St. Luke’s University Health Network has named Donald C. Seiple Jr. president of its new hospital on Route 611 in Bartonsville, according to a press release from St. Luke's.Seiple, a Nazareth resident, has been the St. Luke's vice president of operations since 2010. In that role he managed clinical engineering, plant operations, safety and security, nutrition services, environmental services, volunteer services, property management, , sterile processing, grounds, and the [...]
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الاثنين، 15 فبراير 2016
Get Paid $50K a Year to Write Greeting Cards. These Companies are Hiring
While you were in the drugstore searching for that perfect Valentine’s Day card, did you give any thought to who wrote it?
If you bought a Hallmark card, it might’ve been Diana Manning, who’s worked for the company for more than 30 years, creating two to 20 cards per week.
“Greeting card writers in the U.S. make $51,000 a year on average,” Business Insider reports, citing salary data from Indeed.com.
As a writer (and lover of sappy cards), I thought this sounded like a fascinating job.
So I decided to see if any positions were open…
Wanna Write Greeting Cards for a Living?
Hallmark isn’t the largest greeting card company — that title goes to American Greetings — but it still brought in $3.8 billion in 2014.
I made its website my first stop, and was excited to see a few writing jobs are actually available:
Writer: In this position, you’ll create “copy and concepts for Hallmark products and services.” You must have a bachelor’s degree or three years of writing experience.
Writing & Editorial Intern: This paid summer internship sounds like an awesome opportunity. You’ll “collaborate with writers and editors using their skills to craft messages for a variety of Greeting Card product lines.”
Next, I checked American Greetings, but it didn’t list any open writing positions. Neither did Someecards, my favorite ecards site.
BUT, I didn’t stop there…
Blue Mountain Arts is looking for poetry for its greeting cards, Designer Greetings needs a full-time copy editor/writer and Freelance Writing Jobs has an updated list of greeting card companies looking for submissions.
And don’t forget we’re hiring writers and interns (and paid contributors) here at The Penny Hoarder, too.
Just starting out in your freelance writing career? These posts might help:
Good luck, and get those sappy sayings ready!
Your Turn: Would you write greeting cards for a living?
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 Get Paid $50K a Year to Write Greeting Cards. These Companies are Hiring appeared first on The Penny Hoarder.
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Silvio Calabi: RAV4 Hybrid is a fuel-sipping sophisticate
About the heaviest thing I’ve lifted all winter is a martini, so after the last snowfall I left my Honda (snowblower) in the garage and dug out the driveway by hand. Puff, puff. In the aid of research, I also fired up, if that’s the word for a gas-electric car, this week’s Toyota RAV4 Hybrid Limited AWD. I wanted to de-ice the windows, and to see how a hybrid warms up at idle. Does it just sit there like a toaster oven until the charge dwindles?Basically, yes. [...]
Source Business - poconorecord.com http://ift.tt/214ZX4o
Source Business - poconorecord.com http://ift.tt/214ZX4o
No soft soap strategy: Business grows with workshops
Pocono Soap in downtown Stroudsburg has broadened its business plan. Owner Lisa Diemer started a cottage industry, Pocono Soaps in August 2014, to sell natural homemade products (such as their own proprietary Honey Lip Balm) and to teach DIY (do it yourself) classes. These include workshops on candle-making, lip balms and body scrubs and creams. But it is soap, and the opportunity to learn how to make it from scratch, which is really getting "students"in a lather. [...]
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Source Business - poconorecord.com http://ift.tt/1QhFe5N
Spotting, reaping benefits of business tax writeoffs
You may have heard that business owners get a lot of tax write-offs. As a business owner I can tell you, while that is true, “write-offs” is just another term for spending money on your business, especially in the beginning. Business start-ups can feel like a new love interest -- you want to spend all your time with it and shower it with gifts. But don’t let that love for your business make you so dizzy you forget that write-offs are available and ready for [...]
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Source Business - poconorecord.com http://ift.tt/1TlJRSD
Cars We Remember: Flathead trucks, Canadian Mercury, Jag XKE and Buick Riviera
Our readers have been replying to recent columns. Here we go. Ford FlatheadsQ: I am a subscriber to the Pittsburg (Kansas) Morning Sun, having been born and raised in Frontenac, Kansas. It was with great interest that I read your fine article on the Ford BB trucks. I was for many years a Ford enthusiast and, in fact, once owned and drove a 1932 Ford Model 18 roadster. I unfortunately sold it when I went away to Law School. My uncle was a Ford salesman and my father [...]
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Source Business - poconorecord.com http://ift.tt/1Vh6Gop
What Do Pizza Pans Have to Do With Getting Good Gas Mileage? More Than You Think
What do pizza pans have to do with getting better gas mileage?
Maybe more than you think.
Using smooth wheel disks instead of traditional vented hubcaps might increase your car’s aerodynamics — and therefore its gas mileage.
What household object can you think of that looks almost exactly like a smooth hubcap, but costs a fraction of the price?
You guessed it: $5 Walmart pizza pans!
Hypermilers Make Cheesy-Looking Mods
Even though it might only be by a percentage or two, hypermilers and ecomodders are the Swagbucks-in-the-background-tab-watching Penny Hoarders of the vehicle world.
Any little bit helps!
To learn how to best hack their fuel efficiency, hypermilers use a device called a ScanGauge. It helps them figure out how much fuel they’re saving… or squandering.
It turns out solid hubcaps are, indeed, better for fuel economy than traditional vented wheel covers, or even hubcaps even with small vents — at least according to the ecomodders’ anecdotally scientific data.
For instance, user Concrete found his repurposed pans earned him about 1.3 mpg, or a 4.6% increase.
Here’s his mod material…
Source: Concrete
…and the finished product:
Source: Concrete
In an effort to get the best fuel economy possible for the smallest investment, Ecomodder forum user thatguitarguy also took the plunge and installed pizza pans over his hubcaps.
Source: thatguitarguy
Bonus: Look how shiny and new-looking! Source: thatguitarguy
The ensuing conversation revolves around how to secure pizza pans to the wheels, and commenters suggest everything from bicycle clips to zip ties.
bbjsw10 provides a step-by-step guide in case you’d like to emulate these extremely frugal drivers. They don’t even look half-bad on his vehicle!
Source: bbjsw10
You can explore alternative options if you don’t fancy patronizing Wally World in your quest for better mileage.
For instance, hypermiler MattTheMaker retrofitted recycled corrugated plastic signs to create smooth hubcaps. He warns the modification might lower the effectiveness of your brakes by reducing the airflow they need to cool off.
Here’s how he did it:
Source: MattTheMaker
Matt said he was able to get his signs for free.
Source: MattTheMaker
He mentions cutting as efficiently as possible to make the most out of the available materials.
Source: MattTheMaker
It fits! Matt then drilled holes to make the cover fit closely and secured it with zip ties,
Source: MattTheMaker
Tada! Hope you can still stop your car! Source: MattTheMaker
Saving Money on Gas Doesn’t Have to Involve a Drill
If you’re grabbing your purse to head for Walmart’s kitchen goods section, good on you. But be careful, and make sure you don’t damage your car or make it unsafe to drive!
If you’re not quite ready to take a spin on pizza-pan wheels, there are lots of other ways to save money on gas.
We’ve found some great gas-saving apps and compiled 23 ways to make sure you’re getting the most out of your mileage.
Although with the price of oil being what it is these days, you might not even be concerned.
Your Turn: Would you ever install pizza pans on your hubcaps to save some gas?
Jamie Cattanach (@jamiecattanach) is a junior writer at The Penny Hoarder. She also writes other stuff, like wine reviews and poems.
The post What Do Pizza Pans Have to Do With Getting Good Gas Mileage? More Than You Think appeared first on The Penny Hoarder.
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Savings update: RCI and Post Office latest banks to slash rates
Savings rates continue to fall this week, with internet RCI Bank lowering its rate on its easy-access Freedom account. It now pays new and existing savers 1.55% before tax (1.24% after tax), down from a previous 1.65% (1.32%).
Back to the register
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Questions About Freeloaders, Disability Benefits, Self Employment and More!
What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Balancing spousal 401(k) contributions
2. VA disability benefit questions
3. Paying bills with credit cards
4. Minimum amount for stock investing
5. Ten years too short?
6. Houseguests won’t use store brands
7. Value of vintage board game?
8. Paying cash for a house?
9. Walk away money
10. Drawbacks of self employment?
11. Frugal wedding versus expectations
12. Freeloading friend
One of the trickiest parts of writing responses to mailbag questions is “reading between the lines” of the stories that people share. Quite often, the information one needs to really decide what the best path is for that person isn’t part of what they share.
For instance, I recently received an email from a reader asking for help finding tax-free investments. Or, at least, that’s how I read the question at first. Later on, I read the question as though the reader was seeking help on evading taxes. After that… I honestly wasn’t sure.
Of course, part of that comes from filling in the blanks myself. I tend to assume that people are being honest when they write to me for advice and that their motivations are simply for their own financial improvement within normal legal and ethical parameters. However, not everyone has the same ethics that I do.
I also sometimes make assumptions about people’s lives. If they give indications of owning expensive items, I’ll assume that they have a job that pays well, for instance, when that isn’t always true.
Different people read different things between the lines, and that sometimes leads to different conclusions when it comes to advice.
It also explains why people should always use a financial advisor for tricky and complex questions.
Q1: Balancing spousal 401(k) contributions
I am getting set to start a new job on 16 Feb. Part of taking the new job was a 54% pay increase. This puts me at $135k/year. The company I’m going to is significantly smaller than my current company. One of the things that comes with a small company is limited retirement account options or a lack of low-cost index funds available. The new company has a 401(k) and a Roth 401(k) and no matching on either. My question is which one of these should I contribute to? Or both? I always have a hard time wrapping my head around what my income will be in retirement. Although I know the basics, I’m just not sure how to answer that. Either way, I intend to hit the contribution max ($18K) if it is only into the 401(k).
Other pertinent info: my wife makes ~$85k and has a pension, we have 529’s for each of our two daughters, I’ll have about $80k in a rollover IRA, and I have ~$40K in student loans that I just refinanced into a 2.18% 5-year variable and plan to pay $1K/month towards that in order to pay it off in 3 years or so.
Advice on how much to contribute to one or both of the 401(k)’s would be greatly appreciated.
– Jeremy
Assuming that the Roth 401(k) and the normal 401(k) have the same investment options, and also given your income level, I would lean toward contributing to the normal 401(k). The reason for that is that it is very likely that you will be paying a lower tax rate in retirement than you’re paying right now, so contributions to a normal 401(k) will end up saving you tax money over the long run.
The problem with such calls is that they all rely on predictions of what tax rates will be like in the future. I don’t believe tax rates can remain as low as they are for the long run.
You may also want to consider contributing to a normal IRA up to the contribution limit as well. An IRA would give you more investment options than the 401(k) would.
Q2: VA disability benefit questions
I am a 100% rated disabled by VA living in Texas. 1) I have a credit card charging 17% APR. Card was obtained after retirement by DoD and after VA rating. Is there any protections to lower the APR? 2) I am learning photography as a trade. Can I use either DoD or VA benefits to purchase needed equipment? Either through Voc Rehab or similar?
– Stephen
I don’t believe that you have any special protections to lower your interest rate on your credit cards. You can always call up the credit card company and negotiate a lower rate, but that’s never a guarantee.
As for funding photography as a self-employment business, which is probably the angle you’d want to go with, your local VA can fund such things to help you get started. Here’s a relevant document on the subject.
The challenge is convincing your local officials of the eventual profitability of your operation. What’s your plan for turning this into something profitable? Are you going to sell stock photography? Are you going to try to sell freelance images to publications? The more detailed your plan is, the better off you’ll be.
Q3: Paying bills with credit cards
Is it a good idea to pay the remaining amount for my phone and insurance using a credit card? I am currently paying both every month and I know I can afford them. I’m just after for the building my credit thing.
– Nina
You certainly can pay bills using your credit card and this will help you build credit to a certain extent.
However, there are a few catches. First, if you’re not paying off your balance in full each month, this is a terrible idea. You’re going to be putting yourself in a horrible financial state if you end up building up a credit card balance because of this.
Second, if this is causing you to push up against your credit card limit each month, it’s probably not actually helping your credit. Your credit score does well if you’re using some of your credit limit, but generally less than half of it. If you’re using most of it, it actually doesn’t help your credit.
Overall, unless you’re trying to rapidly rehabilitate your credit, I don’t think this strategy is worth it.
Q4: Minimum amount for stock investing
What’s the minimum to invest in income producing stocks? Or is there a minimum?
– Kerry
There isn’t a strict minimum needed to invest in stocks. However, if you’re investing small amounts, it’s going to be very hard to earn a profit.
Most brokerages charge you a fee to execute a trade of any kind. Let’s say that your brokerage charges you $10 per trade, for example. You have $100 to invest. So, to execute a “buy” trade, $10 of that goes to the brokerage and you only get $90 worth of stock. It grows to $110 – a 22% return. Then, you issue a “sell” trade and the brokerage takes $10. Right there, you’re back at the $100 you started with, even though your investment earns a 22% return.
This gets much better when you start working with larger amounts. If you have $1,000 to invest, you’ll end up buying $990 worth of stock, and you only have to have about a 2.2% return to get to $1,010. Above that, you’re actually making money.
Having said that, I think the best move is generally to buy into mutual funds directly from the investment house that manages them. For example, I invest with Vanguard, which charges no such fees. However, they do have a pretty high minimum to invest – $1,000 on a few funds, but $3,000 or more on most funds.
Q5: Ten years too short?
Do you think ten years is too short of a timeframe to invest in the stock market? I have been looking at the history of the stock market and you can point out a lot of ten year periods where stocks either just barely broke even or even lost value. You only seem to get into guaranteed gains when you look at time frames of 15 years or more.
– Tim
It is pretty rare to find a ten year period in which a diversified investment in the stock market (say, the S&P 500) loses money. You can sometimes find ten year periods in which the index itself roughly broke even, but those periods generally do not include dividends. If you include dividends, even the worst ten year periods are positive.
If you stretch it out to 15 years or more, you have a hard time finding periods where the returns were even that bad at all, especially when you include dividends.
The problem with stock investing, though, is that looking at all of this stuff amounts to examining past performance and past performance is not indicative of future returns. For future returns, you’re trusting either in specific companies or on the whole of American ingenuity and capitalism.
Q6: Houseguests won’t use store brands
My sister and her husband came to visit over Christmas. Everything was fine for a few days until my sister went looking for some toilet paper for the downstairs bathroom and found that we had a bunch of store brand toilet paper in the closet as well as a huge container of store brand hand soap that we use to refill our dispensers.
She came upstairs and got really upset with me about how we were being rude and mean to her as a guest in our home. She broke down in tears over it and said she never thought I would make her unwelcome.
I didn’t know how to respond to this because it seemed crazy and over the top to me so I just said that the stuff we bought is pretty much identical to the name brand stuff and it’s the same kind of stuff that hotels would use and she told me that if we wanted her to stay at a hotel that’s what she’d do.
This whole thing has troubled me. I don’t think I did a thing wrong by using store brand stuff or letting my guests use it. What do you think?
– Leah
Here’s the truth: your sister is being completely rude. There’s no way around it. Your sister is coming to your house and you are providing her with a clean room and a bathroom and toiletries at no cost to her. She has absolutely no right to complain about what you offer. If she wants name brands, then she should bring her own name brands.
Even if your use of store brands bothered her, it is almost disturbing that she would have the nerve to come to you and complain about it. “This free stuff you’re giving me is not up to the quality that I demand!” That’s just ridiculous.
Ignore your sister. She has a giant sense of entitlement that you don’t need to spend a second of your life worrying about. Keep using your store brands – they work find – and if she wants name brand hand soap and toilet paper next time, she can bring it herself.
Q7: Value of vintage board game?
I have a Fan Tan, Gin Rummy & Solitaire by Klondike Canfield game set in a leather box with initials on it, 1940’s time frame since it say “buy war savings bonds and stamps now” on the back of the instructions. Do you have any idea what it would be worth or where I could sell it? There was nothing like it on Ebay. It looks like all the pieces are there and is in good shape.
– Cammy
If I were you, I would take this item to a reputable antiques dealer and see what kind of value it might have. It may have value for collectors of World War II era memorabilia.
I don’t think most board game players who were not otherwise interested in vintage items would see any exceptional value there. The games enclosed can be played with an ordinary deck of playing cards and a few other components. The value is in the other details, such as the mention of war bonds.
I think the best place to find value for this item is with an antique dealer, especially one who specializes in World War II era items.
Q8: Paying cash for a house?
Let’s say you have enough in savings to fully pay for a house you’re thinking of buying. Do you think it is better to pay cash for that house or to get a mortgage for some portion of the house and keep some of that cash in savings?
– Thomas
Provided that you still have an emergency fund, I would have no qualms recommending that you pay cash for the entire house. There’s no reason to take out a mortgage and pay interest unless you need to do so.
How big should your emergency fund be? If you’re in good enough financial shape to be able to pay cash for a house, I’d recommend having two months of living expenses in an emergency fund plus an additional month of family living expenses for each additional dependent. After all, with more dependents comes a greater chance for crisis.
There is no reason to go into debt – even low interest debt – unless there’s a legitimate cause for it.
Q9: Walk away money
I’ve been reading your blog for many years and wanted to share a story. I’m 43 and have been saving for early retirement for many years. I was planning on retiring at about age 47 or so.
My company recently decided to downsize a bunch of people in my department, which essentially meant a lot more work for me. There were essentially 4 people doing what amounts to the same job and they eliminated two of those people which meant that for me and the other guy the work has doubled.
Thing is, training someone to do this job takes a long time. A year maybe. So I decide now is the time to ask for a raise because I’m going to be working like a madman. I got told “no.” So I went back to my desk, thought about it for about half an hour, then typed up a resignation letter, signed it, and brought it to my boss. He started sputtering and yelling and telling me how I wouldn’t work in this field again. I told him that’s fine, because I don’t plan to work in this field again.
Rather than letting me work through my month’s notice, I was then told to clean out my desk immediately and was escorted from the building. No big deal. I went home and decided I was going to take a month’s vacation and then start working on some other projects that will probably earn some money.
Three weeks into the vacation, I got a call from my company. The guy that fired me had been fired himself and they were offering me almost three times my original salary to come back and work for them in my old position. They also were going to hire two new people to bring us back to four. I accepted.
Turns out the guy who didn’t quit or get fired wound up getting promoted and is now in the same chair that my old boss was in and he actually understands what’s going on. The work environment is better than ever and I am making almost three times as much as before ($50K to about $135K). I am going to be able to retire for good in about three years if I want, but I’m actually really happy here right now.
Point of the story? Money in the bank means you don’t have to put up with nonsense at work. Companies push people around because they think their employees need the job and they’re usually right. If you are living paycheck to paycheck and have a high stress job you’re playing a fool’s game.
– Daniel
Your story is a perfect example of how life improves dramatically if you have plenty of money in savings.
Look at these four stories. Two of these people were outright fired, probably unexpectedly. If they were living paycheck to paycheck – as more than three quarters of Americans are – then they’re suddenly in crisis mode.
The other person suddenly found himself having to do the work of four people. It’s likely that this poor person was also living paycheck to paycheck and could not afford to quit. That person happened to get really lucky and see a good outcome, but in many environments that person would work and work and work while being handcuffed to the job.
The best solution for modern life is to be financially independent so you can afford to simply quit if the work environment becomes abusive and so you can easily handle it if your job is eliminated. Spend less than you earn. It’s the recipe for freedom.
Q10: Drawbacks of self employment?
As someone who has been self employed for many years, what do you see as some of the drawbacks of self employment? It seems great from the surface but there must be catches.
– Tammy
This honestly could be a lengthy article on its own – and it probably should be.
The biggest challenge of working from home is that you have to be self-disciplined. You no longer have any sort of supervisor breathing down your neck to get things done. You have to motivate yourself to get things done. You’re also at home, which is loaded with distractions and things to get done. You have to be very disciplined to make it work.
Another challenge is that, since you’re remote, many clients will find it very easy to let you go when it comes time to make cuts. You have to work for contracts and people on the other end of those contracts will sometimes be less than ethical. It can be a real minefield. Your best bet is to work with large organizations with an established reputation when possible.
I also find it challenging that many people in my life assume I’m always available because I work from home. They can call me and ask for favors any time of the day, assuming that I’m either not working or can easily flex my time elsewhere. That can be really frustrating at times.
It might seem like I’m painting a very negative picture of self-employment and contract work, but it does come with perks. It’s usually incredibly flexible in terms of when you actually do the work. You can usually work in your sweatpants and a t-shirt – it’s what I’m wearing right now and it’s really comfortable and warm. You can prioritize things however you like without anyone telling you how to prioritize. Those things are great. It’s just not all cherries and roses.
Q11: Frugal wedding versus expectations
My fiancé and I have decided to have a very inexpensive wedding. We’re having it at our home with a justice of the peace and a fairly small group of people present. I am not buying a special dress and have asked my three bridesmaids to just wear a dress they already have.
I have already received negative feedback about this from family and friends who are complaining that I am not making this day “special.” To me, the day is special because it’s the day I’m marrying my husband, not because I blew $20,000 on dresses and rings and flowers and food. I’d rather use that money for things that will actually matter in our life.
How do I handle this conversation? I realize we’re bucking expectations.
– Nora
It is your wedding. They are guests. Your wedding means you get to plan it. Their guest status means that they do not get to plan it. That’s how a wedding works.
The people offering comments are people who are substituting what they want for a wedding in for what you actually want for a wedding. They’re reflecting on what they want in their own wedding and wondering why your wedding is so different. It’s not matching expectations, and some people do not deal with that kind of expectation loss very well.
Just ignore them. Again, it’s your wedding. It is not their wedding. You can plan your wedding however you please. They can either come and be a happy guest or they can skip it – it’s their choice.
Q12: Freeloading friend
So I have this old friend who basically has started practically living at my apartment. She eats every meal here and has even started leaving a bag of her stuff in the corner because she crashes on the couch almost every night. She has her own apartment that she lives in by herself.
I think the deal is that she wants the companionship of a roommate and I don’t mind that. I am just getting frustrated that she is eating lots of food and using toiletries and such without paying for a dime of it.
How do I handle this tactfully?
– Amy
If I were you, I’d just ask your friend to pitch in when it comes to groceries or food ordering. The next time you’re planning a grocery list, just ask your friend to pitch in some cash.
How exactly do you say such a thing? Well, you make it clear that your food expenses have gone up since they’ve started hanging out there, and that’s fine except it’s making your monthly expenses more difficult and you need a hand.
If your friend objects to this, then it’s more of a reflection on your friend’s personality and true motivations than anything else. Any friend worth having around will happily contribute in this situation unless they’re in a financial situation where they can’t contribute, and that doesn’t sound like the case here.
Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. I’ll attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours.
The post Questions About Freeloaders, Disability Benefits, Self Employment and More! appeared first on The Simple Dollar.
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The $100,000 Challenge: January Update
We just wrapped up our 10th month of the $100,000 a month challenge at NutritionSecrets.com, and it was a great month.
In January, traffic grew to 159,945 visitors—139,417 of which were unique. Those visitors generated a total of 195,665 pageviews and purchased $76,326.90 worth of fish oil supplements.
Although the numbers for January were great, I expect February to be slower because we ran out of inventory, which I’ll talk about in the next update.
So, let’s dive into the January numbers.
January’s traffic
As you can see from the screenshot above, traffic grew greatly in January. It was partly because of the season—everyone is trying to set health and weight goals in January—and partly because the rankings are just starting to climb.
SEO is a long-term game, and when you write great content and build links, you don’t always see results immediately. But when you wait patiently for 3 to 6 months, you start seeing the fruits of your labor.
Compared to December, which had a visitor count of 69,813, January saw a 129% increase in overall traffic.
As you can see from the screenshot above, the majority of the traffic growth came from search engines: 117,070 visitors came from Google, Bing, and Yahoo. The majority of those visitors came from Google.
I am new to the nutrition space, so I don’t know whether the traffic will die down in a few weeks, but I hope it keeps going up.
Content production
Because Mike knew that January was going to be a hot month, he prepared in advance. He wrote more content so that blog post production could go back to seven posts a week. But because Mike needed to produce so much content, the topics he wrote on were basic.
The increase in content production hasn’t been helping much with social traffic, but it has been helping with search engine traffic. Over the next few months, I’ll have Mike continually push out seven pieces of content a week as it will help us hit the revenue goal of $100,000.
Revenue
As you may already know, numbers can be deceiving. Although we are getting closer to the $100,000 revenue mark, more revenue doesn’t necessarily mean more profit.
As you can see in the screenshot above, revenue hit $76,326.90. We tested a few different price points, changing the price of our product by a few dollars up or down to see whether we could generate more sales, but we didn’t see a big difference.
Now, of course, if we dropped the price by $10.00, I do believe that the sales numbers would go up drastically, but that would eat away at our profit margin.
Here is the breakdown of the expenses for the month:
- Fish oil – $56,401.91 (including Amazon fees, shipping to Amazon for Prime and any coupon-related expenses)
- Aweber – $69
- Designer – $750 (made changes to the website, including linking to the product)
- Hosting – $249
- Mike – free (Mike doesn’t get paid, but he owns a percentage of the blog)
- Ads – $9,481.29 (We’ve been testing ads, and in the following updates, I will show you the screenshots and share the lessons we learned from running the ads. Overall, they haven’t been performing too well from a profit margin standpoint.)
- Accounting – $185 (we are now paying a bookkeeper to help out with the books)
- Lawyer fees - $2,000 (this is to get rid of people selling our product with our label on Amazon. We are sending them seize and desist orders.)
That brings the total of the expenses to $69,136.20. That means our profit was $7,190.70.
Conclusion
The big focus right now is on adjusting the listing copy on Amazon. If we adjust the text, it should help a lot with sales, but it’s hard because other people on Amazon are selling our product.
Once we get rid of all the other products, Amazon should update the text. I don’t know why it works this way, but it just does…
Escalating the promotion of the product on NutritionSecrets.com should help as well. We have already been doing a better job of this in January, and we will continue to push forward with the same strategy in February.
What do you think of the progress so far? I’ve been happy with the revenue growth, but I need to focus on improving profit margins.
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101 Thoughts About Money From People Who’ve Made a Lot of It
The Penny Hoarder is all about practicality. You’ll find post after post detailing how to make and save money.
Quotes about money may not seem to fit here, but a good quotation can change the way you think — and also inspire you to take to take action.
With that goal in mind, I gathered the following quotes about money from BrainyQuote.com and QuotationsPage.com and arranged them in a dozen categories.
And — in a possibly vain attempt at immortality through words — I introduce each category with a thought of my own.
Wealth and Becoming Rich
How do you define “rich?”
Merriam Webster says it’s “having a lot of money and possessions.” But the dictionary also define it as “having high value or quality.”
My thought: “A rich life is more about how your money is spent than how much you have.”
1. Robert Kiyosaki: “People say ‘I want to be rich.’ The question is, ‘Are you willing to do what it takes?’”
2. Henry David Thoreau: “Wealth is the ability to fully experience life.”
3. Epictetus: “Wealth consists not in having great possessions, but in having few wants.”
4. Andrew Carnegie: “Surplus wealth is a sacred trust which its possessor is bound to administer in his lifetime for the good of the community.”
5. W. C. Fields: “A rich man is nothing but a poor man with money.”
6. David Bailey: “To get rich, you have to be making money while you’re asleep.”
7. Tommy Lee: “The best thing about being rich is the freedom; freedom to do whatever you want whenever you want. It doesn’t suck.”
8. Felix Dennis: “You’ll never get rich by working for your boss.”
Money Philosophy
What do you think about money?
Is it one of the most important things in your life? What are you willing to do for it? How do you use it?
These and other questions are addressed in the following quotes.
My own thought: “Most people value money for the things it can buy, but it’s even more valuable when used to buy situations, time and freedom.”
9. Marsha Sinetar: “Do what you love and the money will follow.”
10. Ayn Rand: “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”
11. Jonathan Swift: “A wise man should have money in his head, but not in his heart.”
12. George Bernard Shaw: “Lack of money is the root of all evil.”
13. Ann Richards: “There is a lot more to life than just struggling to make money.”
14. Franklin D. Roosevelt: “Happiness lies not in the mere possession of money. It lies in the joy of achievement, in the thrill of creative effort.”
15. Henry Fielding: “Make money your god and it will plague you like the devil.”
16. Anna Lappe: “Every time you spend money, you’re casting a vote for the kind of world you want.”
17. Francois Rabelais: “It is a kind of spiritual snobbery that makes people think they can be happy without money.”
18. Henry Ford: “The highest use of capital is not to make more money, but to make money do more for the betterment of life.”
19. Pope Francis: “Money has to serve, not to rule.”
20. Robert Collier: “All riches have their origin in mind. Wealth is in ideas — not money.”
21. Ralph Waldo Emerson: “Money often costs too much.”
22. Kevin O’Leary: “Money equals freedom.”
Debt and Lending
For households with credit card debt, the average is $15,706.
That’s in addition to cars, homes and education debt. Is it all worth it?
It depends on why you borrow. Burdening your future self with credit card debt for consumer items is not the same as borrowing to start a business or buy a house.
My thought: “Debt either builds your future or cannibalizes it.”
23. Bob Hope: “A bank is a place that will lend you money if you can prove that you don’t need it.”
24. Thomas Jefferson: “Never spend your money before you have it.”
25. Jesse H. Jones: “One of the greatest disservices you can do to a man is to lend him money that he can’t pay back.”
26. Benjamin Franklin: “Creditors have better memories than debtors.”
27. William Shakespeare: “He that dies pays all debts.”
28. Andrew Tobias: “You want 21% risk free? Pay off your credit cards.”
29. John Dewey: “No man’s credit is as good as his money.”
30. Joyce Brothers: “Credit buying is much like being drunk. The buzz happens immediately and gives you a lift… The hangover comes the day after.”
31. Ralph Waldo Emerson: “A man in debt is so far a slave.”
Frugality and Saving
Do you clip coupons, shop sales and negotiate lower prices?
Or do you impulsively buy what you want, when you want it?
Do you set aside money for future purchases or run up credit card debt to have it all now? A credit shopping spree may be fun, but it’s also a way to buy a poor future.
My thought: “Saving money and shopping wisely is a way to buy an ever richer future.”
32. Chuck Feeney: “It’s the intelligent thing to be frugal.”
33. Ezra Taft Benson: “Do not leave yourself or your family unprotected against financial storms… Build up savings.”
34. Sir Henry Taylor: “The art of living easily as to money is to pitch your scale of living one degree below your means.”
35. Joe Moore: “A simple fact that is hard to learn is that the time to save money is when you have some.”
36. William Shatner: “If saving money is wrong, I don’t want to be right!”
37. Jeff Bezos: “I think frugality drives innovation, just like other constraints do. One of the only ways to get out of a tight box is to invent your way out.”
38. John Ray: “Industry is fortune’s right hand, and frugality its left.”
39. Paula Poundstone: “I’m thankful for the 3-ounce Ziploc bag, so that I have somewhere to put my savings.”
Business
Business is a game to some people, a way to pay the bills for others and, for some lucky souls, a way to pursue their passions.
If you don’t own a business, you might not relate to some of the following quotes.
On the other hand, maybe you’re in business, and just don’t know it.
My thought: “A job is the business of selling your labor, and the profits can be reinvested into a better business.”
40. Donald Trump: “Money was never a big motivation for me, except as a way to keep score. The real excitement is playing the game.”
41. Andy Warhol: “Making money is art and working is art and good business is the best art of all.”
42. Alexandre Dumas: “Business? It’s quite simple. It’s other people’s money.”
43. Benjamin Franklin: “Drive thy business or it will drive thee.”
44. Sam Walton: “There is only one boss. The customer. And he can fire everybody in the company from the chairman on down, simply by spending his money somewhere else.”
45. Earl Warren: “Ben Franklin may have discovered electricity — but it is the man who invented the meter who made the money.”
46. Francis Ford Coppola: “As long as I can make lots of money in other businesses, I’ll continue to subsidize my own work.”
Investing
The idea is simple enough: After you work for money, you save some, so it can work for you.
Of course, in these days of low interest rates, your bank accounts won’t work too hard for you — and many other investments involve risking losing that hard-earned capital.
My thought: “They say you can make your money work for you, but my money seems a bit lazy lately.”
47. Robert Kiyosaki: “We go to school to learn to work hard for money. I write books and create products that teach people how to have money work hard for them.”
48. Ron Chernow: “One of the very nice things about investing in the stock market is that you learn about all different aspects of the economy. It’s your window into a very large world.”
49. Paul Samuelson: “Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.”
50. John Maynard Keynes: “Successful investing is anticipating the anticipations of others.”
51. Bill Ackman: “Investing is a business where you can look very silly for a long period of time before you are proven right.”
52. Kevin Rose: “The key to making money in angel investing is saying no. You meet with 100 companies and say no to 99 of them.”
53. Donald Trump: “Sometimes your best investments are the ones you don’t make.”
Money and Ethics
There’s an old joke in which a shop owner explains ethics to his son: “Today a customer gave me a $20 bill thinking it was $5, so I gave him change for $5. Ethics, my son, is about whether I should split the $15 profit with my partner or keep it myself.”
But seriously, where do we draw the ethical lines when it comes to money?
My thought: “I figure that before I try any unethical ways to make money, I’ll work my way through all of the ethical ways — and that should take a lifetime.”
54. Benjamin Franklin: “He that is of the opinion money will do everything may well be suspected of doing everything for money.”
55. Will Smith: “Money and success don’t change people; they merely amplify what is already there.”
56. Muhammad Ali: “My principles are more important than the money or my title.”
57. W. C. Fields: “It’s morally wrong to allow a sucker to keep his money.”
58. Oliver Wendell Holmes, Jr.: “A man is usually more careful of his money than of his principles.”
Money and Success
How do you define success?
Is it a big home and fancy car, or a job you love? How will you know when you’re successful?
My thought: “People have no idea what would really make them happy, so they seek the things that will make them successful according to the standards of the culture around them.”
59. Henry Ford: “If money is your hope for independence, you will never have it. The only real security that a man can have in this world is a reserve of knowledge, experience, and ability.”
60. Oprah Winfrey: “How do I define success? Let me tell you, money’s pretty nice. But having a lot of money does not automatically make you a successful person.
“What you want is money and meaning. You want your work to be meaningful, because meaning is what brings the real richness to your life.”
61. Bob Dylan: “What’s money? A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do.”
62. Al Pacino: “Money makes your life easier. If you’re lucky to have it, you’re lucky.”
63. Nelson Mandela: “Money won’t create success, the freedom to make it will.”
Employment and Paychecks
Do you like your current job, or is it just a way to pay the bills?
Is it taking you in the right direction? If not, can you use it to get where you want to go?
My thought: “A job can be a way toward your important goals or a detour away from them; it’s all in how you use it.”
64. Julianna Margulies: “I love making money, but you can’t live your life waiting to get rich in a job that no longer feeds you artistically.”
65. Byron Dorgan: “Working hard and working smart sometimes can be two different things.”
66. Henry Ford: “It is not the employer who pays the wages. Employers only handle the money. It is the customer who pays the wages.”
67. J. Paul Getty: “The employer generally gets the employees he deserves.”
68. Marlon Brando: “Never confuse the size of your paycheck with the size of your talent.”
69. Joan Rivers: “I’ve learned from doing my own show with Fox that people are not your partners if they’re signing the checks. Whoever signs your paycheck is the boss — no matter what they tell you.”
70. Drew Carey: “I don’t miss the economic insecurity, the living paycheck to paycheck.”
Personal Money Thoughts
In addition to general philosophical beliefs about money, many famous people have expressed personal feelings and ideas.
Which of the following can you relate to?
My thought: “If I won millions in a lottery, there is nothing special I would buy, except for investments to provide a permanent income.”
71. Francis Ford Coppola: “I was never sloppy with other people’s money. Only my own. Because I figure, well, you can be.”
72. Salvador Dali: “Liking money like I like it, is nothing less than mysticism. Money is a glory.”
73. Paris Hilton: “I’ve made all my money on my own without my family and I work very hard.”
74. Joan Crawford: “I, Joan Crawford, I believe in the dollar. Everything I earn, I spend.”
75. Anna Nicole Smith: “Marrying into money was not a good thing for me.”
76. Kid Rock: “I am happy to make money. I want to make more money, make more music, eat Big Macs and drink Budweisers.”
77. Antonio Banderas: “It was an honor and privilege to arrive to this country 16 years ago with almost no money in my pocket. A lot has happened since then.”
78. Cher: “I’m scared to death of being poor. It’s like a fat girl who loses 500 pounds but is always fat inside. I grew up poor and will always feel poor inside. It’s my pet paranoia.”
79. Pablo Picasso: “I’d like to live as a poor man with lots of money.”
80. Warren Buffett: “I buy expensive suits. They just look cheap on me.”
81. Steven Spielberg: “I’m not really interested in making money.”
Random Thoughts About Money
Some humor, philosophy and a bit of insight can be found in the following quotes about money.
My thought: “People often talk about how much things cost, but with one exception: They rarely talk about how much they pay for money.”
82. Steven Tyler: “You have no idea how expensive it is to look this cheap.”
83. Gene Simmons: “I also learned that I love making money. Anyone who is not afraid of work will be happy with the money they make.”
84. Scott Alexander: “Making money is a hobby that will complement any other hobbies you have, beautifully.”
85. John D. Rockefeller: “I have ways of making money that you know nothing of.”
86. Muhammad Yunus: “Human beings are much bigger than just making money.”
87. Irving Paul Lazar: “The whole point of having money, and working and making money, is to enjoy and spend it.”
88. H. L. Mencken: “The chief value of money lies in the fact that one lives in a world in which it is overestimated.”
89. Felix Dennis: “Making money is certainly the one addiction I cannot shake.”
Money Humor
Sometimes a quote is just funny.
Other times there’s also a lesson in the humor. Both types of quotations are included here.
My thought: “They say I should find a job I can be passionate about, but what if my passion is to avoid all jobs?”
90. Woody Allen: “Money is better than poverty, if only for financial reasons.”
91. Yogi Berra: “A nickel ain’t worth a dime anymore.”
92. Jackie Mason: “I have enough money to last me the rest of my life, unless I buy something.”
93. Groucho Marx: “Money frees you from doing things you dislike. Since I dislike doing nearly everything, money is handy.”
94. David Richerby: “The tooth fairy teaches children that they can sell body parts for money.”
95. Jack Handey: “I hope that when I die, people say about me, ‘Boy, that guy sure owed me a lot of money.’”
96. Edith Wharton: “The only way not to think about money is to have a great deal of it.”
97. Oscar Wilde: “When I was young I thought that money was the most important thing in life; now that I am old I know that it is.”
98. George Carlin: “Most people work just hard enough not to get fired and get paid just enough money not to quit.”
99. Spike Milligan: “All I ask is the chance to prove that money can’t make me happy.”
100. George Bernard Shaw: “Very few people can afford to be poor.”
101. Elizabeth Taylor: “Money is the best deodorant.”
Your Turn: Which are your favorite quotes about money?
Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. He’s been a repo-man, walking stick carver, search engine evaluator, house flipper, tram driver, process server, mock juror, and roulette croupier, but of more than 100 ways he has made money, writing is his favorite (so far).
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Retro diner brings 1950s feel to Stroudsburg
Restaurant, ice cream parlor, arcade, and nostalgia.
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I’ve Been Freelancing for Years, and I Didn’t Know These Money Tips for Side Hustlers
We’ve said it before, and we’ll say it again: Spending less isn’t the only way to achieve financial health. Often, a better idea is to start earning more.
That’s why we share tons of weird ways to make money — from watching movie previews to farming crickets.
It may sound counterintuitive, but if you’ve been thinking about starting a side business, it’s important to be financially prepared.
To help, here’s a post from WiseBread with 10 money moves you need to make before jumping into your side biz.
Starting a Side Hustle? Don’t Forget To…
“While having some extra funds in your bank account sounds amazing, remember that it takes money to make money,” writes Damian Davila, the post’s author.
“Without careful planning, your new venture may actually put you in a worse financial position than you originally were!”
Here are our favorite tips from Davila:
Plan Ahead for Business Expenses
Whatever business venture you’re embarking upon, you’re going to have expenses.
“While your employer may approve of your side job, you shouldn’t use their office supplies and equipment to pursue your side job,” Davila says.
We definitely agree!
Make sure you budget for everything you’re going to need — from business cards to website hosting and networking events.
If you want to keep costs low, here’s how to start a business with less than $100.
Calculate Additional Income Tax Withholding
One of the toughest things about starting a business is figuring out your taxes.
Davila suggests using “the IRS Withholding Calculator to estimate how much more you should be withholding from the paycheck of your main job to cover your income taxes.”
I’m a freelance writer when I’m not working full time here at The Penny Hoarder. I’d never thought of having additional income tax withheld from my paycheck to make up for my freelance taxes.
I’m not sure it’d work for me — given how variable my income is — but it’s an interesting idea.
Open a Solo 401(k)
A solo 401(k)? I’d never heard of one before.
“One of the most missed opportunities by independent contractors, freelancers, and small business owners is to maximize their retirement savings through a solo 401(k),” Davila explains.
“You can contribute up to $53,000 in a solo 401(k) for 2015 and 2016… By making contributions as employer and employee, you use a solo 401(k) to boost your nest egg.”
Want more tips? Visit WiseBread to read Davila’s full article.
Your Turn: Do you plan to start a side hustle soon?
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 I’ve Been Freelancing for Years, and I Didn’t Know These Money Tips for Side Hustlers appeared first on The Penny Hoarder.
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These 5 Brands Make Cruelty-Free Beauty Products and Cleaners You Can Actually Afford
When it comes to beauty and household products, the terms “cruelty-free” and “low-priced” don’t usually mix.
An increasing number of beauty and household product brands choose not to test their products on animals. But most of these brands are small and can’t compete with the low prices of larger competitors, many of which do test on animals.
While it’s a great idea to support small companies, many consumers simply can’t afford a $25, 10-ounce bottle of shampoo, or even a tiny $5 bottle of liquid hand soap.
Fortunately, a few companies offer both low prices and animal-friendly practices.
Here are five companies — and two alternative shopping methods — that help you buy cruelty-free without breaking the bank. Plus, check out this list of 100 places to find coupons to save even more money!
1. Method
You may recognize this household product brand from its quirky television commercials and stylish packaging, but Method is also known for its commitment to environmental sustainability and conscious practices.
In 2015, Method opened the nation’s first LEED platinum-certified soap factory in Chicago. It also helped found the B Corps socially responsible business model.
Method products are never tested on animals, contain no animal ingredients, are non-toxic and biodegradable.
They’re also affordable and widely available.
Prices rival those of mainstream brands, including a $3.25, 28-ounce bathroom cleaner, 36-ounce hand soap refill for $3.99 and 45-tab dishwasher detergent for just $11.39.
To find the lowest prices, your best bet is buying Method products online, though you can also find them in Target, Lowe’s and many supermarkets.
2. Trader Joe’s
If you know what to look for, you can get some great deals at Trader Joe’s, particularly on store-brand household and beauty products, which are never tested on animals.
Like Method, Trader Joe’s focuses on using sustainable and non-toxic ingredients that are safe for people and pets.
If you’re vegan, you may want to check ingredient labels for honey and beeswax, but many products contain no animal ingredients.
My go-to Trader Joe’s products include $2.99 all-natural toothpaste, 128-ounce laundry detergent for $9.99 and 25-ounce dish soap, available in tea tree lavender and mandarin orange, also for $2.99.
They also offer a Tea Tree Tingle line of bath and body products priced at $3.99 for 16-ounce bottles, and a 16-ounce citrus body wash for $2.50.
3. Body Essences
My bathroom cabinet is filled with colorful bottles from this under-the-radar brand, which exclusively sells paraben-free gel and cream body washes.
Body Essence products are not tested on animals and contain no animal ingredients — with the exception of honey in one gel wash.
Plus, the body washes are super moisturizing and come in great scents like coconut and vanilla shea butter.
If you can believe it, a 28-ounce bottle runs at just $3.47 online or in-store at Walmart. You can also find them at many pharmacies.
4. Freeman Beauty
Sold under several different lines, Freeman Beauty products range from papaya-scented shampoo to anti-aging serums, and all are reasonably priced and cruelty-free.
Frugal shoppers should check out Freeman’s Papaya line of $2.99 shampoos and conditioners. They contain natural ingredients — like papaya extract, herbs and acai oil for moisture.
To treat yourself, try their $3.79 bare foot, “spa-inspired” foot care products, $4.29 Feeling Beautiful facial masques and Eclos line of $7.99 corrective serums.
Freeman products are sold at Bed, Bath & Beyond, the Christmas Tree Shop and many supermarkets. You can also shop their website, which often runs great clearance sales.
5. e.l.f. Cosmetics
When some of my less thrifty friends head to Sephora, you’ll find me browsing retail store shelves for e.l.f Cosmetics.
This budget-friendly line of makeup launched in 2004 and has since skyrocketed to international success, thanks to its low-priced and well-reviewed products.
The company’s line includes lipstick, eyeshadow, concealer and blush for $1 — and lip and eyeshadow palettes for under $10.
Along with its commitment to keeping prices low, e.l.f. is 100% cruelty-free.
It even uses synthetic beeswax and lanolin instead of the two commonly used animal ingredients. PETA recognized e.l.f.’s animal-friendly practices, honoring CEO Joseph Shaman with a “Trail-Blazer Award.”
E.l.f. products are available in several stores — including Walmart, Target, and most pharmacies — as well as on the company’s website. Savvy online shoppers can also take advantage of promotions such as free shipping and bonus items.
Bonus Idea 1: Thrive Market
If you have a large family, consider signing up for Thrive Market, a grocery delivery service that’s been called a cross between Whole Foods and Costco.
Thrive charges a $59.95 annual membership fee, but you can easily recoup the cost by saving up to 40% on cruelty-free products, from cosmetics to sunscreen and baby care products.
Best of all, when you shop at Thrive, you can buy products from many of the smaller cruelty-free and higher-end brands that might otherwise exceed your budget.
You’ll find 11-ounce Kiss My Face shaving cream for $4.95 (normally $7.95), 4-ounce Alba Botanica facial scrub for $6.95 (normally $11.95) and 16-ounce EveryDay Shea baby shampoo for $5.66 (normally $9.99).
If you want to try Thrive, start with a free one-month trial. You can also find coupons on sites like RetailMeNot and PromoPro.
Bonus Idea 2: DIY Products
Make your own household and beauty products — it’s easier, and cheaper, than you might think.
It also allows you to control what ingredients go into your products and ensure they’re cruelty-free.
For example, you can make a great general cleaner using vinegar, baking soda, rubbing alcohol, lemon, water and a few drops of dish soap.
If you’re serious about going DIY, invest in some essential oils. Just a few drops will add not only a lovely scent, but also important antibacterial and antiseptic properties to your products.
Your Turn: Will you try any of these brands or ways to get cruelty-free products?
Disclosure: This post includes affiliate links. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.
Jennifer Wyglinski is a freelance writer and marketing consultant specializing in green lifestyle and vegan topics.
The post These 5 Brands Make Cruelty-Free Beauty Products and Cleaners You Can Actually Afford appeared first on The Penny Hoarder.
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Barclays customers to earn double cashback
New and existing members of Barclays’ Blue Rewards current account scheme will earn double cashback through its ‘SmartSpend scheme’ over the rest of February.
Back to the register
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Auto-enrolled savers must increase contributions, warns Royal London
Workers in auto-enrolled pensions will need to work into their late seventies if they are to achieve the same level of income in retirement as their parents, according to new research from Royal London.
Back to the register
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Leapforce a Flexible Work-at-Home Job – No Set Schedules
By Holly Reisem Hanna Are you a whiz at finding information online? Do you love using Google products and services? Are you looking to work from home on your own terms? Then read on to see if becoming a Personalized Search Engine Evaluator for Leapforce is right for you. What do Search Engine Evaluators do? […]
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