Thousands of courses for $10 728x90

الخميس، 14 يونيو 2018

Don’t Blame Gamers for Falling Labor Force Participation. Here’s Why


Right now, the economy is humming.

The labor market just hit a major milestone when job openings surpassed the number of people looking for work. And the embattled retail sector seems to be on an upswing.

Then why have so many people dropped out of the labor force since the turn of the 21st century?

Like many modern problems, some academics have been quick to blame gamers for the phenomenon — at least when it comes to young men. The thinking goes: Millennial dudes might be more inclined to dab on haters all day in Fortnite than get out of their gaming chair and hunt for work.

But a working paper published this week by Federal Housing Finance Agency economist Gray Kimbrough effectively frags that theory.

It’s not quite a fatality, since the paper will likely be revised before final publication. But Kimbrough used data about men between the ages of 20 and 30 from the U.S. Bureau of Labor Statistics to find that, while some classic tropes about gamers — like most live with their parents — are true, young men haven’t been leaving the workforce to pursue a life of no-scoping n00bs and casuals.

“Moreover, an examination of men who recently left employment suggests that they do not prefer to spend significantly more time gaming than currently employed men, contrary to the hypothesis that preferences for gaming could be enticing men to leave the labor force,” he wrote in the paper.

A far more striking trend is the fact that an aging U.S. population is moving out of the labor market. Also, women appear to be foregoing work due to lack of advancement opportunities, childcare costs and the lack of parental leave.

Of course, with the rise of Twitch and monetized streaming, gamers can more easily make gaming their full-time job.

But for the rest of us, who struggle not to get murked by 12-year-olds on summer break, you can find a real job at The Penny Hoarder Jobs page on Facebook.

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.



source The Penny Hoarder https://ift.tt/2JBd6Dn

Tell an Amazing Dad You Know About These 8 Fabulous Father’s Day Deals


Dads are incredible — they’re always there to fix things, whether it’s a broken pipe or a broken heart.

Father’s Day is this Sunday, June 17. Have you made plans yet? If you haven’t, don’t worry! We have deals for you.

Already have plans? Take advantage of these freebies anyway — free beer and ice cream never hurt anyone.

8 Penny Hoarder-Approved Father’s Day 2018 Freebies

Get free stuff for Dad by taking him to any of these eight places for Father’s Day 2018. Here’s what he could score.

1. Free Meal at Beef ‘O’ Brady’s

Dads get a free meal at Beef ‘O’ Brady’s on Sunday, June 17, with the purchase of another meal of equal or greater value (up to $10). Doesn’t every dad deserve curly fries?

2. Free Firehouse Sub

Firehouse Subs is offering a coupon for a free medium sub with the purchase of an additional sub, side and drink.

3. Free Hooters Wings

Make your dad feel special this Father’s Day by taking him to Hooters, where you’ll get 10 free wings with the purchase of 10 wings and a beverage.

4. Free Meal at Spaghetti Warehouse

Dads eat free at Spaghetti Warehouse on Sunday, June 17! Dads can opt for the 15-layer lasagna or any of their original recipe spaghetti entrées.

5. Free Froyo at TCBY

Dads get a small cup, cone or the first 6 ounces of froyo free at TCBY on Sunday, June 17.

6. Free Old Fashioned Sundae at Wienerschnitzel

All dads can enjoy a free old-fashioned sundae at Wienerschnitzel on Sunday, June 17.

7. Free Combo Meal at PDQ

On Sunday, June 17, dads get a free combo meal, bowl or salad at PDQ with the purchase of any meal, including kids meals, all day long.

8. Free Sandwich at Bruegger’s Bagels

Dads get a free sandwich with the purchase of another sandwich this Father’s Day at Bruegger’s Bagels.

Jacquelyn Pica is an editorial intern at The Penny Hoarder. She may or may not have already made plans for Father’s Day.

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



source The Penny Hoarder https://ift.tt/2t7QtLT

Want the Small-College Experience Without the Big Price Tag? Read This


A lot of factors go into deciding which college is right for you.

While the financial aspect is hugely important in the decision-making process, there are other things to consider as well — one of them being size.

A huge college or university can give you that “big college experience,” but a smaller school can provide intimate class sizes and a more focused education.

If you’re just not into the idea of painting your face for football games or sitting in a lecture hall with 399 other students, a small college experience might be for you.

Unfortunately, the small college experience isn’t all that cheap.

Because these schools have fewer students paying tuition, they often have to jack up their prices to compensate, leaving the students who do attend paying the price for those smaller classes and that feeling of a tight-knit community.

In fact, Student Loan Hero reports that Peterson’s, an educational data firm, found on average, small colleges cost as much as $5,470 more in tuition and fees than the average costs across all colleges in 2016.

Over the course of a four-year degree, that could tack an extra $21,880 onto your student loans, which is no small sum.

The good news is there are a few small schools that don’t cost an (extra) arm and leg to attend.

20 Small But Cheap Colleges in the U.S.

Student Loan Hero looked at 626 colleges with graduating classes of 500 students or fewer to put together a list of the 20 most affordable small colleges in the U.S.

Seventeen of these schools are state or local public colleges, while three of the 20 schools have tuition-free initiatives that mean you could receive a college education for $0 between your work-study job, scholarships and grants.

It’s important to note that the numbers on this list are based on in-state tuition, and will be different for out-of-state students.

Also, seven of the 20 cheapest small colleges are located in Oklahoma, which isn’t really all that surprising. But I leave it up to you to decide whether “move to Oklahoma” goes on the “pro” or “con” side of your list.

The choice is up to you — all I can do is help relay the info from Student Loan Hero. So without further ado (I promise), these are the 20 cheapest small colleges in the U.S. right now, along with the annual tuition and fees. (Keep in mind that the average annual cost of in-state tuition and fees across all public four-year colleges is $9,410. For out-of-state colleges, that figure jumps to $23,890. OK, that’s the real end of the “ado.”)

  1. College of the Ozarks, Missouri: $403
  2. Berea College, Kentucky: $570
  3. Alice Lloyd College, Kentucky: $2,050
  4. College of Coastal Georgia, Georgia: $4,434
  5. Dixie State University, Utah: $5,022
  6. Dickinson State University, North Dakota: $5,339
  7. New Mexico Highlands University, New Mexico: $5,550
  8. The University of North Carolina at Pembroke, North Carolina: $5,816
  9. Cameron University, Oklahoma: $5,970
  10. Emporia State University, Kansas: $6,178
  11. Northeastern State University, Oklahoma: $6,207
  12. University of Science and Arts of Oklahoma, Oklahoma: $6,270
  13. East Central University, Oklahoma: $6,279
  14. Southeastern Oklahoma State University, Oklahoma: $6,450
  15. Southern Utah University, Utah: $6,530
  16. Southwestern Oklahoma State University, Oklahoma: $6,690
  17. York College, New York: $6,747
  18. New College of Florida, Florida: $6,916
  19. Rogers State University, Oklahoma: $7,000
  20. The University of Texas of the Permian Basin, Texas, $7,060

Find the College That’s Right for You

Whether you decide to go big or to take advantage of that small college feeling, there are a lot of things that will go into your college decision-making process.

First, make sure to check into schools within your state. Most schools are significantly cheaper for in-state students than those coming in from another state.

Also, consider attending a community college for the first two years of your degree. They’re significantly cheaper than most four-year colleges, and you’ll save a significant amount of money by attending a community college for the first two years before transferring for years three and four.

Then, do the math when your financial aid letters begin to arrive. Make sure you know the different terms discussed in each letter and understand exactly how much you’ll receive. If you need help deciphering the terms and offers, don’t be afraid to call the school’s financial aid office to get answers.

Keep in mind that not all aid is the same, and while one school may seem to offer the most financial aid at first glance, it could be due to tricky wording; some schools include any loans you qualify for in their “aid” packages.

If you do end up needing to take out loans, make sure you know everything there is to know about taking on loans and paying them off.

The best strategy for graduating with as little debt as possible? Be informed.

Do your research, know your numbers and be sure to look at all of the options before you make your final decision.

Grace Schweizer is a staff writer at The Penny Hoarder.

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



source The Penny Hoarder https://ift.tt/2t6py3d

$1 Kids Movies at Regal Theaters Will Make Summer a Lot More Entertaining


Regal Entertainment Group wants to make things a bit more animated this summer.

If you’re feeling stuck and searching for cheap things to do with your kids while they’re on summer break, head to a participating Regal theater on a Tuesday or Wednesday morning June through August to catch one of 18 awesome animated kids movies for only $1 per ticket.

The movies are a part of Regal’s Summer Movie Express promotion. Regal will donate a portion of the ticket sales to the Will Rogers Institute, which funds medical research for cardiopulmonary diseases.

Head to Regal’s website to find a participating theater near you and see the schedule. All showings begin at 10 a.m, and theaters will play two movies each week. (Both movies will play on both Tuesday and Wednesday.)

You can purchase tickets in advance or at the box office.

What Movies Can You See at Regal for Only $1?

Here are the movies in the 2018 Regal Summer Movie Express lineup.

Week 1

The Iron Giant

Curious George

Week 2

Despicable Me

Ice Age: Collision Course

Week 3

Storks

Mr. Peabody & Sherman

Week 4

Despicable Me 2

How to Train Your Dragon 2

Week 5

The Lego Movie

Alvin and the Chipmunks

Week 6

Sing

The Peanuts Movie

Week 7

The Lego Ninjago Movie

Ferdinand

Week 8

The Secret Life of Pets

Alvin & The Chipmunks: Squeakquel

Week 9

The Lego Batman Movie

Trolls

Week 10

Minions

The Boss Baby

Week 11

Paddington 2

Captain Underpants: The First Epic Movie

Please note the lineup and number of showings may vary, so be sure to check the schedule at your participating location.

Desiree Stennett (@desi_stennett) is a staff writer at The Penny Hoarder. She doesn’t have kids but will likely find a way to go see “Minions” anyway.

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



source The Penny Hoarder https://ift.tt/2p62zRJ

25 Free and Simple Things to Do That Will Make Your Life Better

Unless I happen to slip into a flow state where I’m so focused that I lose track of time on a task, I find myself needing a break about ever hour or so when I’m trying to get something done. My focus wanes and I need to do something that recharges me a little bit.

It’s during those little breaks that I might be tempted to play a game on my phone or play a quick computer game or do some online shopping or something like that, but I find that when I do those kinds of things, I don’t really feel refreshed to go back to whatever task I was working on, and sometimes I’ll even have spent some money.

Instead, I’ve come to fill the little cracks in my day with little free and simple things that simply make my life better. They don’t cost money and they usually don’t take very long, but they provide a nice little perk to my day. I usually do one or two of these things whenever I take a break from working or any bigger task I’m involved with, and on lazier days I often do several of these things scattered throughout the day.

I find that on days when I do these things, I find myself in a better and more focused mood later in the day, which often gives me the energy to do things like make a great dinner for my family, be present with them throughout the evening, enjoy time with my wife after the kids are in bed, and even dabble in some of my hobbies with a clear mind.

Here are 25 free and simple things to do that will make your life just a little better.

Sit outside for five or 10 minutes without any distractions. Leave your cell phone inside and go outside to a comfortable spot with a nice view. Plop yourself down and just look around for a while. It’s often pleasant to do this with a beverage in hand – a glass of water or a cup of coffee works really well. Look at the world around you and notice little details like your neighbor giving his daughter a hug before she goes off to camp or a rabbit hopping across the yard or a little kid learning how to ride his bike or the warmth of the sun on your skin. You’ll feel better and more connected to the world.

Go on a walk around your neighborhood. A walk is a great form of low intensity exercise. It’s not intense enough to leave you sweaty or anything, but it gets your blood moving and your heart rate up a little bit. That little bump in blood flow, plus the fresh air and sunshine that you’re getting, plus the ability to simply explore the area around you and see/greet neighbors makes a short walk around the neighborhood a great little break in the day.

Go on a nature walk or hike in a nearby park. Take the walk around your neighborhood a step further and head to a local park to take a nature walk. This combines most of the benefits of walking around your neighborhood with the known calming benefits of being in nature. The practice of “forest bathing” – simply spending time in a forested area – has a number of known short term and long term health benefits.

Drink a big glass of water. Most of us can afford a little bit of additional hydration throughout the day. Simply drinking a large glass of water can help all of our body’s systems function properly, plus it can help stave off hunger and help us feel more sated. I often genuinely feel better after drinking a glass of water if I haven’t had any water in a while. It seems to awaken me.

Stretch out your body by stretching your various muscle groups for five or 10 minutes. Simply stretching out all of your muscles feels incredible. It’s a pretty low intensity thing to do – I often do it while listening to a podcast or audiobook – and it leaves you feeling more flexible and just feeling good all over. I generally follow Bruce Lee’s stretching routine to the best of my ability. I’ve been doing this for several months and have seen gradual improvements in my flexibility, plus it just feels good to do it and it provides a moment of calm in the day. Note that it’s a good idea to warm up a little first before stretching by doing some jogging in place or jumping jacks.

Clean out the inside of your car. Over time, most cars collect little pieces of detritus – a wrapper, an empty beverage bottle, a forgotten bag, a receipt, a forgotten folding chair in the trunk, a bit of grass from a hike, some dust on the dashboard, and so on. That little bit of messiness can contribute to a small negative feeling when you get in the car, a feeling that can be easily washed away by spending 15 minutes clearing junk out of your car. Clear everything you can off of the floorboards, give them a quick vacuuming, and wipe down the dashboard and panels to remove fingerprints and dust. This little task can make your car feel fresh and new again and you’ll feel good when you get in there to drive next time.

Eat something really healthy, like a piece of fruit or a vegetable. Grab a banana or an apple or a stalk of celery and just munch on it. This is a great thing to do in combination with just going outside and sitting down and looking around for a bit. I’ll often grab an apple and just sit on the front step in the sunshine eating it, watching the life around me. Eating a quick healthy snack usually helps you feel better in the moment and fills you up with something truly good for you, which can take the edge off of cravings for lower quality food.

Document a day in your life (or in the life of someone in your immediate family). Spend a day in which, every 15 minutes or half an hour or hour, you take a picture of whatever it is you happen to be doing at the moment. You can do this with a loved one, too, if you’re spending the day with that person. You can do a selfie or a picture of your environment or whatever. I do this every once in a while, just fully documenting a day. When I’m done, I’ll stick all of the pictures in a document somewhere and add captions explaining it. It’s enjoyable to put this together because it provides a nice meditation on how I actually spend my time. It’s also really fun to go look at older documents like this. It can turn a completely ordinary day into something surprisingly thoughtful and memorable.

Be helpful to someone who needs help, without expecting anything in return. If you see someone that needs a hand, whether it’s someone at the grocery store or someone in your apartment complex or someone at the park or someone in your house, just give that help without question. Load someone’s groceries into their car for them and return their shopping cart. Help your neighbor lay bricks for his new patio. It just takes a few minutes and you’ll be incredibly glad that you did this.

Fill up a bag of items to give to Goodwill. This is a wonderful way to declutter your home quickly and get rid of items that you’re not going to use any more. Just get a big canvas bag and fill it up with items that you don’t use any more that someone else could probably use, then drop off the contents of that bag at Goodwill (or your preferred place to drop off secondhand items) the next time you’re nearby. In one swoop, you’ve cleaned up your living quarters and reduced the amount of stuff you have to maintain and pick up and deal with while also being charitable.

Read a chapter or a section of a really thoughtful book. Check out a book from the library on a topic that you’ve always been curious about, and then in short bits throughout the day, read a chapter or a section of that book. The goal is to read just a handful of pages so that you’re not reading for an extended period. With a thoughtful book, you’re probably going to have a few new ideas to think over after reading that chapter, so you can let those ideas percolate in your head as you go about your day. It’s a great way to slowly digest and learn a new topic, which is a great way to understand the world a little better.

Take care of a task that’s nagging you in the back of your mind. We all have lists of undone tasks. Right now, the faucet on the sink in the upstairs bathroom needs replaced, as does an infrequently used light fixture on the main floor, and I’d like to do some rearrangement in one of the other bathrooms, and there are some closets that need rearranging… it’s quite a list! Just choose one of the things on that list and either complete that task or make a serious start on it by ordering the supplies you need or taking some other first step on that project. You’ll feel like you made real progress on things left undone and that will feel quite good indeed.

Go through your print photos and digitize and organize them. This is a great ongoing project if you have a large collection of photo prints just sitting in a box or an old photo album. Start digitizing them now before they degrade too much and then you can make prints whenever you like, plus you can use those old photos for digital picture frames and screensavers and other tasks. All you really need is a flatbed scanner, which is inexpensive these days, and some time. This is a project that you can do in ten minute chunks over a long period of time – just leave out a box of photos near the scanner and spend a few minutes scanning a few pictures here and there and saving them to your photo archives.

Go through your digital photos and organize them, too. Similarly, if you have a giant collection of digital photos, spending some time organizing them can be a great help when trying to find a photo. A good tool for doing this is Google Photos, where you can easily add descriptions to your photos so that you can search them and quickly find pictures of your aunt Mildred. You can also keep a full copy of all of your photos on your computer, of course, and by using Google Drive, you can share your full photo archive with all of your devices automatically. This is another task that can be done in short batches when you have a few free moments and it’s one of those tasks that becomes more and more valuable the more pictures you’ve described.

Send a quick appreciative message to someone who helped you recently. If someone helped you out or did something thoughtful for you in the recent past, take a moment to send that person an email or a text genuinely thanking them for their help. When people help others, it feels good to feel appreciated for that effort and it takes just a moment to give that kind of appreciation. Not only that, it feels good for you to have given thanks for something good that happened to you.

Write a letter to someone who was a great mentor to you when you were younger. This is just an extension of the previous tip. Rather than simply giving a quick thanks for someone who did something for you recently, take some time and write a letter to someone who really helped you in the past and express your sincere gratitude for that help. Spell out exactly how they impacted your life in a positive way. Writing a letter like this is a great task to do in little pieces, especially if you want to write a draft or two to make sure it’s perfect. A letter like this can be hugely meaningful for both the person writing it and the person receiving it.

Explore your local library. Many people have the impression that the library is just a building full of books. While the library is definitely that, it houses many, many more things. Most libraries have audiobooks, DVDs and Blurays, free internet access, study rooms, meeting rooms, equipment you can check out, community meetings, presentations, and many other things going on there. Trust me – it’s an underappreciated feature of your town. Take a few minutes and see what your local library has on offer.

Fill up your backpack or a basket and go on a picnic. This is a great way to turn that walk around the neighborhood or that walk in the park into a longer adventure without breaking up your day. Just fill up a backpack or a picnic basket with the items you’d need for a picnic lunch and take it with you on a walk. Find a comfortable place to sit and spread out, then enjoy a meal in a natural setting. Better yet – don’t bring any distractions along with you. Leave your cell phone at home or in the car and just enjoy the environment. You’ll end up feeling subtly relaxed and walk away feeling much better about the state of things in your life.

Close your eyes and focus on your normal breathing for five minutes. This is my basic meditation technique that I use at least twice a day to calm my mind. It’s a subtle effect, but it works wonders over the long term with regards to calming anxiety and feeling more aware and in control of your life and just generally content with things. Just find a comfortable place to sit, close your eyes, and focus your mind on your natural in-and-out breathing. If you notice your attention slipping away and drifting into random thoughts, bring it back to your breath. Do this for five minutes. You might not notice a huge change from doing this, but over time there’s a real positive effect in many subtle ways.

Take a longer than usual shower or bath. A daily shower or bath is a hygiene routine that most of us follow, but most of the time it’s a quick and automatic task to be done at the start of the day or the end of a sweaty activity. Rather than just making that task automatic, instead consider a long and luxurious shower. Let yourself soak in the water and carefully scrub every inch of your body. You’ll walk out of the bathroom feeling wonderfully invigorated.

Do some simple bodyweight exercises for five or 10 minutes. This is a great way to improve your fitness in just a few minutes a day. The seven minute workout has become quite popular in recent years and for good reason – it’s a good way to exercise all of your body in just seven minutes. You don’t have to follow that exact workout, but by simply devoting five or 10 minutes to a fairly vigorous set of calisthenics that works all of your body, you’ll get your blood flowing and your endorphins rushing in your veins. You’ll feel quite good when you’re done and you’ll gradually get yourself into better shape and thus more able to tackle an array of everyday tasks in your life.

Make a really great meal for you and your family. Most of the time, we prepare simple meals for ourselves and our family. Rather than going the simplest route, invest a little more time and effort to make something better. Rather than just dumping in a jar of pasta sauce, saute some onions and peppers in a skillet and add the sauce to those. Rather than just grilling something, put it in a marinade an hour or two beforehand to add a ton of flavor. It takes just a few minutes to jazz up a meal, but it almost always pays off in terms of flavor and family appreciation and a general sense that you can, in fact, make amazing meals at home.

Read the archives of a really good blog. Pick out a blog you really like – such as, say, The Simple Dollar – and start digging through the archives. Start from the beginning and read all of the entries over time until you catch up to the present day. It can sometimes be hard to find the earliest entries, so dig around a little. You’ll often find really fascinating nuggets and ideas in the earlier writings of your favorite sites, and you’ll also often see an evolution in writing style and changes in the writer’s life. Since each article on most blogs can be read in just a few minutes, this is a great way to read a site one bite at a time.

Think about something in your life that you’re grateful for and reflect on it for a minute or so. Just consider something that makes your life better – whatever it might be – and think about how much it really adds to your life for a good minute or so. Think about a loved one or your favorite chair or a really great book or one of your personal skills or something as simple as warm sun on your shoulders. You’ll find that such a practice is really effective at brightening your whole day.

Pick a spot in your home that’s messy and clean it for 15 minutes straight. Simply cleaning up one of the messy areas in your home by clearing out all of the junk, getting rid of the useless things, and putting other things back where they belong makes such a huge difference in making your home feel more organized and livable and presentable. I’ll stop and do this with things like my office desk or my office bookshelf and I’ll quickly feel a lot better about the space around me. I also regularly find things that inspire me or things I’ve left undone and forgotten about that I should pick up, which again leads to a greater sense of contentment and control over my life.

But all this stuff is BORING! Whenever I make a list of frugal tips or things to do, I often hear from a reader or two who tells me that everything on my list is boring or somehow not applicable to their life.

If you feel this way, I have two suggestions. First, recognize that perceiving things as boring is very much a “cup half empty” way of viewing the world. We all have the capacity to choose how we see the world, and choosing to see only the negatives in the options before you tends to produce general overall unhappiness. Instead, evaluate the options before you with a nod toward the positive aspects rather than the negatives. What’s good about this option? Ask that question instead of focusing on the negative. Second, lists like these are like a dinner buffet – you should choose the ones that click for you and not worry about the rest. Everyone is different, and different things click with different people. Rather than trying to do all of them, pick out five or ten that seem like they might click well for you or are simple and short enough that you can try them without much risk and just see how it works out.

For me, though, these little perks add a great deal of my value to my day without costing me anything other than just a little bit of time. They put me in a positive mindset about my work, leave me feeling energized even late in the day, and contribute to an overall sense of living the good life without emptying my pocketbook one iota. That’s a pretty great thing, in my opinion.

Good luck!

The post 25 Free and Simple Things to Do That Will Make Your Life Better appeared first on The Simple Dollar.



Source The Simple Dollar https://ift.tt/2sVnb3J

Lyft Redesign Makes Ride-Sharing and Transit Options Easier to Access


Lyft is undergoing a revamp. Among the new changes to the ride-hailing company’s app is an increased focus on ways riders can lower the cost of their trips.

Lyft Line — the app’s shared-ride feature — is being rebranded as Lyft Shared and will be displayed more prominently to users on the app. Sharing a ride with strangers taking similar routes reduces the cost for riders.

After users select their destination, the newly designed app will now show price comparisons of different types of rides — including shared rides — on one screen. According to Wired, those using the shared-ride feature may now have to walk to the next block or so to minimize driver detours and shorten the length of the trip.

Lyft’s new redesign may also prompt riders at the beginning of their route to share a detour-free ride with a nearby passenger going to the same location. For instance, you could share a ride with someone leaving the same concert as you who just happens to live down the block from your home.

According to the company, Lyft riders currently use the shared-ride feature more than 30% of the time in available markets, but Lyft wants 50% of all trips to be shared rides by the end of 2020.

Lyft is also partnering with mass-transit companies to integrate information about public transit routes into the app. Lyft says it has inked partnerships with more than 25 public-transit agencies. It will start off with the Transportation Authority of Marin in Marin County, California, and the Big Blue Bus in Santa Monica, California.

Riders will be able to more easily plan their trips using a mix of Lyft services and public transportation to save money. For example, you could take Lyft to the nearest bus stop and then take a bus, at a lower cost, to your destination.

Lyft has already begun the rollout of its redesign. It should be available to all users by the end of June.

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.



source The Penny Hoarder https://ift.tt/2yaH4ZE

You’ll Probably Want to Wash Your Kitchen Towels After Reading This


You may have noticed a new study on kitchen towel bacteria that’s been getting a lot of attention.

At first glance, the study’s results are pretty gross and a little alarming. But before you toss all your kitchen hand towels in the trash, let’s take a closer look at its conclusion.

Researchers from the University of Mauritius gathered 100 kitchen towels from an assortment of homes with families of different sizes to test the cloth for surface bacteria.

Almost half the towels tested positive for Staphylococcus aureus, Enterococcus spp. and coliform bacteria (specifically E.coli) — microorganisms that could ultimately lead to food poisoning.

Staphylococcus bacteria is typically found on your skin or in your nose. The remaining two types of bacteria are commonly found in the intestines.

I’ll let you work out for yourselves how those last two microorganisms wound up on towels that live in the kitchen.

Kitchen linens are also used to clean up spills, wipe down counters and even mop up the floor. It’s no wonder those innocent-looking towels hanging near your stove or refrigerator are teeming with bacteria just looking for an opportunity to make us sick.

I clutched my pearls when I first read about this study and made a mental note to burn all my kitchen towels by sundown.

But then I took a closer look at the details and learned the linens collected by the researchers hadn’t been washed in at least a month.

A month?

Look, I’m not here to judge anyone’s laundry habits. You do you.

But I’m pretty sure kitchen towels that haven’t seen the inside of a washing machine in more than 30 days are bound have a ton of bacteria on them — and who knows what else.

I’m not saying you should ignore the study, but this isn’t the first one to suggest that kitchen towels are just pretty petri dishes.

In a  2014 University of Arizona study led by microbiologist Charles Gerba, researchers collected 82 towels from five major cities in North America to run bacteria tests.

(Amusingly, researchers gathered the towels by going door-to-door asking whoever answered if they’d donate a kitchen towel for the study. Those must have been some interesting conversations.)

Anyway, Gerba found coliforms on 89% and E. coli on 25.6% of the towels.

And I hate to tell you this, but towels aren’t the only thing in your kitchen that bacteria like to call home.

Gerba says common kitchen items like sponges and cutting boards harbor more than their fair share of microorganisms.

Bacteria even turn up on can openers and blender gaskets.

So you see, your kitchen towels may have little colonies of bacteria on them, but so do most of the other things in your cooking space.

You could invest in disposable paper towels to avoid hosting a bacterial breeding ground on linens, but that can get pricy.

Instead, take care to hang up damp kitchen towels to air out. Wash them frequently on the hot cycle in your washing machine and dry them on the hottest dryer setting.

Thorough washing techniques lessen your chances of contracting food poisoning or other illnesses caused by germs lurking in the folds of your kitchen towels.

Now that you know how to deal with bacteria on kitchen linens, we should probably talk sometime about what’s on your smartphone.

Lisa McGreevy is a staff writer at The Penny Hoarder. She uses a clean kitchen towel every day but rarely remembers to wipe down her smartphone. She will now.

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



source The Penny Hoarder https://ift.tt/2HRh19s

You’re Young. You’re Healthy. You Still Need to Make a Will. Here’s How


Writing your last will and testament may not be the kind of thing you think about every day — especially if you’re young.

Until I had my daughter Rose three years ago, it had been at most a fleeting thought: “I should do this, but I don’t have time right now.”

But a major life change, such as the birth of a child or a death in the family, can be a huge wake-up call. For me, once Rose was born it became something I thought about much more often. What would happen to her if both my husband and I died? Now, pregnant with my second child, it’s something that has begun to weigh on my mind even more heavily.

Then, a few weeks ago, I attended a low-key information session on estate planning with Kim Estess, attorney at O’Diam & Stecker Law Group and fellow mother from my Moms Run This Town group. She used easy-to-understand language and laid out the steps to take when planning for the inevitable.

What Is Estate Planning?

When you hear the word “estate,” you likely think of rich people with huge houses and expensive possessions. But most people, regardless of social standing or income, have what is considered an estate.

Simply put, estate planning allows you to specify what will happen to your investments, possessions and even your children and pets once you die. The first thing you need is an attorney.

What Should You Look for in an Attorney?

The most important thing to look for is someone who specializes in estate planning and has the knowledge to get it right the first time. “The jack-of-all-trades attorney is the biggest red flag in this area,” Estess says.

Also, consider the cost. It might be tempting to go with the cheapest attorney you can find, but that rarely works out, she says.

You really do get what you pay for,” Estess says. “Call around and get price quotes from a variety of attorneys.” This will give you a clearer idea of the price range you’re looking at. If you choose a bad attorney solely based on price, you may need to pay someone else to fix your will down the road when you realize it doesn’t reflect your wishes.

Ask your friends for advice. “Word of mouth from a friend who has been through the estate- planning process is always the best way to find an attorney,” Estess says. “Bonus points if your friend can explain to you the plan she has in place and why she has it!”

Look for someone who aims to educate you on the process rather than just churn out a will that you don’t understand. You need to know that your will or trust reflects your wishes as you won’t be around to defend or explain it when it matters most.

What Should You Include in Your Plan?

Once you’ve found the right attorney, he or she should be able to guide you by asking questions about what you want to happen to your assets after you die. But there are certain things you should keep top of mind.

“For a couple with minor children, nominating a guardian for your kids is always the driving force for estate planning,” says Estess. “That happens through your will, so many young clients come in the door asking about a will.”

But a will is just one part of a comprehensive estate plan. Estess explains that a good estate plan should include a will, a durable general power of attorney and a health-care power of attorney. A general power of attorney lays out what should happen financially if you become disabled, while a power of attorney for health care specifies whom you would like to make your health-care decisions should you become incapacitated.

You can read a more detailed description of each of these in Estess’ article on Dayton Moms Blog.

Can You Write Your Own Will?

One word: no.

“I really can’t think of a scenario when it would be advised that you write your own will or use an online resource,” says Estess. “There’s so much that goes into creating an estate plan, and it’s not a one-size-fits-all type of process.”

Using a cheap attorney or an online will-writing service might save you money up front, but you’ll end up paying more in the long run.

“If you take shortcuts now, you’ll ultimately end up paying more — because sooner or later, it will end up needing to be fixed, and then you paid once to do it quickly (and likely subpar) and then you’re paying again to get it done the right way,” Estess says.

What Happens if You Die Without a Plan in Place?

The answer to this question largely depends on your location. In Ohio, where I live and where Estess practices law, the state determines how things will be handled.

“For any assets you own jointly with another person, or for any assets that have a beneficiary on them (think of your retirement accounts or life insurance), those assets will be distributed directly to the joint owner or the named beneficiary,” Estess says. “Any other assets will be handled through the probate process and according to those default rules from the state of Ohio.”

This means that if you’re married, your surviving spouse would inherit everything. But if you and your spouse both die, or if you don’t have a spouse, things get a little more complicated.

“Your children would be the beneficiaries, but their shares would likely be held in a probate guardianship account for their benefit until they turn 18,” Estess tells me. “With that comes extra time, paperwork and cost. With a simple will including custodial provisions, you can avoid the need for a probate guardianship for a minor and instead use a custodian to manage the funds for the minor through an account under the Ohio Transfers to Minors Act.

“The [act] allows more flexibility and is more cost effective, and it allows you to choose an age up to age 25 that the money would be held by the custodian for the benefit of your child.”

Twenty-five might sound old for your children to gain access to an inheritance, but delaying it until a later age could help ensure the money will be spent in a more sensible manner. For example, if you grant your children access to a lump sum of money at age 18, they might spend it on frivolous items rather than use it for something that will be of greater benefit in the longer term, such as a down payment on a house.

The best way to avoid dealing with state laws when it comes to distributing your wealth after your death is to have an estate plan in place.

It may be scary to think about your death, but putting off your estate planning could lead to disaster should you die unexpectedly. Instead, face the challenge head-on and make sure you have your wishes written down in legal form should the worst happen.

Catherine Hiles is a writer and editor based in Dayton, Ohio. In her spare time, she enjoys reading, running, cooking and chasing her toddler around the house.

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



source The Penny Hoarder https://ift.tt/2Mqg1wD

Can You Guess What the No. 1 Source of Stress Is in the U.S.?


A new study from Northwestern Mutual says that money is the leading source of both happiness… and stress. Rather, having financial security is the leading cause of happiness, and feeling unprepared for financial emergencies is the leading cause of stress.

Is anyone surprised?

But it’s always important to remember how seriously financial stress can affect people.

Over half of study respondents said they regularly experience financial anxiety and insecurity — a quarter reported they experience it often — and almost half said they deal with financial fear.

Interestingly, people stated they’re more stressed out by money than by personal relationships or work. And what gives them the most financial anxiety? Concerns about the rising cost of health care, being unprepared for emergencies, income and outliving their savings.

And to top it off, 28% of those surveyed said that financial anxiety makes them feel depressed at least monthly, with 17% reporting feelings of depression on a weekly, daily or even hourly basis.

Sometimes the solutions to financial anxiety are easy, like making a budget (you’d be surprised by how anxiety relieving it is to simply lay out your income and expenses) or downloading a mental health app.

But oftentimes, the solutions are a little more complex. If that’s the case for you, don’t be afraid to seek emotional or financial counseling; you’re not alone.

There are low-cost therapy options and free hotlines, such as the Crisis Call Center, to help you understand what’s going on and how to manage it.

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

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



source The Penny Hoarder https://ift.tt/2JTwoDi

Can’t Afford to Take the SAT? You Might Qualify for the SAT Fee Waiver


A college education is expensive — but also invaluable.

And while a traditional college experience isn’t for everyone, those who are choosing to go the university route could end up with thousands upon thousands of dollars in student loan debt.

Yikes, that’s a scary prospect.

Luckily, you can take steps while you’re still in high school to ease the financial burden you’ll be facing years down the road.

One of those steps is pretty simple — and overall incredibly cost effective — but it comes with an initial investment that isn’t always easy to scrape together.

Earning a high enough score on the SAT (even if you have to retake it a couple of times to improve that score) can make you eligible for merit-based financial aid and scholarships.

But at up to $64.50 a pop (plus fees), SAT test sessions aren’t exactly cheap — especially if you’re a teenage student who has to pay on your own.

Thankfully, there’s an SAT fee waiver for those who qualify.

The SAT Fee Waiver

Here’s what you need to know about the SAT fee waiver.

Who Qualifies for the SAT Fee Waiver?

SAT fee waivers are available to 11th- and 12th-graders from low-income households in the U.S. or U.S. territories. Students in grades 9 through 12 can take advantage of SAT subject test-fee waivers.

According to the College Board, you’re eligible for an SAT fee waiver if any of the following statements apply to you:

  • You’re enrolled in or eligible to participate in the National School Lunch Program.
  • Your annual family income falls within the Income Eligibility Guidelines set by the USDA Food and Nutrition Service.
  • You're enrolled in a federal, state or local program that aids students from low-income families.
  • Your family receives public assistance.
  • You live in federally subsidized public housing or a foster home, or are homeless.
  • You are a ward of the state or an orphan.

What Will Your SAT Fee Waiver Cover?

If you qualify for the SAT Fee Waiver, you’re eligible to take advantage of:

  • Two free SAT tests (with or without the essay).
  • Six free SAT Subject Tests.
  • Two free Question-and-Answer Service (QAS) or Student Answer Service (SAS) reports.

Plus:

You’ll also receive fee reductions for score-verification reports and will face no late registration fee for your free tests.

Your fee waiver will not cover the cost of changing your registration details (such as the date or testing center) after you register, nor can you use it for rush scores or to receive your scores via phone.

How to Sign Up for SAT Fee Waiver Benefits

If you think you qualify to receive a fee waiver, you’ll need to talk to your school counselor. Just be sure to do it well before your desired test date.

If your counselor didn’t already reach out to you regarding your eligibility, it probably means you’re not enrolled in the National School Lunch Program, and you’ll most likely have to produce other forms of documentation to prove you qualify for the fee-waiver benefits — and that could take some time.

If you’re homeschooled, you’ll need to contact a local high school counselor and provide your own proof of eligibility.

Once you’ve been approved for a fee waiver, you’ll be given a card with a 12-digit code.

You’ll need that, the name of your counselor and info on the eligibility requirement you met.

Then you can go here to sign up to take advantage of your benefits, or sign up by mail by sending in your fee-waiver card and registration form. (Your counselor can help you with this.)

For more details and information on how to take advantage of your SAT fee waiver, go here.

Grace Schweizer is a staff writer at The Penny Hoarder.

 

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



source The Penny Hoarder https://ift.tt/2JD4hsX

Taking the SAT Two or Three Times Can Help You Score More Scholarship Money


If you’ve taken the SAT, you probably swore you’d never go back and relive the horror that was that grueling four(ish) hours.

But, if you’re reading this today, you have to admit that you at least survived the experience of filling in hundreds of tiny ovals with your No. 2 pencil as your hand cramped in places you didn’t know you even had muscles and your eyes crossed from reading the same paragraph over and over again while you silently pleaded with your stomach to just stop growling — and (more than likely, anyway) that you could survive it again.

And that’s good news, because bringing up your SAT scores (by retaking the test) can actually help you secure merit-based financial aid when you start applying to colleges.

Retake the SAT for a Chance at More Financial Aid

While a high SAT score could be the key to getting into your school of choice, being admitted won’t be quite as sweet a victory if you can’t afford to attend without taking on massive student loan debt.

Luckily, the other perk of having a high SAT score is that you’re more likely to receive merit-based financial aid and will have a better chance at earning outside scholarships — those not affiliated with the school.

Now listen, I know that taking the SAT isn’t an inexpensive endeavor. Each test costs between $46 and $64.50 depending on whether you opt for the essay portion.

But if you can make it happen, $65 on the front end seems like a worthy investment if it helps you get more money for college later on. (Plus, students who qualify could get an SAT fee waiver to take the test for free.)

Really, though, a jump of a couple of hundred points on your SAT score could mean thousands of dollars in merit-based financial aid and scholarship opportunities.

This post from PrepScholar outlines how a high SAT score can automatically qualify you for a scholarship or merit-based aid at several universities across the U.S.

For nonresidents attending Colorado State University, for example, a student with a 3.8 GPA could receive $5,000 per year with an SAT score of 1190 — but could receive double that amount each year with an SAT score of 1350.

That’s an extra $20,000 over the course of a four-year college career.

In addition to merit-based financial aid at colleges, freestanding scholarship programs often look at SAT scores as a determiner.

That essay about how your leadership skills took your robotics team to victory at States? Yeah, it’s pretty good. But probably a hundred other applicants’ essays are just as great — and chances are, some of them had higher SAT scores.

So are you ready for the best news about retaking the SAT?

You don’t have to freak out if you receive a lower score on one or more sections the second time around because most colleges will put together your superscore.

That means if, for example, you scored better on the math section the first time around but better on the reading section the second time, they’ll use the top score in each section in your new total and ignore the lower ones.

Just imagine what could happen if you took the test three or four times and managed to do a little better each time.

OK, Sure — But Will Retaking the SAT Actually Help Me Bring My Score Up?

According to the College Board, two out of three students (67%) who retake the SAT will improve their score.

Think back to the first time you took the SAT. You were probably feeling a lot of pressure, right?

You weren’t thinking clearly, you had a nerves-related stomachache and you had no idea what to expect once you walked through those doors.

After you left the testing center that day, you were kicking yourself because you didn’t move quickly enough through certain sections and left too many questions blank when the clock ran out.

That day was a learning curve.

Trying a second (and maybe even a third) time will give you an opportunity to focus on the information itself — not on the ticking clock and the cold room (no one told you to bring a jacket!) and all the frustrating unknowns you weren’t prepared for.

If you’re able, try taking an SAT prep course before you sign up to take the test again.

If you can’t afford it, you can find plenty of free resources for practicing for the SAT online.

Khan Academy, the free online learning resource, has a whole SAT practice program that anyone can use.

According to a 2017 College Board analysis, studying for six hours using Khan Academy’s tools helped students raise their SAT scores an average of 90 points above their PSAT scores. When students spend 20 hours studying, that increase jumped to 115 points.

After you’ve studied for your retake, make sure you’re better prepared in other ways also for your next testing experience. Check out this page of things to know before you go if you need a refresher on what you should and should not bring to the testing center.

All right, now take a deep breath. You’ve got this.

Grace Schweizer is a staff writer at The Penny Hoarder. She took the SAT no less than five times, the PSAT twice and the ACT once. So she really, truly feels for you.

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



source The Penny Hoarder https://ift.tt/2JOu659

Stella & Dot – A Home-Based Business for Style Enthusiasts

I first heard of  Stella & Dot back in 2007. A friend of a friend had just started selling it and wanted to let me know so I could include it in my research for the website I was going to launch. One look and immediately fell in love with the stylish jewelry and accessories! Fast […]

The post Stella & Dot – A Home-Based Business for Style Enthusiasts appeared first on The Work at Home Woman.



Source The Work at Home Woman https://ift.tt/2Mq3xoL

Why Are There So Many Student Loans on My Credit Reports?

Regardless of what you studied in college, chances are you never took a course that explained how your student loans would impact your credit after you walked across that stage and got your degree handed to you.

Yet, it’s very important to understand exactly how student loans will affect your credit and, by extension, your ability to borrow money, finance important purchases, or potentially even to land a job in the future. Your student loans are serious business.

Why Multiple Accounts?

The first surprise in store for you may be that your student loans will likely show up as not just one, but actually multiple accounts on your three credit reports. This is true even if you only receive a single monthly bill or only make a single monthly payment to your student loan servicer.

The reason this occurs is because your student loans are normally reported to the three major credit bureaus (Equifax, TransUnion, and Experian) on a disbursement by disbursement basis.

Here’s how it works. Each time you took out a new student loan — as often as every semester for some graduates — a new and separate account was opened. By the time you graduate, you could have as many as eight individual loans now showing up on your credit reports for a standard, four-year undergraduate degree. One degree, up to eight separate loans appearing on your credit reports.

How Student Loans Impact Your Credit

When you take out a student loan, it is virtually guaranteed to find its way onto all three of your credit reports because of the Department of Education’s credit reporting requirements. The impact your student loans will have on your credit reports and scores is going to depend entirely on how you manage the accounts.

Student loans have the potential to help you build positive credit, provided you avoid making late payments. On the other hand, student loans can inflict a lot of damage on your credit scores if you don’t pay them as agreed – damage that could be magnified because your loans are reported separately to the credit bureaus.

If your student loans are combined into a single billing group, whenever you make a payment to your student loan servicer, that payment is divided and distributed among each of your individual accounts. So when your payment is received on time, all of the loans are reported as “on time” or “pays as agreed” to the credit bureaus.

However, if don’t send a payment into your student loan servicer on time, then you could wind up with late payments reported on not just one account, but on every student loan on your credit reports.

Consolidating Your Student Loans

Combining your multiple student loans into a new, single account through consolidation can often be a smart move for your credit scores. For starters, reducing the number of accounts on your credit reports with outstanding balances will often impact credit scores to the good side.

The second benefit consolidation may offer you is defensive in nature. Consolidating your outstanding student loans into a new account may help to protect your credit from the possibility of multiple late payments in the future.

Of course, if you want to maintain good credit scores, then you need to keep paying all of your bills on time, every time. Still, combining multiple student loans into a new account may enable you to play a little credit defense, just in case.

And, if you want to be even more strategic, you could pay off your student loans with a newly opened personal loans. Personal loans are statutorily dischargeable in a bankruptcy, while student loans are not. And while nobody wakes up thinking, “I’m going to file for bankruptcy one day,” at the very least you’ve now got that as a safety net in case you ever needed it.

Related Articles: 

The post Why Are There So Many Student Loans on My Credit Reports? appeared first on The Simple Dollar.



Source The Simple Dollar https://ift.tt/2JQS9nr