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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