Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor […] The post This week in fintech appeared first on Daily Fintech.
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. Payments processor Adyen has prized eBay away from PayPal and a high profile customer from Square. Is there a changing of the guard afoot in the global fintech […]
The post Payments giants battle it out for the new breed of retail customer appeared first on Daily Fintech. [...]
Need to ‘voice’ and share your fintech insights with industry peers and experts? Look no further. Sign up to be part of Conversations today. Daily Fintech Conversations integrates our publishing and forum into a single platform. The purpose of both is to enable conversations that make good things happen. Most of us understand instinctively how to have […]
The post Announcing Daily Fintech Conversations appeared first on Daily Fintech. [...]
If you were born in 1960 or later, your full retirement age is 67 for Social Security. For most people born in 1960, the retirement window starts in 2022, when they can begin taking Social Security benefits early, or as late as 2030, when benefits hit their peak. Of course, if your finances permit, you...
Liz Weston is a writer at NerdWallet. Email: firstname.lastname@example.org. Twitter: @lizweston.
The article When Can I Retire If I Was Born in 1960? originally appeared on NerdWallet. [...]
Order this super deal on the Play-Doh Cranky the Octopus while it is available. You can purchase this now and use it as a gift idea later in the year. You can order the Play-Doh Cranky the Octopus for only $8.39. You will be saving 51% because it is usually $16.99. Be sure that you ... Read More about Play-Doh Cranky the Octopus
The post Play-Doh Cranky the Octopus appeared first on Penny Pinchin' Mom. [...]
Chase has landed another airline as a travel transfer partner. As of Aug. 25, 2019, cardholders with eligible Chase credit cards have the option of transferring their Chase Ultimate Rewards® points into Emirates Skywards miles at a 1:1 ratio. Emirates Skywards is the loyalty program for Emirates and flydubai, two airlines based in Dubai. The addition gives...
Claire Tsosie is a writer at NerdWallet. Email: email@example.com. Twitter: @ideclaire7.
The article Chase Adds Emirates Skywards as Airline Transfer Partner originally appeared on NerdWallet. [...]
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech revolution. Once a week Daily Fintech’s Editor summarises these posts for the time challenged to give you a peek at what you […]
The post This week in FinTech appeared first on Daily Fintech. [...]
The Back to School deals have started! Check out these amazing deals Office Depot/Office Max is offering this week.
Here are the back to school deals at Office Depot/Office Max for the week of July 21-27, 2019:
Office Depot JustBasics Spiral Notebook – $0.10
Office Depot Composition Books – $0.50
Office Depot 3 x 5 Index Cards, 100 ct – $0.50
Office Depot 2-Hole Manual Pencil Sharpener – $0.50
Pencil Boxes – $1.50
Westcott Printed & Jelly Scissors – $2
Sharpie Highlighters 4 pk – $2.99
Pencil Accesory Value Pack 110 ct – $4
Paper Mate Flair Porous-Point Pens 12-pack – $9.99
Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. [...]
You work hard to be a responsible credit user.
You pay your bills on time; you try to use your credit card only when you have to; and you have a few different credit accounts, all in good standing. You even know what a credit utilization ratio is and why it matters. That’s some next-level credit card management!
But no matter what you do, your credit score never budges over 700. And you are so, so frustrated by the whole dang thing.
We don’t blame you. It’s hard to feel like you’re doing everything you’re supposed to, only to have an algorithm spit out a seemingly inexplicable three-digit number that brands you as “lesser than” in the eyes of the world’s financial institutions — especially when that three-digit number controls so much of your life.
But don’t give up! These three moves might be the kickstart you need to get your credit score moving in the right direction — and best of all, you can do them right this week.
1. Write a “Goodwill Letter” to Your Creditors
If your credit history is generally pretty good, save for a couple of missteps, then a well-executed goodwill letter may be one way to get those slip-ups removed from your report.
You’ll want to cover the following bases when writing your goodwill letter:
Explain why and how long you have been a loyal customer of the creditor.
Take responsibility for the mistakes that led to the blemishes on your credit history.
Describe the steps you are taking to ensure they don’t happen again.
Appeal to your audience’s sense of empathy. Show that you want forgiveness but also that you are determined to do better going forward. Show them you deserve this!
Keep your letter concise, clear and to the point.
Don’t forget to include important information, like your account number and the date and amount of the missed payment you want removed from your credit history.
Once you’ve written your goodwill letter, address it using the information on the creditor’s website, cross your fingers for good luck, and drop it in the mailbox.
2. Check Your Credit Report for Errors
Credit reporting agencies generally do a pretty thorough job of collecting your credit history, but that doesn’t mean they are infallible. In fact, one out of five credit reports has an error, according to a study by the Federal Trade Commission.
And those errors could mean the difference between a credit score in the 600s and one in the 700s.
Jamie Cattanach saw this firsthand as a victim of identity theft. She pulled her credit report and saw her score had plummeted to just below 600 after someone opened an AT&T account using her information. She got to work disputing the errors, and after writing just one letter, she was on the road to rebuilding her credit. Within a few years, her credit score was well over 700.
To keep a closer eye on your credit, get your credit score and a “credit report card” for free from Credit Sesame. It breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and how to address it.
Because it simplifies everything, you should be able to spot any errors. For instance, if you find an “unpaid” credit card that you know you paid, or a bill in collections you know never existed, you can dispute the incorrect information and raise your credit score.
The proof is in the numbers: 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.*
3. Consolidate Your Debt With a Better Loan
So now you’ve appealed to the better angels of your creditor’s nature, and you’ve gone over your credit report with a fine-tooth comb and a magnifying glass in search of errors you can dispute.
Your next step is to take your high-interest debt and consolidate it into a single loan with a lower interest rate. One payment per month is way easier to keep track of than three or four, right? That means fewer chances to be late on a payment, which means fewer opportunities for your credit score to take a hit.
And best of all: The lower interest rate means you’ll be spending less money on your debt in the long run.
Through Upgrade, you can borrow between $1,000 and $50,000, at interest rates of 7.99% to 35.89%, depending on your credit history.
What if you’ve been turned down for a loan? Wouldn’t it be helpful to have access to advice on how to improve your credit to be approved next time? And wouldn’t it be nice to have free credit monitoring thrown into the deal?
Those are some of the benefits of going with Upgrade, an online lending platform.
Upgrade will throw in free credit monitoring, alerts and educational features. If your loan application through Upgrade is denied, these credit tools will still guide you to improve your credit to help you get approved in the future.
Now you’ve got three tactics you can use to get your credit score right where you want it. Good luck — you’ve got this!
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. [...]
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.).
For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here.
Well, it was another week of travel and adventures — so I didn’t track what we ate in order to share in a post. But I did make it to Kroger twice and Sprouts once and got some great deals.
I thought it would be fun to share a little peek into our week + what I bought at the grocery store.
For Father’s Day, Jesse wanted to try out this new brunch restaurant in town. It was delicious and we had fun celebrating this man we love so much!
We also ran by Kroger and Sprouts to pick up some deals. Sprouts was having their weekend deals and I didn’t want to miss them.
Sprouts Shopping Trip
Sweet corn — 6 for $1 (weekend deal)
3 dozen cage free eggs — $1.88 per dozen (weekend deal)
1 Coconut Bliss “ice cream” — used free coupon (I got the Peanut Butter Chocolate and it is good!) — I forgot to take this out of the freezer to put in the photo!
Total with tax: $7.49
I also wanted to get to grab a few of the Kroger Buy 5, Get $5 off deals on Sunday since I knew I was going to be out of town for the next few days. I especially wanted to get 5 boxes of the $0.99 Quaker Granola bars.
Kroger Shopping Trip #1
5 boxes of Quaker Granola Bars — $0.99 each when you buy 5 participating items
2 bags Jef Puffed Marshmallows — marked down to $0.69 each (I’m going to stick these in the freezer for rice krispy treats.)
3 packages of Hillshire Sausage — $1.88 each with weekend deal
Private Selection Barbecue Sauce — used free coupon (no longer available)
1 bag Kroger Pot Roast — marked down to $5.49
5 bags of produce — marked down to $0.99 per bag
2 packages of ground turkey — marked down to $2.69 each
Izzio Multigrain Bread — marked down to $1.29
Spinach — marked down to $1.79
5 packages of Goldfish — $0.99 each when you buy 5 participating items
Kroger Private Selection ice cream (not pictured — I forgot to take it out of the freezer for the picture!) — used free coupon (no longer available)
Milk — $2.69
Kroger oatmeal — $1.59, used $0.40/1 coupon Kroger mailed to me = $1.09
Total with tax: $42.12
I left on Monday morning to fly to Dallas for my mom to have surgery.
My Time in Kansas
I rode back to Wichita, KS with my parents on Monday evening after my mom’s surgery and I stayed with them through Wednesday evening. I got to hang out with my mom and help take care of her during the day while my dad went to work.
In addition to getting to spend lots of time talking with her, I helped a little with my brother’s eBay business (my Mom and sister are running the business for him while he’s away serving as a counselor at the Wild’s camp in NC), and make yummy food for my mom and me (she’s the one who first inspired me to love salads so much!)
I flew back to TN on Wednesday night — just in time to celebrate Kaitlynn’s birthday on Thursday! Can you believe she is 12?
I wrote a letter to her here that shares some of my thoughts on her life and the joy and spark she brings to us.
I always take each child out on a birthday date of their choosing. Kaitlynn chose to go to a place that makes rolled ice cream and Bubble Milk Tea. It was my first time to have both of them and we had such a fun outing together!
Our Trip to Iceland
As many of you know, it’s our family goal to visit all 7 continents and 50 states by the time Kathrynne turns 18. We had planned to visit Europe this summer but prices to places like London and Rome are crazy during June and July. However, I found some cheap tickets to Iceland and jumped on them!
So we packed up on Friday morning to head to Iceland… but not before hitting the Friday-Saturday Kroger deals (I couldn’t pass up $0.99 cheese!)
Kroger Shopping Trip #2
4 bags of Kettle chips, 1 bag of Snyder’s pretzel’s — $0.99 each with Friday-Saturday deals
5 packages of Kroger cheese — $0.99 each with Friday-Saturday deals
5 bottles of Pace salsa — $0.99 each with Friday-Saturday deals
1 package bacon — $2.99 with Friday-Saturday deals
Total with tax: $18.96
Grocery Totals: $68.75
Cashback Earned: 375 points back from Fetch, $0.06 from CoinOut,
Want to follow along with our Iceland trip and get tips for how we are doing it on a budget? Be sure to follow my stories on Instagram this week! [...]
Sometimes the most lucrative sign-up bonuses aren’t available online. We spotted this sign-up bonus for the Southwest Rapid Rewards® Priority Credit Card in the wild world of in-flight reading materials. • Offer: Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open. • Seen: June 15, 2019,...
Meghan Coyle is a writer at NerdWallet. Email: firstname.lastname@example.org.
The article Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants originally appeared on NerdWallet. [...]
Looking for all the best weekly CVS deals? Check out this list of the hottest deals you’ll find in-store this week!
Here are the best deals at CVS this week, with a big thanks to Passionate Penny Pincher for her help in compiling them:
Buy 2 Maybelline Eye Brow Liner – $4.99, Get $6 ECBs (Limit 1)
Used (2) $3/1 Maybelline Eye Product printable will need to sign up can get 2 coupons when signing up
Pay $3.98 out of pocket, Get $6 ECBs
Free plus $2.02 moneymaker after coupons and ECBs
Buy 1 Colgate Total TS or Max Toothpaste at $3.49, Get $2 ECBs (Limit 2)
Use $1/1 printable
Pay $2.49 out of pocket, Get $2 ECBs
$0.49 after coupon and ECBs
Buy 1 Hershey King Size at $1.88, Get $1 ECBs (Limit 1)
Pay $1.88 out of pocket, Get $1 ECBs
$0.88 after ECBS
Buy 1 General Mills Cereal at $2.88, Get $1 ECBs (Limit 1)
Pay $2.88 out of pocket, Get $1 ECBs
$1.88 after ECBS
Buy 1 Physician Formula Make Up Staring at $9.99, Get $7 ECBs
Pay $9.99 out of pocket, Get $7 ECBs
$2.99 after ECBs
Buy 2 Scott Toilet Paper (18 roll) at $7.99, Get $5 ECBs (Limit 1)
Use $0.55/1 Scott Bath Tissue printable
Pay $14.88 out of pocket, Get $5 ECBs
$4.94 each after coupons and ECBs
Buy 1 Coppertone Sunscreen at $9.99, Get $2 ECBs (Limit 1)
Use $2/1 printable
Pay $7.99 out of pocket, Get $2 ECBs
$5.99 after coupon and ECBs
Buy 1 Finishing Touch Flawless Face or Brow at $19.99, Get $5 ECBs (Limit 1)
Pay $19.99 out of pocket, Get $5 ECBs
$14.99 after ECBs
Spend $20, Get $5 ECBs (Limit 1)
Buy 2 Charmin Toilet Paper (6 Mega Roll) or Bounty Paper Towels (4 rolls) – $6.99
Buy 1 Tide Pods (12 -16 ct) – $4.94
Buy 1 Dawn Dish Soap – $0.99
Use $2/1 Tide App coupon or $2/1 Tide coupon from the 5/26 P&G insert
Pay $17.91 out of pocket, Get $5 ECBs
$4.30 each after coupons and ECBs
Buy 3 Tide Pods (12 -16 ct) – $4.94
Buy 1 Charmin Toilet Paper (6 Mega Roll) or Bounty Paper Towels (4 rolls) – $6.99
Use $2/1 Tide App coupon and (2) $2/1 Tide coupon from the 5/26 P&G insert
Pay $15.81 out of pocket, Get $5 ECBs
$2.70 each after coupons and ECBs
Spend $25, Get $7 ECBs (Limit 1)
Buy 2 Huggies Diapers at $12.49 (Buy 1, Get 1 50% OFF)
Buy 2 Pampers Wipes – $2.99
Use (2) $1/1 printable
Use $0.50/1 Pampers Wipes App coupon
Pay $22.21 out of pocket, Get $7 ECBs
$7.60 each after coupons and ECBs
Deals In Ad
M&M Candy (9 oz) – $2.50
Use $1/2 coupon from the 6/16 SmartSource insert
Use $1/2 CVS coupon from CVS machine
$1.50 each after coupons
Tide Simply Laundry Detergent (40 oz) – $2.94
Use $1/1 App coupon
$1.94 after coupon
New to shopping at CVS? Be sure to check out my CVS 101 post that gives you the full scoop on how to get the best bargains at CVS. See the full list of deals at CVS here. [...]
Bank of America® and Alaska Airlines recently rolled out new perks for cardholders of the Alaska Airlines Visa Signature® credit card. New and existing cardholders get 20% back on Alaska Airlines in-flight purchases and a 50% discount on lounge day passes when they pay with their Alaska Airlines Visa Signature® credit card. Here’s what you...
Meghan Coyle is a writer at NerdWallet. Email: email@example.com.
The article Alaska Airlines Credit Card Adds Discounts for Lounge Access, In-Flight Purchases originally appeared on NerdWallet. [...]
The post 8 Things Private Equity Firms Look for in Companies appeared first on ONEtoONE Corporate Finance. [...]
The post 8 Things Private Equity Firms Look for in Companies appeared first on ONEtoONE Corporate Finance. [...]
Several programs forgive or repay a portion of your pharmacy school loans if you meet the requirements, such as working in the public sector or in an underserved area for a certain amount of time. A pharmacist loan forgiveness program may be the right option if your career plans align with one of these program’s...
Teddy Nykiel is a writer at NerdWallet. Email: firstname.lastname@example.org. Twitter: @teddynykiel.
The article 7 Pharmacist Loan Forgiveness Programs originally appeared on NerdWallet. [...]
Diego Cervo / Shutterstock.com Dollar stores lure us in with rock-bottom prices. Sometimes you get what you pay for, but often the things they sell are good products at a tremendous discount — a real bargain. Here’s what bargain-shopping experts say are among the best buys at dollar stores. [...]
Night lights are so much fun for kids, and this one looks really awesome! You can get the Mickey Mouse Clubhouse Projectables LED Plug-In Night Light for only $8.47. You will be saving 47% on this purchase because it is normally 14.99. This night light provides a soft red glow while projecting a Mickey Mouse ... Read More about Mickey Mouse Clubhouse Projectables LED Plug-In Night Light
The post Mickey Mouse Clubhouse Projectables LED Plug-In Night Light appeared first on Penny Pinchin' Mom. [...]
Love Blue Diamond Almond Breeze products? Buy three and get a free Toy Story 4 Movie Ticket!
Through August 2nd, score a free Toy Story 4 Movie Ticket when you buy 3 Blue Diamond Almond Breeze products!
Simply purchase the products in one transaction by August 2nd and then upload your receipt by September 2nd.
Thanks, Freebie Shark! [...]
Millions of Americans depend on Social Security as the financial foundation of their retirement. Yet, nearly 70% percent of older people cannot correctly identify the age at which they are eligible for full retirement benefits. That finding — courtesy of a recent survey by the Nationwide Retirement Institute — has profound implications for how well people will live in retirement. [...]
It marks the 12 consecutive year in which the large wireless operator has hiked its dividend. [...]