Why the Ducks Unlimited Card Is 2020’s Best Gas Card

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Why the Ducks Unlimited Card Is 2020’s Best Gas Card
Maybe you think NerdWallet’s choice of the Ducks Unlimited Rewards Platinum Edition® Visa® Card as our award winner for 2020’s best gas credit card was for the birds. Allow us to explain ourselves. With no memorable catchphrases, no Super Bowl ads or celebrity spokespeople and no big-name financial institution behind it (it’s issued by First Bankcard, a... Robin Saks Frankel is a writer at NerdWallet. Email: rfrankel@nerdwallet.com. Twitter: @robinsaks. The article Why the Ducks Unlimited Card Is 2020’s Best Gas Card originally appeared on NerdWallet. [...]
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What’s the Best Airline Credit Card for New York City Travelers?

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What’s the Best Airline Credit Card for New York City Travelers?
You fly out of New York City or the surrounding area. You’re thinking about getting a branded airline credit card. But which one is right for you? If the answer were simple, we’d give it right here and be done with it. But choosing one “best” credit card in NYC is like picking the best... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article What’s the Best Airline Credit Card for New York City Travelers? originally appeared on NerdWallet. [...]
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Jobs With Tips: Here’s How to Find the Best Paying Ones

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Jobs With Tips: Here’s How to Find the Best Paying Ones
Whether you’re looking for full-time income or part-time work, you might want to consider jobs that offer the chance to earn tips.  The minimum wage for tipped positions is $2.13 per hour in more than 17 states. Seven states require that employers pay tipped employees the full state minimum wage before tips. The remaining states require employers to pay tipped employees a minimum cash wage above $2.13 an hour. But more relevant than your local minimum wage is the fact that you can consistently make good money from tips. Not all tipped jobs are lucrative, though, so how do you choose the right job and earn the most tips? Find the Best Jobs for Tips Tipping is expected and common in many jobs, but clearly some will be better than others for total pay. Here’s a partial list of traditionally tipped positions:  Waiter Casino dealer Taxi driver Pizza delivery driver Cruise steward Bartender Room service waiter Golf caddy Busboy Tour guide Hotel room cleaner Ski instructor Naturally, you’ll enjoy and be more qualified for some jobs over others. Use these preferences to help narrow down that list.  Then, look for the positions where you’ll make the most money. If cleaning hotel rooms and waiting tables are both still on your list, go for the restaurant job.  Remember that to earn the most money, you should seek out employment where tips and base wages are above average. Increase Your Base Rate Many employers pay a base rate of minimum wage. If you’re interested in moving, you could go to a state that has a higher minimum wage for tipped employees.  For example, the minimum wage in Idaho is just $3.35 per hour, while next door in Washington it’s $12.00 per hour and in Oregon it’s  $10.75 per hour. Of course, even in a state with a $2.13 minimum wage, some employers will pay a higher base rate. Ask about the pay before applying. Tips are usually what matter most, but making an extra $5 or $6 per hour on your base rate can help a lot. Work at Expensive Venues One of the most important factors affecting tips, especially in the food and beverage industry, is the size of the average bill. Customers tip according to the bill amount more than anything else.  The average tip in U.S. restaurants is now 18.1%, according to a 2018 Zagat survey. So, as a waiter, if you serve a dozen $40 tables in an evening, you’ll average nearly $87 in tips, but if the bills are $90, you’ll take in more than $195. This is true for other tipped positions as well. Ask any bartender who has worked in both a dive bar and a high-end pub. Work for pricy places when possible.  Work in Busy Locations Even a restaurant with expensive meals might not be a great place to work if you wait on just three tables per shift. Serving twice as many customers usually means you earn twice as much in tips. Look for busy businesses. Pick the Right Employer Once you decide what kind of job you want, pick which state you’ll work in, and identify some expensive, busy places, it’s time to investigate specific employers. Start by asking about the base rate, as mentioned.  Tip income varies widely by employer, even those with similar businesses and price levels. One employer might let you keep all of your tips, while another makes employees share them. For example, I once worked at a pizza place where it was policy to split large tips (over $5) with all employees. And it’s common for wait staff to “tip out” busboys and hosts with 10% or more of what they take in. For large employers, you can often find the relevant pay information on Glassdoor. Otherwise, get friendly with employees of prospective employers so you can ask about their wages. Also check with your friends and family members who happen to work as waiters, casino dealers, bartenders and so on.  Ask how tips are handled and how much they usually amount to. Listen carefully to employees, but don’t place much importance on stories about one-time tips or memorable shifts. In fact, ask about the worst days. You might get lucky and discover a job where the worst tip days are still pretty good. You want an average, and most employees don’t bother to calculate that accurately. But if you ask for examples from ordinary shifts and bad shifts, you can put together a relatively safe guesstimate of the tips you’ll make at a given job. Then you can calculate what you’ll make with the base rate included. FROM THE MAKE MONEY FORUM I have a question about those cash game apps from Google Play store? 1/14/20 @ 8:16 PM Selling My Things 1/2/20 @ 8:12 AM I am working part time any suggestions 1/9/20 @ 1:40 PM Being a Match Maker. 1/7/20 @ 12:33 AM See more in Make Money or ask a money question   What If You Lack Experience? If you lack experience, you won’t qualify for the best positions and may not get hired at the best places. In that case use a longer-term strategy. For example, caddy at a slow golf course as a resume builder so you can get hired at a better place.  Use a position as a busboy as a temporary stop on the way to being promoted to waiting tables. Take a job in a restaurant kitchen only if your employer says you can join the wait staff as soon as you prove yourself. There are always opportunities to build your resume or places where you can quickly advance. For example, many bars won’t hire an inexperienced bartender, but will hire you as a bar-back.  Once you have a job where you make good tips, you can move on to part two of your plan: Implementing strategies for making even more tips. Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. He’s been a repo-man, walking stick carver, search engine evaluator, house flipper, tram driver, process server, mock juror, and roulette croupier, but of more than 100 ways he has made money, writing is his favorite (so far). 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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Best Travel Credit Cards to Pay Cell Phone Bills

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Best Travel Credit Cards to Pay Cell Phone Bills
Cell phones have transitioned from a luxury to a necessity in today’s busy world. We spend a lot of money to have our cell phones by our side: According to the Bureau of Labor Statistics, the average person spends $1,188 per year on their cell phone bill. And the bill is much higher for a... Lee Huffman is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Best Travel Credit Cards to Pay Cell Phone Bills originally appeared on NerdWallet. [...]
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The 5 Best Things to Buy in January — and 4 to Wait on

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The 5 Best Things to Buy in January — and 4 to Wait on
This post comes from Elizabeth Harper of partner site DealNews.com. Plenty of stores will ring in the new year with great sales. But if you’re wondering what to buy in January, you should know that not everything will be a bargain this month, so you’ll want to shop smart to get the best prices. Following is our take on the things you should buy — and shouldn’t buy — during the... [...]
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The 6 Best High-Interest Checking Accounts for Letting Your Money Grow

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The 6 Best High-Interest Checking Accounts for Letting Your Money Grow
You’ve probably always thought that if you want to earn interest on your money, you move it to a savings account. Your checking account is just for paying bills and the like, right? Not anymore.  With the rise of online-only banks that don’t have the overhead of brick-and-mortar locations, the competition for your checking dollars has gotten fierce. One of the big benefits of this battle is that many banks are now offering interest-yielding checking accounts. And while you may not rake in giant interest rates, you can definitely earn a little something on that money — and why wouldn’t you? Here are our top six high-interest checking accounts that could help your money grow. How We Picked the 6 Best Checking Accounts That Pay Interest Our methodology for this list is pretty simple: According to the FDIC, the average interest rate for interest-bearing checking accounts is currently 0.05%. We’re looking for checking accounts that beat that average. Beyond the interest rate, we looked at what else the account brings to the table. We gave preference to those accounts that don’t have maintenance fees or high minimum balances and that offer ATM fee reimbursement.  The 6 Best High-Interest Checking Accounts Without further adieu, here are the six best high-interest checking accounts where you can use your money and make a little money at the same time. 1. SoFi  One of the highest interest rates we’ve found for an online checking account is from SoFi Money. That checking account earns you 1.6% APY, or annual percentage yield, which is percent in interest (including compound interest) you’ll earn on your money in a year. Frankly, that’s practically unheard of. That’s more than 32 times higher than the average interest-bearing checking account. Heck, it’s better than the rate on a lot of savings accounts. SoFi Money takes a number of steps to make the transition to online banking easy: ATMs: With automatic reimbursement of ATM fees, you can use just about any ATM anywhere for free. Checks: If you occasionally need a physical check — to pay your landlord or whatever — you can get checks from SoFi for free. Website: SoFi’s website and mobile apps have detailed FAQs, and they make it simple and easy for you to find any information you want. 2. NDKC Personal Checking The NBKC Personal Checking Account offers 1.01% interest on all balances and has no minimum balance requirement. That’s a pretty sweet deal at 20 times the national average. It also features $0 overdraft and non-sufficient funds charges, so if you tend to overextend your money, you won’t get dinged.  Do you use ATMs? NBKC Personal Checking also offers up to $12 monthly to refund those pesky ATM fees. This account has a minimum opening deposit of $5, but you’d probably deposit at least that much anyway.  3. Memory Bank You may not have heard of Memory Bank. Or maybe you did and you just forgot. (Get it?) Anyhoo, Memory Bank’s EarnMore Checking Account is another great option for a high-interest checking account with 0.90% APY.  Memory Bank is a great choice for those of us who like the perks of online banking, but also want to know that we can get personal service when we need it. They offer live support by phone, email, or online chat. That can be a great benefit when you just need to ask a quick question, but don’t want to get stuck on an automated phone system for an hour.  4. Capital One 360 The real beauty of the Capital One 360 Checking Account is the pure ease of its online banking setup. Both the website and the app are remarkably intuitive. Plus, you won’t have any minimum balance or fees to deal with.  The base APY right now for the Capital One 360 is 0.2%, which is a respectable four times the national average. However, if you manage to save up a little, you’ll earn even more. Balances from $50,000 to $100,000 earn 0.5%. Balances above $100,000 earn 0.75%.  FROM THE BANKING FORUM This week in... The Penny Hoarder Community 11/8/19 @ 9:28 AM Happy November! 11/1/19 @ 1:47 PM Fed cut rates again! Anyone taking advantage? 10/30/19 @ 3:01 PM Social security Representative Payee bank account 9/26/19 @ 1:16 PM L See more in Banking or ask a money question 5. Charles Schwab OK, when you think Charles Schwab, you probably don’t think about checking accounts. That could change. Its High Yield Investor Checking is a free account that earns 0.15% APY on your balance.  It also features unlimited ATM fee rebates worldwide. That’s pretty cool if you travel a lot.  This account has no minimum balance, no minimum opening deposit and no maintenance fees.  There is one catch: You need to have a Schwab One brokerage account linked to your checking to avoid maintenance fees. It may not be for everybody, but if you already invest, why not take advantage of it?  6. Ally Interest Checking Account As the name suggests, you’ll earn interest with the Ally Interest Checking Account. For balances under $15,000, you’ll earn 0.1%, which isn’t all that remarkable.  But, if you tend to have $15,000 or more on hand, you can earn 0.5%. While 0.5% may not seem like much, that’s 10 times the national average for checking accounts that pay interest.  Ally’s Interest Checking really makes its mark with the other perks. The account has: No maintenance fees. No minimum balance requirement. No minimum opening deposit. Easy online access. Another nice perk is that Ally will reimburse you for up to $10 worth of ATM fees charged by other banks per statement cycle.  How to Choose a High-Interest Checking Account If you’re thinking about moving to a high-interest checking account, take a few things into consideration. Look for accounts that won’t negate those interest earnings by charging you fees. However, if you will carry a high balance, it may be worth paying a small fee to get a better interest rate. Do the math. Keep an eye on minimum balance requirements. We focused on accounts that don’t require a minimum balance, but if you know that you’ll consistently have at least $1,000 in your account at all times, you may want to shop around a bit more. There may be a great deal out there. Look at the requirements. Maybe you don’t use your debit card that much or you don’t want to have direct deposit. Choose an account that fits with the way you like to use your account. Keep ATMs in mind if you use them. It’s 2019, and you shouldn’t have to pay those fees. There are too many banks that are willing to cover those for you. The app. If you do a lot of banking on your phone, make sure the bank you choose has a solid banking app. Once you find the checking account that checks all the right boxes for you and how you like to use your account, sign up and start earning money on your money already.  Tyler Omoth is a freelance writer covering topics from personal finance to career advice and even lawn care. His work has been featured on TopResume.com, Writersweekly.com and more. He is also the author of over 70 educational books for children and a proud parent of twin toddlers. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stor [...]
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All the Best Cyber Monday and Black Friday Deals Still Available!

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All the Best Cyber Monday and Black Friday Deals Still Available!
Make sure you don’t miss out on any of the best Cyber Monday and Black Friday Deals with this round-up! This year has had a CRAZY amount of Cyber Monday Deals and Black Friday Deals, so we thought we’d round them all up in one post for you! Crystal’s Top 10 Picks: Get a year of Hulu at just $1.99 per month! Chromebook Cyber Monday Deals | Acer Chromebook for $124.99 shipped, plus more! Denise Albright 2020-2021 Planner Bundle for just $19.95 + shipping! Get over 50% off one of my favorite sweaters for Cyber Monday!! Oral-B Genius Pro 8000 Electronic Power Rechargeable Battery Electric Toothbrush for just $89.94 shipped (Originally $250)! Old Navy: Sherpa Pullovers for the Family only $10 today! *HOT* The Children’s Place: Fleece Pullovers and Pants just $4.99 shipped! Instant Pot 6-Quart 7-in-1 Programmable Pressure Cooker only $49.99 shipped! DaySpring Hand-Thrown Mugs for just $2.80 each! *HOT* TaoTronics Essential Oils Diffuser for just $6.99!! Cyber Monday Deals Still Available: Get 50% off ALL of my courses! Hypoallergenic Shredded Memory Foam Pillows for just $14.99 each, shipped! Amazon FreeTime Unlimited | 3 Months for just $0.99! {$29 Savings!!) Shark Vacuum Cyber Monday Deals *HOT* 61-Piece 3D Magnetic Building Tile Play Set only $19.49 (Reg. $100!) MUK LUKS Anais Moccasin Slippers only $12.99 shipped! Target: 40% Off Bedding and Bath! T-Rex & Triceratops Dinosaur Bump & Go Toy Cars (Set of 4) only $14.99 shipped! Ring Video Doorbell with Echo Dot 3rd Generation only $79.99 shipped (Reg. $150!) *HOT* Free $5 Starbucks Gift Card with $20 Gift Card Purchase {Limited Quantity!} Carter’s: 7-Pack Baby Bodysuits only $10 shipped! 50% off Hydro Flask Bottles at REI! Carter’s: Toddler & Girl’s Leggings only $5 shipped! Cricut Explore Air 2 only $179.99 shipped, plus more! Dreamworks Holiday Collection DVD for just $6.99! HOT Deals on Marvel Action Figures! HOT Discounts on Play-Doh Sets, Playskool Toys, My Little Pony, Littlest Pet Shop, and Baby Alive Dolls! *HOT* HUGE Savings on Monopoly and Hasbro Games! HOT Cyber Monday Deals on LEGO, Lincoln Logs, Tegu Blocks, K’Nex, Playmobil, and Tinkertoys!! *HOT* Up to 50% off Nerf Toys! Keurig K-Mini Single Serve K-Cup Coffee Maker for just $42.49 shipped (Reg. $90)! Bose SoundSport Wireless Headphones for just $139 shipped!! Dinosaur Racetrack for just $16.99 shipped! Men’s Croft & Barrow Festive Microfleece Sleep Pants only $3.99! Converse Chuck Taylor All Star High & Low Top Sneakers only $25 shipped! Black Friday Deals Still Available: Holiday Doormats and Accent Rugs as low as $3.99! Dick’s Sporting Goods: 25% off Hydro Flask Bottles and Tumblers! Canon EOS Rebel T6 DSLR Camera Kit for just $260.99 shipped (Reg. $750)! Robotic Vacuum Black Friday Deals Apple Macbook Air for just $649.99 shipped (Reg. $999)!! Gift an Amazon Prime membership at 10% off! Women’s Sweaters only $7.99! Muk Luks Women’s Bootie Slippers for just $7.99 shipped! Elmer’s Rainbow Slime Starter Kit only $4.99! LEGO Classic Creative Fun Box for just $20! Dick’s Sporting Goods: Extra 25% off YETI Tumblers, Coolers and Mugs! *HOT* Sam’s Club Membership Deal | $50 in Savings! Echo Show 5 for just $49.99 shipped! Echo Dot 3rd Generation for just $22! HOT Deals on Dinosaur Toys!!! Matching Family Pajamas 60% Off! Get two holiday graphic shirts as low as $14.98 each, shipped! Women’s Boots only $19.99 at JCPenney! Royal Luxe White Goose Feather & Down Comforter (Any Size) for just $50.99 shipped!! *HOT* Pura Vida Bracelets Black Friday Sale | 50% Off Plus Free Shipping! LEGO Minifigures Series 19 Building Kit only $2.99! Nike Men’s Running Shoes only $29.99 shipped (Reg. $60!) Mega Bloks Building Basics Let’s Get Learning 150-Piece Set only $12.97! ABCmouse Deal: Annual subscription for just $3.75 per month! American Explorer Hardside Luggage for just $39.99 (Reg. $180)! *HOT* Roku Streaming Stick+ only $29! Kindle Black Friday Deals | Lowest Prices on Record! *HOT* Adventure Academy Annual Subscription for just $3.75 per month! Starbucks Black Friday Deal: Free Coffee & Tea in January with Tumbler Purchase Amazon Fire TV Cube for just $89.99 shipped! Black Friday Deals on Sony and Beats Headphones at Target! Fire Tablet Black Friday Deals | Lowest Prices on Record! *HOT* ReadingIQ Deal: Annual subscription for just $2.49 per month! {Silas loves this app!} *HOT* Amazon Fire TV Stick with Alexa Voice Remote for just $19.99! Step2 Modern Cook Kitchen Set for just $34.99! KiwiCo Promo Code: Get a box for just $7.98 shipped! We hope you grabbed some great deals over the past week! Also, be sure to sign up for our Hot Deals newsletter and join our Deal Seekers Facebook group so that you don’t miss out on any of the hottest, time-sensitive deals as soon as they go live throughout the rest of the holiday season! [...]
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It’s Cyber Monday: Here Are the Best Deals at Amazon

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It’s Cyber Monday: Here Are the Best Deals at Amazon
Not to worry if you missed out on any deals on Black Friday. Cyber Monday — today — brings plenty of second chances. In fact, on Amazon, you will find many discounts that are at least as steep as they were on Black Friday — as well as deals that weren’t even available on Black Friday. Just take a look at the hundreds of deals on Amazon’s Cyber Monday site. Or... [...]
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The Best Perks of the United Explorer Credit Card

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The Best Perks of the United Explorer Credit Card
The United℠ Explorer Card is a great card for travelers who want to get the most out of their United excursions. The card is simple, yet packs a punch. If your preferred airline is United, it could be well worth applying for the United℠ Explorer Card. Here are the best perks the card has to... Chris O'Shea is a writer at NerdWallet. Email: travel@nerdwallet.com. The article The Best Perks of the United Explorer Credit Card originally appeared on NerdWallet. [...]
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Are You Getting the Best Deal on Amazon? Here’s an Automatic Way to Check

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Are You Getting the Best Deal on Amazon? Here’s an Automatic Way to Check
If you shop on Amazon — and who doesn’t? — we’ve found an incredibly easy way you can automatically save yourself money. It’s called Wikibuy, and it’s available as a browser extension or as an app. Once you click a button to install it, it instantly becomes your own personal heat-seeking missile for savings. That’s why 3.9 million shoppers are using it, and that’s why it’s highly rated in the Chrome Web Store. What is Wikibuy? We Use it to Find The Best Deals When you shop around on Amazon, Wikibuy pops up and becomes an automatic price-comparison tool. If you’re checking out a product like, say, a wireless speaker, Wikibuy searches thousands of other sellers, including Walmart and eBay, looking for a better price. It takes into account shipping, sales tax and availability, including size and color. It also tries coupon codes. If you like what you see, click the “Continue to Wikibuy” button that shows up automatically on Amazon, and place your order. Wikibuy even predicts when your order will be delivered. It Works Even if You’re Not Shopping on Amazon Let’s say you’re not shopping on Amazon. Instead you’re shopping online on a different site, like Best Buy or Target. When it’s time to check out, Wikibuy automatically searches online for any coupons or promo codes or discounts that it can apply to your order. It compiles data it collects from its millions of Wikibuy users. If a promo code worked for another Wikibuy user who bought a product before you, Wikibuy copies that code to save you money. Honestly, This is One of The Easiest Ways to Save If you’re not accustomed to browser plug-ins, then don’t let the term scare you away. It’s easy to download the thing, and it just automatically runs on top of your browser when you’re shopping. Simple. Wikibuy is available on the browsers Chrome, Microsoft Edge and Firefox. It’s also available as an iPhone app. Wikibuy gets good reviews from users, mainly because it’s free, simple and automatic. The browser extension has a 5-star rating from 3.9 million users in the Google Play store. One final thing: You can also earn Wikibuy credits while you shop. You use those credits for gift cards. That’s just one more feature. Wikibuy’s main draw is the automatic savings. After a simple free install, see how it works for you. Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He’s turning into an Amazon guy. Wikibuy compensates us when you install Wikibuy using the links we provided. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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This 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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The 9 Best Things to Buy in September — and What Will Be Hit by Tariffs

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The 9 Best Things to Buy in September — and What Will Be Hit by Tariffs
This post comes from Julie Ramhold of partner site DealNews.com. September can be an excellent month to shop, thanks to a plethora of Labor Day, summer clearance and back-to-school sales. But not everything in stores will be worth parting with your hard-earned cash. Check out our guide below to learn what to buy in September, and what you might want to skip for now. Labor Day marks the unofficial... [...]
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Prefer the Night Shift? Check Out the 21 Best Jobs for Night Owls

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Prefer the Night Shift? Check Out the 21 Best Jobs for Night Owls
If you’re a night person, it can be truly tough to get up at six in the morning to report to work. So what can you do if you only fully wake up and come alive after you get home from your daytime job?  Trade it in for a new one!  21 of the Best Night Shift Jobs Here are 21 of the best night shift jobs for you night owls out there.  1. Freelance Writer While freelance writing is technically a business rather than a job, it’s an obvious one to include on this list, because you can write whenever your mind functions best. And yes, I’m writing this in the evening (just to make a point, as I’m actually more of a morning person).  How much you’ll make depends on your ability to find good clients and how efficient you are. Although I’m usually paid by the article, I aim for at least $20 per hour.   2. Air Traffic Controller This is one of the most highly paid jobs with night shifts. The median annual wage for air traffic controllers is $124,540, according to the Bureau of Labor Statistics. You don’t even need a college degree to get these jobs, according to the Federal Aviation Administration website, although you will have to go to the FAA Academy. Unfortunately, night shifts sometimes alternate with day shifts, leaving some controllers feeling groggy, according to a 2014 PBS NewsHour article. 3. Casino Dealer When I was a blackjack dealer, I usually opted to leave early (when the traffic slowed), but many casino dealers love working after midnight. It’s quieter, and customers are more relaxed.  At most casinos, tips are pooled and added to paychecks as an hourly rate, so you don’t lose anything by working the slow late shifts. Friends who still work for my former employer say they average more than $20 per hour with tips. 4. Bartender Bartending is another job you can do well without a college degree, as long as you work in the right place and are assigned to the right shifts. Fortunately for night owls, evening shifts produce the best tips. Weekends are usually better than weekdays, so bartending can be a great part-time second job if you already work during the week. 5. Security Guard When I was a security guard, I liked working in the evenings. It was cooler (I worked in Florida), and I was allowed to spend time reading, writing and cruising the Internet.  Night security positions are often relaxing, and some allow free time for various activities that don’t interfere with the work. The downside is the pay. The BLS reports that the median annual wage for security guards is just $28,490. However, they do note that 10% of security guards make over $49,000, so watch for those better-paying gigs, or work your way up to them. 6. Firefighter  The mean annual wage for firefighters is $49,620, and a full 25% top $67,100 per year.  Perhaps the best positions are in towns where you work long shifts, staying at the station until there is a situation. Friends in these positions tell me you’re generally allowed to read, write or watch television during those long, slow nights. 7. Babysitter In recent years, babysitting has become more lucrative for adults. Since you’re an independent contractor, you can decide which hours you want to work. In other words, you can take only jobs that start in the evening, or even offer overnight babysitting for other night owls who work the late shifts at their jobs.  8. Mail Sorter It isn’t easy to get career positions at the post office, but they often hire for what they call casual positions, which are normally temporary jobs.  For example, I sorted mail seasonally for two years, working September through December each year. The work wasn’t difficult, didn’t require any previous experience, and paid about $13 per hour. The shift started at 11 p.m. and finished when the mail was sorted, which was usually between 5 a.m. and 7 a.m.  These positions provide no benefits and, in my case, involved only 30 hours weekly. This isn’t a career, but a nice way to make some extra cash working at night. 9. Pizza Delivery Driver I made decent money delivering pizzas when I was younger. A friend tells me he makes about $14 per hour as a pizza delivery driver. It is all about the tips, because most places pay minimum wage, and some may pay only the tipped-employee minimum wage, which is just $2.13 per hour.  Still, being a pizza delivery driver can provide a nice side income, especially if you work only when tips are best, which is at night on the weekend. It also helps if your employer provides a vehicle or pays extra for your car expenses. I’ve worked for employers using both arrangements, and I profited from the latter by driving a cheap car that got good gas mileage. FROM THE MAKE MONEY FORUM Working while on SSDI 7/22/19 @ 1:21 PM B Passive Income 8/9/19 @ 1:07 PM How Can Someone Living in the Heart of Africa Make Money Online? 8/20/19 @ 1:23 PM Private tutor 8/20/19 @ 1:27 PM See more in Make Money or ask a money question Other Jobs for Night Owls  There are many positions that offer both day and night shifts, allowing you to apply only for the latter. Here are some examples: Baker Nurse Disc jockey Limo driver Merchandise stocker Night school teacher Hotel desk clerk Highway toll booth attendant Liquor store clerk Gas station attendant Movie projectionist Customer service representative Finally, many online jobs and contract work can be done at night. For example, as a search engine evaluator I often put in late hours. Other online work you can do at any time includes website testing, translating documents, proofreading and freelance editing. Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. Of the more than 100 ways he has personally made money, writing is his favorite (so far). 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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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer

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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer
Do me a favor and take a quick look in your closet. Overflowing, right? Well, there’s a solution to that problem: selling your used clothes.  It’s a win-win, and you don’t have to wait for a spring-cleaning binge to get started. In fact, you should do it seasonally to stay in vogue.  So tear a page from the Marie Kondo playbook and make one big pile of all your clothes. Yes, even your winter gear from the living room closet. Definitely the swimsuit collection. And all the baby shower clothes that you never even used, too. You may surprise yourself with the amount of clothes you have once you get them all in one place. Kondo recommends that as you sift through your stuff, you ask yourself, “Does this item spark joy?” Nope? Then sell it.  Where to Sell Used Clothes Plenty of apps and websites like Poshmark, Threadflip, Etsy and eBay allow you to sell used clothes online. But maybe you don’t have the technical know-how (or the patience) to do it yourself. Don’t fret. There are several other brick-and-mortar places to pawn off your used clothes, shoes, handbags, accessories — even baby clothes, toys and supplies — to get cash in your pocket by the end of the day. Uptown Cheapskate Want to pop some tags? Uptown Cheapskate is your place. It’s located in 21 states and is a cross between a trendy boutique and a thrift store for young adults. You can sell or trade in men’s and women’s clothes at any of its locations. Trade-ins get 25% bonus store credit.  Brands that do well at Uptown Cheapskate include Urban Outfitters, Levi’s and H&M. If you’re unsure if your clothes will fit in style-wise, visit its website for more info on trending brands and styles. Buffalo Exchange Founded back in 1974, Buffalo Exchange has remained family owned as it has expanded to 18 states and the District of Columbia. The company is a firm believer in reusing and recycling clothes to reduce waste and pollution (and save cash). Each store also partners with local charities.  Pro Tip If you don’t live near a Buffalo Exchange, the company also has a sell-by-mail program. Buffalo Exchange accepts a wide array of clothes for both men and women — vintage, athletic wear, plus sizes and more. Contrary to its name, it does not accept bison at this time. Sorry in advance. Clothes Mentor Clothes Mentor is a one-stop shop for fashionable women’s clothing sized 0 to 26 and maternity wear. It’s a hub for those who want designer brands without designer price tags. Clothes that sell well include Armani, Banana Republic, Saks Fifth Avenue, White House Black Market and others. Shoes, accessories, jewelry and handbags are also accepted. Clothes Mentor has 136 stores across 30 states and, at certain locations, offers personal shoppers who tailor outfits to suit your tastes. Plato’s Closet Ah, the ole standby, Plato’s Closet. You may not have known this was a clothing exchange store, but it’s likely that you’ve caught a glimpse of one of its more than 480 locations in North America — probably tucked between your local Chinese buffet and the grocery store. Plato’s is Winmark Corp.’s most successful clothing exchange franchise, and it’s aimed at teens and young adults. Everyday styles from Abercrombie & Fitch, American Eagle, H&M, Nike and Obey are typically in demand.  FROM THE MAKE MONEY FORUM Extra Income 4/10/19 @ 11:01 AM B This mom needs work! 8/12/19 @ 9:14 AM L Anyone have experience doing an Air B N B? 8/11/19 @ 8:16 AM Passive Income 8/9/19 @ 9:07 AM See more in Make Money or ask a money question Plato’s Closet also buys athletic wear, shoes and accessories.  To see if your wardrobe surplus is a good fit for Plato’s, browse its website for other brands and styles that sell well. Style Encore Another solid option from Winmark Corp. is Style Encore. It’s like Plato’s sibling, only slightly older and more sophisticated. Style Encore accepts women’s clothing from brands like Banana Republic, Calvin Klein, Coach and Kate Spade. Like Clothes Mentor, Style Encore has personal stylists to help you look like a million bucks (without spending a million). It’s Winmark’s newest clothing exchange brand, so locations aren’t as comprehensive as Plato’s. Double-check the store locator to find the closest one to you. Once Upon a Child Last but not least in Winmark’s clothing resale portfolio is Once Upon a Child.  It’s no surprise that child care expenses are a budget buster, but this store can help keep costs down when it comes to baby clothes, supplies and even furniture.  In addition to children’s clothes sized preemie to youth 20, Once Upon a Child will buy used cribs, cradles, strollers, baby electronics, halloween costumes and toys. Even more good news for parents: You won’t have to look very far. Once Upon a Child has more than 380 stores across the U.S. and Canada. Local Consignment Shops If none of the above stores fit the bill, you can always try your nearest consignment shop.  These shops work a little differently than clothing exchanges, because consignment stores may not pay you until your item sells. That means it’s unlikely you’ll walk out with a pocketful of cash. It’s also difficult to predict what brands they will buy, because most local stores don’t have databases and metrics to go off of. Sales are often based on personal taste or season. But hey, anything is better than leaving unused clothes tucked away in the furthest corner of your shelf for years to come.  How to Get the Most Cash From Your Clothes Some things are guesswork when trying to sell your clothes. Stock and styles change, so it’s hard to say for sure which brand or outfit will sell. However, there are a few things you should always take into consideration, no matter the item or the store.  Following these few guidelines will ensure you get the best quote possible. Clean and Fold Your Clothes If it seems like I’m wagging my finger, it’s because I’m wagging my finger. Almost every store listed above recommends washing your clothes before taking them in. Since your payout is based on an associate’s quote after they carefully check each item, you don’t want dirt or food caked to your shirt. It’ll definitely go in the “no” pile. Pro Tip In general, to keep colors bright, you can soak your clothes in salt. Only wash them as needed — inside out and in cool water to avoid fading. Likewise, super wrinkly clothes come across as unwashed, and you don’t want to give that impression. So be sure to fold them neatly before taking them in. Use a Nice Basket or Hamper to Carry Your Clothes Quick! What do you think of when you see trash bags? Trash, right? Not clothes.  Presentation matters. The associates checking your clothes don’t want to sift through trash bags. So after you’ve washed all the clothes you want to sell, fold them and place them in a basket, hamper or box that you can take to the store.  Check for Damage or Pit Stains If you were a shopper, would you buy a shirt that had pit stains or a missing pocket? Didn’t think so. The stores work the same way. They don’t want damaged, stained or heavily faded clothing. Before you take your clothes in, examine [...]
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These Are the 20 Best Hospitals in the U.S.

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These Are the 20 Best Hospitals in the U.S.
When people think of the best medical facility in the U.S. — if not the world — one institution typically comes to mind: the Mayo Clinic. That reputation for excellence is well-deserved, according to U.S. News & World Report’s latest Best Hospitals rankings. The publication says the Rochester, Minnesota-based facility is the best hospital in the nation. It's not the usual... [...]
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FINRA Issues Regulatory Notice Reminding Members of the SEC’s Adoption of a Best Interest Standard of Conduct

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FINRA Issues Regulatory Notice Reminding Members of the SEC’s Adoption of a Best Interest Standard of Conduct
On August 7, the Financial Industry Regulatory Authority (FINRA) issued Regulatory Notice 19-26, reminding members of the Securities and Exchange Commission’s (SEC) adoption of a “best interest” standard of conduct for broker-dealers and a relationship summary (Form CRS) delivery obligation. Regulation Best Interest (Reg BI), adopted by the SEC on June 5, 2019, establishes a “best interest” standard of conduct for broker-dealers and associated persons making a recommendation of any securities transaction or investment strategy involving securities to a retail customer. Other new rules and forms were adopted that will require broker-dealers and investment advisers to provide a Form CRS to retail investors. Firms must comply with Reg BI and the Form CRS delivery obligation by June 30, 2020. In connection with the new rules, a staff committee with representatives from the SEC’s Division of Investment Management, Division of Trading and Markets, Division of Economic and Risk Analysis, Office of Compliance Inspections and Examinations and Office of the General Counsel was established to assist firms with planning for implementation. Firms may send any questions by email to IABDQuestions@sec.gov. In addition, FINRA will produce written and online content and hold in-person meetings and workshops to assist firms with their implementation efforts. A webpage is also available for members to obtain information about the new rules. The Notice is available here. [...]
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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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The Best Summer Jobs for Teens

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The Best Summer Jobs for Teens
Looking for ideas for summer jobs for teens? I’ve compiled some of my favorite ideas to help you get your creative wheels turning! You might also be interested in 5 Work-at-Home Jobs for Beginners and Over 40 Different Income-Earning Ideas. Summer Jobs for Teens Recently, a follower asked me if I had any ideas for some good summer jobs for teens. I asked my Facebook followers for their suggestions and they did not disappoint. You can read the entire post with over 200+ comments here. I’ve picked some of what I felt like were some of the best summer jobs for teens submitted. Hopefully this list will at least give you some ideas if you’re looking for some great summer jobs for your teen (or jobs they can do year-round!) 1. Tutor Of all the suggestions submitted, this one was the top one suggested! Michelle said: “Tutor!!! Summer us great time to offer reading tutoring. There are lesson plans out there and it is a great way to make $$$.” Psst! Are you an adult who is interested in doing online tutoring? Check out the opportunity to teach online with VIPKID. 2. Teach Music Lessons Andrea says: “My friend’s teenage daughter was an accomplished piano player by the time she was in high school and gave lessons as her ‘after school job’ to young kids/beginners. She taught my daughter for over a year. She did her lessons at the children’s homes and it was perfect – she didn’t have to have a ‘studio’ of her own and none of us parents had to worry about shuttling our kids somewhere for lessons!!” By the way, this was something I did as a teen. I taught violin to a number of different students and it was such a good learning and growing experience for me! Oh and parents especially love if you’re willing to drive to their house and teach the lessons! 3. Pet Sit/Walk Dogs Geri said: “My daughters both did pet sitting in their teens. They sat for everything from boa constrictors and hissing cockroaches to dogs and cats. They even took care of goats, chickens, cows, horses and other livestock. Not a skill set every teen has, but they grew up on our farm caring for our animals.” If you love animals, you could also consider working for your local vet. Shannon said, “As a teen, I worked for my local vet clinic cleaning cages, walking dogs, washing laundry, mopping floors, etc. That turned into occasional and then part-time admin work plus assisting vets on house calls as I was just available and willing to learn. Got to interact with so many people and their pets!” 4. Referee Sports Games This is one that we’re looking into having Kathrynne possibly do. Camille said: “My kids referee soccer. They could take the class once they turned 12. It’s been a great experience for all 3 of mine. They are responsible for submitting their availability online, accepting games, and communicating with their assignor.” Andrea said: “My 14-year-old and 12-year-old referee soccer games! They don’t have time to earn as much as a regular job, but my 14-year-old bought himself his own computer after just a couple months of work last summer.” Tracy also posted and said: “My 15-year-old has been doing this for 2 years. It is pretty decent income for that age. Having thick skin to ignore the fans helps.” 5. Babysit (& clean a little, too!) Of course you knew this one had to be on the list! But take note of Melissa’s tip: “Babysitting will absolutely pay the most. If she interacts with the children, does the dishes and tidies up the house she’ll be in more demand and will earn more.” And Celena said: “I have a hard time finding sitters who do more than the bare minimum. When I babysat in college, I always got massive tips and had people calling me all the time. I never understood why until I hired my first babysitter and came home after a late night out to a super messy house, dinner dishes still in the sink, and the sitter on the couch on her phone. Argh.” I 100% agree! Go above and beyond and leave the house cleaner than you found it and you will likely have more jobs than you can take! 6. Wash Windows Danna commented: “I’m a merit badge counselor for Boy Scouts in Entrepreneurship. I recently taught a merit badge clinic and one of the boys in the clinic runs a very successful business. He’s 14 and he washes windows. He started on his own house and his neighbors’ houses when he was 11. He advertises using referrals and NextDoor.com to keep jobs close to his home. At 14 he has 2 employees and makes about $400 a weekend that he works.” 7. Teach Classes Have a skill you are good at or passionate about? Consider teaching a class for younger kids! Hollie suggested this and said: “My daughter and her friend started a cooking class for kids ages 7-12. They did the class 3 times a week for 45 min to 1 hour. Kids could do a week or all 6 weeks. Each day was a different recipe/technique. All recipes were mom approved. They had a good turnout and really enjoyed themselves.” A Few Bonus Ideas Sell things you get for free: “My brother, last summer when he was 14, collected free things off of Facebook groups and Craigslist. He needed help from my mom to go collect the items, but when he got them home he cleaned them up and did his own yard sale/sold some things online. With the money he made, he was able to pay for a summer trip. He and my mom also like to do that by going to the thrift store. It’s amazing what you can find to resell. -Jaclyn” Sell photos: “Also, if she has access to a smart phone, she can take and upload her photos to an app called “foap.” People who want digital images (like for blogs or small businesses, etc.) can buy a license to use her photos she uploads. Foap splits the purchase 50/50 and generally each license is $10 so she’d earn $5 per license sold. If one photo sells 20 licenses, that’s $100 in her pocket. -Crystal” Become a Lifeguard: “My son got certified at the local YMCA and is a Life Guard. He is able to have a flexible schedule with school and the swim team. Works well for him. -Julie” What other ideas for good summer jobs for teens would you add to my list? [...]
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NerdWallet’s Best Credit Cards for Transit Spending

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NerdWallet’s Best Credit Cards for Transit Spending
More than three-quarters of Americans commute by car, but millions of people also use public transit and other shared forms of transportation to get to work. Whether it’s bus/train/cab fare, rideshares, tolls or parking, you may spend hundreds of dollars a month just getting around. Thankfully, several credit cards offer bonus rewards specifically on those costs. Even general travel cards that... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article NerdWallet’s Best Credit Cards for Transit Spending originally appeared on NerdWallet. [...]
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Which Fitness Chain Has the Best Gym Membership for Your Budget?

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Which Fitness Chain Has the Best Gym Membership for Your Budget?
Despite years of adding “lose some weight” to my list of New Year’s resolutions, I have yet to join a gym. Not to make excuses (well, let’s be real — everyone who wants to avoid the gym is making excuses), but I’m incredibly indecisive when it comes to spending money on myself. Except when it comes to food. But getting in shape requires making a decision and a commitment to putting in the work. And it takes an investment — in time and often in money. With so many options out there, how do you pick the best gym membership for you? Our Guide to Finding the Cheapest Gym Membership Let me start by saying choosing a gym is a very personal decision. Size might be a significant factor. Location might be also important to you — maybe if you pass the gym along your normal commute, you won’t be going out of your way. Well, to help make your decision a bit easier, we compiled information from six national workout chains so you can compare availability, costs and features. Some gyms provide free trials, so be sure to take advantage of those offers before signing up for a membership. Writer’s note: Individual membership costs are published as listed online as of May 17, 2019, and they are subject to change. Rates may vary based on location and current promotions. 1. Youfit Health Clubs Where: Youfit Health Clubs has more than 100 locations in 15 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, Pennsylvania, Rhode Island, Tennessee, Texas and Virginia. How Much: The base membership fee is $10 a month. The premium tier (known as “Lime Card” access) costs $21.99 a month. When you sign up for the base membership, you’ll also pay for first and last month dues. Initiation fees vary depending on the membership package. What’s Included: Depending on location, these clubs include top-of-the-line equipment, free weights, group fitness sessions, express circuits, personal trainers, tanning beds and childcare. Premium members can also bring a free guest with them for every visit and can visit any YouFit location. Try It: Get a free guest pass for one-time use. 2. Planet Fitness Where: Planet Fitness has over 1,800 locations in all 50 states, Washington D.C., Puerto Rico, Canada and the Dominican Republic. How Much: Monthly dues are $10 for just one location or $19.99 to use any location. Annual fees are $39.99 and the start-up fee is $1. The $10 membership has no commitment. What’s Included: These gyms include cardio and weight-training equipment, plus fitness training programs for all members. Some locations include massage chairs and tanning services. Many locations are open 24 hours a day. Try It: Find the location nearest you. 3. Crunch Fitness Where: Crunch Fitness has more than 300 locations for its regular gyms and 30 locations for its Signature gyms (which include more classes, upgraded amenities and more). Its gyms are located in 30 states, as well as Washington D.C., Puerto Rico and four Canadian provinces. How Much: A base membership is $9.95 a month, a Peak membership is $21.95 a month and a Peak Results membership is $24.95 a month. Enrollment fees vary from $10 to $49.99 depending on your membership level. The annual fee is $78, prorated at $6.50 a month. What’s Included: Depending on what type of membership you choose, you can take advantage of multiple perks at this gym, including a training orientation with a fitness expert, group fitness classes, online video workouts, tanning and Hydromassage. The Peak and Peak Results memberships can be used at multiple locations. Try It: Try a free one-day trial. 4. LA Fitness Where: LA Fitness has more than 675 locations in 27 states, Washington D.C. and Canada. How Much: Monthly fees start at $24.99 for single-club access or $29.99 for multiple clubs within the same state. Initiation fees are $89. What’s Included: Gyms include state-of-the-art equipment and cardio areas, group fitness classes, indoor heated pools, whirlpool spas and saunas. Some have kids’ clubs, juice bars and basketball and racquetball courts. Try It: Find your local club to request a guest pass online. 5. 24 Hour Fitness Where: 24 Hour Fitness has over 400 locations in 13 states — California, Oregon, Washington, Nevada, Utah, Colorado, Texas, Hawaii, Florida, Virginia, Maryland, New York and New Jersey. How Much: Monthly fees start at $29.99, but can vary based on location and membership level. Members pay a one-time initiation fee, which starts at $29.99, and there’s also a $49.99 annual fee. What’s Included: Gyms include studio and cycle classes. Most facilities also have an indoor lap pool and a Whirlpool. Members can take advantage of personal and group training. Get access to digital workouts you can complete at home without stepping foot in an actual gym. Parents of children ages 6 months to 11 years can drop their kids off for supervised fun time at nearly every location. Try It: Use this three-day free pass. 6. Anytime Fitness Where: Anytime Fitness has more than 4,000 locations in all 50 states and 36 countries across six continents. (That’ll likely soon change, as the chain recently announced plans to expand to Antarctica.) How Much: Membership starts at $29.99 per month, but prices vary depending on location and current promotions. According to Anytime Fitness’s spokesperson, the average membership is $40 a month. Members also pay one-time initiation and key activation fees, which vary depending on the franchise. What’s Included: Members have access to cardio machines, weights and strength training equipment, as well as classes and wellness programs. Some locations offer tanning and personal training. They are open 24 hours a day, 365 days a year. Try It: You can get a free seven-day pass. Other Alternatives to Popular Chain Gyms If none of these chain gyms suit your fancy, you could always join your local YMCA or set up a home gym to get your workouts in. You could also incorporate fitness into your daily routine by trying one of these nine inexpensive gym alternatives. Running is one of the options on that list; this post on tips and tricks for finding discounted running shoes can help ease your stride. Or you could lace up those shoes and march right into the gym! Nicole Dow is a staff writer at The Penny Hoarder. She sympathizes with the struggle of getting in shape.  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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