4 Ways to Earn More on Your Savings — Despite Another Fed Rate Cut

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4 Ways to Earn More on Your Savings — Despite Another Fed Rate Cut
The Federal Reserve lowered its benchmark federal funds rate on Wednesday. It’s the Fed’s third rate cut this year — and bad news for your money sitting in the bank. The interest rates that banks pay on interest-bearing accounts like savings accounts rise and fall with the federal funds rate. So, after the latest Fed rate cut, the chances are good that the interest rate your bank... [...]
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7 Debit Cards That’ll Give You Cash Back (and More!) for Swiping

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

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Free Bic Pens at Target, plus more!
Headed to Target this week? Pick up some free Bic Pens! You can score some great deals on Bic Pens and Pencils at Target! Here’s how: Buy 1 BIC Xtra Life Stic Pens 10 ct – as low as $0.99 Use $1/1 Bic Manufacturer’s Coupon Target Circle offer Free after coupon Buy 1 Bic Mechanical Pencil Packs – as low as $2.29 Use $2/1 Bic Pencils Manufacturer’s Coupon Target Circle offer $0.29 after coupon Thanks, Kosher On A Budget! [...]
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2 Education Tax Credits That Can Make College More Affordable

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2 Education Tax Credits That Can Make College More Affordable
This just in: College is expensive. And whether you’re a student yourself or supporting your spouse or dependent child through school, any break you can get helps. Fortunately, the IRS offers a couple of education tax credits that can ease the financial burdens of college. In other words, these are incentives specifically for students and their parents that can lower the amount of taxes you owe for the year.  Here’s what you need to know about the American Opportunity Tax Credit and the Lifetime Learning Credit, as well as how to determine whether you or your family is eligible. What Is the American Opportunity Tax Credit (AOTC)? The American Opportunity Tax Credit, or AOTC, is a tax incentive designed to help offset the cost of undergraduate degrees. Qualified students, their spouses or parents who claim their child as a as dependent can earn a maximum annual credit of up to $2,500 per year, per student. Here’s how it breaks down: 100% of the first $2,000 of qualified educational expenses, including tuition and fees as well as books, supplies, and equipment needed to complete courses. Up to 25% of the next $2,000.  That comes out to a total possible credit of $2,500. However, if the credit brings down the total amount of tax you owe the government to $0, you can only have 40% of the remaining credit, or up to $1,000, issued to you as a refund. And it’s only available to those in their first four years of college — sorry, super seniors. To be eligible for the AOTC, the student must: Be pursuing a degree or a credential — that is, auditing classes or taking a few courses for your plain old edification won’t cut it. Be enrolled at least half time for at least one academic period, be it a semester, quarter or even a summer session.  Not yet have finished a four-year degree. Not have claimed the AOTC — or the Hope credit, as it used to be called — for four tax years already. Not have a felony drug conviction. You must also have a valid taxpayer identification number on or before the date of filing, and earn less than the specified modified adjusted gross income limits. For 2019, these limits are: $80,000 or less for single filers to get the full credit. $160,000 or less for those married and filing jointly to get the full credit.  If you earn up to $90,000 or $180,000, respectively, you may still be eligible for a reduced credit. To claim the AOTC, you’ll need to get a Form 1098-T Tuition Statement from your school. You’ll then need to fill out Form 8863 and include it with your return at tax time.  What Is the Lifetime Learning Credit (LLC)? Like the AOTC, the Lifetime Learning Credit, or LLC, is a tax credit you can earn to help offset the cost of qualified higher educational expenses. Unlike the AOTC, the Lifetime Learning Credit only covers tuition, fees and other enrollment-related costs; books and supplies are excluded. But this one’s available not only for the first four years of undergrad, but also for graduate and professional degree courses — supporting a lifetime of learning, just as its name implies. There’s no limit to how many years you can file for the credit, which makes it a great option for those considering a midlife career change or taking courses to increase and improve their skills.  That said, this credit can only be claimed once per year per family or individual taxpayer, whereas the AOTC can be claimed per student. (More on that below.) The Lifetime Learning Credit provides eligible students a credit of up to $2,000 per tax return. (Again, the tax-speak specifics: It’s up to 20% of the first $10,000 of qualified educational expenses.)  However, if the Lifetime Learning Credit brings your tax bill to $0, you won’t receive a refund for the remaining amount. Here are the eligibility requirements for the credit: You must be paying for qualified expenses related to higher education, like tuition. Those educational expenses must be paid for a student who’s enrolled at an eligible institution. That student must be you, your spouse or your dependent. The Lifetime Learning Credit is subject to the following income limits in 2019: $58,000 or less for single filers to get the full credit.  $116,000 or less for joint filers to get the full credit.  If you earn between $58,000 an $68,000 as a singleton or up to $136,000 as a married couple, you may qualify for a partial credit. Just as with the AOTC, you’ll need to get a tuition statement from your school and file Form 8863 at tax time.  Am I Eligible for One of These Education Tax Credits — or Both? Still not sure you’re eligible for either of these education tax credits? What if you meet the requirements for both? Unfortunately, you can’t claim both the Lifetime Learning Credit and the AOTC on a single child. Parents can claim the AOTC on multiple children, and you can claim the LLC during the same year, but you can only claim the LLC once — and not on a kid you’ve already claimed the AOTC for. In other words, the AOTC is a per-student tax credit, while the Lifetime Learning Credit is a per-taxpayer tax credit. That said, there’s another, easier way to figure out exactly what you and your family are eligible for. Although it’s not exactly known for its speediness or cutting-edge technological advances, the IRS is slowly but steadily moving into the world of the 21st century — and has created an interactive app to help you determine if you qualify for either of these educational tax credits. It’ll also let you know if you can claim a deduction for tuition and fees. And if you’re paying sky-high tuition bills, it’s well worth sitting down for a few minutes with your paperwork and seeing if you can get a break this April. Just one word to the wise: Make sure you’re actually eligible, or you could get audited and be forced to repay any credit you erroneously received with interest. You might also be banned for claiming the credit for up to a decade. Now, if only they’d come up with an app that could do all your homework for you… Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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7 More Resources I Loved in the Genius Blogger’s Toolkit

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7 More Resources I Loved in the Genius Blogger’s Toolkit
Did you see my post yesterday on 16 resources I loved in the Genius Blogger’s Toolkit? Well, I finished going through the rest of the Toolkit today and I picked out even more that I love! What is the Genius Blogger’s Toolkit? The Genius Blogger’s Toolkit is only offered for 6 days once a year (though they usually have a 2-day flash sale, too!). It is an opportunity to get a huge bundle of some of the BEST blogging resources around at a CRAZY discount. It’s all-new this year with a completely different line-up of resources on every topic you can think of related to blogging. And it’s once again packed with some of the most top-notch blogging courses, ebooks, and programs. What’s the Catch? Yes, you can get thousands of dollars worth of resources for one tiny but terrific price. But, the catch is that it’s only available through Monday, October 7, 2019. After that, it goes away and if you want to buy the resources, you’ll have to buy them individually — and likely at full price! But I Don’t Think I’ll Use All of the Resources Trust me, NO ONE should be trying to go through and use all of the resources in this Toolkit. That would be pretty near impossible to do — if you actually wanted to have time to run your business, too! 🙂 Instead, I encourage you to look at the list of resources that are in this Toolkit and see if there are some that look like they would be really valuable to you. If so, is the price of them worth more than the price of the bundle? Also, do you have the time to go through them? If the answer is yes to both of these two questions, I definitely recommend investing in the Toolkit. I’m Going Through All the Resources for You! Okay, so I know I said that no one should go through all of the resources and try to use them. BUT, I did personally go through all of them for you. No, I didn’t read every word or watch every video, but I spent hours yesterday and today skimming through all 94 different resources in order to tell you about which ones are my favorites and those I think are most worth going through. If you missed yesterday’s post, here are 16 of my favorite resources in the Genius Blogger’s Toolkit. 7 More Resources I Loved in the Genius Blogger’s Toolkit I finished going through the rest of the ebooks and courses and programs today that I didn’t get to yesterday and I picked 7 more that I really highly recommend: The Blogger’s Simple Guide to Taxes — I highly recommend this ebook for everyone if you are starting a blog and planning to earn any money at all from it (or even if you’re not planning to earn money from it!) It gives you can overview of all of the basics you need to know when it comes to deductions, filing your taxes, and what you need to report. The Authentic Blog Project — “Don’t show up for your audience in hopes of being accepted by them. Instead, show up because you are happy with yourself and you are perfectly happy to be seen as you are.” I loved this quote in this ebook! While very different from many of the resources in the bundle, I thought it was so invaluable and well worth reading. Smart Email List Building — If you’ve been wanting to start an email list, this course will walk you through all of the basics you need to know. I thought the videos were a little bland, but the content was solid and worthwhile. ROI Action Plan: Where to Focus Your Time to Make the Most Money When You Have Limited Time — I loved Caroline’s honesty and enthusiasm in this course + her very practical advice on what you should be focusing on as a blogger. Sales Page Starter Kit — If you are planning to launch any type of product in the near future, this is a helpful and short course on how to put together a winning sales page. It gives you lots of practical suggestions for how to write copy and headlines for your sales page that will convert to buyers. WordPress 5.0 Masterclass — This is a very comprehensive overview of WordPress 5.0 and Gutenberg. If you’ve been scared of switching over to Gutenberg, this thorough course will help you feel much more comfortable with using it. Plus, you’ll learn lots of tricks and tips for making the most of WordPress. YouTube Takeoff — Thinking of starting a YouTube channel? This well done course walks you through everything you need to know to set up and launch your YouTube channel successfully. Remember, the Genius Blogger’s Toolkit is only available until Monday. After that, it goes away and you’ll have to pay full price for each of the courses individually. Don’t miss out! Click here to purchase it while you can! [...]
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Kohl’s: Men’s Boat Shoes only $16.79, plus more!

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

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Telemarketers on the Hook for Spam Texts — Plus More Class-Action Settlements
Several new class-action settlements involve violations of the Telephone Consumer Protection Act, a federal law that bans spam texts, unsolicited sales calls that use auto dialers, and spam faxes. See if you qualify for any of the latest settlements, which also involve fake price schemes, a data breach and broken treadmill accessories. YouFit Text Ads YouFit Health Clubs LLC has agreed to a $1.4 million settlement regarding allegations that the company violated the Telephone Consumer Protection Act. The class action lawsuit, filed in July 2018, alleged the company sent unsolicited texts to cell phones between July 25, 2014 and May 15, 2018. The text messages advertised YouFit’s $0 down promotion. Consumers who received the unwanted texts and who were not already YouFit members could be eligible for a $7.50 settlement. The deadline to file a claim is Nov. 15, 2019. For full details, click here. FROM THE MAKE MONEY FORUM Laptops 9/5/19 @ 5:32 PM WORK AT HOME 8/30/19 @ 6:14 PM T Work from home Southern_MiMi 9/3/19 @ 1:44 PM HOW TO START YOUR OWN ONLINE TUTORING BUSINESS? 9/4/19 @ 2:05 PM See more in Make Money or ask a money question Gap and Banana Republic Outlet Pricing Customers who shopped at Gap or Banana Republic outlet stores may be eligible for part of a $3.75 million class-action settlement. If you bought merchandise in person or online from a Gap Outlet, Gap Factory Store or Banana Republic Factory Store between May 24, 2010 and May 10, 2019, you could have been duped by an alleged falsely referenced pricing scheme. California, New Jersey and Florida customers alleged the Gap and Banana Republic factory stores used fake reference prices to make the merchandise appear it was offered at a great savings at the outlet stores. The suit claims the items at the outlet stores were never offered for sale at any regular retail outlets. The settlement allows customers who bought items during the specified timeline to receive $6 to $12 in store credit. For the full scoop, click here and submit your valid claim by the Jan. 6, 2020 deadline. Equifax Data Breach The credit bureau Equifax has agreed to settle claims from its 2017 data breach for at least $380.5 million. Almost 147 million people were affected by the leak of personal and financial data, amounting to one of the largest breaches in history. Plaintiffs claimed Equifax took inadequate cybersecurity measures that made their personal information vulnerable to hackers. Affected consumers are eligible for either free credit monitoring services or a $125 cash payment. The settlement also provides a maximum of $20,000 expense reimbursement if the data breach resulted in out-of-pocket costs to the consumer, and a minimum of seven years of free identity restoration services. The due date to file claims for credit monitoring services, alternative reimbursement compensation and Equifax subscription product reimbursement is Jan. 22, 2020. If you plan to file a claim, experts say to consider the risk of future identity theft. Choosing the credit monitoring and identity theft services could be a better option than taking the money. For complete details on this settlement that affects nearly half of the U.S. population, click here. Precor Treadmill Heart Rate Monitor Precor has agreed to settle a class-action lawsuit over allegations its treadmill heart rate chest straps were defective. You could benefit from the settlement if you purchased Precor treadmills (models 9.23, 9.33, 9.27, 9.35, TRM 211, TRM 243, TRM 223, TRM 425, or TRM 445) between May 16, 2010 and Dec. 26, 2018 (for residents of California, Illinois, Missouri, New Jersey or New York) or between Dec. 26, 2014 and Dec. 26, 2018 (for residents of all other states). Potential awards are as follows for anyone who submits a claim that includes the covered treadmill’s serial number: Models TRM 223 or TRM 243: a free Precor treadmill-compatible heart rate chest strap. Models 9.23 or TRM 211: a free Bluetooth-compatible heart rate chest strap. Models 9.27, 9.33, 9.35, TRM 425, or TRM 445: one year extended warranty coverage on treadmill heart rate chest strap. Click here for more information. You’ll need to file a claim quickly. The deadline is Sept. 11, 2019. Massage Envy Membership Rates Members of Massage Envy between Nov. 4, 2006 and June 7, 2019 could be eligible for part of a $10 million settlement regarding claims the company unfairly increased monthly membership rates. Plaintiffs alleged the spa increased membership fees on a continual basis without alerting customers in advance. Members also may qualify for a voucher worth $10 to $50 if they submit a request by Sept. 20, 2019. The voucher depends on the amount paid in fee increases: $10 voucher: paid $75 or less in fee increases $20 voucher: paid $75.01 to $125 in fee increases  $30 voucher: paid $125.01 to $175 in fee increases  $40 voucher: paid $175.01 to $225 in fee increases $50 voucher: paid $225.01 or more in fee increases For complete details, click here. Experian Public Records If you requested and received a copy of your credit report from Experian between Jan. 15, 2011 and Sept. 21, 2018 that included a public record (bankruptcy, judgement or tax lien), you could be eligible for free credit monitoring. Also included in this settlement are individuals who had a credit report provided to a third party (such as a lender) between Jan. 15, 2014 and Sept. 21, 2018 that included an inaccurately reported tax lien or civil judgement. Without admitting any wrongdoing, Experian has settled claims that it failed to sufficiently report civil judgement and tax lien public records due to its own inadequate procedures for obtaining the information. Consumers may receive two years of Experian IdentityWorks Plus credit monitoring service at no charge, and also may participate in a mediation program to request financial compensation. The deadline to file your valid claim is Aug. 22, 2020. Click here for more details. Seagram’s Ginger Ale  If you bought Seagram’s Ginger Ale between April 1, 2013 and June 13, 2019, you could be eligible for a portion of a $2.45 million class-action settlement resolving claims Coca-Cola falsely labeled the products as containing “real ginger. The lawsuit was filed in December 2016 alleging Seagram’s Ginger Ale products were deceptively marketed as containing real ginger, which would intentionally lead shoppers to believe the soft drinks consisted of real ginger root. The products allegedly have a chemical flavoring designed to imitate the taste of ginger and no real ginger root at all. The purchase of 2-liter bottle, a 20-ounce bottle, a 12-pack of 12-ounce cans, or a 10-pack of 7.5-ounce cans are each considered a single product.  Claims for 1-5 units will be compensated with $4. If you don’t have proof of purchase, you can claim up to 13 units per household and receive a payment of $10.40. With proof of purchase, consumers can collect up to $80 for 100 units. Click here for details and to file a claim by the Sept. 5, 2019 deadline. Enagic Unwanted Phone Calls Water filter company Enagic has agreed to a $27.6 million lawsuit settlement regarding claims the company violated the Telephone Consumer Protection Act. Eligible cla [...]
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Old Navy: Kids Uniform Polos only $3.40, plus more!

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

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

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

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

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

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

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*HOT* Adidas Men’s Running Shoes only $24.50 shipped (Reg. $70), plus more!
This post may contain affiliate links. Read my disclosure policy here. Adidas is offering some HOT deals on shoes right now that you don’t want to miss! Right now, Adidas is having an End of Season Sale where you can save up to 50% off select shoes and apparel! Plus, you can save an extra 30% off when you use the promo code SAVE30 at checkout! Shipping is free. Here are some HOT deals you can score… Adidas Men’s Lite Racer Running Shoes – $35 (regularly $70) Use promo code SAVE30 (30% off) Shipping is free $24.50 shipped after promo code Adidas Men’s Questar TND Running Shoes – $45 (regularly $90) Use promo code SAVE30 (30% off) Shipping is free $31.50 shipped after promo code Adidas Men’s Duramo Slides – $10 (regularly $20) Use promo code SAVE30 (30% off) Shipping is free $7 shipped after promo code Shop the Adidas sale here. Valid through July 15, 2019. Thanks, Hip2Save! [...]
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Kroger 2-Day Sale: FREE Dannon Danimals, $0.99 Yoplait Go-Gurt, plus more!

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

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An Insider Explanation of Programming vs Coding: Jobs, Salaries and More
Coding and programming are often touted by career advisers as ways to future-proof your job. In movies, these tech pros are portrayed by keyboarding-clanking, socially reclusive geniuses who have the divine gift of speaking the language of computers and work in tech hubs like San Francisco. The message being: You either get it, or you don’t. The reality is much more nuanced. It doesn’t help that the terms “coding” and “programming” are often used interchangeably. There are a few key differences, and knowing them is crucial in understanding the career prospects in the field — and how coding will inevitably affect most of our professional lives in the future. Coding vs Programming: What Are the Differences? In the simplest terms, coding is the act of writing computer languages. The most popular ones include: Java, HTML, Python, C++ and Ruby on Rails. Like spoken language, the basics of code are fairly easy to pick up — just as a beginning French student can repeat basic words and sentences. But, like French students, coders aren’t fluent yet. Programming, on the other hand, is the bigger picture. Programmers certainly know how to code, but they also understand the context and environment the code is in. Think French novelist versus French student. The novelist is creating the setting, the plot and the characters, while the student is applying the basic rules of grammar to form sentences. “Every square is a rectangle, but not every rectangle is a square,” says Arshad Wala, a distinguished faculty member at General Assembly, a school that trains working professionals in data, design, programming and digital marketing. How to Become a Programmer or Coder There are several ways to break into computer programming: self-directed study, coding bootcamps and formal college education. Each method comes with its own perks. Coursera and other online education platforms offer free coding courses that cover the basics and can be completed on any schedule at any time, and there are several free coding apps to keep your skills fresh. The “hacker mentality” is still accepted in the industry, Wala says, meaning companies don’t really care how the coder was educated — all that matters is that they can write code. Every square is a rectangle, but not every rectangle is not a square. But it’s hard to learn a language alone. That’s where boot camps like General Assembly come in. Boot camps offer hands-on training in a classroom environment and are usually taught by working professionals in the field. There are campuses across the country with programs designed to equip students with the basic skills to get a new job ASAP. Some programs last as little as 10 days and are fast-tracks to landing coding gigs. To become a programmer, however, it usually takes seniority as a coder or a college degree in computer programming or computer sciences. “You either got to prove yourself,” Wala says, “or come in with some formal education.” That’s because the responsibilities for a programmer are higher-stakes. In addition to writing some code, programmers take a more managerial approach in planning an application, program, website or feature as a whole. They may also determine which programming language a project requires, which would affect what kind of coders are needed. Career Prospects for Coders and Programmers For the time being, both programming and coding jobs are hot and the salaries are high. According to the Bureau of Labor Statistics latest data, computer programmers are making much more than the average American: $45,640 more. Computer programmers make a median salary of $84,280. Coders aren’t in that league, but they can earn a good living with little formal education. Even the lowest paid coders earn more than $48,000 — well above the national median income of $38,640. On the job front, programming opportunities are expanding outside Silicon Valley. While California still has the highest employment levels, Texas was a close second, beating out New York. Illinois and Florida also made the top five. “You go back 15 years, it was San Francisco,” Wala says. “But it’s truly everywhere… and that’s the exciting part.” Job prospects will be best for programmers who have a bachelor’s degree or higher and knowledge of a variety of programming languages. – Bureau of Labor Statistics If you’re considering a career as a coder, there are some coming trends to consider before applying to the nearest coding bootcamp. Namely: automation and saturation. By 2026, programming industry employment is slated to decrease by 7%. And the hammer is going to fall harder on coders than programmers. Wala foresees code becoming a part of our everyday lives, sort of like typing and other basic computer skills. In the not-too-distant past, typists were well-paying jobs. People used to list their words per minute on resumes. But as almost every school in the nation incorporated typing classes into the curriculum, the job became unnecessary. The same goes for coding. Add in the coming wave of computer-automated coding, and the 7-point drop in employment becomes the tip of the iceberg. “You should all learn coding, but this as a career is going to be dead,” he says. “The focus on coding [as a job] should be secondary.” Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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