Thousands of courses for $10 728x90

الثلاثاء، 10 أكتوبر 2017

Forget Pumpkin Spice. This Guy Cashes in on an Unexpected Fall Favorite

Remember the guy who turned 2015’s Boston blizzards into a chilly side hustle, Ship Snow, Yo? He returned, this time offering autumnal cheer with way fewer calories than a pumpkin-spice latte.

Kyle Waring launched Ship Foliage in October 2015, offering to ship a trio of genuine New England-sourced maple leaves almost anywhere in the world for $19.99 per pack, plus shipping.

Waring said he received 250 orders in his first week, which amounts to a cool $5,000 in revenue from Ship Foliage’s launch alone.

Foliage as a Service (FaaS): Short Harvest, Long Preservation Process

Although the video makes it look like collecting leaves to sell is as simple as taking a field trip, this business has a short, tough season.

“The foliage season typically lasts until the first frost, which is usually the very beginning of November,” Waring told us in 2015. “Based on some of the discussions with meteorologists and research, this year we’ve experienced a warmer fall. I’m hoping the season lasts until mid-November!”

The preservation process is time consuming, but necessary to prevent leaves from arriving as an envelope full of dried-up leaf crumbs. Waring said it takes seven days.

“I’ll soak each leaf in a glycerin solution mixed with water and a small amount of ammonia for two [to] three days,” Waring explained, before air drying and pressing between book pages for a few days.

Can the Ship Snow, Yo Guy Conquer Four Seasons of Shipping?

While the revival of Ship Snow, Yo depends on Mother Nature’s plans for the Boston area each winter, autumn tends to be reliable. Even a five-week shipping period for leaf lovers worldwide could provide Waring a considerable nest egg.

But what’s he going to do to corner the seasonal shipping market in spring and summer?

“I’m not looking to dominate all four seasons of shipping,” Waring claimed. “Shipping businesses are quite a lot of work, both for my wife and [me].” He planned to take time off after snow-shipping season, but he has considered options for a spring service business for the Boston market.

“I’m not entirely sure if there’s a defensible product for spring and summer that’s unique to New England,” Waring admitted.

Lisa Rowan is a writer and producer at The Penny Hoarder. She has firsthand experience with crumbly leaf envelopes.

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/2yDhn3w

Feel Lonely at Work? Here’s Why That Matters and What You Can Do About It

Home-based workers love to joke about not having to put on pants or deal with a long commute, but there’s a very real downside to spending every day alone.

Working from home can be excruciatingly isolating.

The obvious answer seems be to get a job outside of the house, but that might not solve the problem either.

It turns out people today are terribly lonely, whether they work in their home office or are surrounded by colleagues all day.

In a recent article for the Harvard Business Review, former U.S. Surgeon General Vivek H. Murthy says the issue is so widespread that it’s becoming an “epidemic.”

Feeling Lonely in a Crowd

It’s easy to understand how people who work at home can feel lonely, but how is it that people who work in an environment with others can also feel that way?

“[E]ven working at an office doesn’t guarantee meaningful connections: People sit in an office full of coworkers, even in open-plan workspaces, but everyone is staring at a computer or attending task-oriented meetings where opportunities to connect on a human level are scarce,” Murthy writes.

I can relate to this so much.

The Penny Hoarder HQ is filled with some of the kindest, most entertaining people I’ve ever met. As you can imagine, the writing team is never at a loss for things to chatter about.

Yet there have been times when I’ve headed home at the end of the day and realized I’ve barely spoken to anyone. I’ve often been so engrossed in my research and writing that I might not notice a spirited game of cornhole happening right next to my desk.

On days like that, I feel disconnected from my team and, frankly, it feels lousy.

The Impact of Loneliness on Our Lives

Murthy says the physical impact of loneliness on our lives is equivalent to smoking 15 cigarettes a day. He notes loneliness is also linked to cardiovascular disease, depression and dementia.

“At work, loneliness reduces task performance, limits creativity, and impairs other aspects of executive function such as reasoning and decision making,” he explains.

Shining a Light on the Loneliness Epidemic

Murthy says more than 40% of adults in America report feeling lonely, but he believes research indicates that number is actually higher.  

“I talk about this as an epidemic because it’s far more widespread than people believe, and like many illnesses that are related to our mental and psychological state, it gets swept under the rug and exists in the shadows. That’s why I speak about this with the urgency that I do,” he told the Washington Post.

Breaking the Loneliness Cycle

According to Murthy, people who have strong social connections at work are more likely to be engaged with their jobs and even feel more connected to the company’s mission.

He recommends workers make it a priority to get to know one another and find ways to build high-quality relationships with colleagues.

If you’re an introvert, that advice may make you want to run screaming in the other direction.

For you, the answer may lie in finding a career path that allows you to work independently while still allowing time to get to know the people around you at a level you’re comfortable with.

Whether you work from home or in an office, we’re all susceptible to feeling lonely. Remember you’re not alone and, chances are, some of your colleagues feel the same way.

Invite someone out for coffee or a snack and see where the conversation leads.

Or, if bonding with your co-workers is too unnerving, we’ve got a few other suggestions on how to expand your social circle.

Lisa McGreevy is a staff writer at The Penny Hoarder. She has no idea how to play cornhole but thinks it looks like fun.

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/2y9asOE

Here’s How Much Student Aid You’re Missing If You Don’t Fill Out the FAFSA

There’s one thing we know for sure: The “F”s in FAFSA don’t stand for fun.

Filling out the dreaded Free Application for Federal Student Aid form is akin to a root canal for perpetually distracted high schoolers — it’s incredibly beneficial in the long run, but oh so painful when it’s happening.

So it’s not surprising that students eligible for this free cash might let it slip their mind. But here’s a number that should startle even the most prolific procrastinator: $2.3 billion.

That’s how much federal aid has gone unclaimed this year, according to an analysis by NerdWallet. More than 648,000 students eligible for Pell Grants, which don’t have to be repaid, failed to complete FAFSA forms they submitted or didn’t turn in anything at all.

They left an average of $3,583 on the table.

SMH. If there’s one thing The Penny Hoarder won’t stand for, it’s unclaimed free cash.

FAFSA Could Be Your Key to Free Cash for College

Not that we need to mention it again, but current and former students are currently holding more than $1.4 trillion in student debt, leading to all sorts of financial fallout in the U.S.

If spending a few hours filling out paperwork could help reduce that number, we’ll do anything we can to encourage you to pick up that pencil.

(Adjusts backwards baseball cap and puts skateboard down. Pulls out chair, flips it around and sits in it backward. )

Even though the Internal Revenue Service made it harder to retrieve your tax records to aid in filling out FAFSA, it’s still a relatively easy thing to do.

In fact, we broke it down to an eight-step process that shouldn’t end with you crying and snapping that pencil in two.

Here’s what you’ll need before you get started:

  • Last year’s tax return
  • Your parents’ or spouse’s social security numbers
  • The amount of income you earned last year
  • Your driver’s license number
  • The amount of money you received outside of work or bills paid on your behalf in the previous year.
  • The names of schools you have applied to or plan on applying to

Then just follow the instructions, and you should be on your way to claiming some of that free college cash.

Alex Mahadevan is a data journalist 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/2gtmYPf

Wells Fargo Customers Can Now Access Their Cash With Smartphones at 5K ATMs

Update: Wells Fargo has upgraded its ATMs again. After introducing a cardless system that allows customers to use a special code from their smartphone apps to access ATMs, Wells Fargo has started to make it even easier to use its cardless system.

Now, at 5,000 of the bank’s 13,000 ATMs, account holders who have smartphones equipped with Apple Pay, Samsung Pay or Android Pay can tap their phones to begin a transaction.

Account holders will still need to enter their PIN after tapping their smartphones. Wells Fargo expects to roll out this new technology at all 13,000 of its ATMs by 2019.

ATM skimmers may have to find a new hobby.

With the rise in funds being stolen from innocent consumers due to ATM skimming, major banks around the country are developing innovative ways to protect their customers.

While most of these new technologies are still being piloted, one major banking chain recently announced that all of its ATMs will now be better equipped to protect its customers from having their debit card information stolen.

Wells Fargo ATMs Now Offer Cardless Access

To protect customers against ATM skimming, Wells Fargo recently implemented card-free access to its ATMs.

In March, Wells Fargo mobile customers gained card-free access to all 13,000 Wells Fargo ATMs in the U.S. via an eight-digit code in addition to PINs. Customers receive the unique code via the Wells Fargo mobile banking app, giving them access to their funds and enabling them to make cash withdrawals without a debit card. The machines still accept debit cards.

After last year’s ugly scandal over bank employees creating millions of unauthorized accounts for customers, checking account openings had fallen 43% as of March. The rollout of the new cardless technology is seen as an attempt by the company to amend ties with both its current — and potential — customers.

How to Protect Yourself From ATM Skimming

Skimming is a booming business for thieves all around the world; from 2014 to 2015, the number of ATMs compromised by skimming practices increased 546%, according to the FICO Card Alert Service.

How it works: Hidden electronics gather information from PIN keypads or your debit card. While skimming can occur anywhere you swipe your card, 94% of security breaches stem from ATMs.

To protect yourself against compromised ATMs, here are a few warning signs:

  • Odd appearance, such as mismatched colors or graphics on the screen not being correctly aligned.
  • Loose card readers, as they can be a sign that thieves placed a fake box over the original card slot in an attempt to record account and PINs.
  • A lack of flashing lights on card readers means that a skim device may have been placed on top of the original card reader slot.

For more information on how to protect yourself from ATM skimming, check out our article here.

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/2yX4Wf3

Wanted: One Prince Fan with Mad Archiving Skills to Work at Paisley Park

Imagine walking in the footsteps of a musical legend, working in the same space where the late, multi-Grammy-winning Prince created albums and films.

For one lucky job applicant, that could be a reality.

Prince’s Paisley Park estate in Chanhassen, Minnesota — which opened to the public as a museum last year following the artist’s April 2016 death — is looking for an archives catalog associate, according to a job posting on Indeed.

This sounds like a dream job for a Prince fan. The archives catalog associate would be responsible for cataloging the museum’s collection — filing and maintaining a computerized system — as well as helping to clean and monitor exhibits, conducting research and assisting with artifact requisitions and loans.

Prince’s estate is looking for someone with at least one year’s experience working with archives or cataloguing. Though the subject matter you’ll be dealing with may be intriguing, the job post warns the catalogue associate will need to “deal with repetitious intense work and procedures” and “cope with [an] extremely heavy workload.”

The ideal job candidate also must:

  • Have good grammar, punctuation and spelling skills
  • Know how to use a Mac and have good typing skills
  • Have excellent communication and interpersonal skills
  • Be able to process sensitive information and maintain confidentiality
  • Be able to drive a car

Obviously, some knowledge of Prince would be useful for this gig, but the estate is also looking for someone with a background in historical studies and research who knows how to work with Quark Express and Adobe Photoshop.

This job listing is for a full-time position with hours that could include nights, weekends and holidays. The salary amount was not included in the listing, but I’ve reached out to Paisley Park for more information and will update this post whenever that information becomes available.

The jobs section on Paisley Park’s website states that interested job candidates need to fill out this application and email it to jobs@officialpaisleypark.com or fax it to (901) 344-3232. You can also apply via Indeed, by clicking here.

If a full-time archivist job doesn’t seem like the gig for you, but you’re interested in working at Paisley Park, there are several other openings currently available, including ones for full- and part-time maintenance workers, a full-time security manager, a part-time ticket associate and a part-time tour operations associate. See the museum’s jobs page for more information.

And as always, for more cool and unique job opportunities, like The Penny Hoarder Jobs page on Facebook to stay in the loop.

Nicole Dow 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/2zbzdrr

This Company Will Pay You to Use the Internet (and You’ll Work From Home!)

Marketing services company Lionbridge is filling two part-time work-from-home positions right now, and we’ve got details.

Lionbridge provides the online tool you need to do the jobs, but you’ll need to provide your own computer and smartphone.

And if these jobs at Lionbridge don’t grab you, check out our Jobs page on Facebook. We post new jobs there all the time.

US Ads Evaluator

Ads Evaluators analyze online advertisements found in search engine results to make sure they’re relevant to the search terms being used.

Job Requirements:

  • High school diploma or GED
  • Resident of the U.S. for the last three consecutive years
  • Active daily user of Gmail and social media, including Twitter and Facebook
  • A secure broadband internet connection
  • A laptop or desktop computer
  • An Android smartphone 1 or higher
  • Experience using web browsers
  • Familiarity with current and historical business, media, sports, news, social media and cultural affairs in the U.S.

Apply for the US Ads Evaluator job.

Rater

Raters analyze webpages, images and other search engine content to make sure the results are relevant to the search terms being used.

Job Requirements:

  • High school diploma or GED
  • Resident of the U.S. for the last five consecutive years
  • A secure broadband internet connection
  • A laptop or desktop computer
  • An Android smartphone 1 or higher or iPhone 4S or higher

Preferred Skills:

  • Active daily user of Gmail and social media, including Twitter and Facebook
  • Familiarity with current and historical business, media, sports, news, social media and cultural affairs in the U.S.
  • Experience using web browsers

Apply for the Rater job.

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.



source The Penny Hoarder http://ift.tt/2xxsA0i

Here’s How to Get $10 Worth of Free Stuff at CVS Without Leaving Your Car

Update: CVS has just relaunched this $10 off curbside pickup deal. We’ve updated all the details about this awesome deal.

When you don’t have two days to wait for Amazon but can’t bear to put on real shoes to go to the store, what do you do?

Bribe your children or best friend?

This offer to try CVS Express is probably easier — and will save you more money than asking your teenager to bring back change.

The CVS Coupon Code That Gets You $10 Worth of Stuff

This coupon code is good for new CVS Express customers who want to order items from the web or CVS app, then pick them up through the store’s new curbside service.

Visit CVS Express and enter your ZIP code to see if curbside pickup is available in your area. Choose a local store and select your items online.

When you checkout, use promo code CVSCURBAFFIL10 to get $10 off your first curbside pickup purchase of at least $10.

We spotted this deal at Slickdeals. Use it by Oct. 14, 2017, to get your savings!

Lisa Rowan is a writer and producer at The Penny Hoarder. She gets CVS receipts so long she could turn them into garments.

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/2fZb0vR

How I Earn 7 Multiple Streams of Income

You’re the Boss: Here’s How to Make Your Money Start Working for You

“Make your money work for you.”

We say it quite a bit around here. You probably hear it anywhere you seek financial advice or information.

You’ve got to get that money out from under the mattress, out of a stagnant savings account, out of an ill-run retirement account. You’ve got to learn better options so you can start making your money work for you.

But what does it mean?

It means you can turn the money you have into more money.

Pretty sweet idea, right? We’re usually talking about investing, as that’s the most straightforward way to turn your existing money into more money.

That includes the big stuff — like putting money into a business and earning more in return, or buying real estate and renting or selling it for profit.

It also includes the more common stuff, like saving for retirement.

You could stick 4% of every paycheck in the bank each year and have, like, $100,000 saved by the time you retire. That sounds fine, but it won’t last long.

Instead, you stick that same money into a retirement account, and it grows to, say, a cool million dollars that’ll get you through a couple decades of retirement.

That’s making your money work for you.

Here are a few tools to help you be a tough boss and ensure your money’s hard at work.

1. Check in on Your 401(k)

Got a 401(k)? You’re on the right track.

Now, you just need to make sure it’s doing what you need it to. However, tapping into that account and deciphering the information — or lack thereof — can be hard.

There’s a robo-advisor for that called Blooom, an SEC-registered investment advisory firm that will optimize and monitor your 401(k) for you.

A few of us Penny Hoarders already use the service. It gives you an initial 401(k) checkup for free, and you’ll get to know your account a little more intimately. Find out if you’re paying too many hidden fees, have the appropriate amount invested in stocks versus bonds, that kind of fun stuff.

Let Blooom know your target retirement age, and it can help you get there by investing more or less aggressively.

2. Investing for Beginners (Who Don’t Have a Lot of Money)

Outside of your retirement plan, what are you doing to grow your money?

Investing in the stock market can be a smart way to make your money work for you — but it feels restricted to a few wealthy elite.

Stash is different. This app lets you start investing with as little as $5 and for just a $1 monthly fee (the first month is free).

Stash curates investments from professional fund managers and investors and lets you choose where to put your money. But it leaves out the complicated investment terms. You just choose from a set of simple portfolios reflecting your beliefs, interests and goals.

Bonus: Right now, Stash will give you an extra $5 to get started. Here’s how to get it:

  1. Enter your email here.
  1. Download the Stash smartphone app and create your account with the same address.
  1. That’s it! Within two days, the $5 bonus will hit your account.

3. Open a High-Yield Checking Account

If you’re like a lot of people, your paycheck(s) go into a single bank account. It’s probably a checking account, but maybe you’re a savvy saver and stick some of each check into a savings account.

The problem with that? A lot of bank accounts — even savings accounts — leave your money to do diddly squat while it’s there.

If you want your money to work for you, stick it into an account that pays a high interest rate.

Our writer Dana Sitar automatically deposits a portion of her paycheck into her Aspiration Summit checking account. This acts as her savings for travel and emergencies.

Here’s why she prefers it to a traditional checking or savings account:

  • It’s online only, so she doesn’t have to leave her apartment to handle her finances.
  • It’s free — no mandatory monthly minimums or fees.
  • It comes with a debit card, and she can use any ATM in the world for free.
  • Plus, 10% of the company’s revenue goes to charity, so she can feel like a good person!

4. Get Money Back for Everything You Buy

Regardless of how frugal or financially savvy you are, you still have to spend money on the regular to get by. You’ll have to shop for groceries — and other essentials, like wine, fresh clothes and that new Bestseller everyone’s been talking about.

Make the most of these purchases — even the indulgent ones — by earning money back every time you shop.

These cash-back sites and apps will help you get started:

  • Ebates: This platform has everything — from rebates to deals to promo codes to discounts. It’s always worth checking before venturing out (or online) for a shopping trip.
  • Ibotta: This gem helps you save big on groceries, booze and more just by snapping a photo of your receipt after you shop.
  • Paribus: This tool is too easy to ignore. It scans your emails for online-shopping receipts, then keeps an eye on the items you bought from participating retailers. If it finds a lower price, it helps you get reimbursed for the difference. It can also help you get a shipping refund if something shows up late.
  • MyPoints: Shopping through the online MyPoints portal earns you points with each purchase, which you can cash in for gift cards to major retailers like Amazon and Walmart.

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/2yCVeSW

Love Aldi? You Could Snag a Job at a New Jersey Location Wednesday

Aldi is continuing its U.S. hiring frenzy in the Garden State, with the announcement of 250 jobs open at 42 locations across the state.

Just show up to any New Jersey Aldi on Wednesday, Oct. 11, between 8 a.m. and 6 p.m., and you might walk out with a job paying as much as $56,000 a year, according to a news release.

The New Jersey hiring event is smaller than Aldi’s recent hiring spree in Florida but tracks with the company’s massive U.S. expansion. The grocery chain has new stores opening in Egg Harbor, Flemington, Hamilton and Old Bridge, the release states.

Click here to see if you have an Aldi near you. If there isn’t one, check out The Penny Hoarder Jobs page on Facebook for other openings.

Aldi Is Hiring for Several Positions at New Jersey Stores

Aldi hopes to find associates, shift managers and manager trainees at its new and existing New Jersey stores.

A high school diploma or GED and some retail experience are preferred for all three positions, and you’ll have to be able to work between 6 a.m. and 11 p.m. any day of the week. If you can lift 45 pounds and pass a background check and drug screening, you’re golden.

Here’s how the pay breaks down: Store associates and shift managers will earn up to $12.40 an hour, while the latter position will garner an extra $4.25 an hour when performing managerial work.

Manager trainees, who preferably have some management experience, can make up to $56,160 annually, with the opportunity to earn as much as $95,000 a year as a store manager.

All Aldi employees have the option to open a 401(k), and those who work more than 25 hours a week are eligible for dental coverage and health insurance.

If you love shopping — and saving — at Aldi, then you don’t want to pass up this opportunity.

Alex Mahadevan is a data journalist 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/2gs9rHr

Surviving and Thriving on an Extremely Small Food Budget

When I first started writing for The Simple Dollar, the then-governor of Oregon, Ted Kulongoski, made a big splash by choosing to eat for a week on $3 a day. This was in response to Oregon’s “food stamp challenge,” which challenged citizens to do just that and discover how hard it was to actually survive on such a small amount of income for food.

I thought about that challenge myself and decided to see if I could do it. Back then, our family consisted of just me, my wife (who was pregnant at the time, though I don’t think I knew it yet), and our oldest child who was then a toddler.

Could we pull it off and still eat healthy? At the time, several years ago, I found that we could just make it, provided we were able to find fresh produce in season.

Let’s roll this forward to today, though. Today, we have five people living in our home. Could we actually survive well on an extremely small food budget?

The first question, obviously, is “what constitutes a small food budget?” You’ll get lots of answers to this question, of course, but I wanted to get an impartial answer. I started by finding out what SNAP benefits were available for a family of five. This quick guide to SNAP eligibility and benefits, and it turns out that for a family of five, the average SNAP benefits added up to $556 a month.

Let’s put that into context. Over the course of 30 days, I’d have to feed five people 90 meals each, which adds up to 450 meals. That breaks down to a cost of about $1.25 per person per meal.

For comparison’s sake, this amounts to a single person living off of about $26 for a week for food.

So, let’s use that as a threshold. Let’s say you’re moving into an apartment for the first time in your life and you need to survive on about $1.25 per meal going forward. Let’s also assume that you have a stove and a microwave and a handful of basic pots and pans to cook with, along with a few plates and bowls to eat out of. (If you don’t have those things, head down to your local Goodwill, where you should be able to find all of those things except the stove for pennies.)

How can you and your family survive on $1.25 per person per meal?

It’s worth noting right off the bat that it’s easy to find enough really unhealthy foods to meet a person’s basic caloric needs for under $1.25 a meal. One could live on a steady diet of ramen noodles and have enough calories with which to live and spend far less than $1.25 a meal, for example. The only problem here is that a really unhealthy diet adds long term medical costs into the equation. A diet consisting of ramen noodles is likely to result in weight gain and hypertension along with some serious malnutrition. It’s not a functional and healthy long-term diet.

So, here’s the real question we’re asking here: how can you and your family eat healthy meals and thrive on $1.25 per person per meal?

Here’s what I would do in this exact situation.

Supplement the foods you can buy with a food pantry. If a person is in a position where they’re trying to survive on $1.25 per person per meal, it’s likely that they’re eligible for the benefits of a food bank or food pantry. My first step would be to identify where the local food pantry was, stop by during operating hours, and see what I need to do to get food regularly.

At our local food pantry, you’re allowed to get a bag upon your first visit, but in future visits, you have to provide proof of annual income (a tax form works, or some other proof – they can guide you as to what works) and proof of residence (a bill works) in order to keep getting food. In other areas, there are even fewer requirements.

Remember, if you are eligible to get food from the food pantry, you should; you are the reason the food is there. People want to help you get through this tough time and get back on your feet as fast as possible. Let them help!

Figure out whether you’re eligible for SNAP and sign up if you are. The easiest place to go to find out about this is to visit BenefitsCheckUp, which will help you identify, with a few basic questions, which programs you’re eligible for. Just choose the “Food and Nutrition” option when it asks you what kinds of benefits you’re looking for.

If you’re eligible, SNAP benefits typically come in the form of a debit card that you can use for groceries, enabling you to buy a certain amount per month. If you qualify for full benefits, this should provide you the $1.25 per meal (roughly) that’s discussed above.

Again, as I said earlier, if you are eligible to get benefits from SNAP, you should; you are the reason this program is there. People want to help you get through this tough time and get back on your feet as fast as possible. Let them help!

Of course, knowing about these programs is great, but how do you actually use $1.25 a meal to put food on the table?

Start with what I call the “big eight.” There are eight very inexpensive staple foods that are what I consider to be the backbone of an inexpensive diet.

First, eggs. You can find them for as little as $0.50 a dozen depending on where you live, though prices vary a lot. An egg has eighty calories in it and is a protein and nutrition winner. Make a dozen scrambled eggs and you have a main course for three or four people for $0.50.

Second, dry rice. It’s incredibly easy to cook rice. You just put some in a pan with a lid, add some water, and let it simmer for a while. You need to get the proportions right, but you can easily look that up online based on the type of rice you buy. Dried rice is dirt cheap at the store, accompanies practically anything, and is incredibly easy to cook.

Third, dry beans. You can almost carbon copy everything I said about rice. Even better, there are lots of very different varieties of beans, from the tiny lentil to the large chickpea. Buy them dried, let them soak in water overnight, then boil them up and you’ll have the backbone of many amazing meals.

Fourth, on-sale fresh produce. Many, many grocery stores use fresh fruits and vegetables as loss leaders to get customers into the store. Just go into the fruits and vegetables section of your preferred grocery store and pick up whatever’s on sale. Take it home. Figure out how to prepare it. Try it.

Fifth, whole chickens. This is where you get your money’s worth when it comes to a chicken. Just cook the whole thing in a pot and enjoy it for dinner, saving the broth it’s cooking in for later use in a soup. Eat all the meat, then make more broth with the remaining bones. Use that broth with cheap vegetables and cheap rice and cheap beans to make an amazing soup. You can get so much mileage out of a whole chicken!

Sixth, ground turkey. This is a healthy and cheap substitute for ground beef, as you can use it as a substitute in almost any recipe that calls for ground beef. While this is likely the most expensive thing on the list here, it’s still quite cheap and it covers one of the big staples of many American diets in a low cost and healthy way.

Seventh, pasta and tomato sauce. Pasta paired with tomato sauce or diced tomatoes is a great simple meal that almost anyone can make, and it feeds a family quite well and usually provides leftovers. You can get a box of spaghetti, a can of tomato sauce, and a can of diced tomatoes for $4 and it’ll feed a family of five easily.

But how do you make it taste good? That leads us to the next item.

Finally, bulk spices. Alone, all of these options would be bland. Find a store in your area that sells cheap bulk spices (start by checking out ethnic grocers) and get a variety of things to use. Think of dishes you’ve loved, look up how they’re spiced, and then buy those spices. Keep them sealed up so they stay fresh for a long time. Don’t buy those overpriced little jars at the grocery store.

Learn how to cook the “big eight” in a variety of ways. The items above are on this list because they’re inexpensive and very flexible. You can prepare them in a lot of ways. You can spice them in a lot of ways. You can mix and match them in nearly countless ways. The trick is knowing how to do it, and that takes practice and time in the kitchen.

So, the next step here is to simply cook a lot of meals at home focusing on these eight ingredients. Learn how to prepare seasoned rice and vegetables. Learn how to make killer rice and beans. Learn how to make egg drop soup. Learn how to make killer pasta with ground turkey meatballs. Learn how to make hard-boiled eggs for quick breakfasts. It goes on and on and on.

You’ll gain a lot of skills this way and really learn how to use what’s in your kitchen. Cracking eggs and cutting up chicken will become second nature to you. Cooking rice and cooking beans will feel like a nearly automatic task.

When you reach that point, preparing foods at home will begin to feel simpler than going out. Trust me – that’s where I’m at these days. I’d far rather make a bunch of pasta and some steamed vegetables than take my family out to dinner. I’d honestly do it that way if I were single, as I could stow away a bunch of meals in the fridge.

Pick up a few basic helpful tools from the dollar store or Goodwill. At the beginning of this article, I made the assumption that you would likely have only very basic stuff in your kitchen – a stove, a microwave, a couple pots and pans, a knife, plates, bowls, and silverware. There are three other tools that really come in handy when it comes to preparing food at home, and you can get all of them at many Goodwill stores or off of Craigslist for just a few bucks, or at your local dollar store. These are going to save you money, because they save you so much time that they take away the incentive to buy more expensive convenience foods.

A slow cooker enables you to fill it with food in the morning, turn it on low, and come home in the evening to a prepared meal. It works really well for some things – it can make a mean slow cooker lasagna, for example, or soups and stews, or a roast. It doesn’t make everything well. You can find one at most Goodwills or general secondhand stores for just a few bucks. You might want to stop by the library and pick up a book on slow cookers and slow cooker recipes to get started.

A rice cooker is just something I find convenient if you have a lot of meals involving rice. You just put the rice in, put the water in, close the lid, touch a button, and wait twenty minutes and you have perfect rice. It makes rice almost impossible to mess up; rice becomes something so simple that it barely requires any thought at all. Again, you can often find these at secondhand stores for just a few bucks. You may need to find the manual online, which shouldn’t be too hard.

Reusable containers enable you to save leftovers in the fridge after a meal. Smaller containers make it easy to subdivide leftovers into individual meal-sized containers that are perfect for reheating for lunch the next day or for a quick dinner down the road. You can pop most individual meals in the freezer for later thawing and reheating, too. You can find such container quite cheaply at the dollar store, though those tend to warp after a while. Make sure they’re freezer safe before popping them in the freezer and microwave safe before microwaving them!

Figure out which store in your area is the discount grocer and use that grocery store for as much as possible. Another valuable step in keeping the cost of food low is to make sure that you’re buying your food from the store that offers the lowest prices in the area. Some grocers charge higher prices than others and do this by having fancier displays, more open space, and a better location; other grocers charge lower prices, but might have narrower aisles and less attention paid to displays and product selection.

Check out the stores in your area and judge them by their regular prices on staples. Stick with the store that has inexpensive rice and beans and pasta and milk and whole chickens – the kinds of low cost staples that you need to center your diet around if you’re trying to stay healthy and keep costs super low.

Use that grocery store flyer! Make sure that, each and every week, you’re checking out the flyer from that preferred grocery store. The store flyer lists sales that the store has that week, which, if you’re using a discount grocer, means pretty low prices. Use that information.

You can use it to get discounted fruits and vegetables (remember, I mentioned these as a staple earlier). You can use it to identify other ingredients that are exceptionally cheap this week. Remember these. They’re important. Keep reading.

Check other flyers, and use their loss leaders if the deal is good. Don’t just stop with the flyer of your primary grocer, either. If other grocers are convenient to you, check out their flyers, too, and look for loss leaders – items that are exceptionally cheap and intended to attract customers. It may be worth a stop at that store just to pick up the loss leader.

Plan your meals in advance of going to the grocery store, and make a list off of that meal plan. So, you have a bunch of cheap staples that you use to base your meals on. You know a bunch of very inexpensive items that are on sale this week. Maybe you have some odds and ends from the food pantry to boot. What can you do with those things to make meals for the week? That’s the big challenge of eating so cheaply.

Start thinking about how those items fit together. Can you cook some of the fresh vegetables with rice? Can they be turned into a soup? What kinds of neat things can you do with those items that are on sale that’s a bit unusual for you? What on-sale items pair well with the spices you have?

If you’re struggling, type some ingredients into Google or into All Recipes and see what turns up. You might find some interesting combinations that you hadn’t thought of.

As you come up with those meals, start slotting them in throughout the upcoming week. Slot in slow cooker meals or easy meals on nights when you know you’ll be busy in the evening. Slot in meals with a bit more prep work on other nights where you’ll have more time. If you can, plan on doing some of the prep work for later meals on the weekends or on particularly open evenings, so you can just grab some already-sliced peppers (for example) later on when you need them.

Once you’ve figured out meals that cover all of your needs, make a grocery list. Write down everything that you think you might need to make those meals, keeping in mind to not write down the things you already have. If you’re not sure, write it down and check later – you can always cross it off.

Then, when you run off to the store, you actually won’t be there very long. You’ll just be grabbing stuff off your list instead of wandering about (as you would do without a list). Because of that, you’re also less likely to put unplanned items in the cart, which will save you money – the fewer spontaneous items that wind up in your cart, the easier it is to meet that $1.25 per person per meal goal.

Even with all of this information before you, being able to survive and thrive on a very small food budget boils down to one thing: stepping back and being thoughtful about every dime you spend on food. That’s really what all of this is about. It’s about a transition from just grabbing food at the grocery store or the fast food joint or the takeout place to considering where your dollars go in terms of food. It’s about a transition to thinking about your food purchases when you’re outside the heat of the moment – planning ahead, thinking about recipes, choosing healthy and low cost ingredients, setting yourself up to succeed in your kitchen. That’s the key.

You can survive and thrive on a very low food budget. You can feed your family well with surprisingly little. It just requires you to step back and think about things a little and it requires a willingness to do a bit of planning and become a little more proficient in the kitchen.

Good luck!

The post Surviving and Thriving on an Extremely Small Food Budget appeared first on The Simple Dollar.



Source The Simple Dollar http://ift.tt/2zc74R4

Turn your foodie passion into profit

Truffles

From enjoying a glass of velvety red wine to treating yourself to a meal topped with luxurious truffle shavings in a restaurant; we all like the finer things in life, but have you considered investing in them?

Moneywise weighs up the case for investing in truffles and wine.

Investing in truffles

Investing in truffles involves buying trees inoculated with truffle spores directly from truffle farms. These farms harvest and sell the truffles, and then pass on money from sales to investors.

French Truffle Tree is a family-run business based in Charente, France, which offers investors the opportunity to buy between one and 500 oak or hazel trees aged two years or more. This costs from £99 for a single tree plus a £30 annual maintenance charge.

Sharon Hamilton (pictured below), who runs the business with her husband Kevin and son Ben, says they started the black perigord truffle farm after realising their pensions weren’t going to give them the retirement they’d hoped for.


 

Mrs Hamilton says hazel trees produce truffles for about 30 years and oak trees for about 100 years. It takes around four to 10 years before truffles are produced, she adds, but when they do, the average price per kilo is between £700 and £1,200. Mrs Hamilton explains: “We estimate that when a tree starts producing it will be about £30 worth of truffles, hopefully doubling in yield for the first few years and levelling out at about £440 per tree each year.” You can choose to have the truffles shipped to you to or French Truffle Tree can sell them on your behalf, passing on the proceeds.   

Truffle Farms Europe (TFE) is another farm producing truffles. Launched earlier this year, it’s cultivating 26,500 oak trees near Barcelona in Spain to produce black perigord truffles.

Investors can buy from 25 trees up to 500, which costs from £7,836 to £95,745. You receive the price equivalent of 80% of the truffle crop during the life of the 15-year period you must invest for and 50% of the tree sale price. TFE forecasts average annual returns of between 15% and 21% over the 15-year period.

Before investing look out for truffle type. Mrs Hamilton says perigord truffles are the ones favoured by chefs and these don’t grow in the UK due to the climate.  

Investing in wine

The Liv-ex Fine Wine 100 Index, which represents the price movement of 100 of the most sought-after fine wines, shows that prices rose by 18% between May 2012 and July 2017 – proving that wine can be a good long-term investment.

Fine wine investors typically buy and sell bottles via specialist wine merchants, which they store in “bonded” warehouses. This ensures wine is kept in its optimum condition but also means the wine is excluded from import tax, duty and VAT until it leaves the warehouse.     

Berry Bros. & Rudd claims to be the oldest wine and spirit merchant in Britain, having traded from the same shop in London since 1698. It also has an online wine trading platform called BBX (Berry’s Broking Exchange), which enables investors to buy and sell private stocks of wine. BBX charges £1 a bottle per year for storage in its bonded warehouse, which also covers insurance, while it takes a 10% commission from any sales.  

Simon Staples, sales director for fine wine at Berry Bros. & Rudd says: “As a rule of thumb, only ever invest in the top wines of Bordeaux and a handful of wines from Burgundy.”  

Peter Shakeshaft, founder and chief executive of fine wine investment firm Vin-X Limited and founder and director of trade body the Wine Investment Association, adds: “Key factors to influence value will be the producer, the vintage, critics scores, and rarity.”

For more of a guiding hand, Vin-X works with investors to put together portfolios of wine. It takes a 15% management fee, which includes bonded wine storage and insurance.

If you’re buying and selling yourself, ensure you get a good deal by comparing wine prices using specialist comparison website Wine-Searcher.com.

What to watch out for

Investing in tangible assets is risky for several reasons:

  • Your money is illiquid as to access it you need to sell the asset and you may find with truffles that you’re locked in for years or even indefinitely.  
  • These are unregulated markets, so you can’t take a complaint to the Financial Ombudsman Service if something goes wrong, and if a firm fails you’re unlikely to get your money back.
  • These markets can be cyclical and rise and fall in line with trends and other world events, so you need to be prepared to invest for at least five years.
  • As with all investments, you may not get back what you put in and you can lose your original investment.

Make sure you fully understand the risks and the costs involved before handing over any money. Beware fraudsters and cold callers, as David Richardson, regulatory and commercial affairs director at the Wine and Spirit Trade Association, warns: “Alarm bells should ring if you’re offered guarantees of unrealistic returns.”

Minimise risk by doing your research – check for reviews online and if the company is UK-based, check the firm’s details and recent accounts history on Companies House. 

If you’re new to investing, start with our First 50 Funds for beginner investors and set up a portfolio using a variety of different fund types and asset classes before moving on to investing in tangible assets.  Go to http://ift.tt/2kDmmej.

The tax implications

Capital Gains Tax (CGT) is due on profits made when consumers (not traders) sell certain items. You can make £11,300 in profit in the 2017/18 tax year before tax is due – the rate depends on how much tax you pay, the size of the gain, and whether the gain’s from selling property.

However, if you’ve made over the £11,300 threshold, there is an exclusion that may apply called the “chattels exemption”. Under this, tangible assets, including wine and truffles, are exempt from CGT if they’re sold for £6,000 or less.

Income tax is due on money earned over £11,500. Here, the rate depends on how much you earn.  

Investing in foodie funds

An alternative way to invest in food products is to use an ‘Exchange Traded Commodity’ (ETC), a financial product that tracks a specific benchmark or asset and is traded on the stock exchange.

ETF Securities is an investment company that specialises in such products, enabling investors to put their money in ETCs tracking the price of anything from cocoa and coffee to corn, soy, and sugar. However, be warned that performance of individual commodities can be volatile.

Alternatively, you could buy the db x-trackers Stoxx® Europe 600 Food & Beverage UCITS ETF, an exchange traded fund that invests in the largest European companies in the Food & Beverage Sector, with a portfolio including Nestle, Diago, Heineken and Carlsberg.

WIN a truffle tree package

One lucky reader can win a truffle tree package from French Truffle Tree, which includes one truffle tree (your choice of an oak or hazel tree) plus maintenance fees for 10 years. This normally retails for £350. Just email your answer to the following question, putting ‘Truffle tree’ in the subject line, to editorial@moneywise.co.uk by 31 October 2017.   

Where is the French Truffle Tree company located?

A) France B) Germany C) Switzerland

Section

Free Tag

Related stories

Twitter



Source Moneywise http://ift.tt/2kDmmLl

Moneywise Home Finances Awards 2017: Winners revealed

Moneywise Home Finances Awards 2017

The results are in for this year's Home Finance Awards. Find out the best and the worst of home service providers.

Section

Twitter



Source Moneywise http://ift.tt/2kEjmOH

Investment Doctor: “I’d like to invest £500 a month in a Stocks and Shares Isa”

The Investment Doctor helps a reader looking to invest £500 per month in a Stocks and Shares Isa.

Question: I am investing £100 a month, which is split equally between two US tracker funds - HSBC American Index (C class)* and Vanguard US Equity Index.

My target is to invest a total of £500 each month via a Stocks and Shares Isa wrapper. Looking at Moneywise’s First 50 Funds, I have shortlisted a few funds but I’m not sure how much I should invest in each. The investment is for my children but I would like it to be done through my Isa allowance. 

The funds I’ve shortlisted are: F&C Global Smaller Companies*, Fidelity Index Emerging Markets (W Acc)*, Fidelity Index UK (W Acc) [Moneywise says: We dropped this from our First 50 Fund list in July 2017 in favour of L&G UK Index Trust*], Fidelity Index World (W Acc)*, Malbororough UK Micro-Cap Growth (P Acc )*, Scottish Mortgage Investment Trust*, Stewart Investors Asia Pacific Leaders (B Acc)*, Vanguard Global Small-Cap Index (Acc)*, Vanguard LifeStrategy 80% Equity, and Witan Investment Trust*.  

Initial diagnosis

The combination of funds you’re considering provides a decent geographical spread, according to Juliet Schooling Latter, research director at investment firm Chelsea Financial Services.

“We’d suggest that a substantial weighting to smaller companies investments could be sensible given you are investing for very young children over the long term,” she says.

Monthly investments will also help as they take advantage of pound cost averaging, which results in more shares bought when prices are low and fewer when they’re high.

“Given the sum of money per month is £500, we would suggest a reduced number of funds – a maximum of eight to 10 – as the money would be spread too thinly and the portfolio almost too diversified,” she adds.

It’s also worth revisiting the two existing US funds you hold. “They are tracking very similar indexes and performance is also very similar, as you would expect,” she adds. “You could look at investing in just one and the HSBC fund is cheaper.”

Treatment plan

Peter Sleep, senior investment manager at Seven Investment Management, warns that buying costs can add up.

“Check the terms and conditions of your Isa provider to see whether listed investment trusts or unit trusts are most cost effective,” he says.

He also suggests investing fully in equities as they tend to beat bonds over time, in the same way evidence suggests smaller stocks beat larger ones over the longer-term.

Vanguard Global Small Cap Index is an excellent core fund for any long-term investor and one I have personally invested in,” he adds.

Diversified treatment plan

Jason Hollands, managing director, business development, at Tilney Group, believes the focus should be on achieving a broad spread.

“Your top priority should be adding exposure to other markets, including the UK, Europe, Asia and Emerging Markets to truly diversify,” he says.

For example, he doesn’t believe it makes sense to narrowly focus on “tiny, illiquid micro-cap” companies in the Marlborough fund mentioned.

“Consider instead a fund like Liontrust Special Situations*, which invests across the full bandwidth of the UK equity market including, large, medium sized and smaller companies,” he says.

He suggests good European options include Jupiter European or Henderson European Focus.

Stewart Investors Asia Pacific Leaders has a very sizeable position in India, which is the brightest spot of all the major emerging markets,” he adds.

Mr Hollands believes it’s also a mistake to ignore Japan, with the CF Morant Wright Nippon Yield fund being one that he’d consider.

Of course, an alternative to investing in regional funds is buying a truly diversified, global investment strategy that invests across all these markets.

Foreign & Colonial Investment Trust has diversification to more than 500 companies in 35 countries, including an allocation to private equity funds,” he says.

*Denotes Moneywise First 50 Fund for beginners. 

Rob Griffin writes for The Independent, Sunday Telegraph and Daily Express.

Do you have a question for the Investment Doctor? Email editor@moneywise.co.uk.

Section

Free Tag

Related stories

Twitter



Source Moneywise http://ift.tt/2kEyvQc

This is How to Save Money Every Single Time You Shop at T.J. Maxx

Hmmm… where should I start?

Those purses look so trendy. Oh! Shoes! But first I need to smell all the candles. Oooh, that skirt is cute…

You just got a glimpse inside my brain as I’m entering a T.J. Maxx.

The swoosh of cold air hitting my face when I walk through those magical doors is almost theraputic, and all I want to do is buy everything because it’s discounted. See the tag? It says I’m saving $20 on these leggings.

Yeah. Discounted. (See No. 5 first.) Even so, it’s easy to rack up a hefty bill at checkout. But just because items are already marked down doesn’t mean you can’t save even more.

We’ve compiled some smart ways to save even more money at this already discounted chain.

10 Ways to Save Even More Money at T.J. Maxx

1. Download This App — Just For Kicks

Shopkick is a free app that rewards you in “kicks” just for venturing into the mecca that is T.J. Maxx. And there’s no purchase — or physical kicking — required.

You’ll earn kicks when you walk through the doors, scan items in-store, purchase something with a connected credit or debit card or take a photo of your receipt.

These kicks can be exchanged for gift cards to a number of retailers, including Amazon, Target, Starbucks and Sephora.

2. Walk Straight to the Clearance Section

Nope. Keep going. Don’t stop to look at that pretty dress on display.

Just because everything in T.J. Maxx is already discounted doesn’t mean there’s not a clearance section. That’s the strategy Hadley Seprish, an account manager here at The Penny Hoarder, employs.

“I can tell you, nine times out of 10, I go to the clearance for dresses as opposed to looking at any of the full sale racks,” she says.

She hardly ever looks at the regularly priced clothes because she knows she can find cute dresses marked down even more. And, hey, those regularly priced items will hit the clearance aisle soon enough.

In order to truly take advantage of the clearance aisle, you need to know a thing or two about T.J. Maxx’s tags. You’ll want to search for the yellow stickers, according to The Krazy Koupon Lady. That indicates the final markdown.

A red tag means the item has been marked down, but it’ll eventually sink lower with that yellow tag.

3. Ask an Associate If the Item Will Soon Go on Sale

I know what you’re thinking: If I wait for these super-adorable dish towels to hit clearance, I’ll be here forever.

We get it. You want it now. In that case, find an associate and ask them if the item will go on sale soon.

Our associate producer Teyonna Edwards used to work at Marshall’s (T.J.’s sister) and is a big fan of T.J. Maxx. She says that when they’d do storewide markdowns, they’d work section by section through the week.

“So something that may be on the markdown list may not have been marked down yet,” Edwards says. “It never hurts to ask!”

And many bloggers say January and July are the best times to shop at T.J. Maxx. That’s when the twice-annual sales occur — if you can wait that long.

4. Nab a $10 Gift Card Before Your Next Trip

If you’re a regular Penny Hoarder, you’ve likely heard of Swagbucks. The online platform allows you to earn Swagbucks (or SBs) for taking surveys and watching videos. These SBs can then be exchanged for gift cards.

Once you earn 1,000 SBs, you can exchange them for a $10 gift card to T.J. Maxx. (Also good for Marshall’s and HomeGoods.)

When you sign up through us, you can snag an additional $10 bonus.

5. Compare Prices

Before you sprint to the checkout line, take a second to compare prices. This can be done with a quick Google search

Sure, T.J. Maxx provides those handy “Compared At” prices, and that’ll probably make your heart beat with glee, but T.J. Maxx defines these prices as:

“…our buying staff’s estimate of the regular, retail price at which a comparable item in finer catalogs, specialty or department stores may have been sold. We buy products from thousands of vendors worldwide, so the item may not be offered by other retailers at the “compare at” price at any particular time or location.”

The retailer then encourages folks to do their own price comparison. (’Cause it’s been sued before.)

6. Inquire About the “Imperfect” Discount

A few weeks ago, I found a set of two pajama bottoms for something like $10. They were light and comfy and had elephants on them. I was thrilled.

Once I got home, though, I realized one pair of the shorts had a rip in the seam. I was so upset because, 1. I can’t sew, and 2. I could have gotten an extra 10% to 20% off, if I’d known. (Or just opted for another pair.)

GoBankingRates reports that if you find anything damaged or irregular that you want, simply ask for an additional discount.

That doesn’t just go for clothing, either. It goes for furniture, décor — you name it. Chances are, it’s minor and something you can fix on your own. Or just go for the whole “distressed” look (unless you can’t sew…).

And, as a side note, items don’t land in T.J. Maxx because they’re damaged in the first place. The Krazy Koupon Lady says only 5% of the store’s inventory is deemed “irregular” (or not what you’d find in Nordstrom, for example).

7. Sign Up For a TJX Rewards Credit Card or TJX Rewards Access

Some shoppers might be iffy on the idea of signing up with the TJX Rewards credit cards because, well, the rewards aren’t super incredible — and it’s just another bill you have to remember to pay off at the end of the month. (Seriously. Pay. That. Bill.)

However, our senior media buyer, Kelsey Buxton, loves the credit card. With it, she snagged a 10% discount on her first purchase. Now, she earns $10 reward certificates for each 1,000 points she earns. (It’s five points per $1 at T.J. Maxx, Marshall’s or HomeGoods.)

If you don’t want to go the credit card route, though, the store also has the “Rewards Access” program. It’s free, and you’ll get free shipping with online orders, plus earn an entry into the store’s monthly $100 gift card sweepstakes each time you buy something.

8. Don’t Be Afraid to Say You’re 55+

A senior discount will depend on your store and location, but it never hurts to ask.

At my go-to location here in Florida, seniors, or those who are 55 or older (really, is that a senior?!), can score 10% off on Mondays.

9. Pay With a Discounted Gift Card

OK, this isn’t as sketchy as it sounds. There are tons of sites out there that sell discounted gift cards, including Raise.

Right now, you can grab a gift card that’ll save you up to 6.8%. That’s a gift card valued at $109.08 that’s selling for $101.67.

Nope, this won’t grant you any insane savings, but it’s better than nothing!

Plus, you can get an extra $5 off when you make a purchase of $50 or more.

10. Enter The Monthly Sweepstakes or Contests

If you have any sort of luck, you just might want to take the time to do this because a $500 gift card is on the line.

No purchase is necessary to enter, according to the sweepstakes rules. However, it asks for the survey number at the bottom of your receipt, so that sounds like a purchase to me.

Anyway, each month a winner receives a $500 gift card, which is good for, like, five shopping sprees?

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She loves buying luggage, stationery, skincare products and even food items from T.J. Maxx.

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/2yct7J3

How Job Hopping Helped Me Switch Careers and Earn a 39% Raise in Months

I never intended to be a job hopper. I just couldn’t find the right job for me.

I was the first in my family to graduate from college. They didn’t mind that I pursued a film degree or that I lacked real-world skills. They weren’t concerned about my chosen path at all. They were just happy to watch me walk across the stage and get my diploma.

During and after college I did work in the film industry, but the long hours and low pay quickly led to burnout. With no other marketable skills or knowledge — and a competitive job market — I felt lost. I worked as a barista while I figured out my next move.

During a Sunday morning shift I saw an ad on the back of a newspaper: An insurance company was holding a career fair and was going to hire more than 200 employees for their call center. Luckily, I arrived early enough to snag an interview and was offered a job a few days later.

Nearly two years after graduation, I finally had a full-time job, complete with a salary of $33,000 plus benefits.

Working at a call center with row after row of cubicles paid the bills but was not ideal; I knew right away that this job was not going to work out for me in the long run.

Around the same time, my then-boyfriend-now-husband’s band was performing regularly and becoming more successful, but their online presence was small. I volunteered to post their upcoming shows on social media to help them out, and we quickly began to see some results.

After 15 months at the call center, I left to process retirement benefits for a government agency. Now I had a salary of $36,000, and the benefits were even better.

But, I always found myself wanting to learn more about marketing. I read books, listened to podcasts, learned Google Analytics – it was something I did in my free time because I was genuinely interested.

Meanwhile, I kept doing work for the band. I taped shows and shared the videos online. I wanted to create an email newsletter, so I learned how to use MailChimp and got fans to subscribe.

I did all of this for over a year before realizing I could turn this into a full-time job.

Making the Career Change

Getting an entry-level marketing job without relevant internship experience seemed impossible. I did manage to get a few phone interviews but never advanced any further. So, after months of applications (and rejections), I began to explore paid internships.

I knew that I needed to make an impression if I wanted to get a company’s attention. Most job seekers apply for jobs online, so I chose to do the opposite. I mailed my resume, cover letter, and some work samples to a small agency.

My cover letter explained my interest in marketing, why I wanted a career change, that I wanted to take the intern role so that I could get real-world experience and that I wanted to work full time – no long-term obligation required. In exchange, I offered my video production experience and included samples of my work.

The owner of the agency emailed me and said she loved my “tenacity.” Sixteen months into my government job, the agency offered me a full-time intern role for $12 per hour.

“Luck is what happens when preparation meets opportunity.”

While interning, I knew I had a short amount of time to find a permanent, full-time job, and my savings were depleting. I made a list of ways I could earn more money if this move didn’t work out. I was ready to donate plasma, apply for any barista job or even sign up for a medical study. If I could sell my soul, I would have done it.

I kept my LinkedIn profile up to date. Every blog post I wrote, skill I learned, notable accomplishment went on my profile. I wrote a summary explaining my experience and what I was looking for. I applied for every job opportunity I came across.

Then something unexpected happened: A hiring manager reached out to me.

All of that work I put into LinkedIn paid off. They needed a full-time contractor and came across my profile in the search results. Ten months later, I became a full-time employee.

In 14 months, I went from earning a salary of $36,000 to $50,000 – a 39% increase – in a role I wanted to work in.

Since then, I’ve hopped twice more to land the dream job that I have today.

Each previous job has given me an advantage and increased my income potential: my insurance and personal finance knowledge gave me real-world experience in complicated industries. My two-plus years of agency experience is often a requirement for marketing jobs. Video has also become huge in the content marketing world, so my film degree turned out to be an asset after all.

How to Use Job Hopping to Make a Career Change

Here’s what you can do to leverage your work experience to transition into a new career.

Build Your Portfolio

Volunteer your spare time, and your effort will pay off. Create work samples. If you want to write, start a blog and write. If you want to be a developer, learn to code and build an app.

Do Your Research

Research companies that offer paid internships or entry-level positions, and state your case. Recruiters and hiring managers will want to know why someone with years of experience wants to be considered for a lower-level role.

Be Willing to Make Sacrifices

Don’t expect to get paid the same amount you were making at your previous job. Make sure you have savings (and a plan b) to relieve some of the financial stress.

Make Them an Offer They Can’t Refuse

What will you bring to the table? This is your opportunity to stand out. If you have work experience, then you have something to offer.

Never Stop Learning

Get free training online. Audit classes on Coursera. Learn about Facebook advertising with Blueprint. Tackle coding with CodeAcademy. Add these new skills to your resume, too.

You, too, can make a career change. All it takes is patience, proper planning and a smidge of courage.

Cristy Salinas (@lacristysalinas) is a content strategist and improviser in Austin, Texas. When she’s not writing, you can find her at a comedy theatre or binge-watching Fixer Upper (again!) with her two cats.

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/2yBTUj4