Thousands of courses for $10 728x90

الجمعة، 28 يوليو 2017

Wells Fargo Charged Customers $73M for Car Insurance They Didn’t Need

After an announcement that probably surprised no one at all, Wells Fargo scrapped a business practice that charged auto loan customers for collision insurance they didn’t need.

This policy affected 800,000 customers, sent 274,000 of them into delinquency and led to 25,000 unnecessary auto repossessions, according to a report requested by bank executives obtained by The New York Times.

According to the report, Wells Fargo should have notified customers before charging them for the insurance, but that didn’t happen. Once customers noticed the charges and proved they had other insurance, Wells Fargo should have reversed the past charges and stopped any future payments.

But complaints filed with the Consumer Financial Protection Bureau showed that some customers continued to be charged even after notifying Wells Fargo of the mistake, The New York Times said.

These insurance policies could cause borrowers’ monthly payments to increase significantly without warning. For those who had their payments set to draft automatically, this unexpected increase could cause an overdraft and additional fees, potentially resulting in other financial issues.   

Wells Fargo estimates this added insurance cost customers $73 million, but the bank is “determined to make customers whole.” The New York Times did not detail how the bank plans to do that.

Although Wells Fargo spokeswoman Jennifer A. Temple disputed some of the bank’s own numbers, she said the bank takes “full responsibility for these errors.”

The practice started as early as 2006 and ran through the end of September 2016.

Wells Fargo Is Having a Very Rough Year

Earlier this year, Well Fargo agreed to pay a $110 million settlement after a class-action lawsuit.

The lawsuit came after bank employees, following directives that went all the way up to the CEO, opened multiple unauthorized accounts in customers’ names.

This scandal led to the removal of Wells Fargo CEO John Strumpf and the firing of 5,300 employees.

Wells Fargo is also accused of making improper changes to the terms of home loan agreements of customers who were in bankruptcy. The bank denies this accusation.

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.



source The Penny Hoarder http://ift.tt/2u6qxie

This $10 Drugstore Lipstick Will Make You Forget Pricy Kylie Jenner Kits

Cheesecake Factory Is Doubling Up With 50% Off Slices Sunday AND Monday

“It was cheesecake. It was fine. It had a buttery, crumbly, graham cracker crust, with a very rich yet light, cream cheese filling… Wow! My whole mouth just filled with saliva!” —  Rachel Green on “Friends: The One with All the Cheesecakes”

It’s thick. It’s rich. And frankly, it’s amazing!

There are two kinds of people in this world: those who love cheesecake and weirdos.

For the first group, the next couple of days could be magical. To honor National Cheesecake Day, everyone’s favorite purveyor of this decadent dessert, The Cheesecake Factory, will offer half-priced cheesecake slices on July 30 and July 31! That second day of half-priced cheesecake is just the whipped cream on top.

Standard menu pricing for a slice of cheesecake at The Cheesecake Factory is $8, which may seem pretty steep before you taste it. But the slices are huge, and their flavor combinations are a steal at $4.

The offer is good for one slice per guest and dine-in only. But before you groan at the rules, check this out: I called my local Cheesecake Factory to ask about the rules, and learned you don’t even have to order a meal. You can stop in just to have dessert!

Want to indulge on both Sunday and Monday? Go for it!

Though you don’t have to order a meal, I do recommend a nice glass of wine to pair with the cheesecake. It’s OK. You deserve it.

Think of the possibilities. You could go classic with a slice of original cheesecake. You could feed your chocolate cravings with the Godiva chocolate cheesecake. You can even go guilt-free with a slice of low-carb original or low-carb original with strawberries. You have over 35 options to choose from on its tantalizing cheesecake menu.

Call your friends, make a date with your spouse or significant other, or just treat yourself to a solo date. It’s a treat we all deserve.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth or snarfing down a slice of cheesecake around Tampa, Florida, this weekend!

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.



source The Penny Hoarder http://ift.tt/2vfacgn

65K Defrauded Students Wait as DOE Swears It’ll Get to Their Claims Someday

More than 65,000 students who were allegedly defrauded by for-profit schools are still uncertain about the fate of their student loans, according to a new letter from James Manning, the U.S. Department of Education’s acting under secretary.

The letter was sent to Sen. Richard J. Durbin, an Illinois Democrat, who inquired about the status of borrower defense applications in May.

Under the borrower defense statute, students who took out loans to attend for-profit schools that used deceptive marketing are eligible to have their loans discharged. The statute has been instrumental in getting loans forgiven for those who attended defunct for-profit schools, such as ITT Tech, Corinthian and DeVry University.

Student Loan Discharge: A Waiting Game

According to The Washington Post, the DOE hasn’t approved a single application since President Donald Trump’s inauguration Jan. 20, 2017, leaving 65,169 borrowers unclear about their options for repayment or forgiveness.

While most of the applications were submitted during the Obama administration, the letter says 14,949 borrowers have submitted applications since President Trump’s inauguration.

Department of Education spokesperson Liz Hill gave no definitive timeline for when the applications will be addressed, but she said the department will come up with a process “in the coming months” to sort through them, according to the Post.

Forbearance periods, during which borrowers have the option to skip payments while interest accumulates, have expired for fewer than 50 borrowers, according to the letter. About 31,000 additional borrowers are at risk of having their forbearance periods expire if their claims aren’t processed within the next six months, although the letter explains that there’s a process to extend forbearance while the DOE reviews a claim.

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.



source The Penny Hoarder http://ift.tt/2eUeFxM

We’ve Got Fabulous News for Anyone Who Misses the McDonald’s Dollar Menu

Admit it: You get a little giddy when you see those golden arches.

And whether or not they’ll admit it, McDonald’s execs know why you love the brand: It’s tasty and affordable.

McDonald’s sales have surged in recent months thanks to its all-day breakfast and lineup of creative burgers, like the Signature Sriracha Artisan Chicken Sandwich and the Pico Guacamole Burger, but it’s the fast-food joint’s $1 soda and coffee offers that are really a hit.

While its executives have said that McDonald’s isn’t focusing on having the lowest fast-food prices, the chain reportedly has a new value menu in the works, according to Buzzfeed.

What Will the New McDonald’s Value Menu Include?

McPick deals have been out there for a while, but the fast-food chain hasn’t had a standard, across-the-board value menu in a few years.

We don’t know just yet what would be included on this rumored new menu, but for those of us who think back fondly on the dollar menu of days gone by, there’s optimism that we’ll see some great burger and food deals that’ll make us giggle like the Hamburglar.

Buzzfeed writes that a report predicts the new value menu launch will occur late this year or in early 2018. The new menu will zero in on food offerings in the $1, $2 and $3 price points. Ah… back to the bargains!

While you may not love your Big Macs as much as Wisconsin native Dan Gorske, you know you occasionally crave what Ronald McDonald is cooking. The new value menu would give millions of McDonald’s fans a new reason to swing by and grab their favorites.

If you happen to bump into Grimace, thank him for changing his ways. (He used to be Evil Grimace. True story!)  

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

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.



source The Penny Hoarder http://ift.tt/2vQYYeQ

Donate a Case of Water to First Responders and Get a Free Firehouse Sub

Growing up in Florida means you have to decide pretty early where your sub-eating loyalties lie.

Obviously, the Publix sub wins every time. But personally, I think the Firehouse Subs Italian sub is a close second behind the chicken tender Pub sub.

Soon, a good deed will score you your own Firehouse sub — Italian or otherwise.

Want a Free Firehouse Sub? Here’s What to Do

Anyone who donates a 24-pack of bottled water to their local Firehouse Subs on Saturday, Aug. 5 will get a free medium sub of their choice. The freebie is part of the the sandwich chain’s H2O for Heroes promotion.

The cases of water will be donated to first responders and community groups in your area so they can have it on hand should an emergency strike.

Water can get pricy, but your good deed doesn’t have to cost you big. We’ve got a Penny Hoarder pro tip: Buy your 24-pack of water from Aldi for as little as $1.99, and celebrate your savvy saving with your free sandwich.

Head over to Firehouse’s website to read more about the deal and find the location closest to you.

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.



source The Penny Hoarder http://ift.tt/2vQlswJ

M.A.C. Is Giving Away Free Lipstick on Saturday, and We’re All Freaking Out

What emoji should I use for this announcement? The red siren? The Edvard Munch-esque scream face?

Maybe just the lipstick smooch. 

This is not a drill, makeup fans. This is worthy of an emoji storm. This is a free lipstick giveaway from M.A.C.

M.A.C. Lipstick Is Free Because it’s National Lipstick Day

Saturday, July 29 is National Lipstick Day, and M.A.C. is celebrating by giving away free full-size tubes of its iconic lip colors.

You’ll have to choose from a special selection of shades, but rest assured this is a no-strings-attached, 100% free chance to snag M.A.C. lipstick worth $17.

M.A.C.’s press team advises fans to get there early July 29 to get their freebies. It’s up to you to hustle over to to your nearest M.A.C. purveyor in the U.S. on Saturday before supplies run out.

Don’t have a M.A.C. storefront near you? The offer is good at any M.A.C. retailer, including Ulta and department stores. Call your local store to make sure it’s participating and confirm store hours.

Lisa Rowan is a writer and producer at The Penny Hoarder. She knows she can’t walk into a M.A.C. store “just to look.” Can’t be trusted.



source The Penny Hoarder http://ift.tt/2uJcpgF

Flea Market Gold: How I Made $9,000 Sorting Through Costume Jewelry

Have you ever wondered how “American Pickers” and pawn shops make their money? They buy and sell gold!

And it’s not just TV “magic.” I made $9,000 in profit last summer buying gold at flea markets and selling it to a jeweler. Here’s how I did it, and how you can do the same.

How I Started Buying and Selling Gold

Last summer, I bought a junk box from a flea market. Inside was a bag of costume jewelry with six gold rings mixed in.

I Googled three local jewelers in my area, picked the jeweler with the best online reviews and visited him. He made me an offer for the rings, and I took it.

When I told him how I found them, he said, “People throw away gold all the time.”

The jeweler then told me he would pay 80% of the melt weight of any more gold I brought to him. So, if I brought him $100 in gold, he’d give me $80 cash.

Over the next few months, he paid me $14,000 cash. After subtracting the cost of buying the gold items, I was left with about $9,000 in profit. Not too shabby!

Here’s how to try it for yourself.

How to Find Gold at Flea Markets

Look up your local flea markets by Googling “[your city] + flea markets.”

Make sure there are at least 60 or more vendors. Avoid small markets -- they’re often more social meetings than markets.

Go to the market first thing in the morning. The crowds show up before and after lunch, so going early guarantees you’ll have time and space to search (and haggle), and find your items before anyone else does.

The key is to profit from vendor laziness. Flea market vendors sell hundreds of pounds of stock; they don’t have time to go through bags of costume jewelry. But you do.

How Do I Know if My Gold is Real?

The first thing you need to know is how to identify whether or not something is gold.

Look for “10k” and “14k” markings. Avoid items marked HGP, HGE, GR or EP -- this means the gold is plate. Plate gold isn’t pure, and purity is what pays.

You can purchase gold testing kits and watch gold testing tutorials on YouTube, but here’s my professional secret:

I don’t test the gold.

Why? Two reasons.

First, I only buy clearly marked gold. If the gold has unusual markings, I avoid it.

Second, I buy real gold mixed in bags of costume jewelry. If the gold is fake, I’ve only spent $2-$10 on the bag, which makes it easy to absorb the loss.

If you want a quick way to test the gold before you buy it, bring a magnet with you. Hold the magnet next to the item; if it reacts, then it’s not gold.

What Is Gold Worth?

Your gold’s value is based on its composition -- how much gold is in your item.

  • 10-karat gold is 41.7% actual gold, so it’s worth 41.7% of gold’s melt weight
  • 14-karat gold is 58.3% actual gold, so it’s worth 58.3% of gold’s melt weight

To find the current value of one ounce of gold, use a tool like Kitco. Take that number and multiply it by your item’s purity.

For example, as I write this post, gold is worth $1,254.60 an ounce. If your items are 14-karat gold, multiply $1,183.50 by 0.583 (58.3%, the purity of 14-karat gold) to get $731.43 -- the value of an ounce of 14-karat gold.

Divide this number by 28.3495231 to get the gold’s value per gram, the way most jewelers will measure it. Your 14-karat gold is worth $25.80 per gram.

So a 14k gold ring that weighs 5 grams holds $129 worth of gold.

Gold buyers notoriously underpay, so avoid them. Find a local jewelry store or gold shop for a better rate.

In my experience, if you have $100 in gold jewelry or coins, gold shops will pay you between $70 and $75.

Will You Start Buying Gold at Flea Markets?

Every trip is different. I’ve had weekends where I make $1,000, and weekends where I make nothing. Generally, I go through six medium bags of jewelry before I find gold.

Take your time. Don’t get overwhelmed. All you need to do is find two gold rings or a pair of gold earrings, and you’re making money.

Focus on buying earrings and rings. Necklaces are easy to counterfeit and are often gold plate.

Don’t be afraid to walk away from deals. Don’t buy something just because it seems like a good deal. If something seems too good to be true, it usually is.

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

Jesse Gernigin helps people make money and increase their income. Jesse is an author, entrepreneur and success coach. His latest gig is as the head writer of www.livegoldrich.com where he shares how to make more money, travel for cheap and live the life you want.



source The Penny Hoarder http://ift.tt/2v6Bm89

People Supposedly Quit These Jobs Most. Did Yours Make the List?

After burning through dozens of jobs in my life, I consider myself a job-quitting expert.

I’ve written about how to make more money at work and what to do before you decide to quit, but my favorite is how to quit your job.

So when I saw a WiseBread article titled “The 4 Jobs People Quit the Most,” I was curious.

Here’s its list:

  1. Most jobs at Amazon
  2. Jobs in the life insurance industry
  3. Registered Nurses (RNs)
  4. Jobs in the leisure and hospitality industry

How Bad Are These Jobs?

An Amazon worker told the New York Times employees regularly cry at their desks because of the stress.

Selling life insurance, like other commission-based jobs, can be tough.

Nurses face long hours and stressful situations.

And jobs in the leisure and hospitality industry often come with low wages.

But if you work in any of these fields, don’t put in your two-week notice just yet: The data doesn’t really back up the “quit the most” claim.

The first two jobs were plucked from a PayScale.com list of “most and least loyal employees” based on “median employee tenure.” Amazon’s is one year, making it number 464 out of 466 companies. Several insurance companies also show up near the bottom of the list.

But is that a fair measurement of how often employees quit, of “loyalty” or of how bad a job is?

After all, if a company with amazing jobs had launched six months before the survey and hired 1,000 employees, it would be at the bottom of the list due to its median employee tenure.

A more relevant example: Amazon hired 120,000 employees for the holiday season, which shortened its median employee tenure in a major way.

Some companies routinely hire temporary workers and then lay them off. It’s not about “quitting,” nor does it say much about loyalty or work conditions.

And consider this interesting fact: Eastman Kodak tops the loyalty list (median employee tenure of 20 years) but only 45% of its employees report high job satisfaction.

Meanwhile, Amazon and many others near the bottom of the list get high job satisfaction ratings from more than 70% of employees.

Clearly, data can tell a lot of different stories. The high turnover rate for nurses probably is due to stress and working conditions, but the list doesn’t address how or why.

And those leisure and hospitality industry jobs may be staffed largely by young workers who quit even good jobs more often — or work temporarily while they’re in school.

Which Jobs Are Really the Worst?

Which jobs are so bad you should quit, or never consider in the first place?

You can’t always trust lists and ratings, and any company can get bad reviews.

Consider Amazon, which has a bad reputation and a poor showing on the “employee loyalty” list. But Leena Rao’s investigation turned up many workers who loved their jobs, despite the high-pressure atmosphere.

If you’ve ever had a job you hated, you can probably recall a few employees who loved the work and the workplace. And if you’ve ever had a job you really loved, someone else probably hated it.

How you feel about your job is personal.

For example, if you hate stressful work, like I do, you’ll probably want to avoid the careers on this list of the most stressful jobs.

This post on the lowest paying jobs also has some positions you may want to avoid, like day laborer and fast food worker. Of course, the former may give you experience you need for a better job — and the latter can offer fast advancement.

Then there’s our list of careers with the highest divorce rates. If you have one of those jobs, your spouse might want you to quit.

If you have a hard time dealing with supervisors, you should probably avoid working for anyone on the New York Post’s list of the “worst bosses of all time.”

Theater and film producer Scott Rudin apparently screams at and throws things at employees, while Dish Network co-founder Charlie Ergen is said to have created a “culture of horror.”

Finally, there are the truly dirty jobs. No matter how excellent your employer, you might consider quitting if you work as a sheep castrator or septic tank cleaner. But then again, you might love that work.

Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. He’s been a repo-man, walking stick carver, search engine evaluator, house flipper, tram driver, process server, mock juror, and roulette croupier, but of more than 100 ways he has made money, writing is his favorite (so far).

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.



source The Penny Hoarder http://ift.tt/2v427ue

Bearing the Burden Today

Over the last month, I’ve had the great opportunity to spend a lot of time with many relatives and friends older than myself. Some are retired already. Others are close to retirement. Still others are at all sorts of various points on their financial journey, from a person facing an unexpected unemployment and career change to another person trying to continue to do a physical job with a damaged body.

Throughout all of these stories and throughout all of these lives, I couldn’t help but notice one consistent thread: sometimes life goes really well, and at other times life throws you curveballs when you don’t quite expect them. A person who has been really successful for years might suddenly find themselves jobless. Someone who has been doing a hard physical job for a long time might find their body no longer cooperating like it used to. Someone may find that their skill set is no longer needed in their field.

It happens. It will probably happen to you at some point.

What makes it even more challenging is that, when such events happen to you later on in your life, you’re often not as prepared to handle them. You simply don’t have the raw mental or physical stamina you once had. You may have life commitments that you didn’t have at an earlier stage in your life, like an ailing parent or a vital community leadership position or a marriage. When disaster strikes, it can be far harder to pivot later in life than it is earlier in life.

My takeaway? I need to bear the burden today.

Right now, my life is pretty good overall. My family is all reasonably healthy (there are some minor health issues that I don’t discuss on here, but they’re being managed well). My wife has a very stable job, and I seem to have some professional stability, too. We have some money in the bank. We own our house. My work commitments give me some pretty nice time flexibility. We’re both still relatively young, too.

Right now is the perfect time for me to step up and bear some of the burden for that point later in life where things aren’t as good. When my work situation changes, or my wife’s situation changes. When someone falls ill. When I get older and my mental or physical stamina starts to slip. When my parents or my wife’s parents begin to really struggle and need our help.

What can I do?

I can put aside some of my work now for a future when I can’t work. On a good writing day, I strive to set aside an article for the future for when I won’t be able to work. While not every job enables that kind of flexibility, you can still find ways to go far beyond the minimum today so that the people around you give you some leeway when you’re not able to perform as well. Be open about it – you’re putting in extra effort now to earn yourself some breathing room when you’re not able to keep up later on.

I can take on more work to build more income streams. If you have consistent spare time in your life – or when you ever feel that sense of boredom – you’re in a situation where you have time to invest in things like building a side business or taking a part time job or building an income stream by writing a book or making websites or creating a series of Youtube videos.

I can invest time and energy to live much more cheaply now and sock away the difference. I can make my own meals instead of eating takeout. I can clean my own house instead of hiring a maid. I can do my own laundry instead of using a laundry service. I can fertilize my own yard instead of hiring a lawn care service. I can grow my own food instead of turning to the produce section for every need. I can put aside my own food for the winter. I can make many of my own household supplies. Why? I have the time and energy to do so now, so why not do it?

I can resist the temptation to dive into expensive luxuries when they’re really not needed. I have willpower, which means I can resist putting the money I earn into temptations that I don’t need. Instead, I can enjoy the many simple pleasures of life: reading a book from the library, going on a hike in the woods, learning something new, playing a board game with my wife and children, going to community events, and so on. Those things don’t require a huge outlay of money.

I can build things that will save me money over the long term, reducing my monthly living costs by exerting extra effort now. I can do things like install some additional insulation or make cloth napkins or make a giant batch of homemade laundry detergent, projects that will save money over the long haul but require time and energy investment now. Those things are a wonderful way to “bear the burden” today so that things become easier later on, as projects like these tend to slowly spool out the savings over months endears.

I can raise my children to the best of my ability so that they will be strong and independent later (or have a better chance of being independent, at least). Investing extra time and energy into cultivating children with a growth mindset and characteristics of self-sufficiency and independence might be an extra burden today, but it’s a burden that pays off enormously later in life.

I can strengthen my marriage now so that it remains strong during times of trial. Similarly, investing time and energy into my marriage right now means that it is strong at later times when our marriage runs through a difficult challenge, as all marriages do at one time or another.

I can give to others now in building strong relationships so that I can rely on them a little when things aren’t going so well. Just as one invests in one’s children and one’s marriage with time and effort, one can invest in one’s social network with time and effort, too. Doing so gives you a larger and stronger set of social connections, which can really come in handy when life goes in an unexpected direction. Invest in your friendships and professional relationships now so that they’re strong when you need them later.

In short, I can bear extra burden now when I am strong and the path is flat, so that I don’t have to bear as much later on when I am not as strong and the path is uneven. I can do that with every single financial and professional and personal choice I make. I can put in the time and energy to build career stability and build a healthy bank account and build a strong social network and build a low cost lifestyle, all of which will really come in handy when I’m not as strong.

What I have right now is physical and mental health and energy, something I may not have in the future, as well as a fairly stable life. That enables me to bear some real burdens. It’s time for me to bear a little more burden today so that I don’t have to endure misery tomorrow.

Does this mean that life is joyless today, pushed down a life of burden, carrying the weight of both today and tomorrow in an endless trek? Absolutely not. The truth is that there are limits to how much you can bear at any time and learning how to recognize those limits – and how to maximize them by supporting them with adequate rest, good nutrition, exercise, and healthy amounts of leisure and self-care time – is vital to modern life. An overworked life is actually far less productive and beneficial than a well-considered life that includes a healthy workload balanced with other elements of a healthy life. Overburdening yourself is never the answer – finding that maximum peak is always the right answer. If you feel overburdened at any point in life, it’s time to step back a little and find that optimal point.

In the end, today is the day to step up to that challenge. Right now, you’re as young as you’ll ever be, likely with more natural ability to focus and work than you’ll ever have again. Use it. Don’t let it go to waste. There will come a day when you’re not able to bear as much, and by bearing it today when you’re strong, you’ll ensure that you’re still able to walk upright with pride later on when you’re not as strong.

Good luck.

The post Bearing the Burden Today appeared first on The Simple Dollar.



Source The Simple Dollar http://ift.tt/2u5kjza

6 Places to Score Cheap Eats on National Chicken Wing Day

Few foods are as mighty, messy and marvelous as the simple chicken wing.

You can have ‘em traditional-style with Buffalo sauce or dress them up in sweet Thai chili. You can go as hot as possible or have them mild, because that’s just what you feel like today — no judgments!

They’re even good plain, or “naked,” as you’ll see them scandalously advertised on some menus.

So we weren’t surprised to learn there’s a whole day devoted to the simple, incomparable goodness of chicken wings. Saturday, July 29 is National Chicken Wing Day, and we found the best spots for you to get your fix on the cheap.

National Chicken Wing Day 2017: 6 Places to Get Great Deals on Wings

Done reading and ready to eat already? Here’s where to head for bargain Buffalo wings — or any other kind you like.

Buffalo Wild Wings

Your go-to for a college-y feel with ample, sports-filled TV screens, Buffalo Wild Wings will be offering boneless wings plus fries starting at $9.99, and traditional wings plus fries starting at $12.99. This offer will be valid at participating locations while supplies last, so be sure to check with your nearest location before you head out to get your wing on.

East Coast Wings

Although you’ll have to pay for the wings you eat this Saturday at East Coast Wings, you’ll receive a coupon for five free wings on your next visit.

Which means… more wings. Soon. Yes, please.

Hooter’s

It’s not completely free, but Hooters will offer 10 free smoked wings with the purchase of any 10 wings.

This BOGO deal not only gives you some variety, but you can also feel less guilty about chowing down on 20 wings — the smoked variety has just half the calories of Hooters original-style wings.

Hurricane Grill & Wings

This popular wing joint will offer a few deals for National Chicken Wing Day. Visit Hurricane Grill & Wings this Saturday to enjoy $1 wings all day in bundles of five, 10, 15 or 20. Plus, you can wash them all down with a free domestic draft beer or soda when you spend $20 or more on wings.

There’s your good excuse to eat 20 wings — as if you needed one.

The WingHouse Bar & Grill

This Florida-based wing restaurant will give you five free wings when you purchase an order of 10. WingHouse restaurants have 22 sauces to choose from, so you’re sure to find something to suit your tastes this Saturday.

Wingstop

Select Wingstop locations will offer five free boneless wings with any wing purchase on Saturday from 11 a.m. to 5 p.m. local time. Make sure to call your nearest Wingstop location to confirm the deal is available and what time it will run.

If the deal is on, then get ready to choose from 11 different flavors, including Original Hot, Atomic, Mild, Cajun, Teriyaki, Hawaiian, Lemon Pepper, Garlic Parmesan, Louisiana Rub, Mango Habanero and Hickory Smoked BBQ. Oh boy, how will you choose?

No matter where you go — or even if you just stay home with your very own grill — enjoy National Chicken Wing Day!

I know I will.

Jamie Cattanach is a contributor to The Penny Hoarder and chicken wing enthusiast. Footy’s sauce is still the best, and no one beats her mom on the grill.

Jessica Gray, editorial assistant at The Penny Hoarder, contributed to this post and is taking bets on how many chicken wings she can eat this weekend.

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.



source The Penny Hoarder http://ift.tt/2tQ0G2Y

Should You Be Worried About The Next Google Algorithm Change?

“Everything changes and nothing stands still.”

In this quote, Heraclitus of Ephesus was referring to life and the fundamental order of the cosmos.

But he might as well be referring to Google’s chronic algorithm updates, even if he was a few centuries early.

See, Google makes roughly 500 – 600 changes each year.

Some are major, some are minor.

Some are confirmed, some are unconfirmed.

But Google is cranking them out left and right.

Even on the low end of 500 changes each year, this means 1.36 changes occur every single day.

Google is basically tweaking its algorithm all the time.

Here’s a chart that highlights some of the more serious changes of the past six years:

SEO Tools to Check Google Algorithm Updates and Changes

Of course, only a fraction of algorithm changes create any real stir.

Most of you don’t even know they happen.

But this constant flux is enough to put a lot of marketers on edge.

Even if you reach a top ranking position for a great keyword, there’s no guarantee you’ll stay there.

A single update could send you plummeting into no man’s land.

I understand this can be a little unnerving.

But is this fear really justified?

Should you be worried about the next Google algorithm change?

In this post, I offer my input on this topic and explain how you can protect your site from incurring Google’s wrath.

The frequency of major updates

Okay, so we’ve established that Google is constantly making adjustments.

It’s how it continues to dominate the search engine market:

Search engines by market share

If it remained stagnant, a competitor would inevitably overtake it.

But what we really need to know is just how many updates are major.

By major I mean resulting in a serious shakeup where hundreds of thousands, or even millions, of sites are affected.

According to Link Assistant, there have been nine major updates since 2011.

They are as follows:

  1. Panda – 2/24/11
  2. Penguin – 4/24/12
  3. Pirate – 8/12
  4. Hummingbird – 8/22/13
  5. Pigeon – 7/24/14
  6. Mobile-Friendly Update – 4/21/15
  7. RankBrain – 10/26/15
  8. Possum – 9/1/16
  9. Fred – 3/8/17

That means we’ve had 1.5 major updates per year in the last six years.

This isn’t to say minor updates can’t or won’t impact you, but there are only about 1.5 a year that are cause for any real concern.

Average traffic that comes from Google

Kissmetrics performed a study on over 18,000 small to medium e-commerce sites.

They found that “30.5 percent of all traffic was coming from organic searches on Google, Bing, Yahoo and other search engines.”

Considering that Google has 77.43% of the search market, this means that roughly 23.6% of small to medium e-commerce sites’ traffic comes from Google.

v YdvKQIRUqFg5B76hstIQ

In other words, just under a quarter of all traffic comes from Google.

I would say that’s significant.

Of course, this isn’t true for every website.

But this is what you can expect on average.

Should you worry?

Now we know the frequency of major updates and how much traffic Google sends to the average website.

But is this cause for alarm?

If Google decides to unleash a major update and you get penalized, would it put you in a full-on crisis situation?

Well, it depends.

The way I look at, there are three different factors you need to examine to determine your risk level.

Factor #1 – Your Google traffic

If your site is an outlier, where you get only a small percentage of your traffic from Google (say less than 10%), even the most brutal of algorithm changes shouldn’t have a major impact.

But if Google is your bread and butter, and you count on it to consistently send highly-qualified leads to your site, you could definitely be in trouble if you’re adversely hit with a big update.

This could send your traffic volume and sales plummeting.

It could look something like this:

9CZkPVaET2mJejDP9NyUaQ

Not good.

Factor #2 – User experience

At the end of the day, Google is interested in one thing: providing its users with the best experience possible.

If your website delivers a great user experience, you should be in pretty good shape.

No matter what Google throws at you, there should be a level of stability, and it’s unlikely that your rankings will see a dramatic drop.

Now, I realize that delivering “a great user experience “ is a wide umbrella open to plenty of interpretation.

But here are a few key elements that heavily contribute to it.

As we all know, Matt Cutts loves great content.

what kind of music do you like

This should be your top priority over anything else.

You also don’t want to have any spammy or manipulative links or barrage visitors with obnoxious ads.

Next, there’s functionality, which includes:

  • fast-loading pages
  • mobile-friendliness
  • intuitive navigation
  • clean interface
  • no disruptive popups

Factor #3 – “Schemey” SEO practices

It seems there’s always some “latest and greatest” SEO strategy popping up.

The promise is if you do X, you’ll be able to capitalize on some loophole and see a huge spike in your rankings.

While this approach may pay off initially, it often ends up hurting you in the long run.

I’m a firm believer in the “big picture SEO,” where you focus on the quality, user experience and fundamental SEO best practices rather than trying to game the system.

If you’re doing anything bordering on black-hat or even grey-hat SEO, it’s probably going to come back to haunt you.

black hat seo strategies

But if you keep your nose clean and maintain your integrity, you should be good to go.

How to protect yourself

Here’s the deal.

The next big Google algorithm change is imminent.

It’s going to happen.

It’s not a matter of if but when.

So you need to make sure your site is protected when the next major update inevitably rolls out.

But how do you do this?

Well, you can never completely predict what Google’s going to do next (they’re about as secretive as the CIA), but there are several measures you can take to prevent unnecessary penalties.

Here’s what I suggest.

Diversify your traffic sources

First, don’t put all your eggs in one basket.

Digital marketing has evolved to a point where you now have a buffet of options to choose from.

Organic search traffic is huge, but there are plenty of other ways to generate high-quality traffic that’s primed to convert.

Here are just a few ideas:

  • guest-posting
  • social media
  • videos
  • slideshows
  • podcasts
  • Quora
  • influencer marketing
  • email newsletters
  • PPC

Monitor your link profile

The links pointing to your site can make or break you.

Recent research suggests that “high-quality backlinks account for 30% of your overall page score in Google.”

ranking factors

I can’t stress enough how important it is to keep tabs on which sites are linking to you.

Low quality, irrelevant or spammy sites can be the kiss of death.

One tool you can use to see who’s linking to you is SEMrush.

Just enter your site’s URL in the search bar:

Ttc u4WvT7WptuPHTAEnCQ

Then click “Start now:”

4Re85OzPQdyiG0YstppN2A

Scroll down to the “Backlinks” section:

xiDMGOahTzOK8DWbOpglFQ

Click on “View full report” for more details:

e6M4AAWCSc6Jq6qtauTApw

You’ll then get a list that looks like this:

bF5P4L3sTG6zfhQscji5Sw

From there, you’ll want to browse through the list and check for anything questionable.

You can also use the Google Search Console for checking links, which you can learn about in this post.

If you need to eliminate any links, use the Google disavow tool. Learn more about the process of disavowing links here.

Create “future proof” content

Like I mentioned before, epic content is what Google is looking for when determining rankings.

If you can provide it, you’ll have a buffer against the impact of the next big algorithm change.

I realize this is easier said than done, but check out this post for 14 examples of truly epic content.

The basic recipe I use consists of the following:

  • long-form content (at least 1,500 words)
  • plenty of visuals
  • plenty of data
  • references to authoritative resources.

As long as your content hits its mark, there’s no need to live in perpetual anxiety of the next algorithm update.

For more on how to protect your site from Google penalties, I suggest reading this post from NeilPatel.com.

Conclusion

With so many brands heavily depending on Google for their traffic and ultimately sales, I see why so many people worry about algorithm changes.

The idea of your sales tanking because of an update is scary.

If you’re implementing the wrong approach and tactics, you’re putting yourself at risk, and there’s a strong likelihood your rankings will suffer at some point.

But if you understand Google’s logic and follow SEO best practices, there’s no reason to worry.

Sure, algorithm changes will come.

But you’ll be ready for them.

This way, you can keep things flowing and maintain a steady volume of traffic with minimal disruption.

What’s your experience with algorithm updates in the past? What do you do about algo updates now?



Source Quick Sprout http://ift.tt/2tPHFgQ

This is Exactly What to Do If You Find a Mistake on Your Credit Report

Fun fact: In 2016, the No. 1 complaint submitted to the Consumer Financial Protection Bureau (CFPB) pertained to credit reporting, according to LendEDU.

Well, this fact isn’t so fun if you’re a consumer with a complaint.

Breaking down the issue, nearly 74% of those credit report complaints were about incorrect information popping up. That equates to 30,903 of you.

Now, this doesn’t necessarily mean these complaints are valid. However, back in 2013, the Federal Trade Commission found that one in five consumers had an error in one of their three credit reports.

“...the credit reporting agencies merely make mistakes, which is understandable with the millions of pieces of information they process,” says Steve Weisman, a professor at Bentley University and the author of the fraud and identity theft blog Scamicide.

Therefore it is important to check your credit reports regularly.”

How to Keep Tabs on Your Credit Report — For Free

You’ve got three major credit reports: Equifax, Experian and TransUnion.

You can use a free site, like Free Credit Report, to check yours for mistakes. However, that site only pulls your Experian report, so you’ve got two more.

The good news is that federal law requires each of the major credit reporting agencies to give you a copy of your report for free once a year.

Weisman has a suggestion on how to use this to your advantage: “...order your free credit report from one of the credit reporting agencies every four months. In this way, you are getting your credit reports for free three times a year by staggering [them out].”

For example, check your Equifax credit report in January, your Experian credit report in April and your TransUnion credit report in August.

Set a calendar reminder on your phone if you have to.

How to Dispute Credit Report Mistake

If you find an unpaid credit card that you know you paid or a bill in collections you know never existed, for example, then you’ll want to file a dispute with the appropriate credit bureau.

All of this can be done online — and for free.

Equifax Credit Report Dispute

When you head over to Equifax’s dispute page, a welcome video will pop up that’ll walk you through the process, but it all seems fairly straightforward.

You’ll click “Submit Dispute,” and fill out some information about yourself and your credit report. You should receive results of the “investigation” within 30 days.

Experian Credit Report Dispute

Experian says filing a dispute online is going to bring about the swiftest action.

To do so, you’ll need to fill out an online form with your report number (you get that from your credit report), your Social Security number and your email address. Once you file it, you can check the status of the dispute at any time.

TransUnion Credit Report Dispute

TransUnion encourages you to file a dispute as soon as you spot an inaccuracy. To do so you’ll need to create an account. Like Equifax, TransUnion says the investigations are completed within 30 days — usually.

If you want to know more about credit reports — how to pull one and how to read through it — hop over to our guide.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She’s setting up calendar notifications for her credit reports now.



source The Penny Hoarder http://ift.tt/2uEMJn7

Thief Snagged Her Wallet, So She Immediately Took These 8 Steps

I did something stupid a few weeks ago; I left my wallet in the car. I knew that it wasn’t a good idea, but my hands were full with two coffees, so I hid it in a compartment in the car. “I can just grab it in the morning,” I told myself.

The following morning, I realized somebody else had grabbed it. The thief dismantled the car’s alarm system and feasted on the contents of my wallet, which included cash, debit cards, a credit card and my driver’s license.

Besides feeling violated, I was also suddenly unable to do a host of things: drive legally, prove my identity or even buy a latte to soothe my emotions. I didn’t realize the role my my wallet played in me being a functioning member of society until it was gone. Its loss left me helpless and vulnerable.

I wouldn’t wish this scenario on anyone, not even the thief who stole my wallet. But should you find yourself walletless one day, I made a list of what to do.

8 Steps to Recovering From a Stolen or Lost Wallet

If you ever find yourself in the undesirable predicament of being walletless, here are the steps to take to regain control of your life.

1. File a police report

You will need to create an official record of the incident -- yes, even if it was just lost. Not only will it alert the local authorities of your missing property in case they come across it, but it will be helpful later should you need to prove the loss to your bank or another institution.

So, get it on the record!

2. Report Lost Cards to Financial Institutions

Do this ASAP! Remember to include all personal and business credit and debit cards you kept in your wallet.

By the time I reported my debit card as stolen, the thieves had already charged nearly $100 in fast food purchases and attempted to make a major purchase online. Most financial institutions offer protection to cover these charges, plus they’ll typically send replacement cards within two weeks.

3. Get Access to Cash

You will need it to make purchases until you receive a new debit card. So, don’t be shy -- borrow some cash from a friend or loved one.

In some cases, your bank might allow you to withdraw a couple hundred dollars as a courtesy if you present an expired or secondary form of ID. (See No. 5 for more details.)

4. Get to the DMV, Stat!

Either make an appointment beforehand or simply walk into a local DMV to get your replacement driver’s license or ID card.

Each state’s DMV may vary in its process, but expect to fill out a form, pay a fee (See the importance of Step 3?) and present a valid government-issued ID, like a current U.S. passport book or card, a U.S. Citizen Identification Card or a Permanent Resident card. If you have none of these forms of ID, you may be able to use a few other forms, like an original or certified copy of a birth certificate, social security card, or Medicare or Medicaid card.

Replacement processes vary from state to state, as some will provide a replacement card on the spot, while others, like my DMV, issue a temporary paper ID with your driver’s license number on it. My temporary ID allowed me to drive legally until my replacement card arrived in the mail. I also used this as proof of identity to show my bank, which allowed me to complete the next step.

5. Get a Temporary Debit Card

Your bank can provide this only after you present a valid, government-issued ID or one to two forms of a secondary ID, such as current vehicle registration, current utility bill, an AARP card or social security card.

Different banks have varying policies, so you may want to call ahead to find out what you need.

6. Replace all Medical Insurance Cards

You will need to contact your health provider for these if you don’t have copies at home.

7. Brainstorm

What other cards were stolen along with your wallet? Do you have a public transit card? A union card? A dusty library card?

When I realized the thief had my library card, I reported it to the library (just in case the thieves have a thing for used books and are part of an elaborate underground book-selling ring).

My library replaced the card and waived the replacement fee when I presented a valid ID and a police report verifying my library card was stolen. (Thank you Los Angeles County!) Your library may do the same, so I suggest calling ahead to find out.

8. Create a Wallet-Loss Preparedness Kit

This will ensure you have everything you need to quickly put together a replacement wallet if yours ever disappears again.

In her former life, Chanté Griffin taught kids how to make and manage money as the director for a financial literacy non-profit. Today, she teaches herself how to make and manage money as a freelance writer and actor.



source The Penny Hoarder http://ift.tt/2w5L9IS

Which Fitness Chain Has the Best Gym Membership for Your Budget?

Despite years of adding “lose some weight” to my list of New Year’s resolutions, I have yet to join a gym.

Not to make excuses (well, let’s be real — everyone who wants to avoid the gym is making excuses), but I’m incredibly indecisive when it comes to spending money on myself.

Except when it comes to food.

But getting in shape requires making a decision and a commitment to putting in the work. And it takes an investment — in time and often in money.

With so many options out there, how do you pick the best gym membership for you?

Selecting the Best Gym Membership for You

Let me start by saying choosing a gym is a very personal decision.

Size might be a significant factor. For example, TPH writer Desiree Stennett said she wanted a gym large enough that no one would notice if she’s not there every day.

Location might be important to you — maybe if you pass the gym along your normal commute, you won’t be going out of your way.

Well, to help make your decision a bit easier, we compiled information from seven national workout chains so you can compare availability, costs and features.

Some gyms provide free trials, so be sure to take advantage of those offers before signing up for a membership.

Writer’s note: Membership costs are as listed online as of June 16, 2017, and are subject to change. Rates may vary based on location and current promotions.

1. 24 Hour Fitness

Where: 24 Hour Fitness has over 400 locations in 13 states — California, Oregon, Washington, Nevada, Utah, Colorado, Texas, Hawaii, Florida, Virginia, Maryland, New York and New Jersey.

 

Cost
How Much: Monthly fees start at $29.99, but can vary based on location and membership level. Members also pay a one-time initiation fee, which starts at $39.99, and there’s a $49.99 annual cost.

 

What’s Included: Gyms include studio and cycle classes. Members can take advantage of personal and group training. Get access to digital workouts you can complete at home without stepping foot in an actual gym. Parents of children ages 6 months to 11 years can drop their kids off for supervised fun time at nearly every location.

 

Try it
Try It: Use this three-day free pass.

2. Anytime Fitness

Where: Anytime Fitness has more than 3,000 locations in all 50 states and nearly 30 different countries. It’s the world’s fastest growing fitness club, averaging about 300 new locations a year for the past eight years, according to its media guide.

 

Cost
How Much: Membership starts at $29.99 per month, but price is subject to change depending on location and current promotions. When you join one gym, you can visit any other location within the chain at no additional cost.

 

What’s Included: Members can enjoy cardio machines, weights and strength training equipment, classes and wellness programs. Some locations offer tanning and personal training. They are open 24 hours a day, 365 days a year.

 

Try it
Try It: You can get a free seven-day pass.

3. Crunch Fitness

Where: Crunch Fitness has gyms in 21 states with more than 145 locations for its regular gyms and 32 locations for its signature gyms (which include more classes, upgraded amenities and more).

 

Cost
How Much: A base membership is $9.95 a month, a peak membership is $19.95 a month and a peak plus membership is $24.95 a month. Annual fees are $9.75. Enrollment fees vary.

 

What’s Included: Depending on what type of membership you choose, you can take advantage of multiple perks at this gym, including a training orientation with a fitness expert, group fitness classes, online video workouts, tanning and Hydromassage.

 

Try it
Try It: Try a free one-day trial.

4. LA Fitness

Where: LA Fitness has more than 690 locations in 26 states, Washington D.C. and Canada.

 

Cost
How Much: Monthly fees start at $25.99 for single-club access or $29.99 for multiple clubs within the same state. Initiation fees are $89.

 

What’s Included: Gyms include state-of-the-art equipment and cardio areas, group fitness classes, indoor heated pools, whirlpool spas and saunas. Some have kids’ clubs, juice bars and basketball and racquetball courts.

 

Try it
Try It: Find your local club to request a guest pass online.

5. Planet Fitness

Where: Planet Fitness has over 1,300 locations in 48 states, Washington D.C., Puerto Rico, Canada and the Dominican Republic.

 

Cost
How Much: Monthly dues are $10 for just one location or $19.99 to use any location. Annual fees are $39.99. Start-up fees vary.

 

What’s Included: These gyms include cardio and weight-training equipment, plus fitness training programs for all members. Some locations include massage chairs and tanning services.

 

Try it
Try It: Find the location nearest you.

6. Snap Fitness

Where: Snap Fitness has over 2,000 locations in 18 countries.

 

Cost
How Much: Monthly fees start at $24.99, plus there’s a one-time program fee and a one-time access card fee, which vary based on location.

 

What’s Included: Enjoy 24/7 access to top cardio and strength-training equipment, group classes, consultations from nutritionists and use of a physical activity belt that tracks your heart rate and calories burned.

 

Try it
Try It: Find your local gym to request a seven-day free trial. Or try a 30-day Fit Pass for $8.95.

7. Youfit Health Clubs

Where: Youfit Health Clubs has locations in 15 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, Pennsylvania, Rhode Island, Tennessee, Texas and Virginia.

 

Cost
How Much: Monthly memberships start at $10 a month with a  $39.99 annual fee.

 

What’s Included: Depending on location, these clubs include top-of-the-line equipment, free weights, group fitness sessions, express circuits, personal trainers, tanning beds and childcare.

 

Try it
Try It: Get a free guest pass for one-time use.

Other Alternatives

If none of these chain gyms suit your fancy, you could always join your local YMCA or set up a home gym to get your workouts in.

You could also incorporate fitness into your daily routine by trying one of these nine inexpensive gym alternatives. Running is one of the options on that list, and this post on tips and tricks for finding discounted running shoes can help ease your stride.

Or you could lace up those shoes and march right into the gym!

Nicole Dow is a staff writer at The Penny Hoarder. She sympathizes with the struggle of getting in shape.

Illustrations by Kristy Gaunt, illustrative designer 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.



source The Penny Hoarder http://ift.tt/2uEMmZN