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الجمعة، 28 أكتوبر 2016

If You Bought Marlboro Lights in the ‘90s, You Could Get Up to $225

If you bought cigarettes in New England in the mid-1990s, you might be due for some cash back.

Marlboro has reached a settlement in a class-action lawsuit that was first brought against its parent company, Philip Morris USA, in 1998. The suit accused the company of “falsely representing that Marlboro Lights were less harmful and delivered lower tar and nicotine than Regular Marlboros, when that was not the case,” the settlement website explains.

At that time, Massachusetts consumer protection law forbade cigarette manufacturers from claiming light cigarettes were less harmful than regular ones.

Who’s Eligible to File a Claim Against Philip Morris?

If you lived in Massachusetts and bought Marlboro lights there between Nov. 25, 1994, and Nov. 25, 1998, you can file a claim. If you lived in Connecticut, Maine, New Hampshire, New York, Rhode Island or Vermont and regularly purchased Marlboro Lights in Massachusetts, you’re eligible, too.

Philip Morris owes customers more than $15 million. Depending on the number of people who file claims, you’ll get a check for between $75 and $225.

You must file your claim online or by mail by Nov. 28, 2016. You must provide the name of the city and state where you lived between 1994 and 1998, along with your date of birth.

Your Turn: Will you file a claim against Philip Morris?

Lisa Rowan is a writer and producer at The Penny Hoarder.

The post If You Bought Marlboro Lights in the ‘90s, You Could Get Up to $225 appeared first on The Penny Hoarder.



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Now Hiring: 7 Work-From-Home Customer Service Jobs for Any Experience Level

Customer service is one industry where you’re always guaranteed to find work-from-home jobs.

And rightfully so. What’s the point of sitting in a freezing cold, factory-like call center (what I picture, at least) when you could be cozied up in your home or co-working space?

Another customer service perk? It’s fairly easy to snag your first, entry-level gig and work your way up.

But for this round-up, we’ve found seven work-from-home customer service jobs suited for a variety of experience levels, schedules and personalities.

7 Work-From-Home Customer Service Jobs For (Almost) Everyone

Some of these jobs are part-time, some require tech skills and others are perfect for the stay-at-home parent.

See if you can find the perfect fit.

1. Customer Success Manager with AgoraPulse

If you know a little somethin’ about social media marketing…

AgoraPulse boasts “simple and affordable social media management.” It lets clients manage social media in one easy place — without being totally overloaded with 1 million tweets, Facebook messages and trolls’ comments.

Customers include Volkswagen, Pepsi, Yahoo, McDonald’s and Nivea, which automatically gives it some credibility in my book.

Right now, the Portland-based venture needs a work-from-home customer support manager to manage the “VIP” customers (see above) and their portfolios.

To snag this job, you need to have some customer experience, boast social media “ecosystem” knowledge, care about customers, possess some zen and have a bachelor’s degree — or the equivalent in experience.

The company currently has people working from eight countries, so international folks can apply, too. (Also see #4.) Want to know more? Visit the job posting.

2. Customer Operators and Moderators with BeaconLive

If you’re a PC person looking for a part-time gig…

BeaconLive is a neat company I’d honestly never heard of. It offers webinars, podcasts, videos and on-demand programs to clients looking for virtual communication help.

So it makes sense that BeaconLive is hiring moderators and operators to help execute these products for online events. As a moderator or operator, you’ll work with customers to answer questions and troubleshoot.

As with most customer-centric jobs, you need to be able to multitask and effectively communicate with clients via phone.

The listing notes you’ll start out working 4-6 hours a week, but those hours will likely pick up. At a minimum, you need to commit to Tuesdays, Wednesdays and Thursdays from 11 a.m. to 3 p.m. EST.

And like I said, you need a PC.  You also must live in one of these 10 states: Colorado, Florida, Massachusetts, Michigan, New Hampshire, Ohio, Pennsylvania, Texas, Utah and Virginia.

Pay is $11.60 an hour for operators and $13 an hour for moderators. Interested? Check out the Indeed listing and apply online.

3. Customer Success Manager with Dapluse

If you’d rather work for a solid salary…

Dapluse has a special productivity app which it describes as, “It’s like Excel and Facebook had a baby who’s beautiful, really helpful, and super addictive.”

And now it’s hiring another customer success manager (or “superhero”) who can talk to anyone, engage via phone calls and email messages and is overall just stoked to help clients.

Your hours will be on Pacific time, Monday and Tuesday noon to 9 p.m., Wednesday and Thursday off, Fridays 3 p.m. to midnight, Saturday and Sunday noon to 9 p.m. However, you can reside in any U.S. time zones, and hours are slightly flexible.

Annual salary will range from $35,000-$50,000. For more information, visit the We Work Remotely listing.

4. Customer Support Specialist with DealDash

If you desperately search TPH’s job pages for an international opportunity…

Well, we found a good one.

Recently, we’ve received inquiries from you worldly folks who don’t live in the U.S. “Will you ever write about jobs for us?” you’ve pleaded.

Well, you’ve been heard, my friends. DealDash, a penny auction site we’ve previously written about, is hiring a work-from-home customer support specialist.

The platform hosts more than 10 million U.S. shoppers, but the Finland-based company’s employees come from six different countries.

Right now, it’s hiring someone to contribute to the company’s 24/7 customer service team. You’ll be taking questions via email, chat and phone five days a week (sometimes on the weekend, and in the evenings).

If you live in Minnesota (random, right?), Canada, Estonia, Finland, Germany, Hungary, Spain, or the UK, think about applying. The company’s known for treating its employees well. For complete details, including the requirements, visit the job listing.

Also: I reached out about the pay. I’ve been in contact with a team member and will update this as soon as possible.

5. Customer Service Manager with Doctor on Demand

If you always wanted to be a doctor but couldn’t pass that darn organic chem class…

Heads up: This one requires a bit of experience, including at least three years of management experience, two years in a tech environment or health care industry and a bachelor’s degree.

Do you pass? Doctor On Demand is a nifty startup connecting patients with real doctors 24/7, 365 days a year. Backers include big names. Think: Google Ventures and Sir Richard Branson.

It’s looking for a customer service manager who will help grow the operation. You’ll communicate with physicians and patients, ensuring they’re all happy.

The gig is full-time, and you’ll be assigned a regular schedule, but will sometimes need to be flexible and understand you’re working for a 24/7 operation (not the medical kind).

Interested in helping others and taking part in this exciting startup? Find the complete job listing online. You can apply there, too.

I reached out about pay, so stay tuned.

6. Morning Customer Support Associate with Museum Hack

If you’re a stay-at-home parent and need a gig for when the kids are in school…

Apparently, The Penny Hoarder loves Museum Hack because we keep writing about the startup. But it really is pretty neat.

Your job as a morning customer support associate will be to monitor and respond to customers via email and phone. You’ll occasionally have to return a customer call, but never cold-call.

The hours should mesh perfectly with your kids’ schedules. You’ll start off working 10 hours a week, Monday to Friday, 8 a.m. to 10 a.m. (EST). Weekend availability is required, too.

This part-time, contract role starts at $12 an hour. The position is completely entry level, so there’s no mention of required experience. You just need solid communication skills, strong attention to detail, a reliable internet connection and the willingness to work hard.

For more info, visit the job listing online. Be sure to apply on the website, as well, since you’ll probably get negative points for calling or emailing about the position.

7. Phone Support Associate with Talent Inc.

If you’re just a complete ray of sunshine and value sweet, sweet perks…

Talent Inc. is in the business of helping people find jobs. It hosts skilled writers who churn out effective resumes and CVs.

It sounds like a tricky industry — like there might be some real frustration from clients — so it needs a phone support associate to handle that. The job listing poses the challenge:

We are looking for an enthusiastic individual who is willing and able to help customers and exercise patience – even when dealing with people who may be angry or frustrated. A good attitude, a sense of humor, and a passion for helping people is a must!

Are you that ray of sunshine Talent Inc. is looking for? Maybe.

You should have some background in customer support. If you meet its criteria, though, Talent Inc. says it’ll take care of you with competitive pay and “options” and a computer set-up — “Whatever helps you work better, it’s yours.”

Polish up that resume (you know they’ll be looking at it closely…), and read more about how to become a part of this startup.

Oh, and I reached out to PR about pay. The rep has been in touch and is expected to get back to me soon.

For more work-from-home jobs, visit our Facebook Jobs page.

Your Turn: Which of these jobs look most appealing to you?

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. After recently completing graduate school, she focuses on saving money — and surviving the move back in with her parents.

The post Now Hiring: 7 Work-From-Home Customer Service Jobs for Any Experience Level appeared first on The Penny Hoarder.



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It Takes a Village: One Woman's Decision to Crowdfund her Maternity Leave

It Takes a Village: One Woman's Decision to Crowdfund her Maternity Leave

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Does VW Owe You as Part of Its $14.7B Settlement? Here’s How to Find Out

Waiting for Volkswagen to buy back or repair your car affected by its emissions-cheating scandal? Some VW owners don’t have to wait much longer.

A judge has formally approved the company’s settlement in the amount of $14.7 billion for its 2-liter Turbocharged Direct Injection (TDI, or diesel) engine — the largest auto-industry settlement in U.S. history, according to the Los Angeles Times.

The Environmental Protection Agency busted Volkswagen in September 2015 for cheating emission tests on its TDI engines. VW rigged the engine’s electronics to improve performance during emissions testing.

Since then, VW has worked with the EPA and the Department of Justice to develop a settlement. Now that it’s been approved, customers can choose between the two settlement options.

Affected Volkswagen owners can choose to have their diesel car bought back by the company at the pre-September 2015 “trade-in” value or, if regulators approve a repair, they can have it modified. (Models from 2015 will be bought back at a percentage of the manufacturer’s suggested retail price.)

If you leased one of the impacted model years, you can opt for the repair or terminate your lease.

About 475,000 owners of Volkswagen Jetta, Touareg, Golf, Beetle and Passat TDI models are eligible, along with Audi A3 TDI owners, with model years ranging from 2009 to 2015.

The settlement over the 3-liter TDI engine hasn’t been negotiated yet.

Volkswagen Diesel Owners, Get Ready for a Big Payout

Whether owners have their cars bought back or choose to have their vehicles updated with an Environmental Protection Agency-approved repair, they’ll also receive a cash payout of between $5,000 and $10,000, depending on car’s value and other factors. Lessees are also eligible for this payout.

If you own a VW or Audi model with the affected 2-liter TDI engine, you can visit the company’s settlement website for eligibility information and to file a claim.

But you may have already heard from Volkswagen. TPH junior writer Carson Kohler drives a 2014 Touareg 3.0 TDI, and she received a letter prompting her to register for a “goodwill package” that included a $500 Visa gift card, $500 Volkswagen gift card, and a three-year 24-hour roadside assistance package. She used the Volkswagen gift card to get her car’s alignment adjusted.

“Now we’re just waiting for more information after this approval,” she said.

She shouldn’t have to wait too long. Now that the 2-liter TDI engine is settled, VW can turn its attention to righting its wronged 3-liter TDI owners.

Your Turn: Is Your Volkswagen TDI eligible for this huge settlement? Will you take the buyback or the repair?

Lisa Rowan is a writer and producer at The Penny Hoarder.

The post Does VW Owe You as Part of Its $14.7B Settlement? Here’s How to Find Out appeared first on The Penny Hoarder.



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Deal of the week: 4.2% interest overnight – but only for Asda shoppers

As savings rates slump to sub-1%, any way to make your money go further is welcome. So today’s deal of the week shows you how to get savings for Christmas shopping boosted by a whopping 4.2% overnight!

As savings rates slump to sub-1%, any way to make your money go further is welcome. So today’s deal of the week shows you how to get savings for Christmas shopping boosted by a whopping 4.2% overnight!

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Here’s Exactly How This Woman Saved Over $18K on Her Student Loans

Ashley Williams is a 28-year-old financial analyst with a degree in accounting — a background that keeps her acutely aware of her own financial situation… and debt.

“I crunch my own debt numbers quite often, and the lack of progress on student loans is disheartening,” Williams says.

She graduated six years ago from Canisius College in Buffalo, New York, with $46,000 in student loan debt. But, “thanks to capitalized interest and a year in forbearance,” she says, last year she still owed $51,500.

When a small raise in her salary threatened to increase her monthly payment by $100, she’d had enough.

“I already felt like I was paying too much per month because I had private loans that ranged from 8.5-9.5% that I felt like I was getting nowhere with,” she explains.

Like many students, Williams took out loans when she was 18 years old. Without a co-signer, she was bound by her underdeveloped credit score. She says it was decent for her age, but it still wasn’t good enough to secure a great interest rate.

In addition to the private loans, she was paying 6% interest on a consolidated federal loan.

With a few years of paying down debts and building credit under her belt, she was sure she could do better.

Taking Action

Williams finally decided to look into refinancing.

She was discouraged at first. Despite a credit score she says is over 800, one refinancing company denied her.

“It made me think that getting a refinanced loan was just a mirage that the banks claimed they were offering … I am happy to say I was proven wrong, and that is thanks to Credible,” Williams explains.

Credible is an independent student loan refinancing marketplace. Unlike a bank, which will give you just one offer — or none — the site shows you a range of personalized offers from a variety of lenders.

Depending on your situation, those offers could mean a lower monthly payment, a reduced interest rate and saving a ton of money over the life of your loan.

Through Credible, Williams was able to qualify for a refinanced loan that’s going to save her about $18,000 in interest.

“Refinancing knocked off at least five years in payments,” she reports.

Plus, “Credible helped me secure a 5.02% interest rate through [lender] Citizens Bank,” Williams adds — “drastically lower” than the 6%-9.5% she was previously paying on her loans!

And her monthly payment also has gone down, so it’s easier for her to make progress paying down her debt.

Williams’ case isn’t too unusual.

The average 2016 graduate with student loans will leave school with more than $37,000 in student loan debt, the Wall Street Journal reports.

As time goes by — and life happens — interest can turn that debt into a virtually unmanageable burden none of us prepared for.

Is Refinancing Student Loans Right for You?

Like Williams, you might be chained to an unwieldy interest rate you secured at a young age. But with time and responsible financial management, you could now qualify for a much better deal.

How do you know whether it’s the right move?

Refinancing will replace some — or all — of your existing debt with a new private loan. That means a new interest rate and repayment plan, so you have to decide whether it will be better than what you’re working with now.

Keep in mind that refinancing government loans with a private lender means giving up some borrower benefits, including access to income-driven repayment plans and the potential for loan forgiveness after 10, 20 or 25 years of payments.

But many borrowers decide that the savings they can realize through refinancing outweigh the value of those benefits.

The biggest questions to consider are:

1. Can you get a better interest rate?

Maybe your credit is stronger than it was when you were 18 years old. Maybe interest rates on student loans have gone down since you started school. Or maybe a new lender is simply able to offer you a better plan.

Whatever the reason, a reduced interest rate can mean saving thousands of dollars over the life of your loan.

2. Will it reduce your monthly payment?

Many of us are paralyzed by outrageous monthly loan payments that compete with rent, groceries and other basic living expenses.

When you can’t afford everything, student loan payments often fall by the wayside, racking up interest as they go unpaid. Reducing what you owe each month can help you get out from under your debt by making steady payments.

Refinancing into a loan with a longer term could reduce your monthly payment, though you may increase your overall repayment total.

3. Will you save money over time?

Your unpaid loan balance racks up interest, so the longer you take to pay it off, the more you’ll pay in the end.

Refinancing could help you repay your loans faster by increasing your monthly payment and potentially reducing your interest rate. Every month shaved off the life of your loan is money saved!

In fact, Credible reports that the average user saves $13,928 over the life of their loans.

And it’s more than just numbers. It’s about what you can do with the money you’ll save over the next 10 or 20 years.

With such steep savings, Williams says she’ll be able to throw more money into retirement and “take a few more vacations” over the years.

Plus, she says she’ll, “enjoy the feeling of not being tied to an anchor [of debt].”

Click here to take Credible’s two-minute quiz and find a new rate to decide whether refinancing is right for you.

Your Turn: Would you consider refinancing your student loans?

Sponsorship Disclosure: A huge thanks to Credible for working with us to bring you this content. It’s rare that we have the opportunity to share something so awesome and get paid for it!

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 Here’s Exactly How This Woman Saved Over $18K on Her Student Loans appeared first on The Penny Hoarder.



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Betterment Investing Review: Make it Automatic with Betterment Investing

I love making things automatic.  Whether is is bill-paying, direct deposit, prescription renewals, or investing, making things automatic makes life easier and that is where our Betterment investing review comes in.

betterment investing review

When it comes to retirement planning, an overwhelming number of online tools and websites promise to help you create a dynamic and profitable portfolio while minimizing fees.

This growing list of services includes robo-advisors, a class of financial websites that offer to manage your portfolio with minimal in-person interaction and a heavy reliance on the latest investing tools and software.

One of the most popular robo-advisors by far is Betterment. Conceptualized by its founders in 2010, Betterment has since grown to help its customers invest billions of dollars of their hard-earned dollars.

It hasn’t been easy. With other competitors like Wealthfront and Personal Capital always a few steps behind them, Betterment has struggled to find a way to stand out.  Even with the competition, Betterment has emerged as one of the top online brokerage accounts and continues to grow its market share.

What is Betterment?

Let’s first start off with, what exactly Betterment is – along with what you can actually expect from the service.

Betterment is an online financial advisor that uses advanced algorithms and software to find the perfect investment strategy for your portfolio and individual needs. The main difference between investing your money with a traditional financial advisor and Betterment is that there is minimal human interaction. Unless you email or call in, your communication with an individual advisor will be very minimal.

But, there is some good news to counteract the lack of individual service. Because of lower operating costs, Betterment is able to charge lower fees than traditional financial advisors. This can be huge for individuals who want to take a hands-off approach to their retirement accounts, yet don’t want to pay top dollar for access to a top tier financial advisor in their area.

Using complex tax software, Betterment allocates your investment portfolio based on your individual circumstances, investment timeline, and thirst for risk. In the meantime, they keep fees at a minimum by using ETFs (exchanged-traded funds) that let you diversify like mutual funds, but are tradeable much like stocks. Since ETFs come with very low expense ratios, Betterment is able to pass those savings along to the consumer.

Although the program already manages over $3 billion dollars for their clients, they are still growing at a rapid pace. Because the service is able and willing to deal with investors at all stages of wealth accumulation, it has become a go-to for both experienced and novice investors with various investing goals.

Further, Betterment’s portfolio strategy isn’t geared just for retirement savings; the service can also improve your returns on dollars you invest for short-term and medium-term goals like saving for college, taking an annual vacation, or building up a cash reserve.

Features

When you invest with Betterment, you’re hiring a robo-advisor who will balance your portfolio, help you invest in a smart and efficient way, and maximize your returns for minimal cost. This kind of scenario is perfect for investors who want to maximize their earnings, yet don’t want to deal with the day-to-day hassle of managing their own accounts.

With that in mind, here are some of the basic features that Betterment currently offers:

  • Automated portfolio rebalancing – Automatically rebalances your portfolio for you based on your specifications.
  • Fractional share investing – Fractional share investing ensures that every penny you have invested is working for you.
  • Goal setting – With a handy online interface to figure out what you need to meet your goals – or create new ones.
  • Portfolio customization – Advanced software will create a portfolio that has been customized just for you.
  • Tax loss harvesting – Automatic tax loss harvesting will help reduce your tax burden and improve your returns over time.
  • Tools and calculators – The online tools can help you learn advanced investing strategies and truly understand how your money is being invested and why.
  • RetireGuide – Input your financial information into Betterment’s RetireGuide to get a glimpse at what you need you achieve your retirement goals, and potential investment strategies that could get you there.

Signing Up with Betterment

Going through the Betterment sign up process is one of the most user friendly I have seen for any brokerage.  If you can type at any sort of reasonable rate, the whole process should take about five minutes.  The questionnaire helps them determine your risk preference and the overall goals you are trying to reach with your investing.

Once you get through the questions, you link your bank account and you are in business.  Moving money into your Betterment account works just like any other bank transfer between accounts.  So if you are used to moving money electronically from checking to your savings account, then you are going to have no problems with the interface.

A Model Portfolio

With most brokerage accounts you could put together a simple model portfolio to give people an example of what to expect.  The problem in trying to do this with Betterment is that how each person answers the questions is going to change how the portfolio will be structured.

What we do know is that to avoid fees and lower costs to you, Betterment uses a mix of Bond and Stock ETFs.  If you are young, looking to retire 40 years from now, and have a high tolerance for risk, you are probably looking at a mix of 90% stock ETFs and 10% bond ETFs.  Someone who is getting closer to retirement and needs to protect their nest egg will see a much higher mix of bonds in their Betterment portfolio.

No matter how the mix comes out, you know that the algorithm is going to focus your investing based off of the choices you made in the questionnaire.  You can always go back and make adjustments to your answers and risk tolerance as your circumstances change.

Types of Accounts Betterment Supports

When you invest with Betterment, your individual portfolio will be individualized for your needs. When you open an account, the service asks you a series of questions to determine your investment timeline, your appetite for risk, and what you hope to achieve throughout the process.

The information they collect during this interview helps them create a perfect blend of ETFs that can help you reach your goals. If you’re fairly young, that will likely mean your portfolio will hold a stronger allocation of stocks than bonds. As you age, however, your portfolio will automatically rebalance to reflect your changing needs and desired level of risk.

The main benefit that Betterment offers is that they take care of all of these details for you. Once you set your account up and enter all of the information they ask for, Betterment will take it from there.

What is the Cost?

Because Betterment leverages the use of technology instead of relying heavily in individual financial advisors, it is able to cut down on the costs associated with managing these accounts. However, there is a tiered approach to pricing. Simply put, the more money you have to invest, the less you’ll pay each year.

If you have less than $10,000 to invest, Betterment charges 0.35% annually. However, that percentage drops steadily from there. Having between $10,000 and $100,000 to invest, for example, results in an annual fee of 0.25%, whereas investing more than $100,000 allows you to pay just 0.15%.

Betterment Fees:

  • $0 – $10,000: 0.35%
  • $10,000 – $100,000: 0.25%
  • $100,000+: 0.15%

While Betterment’s investment services are far from free, they are extremely affordable when you compare what it would cost to hire a top tier personal financial advisor. Further, the fact that they have no trade fees, no transaction fees, and no rebalancing fees lets you rest assured that you won’t be gouged by “extras” while your money is stashed away in your  account.

You will, however, have to pay fees associated with the ETFs your portfolio picks up. This is an unfortunate fact, but the truth is, these fees are charged on all ETFs and Betterment does not receive a percentage. Generally speaking, the fees you’ll pay for the ETFs in your portfolio will cost around 0.10%.

But remember, these fees are in addition to the underlying percentage you’re paying Betterment to manage your portfolio. That doesn’t change the value of this service, and it certainly doesn’t cut down on the affordability factor, but I wanted to mention that for full disclosure.

It’s also important to note that, for accounts that hold less than $10,000, you’ll need to set up a monthly deposit of at least $100 to avoid paying a $3/month account fee.

Who Should Use Betterment?

While nearly anyone who invests could benefit from the online portfolio management and advising, this service is definitely geared to certain types of investors. In most cases, Betterment will work best for:

  • Hands-off investors who have some investing knowledge – Since it takes care of the heavy lifting for you, it works best for investors who want to take a hands-off approach to their investment portfolio. Passive investors can let Betterment handle the logistics while using online account management to keep a close eye on their accounts.
  • Investors with more than $100,000 in their portfolio – Betterment charges some of the lowest fees in the business to investors with more than $100,000 in their accounts. Because of this, high net worth investors should seriously consider investing to take advantage of this fee structure.
  • Novice investors who need help – Beginning investors who are just learning the ropes can turn to Betterment for online portfolio management with low fees. The many online tools and user-friendly interface make it easy to beginners to get a grasp on basic financial concepts and investing strategies.

Who Shouldn’t Use?

While Betterment is perfect for certain types of investors, robo-advisors in general may turn out to be a raw deal for other types. In most cases, it will not work well for:

  • Investors who want to speak to a financial advisor regularly – Since all business is conducted online, you won’t have continuous access to a financial advisor. If you want to speak with someone frequently, you might be better off paying more for a top financial advisor in your area.
  • Investors who cannot afford $100 per month – The only real downside that I see when doing my Betterment review is that if you don’t have a lump sum of  $10,000 or $100 a month to invest you get hit with the high fees.  This isn’t a big obstacle for most, but it would be nice to have some exceptions.
  • Investors who love to trade stocks frequently – If you’re not a buy-and-hold investor, Betterment will be more of a drag than a benefit. The company’s focus on ETFs hamper the process of individual trading. If short-term stock trades are your game, you’ll be much better off with a service like Scottrade.

If you determine that you would be better served by a more hands on approach check out the other top brokerage account options before you make your final investing decision. Being a certified financial planner I have had a great chance to work with several of these platforms and have done the following reviews:

I want everyone to feel comfortable with any investment before they dive in, whether it be a short term investment or long term.

Final Thoughts

While robo-advisors are much more popular than they were just a few years ago, they could easily replace in-person advisors in the near future. With lower fees and advanced software that can maximize results, online investing certainly is gaining an edge.

Whether Betterment is right for you depends on your individual needs and investing goals. If you’re a hands-off investor who wants to grow your retirement funds without paying a lot of fees, then Betterment might be ideal. Conversely, beginning investors can benefit handsomely from the online tools and investing education offered through the Betterment website.

If you think Betterment investing might be exactly that your portfolio needs, sign up for a new account today.



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The Anatomy of Virality: How to Engineer the Perfect Viral Blog Article

You hear the term viral all the time.

I’m regularly reading Internet content that has “gone viral” or watching the latest viral video post. I research virality, and I read articles about content virality.

Virality is a big deal. If you think about it, viral content is what shapes our culture.

The idea of viral content has become rooted in Internet culture. It’s obviously something that most bloggers and marketers strive to achieve with their content.

Viral content can come in many forms and mean different things to different people.

For example, by some standards, I’ve written several “viral” articles—articles that were viewed by millions and shared by thousands. But when I compare my little blog article to other viral pieces of content, I see that its reach is tiny.

image08

The underlying quality of a viral piece of content is that it circulates rapidly across the Internet and reaches a widespread audience in a short period of time.

It can go from obscurity to mass exposure overnight.

Whether it’s a meme, video, blog post, or commercial, viral content has a way of capturing the attention of people from all walks of life.

There’s something exceptional about it even if you can’t necessarily put your finger on it.

Although there’s no magical recipe that instantly makes a blog article epic and uber-sharable, there is certainly a formula you can follow to achieve virality. After all, virality is a scientific phenomenon, even if achieving insane levels, like 2.5 billion views, isn’t predictable.

You can engineer virality to a certain degree. You start by understanding a few factors and elements that unite viral content.

Here’s a sequence you can follow to engineer the perfect viral blog article.

Content type

First things first. Which types of content receive the most shares?

I think you’ll agree that it’s easier to watch a four-minute music video, for example, than to read a 2,000-word article.

I’m interested in written content for the purposes of our discussion, so I’ll stick to long-form articles.

OkDork and Buzzsumo analyzed over 100 million articles to uncover underlying patterns that contribute to virality.

Here’s what they found in terms of what content was shared the most:

image07

When it comes to blog content, you’ll notice that list articles performed the best overall by a fairly large margin.

This is followed by “why posts,” “what posts,” and “how-to articles.”

So, in theory, you’d have the best odds of your article going viral if you created a list—more specifically, a 10-item list because it increases your odds even more.

According to OkDork, “10 item lists on average received the most social shares—on average 10,621 social shares. In fact, they had four times as many social shares on average than the 2nd most popular list number: 23.” The next best performing articles were lists of 16 and 24 items.

The exact number isn’t as important as the fact that it’s a list. BuzzFeed, the king of listicles, regularly produces viral listicles. When I checked on Buzzsumo the most popular articles in the past year, two of the top five were listicles.

image05

The number seems a bit arbitrary. But the fact that it’s a list? That’s the appeal.

Keep this in mind when deciding on the number of items to include on a list.

Content length

The word count of an article is another huge factor in determining the potential for virality.

There’s a common misconception about long content.

It goes like this:

  • If the content is long…
  • …then nobody will read it.

Guess what? That’s totally false.

Obviously read is a slippery term, so I won’t get into the mechanics of what reading means to people.

Here’s what I do know: longer content gets more shares, backlinks, views, and all the good things that great content deserves.

Here’s what the study mentioned above revealed:

image04

By analyzing this graph, it’s clear that the higher the word count, the better the likelihood of a blog article going viral: 3,000-10,000 words generated the highest overall number of shares.

And this totally makes sense if you think about it.

I’ve definitely noticed a pattern where long, well-researched, in-depth content kills it, while your average, run-of-the-mill 500-word articles achieve only marginal results.

Although people may not read a long article in its entirety, they’re still likely to scan it. To me, that’s important. I try to create articles so people can get value from them even if they don’t read every word.

Aiming for at least 2,000 words per post is ideal if you want your content to get shared across a wide audience.

Evoking the right emotions

Next, there’s the issue of getting readers to feel certain emotions.

The same study from OkDork and Buzzsumo revealed which content received the most number of shares based on the emotions it evoked:

image09

According to these findings, the top four emotions to target are:

  1. Awe
  2. Laughter
  3. Amusement
  4. Joy

What’s the underlying pattern of these emotions?

They’re primarily positive emotions.

Although awe could be positive or negative, laughter, amusement, and joy are all emotions that make people smile and bring about good feelings.

You’ll also notice that negative emotions, like anger and sadness, don’t perform as well. What’s the takeaway? Positive content has a far better chance of going viral than negative content.

Capitalizing on trends

Striking while the iron is hot is also important.

If you can create blog content based on something that’s wildly popular at the moment, the potential for virality increases exponentially.

Although this approach is likely to have a fairly short shelf life and probably won’t be evergreen, you can still generate some massive exposure for a little while.

And if your content is epic, there’s a good chance that many readers will return to your site to see what else you’ve been up to.

Buzzsumo offers a great example.

They mention an article on Fox News Travel from 2015 that talks about a zombie-themed “Walking Dead” cruise.

image00

This article managed to generate a whopping 1.5 million shares and over 400,000 comments. Not bad for a piece about undead brain eaters.

The lesson here is that writing content based on current trends can definitely work in your favor.

Visuals

People love visuals. They make even the most mundane content come to life and bring the points of a blog article into a cohesive whole.

So as you might imagine, images play a considerable role in virality.

To put it simply, including images in your content increases your odds of getting shares.

Skipping images reduces those odds.

Here’s a graph that shows the impact images can have:

image02

As you can see, articles with at least one image greatly outperform articles without any images.

In fact, having just one image will theoretically double your number of shares.

However, I wouldn’t stop at just one. The more visual appeal, the better.

That’s why I always make sure I include at least a handful of images in every blog article I write.

Author byline

There’s also the issue of a byline, which briefly tells the reader who the author of an article is.

In this case, that’s you.

OkDork and Buzzsumo found that this is also a factor in virality:

image06

Overall, content with a byline/bio receives more shares than content without one.

While there’s virtually no difference in terms of shares on Facebook, it definitely makes a difference on Twitter, LinkedIn, and Google+.

But why?

It’s simple. Having a byline lets readers know who the author is, which adds to the article’s credibility.

More trustworthiness = more shares.

Do yourself a favor and make sure to include your byline with each article, ideally with a professional-looking headshot.

Posting at the right time

One factor that’s commonly overlooked is the day of the week a blog article is posted.

Research has found that the odds of content going viral are increased considerably when the article is posted during the weekdays. More specifically, Mondays, Tuesdays, and Thursdays are your best bets.

image03

There’s a very clear drop off on the weekends, which makes sense, considering many people are out and about and less likely to be glued to the Internet.

For the best possible chances of your article going viral, it would be smart to post on a Tuesday.

The power of influencers

One last thing. If you can get influencers to share your content with their audiences, the potential for virality goes through the roof.

Here’s what I mean:

image01

Even if you can get just one influencer to share your content, the results can be significant.

But if you can somehow get five influencers to do this, it can have a monumental, earth-shattering impact.

Of course, this is easier said than done.

But one strategy for getting an influencer on board is to first see which types of content they’ve shared in the past.

You can then base your article around a similar topic and reach out to the influencer once it’s completed.

Putting it all together

Here’s the deal.

You can never tell for sure whether or not any given piece of content will go viral.

There is a nearly infinite number of factors involved, and you can never fully predict how people will react.

However, you can follow a formula to give yourself the best possible chance.

Let’s recap.

  • Create a “list article,” ideally with 10 items. Otherwise, lists with 23, 16, and 24 items work best.
  • Make sure it’s a fairly long article with at least 2,000 words. However, the more words, the better. Pieces with 3,000-10,000 words receive the most shares on average.
  • Try to stick with positive themes that evoke awe, laughter, amusement, and joy. Don’t kill the vibe of your audience with overly negative themes.
  • Base your article around a popular trend that’s sweeping the world at the moment.
  • Include visuals. One image is a must, but don’t be afraid to go a little crazy with your images. Your audience should respond favorably.
  • Insert your byline/bio at the end of the article to boost your credibility.
  • Post during the weekdays. Tuesday is ideal.
  • Reach out to relevant influencers, and try to get them to share your article with their followers. If you can manage to get five influencers to share, your exposure will quadruple.

Conclusion

Just think of all the benefits a viral blog article can have.

You can create instant exposure for your brand, grow your social media following, generate a massive volume of leads, and increase your brand equity.

Along with this, it’s reasonable to expect that your sales numbers will increase significantly as well.

By understanding the key elements contributing to content going viral, you can devise a more effective strategy.

And once you “crack the virality code,” you can simply rinse and repeat.

What do you think the most important element of a blog article is in order for it to go viral?



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How Popular Television Shows Subtly Encourage Bad Spending Habits

Like it or not, we’re all influenced by the things we see and do and hear. Sometimes, we’re conscious of and aware of those influences, like when we’re talking to a friend and really listening to their advice. Often, we’re not conscious of or aware of those influences at all, like when we’re barely paying attention to the radio and it blares out a few advertisements.

Likewise, some of the things we see and do and hear are obvious attempts at convincing us to buy stuff. Blatant magazine ads, television commercials, internet ads, and radio commercials are clear attempts to get us to be aware of a particular product or a particular retailer. That’s the point of advertisements, after all. They’re designed to make us aware of – and to make us desire – certain products.

However, marketing doesn’t stop there. It often seeps directly into the programming itself, hoping to be an “influence” that we don’t notice as much.

It’s easiest to see this tactic at work on television, which combines both audio and video and offers a nearly infinite variety of programming. Television marketing is incredibly sophisticated; it’s loaded with things that sit right on the edge of our awareness and subtly increase our interest and desire for a wide variety of products.

Here are five tactics that you might see on your favorite television programs. Keep an eye out for them – you’ll be surprised how often they show up. And, as they used to say on one of my favorite cartoons as a child, knowing is half the battle.

Product Placement

In the above clip, you’ll see a ton of examples from popular television programs where products are blatantly placed into the programming itself. The camera will focus in on a particular product for several seconds and, sometimes, the characters will specifically mention the product. On occasion, it’s played off as a joke (like the clip at the very end of the video), but at other times it’s taken completely in stride.

This, honestly, is little more than a commercial embedded in your show. The characters use almost all of the same strategies that normal commercials use to convince you that the product is desirable – it’s sexy, it’s sophisticated, it’s funny, it’s “macho,” it encourages uninhibited behavior. The only difference is that the characters themselves become the product sellers.

Do things like this directly encourage sales? Maybe, maybe not, but their main purpose is to increase brand awareness. If placements like these increase your familiarity with a cell phone model or a particular brand of car, you’re more likely to choose that cell phone or car when you have a purchasing decision because that brand is familiar to you, thanks to that product placement.

Inexplicable Name Brand Usage

This is something of a variation on the normal type of product placement. I happened to notice it while watching the Netflix series Luke Cage, which depicts a former convict who is living a very down-on-his-luck lifestyle. During one scene that really stood out at me, he was shown cleaning up his very run-down apartment during a period where he had almost no income. Inexplicably, he was using a bunch of name brand cleaning supplies to do it. (I’d love to find a video clip of this that I could share, but after much searching, I came up empty handed.)

Now, stop and think about this for a second. This guy barely has enough money to feed himself and keep a roof over his head and he’s going to the store and spending a bunch of extra money to buy name brand supplies instead of the very similar store brand cleaning supplies? If this were a real situation, this guy would be using store brands and dollar store cleaning supplies, not name brand stuff.

There’s nothing inherently out of place about using a name brand cleaning agent, but showing people in financially challenging situations using them as though that’s a normal choice sends a really bad signal. There’s almost no reason for anyone to use name brand cleaning supplies over the store brand versions, especially if they’re in a financially challenging situation like Luke Cage was in that scene. It creates a sense that this is a normal expense even when times are tight. It isn’t.

Unrealistic Lifestyle Based on Career Choice

The above clip comes from the television show Friends, which shows off the giant New York City apartments that the characters live in. As you can see, the apartments are spacious with open floor plans and gorgeous furnishings.

Here’s the problem. According to best estimates, the rent on the somewhat larger apartment would come in around $5,000 a month. $5,000. At best, you would see three characters actively living in that apartment together; often, it was two characters together. This apartment was theoretically in Greenwich Village.

Now, within the show, they mentioned a time or two that this was a “rent controlled” apartment and it was rented out for $200 a month, which makes it realistic within that reality. Remember, the characters had jobs such as being a librarian, a barista, a mostly-out-of-work actor, and so on.

The problem is that it gives people the impression that two or three of them could go to New York and rent a big apartment together in the middle of the city for a reasonable price. I’ve known many people who have just believed that they could easily pick up and move to New York or San Francisco and afford a nice apartment there with a similar job to what they have now. While reality is likely to quickly change that, this type of unrealistic lifestyle choice that’s commonly depicted on television constantly convinces people to rent or buy homes and apartments they can’t afford, cars they can’t afford, and so on.

1% Lifestyles

On the flip side of that comes programs like Real Housewives of Orange County that blatantly depict the lives of ostentatiously wealthy people.

This type of show takes a different approach than the ones above. Rather than showing a realistic lifestyle that people can relate to, it instead shows an over-the-top lifestyle that few can afford. It’s intended to look amazing and glamorous and chock full of things that are simply outside of the spending limits of most of the viewing audience.

So, what does that have to do with convincing people to buy?

Many such shows are vehicles for getting people familiar with high-end brands. These shows tend to be laden with product placement, but here many of the products are high-end products. They’re smaller items that people could buy if they stretched their budget and, in doing so, can link their lives to the type of “millionaire” lifestyle shown on the show. Doing so, of course, is financially disastrous for most people, but that doesn’t prevent it from happening.

It’s also a vehicle for some of the stars to create a “personal brand,” from which they can sell products and do various kinds of endorsements and product placements. This strategy is spelled out really clearly in this profile of Kim Kardashian, where she discusses her “life as a brand” and lists some of the multitude of products that she endorses and promotes using her reality show fame and extensive social media following built from that television show. She may be the most successful at doing this, but she’s far from the only person doing it.

“News” Programming

The final category that I want to mention is “news” programming, by which I mean segments in the middle of news programs that are seemingly only meant to tell you about and sell you on a product of some kind. Apple products are a common beneficiary of this type of “news.” For example:

This is basically a 90 second advertisement for the iPhone 7 that’s aired as “news” content on CNN. It’s not “news.” It’s an advertisement.

This happens constantly, with a wide variety of products. They do the same thing with many Samsung products and many car brands, too.

Just because it says that it’s news programming doesn’t mean that it’s not an ad for a product, whether or not the company involved paid for that ad or not.

What Can You Do?

So, what can you do? If so much of television programming is geared toward selling you products and raising your recognition of different store brands, how can you avoid those things?

The first thing you can do is simply cut down on your television viewing. Do other things. Go on a walk. Read a book. Make an interesting meal for supper. If you’re tired, go to bed instead of watching television in a daze. Just turn it off.

The next thing you can do is be selective in what you watch. If you happen to notice these tactics in the programs you’re watching, consider watching other things. I’ve found that lower budget independent movies and documentaries are largely devoid of these tactics.

Finally, just be aware of these things and constantly question them. If you’re watching a news story, ask yourself if this is actually news or just an ad for the product. If you see the camera focusing in on a product when you’re watching a drama, be conscious of what they’re doing there.

In the end, the best thing you can do is be more aware of how you think and what’s influencing your thinking, and watching television with a critical eye is very worthwhile in that regard. The same holds true for magazines, newspapers, websites, and pretty much every other form of media.

Good luck!

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Is Borrowing Against Life Insurance a Good Idea?

In addition to providing money for your beneficiaries when you die, permanent life insurance policies build cash value that you can borrow against while you’re alive.

Borrowing against cash value policies offers advantages over traditional loans, says Matthew Carbray, a certified financial planner based in Avon, Conn.

“Borrowing from a life insurance policy can be a favorable way to get access to quick capital,” he explains. “Depending on the policy structure and underlying insurance vehicle, most policies will allow for a policy loan upwards of 90% of the current cash value.”

You can borrow against your life insurance policy for any reason, says Erick G. Colon, a financial advisor with Concord Wealth Management in Massachusetts.

“The loan can be used for any purpose, whether it’s for education, purchasing a home or car, or as a source of funds in the event of loss of income,” he says.

How Life Insurance Policies Build Cash Value

While term life insurance policies remain in effect for fixed periods, permanent or cash value insurance covers you for your entire life.

These policies typically cost more than term life, but a portion of the premiums is invested. Money earned from the investment creates a cash value that can be borrowed against.

When you borrow against a cash value policy, “you’re basically borrowing your own money,” says Emory J. Smith, founder of EJS Financial Management in Phoenix.

Benefits of Borrowing Against Life Insurance

There are a variety of reasons to consider borrowing against your cash value life insurance policy. They include:

Greater flexibility. These loans give borrowers many options. Your policy’s cash value becomes the collateral for the loan, so you can decide how to use the money. Investopedia notes that insurance companies typically require no explanation.

Reduced interest rates. The interest rates on cash value loans often are lower than the rates you’ll receive from credit cards and personal loans. Personal loans typically have high interest rates. The average rate for a 24-month personal loan was 9.65% in August 2016, according to the Federal Reserve.

No credit check required. One of the advantages of a cash-value loan is you don’t have to have your credit checked, says Aron S. Brodt, a financial services professional based in Brooklyn, N.Y. If you have cash value in your life insurance policy, you can borrow against it, even if you have bad credit otherwise. You can’t be turned down because of a lack of creditworthiness.

Repay it whenever you like. You can set your own timetable for repaying the loan. However, if your policy lapses before the loan is retired, you may owe tax on some or all of the portion that hasn’t been repaid, says Smith.

Drawbacks of Borrowing Against Life Insurance

While borrowing against your cash value life insurance has benefits, there also are potential drawbacks:

You’ll decrease your assets. It’s important to make sure the loan is truly necessary. Once you take out a loan against your life insurance policy there will be fewer assets to borrow against in the future.

Your policy may be at risk. Remember that the interest on this type of loan typically is subtracted from your permanent life policy’s cash value. Once the loan and interest exceed the value of the policy, it can lapse. If that happens, “there is the possibility of a taxable event,” says Carbray.

Your death benefit may decline. If your dependents are counting on your life policy for support, be aware that an outstanding loan at the time of your death typically will reduce the benefit, says Smith.

Cash value builds slowly. Before you can borrow against a permanent life insurance policy, it must build value. In the early years of your policy, there may be little value for you to borrow against.

Will You Benefit from Borrowing Against Life Insurance?

This type of loan may be a good alternative for people who face unexpected debts and don’t want to take out more costly personal loans or increase their credit card balances.

Before you take out the loan, though, consider consulting a financial advisor who can help you decide if this is your best option for raising the money you need.

Don’t forget that the original purpose of your life insurance was to provide a death benefit. If you die before you repay the loan, your insurance company will repay the debt by reducing the payout to your beneficiaries.

“In general, a policy owner should only borrow against their policy if they intend to repay the loan or they are certain the policy will not lapse prior to their death,” Smith says.

Related Articles:

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Is Fancy Dog Food Worth the Cost? The Answer Might Surprise You

HMRC rakes in £670 million in extra 3% stamp duty revenue

Figures for the number of transactions on residential properties that were valued at £40,000 or above were 13% higher in the period from June to September 2016 than in the previous quarter, according to official data.

Figures for the number of transactions on residential properties that were valued at £40,000 or above were 13% higher in the period from June to September 2016 than in the previous quarter, according to official data.

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Working From Home is Distracting. Here’s How to Find a Co-Working Space

Have you seen all of those work-from-home jobs we post?

You know how most of them have office requirements, even though you’re supposed to be at home? Like a quiet environment, a locking door — aka silence with zero distractions.

Well, if you have kids or a dog(s) or, like me, a 25-year-old bird who LOVES to squawk during video calls, then you might need to work somewhere else.

That’s where co-working spaces come in.

What’s a Co-Working Space?

Co-working spaces are essentially communal business offices for solopreneurs and freelancers — even small business teams not ready to sign long-term leases.

These spaces come in different shapes and sizes and can be rented by the hour, day or month. They all have Wi-Fi — and usually coffee.

Some companies hiring work-from-home employees offer stipends for remote office spaces. For example, Student Loan Hero pays its remote workers up to $500 a month for a co-working space. Be sure to ask a potential employer about the option.

Our freelance-turned-full-time writer Lisa Rowan actually resides in the District of Columbia. She uses a co-working space because she’s easily distracted by the comforts of home. Think: her bed, her roommate’s cats, a pile of laundry, etc.

But why doesn’t she just visit the free library or camp out at a coffee shop?

Rowan says her co-working space is quieter than the library and more food-friendly, important for a long day of conquering to-do lists.

Plus, coffee shops can be uncomfortable — and loud. You spend $5 on a coffee or scone, and you feel as though you’re overstaying your welcome after about two hours.

Thus, a great solution for you work-from-homers is to find a co-working space.

Why Would I Pay for a Co-Working Space?

You can find these spaces across the country — all with varied price tags.

Rowan pays $89 a month for unlimited access (a fee she’s grandfathered into because she’s been around a while). Otherwise, it’s $129, which is still a great deal because #DCprices, she says.

However, Rowan says finding the perfect co-working space depends less on budget and more on work style. For her, the ideal space is simply quiet.

“(The space) has more of a library atmosphere instead of that of a bustling break room,” she says. “This format works fine for me because, as a writer, I don’t spend a ton of time meeting clients.”

Some co-working spaces are open for anyone — from the freelancer to the small, sprouting startup. Others cater to niche professionals, such as designers or engineers. This can be helpful in networking and even gaining insight into your field.

How to Find the Perfect Co-Working Space

Compare finding a co-working space to finding an apartment or rental home.

Rowan recommends you always visit a space before signing a “lease.” The photos online likely show the highlights — like the apartment’s luxury office — and not the gritty truth.

You should also get a feel for the vibe and your “co-workers.”

“Many co-working spaces will let you stay for a few hours as a free trial visit,” Rowan says. She highly recommends this. While there, you can also ask about any specials or deals.

There are plenty of apps and websites you can use in your search, including WeWork and LiquidSpace. But Rowan recommends first reaching out to your community — a local Facebook group or an industry-specific meetup group.

Or you can opt for the classic Google search of “co-working spaces + *your town*” — because Google never lets you down, right?

Good luck finding your forever co-working space! Let us know if you find one that works for you!

Your Turn: How do you avoid the distractions of working from home?

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. After recently completing graduate school, she focuses on saving money — and surviving the move back in with her parents.

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Three in 10 Moneywise users can’t afford to save for retirement

Three in 10 (30%) Moneywise.co.uk users don’t think they’re saving enough for retirement, and can’t afford to put more money into a pension.

Three in 10 (30%) Moneywise.co.uk users don’t think they’re saving enough for retirement, and can’t afford to put more money into a pension.

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Self-employed? Paper tax returns must be in by 31 October

The deadline looms for anyone needing to submit a paper self assessment tax return, as all documents need to be in by Monday 31 October.

The deadline looms for anyone needing to submit a paper self assessment tax return, as all documents need to be in by Monday 31 October.

89% of people who submit self-assessment returns now do so online, according to HM Revenue and Customs (HMRC), but last year more than one million people filed physical returns.

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Here’s a Scary-Easy Way to Score a Free Krispy Kreme Donut on Halloween

Is your biggest Halloween fear that you somehow won’t find quite enough sugar this year?

Calm yourself: We’ve found a sweet solution.

Krispy Kreme’s offering a free donut to folks in the holiday spirit this Halloween. And all you’ve got to do to get it is show up in costume and say “please.”

How to Get a Free Krispy Kreme Donut This Halloween

Just hit up your local Krispy Kreme on Monday, Oct. 31 (in costume, of course) to score your free donut. No purchase is necessary for this trick-free treat — and yes, the limited-edition Halloween zombie donuts are included!

The deal is only good on Oct. 31 — so even though you may be planning most of your Halloween adventures for the preceding weekend, you’ll have to suit back up on the actual day if you want your freebie.

The offer excludes grocery and convenience store locations, as well as shops in Connecticut, Iowa, Nebraska and Gainesville, Florida. (Sorry, Gators!)

If you nab one of the limited-edition donuts, snap a photo to share with the hashtag #scungry, which is apparently a portmanteau of scary-hungry. (Which sounds a lot like “hangry.” Which I’m kind of getting while writing this post.)

Tweet your pastry portrait with the tag, and you and your donuts might end up featured on Krispy Kreme’s site.

I’m not sure how the selection algorithm works, but just in case, you’d better make sure your costume’s on point!

Your Turn: Will you knock on Krispy Kreme’s door for a free treat this Halloween?

Jamie Cattanach is a staff writer at The Penny Hoarder. Her writing has also been featured at The Write Life, Word Riot, Nashville Review and elsewhere. Find @JamieCattanach on Twitter to wave hello.

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