Thousands of courses for $10 728x90

الخميس، 25 يناير 2018

He’ll Save $360 on Car Insurance This Year. Here’s His Secret Weapon

Until Artie Januario’s recent cross-country move, he’d never considered shopping around for car insurance.

When he lived in Boston, one of his best friends was his insurance agent, so he just went with it.

“I thought, ‘Oh, yeah, I’m getting a good deal, and I have good coverage,’” he says. “It was an out-of-sight, out-of-mind kind of thing.”

At the time, the 32-year-old paid about $95 a month through Liberty Mutual.

But about four months ago, he moved to Austin, Texas, where he had to re-register his car, get a new license, secure new car insurance — all that jazz.

Conveniently, his girlfriend had been hired at The Zebra, which Januario (and the company itself) describes as “Kayak for car insurance.”

He decided he had nothing to lose and compared insurance quotes through The Zebra’s online search engine. In about half an hour, he had new insurance — and managed to knock off about $30 a month, now paying about $65 a month in a state that, on average, has higher insurance rates than the one he’d moved from, according to Insure.com.

Back It up: What’s The Zebra?

Spoiler: We’re not talkin’ majestic African animals here.

The Zebra compares car insurance quotes for you, all online. It combs through more than 200 providers to aggregate your best offers. Januario says it’s all transparent and presented directly on your computer screen.

“Pun intended, but it’s very black and white,” he says, quoting the company’s motto.

How The Zebra Works

Here’s how this company could save you money on car insurance:

  1. Head over to The Zebra’s search platform.

Enter your car’s year, make and model, and your zip code. Then answer questions about your driving habits and lifestyle.

On the right sidebar, you’ll watch estimated rates increase or decrease based on your answers. For example, if you’ve gotten into an accident — that was your fault — in the past three years, your rates will kick up. It’s interesting to see what effect your answers might have.

  1. After about two minutes of questions, it’s time to compare.

The Zebra gives you what it calls an insurability score, which is similar to your credit score, except for car insurance. It helps teach you how to get better rates. You can also play with various coverage options to see how that might affect your rates.

  1. If you find an insurance plan that fits your needs, you can secure it through The Zebra. And if you have questions, you can call a representative, which was one of Januario’s favorite features. He was able to ask any and every question he had.

An Honest Review of The Zebra

“It’s not just because my girlfriend works there,” says Januario. “I would honestly recommend the site to anybody.”

It’s a sentiment he repeated twice during our conversation.

“Literally the night I used it, I had seven of my friends and family on there,” he says. “And they all said the same thing. They loved it.”

One of his favorite aspects of The Zebra is its insurability score.

The tool grades you (like a report card) on your driving record, annual mileage, insurance history, age and vehicle usage to determine your score, ranging from 400 to 950. You’re able to see how you compare to the average person in your area and see exactly what you can do to increase your insurability score and therefore decrease your rates.

The idea behind the score is to make car insurance more transparent — to help you understand why you’re paying what you’re paying or to know whether you deserve a lower rate.

Januario explains his situation before discovering The Zebra:

“It was just my agent telling me I was getting a good rate. Whereas with this, I can get a good rate for myself, because I know what I can control.”

The Zebra also housed all the information he needed. It fed him useful tips. For example, he learned if he paid for six months of insurance upfront, he could save money. He otherwise wouldn’t have known that.

Additionally, the site offered tons of articles and answered all his nitty-gritty questions: What if my friend is driving my car and gets into an accident? Why can’t you get insurance right before a hurricane?

He also loved that he could do a search online but then talk to a real-live human through The Zebra’s customer-service line.

The representative encouraged Januario to call back every six months or so, something he never previously considered. But because all those factors that loop into his insurability score can change within six months, he could get a better rate.

“Because even if it’s an extra $5 a month or whatever it is… it’s a couple of extra bucks in your pocket, which everybody loves,” he says.

With the $360 he’s saving this year by purchasing a plan through Kemper Insurance, Januario is hopping in his, ahem, insured Toyota Camry and taking a weekend road trip out to Texas Hill Country with his girlfriend.

“The Zebra is literally there to save me money, which I think at the end of the day, that’s what everybody wants,” he says.

To get your free car insurance quote, simply enter your zip code here. In about two minutes, The Zebra will aggregate a ton of options for you.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder http://ift.tt/2rE7RKC

Calling All Seniors: This Writing Contest Is Just for You ($100 Prize!)

Are you looking for a place to showcase your awesome writing skills? And to win some prize money, to boot?

Great! We’ve got a writing contest for you.

Oh, just one quick thing: This contest is only for those of you born before 1953.

That’s right, Ageless Authors, a publishing project dedicated to showcasing the work of senior writers, is holding its annual writing contest. This contest is exclusively for those age 65 and older.

Whether you’re a professional writer with 30 years of experience or an amateur who has never published your work, Ageless Authors wants your story. You can share a personal story, write an essay, create fiction, nonfiction — even compose a poem.

So get to typing and submit your work today!

If you don’t meet the age requirements, don’t worry. There are tons of side gigs out there just begging to put some cash in your pocket.

Apply for the Ageless Authors Writing Contest:

Prizes: First place, $100; second place, $75; third place, $50

Three winners will be chosen in each category. Along with cash prizes, the winners will also receive a certificate and a copy of the Ageless Authors Anthology. The best entries will also be published in the 2018 anthology.

Guidelines on length and format:

  • Poetry should be no more than 50 lines
  • Both short stories and essays should be no more than 3,500 words
  • Use Microsoft Word to submit a .docx file
  • Do not provide footers, headers, page numbers, endnotes or footnotes

Applicants have three different topic categories to choose from. You can submit multiple entries for each category, but each individual entry has a $20 fee.

This year’s categories include:

Entries can be personal stories, complete works of fiction or even a mix of both. It’s all up to you! Check out more descriptions on the topics here.

Deadline to apply: Feb. 28

Click here to submit your entries and find more information about the Ageless Authors Writing Contest.

Kaitlyn Blount is a junior staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder http://ift.tt/2FfBT9q

Here’s Why Some Companies Are Offering Better Benefits to Hourly Workers

 

One sign that companies are having difficulty finding good help? Starbucks announced on Wednesday a boost to benefits for hourly workers on the parental path.

In addition to raises for hourly and salaried employees, which they credit the new tax law for allowing them to give, the coffee titan announced two developments of special interest to families:

  • Expansion of their paid family leave for hourly workers. They’re upping it to six weeks of paid leave for non-birth parents (such as dads and adoptive parents) to match their six weeks of paid leave for the birth moms.

    Previously, the bean baron gave no paid leave to non-birth parents, but two vocal baristas, who lodged complaints that hourly employees should have the same benefits as their salaried counterparts, might have spurred the change.

    The salaried set still gets the bigger benefit: 18 weeks paid leave for birth moms and 12 weeks for the other parent.
  • Creation of a partner and family sick-time benefit. This policy allows hourly employees to accrue sick time at a rate of one hour for every 30 hours worked. So in one year, a barista working 23 hours a week would accrue five sick days. The time can be used for personal sick days or to care for family members.

These are just two examples of the many parent-friendly benefits companies are starting to offer to attract and retain qualified workers. Earlier this month, Walmart announced it’s offering 10 weeks of maternity leave to its full-time hourly employees.

After pay, benefits are a big selling point for a job, so parents who take an hourly job because they need the flexibility are more likely to be attracted to benefits that help them most. And according to a 2017 Pew Research Center study, 69% of Americans said they took off less time than they wanted to take because they couldn’t afford to lose more income.  

Why Are Companies Being So Generous?

More companies might be considering benefits for hourly workers that were previously a perk only for the salaried set because skilled non-degree workers seem to be in short supply.

Recent reports that weekly wages for non-degree workers jumped 2.3% indicate that companies are finding it difficult to find and keep their hourly employees.

Under the Family and Medical Leave Act, workers at companies with at least 50 employees are guaranteed 12 weeks of unpaid leave for the birth of a child or for a family member’s serious health condition.

But that’s 12 weeks without an income for a new parent or a person dealing with medical issues — not the ideal time to cut off your income.

Companies that want to attract and retain quality employees could finally be on track to recognizing paid leave and other perks for their hourly employees will — ahem — benefit all.

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder http://ift.tt/2GgP7nR

If You’re Grateful to Those Who Serve, Here’s a Free Way to Say Thanks

What if you could bump up your karma points just by taking two minutes to do something nice?

Karma is always watching, so you could use the extra points. (You know what you did.)

Military care packages provide small moments of happiness for soldiers deployed overseas. Personal notes sent with snacks and other items they enjoy can break up the monotony of their day-to-day routines. Seriously, it’s something they can look forward to while they deal with being far away from their families and friends.

Thanks to Crown Royal, that whisky brand from the Great White North, you can send a care package to our troops serving overseas without spending a dime or more than a few minutes.

Send a Care Package to Troops for Free

Crown Royal has teamed up with Packages From Home for a special promotion that lets you “pack a bag” to send to a member of the U.S. military who is stationed overseas.

It’s easy. Simply go to the promotional website, and choose four items to put in your package. The choices are chips, nuts, coffee, lip balm, instant oatmeal, cookies, pretzels and tea. Lip balm? Yeah, that’s on the list of things soldiers really want to see in their care packages.

Once you’ve picked your items, you can add a personal message. Then, provide your email address and hit “Submit.” That’s it. Packages From Home will take care of the rest and send your care package to a grateful soldier.

Unfortunately, you can’t specify where the package goes or choose a friend or family member to receive it. It’s a random act of kindness for a stranger in our military. You can get on board with that, right?

And before you ask, no, you don’t get to send them any whisky. Trust me. I looked. I really looked.

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, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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

Here’s How You Can See 9 Oscar-Nominated Films for Just $4 Each

Whether you’re a total cinephile or just someone who really loves a good movie once in a while, this one’s for you.

Regal Cinemas and Cinemark have discount passes to see this year’s Best Picture nominees in the lead-up to the 90th Academy Awards on March 4, 2018.

See Oscar-Nominated Movies for Cheap

On Jan. 23, the Academy of Motion Picture Arts and Sciences announced its list of 2018 Academy Awards nominees. Nine films were nominated for Best Picture, including  American comedy-drama, “Lady Bird,” horror film “Get Out” and World War II epic “Dunkirk.”

In years past, silver-screen junkies have scrambled (and paid through the nose!) to see all the Oscar-nominated films in theaters before the swanky awards show took place.

But these deals make it possible for movie connoisseurs to see all nine nominees for just under $4 each.

Here’s How to Get Your Passes to See All 9 Movies

Regal’s Best Picture Film Festival runs from Feb. 23-March 4, and you can purchase your $35 pass now through the theater’s iOS or Android app. Cinemark’s Oscar Movie Week, which also costs $35, runs from Feb. 26-Mach 4. Passes are available now. They might move quickly, so I suggest getting yours sooner rather than later.

Keep in mind, though, there are fixed showings for each movie, so make sure to check the schedule before dropping your hard-earned cash on this pass. You can find a schedule for Regal’s festival showings here, while Cinemark’s schedule varies by location of participating theatres.

Seating will be on a first-come, first-served basis, and you’ll still have to stand in line at the box office and flash your pass to get your ticket for each showtime. Non-passholders can also purchase full-price tickets to the festival showings, so be sure to head to the theater a little early to claim your seat.

But don’t let that deter you from grabbing the $35 pass. Compared to the typical adult ticket, you can save more than $7 per movie, if you take full advantage of this offer. In fact, if you were planning to see just three of these movies in the next month, you’re better off getting your hands on one of these passes.

You can pick up your passes at Cinemark theaters as early as Feb. 16. The Regal Cinemas passes are stored in the app, so there is no need to pick up a physical pass, according to a representative from the theater chain.

If you were planning to watch the nominated films before Oscar night anyway, then scooping up one of these deals seems like a no-brainer.

Grace Schweizer is a junior writer at The Penny Hoarder. Her mom is the biggest movie fanatic she knows, so she’ll be passing this deal along!

Jessica Gray is an editorial assistant at The Penny Hoarder and contributed to this post.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder http://ift.tt/2Gj564D

Sephora Will Hook You Up With a Free Face Mask on Friday (See You in Line!)

Let’s face it, Fridays have all the fun, and this Friday is no exception.

On Friday, Jan. 26, you can get a free Sephora Collection face mask at Sephora stores in the U.S., Canada and inside J.C. Penney stores.

There is just one tiny catch, though. But it’s kinda neat.

You’re One Small Test Away From a Free Sephora Face Mask

Before getting your free face mask, you’ll need to have your skin scanned with a device dubbed the “moisture meter,” according to a local Sephora staffer here in St. Petersburg, Florida.

With a noninvasive press into your skin, the moisture meter reads your skin type to find the mask best suited for you. Yay, science!

After that, you’ll walk away with either the Sephora Collection Rose or Pearl face mask, while supplies last.

Remember, this is a one-day-only deal on a one-time-use-only face mask.

Goodbye, Friday night plans. Hello at-home facial!

See you in line!

Stephanie Bolling is a staff writer at The Penny Hoarder, and she may go to Sephora just to find out her skin type.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder http://ift.tt/2DB402L

Are Free Checking Accounts an Endangered Species?

Bank of America announced this week that it has ended its effectively-free eBanking account, moving the last of those customers into the bank’s Core Checking accounts instead.

The eBanking service wasn’t technically a free checking account, but it was pretty close – because it was quite easy to get around the fees. As long as you agreed to get statements electronically and avoided going to a real-live bank teller, the $8.95 monthly fee was waived.

By contrast, Core Checking charges a $12-a-month maintenance fee that’s more difficult to avoid — especially for low-income customers. To dodge that fee, account holders need to jump through higher-priced hoops, either keeping a minimum balance of $1,500 or more, or getting at least $250 direct deposited each month.

The change has sparked outrage and backlash, but as much as I’d love to hate on Bank of America, they’re more or less just doing what all the other big banks do. As The Atlantic notes, Wells Fargo, U.S. Bank, and others have scaled back their free (or de facto free) checking options in recent years. And most Americans probably haven’t noticed.

That’s because the big loophole in this racket – the way most of us avoid paying obnoxious fees for a checking account that yields little or no interest whatsoever – is to link up a direct deposit to your account. And that’s a pretty easy thing to do… for most traditional workers.

The trouble is, not everyone has this option at work – and it’s often the poorest Americans who don’t, and thus get stuck paying such fees. A 2017 study by Bankrate showed Americans earning less than $30,000 a year pay three times as much in bank fees each month.

Using Direct Deposit to Avoid Checking Fees

Banks don’t want customers keeping a stale account open indefinitely with just a few bucks in it. After all, they make their profits by lending your money to other people and charging them interest on the loans, and through various fees when you use your account.

But if they know you’ve got a consistent cash infusion coming in via direct deposit, they can feel more comfortable lending more money out, and they know you’re going to use the account regularly to access your cash – eventually paying an ATM fee here or there, or using your debit card to make a purchase.

So they crave a steady, electronic deposit. For most Americans, that’s no problem: If you hold a typical salaried job, or even if you receive government benefits, it’s pretty easy (or in the case of Social Security and VA benefits, mandatory) to request electronic direct deposit instead of receiving a traditional check in the mail.

However, not everybody draws a regular paycheck or gets paid electronically. If you’re self employed, your income might fluctuate wildly, and there’s no single payroll department you can ask for direct deposit. If you work for cash, tips, or on a per-diem basis, it can be tricky to meet the direct deposit requirement as well.

Alternative Ways to Get a Direct Deposit and Avoid Account Fees

If you don’t have a regular paycheck coming in, here are some other ways you might be able to meet the direct deposit requirement to waive your checking account fees (check with your bank to make sure):

Side hustles: If you’re able to earn some money on the side through sharing economy services — driving for Uber or Lyft, for example, or hosting visitors through Airbnb – you’ll generally be paid electronically through direct deposit.

Person-to-person transfers: Share an apartment? Have your roommate set up a direct monthly transfer for their share of the rent using a service like Venmo or Zelle. Some banks will consider that a direct deposit.

Automatic savings: If you have a free online savings account with a bank such as Ally or Capital One 360, you could set up automatic transfers to your checking account that might qualify as direct deposits. Of course, you’d ideally be moving money the other way — automatically stashing a few hundred dollars a month from checking into savings — but this method could nonetheless help you avoid a maintenance fee if you’re between jobs or decidedly entrenched with your brick-and-mortar bank.

Better Bet: Open a Free Checking Account Online

But why go through all that hassle, when free checking accounts do still exist? You can open a free checking account – one that will even pay you a small bit of interest – through an online bank, with no fees or minimum balance.

Capital One 360 and Ally Bank are two of the biggest names in online banking, with good options for both checking and savings accounts. Capital One 360 has some physical banking (and cafe) locations around the country, which gives them a slight edge if you happen to live near one.

Here’s what you can expect with a truly free checking account from an online bank:

No fees or minimum balances: Most online accounts have zero maintenance fees, and don’t require you to keep a minimum balance. Both Ally Bank and Capital One 360 offer a free book of checks, too – a courtesy my physical bank never extended to me – and free or cheap ($0 to $5) refills.

Large ATM network: Both Ally Bank and Capital One 360 allow fee-free ATM withdrawals from a network of more than 39,000 Allpoint ATMs, which you can find in convenience stores, pharmacies, and other locations. Ally will also reimburse you for up to $10 of other ATM fees per month.

It helps to have a smartphone: Perhaps the trickiest thing about using an online checking account, particularly if you don’t have a direct deposit option at work and you’re living paycheck-to-paycheck, is depositing paper checks. It’s super simple, if you have a smartphone: Just snap a photo of the signed check within your bank’s app and fill in the deposit information. If not, you can still deposit a check by mail, but that will take a few days (a tough wait if you need the money soon). Capital One 360 users can deposit checks at some Target stores as well as Capital One locations.

The best part is, instead of threatening to bilk you with monthly maintenance fees, these accounts actually pay you. Both Ally Bank and Capital One 360 offer competitive interest rates on their free checking accounts – a feature you rarely find at a legacy bank unless you’ve got upwards of $20,000 dollars in your account.

Don’t put up with checking account fees.

The moral of this story is, you don’t need to pay Bank of America (or any other banking giant) for the privilege of letting them use your money to make more money.

If a free online checking account doesn’t meet your needs, because you don’t have a smartphone, typically need access to your money more quickly, or simply cherish face-to-face banking – remember to check out local credit unions in your area, which are often more community minded and run less like a profit-crazed financial Goliath.

Here are some more resources if you’re looking for low-cost banking or free checking options:  

The post Are Free Checking Accounts an Endangered Species? appeared first on The Simple Dollar.



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

Your Dog Will Probably Never Get Food Stamps, but These Resources Can Help

Families facing difficult times can apply for the Supplemental Nutrition Assistance Program. But what about their pets? They need to eat too.

One man, buoyed by nearly 85,000 supporters as of this writing, has petitioned the U.S. Department of Agriculture to change that.

Edward B. Johnston Jr. wrote in his petition on the website Care2 that he has received SNAP benefits for just a few months but can’t feed his dog because of SNAP regulations.

“Some argue that people should not keep pets if they cannot afford them, but the fact is that an individual or family’s financial status can change at any time,” Johnston wrote. “Should someone be forced give up a pet they’ve had for years just because they hit a financial rough patch?”

The restrictions on who can receive food assistance and under what circumstances is already the focus of much debate, especially in light of recent budget cuts under the Trump administration.

A representative from the USDA wrote in an email that the Food and Nutrition Act of 2008 defines eligible food as that purchased for home consumption. A SNAP guide on the USDA website confirms that pet food is not eligible; soap, paper products and vitamins don’t make the cut, either.

But feeding pets is a struggle in many households facing financial difficulty. At the height of the recession, animal welfare organizations and veterinarians noted the impact of financial stress on pet owners, who in many cases had to give up their pets. The Humane Society of the United States even offered a Foreclosure Pets Grant Program in 2008 and 2009 to boost local programs that help keep pets in their homes.

The ASPCA estimates that 6.5 million pets enter animal shelters in the U.S. each year. A survey of 12,000 people conducted by the organization in 2015 found that 18% of respondents who surrendered a pet did so due to housing problems.

Pet Food Banks Can Aid Struggling Pet Owners

The economic stress of the recession also led to a rise in pet food bank programs, according to a 2011 report by Stacy Nowicki in the Stanford Journal of Animal Law and Policy.

Friends of Strays, a no-kill animal shelter in St. Petersburg, Florida, has offered a pet food pantry since 2015. Pet owners receiving food stamps, HUD assistance or Social Security benefits may visit the shelter on a designated day each month to receive food for their dogs or cats.

Shelter community relations manager Claire Wray said about 40 or 50 people line up each month to receive pet food. It’s so popular that the program is changing to allow the pantry to be open whenever the shelter is. “They’ll get a limited amount of food,” Wray said, “But they can come as often as they need, rather than waiting for one day each month.” Along with food, each person in line receives a list of other local services where they can seek help caring for their pets during difficult times.

Contributions from the community and local businesses help the shelter distribute more than 20,000 pounds of pet food each year, to individuals, and other rescue shelters and social service providers in the area.  

“Our motivation is to keep as many pets as possible in their homes rather than have them surrendered to the shelter,” Wray said.

The Humane Society of the United States and Best Friends Animal Society list resources for struggling pet owners by state, including food banks, low-cost spay and neuter programs, and temporary foster programs.

If you struggle to afford your pet’s medical care, there may be an organization that can provide a grant to cover costs. Meanwhile, if you’re facing housing instability or homelessness, some shelters may accept pets.

But this petition for pet assistance likely needs more than 85,000 signatures to catch the government’s eye.

Lisa Rowan is a senior writer and producer at The Penny Hoarder. She is a volunteer at Friends of Strays.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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

Unemployment: Pa.'s greatest fear?

While 2017 was a year that found people concerned with immigration, policy, crime and a myriad of other things; the thing that worried Pennsylvanians most might surprise you.According to an analysis of Google Trends, Pennsylvanians most searched safety concern was unemployment; but the fear may just be paranoia according to local experts.“What we have seen is not indicative of that, there are jobs out there. We have a lot of employers looking for people to work. If [...]

Source Business - poconorecord.com http://ift.tt/2DyKW5c

Financial advice: The good, the bad and the ugly

Financial advice: the good, the bad and the ugly

Good advice may be priceless and welcome but bad advice is worthless, which makes it dangerous. We asked 10 leading financial experts to reveal the very best and worst advice they’ve ever heard.

Helen Howcroft, managing director of Equanimity IFA, has come across plenty of good and bad financial advice in her time. She tells us: “The best bit of financial advice I got was from my grandfather, who was brought up in the depression and the inter-war years and was very sharp on money matters. He told me from an early age that the best thing I could do was to get on the property ladder because if I didn’t I’d just be paying off someone else’s mortgage.

“The worst advice was to buy accident insurance. Yes, it may just be worth it if you are a cyclist or biker in central London, but for the rest of us it’s a waste of money. We’re all likely to live past 65, so the £7 a month these policies cost is money better spent elsewhere.”

Patrick Connolly, chartered financial planner at Chase de Vere, tells us: “The best advice came from my mum when I was 18 and off to university. She told me to never spend more than I earn. I qualified for a student grant in the days before students got hit with huge tuition fees. I’ve maintained this philosophy and have never even owned a credit card. If I can’t afford it, I don’t buy it. This also means that, with the exception of buying my house, I’ve never been in debt. 

“The worst financial advice that I can recall happened many years ago when Sunderland Football Club was looking for a new manager. A friend of mine said that he had a contact with a sports journalist in the North East and he had been told that Sunderland were talking to Kevin Keegan.

“He advised me to bet on this and so he and I put on bets with the bookmakers at odds of 66-1, 50-1 and 33-1. We then sat back and waited for the big announcement so that we could collect our winnings. Unfortunately, it never happened – my first and only attempt at ‘insider dealing’ ended in failure.”>

Juliet Schooling-Latter, research director at Chelsea Financial Planning, reveals the best advice she’s received was a savings tip. She says: “Don’t be greedy. Save some for the next man was what I was always told, and it’s true. You may see an investment rise 10% after you’ve withdrawn your cash, but it could then drop by 30%. So be happy with what you make.

“When it comes to bad advice, where do I start? Probably pet insurance. It costs a packet, gets more expensive as your cat grows older and there are more exclusions added all the time. The amount you spend could surely be better used dealing with problems as and when they arise.

Martin Bamford, director at Informed Choice, tells us: “I had a client approach me five or six years back with a terrible problem. She had been advised to take out a £400,000 loan with the aim of making £700,000 through a traded endowment policy run by an offshore firm based in the Cayman Islands. We pointed her in the direction of a good solicitor.

“I’d say advising against getting life cover is bad advice every time. Only recently, we had the case of a father who slipped on a step ladder and died, leaving his wife and kids behind. He had life insurance, so, while it was a tragedy, the mortgage was covered.”

Michelle Cracknell, chief executive of the Pensions Advisory Service, offers these nuggets: “My father opened up a National Westminster (NatWest) Bank account for me at age 10, where he was a guarantor. He sat me down with a small ledger book and showed me how to do a simple double entry accounting of the ins and outs of my bank account.

“While the little book has been replaced with a digital version, I still benefit from the budgeting achieved from keeping a record of my expenditure and, over the past 40 years, I have received refunds from incorrect amounts being deducted from bank accounts or added to credit cards.

“The worst advice that I received was from a friend of a friend whose work and retirement strategy was buying houses to rent and he was looking for partners in this venture. His brother supposedly had given up work at the age of 42 and was now sorted with an income in perpetuity.

“His brother was then hit by a number of non-paying tenants and had not factored in the dilapidations of the property. Luckily, the other partners did not materialise and I used my money to pay off my mortgage.”

Scott Gallacher, director at Rowley Turton, says: “The best advice, from a colleague, was to pay myself first. That is, to make any savings and pension contributions at the start of the month before I spend the money. I followed this advice from age 30 and effectively forewent pay rises for several years and instead paid those pay rises into my pension. This allowed me to reach a 15% contribution rate with no real change in my standard of living.

“The worst advice was probably to buy a Bulgarian holiday property. Fortunately, I declined this advice and have since met several people with Bulgarian holiday properties that they do not use nor rent out. Effectively, this is sunk money.”

Michelle Lawson, director at Lawson Financial, says: “For me the worst advice is always from friends, people down the pub, and so on, who may have only had one mortgage and then tell their friends what is best for them. I had a client recently come to me for professional advice, which I gave. They said they’d run it past their friends who had just bought their first property! Their friends then ended up saying that the deal that they had was better. What they didn’t discuss was their credit history and deposits, as their financial situations were poles apart.

“The best advice for me is for people who recommend their friends to take advice from a qualified individual who knows the industry, products and lenders. I love getting recommendations as they show I have done a good job and I know the clients trust my judgement.”

Dennis Hall, chartered financial planner at Yellowtail, says: “Back in the mid90s, I’d recently moved from Devon to London. I was working for a bank alongside other fi nancial advisers, and I assumed they would be more knowledgeable than me.

 “One considered himself a stock picker, boasting about how he’d quadrupled his money buying shares in Devro, the sausage skin manufacturer. When he tipped another Initial Public Offering for a Chinese manufacturer of cotton toilet tissue, I piled in. I lost my entire investment, and so did he. Shortly after, he also lost all the profits he’d made on Devro.

“The best advice I’ve received came out of a conversation with a former member of the Bank of England Monetary Policy Committee (he was a client). He was describing how each month they met over two days, and in traipsed the economists, one after the other, predicting what would happen in the future and making excuses why previous predictions did quite pan out.

“The bottom line is, no one knows and no one can forecast with any degree of accuracy or consistency. That conversation completely changed my thoughts about investing. From then on, I avoided ‘speculative’ and expensive active management and built a strategy based on capturing market returns as cheaply as possible using index funds.”

Annabel Brodie-Smith, communications director at the Association of Investment Companies, received good advice from an ex-colleague: “Save £50 every month in a global investment company. It’ll grow over time and regular saving smooths out the highs and lows of the stock market, so you can sleep soundly at night.”

Her worst advice came from home: “My father was not comfortable investing in the stock market. I remember him saying: ‘I’d prefer to invest in bricks and mortar – there’ll always be a need for property, Annabel.’ He subsequently invested in two student let houses.

“Yes, they generated good rents, but something was always going wrong, which needed money spending on it. It would have been less hassle if he’d invested in an equity income fund.”

Aaron Strutt, communications director at Trinity Financial Group, imparts the following practical advice. “Someone I know, who was brought up in America, said her mum used to lend her and her four siblings money, charging a little interest. She learnt more about finance through her mum than at school. Incidentally, her mum’s rate was better than the bank.”

Aaron adds: “I can’t put my finger on any specifi c piece of bad advice. Then again, I’d ask my dad if I was unsure of something fi nancial.”

Dan Moore writes for publications such as the Times, FT Adviser and This Is Money.

Section

Free Tag

Related stories

Twitter



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

5 Steps to Take if You Think Another Government Shutdown Is Imminent

If there was a time to hoard your pennies, it is now.

A government shutdown may not affect you directly, but for many, it could mean going without a paycheck for an undetermined amount of time

We don’t want you to shoulder that financial stress alone, so we’ve compiled a list of five ways to pinch your pennies and maybe earn a few until we’re on the other side of this crisis.

1. Revisit Your Budget and Cut Where You Can

If you don’t have a budget, it’s OK, but you need to make one soon.

If you do have a budget, but you spend outside of it and never get around to adjusting it, you need to be honest with yourself and your wallet. Start tracking as many expenses as possible so you know where you stand.

Once you get that in order, get out the scissors and start trimming the fat.

You might start by downgrading your monthly cell phone plan or cutting the cable bill.

Then you can move on to more aggressive tactics — like paying only the minimum on bills, pausing investments, changing your W-4 withholdings, skipping the monthly subscription boxes or magazines, bringing your lunch or experimenting with DIY gifts and personal care — to help save for some of those expenses you can’t avoid.

Once you get the hang of it, you’ll be a budget ninja, and you might just find a new way of life. And depending on how long you remain unsubscribed from a service, you may qualify for a sign-up bonus or a new customer deal if you decide to subscribe again and save more in the long run.

2. Stash Your Cash

All your budgeting and cutting will help keep your cash flow heading the right direction.

Since you may not know when your next payday will be, the best decision is to have as much cash on hand as possible.

Think of it like an emergency fund: That cash will be there to help cover your most essential expenses, like food and shelter.

If you’re a federal employee or service member, consider a no-interest loan from a federal credit union or the no-interest payroll advance loan USAA offers members during a shutdown to keep the income stream flowing.

With a few tricks, you can get cash positive and work toward building up bucks to guarantee your physical and financial survival during the shutdown.

3. Talk to Your Creditors

Scared to let the payment slip or worried about making just the minimum payment?

Call your creditors, no matter how embarrassing, annoying or inconvenient it may seem.  

Many credit card companies offer hardship programs that include reduced fees, lowered interest rates, structured payment schedules and lower minimum payments. But use these cautiously, and make sure to ask your credit card company plenty of questions because these programs may result in negative marks on your credit score.

If you’re unable to get hardship assistance, you may want to consider applying for a new credit card with a zero-interest promotion. You can roll some or all of your credit card debt onto this card to help lower your payments and accrued interest.

Mortgage companies offer a variety of loan modification programs that assist qualified borrowers with reduced interest rates or extended loan terms.

Reaching out directly to the creditor shows you care and intend to pay. Most will work with you and your budget, and some may even allow you to defer payments. Wouldn’t that be a relief and totally worth the call? Yeah, we think so too.

4. Find Alternative Income Sources

We have your back. We write a lot about the many ways to keep a stream of income flowing and opportunities to make extra cash on the side.

You can consider quick cash grabs, like selling some of your collectibles online or having a yard sale. You may also find a side hustle that’s right for you, like a temporary gig serving at a restaurant or bar, doing odd jobs or even selling your plasma.

You can also make money from home doing something as simple as babysitting or renting out an extra room to ease the shutdown blues.

Don’t be afraid to talk to your family and friends about your shutdown situation. They may have the perfect odd job for you or know someone who does. Get all the feelers out there to help you stay afloat during uncertain times.

5. Have Sense With Your Cents

Ultimately, be smart with your money. You know yourself and what you can afford. If you need to trick yourself into spending less or saving more, do that.

There are apps that save money for you automatically and others that help you find the best deals on the things you have to buy.

As much we’d love to see you go slash-happy on your debt, now’s not the time to go gangbusters. Stick to the minimums to keep your creditors at bay and stack as many Washingtons, Lincolns and Benjamins as possible.

Having sense is using your better judgement and willpower to resist those impulse buys and hold off any treat yo’ self splurges.

Limit your temptations, and remember that if a shutdown happens, it will only be temporary. You’ve got this!

Stephanie Bolling is a staff writer at The Penny Hoarder. She prefers to stay cash positive.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder http://ift.tt/2DAmpR4

Planting Seeds for the Future

When I was in college, I would often visit the office of my college mentor on Friday afternoons after my last class. He was a kind elderly professor who would direct me to sit down, quietly light up a pleasant-smelling pipe with his window open (he came into the habit of smoking a pipe when such things were permitted on campus, but occasionally enjoyed the practice with his window open on a breezy day even after they were outlawed), and would ask me questions about my life, listening intently and occasionally share nuggets of really valuable advice.

I miss him greatly.

He shared lots of useful ideas over the years, but one of the most valuable things he ever shared with me was the idea of planting seeds for the future.

Basically, he encouraged me to spend some time every day doing something that would not pay off any time soon and might not ever pay off in any way. Don’t expect anything in return from it, but know that some of those seeds that you plant will eventually bloom into something wonderful, and some of those wonderful blooms will come back into your life, often when you least expect it, to lift you up.

It’s a practice that I’ve tried to do ever since then, with varying degrees of commitment and constant effort. I followed the practice quite a lot in my later college years and at the very start of my professional life, let the practice fall to the side for several years as I dealt with the start of my marriage and having children, and I’ve picked it up again in the last few years.

Why did I pick it up again, you ask? I picked it up again because I saw how well it worked.

There were a few times in the last several years where something that I once did for someone with no expectation in return came back into my life and lifted me up unexpectedly. In each case, it was a “seed” planted years and years ago, and in each case, it was something that I had completely forgotten about until I was reminded of it.

There were also a few times when I saw something going on in someone else’s life, a great thing, that I played some role in starting. I discovered someone on the periphery of my life who was on a far better trajectory than they would have otherwise been on. Not only did that simple fact alone lift my heart, I came to realize that those people were often going around planting seeds as well. Even more than that, I was often indirectly lifted by their good fortune and by the seeds that they had planted themselves.

Those seeds in bloom have helped people I know find new career opportunities, new love interests, new spiritual practices, and many other things. Beyond that, some of those people have helped me to find financial, professional, and personal opportunities in my own life, and have helped my family, too. Beyond that, I’ve seen other people “pay it forward” in various ways that have lifted yet other people in my life, and beyond that is a ripple effect that has improved the entire community I live in.

That’s a pretty powerful effect for something that typically just takes a few minutes here or a few minutes there.

I’ll give you one very specific example, something that happened to me just a few months ago, but the story starts much earlier.

In 2003, I went to a conference related to my job at the time, and at that conference, I spent about two hours, split across two or three days, talking to a person who seemed to be struggling with a career path forward. I mostly just listened to this fellow and gave him a little bit of encouragement and asked a few tight questions. We met during a poster session and then ate breakfast together for a couple of days and that was it. I literally never saw him again, as for some reason we didn’t exchange contact information.

About six months ago, I was at a tabletop gaming convention when out of nowhere, someone shouted, “Trent? Trent!” It was him, and not only did he remember my name, I came to find out that our conversations had changed the direction of his life. He went home, thought things over, and made some major changes in his life. He wound up being involved in the board game publishing industry. He gave me a gigantic hug and then loaded down my arms with a bunch of free games from his booth and proceeded to tell everyone within earshot about how I had changed his life. I felt awkward and overwhelmed by it. However, I’ve found myself playing some of those free games with my children and I’ve had a few wonderful conversations with him in the interim.

It was a seed that was planted, one that I completely forgot about until the blooms caught me by surprise.

Over the years, I’ve learned that a few planted seeds helped me to get my first job out of college. A few planted seeds helped me to get through a rough spot in my relationship with my wife-to-be, probably the most difficult patch we’ve ever had. A few planted seeds helped The Simple Dollar to become successful. One particular planted seed helped to start the ball rolling on what turned into one of my child’s closest friendships.

Seeds I planted long ago, with no expectation of anything in return other than the hope that someday it might be paid forward to someone, have consistently lifted my life personally, financially, professionally, and spiritually.

So, how do you plant seeds like this?

First of all, a good seed is one that purely benefits someone else. When you can do something that can help someone else find a better track in life, you’re planting a perfect seed. There are many ways to do that, as we’ll get to in a moment, but that’s the core idea here.

Second, don’t expect returns. The vast majority of seeds you plant won’t develop into anything at all, at least not anything that you notice. It’s very likely that the seed is caught by the wind and drifts far away from you, or it’s planted in infertile soil. That’s okay. Never expect anything in return. Do it for the sole good of helping someone else out.

Third, plant lots of them. Don’t do this once or twice over the course of a week and give up on it. Make this a regular practice and plant lots of seeds everywhere, no matter where you go.

Finally, be patient You might plant a seed every day for six months and see nothing. That’s okay. Many things take a very long time to germinate. Some are forgotten. Some leave your life entirely. It’s all perfectly fine.

Need some ideas? Here are twenty five seeds you can start planting all over the place in your own life.

25 Seeds for the Future

Seed #1 – Help someone with a simple errand. Help someone with something as simple as picking up a few items for them at the grocery store or dropping off a package for them. Mow someone’s lawn for them while they’re traveling or pull a box off a friend or neighbor’s front step and shoot them a text to let them know you picked it up before a thief could. If you’re out blowing snow at 5 AM, blow the snow off their driveway, too. Little thoughtful tasks like that make an enormous difference.

Seed #2 – Help someone move. If you know a friend is going to move soon, offer to help him or her with the move. You can help them fill up their car or their moving van, and help them unload if they’re moving locally. If they’re moving far away, you’ll help make a difficult transition a little easier and be a final positive reminder of a stage in their life.

Seed #3 – When you see someone struggling, offer to just listen. Often, people who are really in a tough spot just need someone to talk to who will listen. Just offer to be that ear. Say, “Sounds like you’re in a tight spot. I don’t know what I can do to help, but I can listen.” Follow that up with an offer to meet for coffee somewhere, and foot the bill if it’s easy for you.

Seed #4 – Take care of a parent’s child or someone’s pet when that person is facing a true emergency. If someone is dealing with a major life crisis, just step in and take care of their pets or their children automatically. Simply say “I’ve got your pets” or “I’ve got your kids” and tell them not to worry about them at all and you’ll take care of it. Make it seamless for them.

Seed #5 – Sign up for volunteer work. You’d be surprised how many life seeds get planted when you’re engaged in volunteer work. Not only do you sometimes plant seeds in the lives of the people you’re serving, but you’ll sometimes do the same in the lives of the people you’re working with. The simple act of service makes an enormous difference.

Seed #6 – Call someone you love and make the conversation entirely about them, by listening and asking questions rather than talking about yourself and your feelings and situation. It’s easy. Just call them up and ask how they’re doing, then listen intently. Ask lots of follow up questions. Answer any questions they have in return, but avoid turning the conversation into being all about you. Listen, ask questions, and leave that person feeling really valued.

Seed #7 – Check in consistently on a friend or loved one who you know is struggling. Checking in on a struggling friend or loved one isn’t just a one-time thing. Make it into a routine. Send a quick message once every day or two just to make sure they’re okay when things are really bad, and then maybe reduce the frequency a bit when the core crisis has passed – but don’t let the ball drop until everything is really good again.

Seed #8 – Step in to take over household chores during emergencies and personal crises. Bring someone a fully prepared dinner or stop in to prepare it for them (give them notice, but just tell them you’re going to do it). Take their trash can out to the roadside for them. Take a small burden off of already burdened shoulders and it will be remembered.

Seed #9 – Give a strong, positive personal testimonial or reference about someone else. Giving someone a strong reference when they haven’t even asked for it, generally when that person isn’t even around, not only helps plant a great seed in that person’s life, but it can also plant a seed in the life of the person you’re giving the recommendation to if that person is a good fit. Speak positively of others when they’re not around.

Seed #10 – Offer to review someone’s work before they submit it and review it carefully and thoughtfully. If someone is really stressed out about submitting a paper or finishing off a big project, offer to just look it over for them to see if you notice anything amiss. Pay close attention and try to find any minor details that need fixing, as an attention to detail is a demonstration of care, but do it in a way that’s very complimentary of the total package.

Seed #11 – Make a meaningful connection between two people in your life with the sole intent of those two building a healthy relationship independent of you. If you recognize some overlap or connection between two people in your life who may exist in very separate social spheres, seek to make that connection in some fashion without being overly aggressive. In other words, don’t try to be a “matchmaker” and set up blind dates, but just speak positively about the other person when speaking to someone. This leads into the next seed…

Seed #12 – Organize mixed dinner parties where you take care of all of the details and make it as easy as possible for people to attend. A mixed dinner party is where you invite people from different spheres of your life to a dinner party where they can meet each other and enjoy interesting conversation and maybe form the foundation of a friendship. The easiest way to make that work is to simply plan a dinner party on a particular day with all details taken care of – just give everyone a time and a place and what they need to bring, if anything. Choose potentially compatible people and think about some good conversation starters to nudge things along.

Seed #13 – Make someone’s favorite comfort food for them when they’re sick. Few things help more than delivering a pot full of homemade chicken noodle soup to a family with a few sick people at home. They can fill up a bowl and easily microwave it and a good pot will cover several meals. Simply showing up with it makes it so easy for them and so easy to accept, too.

Seed #14 – Write a handwritten thank you card for people in your life who have done something meaningful for you. Handwritten thank you notes are always a good move when someone helps you out, but they’re also a good move as a simple method of thanking a mentor or someone who may have played a foundational role in your life. Consider writing a few. If nothing else, it’ll make the recipient feel really good.

Seed #15 – Keep your home orderly so that you can tell people that your door is always open to them and mean it. Many people who struggle with organization find that they’re very reticent to inviting guests over. Overcome this by making a conscious effort to keep things clean and then make it clear to people that your door is always open to them, so that you feel joyous and ready to help when someone stops by.

Seed #16 – Take care of chores and errands for an injured or sick person; don’t ask, but tell them what you’re going to do. If a friend breaks their leg, for example, tell them that you’re going to mow their lawn for them on Saturday (or Sunday if there’s rain). Don’t ask if they need help – suggest something that you’re highly confident that they’ll need help with and say that you’re going to do it. That way, they don’t feel like they have to ask, and they see you as a very helpful friend.

Seed #17 – If you know someone is struggling with a particular issue, take the time to write some heartfelt and genuine positive advice for them. I do this regularly. If I know someone is struggling with something, I’ll simply write them a note that says, “Hey, I know you’re struggling with X. It isn’t easy and I’m always here to listen. Although my experience was a little different, I went through something kind of like this once a while back, and Y and Z helped me to get through. I’m going to give you a ring at X o’clock tonight just to see how you’re doing.”

Seed #18 – If you know someone is struggling to find work, send out feelers on your own social network to help them find work. Consider what skills they have to offer, then ask around and see if anyone you know has some sort of job opening they’re aware of for people with that particular skill set. This happens surprisingly often, and when it does, you can change a lot of lives at once.

Seed #19 – When someone you know creates something, share it far and wide. If a friend creates a new website or starts a podcast or makes an amazing woodworking project, share it. Let people know about it and how awesome it is. They’ll appreciate it and you may end up finding new fans for them.

Seed #20 – Draw a teenager into conversation and listen to what they’re saying. If you see a teenager sitting off to the side at a social event, sit down with that teenager and draw them into conversation if you can. If they start talking, listen in a very focused way and ask good follow up questions. Don’t bury them in your own advice, either; keep it on them unless they ask you for what you would do. Trust me, people remember who listened to them in their moments of feeling like an outcast.

Seed #21 – Write a note to someone in your own handwriting just telling them what they mean to you. This is a great way to touch back with a beloved old friend or a family member who has meant a lot to you over the years. Simply write about the things that person has done for you and how those things have made a profound difference in your life. This isn’t a thanks so much as a remembrance of who helped you.

Seed #22 – Volunteer for tough tasks in groups you’re involved with. Step up to the plate and do the tough tasks that no one wants to do. The person that does the awful tasks is the person that builds respect and trust within the group.

Seed #23 – Write down useful ideas that others share, and pass along good ideas you have to others. Make yourself into a conduit of good ideas. Make a practice of not only writing down your own good ideas, but the ideas you hear from others, but it goes beyond that. Don’t hoard your ideas. Pass them along whenever they are useful, and give credit to the source.

Seed #24 – Introduce yourself to familiar faces and get to know them by listening and asking questions. If you see someone often enough that their face becomes familiar, introduce yourself and get to know them a little by asking a few questions. Make an effort to remember their name, greet them when you see them, and, if possible, follow up in a positive way on some of the key things they’ve said to you.

Seed #25 – Find someone new in your profession and offer to genuinely mentor them. If you’ve reached a level of success in your career path, identify some new people on your path who show promise and humility and offer to mentor them. Take a direct interest in their career success, talk to them and learn what their goals are, and offer advice and help that will assist them in achieving those goals. Do it not for yourself, but in a genuine effort to lift that person up.

Final Thoughts

What you’ll quickly notice is that many of these seeds come down to a few things.

Listening.

Offering specific help when you see that it may be needed.

Being humble and giving credit to others.

Connecting people to each other without forcing it.

Expecting nothing in return.

Use those key principles as often as you can and you will constantly plant seeds in life. Most will remain dormant, but some will eventually bloom into wonderful things in your life and in the lives of others around you. The ones that do bloom will repay you everything you’ve invested and far more. Others will bloom outside of the sphere of your life and lift up countless other lives as well.

Make your life into a garden.

Good luck.

The post Planting Seeds for the Future appeared first on The Simple Dollar.



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

This Company Will Pay You $50 This Year Just for Downloading Its Free App

Do you have a laptop, tablet or smartphone? If so, follow me on a quick trip to some easy money.

You know Nielsen, the company that tracks TV ratings? It also measures the popularity of websites and online videos. To do that, Nielsen wants to pay you to let it anonymously collect information from your favorite web-surfing device.

And best of all, this won’t slow down your phone or computer.

Of course you have a laptop, tablet or smartphone. You’re a human being in the 21st century, after all. Shoot, you’re probably reading this on one of those devices right now.

Here’s the deal:

If you have a smartphone or tablet, the Nielsen Panel will pay you $50 a year to keep its app on your device and browse the web like you normally do. The information it collects remains totally anonymous.

If you have a desktop or laptop computer, you’ll receive entries into the company’s $10,000 monthly sweepstakes for every month you keep Nielsen’s software installed on your computer. Every month, 400 people win prizes, with the two top prizewinners taking home $1,000 each.

Super Easy to Set up

So, I tried this out. Here’s how it went:

It was super easy.

First I registered on the website for the Nielsen Computer & Mobile Panel. It took all of five minutes to fill out a brief survey with my name, the number of people in my household and what kinds of devices we use.

I was never asked for my Social Security number or bank account information or anything like that.

Then I downloaded Nielsen’s software onto my Asus laptop and my iPhone 6. I’m all set! At this point, I’m just waiting for the rewards to roll in.

For every month I have Nielsen’s app on my iPhone, doing its thing in the background, I earn points I can redeem for gift cards at places like Amazon, iTunes or Walmart. I can earn up to $50 in points by sticking with this for a year. Easy-peasy.

And for every month I keep Nielsen’s software on my laptop, I earn entries into Nielsen’s $10,000 monthly sweepstakes — 400 winners each get up to $1,000.

It Won’t Slow Me Down, Will It?

Nielsen knows the question you want to ask here:

Will this thing slow down my phone and/or laptop until it’s moving with the speed of an elderly turtle on sleeping pills and it’s driving me crazy and I can’t stand it anymore?

You know, that question.

It’s OK. That’s a perfectly valid question. We know you were thinking it. Many of us have had that kind of experience when we download a program like this onto our devices.

Well, never fear. Nielsen pledges its app is “noninvasive and won’t impact device performance.”

I can report that, so far, I haven’t seen any difference at all in the speeds of my phone or my laptop.

“The app is easy to install, won’t slow down your devices and sends us anonymous data about how you use the internet,” Nielsen explains. “Our app never collects the content of visited websites, and we do NOT collect user IDs, passwords or other private information.”

Pro tip: You can get paid for each device you connect.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He’s a Nielsen household now.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder http://ift.tt/2Fg1eQR

Slash Your Food Budget With ‘Salvage Groceries’

Recently I bought ground coffee for $1.24 per pound. That is not a typo. All I had to do was overlook the slight dent in the side of the 29-ounce can.

I did. As a result, we got the makings of 225 cups o’ joe for a little less than a penny each.

Searching the “manager’s special” bin at every store is one way we keep the grocery bills down. We call it the “scratch ’n’ dent bin,” because so many of the foodstuffs have had brushes with disaster: scuffed or partially collapsed boxes, dented cans. But some items aren’t damaged at all: They wind up in the clearance bin because they’re seasonal products, close to their sell-by dates (more on that below), or foods that didn’t sell as well as the store manager hoped.

It’s true that some of these things are purely frivolous: gingerbread house kits, chocolate bunnies, holiday-themed cereal, pumpkin spice anything. But as noted above, we got coffee for about a penny a cup this way. Among the things I’ve seen in manager’s special bins are infant formula and baby food, pasta (I recently paid 50 cents for a pound of angel hair, which is an excellent price here in Alaska), cleaning products, diapers, pet food, soups, replacement mop heads, charcoal briquettes, OTC medications, aluminum foil, lard and canned beans, tomatoes, vegetables and fruits.

An entire industry has been built around “salvage groceries” (more on that below, too). We’re not fortunate enough to have one of these stores where I live. However, we do pretty well with manager’s special and clearance bins in supermarkets and drugstores.

My best deals ever were eight boxes of Royal instant vanilla pudding for 9 cents apiece from a Walgreens, and big boxes of aluminum foil and waxed paper for 50 cents each at a Dollar Tree. A discounted bin at a dollar store: frugal nirvana!

Want an even better deal? Find a store manager and make a flat offer on most or all of the whole clearance bin, if it’s got enough items you’ll use. Frugal author Jeff Yeager once told me that “the ultimate proving ground of your negotiating skills is if you can negotiate on groceries.” I’ve never tried this, but maybe you’re braver than I am.

The Dented Can Industry

Salvage grocers around the country also offer the same mix of products found in the manager’s special bin: slightly damaged items, unsold seasonal foods, products that didn’t sell, discontinued products, or even foodstuffs that have undergone a package or label change.

At times there’s not a thing wrong with the “damaged” merchandise. When a pallet of products gets dropped from a forklift, it’s more cost-effective for a wholesaler to sell it all below retail than it would be to separate and repackage the still-good items. As a result, consumers pay fire-sale prices for like-new products.

Keep your grocery list in hand, and don’t overdo it. For example, a big jar of marmalade for 50 cents would be a great deal (especially if your kids just saw the latest “Paddington” movie). But how many jars can you actually use? Don’t walk out with half a dozen unless you really like bread and jam.

It’s important to know what food normally costs. Even if you don’t keep a price book, you should have an idea of what you normally spend for the foods you normally buy. For example, that $1.50 box of cereal isn’t such a hot deal if you’re already able to get that kind of price by matching sale prices with coupons.

Remember to factor in gas costs, too. Going 15 miles out of your way to get dented Peeps is not a good use of your food budget.

And you will see a lot of sweets and snacks, especially after major holidays when treats are being remaindered. But regular supermarket shelves runneth over with empty calories, too. Use the same good sense at a salvage store as you would at Safeway: Stock up on great deals on healthy foodstuffs that you would buy anyway. Doing so can put quite a dent (ahem) in your grocery bills.

(Pro tip: If you’re living on the margins, this can be one of the few ways to get an occasional treat. That 10-cent package of Conversation Hearts isn’t the healthiest thing in the world, but what’s life without a little sin?)

To find stores in your area, check the list maintained by ExtremeBargains.net. Since this is likely not an all-inclusive list, you should also do a search for “salvage grocers,” “discount grocers,” and a recent industry subset, “Amish salvage grocers.”

Too Old? Too Dented?

Generally speaking, foods like eggs, dairy products, and fresh juice should be used by the sell-by date for best quality. Yet milk could still be good after the date on the carton, depending on how often it’s removed from the fridge and how long it sits on the counter.

Sometimes the date may surprise you: I found a “manager’s special” sticker on a package of good-quality cheddar cheese, even though the sell-by date was a few months away. I didn’t ask why was it remaindered; I just bought it.

If you’re buying close-dated meat or dairy, use or freeze it as quickly as you can.

Shelf-stable items can last for quite a while past the “best by” dates on packaging. In this case it’s a quality issue. Recently a friend cleaned out her cupboards and allowed me to take anything I wanted; my partner and I cooked with jarred pasta sauce, canned enchilada sauce, and other products that were two to five years past their prime.

And we haven’t died. Not once.

For shelf-stable items, a sell-by date indicates the end of peak flavor. No universally accepted food-dating system exists in the United States. In fact, expiration dates are not required by federal law except for infant formula.

Sometimes “damaged” means the corner of a box is crumpled or a can’s label is torn. No problem – buy it and save.

If a canned item is leaky or bulging, alert the store manager. But according to the U.S. Department of Agriculture, small dents are probably fine. This USDA fact sheet suggests you avoid any dent “you can lay your finger into,” especially if it’s on a can’s seam.

Other Budget-Friendly Food Sources

Some salvage grocers eschew the scratch ’n’ dent stuff, specializing instead in seasonal items, product overruns (why isn’t anyone buying this butternut squash/chipotle/quinoa soup?) and other inexpensively obtained foods.

Two well-known examples are United Grocery Outlet, a chain of 37 stores in five southern states, and The Grocery Outlet, with more than 280 stores in six (mostly western) states. Such stores also offer produce, meats, dairy, and a good selection of other grocery staples.

When I lived in Seattle, I sometimes shopped at the “Gross-Out,” as we fondly called this chain. Nothing gross about it, though: It was clean, the employees were friendly, the prices at times unbelievably low, and the ever-changing array of products was entertaining.

The trick at the Grocery Outlet – and any salvage store or manager’s special bin – is not to hesitate. There’s no guarantee that an unusual soup or multigrain cracker will be there the next time you shop, or maybe ever again. It’s the luck of the draw, so be ready to pounce if you see something that interests you.

A Few Pro Tips

Use coupons. Not all salvage grocers accept them, but supermarkets and drugstores do. Clearance plus coupon might equal free.

Buy as much as you can store. If the clearance bin has five deeply discounted boxes of pasta, why stop at one? Get all five and you’re set for a while.

Milk can be frozen. If you see a 99-cent gallon of moo that should be sold by tomorrow, remove a cup and a half from the jug and put it in the freezer. Don’t freeze milk in cardboard cartons; instead, pour the milk into wide-mouthed canning jars with a half-inch of headspace for pints and one inch of space for quarts (narrow-mouthed jars of either size need 1½ inches of headspace). Give the milk a good shake once it thaws.

Or forget freezing the milk and make some pudding instead. Bonus frugal points if you paid only 9 cents a box.

Veteran personal finance writer Donna Freedman is the author of “Your Playbook for Tough Times: Living Large on Small Change, for the Short Term or the Long Haul” and “Your Playbook for Tough Times, Vol. 2: Needs AND Wants Edition.”

Related Articles:

The post Slash Your Food Budget With ‘Salvage Groceries’ appeared first on The Simple Dollar.



Source The Simple Dollar http://ift.tt/2GfVub3