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الخميس، 24 مارس 2016

Best Airline Credit Cards for 2016

If you travel often and spend a lot of money on airfare, the best airline credit cards can help take the sting out of your travel budget. By signing up for the right cards, you can earn airline miles for free travel plus perks that make your travel experience a lot more fun.the best airline rewards credit cards

Still, knowing which airline credit card is right for your situation and travel style requires some work and research on your part. The right card for your needs not only depends on where you live and which airports you are close to, but also on where you want to travel to – plus, how often.

This guide was created to introduce the top airline credit card offers, plus some of the best ways to use them. If you want to eventually fly for free, keep reading.

Best Airline Credit Cards for 2016

Before we dig into each individual card and how its individual rewards program works, here are the top cards to consider:

Chase Sapphire Preferred® Card: Best Option for Flexible Rewards

chase sapphire preferred card frequent flyer credit cardWhile the Chase Sapphire Preferred® Card isn’t necessarily an airline credit card, it does let you earn points that transfer to some of the most popular airline loyalty programs in the business. After spending just $4,000 on your card within 90 days, you’ll earn 50,000 points worth $625 in travel if you book through the Chase Ultimate Rewards portal.

When you transfer points to an airline program affiliated with Chase, you’ll get an awesome 1:1 transfer ratio. Currently, Chase transfer partners include:

  • United Airlines
  • Southwest Airlines
  • British Airways
  • Korean Air
  • Singapore KrisFlyer
  • Virgin Atlantic
  • Hyatt
  • Marriott
  • Ritz-Carlton
  • IHG
  • Amtrak

If you’re not sure which airline you want to invest in and want plenty of options, the Chase Sapphire Preferred® Card is probably your best bet. Here are some details to consider before you sign up.

  • Read here to learn more about the Chase Sapphire Preferred® Card
  • Earn 50,000 points after you spend $3,000 within 90 days of account opening
  • Earn 2X points on travel and dining, plus 1X points on all purchases
  • $95 annual fee, waived the first year
  • No foreign transaction fees
  • Free primary auto coverage, plus trip cancellation/interruption insurance

Citi ThankYou® Premier Card: Best for Diverse Transfer Partners

citi premier airlnes credit cardThe Citi ThankYou® Premier Card is similar to the Chase Sapphire Preferred® Card in the fact that there are several ways you can redeem your points. By signing up now, you’ll earn 40,000 points after you spend just $3,000 on the card within 90 days of account opening. In addition, you’ll earn 3X ThankYou points on travel including gas, 2X ThankYou Points on dining out and entertainment, and 1X ThankYou Points on all other purchases. The bonus itself is worth $400 in gift cards or $500 in airfare booked through the Citi travel portal. Plus, you can transfer your points to the following transfer partners

  • Hilton HHonors
  • Asia Miles
  • EVA Air Infinity MileageLands
  • Etihad Guest
  • Garuda Indonesia Frequent Flyer
  • Flying Blue
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airlines Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Virgin America Elevate
  • Virgin Atlantic Flying Club

Before you sign up for the Citi ThankYou® Premier Card, here are some of the key features to consider

  • Read here to learn more about the Citi ThankYou® Premier Card
  • Earn 40,000 points after you spend $3,000 on your new card within 90 days
  • Earn 3X ThankYou points on travel including gas, 2X ThankYou Points on dining out and entertainment, and 1X ThankYou Points on all other purchases
  • $95 annual fee, waived the first year
  • Points never expire and your earnings are unlimited
  • No foreign transaction fees

British Airways Visa Signature® Card: A Solid Option for Domestic and Caribbean Itineraries

british airways frequent flyer credit cardsThe current offer on the British Airways Visa Signature® Card lets you earn the signup bonus in phases. At the moment, you’ll earn 50,000 Avios after you spend $2,000 on your card within 90 days, an additional 25,000 Avios after you spend $10,000 on your card, and an additional 25,000 Avios after you spend $20,000 on your card within the first year.

To put things in perspective, flights less than 1,150 miles now cost only 7,500 Avios per leg. This makes this card an exceptionally good value for shorter flights throughout the U.S. and flights to the Caribbean from southern hubs in places like Miami and Dallas.

And since British Airways is a Chase transfer partner, this is an excellent card to pair with the Chase Sapphire Preferred® Card. Before you sign up, read these details:

  • Read here to learn more about the British Airways Visa Signature®Card
  • Earn 50,000 Avios after you spend $2,000 on your card within 90 days, an additional 25,000 Avios after you spend $10,000 on your card, and an additional 25,000 Avios after you spend $20,000 on your card within the first year
  • No foreign transaction fees
  • Upgraded chip technology
  • $95 annual fee

United MileagePlus® Explorer Card: A Great Option for International Fares

united airlines mileage plus explorer credit cardsWhether you fly domestically or abroad, the United MileagePlus® Explorer Card can offer a ton of value. Flights to Europe, for example, can run as little as 60,000 miles per leg. Plus, one-way saver awards on domestic itineraries can cost just 10,000 miles per leg.

With the current offer on this card, you’ll earn 30,000 miles after you spend just $1,000 on your card within the first 90 days. You’ll also get your first checked bag for free, priority boarding, and no foreign transaction fees when you use your card outside of the United States.

  • Read here to learn more about the United MileagePlus®Explorer Card
  • Earn 30,000 miles after spending just $1,000 on your card within 90 days
  • $95 annual fee, waived the first year
  • Get your first checked bag free
  • Your miles will never expire as long as your credit card account is open

Southwest Airlines Rapid Rewards Premier® Credit Card

southwest premier rapid rewards airline credit cardIf you’re looking for a family-friendly airline, look no further than Southwest Airlines and the Southwest Airlines Rapid Rewards Premier® Credit Card. Not only do they offer your first two checked bags for free on every flight, but they have an awesome rewards program that makes family travel a piece of cake.

With the current offer on this card, you’ll earn 25,000 miles after you spend just $1,000 within 90 days. Plus, you’ll earn 2x points on travel purchases with the airline and 1x points for every dollar you spend elsewhere. The best part about this program, however, is the fact that there are no blackout dates or capacity controls. If there is a seat on the plane and you have the points to book it, it’s yours!

  • Read here to learn more about the Southwest Airlines Rapid Rewards Premier®Credit Card
  • Earn 25,000 points after you spend just $1,000 on your card within 90 days
  • Earn 2x points on Southwest purchases, plus 1x points for every dollar you spend
  • Bags fly free for everyone in your party
  • No blackout dates
  • $99 annual fee

Citi/AAdvantage® Platinum Select® MasterCard: Best for International Flights

citi aadvantage platinum frequent flyer rewards cardWith the Citi/AAdvantage® Platinum Select® MasterCard, you’ll earn 30,000 AAdvantage miles after you spend just $1,000 on your card within the first three months. Plus, you’ll earn 2x points on American Airlines purchases and 1x points for every other dollar you spend.

Fortunately, those points can go fairly far if you know how to use them. For just 25,000 miles, for example, you can book a round-trip flight to the Caribbean. And for just 45,000 American AAdvantage miles after March 21, 2016, you can book a round-trip flight to Europe.

With this card, you’ll also get a first checked bag free for you and four of your travel companions on domestic itineraries, which will save you more than $100. Plus, you’ll get Group 1 boarding on domestic American Airlines flights.

  • Read here to learn more about the Citi/AAdvantage® Platinum Select® MasterCard
  • Earn 30,000 miles after you spend just $1,000 on your card within 90 days
  • Get a free checked bag for you and up to four travel companions on domestic itineraries
  • $95 annual fee, waived the first year

Discover it® Miles – Double Your Miles for First Year

discover it airline miles credit cardThe Discover it® Miles offers a unique way to earn free airfare. Instead of earning airline miles, you earn “miles” you can use to book airfare on any airline at any price!

With this card, you’ll earn 1.5 miles for every dollar you spend – plus Discover promises to double all the miles you earn at the end of your first year! If you manage to earn 20,000 miles the first year, for example, Discover will double that amount to 40,000 miles after 12 months. Those 40,000 miles would then be worth $400 in airfare with any airline.

Another perk that comes with this card is the fact that you get a free FICO score on your monthly statement. Plus, it doesn’t charge an annual fee, so you can keep it for the long run.

  • Read here to learn more about the Discover it® Miles
  • Earn 1.5 miles for every dollar you spend, plus Discover will double your miles after the first year
  • No annual fee
  • Free FICO score on your monthly statement
  • Discover will reimburse you for your in-flight Wi-Fi fees—up to $30 a year—with an automatic statement credit

How to Get the Most Out of Your Airline Credit Card

Unlike the points you earn with cash back credit cards and flexible rewards cards, airline miles come with an added layer of complexity. Here are some tips that can help you get the most out of the miles you earn:

Know your local airlines. Before you sign up for an airline credit card, you should make sure that airline actually operates out of your local airport. While that sounds obvious, you wouldn’t believe how many people go through the trouble of earning airline miles only to find the airline only operates on a limited basis nearby – or doesn’t have a hub at their airport at all!

Understand airline rewards programs before you sign up. Before you sign up for an airline credit card, it helps to have an idea of where you want to travel and when. That way, you can figure out how many miles you need and create a strategy to make it happen before you get started.

Consider flexible cards if you travel mostly during peak travel periods. Since airline miles are notoriously hard to use during peak travel times, you may be better off with a flexible rewards credit card – or even a cash back card – if you only travel over the holidays or during school breaks. Trust us, nothing is worse than having a ton of airline miles you can’t use!

Don’t forget about taxes and fees. Even though airline miles can make your flight “free,” you’ll still be on the hook for government-mandated taxes and fees. For domestic itineraries, this is normally only $5.60 per leg. For international flights, however, these taxes and fees can cost several hundred dollars.

Make sure to check out our other credit card guides for the most up-to-date information and offers!

best airline credit cards of 2016



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3D Printers Are Expensive, So This Guy Made One That Only Costs $100

Peachy Printer

I’m reaching the age in my life where new technologies are beginning to baffle me.

I may have watched the Internet and digital media take over as I’ve grown up, but I can barely wrap my mind around the latest booming technology: 3D printing.

Trying to imagine how it works and what we’ll do with it makes me feel like an ape from the 80s.

Nonetheless, 3D printing is catching on, and it’s changing our world — fast.

Like any new technology, the real breaking point is for these machines to become valuable and affordable to the masses. We regular people have to not only see a need for a 3D printer, but also have to be able to afford it.

Both of these are becoming realities.

Last week, we saw this 24-year-old design student who 3D-printed his own Invisalign-style braces for just $60. That kind of personal use makes this technology extremely valuable to average consumers.

But he used an expensive, high-tech printer at his school, which costs thousands of dollars.

Now, we need to make the technology affordable.

What If Everyone Had Access to a 3D Printer?

Enter 28-year-old Rylan Grayston from Yorkton, Saskatchewan, Canada.

Simple curiosity and ingenuity fueled Grayston’s invention of a 3D printer that sells for just 100 Canadian dollars (US$75).

“I didn’t have enough money for a 3D printer that I wanted, so I just started thinking about how can I do this myself?” Grayston told CBC News.

Grayston has no formal training in engineering or computer science, CBC reports, but he’s been a “tinkerer” his whole life.

“[This printer] completely changes the game,” University of Regina computer science professor David Gerhard told CBC News.

“To be able to do it for a hundred bucks and basically with stuff you can find around your house, that’s the thing that changes everything.”

The printer, called Peachy Printer, took off as a Kickstarter project.

Grayston and team sold pre-orders for more than 5,000 printers and raised CA$651,091 on Kickstarter and another CA$74,167 on Indiegogo.

If you missed it, you can still order one!

For $100, you can get the Peachy Printer Kit, which includes all the parts you need to build the printer with snap-fit assembly. Estimated build time is one hour.

This kit also includes 100mL of resin (the “ink” of a 3D printer) — and you can buy additional resin for $60 per liter.

A fully assembled printer was available for pre-order for $400, but isn’t yet available for general sale.

An Open Source 3D Printer

Particularly notable is how Grayston seems to feel about being a so-called game-changer.

He’s not interested in becoming rich off the invention.

“All I want to do is invent,” Grayston told CBC News.

He said he used information from the Internet to create the printer, so he won’t be filing for a patent. And he’s going to post his plans online, in line with the brand’s moral principle to remain open source.

So if you’re a tinkerer yourself, you could forgo the $100 altogether, and create your own at-home 3D printer.

I’m really going to need to catch up with the times…

Your Turn: Would you buy your own $100 3D printer?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

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Mobile providers launch iPhone SE prices: what are the best deals?

The iPhone SE, Apple’s cheapest ever handset arrives next Thursday, and some UK providers have today unveiled the deals they’ll offer.

The iPhone SE, Apple’s cheapest ever handset arrives next Thursday, and some UK providers have today unveiled the deals they’ll offer.

Apple has already said the 16GB handset will cost £359 and the 64GB handset will cost £439 to buy upfront.

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How to Save $2,000 in 12 Months (A Month-By-Month Guide)

Mom Money

Listen – I get it. There are more than 5,000 different ways to make and save money on this blog — sometimes it can be a little overwhelming.

It’s not easy to know where to start, right?

So, we put together a month-by-month guide to help you save an extra $2,000 this year.

Nothing on this list requires you go to a second job every night, nor will these tasks pull you away from your family. In fact, it’s mainly stuff you can do in front of the TV!

Also, these ideas are just suggestions. If there’s a task during one month that doesn’t really suit you, you can easily replace it with something else (just click the “Money Hacks” tab at the top for more ideas).

Let me know if you have any questions! Good luck!

Month 1: Open a Separate Checking Account

First things first, open a separate checking account and deposit $100.

You can save this extra money at your existing bank, but I find I’m less likely to withdraw the money if it’s somewhere else.

There are a bunch of banks with low fees these day, but one of my favorites is TD Bank — they’ll even give you a free Galaxy phone just for opening a checking account online!  

There’s no minimum to open an account with TD bank and as long as you deposit $100 or more, you’ll avoid any monthly fees.

I know it doesn’t seem worth it to deposit only hundred bucks, but getting started is an extremely important first step! Just trust me.

Total Saved: $100

Month 2: Install This App and Earn an Extra $65

This month’s pretty easy. You just have to install the Media Insiders app on your phone by the trusted analytics firm, ComScore.

The app’s purpose is to collect anonymous statistics from your phone to help your favorite websites, apps, tech companies and mobile carriers give you better services and more features.

  1. Here’s a link to download Media Insiders (it’s completely free).
  2. The app collects your location data, and in exchange, lets you earn points which can be redeemed for Paypal or Amazon gift cards. You can earn around $65/year with this one.

Total Saved: $165

Month 3: Give Your Opinion to Earn $30

The goal for this month is just to save an extra $30.

There are a ton of ways to make that happen, but one easy option is to sign up with Ipsos Panel.

Ipsos Panel is one of the only legitimate paid survey companies out there (they’re rated an A+ with the Better Business Bureau).

You might recognize the name from the news, because they conduct a lot of the presidential polling.

Most of you know surveys aren’t my favorite way to make extra money — they can be a little time-consuming.

But I make an exception when I’m just vegging out on the couch. I figure as long as I’m just watching TV, I can click a few buttons at the same time.

Sign up for this at the beginning of the month and promise yourself you’ll login a few times each week. You’ll have no trouble earning an extra $30 this month.

Total Saved: $195

Month 4: Write an Article and Earn an Extra $75

Did you know The Penny Hoarder will pay you $75 to write an article for us?

Seriously.

If you’ve got a creative way to save or make extra money, we want to know about it. Head over to this page to learn more about how to pitch our editor with your idea.

Total Saved: $270

Month 5: Switch Search Engines to Earn $50

If you’re willing to try a different search engine, you can earn over $50/year.

Just sign up for Bing Rewards — every time you use Bing to make a search on your phone or computer, you’ll earn extra money. If you make 15+ searches a day, you should earn $50+ every year.

Total Saved: $320

Month 6: Interact With Advertisers to Earn $50

One of my favorite ways to make extra money is with InboxDollars, because they pay you to interact with advertisers.

They’ll pay you to take surveys, watch ads, clip coupons and try different products.

Now, you’re not going to get rich doing this, but you can definitely make $100. And you’ve got all month to make it happen.

Total Saved: $370

Month 7: Negotiate Your Bills to Save $300

We all know you can negotiate the price of a car, but did you know that you can negotiate your cell phone and cable bill?

I recently did this with my AT&T bill. I already had the cheapest advertised plan, but I called AT&T and asked if they could do anything to help me reduce the bill. They ended up knocking off $20/month, saving me $360/year!

I also did the same thing with my cable bill and racked up another $200/year in savings.

Here are some tips on how to negotiate these bills.

Total Saved: $670

Month 8: Rent Out Your Place and Pocket $100

All right, this might not work for everybody, but have you thought about renting out your house or apartment for one night?

I’ve used Airbnb to both rent out my apartment and stay in many others while traveling — it’s a fantastic way to make your home work for you.

Whether you’re renting out a single room or entire home, make the most of your Airbnb rental by following these tips.

Total Saved: $770

Month 9: Have an Online Garage Sale & Earn an Extra $250

We all have way too much junk just sitting around, so this month’s project is to sell some of your old stuff online.

Here are some of my favorite websites for doing just that:

Tradesy: Use this site to sell your old clothes

Bookscouter – Use this site to sell your old books

eBay: Everything else goes on eBay.

Total Saved: $1,020

Month 10: Join a Jury to Earn $150

Have you heard of mock juries?

A mock or surrogate juror reviews evidence and renders a decision to help lawyers prepare for real cases.

I wrote about how I made $150 as a mock juror, which involved eight hours in a hotel conference room.

But there are also some online versions including:

Ejury

Trial Juries

Online Verdict

Join a few mock juries this month and put that extra cash in your savings account.

Total Saved: $1,170

Month 11: Give a Ride with the Uber app

If you find solace on the road and enjoy finding the best route across town, this is a great way to make money doing it!

As an Uber contractor, you’re responsible for setting your schedule and motivating yourself to work — no one is keeping tabs on you. You earn 80% of everything you earn as a driver (Uber keeps 20%).

If you want to give it a try, there are a few things to keep in mind.

You must be at least 21 years old, have three years of driving experience, an in-state driver’s license, clean driving record and be able to pass a criminal background check.

Here’s a link to apply with Uber. You can easily make an extra $200 with only a couple days of effort.

Total Saved: $1,375

Month 12: Clean Up Google and Earn an Extra $625

All right, this month is definitely the toughest.

You’ve got to put aside an extra $625, but I’ve got an idea to help.

Our writer Steve Gillman just wrote about how he made $700 in one month helping Google clean up its search engine results. And the company is hiring more people to help.

Search engines are full of errors, so they need real humans to look at the results and judge them for quality, relevancy and usefulness.

If you’re interested in this type of work, head over to this article to get more info on how to apply.

Total Saved: $2,000

Nicely done! You’ve finished the year with a cool $2,000 in savings. Just rinse and repeat every year, and you’ll start to build up a pretty hefty savings account. :)

Good luck Penny Hoarders!

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These Hot Jobs for Veterans Pay At Least $46K. Here’s Who’s Hiring

Jobs for veterans

Transitioning into a new career is always tough — and transitioning from military to civilian life is often harder.

It helps to get hired by a company that understands and appreciates veterans, and to choose a career that’s both fast-growing and well-paying.

Luckily, G.I. Jobs has done a lot of the leg work for you with its list of 25 hot jobs for veterans.  

We’ve shared a few of our favorites — many of which don’t require a bachelor’s degree — below.

Hot Jobs for Veterans

“To create the list, we asked the 2016 Military Friendly® Employers — all 228 of them! — to identify the top jobs for which they are recruiting America’s veterans,” explains Dan Fazio for G.I. Jobs.

The site used data from the Bureau of Labor Statistics to determine the median salary and education requirements for each position.

The best part? It lists companies actively recruiting for these positions.

Here are five of our favorites:

1. Industrial Systems Operator

In this career, you’ll help manufacture goods by operating machines and assembling products — and you’ll only need a high school diploma.

Median Salary: $46,169

Who’s Hiring: APi Group

2. Clinical Technician

If you want to work in a hospital, but don’t want to spend years in school, check out this job. You’ll work in a lab and conduct tests on bodily fluids and tissues.

For this job, you’ll need an associate’s or bachelor’s degree.

Median Salary: $49,310

Who’s Hiring: Hospital Corporation of America, Kaiser Permanente and Sodexo

3. Communications Technician

As the world becomes more wired, we need more people to do the wiring. That’s where you’d come in: installing and troubleshooting telecommunications systems.

Some companies require a college education, so check with the individual employer.

Median Salary: $55,190

Who’s Hiring: Several companies, including Comcast NBCUniversal and Verizon

4. Construction Supervisor

Want to work in a crew and build stuff? This job might be the one for you.

You’ll need a high school diploma plus experience, or an associate’s degree.

Median Salary: $65,292

Who’s Hiring: CB&I, Troops to Trades and Walmart

5. Information Technology Specialist

You know tech jobs are hot — but did you know you don’t need a bachelor’s degree to become an IT Specialist?

Some companies will hire you with an associate’s degree, experience or military service, according to G.I. Jobs.

Median Salary: $61,380

Who’s Hiring: Tons of companies, including Bank of America, Farmers Insurance and The Home Depot

For the full list of 25 hot jobs for veterans, head over to G.I. Jobs.

Your Turn: Are you a veteran? What industry do you work in, and would you recommend it to other vets?

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.

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6 Ridiculously Easy Ways to Save Money at Dunkin’ Donuts

ways to save money

I don’t know about all of America, but I, for one, run on Dunkin’.

America’s probably just a tiny bit more reliant on fossil fuels than coffee and donuts, I think.

But even though your individual daily drive-thru transactions may seem small, those $3-$5 charges can add up quickly.

That’s why we put together this list of the best ways to save money at Dunkin Donuts.

You can get your pre-work fix… without accidentally spending your entire food budget on Munchies and Coolattas.

Here are six ways to save money on Dunkin’.

1. Sign Up for DDPerks

You’ll get not just one, but three free beverages when you sign up for Dunkin’ Donuts’ rewards program, DDPerks: one on signup, one on your birthday and one every 200 points.

One dollar equals five points, so you get a freebie every time you spend $40. If you’re buying a $3 coffee every day, you’ll get one in less than six weeks — and probably even more quickly, since you can also earn bonus points by taking advantage of special offers.

Plus, it’s easy to manage your account — just check out Dunkin’s mobile app. You can even pay with your phone!

2. Pay the Smart Way

OK, honesty time: This hack isn’t specific to Dunkin’ Donuts.

But if you’re not deal-stacking, you’re not penny-hoarding. Here’s what I mean…

Even if you’re going to ignore the rest of this post’s advice ( :( ) and pay full price for your coffee every morning, you could be getting a better deal if you pay the right way.

Buy a discounted gift card from a site like Raise. You might be able to buy a $20 gift card for just $15 — so you automatically save a nice percentage on every beverage, breakfast sandwich and donut you order.

If you want to do even better, buy the discounted gift card — or just the goodies themselves — with a cash-back credit card.

Even if it’s just 1%, you’re earning back real money when you spend with that card. Just make sure to pay off the full balance every month to avoid interest!

3. Clip Coupons

Even if you’re not a Perks member (why, though?), you can take advantage of coupons.

Check your local coupon books and circulars for Dunkin’ Donuts coupons — and don’t forget to look online, too.

4. Check Your Receipt

Don’t chuck the receipt with your straw wrapper!

Dunkin Donuts offers a free donut with beverage purchase to folks who fill out its customer service survey — and the code you need to access it is at the bottom of your receipt.

You can also check out rebate apps and programs, which might reimburse you for some amount of your purchase price when snap a photo of your receipt. Although it isn’t active right now, Ibotta has had Dunkin’ deals in the past!

5. Join AARP

If you qualify to be an AARP member, you’re in luck — you’re entitled to a free donut every time you purchase a large beverage.

6. Buy Your Own

One pound of Dunkin’ Donuts coffee will cost you about $9.

How many cups that’ll get you depends on both your brew method and what strength you take your joe, but it’s probably more than the number of beverages the same amount of cash would get you from the actual store.

Bonus: You’ll get to skip the ridiculous drive-thru line and actually make it to work on time.

Your Turn: How do you save money on Dunkin’ Donuts? Did we miss any awesome tips? Let us know in the comments!

Jamie Cattanach (@jamiecattanach) is a staff writer at The Penny Hoarder. She drinks more Dunkin’ Donuts coffee than you do. No, seriously.

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Over 180,000 NewDay card customers to be refunded - Debenhams, Topman, and Topshop store card holders affected

Over 180,000 customers of credit card firm NewDay, will be refunded over £4 million after the firm admitted it unfairly charged customers.

Over 180,000 customers of credit card firm NewDay, will be refunded over £4 million after the firm admitted it unfairly charged customers.

NewDay provides store cards for the likes of Debenhams, House of Fraser, Topshop and Topman, as well as credit cards for the likes of Aqua and Marbles, which are typically used by those with a poor credit score.

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My Ultimate Guide to Free Things That I Love to Do

Dana writes in:

What exactly is all of this “free stuff” you talk about doing all the time with your family and your friends? I’d love to see a list for ideas!

I often mention in articles for The Simple Dollar that I fill my free time with activities that cost very little. Most of my hobbies and interests and methods of filling time at this point are activities that either are strictly free or could be free to participate in or are paid for by expenses that I’m buying for other purposes.

But what exactly are those things?

What follows is a list of how I spend most of my free time, organized into what I consider to be sensible groupings. Each of these things are activities that I personally get a great deal of happiness and joy from, and each of them is essentially free.

Some caveats, though.

The items on this list are just things that I actually do. There are many, many more things out there in the world to try out that don’t actually cost anything. In many places, I’m going to suggest tools for finding those additional things, but the truth is that the list of possible free things to do is limitless. The only boundaries on it are set by your imagination.

The items on this list together consume far more time than I actually have. I’m constantly picking and choosing from among these ideas. I don’t do them all all of the time, simply because I don’t have the time. There are items on here I haven’t done in months, not because I dislike them, but because there’s only so much free time to be had.

My children in particular often influence what I choose. If I were not a parent, the frequency with which I choose many of the items on this list would change drastically. I often find myself choosing activities that my children can also happily participate in.

I do choose to do things not on this list sometimes. This isn’t a be-all-end-all list of how I spend my free time. It’s just a collection of free things that fill up a lot of my free time.

Given that, I hope you’ll find some activities on this list that can fill you with similar joy and happiness.

Let’s dig in.

Libraries

I spend quite a bit of my time at various libraries in my local area. I’ve checked out books at every public library within a good twenty five mile radius of my home and I’ve spent time working and researching topics at most of them over the years. Libraries provide a home base for a lot of my interests.

Books are the obvious things you can get from a library. Most libraries have tens of thousands of books that you can borrow for free, provided you return them in a timely fashion. If there’s a specific title that you want that the library doesn’t have, they can usually get it in a week or so via interlibrary loan. There are few things I enjoy more than browsing the shelves of a library, picking out a few books, and checking them out so that I can go home, curl up in a comfortable chair, and get lost in the pages for a few hours.

I read books purely to entertain me. I read them to enlighten and educate me. I read books to inspire me. I read books that are challenging, while others are just simply page-turners that sweep me away in an adventurous plot. I mostly read silently to myself, but I also read many books aloud to my children. Books and reading are a major part of my life, and the library makes that hobby essentially free.

DVDs and Bluray discs are another item that’s well worth checking out at your local library. Our family often checks out DVDs and Blurays from our local libraries for our family movie nights, skipping over the expense of renting one from a Redbox or buying one or renting one for streaming. After all, checking out a movie is free provided you return it in adequate time.

The selections at the library can sometimes be a mixed bag, but if you pay attention and browse through what they have, you can almost always come away with a gem, whether you’re choosing a movie for your whole family to watch or something just for you, or for you and others to watch together.

Audiobooks are a staple of our family road trips. We love to listen to an audiobook on our way to visit family and friends or on a family vacation. We’ve listened to dozens of family-appropriate audiobooks on these trips, all from the local library, and all without cost.

Similarly, I’ve checked out audiobooks from the library for long road trips that I’ve taken on my own, or just with my wife, or just with a close friend or two. Naturally, the selections differ in those cases, but they provide a wonderful form of entertainment on a long road trip or flight, and you can’t argue with the price.

Children’s programs are provided by most libraries and tend to serve children from infancy all the way to high school. My children are annual participants in multiple summer reading programs sponsored by libraries, and when they were younger we took them to the free library reading times quite often. The local libraries also bring in speakers and presenters and actors and puppeteers appropriate for children and we take them to those activities, too.

While this isn’t so much an activity for me, it does offer a great opportunity for me to leave the kids in the children’s room at the library for a while, giving me time to browse the shelves without child distraction.

Book clubs are another feature of many local libraries. I have participated in a pair of book clubs over the years, including a wonderful science fiction and fantasy book club that I still miss (the librarian who ran that program retired). Again, participation is free – the library will usually find many copies of the book that the club is reading so all members can check them out.

If you want to turn reading into a bit of a social and conversational endeavor, a book club is a brilliant way to do that, and libraries everywhere are constantly running them.

Speeches and community meetings are another feature that many libraries provide to the community. Libraries often bring in people to talk about a wide variety of topics and leave those meetings open to the public, again, for free. Similarly, many community groups and forums use the library as a meeting place, providing a great opportunity to jump in and learn more about those things.

Parks

I absolutely love going to local, state, and national parks and wildlife preserves. Simply walking in the outdoors, breathing in the fresh air, seeing beautiful sights, and getting my body moving makes me feel incredibly good.

Playgrounds are a big part of this, unsurprisingly. As a parent of three young children, my kids are drawn to playgrounds like moths to a flame. I can’t complain, though – if they’re outside and getting exercise, it’s not a problem, and I’ll often curl up on a park bench and read while they’re playing on a playground.

But it doesn’t just end there.

Hiking trails are an endless source of enjoyment for me. I actually have a personal goal of going on every hiking trail in every state park in Iowa over the next several years, which is actually a pretty big goal since there are nearly a hundred state parks with many trails in each one.

Hiking trails provide an enormous variety of landscapes and vistas. They encourage you to get out there and get your body moving and get a bit of exercise. Most trails are labeled with their difficulty, so you’re not going to get stuck on a trail that exceeds your capabilities. And it’s all free.

I find walking on trails to just be incredibly mentally soothing while also being physically invigorating (provided that we’re not going at a breakneck pace). The best part is that there are so many trails near me (and probably near you) that I never need to have the same experience twice.

Biking is something of an extension of trail hiking. Many areas offer bike trails which combine many elements of the pleasure of trail hiking with the fun of riding a bicycle. Sure, you need a bike of your own for this as well as a bike helmet, but if you already have that gear, this is essentially a free activity.

Bird watching is something I often combine with trail hiking. I love hearing bird calls, looking for them in the trees, and watching how they act, particularly when there are other birds around. I’m slowly getting better at being able to identify birds by sound, a skill that my father has in spades and one that I don’t quite have yet. I sometimes take pictures of rarer birds, just to remember that I saw them.

Nature exploration and discovery extends beyond mere bird watching and stretches into things like being able to identify native trees and plants. This is more of a personal interest that probably won’t be widely shared, but it’s something that I deeply enjoy.

Social Gatherings

One of my favorite ways to spend my spare time is to plan and host (and also attend) social events with my friends. These tend to come in several flavors, of which I’ll mention three.

Dinner parties are simply events where someone invites several people to their home and makes dinner for everyone involved. The guests often bring drinks of various kinds.

Since this is a large home-cooked meal, ingredients can usually be bought in bulk, which takes the price down. There’s also the “reciprocation” factor, in that if you have people over for an enjoyable dinner, they’ll often reciprocate in some fashion, providing you a “free” meal and essentially recouping your cost.

We enjoy hosting these, and we also enjoy going to them when they’re hosted by others. We have several friends with whom we exchange these kinds of dinner parties. The cost is a wash because it essentially boils down to a large homecooked meal for several people followed by a free meal or two for our family.

Board game nights are often linked into dinner parties, but essentially it just consists of pulling a few board games off of our bookshelves and playing them, or playing the games that guests bring with them. Sure, again, there’s that initial cost of having a board game or two on hand, but you can simply do this with a deck of playing cards if you wish.

Movie nights often revolve around a movie that one or the other of us has in our already-existing movie libraries. Often, we’ll watch a movie that one friend or another received as a holiday gift. This often follows on the heels of a dinner together, providing a very cheap evening of entertainment.

Exploration

This somewhat goes hand in hand with parks, but these activities can be done in other places and, in some cases, actually cannot be done in parks.

Geocaching is a fun activity in which you use a GPS device to find “caches” that are hidden all over the place. Caches are kind of like tiny treasure boxes which usually just contain a small paper log for people to sign, but sometimes also contains unusual trinkets.

If you have a GPS device or a smartphone, it’s pretty much free to go geocaching, and you can find geocaches virtually everywhere. There are several within easy walking distance of our home, for example. It’s a great activity for exploring an area and it can be a really fun search when you’re actually looking for a geocache when you know you’re close to it. You can start by checking out Geocaching.com.

Ingress is basically “virtual geocaching.” It’s a free smartphone game where real world landmarks are the “caches” you’re looking for. Players are on one of two teams, and you fight over control of these landmarks (which amounts to physically visiting landmarks controlled by other players and then playing a number of smartphone mini-games while standing there).

If you have an iOS or Android phone, this app is free and has no additional cost. It’s a great mix of a smartphone game and real-world exploration, since you have to go out and about to play. You can find out more about this game at ingress.com.

Morel (mushroom) hunting is an annual spring activity for my family, something I’ve written about extensively before. It gets me out in the woods a lot when morels are in season. I’ll get up really early, get as much work done as possible by mid-morning, and spend hours wandering in the woods.

This is something that takes some practice and also requires permission from the land owner before picking morels. It’s definitely a rural activity, but it’s also definitely a fulfilling and very relaxing activity.

Rock collecting follows many of the same traits as morel hunting, except you can do it year round. You simply need permission from the land owner to harvest interesting rocks that you find. I love wandering around on creek beds looking for beautiful rocks to add to our gardens.

Summer Community Festivals

During the summer, we attend virtually every community festival in our area. Community festivals can be expensive if you drop money at the flea markets or buy expensive foods there, but we often bring along a cooler with sandwiches and other foods inside to keep our meals cheap. That way, we can enjoy these festivals without any real cost.

Parades are a big part of the enjoyment of community festivals, especially with children who have a lot of fun collecting candy. I enjoy seeing the creativity and effort that local groups and business put into their displays and I also enjoy the local marching bands.

Demonstrations are another nice part of community festivals. We almost always go to any martial arts demonstrations that groups put on. In many communities, the demonstrations have a lot to do with the local flavor and heritage of the town, so we’ll often partake in some demonstrations that relate to that local culture. For example, in Pella, Iowa, there are many demonstrations of Dutch crafts and architecture during their community festival.

Free concerts are a staple of many community festivals. Local bands will often take the stage and play several songs… and if you don’t like that particular group, just wait a while and someone else will be on the stage. I’ve discovered several great local acts that I actually look for when they’re performing.

Fireworks in the evening are another part of community festivals without any cost. It’s a great way to put a cap on a day spent at a community festival. We just find an open spot, spread out a blanket, and relax while the fireworks illuminate the sky above us.

Meetups

I’m a big fan of Meetup.com, which is a great way to find groups in your area that are related to particular interests. These events are virtually always free to check out, at least. I’ve dabbled in a lot of groups, but three types often stand out to me.

Community game nights are simply opportunities for people to meet up to play and learn tabletop games – usually board games, but sometimes including tabletop RPGs, miniatures games, and other things. I’m involved with two different groups that meet on some sort of regular basis for games.

Maker groups get together for the pleasure of simply making things with your hands, often using modern technologies. Such groups are often associated with makerspaces which often require memberships, but you’ll often be able to visit for free during maker meetups. If you enjoy making stuff with your hands, regardless of whether it’s building a robot prototype or something as different as arts and crafts, a maker group will be enjoyable.

Technology groups are face-to-face groups where people share ideas and strategies for technology solutions for problems. These groups are often loaded with IT professionals of various flavors, and the groups are usually centered around a mix of presentations on technical topics, socializing within a professional peer group, and occasional community volunteer efforts like setting up computers for a charity.

Volunteering

The last group of free activities that use some of my time are volunteer activities. These also involve a wide array of things. Here are three areas that I spend my own time on.

Political campaigning simply means stepping up to the plate for a candidate or a particular issue and doing whatever work is necessary to get people to vote for and support that candidate or issue. This can involve things like phone banking (meaning you call up people and encourage them to vote), going door to door, doing office work, or handling other “grunt work” that needs to be done to help a candidate or issue succeed. It’s not glamorous, but it is rewarding, especially when your candidate or issue secures a victory on election day.

Charity work simply means you’re providing your time and energy for a cause in your community (or elsewhere). This can mean something as simple as volunteering at a food bank or a soup kitchen or something as involving as working on a Habitat for Humanity house or collecting canned goods for a food pantry.

Community work overlaps with charity work quite a bit, but I look at community work as stepping up for tasks that make shared community resources better. Doing things like tending public gardens, cleaning up roadways, and other such tasks makes your area nicer for everyone that lives there.

Final Thoughts

If you want to know how I fill my free time with free or extremely low cost activities, well, there’s your list. Those activities actually exceed the free time that I actually have, so I’m often choosing from among these given my energy level or the need at the moment. For example, in the fall, I’ll give a higher focus to political campaigns, whereas in the spring I might be more focused on things like hunting for mushrooms in the woods.

The point is this: there are many, many, many interesting and engaging things to do out there for free if you’ll simply look for them. You can learn new things, meet new people, explore new places, and do it all for practically nothing. You just have to be willing to expand your horizons a little.

Good luck!

The post My Ultimate Guide to Free Things That I Love to Do appeared first on The Simple Dollar.



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Are You TOO Frugal? Here’s How to Tell

Too many movie snacks? or maybe not enough.

Am I too frugal?

I tear paper towels into smaller pieces to use as napkins and I’ve negotiated a 40% discount in a regular bookstore.

In my post on things you can make to save money, I explain how I took my homemade vest on a 20,000-foot climb. I’ve also written about the intricate math needed to find the cheapest beer.

To me, that’s all reasonable frugality.

On the other hand, I don’t reuse dental floss or dig popcorn containers out of the trash at the movies to get free refills — like the Penny Hoarders in my post about weird things people do to save money. I’m not that compulsive about spending less.

But there’s some evidence you can become addicted to saving money.

Researchers have found the pain and disgust areas of the brain (the insula) light up when test subjects see the price tag on expensive chocolate — even when participants are chocolate lovers.

Some people may have an even stronger disgust response to paying too much, perhaps even a compulsive aversion to spending money.

Whether you pinch pennies as a rational choice or a reactionary compulsion, what do you consider to be too frugal?

We all draw the line differently, but here are five indications you may have gone too far to save money.

1. You Buy More Than You Need

My friend knew all the tricks for getting a deal, and she regularly paid just a few dollars for a shopping cart full of groceries.

Great! Except when I helped her move, we had to throw away 200 pounds of old meat she’d accumulated in a freezer over five years — all bought on sale, of course.

It makes sense to get the best deal you can on the things you buy.

But buying a $5 item for $1 isn’t very meaningful if it’s something you don’t need or won’t get around to using.

When “getting a deal” becomes a compulsion, you might start buying more than you need. In that case, every savings “deal” could really be an additional cost.

2. You Start to Cross Ethical Lines

I sneak snacks into the movie theater, except on Tuesdays, when a medium popcorn is $2.50 instead of the usual $7.

I’ll never pay $7 for popcorn or $5 for a bottle of water!

I’d go to the movies less often if I didn’t have my snacks, so my sneakiness means the theater owner can at least make a small profit on the tickets and Tuesday popcorn — which is better than nothing. I’m comfortable with my reasoning, or rationalization.

On the other hand, my same friend loads her purse with food to go when she eats at an all-you-can-eat buffet. For me, that crosses an ethical line.

We could argue all day about when frugality becomes unethical, but if you start crossing your own lines, you’re probably going too far just to save a buck.

3. You Ignore the Long-Term Cost

I used to buy the cheapest shoes I could find, but eventually I did the math.

By buying high-quality shoes on sale — and still paying twice as much as I would for cheap shoes — I actually saved money. The higher-quality shoes lasted three times as long.

Sometimes it makes sense to buy the cheapest item, and sometimes it just costs you more in the long run. For examples, see my post on things to buy and not to buy at a dollar store.

Long-run costs are not just about what you spend on the products themselves. There are other costs to consider, like the cost of vet visits if your cat eats the cheapest foods. Or even your own future health care costs if you live on cheap ramen noodles.

4. You Ignore Your Needs and Desires

Think back to a few purchases and experiences you’ve passed up to save money.

If you feel no pangs of regret, congratulations! You made a rational frugal choice.

But if you find yourself wondering “what if I’d taken that trip,” or “what if I’d bought that bicycle,” or something similar, your frugality may have gone too far.

If you’re not sure whether you’re passing up something good just to save a few bucks, wait.

Scientific research shows a link between delayed gratification and life satisfaction, and there are several ways in which procrastination helps you save money.

But the main point here is most impulsive desires fade with time. So if yours persists, it may be too important to pass up. Get out that wallet!

For example, here are 12 things these money bloggers never regret spending money on.

5. You Forget the Value of Your Time

The value of your time is a personal calculation, but one you might want to do.

You don’t want to work for a low “savings wage” — or what you save per hour for your frugality efforts. Instead, you might be financially better off by using that time to make money.

For example, you might put in an extra hour at work instead of spending hours clipping coupons to save $4 or $5.

Plus, some ways to save money yield more per hour. For example, three of the seven entries in my post on ways to make $100 or more per hour are actually ways to save money.

It makes sense to do those before you spend 15 minutes filling out and sending in a rebate form to save a buck or two.

Your time is valuable, so spend it wisely, even if it means passing up some opportunities to save money. You don’t want to be too frugal.

Your Turn: Do you sometimes go too far when trying to save 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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Boost your income with the April edition of Moneywise out now

Give your income a spring boost with the April edition of Moneywise, which goes on sale in WH Smith stores today.

Give your income a spring boost with the April edition of Moneywise, which goes on sale in WH Smith stores today.

For £3.95, find out how to turn your hobby into a business and how to cut the cost of mobile phones and household bills.

Savers will find last-minute Isa tips, how to get 9% from peer-to-peer lending, and how to use the new tax-free savings allowance.

read more



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Sky TV customers to be hit with price hike

Sky TV customers will be hit with price hikes from 1 June, the provider has confirmed.

Sky TV customers will be hit with price hikes from 1 June, the provider has confirmed.

Prices will rise by “less than £3/month” on average according to Sky, but that’s still up to £36/year - while some could pay much more depending on the combination of packages they have.

read more



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How I Make an Extra $800 a Month Reselling Thrift Store Clothes on eBay

selling on ebay

Like any loyal reader of The Penny Hoarder, I know the value of thrift shops.

To cut expenses, I started shopping for clothes at places like Goodwill and Salvation Army. Thrifting is always hit or miss, but I’ve found many decent items.

One day, I found a pair of NYDJ jeans. I adore the brand for its fit and quality, but hate the $120 price tag. I was so excited to see them at Goodwill — but they were about four sizes too small.

Dejected, I was about to put them back when it occurred to me — other people love the brand, too. I ended up buying the jeans for just $5.

I had an eBay account I’d used once before when I was moving and selling some silly knickknacks, so I listed the jeans on there.

I was utterly shocked when those jeans ended up selling for more than $50. That was my first introduction to the idea of reselling thrift store clothes for profit.

Now, it’s how I supplement my income and build my savings.

How to Start Reselling Thrift Store Clothes

I started very small.

I didn’t want to spend a lot on startup costs, so I set an initial budget of about $75.

I bought a cheap postal scale for $21 on Amazon and stocked up on three rolls of packaging tape from the dollar store. For shipping materials, I used USPS’s free flat rate envelopes.

I did some online research to find thrift stores in wealthier areas, where people were more likely to donate higher-end goods. I decided to focus solely on women’s clothing, since I’m more familiar with those brands.

I hit just one store and took home five pairs of jeans at $5 each, four cashmere sweaters for $3 each, two blazers for $6 each and one dress for $5, bringing my first batch of inventory’s total cost to $54.

I read online that a professional eBay listing template was essential, but I couldn’t find a free one to use. Instead, I started all my listings as auctions and offered free shipping. I set the starting price at the item’s purchase cost plus shipping and padded it by $2 to cover eBay’s seller fees.

Amazingly, each item went for $20-$30 over the minimums. I more than tripled my money.

Starting to Get Serious

When I realized this hobby could be profitable, I got ruthless in evaluating inventory.

I learned what brands sold well and which didn’t. J.Crew pieces sold instantly, while I could only sell Banana Republic sweaters and trousers; no one would bid on Banana Republic jeans.

If a sweater had even 1% of cashmere, it was a moneymaker — regardless of the brand name.

I started to learn about SEO to get my items in front of more people, and I taught myself some basic HTML using YouTube tutorials so I could build my own templates.

I ordered free business cards from VistaPrint (they have its logo on the back) and only paid $6.95 for shipping.

I also bought thank-you notes from the dollar store. Feedback is essential for any eBay seller — and I found mine went up when I included thank-yous.

As my profits grew, I began to get more elaborate. These investments took my business to the next level and increased my profits:

Mannequins

Possibly the best purchase I’ve made (and the most bizarre) is a leg form I bought off Amazon for $55.

With just legs and a butt, house guests seemed to think I was a crazy person, but it made pants and jeans look ten times better — and increased the bids on those items.

I also have an expandable dress form for tops and dresses, which was a godsend. It showed the shape and lines of pieces and made them look far nicer than they would have on a hanger.

Dry Cleaning

Some thrift store clothes have been hanging in musty places for some time — and they smell like it.

Rather than spending a fortune at a professional drycleaner, I throw these items into the dryer with the Woolite DryCleaning system. For less than $10, the kit makes full loads of clothes smell fresh and new.

Fabric Shaver

Cashmere is a huge seller.

Many sweaters I find are gorgeous, but were donated because they have heavy pilling.

Five minutes with a $9 fabric shaver and those sweaters look brand new! They often sell for $50 and up.

Steamer

Rather than ironing, I use a steamer to get wrinkles out for pictures. It makes items lay nicely on the dress forms.

Clothespins

For items too big for my dress form, clothespins are essential to show the garment’s shape and details.

Backdrop

I bought a $2 white sheet from Goodwill and pinned it to a wall for a clean photo backdrop.

FotoFuze

Fotofuze is an online program that removes backgrounds from images, giving pictures of clothing a very professional look.

FotoFuze is free to use, but I pay $5 a month for a pro account so I can edit more photos.

What I Make Selling Clothes on eBay

Once I made upgrades with my photos and listings, my items started selling for much more.

After deducting expenses — inventory costs, plus shipping, eBay and Paypal fees — I regularly make between $500 and $800 a month in profit.

It’s a very part-time job. It usually only takes me about 10 to 15 hours a week to shop for items, take pictures, list items and ship them out.

The money has been excellent supplemental income and helped me significantly boost my savings. And with new clothing donations constantly coming in, I always have fresh inventory to sell.

Your Turn: Have you ever tried selling thrift store clothes on eBay?

Disclosure: A toast to savings! Thanks for allowing us to place affiliate links in this post.

Kat Tretina is a freelance writer located in Orlando specializing in personal finance. She is a long-time eBay seller and side gig enthusiast.

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How to Build a Campaign and Audience on Instagram

By Donna Amos Social media has become a great way for companies of every size to reach out to their customers. It is especially effective for solopreneurs, as it allows them to compete on an even playing field with larger companies within their industry. By creating a marketing campaign on a social media platform like Instagram, […]

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