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الخميس، 6 يوليو 2017

While School’s Out, Districts Weigh How to Collect Kids’ Unpaid Lunch Debt

Heads up, moms and dads: When your child heads back to school in a couple months, their classroom curriculum should not be the only thing on your mind.

Right now, while you’re trying to wrangle your kiddos at home, school officials are putting the final touches on written policies for how staffers will collect lunch debt from you and your children.

Despite the fact that about 75% of school districts ended the 2015-16 school year with unpaid school lunch tabs on their books, many districts don’t have a formal policy on how to handle it when hungry kids can’t pay for their meals.

Tactics range from sending children home with stamps on their hands that read “I need lunch money” to lunchroom staffers taking hot lunches away from children and replacing them with cold cheese sandwiches.

Critics call those practices lunch shaming, and child psychologists say the negative impact can be immediate and lasting.

What Will Be in Lunch Debt Policies?

The U.S. Department of Agriculture, the government agency that heads the national school lunch program, is requiring districts to complete the written policies this month.

While it has not put forth many mandates for what the lunch debt policies must contain, it did provide 72 pages of guidelines and best practices to help school districts shape their rules.

Here’s an idea of what the USDA recommends:

1. Discreet Payment Reminders

The USDA suggests sending escalating reminders when lunch account balances drop below $5. It suggests starting with written reminders then progressing to personal phone calls and in-person reminders as balances become negative and remain unpaid.

Regardless of the strategy schools use, the USDA suggests schools “communicate directly with adults in the household if a payment is overdue, rather than communicating with or through the child.”

2. Changes to Payment Procedures

The USDA also suggests procedural changes to reduce the risk of embarrassing children.

One idea is to move the register from the end of the line to the beginning. The hope is this will prevent instances that require cafeteria workers to take a hot lunch away from a student who can’t pay.

According to the USDA, if the register is at the beginning of the line, it “helps the cashier determine which children, if any, are unable to pay for their meal, and allows the cashier to address the issue discreetly before the child has chosen a meal.”

3. Don’t Single Out Children

Finally, the USDA also provided alternatives to some of the most common lunch-shaming tactics.

For example, rather than sending clearly marked notices home with children when their lunch account balances are low, the USDA suggests sending notices home in plain white envelopes or including them with the normal school communications all children receive.

What’s Prohibited by the USDA?

While the USDA created the best practices with input from school officials, school districts still get to decide what’s best for them in all instances, except in one specific case.

No school district can ask volunteers, “especially the parents or guardians of other students, to request payment from a family with unpaid meal charges,” the guidelines said.

Unless a family gives specific consent, only appropriate personnel trained in the USDA’s confidentiality requirements can communicate with families about lunch debt.

Desiree Stennett (@desi_stennett) is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Eastburg woman wins subscriber sweepstakes

The Record held a exclusive contest only made available to home delivery subscribers in a recent special section called "The Sixties." This special section paid tribute to the decade that made boomers who they are today, from the rise of activism and the civil rights movement, the space race, the Vietnam war, to music and muscle cars.Subscriber Lorraine Treible was chosen as the winner of The Pocono Record Subscribers Customer Appreciation Sweepstakes, and wins a $500 Vanilla [...]

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Why Amazon’s New Brand of Wine Can’t Compete With Our Friend Two Buck Chuck

Ready for the next hot discount wine? Don’t look to Amazon.

King Vintners of Eugene, Oregon announced in a release that one of its new brands, NEXT, is “the first wine ever developed from conception to release with Amazon Wine.”

NEXT will start by offering a limited run of three varieties on Amazon: pinot gris for $20, a red blend for $30 and pinot noir for $40.

I don’t know about you, but I would put those wines in the “splurge” column. Tasty, but splurge-y.

Buying Wine on Amazon? Sort of a Pain

Buying wine on Amazon is not the easiest of tasks.

Because each state has different rules for online alcohol sales, it’s not just a matter of breezing through and picking a variety you like. You have to cross-check your preferred wine with your delivery state. And once you place your order, you need to have someone of age on hand to sign for the delivery.

Sometimes, Amazon offers 1-cent shipping on wine when you buy a certain amount, like six or more bottles from the same seller. Or cellar. Get it?!

Buying by the case or half-case is the best deal via Amazon Wine, as you have the greatest likelihood of snagging that super-cheap shipping.

Amazon has plenty of single bottles under $10, but shipping can cost $9.99 for a bottle. Want two-day shipping? Better tack on an extra $18.

Amazon has started to expand its beer and wine offerings to Prime Now orders, offering one-hour delivery for $7.99. It’s comparable to other delivery services, like Drizly ($5 per order) and Instacart (delivery prices vary), which go to your nearest liquor or grocery store to grab what you’re craving.

Amazon Wine, meanwhile, is best served for buyers who are stocking up for a party, or have a favorite brand or varietal they want to keep on hand at home — without having to lug cases of it from the store to the house.

Why the Pricy Wine, Amazon? I Like Cheap Wine

There’s plenty of competition out there for inexpensive wine.

Sam’s Club recently stepped up its wine game to go toe to toe with America’s largest wine retailer, Costco. The boxed wine offerings these days? They’re super-solid. Trader Joe’s has cultivated a loyal fan base around its Charles Shaw brand, aka Two Buck Chuck. TJ’s even has wine in a can, which offers superior portability at 99 cents per pop-top.

So why is Amazon getting deeper into wine sales if it isn’t trying to compete on price?

Because Amazon doesn’t care about saving you money. Amazon cares about convenience.  

Amazon uses an algorithm to determine which seller — and price — it offers as the default for a given item at a given moment. A study conducted last year revealed dynamic pricing, which can change several times each day, can cause large swings in an item’s price. We’re not talking about a few cents here and there. It’s a couple of bucks — or a couple dozen bucks.

Amazon and its third-party sellers can get away with charging higher prices because of the sheer quantity of items it can ship to Prime customers in two days.

If you’re firing up Amazon instead of getting in the car or walking to the nearest store, you’re not interested in getting something right now. You’re more interested in having it dropped on your doorstep at Amazon’s earliest convenience.

So its wine offerings? No, they’re not cheap. But that’s not going to stop Amazon from selling one more category of product with its own label on it.

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

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Five Reasons Small Businesses Fail (and How QuickBooks Can Help)

Robots Are Taking Our Jobs — and These 10 States May Be Hit the Hardest

We Know You Love Chipotle, but Please Don’t Use This Man’s Ordering Hack

It was the tweet heard ‘round the world.

If you have a beating pulse and a phone, you’ve likely heard of one man’s Chipotle hack that is seriously ticking off people.

Some credit it as pure genius. Others think this man is the spawn of Satan.

Our take on it all? His hack cost him big.

Folks, Don’t Do This

In case you’re living under a rock, I’ll give you a quick rundown of what exactly shook the Twitter-verse this week.

On July 2, Josh Williams headed to Chipotle Mexican Grill. After grabbing his food, he posted a rather controversial tweet.

See for yourself:

Basically, Williams had the Chipotle workers package his taco ingredients individually.

Why?

After his tweet went went viral, Williams told Buzzfeed that he lives about 45 minutes away from the nearest Chipotle. He hates how his soft tacos fall apart by the time they get home, and he also said he lives in a remote place where “everything closes at 5 p.m.”, so he sometimes doesn’t make it on time to the grocery store to get the ingredients he needs for taco night.

To me, it sounds like this man should probably learn some time management skills. But I digress.

Anyways, this dude has clearly never worked in a restaurant before.

Some people tweeted their disappointment and angst:

 

Others thought it was pure brilliance:

 

The main cause of debate, though? Folks who have worked in the restaurant biz argue that this man wildly inconvenienced minimum wage workers who were already extremely busy — and they made sure the entire universe knew that he was wrong for it.

My questions: Why didn’t he just eat the dang tacos at the restaurant? Also, who orders tacos at Chipotle?

Where This Chipotle Hack Falls Flat

If you know anything about food, you know there are actual Chipotle hacks out there that can save you big.

Our favorites? Ordering a burrito bowl with a tortilla on the side. This menu secret can get you up to 15% more food at no extra cost.

The other genius hack is ordering double items at no extra cost — both kinds of rice, both types of beans, two types of meats, etc.

It looks like Williams missed out on some free food.

*womp, womp, womp*

Anyways, while half the world seems to hate Williams for his odd ordering hack, the other half seems to be bowing down to him.

The good news is, it seems like Williams learned his lesson.

In a follow-up tweet, he said he learned three things from the whole experience: “1. Chipotle Twitter is lit. 2. I am what the kids call ‘extra af.’ 3. Line workers deserve more tips.”

Considering there are probably many more people in the world who order like this — yes, they do deserve more tips.

Kelly Smith is a junior writer and engagement specialist at The Penny Hoarder. Catch her on Twitter at @keywordkelly.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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U-Haul Needs People to Work From Home as Contact Center Agents

On the hunt for a good work-from-home job?

Then you’re going to want to check out this opportunity from U-Haul!

The moving and storage company is looking to hire part-time work-from-home agents to provide inbound phone support via U-Haul’s customer Contact Center.

These positions are technically categorized as “moonlighter jobs,” meaning the flexible schedules U-Haul offers are a good fit for anyone who needs a supplemental income.

The company also notes these opportunities are perfect for students and teachers who are looking for temporary summer employment.

Snag One of These Work-From-Home Jobs With U-Haul

U-Haul needs people to fill three types of work-from-home roles: customer service, sales and roadside assistance.

As a part of the Contact Center team, you’ll answer incoming customer calls and provide general assistance throughout the entirety of the rental process.

You should be dependable, have a positive attitude and possess great customer service skills. You should also be a clear communicator, have excellent computer skills and have a basic knowledge of geography.

Requirements

You should be at least 16 years old and either be currently in school or have a high school diploma or GED equivalent. Mechanical knowledge and call center or customer service experience are helpful but not required.

You’ll need a quiet space to work and should have a secure, wired internet connection. There are a few other technical requirements you’ll need to meet, but you can learn more about those here.

After an initial training period — which is remote and paid — you should be available to work at least 25 hours per week. However, that doesn’t mean you’ll work the full 25 hours every week, as hours vary greatly depending on whether it’s a slow or busy season.

Benefits and Pay

Part-time employees at U-Haul enjoy a nice selection of benefits such as a dental plan and 401(k) savings plan.

In the past, the company has offered $10 per hour for similar roles. We’ve reached out to U-Haul to ask about current pay, and we’ll update this post when we learn more.

To apply for this job, visit the original job listing here.

If you want to be the first to know about other awesome work-from-home opportunities, be sure to like our Jobs page on Facebook.

Grace Schweizer is a junior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Apply for This Part-Time Work-From-Home Job That Doesn’t Involve a Phone

What if I told you it’s possible to make internet searches more exciting and pull down a paycheck at the same time?

It’s true!

Marketing services company Lionbridge is hiring work-from-home web content judges right now.

You’ll use company-provided guidelines to rate keyword and search pairs related to websites, videos, online advertisements, images and more. The goal is to help make internet search more “exciting, relevant and interesting”

Pay for this freelance, independent contractor position is “based on completion of the agreed tasks or engagements within the specified time period.”

That’s pretty non-specific, so it’s tough to know exactly how much your paycheck will be, but similar search engine evaluator jobs pay $12 to $15 per hour.

According to the job listing, you’ll work 10 to 20 hours per week.

Requirements for this position include:

  • Fluency in English (additional language skill are a plus)
  • United States residency (working and living) for five years
  • Working knowledge of current events, sports, news, social media and cultural affairs
  • An interest in the internet, including blog writing, website publishing and research
  • Strong attention to detail
  • Bachelor’s degree or equivalent preferred

Benefits include:

  • Flexible hours
  • Direct deposit

Learn more about Lionbridge’s recruitment process, then apply here to be a web content judge.

Lisa McGreevy is a staff writer at The Penny Hoarder. She loves telling readers about new job opportunities so look her up on Twitter @lisah if you’ve got a tip to share.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Shopping Organic Can Get Expensive, So Naturally We Found 11 Ways to Save

I’m a sucker for anything deemed organic, especially milk

My college roommates made fun of my weekly organic milk splurges, partially because I drank milk at the rate of a baby cow. But also because it was expensive — about $2 more per half gallon than “regular” milk; I actually checked once.

*Cue all Penny Hoarders cringing.*

But that was my choice and what I wanted to — and felt good — drinking.

11 Ways to Save Money on Organic Groceries

If you’re in the same boat (or shopping cart) and prefer to buy organic products, know it doesn’t have to be expensive.

You might not be able to find a ton of coupons for your favorite products in the Sunday newspaper, but there are still tons of tools and strategies you can employ to save money.

Here are a few of our favorites.

1. Scan Your Receipt and Earn Cash Back (Yes, Even For Organic Products)

Ibotta is a cash-back app that houses tons of rebates for all of your favorite stores.

I’ve always liked it because the offers aren’t just for a can of beans or the most generic brand of orange juice. It actually lists good, conscious brands I already enjoy from my favorite stores — from Target and Publix to The Fresh Market and Whole Foods (when I’m in that “treat yo ’self mood).

For example, right now you can get 25 cents back on any brand of avocados — even organic.

Sometimes you’ll find bananas; other times you’ll find limes or bell peppers. There’s almost always a fresh fruit or vegetable you can earn cash back on, even with that “organic” sticker.

Ibotta also has tons of offers for packaged organic foods. The other day I received $3 back on Organic Valley Grassmilk. I’d never tried it, but I love Organic Valley, so why not? The rebate drove the price down to the price of “regular” milk and even put me closer to a $1 bonus.

Other offers include organic plant-based protein, organic almond milk, organic cookie mix, organic yogurt smoothies — even organic sunscreen.

If you haven’t explored Ibotta yet, you really oughta. Download it now for a $10 bonus.

2. Get Organic Products Delivered to Your Door

Ordering groceries online and having them delivered to your door saves so many headaches. (Plus, you’ll never have to run into that kid you went to high school with again.)

If you haven’t found your favorite online grocery platform, check out Thrive Market, which exclusively stocks organic products, including gluten-free, paleo, raw and vegan. Shopping categories range from food to pet care and health.

I recognized a ton of food I already buy at the grocery store.

For example, I love Lundberg Farms Organic Brown Rice Cakes — lightly salted, of course. But a pack of these suckers push $5, so I only buy them once in a blue moon. However, I can get them on Thrive for 33% off at $2.85.

I also like throwing chia seeds into my morning smoothies, but those are so, so pricy. If I buy the Thrive brand, I’ll save 50%, driving the price down to $7.95.

When you sign up for Thrive Market now, you’ll get a 20% discount on your first order.

Pro tip: After you’ve signed up with Ibotta, you’ll find a 15% cash-back deal for Thrive.

Brb. I’m stocking up.

3. Add More and More Organic Items to Your Cart

Sounds counterintuitive, right? Jet is actually a pretty fun online shopping place because of that.

Think of it as an online warehouse club. You can buy items in bulk and save. Additionally, the more you add to your cart, the more you save.

Here’s an example: I add organic coconut oil to my cart. It’s already discounted, but when I add a box of Kashi cereal, some canned organic pumpkin purée and a box of quinoa, the item’s price continues to drop.

If you want to find the organic items, just search “organic” on the site. You’ll find product categories as well as the top brands (like Amy’s, Annie’s and Nature’s Path).

If this is your first time shopping with Jet, you can get even more of a discount. It’s offering 15% off your first three orders when you sign up.

And if you spend at least $35, you’ll get free shipping.

Pro tip No. 2: You guessed it! Jet also has a deal with Ibotta right now where you can earn an additional 10% cash back on any orders. Even more? Make your first Ibotta/Jet purchase, and you’ll snag another $2 bonus.

Brb. Again.

4. Download This “Berry” Cool App

BerryCart is a cash-back app I just discovered — but will probably start checking.

It’s perfect for organic shoppers because it aggregates the best deals on organic, gluten-free and non-GMO products, so you know what you’re looking at is, well, organic.

It works just like Ibotta in that you download the free app, find your favorite deals, buy ’em, then snap a photo of your receipt.

There’s no need to pick which store you want to shop at; just snap a photo of your receipt no matter where it’s from.

Here are a few examples of cash-back offers available right now: 75 cents back on Hope organic hummus, $2 back on NutZo organic nut and seed butter and $1 back on organic sparkling water.

The app seems like a neat way to earn cash back while also discovering new organic products.

Outside the realm of apps and websites, there are tons of other strategies to employ when shopping organic. Let me share a few…

5. Know Your Seasons

Whether you’re shopping for produce or meat, you’ll notice prices drop when something’s in season.

Take Heidi Medina’s advice. Her family lives on a budget, but she opts to buy organic meat. Like produce, meats have seasons, which will vary depending on where you live.

For example, beef season is typically after the first cold spell in the fall. You’ll likely find better beef prices then. Pork season, on the other hand, is later in the fall, after the pigs feed on the late-season fruits and nuts.

If you want to read all of Medina’s tips, we’ve got ’em here.

6. Learn How to Spot Your Favorite Store’s Organic Brand

We all know the generic store brands can save you money, but did you know many retailers also have a line of organic store-brand products?

Here are a few examples:

  • Aldi: Simply Nature
  • Kroger: Simple Truth
  • Publix: Greenwise
  • Safeway: Organics
  • Target: Simply Balanced
  • Whole Foods: 365 Everyday Value

Scout out your favorite store’s generic organic brand before your next grocery run.

7. Discover Your Local CSA

Community-Supported Agriculture (CSA) programs connect consumers directly to the producers.

For example, your local beet farmer (Dwight Schrute, probably) will offer “shares” of beets to consumers in the area. These “shares” will likely come in the form of a bag or box of beets. Those consumers will pay a fee and receive the shares seasonally.

CSAs help the farmer, who can pocket the money early in the season, and it helps the consumer, who can eat local, ultra-fresh produce at a reduced rate.

For example, Penny Hoarder Kristen Pope joined her local CSA by purchasing a “quarter share.” For $9.53 per week, she received a box of fresh organic produce.

Check out local CSA offerings in your area at Local Harvest.

8. Take a Trip to HomeGoods

You’re going to think I sound crazy because you don’t need organic furniture and decor.

But HomeGoods houses tons of organic items in its pantry aisle — typically in the kitchen section.

Find everything from discounted chia seeds and organic coconut oil to organic baking mixes.

I’ve found so many gems in that store. It’s hit or miss, but it’s worth a look on your next visit.

9. Don’t Be Afraid to Buy in Bulk

Before you start filling up bags of organic nuts, grains and legumes, be sure to check the unit prices.

But chances are, you’re going to be able to save more by buying in bulk.

Some stores even have self-serve organic flours, honey and coffee.

Another perk of buying in bulk? You’re able to control how much you want or need, so that’s convenient, too. But if you end up with leftovers you can always stock up the freezer!

10. Take the DIY Path: Grow Your Own Organic Produce

Part of the reason I like buying organic is because I know pesticides and other nasty chemicals weren’t involved in the production process.

You can alleviate that concern when you take matters into your own dirt-covered hands and grow your own food.

If you’re rolling your eyes right now wondering how this is going to work, here’s a beginner’s guide. Read that.

You’ll also want to make sure what you’re growing is actually cost-effective, so here’s a list of vegetables that are cheaper to grow than buy.

11. Know What’s Worth Buying Organic

If you’re organic all the way, that’s fine: You do you.

But if you buy organic in anything and everything just because you feel like it’s better, well, maybe do some research.

Start here: Know what organic actually means.

It’s helpful to determine what is worth the splurge and what isn’t.

If you find that you do want to opt for organic, well, you now know how to save money!

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She’ll always splurge on her organic skim milk. So worth it.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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This App Will Send You Money for the Booze You Buy at Stores and Restaurants

I didn’t realize this until I moved out of my home state of Wisconsin — but alcohol is expensive.

Unless you’re a pro at finding nightly specials, know a lot of bartenders, or are willing to choke down well cocktails all night, an evening out is going to be hard on your wallet.

Until now… We’ve found a way to actually save money on drinks at bars, restaurants, grocery stores and liquor stores.

Ibotta is a fun rebate app that lets you get cash back on drink deals. And it’s available all over the country.

Here’s how it works:

  1. Download the app and start a free account to browse drink deals in your area.
  1. Choose the deals you want, and buy the items.
  1. Click “Redeem” on the offer in the app, and take a picture of your itemized receipt.
  1. Cash will be deposited into your PayPal account within 48 hours. You can also redeem for gift cards.

What Kinds of Deals Will You Find?

Ibotta is always updating with new deals, so check back before you go out.

For example when I checked, some of the latest liquor store deals included:

  • New Belgium Fat Tire Belgian Style Ale: $2 back on 12-pack bottles
  • Shiner Bock beer: $5 back on 12-pack bottles
  • Absolut vodka: $5 back on 750-milliliter or 1-liter bottles
  • 1800 tequila: $3 back on 750-milliliter bottles or larger
  • Sutter Home: $1 back on 750-milliliter or 1-liter bottles
  • Eppa SupraFruta sangria: $1.50 back on 750-milliliter

Ibotta also features deals for any restaurant or bar. Check out some of the latest deals:

  • 1800 tequila: $3 back on any mixed drink or cocktail
  • Budweiser or Bud Light: $3 back on any pitcher or bucket
  • New Belgium beer: $1 back on any bottle or draft

There’s even a deal for $2 back on the purchase of a Budweiser beer and any sandwich.

Redeem these anywhere — you’re not restricted to specific locations. However, you do have to be 21 or older to take advantage of these deals!

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).

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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What the CFPB Wants You to Know About Credit Repair Services

The Consumer Financial Protection Bureau has filed federal complaints against four credit repair companies that promised to help customers raise their credit scores for a fee.

According to the CFPB, the four California-based companies — Prime Credit LLC, IMC Capital LLC, Commercial Credit Consultants and Park View Law — violated several federal laws.

The companies and their leaders are accused of charging consumers fees before they delivered on services, overselling the benefits of their services and failing to disclose the limitations of “money-back guarantees” they advertised to gain the trust of potential clients.

The CFPB recommends fining the companies a combined $2 million.

What the CFPB Says the Company Did Wrong

According to the CFPB, federal law requires companies like those named in the complaint to prove they are able to deliver on the promised results before they can collect any payment.

The CFPB accuses each of the four companies of charging hundreds of dollars just to review a customer’s credit history and sign them up for the service. Then, the companies would charge an additional $89.99 each month to continue the service without significantly increasing their customers’ credit scores, the CFPB says.

While the companies also offered money-back guarantees for unsatisfied customers, the CFPB says many were never able to collect because only those who stuck with the company for at least six months with no results qualified for the guarantee. Anyone who left sooner forfeited their rights under the guarantee, according to the complaints.

Finally, the CFPB says the companies often lured in customers who were struggling financially with the promise they would remove nearly every negative mark on their credit and dramatically increase their credit scores. Customers paid the high fees in hopes of leaving with significantly higher credit scores, but the companies lacked the evidence to support these claims, according to the complaints.

Thinking of Hiring a Credit Repair Company? Consider This First

While the companies named in the complaint and their clients were mostly based in California, other companies all across the country make similar claims about what they can do for your credit score.

While some may be helpful, we want to protect our Penny Hoarding family from the bad apples.

First, there is no good reason to pay any company just to review your credit history. You can use a service like Credit Sesame to calculate your credit score and monitor any changes for free.

If you want to skip hiring a credit repair company altogether, Credit Sesame also gives you tips on how to raise your credit score.

If you feel like you need outside help, here’s what the CFPB thinks you should know before paying for credit repair services.

1. If the Company Demands Upfront Payment, Run

Under the Credit Repair Organizations Act, a credit repair company cannot charge you any money until after it completes the service.

If the company uses telemarketing, it cannot request fees until it can produce a credit report at least six months after the promised results that shows it fulfilled its promises to you. So, if a credit repair company that uses telemarketing promised you a 100-point credit score increase in six months, it cannot collect its fee until it proves it fulfilled its promise 12 months later.

“Some companies will structure monthly payment plans to avoid this requirement, and you should know that no form of upfront payment is legal,” the CFPB said.

2. If it Sounds Too Good to Be True, it Probably is

If the company you’re considering hiring has promised a specific score increase in a short period of time, don’t believe it. Updating a credit report takes time, and no one can guarantee a specific score.

3. If the Company Can’t Clearly Explain its Process, That’s a Red Flag

We get it. The reason you would hire an expert is because this process can get complex. You’re paying them to be the experts so you don’t have to be one.

But if the company you’re considering hiring can’t clearly explain how it plans to repair your credit and raise your score, that is a sign something may be wrong.

Make sure you understand the process, know exactly how much the service will cost and have a written contract that outlines all of this. You’ll need that contract to determine if the company delivered on its promises and avoid any surprises when it’s time to pay.

4. If the Company Asks You to Lie, Don’t

The CFPB’s final word of caution: Never hire a company that asks you to misrepresent facts.

For example, a less-than-reputable company may advise you to create a new credit identity with an Employer Identification number instead of your Social Security number. The CFPB does not recommend following this shady advice.

If you hired one of the California companies or another company in any other part of the country and had a similar experience, report it to the CFPB.

Disclosure: Our friends stopped inviting us over because we were always digging for loose change between their couch cushions. We use affiliate links instead so we still get invited to a few parties.

Desiree Stennett (@desi_stennett) is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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12 Frugal Summer Vacation Strategies from Our Family’s National Park Vacation

A few months ago, I posted an article on how we plan frugal family vacations in national parks. During the first half of June, we put that knowledge to the test with a long road trip family vacation that took us to Badlands National Park, Shoshone National Forest, Yellowstone National Park, and Grand Teton National Park. We drove the entire trip and we camped every single night but one (we were actually unable to return to our campsite due to a freak incident and had to find emergency lodging one night).

While we did use many of the strategies in the earlier article during this vacation, I thought it would be very worthwhile to circle back and look at which strategies really were money savers on the trip. Here are 12 things that we did that saved us a lot of money on our family’s summer vacation in the national parks.

Take advantage of the Every Kid in a Park program, or the Senior Pass program, or the Military Pass program to get into national parks for free or at a steep discount. If you are over the age of 62, are an active member of the military, or have a fourth grader in your family, you can easily pick up a highly discounted (or even free) pass for the national parks, which will chop substantial cost off of your trip.

In our case, we took advantage of the Every Kid in a Park program, which got our family into Yellowstone, Grand Teton, and Badlands National Parks for free and gave all of us a free guided tour through Wind Cave. This simple pass saved us at least $100 on our trip, and it took about five minutes of our daughter filling out a form online. (They do verify that you have a fourth grader in your group, so it’s a waste of time to try to ‘scam’ a free National Parks pass this way. Also, my parents have a Senior Pass, which was similarly easy to acquire.)

In fact, I would go so far as to say that the summer after your child finishes fourth grade is a great summer for a National Parks vacation. Not only will it be less expensive thanks to the Every Kid in a Park program, the child will also get a great deal of value out of it. While our youngest child was perhaps a bit too young to really get full enjoyment out of everything, our two older children really found a lot of value in the National Parks, and we’re already tentatively planning a National Parks vacation when our youngest is in fourth grade (Acadia and a stop in Shenandoah along the way, if you’re wondering).

Check out travel guides from the library before you go and rely on the free pamphlets within the park. Travel guides are incredibly useful for advance planning of the trip and identifying trails and other activities and sights that might work for you and your family. However, once the trip is over, they become much less useful, so I don’t recommend actually buying them.

Instead, hit your local library. Check out their travel guides associated with the area and make some notes and plans for yourself. You can even take the books with you on the trip.

While you’re there, however, you should really take advantage of the great pamphlets and documentation that the National Park Service provides onsite. Their brochures and pamphlets are top notch, especially when paired directly with stellar advice directly from park rangers.

Pack as much of your own food in advance as possible, bought from discount grocers. If you’re doing an inexpensive national parks vacation, there’s a very good chance you’re camping, and if that’s the case, you’re going to be responsible for preparing your own meals, probably simple ones. There’s also a very good chance that you’re driving there, provided the national park is within several hours of your home.

Given those two assumptions, one brilliant way to save a lot of money is to simply plan a bunch of meals out in advance, buy a ton of food at your local discount grocer before you go, and pack a cooler with ice from your own freezer for items that need to stay cold. That way, you’re spending very little on food for most of the trip.

This is exactly what we did. We covered much of the trip with the food we packed ourselves, filling every little nook and cranny in our vehicle with food items. We planned out a bunch of simple meals that we could utilize any day for breakfast, lunch, and supper and made sure we had everything on hand for all of them.

We also prepared a shopping list to take with us. Part of the way through the trip, when we were actually out of the national parks for a bit, we went to a discount grocer and bought everything on that list. Those items fulfilled the remainder of our meal plan for the trip.

Our food costs were stunningly cheap for this trip. Yes, we ate a lot of simple meals – sandwiches and simple soups and foods cooked over a campfire – but they were extremely low cost and actually quite fun to prepare over a propane stove and sometimes over a campfire (more on this in a bit).

Camp in a nearby National Forest rather than a National Park, if possible; it’s still beautiful and often way cheaper. As we were examining the comparative costs and availabilities of campsites, we discovered that camping in the Shoshone National Forest, which is adjacent to Yellowstone, was actually cheaper and more widely available than camping within Yellowstone.

Shoshone contains many wonderful trails, great views, and other features that make it well worth your time, plus it’s literally adjacent to Yellowstone, meaning you have full access to Yellowstone with a 15 minute drive.

The same thing is true at many national parks. There are often national forests and national grasslands and state parks and other such places adjacent to the national park that can provide wonderful vistas and experiences and a low-cost camping destination that’s often in much less demand than the national park itself.

Speaking of lower-demand camping…

Check on “first-come-first-serve” campsites, but don’t rely on them. Once you start planning a national park vacation, you’ll quickly learn that many campgrounds allow reservations while other campgrounds operate on a first-come-first-served basis. I’m not going to say that either style is strictly better than the other – you’ll have to rely on individual campground reviews for that – but simply recognize that both are available to you. In general, however, I’ve found that the first-come-first-served campgrounds are significantly less expensive than the reserved campgrounds.

In short, the more flexible you are, the more it makes sense to rely on first-come-first-served campgrounds. This is especially true if you’re open to considering campgrounds that are in adjacent national forests, or you’re willing to spend your first night in a hotel after a long drive and set up camp the next morning.

As I mentioned earlier, first-come-first-served campgrounds tend to, in general, have a lower per-night cost than reserved campgrounds, so if you’re going for a longer trip, you can actually still save money by staying at a hotel near the national park the first night, then going in early the next morning to secure a campsite for the next several days.

Given the length of our drive (from central Iowa out to western Wyoming), we chose to go with reserved campsites, but during one portion of the trip we were faced with some logistical challenges and we examined the options of first-come-first-served campsites and were impressed with the relative value they offered.

Bring along a sturdy backpack that can serve as a “picnic basket.” Here, I’m speaking directly to families who may not be frequent campers but are giving it a try as a family vacation: a sturdy backpack will be your friend on this trip. It will save you a lot of money.

The reason is very straightforward. When you’re out and about visiting ranger stations or walking on trails or checking out visitor centers, you’re not going to want to stop and rush back to the campsite for lunch for a hungry family. Instead, it’s far more convenient to just find a picnic table or even a log to sit on and simply enjoy a picnic together, produced as if by magic from your backpack. (Often, the other option is to eat very expensive fare sold by the park service at their stations.)

This does take some morning prep work. You’ll have to plan out some meals that will work well in a backpack, prepare all of the food before you leave in the morning, and someone will likely have to carry it at least for a while. However, the convenience of being able to go on a very long trail from the mid-morning to the mid-afternoon with lunch at the far end of the trail, or the ability to go to the far side of the park for the day without having to worry about paying for an expensive lunch or expensive snacks can make a huge difference in your vacation costs.

Keep meal prep as simple as humanly possible so that you’re not tempted to skip it and do something else. On this trip, we ate a lot of sandwiches. We simply kept loaves of bread in a box in the back of our vehicle along with cheese and hummus and condiments in a cooler, along with some fruits and vegetables in the food box and a few additional items in the cooler. Those sandwiches became the basis of a lot of meals – they made up most of the lunches we ate, in fact!

Our dinners were a mix of simple campfire meals – soup made in a cast iron pot over a propane burner one night, hot dogs over a campfire another night, campfire meals wrapped in aluminum foil and cooked directly on the fire yet another night.

All of those meals were very easy to prepare. Often, we just pulled food from the food box and the cooler, assembled meals within a few minutes, and started cooking them immediately (if cooking was even necessary). The meals required few ingredients, but the ingredients we did use were flavorful. We did not plan gourmet meals on this trip.

We ate at restaurants exactly twice the entire vacation and both times we ate very nice meals, but the vast majority of our meals were very simple meals prepared quickly from just a few ingredients. We intentionally chose simple things so that we could spend our time enjoying all of the things to do, rather than preparing complex meals or throwing money into expensive restaurant meals.

Use a small propane burner for hot foods, as it’s far cheaper than campfires; campfires are fine, but don’t use them for every meal. Yes, camping often implies a campfire, but campfires can be expensive. Often, the wood needed for a night of campfires can add up to $10 or more and you’re strongly discouraged from bringing outside wood.

Our solution? We didn’t necessarily have a campfire every night, especially on nights when we returned to the campsite later in the evening. On nights when we did have a campfire, we prepared meals on it and roasted marshmallows; on other nights, we used a simple propane stove for meal prep needs along with a solar battery lantern for light.

This enabled us to keep fuel costs as low as possible. It’s definitely less expensive to burn a small amount of propane to cook some food and use a solar light to see than it is to burn $10 worth of campfire wood, and on a night when everyone is tired after walking twelve miles of trails, a quick meal over a propane stove and heading to bed immediately was more suitable to everyone, anyway.

Avoid the touristy towns on the edges of national parks. Jackson, Wyo., is a beautiful town. However, it’s an expensive town, one clearly built with visitors in mind. Virtually everything there is pricey and there are simply infinite opportunities to spend your money.

The best solution? Don’t go there unless you’re expecting to spend some dough.

There are cities and towns like that near every significant national park. They’re convenient. They have a lot of little creature comforts. They often have some interesting things to see. But they’re expensive places to visit.

We chose to eat lunch in Jackson one day and visit a few interesting sites there, but the cost of lodging and of many of the shops there was very high (though everything seemed to be of good quality). While Jackson is lovely, it was also not a good match for what we intended to be a very low-cost family vacation. The same holds true for any expensive, tourist-oriented town on the edge of a national park area.

Go electric-free and use rechargeable batteries. When evaluating campsites, you’ll quickly notice that some have electricity and some do not and that the electrical sites come at a premium. I encourage you to give electric-free a try.

“But what about cell phones?” you might wonder. Our solution was simple – we simply used rechargeable batteries. We stayed at an electric-free campsite for five days and my Anker PowerCore lasted for the entire stint, charging my phone several times. We saved about $12 a night compared to a similar campground, so the savings alone paid for the battery (and more).

It only takes a few days at an electric-free campsite to pay for a rechargeable battery, which you can then use and use and use again. If you stay at an electric-free site in the future, you’ve already got the battery!

Set a “souvenir budget” for everyone right off the bat. At the very start of the trip, we agreed to buy each child one article of souvenir clothing and one additional item up to a specific dollar amount. They knew that this was the rule and we stuck with it throughout the trip.

This allowed us as parents to set clear boundaries before ever setting foot in a store of any kind and allowed our children to understand what kind of souvenir to look for.

Our children did also bring along earned allowance money, so they were able to buy additional small souvenirs if they so chose, something some of our children did.

This policy as a whole saved us a lot of money on souvenirs because the policy was clear and unambiguous and set the cap for spending very low overall. We came home with a few new shirts and a couple of books, mostly.

Fill up with gas away from the park, if possible. Many of the larger national parks offer options for fueling up within the park, but those gas stations are often priced as you would expect a gas station to be priced in an environment with no competition. Needless to say, the gas there wasn’t cheap.

The best solution is to fuel up outside of the park whenever possible. We went on one lengthy excursion outside of the national parks on our travels (besides the actual travel to and from the parks) and we did our best to fuel up outside the boundaries of the park. Why? The cost of gas inside the park was $0.20 to $0.30 higher than outside the park. It wasn’t enough that a buyer would be shocked at the price, but it was enough to notice if you were paying attention and it was enough to make a $10-20 difference on the trip.

Naturally, this isn’t a big thing, but it makes enough of a difference that by simply being aware of it, you can make better choices that will keep money in your pocket.

On the whole, this was an extremely inexpensive vacation for our family. We were away from home for 10 days and spent less than $100 each day on everything – food, fuel, campsite, firewood, everything (the only thing I’m excluding is the unexpected emergency night in a hotel). That cost savings was largely due to three factors.

First, we are regular campers. Most of our camping supplies are used several times a year and have been used for many years, bringing the cost per night of camping for that gear down into the pennies, literally. I have a sleeping bag that I have slept in countless times since college, so the cost per night of that thing is far, far less than a dime. Being a regular camper makes camping cheaper and cheaper.

Second, we planned with low cost camping in mind. We thought about the trip in advance, thought about choices we could make to keep costs low, and executed those choices. We made meal plans, checked out library books, and carefully packed things before ever departing. We didn’t just toss clothes in a bag and roll out the door. That prep work paid off – our family was able to see a ton of natural beauty at a low cost.

Finally, we separated ourselves from the idea that vacation has to mean “luxury” experiences. Rather, vacations, to us, simply means experiencing a new slice of the world, and we certainly did that. (Though, to be honest, I can’t think of anything “luxurious” that would seem more amazing than some of the natural beauty we saw.)

I highly, highly recommend a well-planned vacation in the national parks if you have a fourth grader in your family (and even if you don’t). It can take some planning to keep it cheap, but it’s a tremendous opportunity to see some of the amazing natural beauty of our country at an incredibly low cost. See what national parks are within 10 hours of driving from your home and use that as a starting point.

Maybe, in a few years, we’ll see you in Acadia.

Related Articles:

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My first steps to an early retirement: getting a valuation

My first steps to an early retirement: getting a valuation

After more than three decades advising readers about pensions, one personal finance journalist is faced with decisions about her own plans for later life.

After more than 30 years advising readers about their investments, savings and pensions, I now find myself having to take my own advice. Early next year, I plan to wind down my journalism and start drawing my pension.

That raises all sorts of questions:

  • How should I take the benefits? Cash lump sum or not?
  • How long do I need the funds to last and, therefore, how much can I withdraw each month or year?
  • Which is the best pensions vehicle to use?
  • Whom should I turn to for advice?

Of course, I have my own thoughts on how to answer these questions – and none of these involve taking out an annuity or buying a Lamborghini. I don’t want to buy a guaranteed income from an insurance firm and I won’t use the pension freedoms to withdraw a big lump sum to spend on a fancy car.

Heather Connon plans to cut down her writing and start drawing her pension

But there is a lot at stake: get it right and I could enjoy a comfortable old age; get it wrong and I could run out of money. I have, therefore, decided to approach the process as a novice and to seek a wide range of views on the best approach for me.

Baby-boomer advantages

I am in a very fortunate position. While I don’t have a final salary scheme with a guaranteed, inflation-linked pension for life, I have many of the other baby-boomer advantages.

For much of my journalism career, I worked for companies that paid a generous 10% of salary into my pension if I made the maximum 15% contribution.

Compare that with the auto-enrolment workplace pension, where the minimum employer contribution will rise to just 3% in 2019, when the employee’s minimum will be a meagre 4%.

Lower house prices in the late 1980s, when my pension saving started, meant I could afford to make the maximum contribution and still pay my mortgage. I was also late starting a family, so my career was well established when I had my first child and I was able to work flexibly §with no impact on my earnings, so I could finance childcare costs and pension contributions without too much hardship.

The start of my pension savings also coincided with a stock market bull run – the FTSE 100 Index of the largest companies on the London Stock Exchange roughly trebled in the 1990s.

While this century has been a bit more mixed, it set my retirement savings on a very solid foundation, so I now have a pot of around £500,000 which, even though I will be only 58 when I retire, should be enough to provide me with a reasonable income.

Pension valuation

My first step was to contact my three pension providers to ask for a valuation. My largest fund is with Guardian Media Group, and the pension department was helpful in explaining my options following pension freedoms but warned that it did not offer the income drawdown option, which was likely to be my preferred choice.

Income drawdown is a way of using your pension pot to provide you with a regular retirement income by reinvesting it in funds specifically designed and managed for this purpose. The income you receive will vary depending on the fund’s performance. It isn’t guaranteed for life.

A valuation arrived promptly, together with a useful Pension Wise booklet explaining my options, how to contact the service and advice on avoiding scams. Friends Provident, part of Aviva, manages my second largest pot.

When I explained to the customer services representative that I was thinking of taking my pension via drawdown, he explained that while Friends itself does not offer that option, Aviva does – omitting to mention that numerous other companies do too.

The third and smallest fund is with Standard Life, where I had to try on three different occasions to get through to a representative; when I did, they simply pointed me to the company’s online portal where I got an up-to-date valuation.

Pension Wise

My next step was to contact Pension Wise, the government’s free advisory service, which was established to guide people through the pension reforms introduced in 2015, which allow savers far greater freedom in how they can take their pension benefits.

Anyone can ask for a 45-minute appointment to discuss the options available, either by phone via Pension Wise or face to face at a local Citizens Advice Bureau.

Making a telephone appointment was straightforward, and slots were available within three days.

Sally, my Pension Wise adviser, made it clear from the outset that she would not give me financial advice nor recommend any product.

She started by taking details of my age, pension savings, debts and other income and what I wanted to achieve in retirement. She outlined the six options available:

  • leave the fund untouched;
  • use all or part of it to buy an annuity;
  • take an adjustable income – which she said was called flexi-access drawdown – drawing up to 25% as a taxfree lump sum and leaving the rest to take as income when required;
  • take out cash in chunks, in which case 25% of each withdrawal would be tax-free;
  • take it all out in one go; or
  • a mixture of all five.

She then gave more detail of each option, starting with the third, adjustable income, and moving on to the fourth, taking cash in chunks. This was sensible, as they are the two most likely options for someone with a pot of my size.

 

Sally gave me basic tax advice, discussed whether I would like to leave some of my pot to my family when I die and how that would be taxed if I did so, depending on my age.

She also clarified for me that, although I have three pots, I could not cash in one of them and treat it as the 25% lump sum for the whole lot; the 25% limit applies to each of the three funds.

She asked basic health questions and pointed out that some annuity providers offer better terms for those with health problems (I was a smoker, though I gave up more than 20 years ago). And she warned of the risk of scammers and how to avoid them.

Sally advised checking with the providers that there were no guarantees I could lose if I took my pension early.

I am financially literate and know a considerable amount about pensions, but I believe that the interview would have been useful for those with less knowledge.

Sally was able to explain complicated terms and set out the options clearly. She also sent me a fairly generic follow-up report outlining the options we had discussed.

She then advised on the next step: to consult a financial adviser or to approach pension product providers directly to discuss my options in more detail. These next stages on my pension journey will be dealt with in future diary updates.

Things to do before you start planning a drawdown

Contact your employer or other pension manager

Ask for the following:

  • Confirmation that your pension pot is a money purchase or defined contribution scheme. Pension freedoms only apply to these types of schemes, not to final salary schemes, also known as defined benefit pensions. While the government’s reforms have allowed people with the former to transfer their funds to a money purchase scheme to take advantage of pension freedoms, this may not be in your best interests. You should always seek independent professional advice before making any such a move.
  • An up-to-date valuation of your fund. This is essential information for anyone advising on the options for taking your pension.
  • Clarification as to whether there are any guarantees or other special provisions attached to your pension, which you could lose if you retire before your due date.

Contact The Pension Service to get a forecast of your state pension

You may need less income from your private pension when you reach state pension age and receive your state pension, and you may also want to consider making additional‑national insurance‑contributions if you won’t meet the requirement of 35 qualifying years for a full state pension.

Draw up a retirement plan

This should include:

  • An analysis of your expected living expenses in retirement. Your monthly pension income will need to be large enough to cover these.
  • Any plans for one-off expenses on retirement – for example, to finance a holiday, a house refurbishment or a new car.
  • Based on the above, an assessment of whether you will want to take a lump sum from your pension and, if so, whether you will take the full 25% you are entitled to or a smaller amount.
  • Other income and assets – including, for example, individual savings accounts (Isas) and other savings, rental property, income from part-time work and a partner’s income or pension – which will help to finance your retirement.

Useful contacts

To check your state pension,‑apply online at Gov. uk/check-statepension ‑or call 0345 3000 168. PensionWise:

To book a face-to-face appointment at your local Citizens Advice Bureau or a telephone appointment, visit Pensionwise.gov. uk or call 0800 138 3944.

Heather Connon is a freelance financial journalist who writes for The Guardian, The Observer and The Independent. This article first appeared in our sister magazine, Money Observer.

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These Side Gigs Can Help You Make Money While You Work an Unpaid Internship

I had my fair share of internships back in the day (er, like, two years ago).

One was unpaid. Another was paid — but only after I worked 12 hours a week.

The final one paid minimum wage. That’s when I felt like I’d made it.

Each of these internships offered invaluable experiences, and I wouldn’t trade them — or the people I met and places I explored — for anything.

But it was darn difficult (impossible, actually) to make ends meet.

I know my experience isn’t unique.

So I’ve come up with a few creative summer jobs for college students struggling to get by as unpaid (or low-paid) interns.

Because hindsight is 20/20, right?

Do note these won’t supplement a normal, stable income, but they can help.

1. Drive With Uber

You might start by finding a part-time job, but that can get tricky when you’re a full-time intern. There’s no telling how long you’ll be stuck in the office.

Look into more flexible options — like driving with Uber. It’s helped these people make up to $450 a week, which can cover rent.

Plus, you get to set your own hours.

Another perk? It’s a great way to meet people if you’re in a new city (and a lot less awkward than sitting at a bar by yourself… not that I’d know anything about that…).

Want to give Uber a shot? You can sign up here.

2. Not So Into People? Deliver Food Instead

If you’re not so keen on, well, people, then consider signing up to deliver food with Uber Eats.

It’s recruiting drivers across the country. You’ll pick up food and drop it off to hungry patrons.

Just be sure to air out your car every now and then.

Eat up all the details about the delivery service here.

3. Earn Money Back Each Time You Go Out

You’re in college. You’re young. You probably enjoy an adult refreshment every now and then. I know that wasn’t just me…

If you’re meeting friends for happy hour — or even grabbing an after-work brew with your co-workers — be sure to take advantage of rebate apps like Ibotta.

For example, right now, when you scan your bar tab on Ibotta, you can earn $3 back on any appetizer. Anywhere.

If you want to forget the food, you can get $3 back on a pitcher or bucket of Bud Light. Again, anywhere.

Or order a New Belgium — any variety, anywhere — and score $1 back.

You can also pair Ibotta with other rebate apps like Swagbucks Local. This app rewards you in points for eating or drinking at certain restaurants, cafes or bars. Those points, in turn, can be exchanged for an Amazon gift card.

It’ll all add up quickly and will make you feel a little less guilty for having somewhat of a social life.

4. Scan Your Receipt After Each Grocery Store Run

Your best bet is to eat in most of the time — and pack your lunch for that internship.

But, even so, groceries add up fast.

Ibotta does more than score you cash back for alcohol (as mentioned above). It also helps you score big rebates on your groceries.

For example, this woman has earned nearly $230 back since she started using the app in 2013.

Plus, you can pair these rebates with coupons to see even more savings.

Oh, and you can snag a $10 bonus when you sign up through this link.

5. Sell Your Stray Belongings

I had to pack up and move for one of my internships. I was determined not to rent a truck, so I packed only the essentials in my small SUV.

The rest? I could have sold it, honestly. That’s what you should consider, too.

For clothes, try an online platform or app like Letgo. You can market your belongings to people in your area, so it’ll be easy to purge — with no shipping costs

For books, find the best going rate on BookScouter. Type in the book’s ISBN, and the site will tell you where you can get the best resale price.

For electronics, try Decluttr. You can sell the company your CDs, DVDs, games, phones, tablets, consoles… you name it. Shipping is free, and you’ll get cash directly deposited into your bank account.

6. Find a Work-From-Home Gig

There are so many ways to make money online these days, and many of these opportunities offer flexible schedules. That’s exactly what you need when you’re a busy intern.

NexRep offers a ton of flexible, work-from-home customer service gigs. Many of these opportunities are for weekend warriors or night owls, which is great if you have a 9-to-5 internship.

Click here to see if you qualify and want to search through opportunities with companies — including big names like GrubHub and Priceline.

Bonus: Here are 13 other online opportunities you can look into.

7. Try Mystery Shopping or Survey Sites

Mystery shopping isn’t going to add stacks of money to your bank account, but it’ll get you out and about — plus it offers pretty flexible hours.

If you want to give it a go, try QuickThoughts. This survey app tracks where you are and sends you on “secret missions.”

It’ll ask you to answer questions about places you’ve been recently: Was the bathroom in CVS clean? How was that McDonald’s location you stopped at for lunch?

If you want to learn more about QuickThoughts and all its paid opportunities, check it out here.

8. Do 10-Minute Car Inspections

Not too long ago, loyal Penny Hoarder Maryellen Honkomp contacted us about one of her favorite side gigs: performing car inspections through OnSource.

She says she can make up to $40 in less than 20 minutes. And no, you don’t need to have any prior knowledge about cars. You just need a phone that’ll take photos

Click here to learn more about Honkomp’s experience with OnSource and see if the gig is available in your area.

9. Set Up a Passive Income Stream

I always thought passive income was a somewhat intimidating term — like, oh, I need a ton of money for whatever that is.

But that’s not true.

Passive income can be a great way to make money without giving up your time. Sure, you’ll put in some upfront time and effort — maybe even a little money — but, if you do it right, it’ll pay off in the long run.

Here are 14 super easy ways to establish passive income.

Some perfect ones for busy interns? Selling photos, creating greeting cards, designing T-shirts, posting YouTube videos or earning cash back on credit cards.

10. Sell Your Gift Cards

Did Grandma get you another Starbucks gift card for your birthday this year?

Sure, it was very thoughtful, but $10 doesn’t go far at that coffee chain. Plus, you’d probably rather put that money toward, say, a giant bag of coffee that’ll last you a few weeks.

You can sell that gift card online — Grandma will never know. Try using one of these five sites to trade that piece of plastic for cash.

11. Watch Your Neighbors Kids or Pets

Petsitting helped me get through my first unpaid internship.

I’d stop by my professor’s house on the way to my internship and let her dogs out. I’d hang out with them for 30 minutes, catch up on some class reading, give them hugs and head out.

It was an easy — if not enjoyable — way to pocket an extra $36 a week.

Nowadays, finding these types of gigs is a lot easier than posting flyers around the neighborhood. Try using a free app like DogVacay or Wag!

Or, if you’re more interested in babysitting, ask around — or consider making a Care.com account.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She’d love to hear some other creative ways current summer interns are making money on the side!

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Six Free, Gripping Documentaries That Can Change How You Think About Money

The well-done documentary film is a singular, wonderful piece of art. A great documentary can inspire, expose, educate, elucidate – and sometimes, do all of those things of that at once. I think they work best when they tackle a complicated issue, make us question our preconceived notions, and teach us things along the way.

For many of us, nothing is more complicated than money. Should I dollar-cost average? How quickly should I pay down my debt, and which balances should I tackle first? Should I do a 15-year or a 30-year mortgage? The questions are endless. And while it’s worthwhile to get down and dirty with the minutia, it’s also important to step back from time to time and take in the whole picture.

These documentaries allow us to learn about money, personal finance, economics, and life from a bird’s eye view. Each offers actionable takeaways that can be applied to the everyday, but the viewer must draw those out from the larger tapestry. That process is both engaging and rewarding.

The following films address inequality, personal finance, entrepreneurship, overcoming financial setbacks, motivation, and more. The lessons are timeless, and the presentations are beautiful. These six documentaries will change the way you think about money.

‘Inside Job’

This 2010 five-part series won an Oscar, and for good reason. It expertly depicts how the 2008 U.S. financial crisis happened and who was responsible in an intimate, eye-opening fashion. It shows how the modern debt-based monetary system offers many benefits, but can come tumbling down fast in the face of ineptitude, corruption, and recklessness.

If this doesn’t make you want to assess your appetite for risky investments, you have a bolder constitution than me. It also makes you realize that there are more “black swans” looming on the horizon, and the best way to be prepared is to have an emergency fund and a rock steady plan.

‘The Ascent of Money’

This documentary accomplishes the tricky task of condensing 2,000 years of financial history in a concise and engaging fashion. I feel like I would have done myself a favor had I watched this documentary before going to college. That way, I would have had a better understanding of the role of money throughout history as I entered into my introductory economics courses. Plus, it’s downright fascinating. I never would have thought that a once small bond market in Renaissance-era Italy kicked off modern financing as we know it.

The film does a particularly good job of making the viewer understand that money is only as real as the agreements and laws that underpin it. If you want to make lasting change with regards to how the monetary system works, it’s going to have to start at a grassroots level.

‘Enron: The Smartest Guys in the Room’

This film is a fantastic complement to “Inside Job.” It details how Enron, one of the biggest energy companies of all time, turned out to be a built on a house of cards.

It’s riveting to watch the story develop, as it’s like a real-world “Breaking Bad.” The leaders of Enron start out with good intentions, but greed and overconfidence lead them down a dark road. One of the most shocking scenes is when the viewer hears real recordings of how Enron executives dealt with an energy crisis happening in California in the early 2000s. They not only cheer the rolling blackouts that are occurring, but they jack up their energy prices in a way that can only be seen as ruthless extortion.

When I watch it, I see parallels to the worst aspects of the financial services industry. If you’re not careful with who you trust, you might end up with someone who does unethical, dangerous, and ultimately tragic things with your hard-earned money. The Enron executives were widely believed to be brilliant people, but looks can be deceiving.

‘Broke’

Many of us believe that if we were to suddenly come into millions of dollars, we’d finally be happy and content. It would be even better if we got that money as a reward for working on something we love.

Yet, that’s what happens to thousands of professional athletes every year. What happens after these cash windfalls can be sobering.

“Broke” shows how formerly rich athletes lost their fortunes. Sometimes they go broke because of faults of their own, but just as often it’s due to predatory “friends” or incompetent financial advisors. It reveals in gripping fashion how the people you surround yourself with are crucial to your future financial success.

A boatload of money won’t necessarily set you up for life. Without prudence and solid money management skills, there’s no sum that can’t be squandered.

‘Jiro Dreams of Sushi’

This film that doesn’t directly deal with finances, but if you look beneath the surface, valuable business and life lessons emerge. It tells the story of how 85-year-old Jiro Ono operates his critically-acclaimed, Michelin three-star sushi restaurant. The restaurant is not in a fancy French hotel and it wasn’t born out of millions of dollars of funding. It is tucked away in a dim, underground Tokyo subway station. Yet, visitors flock in from all over the world and there is a years-long wait list for a seat. The question is, how did little old Jiro do this?

The amazing revelation is that there is no “secret sauce,” no magic formula, no shortcut to success. Jiro is just a regular guy who found his passion and worked at it as hard as he could. He faced setback after setback over the course of his career, but he stayed true to his passion and trusted that with enough preparation and focus he could overcome anything. He didn’t focus on accolades, but rather on working as hard as he could to find the best ingredients and prepare them in the best way he knew how.

In the end, you see that trial-and-error was his “secret sauce”. He got better and better at making sushi as the years went on, and ultimately word of his mastery spread. It’s an inspirational look at just how far you can get with perseverance and single-minded focus.

‘Maxed Out’

It’s a problem all too familiar to millions of Americans – bills are piling up, money is running low, and you’re behind on your credit card payments. The credit card interest rates are onerous, and your debt is growing faster than your income. It’s a sad and frustrating position to be in. How did it happen? That’s the question ‘Maxed Out’ tries to answer.

The film explores our credit card-obsessed culture not by demonizing those that overspend, but by showing how several different factors make credit card use very hard to resist. It shines in its ability to evoke emotions by showing just how powerfully real people are affected by credit card problems.

Predatory lending practices are examined, as well as how the laws are written to benefit credit card issuers as opposed to the regular folks who are affected by their unethical business practices.

The film makes you realize that, yes, banks and lawyers are going to act in their own best interest, but also that each of us has to take more personal responsibility for our actions. Ultimately, you sign the agreements, and we need to be better at assessing what we really need and what the best methods are for funding our lives.

Summing Up

While documentaries can never replace textbooks, they are very useful tools for visual learners. These films can serve as a useful jumping-off point toward learning how to be wiser with your money. Coupled with some great books on the topic, anyone can use them to become more informed consumer, a better investor, and a stronger entrepreneur.

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