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الأربعاء، 8 فبراير 2017

Feb. 9 is National Bagel Day. Here Are 6 Places to Get Your Fix

Who loves bagels? We do.

We’re always looking for a hot bagel deal — something about loading two slices of pure carbs with cream cheese (because ew, the word “schmear” freaks us out) makes us go wild.

Even better? There’s an entire day dedicated to bagels: Feb. 9. In celebration of National Bagel Day, we’ve rounded up the best bagel deals so you can indulge in the breakfast staple with us.

Here’s where to grab yours:

1. Einstein Bros. Bagels

The famous bagel chain is offering a free bagel with your choice of schmear Feb. 9. All you have to do is head to its website and print off the coupon, or send it to your email and display it on your smartphone.

The coupon is limited to one bagel per customer and isn’t redeemable at airport, hospital, hotel, military base or campus locations.  

2. Noah’s New York Bagels

Those in San Francisco and Los Angeles may be familiar with Noah’s New York Bagels, which describes itself as a neighborhood-based, deli-inspired restaurant that serves everything from bagels and sandwiches to sweets and snacks.

The chain of 50-plus restaurants is offering a free bagel and cream cheese with any purchase Feb. 9. There’s an additional charge for gourmet bagels, but hey, there’s nothing wrong with a plain one every now and then.

Head to the restaurant’s Facebook page, and enter your email to have the coupon delivered straight to your inbox!

3. Rappy’s Boca

Rappy’s, a popular deli-inspired restaurant in South Florida, is getting in the National Bagel Day spirit by offering a bagel BOGO special all weekend.

From Feb. 9-12, customers can purchase any one bagel with cream cheese and get one free. This deal is only available from 8-11:30 a.m.

4. Rosenfeld’s Bagels

For over 40 years, Rosenfeld’s Bagels has been the go-to shop for breakfast lovers in Boston.

The bakery is offering three free bagels with any online order — no minimum required — when you use the online promo code CELEBRATE. Or stop in, mention this tweet, and grab the same deal. Limit one per customer.

The code is good through Feb. 11, so if you’re in the Boston area, jump on this delicious deal.

Rosenfeld’s even makes its own spreads in-house. Yum!

5. Between Rounds Bakery Sandwich Cafe

Those in Connecticut are in for a great bagel deal this week: Between Rounds Bagels is offering a dozen bagels for only $5.

To redeem the deal, be sure to mention this tweet at any of its five locations around Connecticut on Feb. 9. Premium bagels are extra, and this deal is limited to one per customer!

6. Brooklyn Water Bagel Co.

The chain is offering 89-cent bagels as a throwback to its opening day prices from 2008. Not only that, but the bagel restaurant is also holding a sweepstakes to win free bagels for a whole year!

Brooklyn Water Bagel Co. has locations throughout Florida, North Carolina, Georgia, Massachusetts, Maryland and California.

To enter, visit one of the locations, and ask for a sweepstakes entry. You’ll receive a small form to write in your contact information. Then, you’re all set!

The company will award the winner a dozen bagels and two cream cheeses per month for a year — a $240 value.

Good luck!

Your Turn: How will you celebrate National Bagel Day? Let us know in the Facebook comments!

Kelly Smith is a junior writer and engagement specialist at The Penny Hoarder and a senior at the University of Tampa. Editorial intern Matthew Vandenburgh contributed research to this post.

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NJ Transit says it'll finish mandated braking system on time

NEWARK, N.J. (AP) — New Jersey Transit will meet a December 2018 federal deadline for installing an emergency braking system despite lagging other passenger railroads on progress, the agency's executive director said Wednesday.Investigators are looking at the lack of the positive control braking system as a potential factor in a September 2016 crash in Hoboken that killed one person and injured more than 100 others."We are working diligently to make the date," NJ Transit [...]

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Survey Site Review: Here’s How Much We Made With Valued Opinions

We’re all about ways to make extra money here at The Penny Hoarder. And one of the simplest ways is using paid survey sites.

You’re not going to make a fortune. But if you’re just sitting around watching TV anyway, why not make a few bucks?

Whenever we find out about a new survey site, we take if for a test drive before recommending it to our readers. Here’s what happened when we tried Valued Opinions…

The Penny Hoarder’s Valued Opinions Review

Valued Opinions is one of the easiest and highest paying survey sites I’ve ever used — all of the surveys I took paid at least $1.50.

The surveys also stay true to the website’s name and goals — it really does pay you for your opinions. I took surveys on tons of different topics, from my views on certain cultural trends to which video game consoles I’m interested in and why.

It also offered product testing as a way to earn extra money through its website.

Signing up is easy, and the layout of the website is inviting and easy to navigate. You fill out your personal info and the site determines which surveys you’re qualified to take.

When you first make your account, you’ll fill out different profiles about yourself, about topics like transportation, education, consumer habits, and others. The site uses this info to send you surveys you’ll almost always be qualified to take.

The image below is a what your dashboard looks like. Whenever there are available surveys, they’l be listed in the “My Surveys” section.

I’ve already taken a few today, so my list is empty. I get around 2-4 emails every day with available survey options.

Once you finish a survey, the site usually prompts you to take a few more. I didn’t end up qualifying for all of them, but I was able to take quite a few.

Although you can’t redeem your survey money for actual cash, you can redeem it for a Visa gift card, or purchase gift cards for major retailers such as Macy’s, Nike and Amazon in $20 increments.

The site charges a $2 fee, which is why the $20 gift cards cost you $22. Luckily, the surveys pay well, so it won’t take long to earn that extra $2.

The lowest amount you can redeem is $10, but it’s for retailers like magazines.com, which I don’t personally use, so I’m holding out for an Amazon card. I haven’t redeemed any awards yet, but the website states it emails you the gift card code within 24 hours.

Here’s a list of all the surveys I’ve taken within the last week. As I said before, these are some of the higher paying surveys I’ve seen out of the sites I’ve used.

None of them are under $1.50. The lowest one I saw, but ended up disqualifying for, was $1. They’re quick surveys, too — most only took 15-20 minutes.

In a little over a week, I’ve earned $11.50.

At this pace, it’ll only take me another week to earn the $22 I need to cash out my rewards for the Amazon gift card I want.

With its high paying surveys, interesting topics and short survey times, Valued Opinions is definitely worth checking out if you want to make a few extra bucks on your spare time.

Your Turn: What’s your favorite survey site?

Jacquelyn Pica is an Editorial Intern at The Penny Hoarder.

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Stroudsburg teachers earn more annually than state averages

The 300-plus Stroudsburg Area School District teachers on strike this week are, on average, the highest-paid teachers in Monroe County.But that statement — based on payroll statistics from the state Department of Education — on its own is not telling of the current state of payroll for the district, which will go through a fourth day of closed schools due to work stoppage while negotiators meet to again discuss a nearly two-year expired union contract.In the [...]

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3 Work-From-Home Transcription Jobs Open Now — No Experience Required

Transcription is an unsung hero in the work-from-home job market.

It’s perfect for people who don’t want jobs that require you to talk on the phone, and great for workers who want to set their own schedules.

To get started with most transcription jobs, all you need is a computer and internet connection. Many transcribers also invest in transcription software, a headset and a foot pedal to control audio playback to help them work more efficiently.

Experienced transcriptionists can earn as much as $35 per hour, but beginners can expect to pull in about $15 per hour while learning the ropes.  

Interested? Cool — we’ve found three work-from-home transcription jobs for you that don’t require previous experience.

But if you want to get a leg up on the competition, consider taking a free mini-course from Transcribe Anywhere. You’ll learn the nuts and bolts of professional transcription and even how to start your own transcribing business.

1. LE Dictation Transcriber at Net Transcripts

This transcription company is hiring independent contractors to work from home, transcribing reports and case notes from patrol officers and detectives.

You’re free to set your own hours and schedule, but the company says it really needs people who can work late evenings and overnight on the weekend.

Before you can take on client work, you’ll be asked to complete an initial assessment with at least 98% accuracy.

Requirements:

  • Very strong attention to detail 
  • Excellent proofreading skills 
  • Minimum 65 WPM typing speed 
  • A PC that can run a transcription software package of your choosing, a foot pedal and good, noise-cancelling headphones

Here’s how to apply for a job at Net Transcripts.

2. Transcriptionist at Transcription for Everyone

This company is hiring because it literally has “way more work than we can handle on a daily basis and our clients keep pouring it on.”

That’s a great problem to have, right?

Transcription for Everyone hires beginners and promotes from within, so there’s a lot of growth potential here.

This work-from-home job lets you set your own hours, but you must be available to transcribe at least 90 minutes of audio per week.

Requirements:

  • Computer with at least 10MB internet speed 
  • MS Word ExpressScribe 
  • Skilled in grammar and research

Here’s how to apply for a job at Transcription for Everyone.

3. Sports Transcriptionist at VIA

This company is looking for sports fans willing to stay up late and transcribe sporting events.

VIA provides a web-based transcription tool, so as long as you have a reliable internet connection you can hit the ground running.

There’s no set of requirements or experience needed for this job, just the ability to “manage time effectively and deliver quality work without close supervision.”

Here’s how to apply for a job at VIA.

Want to hear about more great job opportunities? Follow the TPH Jobs page on Facebook and never miss a job post again!

Your turn: Have you ever worked any transcription jobs? Have any tips to share?

Disclosure: This post includes affiliate links. Adding these links helps us keep the lights on in The Penny Hoarder HQ, which makes it a lot easier to play shuffleboard after a long day of deal-seeking!

Lisa McGreevy is a staff writer at The Penny Hoarder. She’s always on the lookout for new and interesting jobs to share so give her a shout on Twitter @lisah if you hear of any.

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We Heard Social Media Can Affect Your Credit Score. Here’s the Truth

I recently saw headlines floating around telling me lenders might check my social profiles to judge my creditworthiness and borrowing power — even my internet search history.

As a 24-year-old who used social media throughout high school and college, this information incited panic.

I can’t say I’ve never drunk tweeted. And lord knows the crazy stuff I’ve searched — especially as a researcher and writer.

But I have healthy finances and good credit. I only had one hiccup with a rogue medical bill.

Could my social media usage really ruin that?

In all transparency, when I set out to write this article, I had every intention of writing a similar headline and firing warning shots: Penny Hoarders, stop posting drunk photos and Google-searching payday loans. It could hurt your credit worthiness.

However, I started digging deeper about what affects your credit score. I found similar information and headlines dating back to 2015 — and one CEO who was horribly quoted.

Spoiler alert: My view totally changed.

What’s Being Said about Social Media Influencing Your Creditworthiness

Back in late 2015, a bunch of news outlets quoted FICO’s CEO Will Lansing as telling the Financial Times:

“If you look at how many times a person says ‘wasted’ in their profile, it has some value in predicting whether they’re going to repay their debt. It’s not much, but it’s more than zero.”

News outlets picked up his quote and reported vigorously on it, including the article I recently saw on U.K.-based Totally Money.

In addition, that article stated: “An increasing number of companies — especially start-ups in the past five years — are adding to their client’s information banks directly from their phone records, internet history and even their choice of friends.”

It also reported internet searches could influence consumers’ creditworthiness. So if you’ve been searching “payday loans,” for example, your “social credit score” could drop.

However, I can’t trace these claims back to any concrete piece of information.

And when I researched “social credit score” and similar concepts, I stumbled upon a completely different practice.

So What is a Social Credit Score?

I can tell you it’s not necessarily using consumers’ social media accounts to make judgements.

I can also tell you the term isn’t new. In fact, much of the information I found on the matter was reported last year — and even earlier.

Totally Money does note that lending companies are implementing these scoring tactics in certain regions of Africa. 

However, these are more aptly called “social reputation scores,” BBC reported.

Nigeria’s Social Lender, a micro-loan facility, uses an algorithm to assign a “social reputation score” to individuals, according to BBC. The goal of this program isn’t to hurt a borrower’s creditworthiness — but to help those with little credit history.

In China, there is something unfurling called a social credit score, which Totally Money also noted. However, this doesn’t mean assigning credit scores to individuals based on social media content.

Rather, the Wall Street Journal defines it as a system China’s government plans to implement by 2020 “to track individual behavior and assign ratings to citizens.”

Basically, this system combines financial and social behavior to generate a score.

“A person can incur black marks for infractions such as fare cheating, jaywalking and violating family-planning rules,” the Wall Street Journal reported.

The score is then used to help make consumer decisions, “such as who gets loans, or faster treatment at government offices or access to luxury hotels,” the Wall Street Journal continued.

So are these systems coming to the U.S.?

Short answer: No.

But There are New Credit-Scoring Systems Being Issued in the U.S.

Remember how FICO CEO Will Lansing said being “wasted” on social media could hurt your borrowing power?

He really did say that, and it really does sound like your photos and status updates could hurt your credit.

But, NPR clarified what Lansing meant back in 2015. It quoted FICO spokeswoman Christina Goethe who said:

“The headline about social media posts created a misperception. FICO is not utilizing Facebook data, or any other type of social media data, in calculating FICO Scores. Mr. Lansing was talking generally about the fact that different types of data have different levels of predictive value.”

Basically, Lansing was using “being wasted” as a bad example (my opinion) to talk about the new scoring system FICO really had planned.

Back in October 2015, Forbes reported about this new (at that time) credit-scoring system called FICO XD.

It’s similar to what companies are trying out in Africa — scoring individuals in other, nontraditional ways.

The new score is FICO’s way of helping U.S. consumers who don’t meet the standard credit scoring requirements due to “insufficient or stale data in traditional credit bureau files,” according to FICO’s website.

In other words, the less-traditional method helps those who don’t have any traditional credit-scoring data. Instead, individuals are scored based on other elements, such as phone and utility bills, property and public records.

Nearly 26 million Americans have zero credit history, according to a 2015 Consumer Financial Protection Bureau report. So this XD score aims to help those folks.

TransUnion and Experian, the other big credit-scoring companies, have been working on new ways to assess consumers, too.

TransUnion now has something called CreditVision Link Risk Score, which includes property, tax and deed records, checking or debit account and payday lending information, among other insights, NPR reports.

Experian also includes rental data.

Will Social Media Ever Influence Our Creditworthiness Here in the U.S.?

Never say never.

Some online lending startups believe in social media-influenced scores.

Back in 2013, the Wall Street Journal wrote about Lenddo Ltd. and its co-founder Jeff Stewart.

“Mr. Stewart is part of a growing group of entrepreneurs who believe that online reputations can tell lenders more about a person’s trustworthiness than the FICO score…” the article states.

As of April 2016, the Hong Kong company is in 20 developing countries and “makes small loans for ‘life-improving’ purposes such as education, medical emergencies and home improvement,” the Wall Street Journal reported.

But will the practice come to the U.S.? Will Experian, Equifax or TransUnion adopt these practices?

First off, you’d have to be willing to let the lending company access your Facebook and other social media accounts, the chief executive of Swedish online payment company Klarna AB Sebastian Siemiatkowski told the Wall Street Journal back in 2013.

Second, FICO was, at the time, skeptical about the value of adding social media to credit reporting.

FICO public relations director Anthony Sprauve told the Wall Street Journal it didn’t have plans to use social data. He said he wasn’t too sure how one’s Facebook friends list could determine anything about creditworthiness.

Plus, We Have Laws That Help Protect Your Privacy…

NPR brought up a great point.

The U.S. has this piece of legislation called the Fair Credit Reporting Act, which “promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies,” according to the Federal Trade Commission.

Under this, you have the right to know if information has been used against you and what reporting agency that information came from. You also have the right to know what’s in your file.

And if you think information is inaccurate or unfair, you have the right to dispute that.

When Your Social Media Profile Can Be Used Against You

Unfortunately, the Fair Credit Reporting Act doesn’t cover every institution.

Banks, employers, property owners or insurers aren’t included, according to NPR. But these are overseen by other standards — like fair housing laws.

If you’re really that worried, take action for yourself.

First, know your rights, and do your research on what is actually affecting your credit score.

Second, be smart about what you post on social media, and make use of your platforms’ privacy settings when posting.

To address the whole search issue thing, check your preferred browser’s privacy settings. You can even opt to use a private, incognito window. There’s also a new(er) search engine called DuckDuckGo, which supposedly doesn’t track you.

Your Turn: Do you think your social media presence should influence your ability to borrow money?

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She once drunk tweeted at 3 a.m. to tell her social world about an attractive Jimmy John’s delivery guy.

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Asking prices fall as house hunters get nervous over Brexit

Almost a third of houses on the market today have been reduced in price since they were first listed, with Brexit-related uncertainty being cited as a reason.

Almost a third of houses on the market today have been reduced in price since they were first listed, with Brexit-related uncertainty being cited as a reason.

Research by online estate agency House Simple looked at prices in 100 UK towns and cities and found 31.3% of all properties have had prices reduced since their original listing.

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Without Emotional Advertising, Your Landing Page Won’t Work. Here’s How to Get It Right.

Emotions guide nearly every facet of our lives.

And it’s no different when it comes to what we choose to buy.

Our purchasing decisions are largely guided by emotions rather than cold logic or stark objectivity.

Some experts even suggest that “90 percent of all purchasing decisions are made subconsciously.”

In other words, they’re based on emotions.

I think that one of the biggest mistakes marketers make with their landing pages is failing to make an emotional connection.

Sure, they present some facts, sprinkle in a bit of data, yada yada yada, but they just don’t connect on an emotional level.

Maybe this is why “only about 22 percent of businesses are satisfied with their conversion rates.”

It’s a serious problem.

From my experience, emotional advertising is by far the most critical component of a landing page.

It’s essential for getting the conversion rate you’re looking for.

I would now like to take a closer look at the science behind emotional advertising and explain how you can use certain principles to fully optimize your landing page.

Let’s dive in.

What science says

When I’m making marketing decisions, I like to use concrete data as my main guide.

One particular study that I found interesting was conducted by Martin Lindstrom who “was selected by Time Magazine as one of the ‘2009 Time 100’ for his work in the area of neuromarketing.”

In it, Martin uses the fMRT process, which is short for functional magnetic resonance imaging to “get a glimpse into the head of consumers.”

Here’s what he found:

  • “Our brains usually run on autopilot, despite making us believe we know what we are doing.”
  • “90 percent of all purchasing decisions are not made consciously.”
  • “Most purchasing decisions take as little as 2.5 seconds.”
  • “Brodmann Area 10 in the human brain’s frontal cortex is activated if someone ‘thinks a product is really cool’. This area is linked to self-awareness and emotions.”
  • “Brands and products that evoke our emotions, like Apple, Coca-Cola or Nivea, always win.”

According to Peter Noel Murray Ph.D.,

fMRI neuro-imagery shows that when evaluating brands, consumers primarily use emotions (personal feelings and experiences) rather than information (brand attributes, features and facts).

The bottom line here is that we’re far from being rational creatures with our purchasing decisions.

We’re quite the opposite, actually.

At the end of the day, we’re largely compelled to buy one product over another simply because it appeals more to our emotions.

But what drives these emotions?

Emotions are ultimately interconnected with our needs.

While each person’s specific needs can vary, all humans have virtually the same basic needs, and we are continually pursuing them.

This brings me to an old school psychological concept (from 1943) that I feel still carries just as much weight today as it did back then.

It’s Maslow’s Hierarchy of Needs, which looks like this:

image02

This model shows our hierarchy of needs and breaks them down in terms of importance and priority.

Our most pressing need at the moment motivates our behavior.

Whether it’s as basic as buying bottled water when we’re thirsty or buying the latest model iPhone to gain the respect and admiration of our peers, we’re always looking to have our needs fulfilled.

Your job as a marketer

When you get right down to it, your job is quite simple and breaks down into three basic steps:

  1. Understand the needs of your audience
  2. Understand what their psychological drive is compelling them to seek
  3. Influence their behavior to appeal to their needs

Of course, there’s a lot involved with this. It’s a huge topic to tackle.

But here are the essentials of emotional advertising on your landing page.

Following these basic principles should point you in the right direction and can increase your overall conversion rate considerably.

Start with visuals

I think we can all agree that humans respond well to visuals.

In fact, I’ve written multiple articles on the power of images.

But there’s one particular type of image you’ll want to focus on with your landing page: pictures of people.

Why?

This is one of the most effective ways to evoke an emotion in a visitor.

In fact, there’s a term in psychology known as mirroring, where “one person subconsciously imitates the gesture, speech pattern or attitude of another.”

It’s a scientific fact, ya’ll.

The trick here is to use images of people exhibiting the emotion you want your audience to feel.

Take this landing page from Lyft, for example:

image00

Their goal was to show how easy and enjoyable it is to make money as a Lyft driver.

And here’s another little trick.

Using images as a guide to your CTA can have a powerful impact.

According to Talia Wolf of Unbounce,

60 percent of our brain is geared towards visual context, so the first thing we see is visual. It’s important to use the images on your page in order to guide user attention.

In other words, you should use your images as directional cues whenever possible.

For instance, you might have a person looking at your CTA.

Use the right color scheme

Next, there’s the issue of color.

Color is huge, and you don’t want to haphazardly construct a landing page without taking this factor into careful consideration.

How do you choose a color scheme?

Well, it starts with understanding colors as emotional triggers.

Here’s an illustration of a color wheel to show you what I mean:

image01

The key is to match your color scheme with the emotion(s) you’re trying to draw out of your visitors.

I’ll give you an example.

Here is a screenshot of a landing page on NeilPatel.com:

image05

Notice that I chose orange as my color scheme. This wasn’t by chance.

My goal was to connect with optimistic business owners hungry to grow their companies. I love connecting with eager, growth-driven people. Orange is the perfect color for that!

I also wanted to convey feelings of friendliness and approachability.

Now, I’m not saying that you have to follow the color wheel to a T, but you should definitely use it as a rough guide when determining which colors to use on your landing page.

That, right there, can have a tremendous impact.

Set their minds at ease

Let’s be honest.

Many of the leads visiting your landing page will be skeptical.

There are a lot of charlatans and snake oil salesmen out there who over-promise and under-deliver.

You need to make it a point to calm your visitors’ anxieties and alleviate any fears they may have.

Below is an example of a landing page that does this well.

It’s from H.Bloom, a luxury flower delivery service:

image06

Notice how they clearly explain the three-step process of “design, schedule and enjoy.”

The page very simply highlights what people can expect if they choose to do business with H.Bloom.

Customers know that they won’t get sucked into some over-complicated service that’s only going to cause them stress.

There are several other areas you may want to address to set your leads’ minds at ease, which can include:

  • testimonials from satisfied customers
  • mentioning the number of customers you’ve served (e.g., over 100,000 customers have used our software)
  • Trust icons like the ones at the bottom of this Shopify landing page (being featured by The Wall Street Journal, USA Today, and so on immediately adds legitimacy)

image08

Use language that reminds visitors of their pain

If you really want to grab someone’s attention, remind them of their primary pain point.

For instance, an acne removal product might remind visitors of the distress that severe pimples are causing them.

A company selling a knee brace might remind visitors of how difficult it is living with chronic knee pain.

You don’t want to go overboard, but a subtle reminder can serve as a strong motivator to buy your product/service.

I think LifeLock really nails it with this landing page:

image07

In this case, they rouse your fear of being a victim of identity theft.

The point here is to present a specific pain point and show how your product/service will alleviate it.

Use emotionally-driven words

The last thing I’d like to discuss is the actual words you use in your copy.

Copywriting relies upon more than simply writing well.

For it to be effective and turn leads into customers, it must:

  • have a clearly defined purpose
  • target your core audience
  • be simple
  • be persuasive
  • lend credibility to your brand
  • motivate visitors to buy

I don’t have the time here to tackle copywriting in its entirety.

But I do have a simple tip that can help you effectively evoke the right emotions from your leads.

And that’s to use emotional words.

Here’s an example of words associated with pleasant feelings:

image03

Check out this link for a more comprehensive list of emotional words. It also includes words associated with unpleasant

This list should help you decide on a few key words to include into your copy.

For a more exhaustive look at copywriting, I recommend reading The Definitive Guide to Copywriting that I co-authored.

It covers virtually everything you need to know.

Conclusion

Let’s recap.

Humans are emotional creatures, and most of our purchasing decisions are based primarily on emotion.

There’s just no getting around it.

Understanding this phenomenon is the first step to creating an airtight landing page.

By utilizing the right psychology-based strategies, such as visuals, colors, and so on, you can target key emotions and increase the odds of your leads responding favorably (making a purchase).

And the payoff is obvious: an increased conversion rate for maximum ROI.

If your landing page is lacking emotional advertising, you’ll want to address this issue right away.

Can you think of any other ways to target landing page visitors on an emotional level?



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12 Surprisingly Awesome Valentine’s Day Gifts You Can Get at the Dollar Store

January’s done, and February’s in full swing.

But just when your bank account’s had the chance to recover from the holidays, it’s time for everyone’s favorite (right? yes?) love-themed holiday: Valentine’s Day.

12 Cheap Valentine’s Day Gifts You Can Find at the Dollar Store

V-Day inspires excitement, resentment and dread, depending whom you ask. But one thing it doesn’t have to do is drain your bank account.

I took a trip to Dollar General to see what gifts it had that wouldn’t get you dumped. Here’s what I found.

1. All The Stereotypical Valentine’s Day Stuff Ever

cheap valentine’s day gifts

If you’re looking for something heart-shaped, pink, chocolate-filled or all of the above, the dollar store won’t let you down.

The very first aisle in my local Dollar General was filled with an overwhelming array of candy boxes, teddy bears and balloons, and I didn’t see anything that cost more than $7.

If you’re not devoted to the all-pink-everything motif, you can fall back on classic candy options. I saw a box of 15 assorted Ferrero Rochers for just $6. Yes. Please.

2. Movie Night

Why get all gussied up to sit in a stuffy restaurant for two hours? You aren’t even close enough to cuddle. And cuddling is the best.  

Want to try a chill movie night ( 😉 ) instead? You can get a 12-pack of popcorn bags for $3 and even throw in a box of candy without exceeding $5.

My personal favorite? A plain old bag of chocolate chips to go with the popcorn. Sweet + salty = a match almost as well-suited as you and your boo.

The dollar store I went to sold DVDs, too… although you might get a better selection with Redbox or Netflix.

Want to make your night in just a little bit classier? Depending on the state you’re in, your dollar store might even sell wine!

You’ll have to dig a little bit to get a bottle that’s any good, but we have some tips to help you get started.

cheap valentine’s day gifts

I even found a cute party popcorn box for $1 to make the soiree look the part!

3. Glam Gear

Spa days are a classic Valentine’s Day gift, but just a facial or mani/pedi might run you the better part of a Benjamin or more.

Why not pick up some $1 nail polish at the dollar store and agree to do your lady’s toes yourself?

If you feel like you’re not quite that dextrous, give her a bottle or two to use herself… but throw in a luxurious foot- or backrub.

4. Scented Candles

Dollar General had a plethora of giant, scented jar candles to choose from — the kind that you might spend $20 on at a higher-end retailer — for $5 or less each.

Candles brighten any space, and you can choose a scent that’s important to your relationship. Her favorite flower, maybe?

Bonus: Surprise your partner by getting a few candles and arranging and lighting them before she gets home. Don’t choose a lot of different scents, though!

5. Flowers

The Dollar General I visited had a surprising array of vases for just $4 apiece. They had fake flowers, too… but in my opinion, real is the way to go.

Depending where you live, you could gather a few local plants — but make sure you don’t get anything poisonous or stinging!

Otherwise, your local grocer or florist is sure to have a variety of romantic bouquets to choose from.

6. His and Hers Mugs

cheap valentine’s day gifts

Obviously, this exact set won’t be at every location, so your mileage here might vary… but look how cute! And these were just $5 each.

Throw in a box of tea or his favorite can of coffee, and you’ve got a gift that’ll make him smile for many mornings to come.

7. Books

Lucky enough to be betrothed to a booklover?

You can find a wide range of titles from the dollar store for less than $5 — some are as low as a buck!

8. Zen Kit

Does your sweetie need some chill-out time?

The dollar store sells adult coloring books, sudoku books and word searches, as well as colored pencils and pens.

Mix and match to your heart’s content, and then throw in a scented candle and a box of tea. You’ve given the gift of a relaxing afternoon in — and there’s no way you spent more than $15 to do it!

9. Cat Toys

If this one leaves you scratching your head, maybe you haven’t dated as many cat people as I have.

I found fun cat toys — the interactive kind, with feathers on the ends of sticks — for less than $3 on my trip.

Cat toys? $3. Spending Valentine’s Day laughing at Sprinkles’ antics together? Priceless.

10. Garden stuff

cheap valentine’s day gifts

Look. At. This.

It was $5 at Dollar General, and if you buy it for your favorite gardener, he’ll think of you every time he tends his plants.

11. Homemade Valentine’s Day Cupcakes

cheap valentine’s day gifts

These cute decorative toothpicks and baking cups were $1 altogether, and you can grab cake mix and icing a few aisles over if you’re not a pastry chef.

The store even sold a muffin tin for less than $10 if you don’t already have one!

12. Gift Cards

cheap valentine’s day gifts

OK, so this isn’t the most romantic item on this list.

But if you’re strapped for time and ideas, you can get a variety of gift cards from the dollar store. Stick one into a card — but make sure it’s a really nice one, preferably handmade, to make up for your faux pas.

As long as it’s for one of her favorite places and you come along, too, you’ve given the gift of spending time together on a great date! And isn’t that what Valentine’s Day is all about?

Your Turn: What surprising Valentine’s Day gifts can you scrounge up at your local dollar store?

Jamie Cattanach has also been featured in the Ms. Magazine blog, The Write Life, Word Riot, Nashville Review and elsewhere. Find @JamieCattanach on Twitter to wave hello.

The post 12 Surprisingly Awesome Valentine’s Day Gifts You Can Get at the Dollar Store appeared first on The Penny Hoarder.



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Child Care is Expensive. These 11 Companies Help Employees Pay For It

Whether you put in full- or part-time hours, it’s difficult to be a parent who also works outside the home.

Add the stress of finding reliable child care to accommodate your work schedule and it can be absolutely soul-sucking.

Fortunately, some companies realize the key to happy employees is helping them find work-life balance through the magic of child care benefits. Many times, it means offering workers safe, reliable workday accommodations for their kids.

11 Companies That Help Employees with Child Care

Here are 11 companies that get it right and one bonus because… well, you’ll see.

1. Clif Bar & Company

Base Camp is an aptly-named, on-site child care center for the company that sells organic foods and drinks aimed at athletes. Facility prices range from around $500 a month for pre-schoolers to around $1,200 for infants.

2. Aflac

The insurance company that’s fond of ducks is also committed to family care programs, including on-site child care at its headquarters and on- or near-site backup child care at the rest of its offices across the country.

3. Goldman Sachs

Goldman Sachs employees consider child care one of the top five perks of working for the finance giant.

Workers at its New York and Jersey City locations receive 40 days of free on-site child care as part of the organization’s infant transition program. Most of its other locations have backup child care facilities, including one center with a child-sized rock climbing wall.

4. Publix

This Florida-based grocery store empire is as committed to employees as it is to customers. The rates for on-site child care at its corporate headquarters are comparable other child care facilities nearby. Parents are even encouraged to take time each day to pop into the center and have lunch with their kids.

5. Citi Bank

Though this financial institution doesn’t provide full-time, on-site child care, it knows unexpected situations come up. The bank offers backup child care for up to 15 days per year at some of its locations. Rates start at $25 per child, per visit and cap at $45 per family, per visit.

6. SAS Institute

Employees of this software company’s North Carolina headquarters and some regional offices are eligible for paid on-site child care after one year of service. The company is so kid-friendly it even offers octopus-shaped hot dogs in the cafeteria.

7. Intuit

This personal finance software organization’s employees have a couple of options when it comes to child care. It offers backup care for last-minute needs and ongoing child care if you need it for the long haul. A company-based flexible spending account helps you cover expenses with tax-free dollars.

8. General Mills

This food company is about more than breakfast cereal and ice cream. Its headquarters offers both on-site and backup daycare for workers throughout the organization. General Mills’ senior marketing manager for wellness strategy Lauren Pradhan says the options make her “feel like the company appreciates the parental pain points we go through sometimes.”

9. The Summit Center

One of the largest human service organizations in western New York, this nonprofit takes child care seriously. Some locations offer on-site daycare, and the organization also offers “other benefits that promote a family-friendly environment.”

10. Intel

Though its child care facilities are off site, this tech company partners with local child care centers to give employees priority slots at nearby child care centers. They also offer prepaid backup care, access to summer camps and tax deferral options to help pay for it all.

11. Patagonia

This outdoor clothing company is way ahead of the curve, providing on-site child care for 33 years. Babies and toddlers are welcome, as are school-aged children who are bussed to the site after school so parents don’t have to fuss with long after-school pickup queues.

Bonus: Purina

This pet food company has a child development center near its headquarters, but it’s not free or even discounted. So why did I include it?

Because you can take your furbaby to work every single day. It’s perfectly fine if they spend the entire day napping under your desk, quite unlike a human kid.

Stringent daycare regulations and expensive overhead costs make free on-site child care a no-go for most companies. But it’s pretty cool to see so many organizations willing to help workers figure out how to find and pay for reliable caregivers for their kids.

You can’t put a price tag on that.

Your turn: Does your company offer child care benefits?

Lisa McGreevy is a staff writer at The Penny Hoarder. Sadly, none of her pets were snoozing under her desk as she wrote this.

Editorial intern Hayley Gonzalez helped research for this post.

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Supporting a Passion for Movies on a Reasonable Budget

Erica writes in with a question for the Mailbag that wound up with an answer that was just too long:

My husband and I are film buffs. We watch a movie almost every night together and sometimes have movie marathons on the weekends and our walls are covered in film posters. However we have a 1700+ DVD and Bluray collection and a home theater system that cost thousands and subscriptions to several services and we still spend $100+ on movie tickets per month. Do you have any strategies for cutting down these costs? Every time we think about cutting something we talk each other out of it so I’m hoping you can help!

I think the first way to examine this is to look at where the money is going.

First of all, you’ve got an extensive DVD and Bluray collection. If we assume you’ve been buying DVDs for 15 years at the same rate all the way along, you’re still buying somewhere around 10 DVDs or Blurays a month on average. Even at a bargain rate of $10 a pop, that’s $100 a month.

You have a home theater system that cost “thousands.” Let’s assume it cost $3,000 and will last five years. That’s a prorated cost of $50 a month for all of that equipment.

You have subscriptions to several services. I’m assuming you mean Netflix, Amazon Instant Video, and another service or two. Let’s assume that costs $10 a month per service and you have five services, adding up to $50 a month.

You’re also spending more than $100 a month on movie tickets. Let’s assume you’re spending at least a little on in-theater beverages and snacks, perhaps half the cost of your monthly tickets. Let’s make it $150 a month.

That’s $350 per month on your movie hobby. That’s a lot of money.

So, how can you reduce it? Here are the strategies I’d start with.

First, clean out that DVD/Bluray collection. Go through all of them and ask yourself the same serious question about each one: is there a significant chance you will want to watch this again in the next two years? If the answer is “no,” put it in a pile of discs to get rid of.

The thing to remember here is that a film that you enjoy isn’t represented by a physical object. It’s an experience. You can find the media you need to view most movies with relative ease if you need to do so (something we’ll touch on again in a minute), so there’s not much need to hold onto physical discs unless you intend to repeatedly watch that film. So, keep just the ones you’ll repeatedly watch and eliminate the ones you won’t.

When you have a big mountain of DVDs and Blurays that you recognize you won’t rewatch, sell them off. There are a number of ways to approach this, but with such a large collection, the most effective way to get a solid return on them is to use Fulfillment by Amazon, which allows you to ship all of the DVDs and Blurays at once to Amazon and sell them on their website. Amazon handles all fulfillment and shipping and takes a portion of the proceeds for that service. It’s a pretty easy way to get most of the value for each item without having to deal with shipping each one individually and handling hundreds of individual customer interactions.

You can then take that money to repay any credit card debt you have or to sustain your hobby going forward.

Instead of just buying every new release or buying older releases you’ve discovered, borrow movies from libraries or from friends. It’s likely that you have at least some friends that are passionate about films, so get into a habit of swapping films with them. Trade them a stack of ten discs in exchange for ten of their discs, burn through them in the next two weeks, then trade them back.

At the same time, libraries often have enormous media collections and can often request more via interlibrary loan. Spend some time going through the movies that they have on their shelves and watching everything of interest and, along the way, request some movies directly from their interlibrary loan service. Also, keep an eye on their DVD/Bluray new releases and jump on them when they’re available.

This doesn’t mean you should entirely stop buying DVDs and Blurays. It just means that, since you have access to almost any film you want to watch through other means, you should be a lot more selective with your purchases and only buy ones that you think you’ll watch several times. Your collection should represent your refined film tastes.

Another strategy worth adopting is to subscribe to subscription services on a rotating basis. Rather than constantly being subscribed to Netflix, Hulu, HBO Go, Amazon, and Cinema Now all at once, choose just one service and subscribe to that service alone for several months. Mine what that service has in terms of films you want to watch. Then, when it begins to feel like the cupboard is bare with that service, switch to a different service and start digging through all of their offerings.

Having five streaming services is similar to the situation you have with 1,700 DVDs/Blurays on your shelves. There simply isn’t enough time to watch all of this stuff, even if you watch a movie a day and several on the weekends. Instead of watching maybe one movie a week from each service, watch three or four from just one of the services until there’s nothing left of interest, then close that account for a while and open a different one.

Another advantage: By the time you rotate back to, say, Netflix, their set of offerings is likely going to be very different than before.

This isn’t necessarily good advice for people who watch films at a more average rate because the bigger services, like Amazon and Netflix, add more content each month than an average viewer can really keep up with. This strategy’s really only useful for high-volume watchers such as this person and people who binge-watch two or three series a week.

Be selective in terms of which movies you see at first-run theaters. While it might be tempting to go see every new release immediately, there’s a huge premium price to be paid for doing so. A theater ticket is quite expensive, and the reality is that you’re paying that cost just to watch the movie three or four months before you could borrow it for free from your local library.

Be very, very choosy when it comes to watching movies that are on their first week or two of theatrical release. It’s fine to go to some of them, but do you really need to pay that big premium to see a movie that you know will, at best, be merely “good”? It’s likely not worth it.

Save that premium price for the movies that you’re really anticipating or really expect greatness from. Don’t pay that premium price for movies that are perhaps more “middle of the road.” Watch them later via other avenues.

Catch some movies at second-run theaters. If you really like the theater experience, one way to do it on the cheap is to find second-run theaters in your area and catch movies that are perhaps a few weeks past their release date. Tickets at second run theaters often run only a dollar or two and that enables you to have the full theater experience without paying the premium price for seeing a brand new release.

Again, this is a great way to have a theater experience at a very reasonable price while also enjoying movies while they’re still in their theatrical run.

My final suggestion is a little different, but it might be a great way for you to channel your film passion without dumping lots of money into it while also meeting people with a similar passion. Start a film club.

Find a nearby library that has a good room for showing movies and talk to the librarian there about the possibility of starting a film club or a movie series. You’d work with them to promote it and be involved in leading the discussions (at first, anyway). Basically, each week you’d choose a film and show it in an appropriate room of the library that’s open to the public and then, afterwards, have a discussion about that film. What did it do well? What did it do poorly? How were the acting performances? The cinematography? Was the script problematic? Whatever strikes your fancy.

The library would promote it within their walls and on their website and social media channels, and you could carry it further and promote it elsewhere.

It’s an extremely low cost way (basically free, but there may be small costs depending on what you decide to do in terms of promotion and other things) to take your passion for film, expand it, and make it social.

So, what are we saving here? Let’s say you slow down your film purchase rate by 50%, which saves you $50 a month. You eliminate four subscription services, saving you about $40 a month. You halve your theater movie cost, which saves you about $50 a month. Not only that, you should have thousands set aside from selling portions of your collection of DVDs and Blurays, which is either eliminating a bunch of debt (adding further savings in the form of smaller interest payments each month) or financing your hobby for a few years.

The thing is, you lose very little in that exchange. All you’re cutting away is the stuff you’re not using. You’re selling off DVDs and Blurays that you won’t watch again for a very long time. You’re cancelling streaming services you’re not watching. The only theater visits you’re cancelling are to middling movies; you’re still going to the best ones and the ones you actually anticipate. You’re halving your hobby cost, putting thousands in your bank account, and giving up very little of the actual value.

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Vegetable shortage continues to hit UK shoppers

Shoppers are battling with rising prices and restrictions on the number of vegetables they can buy as the UK’s vegetable shortage continues.

Shoppers are battling with rising prices and restrictions on the number of vegetables they can buy as the UK’s vegetable shortage continues.

Poor weather in the south of Spain – where the UK imports many types of vegetable from – has caused a shortage of products on supermarket shelves since the start of the year.

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GFC 083: I Have $1.5 Million In Cash – What Should I Do?

Child Care is Expensive. These 11 Companies Help Employees Pay For It

Whether you put in full- or part-time hours, it’s difficult to be a parent who also works outside the home.

Add the stress of finding reliable child care to accommodate your work schedule and it can be absolutely soul-sucking.

Fortunately, some companies realize the key to happy employees is helping them find work-life balance through the magic of child care benefits. Many times, it means offering workers safe, reliable workday accommodations for their kids.

11 Companies That Help Employees with Child Care

Here are 11 companies that get it right and one bonus because… well, you’ll see.

1. Clif Bar & Company

Base Camp is an aptly-named, on-site child care center for the company that sells organic foods and drinks aimed at athletes. Facility prices range from around $500 a month for pre-schoolers to around $1,200 for infants.

2. Aflac

The insurance company that’s fond of ducks is also committed to family care programs, including on-site child care at its headquarters and on- or near-site backup child care at the rest of its offices across the country.

3. Goldman Sachs

Goldman Sachs employees consider child care one of the top five perks of working for the finance giant.

Workers at its New York and Jersey City locations receive 40 days of free on-site child care as part of the organization’s infant transition program. Most of its other locations have backup child care facilities, including one center with a child-sized rock climbing wall.

4. Publix

This Florida-based grocery store empire is as committed to employees as it is to customers. The rates for on-site child care at its corporate headquarters are comparable other child care facilities nearby. Parents are even encouraged to take time each day to pop into the center and have lunch with their kids.

5. Citi Bank

Though this financial institution doesn’t provide full-time, on-site child care, it knows unexpected situations come up. The bank offers backup child care for up to 15 days per year at some of its locations. Rates start at $25 per child, per visit and cap at $45 per family, per visit.

6. SAS Institute

Employees of this software company’s North Carolina headquarters and some regional offices are eligible for paid on-site child care after one year of service. The company is so kid-friendly it even offers octopus-shaped hot dogs in the cafeteria.

7. Intuit

This personal finance software organization’s employees have a couple of options when it comes to child care. It offers backup care for last-minute needs and ongoing child care if you need it for the long haul. A company-based flexible spending account helps you cover expenses with tax-free dollars.

8. General Mills

This food company is about more than breakfast cereal and ice cream. Its headquarters offers both on-site and backup daycare for workers throughout the organization. General Mills’ senior marketing manager for wellness strategy Lauren Pradhan says the options make her “feel like the company appreciates the parental pain points we go through sometimes.”

9. The Summit Center

One of the largest human service organizations in western New York, this nonprofit takes child care seriously. Some locations offer on-site daycare, and the organization also offers “other benefits that promote a family-friendly environment.”

10. Intel

Though its child care facilities are off site, this tech company partners with local child care centers to give employees priority slots at nearby child care centers. They also offer prepaid backup care, access to summer camps and tax deferral options to help pay for it all.

11. Patagonia

This outdoor clothing company is way ahead of the curve, providing on-site child care for 33 years. Babies and toddlers are welcome, as are school-aged children who are bussed to the site after school so parents don’t have to fuss with long after-school pickup queues.

Bonus: Purina

This pet food company has a child development center near its headquarters, but it’s not free or even discounted. So why did I include it?

Because you can take your furbaby to work every single day. It’s perfectly fine if they spend the entire day napping under your desk, quite unlike a human kid.

Stringent daycare regulations and expensive overhead costs make free on-site child care a no-go for most companies. But it’s pretty cool to see so many organizations willing to help workers figure out how to find and pay for reliable caregivers for their kids.

You can’t put a price tag on that.

Your turn: Does your company offer child care benefits?

Lisa McGreevy is a staff writer at The Penny Hoarder. Sadly, none of her pets were snoozing under her desk as she wrote this.

Editorial intern Hayley Gonzalez helped research for this post.

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The Surprising Truth About How to Make Your Device’s Battery Last Longer

Every time I turn around, there’s some new chaos associated with batteries.

From exploding Samsung Note 7 devices to Apple iPhone 6s models shutting down for no apparent reason, the battery beat has been grim at best.

Adding to the confusion, Apple did away with its “time remaining” battery life feature on Mac OS due to complaints that it was unreliable.

There’s a lot of advice out there about cell phone and laptop batteries, and how to make them last longer. So how are we supposed to know what’s true and what isn’t? And is it really possible to avoid replacing them?

If you think you know about batteries, throw everything you know out the window. I’m about to blow your mind.

The future is here, and it’s a world where it’s OK to leave your phone plugged in overnight.

Read on to learn why pretty much everything you think you know about laptop and cell phone batteries is wrong. You might just save some money in the process.

What Type of Battery Does My Device Use?

Remember back in the day when your dad would yell at you for leaving his ThinkPad plugged in? I do.

Back in those days, batteries were made from nickel cadmium or nickel-metal hydride. If you frequently recharged these batteries while they were still partially charged, they would eventually forget their full capacity. They would lose their capacity to fully recharge, a phenomenon known as the “memory effect.”

When this happened to your battery, you knew it was doomed. That’s when your charge would drop to 20% in just minutes, even after you’d fully charged it. After constantly scrambling to find the closest outlet to recharge it, you’d eventually get fed up and purchase a new battery.

Thankfully, though, this doesn’t (or at least shouldn’t) happen anymore.

That’s because most of today’s devices use lithium-ion batteries. Everything from MacBooks to Androids have these superpowered batteries.

Apple’s website says lithium-ion batteries “charge faster, last longer and have a higher power density for more battery life in a lighter package.”

What sets lithium-ion batteries apart from the old ones is that they charge in cycles.

Rather than waiting for your battery to use 100% of its life, you can charge it to 100% tonight and use 75% of its battery tomorrow. Then, you could recharge it to 100% and use 25%. Doing so, you’ll discharge 100% of the battery’s life, thus, beginning a new cycle — and you won’t have to let your battery go dead.

To sum it up, these aren’t your Energizer Bunny AA batteries. They respond and adapt to charging habits by working in cycles so they don’t “forget” their maximum charging capacity.

According to Battery University, lithium-ion batteries have lifespans of anywhere between 300 and 500 charge cycles. A single cycle could take several days to complete.

Common Myths About Batteries

Now that you know the differences between older batteries and lithium-ion batteries, you’re ready to know why everything else you think you know about batteries is probably false.

Here are some common myths about batteries that Lifehacker debunks.

Quitting Apps Improves Battery Life

Sorry, but no. When apps are open, they’re active on your device’s RAM (memory). Quitting them means your device will have to reload its memory the next time you open them. The reloading process sucks up more power from your battery than it would use if you simply left them open.

If you’re worried an app is sucking the life out of your battery, go to your device’s app settings to control which apps you want to refresh when you’re not using them and which you want to remain idle until you open them.

You Should Let Your Device Reach 0% Before Recharging it

No. Don’t do this — at least, not often (we’ll get to that later). Remember the charge cycle we talked about earlier? Think about it — if your phone doesn’t reach a full charge cycle every time you plug it in (depending upon your usage before doing so), why would you let your phone die before plugging it in?

You shouldn’t regularly drain your device’s lithium-ion battery to 0% because that amounts to a full cycle charge. By preventing the battery from discharging to 0% on a regular basis, you extend its life expectancy by making its charging cycles longer.

Leaving Your Laptop Plugged in Will Make it Dependent on Its Charger

I used to be a huge believer in this one. But alas, it’s 2017. Batteries these days are smarter than ever, as are the chargers that come with them. Upon reaching 80%, they enter a slow “trickle charge.”

So, contrary to what your dad told you when you were little, leaving your cell phone or laptop battery plugged in these days isn’t fatal. Your device adapts to how long it has been plugged in. The future is now!

Can You Actually Make a Lithium-Ion Battery Last Longer?

Now that we understand it isn’t 1999 anymore, it’s time to get down to the nitty-gritty: How can you make a lithium-ion battery last longer, saving you money in the long run?

Well, a battery is a battery; because of a thing called science, you can’t make something live forever. You can, however, make sure you don’t decrease its lifespan by taking proper care of it.

Here are a few ways to make a lithium-ion battery last as long as possible.

Charge It When You Can

According to Popular Mechanics, lithium-ion batteries run better when they’re continuously charged every now and then instead of being fully charged and run down to 0%.

Keep It Cool

If you’ve ever taken your iPhone to the beach in the summer, you might have experienced what happens when it overheats: It shuts off. Temperatures above 95 degrees Fahrenheit can permanently damage lithium-ion batteries, meaning they won’t hold a full charge for as long as they should.

According to Apple, ideal temperatures are 62 to 72 degrees Fahrenheit.

Store It at 50%

If you don’t plan to use your device for an extended period of time, store it in a cool place at 50% charge. If you store it while it’s dead, the device can go into a “deep discharge state,” meaning it will be incapable of holding a charge. If you store it at 100%, it can lose capacity, so it’s best to store it in the middle.

What To Do If Your Battery Starts Acting Up

If you’ve been diligent in your battery practices, yet your battery starts acting weird, you may have one last resort.

It actually is a good idea to let your cell phone or laptop battery completely discharge on occasion. So, if you charge your phone overnight and check it at lunchtime to find it’s below 30%, it may be time to calibrate it by letting the battery reach 0%.

By doing so every one to three months, you adjust the system’s life cycle so it can remember just how much charge has diminished over time.

Think of it like a reset button on your battery. After doing this, it should more accurately report how much juice is left instead of jumping from 100% to lower numbers before you’ve made a single phone call or checked your email.

Your Turn: What tricks do you have for extending the life of your cell phone or laptop battery?

Kelly Smith is a junior writer and engagement specialist at The Penny Hoarder senior at The University of Tampa. She leaves her phone plugged in overnight.

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Now Hiring: Lyft is Looking for Drivers in 100 More Cities This Year

Can you remember a time before ride-sharing services?

Well, some of you can — because a ride-sharing service never arrived in your area.

For example, I have a lot of family in Abbeville, South Carolina. You probably haven’t heard of it; it’s pretty small — population 5,000.

A good indicator of its size? It’s so small, it doesn’t have Uber or Lyft yet.

Gasp.

So when there’s a big event that involves drinking — holiday parties, weddings — the locals contract local high school students as sober drivers.

But don’t worry, my beloved Abbeville. Your time to ride might be closer than you think.

That’s because Lyft is expanding.

Lyft is Undergoing a Massive Expansion into 100 New Cities

Think 100 cities sounds like a lot?

Back when the ride-sharing service launched in 2014, it expanded to 24 cities in 24 hours. So I’d say 100 cities in 365 days is pretty doable.

Expansion areas include the Southwest, the Southeast, the Carolinas, the Rockies, the Midwest, New England and Central California.

That’s basically the whole country, right? (For a complete list of cities the service is in now, check its site.)

So what does this mean for you?

More rides. And money.

How to Sign Up to Drive For Lyft

My cohort, Dana Sitar, recently told the story of Paul Pruce. After losing his job, he opted to drive for Lyft and banks about $750 a week.

In some cities, that’s rent.

Signing up to drive for Lyft is super easy; it’s all online. You work when you want, keep a portion of the ride fees and bank 100% of the tips.

Lyft boasts that drivers can earn up to $35/hour.

If you’re curious to see what you’d make, Lyft has an earnings calculator. Type in how many hours you’d want to work and your city. In my town, I could earn $300 a week for 15 hours of weekend work.

And if you don’t have a car? Lyft has a low-cost rental option, too.

Your Turn: Do you drive for Lyft? Tell us what it’s like in the comments!

Disclosure: Here’s a toast to the affiliate links in this post. May we all be just a little richer today.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She makes friends with all of her Lyft drivers.

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