andrew Warner has recorded more than 1,800 no-frills interviews that are indexed and searchable by category, such as “bootstrapping,” or “ecommerce” or “women founders.” The archives date back to 2008. (Older episodes may require entering an email address to access.) Warner posts new episodes almost daily. Each one is about an hour long. FROM THE MAKE MONEY FORUM FlexJobs 9/27/19 @ 5:43 PM s SSDI Isn't Enough To Make Ends Meet 9/25/19 @ 10:38 AM work at home 4/3/19 @ 9:26 PM Shortage in Budget 9/26/19 @ 1:16 PM See more in Make Money or ask a money question Secrets of Wealthy Women Think back to that mental image of a stereotypical entrepreneur. Was that power-walking, suit-clad person a male? The podcast Secrets of Wealthy Women wants to blow up those assumptions and expand the playing field. Among the many podcasts for entrepreneurs, this one aims to empower businesswomen through thoughtful interviews featuring “women executives, workplace pioneers, self-made entrepreneurs, industry trendsetters and money-savvy experts.”   Guests share advice on starting businesses, building personal brands, dealing with pay inequality and discrimination in the workplace, as well as women-centric strategies to achieve financial success. The Wall Street Journal’s personal finance reporter Veronica Dahger hosts the podcast, which launched in late [...]
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Afternoon Deals: Saturday, September 28

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Afternoon Deals: Saturday, September 28
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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New SEC Rule Expands “Test-the-Waters” to All Issuers

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New SEC Rule Expands “Test-the-Waters” to All Issuers
On September 26, the Securities and Exchange Commission adopted a new rule to allow all issuers, not just emerging growth companies, to utilize “test-the-waters” communications in connection with an initial public offering or other securities offering. The rule implements the proposal put forth by the SEC in February 2019, discussed in the March 1, 2019 edition of Corporate & Financial Weekly Digest. Since 2012, the JOBS Act has allowed emerging growth companies to engage in “test-the-waters” meetings with institutional investors prior to or following the filing of a registration statement. These meetings have proved popular with issuers looking to gauge investor interest in a potential offering prior to a formal roadshow and, in some cases, prior to devoting significant financial and other resources to the registration process. The SEC’s new rule expands this accommodation, which is intended to encourage more issuers to consider entering the US public markets, to all issuers. As a general matter, Section 5 of the Securities Act of 1933 (Securities Act) prohibits issuers from making any written or oral offers prior to filing a registration statement. Once a registration statement is filed, offers must be made pursuant to a “statutory prospectus” that conforms to the requirements of the Securities Act. “Test-the-waters” communications are exempt from these limitations, allowing these communications to occur before a registration statement is filed or before a statutory prospectus is furnished to investors. Under this new rule any issuer, or any person authorized to act on behalf of an issuer (including an underwriter), can engage in oral or written communications about a potential offering with investors that are, or are reasonably believed to be, qualified institutional buyers or institutional accredited investors. Importantly, though, “test-the-waters” communications are “offers” within the meaning of the securities laws and are subject to the general anti-fraud provisions of the federal securities laws, as well as to potential liability under Securities Act Section 12(a)(2) (Civil Liabilities in Connection with Prospectuses and Communications). Accordingly, issuers should take care in preparing or authorizing any “test-the-waters” materials and review the contents with legal counsel prior to holding any meetings. Under the new rule, no special legending will be required in connection with “test-the-waters” communications, and issuers will not be required to publicly file “test-the-waters” materials. The SEC noted, however, that, as is currently the practice of the SEC staff when reviewing registration statements, the staff could request an issuer to furnish any “test-the-waters” materials to the staff in connection with their registration statement review. The SEC also reminded public companies to consider the application of Regulation FD in connection with furnishing investors any materials. To the extent “test-the-waters” communications contain any material nonpublic information, an issuer would need to determine whether Regulation FD requires public disclosure of the information at the same or whether an exemption from Regulation FD disclosure applies. The new rule will be codified as Rule 163B under the Securities Act, with conforming amendments to existing Rule 405, and will take effect 60 days after publication in the Federal Register. The SEC’s full adopting release is available here. [...]
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Your Guide to Booking Award Nights With Hilton Honors

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Your Guide to Booking Award Nights With Hilton Honors
Hilton is one of the largest hotel brands, with more than 4,800 hotels around the globe. Its Hilton Honors reward program can be richly rewarding for its members. How many points are needed for a free night? Hilton Honors points can be redeemed for a free night for as little as 5,000 points for a Points... Lissa Poirot is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Your Guide to Booking Award Nights With Hilton Honors originally appeared on NerdWallet. [...]
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ITC 2019 as mixer, and a mixed bag of InsurTech topics

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ITC 2019 as mixer, and a mixed bag of InsurTech topics
Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners. He also serves the insurance and Fintech world as the ‘Insurance Elephant’. Just as swallows return to Capistrano, the insurance innovation world returns to Las Vegas for its InsureTech (sic) Connect conference, this year attended by 7000.  Well, if Jay […] The post ITC 2019 as mixer, and a mixed bag of InsurTech topics appeared first on Daily Fintech. [...]
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25 Things You Should Never Buy — and What to Buy Instead

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25 Things You Should Never Buy — and What to Buy Instead
StoryTime Studio / Shutterstock.com American consumers are swimming in sea of products. Any need, want or whim can be met with a quick trip to the mall or click of a keyboard. In this retail wonderland, it’s easy to make a few mistakes. We’ve all fallen victim to aggressive marketing and been lured in by budget-busting convenience products, impulse buys and things that simply don&#8217. [...]
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Limited Time Offer: 30% Bonus for AmEx Cardholders on Transfers to Marriott Bonvoy

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Limited Time Offer: 30% Bonus for AmEx Cardholders on Transfers to Marriott Bonvoy
American Express is offering a 30% bonus on point transfers from Membership Rewards to Marriott Bonvoy through Oct. 31, 2019. In this article, we’ll look at some sweet spot Marriott redemptions to help you decide whether taking advantage of this transfer bonus makes sense for you. Promotion terms Under the terms of the bonus, you’ll... Elina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. The article Limited Time Offer: 30% Bonus for AmEx Cardholders on Transfers to Marriott Bonvoy originally appeared on NerdWallet. [...]
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A Peek Into August at Our House

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A Peek Into August at Our House
This post may contain affiliate links. Read my disclosure policy here. Every month in 2019, I’ll be sharing a photographic peek into the previous month. I thought this would be fun to give you a behind-the-scenes look at our month and recap some of the highs and lows and special memories of the month. August started out with a fun lunch at The Dotted Lime in Columbia, TN to celebrate my friend Lauren’s birthday. I was so impressed with the restaurant and would highly recommend it — especially if you have food allergies. This note on their water cracked me up and I had to share it! 🙂 We always take a second trip with my entire extended family (thanks to my dad’s generosity to pay for it!) and we have always gone to Bull Shoals Lake in Arkansas. However, the place we usually stay at had gone out of business and my dad couldn’t find a good alternative at Bull Shoals Lake. So instead, he found this really unique place on Table Rock Lake called Caboose Junction. It was a place that had 6 caboose + a main house. While the caboose were a little on the rustic side, the area was beautiful and it worked at really well for all of us to stay there! See what I said about beautiful? We had a private dock and swimming area and the kids couldn’t get enough of the water! As usual when we’re all together, we divvied up the cooking and clean-up. I shared our large group menu plan. And of course, we did lots of eating! I think one of our favorite new large group meal ideas was the Baked Potato Bar. Guess what I finished while on this trip?? The 21-Day Squat Challenge. As I’ve written about, I used to truly detest squats. But this challenge changed my mind and I felt so accomplished to not miss one single day! These three loved soaking up the sun and every last bit of summer! One of their favorite things on the trip? Jumping off the high dock! (Jesse and I even did it a few times — evidence is here.) On the trip, every afternoon, my mom read to the kids and did different activities and then the older girl cousins were in charge of games, crafts, and snacks. We played lots of different fun games on the trip, including Apples to Apples. One of the highlights of the trip: Kathrynne became proficient in slaloming (water-skiing on one ski). Here’s a little look at two of the caboose. On our way home from the lake, we stopped at Lambert’s. Silas would just sit and catch rolls all day at Lambert’s if I let him! (I told him I thought he had enough after 4!) We also stopped by Christian County Discount Freight & Grocery. (I did a full post on our experience there.) I loved this photo I took on the way home from our trip. As soon as we got home, it was time to jump back into school for the year. I posted this caption on Instagram with this first day of school photo: “How are you?” She asked as I opened the door to welcome her into our home. “Well, I just had an argument with my husband and my day didn’t go at all like I had planned.” I sighed. (Please note the irony that this was the very same day — Monday — I had posted about communicating well with your spouse. Yup.) She was there to do our foster care interviews and inspect some things in our home as part of our licensing process. I had a neat little plan at the beginning of the day as to how everything was going to get done. I pictured greeting her at the door with Jesse, both of us genuinely beaming, maybe with soft music and candles in the background. Instead, Jesse wasn’t home yet and I was frustrated with him and my neat little plans had gone out the window. (I hadn’t accounted for having a sick child, a doctor’s appointment that went way long, a car that wouldn’t start, and having to change plans at the last minute to try to get people multiple places at the same time with only one car.) As she inspected the things in our house, I wanted to apologize for the unmade beds, the unwashed dishes, and the items we had to skirt around to get downstairs, but I didn’t. This is real life. I want her to know who we are. Yes, I try to have a clean and neat house. Yes, I try to stay on top of the dishes. And yes, I do believe in making beds (well, at least in theory! 😉) But oftentimes, my best intentions don’t happen — and that’s okay! By the way, we passed the interviews and inspection, the car got fixed, the child got well, and Jesse and I worked through our differences. See? Like I said, it was okay! If you’re looking for perfection, you won’t find it at our house. But I hope you do find a family who is sometimes behind and sometimes messy, but who loves Jesus and loves other people — and who are committed to keep showing up for one another and working through their misunderstandings. And who at least occasionally make the bed. 😉 P.S. This photo was taken on the first day of school. Kaitlynn was sick, but she still wanted to be in the picture, so she cane up with the idea to pose with a thermometer in her mouth.🤣 Kaitlynn and I flew to Maine for me to speak at Fab Blog Con. The food blogger conferences have the BEST gift bags — this one was full of Enjoy Life products! We got to go and see one of the light houses. I posted this picture on Instagram with this caption: She came into my room a little while ago and said, “Mom, do you want to come out and eat breakfast with me?” The last 20 minutes, the two of us just sat at the table together and talked while the rest of the family was still asleep. (We’re both the early risers!) Recently, my nights have been pretty short because of staying up talking to my night owl child and getting up early talking with my early riser. But I wouldn’t trade any amount of sleep for this. For the opportunity for my kids to share their hearts, tell me what they are thinking and feeling, and *want* to hang out with me. Two nights ago, I met a father who had just dropped his youngest child off at college. He looked me square in the eye and said, “Cherish every moment. Take advantage of every opportunity to be with your kids.” It might sound cliche, but it wasn’t. And I want to want take his words to heart. With me working full-time, extracurricular activities and ministry we’re involved in, plus the kids’ homework load, many days I only get to spend 15-30 minutes one-on-one with each of the kids on week days. But instead of lamenting that or wishing for a different life (because I know clearly that we are right where God has us), I’m learning to look for pockets of time each day and make myself available to them. That might mean late at night, early in the morning, or inviting them to ride with me when I go run an errand. And then I try to give my all to them during those small windows of time. We can’t do everything, but we can do something. Let’s stop focusing on trying to do it perfectly and instead focus on just showing up — even if it’s a simple 20-minute impromptu breakfast together. Kaitlynn took this photo on the plane! We spent one Sunday afternoon hiking at Evins Mill. We had the entire waterfall to ourselves. It was SO beautiful! I got a GREAT deal on toilet paper — that a bunch of you ended up getting, too! I loved getting to sit down with Rebekah Lyons and record a podcast episode on The 4 Rhythms You Need in Your Life. And on the same day, I also got to record a podcast episode with Kristin Maher on Helping Our Kids Overcome Shame. At Home was running some great deals on rugs and we finally got a rug for our library! Silas started flag football! All in all, it was a good month! How was your August? Any highlights? [...]
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Survey: Lack of Financial Literacy Means Lower Incomes, Less Savings

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Survey: Lack of Financial Literacy Means Lower Incomes, Less Savings
Almost one quarter of Americans have no savings and even more — 40% — don’t keep a budget. One driving factor: a lack of financial literacy in the U.S., according to a survey by The Penny Hoarder. The problem, say experts from government organizations, advocacy groups and academia, comes from a lack of education on personal finance topics, beginning at home and continuing in school. “Parents will sooner talk about sex, drugs and alcohol than they would about money,” said Rob  Sansome, director of strategic initiatives at the Florida Prosperity Partnership, which partners with local organizations and agencies to promote economic stability. The survey also found that one-third of Americans while growing up did not discuss basic personal finance topics, such as credit scores, debt, being a smart shopper or opening a basic savings account. Only 13% of those surveyed talked about their own family’s financial situation. It’s like teaching a kid how to ride a bicycle. We didn’t get them a book on balance and motion, we put their butts on a bicycle and let them scrape their knees a little bit. The April 2019 survey of more than 1,500 adults underlines just how much early financial education impacts financial health in adulthood: 17% of those who discussed finances growing up have no savings at all. That figure balloons to 40% among those who had no early financial literacy. 18% of those who talked about money management at home report household income of less than $50,000. But for those who didn’t talk about money, almost a third — 31% — earn less than $50,000.  Here are some other survey highlights: 13% of those surveyed talked about their family’s finances while growing up. Only 20% of Americans learned about the importance of credit scores. 40% of Americans do not maintain a budget. 23% of Americans have no savings; 40% of Americans have less than $1,000 in savings. So how did we get here? Financial Literacy Gap Widens Across Generations Teaching basic financial concepts to children leads to better money outcomes when they grow up. It’s a point experts can’t emphasize enough, but it’s easier said than done. Embarrassment is one of the main reasons parents struggle instilling financial literacy in their children. They might be embarrassed about their own finances and even bringing up the topic brings on pangs of regret. “I can’t tell my child not to go into debt without cursing myself because I’m in debt,” Sansome said. “It all comes together in this quiet, creeping lack of knowledge.” Another factor driving financial illiteracy, Sansome said, is our culture’s obsession with tackling debt versus saving in the first place. For example, if you turn on the TV you’re far more likely to be hit with a barrage of advertisements for loan refinancing services rather than budgeting apps. “I call it the Smokey Bear concept,” said Bill Mills, president and CEO of the Florida Prosperity Partnership. “We need to have a national campaign on the good of saving and not have it be perceived as spending’s stinky brother.” Further compounding the problem with saving, those who didn’t discuss personal finance topics while growing up are more likely to fall within a low-income stratum, according to The Penny Hoarder survey and an analysis of data Consumer Financial Protection Bureau. Our survey found that nearly one-third of Americans who didn’t talk money management as children report household income of less than $50,000. That and other factors can lead some parents to question their own financial knowhow and whether they’re qualified to be passing on information to their kids, said DeAndrew Geels, a senior who works as a financial adviser at Texas Tech’s Red to Black financial literacy program. “Money is such a taboo topic,” he said. “It’s something you don’t really like to talk about, and that can be pretty harmful for everyone.” For one, it’s a factor driving the rise in student loan debt, which has soared past $1.5 trillion this year. Many parents and students don’t take the time to understand the Free Application for Federal Student Aid, or FAFSA. The form determines whether a prospective student is eligible for financial aid.  Students or parents who miss FAFSA or other deadlines for financial aid awards leave free money on the table — and end up taking on debt to fill the void, said Erin Dunn, associate director of financial aid at the University of South Florida St. Petersburg. “Students were coming in the door without ever being exposed to financial concepts, and it was a much bigger conversation than financial aid,” she said. The repercussions stretch into the retirement years. In 2000, 12% of Americans over the age of 64 — about 4.1 million workers — were in the labor force, according to data from the U.S. Bureau of Labor Statistics. That number increased to  20%, or roughly 10.6 million people, this year. “People are very concerned about not having enough money for retirement and many people don’t,” said Helen Colby, assistant professor of marketing at Indiana University, who studies consumer financial decision making. FROM THE ANNOUNCEMENTS FORUM Some bittersweet news! 9/19/19 @ 11:42 PM This week in... The Penny Hoarder Community! 7/30/19 @ 3:26 PM This week in... The Penny Hoarder Community! 8/6/19 @ 2:47 PM New announcement: We've introduced a few new threads! 1/23/19 @ 5:32 PM See more in Announcements or ask a money question Financial Literacy Programs Can Help Break the Cycle There are hundreds of financial literacy programs run by nonprofit and educational groups throughout the country that are based on the FDIC’s MoneySmart program. The federal agency offers a guided online course that ends with a nifty certification.  In the 15 board game-style modules, the FDIC covers everything from making sure you get the best deal on a credit card to identity theft. And you can even order a physical copy for free. For those who aren’t into playing games, the Consumer Financial Protection Bureau broadcasts free monthly webinars on personal finance topics. The agency also has a database of answers to questions its experts have been asked over the year, and you can ask your own if you don’t find what you’re looking for. Pro Tip When crafting a monthly budget, be as specific as possible. You’ll be surprised at how much more you spend than you think. Every cup of coffee counts. The Penny Hoarder Academy offers simple, easily digestible information on budgeting, credit scores, groceries and even homebuying if you’re that far along on your financial journey. College students who want to get out ahead of looming debt have some options right on campus. Dunn, from USF St. Pete’s financial aid office, recently launched AFLOAT, a campus financial advising program that has attracted freshmen interested in budgeting, juniors and seniors interested in learning about student loan payment options and post-graduates hoping to catch up on personal finance topics. Dozens of colleges have programs like USF’s AFLOAT and Texas Tech’s Red to Black available free to students. For many students, college is the first time they’re de [...]
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Michael’s: Free Clay Pot Scarecrow Event on September 28th

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Michael’s: Free Clay Pot Scarecrow Event on September 28th
Looking for something fun to do this weekend? Head to Michael’s for this free event. Stop by any Michael’s stores from 11 a.m. to 2 p.m. on September 28, 2019 to make clay pot scarecrows for free! All the supplies will be provided. No registration required. Click here to find a location near you. Thanks, Freebies4Mom! [...]
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10 Colleges That Offer Free Tuition for Seniors

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10 Colleges That Offer Free Tuition for Seniors
Monkey Business Images / Shutterstock.com Seniors enjoy discounts for just about everything. Did you know that can even include the cost of higher education? Some schools think it’s a smart idea. Whether through a state-supported program or school-based initiatives, there are plenty of opportunities to learn — and earn credit toward a degree — without the burden of crippling... [...]
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AmEx Announces Additions and Cuts to Side Perks in 2020

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AmEx Announces Additions and Cuts to Side Perks in 2020
American Express is making adjustments to secondary benefits across its portfolio of cards as of Jan. 1, 2020, adding new perks, tweaking others and eliminating some entirely. “This is part of our effort to offer our card members the benefits they value most,” an AmEx spokesperson said in a statement to NerdWallet. Although you shouldn’t choose a credit card... Robin Saks Frankel is a writer at NerdWallet. Email: rfrankel@nerdwallet.com. Twitter: @robinsaks. The article AmEx Announces Additions and Cuts to Side Perks in 2020 originally appeared on NerdWallet. [...]
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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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FDIC Proposes Amendments to Prudential Regulator Swap Margin Rules

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FDIC Proposes Amendments to Prudential Regulator Swap Margin Rules
On September 17, the directors of the Federal Deposit Insurance Corporation (FDIC) approved a joint notice of proposed rulemaking (NPR) with respect to the prudential regulator margin rules for non-cleared swaps. The joint form of the NPR indicates that the other prudential swap regulators (the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Farm Credit Administration and the Federal Housing Finance Agency) will all be approving the same NPR in the near future. The proposed rulemaking will make the following amendments to the prudential regulator swap margin rules: Add the additional phase-in year for initial margin (IM) that was recommended in July by The Basel Committee on Banking Supervision and the International Organization of Securities Commissions, so the initial margin phase-in threshold for 2020 will be $50 billion. Repeal the requirement that a swap dealer must collect initial margin from its affiliates. Permit swap dealers to postpone documentation with a financial counterparty until such time as initial margin or variation margin is actually required to be collected or posted. Allow parties to amend swaps executed before the compliance date of the margin rules without having the amended swap become subject to the margin rules if the reason for the amendment relates to (a) benchmark replacement; (b) portfolio compression; or (c) the reduction of the notional amount due to a novation. A 30-day comment period will be open following publication in the Federal Register. This approval strongly suggests that the CFTC and the SEC will be making similar changes to their respective swap margin rules. The text of the NPR is available here. An FDIC Fact Sheet concerning the NPR is available here. FDIC Director Gruenberg dissented from the approval, which is available here. [...]
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Overwhelmed by Student Loans? Find Some Relief With Debt Forgiveness

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Overwhelmed by Student Loans? Find Some Relief With Debt Forgiveness
Ever wonder what life would be like if you could make your student loans disappear? It’s possible, but it isn’t magic.  Or immediate. Or easy. Or likely. (Sorry.) But considering the mounting pile of outstanding student debt in U.S. — at $1.5 trillion, student loans were the largest non-mortgage source of household debt in 2018 — we should at least consider every option for wiping it out, right? If your student loans have become more than you can handle, seeking forgiveness or discharge of your debt could be an option. Check out this Penny Hoarder guide to student loan forgiveness so you’ll know all your options. Understanding Student Loan Forgiveness, Cancelation and Discharge Before we dig into individual programs, let’s cover the ground rules. First, a word about words: Forgiveness, discharge and cancellation essentially mean the same thing when you’re thinking about your student debt — they mean you no longer have to pay the remaining balance on your loan — but the terms are usually applied in different circumstances: Forgiveness is usually used in cases where you qualify because of your job or employer.  Discharge typically refers to other reasons for not paying the debt, such as your financial situation.  Cancellation is a more general term that often covers both. All of the programs covered here are only available for federal student loans, not private student loans. And depending on the program, there are requirements for which types of federal loans qualify. Additionally, these programs typically take years to qualify for — sometimes as much as 25 years. There’s one exception to this rule, but it’s probably the least desirable way for getting rid of your debt. (Spoiler alert: It’s death.) Many of the options depend on your job. If you work in public service or choose a specific profession, you can receive forgiveness for a loan after a specified amount of time, during which you must document your employment. If you don’t have a job through which you can receive loan forgiveness, your other choices for forgiveness or discharge become limited to income-driven options or extreme circumstances, like becoming permanently disabled or your school closing. Additionally, although you might celebrate wiping out your student loans, understand that you might be trading your student loan debt for a big tax bill, depending on the program.  Pro Tip If you borrowed before July of 2010, you’ll need to consolidate your loans to qualify Public Service Loan Forgiveness and some income-driven repayment plans. In general, if your loan is wiped out because you worked in public service, you won’t owe federal taxes. And if you die or are permanently disabled, you don’t owe taxes on the forgiven amount (and neither do your survivors). Pretty much everyone else can expect to get a bill from Uncle Sam. But even if your forgiveness isn’t subject to federal taxes, you could still be on the hook at the state level, so find out beforehand whether you’ll be liable for taxes and plan accordingly. We’ve broken down the programs by work and non-work qualifications. We’ve also included “scam alerts” throughout since, unfortunately, there are plenty of unscrupulous individuals and companies out there who prey on the unsuspecting and often desperate people overwhelmed by student loan debt.  With that in mind, let’s dive in. Student Loan Forgiveness Based on Your Job If you’re committed to a life of helping others, whether it’s by working for the government or a non-profit or by choosing a public service profession, you could qualify for student loan forgiveness. This is not a commitment to be taken lightly, as it means you’ll have to ensure that your loans qualify, stay current on your payments throughout the process and stick with a job that qualifies for forgiveness.  And while you may graduate ready to give back through a career in public service, a lot can change over those qualifying years — whether it’s adding family responsibilities to the mix or simply realizing you don’t like your job. Pro Tip Scam alert! It’s illegal for anyone — including companies that offer to “help” you repay your student loans — to ask for your federal student aid user name and id. Never give that info out. “There is danger and risk with that because you don’t know what is necessarily going to occur,” said Melinda Opperman, executive vice president at Credit.org. “What if you change professions halfway through and you don’t do the whole 10 years? Circumstances change.” If you do change your mind and switch to a non-qualifying job, you’ll be responsible for paying the remaining amount you owe. Public Service Loan Forgiveness The Public Service Loan Forgiveness program is probably the most well known, but for all the wrong reasons. Out of the approximately 76,000 PSLF applications that were processed by March 2019, 518 applications were approved. For those who didn’t major in math, that’s less than 1%.  And the program that was supposed to fix the problem — Temporary Expanded Public Service Loan Forgiveness (TEPSLF)? Yeah, it turns out the acceptance rate for that one nearly matches the original. Pro Tip Scam alert! When it comes to federal student loan repayment applications, there’s nothing a company can do for you that you can’t do for free on your own. But if you have your heart set on serving the public at a government or non-profit entity and are facing a mountain of student loans, then the Public Service Loan Forgiveness (PSLF) program may be the way to wipe out your debt. Be prepared for a long wait — it takes a minimum of 10 years to qualify — and to follow a lot of rules in regards to your loan and employment eligibility. To help you navigate the process, check out these seven essential questions to ask about Public Service Loan Forgiveness. Teacher Student Loan Forgiveness No one goes into teaching for the money. But when student loans leave you thousands of dollars in debt, scraping out the payments on a teacher’s salary can be downright overwhelming. Fortunately, there’s a specific Teacher Student Loan Forgiveness program for those who work in underserved communities and/or subject areas.  Forgiveness will be dependent upon where you teach, what you teach and how long you teach, and the maximum amount you can receive is $17,500. But you can discover additional options for graduating from student debt with these teacher student loan forgiveness programs. Nursing Student Loan Forgiveness Medical debt can be an additional burden for students, so nursing student loan forgiveness offer some help with the debt.  In addition to a couple of specific loan-forgiveness programs for nurses, you can also find debt relief through programs at some hospitals. Eligibility requirements can include holding an advanced degree, having a specific loan type or working in a specialized department.  Other medical professionals, including doctors, can find student loan relief at the national and local level through the Association of American Medical Colleges. Perkins Loan Forgiveness The Perkins loan program program ended on Sept. 30, 2017, but you’re still on the hook for paying off any of the Perkins loans you took out. That said, if you work in public service — including teaching, law enforcement and the military — you could qualify for a partial or total discharge of your Perkins loan.   Depending on your career, you could receive 100% loan cancellation for five years of service, which is distributed in annual increments. FROM THE DEBT FORUM Student loans!! 8/9/19 @ 1:07 PM J My debt 9/23/19 @ 12:05 PM [...]
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7 Books I Read in August (+ my really honest reviews)

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7 Books I Read in August (+ my really honest reviews)
Want to know what books I finished in August? In 2019, I’m sharing the books I read each month and what my honest thoughts were on those books. If you love books, you don’t want to miss this post! (You can see all of my book reviews for this year here.) I set a goal to finish 80 books in 2019 and a second goal that 40 of those books will be books I already own. (You can see which books I picked to read from those I already own here). By the way, I’m truly loving using GoodReads to track my reading. You all were right! It is really motivational to see my progress! And I’ve been ahead on my goal for the last month! I finished 7 books in August —- yay! Here’s what I read + my honest thoughts on each of the books: Killing Reagan I didn’t enjoy this one as much as I enjoyed Killing Lincoln and Killing Kennedy. Honestly, I was expecting for there to be a lot more in the book about the assassination attempt. As it was, it felt like that was a very small part of the story and the bulk of the book was devoted to Reagan’s earlier years. That said, I did find it fascinating to hear that there is belief that the assassination attempt contributed to Reagan’s Alzheimer’s disease and that his Alzheimer’s disease was already beginning to show up during his presidency. I had not heard either theory before and found that part of the book very interesting and intriguing. Verdict: 3 stars Rhythms of Renewal I loved this book enough to ask Rebekah Lyons (the author) to join me on a podcast episode! (Listen to that episode here.) In this book, she shares 4 rhythms she believes everyone should prioritize in their life, why they should prioritize them, and practical ways to make them a reality. In a world where “hustle harder” can often seem the over-arching message, this book is a welcome message to make time for play, rest, creativity, savoring, and more. Verdict: 4 stars The Healing Compass This book was sent to me by its author and she had kindly mentioned my courses, Make Over Your Mornings and Make Over Your Evenings in it. While it had a lot of good suggestions and ideas, I didn’t find a lot in it that was new to me — maybe because I’ve read a lot of similar books in the past?? 🙂 If you are someone who feels overwhelmed with life or is struggling through a health crisis, though, I feel like there could be some helpful and encouraging information in it. The author’s story is moving and she definitely has lived out what she encourages in the book! Verdict: 2 stars The Terminal List If you listen to our podcast, you know that Jesse loved this book and encouraged me to read it. I found that I could download it for free on Libby so decided to try it out. Let’s just say, Jesse’s taste in books and my taste in books are VERY different, I quickly discovered. This is a thriller, supposedly, but to me it seemed more like a “Let’s kill as many people as possible all while using a lot of bad words” book. Which is not really my type of book, ahem. But hey, I read it. I finished it. And I survived. And now I know that when Jesse recommends a book, it’s probably safe to say I can steer clear of it. 😉 Verdict: 2 stars The Ministry of Ordinary Places I truly loved this book. I shared this quote from the book and posted this on Instagram: It’s easy to talk about ideas. It doesn’t take a lot of work to criticize systems. It’s pretty simple to point fingers. It’s a lot harder to get in the game and do something to actually make a difference… but that’s what’s going to change our world. Smile at that person. Befriend the neighbor who is struggling. Show up for someone who is lonely. Lean in and love those who are hard to love. Choose kindness instead of condemnation. Don’t stay where it’s safe and comfortable. Step out and offer a hand. Open your door and your heart. Listen more than you talk. Don’t just surround yourself with people who are similar to you or who believe exactly what you do or who think just like you do. Love and befriend those who come from very different backgrounds, beliefs, and political parties. If you’re anything like me, you’ll discover you have a whole lot to learn from them! Instead of giving out lofty-sounding solutions, let’s go start being the solution — one person at a time. Let’s be hope-givers with mud on our shoes. Verdict: 4 stars Paris Letters I had big hopes for this book. What’s not to love about a book set in Paris with the subtitle, “One woman’s journey from the fast lane to a slow stroll in Paris.” And while there were a few parts of the book that I thought were insightful, most of it fell flat for me. Verdict: 2 stars The Four Tendencies I’d wanted to read this for a long time, so when it came available to download for free on Libby, you better believe I downloaded it. It was very thought-provoking in parts and I had fun trying to figure out which tendency I am. I went into it thinking I was a questioner, but of course I had to question that for the entire book… because, hello, I’m a questioner! 😉 I did feel like some parts were redundant and that I would prefer to read this book over listening to it because I think I’d get more out of it by reading it (I’m more of a visual learner). But I do feel like it was valuable to listen to and I’d like to go back and read it in the future. Verdict: 3 stars What have you been reading recently? Any books you think I really need to read soon? I’d love to know! [...]
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How to Maximize Your Southwest Card Sign-up Bonus

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How to Maximize Your Southwest Card Sign-up Bonus
The sign-up bonus on all three co-branded personal Southwest credit cards just increased. If you’ve been looking to give your Rapid Rewards account a boost, this is a great time to apply for one of these cards. Once you do, you’ll want to maximize not only the sign-up bonus, but also the various features associated... Ariana Arghandewal is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How to Maximize Your Southwest Card Sign-up Bonus originally appeared on NerdWallet. [...]
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Afternoon Deals: Sunday, September 22

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Afternoon Deals: Sunday, September 22
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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Your Guide to Allegiant Air’s Award Chart

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Your Guide to Allegiant Air’s Award Chart
Allegiant Air is unique when it comes to earning and redeeming miles. Specifically, you can’t accrue miles by flying, and there’s only one way to rack up points for reward travel: the Allegiant World Mastercard® credit card. So how are you supposed to navigate their system and use it to your advantage? We’ll break it... Alisha McDarris is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Your Guide to Allegiant Air’s Award Chart originally appeared on NerdWallet. [...]
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My Little Pony Equestria Girls DJ PON-3 Doll With Markers and Microphone

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My Little Pony Equestria Girls DJ PON-3 Doll With Markers and Microphone
If you have a little one that loves My Little Pony Equestria Girls, this would be a great deal to snag! You can get the My Little Pony Equestria Girls DJ PON-3 Doll With Markers and Microphone for only $9.98 right now! You will be saving 55% on this purchase because it usually is $21.99! ... Read More about My Little Pony Equestria Girls DJ PON-3 Doll With Markers and Microphone The post My Little Pony Equestria Girls DJ PON-3 Doll With Markers and Microphone appeared first on Penny Pinchin' Mom. [...]
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This crazy journey I’ve been on the last 14 years (and yes, you CAN make money blogging!)

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This crazy journey I’ve been on the last 14 years (and yes, you CAN make money blogging!)
Yes, you can make money from blogging! In this post, I share my story — and I tell you how you, too, can start making money from blogging! How I Started to Make Money Blogging In 2005, I started this thing called a “blog” — something that most people in my circle of friends and family had never heard of before. I didn’t have a clue what I was doing, but I had a big dream: I wanted to find a way to earn enough money from home so I can supplement our meager income to allow me to be able to stay home with our baby girl, Kathrynne. In addition to my big dream, I also had perseverance — something I was going to need in big supply over the next few years. I was very, very determined and that determination drove me not to give up even during the many, many times when I wanted to. That little blog had a few readers. Then a few dozen. I kept blogging, kept commenting on other blogs, kept writing articles for other sites and linking to that blog, and kept networking with other online entrepreneurs. Over the course of many months, that little blog grew a tiny bit and then a tiny bit more. Pretty soon, I woke up one day and realized that I had a few hundred readers. That idea just blew my mind. {My first official professionally done website header — added when I switched from Blogspot to Typepad.} The Income Began With a Little Trickle I started watching what other successful people were doing, read books and blog posts on monetizing a blog, and jumped out and experimented with a number of things. Pretty soon, there was a little trickle of income coming in from that blog. When I say “trickle”, I truly mean it. It started with $10 per month, then $20 per month, then $50 per month. If you would have divided my blogging income by the hours invested in blogging, I was probably making what would amount to a few nickels per hour. However, I was learning, the blog was slowly growing, and I was truly enjoying the process of writing and interacting on a blog. Speaking at my first blogging conference — I was a scared, insecure mess inside and I can see it written all over my face in this picture. Starting to See the Potential to Make Money Blogging As time marched on and I kept plugging away, I found other creative ways to make money blogging — like selling ebooks and then an online course on cutting your grocery bill. I went from making $50 a month to a few hundred dollars per month. I started to see the potential. And I began to believe that it truly would be possible to earn a part-time income from blogging someday. My husband and I began talking about adding a niche blog dedicated to frugal living. There was a lot of interest in the topic, it was something I was passionate about and experienced in, and I was pretty sure I could do some specific things to monetize a frugal living blog that I couldn’t do on the blog I currently had. My second blogging conference — I was still nervous and scared, but I felt more myself and more whole and I can see it in my face here. How MoneySavingMom.com Began It took about a year from the time the initial idea was birthed to when the final product, MoneySavingMom.com actually happened. But in the fall of 2007, I announced the launch of MoneySavingMom.com on the other blog I had. I still remember the post where I let the world know MoneySavingMom.com was official. I said that I was probably going to blog on MoneySavingMom.com “about 3 times per week”. {Yes, 3 times per week. That still cracks me up!} The first version of MoneySavingMom.com was on Blogspot. It was an all white background with capital letters at the top of the page that said MONEY SAVING MOM. {Clearly, I was very into bells and whistles. ;)} I had spent $10 to buy the website URL and that was all I could afford. Later, I paid $25 to have the teen daughter of a mom I knew design a header for me. But those were the very humble beginnings of something that I could have never imagined… My first radio interview — again, this was a completely unnerving experience for shy me. I felt like just going back to my hotel room and crying when it was over because I was sure I had totally bombed it. Rapid Growth Beyond What I Could Imagine Since I’d already put in countless hours to build an online platform over the two previous years, knew how to run a blog, and had a pretty good grasp on what topics people were interested, jumping in with MoneySavingMom.com was much easier than it would have been had I been starting from scratch. I also was at the right place, at the right time, because the economy was beginning to tank, coupons were becoming popular, and the media started to do a lot of coverage of money-saving ideas and frugal living topics. My initial readers told their friends who told their friends, people found me from random searches and stuck around, and within a few months, MoneySavingMom.com had grown to 14,000 to 16,000 pageviews per day. It. was. mind-blowing! I didn’t really know what to do, but I knew that I needed to continue to produce good content and continue to do all I could to help people save money. I also continued to learn all I could about win-win ways to make money blogging. My first book: basically an exercise in how to do everything wrong! I learned so much, and wished I could have done it all over again because there would be so much I would change! Fulfilling My Dream — and Making So Many Mistakes Within a few months, I was making $800 to $1200 from MoneySavingMom.com. And the income just kept increasing. By the end of the first year, I was making the equivalent of a full-time income from blogging. All of a sudden, I woke up and realized that not only was I living my dream, it was a LOT more work than I could have ever imagined — especially as the blog continued to grow! The past 14 years have been a journey… one riddled with many ups and downs. I’ve made many mistakes, let people down, and sometimes posted things before taking time to really think through what I’d written. Over the years, I’ve also been arrogant, said and written hurtful things, and taken on too much and stretched myself too thin. Many times, I’ve had my priorities out of whack and given my family the leftovers instead of my best. Through it all, I’ve grown, matured, been humbled, had to ask forgiveness, and learned a great deal about my own limits. I’ve gone from a very black and white person who thought she had everything figured out and thought she should share her very legalistic, dogmatic views with everyone, to discovering this beautiful thing called “grace” and realizing that there are very few hills worth dying on. My first TV interview — I was a complete nervous wreck. Literally shaking from head to toe! I’ve grown up a lot,  faced a lot of fears, and done things I never thought I was humanly capable of. In addition, I’ve confronted many of my long-held insecurities head on. And I’ve had many opportunities to work through my long-held tendencies to be a people-pleaser. Scared of the Scrutiny from Making Money Blogging You see, as the blog took off and became something more than a little mommy blog, I struggled a lot. Part of me was so excited about the growth and the possibilities. The other part of me wanted nothing more than to just run away from it all and go back to being a stay-at-home mom. As a normally private person, I hated having my life scrutinized by people I didn’t know. I was scared to come out and talk much about the business side of my life — the meetings, the responsibilities, the opportunities — because I knew some people wouldn’t be happy and would criticize the fact that I was making a good income, was running a thriving business, and was no longer just the frugal stay-at-home mom blogger struggling to make ends meet that I had b [...]
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This City Is Best All-Around for Retirees in 2019

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This City Is Best All-Around for Retirees in 2019
Chances are good that — at least once or twice, when the boss wasn’t looking — you’ve had a daydream about the right place to retire. If these musings include visions of mouse ears, you are on the right path, according to WalletHub’s 2019 ranking of the best and worst U.S. cities in which to retire. Orlando, Florida — home to Walt Disney World &#8212. [...]
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SEC Issues Security-Based Swap Recordkeeping and Reporting Rules

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SEC Issues Security-Based Swap Recordkeeping and Reporting Rules
On September 19, the Securities and Exchange Commission adopted a package of new final rules and rule amendments dealing with recordkeeping and reporting requirements for security-based swap dealers (SBS dealers). In general, the SEC is requiring SBS dealers to create and maintain records with respect to security based-swaps in a manner consistent with current recordkeeping and record retention rules that apply to broker-dealers. The SEC is, however, providing alternate compliance mechanisms that will allow an SBS dealer that also is a swap dealer but is not a broker-dealer to comply with Commodity Futures Trading Commission (CFTC) rules instead and will allow a non-US SBS dealer to request permission to comply with its home country rules. The new rules go into effect 60 days after they are published in the Federal Register, but the related compliance date will be 18 months after the effective date of future final SEC rules addressing the cross-border application of security-based swap requirements, which is the last of the SBS rules the SEC needs to adopt to complete their Dodd–Frank Wall Street Reform and Consumer Protection Act swap rulemaking obligations. The text of the new rules are available here. An SEC Press Release and Fact Sheet concerning the new rules are available here. [...]
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Your Guide to JetBlue’s (Lack of) Award Chart

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Your Guide to JetBlue’s (Lack of) Award Chart
As many airlines have done recently, JetBlue has long ditched the concept of a set award chart in favor of dynamic award pricing. In short, the cheaper a flight is in cash, the fewer points you’ll need to redeem it. That can end up being a good or bad thing, depending on how you typically travel.... Alisha McDarris is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Your Guide to JetBlue’s (Lack of) Award Chart originally appeared on NerdWallet. [...]
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My Little Pony: The Movie My Magical Princess Twilight Sparkle

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My Little Pony: The Movie My Magical Princess Twilight Sparkle
If you have a My Little Pony fan to shop for, this would be a great deal to grab now and use as a gift idea later during the year! You can get the My Little Pony: The Movie My Magical Princess Twilight Sparkle for only $69.99 right now! You will be saving 46% on ... Read More about My Little Pony: The Movie My Magical Princess Twilight Sparkle The post My Little Pony: The Movie My Magical Princess Twilight Sparkle appeared first on Penny Pinchin' Mom. [...]
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How to Buy a House Without Help From Your Family

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How to Buy a House Without Help From Your Family
On the highway to homeownership, coming up with a sufficient down payment continues to be one of the biggest roadblocks. In fact, many prospective home buyers, particularly first-timers, find it hard to overcome this challenge without the kindness of loved ones. Among recent home buyers age 28 and younger (who are more likely to be... Beth Buczynski is a writer at NerdWallet. Email: bbuczynski@nerdwallet.com. Twitter: @bethbuczynski. The article How to Buy a House Without Help From Your Family originally appeared on NerdWallet. [...]
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How to Make Your First $100 From Blogging {free class}

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How to Make Your First $100 From Blogging {free class}
Are you a new blogger or a longtime blogger who still hasn’t figured out how to really make money from blogging? You don’t want to miss my new brand-new class on How to Make Your First $100 From Blogging. Best of all, it’s FREE! In this free class, you’ll learn: 5 tried and true ways YOU can make money from your blog today The #1 mistake most bloggers make that keeps them from earning an income My secrets for building a 7-figure blog on a shoestring budget Plus, you’ll have the opportunity to ask me your burning questions about monetizing a blog Go here to sign up for one of the two times I’m teaching it on Saturday or the one time I’m teaching it on Monday. The class will be about 50 minutes long and then I’ll allow 30 minutes extra at the end to answer your questions live. By the way, on these classes, I’ll also be unveiling my brand-new course, Monetize Your Blog: A Beginner’s Guide to a Profitable Blog. You’ll be one of the first ones to have the opportunity to sign up for it! P.S. If you can’t make it to the live class, still go ahead and sign up because I’ll be sending you a replay of the class once it’s finished. [...]
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Over 50? The CDC Says You Need These 4 Vaccines

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Over 50? The CDC Says You Need These 4 Vaccines
With summer fun now behind us, it’s time to prepare for a long fall and winter. So, if you are 50 or older, consider scheduling vaccinations that can keep you healthy — and even save your life. The aging process weakens our immune systems, putting us at greater risk for several types of disease, according to the U.S. Centers for Disease Control and Prevention. For this reason... [...]
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Cents of Style: Be Series Graphic Tees for just $16.95 shipped!

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Cents of Style: Be Series Graphic Tees for just $16.95 shipped!
This post may contain affiliate links. Read my disclosure policy here. These Be Series Graphic Tees are SO cute! Cents of Style has their brand new Be Series Tees on sale for $16.95 shipped when you use coupon code BEGRAPHICS at checkout. There are five different phrases to choose from: be free, be happy, be you, be kind, and be fearless! Go here to get your Be Series Graphic Tee for $16.95 shipped. Valid through September 20, 2019. [...]
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Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020

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Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020
A sweet points offer for staying at Courtyard by Marriott properties is bringing a new opportunity for Marriott Bonvoy members to boost their earnings. Members of the Marriott Bonvoy loyalty program can earn 2,000 bonus points per night for stays at Courtyard by Marriott hotels. What’s unique about this promotion is that there’s no limit... Randy Diamond is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020 originally appeared on NerdWallet. [...]
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Subscribe by 30 September 2019 and get a 50% discount off your first year fee

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Subscribe by 30 September 2019 and get a 50% discount off your first year fee
Purchase a subscription by 30 September and pay just US$71.50 for the first year, which enables you to: – Read our latest daily insights – Read our archives of over 1,000 articles – Comment on our posts – Participate in our industry forum Use Coupon Code: Introductory-Offer on our Subscription page. The post Subscribe by 30 September 2019 and get a 50% discount off your first year fee appeared first on Daily Fintech. [...]
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How to Save Money on Healthcare Needs For Your Family

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How to Save Money on Healthcare Needs For Your Family
If you ask many Americans, one thing that they need to save money on it is healthcare.  With the rising costs of both insurance and medical bills, it certainly can keep you up at night. You need healthcare coverage.  That is especially true if you have children.  They are good at getting sick and injured, ... Read More about How to Save Money on Healthcare Needs For Your Family The post How to Save Money on Healthcare Needs For Your Family appeared first on Penny Pinchin' Mom. [...]
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7 Unexpected Perks of Downsizing as a Retiree

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7 Unexpected Perks of Downsizing as a Retiree
When you were young, chances are you dreamed of owning a large home with all the bells and whistles. But as life marches on, it’s not unusual to have more modest goals, including visions of a smaller home that better suits your needs. You may decide to downsize before retirement. Or, maybe you are just looking for a simpler lifestyle. Parents often find there’s less need to maintain... [...]
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SEC Staff Announces Changes to Rule 14a-8 No-Action Request Process

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

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Announcing Daily Fintech Conversations
Need to ‘voice’ and share your fintech insights with industry peers and experts? Look no further. Sign up to be part of Conversations today. Daily Fintech Conversations integrates our publishing and forum into a single platform. The purpose of both is to enable conversations that make good things happen. Most of us understand instinctively how to have […] The post Announcing Daily Fintech Conversations appeared first on Daily Fintech. [...]
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Discover Bank CD Rates: How They Compare

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Discover Bank CD Rates: How They Compare
+ See a summary of Discover Bank CD rates Discover Bank CD rates 2019 1-year: 2.40% APY 3-year: 2.45% APY 5-year: 2.50% APY 10-year: 2.60% APY Discover Bank’s CD rates are competitive with other online banks and are some of the highest you can find. The range of terms is extensive, from three months to 10... Spencer Tierney is a writer at NerdWallet. Email: spencer.tierney@nerdwallet.com. Twitter: @SpencerNerd. The article Discover Bank CD Rates: How They Compare originally appeared on NerdWallet. [...]
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5 Great Ways to Use the AmEx Business Platinum Welcome Offer

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5 Great Ways to Use the AmEx Business Platinum Welcome Offer
For a limited time, the The Business Platinum® Card from American Express has an increased welcome offer for new cardholders: Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Terms Apply. While... Caroline Lupini is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 5 Great Ways to Use the AmEx Business Platinum Welcome Offer originally appeared on NerdWallet. [...]
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Will SoftPoS be the new global payment mechanism?

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Will SoftPoS be the new global payment mechanism?
SoftPoS stands for Software Point of Sale. If you lived in parts of the world outside of the US, you would have come across contactless payments. It made the payment experience seamless and almost invisible to the customer. As a result, in the UK for instance, by Q4 2018, contactless payments took over chip and […] The post Will SoftPoS be the new global payment mechanism? appeared first on Daily Fintech. [...]
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Is Your Car Loan Upside-Down? How to Steer Back to Safety

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Is Your Car Loan Upside-Down? How to Steer Back to Safety
Without even knowing it, you may have put yourself in a financially precarious position: being upside-down on your car loan. Maybe you bought a new car without making a down payment. Or perhaps you opted for low, “easy” monthly payments by stretching your loan to 72 or even 84 months. However you got there, it’s... Philip Reed is a writer at NerdWallet. Email: preed@nerdwallet.com. Twitter: @AutoReed. The article Is Your Car Loan Upside-Down? How to Steer Back to Safety originally appeared on NerdWallet. [...]
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8 Ways to Snag Big Back-to-School Savings on Cellphones

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8 Ways to Snag Big Back-to-School Savings on Cellphones
This post comes from partner site WhistleOut.com. You don’t have to be a student to get in on great back-to-school cellphone savings. But you’ll need to act fast, because these amazing discounts won’t last long. By taking advantage of a buy one, get one free sale, you can potentially cut costs in half when purchasing a phone for yourself and the student in your life (or anyone... [...]
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15 Ways to Eat Out on the Cheap

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15 Ways to Eat Out on the Cheap
Want some tips on how to eat out on the cheap? Here are 15 tried and true ideas to help you enjoy restaurant food — on a budget. How to Eat Out on the Cheap Love eating out? Don’t love how much it can cost? Here are 15 ideas to save money on eating out:a 1. Go out to lunch instead of dinner. 2. Always use restaurant coupons. 3. Order water instead of beverages that cost. 4. Split an entree with someone else when possible. 5. Sign up for Birthday Freebies and use those when you eat out. 6. Go out for dessert instead of a full meal. 7. Use restaurant gift cards that you bought discounted. 8. Sign up for restaurant apps and email lists to be notified of great coupons and specials — or even freebies! 9. Earn free restaurant gift cards from Shopkick, Fetch, and Swagbucks. 10. Go on Kids’ Eat Free nights. 11. Eat a snack before you leave the house so you’re not as hungry. 12. Don’t order appetizers or desserts. 13. Eat out at Costco or IKEA instead of a restaurant. 14. Apply to be a mystery shopper and you could get paid to eat out! (I have done this many times in the past!) 15. Go to a fast food restaurant with a dollar menu and let everyone choose 1-3 items off the dollar menu! What are your favorite tips for saving money on eating out? Share them in the comments! P.S. For more ideas, check out this post on How to Save Money on Eating Out. [...]
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InsurTech efforts and the customer- who is being served with tech?

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InsurTech efforts and the customer- who is being served with tech?
image The customer- easily overlooked on innovation’s path, and the continuous need for insurance companies to keep the customer as the ultimate focus of any innovation efforts. It’s a good week to revisit a favorite topic of mine; after presenting sessions on mobile claim applications to adjusters at the Property and Liability Research Bureau’s regional […] The post InsurTech efforts and the customer- who is being served with tech? appeared first on Daily Fintech. [...]
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How This Couple Paid off $20K in Credit Card Debt — Making Less Than $70K/Year

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How This Couple Paid off $20K in Credit Card Debt — Making Less Than $70K/Year