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الأربعاء، 14 مارس 2018

You Could Get Free Little Caesars Pizza — but It’s a Ridiculously Long Shot


I don’t know much — actually anything — about basketball, but after an intense 15 minutes of research, I can see that the 2018 Division I Men’s NCAA Tournament is upon us.

With such a prolific event here, you’d be right in guessing there are deals to be found. Thankfully, there are no running drills for this one.

If a 16th-seeded men’s basketball team beats a No. 1-seeded team, Little Caesars will give every family a free Hot-N-Ready Lunch Combo on Monday, April 2.

The Hot-N-Ready Lunch Combo consists of four slices of Detroit-style deep-dish pepperoni pizza and one 20-ounce Pepsi product.

Obviously, I have no clue what seeded college men are — but for pizza, I will find out.

So Who Needs to Win for Me to Score Free Pizza?

You have four chances to win a free Little Caesars lunch combo.

In the South, No. 16 University of Maryland, Baltimore County must beat No. 1 University of Virginia.

In the East, No. 16 Radford must beat No. 1 Villanova.

In the West, the team that wins the March 14 Texas Southern vs. North Carolina Central game must beat No. 1 Xavier.

In the Midwest, No. 16 University of Pennsylvania must beat No. 1 University of Kansas.

If any of those No. 16 teams win, free pizza for — almost — everyone.

All games will take place March 15 and 16. If a No. 16 team does beat a No. 1 team, you must place your combo order at a participating Little Caesars location from 11:30 a.m. to 1 p.m. and mention the offer when you check out.

And if you’re going with anyone you’re related to, disown them while you’re ordering because only one person per family can get this deal.

I’d also like to point out that Little Caesars just patented a pizza-making robot, so hopefully, we’ll see a lot more free throws there in the future — hint, hint.

Jen Smith is a junior writer at The Penny Hoarder. She gives tips for saving money and paying off debt on Instagram at @savingwithspunk. She believes that pizza-making robots will bring us closer to world peace.

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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Bye-Bye, Beater. These Family Vehicles Rank Tops for Value and Safety


We always want the best for our families, and that extends to what we drive.

That’s why, after having a kid or two, it’s, “Goodbye, beater car from college. Hello, shiny minivan with all the bells and whistles.”

Families who’ve budgeted for a new car in 2018 might want to check out U.S. News & World Report’s latest list of the best cars for families.

This news outlet — which also ranks colleges, hospitals and more — came up with its family-vehicle ranking by examining automotive reviews, safety and reliability ratings, seating and cargo volume, and the availability of family-friendly features in 127 new cars, SUVs and minivans.

Even though all those factors are important, price is also crucial when you’re buying a new car — especially when you’re a Penny Hoarder.

So we cross-checked U.S. News & World Report’s Best Cars for Families list with its Best Cars for the Money list, which was released earlier this year. The Best Cars for the Money list focused not just on the initial price but on long-term ownership costs (like fuel, insurance and repair expenses) in addition to factors like quality and performance.

Four vehicles were category winners in both rankings.

Best Midsize Car

2018 Toyota Camry

MSRP (Manufacturer’s Suggested Retail Price): $23,495

Notable features:

  • Ranked a perfect score for safety
  • Infotainment system is user-friendly and has standard smartphone integration
  • Fuel-efficient, averaging between 32 and 41 miles per gallon on the highway and 22 and 29 miles per gallon on city streets

Downsides:

  • Trunk space is smaller than average
  • Not compatible with Apple CarPlay or Android Auto

What U.S. News & World Report says: “The Camry has plenty of advanced driver assistance features that help avoid collisions, such as standard lane departure warning and pedestrian detection. It’s also a great commuter car.”

Best Compact SUV

2018 Honda CR-V

MSRP: $24,150

Notable features:

  • Scored well on crash tests
  • Ample seating and cargo space
  • Fuel-efficient, averaging between 31 and 34 miles per gallon on the highway and 25 and 28 miles per gallon on city streets

Downsides:

  • Few standard features, causing buyers to pay extra for upgrades
  • No major changes from last year’s model

What U.S. News and World Report says: “Those looking for a family car will appreciate its roomy back seats, huge trunk and good safety scores, while great fuel economy estimates boost the CR-V’s appeal as a commuting partner.”

Best Two-Row SUV

2018 Ford Edge

MSRP: $29,315

Notable features:

  • Infotainment system is user-friendly and integrates with smartphones
  • Above-average fuel economy for a midsize SUV, getting between 23 and 29 miles per gallon on the highway and 17 and 21 miles per gallon on city streets
  • Smooth handling, like driving a car

Downsides:

  • Transmission has been described as slow to shift
  • No major changes from last year’s model

What U.S. News and World Report says: “A premium interior along with an above-average predicted reliability rating further help the Edge stand out in its class. Its below-average starting price doesn’t hurt its appeal either.”

Best Minivan

2018 Honda Odyssey

MSRP: $29,990

Notable features:

  • Boasts numerous family-friendly tech features, like a rear entertainment system and an in-cabin camera system
  • Handles well
  • Seats up to eight
  • User-friendly infotainment system

Downsides:

  • Must remove the second-row seats for maximum cargo capacity
  • On the pricy end

What U.S. News & World Report says: “Though it has a higher price tag than most rivals, it’s worth it. The 2018 Odyssey has enough space for all your stuff, whether you’re going on vacation or shuttling soccer equipment to the big game … Excellent crash test scores and a variety of advanced safety features make the Odyssey a great choice for a family vehicle.”

Nicole Dow 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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Walmart Will Expand $9.95 Grocery Delivery Service to 100 Cities in 2018


Walmart recently announced it’s expanding its grocery delivery service from six cities to more than 100 by the end of the year.

Customers can order same-day grocery delivery for a $9.95 flat fee per order of $30 or more. The Wall Street Journal reported that Uber and other companies that provide crowdsource delivery services will bring the order to your door. First-time customers can use promo code FRESHCAR for free delivery.

The service’s flat delivery fee and same-as-store pricing are advantages over other grocery delivery services, which have varying delivery fees and annual memberships, and often charge more for items.

Walmart already offers online grocery ordering at 1,200 stores and plans to expand that service by 1,000 more locations in 2018, the release stated. Customers order and pay online before picking their orders up at a designated curbside location.

The company tested its grocery delivery option in Tampa, Orlando, Dallas, San Jose, Phoenix and Denver. Walmart will start announcing additional locations over the next few weeks; you can check the online grocery map for details.

In its release, Walmart said it has more than 18,000 personal shoppers who complete a three-week training program to learn how to select fresh produce and meat cuts.

Lisa Rowan is a senior 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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Help People With Their Travel Troubles in This Remote AAA Social Media Job


Feel like you’re ready to help road warriors share their travel experiences while cruising the vast online networks?

AAA Club Alliance is hiring a full-time, remote social media coordinator, but you must live in Washington D.C., or one of the following states: Connecticut, Delaware, Indiana, Kansas, Kentucky, Maryland, New Jersey, Ohio, Oklahoma, Pennsylvania, South Dakota, Virginia or West Virginia.

Your communication and computer skills should be top-notch, since you’ll need to respond quickly and tactfully to that person who posts her distress about having to wait for AAA because she locked her keys in the car. Again.

The listing doesn’t provide pay rate, but it does say employees receive a pretty impressive benefits package, including paid time off and a complimentary AAA Premier Membership, which includes travel assistance, lockout services and a tow of up to 200 miles (about the distance from Boston to New York City).

Not the job for you? No worries, we post plenty of other gigs on our Facebook Jobs page all the time.

Social Media Coordinator at AAA

Responsibilities include:

  • Monitoring social media networks including Facebook, Twitter, LinkedIn and Google+, as well as business pages on Yelp, Google, Bing, Yahoo Local, YP.com and Foursquare
  • Engaging the online community by answering questions and connecting consumers with appropriate services
  • Creating analysis reports and updates on social media trends
  • Proposing initiatives for improving metrics

Applicants for this AAA job must have:

  • Associates degree or equivalent experience
  • Two years of digital communications experience and three years of customer service experience
  • Experience with Sprinklr or another social media management platform is preferred

Benefits include:

  • Three weeks of paid time off during the first year
  • 401(k) plan with an employer match up to 7%
  • Health and life insurance
  • Tuition reimbursement

Apply here for the work-from-home social media coordinator AAA job.

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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Top 9 Audit Red Flags: How to Avoid an IRS Examination

Find out which red flags might increase your chances of being audited and learn what you can do to avoid the dreaded IRS audit.

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How to Optimize Your Mobile Website for Google Searches

It’s no secret we’re living in a mobile world. I’m hoping that by now, most of you have recognized this and adapted accordingly.

While having a mobile-friendly website is a great start, it’s not enough to drive traffic to your site. You also need to make sure your mobile website is optimized for Google searches.

More than half of people don’t look beyond the first page of a Google search. If your mobile site isn’t in the top few spots, people will find alternative pages to click.

Roughly 60% of searches come from mobile devices.

image1 2

As you can see from the data, the results vary by industry. But overall, Google searches from smartphones and tablets have surpassed searches from computers.

According to research from Statista, 52.2% of all global web traffic comes from mobile devices. This number has been growing each year for the past decade.

We’re not seeing any signs of these mobile trends slowing down. In fact, we can expect to see the opposite.

Mobile search popularity will continue to grow. That’s why your website needs to stay ahead of the game. If you want to be successful, you must optimize your mobile site for Google searches.

If you don’t know where to begin, I’m here to help.

As an expert in this space, I’ll share with you what you can start doing immediately to improve your mobile search ranking. Here’s what you need to know.

Focus on speed

You should be familiar with this idea. That’s because speed is a factor that improves your search engine optimization for desktop sites as well.

But pages load differently on mobile devices. Just because your website is fast on a desktop or laptop doesn’t mean the speed will translate to phones and tablets.

Websites that load fast generate more leads for businesses. Furthermore, faster mobile sites get ranked higher according to Google’s algorithm.

Did you know the top link on Google has a 33% chance of getting clicked?

You won’t get the opportunity to be the top search result if your page is slow. There is a direct correlation between page loading speed and conversion rates.

image7 2

Getting your mobile site to load just one second faster can increase conversions by up to 27%.

What’s even more interesting is that the slower your mobile pages load, the higher your bounce rate will be. Mobile websites loading in 3.3 seconds have a 20% bounce rate.

You may not think 3.3 seconds is slow, but clearly people visiting your website do.

High bounce rates will adversely affect your Google search ranking from mobile devices.

How can you speed up your mobile site? Try to use minify code. Minify helps compress any code from its original size to the smallest size possible, without altering the code’s operations.

Basically, it makes modifications by removing unneeded characters from your code such as white space and new lines. This can reduce the size of your code by up to 95%.

In addition to compressing your code, you can also decrease HTTP requests, lower your server response time, use a CDN, and use RFPL caching to speed up your mobile site.

Use accelerated mobile pages (AMP)

As of 2016, Google officially integrated accelerated mobile pages into its mobile search algorithm.

Here’s an example of what an AMP search result looks like from The New York Times:

image3 2

When someone searches on Google, the AMP links appear at the top. When a page gets clicked, it loads nearly instantaneously.

Here’s how it works. Rather than hosting these pages on their own servers, Google uses a cached display of the mobile website from the original publisher.

That’s why it loads so fast without redirecting to the actual website.

Take a look again at the screenshot above of the AMP article from The New York Times. Notice that the top search bar is still a Google link as opposed to a link to The New York Times website.

There are three major components to building AMP pages:

  • AMP HTML
  • AMP JS
  • AMP Cache

The AMP HTML is completely redesigned. This code uses custom commands to create dynamic content specifically intended for mobile devices.

Implementing AMP HTML makes it easy for you to code common patterns.

The AMP JS guarantees that all of your AMP HTML pages get rendered as fast as possible. You can manage all your resource loading with the AMP JS library.

Since all these external resources are asynchronous, nothing on the page can be prevented from rendering.

The Google AMP Cache automatically improves the performance of your AMP site. That’s because it fetches and caches all AMP HTML sites using a proxy-based delivery network for your content.

Select a responsive web design

Responsive web designs are also part of Google’s mobile search algorithm. Sites with a responsive design will get priority rankings.

The idea of a responsive web design is quite simple. You’ve got to code your HTML to adapt to various screen sizes as well as orientations.

In other words, your mobile pages need to respond well and look the same whether someone is using a 4-inch iPhone SE in a portrait orientation or a 10-inch Samsung tablet in a landscape orientation.

You need to take all different devices into consideration when you’re implementing a responsive web design:

image6 2

I know right now we’re focusing on mobile devices. But that doesn’t mean you should ignore the fact that people are also using video game consoles, smart TVs, and even smart watches to search the Internet.

Compress images without compromising the quality

Earlier I explained you should compress your code to speed up your page loading time. You should apply the same concept to your images.

If you’ve been reading my blog for a while now, you know I like to use lots of images within my content. I’m not saying you should eliminate images completely from your mobile site.

But you need to compress the big files. Your best bet is PNG files. You can compress PNG photos up to 95% in Photoshop without compromising the quality of your pictures.

Doing this will take you some time. But it’s worth it in the long run.

Get rid of flash

While fancy animations and designs with flash may seem like a good idea in theory, they don’t help you with your mobile search optimization.

Websites with simple designs have higher conversion rates. Don’t believe me? Look at some of the mobile pages for the most popular companies you can think of.

They don’t have flashing lights or fancy bells and whistles to draw attention.

Plus, flash slows things down tremendously. I already discussed how important the speed is. Take a look at what happens when mobile websites load fast:

image2 2

All of these elements help improve your business and make you more money. But they also improve your Google search ranking from mobile devices.

You’re better off eliminating flash completely from your mobile pages. Save it for when you’re designing a mobile gaming app instead.

Analyze the layout of your mobile site

So far I’ve been pretty technical. But sometimes you need to take a step back and look at the design of your mobile website.

Just for a minute, forget about your code, speed, or anything else that might confuse you. Check out things like the font size and points of emphasis on the page.

What draws your attention?

If you’ve used platforms such as Crazy Egg to analyze heat maps of the way website visitors browse on your desktop website, you can’t expect those results to be the same on your mobile pages.

You also need to take into consideration some other things.

Understand that people aren’t using a mouse to navigate. They’re using their fingers. Make sure all your buttons are far enough from each other and large enough to tap with a finger. Otherwise, the user experience will suffer.

If people have problems on your mobile site, it’s going to impact how frequently they use it, which can translate to poor search rankings.

Your mobile site needs to have a smooth navigation.

Use free tools to make sure your site is mobile friendly

At the end of the day, you’ve got to make sure your website has a mobile-friendly design.

If you’re trying to improve your mobile search ranking for Google, the most obvious tool to use is the Mobile-Friendly Test from the Google Search Console.

Here’s what the results looked like when I tested Quick Sprout through their program:

image4 2

It’s simple and straightforward. My results showed Quick Sprout is easy to use on mobile devices.

If your website doesn’t do well on the test, use Google’s tools to fix the problem.

For those of you who are confused or don’t understand what these reports mean, you can always submit questions to forums or contact live customer support.

You can also check to see a more detailed description of where your mobile search traffic is coming from.

That way, you can segment your data and ultimately improve the customer experience while optimizing your mobile search results at the same time.

Recognize how people search from mobile devices

People don’t use their mobile devices the same way they use their computers.

Think about your own search behavior, and you’ll see what I’m talking about. When you’re sitting a computer, you’ve got plenty of time. You have two hands on the keyboard and can type long search phrases with ease.

But when you’re browsing on a mobile device, you’re on the go. Maybe you’re standing at an intersection, waiting to cross the street. Or maybe you’re in line at a coffee shop.

Recent studies show 29% of people browse the Internet while driving!

This means people are in a rush and more likely to make mistakes when conducting their searches.

You need to tag your content based on how people search from their mobile devices.

I’m not saying you need to purposely add typing mistakes or improper grammar. But you can still find clever ways to add shortened keywords to your mobile site.

Google has a 78 character title limit for mobile devices. For desktops, it’s 70. You can add more characters to your mobile titles to try to get more exact search matches from mobile users.

Eliminate pop-ups

As of January 10, 2017, Google released an update to its mobile algorithm that penalizes sites for not making content easily accessible during transitions from mobile search results.

Basically, your ranking will be negatively impacted if you have pop-ups hindering the user experience.

Here are some examples of pop-ups that Google considers to be intrusive:

image5 2

Having pop-ups won’t make or break your success on Google’s search results. There are plenty of other elements that get factored into this algorithm as well.

However, when Google tells you it’s making specific changes to its algorithm, you’d be wise to follow its advice.

Get rid of your pop-ups.

Conclusion

People use their mobile devices to search the Internet.

To ensure you have the best chance of reaching a wide audience, your website needs to be optimized for mobile searches.

Make sure your mobile pages load fast. Compress your code, eliminate flash, and reduce the file sizes of your images.

Get rid of pop-ups.

Create an accelerated mobile page that has a responsive web design.

Understand that people don’t search the same way on mobile devices as they do on their computers.

Review the layout of your website, and use free tools to test whether your website is mobile-friendly.

If you follow these tips, you’ll get ranked higher on Google search results from mobile devices.

What changes have you made to your website to improve your mobile search ranking?



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

The Key to Happiness May be Right Under Your Nose if You Stop Doing This


If social media and self-help books are any indication, nearly everyone is pursuing happiness in one form or another.

Society tells us that to be happy, all we need to do is earn more than $75,000 per year,  carve out more time for ourselves each day, achieve Instagram nirvana or renovate our homes to perfection.

According to a new study titled “Vanishing Time in the Pursuit of Happiness,” published in the journal Psychonomic Bulletin & Review, spending time pursuing happiness actually creates a happiness deficit.

The study’s researchers call it “altering time scarcity.” Here’s how it works.

Think about the writer who wrote “only” six pages instead of meeting a weekly goal of 10, or the dieter who lost “only” three pounds this month instead of the hoped-for eight.

Rather than value the progress we make toward our goals, however slight, we double down on our efforts to reach them by allocating even more time toward their pursuit.

Researchers concluded that people who relentlessly chase happiness may find themselves in a “resource-limited state (a never-ending series of happiness-seeking demands on their time), which may well lead to a sense of not having enough of that very resource (i.e., time).”

The antidote, according to the researchers, is to “worry less about pursuing happiness as a never-ending goal” and instead focus on spending more time “engaging in experiences and savoring the associated feelings.”

The next time you feel like your goals are always out of reach, spend some time with friends or family, or maybe sign up to volunteer with your favorite cause.

You may discover the key to happiness has been right under your nose the whole time.

Lisa McGreevy is a staff writer at The Penny Hoarder. She’s really happy.

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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Why ‘It’s Only $X per Month’ Is Disastrous Financial Thinking

Recently, my wife and I have been shopping around for a car to replace our 2004 vehicle, which has over 200,000 miles on it and a host of repair issues starting to pop up. At one point during this process, we found ourselves at a dealership and we overheard a financial representative talking to a customer while we were waiting.

Part of the representative’s pitch to this customer involved looking at different financing options (something I’m glad that we’re able to avoid, because we’re simply paying cash for the replacement). The finance person was clearly nudging the customer toward a long-term finance package and was pitching it hard because the package was “only $350 per month.”

Only $350 per month.

At a quick glance, particularly if you’ve never really thought too much about your finances, that might not seem too bad. The average American household brings in about $60,000 per year, which, after taxes, amounts to about $1,000 per week that’s brought home. That means that the $350 per month is actually less than 10% of that income. It doesn’t seem that big in comparison, right?

Wrong.

The idea of a relatively low monthly cost makes it easy to get yourself hooked up to expenses that you really can’t afford over the long run, not because of the individual cost, but because monthly expenses really start to pile up over time.

Let’s say that family signs up for that $350 a month bill for the next six years for that car.

They’ve likely also got a mortgage or rent. Let’s say that’s $1,500 a month.

They’ve probably got a monthly electric bill. Let’s park that in at $150 a month.

They’ve all got cell phones. Let’s park that at another $150 per month.

Maybe they have cable television. On average, that’s another $100 per month.

If they’re feeding their family of four even at the basic minimal USDA food costs, that’s another $500 or so a month.

So, before they even agree to take on this car, out of the $4,000 they’re bringing home, they’ve already locked into place at least $2,400 a month in required expenses that can’t really budge. That doesn’t include things like minor emergencies, insurance, gasoline for their car, car maintenance, home repairs, property taxes, clothing, extra little purchases, and so on, which is covered by the remaining $1,600 a month.

On top of this situation, they want to stack on another $350 per month. What will that change? Suddenly, things like minor emergencies, insurance, gasoline for their car, car maintenance, home repairs, property taxes, clothing, extra little purchases, and so on now have to come out of only $1,250 per month. They’ve lost about 25% of their monthly breathing room in their budget to afford this car.

What that means is that there are either going to have to be some real lifestyle changes or they’re going to start sinking into credit card debt.

This situation obviously makes it harder than ever before to save for things like retirement or for your children’s college education. You’ve just cut your budgetary breathing room by 25% – that doesn’t leave much room for that kind of future planning. For most American families, retirement savings just doesn’t happen in that situation, and it’s disastrous.

There’s another problem, too. They’re now signed up for a minimum of $2,750 a month in expenses. In order to keep the lights on, a roof over their head, food on the table, and to get back and forth to work, the family must be earning at least $40,000 per year, minimum.

What happens if there’s a job loss? It’s very likely that, in this family, a job loss means that things go into panic mode very quickly. This is a situation that’s likely in “paycheck to paycheck” mode – remember, 78% of Americans are in “paycheck to paycheck” mode.

So, not only would this family be thrown into chaos, the replacement job now has to be making more than it would before buying this expensive vehicle in order to make ends meet and not start losing things.

In short, that extra $350 a month is an extra shackle. It becomes even more risky than ever before to lose your job or to do anything that would risk your job, because you need it to keep things going. If you lost it, there are fewer jobs that could keep things going for you. Your boss probably knows this, too. You can’t really consider a career change because you need to have that money coming in, too.

All of this is stressful. You’re now making tougher and tougher financial decisions every day of the week. You have 25% less flexibility in your monthly budget. You have a little less freedom and a little more tension at work.

Here’s the truth: the pathway to financial success involves avoiding “$X per month” expenses. You want your monthly required expenses to be as low as humanly possible. That way, you have enough flexibility in your budget to easily pull yourself out of debt and to start saving for the future.

So, how do you do that?

You drive your car until it’s in need of a number of repairs, and then replace it with what you can afford. Do everything you can to get out of the cycle of making car payments, starting right now. It starts with the car you’re currently driving. Drive it until you’re no longer making payments, then keep driving it until it’s ready to fall apart. If you’re on a lease, get out of that lease when you can and move into a situation where you can own some sort of car without payments on it.

You live in a small place that you can easily afford. Don’t live in a giant apartment or a huge house. Most of that space is just used to store stuff that you’ll rarely use anyway. Live in a smaller space instead. That will come with a smaller mortgage or a smaller rent check, depending on the the financial path you’re on.

You extract yourself from as many subscription services and monthly bills as possible, or cut their costs as low as possible. Your cell phone is a monthly bill. How can you cut that monthly bill? Maybe you can go to a different data plan, or switch carriers. Your electric bill is a monthly bill. How can you eat up less energy consistently? Maybe you can switch to LED lights and leave your thermostat off. Your cable bill is a monthly bill. How can you cut it? You can try cutting the cord entirely and just watching over-the-air television or Netflix (which is another monthly bill, but a smaller one). How many other little monthly bills do you have that you really don’t need? Scour your credit card and bank statements to see what you’re missing.

You start using that money you’re saving to pay off debts, starting with your credit cards. Debts are monthly bills that you can make disappear with some consistent effort. Credit cards are the worst offenders, as they have a high interest rate, so credit cards are always a good place to start. Start with focusing on your highest interest credit card; make minimum payments on all of your debts, then make the biggest extra payment you can on your highest interest card. Once it’s paid off, move on to whatever becomes your highest interest debt. As each one is paid off, your monthly required expenses will go down.

You build an emergency fund. One of the easiest ways to fall right back into debt is to have an unexpected crisis. Your car doesn’t start. You need to fly home for a family emergency. Your furnace goes on the fritz. Your washing machine dies and leaks water all over the basement. Those are ordinary events, unexpected and financially painful but not out of the ordinary. Such events, however, can force you deeper into debt, undoing your progress. A better approach is to have a cash emergency fund – an amount of cash set aside in a savings account for just such purposes. The easiest way to do it is to talk to your bank and set up a small automatic weekly transfer from your checking to your savings. That way, the emergency fund will automatically build without any worry and you can tap it when you need it.

Once the worst of your debts are gone, you start saving for upcoming future expenses. You’re going to have to eventually replace your car, right? Start saving for it now so you don’t have to fall back into that “only $X per month” trap. Put aside a “car payment” into savings each month with the intent of using all of that savings to buy a car when it comes time.

Don’t let yourself fall into the “it’s only $X per month” trap. Try to keep that monthly amount you’re required to spend as low as possible, so that you have the flexibility you need to easily handle a job loss and to prepare for your future. It’s also far less stressful.

Good luck!

Related Articles:

The post Why ‘It’s Only $X per Month’ Is Disastrous Financial Thinking appeared first on The Simple Dollar.



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These 8 Class-Action Settlements Are Easier To Catch Than a Leprechaun


You won’t need the luck of the Irish to get your fair share of this month’s class-action settlements. Add some green to your pocket if you’ve paid for leaking windows, faux discounts on clothing or jukebox songs that never played.

Even if you don’t discover a pot of gold at the end of the rainbow, you might find a few dollars back on copper-laced clothing that didn’t magically heal your ailments as promised.

Behold, this month’s highlighted class-action settlements:

Chrysler Clutch Device

Owners of certain 2006 to 2007 Chrysler vehicles equipped with manual transmissions that include an allegedly faulty Stoneridge clutch safety interlock device could qualify for a free replacement part.

Class Members are those who own a qualifying Chrysler vehicle that uses a Stoneridge CSID built between Feb. 24, 2005 and Jan. 1, 2007.

The CSID is intended to keep the engine from starting unless the clutch is disengaged. The allegedly faulty CSIDs have a return spring that might fail due to metal fatigue, allowing the engine to start with the clutch engaged, which could cause the vehicle to lurch forward.

Stoneridge denies its CSIDs are defective but has agreed to provide qualifying class members with a free replacement CSID. The part is valued at $80. The settlement is for the part itself — installation is not included.

The deadline to submit a claim is Oct. 5, 2018.

Tommie Copper Athletic Clothing

Tommie Copper has agreed to a $700,000 class-action settlement regarding allegations the company’s copper-infused clothing does not relieve pain from arthritis or injury as promised.

Customers who bought a Tommie Copper product from April 11, 2011 to Dec. 19, 2017 could qualify for $10 per product if they can provide a receipt. Without a receipt, consumers may qualify for a $5 payment.

Class members who forgo a cash refund and use their settlement to purchase more Tommie Copper products will get a 40% enhancement bonus on top of the settlement amount.

Put the pedal to the metal to cash in on this Tommie Copper settlement because you must submit a claim by March 19, 2018.

Eddie Bauer California Call Recording

Eddie Bauer has agreed to a class-action settlement regarding allegations that the company violated California’s Invasion of Privacy Act by recording phone calls without permission.

If you were in California and had a telephone conversation with an Eddie Bauer representative that was recorded without your permission between July 1, 2014 and Jan. 13, 2015, you could be eligible for a portion of the $300,000 settlement.

California is a two-party state, which means all parties on a phone call must be aware the call is being recorded and grant permission to be recorded.

The amount each class member receives will depend on the number of valid claims received by the deadline of March 22, 2018.

Medicredit Unwanted Calls

You could be eligible for a portion of a $5 million class-action settlement Medicredit Inc. and NPAS Inc.have agreed to pay.

Medicredit and NPAS allegedly made unwanted pre-recorded collection calls to more than 600,000 consumers’ mobile phones using an automatic dialing system without the consumers’ consent, violating the Telephone Consumer Protection Act (TCPA).

TCPA prohibits the use of artificially made messages or pre-recorded messages and also doesn’t allow the use of an automatic dialer to call cell phones without prior consent.

Medicredit and NPAS deny liability but agreed to the settlement to avoid ongoing litigation.

Class members include anyone who received a call from Medicredit on their cell phone from July 2015 through October 2016 or from NPAS Inc. from April 2012 through October 2016.

The amount each class member receives depends on the number of valid claims received, but is estimated at $82 per payout. You’ll need to hurry, as you must file a claim by March 30, 2018.

Ann Taylor Fake Discounts

ANN Inc. has agreed to a $6.1 million settlement over allegations its Ann Taylor Factory and LOFT Outlet Stores misled consumers about the cost and quality of store merchandise.

Allegedly, clothing and other articles for sale in those stores were never sold in the regular Ann Taylor stores. The lawsuit went on to claim merchandise sold at Ann Taylor Factory and LOFT Outlet Stores were manufactured separately and exclusively for those retail outlets. If this is true, then the advertised discounts were based on fake original prices.

If you purchased merchandise from an Ann Taylor Factory or LOFT Outlet store that appeared to be discounted from an original price between May 5, 2012 and May 4, 2016, you could be eligible for a cash award valued at around $5 or a voucher worth approximately $12.

Ann Taylor denies the allegations but agreed to the settlement to avoid litigation.

You must file a claim by May 19, 2018.

TouchTunes Jukebox Skipped Songs

If you bought a song on a digital jukebox, and it never played, you could be eligible for a refund.

TouchTunes’ jukeboxes are in bars and restaurants throughout the U.S. Customers use a smartphone app to select a song for the jukebox to play, and the system charges their credit card. Unfortunately, anyone with a TouchTunes-branded remote can manually skip already-paid-for songs, and this wasn’t clearly laid out in the TouchTunes terms of use.

Class members are those whose songs were skipped by someone using a TouchTunes remote from May 30, 2010 through Oct. 31, 2012.

Each class member will receive one free play credit, but the delivery of the credit varies, depending on when the song was skipped. If your song was skipped between Nov. 30, 2010 and Oct 28, 2013, then you’ll automatically receive a credit. If your song was skipped before that date range, you must file a claim to receive your credit.

You must file a claim by June 21, 2018, and each claimant can receive only one credit, regardless of how many songs were skipped.

Windsor Windows

If your Windsor windows leaked, damaging the windows and the surrounding structures, you could qualify for up to $2,500.

Windsor denies its creations are faulty but agreed to settle a lawsuit comprised of 15 named plaintiffs who insisted Windsor Window Company  and Woodgrain Millwork Inc. manufactured defective products.

Class members bought qualifying windows in the Pinnacle, Legend and Legend Hybrid lines manufactured between Jan. 1, 2000 and Jan. 5, 2018.

To qualify, class members must submit proof of damage to the window or surrounding structure by Jan. 15, 2019.

Cuisinart Food Processor Blades

If you own a Cuisinart food processor with a riveted blade, it could crack over time and leave portions of the blade in your food.

Conair Corporation recalled the blades in December 2016 and asked owners to immediately stop using the appliance’s primary chopping blade.

According to the class-action lawsuit, units have been unusable while customers wait on replacement blades that, in some cases, have taken more than six months to arrive.

Conair denies wrongdoing but has agreed to settle the case.

Class members are entitled to receive a replacement blade with a three-year warranty. In addition, those who did not receive a replacement blade by the applicable deadline are also eligible for a $15 check.

To be a part of this settlement, you must submit a claim form by Dec. 13, 2020.

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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Do the Numbers Add Up for Long-Term Care Insurance?

Long-term care is expensive and frightening to think about. But that doesn’t make long-term care insurance the right way to deal with it.

Melinda Kibler, a certified financial planner with Palisades Hudson Financial Group in Fort Lauderdale, Fla., has one thought on the matter: “Don’t buy long-term care insurance.”

Kibler notes that long-term care is a big financial risk, but that long-term care insurance premiums may only increase in retirement. Unlike insurance designed to protect your home in case of a fire or your car in case of an accident, Kibler points out that long-term care insurance covers medical costs that are almost inevitable.

With other types of insurance, only a portion of the population collects, while the rest continue to pay their premiums, covering expenses paid out and keeping premiums manageable. Math works against long-term care insurance because, since most people will need it, the risk isn’t spread out across a big enough pool of participants.

“Long-term care insurance is an investment that doesn’t make sense,” Kibler says. “It’s better to plan for long-term care on your own by saving and investing, and in some cases, using a trust.”

A recent study by the U.S. Department of Health and Human Services estimates that more than half of Americans turning 65 will eventually require some form of long-term support services. Yet the majority of us underestimate our risk of developing a disability that requires long-term care.

The cost of that care can’t be overestimated, either. According to insurance provider Genworth, the median cost of homemaker services — which help with household chores that can no longer be managed alone, including cooking, cleaning, and running errands — is $20 an hour nationwide. If you have to hire a home health aide for various personal needs that fall just shy of medical care, the median rate charged by a non-Medicare certified, licensed agency is also $20 an hour. Adult day health care (ADC) — which provides social activities and outings, but also may include personal care, transportation, medical management, and meals — clocks in at a median cost of $69 a day.

And that’s just at home. Assisted living facilities (ALF), which provide personal care and health services just short of those offered in a nursing home, come at a median cost of $3,600 a month. Nursing homes that provide personal care assistance, room and board, supervision, medication, therapy, rehabilitation, and 24-hour on-site nursing care start at a median cost of $220 per day for a semi-private room. That’s just over $80,000 a year at its median cheapest, and more than $91,000 if you want some privacy.

Investment firm UBS found that even wealthy investors have a difficult time gauging the cost of long-term care. After surveying 2,028 people with at least $1 million (including 475 with at least $5 million), 73% say getting sick is their top concern, while 43% worry that no one will take care of them. Yet just 50% have factored healthcare costs into their overall financial plan, while only 23% have saved for their future care.

“Maintaining self reliance is important to the vast majority of investors,” said Paula Polito, Client Strategy Officer, UBS Wealth Management Americas. “Having a plan in place for long-term care before they actually need it will help them avoid burdening their children.”

But the numbers don’t necessarily support long-term care insurance as a solution to those healthcare concerns. The average cost for long-term care insurance for an individual at age 55 is $2,007 a year, with a benefit of $164,000, according to the American Association for Long-Term Care Insurance. For a couple, it’s $2,466 per year combined, with a payout of $164,000 each. Over age 60, it’s $3,381 a year with a $164,000 initial payout.

While the benefits rise because of a 3% compound inflation growth option, Kibler asserts that the eventual rise in premiums for older buyers makes it burdensome. She warns that this can cause healthier buyers to opt out, leaving a pool of less-healthy buyers.

“Instead of paying into a policy with rising premiums that may empty your retirement savings, it is better to plan for long-term care by saving and investing,” Kibler says.

Out of curiosity, we took that $2,007 annual cost of individual long-term care insurance and used it as the initial investment in the Securities and Exchange Commission’s Compound Interest Calculator. We put it in a fund pegged to the S&P 500, used the 11.6% average growth of the S&P over the last 30 years, set up a $167.25 monthly payment ($2,007 a year) and kept it up for 25 years (let’s say age 40 to 65). With annual compounding interest, we ended up with $282,862, or nearly $120,000 more than the initial long-term insurance benefit. Even assuming a more modest return of 7% would yield $146,975, nearly as much as the insurance benefit itself – with a lot more flexibility.

While that money will come in handy if you do require long-term care, it’s also available for other retirement needs or to hand down to heirs if you remain healthy. If you don’t see help from Medicare or Medicaid in your future and aren’t independently wealthy enough to pay for long term-care, investing money specifically earmarked for long-term support services is one of the better options available.

“The best solution is to save up for care using a balanced approach, investing in a comfortable mix of U.S. and foreign stock funds and bonds,” Kibler says.

You could try strategies like gifting money to your adult children so you’ll be eligible for Medicaid, but there are problems with that. Medicaid looks back at assets you gave away for up to up to five years. If you apply for Medicaid within that widow, you’ll pay a prorated penalty based on the cost of care in your area.

Even if you give away assets beyond that five-year period, Kibler recommends setting up an irrevocable trust to protect them. Without it, those assets could be lost if your child is hit with a divorce settlement, is sued, or falls into deep debt.

“A lifetime of savings could be lost quickly,” she says.

Finally, if your goal is to leave money to your heirs, consider buying a life insurance policy instead. It won’t necessarily help you with the cost of care, but it’s there even if you deplete your long-term care savings and will be of more benefit to your loved ones than long-term care insurance that ends with you.

“Life insurance is a good way to leave assets to survivors,” Kibler says. “It’s more predictable and has more reasonable costs than long-term care insurance.”

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