Big names that don’t make money

SPOTIFY lost $276 million in 2014 despite earning $1.82 billion. How do big companies like Amazon, Uber and Twitter survive without profits?

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Australia’s $200m start-up wunderkind

WHEN Melanie Perkins launched her first company from her mother’s living room as a 19-year-old, she had no idea what she didn’t know.

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How to Find the Time and Money to Start an Online Business

Online businesses rock.

Why? I’ll tell you why . . . .

You can run your online business from anywhere, and you actually don’t need a lot of money to start. There aren’t too many businesses that can boast those advantages!

But still, you’re going to need quite a bit of time and a little bit of money to start your online business.

It certainly takes more than a few minutes every day to get something awesome up and running. And, it takes a little extra cash to really get things moving.

So today, I’d like to show you exactly how you can find the time and money to get your online business off the ground. Hang in there, we have a lot to cover.

Motivate Yourself!

Don’t think that you can make a lot of money starting an online business? Think again. I certainly made a lot, and others have found quite a bit of success as well.

Take for example of Steve’s wife from MyWifeQuitHerJob.com. She started an online store called Bumblebee Linens which replaced her salary of $100k within one year. Amazing. Check out my interview with Steve to learn more about how it was done.

Or take Ramit’s Zero to Launch online course. It had over 30,000 paying students. That’s big money, folks. In fact, it’s a great course you can take to learn how to start making some extra money on the side.

You might be thinking, “Okay Jeff, this is all fantastic. But can I really do this stuff?”

Yes, you can, but you’re going to have to find your passion first.

For example, take my wife’s fitness program. My wife took one of her passions – working out – and turned it into a coaching program. Learn more about how my wife became a fitness coach. I know it will inspire you to take what you already enjoy doing and turn it into a business!

Find Time

Let’s tackle this big one first: finding time.

Here’s the deal . . . it takes quite a bit of effort to find time during your day. Parkinson’s law states that work expands so as to fill the time available for its completion. You know what that means? It means that the stuff you’re already doing is probably taking up your entire day. That means that currently, you really don’t have any time to start an online business.

So, that means you’re doomed. Just joking.

What it really means is that you have to make time. What I mean by “make time” is that you have to either do what you’re already doing much faster than you’re already doing it, or you have to reduce the number of tasks you’re doing each day. I know, bad news, right?

Trust me, there’s a light at the end of the tunnel. Because I decided to focus on the right tasks instead of the ones that didn’t really produce profit for me, I was able to make over $1,097,757 blogging. Making time during my day for my blogging business paid off – big time.

I’m convinced that you can have similar results if you make time during the day for the right tasks. But how do you find this time during the day? Yes, you already know that you either have to say “No” to stuff, or you have to speed up what you’re doing, but what does that really look like from a practical standpoint?

Let’s explore some ways to find time.

1. Dedicate particular days of the week to certain kinds of work.

I absolutely love this idea. At my firm, Alliance Wealth Management, I spend a couple of days at the office doing the tasks that require my attention – I don’t spend my entire week there. Why? Because I realized early on that scheduling and focus are key components of success.

Perhaps right now you’re working a full-time job and when you get home you’re absolutely drained. But maybe you really don’t have to work full-time – maybe you can get away with 30 hours per week instead of 40 hours per week. Imagine what you could build with that extra 10 hours per week!

Did someone say a thriving online business? Yes, I believe they did.

By having certain days of the week dedicated to building your online business, you’ll be able to focus and take advantage of the times of day that you have the most energy.

Many people, for example, find that they have the most energy to get work done in the earlier parts of the day – the morning and the early afternoon. Working in the evening can be quite the chore when you’re drained from everything else you did that day. That’s why it’s a good idea to start your morning off right and work as early as possible – in my opinion.

That leads me to my next tip . . . .

2. Wake up super early.

Don’t get me wrong. I wasn’t always an early bird.

But after I read The Miracle Morning by Hal Elrod, my life changed for the better.

You see, I used to work on my online business late at night. That’s when I did most of my blogging. But when I started having kids, I noticed that I would get off track and find myself scrolling through Facebook instead of focusing on my work. No good.

Hal’s book inspired me to try something different, so I started waking up super early. I now typically wake up at 5am. Sometimes, I wake up even earlier.

Hal’s book isn’t just about waking up early, it’s about finding a routine. You could exercise, read some fiction, eat a healthy breakfast – you name it. The idea is that when you start the day strong, your work day becomes the best it can be.

Check out my podcast with Hal – you just might become an early bird too!

3. Prioritize your daily tasks.

I’d be willing to bet that you have quite a few things you do every day. Perhaps you often get to the end of your day and realize that you didn’t get everything done that you wanted to get done. You’re certainly not alone – a lot of people are in that boat.

That’s why I recommend that you prioritize your daily tasks. But you don’t necessarily have to prioritize all of them, just focus on your five most important tasks in the day. This in itself is prioritizing these five tasks over the other things you have to do during the day, and let me tell you, it works!

I call this the HIGH FIVE™. Which tasks should you choose for your HIGH FIVE™? Simple:

• Tasks that move the needle on your long-term goals like starting an online business
• Tasks that you must get done today or they won’t survive

Have a good mix of the two types of tasks in there, and you’ll do just fine.

Find Money

Okay, so you found some time and know how to focus in on the right tasks at the right time. Now what?

It’s time to find some money baby!

Like I said earlier, it usually doesn’t take much money to start an online business compared to a brick and mortar business. However, if you’re selling tangible goods online you’re still going to need quite a bit of money to start compared to selling ebooks or other information-based products.

So how do you find this money? There are so many ways. Let’s explore.

1. Use a little savings if your business doesn’t require a lot of overhead.

If you’re planning on starting a business with information-based products like ebooks or online courses, I’d say you should go ahead and just use a little bit of your savings to get your online business off the ground.

If you’ve never explored the costs associated with starting an online business, prepare to be amazed. It costs so little, most Americans could afford it no problem.

You can get started for as little as $3.95 per month. That’s right, just $3.95 per month!

That will get you hosting, and everything else is pretty much optional. However, some of the optional expenses might be worth the money, so I’ll show you how to make some money for those expenses as well.

2. Start freelancing.

If you’re struggling to pay your bills but you want to start a substantial online business, consider trying to make some money on the side.

A great way to do this is through freelancing – not being an employee. There’s a difference!

Freelancing has to do with working for multiple companies or people at the same time. It’s also largely identified by being able to set your own hours and your own rates. This gives you greater flexibility to make some extra money on the side without sacrificing your employment at your regular job.

Freelancing is also great for those who seek services, too. Because freelancers aren’t employees, business owners don’t have to pay Social Security on behalf of the freelancer and they also don’t have to pay for their healthcare. When business owners hire freelancers, there’s much less regulation and paperwork to keep track of and file.

As you can see, freelancing is a great option for business owners and laborers alike. So what can you do as a freelancer? There are a number of online freelance jobs:

• Writing
• Editing
• Website design
• Sales
• Accounting
• Data entry
• Tutoring
• Coaching

You can also get a job that requires more physical labor, if that’s your thing. Here are some manual labor jobs that require some sweat:

• Mechanical work
• Dog walking
• Handyman work
• Furniture moving

You get the idea. Many of these jobs you can do on the side as you have time. Consider it! One of these ideas might become your online business – or it might be a means to getting your online business funded!

3. Cut your expenses.

If you’re living paycheck to paycheck, you should consider cutting your expenses. There are a number of areas where you can aim to cut your expenses, and I’d like to focus on those now.

First, take a look at your recurring expenses. This might include cable TV subscriptions, cellular service, magazine subscriptions – anything that you get charged for every month. Many of these expenses can be cut down or completely eliminated. Within a few months, by cutting these expenses, you’ll have enough money to pay for the hosting of your online business and also to pay some freelancers if you want some web design work done, for example.

But don’t just look at the small recurring expenses, look at the big ones too. How much are you paying for rent? Is it too much? Do you have too much space that really isn’t getting utilized? Perhaps you should downsize. It’s not a bad idea! Also, take a look at your car payments. I drove my grandmother’s 1998 Chevy Lumina and arguably saved quite a bit of money. Drive used, reliable cars. Interest payments are horrible – don’t go there!

In addition to taking a hard look at your recurring expenses, take a look at your regular, non-recurring expenses. What do I mean by “regular” expenses? These are those purchases that you might make every day or every other day but add up to a lot of money over the month.

For example, take a look at your eating out expenses. Are you going out to eat every other day? Let’s say you spend just $25 when you go out to eat with your family – I’m being conservative here. Let’s also say that you’re going out to get every other day. That comes to about $375 per month or $4,500 per year. Ouch. Cut back! Try going out to eat perhaps once per week on the weekends – that’s much more reasonable.

4. Get paid for stuff you already do.

Yes, you can get paid for stuff you’re already doing. I’m going to share an awesome tip that will bring in some cash. Are you ready? One word . . . .

InboxDollars. InboxDollars allows you to earn free cash by searching using their search engine. Yep, it’s as easy as that. When you sign up, you’ll also get a free $5 bonus. It’ll probably take you some time to earn a decent amount of money, but for something that only takes a few minutes to sign up for, it’s a great deal.

You can also make some money by doing surveys, answering polls, and playing games with Swagbucks.

Give these two websites a shot and you’ll be making enough to probably cover your hosting and have a little extra left over for any other areas of your online business you want to fund.

Want some more tips on how to make money? Read 100 Ways to Make $100 Fast.

It’s Time to Start Your Online Business!

Alright, I showed you how to find the time and money to start your online business. Now it’s time to actually get started! And don’t worry, I have you covered.

Blogging is a great way to make money online without having to cough up a lot of money. I’ve seen a great deal of success in blogging, and now I’d like to teach you how to do it – free of charge.

Read How to Start Your Own Blog. You’ll be up and running in nearly no time.

Now take a leap and go start your online business!

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Ikea boss pays first tax since 1973

HE’S been living in a tax haven since the 1970s, but the billionaire octogenarian who helped found Ikea has finally paid income tax in his homeland.

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How To Make a Quick $100 This Week

One of my favorite online brokers is offering a pretty cool bonus this month. They’ll give you $100 in free cash just for signing up, investing $1,000 and making one trade.

Your new funds must be posted to your new account within 10 calendar days of account opening, and must remain in the account for 45 calendar days. Your bonus will be posted to your account within 30 calendar days after the end of the 45-calendar-day period is complete.

Fee Disclosure: Motif charges $9.95 for each trade you make, so all totaled you’ll net $90.05 with this bonus.

What the Heck is Motif Investing?

Motif Investing is unique among online brokers.  With Motif, you invest in a cluster of stocks (usually 20 to 30) from a similar field.  For example, you’ll find motifs for Clean Energy, Chinese Internet Companies, Oil & Gas.

Once you choose a motif, you are able to customize it to your liking before you buy.  You can delete the stocks that you don’t want.  You can also choose what percentage of your money will be invested in each individual stock.

If you decide you want to trade one motif, you’ll pay the low fee of $9.95.  Even better, there are no management fees.

In addition, Motif has a platform where you can chat with other investors and share thoughts on particular motifs and stocks.  You can also use your Facebook account to find friends who’ve invested with Motif and include them in your Motif circle.

Motif Will Give You $100 Just to Sign Up

If Motif Investing sounds like something you’d like to join, there is no better time than now.

Here’s the promotion link:  Motif’s $100 Sign Up Bonus

Have you used Motif Investing before?  What are your thoughts?

Good luck Penny Hoarders!

The post How To Make a Quick $100 This Week appeared first on The Penny Hoarder.

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I Left the Coast for a Simpler Life in the Midwest – and You Can, Too

Longing for a simpler, less-expensive life? Don’t fear the seasons or the slower pace of small, Midwestern cities like Madison, Wis. Photo: Richard Hurd

After graduating from college in 2009, I played professional basketball in Israel for three years. When I finished, I moved back to my hometown of Los Angeles, and I figured I’d be there forever. Or if not there, maybe New York City. Or Boston. Or Chicago. Or San Francisco.

All my friends lived in those cities. That’s where it seemed like all the cool young people congregated. In my insular world, those were pretty much my only options. I figured everyone else my age felt the same way.

In actuality, census data show that millennials have been moving in droves to places I would never have thought of living. Places like Morgantown, W.Va., Providence, R.I., Bloomington, Ind., and Oklahoma City. Had I known this back in 2012, I would have been very confused. I had an uncle in Oklahoma City. I’d been there. My main memory was learning about the place where one of my methed-out cousins scaled an impossibly high fence while running from the police. I had no intentions of going back.

What were these young people thinking, moving to the middle of nowhere?

Fast-forward three years to last July. I was packing my bags, getting ready to drive from Los Angeles to my new home in Madison, Wis. Here’s what happened:

My Financial Priorities Changed

Here is a rough breakdown of where my money went in Los Angeles: 45% rent, 30% gas, 20% entertainment, 4.95% absurdly unfair parking tickets, .05% savings. I wasn’t accumulating debt, but I certainly wasn’t building a nest egg. I was treading water. I decided I wanted to break that cycle.

Of course, it’s possible to do that in L.A., but it’s hard. I was trying to become a TV writer, which is somewhat akin to my earlier life goal of making the NBA. In both cases, it takes a tremendous amount of luck, skill, and hard work to make it. Very few get there.

To be a struggling artist, you have to want it more than anything in the world. You have to be willing to go full Van Gogh, and create your whole life accepting the fact that your talents might never be recognized.

I decided I didn’t want it that bad. I had to start being realistic. I started to consider other jobs outside the entertainment industry. I stumbled on a job that would allow me to work remotely, which really got my gears turning. If I could live anywhere in the country, did I really want to be in L.A.?

My Idea of What Makes a Great City Changed

I started looking at all the things that make L.A. so expensive, trying to decide if they were things I simply could not live without.

The obvious driver of L.A.’s high prices is the weather. When it rains in L.A., people act like those hordes in zombie movies who are scrambling to get on the last helicopter out of the city. It’s all-out mayhem. This is because it’s almost always perfect, so any kind of weather freaks them out.

To many people, the year-round warmth is the sole reason they say L.A. is so fantastic. I went to school in Boston and braved some nasty winters. I never thought it was that bad. I certainly wouldn’t use weather as my only reason for picking a place to live.

Next would be the nightlife. There are a lot of folks who crave access to an unlimited number of huge, slick, exclusive nightclubs and bars where they can undulate against strangers and possibly catch a glimpse of someone who played a bit part on Glee.

I admit that I used to be into this scene. But, at the ripe old age of 28, I had grown out of it. There’s only so many times you can wait in a long line outside a bar before you think, “What the heck am I doing? I just spent the last hour and a half playing 20 questions next to a dumpster and swigging cheap tequila from a flask.” At least when you wait in line for a roller-coaster you get to ride a roller-coaster at the end, not buy $13 mixed drinks and inhale enough secondhand smoke to kill a horse.

The final factor driving the obscene cost of living is the beach. Some people can’t live without it. I met a guy once who lived by the beach and commuted over an hour through horrifying traffic to his job downtown. He hates the commute, but he said he would never move, because he likes surfing too much.

I’m like that guy, but the exact opposite. I have never been surfing and I would do just about anything to avoid a long commute. The beach is fun, but it’s not enough to make me want to pay $2,800 for an average one-bedroom apartment in the beachside town of Santa Monica.

After going through all this, I was much more inclined to explore options outside of Los Angeles. My values had shifted. I had a serious girlfriend, and we were starting to spend our nights on hikes instead of dancing in West Hollywood. I liked being in nature and the ability to wake up in the morning without feeling like an elephant had trampled me. I could do those things in a more affordable place.

As my girlfriend and I geared up to make a change, Madison, Wis., jumped out as a great choice. My girlfriend has family nearby and went to college there. She could vouch for its awesomeness. Everything I read said it was a wonderful town full of nice people. I was sold.

My Risk Tolerance Changed

When I thought about moving in the past, I would be riddled with doubts: “What if I don’t like it? What if I get homesick? What if I can’t find a job? What if I secretly love the beach and I won’t realize it until I can’t have it? I might be destined to be a surfing champion!” These fears kept me in place.

But, just as it’s wise to overcome your fear of investing and just do it, it’s smart not to let fear of the unknown dictate your place of residence. I tried to look at all the positives of living in Madison: affordability, four seasons, proximity to my older brother in Ohio, plentiful jobs, its reputation as one of the best places for young people to live, etc.

Plus, if it didn’t work out, I could always move back to Los Angeles. Moving does not have to be a big, unwieldy, expensive adventure. Unless you jump right into buying a house, the barriers for moving have never been lower.

I wasn’t volunteering to go on a one-way trip to Mars. If I hated it, I could leave. Why not give it a shot? YOLO, you know? (Dated use of this slang proves it was time for me to move to a less “cool” place.)

My Job Gave Me Freedom

Even though my lack of income in L.A. played a role in the move, my ability to land a job working remotely was equally important. (Not that Madison doesn’t have plenty of jobs, but having one in hand made the decision that much easier since small cities aren’t always the massive economic engines their bigger brethren are.)

Not everyone has this great opportunity, but more and more people will soon. The amount of people working from home has grown 103% since 2005, and that trend looks to continue. The work-from-anywhere jobs are out there if you look hard enough.

Join Me!

As I told people about my move, I was met with incredulity half the time. Some people couldn’t imagine having to deal with snow and didn’t know why I would subject myself to that torture.

But, there were also a lot of people who said something along the lines of, “Man, I wish I could move.” A former co-worker looked me in the eye and said he was jealous. This was a man making unfathomable amounts of money writing TV shows.

I encountered other people who appeared to be trapped in their golden cages. They are making great money, or they have attained a certain amount of prestige, so the idea of looking for work elsewhere is daunting. Yet, they are yearning for something more. They are torn between their desire to afford $60 brunches and their desire to live in a quieter place where you are not mocked for working less than 80 hours a week.

So, to all the people saying they wished they could move, I say, “You can!” It might be hard. You might hate it. You might miss the beach (or the mountains, or your friends, or any number of things), but if you feel it in your bones that there is a better life out there, how can you not at least try to go get it?

Most of the people I know who expressed a desire to do something similar to me are hard-working, smart, employable people. They’d land on their feet wherever they moved.

I’m not trying to make myself out as some kind of weird, Wisconsinite cult leader. I’ve only been here for a few months. I just want to spread the message that you’re not alone if you’re looking for something more than what the five or 10 biggest cities in America have to offer. I’m loving my decision so far, and I think others will, too.

The post I Left the Coast for a Simpler Life in the Midwest – and You Can, Too appeared first on The Simple Dollar.

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Are You Ready for Black Friday? 10 Steps Experts Say You Should Take Now

There’s a chill in the air, and leaves are falling. For dedicated bargain hunters, that means one thing: Black Friday will soon be upon us.

If you want to make the most of the killer deals this Black Friday, you need to start getting ready now. That’s right: We said now.

We talked to seven Black Friday experts to find out how best to prepare for the upcoming shopping madness. Here’s what they had to say:

1. Create a Budget and List

Though you may be tempted to jump directly into list making, you should determine your holiday shopping budget first — that way, you’ll know what you can (and can’t) include on your list.

“If you don’t have the money, it’s not a deal — no matter how great the sale is,” Jenny Martin, founder of couponing and budgeting blog Southern Savers, wisely points out.

Once you know how much you can spend, make a list of what you need to buy.

Keep in mind you probably won’t know prices yet, so to make it easier, divide the list into two groups: items you definitely want to purchase, and items you’ll purchase if you have money left over from your original budget.

All of the experts emphasized the importance of making a list — so whatever you do, don’t skip this step. Why?

“It’s probably going to help you not make as many impulse buys,” explains Brent Shelton, PR director for online deals site FatWallet.

“We’ll see deals that are really hard to pass up. … [A list] can help you from overspending.”

2. Use a Credit Card With Price Protection

Spot a leaked ad featuring the toy your kids are clamoring over? If you have a credit card with price protection — like Citi Price Rewind — avoid the lines by purchasing it before Black Friday.  

“Buy it now at the higher price, then submit a Price Rewind request for it,” suggests Rebecca Lehmann, content marketing manager for Brad’s Deals. “The credit card company should actually refund the difference.”

This tactic won’t work for every purchase, though.

“I would be very wary of doing it with electronics though — anything with a serial number,” she warns. “Black Friday items tend to have different serial numbers …  [but with] a particular toy that’s going to sell out, you have a really good shot at it.”

3. Buy Gift Cards

If you know you’re going to shop at a particular store, you can save money or earn rewards by purchasing gift cards ahead of time.

“Sites like Raise.com offer gift cards at reduced prices,” says Martin.

“You can also find deals at your local grocery store. I can go to Kroger and get a $50 gift card to Target — and when I do that, I’m actually going to get a good $7 off a tank of gas. … Looking for deals with gift cards before you go shopping is another way to increase [your] savings.”

4. Follow Retailers and Deals Sites

With today’s technology, preparing for Black Friday is easier than ever.

One of your first stops should be the websites of all your favorite retailers — both big and small. Sign up for their email newsletters and follow them on your preferred social media networks.

“If there’s a specific retailer you really like, let’s say you have a Sears or Macy’s card, and you’re going to get points … then you definitely want to follow their social media channels,” says Shelton.

“They’re going to offer those social media fans exclusives that the normal public probably isn’t going to see. There’s a lot of opportunity to win stuff as well as just get special coupons.”

And it’s not only discounts; you could also get some good advice. “Sign up for email [lists],” Shelton says. “You’re going to get tips and insider information on the best ways to save money.”

5. Participate in Online Forums

Want to educate yourself before the season starts? Log into some online shopping forums, where deal-hunting veterans share tips and answer questions.

“We have very active consumer forums,” says Shelton of FatWallet. “Some of the savviest deal hunters… [are] posting deals, what they think is hot. … It makes FatWallet a really good resource to stay on the inside.”

6. Update Your Profiles on Your Favorite Sites

Have you ever found a great Black Friday deal online — only to have it disappear by the time you click “purchase”?

Don’t let that happen this year: Update your profile on your favorite retailers’ sites ahead of time.

“Be sure your billing information is up to date, you know your username and password, your credit card is still valid,” says Dev Shapiro, spokesperson for GottaDeal.com. “Every second literally counts when it comes to online shopping.”

7. Familiarize Yourself With Store Policies

Let’s face it: Buyer’s remorse happens to the best of us. And when it strikes, it’s essential you’re able to return the items.

Also good to know ahead of time? Which stores offer price matches.

“Get comfortable with the store’s price-matching and return policies; sometimes they change during Black Friday,” explains Collin Morgan, founder of deals site Hip2Save.

“[If] you go just crazy, it’s good to know you can at least return the item. … Definitely do your research.”

8. Let Deal Sites Work for You

Don’t waste hours digging through Black Friday ads online and in the newspaper; that’s what the experts are for.

David Varble manages BFAds.net, which he says is the source of “about 80%” of leaked ads.

“We’re like a news source of everything Black Friday: We try to dig through all the ads, all the news. We do all the homework and hard work for people. … Kind of like a CliffsNotes guide to Black Friday,” he explains.

“To be honest, [the] vigilance is very intense,” adds Lehmann of Brad’s Deals. “The average person is not going to have time to do it day-to-day.”

So choose your favorites from the sites listed throughout this article, then subscribe to their newsletters and follow them on social media.

And, of course, bookmark The Penny Hoarder’s Black Friday deal site and follow us on Facebook and Twitter — we’ll be sharing deals as they go live!

9. Before Shopping, Analyze the Deals

Many Black Friday shoppers skip this step, and it’s a big mistake. Not only should you determine which stores have the best prices — you should also analyze whether the prices are actually a bargain.

Price predictions, which are released by many of the sources cited in this article, are a good place to start.

“We compare [the prices] to our historical data going back several years … so we can give a sense of whether the price on Black Friday will really be a good deal, or whether you’re better off waiting until after the holidays are past,” explains Benjamin K. Glaser, features editor of DealNews.  

10. Seize the Teachable Moment

If you have kids, you can use Black Friday as an opportunity to teach them important lessons about budgeting and patience.

“Teaching them that we’re not going to just grab the item today — we are going to wait … that’s a big lesson,” explains Southern Savers’ Martin, who has five daughters.

“Get them involved in the thrill of the hunt and the thrill of the savings. … That excitement will hopefully translate to other items they may need to buy later in life.”

Bottom line? “There are a lot of stores carrying a lot of similar things, and the price range is going to be very close,” says Melissa Martin, spokesperson for BlackFriday.com.

“And that’s why it’s really important to plan and process your holiday season so you’re not in a frenzy the whole time and can enjoy it.”

Whether you’re a deal-hunter extraordinaire or a Black Friday newbie, take that advice to heart. By planning ahead, you’ll be able to enjoy your shopping experience with as little stress (and as little money!) as possible.

Want more Black Friday tips? Check out all our advice — as well as the best deals! — here.

Your Turn: How are you preparing for Black Friday?

Disclosure: Some of the links in this post are affiliate links. We would have shared them with you anyway, but a true “penny hoarder” would be a fool not to take the company’s money.

Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

The post Are You Ready for Black Friday? 10 Steps Experts Say You Should Take Now appeared first on The Penny Hoarder.

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Deadly asbestos brake pads warning

ASBESTOS has been found in thousands of brake pads for popular Australian vehicles, with local buyers unaware they are being illegally sold counterfeit parts.

Source NEWS.com.au | Business http://ift.tt/1NK2hrb