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الثلاثاء، 14 يونيو 2016

This Company Will Pay You $24 an Hour to Help People Find Love

Do you love love?

Are you always setting up your friends?

Then it might be time to try your hand as a professional matchmaker.

Right now, Three Day Rule (TDR) is hiring matchmakers in cities across the country.

You’ll need to have a college degree, or be working toward one. But the jobs don’t require any other specific experience.

Here’s how to get your yenta on.

How to Get a Matchmaker Job With TDR

Match’s “exclusive premium matchmaking service,” TDR is “growing rapidly across the U.S.”

With services in six American cities, it plans to expand to “up to 12 more” this year — and needs more matchmakers.

The jobs were posted on the site several weeks ago, but TDR public relations consultant Courtney Flantzer assured me the positions are still available.

For both jobs (matchmaker and junior matchmaker), you don’t need experience — but you do need excellent communication skills and a passion for matchmaking.

You’ll use your network and TDR events to find and convert singles into clients, then provide dating coaching as you select potential matches and help them find love.

Here are the specifications for each role:

Matchmaker

This is a full-time position you’ll work on your own schedule. Pay is commission-based and “uncapped.”

You must have three or more years of full-time work experience, plus a bachelor’s degree — though advanced degrees are preferred.

Positions are available in Boston, Chicago, DC, Los Angeles, New York, San Jose and San Francisco.

Junior Matchmaker

In this part-time position, you’ll earn $24 per hour and work 24 hours per week. If you excel, you might have the opportunity to become a full-time matchmaker.

To be considered, you must have a college degree, or be currently enrolled. You also must be willing to work evenings.

Positions are available in Boston and New York.

To apply for any of the positions listed above, click here and follow the instructions.

Your Turn: Does this sound like your dream job?

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 This Company Will Pay You $24 an Hour to Help People Find Love appeared first on The Penny Hoarder.



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Did John Oliver Just Make Saving for Retirement Sound Fun?

John Oliver took on finances again on “Last Week Tonight,” and this time he talked about the biggie: retirement savings.

The subject isn’t exciting, to be sure. But if anyone can get you to pay attention — and you should — it’s the beloved HBO host.

In this week’s main segment, Oliver tackles the way financial services companies work — a subject that, he admits, “sounds boring.”

But that knowledge has a huge impact on your retirement savings, as he goes on to illustrate through the surprising and somehow hilarious exposé that includes the “Last Week Tonight” staff’s own workplace retirement plan.

To simplify things, LWT skipped the so-called experts and brought in actor and comedian Billy Eichner to tell you five basic things that will help you save for retirement.

You can watch the full video below. Here are your five key takeaways:

1. Start Saving Now

“In fact, start saving 10 years ago!” urges Eichner.

If your employer offers a 401(k), this can be the best place to start. If you don’t have the option, consider an individual retirement account (IRA).

“Now” is the key to saving for retirement, because your investments require time to grow through the “magic” (that’s what we writers call math) of compound interest.

As Oliver points out, “now” may not be a reality for you. “Now” should really mean ASAP. As soon as you have space in your budget, start directing some funds to a retirement account.

It doesn’t have to be a lot.

Save a little at a time, and let compound interest do the heavy lifting. Look how you could save more than $683,000 by retirement if you put away just $25 per week starting at age 21.

And if you’re as lost about budgeting as I was, here are the 10 steps I took to get my act together and manage my money in just 15 minutes a month.

2. Invest in Low-Cost Index Funds

Much of the segment warns against “active management.” Managed funds, Oliver explains, stand to cost and possibly lose you a lot of money.

“Average people like you — and let’s face it, you’re very, very average — should probably just invest in low-cost index funds and leave it alone,” Eichner points out.

That sounds exhaustively boring and more complicated than it is. Don’t worry. Low-cost index funds should be an option — maybe even the default — for your 401(k).

If that delightful “meet your 401(k)” conference call the company invites you to doesn’t explain any of this in terms you understand, don’t be afraid to consult your HR rep so you know what’s happening with the money they’re shaving off your paychecks.

3. Make Sure Your “Financial Advisor” is Actually a Fiduciary

Your financial advisor may certainly have your best interests in mind — we’re not knocking them, necessarily. But if they’re not a fiduciary, their legal and ethical obligation is not guaranteed, according to Oliver.

Because of recent regulatory changes, the person managing your retirement accounts will soon have to be a fiduciary. No more questionable, unregulated advisors, wealth managers, consultants or analysts will be in charge of your financial future.

But that’s not in effect until next year. So check now: Is the person offering advice about your retirement investments a “fiduciary”?

If you’re not sure, the best way to find out is to ask them.

Can’t tell whether you’re getting bad financial advice? Here are three signs.

4. Gradually Shift Investments from Stocks to Bonds

As you get older, start moving your money out of those index funds and into bonds.

We’re not financial advisors of any sort, so we recommend you consult your scrupulous fiduciary if you’re not sure how or when to do this.

5. Try to Keep Your Fees Under 1%

Keep an eye on the fees your financial services provider charges on your investments.

“Just like interest compounds, so do fees,” Eichner warns. As your investments grow, so will your fees, and that could mean a lot of lost money over time.

For example, a fee of just 2% over 50 years could cut your earnings by 63%, Oliver notes, citing a report by PBS.

“Think of fees like termites,” he suggests. “They’re tiny, they’re barely noticeable and they can eat away your …  future.”

One of the most notable places you’ll accrue fees is through active management of your funds — which, as we note above, you probably don’t need.

Your Turn: What questions do you still have about saving for retirement?

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).

The post Did John Oliver Just Make Saving for Retirement Sound Fun? appeared first on The Penny Hoarder.



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3 Utterly Obvious Ways To Build Wealth

You don’t have to be a rocket scientist to build wealth.

In case you didn’t let that first sentence soak in, read it again.

The wealthy understand that while being smart can certainly help you earn money, that doesn’t necessarily mean you’ll build wealth with your earnings.

Likewise, being famous doesn’t necessarily mean you’ll be able to build wealth. Sure, it can help, but there are countless stories of those who earn a ton of money only to watch it disappear seemingly overnight.

Utterly_Obvious_Ways_to_Build_Wealth_optimized

So, what are the secrets to building wealth? And, once you build wealth, how do you keep it? The truth is that the “secrets” to building wealth really aren’t secrets at all.

They are simply commonsense behaviors that, when practiced with purpose and over a long period of time, are likely to result in a pool full of cash (if that’s how you like to stockpile your money).

Let’s take a look at some of these behaviors.

1. Say “no” to debt.

Joseph A. Carbone, Jr., CFP®, wealth advisor and founder of WealthManagementfortheRealWorld.com reveals,

“The most successful clients that I have worked with over my 18-year career, are those that have no debt and positive cash flow.”

Saying “no” to debt is truly a behavior at the heart of so many wealthy individuals. Why? It has something to do with interest rates.

Student loans, credit cards, personal loans, car loans, and many other types of debt all have interest rates. Some of these rates are higher than others, but one thing is guaranteed: you will pay a lot more money than necessary if you make minimum payments on a loan, and the interest rates will slowly drain any wealth you do have.

Unfortunately, that’s where many people get stuck. They are so used to debt, they think it’s normal and shrug it off as a way of life. Sure, it might be a way of life for some people, but it doesn’t have to be a way of life for you.

The way to get out of debt is to focus your energy on saying “no” to more debt. Make money fast, you might choose to attack your debt even faster than you might initially think possible.

2. Practice discipline and invest for the long-term.

It can be all too easy to get caught up in the hype of this stock or that stock. The media continually reports this or that “new hot stock.” Don’t fall for the trap. We all know it’s better to diversify your investments and not get carried away by the allure of quick wealth.

Scott Wellens, CFP®, financial advisor and founder of BestinWealth.com explains,

“The number one behavior that inevitably leads to more wealth is staying disciplined. Emotions are very real and very dangerous, and it’s hard to be objective about your money, especially when people around us are talking about doom and gloom as it relates to the economy. Most of your money is invested for the long-term – do not make short-term decisions about your long-term money. The best way to get market-like returns is not to fool with your investment mix. If you do, the probability of achieving your financial goals will most likely go down. Predicting where the stock market is headed and making decisions off of the prediction is a fool’s game. It requires a crystal ball – and no one has a crystal ball. Stay disciplined.”

The stock market, for example, can be extremely volatile from year to year. Newbie investors might find themselves panicking when the stock market takes a steep dive, and decide they can pick the winning stocks. This is a mistake.

The best advice is to buy and hold. And when you do so, hold for a long, long time. The discipline to stick to the buy-and-hold strategy isn’t easily found, but if you can find it, you’re much more likely to find yourself financially stable in retirement.

3. Stay frugal, friends.

You just got a new job. Now you’re bringing in the big bucks. Time to relax and buy that boat you always wanted, and that recreational vehicle, and that gold-infused (and bejeweled) smartphone case (to protect your less expensive smartphone, of course), right?

You guessed it: wrong!

It’s a much better idea to stay frugal. Remember, you can only build wealth by saving money, not spending it. Sure, you’re going to have to spend some money, but you don’t have to inflate your lifestyle to match your new income. Far from it.

Benjamin Brandt, CFP®, at RetirementStartsTodayRadio.com, talks about the lifestyle creep phenomenon:

“It’s human nature for any increase in income to be immediately swallowed by lifestyle improvements, a phenomenon known as ‘lifestyle creep.’ Avoid lifestyle creep and build guaranteed increases into your savings plan by changing the way you think about annual raises. The next time you are presented with a raise, challenge yourself to save half of the increase, and ‘creep’ with the other half. This strategy will allow you to pay yourself first, enjoy the fruits of your labor, and build wealth over time.”

It’s better to stay frugal, build wealth, and have a firm financial position rather than squander your money on things that you really don’t need – especially over the long-term.

There are plenty of ways to save money. Learn them, dream them, and act. Act frugal. Your wallet will thank you. Well, maybe not right away, but over time it will.

Final Thoughts

There is a common thread that ties all of these tips together: earn more, save more, and spend less. That’s an equation that will get you on the moderately-fast track to building wealth. Sure, it’s not an overnight fix, but it’s worth the journey.

To motivate yourself, envision what you could do with your wealth. Perhaps you could quit your day job and go on that mission trip that would be much more fulfilling. Maybe you could give more than you ever thought possible. Leave an inheritance to your children and grandchildren! The sky’s the limit.

This post originally appeared on Credit.com.



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Budweiser Clydesdales will make appearances in Monroe Co. through June 19

The Budweiser Clydesdales are in the Poconos this week. Resort Beverage Company in Tannersville has helped to bring these iconic animals to the area for everyone to enjoy.The horses are stabled at Memorytown USA on Grange Road in Paradise Township and are accessible to the public when they are not attending various events throughout the week.The clydesdales will be seen Wednesday, June 15 from 3:45 p.m.-4:45 p.m. at Eagle Valley Beverage in East Stroudsburg, and Laurel [...]

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Seveteen Strategies for Cooling Off on Hot Summer Days without Breaking the Bank

Over the last week or so, summer has come into full bloom in our area, with most days featuring temperatures well into the 90s (F) with quite a bit of humidity in the air as well. After many months of cool weather, the change is quite a shock to the system, making it uncomfortable to go outside and do much of anything during the peak of the day and even making evenings and nights quite warm and toasty.

One perfect response to this is to just run the air conditioning and keep our house cool, but that’s incredibly expensive. To keep our house at a steady cool temperature during the summer will cause us to face an energy bill that approaches $400.

But isn’t the other option to simply face the heat and sweat constantly and feel miserable? Not so. We actually use a lot of strategies to keep cool during the summer months without needing to run the air conditioning constantly. We do tend to leave it on, but we leave it at an elevated temperature so as to keep our energy bills in check and many days we leave it off entirely.

Of course, we don’t just sit around in the heat all day. We have a large repertoire of strategies that we use to keep ourselves cool during the summer months beyond the obvious things like “use a fan.”

Run ceiling fans in summer mode. Ceiling fan blades can actually be set to run either clockwise or counterclockwise by utilizing a little switch that can be found on the base of most ceiling fans. During the winter, having the blades run clockwise maximizes the “warming” of a room by pushing warm air down from the ceiling. That’s not what you want during the summer.

Instead, what you want during the hot months is to have the blades running counterclockwise. What this does is actually create a “cooling” effect by maximizing air circulation around the room, giving the sense of a gentle breeze and cooling your skin. It can make a room feel up to eight degrees (F) cooler.

So, check your ceiling fan to see which way the blades are rotating. Stand under the fan and watch the direction of the blades. If they’re rotating clockwise and you can’t feel much of a breeze down on you, you need to flip the switch at the base of the fan, and doing so will make your home feel cooler.

Wear cotton clothes. Cotton clothing is wonderful in the summer for several reasons, and if you have any cotton clothes at home, wear them!

For starters, cotton offers great air circulation through the cloth, which means that fans blowing on you will be much more effective at cooling you off. Cotton is lightweight and is usually lightly colored (cotton is white by default), which allows light to reflect or pass through the cloth (which doesn’t heat you up) instead of having it be absorbed (which does heat you up). Cotton is also helpful for sensitive skin, especially if you’ve had a sunburn.

I try to wear 100% cotton shirts during the summer, ideally ones that are light in color. Dark colors and (especially) synthetic fibers trap a lot of heat and make you feel even hotter.

Take a freezer pack to bed. This one’s simple. If it’s still really hot at bedtime, take a freezer pack out of the freezer – one of those refreezable packs that people use to keep coolers and meals cold – and wrap it in a washcloth and put it in a water-tight Ziploc bag. Take that cool thing to bed with you.

While it won’t stay cold all night, it will certainly help cool things off right when you get into bed. I like to put it on the spot where I’m going to sleep about five minutes before laying down so that the spot is nice and cool (and even cold in one area) when I lay down in bed. In the morning, I just pop the freezer pack back into the freezer.

This really helps with the strategy of opening the windows in the evening and night instead of running the air conditioning.

Take a cold shower or bath. Even on the hottest days, the water out of our tap is usually pretty cool and even sometimes downright cold.

If I ever want to cool off – which I most certainly do if I have to do anything vigorous outside on a hot summer day – I just jump into the shower and take a very cool shower, as cool as I can stand it. I usually start off fairly warm and then slowly reduce the temperature until the water on me is quite cold.

If you have a bathtub, you can obviously do the same thing with a cool bath. I’ll often start this with fairly cool water, get in, then add cold water to it until it’s as cold as I can stand it. It feels so good on a hot day.

A cold shower or bath can reduce your body temperature quite nicely. It’s a great way to cool off if you ever feel hot and the feeling of coolness lasts for a while because you’ve reduced your core temperature and it takes a while for it to rise if you’re not being highly active.

Drink cold water – ideally ice water. Drinking ice cold water has many of the same effects as taking a cold shower, but on a much smaller scale.

It feels cold, which is a great feeling. It lowers your core temperature just a little bit, which means the feeling of coolness lasts for just a little while, but it does last. It also takes less time – just pour a glass of water and toss in a few ice cubes.

Ice water is my constant companion on a cold day. I love to fill up a water bottle with ice, then add water to fill in the gaps. I’ll keep that icy water bottle near me to cool off whenever I need it.

Turn off the lights. The lights in your home produce heat – yes, even LED bulbs produce a little heat, but CFLs produce quite a bit and incandescent bulbs are basically room heaters. They can heat a room up surprisingly quickly (though it’s incredibly energy inefficient to use them as heaters).

Turning the lights off when you leave a room is always a good idea, but it’s a particularly good idea during the summer as the lights in the room can make that room grow hotter and hotter when you’re not in there. That heat can also spread throughout your home.

Just flip the switch when you leave the room and not only will you directly save on energy, you’ll also keep the room cooler.

Have water fights to cool off. One thing that Sarah and I often do on hot days is to go to our outside water spigot (which is ice cold) and fill up a huge tub with water, then toss a handful of water guns in there. The children (and, quite often, the adults) fill up their guns and run around shooting each other with cold water. It’s fun and it feels great on a hot day.

We’ll also sometimes set up our rotating sprinkler, which serves as both a tool for watering the yard and a tool for letting the kids get cool (and, again, sometimes the adults, too).

Sure, clothes get soaked during this process, but clothing full of ice cold water that you change out of when you get inside isn’t really a bad thing on a hot summer day, especially when the clothes are casual.

Cook outside. Cooking meals indoors over a hot stove or in the oven adds a great deal of heat to your home, which doesn’t help at all on an already hot day. It can turn an already-warm home into a furnace.

A much better approach is to cook food outdoors on a grill of some kind. You can prepare anything on a grill, from the obvious things like steaks and hamburgers and hot dogs to things like pizzas and vegetables and pasta. A grill with a lid can cook anything that can be cooked on a stovetop or in an oven.

We have a propane grill that we use for lots of summer food preparation – everything from fajita vegetables to bread and from mixed vegetables to, yes, black bean burgers.

Cook your summer meals outside so that the excess heat stays out there where it belongs and doesn’t heat up your home.

Prepare only cold foods inside. On the other hand, it makes a lot of sense to prepare cold foods inside the house.

The same heat transfer effect is going to occur wherever you prepare a cold food in the summer – heat is going to pass from the environment into the food, providing a slight cooling effect around it. You might as well do that in the house where the small benefit is actually helpful in keeping the house cool.

It’s a small benefit, sure, but it’s one where you’re using every little bit of heat transfer benefit to keep your home as cool as possible.

Chill your feet. One thing I love to do in the summer when I’m hot is to just stick my feet in very cool water. It has an almost immediate cooling effect over my whole body.

It doesn’t take a whole lot of cold water for this to work, just enough to cover your toes, I’ve found. I can do this with a quart of water and cool off quite rapidly using a bucket and a quart of water from our backyard water spigot. (In fact, I do this sometimes when I’m gardening, as I’ll stick my foot in water to quickly cool off on a hot day).

If you’re inside, run just a little cold water into a bathtub and stand in there for a moment. It’s an impressive cooling effect for such little water.

Go barefoot. I almost never wear shoes or socks during the summer. When I’m inside, I’m barefoot, and I wear sandals outside almost all of the time.

Why do that? The fewer coverings I have on my feet, the cooler I feel. It’s easy for feet to get hot inside of socks and shoes; it’s harder (though not impossible, of course) for bare feet to get hot.

So take off those shoes. Take off those socks. Stay barefoot inside the house (and maybe even in your yard, too). You’ll feel much, much cooler that way.

Draw the curtains or blinds against the sun. Sunlight shining in the window might look beautiful, but it’s bringing in a lot of heat from the outdoors, right into your house. A beam of bright sunlight on a hot summer day will heat up your home surprisingly quickly.

Thus, it makes a ton of sense to draw the curtains or blinds in rooms where direct sunlight is hitting the window. This will drastically reduce the amount of direct sunlight – and the amount of heat – that’s coming into your home through the windows.

You might want to have a curtain open in the room you’re in just for ambient light, but if you’re not in the room, close the curtains or blinds. Draw all of them before you leave for the day. Keep that ambient light – and ambient heat – out of your home if you’re not taking advantage of it.

Lay on the floor. Heat rises. What that means is that, in a given room, the warmest spots are going to be near the ceiling and thus the coolest spots are going to be near the floor.

If you take that to its obvious conclusion, it makes a lot of sense to sit on the floor or spread out on the floor when doing activities.

I love spreading out on the floor in our basement family room to read a book or work on another project on a hot day. It’s the coolest place to be in our whole house.

Hang out in the coolest room in your home. This is typically the lowest floor in your home, and the reason for this is similar to the logic for why you should spread out on the floor in a room. Heat rises. Thus, it makes sense for the hottest rooms to be upstairs and the coolest to be downstairs. (It’s certainly true in our home.)

So, during the day, hang out in the coolest room. Take things with you to provide entertainment or things to do (I recommend a book…). Enjoy the coolness of the area.

As I noted above, the coolest spots in our home are the guest bedroom and the family room, as they’re on the lowest level of the house. During the day on hot days, most of our family will hang out in those two rooms, watching television or playing games or reading books.

Use cross current air flow. If you want to feel cool in a room, no matter how hot it is, try the “cross current fan” trick. I did this all the time as a kid on the hottest of days.

Just take two fans – I had a box fan and a smaller oscillating fans. Set one up right in front of you and the other one directly off to your left and right. Turn them both on high and allow their air flow to cross each other.

What will happen is that the air around you will flow in all kinds of directions. It will whirl and swirl around you, cooling your skin all over your body, not just in the direction of the fan.

I find that putting one in front of me and putting one directly off to the side is the most effective setup – that’s what I used to do in bed at night, in fact. However, you should experiment with different arrangements – perhaps one in front of you and one behind you might work better for you.

Snack on frozen fruits. Ice cold snacks are delicious on a hot day. They’re tasty and they cool you off. Yet many frozen snacks aren’t all that healthy and many of them are expensive.

Frozen fruit solves both of those problems. Frozen fruit pieces are quite healthy and very inexpensive. You can just grab a piece of frozen pineapple or frozen mango out of the freezer at your convenience and pop it right in your mouth for a cool treat that tastes good and is pretty good for you.

We usually buy bags of flash frozen fruit at the store from the freezer section. While fresh fruit is amazing, flash frozen fruit is usually on par with the price and is already cut up and frozen for you, saving quite a bit of time, and it usually comes in a resealable bag which is very convenient.

Go to the library. If all else fails and your house is still quite hot, head out. Go somewhere in the town that’s air conditioned and doesn’t require you to spend money.

Our favorite place along those lines is the local library. It’s always very cool in there and the place is loaded with thousands and thousands of books to read, movies to watch, audiobooks to listen to, and countless other things. It has a lot of big comfortable chairs, too.

On the hottest days, we’ll spend the afternoon at the library. Everyone grabs a book, finds an comfortable and cool spot, and gets lost in some new ideas or a great story.

Summer heat doesn’t have to make you miserable. It also doesn’t have to break the bank. You can keep surprisingly cool through the summer months just by using a few smart tactics along the way, tactics that cost very little and do a great job of helping you feel cool.

The post Seveteen Strategies for Cooling Off on Hot Summer Days without Breaking the Bank appeared first on The Simple Dollar.



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Landlords up rent to meet tax hikes

Tenants are already feeling the impact of tax changes aimed at buy-to-let landlords as rents went up by 3.5% in 2015, a new survey has revealed.

Tenants are already feeling the impact of tax changes aimed at buy-to-let landlords as rents went up by 3.5% in 2015, a new survey has revealed.

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UK house prices up by 8.2% over the year

A new official house price index has shown that property prices in the UK rose by 8.2% in the year to April, and have increased by 0.6% since March 2016.

A new official house price index has shown that property prices in the UK rose by 8.2% in the year to April, and have increased by 0.6% since March 2016.

The new UK House Price Index (UK HPI) replaces indices published by the Land Registry and the Office for National Statistics (ONS) and reflects the transaction price for sales of residential property in the UK.

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Cameron warns Brexit will threaten state pension 'triple lock'

Prime minister David Cameron has warned that the 'triple lock', which guarantees annual increases in the state pension, could be put under review in the event of a Brexit.

Prime minister David Cameron has warned that the 'triple lock', which guarantees annual increases in the state pension, could be put under review in the event of a Brexit.

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Seven in 10 people don't shop around for the best pension product

Seven in 10 people who have accessed their pensions since the new freedoms were introduced did not shop around for different products, according to new research by Citizens Advice.

Seven in 10 people who have accessed their pensions since the new freedoms were introduced did not shop around for different products, according to new research by Citizens Advice.

The report shows that those respondents who bought annuities were also most likely to shop around before they made a decision (57% did so).

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Could you use a little help with your finances?

Financial planners differ from advisers as the latter are there to recommend specific products for their clients - something our readers may not feel they need much help with.

Financial planners differ from advisers as the latter are there to recommend specific products for their clients - something our readers may not feel they need much help with.

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19 Free Ways to Make Your Dad Feel Like King of the World This Father’s Day

I don’t know about your household, but in mine, dad definitely gets the short end of the stick as far as presents are concerned.

Mom’s easy. I pretty much just have to find something I’d like — a pretty new candle or a great poolside read — and she’s set for Mother’s Day.

But Father’s Day shopping has always been a challenge.

It’s partially because my dad’s the kind of guy who, when he wants something, just goes out and buys it himself.

But it’s also because the stuff he does want… is expensive.

Electronics. Guitar gear. Cheesy football memorabilia… some dads have expensive taste.

And even if yours would be thrilled with yet another tie or set of golf balls, it turns out some of the best gifts in life are absolutely free.

19 Father’s Day Ideas That Don’t Cost a Cent

These Father’s Day gifts may be free, but they’re anything but cheap. They’re more meaningful and last longer than any watch, razor or fancy scotch decanter.

And all you need to give them is time, effort and creativity.

Here are 19 ways to wow your dad this Father’s Day — completely free of charge.

1. Shoot Some Hoops

You paid good money for that basketball hoop in the driveway, so don’t just let it rust. Get dribbling!

(Come on, this one’s a total classic dad activity. You’ve seen “Father of the Bride,” right?)

If dad’s not a basketball guy, try kicking around a soccer ball or batting a round or three. Just go out and play!

2. Play a Board Game

Whether your dad likes D&D or chess, bonding over board games is a great way to spend a Sunday afternoon — or six, if your Monopoly games are anything like ours.

3. Make His Favorite Meal

OK, you might have to spend a little bit of money on this one if you don’t have the ingredients already.

But whipping together dad’s favorite dinner is way cheaper (and probably healthier) than heading to a fancy restaurant. And it’s infinitely more thoughtful.

4. De-Mystify Technology

Don’t let your dad become one of those people who thinks Twitter is a search engine.

Unlock the mysteries of the Internet, download some new books onto his Kindle, or just spend some time clearing his cache so his laptop runs faster.

5. Screen His Favorite Movie

This Father’s Day, you’ll find me watching “Ice Castles” with my dad for the 8 billionth time — even though I think it’s pretty cheesy.

(And yes, my dad’s a little weird.)

6. Watch the Game

Even if hockey (or football, or golf) isn’t your thing, it’ll mean the world to dad if you take the time to sit down and watch his favorite sport with him.

Throw in some popcorn — or better yet, hot wings and beer — as a bonus. These snacks work just as well for Father’s Day as they do for the Super Bowl.

7. Fire Up the Barbecue

TL_Studio/Shutterstock.com

TL_Studio/Shutterstock.com

No matter what’s in your fridge, it’s gonna be awesome when you grill it.

Make dad even happier by letting him play grillmaster — just set up everything for him ahead of time. He might complain about how hard he’s working, but you know deep down he loves the chance to play with fire.

8. Mow the Lawn

Want to save some green?

Try cutting it — mowing won’t cost you anything but your time, and it takes a huge load off dad’s shoulders.

9. Do Some Yardwork

Do the hedges need to be trimmed? Is that woodpile getting damp and moldy?

Get ahead of mom’s (third) gentle reminder and do the work so dad won’t have to.

10. Organize His Toolbox

tools

Proceed with caution: If your dad’s a handyman, there might be some method to his current tool organization madness… even if it appears utterly chaotic to the untrained eye.

But if dad’s recently become too busy to keep his once-tidy toolbox in good array, now would be a great time to go in and fix the problem.

Heck, why not shine ‘em up, too? A craftsman’s only as good as his tools, after all.

11. Clean the Garage

Want to really do some organizational heavy lifting?

Extend your efforts from the toolbox to the whole garage. Then, watch dad’s jaw drop as the door slowly lifts.

12. Have a Jam Sesh

guitar resized

Is your dad a rock star, ex- or current?

OK, does he at least have a guitar or something?

If you play, too — or even if you don’t — sit down and jam with him. You can always just sing along, keep beat or nod your head. He’ll love the chance to share his music with you.

13. Get Outside

Camping, fishing, hunting, hiking, paddling, running… there’s lots to do outdoors that’s free and fun.

14. Do Something Else He Loves With Him

Even if it’s not your favorite.

“I took my grandpa for a drive and we wound up exploring an old mine site and looking for cool rocks and fossils,” says TPH editor Heather van der Hoop.

“He’s a huge rock nerd, and he loved it.”

15. Write Down Something Awesome He’s Taught You

What’s one lesson your father taught you that you’ll never forget?

You probably have several. Write them into a beautiful card or letter to create a gift from the heart dad — and you — will always treasure.

16. Have a “Remember When”

Sit down and do some old-fashioned reminiscing — yes, even if all the stories he wants to bring up are the embarrassing ones from when you were nine.

Old family photos are optional… but game-changing.

17. Get Artsy

Got any artistic talent?

Write your dad a poem or song, draw his portrait or consider crafting something. The last one may require a little money for supplies, depending on what you have — but there are some really awesome (and useful!) Father’s Day crafting ideas out there.

Check out this easy luggage handle cover, which will both extend the life of his luggage (penny hoarding!) and make it easier to identify on the baggage carousel. Win-win.

Or if dad’s work doesn’t take him on many travels, make his at-home or in-office workspace more efficient with these desk organizers. Too cute, right?

18. Take the Kids

Husbands are dads, too. Tell your spouse you’ll take care of the kids today, so he can watch the game or play a round of golf in complete peace.

It’ll be all the sweeter when he comes home from a relaxing day to the excited greetings of his children.

19. Owe Him One

If dad’s not free to join you immediately for any of the awesome activities suggested so far, consider writing him up a coupon — or five — good for hangout sessions or yard work sometime in the future.

Other great IOUs: a fresh batch of cookies, a homemade meal, a trip to the beach or park, a weekend-long visit…

Or maybe just two whole hours of being left alone to watch the game.

Happy Father’s Day!

Your Turn: What free Father’s Day gift ideas did we miss? Let us know in the comments!

Jamie Cattanach (@jamiecattanach) is a staff writer at The Penny Hoarder. Her creative writing has been featured in DMQ Review, Sweet: A Literary Confection and elsewhere.

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Eight Money Moves that are Always a Good Idea

Between the so-called money experts, your family members, and your friends, you’ve probably endured your share of outdated financial advice and plain old media hype. One person says penny stocks are H-O-T, while others insist they’re an absolute outrage. Your neighborhood real estate agent says the area is a buyer’s market, while the local news tells the story of a bubble that’s about to burst.

It can be hard to know whose advice to trust. But if you cut through the noise, you’ll find that there are some tried and true methods for managing money that can benefit just about everyone. This timeless advice won’t always be trendy or newsworthy, but it can work wonders for your finances nonetheless.

No-Regrets Financial Moves That Are Always in Style

If you’re tired of trying to sort out the good advice from the bad and don’t know where to start, consider these financial moves that could benefit almost anyone:

Pay off high-interest debt.

Where home loans, most student loans, and even car loans usually come with interest rates you can easily manage, credit cards and personal loans can charge interest rates that are through the roof. Plus, there are no tangible benefits to carrying high-interest credit card debt – no tax benefits or anything of the sort (whereas interest paid on a home mortgage or student loans can be tax deductible).

If you’re carrying high-interest debt of any kind, paying it off is generally a good idea. Anyone in debt can tell you exactly how debt weighs you down, stands in the way of your financial goals, and makes it harder to get ahead.

But, buying back your freedom isn’t that difficult if you make debt repayment a priority. If you’re tired of forking over interest payments every month and opening the mailbox to credit card bills galore, consider remedying this situation once and for all.

Trust us, your “future self” will thank you.

Save for retirement.

The varied ways you can save for retirement and the amount you need to save might leave you overwhelmed, but that doesn’t give you license to opt out. If you want to retire one day – and don’t want to subsist on Social Security payments alone – you’ll need to start saving sooner rather than later.

If your employer offers a 401(k) plan, that’s as good a place as any to start. At the very least, you should contribute as much as your employer will match if they offer such a program. If there was ever such a thing as “free money,” your employer’s 401(k) match is it. When it comes to 401(k) contributions limits, they remained unchanged from 2015 to 2016, meaning employees can still sock away up to $18,000 this year.

Financial advisor Jude Wilson of Wilson Financial Group also suggests taking a closer look at the benefits of using a Roth IRA – a type of IRA that is funded with after-tax dollars now but allows you to withdraw money tax-free in retirement — and can be used in conjunction with almost any other type of retirement account, including your 401(k).

“For most people, making contributions to a Roth IRA just makes a ton of sense,” says Wilson. “It’s the gift that keeps on giving since contributing to a Roth today will help you build tax-free income in retirement.”

For the 2016 tax year, individuals and couples who meet certain income requirements can contribute up to $5,500 to a Roth IRA, while those ages 55 and older can contribute up to $6,500.

Build an emergency fund.

There is almost no reason not to have an emergency fund, but a million and one reasons everyone would benefit from having several months of savings stashed away.

Roofs leak. Cars break down. You might need an emergency root canal or a new stove on short notice, or experience any number of unexpected situations that will demand your hard-earned dollars.

Financial advisor Joe Carbone of Focus Planning Group counsels his clients on the benefits of having at least six months of expenses stashed away in a cash account that is easy to access in an emergency.

“This way, if an unexpected expense comes up, you can you use your own money – not a credit card with potential to pay high interest rates,” says Carbone. Meanwhile, a solid emergency fund can also help out if you’re laid off work or experience a pay cut of any kind. Simply put, an emergency fund is always a good idea.

Buy life insurance.

If anyone depends on you for your income, buying life insurance is a smart financial move. Just imagine your spouse and kids trying to make ends meet without your weekly paycheck, and that should be enough to convince you to buy a cheap term policy at the very least.

If you’re unsure of how much life insurance you need, some experts say you should start with 10 times your annual income in term life insurance. And if you want to get fancy (and more expensive), you can also look into buying a whole life policy – a type of life insurance that will never expire and will provide a death benefit no matter how old you grow.

Financial advisor Benjamin Brandt says he suggests his clients get term life insurance above all else. Why? Because it’s dirt cheap, and you absolutely cannot afford to live without it.

If something were to happen, the death benefit can be used by your loved ones to pay off debt, cover daily living expenses, and fund retirement and college savings accounts, he says. Of course, the best-case scenario is that you’ll never need it — but what if you do?

Shop around for savings on regular bills once per year.

While it’s okay to avoid shopping like the plague if you don’t really need anything, one type of annual shopping spree always makes sense: By shopping around for all of your “big bills” at least once per year, you can typically save a whole lot of money – or at least make sure you’re truly getting the best deal.

Financial advisor Clint Haynes of NextGen Wealth suggests shopping around for your automobile and homeowner’s insurance for the biggest bang for your buck.

“I’ve seen clients save hundreds of dollars a year just from making a phone call to a couple different agents,” says Haynes. Don’t leave money on the table by neglecting to call around for the best rates. In the span of just a few hours, you might be able to save yourself several hundred dollars or more.

Track your spending.

Even if you have plenty of money, it can really pay off to track your spending a few times per year. By breaking out last month’s bank statements and credit card bills, you can gain a holistic view on where your money is actually going.

Even if tracking your spending doesn’t reveal any unsavory trends, it can certainly help you confirm that you’re truly on track. And if you’re using a monthly budget, tracking your spending is the best way to make sure you’re actually sticking to your predefined spending limits in each individual category.

The bottom line: Tracking your spending can only help your finances, because you have absolutely nothing to lose. If you want to know where your money is really going, the best way to find out is to take a look for yourself.

Check your credit report at least once per year.

Your credit score is a crucial component of your overall financial health. With a long credit history and a decent score or better, you can qualify for the best rates when you borrow money to buy a home, finance a car, or start your own business.

The best way to keep your credit in tip-top shape is to monitor it closely. Fortunately, you can get access to a free credit report from all three credit reporting agencies – Experian, Equifax, and TransUnion – once per year by following the prompts at AnnualCreditReport.com.

If you want to keep an eye on your credit all year long, you can also sign up for a free account at Credit Sesame. While you’ll only receive an estimate of your credit score (versus your FICO score), Credit Sesame can notify you of changes to your score or when a new account is opened in your name. A number of credit cards also let cardholders see their FICO credit score for free on their statement each month.

Create a monthly budget for your household.

While some people will benefit from a household budget more than others, taking the time to create one can’t hurt, either. If you’re worried about the logistics or don’t want to download some fancy software, you can forget about all that, too. To create a monthly budget, all you really need is a pen and paper, your last few month’s bank statements, and your monthly bills.

At worst, having a written monthly budget to look at can be a smart way to keep track of your monthly bills. At best, using a budget can help you realize and reach your own financial potential. As with anything else, you may never know how a budget could benefit you until you give it a try. What do you have to lose?

The Bottom Line

While financial advice can run the gamut from strange to downright risky, certain money moves are almost always a good idea. To sort through the good and bad advice to find a strategy that works for you, it’s smart to read as much as you can to educate yourself – and, if your situation is particularly complex, possibly call on a fee-only financial advisor you really trust.

Also remember that some of the best financial advice is the simplest. Most of the time, you don’t have to reinvent the wheel to get ahead; you just have to follow common sense.

What financial advice do you think is applicable to anyone? What would you add to this list?

Related Articles:

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How a Friendly Competition Helps This Guy Save $1,500 a Month

As a recent college grad, one of the biggest reasons I put off saving money is because it’s simply no fun.

Saving money means doing mental math at the grocery store, settling for a less expensive phone and telling friends you can’t hang out with them at the movies tonight.

You might have experienced the same anguish when you’ve had to decide whether or not to think long term, or reward yourself with some short-term fun.

But what if we could make saving money fun? Or take the willpower factor out of saving and turn it into an enjoyable game?

Inspired by NerdFitness creator Steve Kamb and his idea of using gamification to make exercising fun for those who aren’t hardcore bodybuilders, I came up with the idea of turning budgeting into a game to provide some encouragement when saving gets tough.

This strategy helped me triple how much I save each month, and it might help beef up your savings accounts, as well.

Create a Money-Saving Competition With Your Friends

If there’s anything that will keep you motivated, it’s getting together with a group of like-minded friends. They can keep you on track, hold you accountable to your goals and be there for you when you need support.

With friends on board, you don’t feel like the guy or gal who always turns down events or hangouts because you can’t afford to spend anything.

Everyone’s in it together, working toward spending less.

How I Started Our Challenge

When I first introduced my idea to my friends, most weren’t all that excited about it. After much persistence and persuasion, I was able to round up three other recent grads who were willing to commit to participate for at least a whole year.

Though we all had different goals — one of us was saving for a used car to replace his old one, and someone else just wanted to build up some cash to pay his student loans each month — we could empathize with each other’s successes and failures.

My goal was to create an emergency fund of at least $2,000 to help myself through those rainy days.

We met once a month for about 30 minutes, usually at a coffee shop or someone’s apartment. Two of us were still living with our parents, so we couldn’t always meet at a home. Afterward, we would go out to play sports, hike or hang out at the beach.

We talked about our successes and failures, what we did well and what we could improve. We brainstormed ways to save money and planned our goals for the next month.

It was a great opportunity to ask questions without fear of being judged and offer suggestions to help one another out.

The Rules of Our Money-Saving Challenge

Our competition was pretty simple: At the end of each month, we compared who put the most money into their savings account in the last 30 days.

Each month, the winner took everyone else out to a cheap dinner, so win or lose, everyone felt good about participating in the game.

We all made close to the same amount of money per month, but because we all technically earned different incomes, we had to figure out a way to fully level the playing field.

Instead of comparing the monetary value of the savings, we compared the percentage of monthly income saved. This system worked perfectly for us.

To keep it simple, we all opened new accounts at the same bank, just for the game. Everyone had to show their bank statements to prove how much they actually saved.

To account for recurring monthly debt, we deducted our debt payments from our total monthly income when comparing savings.

For example, if one person made $2,500 a month, but had a $500/month student loan payment, we’d consider his monthly income to be $2,000 when calculating his savings percentage.

Though I didn’t have bills to pay, some of my friends were making car payments and paying off loans and credit cards. This way, we could encourage each other to pay off debts instead of padding up our savings accounts for the game.

We all agreed cheating would hurt ourselves and the whole group, so it was never an issue.

In the end, we all stuck it out for the entire year, from January 2015 through December.

During that time, everyone was a winner at least once. One of my friends started out living paycheck to paycheck and was able to pay off nearly $3,000 in credit card debt!

Needless to say, all of us have developed better saving habits we’ll carry with us into the future.

Before my money-saving challenge, I was putting around $500 in my savings account each month. Today, I’m saving triple that amount — plus, I met my goal of building a $2,000 emergency fund within four months of starting the competition.

How to Start Your Own Money-Saving Group

Think about people you enjoy being around and like to hang out with. These are the best people to reach out to because they most likely have a lifestyle similar to yours.

The game works best with people who can relate to your situation and empathize with the challenges you’re going through. It’s much more encouraging to be with people in the same boat than having some members who make way more or less money than everyone else.

If your group doesn’t have time to meet in-person, use the internet to keep connected. With Facebook, Skype and other apps at your disposal, there’s simply no excuse not to have a few minutes of spare time each month. If it’s a priority, you can make it happen.

Your Turn: Have you ever been part of a money-saving competition? We’d love to hear about it.

After realizing that retiring by age 30 wouldn’t make the world a better place, Minh Nguyen went on a quest to discover the mythical intersection between helping others and building wealth. Through his blog, Working Makes Me Sad, he inspires people to find the courage to do what matters to them.

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15 Work-at-Home Jobs You Can Do While Raising Children

By Sarah Landrum Sometimes, working from home can seem like a pipe dream. Especially when you have children to raise. Are there any work from home jobs that you can do while still caring for your little ones? Yes, there are. What’s more, many of them are easier to get into than you might think. […]

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