Health Industry Outlook 2019

Health Industry Outlook 2019

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Health Industry Outlook 2019
The post Health Industry Outlook 2019 appeared first on ONEtoONE Corporate Finance.
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CrowdStreet Review 2019: Pros, Cons and How It Compares

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CrowdStreet Review 2019: Pros, Cons and How It Compares
With its in-depth vetting of real estate developers and operators, CrowdStreet provides a convenient platform for accredited investors to add commercial real estate projects to their portfolio. But investors should do their own due diligence and be prepared to leave their money locked up for years at a time. NerdWallet is a free tool to... Andrea Coombes is a writer at NerdWallet. Email: acoombes@nerdwallet.com. Twitter: @andreacoombes. The article CrowdStreet Review 2019: Pros, Cons and How It Compares originally appeared on NerdWallet. [...]
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The selling process of a company

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The selling process of a company
The post The selling process of a company appeared first on ONEtoONE Corporate Finance. [...]
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How to Get a Health Professions Student Loan

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How to Get a Health Professions Student Loan
A health professions student loan is a government loan for students at participating schools who demonstrate financial need. There are four kinds of health profession loans: Health Professions Student Loans (HPSL). Loans for Disadvantaged Students (LDS). Primary Care Loans (PCL). Nursing School Loans (NSL). Before taking on any loans, make sure to exhaust free aid... Ryan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. The article How to Get a Health Professions Student Loan originally appeared on NerdWallet. [...]
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Top 7 Global Fintech Trends 2019

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Top 7 Global Fintech Trends 2019
This is my third year at DailyFintech. Looking back, this year has been the most eventful year of the three, with several significant Fintech trends emerging across the world. Typically, I am not a big fan of the “Top” titled posts. But, I have had to use it, thanks to the events of 2019. A few […] The post Top 7 Global Fintech Trends 2019 appeared first on Daily Fintech. [...]
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The aeronautic industry in 2019

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The aeronautic industry in 2019
The post The aeronautic industry in 2019 appeared first on ONEtoONE Corporate Finance. [...]
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Xbox One X Black Friday 2019 Deals: Are They Worth It?

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Xbox One X Black Friday 2019 Deals: Are They Worth It?
NerdWallet is here to help you win Black Friday while leaving your budget intact. We spend the time, you save the money. Visit regularly for holiday tips and announcements about your favorite products. Black Friday is Nov. 29. Microsoft’s most advanced gaming system, the Xbox One X, joins rivals like the PS4 and Nintendo Switch... Lauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. The article Xbox One X Black Friday 2019 Deals: Are They Worth It? originally appeared on NerdWallet. [...]
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Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction

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Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction
   Daily Fintech, the analysis driven online publication, is announcing a team of global fintech leaders who will serve as on-going advisors on our editorial direction. The team is called the Deans List to reflect Daily Fintech’s focus on producing high-quality, insightful and independent fintech analysis that one associates with higher learning. The initial list […] The post Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction appeared first on Daily Fintech. [...]
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Veterans Day Freebies 2019

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Veterans Day Freebies 2019
If you’re a part of the military community, don’t miss out on all of these Veterans Day freebies you can score! {Check out this big list of FREEBIES you can also sign up for right now, plus be sure to check out our latest Restaurant Deals and Freebies!} Veterans Day Freebies 2019 Are you a veteran or know someone who is? Don’t miss all of these great Veterans Day freebies and deals that you can score on Monday, November 11th! Tall brewed coffee at Starbucks Entry to U.S. National Parks Chili’s meal California Pizza Kitchen entree Red, White, & Blue Pancakes at IHOP Applebee’s meal Breakfast at Pilot Flying J Dr. Pepper and entree at BJ’s Restaurant Double Chocolate Fudge Coca-Cola Cake dessert or Pumpkin Pie Latte at Cracker Barrel Military Appreciation Dinner at Golden Corral on Monday HOT-N-READY Lunch Combo at Little Caesars Pizza Donut and 12oz coffee at LaMar’s Donuts Coffee & donut at Price Chopper stores All You Care To Eat breakfast at Shoney’s Care care checks and tire installation at Goodyear Auto Service and Just Tire locations Great Clips haircut Sports Clips haircut Military ID is typically required for these Veterans Day Freebies. Valid only on November 11, 2019. Do you know of any other freebies we missed? Let us know in the comments! [...]
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Autoparts Industry Activity

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

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Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.
The post Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry. appeared first on ONEtoONE Corporate Finance. [...]
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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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Women’s Health Magazine Subscription Discount!

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Women’s Health Magazine Subscription Discount!
Snag a subscription to Women’s Health at the lowest price we’ve seen! WOMEN’S HEALTH SUBSCRIPTION DISCOUNT Now through 9/26/19, you can save 90% off your subscription of Women’s Health Magazine!  Enter the coupon code PENNYPINCH at checkout and you’ll pay just $4.95 per year! If you currently subscribe, go ahead and extend your subscription at this low ... Read More about Women’s Health Magazine Subscription Discount! The post Women’s Health Magazine Subscription Discount! appeared first on Penny Pinchin' Mom. [...]
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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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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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Good2Go Auto Insurance Review 2019

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Good2Go Auto Insurance Review 2019
NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lisa Green Specializes in selling minimum required car insurance.Focuses on high-risk drivers.Can help provide SR-22 forms for drivers who need one. Good2Go has... Lisa Green is a writer at NerdWallet. Email: lgreen@nerdwallet.com. Twitter: @lisaccgreen. The article Good2Go Auto Insurance Review 2019 originally appeared on NerdWallet. [...]
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Conventional Loan Requirements and Guidelines for 2019

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

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NJM Insurance Review 2019: Complaints, Ratings and Coverage
NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lisa Green 5.0 NerdWallet rating Places first out of 24 insurers for auto insurance in NerdWallet's rankings.Had far fewer than the median number... Lisa Green is a writer at NerdWallet. Email: lgreen@nerdwallet.com. Twitter: @lisaccgreen. The article NJM Insurance Review 2019: Complaints, Ratings and Coverage originally appeared on NerdWallet. [...]
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Root Insurance Review 2019: How It Works and Who It’s For

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Root Insurance Review 2019: How It Works and Who It’s For
NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover Root sets rates based primarily on your driving behavior.Root can provide an SR-22.Tech-savvy customers will like that you can do just... Lacie Glover is a writer at NerdWallet. Email: lacie@nerdwallet.com. The article Root Insurance Review 2019: How It Works and Who It’s For originally appeared on NerdWallet. [...]
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2019 Goals: July Update

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2019 Goals: July Update
Did you set goals for 2019? Here’s an update on how I did on my 2019 goals in June. It’s August 5, 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 July 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.) 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 July 2019: Personal Goals 1. Read 40 books I already own. (I’m using GoodReads to track my reading this year!) Update: I finished 6 books in July — and three of them were from my list of books I already own and wanted to read this year. Look for a Book Update in the next week! 2. Slowly read through the New Testament using the She Reads Truth Bible reading plans. Update: I finished 1 & 2 Thessalonians, 1 & 2 Timothy, Titus, Philemon, Hebrews, and James 3. Listen to 2 audiobooks per month. (I use the Libby app to get these for free.) Update: I finished to 3 audiobooks in July. 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: I have been keeping up with this. (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 did a pretty good job of this in July. 6. Leave my phone in the basement every night. (I talk more about what inspired me to make this goal here.) Update: So, honesty here: Ever since I took email off my phone at the beginning of May, I haven’t really felt such a need to not have my phone by my bed and I’ve sort of slipped out of this habit. But I want to get back to it and hope to start this in August. 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 did a much better job of this in July — yay! 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 July. 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 July. 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: I’m working on my next course, Monetize Your Blog, and it’s going to be a bigger/more comprehensive course than I’ve ever done but I’m continuing to make good progress. (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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Here’s How a Health Savings Account Can Help You Save on Health Care Costs

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Here’s How a Health Savings Account Can Help You Save on Health Care Costs
When signing up for health insurance through your job, you may have been given the option of opening an HSA, or health savings account.  An HSA isn’t like a regular savings account. For one thing, there are a bunch of rules around how you can contribute and spend the money. But it can be a very useful and convenient way to set aside money for medical expenses while potentially saving you hundreds or even thousands of dollars in the long run. Here, we’ll explain how HSAs work and how they can benefit you. What Is an HSA?  The first thing you should know about an HSA is that you need to have an HDHP in order to qualify for one.  An HDHP stands for a high deductible health plan. With high-deductible plans, you generally pay less in premiums but have to meet a high annual deductible before your plan pays.  A deductible is the money you pay out-of-pocket before your insurance kicks in and starts providing certain benefits. Your premium is the monthly fee you pay to get health coverage. You can’t open a health savings account with just any health plan with a high deductible. According to the IRS, the deductible has to be no less than $1,350 for an individual or $2,700 for a family to qualify as a high deductible health plan in 2019. Those deductibles can go as high as $13,500 for a family. In addition, you can’t be enrolled in Medicare, have other health coverage or be claimed as a dependent on someone else’s tax return in order to be eligible to open an HSA. But if you do meet all those criteria, you’re in. So what’s the big deal about having an HSA anyway? The Benefits of an HSA A health savings account allows you to save money for various medical expenses without being taxed on that money. Any savings you don’t spend in a current year rolls over to the following year, and the money in your HSA stays with you even if you switch insurance plans, change jobs or retire. If you have this benefit through your job, your employer can direct a portion of your paycheck to your health savings account before taxes are taken out. If you make contributions to your HSA with income that’s already been taxed, you can deduct that money when filing your income taxes. “The advantage of contributing through payroll is you save not just federal and state income taxes but you also save on FICA taxes,” said Paul Fronstin, director of the health research and education program at the Employee Benefit Research Institute. Acronym alert: FICA stands for the Federal Insurance Contribution Act. Your FICA taxes are what you pay to fund Medicaid and Social Security. You also aren’t taxed when you spend HSA dollars, provided you’re spending the money on qualified medical expenses. The IRS has an entire list of qualified expenses, which includes things like: Deductibles Copayments Prescriptions Dental care Eye glasses Chiropractic care Breastfeeding supplies  You’ll usually receive a debit card or checks to spend your HSA money, but in some cases, you’ll have to pay out of pocket and get reimbursed later. When you spend money from your HSA, make sure to save receipts, your explanation of benefits forms or other types of documentation.  “You don’t have to send any documentation to your HSA provider,” Fronstin said. “The IRS requires that you have documentation, and if you get audited, you’re going to need that documentation.” Another benefit of having a health savings account is that you don’t have to pay taxes for any earnings from your account. “If you open an HSA, the money goes into a bank, and it earns interest like a bank account,” Fronstin said. “The interest rates are not high, but once you have a certain amount of money in your account… your HSA provider will likely permit you to invest that money in mutual funds.” Besides all those tax benefits, another upside of an HSA is that your employer — and other individuals — are allowed to contribute to your account. Can you say free money? The IRS does cap how much can be contributed to an HSA in a given year, though. In 2019, you can contribute up to $3,500 for individuals or $7,000 for families. If you’re 55 or older, you can contribute an additional $1,000. FROM THE SAVE MONEY FORUM Best ways to save money in shopping 7/23/19 @ 1:09 PM Free Food Giveaways - Do you participate 7/20/19 @ 12:07 PM Traveling 1/26/19 @ 9:01 PM S Summer Is Here: Is Your Electric Bill Affected by Running the AC? 7/17/19 @ 4:08 PM See more in Save Money or ask a money question The Challenges With HSAs One thing to keep in mind when you have an HSA is that you may be charged a fee to maintain your account. Also, if you use the money for something that’s not a qualified expense and you’re younger than 65, you’ll be taxed on it plus you’ll be hit with a 20% penalty.  After you reach age 65, you can use your HSA savings for nonmedical expenses without incurring a penalty, but you’ll still be taxed for it. Other challenges exist — not with having a health savings plan directly, but with having a high deductible health plan. Deciding which health insurance is right for you and your family is a personal decision, Fronstin said, and opting into a high deductible health plan won’t be the right choice for everyone.  Some people aren’t able to pay for health costs out of pocket before meeting their deductible and having insurance benefits kick in — resulting in people forgoing medical care to save money. High deductible health plans have also been criticized as being more for young, healthy people who don’t need much medical care. Standard preventive care, like getting your annual checkup, is generally covered under a high deductible health plan without having to reach your deductible. But patients who have ongoing medical needs could end up spending a lot of money before getting any benefit from their insurance. However, recent changes made by the federal government expanded the list of what’s considered preventive care and now includes 14 treatments, medications or devices for people with ongoing conditions like diabetes and heart disease. “These plans became a little more friendlier for people with chronic conditions,” Fronstin 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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Cheapest Auto Insurance in Houston for 2019

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Cheapest Auto Insurance in Houston for 2019
If you’re looking for cheap auto insurance in Houston, Texas, shopping around can really pay off. Rates vary by driver, vehicle and company, so you can only predict which will be cheapest for you by comparing quotes. To help simplify your search, we analyzed rates from several car insurance companies in the Houston-The Woodlands-Sugar Land... Lacie Glover is a writer at NerdWallet. Email: lacie@nerdwallet.com. The article Cheapest Auto Insurance in Houston for 2019 originally appeared on NerdWallet. [...]
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Office Depot/Office Max Back to School Deals for the week of July 21-27, 2019

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Office Depot/Office Max Back to School Deals for the week of July 21-27, 2019
The Back to School deals have started! Check out these amazing deals Office Depot/Office Max is offering this week. Here are the back to school deals at Office Depot/Office Max for the week of July 21-27, 2019: Office Depot JustBasics Spiral Notebook – $0.10 Office Depot Composition Books – $0.50 Office Depot 3 x 5 Index Cards, 100 ct – $0.50 Office Depot 2-Hole Manual Pencil Sharpener – $0.50 Pencil Boxes – $1.50 Westcott Printed & Jelly Scissors – $2 Sharpie Highlighters 4 pk – $2.99 Pencil Accesory Value Pack 110 ct – $4 Paper Mate Flair Porous-Point Pens 12-pack – $9.99 Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. [...]
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Should You Consider Medi-Share for Health Insurance? Here’s Our Take

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Should You Consider Medi-Share for Health Insurance? Here’s Our Take
If you’ve heard ads for Medi-Share, you might be intrigued by its promises to cover your health care costs. Curious? We looked into the details to find out how Medi-Share works — and whether it’s a good option for you. Here’s our honest, unbiased review of the program. What is Medi-Share? Medi-Share is a health-care sharing ministry made up of members united by their faith. This program and similar medical-sharing ministries rely on their members to take care of one another through financial contributions, as well as prayer.  The details work much like typical health insurance. Like having a deductible, members choose an amount they’ll contribute as a household before they can submit bills to the community for payment assistance.  A monthly share payment works like a premium, ensuring your eligibility for assistance, should you need it. There’s no guarantee your medical expenses will be covered through Medi-Share, and there are plenty of exemptions to consider before you apply.  But if you’re particularly religious — and healthy — you may want to consider this alternative to traditional health insurance. How Much Does Medi-Share Cost? First, the up-front costs: It costs $50 to apply, and you’ll pay a $120 one-time member fee with your first monthly payment. You’ll pay another one-time fee of $2 to set up your “sharing account.”  As for your monthly payment options, Medi-Share’s system is sort of like choosing a health insurance deductible and monthly premium.  As an example, we calculated costs for a 30-year-old woman seeking membership for herself only. Share amounts change annually, based on the oldest member of the household. If she chose a $1,750 annual household portion — the amount of medical bills you have to pay completely before you’re eligible for sharing — her standard monthly share would be $311.  If she met certain health and fitness requirements, she could qualify for a Healthy Monthly Share, which would lower her cost to $277 per month.   When you need medical care and visit a Medi-Share provider, you pay $35 for doctor visits and hospitalizations, and $200 for emergency room visits.  You submit the rest of your bills to Private Healthcare Systems (PHCS) for payment consideration.  “We do not collect premiums, make promise of payment, or guarantee that your medical bills will be paid,” the Medi-Share website explains. “Sharing of medical bills is completely voluntary.”  Christian Care Ministry, which operates Medi-Share, is a 501(c)3, but your payments aren’t tax-deductible.  Do You Need to Be Religious to Use Medi-Share? Just as Medi-Share embraces the idea of a community of members supporting one another, it also believes in having a membership that embraces Christian lifestyles. The organization may even interview a church leader to verify your involvement before granting you membership. In addition to eschewing tobacco and illegal drug use, applicants “must only engage in sexual relations within a Biblical Christian Marriage.”  And as you might suspect, Medi-Share doesn’t cover abortions or treatment for sexually transmitted infections.  Medi-Share also assumes that if you’re willing to take care of your Christian community by sharing the burden of medical bills, you’ll do your best to take pretty good care of yourself. Some health conditions, like obesity, high cholesterol or diabetes, put applicants in the mandatory Health Partnership Program, which pairs you with a health coach and costs an extra $99 per month.  What If You Have an Ongoing Health Condition? While this might be an appealing option if you’re healthy, anyone who suffers from a chronic health issue is probably better off turning to an ACA health insurance program for coverage.  “The primary purpose of Medi-Share is to help share members’ burdens,” the program explains. “Burdens are those unexpected medical bills you are unable to plan for (ie. broken bones, cancer, etc). Low monthly share amounts enable you to budget for your family’s routine care, which can be planned.”  Prescription drugs can be eligible for cost-sharing, but only for up to six months for the lifetime of the member. Behavioral and mental health care are also ineligible for coverage. This includes psychiatric or psychological care, as well as “counseling or care for learning deficiencies or behavioral problems,” such as ADD or autism. But here’s the big catch: Routine health screenings aren’t eligible for cost-sharing either.  Well-patient care like annual physicals, pap smears and well-child checkups aren’t included. Dental and vision care aren’t eligible, either.  For instance, if your doctor recommends getting a colonoscopy because you’ve reached a certain age, you can’t submit the test for Medi-Share payment. If you have symptoms warranting the same test, the program might grant payment.  FROM THE SAVE MONEY FORUM do it yourself 7/19/19 @ 1:16 AM Summer Is Here: Is Your Electric Bill Affected by Running the AC? 7/17/19 @ 12:08 PM Do You Ever Pick up A Stray Penny? 2/7/19 @ 12:27 PM Do drive-in movie theaters save you money? 7/1/19 @ 3:38 PM See more in Save Money or ask a money question So, Is Medi-Share Legit? Here’s our conclusion: Medi-Share isn’t a scam.  It’s totally legal and there’s a strong membership base to support it and similar programs. But it’s likely not the most affordable health care option for most people. The ideal candidate for Medi-Share is in excellent health and also has a robust savings account to pay out of pocket for routine medical care. One risk: Medi-Share and other cost-sharing programs aren’t subject to regulation like typical ACA programs.  So while a typical health insurance benefits booklet might clearly explain what’s covered and guarantee coverage up to a certain amount or percentage, Medi-Share participants might not be able to figure out ahead of time which medical bills will be paid by the program. While Medi-Share probably isn’t the best financial choice for most people, it does at least serve as an option for anyone who doesn’t have access to a job-sponsored health insurance plan or who finds individual ACA coverage options prohibitively expensive. 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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Prime Day 2019: All of the Best Deals Still Available!!

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Prime Day 2019: All of the Best Deals Still Available!!
This post may contain affiliate links. Read my disclosure policy here. Worried you missed some of the best Amazon Prime Day Deals? We’ve got you covered with this list! Wow! Prime Day 2019 has been GREAT this year with all kinds of HOT deals! Seriously, the deals over the past two days have been BETTER than last year’s Black Friday and Prime Day pricing! It’s been a crazy two days of deals, so we wanted to do a quick round-up of all of the deals that are still available from Amazon Prime Day 2019! Remember: Prime Day 2019 ends tonight at 11:59 p.m. ET, so you have until then to snag these deals. And don’t forget most of these are while supplies last, so definitely buy something right away if you want it. Stuff has been selling out SUPER FAST! {Hint: If something sold out or went up in price that you really wanted, be sure to keep checking back. It seems that some of the items are coming in and out of stock at their discounted pricing!} Top Deals From Today: Catan Board Game for just $29.99 shipped!! Fitbit Alta HR Activity Tracker for just $49.99 shipped! Utopia Bedding King Comforter Duvet Insert only $27.99 shipped! *HOT* Brother Sewing Machine only $59.99 shipped! *HOT* Ring Alarm System 5-Piece Kit for just $119 shipped! Up to 50% off Select Children’s Books! Dash Deluxe Rapid Egg Cooker for just $17.99 shipped! HUGE Savings on Area Rugs!! Hoover Cordless Stick Vacuum Cleaner only $149.99 shipped, plus more! Great Prices on Ticket to Ride Board Games!! American Mini Doll and Book Sets as low as $11.18 shipped! Echo (2nd Generation) only $49.99 shipped! NIVEA Pamper Time Gift Set – 5 Piece Luxury Collection only $12.97 shipped! CHI Straightening Hairstyling Iron only $68.59 shipped! Dyson Ball Animal 2 Total Clean Upright Vacuum Cleaner only $349.99 shipped! Quaker Life Breakfast Cereal, 3 Flavor Variety Pack (4 Boxes) only $4.39 shipped! Old Navy: Jeans for the Family only $8 – $10! *HOT* Lands’ End ClassMate Medium Backpacks as low as $7.64 shipped (Reg. $40!) All-New Echo Dot Kids Edition only $44.99 shipped! Aquaphor Healing Ointment Multipack only $11.56 shipped! Mrs. Meyer’s Clean Day Scented Soy Candle (2 Pack) as low as $10.16 shipped! GREAT Deals on Games for the Family! Cuisinart Chef’s Classic Stainless 7-Piece Cookware Set only $49.97 shipped! CamelBak Eddy+ Water Bottle with Straw only $7.41! Top Deals From Yesterday: Get $5 Off Any $15 Books Purchase on Amazon (My Favorite Prime Day Deal!) *HOT* Instant Pot 6-Quart 7-in-1 Programmable Pressure Cooker as low as $49.99 shipped! *HOT* Amazon Fire TV Stick with Alexa Voice Remote for just $14.99 shipped! *HOT* Bose SoundSport In-Ear Headphones only $39 shipped (Reg. $100!) Amazon Fire 7 Tablet only $24.99 shipped, plus more! HOT Prime Day Grocery Deals = Stock Up On Snacks, Oatmeal, Sparkling Water and more! Prime Day Deals on Weighted Blankets! Prime Day Deals on Air Fryers! iRobot Roomba 690 Robot Vacuum only $229 shipped! *HOT* All-New Kindle just $59.99 shipped (with $5 eBook credit!) *HOT* Kindle Paperwhite for just $84.99 shipped (with bonus $5 eBook credit!) Oral-B Pro 500 Electric Power Rechargeable Toothbrush for just $19.99 shipped! Tarte Cosmetics: Hot Steals Sale = Cosmetics just $10! *HOT* Adidas Men’s Duramo 9 Shoes only $21 shipped, plus more! Superfeet Men’s/Women’s Charcoal Insoles only $14.97 per pair, shipped! Chromebooks as low as $169.99 shipped! ECOVACS DEEBOT 500 Robotic Vacuum Cleaner for just $169.99 shipped! Dyson V7 Animal Pro+ Cordless Vacuum Cleaner only $279.99 shipped! All-New Fire 7 Kids Edition Tablet with Kid-Proof Case just $49.99 each, shipped! Prime Day Deals on AncestryDNA and 23andMe DNA Testing Kits! Magformers XL Double Cruiser 42-Piece Set Magnetic Building Blocks only $41.98 shipped, plus more! *HOT* Echo Show for just $49.99 shipped! Echo Dot 3rd Generation for just $22 shipped! LEGO Star Wars Millennium Falcon Building Kit for just $83.30 shipped! LOWEST Prices on LEGO Sets! Beats Solo3 Wireless On-Ear Headphones for just $139.99 shipped! Safety 1st Grow and Go 3-in-1 Convertible Car Seat only $99.99 shipped! Revlon One-Step Hair Dryer & Volumizer Hot Air Brush only $36.71 shipped! HUGE Savings on Board Games and Puzzles! Over 40% off Popular Melissa & Doug Toys and Puzzles! Fitbit Alta Smart Fitness Activity Tracker as low as $67.95 shipped! Samsung 11.6″ Chromebook 3, 16GB only $159 shipped! Go here to see all the Prime Day 2019 Deals! Not an Amazon Prime member? If you’re not already an Amazon Prime member, now is a GREAT time to sign up for the free 30-day trial of Amazon Prime so that you can take advantage of all these Prime Day deals before it ends tonight! What was your favorite Prime Day deal? We’d love to hear in the comments! [...]
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Prime Day 2019, Day One: All of the best deals so far!

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Prime Day 2019, Day One: All of the best deals so far!
Worried you missed some of the best Amazon Prime Day Deals? We’ve got you covered with this list! Wow! Prime Day 2019 is off to a great start with all kinds of HOT deals! Seriously, the deals today were BETTER than last year’s Black Friday and Prime Day pricing! It’s crazy!! The deals were flying FAST today, so we wanted to round up all the deals that are still available from Day One of Prime Day 2019! {Hint: If something sold out or went up in price that you really wanted, be sure to keep checking back. It seems that some of the items are coming in and out of stock at their discounted pricing!} And we’ll be back first thing in the morning for more Prime Day coverage for Day Two! See you then! Best Prime Day 2019 Deals From Day One: Get $5 Off Any $15 Books Purchase on Amazon (My Favorite Prime Day Deal!) *HOT* Instant Pot 6-Quart 7-in-1 Programmable Pressure Cooker as low as $49.99 shipped! *HOT* Amazon Fire TV Stick with Alexa Voice Remote for just $14.99 shipped! *HOT* Up to 40% off Apple Watches and iPads! *HOT* Bose SoundSport In-Ear Headphones only $39 shipped (Reg. $100!) Amazon Fire 7 Tablet only $24.99 shipped, plus more! *HOT* Vitamix 5200 Professional Blender for just $279.95 shipped! Ninja Professional Countertop Blender for just $44.99 shipped! HOT Prime Day Grocery Deals = Stock Up On Snacks, Oatmeal, Sparkling Water and more! Prime Day Deals on Weighted Blankets! Prime Day Deals on Air Fryers! iRobot Roomba 690 Robot Vacuum only $229 shipped! *HOT* All-New Kindle just $59.99 shipped (with $5 eBook credit!) *HOT* Kindle Paperwhite for just $84.99 shipped (with bonus $5 eBook credit!) Oral-B Pro 500 Electric Power Rechargeable Toothbrush for just $19.99 shipped! Tarte Cosmetics: Hot Steals Sale = Cosmetics just $10! *HOT* Adidas Men’s Duramo 9 Shoes only $21 shipped, plus more! Superfeet Men’s/Women’s Charcoal Insoles only $14.97 per pair, shipped! Chromebooks as low as $169.99 shipped! ECOVACS DEEBOT 500 Robotic Vacuum Cleaner for just $169.99 shipped! *HOT* Shark Genius Hard Floor Cleaning System Pocket Steam Mop only $59.99 shipped (Reg. $120!) *HOT* YETI Hopper Flip 18 Cooler for just $209.99 shipped! Dyson V7 Animal Pro+ Cordless Vacuum Cleaner only $279.99 shipped! All-New Fire 7 Kids Edition Tablet with Kid-Proof Case just $49.99 each, shipped! Prime Day Deals on AncestryDNA and 23andMe DNA Testing Kits! Magformers XL Double Cruiser 42-Piece Set Magnetic Building Blocks only $41.98 shipped, plus more! *HOT* Echo Show for just $49.99 shipped! Echo Dot 3rd Generation for just $22 shipped! LEGO Star Wars Millennium Falcon Building Kit for just $83.30 shipped! LOWEST Prices on LEGO Sets! Beats Solo3 Wireless On-Ear Headphones for just $139.99 shipped! Keurig K-Mini Single Serve Coffee Maker with AmazonFresh Colombia Medium Roast K-Cup Coffee Pods (12 count) only $49.99 shipped! Safety 1st Grow and Go 3-in-1 Convertible Car Seat only $99.99 shipped! Revlon One-Step Hair Dryer & Volumizer Hot Air Brush only $36.71 shipped! HUGE Savings on Board Games and Puzzles! Over 40% off Popular Melissa & Doug Toys and Puzzles! LifeStraw Personal Water Filter only $9.89 shipped! Fitbit Alta Smart Fitness Activity Tracker as low as $67.95 shipped! Old Navy: 50% off the Entire Site + Free Shipping!! Samsung 11.6″ Chromebook 3, 16GB only $159 shipped! 8×10 Area Rugs only $89.99 shipped at Wayfair! Walgreens Photo: Get 25 Photo Prints for just $0.01 each + Free Pickup! Go here to see all the Prime Day 2019 Deals! Not an Amazon Prime member? If you’re not already an Amazon Prime member, now is a GREAT time to sign up for the free 30-day trial of Amazon Prime so that you can take advantage of all these Prime Day deals! What’s been your favorite Prime Day find so far? Let us know in the comments! [...]
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2019 Goals: June update

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2019 Goals: June update
Did you set goals for 2019? Here’s an update on how I did on my 2019 goals in June.  It’s July 6, 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 June 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.) 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 June 2019: Personal Goals 1. Read 40 books I already own. (I’m using GoodReads to track my reading this year!) Update: I finished 6 books in June — and one of them was from my list of books I already own and wanted to read this year. Look for a Book Update in the next week! 2. Slowly read through the New Testament using the She Reads Truth Bible reading plans at the beginning of each chapter. Update: I finished Galatians, Ephesians, Philippians, Colossians in June. 3. Listen to 2 audiobooks per month. (I use the Libby app to get these for free.) Update: I finished to 2 audiobooks in June. 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: I have been keeping up with this. (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 did a pretty good job of this in June. 6. Leave my phone in the basement every night. (I talk more about what inspired me to make this goal here.) Update: So, honesty here: Ever since I took email off my phone at the beginning of May, I haven’t really felt such a need to not have my phone by my bed and I’ve sort of slipped out of this habit. But I want to get back to it! 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 bombed this goal in June. But we traveled a lot and were in different time zones + it’s summer, so I’m not beating myself up over it. But I do want to get back to this in July! 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 spent a lot of time with the kids in June because of all of our traveling, but I didn’t spend as much one-on-one time with them. It was a lot of all together family time. I’m looking forward to getting back to this in July. 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 Utah to meet up with all of my extended family at the very end of June. 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 started on the bathroom renovation at the very end of June. 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 BIG progress in June. 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: I’m working on my next course, Monetize Your Blog, and it’s going to be a bigger/more comprehensive course than I’ve ever done but I’m continuing to make good progress. 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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West Virginia First-Time Home Buyer Programs of 2019

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West Virginia First-Time Home Buyer Programs of 2019
The West Virginia Housing Development Fund works with dozens of lenders to provide affordable housing for West Virginia residents. It not only facilitates home loans with favorable interest rates but can make the dream of a no-down-payment mortgage come true. And yet, there is even more homeownership help to tap. Check out federal loan programs offering first-time...The article West Virginia First-Time Home Buyer Programs of 2019 originally appeared on NerdWallet. [...]
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Washington, D.C., First-Time Home Buyer Programs of 2019

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Washington, D.C., First-Time Home Buyer Programs of 2019
Washington, D.C., is an expensive place to live, making homeownership feel out of reach for many first-time buyers. The District of Columbia’s Housing Finance Agency, or DCHFA, offers several programs designed to help. First-time home buyers in Washington, D.C., may also benefit from the relaxed qualification requirements that some national loan programs offer. Explore all...The article Washington, D.C., First-Time Home Buyer Programs of 2019 originally appeared on NerdWallet. [...]
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CVS: Deals for the week of June 16-22, 2019

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CVS: Deals for the week of June 16-22, 2019
Looking for all the best weekly CVS deals? Check out this list of the hottest deals you’ll find in-store this week! Here are the best deals at CVS this week, with a big thanks to Passionate Penny Pincher for her help in compiling them: Buy 2 Maybelline Eye Brow Liner – $4.99, Get $6 ECBs (Limit 1) Used (2) $3/1 Maybelline Eye Product printable will need to sign up can get 2 coupons when signing up Pay $3.98 out of pocket, Get $6 ECBs Free plus $2.02 moneymaker after coupons and ECBs Buy 1 Colgate Total TS or Max Toothpaste at $3.49, Get $2 ECBs (Limit 2) Use $1/1 printable Pay $2.49 out of pocket, Get $2 ECBs $0.49 after coupon and ECBs Buy 1 Hershey King Size at $1.88, Get $1 ECBs (Limit 1) Pay $1.88 out of pocket, Get $1 ECBs $0.88 after ECBS Buy 1 General Mills Cereal at $2.88, Get $1 ECBs (Limit 1) Pay $2.88 out of pocket, Get $1 ECBs $1.88 after ECBS Buy 1 Physician Formula Make Up Staring at $9.99, Get $7 ECBs Pay $9.99 out of pocket, Get $7 ECBs $2.99 after ECBs Buy 2 Scott Toilet Paper (18 roll) at $7.99, Get $5 ECBs (Limit 1) Use $0.55/1 Scott Bath Tissue printable Pay $14.88 out of pocket, Get $5 ECBs $4.94 each after coupons and ECBs Buy 1 Coppertone Sunscreen at $9.99, Get $2 ECBs (Limit 1) Use $2/1 printable Pay $7.99 out of pocket, Get $2 ECBs $5.99 after coupon and ECBs Buy 1 Finishing Touch Flawless Face or Brow at $19.99, Get $5 ECBs (Limit 1) Pay $19.99 out of pocket, Get $5 ECBs $14.99 after ECBs Spend $20, Get $5 ECBs (Limit 1) *Deal Idea* Buy 2 Charmin Toilet Paper (6 Mega Roll) or Bounty Paper Towels (4 rolls) – $6.99 Buy 1 Tide Pods (12 -16 ct) – $4.94 Buy 1 Dawn Dish Soap – $0.99 Use $2/1 Tide App coupon or $2/1 Tide coupon from the 5/26 P&G insert Pay $17.91 out of pocket, Get $5 ECBs $4.30 each after coupons and ECBs OR Buy 3 Tide Pods (12 -16 ct) – $4.94 Buy 1 Charmin Toilet Paper (6 Mega Roll) or Bounty Paper Towels (4 rolls) – $6.99 Use $2/1 Tide App coupon and (2) $2/1 Tide coupon from the 5/26 P&G insert Pay $15.81 out of pocket, Get $5 ECBs $2.70 each after coupons and ECBs Spend $25, Get $7 ECBs (Limit 1) *Deal Idea* Buy 2 Huggies Diapers at $12.49 (Buy 1, Get 1 50% OFF) Buy 2 Pampers Wipes – $2.99 Use (2) $1/1 printable Use $0.50/1 Pampers Wipes App coupon Pay $22.21 out of pocket, Get $7 ECBs $7.60 each after coupons and ECBs Deals In Ad M&M Candy (9 oz) – $2.50 Use $1/2 coupon from the 6/16 SmartSource insert Use $1/2 CVS coupon from CVS machine $1.50 each after coupons Tide Simply Laundry Detergent (40 oz) – $2.94 Use $1/1 App coupon $1.94 after coupon New to shopping at CVS? Be sure to check out my CVS 101 post that gives you the full scoop on how to get the best bargains at CVS. See the full list of deals at CVS here. [...]
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SEC Approves Amendments to FINRA’s Codes of Arbitration Procedure for Customer and Industry Disputes

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SEC Approves Amendments to FINRA’s Codes of Arbitration Procedure for Customer and Industry Disputes
On May 30, the Securities Exchange Commission approved amendments to the Financial Industry Regulatory Authority’s customer and industry arbitration rules to expand the time period for non-parties to respond to arbitration subpoenas and orders of appearance of witnesses or production of documents. FINRA’s Codes of Arbitration Procedure for Customer and Industry Disputes (Codes) allow parties who seek discovery from a non-party to request that the panel issue an order of appearance of witnesses or production of documents if the non-party is subject to FINRA’s jurisdiction. Arbitrators are also authorized to issue a subpoena if the non-party is not subject to FINRA’s jurisdiction. If the panel decides to issue the order or subpoena, FINRA will transmit the signed order or subpoena to the moving party to serve on the non-party. If a non-party receiving an order or a subpoena objects to the scope or propriety of the order or subpoena, they may file written objections through the director of the Office of Dispute Resolution within 10 calendar days of receiving the order or subpoena. The amendments extend the response time for non-parties to object to an order or subpoena from 10 calendar days of service to 15 calendar days of receipt of the order or subpoena. In addition, first-class mail is excluded as an option to serve documents on the non-party and as an option for the non-party to file the objection to the scope or propriety of the order or subpoena. Lastly, the amendments codify the current practice that the director send, at the same time, objections and responses to the panel after the reply date has elapsed, unless otherwise directed by the panel. The amendments are effective for cases filed on or after July 1. FINRA’s regulatory notice is available here.   [...]
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Old Navy Flip Flop Sale 2019

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Old Navy Flip Flop Sale 2019
This post may contain affiliate links. Read my disclosure policy here. Woohoo! The Old Navy Flip Flop Sale is BACK again this year! Get ready to score flip flops for just a buck, plus there are some fun twists this year!! {Looking for more summer flip flop fun? Don’t forget about Tropical Smoothie Flip Flop Day, too!} Old Navy Flip Flop Sale 2019 Mark your calendars! Old Navy will once again be having their incredibly popular $1 Flip Flop Sale this year on Saturday, June 15, 2019. You’ll be able to get select styles of solid color flip flops for just $1 in-stores or online. There’s a limit of 10 pairs when you shop in-store and a limit of 5 pairs when you shop online. If you’re shopping in-stores, I recommend getting there early, because they usually sell out super fast! Free Flip Flops with Purchase But that’s not all! If you make a $24+ purchase before 12 p.m., you’ll get a FREE pair of flip flops! Just make sure you make your purchase before noon local time in-stores and before noon PST online. Find The Golden Flip Flop It looks like they’re adding some extra fun this year for a bit of a twist on their traditional flip flop sale. This year, they’ll be hiding golden flip flops throughout each store and within the pages of their online site. If you find a golden flip flop, you get a 24% off coupon online or a $24 coupon in-stores. You’ll also be entered to win $24,000 in a sweepstakes giveaway. Go here to get some tips on finding the golden flip flops. Will you be grabbing flip flops at Old Navy this year? We’d love to hear in the comments! [...]
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Summer Movies for Kids | 2019 Discounts and Deals!

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Summer Movies for Kids | 2019 Discounts and Deals!
Looking for some frugal fun for the kiddos this summer? Be sure to check out this round-up of all the best discounts on summer movies for kids! {Looking for other fun summer deals? Don’t miss our round-up of the best Summer Reading Programs! Plus, kids can bowl for free and skate for free at many participating locations this summer! And don’t forget to stop by Sonic after 8 p.m. for half-price ice cream shakes!} Summer Movies for Kids 2019 If you’re looking for a great way to have some frugal fun with your kids this summer, then be sure to check out this list of discounts on kids’ movies! Regal Cinemas — Each Tuesday and Wednesday at 10 a.m., participating Regal Cinemas are offering moviegoers of all ages a selection of G or PG-rated films for just $1! Valid through September 4, 2019. Cinemark Theaters — Participating Cinemark theaters are offering a 10-Week Cinemark Summer Movie Clubhouse promotion. If you purchase in advance at the Box Office, then you can get up to 10 tickets to select G- or PG-rated movies for just $5 — which makes it just $0.50 per movie! Valid from May 27 – September 8, 2019. AMC Theaters — AMC Theaters will be offering a kid’s movie ticket and AMC KidsPack for just $4 every Wednesday at 10 a.m. over the summer! The KidsPack includes kid’s popcorn, fountain drink, and FrootiTooti fruit snacks. Alamo Drafthouse Cinema — Kids ages 3+ can enjoy family favorite films for just $1, $3, or $5 – your choice! Movies screen daily at 10:30am. Cineplex — Participaint Cineplex Theaters are offering family favorite films each Saturday morning at 11 a.m. for just $2.99 per film! Classic Cinemas — Watch PG-rated films for just $1 at 10 a.m. every Wednesday! Also, be sure to arrive early at 9 a.m. so you can meet some of your favorite characters and join in on the fun games & activities! Valid June 5 – August 7, 2019. Marcus Theaters — View your favorite family flicks for just $3 on Sundays, Mondays and Wednesdays, June 16 – August 14, 2019. Additionally, popcorn and fountain drinks will be just $2.75 each! Studio Movie Grille — Escape the summer heat and watch $1 screenings of recent, popular, children films through August 30, 2019. Harkins Theaters — Kids can enjoy a movie each week for 10 weeks, for less than $1 per film. Price varies by the theater, but ranges from $5 to $7 for the whole summer. Paragon Theaters — Enjoy free kids movies at 10 a.m. on Tuesdays, Wednesdays, and Thursdays from June 11 – August 8, 2019. Metropolitan Theatres — Summer Kids Film Series will be taking place on Tuesdays at 10 a.m. for just $2 per movie. Paseo Nuevo and Metrolux 14 also have shows on Tuesdays and Wednesdays at 10 a.m., and Camino Real has shows every Thursday. Cobb Theatres — Every Tuesday, Wednesday, and Thursday at 10 a.m. kids can enjoy free movies! Doors open at 9:30 a.m. and tickets are valid for same day only. Megaplex Theatres — Megaplex Theatres is offering young fans and their families a fun summer filled with a movie pass! See 10 movies for just $10. Bowtie Cinemas — Kids can see a free movie on Tuesdays and Wednesdays at 10 a.m. from June 25th through August 21st. Phoenix Theatres — See a free movie each Tuesday, Wednesday, and Thursday at 10 a.m.. Doors open at 9 a.m. and all age groups are welcome. In addition, they will be offering a special Kiddie Meal! Georgia Theatre Company — Participating Georgia Theatre Company locations are offering a Summer Kid Show Series at 10 a.m. every Tuesday and Thursday in June and July! Admission is just $1.50! Also, get drinks and popcorn for just $1.50 each! Ultra Star Cinemas –– Kids can see a movie Monday through Friday at 9:30 a.m. for just $1 per film! Do you know of any other discounts on summer movies for kids? Let us know if we missed any! Thanks, Hip2Save! [...]
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Free Summer Reading Programs 2019

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

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IT Consulting Industry Outlook 2019
The post IT Consulting Industry Outlook 2019 appeared first on ONEtoONE Corporate Finance. [...]
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