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الخميس، 24 مايو 2018

17 Memorial Day Freebies and Deals for Veterans and Active Military


This Memorial Day, you may be looking forward to a long weekend with friends or family, celebrating a high school graduation or preparing your shopping list for holiday deals.

But as a nod to the real reason for the holiday, businesses around the country are offering special freebies and deals for veterans and active military members this Memorial Day weekend.

Here are 6 places you can go for free food on Monday, May 28, with your military ID:

Memorial Day Food Deals and Freebies

1. LaMar’s Donuts

Kick off your Memorial Day with a free donut and coffee from LaMar’s Donuts, available for all active and retired military personnel with proof of service.

2. Hooters

On May 28, all current and former military personnel can enjoy a free entree from the Hooters Memorial Day menu at participating locations nationwide. Options include a Buffalo chicken salad, Buffalo chicken sandwich, Hooters burger or 10-piece traditional, smoked or boneless wings with your choice of sauce.

3. McCormick & Schmick’s

Active-duty military and National Guard, veterans and gold star parents and spouses get a free lunch or dinner entree from the Memorial Day menu on May 28.

4. Twin Peaks

Participating Twin Peaks locations will honor past and present armed forces personnel with a free select menu item on May 28.

5. Firebirds Wood Fired Grill

Bring a veteran or active-duty service member with you to eat on Monday, May 28, and the restaurant will cover their lunch or dinner. The free entree must be the same price or less than your purchase.

6. Ninety-Nine

Veterans and active-duty military will receive a free meal from the chain’s 9 Real Size Entrées for $9.99 menu with the purchase of another meal and proof of service.

But the deals don’t stop at food. After you get your fill, head to any of these 11 parks and museums who are offering free admission this Memorial Day weekend:

Memorial Day Free Tickets to Fun

1. Hawaiian Falls Water Park

Take a trip to Hawaii for some fun in the sun – the only catch is, you’ll actually be in Texas. Hawaiian Falls water parks are offering active and retired military personnel free admission from May 26-28 with proof of service.

2. Kings Island

All active and retired military personnel can make a splash for free at Kings Island in Ohio on Memorial Day weekend. Enjoy free admission May 25-28 with proof of service.

And you don’t have to go alone! You can also purchase tickets for up to six family members at $34 per person.

3. Kings Dominion

If you’d rather stay dry this Memorial Day weekend, then head over to Kings Dominion theme park. All active and retired military personnel get in for free May 26-28 with proof of service. Discount tickets will also be available for your family.

4. Cedar Point and Cedar Point Shores

The “roller coaster capital of the world,” based in Ohio, is also offering free admission to all active and retired military personnel from May 25-28. The offer is available for both parks: Cedar Point and Cedar Point Shores. Just show your proof of service at the ticketing window to receive your free admission and up to six tickets at a discounted price of $44.

5. Michigan’s Adventure

Active and retired military personnel receive free admission to the 14th annual Tribute to Armed Forces at Michigan’s Adventure on May 27-28. You can also purchase tickets for up to six family members for only $26 each.

6. Valleyfair Amusement Park

If you’re in or near Minnesota, then head over to Valleyfair for some free fun. All active and retired military personnel with proof of service can enter the park for free May 26-28.

7. Colonial Williamsburg

Take a journey to the 18th century for free with proof of service at Colonial Williamsburg living history museum in Williamsburg, Virginia. This offer is available for all active and retired military personnel and up to three dependents – in other words, your kids get in for free, too!

8. Blue Star Museums

If you have a favorite museum, you may be able to get in for free this Memorial Day weekend – and all summer long! Blue Star Museums offers free admission to active-duty military personnel and their families. Check out their map to see participating museums by state.

9. Silverwood Theme Park

All military personnel, police officers and firefighters can enjoy free admission to Silverwood theme park in Idaho during American Heroes Weekend, May 26-28. Discounted rates will also be available for family members.

10. Worlds of Fun

This Kansas City amusement park is offering free admission to all active and retired military personnel, along with discounted tickets for family members. This offer is available on Monday, May 28.

11. Wild Adventures Theme Park

This Georgia theme park is honoring free admission for all active and retired military members from May 26-28. Discounted tickets for family and friends will also be available.

If you can’t get away this weekend, then check out these five organizations that offer military travel deals – you might just be able to plan an entire vacation for free! And be sure to check out this list of more than 100 places that offer military discounts all year long.

Bonus Memorial Day Freebie

On Saturday, May 26, participating Ace Hardware stores will be giving away one million flags, so be sure to stop by your local Ace to get yours.

Happy Memorial Day!

Dana Sitar (@danasitar) is a senior writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

Editorial assistant Jessica Gray contributed to this post.

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



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Make Up to $30 an Hour With Online Tutoring Jobs With Revolution Prep


If you’ve got a passion for teaching and like the idea of working from home, it might be time to ditch the commute and opt for a virtual classroom.

Online tutoring jobs are a great way for teachers to earn extra money, but these openings aren’t side gigs; they’re full-time positions.

Revolution Prep, an online company that offers private and semi-private tutoring for grades 6 through 12, is currently hiring professional online tutors.

Again, this is a full-time, work-from-home job, and applicants must be willing to commit to at least one year of employment.

Online tutors for Revolution Prep can set their own hours, but must provide at least 35 hours of availability a week, with a goal of averaging 28 hours of tutoring each week. Availability has to be set during “prime tutoring hours”: Monday through Friday, 3 p.m. to 9 p.m. PST; Saturday, 5 a.m. to 7 p.m. PST; and Sunday, 5 a.m. to 9 p.m. PST.

If you can get get down with that, the pay is $25 to $30 per hour including bonuses, and tutors are eligible for benefits such as medical, dental, vision and a 401(k).

Applicants with expertise in various subjects are welcome to apply, but Revolution Prep has a high need for tutors in chemistry, physics, biology, college-level macro/micro economics, LSAT, algebra II, trigonometry, pre-calculus, calculus AB/BC, statistics, Spanish and French.

In addition to teaching a specialized subject, all Revolution Prep tutors are required to teach SAT/ACT test preparation. If you don’t have experience with that, it’s OK — the company provides training.

If your teaching skills are equivalent to Ms. Trunchbull's or you don’t meet the requirements for this gig, don’t worry. Check out our Jobs page on Facebook — it’s full of work-from-home job opportunities.

Online Professional Tutor at Revolution Prep

Pay: $25 to $30 per hour, including bonuses

Responsibilities include:

  • Providing one-on-one and small group tutoring to students in grades 6 through 12
  • Creating individualized lesson plans for private tutoring sessions that incorporate Revolution Prep’s curricula
  • Managing schedules and goals for multiple students at once
  • Providing weekly updates to parents
  • Attending weekly online professional development sessions
  • Contributing to the development of new curriculum

Applicants for this position must have:

  • A bachelor’s degree
  • Previous teaching experience
  • Experience creating lesson plans
  • Ability to teach consecutive tutoring sessions during peak hours and on weekends
  • High-speed internet
  • A quiet, professional home office space for online sessions
  • Ability to commit at least one year of full-time employment

Nice-to-haves:

  • An advanced degree
  • Foreign language teaching skills

Benefits include:

  • Flexible time off
  • Medical, dental and vision
  • Disability and life insurance
  • A 401(k)

Apply here for the online professional tutor job at Revolution Prep.

Kaitlyn Blount 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 Handle a High Stress Work Environment

One wonderful advantage of financial independence (or at least a strong financial foundation) is that you don’t have to deal with stressful or toxic work environments. You can simply start searching for a different job as soon as the environment turns negative and handle any financial bumps in the road that such a search may cause.

However, many Americans aren’t in that situation. Most Americans live paycheck to paycheck and can’t afford financial bumps, and other Americans might be in a job that pays very well compared to alternatives or offers some other particular benefit. In both of those cases, sticking with a high stress or toxic work environment might be the only option for them.

If we stick with the assumption that your job is toxic/high stress but a job change is exceedingly difficult right now, how do you handle that challenge?

For a year or so early in my professional career, I worked in a toxic environment. I was in a small group of three people working together tightly on a project and one of those three people was toxic to the point of (I believe) being intentionally so.

This coworker insisted on particular lighting for our shared office that gave everything this strange unearthly blue tint. During our weekly meetings, she would promise to deliver certain things during the coming week, then never deliver them. She would often “work” from home in the mornings (which were times that felt like a relief), but then accuse us of trying to “hack” her laptop remotely, which was her reason for why she didn’t get anything done at home. She would meet with the supervisor of the project privately and tell him that we were conspiring against her, leading him to check in on us and hear our side of the story. (There wasn’t a conspiracy against her – I barely even thought about her outside of direct interaction time. We didn’t have time for a conspiracy due to our project deadlines!)

This finally culminated with her giving a disastrous presentation during our first annual project review, which led to her immediate removal from the project. Our team of three was down to two, but it became far less stressful and actually more productive after that change.

However, getting through that time was very tough. I needed that job. It was my first real professional job after college and I needed it to be a home run. It was perfectly in line with what I studied in college and was clearly going to be a foundational step in my career path because of the skills I could build and the connections I could make.

I was lucky in that my work environment eventually improved significantly. Others aren’t so lucky.

Still, there were a number of strategies I employed that made it possible for me to make it through that period. Not all of these strategies will work for you because not all environments are the same. Instead, consider these strategies a toolbox for handling high stress and toxic work environments.

Connect Strongly with Like-Minded Colleagues

Who are the people in your workplace who have a similar perspective as yours? Who are the quiet people who just seem to want to get their job done without all of the stress and the antics? Intentionally seek those people out and build a positive relationship with them.

The key thing here is “positive.” Don’t make your relationship with them center around negative talk about the workplace. Instead, focus it on the positives of what you’re both trying to do. What are you actually getting done? What are your successes? How can you help each other? What are your common positive interests? Don’t weigh those things down with negativity and complaints about the workplace.

At the same time, try to build those types of positive relationships beyond your workplace. Seek out peers in your field and build positive relationships with them. Share knowledge. Help people. Have good positive conversations. Get involved with your online professional community and any professional groups associated with your career path. Attend conferences and conventions. This takes time – give it time.

Again, the important thing here is “positive.” Look for positive things to day and avoid negativity. Your relationships should be based on positive exchanges rather than just dumping out negative feelings.

Stay Healthy (and Channel Negative Feelings While Doing So)

The stress and toxicity of a negative work environment can feed on itself and leave you feeling miserable. You dread going into work, feel exhausted when you get home, and often find yourself slipping into a routine of bad habits. High stress jobs often correlate with lack of exercise, unhealthy eating habits, and lack of sleep.

Don’t let that happen. Make a conscious effort to maintain healthy habits in your life. Eat well – I trust the simple mantra of “eat food, not too much, mostly plants” as general guidance, meaning trying to eat things with a tiny ingredient list, not eating until you’re stuffed and eating only when you’re actually hungry, and eating mostly plant-based items. Get exercise of some kind regularly (I’ll come back to that). Perhaps most importantly, get a healthy amount of sleep – aim for eight hours a night and try to create nights of sleep where you rise naturally instead of at the behest of an alarm clock.

A key point about exercise: it can be a great channel for negative feelings. Over and over again in my life, I’ve found that vigorous exercise just channels away a lot of negative feelings that I have. “Vigorous exercise” means different things for different people – I’d say just find something you reasonably enjoy doing and do it at a pace so that you’re somewhat out of breath for a while. I do this while running/jogging/walking (I just seek a pace where I’m panting but it’s not getting considerably worse or better and stick with that pace) and with taekwondo practice. It’s quite impressive how such exercise melts away stressful negative feelings.

In addition, let me recommend two other practices that have helped me handle stress over the years: meditation and journaling. Meditation basically boils down to spending some time turning off the constant monologue in your head. I do it by sitting calmly in a chair or on the floor for fifteen minutes (you may want to start with a shorter time) and simply focusing on my breathing, in and out, and bringing my mind back to focus on the breathing whenever it wanders. It really calms he mind in the short term and actually helps me focus better over the long term. For journaling, I tend to do a daily “brain dump” where I just write out whatever’s on my mind for a few pages, which is the most stress reducing part of the practice.

Document Everything

Documentation is a good practice for any work environment, but a particularly good practice in a high-stress and potentially toxic environment. Document. Everything.

The best way to do this is to keep a work diary where, each day, you document the tasks you worked on and how you moved forward on them along with any significant interactions with others, particularly ones that were stressful. Write it all down and keep it in a place where you have access to it and it can’t be deleted or removed by IT professionals at work.

This document serves two purposes. First, it clearly outlines your positive efforts at work in rather intense detail. It’s pretty hard to argue against a lengthy work diary that correctly outlines your efforts over a long period of time. Second, it provides documentation of potentially negative relationships that dip into extreme toxicity and damage your career.

It’s well worth your time to spend a few minutes a few times a day documenting what you’re working on and what some of the potentially troublesome interactions that you had were like. Being able to refer to specific actions and specific dates in detail at a later time may end up saving your career.

Avoid Office Gossip and Negative Talk

Negative workplaces tend to have a very active gossip mill, where negative stories are shared about others behind their backs. Gossip is poison to a workplace because it eventually creates an environment where lots of people don’t trust each other, and a lack of trust makes it very hard to get work done in any sort of collaborative way (or to even enjoy a day at work at all).

Just avoid it. If you hear office gossip, assume it’s false. More importantly, don’t say anything or add anything to it. Never offer anything on your own and if you’re asked about it, just shrug it off and say something noncommittal like, “I’ve never noticed that.”

If you find that some people regularly gossip, tone down your water cooler relationship with those people and find others to hang out with. Intentionally seek relationships in the office with people who don’t gossip and who almost entirely speak positively of others.

Do not let your reputation get tainted by being a gossip, even if it feels good. Don’t find yourself in a position to ever have to defend negative words you spread behind a person’s back. Don’t ever open yourself up to the criticism of “Well, you deserved the gossip about you because you were doing it to him/her!”

What about criticism in meetings where it’s warranted or requested? If that’s the situation, then some criticism is fine. You should never criticize anyone in a way that isn’t directly to their face and you shouldn’t say anything in a setting beyond one-on-one conversation that you would want anyone to say about you behind your back, ever. If you absolutely must criticize, focus on the problem as specifically as possible and, if you can, make sure to mention positives along with the criticisms.

Pick Your Battles Wisely, But Stand Up for Yourself When Needed

There are going to be times where you are going to have to fight for yourself in a negative workplace. You are going to have to stand up for yourself against unfair criticism and poor treatment. If you allow yourself to merely accept it, it will never get better and it will likely get worse.

My advice is to pick your battles wisely. Decide which issues are important and which issues are not, and decide clearly where the line in the sand is. If something crosses that line, fight that battle; if it doesn’t, just recognize it as something that isn’t genuinely important and roll with it.

Simply figuring out where your line in the sand is can be vital. For me, I decided that the big “line in the sand” for me was criticism of the code I was writing, which I knew was good code. For my various faults as an employee and person, the big thing I was confident about was the computer code I produced – it was well documented and formatted with good error handling and variable names and clear data structures, pretty much everything you would want. I would stand up and defend my code, but other things would wash over me. (I had other “lines in the sand,” but this was a clear one.)

When you choose to stand up for yourself, be firm and don’t back down. Make sure you know what you’re talking about and stick to your guns. At the same time, don’t get angry; if the other person gets angry, just listen to their anger but don’t respond with anger. Simply stick to your guns. It is hard to do this sometimes, I know, but if you give in to what someone else demands when it’s wrong and crosses your “line in the sand,” the results are not going to be positive for anyone involved. This is very hard, but it must be done.

Start Building Your Long Term Escape Plan and Give Yourself Light at the End of the Tunnel

One aspect of highly stressful and toxic work environments that compounds the negative feeling is the sense that there is no way out of this mess, that you’re stuck here in this swamp, that there is no light at the end of the tunnel. You should never, ever put yourself in a situation, good or bad, that doesn’t have light at the end of the tunnel.

If you feel like this, then you should start trying to build that light. Build a long term escape plan, starting today, and put as much effort as you can into making it work.

The first part, of course, is building a firm financial foundation so that you can afford to make a switch. This means doing everything you can to spend less than you earn, and that means cutting back on as many expenses as you can and putting that money aside. You should build yourself a small emergency fund (just money in a savings account for emergencies that you refill when it’s depleted – aim for $1,000 for starters, but more is always good especially when facing a big life change in the future) and then start paying off debts so your monthly bills are as low as possible.

The other part of this is planning for the next step in your career. Do you want to stay on the same path but just in a different position? Start really working on sharpening your resume and building professional relationships (especially beyond your workplace) and doing things at work (and beyond) that will look great on your resume, like big projects or educational endeavors. If you want a career change, focus strongly on the financial planning needed to make that happen and prepare yourself for that leap. Where do you want to be in two years? Start making that happen now.

Look on the Bright Side

A final strategy, one that’s always worked well for me, is to look on the bright side of things. There are always a lot of good things going on in your life, even if there’s stress and negativity on your plate, too. Reminding yourself often of the good things can really help with the stress and toxicity.

I keep a gratitude journal where, each morning, I note five things that I’m really grateful for in my life. Those are always universally good things. I try to stick with details – rather than saying I’m grateful for my kids, I look for something about them that I’m grateful for, like my daughter’s kindness or my son’s creativity or my other son’s burgeoning leadership. I try to avoid repeating them too often.

Over time, those gratitudes really build up. I can look through a few months of gratitudes and I can’t help but realize how great my life really is, even when parts of it are hard. That buildup seeps into my everyday thinking, too. I feel good about my life, even when some elements are challenging, and I attribute that to a constant focus on gratitude.

Final Thoughts

A high stress work environment is something that is incredibly damaging to one’s well being, both physically and mentally. It’s an environment that people should normally avoid, but many people find themselves “stuck” in such situations.

Still, there are many tools on the table that can help with such situations, from better practices for handling stress to finding ways to improve your workplace, from ensuring that you’re doing all you can to protect yourself from the chaos to building a better path to the future.

Take advantage of these tools. Build a better future for yourself. It’s all up to you.

Good luck!

The post How to Handle a High Stress Work Environment appeared first on The Simple Dollar.



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How This Jetsetting Mom Paid off $17.5K in Debt in 16 Months

Five Reasons You Shouldn’t ‘Sell in May and Go Away’

You may have heard the popular idiom that when it comes to your investments, you should “sell in May and go away.”

It’s unclear exactly where this comes from. Investopedia suggests that it may originate with an old English tradition in which aristocrats and other businessmen left London to vacation for the summer — which, if true, would be a hilarious basis upon which modern investors are making decisions. Others suggest that it simply reflects the fact that professional traders have historically taken time off in the summer, leading to lower trading volumes and lower returns.

But is there any truth to it? Are investment returns worse during the summer? With Memorial Day weekend approaching and the month of May almost over, should you be selling out of your investments right now?

The answer is a definite no, at least if your only reason for selling is because of this idiom. Here are five reasons why.

1. Past Results Are Mixed

Truthfully, there is some data supporting the idea that investment returns are worse during the summer months.

Adam D. Van Wie, CFP®, fee-only financial planner and COO of Van Wie Financial points to data from Bespoke Investment Group showing that the S&P 500 provided a median return of just 2.8% from May through September over the past 28 years, compared with 10.97% during the other months. Additionally, Dan Gallinger from The Motley Fool points out that two of the three worst performing months over the last 90 years have been in May and September, while three of the four best performing months occurred in December, January, and April.

But that data is hardly conclusive. As Van Wie points out, even the data from Bespoke shows a positive median return during the summer, and it also says those returns were positive 64% of the time. Selling in May would have largely led you to miss out on growth.

And recent years in particular have generally provided good returns during the summer months. Using Morningstar to analyze Vanguard’s Total US Stock Market Index Fund (VTSAX), we see positive returns from May 1 through October 31 for five of the past six years, and annualized returns during that period of 15.8% in 2014, 18.6% in 2017, and 25.2% in 2013.

“This was an old adage or trend and it does not necessarily exist anymore,” says Sahil Vakil, CFP®, president at MYRA Wealth. “Astute investors have exploited inefficiencies in the marketplace, and reduced the predictability of low volume and decreasing stock prices.”

The bottom line is that the data does not consistently support the idea that summer returns are lower than normal, especially recently, and it definitely doesn’t support the idea that your investments are likely to lose money in the summer.

2. Past Patterns Do Not Predict Future Performance

According to Colin Overweg, CFP®, founder of Advize Wealth Management, the vast amount of stock market data makes it easy to find historical patterns that don’t hold any bearing on the future.

“The guru, chartist, or technician believes in these theories because he or she believes that history repeats itself,” Overweg says. “But there are an infinite number of patterns that one can find looking at historical data and therefore diminish any chance of using them to profit on. There is no theory that has been used to consistently out-perform the market.”

In other words, even if you were able to find a consistent pattern of under-performance during past summer months, there’s no reason to expect that that pattern would persist going forward or that you would be able to profit off it. It’s just as likely to be completely random.

3. The Real Danger of Market Timing

When the subject of market timing comes up, it’s often talked about in the context of avoiding negative returns. The “sell in May and go away” idiom is a good example of just that.

But there’s another, perhaps bigger, danger that market timing introduces, and that’s the fact that a large percentage of the stock market’s long-term return comes from just a few good days, and that being out of the market on those days could really hurt you.

“Missing just the 25 best single days from 1990 to 2017 would cut your S&P 500 annualized compound returns in half, from 9.81% to 4.53%,” says Dejan Ilijevski, president of Sabela Capital Markets. “Disciplined investors tend to perform much better than those who try to beat and time the markets.”

Negative returns are certainly harmful, but missing out on good returns is often even worse. And given that the stock market goes up more often than it goes down, being out of the market for a few months introduces a lot of risk.

4. Costs and Complexity

Even without the data showing that it’s not likely to work, the logistics of managing a “sell in May and go away” strategy would be tough to pull off.

First, selling your stocks each May would subject you to capital gains taxes every single year, in addition to any trading costs involved with both selling out of your stocks and subsequently buying back in. Given that cost is the single best predictor of future returns, and that lower costs are better, this would present a significant hurdle towards reaching your investment goals.

Second, dealing with both the sale and re-purchase of your stock investments each year introduces a lot of complexity and room for error, and puts more work on your plate than is really needed.

“Keep all things money related simple,” says Kalyn Hochstrat, a fee-only financial planner rooted in Idaho. “There is no need to reinvent the wheel or add unnecessary complications because someone, somewhere says it’s a good idea.”

5. Know the Difference Between Entertainment and Advice

Ilijevski cautions that there’s a big difference between snazzy idioms and actual investment advice.

“Catchy headlines are meant to attract viewership and readership, but the financial news media in general has nothing to do with investors’ best interest,” says Ilijevski.

A good investment plan focuses on setting meaningful goals, saving enough money, contributing to the right accounts, using evidence-based investment strategies, and sticking with your plan through the ups and downs.

Theories like “sell in May and go away” might sound good, and you may even be able to cherry-pick some data to make them look good. But they never take your personal goals into account and they should never be confused with actual investment advice.

They’re for entertainment purposes only, and your future is too important to think of them otherwise.

Matt Becker, CFP® is a fee-only financial planner and the founder of Mom and Dad Money, where he helps new parents take control of their money so they can take care of their families.

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