A Toast to Applebee’s New $2 Drink of the Month: Less Water, Better Liquor!

It’s March, and you know what that means…

A new bargain cocktail from your friends at Applebee’s.

This month Applebee’s serves up $2 Absolut Vodka Lemonades.

It’s a slight price increase from its $1 Dollarita, DollarMama and Long Island iced tea — or L.I.T. as they say on Snapchat — introduced in previous months.

Scoring This Drink Deal is Absolut-ly Easy

Just belly up to an Applebee’s bar, booth or table near you and ask for the Drink of the Month to start sipping in style. No coupons to clip. No apps to download.

Don’t worry about making it in time for happy hour because bartenders are slingin’ this drink deal from open to close every day through the end of March.

Applebee’s Past Drink-Deal Woes

Applebee’s is well known for making these cheap specialty drinks especially weak with bottom-shelf liquor, sugary mixes and lots of tap water. But it has clearly heard the people’s sugar-rushed cries and has included its first-ever premium liquor in the fourth Neighborhood Drink of the Month promotion.

Still to be determined is the amount of Absolut vodka in each drink, but the 10-ounce frosty mug is guaranteed. Let’s hope this is a departure to a brighter future for this drink-of-the-month promo.

Jen Smith is a junior writer at The Penny Hoarder and gives money-saving and debt payoff tips on Instagram at @savingwithspunk.

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.

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Keep Your Weekends and Get Sweet Benefits With This Remote Tech Gig

You love to help people.

You have a passion for assisting others on their path to success.

You are dedicated to changing the world by sharing your technical expertise with others.

But on the weekends? Nah.

If that sounds like you, then this customer success manager position with ScheduleOnce could be the job for you.

The appointment-scheduling service is searching the country for a tech head who’ll work one of these full-time shifts Monday through Friday (all times are EST):

• 10 a.m. to 6 p.m.
• 12 p.m. to 8 p.m.
• 2 p.m. to 10 p.m.

The job requires a multi-tasking, analytical type who’s excited about learning new business and technical skills while assisting customers in a professional, customer-friendly manner (read: lose the snark).

Accurate, detailed writing and communication skills are essential, and advanced technical writing skills are preferred for this position.

The posting didn’t indicate what the pay range was, but the job does include benefits.

Thanks to Work at Home Mom Revolution for this posting!

Not the job for you? No worries, there are plenty of other gigs on our Facebook Jobs page. We post new opportunities there all the time.

Remote Customer Success Manager at ScheduleOnce

Responsibilities include:

• Answering customers’ calls and emails, providing solutions to their technical issues
• Acting as an advisor to new and potential clients
• Training and staying up to date on all things technical

Applicants for this position must have:

• Customer service experience (although the post notes anywhere from 0 to 3 years); Salesforce experience is preferred
• Technical experience, as well as the ability to master new software and recognize patterns quickly
• Familiarity with web languages like HTML, CSS and Javascript is preferred

Benefits include:

• Medical and dental insurance
• 401(k)
• Paid time off

Apply here for the work-from-home customer success manager job at ScheduleOnce.

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.

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Is Your Standing Desk Making You Dumber? Maybe So, Says New Study

The medical community has been warning people for years that sitting too much during the day is terrible for our health.

Sedentary behavior associated with prolonged sitting raises the risk of heart disease, diabetes and death.

Standing desks are regularly recommended as the go-to alternative to working at a traditional desk all day, but new research is challenging that assumption.

A recent study on ergonomics revealed standing in one place for too long can cause muscle fatigue, lower-limb swelling and a decrease in cognitive function.

But if you’re a standing-desk fancier, don’t worry — prolonged standing does increase creative problem-solving.

All Rise for Affordable Standing Desks

If you’ve shopped around for a standing desk, you know they can be pricy.

According to Wirecutter, high-end models can cost almost $700 (ouch!).

My home office is outfitted with a standing desk I built for about $20 using a collection of materials I picked up from IKEA.

A Tale of Two Sittings

Based on the results of the new study, should you alternate between sitting and standing at your desk or just park your posterior in your chair full time?

I tried it both ways, and here’s what I discovered.

Like the study’s participants, my back does get tired after a while and my feet begin to swell when I stand for long periods.

I found standing on a thick mat and taking frequent breaks to stretch or walk around helps minimize both issues.

I can’t say for sure if prolonged standing clinically decreases my cognitive function, but I do know I become increasingly distracted because of my aching back and swelling feet.

On the other hand, sitting at my desk for hours is no picnic either.

What sitting makes up for in back and lower-limb comfort is lost to aching shoulders while hunched over a keyboard.

For me, the answer is to sit and stand at my desk in approximately equal measures.

Many fitness trackers and other wearables on today’s market have built-in alarms to remind you to stand up or walk around.

There are also dozens of free apps you can install on your phone and computer that will prompt you to move around or change position.

It may take years for definitive answers on whether it’s more beneficial to sit or stand at your desk, so why not DIY your own standing desk for a few bucks and do both?

Lisa McGreevy is a staff writer at The Penny Hoarder. She dreams of the day she can work while supported by helium balloons.

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.

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Here’s What Predicts Your Kids’ Future Success Better Than Wealth or IQ

A scientific study is giving parents more reason to nag their kids about doing their homework.

We all know it’s good to get an early start on habits that lead to success. We encourage our kids to do well in elementary school so it snowballs into good grades in high school. We count on high school achievement getting them into great colleges and we hope postsecondary success will translate into developing rewarding, money-making careers.

The American Psychological Association reports a new study published in the Journal of Personality and Social Psychology confirms that line of thinking. It also tells us behavior in high school is connected to career success decades later,  regardless of factors like parental income or IQ, or personality traits like conscientiousness.

The authors of the study analyzed data collected by the American Institutes for Research over a 50-year period. Teens in 1960 who were responsible students, showed an interest in school and read and wrote well were found to have ended up with more prestigious careers and higher income five decades later.

One of the study’s researchers told the University of Illinois news bureau that the study only points to an association between behavior and future success and not a causal relationship. But while being a responsible student doesn’t automatically guarantee future success, it can give parents hope.

We may not be able to leap income brackets or change our child’s IQ level or personality, but we can encourage our kids to take an interest in their studies, remind them to consistently complete their homework and model responsible behavior.

We can start sooner rather than later in the hope that the good habits stick and make a positive impact.

Nicole Dow is a staff writer at The Penny Hoarder. She enjoys writing about parenting and money.

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.

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Here’s Why It’s More Important Than Ever to Check Your Credit for Breaches

The next chapter in the Equifax saga revealed that 2.4 million more consumers than previously reported were affected by the original 2017 breach.

That brings the total count to almost 148 million people. Yikes.

However, Equifax said that this batch of consumers had minimal information stolen compared to the original 145.5 million.

What New Personal Information Was Compromised

Suspicions arose last month after a Wall Street Journal article and an investigation led by Elizabeth Warren suggested that more information, like tax identification number and passport numbers, were compromised in the original breach.

Equifax confirmed yesterday that hackers accessed names and partial driver’s license numbers of these 2.4 million consumers, but cyber thieves didn’t get their hands on complete information like home addresses, or driver’s license issuing state, issue date or expiration date.

These newly affected consumers also didn’t have their Social Security numbers stolen in tandem with their driver’s license numbers, which is why they were not previously notified, according to Equifax’s statement.

Paulino do Rego Barros, Jr., Equifax’s interim chief executive officer, said in a media release, “This is not about newly discovered stolen data. It’s about sifting through the previously identified stolen data, analyzing other information in our databases that was not taken by the attackers, and making connections that enabled us to identify additional individuals.”

So, this didn’t come up before because Equifax focused on the Social Security number breach, which poses a higher risk for identity theft.

What to Do If Your Information Was Stolen

If you think about it, 147.9 million people is nearly half the U.S. population. That’s a lot of people. Scary.

What’s even scarier is a new survey reports that 50% of Americans have not checked their credit in the past six months. More than a quarter of respondents ages 18 to 37 had never checked their credit reports or scores. Even worse, 46% of the same age group hadn’t heard anything about the Equifax breach.

If your information was included in this newly revealed part of the breach, Equifax plans to reach out directly to you. It will extend the same free credit monitoring and identity theft protection services as it did to others involved in breach.

Not being notified doesn’t mean you should be complacent about your credit or personal information. It only takes a minute to check if the breach compromised your personal information.

If it was, you may want to consider setting up fraud alerts or placing a freeze on your credit.

You can also take advantage of the new Lock & Alert program that Equifax launched for free in January. It lets consumers to lock and unlock their Equifax credit report — for life — with a computer or mobile phone.

All we know is that it is more time-consuming and costs more to recover from identity theft than to prevent it.

Stephanie Bolling is a staff writer at The Penny Hoarder. She set up email alerts and gets notifications when anything changes on her credit. Take that, scammers.

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.

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War Is Coming: Panic over impending Social Security Crisis

Social Security, which is arguably the most important program in the government's portfolio of spending is in crisis. Does the problem with Social Security lay in its history?

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How to Design a Homepage That Converts

First impressions matter.

When someone visits your website, the first thing they’ll see is your homepage. The way your homepage is set up can make or break your conversion rates.

I know how much time and effort it takes to improve your SEO ranking and drive more traffic to your website.

If you’re seeing a boost in your website traffic but not in conversions, it’s time for you to analyze your homepage. It doesn’t matter what type of business you have or what industry you’re in, focusing on the design of your homepage pays off.

Where do you start?

Your website has so much to offer. It can be overwhelming to decide what you want visitors to see first. It’s tempting to include as much information as possible.

I’ve helped tons of businesses revamp their websites. I’m going to share some of the top elements of a homepage you need to focus on.

If you follow these tips, your homepage will turn into a conversion machine. Here’s how you do it.

Keep it simple

Websites with simple designs have higher conversion rates.

As I briefly stated earlier, some websites try to cram as much information as possible into a small space on their homepages. They want to show off all their products, services, awards, affiliations, contact information, and anything else you can imagine.

If this sounds like your homepage, simplifying your design should be the first thing on your agenda.

It’s fine to include lots of information on your website, but it doesn’t need to be on your homepage. Take a look at this design from the Mint homepage.

Do you see how effective this is?

The menu bar at the top of the screen has only four options. The amount of text is minimal, so it’s very easy for users to scan the page and focus on headlines.

There is a clear point of emphasis on the middle of the screen. It’s their call-to-action (CTA) button, encouraging visitors to sign up for free.

Even if you’ve never heard of this company, this design makes it obvious what help they can offer their customers:

• finances
• budgets
• credit score
• bills
• savings

These buzzwords are easy to read because the layout is so simple.

Now the visitor can navigate on the website to find more information about what they’re interested in. But if Mint tried to explain every detail of their services in this small space, people would get distracted and overwhelmed.

While this homepage has some color, it’s used sparingly and tastefully. The colors aren’t contrasting and don’t make it difficult to read anything on the page.

To keep your website simple, you need to choose the right color scheme. This will help improve your conversion rates.

Compare your existing homepage to the example above. Try to replicate it in terms of the amount of text, navigation options, and CTA.

Focus on speed

Speed has a huge impact on your conversion rates. If your website loads too slowly, it’ll kill your conversions.

People are impatient. In today’s digital age, we’re used to getting content at lightning speeds. If a website doesn’t load right away, its bounce rate is likely to increase.

Your page loading time has a direct correlation with the previous point I talked about. Simple websites load faster.

If you’ve got tons of images, long blocks of text, complicated menus, lots of colors, flashing lights, and other unnecessary elements, your website won’t load very quickly.

But what if you’ve got a simple design and it still takes a while for your website to load?

I’d evaluate your web hosting services. While it may sound appealing to choose the cheapest option for hosting your website, you get what you pay for.

It’s worth it to spend the extra money to ensure your website doesn’t crash or have problems loading pages, especially the homepage.

The increase in website traffic and the boost in conversions will easily pay for the extra costs, plus extra in the long run.

Use quality images

Images can definitely help boost your conversion rates.

Websites without images seem plain, boring, and somewhat unprofessional. But that doesn’t mean you need to go crazy and put as many images as possible on your homepage.

As you now know, too many images can hurt your page loading time. Furthermore, research from Google found pages with fewer images have higher conversion rates.

Use images sparingly. Make sure all your images look professional. If they look as if you took them on a flip phone in 2006, it won’t help your cause.

Don’t get me wrong, I’m not saying you shouldn’t use all the pictures you feel you need to on your website. I’m just saying you don’t need to have them all on your homepage.

For example, let’s say you have an ecommerce website.

You should have multiple-angle, high-quality images of every item you’re selling. You could have six, eight, or ten photos for just one item.

However, save those pictures for when a customer clicks on that product.

If you were highlighting your top five best-selling items on your homepage, you’d have 50 images if you used every single one. Instead, use one image per item. When a visitor clicks on one of them, they’ll see the remaining photos of that product on the corresponding page.

Run A/B tests

Let’s say you’ve made some changes to your homepage, and you’ve noticed your conversions have increased. That’s great news. Does that mean you’re done?

Absolutely not. While your conversions may have increased, you don’t know whether you’ve reached your peak yet. Keep striving to improve your website.

One of the best ways to figure out whether you’ve got the most optimal design for your homepage is through A/B testing.

Also known as split testing, A/B testing involves running alternative versions of the same page to see which one has a higher conversion rate: 50% of your traffic sees one design, while the other 50% sees another.

It’s important you don’t change too many elements between the two versions when you run these tests. Otherwise, you won’t know which factor impacted the results.

You’re better off changing one element only, such as the CTA button text, color, or placement.

Here’s an example of an A/B test from the Sim City homepage:

Look at the difference between the two variations. The homepage on the right eliminated some text and an image. As a result, the simplified version had a 43% increase in checkouts.

That’s because the control version had too many distractions. The variation was much simpler, so it was easier for the users to focus on checking out.

I see cases like this all the time in my consulting work. Businesses are typically convinced that an offer, such as the one above offering $20 off a purchase, will help drive sales and increase conversions.

But it isn’t until they run an A/B test that they discover what really works.

The possibilities are nearly endless when it comes to your A/B tests. After you test one element, change something else and run another test.

If you initially tested the phrasing of your CTA button, test the color next. After that, test its size or placement. You can even test various images to see which one converts better.

A/B testing is an ongoing process. The tests should go on for as long as they need to until you feel your results are accurate.

Don’t let these tests get in the way of making other improvements to your homepage, such as simplifying the design or increasing the page loading time.

Make sure your call to action is clear

I know I’ve mentioned your CTA a few times throughout this guide, but it’s so important that it’s worth discussing in greater detail.

You can’t expect to have high conversion rates if your CTA isn’t glaringly obvious on your homepage. Although it’s critically important, many websites neglect their CTAs:

These numbers blow me away. Less than half of all the websites have a CTA that can be found in under three seconds.

People visiting your website won’t spend much time looking for the button that puts money in your pocket. If it’s not obvious, they’ll move on.

That’s why simplicity, which I talked about earlier, is so important. If you have few distractions on your website, the visitor’s eye will go straight toward your CTA.

Look again at the Mint website, or the Sim City’s A/B test. It’s very easy to find call-to-action buttons in both cases in just a couple of seconds.

Here’s a look at the homepage for one of my other companies, Crazy Egg:

As you can see, I practice what I preach.

The design of this homepage is extremely simple, and the CTA can be spotted instantly.

Here’s something else you should keep in mind. Your homepage should have only one CTA. Yes, you’ll have links to other pages on your site.

But when it comes to getting conversions, the call-to-action button needs to be obvious:

• sign up today
• subscribe now
• join for free
• click to learn more
• shop now to get 20% off your purchase.

All of these are great CTAs for a homepage. However, these won’t be effective if they’re all used simultaneously.

The site visitors won’t know which one to click on, and it will hurt your conversions. Focus on the most profitable action.

Optimize your website for mobile devices

It’s awesome that your site works well on a desktop, but that’s not enough if you want the highest conversion rates possible. Your homepage needs to be optimized for smartphones and tablets.

Earlier I discussed the importance of speed. If your site takes too long to load, users will abandon the page.

Obviously, this will crush your conversion rates. Half of Internet users expect your mobile website to load in less than two seconds.

Mobile optimization is important for all websites in every industry. However, it’s even more important for ecommerce stores.

That’s because the majority of online shoppers use their smartphones to shop.

If you have an ecommerce store that’s not mobile optimized, you’re missing out on a huge portion of the market.

Optimizing your homepage for mobile users needs to be a priority.

Conclusion

If you’re unhappy with your conversion rates, analyze your homepage.

Start by simplifying the design. This will make it easier for visitors to find your CTA.

Simplicity also translates to a faster page loading time. Make sure you have suitable web hosting service.

Your homepage should have high quality images. Just be sure to use them sparingly. Too many images can have a negative impact on your conversions.

Run A/B tests to see which elements of your homepage can be modified to improve conversions.

Making sure your homepage and the rest of your website is optimized for mobile devices is an absolute necessity.

If you follow these tips, you’ll start to see your conversions rise almost instantaneously.

What elements of your website are designed to optimize conversion rates?

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The Purpose of Your Life Isn’t to Make More Money.

Yesterday, I wrote an article on how to accelerate the growth of your net worth. From top to bottom, the article is chock full of great personal finance advice, and if you follow all of it, I virtually guarantee that the growth of your net worth will accelerate over time.

There’s one big piece missing from that puzzle, though. Why?

Why exactly are you hunting for acceleration in your net worth? What do you want to do with that money? When your net worth is accelerating, what good will it do you?

For some, simply watching that number grow is enough. It can become a representation of one’s life efforts, a clear indication that a person has worked hard and made wise choices with his or her money. Being a millionaire or a multi-millionaire might just be a label that a person really strives for and derives great value from, and there’s nothing wrong with that.

For me, though, the labels that really matter are father. Husband. Community leader. Friend. Writer. Things like that. Those are the labels I am interested in having. Those are the labels I want people to use when they talk about me.

None of those have anything directly to do with money.

For me, the reason for thinking about and improving my net worth is to make me better at all of those other labels that I care much more about. I worry about my financial picture because I know that having a good financial foundation makes me a better father. It makes me a better husband. It makes me a better community leader. It makes me a better friend. It makes me a better writer.

Having a healthy emergency fund, no debt, and some money saved for retirement means I’m not worried about making sure that my kids have food to eat. I know that they will have the educational resources they need, and that they’ll be able to participate in any activities that they so choose.

Having a healthy emergency fund, no debt, and some money saved for retirement means that if something unexpected happens to my wife, things will be okay. Whether it’s a job loss or an unexpected illness or a marital concern, we will be able to be at each other’s side and focus on overcoming that problem, not on financial concerns.

Having a healthy emergency fund, no debt, and some money saved for retirement means that, in the moment, I can truly focus on being a friend or being a community leader without any sort of financial stress or concern diverting my attention.

Having a healthy emergency fund, no debt, and some money saved for retirement means that I can take some career leaps that I might not otherwise be able to take, because I know our financial state can survive a downturn in income for a while if things don’t turn out well.

In short, a financial foundation isn’t meaningful on its own; a financial foundation is meaningful because of how it supports other areas of your life and opens new doors in those areas.

When I step back and calculate my net worth and see how it has grown over the last several months, it unquestionably feels good, but that “good” feeling comes from knowing that the areas of my life that I truly care about are secure and well supported and that security grows all the time.

Furthermore, financial success means more and more opportunities in those areas are now available to me. I can honestly consider ideas like taking a year off from work to write a novel and shepherd it through the publishing process. I can envision scenarios that might otherwise seem disastrous – like a serious illness for my wife that causes her to leave work for a while – that our family can now just roll through. I don’t have to worry about financial apocalypse if one of our children struggles with their choices after high school – we’re ready to handle whatever may come.

Money is not a purpose in and of itself. Money is a foundation that enables security and opportunity in all of the areas of life that you care most about. To me, that’s the reason to care about your net worth, to shoot for growing your financial foundation, and to be proud of the positive direction you’re taking.

In one simple number, my net worth is a symbol of my day-to-day commitment to those things I care most deeply about. Our net worth is going up because I’m making daily choices to ensure that it keeps moving that way, and because it is going up, I know that those areas of my life that I care about are secure and strong and can withstand unexpected events and surprising choices.

How much is too much? For me, the answer to that question is pretty simple as well. I know that I’ve put too much emphasis on accumulating wealth and not enough in the other areas of my life when I look at that balance and honestly regret things left undone. I don’t really have that feeling at all – sure, I can think of a thing or two that I might have done differently, but there’s nothing that truly fills me with regret. There is no aspect of our financial turnaround, as of yet, where I look at our financial state and think, “Gee, I wish I had done this other thing instead of building this backbone of security and springboard of opportunity.”

There will probably come a time in my life when I do feel that way, and that’s a point at which I need to do some serious reflection about my financial choices going forward. Are there now things that I can do with this financial foundation that weren’t possible before, things that enable me to really live out those core things and core roles that I value?

All I can say is that it’s not yet happened in any significant way, and I don’t see it happening any time soon.

In the end, it all comes down to one simple idea: the purpose of your life isn’t to make more money. The purpose of your life is to figure out who you want to be in this world, and then use your personal finances to maximize those roles.

I want to be a good father, a good husband, a good friend, a community leader, and a good writer. I want to be known as a listener, as a person who helps out and leads when needed, as a person with worthwhile ideas.

Personal finance success merely helps me do all of those roles as well as possible. When I make choices that help out my finances, I reinforce all of those roles. When I make bad financial choices, I undermine all of those roles.

The purpose of your life isn’t to be financially successful. It’s to be personally successful, and financial success goes a long way toward propping up that kind of personal success.

Good luck.

The post The Purpose of Your Life Isn’t to Make More Money. appeared first on The Simple Dollar.

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Tired of Wasting Money on Cheap Clothes? How to Dress Better for Less

Skip the Essay and Take a Quiz to Apply for This $2,000 AFSA Scholarship

Paying for college is an expensive endeavor — and even the best planner, budgeter and saver may still end up needing additional assistance when the final bill is sent each semester.

Scholarships are a great way to fill the gaps and help you avoid taking on too many student loans (loans you’ll have to pay back for years to come), and even small awards have the potential to add up quickly.

But scholarship opportunities aren’t always easy to track down. That’s why when we come across a good one, we share it with you.

Even better, though, is when we find one that doesn’t involve an essay submission. (Seriously — why do they all require an essay?)

And that’s what we found today: The American Fire Sprinkler Association is hosting a no-essay scholarship contest for high school students across the U.S. — and the deadline is coming up soon!

Win $2,000 in the AFSA Scholarship Contest

Here’s how to enter to win a scholarship to help pay for college without submitting an essay.

Scholarship amount: $2,000

Number of scholarships awarded: 10

To qualify for this scholarship, applicants must:

• Be a current high school senior
• Be a U.S. citizen or legally residing in the U.S.
• Be enrolled in or plan to enroll in a college, university or certified trade school for the fall 2018 semester
• Not be related to an AFSA staff member or national board member

To apply, applicants must:

• Enter the drawing via the online entry form
• Take the short (and easy!) quiz about fire sprinklers and college fire safety that follows the online entry form

Scholarship deadline: April 1, 2018

Only one entry per person is allowed. The winners will be randomly selected by a computer-generated drawing and will be notified within 14 business days of the contest’s end date.

You can read the rest of the official rules and guidelines here.

If you’re looking for even more scholarships to apply for, be sure to check out our list of 100 scholarships that will help you pay for college.

Grace Schweizer is a junior 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.

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