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الجمعة، 6 أبريل 2018

You Could Save a Life if You Carry Naloxone. Here’s What You Need to Know


Fueled by the growing national opioid crisis, U.S. Surgeon General Dr. Jerome Adams issued a formal advisory this week urging people to consider carrying the opioid antidote naloxone.

What is Naloxone?

People in the throes of an opioid overdose often have dangerously shallow breathing or stop breathing altogether. Brain damage and death can occur within minutes.

Naloxone, also known by the name brand Narcan, temporarily reverses the effects of opioids and restores normal breathing patterns.

Naloxone is packaged as an injectable (primarily for use in hospital environments) and as a prefilled auto-injection device similar to EpiPens used to treat people with severe allergies.

Naloxone is also available as a nasal spray.

What To Know About Naloxone

Unless you’re a medical professional, it may seem intimidating to administer naloxone to someone during an opioid emergency.

But swift action with the antidote can mean the difference between life and death, so keep these things in mind.

  • Naloxone works. According to the National Institute on Drug Abuse, “From 1996 to 2014, at least 26,500 opioid overdoses in the U.S. were reversed by laypersons using naloxone.”
  • If you’re worried you won’t know when to use naloxone in an emergency, know that administering the drug to someone who isn’t overdosing on opioids is will not cause significant harm, according to the Illinois Consortium on Drug Policy.
  • 40 states and the District of Columbia have Good Samaritan or 911 drug immunity laws that protect people who intervene during a opioid overdose.
  • The National Conference of State Legislatures says the laws protect people from “arrest, charge or prosecution for certain controlled substance possession and paraphernalia offenses when a person who is either experiencing an opiate-related overdose or observing one calls 911 for assistance or seeks medical attention.”

Where to Find Free or Low-Cost Naloxone

Naloxone is a prescription drug, but it is widely available throughout the U.S. even without a prescription.

  • Learn where to find naloxone near you by typing “[your state] naloxone” into your favorite search engine.
  • Contact your insurance provider to find out whether naloxone is covered under your plan.
  • Medicaid and Medicare will pay for naloxone, but coverage varies by state.
  • Check with your local community health clinic to find out where to get naloxone in your area.
  • People with commercial insurance in Arizona, California, Colorado, Missouri, Nevada and Ohio can get naloxone for free through drug manufacturer Kaleo’s pilot distribution program.
  • CVS Pharmacy dispenses naloxone without a written prescription in 46 states.
  • Prescription and nonprescription naloxone is available at Walgreens pharmacies nationwide

Once you have a supply of naloxone, make sure you learn how to administer it. Contact your local health department if you have any questions.

Lisa McGreevy is a staff writer at The Penny Hoarder. She enjoys telling readers about affordable ways to stay healthy, so look her up on Twitter (@lisah) if you’ve got a tip to share.

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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Money is Serious Business, But This Kate McKinnon Kids’ Video Makes it Fun


Think talking to kids about money is uncomfortable and difficult?

Then you haven’t seen “Saturday Night Live” comedian Kate McKinnon do it.

McKinnon teamed up with financial journalist Beth Kobliner — the author of “Make Your Kid a Money Genius (Even If You’re Not)” — to create a video dropping some financial knowledge on a group of young children.

It’s cute, hilarious and will give you some tips on how to broach the touchy subject of money with your kids.

For instance, using arcade game tickets to “buy” prizes at places like Chuck E. Cheese’s or Dave and Buster’s can help children learn the lesson of sticking to things you can afford instead of taking out loans.

Or you could borrow McKinnon’s method of using pizza to teach your kids about delayed gratification. Which do you think they’d go for — one bite of pizza now or a whole slice after waiting a little while?

McKinnon also showed it’s good to have early discussions about future careers — even if kids come up with weird jobs like a gagitator. (You must watch the video!)

The information is very timely as April is Financial Literacy Month.

Kobliner pops in throughout the video to help reinforce the personal-finance lessons. She also shares more helpful tips on teaching kids about money on her website.

As Kobliner states in her book, kids’ basic money habits are formed by age 7. So it’s important to have money talks with your children sooner rather than later. Add some humor to the mix, and those conversations won’t be as difficult as you think.

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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McD’s Lowers Barriers, Triples Benefits of Tuition Assistance for Employees


McDonald’s sometimes gets a bad rap as a workplace.

But while the global fast-food chain doesn’t have to work too hard to keep its patrons’ affection, thanks to that value menu and those golden, crispy, salty fries, the company has realized that as one of the largest employers in the world (with about 1.5 million workers), it has a responsibility to better the lives of the people it employs.

This week, the company announced it would bump up its tuition-assistance program for employees — and make those funds easier to get ahold of.

McDonald’s Tuition Assistance Program to Expand

In April of 2015, the company launched its tuition assistance program, “Archways to Opportunity.”

The program aims to help all employees, whether at franchised or company-owned locations, improve their English skills, earn a high school diploma, work toward a college degree and generally to make “an education plan for success.”

Since the program was rolled out, more than 24,000 employees have had increased access to education opportunities, while more than 16,400 employees have been awarded tuition assistance.

Previously, employees could receive between $700 and $1,050 in tuition assistance per year, but not until after nine months of employment — during which they had to work a minimum of 20 hours per week.

Now, however, employees will receive between $2,500 and $3,000 in tuition assistance per year and will be eligible for the funding after 90 days of employment in which they work a minimum of 15 hours per week.

Eligible crew members previously received $700 per year in tuition assistance and will now receive $2,500 per year.

Eligible managers previously received $1,050 per year and will now receive $3,000 per year.

The funds can be applied to any school, whether a community college, a four-year university or a trade school. There is no lifetime cap on the tuition funding one employee can receive, so employees are allowed and encouraged to pursue an education at their own pace.  

In its recent news release, McDonald’s notes that the lower barrier to entry for the tuition- assistance program will allow employees more time to focus on school, as employees can now meet the requirements with roughly two full-time shifts per week.

The company also says that two programs — one that helps employees earn a high school diploma and career certification online, and one that provides college advisory services — will be extended to workers’ family members, while “career exploration resources” will be available to employees later this year.

“By tripling tuition assistance, adding education benefits for family members and lowering eligibility requirements to the equivalent of a summer job,” David Fairhurst, who leads McDonald’s global human resources and training, said in the release, “we are sending a signal that if you come work at your local McDonald’s, we’ll invest in your future.”

These changes will be go into effect on May 1, 2018 but will be retroactive to January 1, 2018.

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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Looking for a Playful Job? Legoland Is Hiring a Master Model Builder


Stop me if any of these scenarios ring a bell:

Your family’s feet are irreparably damaged from stepping on the thousands of Lego bricks that were constantly scattered around your childhood home.

You’ve argued that Christian Bale’s Batman couldn’t hold a candle to the Lego Batman.

When Lego released its biggest set ever, a staggering 7,541-piece Millennium Falcon, you scoffed, said “Piece-a-cake” and it’s now proudly on display in your room.  

Sound like you? Then you’re in luck, because a dream job that fits your skill set has opened up.

Legoland Discovery Center Columbus is on the hunt for the next Master Model Builder, so if you have a passion model building and you’re willing to move to Ohio, keep on reading.

Become a Master Model Builder for LEGO

As I’m sure you can guess, the No. 1 requirement for this job is a love of all things Lego.

But aside from your brick-building passion, you’ve got to have the skills to back it up, because this isn’t a normal job application — it’s a competition.

Hopeful applicants must travel to Columbus, Ohio, on May 5 for the two-day Brick Factor competition and must out-build the best of the best to earn this coveted position.  

The winner of the contest will be offered a full-time position at Legoland Discovery Center Columbus, which is set to open Fall 2018.

What You’ll Do

So what, exactly, does a Master Model Builder do?

On top of constructing awe-inspiring, large-scale Lego models, the job also includes mentoring children in model-building workshops and making media appearances on behalf of the company.

So if you’ve got the charisma of, well, a Lego, then you might not make the cut.

The job listing doesn’t give pay details but does say the Master Model Builder will get a “competitive salary” plus a benefits package and free entry to all Merlin attractions (Madame Tussauds, anyone?).

And let’s not forget: You’ll get to handle all the Lego bricks your heart desires.

Think you’ve got what it takes? Then head over to the job listing to enter the competition. But don’t dawdle — the deadline is April 25.

Kaitlyn Blount is a junior staff writer at The Penny Hoarder. She still thinks The Lego Movie was unfairly snubbed at the Oscars.

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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He Raised His Credit Score 120 Points in 6 Months — Here’s His Secret

Here’s How to Score a Free Membership to Thrive Online Organic Market


“Buy one, give one” programs often benefit people far away, making it hard to visualize the impact of the company’s generosity.

But this program to curb food insecurity hits a little closer to home.

Online grocery service Thrive Market offers Thrive Gives memberships that reduce its $60 yearly membership fee to $0.

The company says it has 400,000 members and promises wholesale pricing on popular organic food brands, as well as its own product lines.

While the company works with partner organizations to distribute free memberships, individuals can also apply for a Thrive Gives memberships.

How to Apply for a Free Thrive Market Membership

Low-income families can apply for a membership on the Thrive Gives website.

The application asks about monthly income, the number of people in the household, and whether you receive any government assistance. There’s a short essay field where you can explain why you’re requesting a free membership.

Teachers, students and veterans must verify their status before receiving a membership confirmation email.

The free membership lasts one year. When it expires, Thrive Gives members can choose to pay for a membership or reapply for another free membership.

Thrive Market ships to the contiguous United States. The company announced last week that it has begun to offer frozen meat and seafood options. It does not offer fresh fruits and vegetables.

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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Got Lots of Interests? This Remote Data Collection Job Could Be for You


Want to help fuel the information gold rush from the comfort of your home? Here’s a perfect opportunity.

Westat, a research firm, is hiring remote telephone data collectors across the U.S. to survey people on a variety of topics. You’ll need to have a very specific technology setup and won’t get benefits — but it’s hard to beat working from home.

If this doesn’t sound like you’re kind of gig, be sure to check out The Penny Hoarder Jobs page on Facebook. We post new opportunities there all the time.

Telephone Data Collector at Westat

Responsibilities include:

  • Conducting phone interviews on a variety of topics, including transportation, the environment, health and education

Applicants for this position must have:

  • A telephone landline
  • A corded telephone with a hands-free headset attachment
  • PC with Windows 7 or later
  • A printer
  • Latest version of Internet Explorer
  • Adobe’s Shockwave and Acrobat Reader
  • Updated anti-virus software
  • High-speed internet access at 10 mpbs download speed
  • Wired Internet access — no WiFi
  • Webcam
  • Quiet and secure work space
  • Ability to work 15 to 40 hours per week, including evenings and weekends

Apply here for the Telephone Data Collector job at Westat.

Alex Mahadevan is a data journalist 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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Put Your Tastebuds to the Test: Help Noosa Yoghurt Create a New Flavor


Attention foodies: You’re needed in the dairy aisle.

If you’re one of those people who enjoys creating your own yogurt flavor combinations, it’s time to put your imagination and taste buds to the test.

Noosa Yoghurt has put the word out that it’s hiring five foodies to be Noosa Flavor Finders. They’ll be tasked with creating new yogurt flavors for the company.

No, this is not a full-time gig, but you’ll get compensated financially and earn bragging rights knowing you put your own spin on this active culture. Those chosen to be the company’s official Flavor Finders will get an all-expenses-paid trip to visit the Noosa farm in Bellvue, Colorado, to see how the yogurt is made and will receive a $2,000 stipend to fund your flavor-finding mission.  

How to Apply

To apply for this gig, post one photo on Instagram or Twitter that includes:

  • Food that inspires your unique Noosa flavor
  • A tub of Noosa (optional)
  • A caption describing your dream Noosa flavor. You must include @noosayoghurt and #flavorfindercontest.

Only one entry per person will be counted during the contest.

Pro Tip: Make sure to use the hashtag to check out your fellow foodie competitors’ submissions and get the scoop on the Noosa flavors already available. You might be surprised by some of the exotic combinations — I’m talkin’ to you, raspberry habanero.

Qualifications for Selection

To be successful as a Flavor Finder, you should:  

  • Have the photography skills to take irresistible foodie pics
  • Be willing to try new foods and flavor combinations
  • Not be afraid of the unknown in the quest to create tasty yogurt

Your Duties as a Flavor Finder

Here’s what will be required of you if you are selected as a flavor finder: 

  • Travel as far — or near — as you want to find the most interesting and delectable combinations to help influence future Noosa flavors
  • Share your tasting adventures via social media

Your role will begin May 7 and conclude September 1. The deadline to submit your foodie photos is April 20, so don’t delay! Click here to check out the official rules.

Matt Reinstetle 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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How to Use Visual Elements to Enhance Your Blog Post’s Engagement

A picture is worth a thousand words.

This is a ageless English idiom that I’m sure you’ve heard countless times throughout your life. It’s a simple concept. In short, it means that it’s easier to show someone something than it is to tell them about it.

But are you applying this strategy to your blog posts? Blogging is a science.

There are lots of tips and tricks you can learn to engage with your audience, such as mastering the art of storytelling. However, words alone won’t drive engagement.

You’ll need to learn how to incorporate visual elements into your blog posts as well. If you’ve been reading my blogs for a while, you know that I practice what I preach.

I love using visuals to help improve my content. For those of you who aren’t used to this, it can sound intimidating.

Where do you start? How many visuals should I include? What visuals are acceptable?

These are all valid questions that I can answer for you. Use this guide as a reference for adding visual content to your blog posts. Here’s what you need to know.

Understand how people read your blog

You can be the best writer in the world, but the reality is that people aren’t going to read your content word for word. It’s a fact that you need to accept right now.

According to a recent study, people only read 20% of your content on a page.

Let that sink in for a moment. Research shows that the optimal blog post will take someone about seven minutes to read.

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Typically, seven minutes translates to about 1,600 words, assuming that each word is read (which we already know isn’t the case).

So if your blog post is 1,600 words and only 20% of it gets read, that means visitors are only digesting about 320 words of your content.

What does this information tell you? Simply put, people are scanning your blogs.

So that means that your writing style needs to be adjusted accordingly if you want to increase engagement. Get rid of lengthy paragraphs and large blocks of text. That’s difficult for people to scan.

Instead, use short sentences and stick to paragraphs that are just a few lines long at most.

Add visuals to break up the content.

Visual elements jump off the page at a reader. So if someone is scanning through your blog post, they’ll likely stop at the images. They’ll skim the first few lines before and after the picture to digest your points of emphasis.

You’ve got to be consistent and establish a pattern with your visuals.

For example, let’s say you’ve got a blog post that’s 3,000 words long. You’ve got an image every 300 words or so for the first 1,000 words of the post.

But then you don’t include any more images until the final few paragraphs. That’s a mistake. Refer back to what we just discussed about how people scan.

They’re going to stop at your images. So if they get into a rhythm of scrolling until they see a picture, they’re going to scroll through the majority of your content without stopping if you have such a large gap between each visual element.

Take a look at elements that are included in a typical blog post.

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As you can see, the majority of blogs include an image. But that percentage drops down significantly in terms of blog posts with more than one image.

So you can really separate yourself from the crowd by adding lots of visuals to your blog. As you continue reading through this guide, I’ll explain which types of visual content create the most engagement.

Create infographics

As you can see from the images I’ve used so far in this blog post, graphs are a great way to help emphasize a point. There are a few reasons for this.

For starters, it helps validate the message that you’re trying to convey. Graphs also help make your blog posts more legitimate.

This shows your audience that you’re not just making up facts out of thin air. You’ve done the research and used data from high-quality sources of information.

But another reason why you should use graphs is because it helps people retain information. Studies suggest that people only remember 10% of information three days after they hear it.

However, if there is an image associated with that information, three days later people were able to retain 65% of the information.

You want people to remember what you’re telling them. This will definitely boost your engagement.

Instead of just using graphs and statistical data from sources on the web, you can create original infographics for your blog posts.

Try using free online resources, such as Canva, to design your infographics.

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Their platform is very simple and easy to use. You don’t need to have any design skills to get this accomplished.

Infographics are great if your blog posts are focusing on some kind of research that you conducted. The best part about customizing original infographics is that it can ultimately drive more traffic to your website.

Think back to what I talked about earlier in terms of sourcing quality research from the Internet. Well, you’re not the only person that’s trying to do this.

Other bloggers also want to add high-quality resources and visual elements to back up their statements. When they are researching a particular topic, they might find your infographics.

Then they’ll cite your website as the source whenever they use your infographics in their content.

Those reference links will drive more traffic to your website. Plus, having more inbound links also helps improve your SEO ranking.

Use original photos

You want your content to be unique as possible. Obviously, this isn’t something that’s always 100% possible in today’s digital era. Chances are, someone else has blogged about a similar topic.

If you’re using a chart or infographic that you didn’t create on your own, then other bloggers have used it too. That’s OK.

However, if you want to be creative, you can add original photographs to your content as well. This will help separate your blog from your competition too.

Original content is like a breath of fresh air. Readers will feel the same way. If you’re into photography, you can pair that skill with your blogging platform.

Here’s a great example from the Sets in the West blog.

image7 8

These blog posts are written for people who want to explore California. The author talks about her personal experiences in different areas and adds original photos as well.

Sure, you could just browse through Google images for professional photos of different places. But that’s not as genuine as taking the pictures yourself.

Again, this also relates to validation. It’s authentic. Your audience will know that you’ve actually done something and you’re not talking about a topic that you haven’t experienced.

For the same reason as your infographics, these original photos can also end up driving more traffic to your website. If other people use them, you’ll get credit as the reference link.

But what if you don’t have a fancy camera and don’t have any photography experience?

No problem. You can still learn how to take and edit photos without hiring a professional.

I’m sure your smartphone has a decent camera. Then you’ll just need to educate yourself on some basic photography principles and you’re good to go.

So get out there and start snapping some photos. This will help you get more engagement on your blog.

Mark up screenshots

Another way to help improve engagement on your blog posts is by showing people how to do something. Think about how people are searching for topics on the Internet.

If your blogs include “how to” guides or things of that nature, you’ll definitely want to include visual elements to show people what you’re talking about.

It’s not easy to explain how to do something. But taking screenshots on your computer and marking them up with arrows, boxes, circles, or words can really guide your readers in the right direction.

For example, take a look at this recent blog post I wrote about generating leads on Twitter.

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In this section of the post, I’m explaining how people can use the Twitter advanced search query as a tool to generate leads.

Rather than just saying, “Click on the advanced search button,” I show my audience exactly where the button is located.

I continue to use some short text to explain where the button is on the page as well. Here’s another example from that same blog post.

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I’m using the same approach for this step as well. Instead of just saying, “Turn on your location,” I markup the screenshot, so it’s obvious what needs to be done.

By default, I’m sure your computer has some screenshot editing software.

Personally, I like to use Skitch to markup my content. It’s free to download and use, so give it a try if you’re looking for something new.

Add videos

For the most part, we’ve been talking about different types of pictures as visual elements to enhance your blogs. But that’s not the only type of visuals that can be used.

You can add videos to your blog posts as well.

Take a look at your analytics to see how long website visitors are staying on a page before leaving. If you want to improve that time, videos can be the solution.

In fact, research shows that videos can increase the time spent on your page by more than 100%.

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The great thing about adding videos to your blog is that it’s really easy to do. You won’t necessarily have to create new video content for this.

Instead, just repurpose some of your old videos.

Here’s what I mean. Hopefully, you have a YouTube channel. I’m sure you’ve got lots of informative video content on this platform.

So anytime you’re discussing something in a blog post that’s relevant to one of your videos, just embed the YouTube link within the blog.

That’s it. This doesn’t require any extra effort on your part.

Plus, videos also help break up your content the same way your images do. Here’s an example from a blog post I wrote about Facebook cover photos.

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As you can see, I embedded a link from my YouTube channel that was relevant to the topic.

Here’s another quick tip about how to use videos in your blog.

Add captions. Captions increase views by 40%. Furthermore, there is an 80% increase that viewers will watch an entire video if captions are available.

Conclusion

If you want to increase engagement on your blog posts, start by adding more visual elements to the page.

It’s important for you to understand how your audience is consuming your content. They aren’t reading each word on the page. Instead, they’re skimming through it.

Visuals give your readers a chance to stop and digest your points.

Mix it up. There are plenty of different types of visuals that you can use in the same post to drive engagement.

Add graphs, charts, and custom infographics. Take original photographs. Markup screenshots. Include relevant videos.

All of these will help bring your blog to the next level.

What types of visual elements are you using to increase engagement on your blog posts?



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The Five Best Free Email Marketing Services

 By Jessica Burde Everywhere you look, marketers and online influencers are touting the advice: “You need to build a list”! Why? Because with an email marketing, you have complete control. Not only do you own your list, but you don't have to rely on Google's ever-changing search engine algorithms for website traffic or Facebook's pay-to-play advertising […]

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Six Simple and Healthy Breakfasts Under $1 Apiece

Part of my daily routine throughout the fall, winter, and spring is to get up with my children and either make breakfast for them or aid them in making breakfast for themselves. Sarah is usually getting ready for her own workday and often leaves 30 to 45 minutes before the children do (and she doesn’t eat breakfast most mornings anyway), so I manage most of their morning routine once they’re out of bed. Most mornings, I eat breakfast with them and we talk about our game plan for the day.

My goals in doing this are very straightforward.

First of all, I want us to have a healthy, filling breakfast, one that will keep them satiated until lunchtime and able to focus on their schoolwork. I want the same thing for me – a breakfast that keeps me satiated all morning and able to focus on my work until midday. I want to serve healthy foods, meaning I try to avoid processed junk foods as much as I can.

Second of all, I want meals that are quick and easy to prepare., as the window of opportunity for meal prep in the morning is fairly short. I’m willing to get up a little early for meal prep, but there are often small emergencies in the mornings that end up having to be handled, so very quick breakfasts are the best option.

Third, I want meals that are inexpensive. Ideally, I want breakfasts that cost $1 or less per meal.

Finally, I want breakfasts that all of us will enjoy. A meal that two or three of us really won’t like is a meal that isn’t a success. I try to keep to breakfasts that I know at least three out of the four of us will enjoy.

Here are six breakfasts that I use on a rotating basis that hit all of these marks.

Tasty Flavored Steel Cut Oats

I make steel cut oats in the slow cooker, starting them the night before in a small slow cooker on the counter. My usual recipe is 2 cups of steel cut oats, 6 cups of water, 2 cups of milk, two tablespoons of butter, and a small amount of butter. I’ll rub the butter on the inside of the slow cooker crock, then I leave the remaining butter in there and add the other ingredients. I then mix all of that together thoroughly and let it cook on low in the slow cooker overnight, about eight hours.

In the morning, as soon as I get up, I’ll add something to it for flavor. Maybe I’ll add a couple of diced apples, or three sliced bananas. Maybe I’ll add a quarter of a cup of brown sugar. Maybe I’ll add a quarter of a cup of peanut butter. Maybe I’ll add some raisins or other dried fruits. Maybe I’ll add some maple syrup. Maybe I’ll add some dice peaches, or some diced pears. I add different things in different combinations for variety. Often, what I add is based on whatever was on sale in the grocery flyer in the last week or so.

This is usually more than enough for all four of us, with some leftovers that I often eat for lunch that day. The cost, depending on the add-ins, is about $3 for all five meals combined, or about $0.60.

Fruit Smoothies

I often bust these out on days when the weather is warm, as they’re not the best when it’s cold. Still, they’re super simple and very tasty.

I just pull out the blender and add two bananas, two cups of frozen berries, one cup of plain yogurt, and two cups of milk. I blend all of that together by pulsing it several times and then I pour it into several glasses. If you want it sweeter, you can add a bit of honey or sugar, too, but this is sweet enough for me and the kids seem to like it, too.

Sometimes, I’ll vary it a bit by adding things like a couple of teaspoons of cocoa powder or peanut butter.

Since we usually buy large containers of yogurt all at once and buy large bulk bags of frozen fruit, the cost of the ingredients for enough smoothie for all four of us usually comes out to around $3.

Egg on Toast

This one’s real easy. I just toast a slice of bread, put a bit of butter on it, then top it with a poached or fried egg. I usually make two of these per child and they’re gone.

This one does take a bit longer to prepare than the other items on this list, but it’s a very well-loved breakfast. I find that if I approach it assembly-style with a large skillet and use a child as an assistant to make the toast and butter it, I can just focus on cooking the eggs in the skillet, turning them over, and topping the toast with them. I can usually go from pulling out the ingredients to eating with my kids in about twelve minutes.

To prepare two “egg on toasts” (as we call them) for each of the four of us, you just need eight slices of bread, a bit of butter, and eight eggs. The cost of a dozen eggs is $2 to $3 and a loaf of bread is less than that, so this makes for a very cheap breakfast. I usually supplement it with a banana or an apple or some other easy-to-grab fruit. The cost is still far under $1.

Breakfast Burritos

This is a breakfast that I’ll usually assemble the night before, often when I have items on hand that are leftovers that work well for fillings. I just scramble several eggs together in a skillet, then fill two small burrito shells per person that’s going to be eating with the eggs, a bit of cheese, a very small bit of picante sauce, and whatever else happens to be on hand.

Sometimes some ham or crumbled bacon will wind up in there. Sometimes it’ll be black beans. Sometimes it’ll be sautéed vegetables. Sometimes it’ll be leftover potato slices chopped into little bits.

Whatever it is, I just strive to minimize the liquid inside of the burrito by scrambling the eggs, chilling them down completely, then assembling the burritos with cold ingredients and minimal liquid. They tend to heat up well without making the shell soggy this way.

Thus, in the morning, all I have to do is grab some burritos from the fridge and microwave them. It’s that easy.

Making a lot of these can be a lot of work, so sometimes I’ll wait until a weekend afternoon and make a giant batch, but I can make a good handful (eight or so) pretty easily on a school night in 15 minutes or so. The total cost for eight such burritos is a package of small tortillas (about $1.50), 12 eggs or so (about $2), and whatever leftover ingredients I have on hand (another $0.50 to $1), so the burritos cost about $0.50 each. Since each person usually eats two of them (I don’t make them that big), it’s about $1 per breakfast.

Yogurt Parfait

This is another item that I like to make the night before and allow to sit in the fridge overnight. It’s really simple – the biggest reason why I sit them in there overnight is to allow the frozen berries to thaw.

All I do is take a cup and make alternating layers of frozen berries and other fruits, yogurt, and granola. I usually make a layer of fruit, a layer of yogurt, a layer of fruit, a layer of granola, a layer of yogurt, a layer of fruit, a layer of yogurt, and a layer of granola on top. A cup is a breakfast for someone, and they’re usually big enough that the person is very full from eating one.

I just use whatever frozen fruit is on sale at the store (bought in the last several weeks and kept frozen) and I’ll usually buy a big bag of healthy granola when it’s on sale, too – I watch for it, then just keep it in the pantry. I generally make these a couple of times shortly after a sale on large containers of yogurt, because it’s cheaper that way. The cost varies a lot, but it’s usually well under $1.

When Time Is Super Short, Hard Boiled Eggs and Fruit

Sometimes, mornings can be a disaster and the best laid plans fall apart. We’re trying to find clean pants for our youngest child, our middle child needs a permission form filled out, and our oldest is sleeping in a teenager’s coma and won’t stir. The clock ticks later and later and there’s basically zero time for breakfast prep and our youngest can’t find his left shoe and our middle child has been in the bathroom for 10 minutes and our oldest child is out back trying to get mud off of his soccer cleats.

Ideally, on mornings like this, I can leverage a breakfast I made the night before, but that doesn’t always work out. In that case, there’s no time for breakfast – or is there?

On these crazy days, I’m glad that I always have several hard-boiled eggs in the fridge. I like to boil a dozen each week and eat them one at a time as a tasty snack. I just keep them in a large container in the fridge, already peeled.

If a no-good-very-bad day like this arrives, I hand each of them a couple of hard boiled eggs and a piece of fruit and wish them a good day. Yes, it’s a super simple breakfast, but it’s one that they can eat at the bus stop and I know that they’re at least getting some healthy protein and some fresh fruit in their belly to start the day. The cost per meal here is trivial, on the order of $0.30 to $0.40.

Final Thoughts

This is a repertoire of breakfast options that allows us to go for more than a week without having the same breakfast twice, and the amount of variation possible in each one, particularly the oats and the fruit smoothies and the burritos, manages to make the meals seem different virtually every day.

All of these meals are based almost entirely on simple foods, with only a slice of toast or a tortilla being processed. It’s all about fruits, eggs, yogurt, peanut butter, and other simple things that combine together into simple, delicious, easy, and super cheap meals.

Sure, we have a box of cereal in the cupboard and that works well on occasion, but these recipes form the backbone of our busy mornings, and they can work well for you whether you have children or not.

Good luck!

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The post Six Simple and Healthy Breakfasts Under $1 Apiece appeared first on The Simple Dollar.



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IRS Reveals The Top Tax Scams Of 2018

Each year, the IRS releases a list of the "Dirty Dozen" tax scams to watch out for during tax season. This year's list, shown below, includes classic scams as well as some new twists.

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This Travel Agency Will Make Your Next Vacation Location a Big Surprise


Weekend getaways are an adventure. Planning them? Not so much.

Travel agency Pack Up + Go will book your travel and lodging for you, but there’s a catch.

https://www.packupgo.com/how-it-works/

You have to allow the company to pick your destination.

Clearly, this service is not designed for people with trust issues.

Traveling With Pack Up + Go

If you’re down with letting someone else plan your three-day getaway, Pack Up + Go makes the online booking process really easy.

First, you’ll decide whether you want to road trip it in your own car or travel by plane, bus, or train (if you choose the latter, Pack Up + Go decides the mode of transportation).

Next, you’ll answer a few questions about your travel budget, the dates you’re available to travel and what types of activities you prefer.

Some of the questions are optional, but providing information about your preferences and interests makes easier for the agency to tailor your perfect trip.

There’s even space on the questionnaire to list previous vacations so they don’t send you somewhere you’ve been recently.

Pack Up + Go makes travel and lodging arrangements for you according to your budget and puts together a map of places you might want to check out in your destination city.

A week before your getaway begins, you’ll get an email that includes a weather forecast for wherever you’re headed, recommendations on what to pack (sunscreen or mittens) and instructions on where and when to show up for your mystery adventure.

You’ll also receive an envelope in the mail from Pack Up + Go a few days before your trip with instructions not to open it until you get to your designated departure location.

Once you arrive, tear open the envelope to find out where you’re headed and get going!

Throwing Caution to the Wind

Don’t worry that you’ll end up spending the weekend in a shack in the middle of a rural cornfield. Pack Up + Go sends travelers to mid-size American cities with public transportation only.

The agency knows travelers don’t want to spend precious vacation time stuck on a plane, bus or train so your mystery destination will be only three to four hours away from your departure city.

Prices start at $400 per person for trips with two or more people. Solo vacation prices start at $800.

If you’re an intrepid traveler with wanderlust in your heart and discretionary money in your budget, what are you waiting for? Just pack up and go!

Lisa McGreevy is a staff writer at The Penny Hoarder. She’s an adventurer who would do something like this in a heartbeat.

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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Grocery store to replace former Eastburg Kmart

EAST STROUDSBURG — A recently abandoned department store on Lincoln Avenue won’t get a shot at luring a second tenant. Pocono Plaza owner Kimco Realty Corporation plans to demolish the 41-year-old former Kmart and build a new grocery store in its place.“There’s not a lot we’re ready to share publicly yet about the new tenant,” said Kimco spokeswoman Jennifer Maisch. “I can tell you that we do plan for all the existing tenants to stay in [...]

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I’m Getting a Tax Refund … but I Have No Flippin’ Clue How to Spend It


Dear Penny,

What should I do with my tax refund? Pay off a credit card? Pay down the balance of a card that’s maxed out? Save it for a rainy day?

This letter is low on social awkwardness, but high on personal fraught. You get the refund, you decide how to use it, and then as soon as you hit the first cash register, you’re second-guessing it.

Who knew it would be so hard to figure out what to do with money you are actually receiving? But here we are.

It’s been many years since I’ve gotten a tax refund, so I’ve spent a lot of time thinking about how I would use one. I even made a list!

Penny’s Hierarchy of Acceptable Tax Refund Uses:

  1. Overdue bills
  2. Credit card balances accruing interest
  3. Emergency fund
  4. Low-interest loans that would feel good to pay down a chunk of (car, student loan)
  5. Credit card with 0% interest rate
  6. Debts owed to regular humans whose names you know
  7. General savings

Don’t see spending anywhere on the list? That’s because there’s only one scenario where I’ll tell you to go ahead and spend your money: You have no debt. No student loans, no credit cards, not the $10 you borrowed for the parking garage downtown, not the $300 you still need to pony up for this year’s family reunion trip.

If you have no debt to your name, you can go ahead and spend that tax return money however you want. Have fun! I’m serious. Have a good time. Call me if you’re going to be out past midnight. You know I worry.

If you have debt, you’re going to get way more gratification from putting that refund toward your balance than you would from one night on the town, or at the salon, or on the golf course. You owe it to yourself to put that “found” money — no matter how little or how much — toward your bigger financial picture.

Sure, some people will scoff at your refund because you (get ready for these finger quotes) “let the government have an interest-free loan.” It’s true, but even adjusting your withholding doesn’t guarantee you’ll come out exactly even on tax day. So I say don’t sweat the refund. Just use it wisely.

Even my list is just a suggestion. Every time I come up with extra funds, I stick ’em on my car note. I like making visible dents in large debts, and since my car loan has a freakishly low interest rate, it’s easy to see the positive effect of my payment right away.

If you’re feeling similar in your own situation, put the money where you’re going to feel the most relief from doing so.

Have an awkward money dilemma? Send it to dearpenny@thepennyhoarder.com.

Disclaimer: Chosen questions and featured answers will appear in The Penny Hoarder’s “Dear Penny” column. I won’t be able to answer every single letter (I can only type so fast!). We reserve the right to edit and publish your questions. Don’t worry — your identity will remain anonymous. I don’t have a psychology, accounting, finance or legal degree, so my advice is for general informational purposes only. I do, however, promise to give you honest advice based on my own insights and real-life experiences.

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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