Thousands of courses for $10 728x90

الخميس، 28 يونيو 2018

Scholastic Hits the Road This Summer With Free Pop-Up Reading Festivals


If your kids get giddy when the Scholastic book fair comes to their school, they’ll totally geek out to see a colorfully decorated Scholastic RV roll through their town this summer.

Scholastic, the popular children’s book publisher, is packing up two RVs and going on a summer road trip to bring pop-up reading festivals to 27 cities across the country. The tour starts Saturday, June 30, in San Carlos, California, and will continue until its last stop July 28 in Franklin, Tennessee.

The events are designed to get kids ages 12 and under excited about reading over the summer. There will be hands-on activities, prizes, visits from authors and illustrators and even special appearances from costumed fictional characters like Clifford the Big Red Dog.

These family-friendly festivals are free, which parents will love.

Josephine Djonovic, an associate publicist for Scholastic, told The Penny Hoarder the festivals will feature interactive stations where kids can create crafts, color, take photos, hear stories and pick up posters, bookmarks, stickers and chapter samples to take home.

The stations have special themes, including one in honor of the 20th anniversary of the Harry Potter series and another that celebrates author Dav Pilkey’s “Captain Underpants” and “Dog Man” series. There will also be a station just for children ages 5 and under.

Djonovic said some of the authors and illustrators who will host meet-and-greets at select stops along the summer tour will be Tui Sutherland (author of the “Wings of Fire” series), Peter Reynolds (author and illustrator of “The Dot”), Sandra Magsamen (author of “I Love You Beary Much”) and Troy Cummings (author and illustrator of “The Notebook of Doom” series).

Scholastic’s summer reading road trip will stop in the following cities over the next four weeks:

  • June 30 — San Carlos, California
  • July 1 — Plainville, Massachusetts
  • July 3 — Brewster, Massachusetts
  • July 3 — Dublin, California
  • July 5 — Dedham, Massachusetts
  • July 5 — Northborough, Massachusetts
  • July 6 — Salt Lake City, Utah
  • July 8 — Tempe, Arizona
  • July 9 — Lake Placid, New York
  • July 11 — Montclair, New Jersey
  • July 12 — Jersey City, New Jersey
  • July 12 — Edmond, Oklahoma
  • July 13 — Wichita, Kansas
  • July 14 — Collegeville, Pennsylvania
  • July 14 — Rogers, Arkansas
  • July 16 — St. Louis, Missouri
  • July 16 — Durham, North Carolina
  • July 17 — Winston-Salem, North Carolina
  • July 18 — Brevard, North Carolina
  • July 20 — Marietta, Georgia
  • July 20 — Athens, Georgia
  • July 20 — Oak Creek, Wisconsin
  • July 22 — Delaware, Ohio
  • July 23 — Canton, Ohio
  • July 24 — Sardis, Mississippi
  • July 24 — Memphis, Tennessee
  • July 28 — Franklin, Tennessee

This Scholastic blog post shares more details on when and where each city’s event will take place.

Nicole Dow is a staff writer at The Penny Hoarder. She absolutely loved Scholastic book fairs when she was a kid.

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/2yTyNd4

The Wisdom of Frugality: Why Simple Living Is Supposed to Improve Us

wisdom of frugalityThis is the second entry in an eight-part weekly series that provides a detailed look at the book The Wisdom of Frugality by Emrys Westacott. If you’re new to the series, feel free to hop back to the first entry.

There is an underlying thread, both in philosophical writing and throughout history, that living a simple and frugal life is meant to improve us. Westacott tackles this idea in the second chapter of the book, digging deep into the idea that simplicity and frugality can be a tool for making us into better people.

He starts off by listing four distinct reasons for praising simple living.

First, the moral reason for simple living is that simple living is inherently good or fosters other virtues. A person who lives a simple life is just inherently seen as a good person and thus likely has other virtues that are shaped by their life choices. The “friendly, wise hermit” that often shows up in popular culture is a prime example of this. For example, I remember watching the television show Grizzly Adams as a child and seeing the main character as incredibly virtuous, which ran in parallel with his choice to live as a “mountain man.”

Second, the prudential reason for simple living is that it promotes happiness and well being. This is my primary reason for simple living – it’s a life that leaves me content and gives me a lot of free time to do the things I most enjoy.

Third, the aesthetic reason for simple living is that it can be quite beautiful. This is captured in the minimalist movement that many people are into these days, which is a particular flavor of simple living done with style.

Finally, the religious reason for simple living is that simple living is done in accordance with divine will. Think of people who choose to live a simple life for religious reasons, such as the Amish or Mennonites, if you want a prime example of this.

It’s worth noting that, in many cases, the third and fourth reasons often boil down to the first two reasons, so for the rest of the chapter, Westacott really just focuses on the moral and prudential reasons for praising the simple life.

At first glance, distinguishing between the moral and prudential reasons for simple living is really easy. Is it a moral duty for you? Or is it just a way to have less stress and more time for leisure and other joys?

The closer you look, however, the less clear it becomes. If you enjoy frugality and relish the challenge of it, is it a moral thing or a prudential thing? Is something that is personally hard – like becoming financially responsible or losing weight – always inherently a good and moral thing to do? It’s not easy to see.

For me, most real change that has occurred in my life has been both moral and prudential. I do it because it inherently seems like the right thing to do for some reason, but I also do it because I either enjoy the challenge itself or deeply enjoy the results of succeeding at that challenge. I don’t invest time and energy into things if it doesn’t seem like the right thing to do (moral), but I also won’t invest time and energy if I don’t enjoy doing it or deeply enjoy the results (prudential). I need both.

Another issue that Westacott touches upon here is how moral virtue is shaped by daily habits. If you force yourself to adopt a particular habit, over time it will shape the nature of your character. For example, if you force yourself to cut the snark out of your words and be kind to others while thinking positively of them, that’s eventually who you will become and you will eventually think of it as the “right way” to do things.

Does Simple Living Help One Avoid Temptation?

Subscribing to a lifestyle of simple living and frugality removes many of the temptations that people are exposed to in life. For example, if you choose to live a much simpler life that doesn’t involve shopping for anything other than essentials, you’re going to find yourself far less tempted to indulge in expensive and unnecessary purchases.

This is something that often shows up in literature and even sometimes in film. A “sophisticated” person is either forced to or chooses to live a “simple” life and, because of that situation, begins to find moral clarity. It’s a trope that shows up again and again, even in children’s movies – that’s basically the plot of the Disney/Pixar film Cars, after all.

Monastic life is another great example of this phenomenon. People often cut themselves off from parts of society in order to do deep work or to deeply reflect. It’s why many colleges are often founded in rural locations (though, sometimes, cities spring up around them).

So, what kinds of temptations are people trying to avoid by striving for the “simple life”? It might be as simple as trying to live within one’s means and avoid debt and financial hardship. A person might be wanting to avoid other moral challenges like alcoholism or drug abuse or some other addiction. It may be simply wanting to change a pattern of habitual buying and getting out of a sense of feeling overwhelmed by one’s own possessions.

Another reason why people might choose the simple life is that chasing wealth often forces people to end up serving causes and people that they consider to be immoral. In my previous career path, there were definitely jobs and positions that I considered immoral; there were also people in my field that I would not have wanted to work for. Coincidentally, some of those positions paid really well; by choosing a simpler life, I could avoid them. The same was true when I was making decisions regarding The Simple Dollar – I could choose to make less money (and thus have a simpler life) by avoiding some sticky ethical areas.

The thing to remember in all of this is that money is not inherently evil. Money isn’t the root of all evil – it’s the love of money that’s the root of all evil. There are wealthy people and poor people who are virtuous and there are wealthy and poor people who are scoundrels.

The key here is to realize that you shouldn’t fear losing your wealth, at least not to the point of driving you to immoral choices. Don’t fear poverty as a life disaster or something to avoided at all costs. It’s not a disaster, but just a new challenge. If you’re willing to dive into immoral behavior just to avoid a period of financial trouble, what does that really say about your character?

Speaking of character…

Is There a Connection Between Simple Living and Good Character?

Westacott goes on to make the great point that practicing frugality and financial discipline fosters a bunch of character traits that tend to lend themselves well to other areas of life. Temperance. Prudence. Self-control. A strong work ethic. Those traits, once built, tend to help out in other parts of one’s personal life and professional life.

To illustrate this idea, Westacott refers to ancient Sparta, where the Spartans made simple living a core part of their culture. The “spartan” virtues of physical fitness, hardiness, self-control, straightforwardness, and lack of envy led to a cultural success that’s still highly regarded today.

Of course, the reverse perspective also exists: the idea that wealth and luxury erode meal character. The idea here is that people who have more are more afraid of material loss, which leads to selfishness and cowardice and other negative behaviors, which is a viewpoint strongly present in stoicism.

However, these impressions aren’t strictly true. Being frugal can lead to pride in one’s lifestyle, something I once felt quite strongly. It can lead to being very judgmental and narcissistic. It can also lead to miserly behavior and mistreatment of others. On the other hand, one only needs to look at a few examples of people with wealth and power who behaved with high standards of morality and values (such as Roman emperor Marcus Aurelius, to name one) to see that wealth and luxury can go hand in hand with character.

The link between frugality and virtue isn’t a guarantee. Without a doubt, frugality can promote many positive virtues, but it is never a guarantee, and it can encourage some less virtuous elements, too.

Of course, this leads us into another problematic area.

Does Simple Living Promote Superior Values?

It’s easy to point at the cardinal virtues of western society and see how they line up – or at least aren’t contradicted by – living a simple and frugal life. Morality, integrity, friendship, peace of mind, wisdom – those are things that are acquired with few means.

There are two key problems with that idea.

First, there’s the problem of pleasure. Often, simple living seems to carry with it the idea that pleasure is somehow bad, but that’s not true at all. Simple pleasures aren’t inherently bad at all – it’s philosophers like Plato and religious movements like the Puritans that try to cast pleasure as somehow not being virtuous.

I tend to agree much more with Epicurus when he argues that simple pleasures are in fact the “first good” and that simple living enhances those kinds of basic pleasures. The feeling of warmth on your skin or grass under your feet or the taste of cold water on a hot day or the feeling of holding the hand of someone you love – those are incredible pleasures and it’s not a bad thing to enjoy them. In fact, I’d argue that simple living highlights them.

Second, there’s the problem of truth. The idea that some values are strictly good and desirable shows off the difference between philosophical and scientific truth. I often talk about what’s right and what’s wrong with my friends and my family rather than just subscribing to what I’m told to believe is right and wrong, which is a philosophical approach to truth. Do I subscribe to absolute laws set down by others? In general, I do, but it’s because I tend to agree with them and find them reasonable. I am not frugal because I am told to be frugal, however; I’m frugal because I thought through the reasons for it and talked about it often with Sarah and with my friends.

I view frugality as good and worth striving for because I personally see the value in it, not because there is a law or strong moral guideline in place that tells me to be frugal.

Is Simple Living a Sign of Integrity?

Most of the time, simple living is used as a sign of moral integrity in both philosophy and in culture. The person who lives simply is often assumed to have integrity, whereas that same assumption isn’t made of the wealthy person.

This is particularly true when people voluntarily choose to live a simple life. Part of the power of the story of people like Buddha, Gandhi, Nelson Mandela, and even Jesus of Nazareth comes from their choice to give up most of their physical possessions to follow a cause or idea they believed to be right. Famous people today will often do the same thing, choosing some act of simplicity as a way to earn some moral “credit” as a good person. “This celebrity is just like you!”

This works because the choice to live simply eliminates a strong avenue of hypocrisy, when a wealthy person with a luxurious lifestyle talks about how virtuous and superior the simple life is. If the simple life is superior, why doesn’t the person living in luxury practice it, then? It feels hypocritical, whereas the actual practice of living the simple life avoids that hypocrisy entirely.

A simple life also appears to be less corruptible, especially when it’s voluntarily chosen. If a person is content living a simple life, how are you going to corrupt that person? They’re likely not interested in bribery or other things that could be offered, whereas a person who enjoys luxuries seems much more desirous of the things that could be used to bribe them.

Are Extravagance and Accumulation Signs of Shallowness?

This is another idea often shared in culture. The person that invests a lot of energy and time seeking fulfillment through lavish spending is also signaling a lack of time and energy invested in building their moral, intellectual, and aesthetic capabilities. The idea that a person who shops all the time is “dumb” or “ditzy” is a very common element used in movies and television and books.

This is an area that many schools of philosophy dig into. The Stoics believed that people should be generally wary of happiness acquired through external means, and that the internal life is the source of true happiness.

Arthur Schopenhauer went a bit further and argued that extravagant spending was a sign of personal boredom and evidence of an unexplored inner life. Friedrich Nietzsche carried that idea even further and felt that people leading trivial and unconsidered lives were a displeasing spectacle and he actively avoided them.

This perspective that luxurious living is a sign of shallowness isn’t perfect, however. What does it mean to live a “shallow” life? Furthermore, it’s basically impossible to judge someone’s inner life by what possessions they own, because you don’t necessarily know why they own those possessions or what their thought process is. In the end, this type of judgement relies on the idea that some types of pleasure are inherently superior to others, trying to “rank” things that aren’t really quantifiable.

The reality is that in western society, people generally prefer to live an affluent life, and people who have lived both lives typically prefer the affluent one. This is true regardless of how well considered their internal life is. People want to live the “good life,” but the definition of the “good life” isn’t the same for everyone.

Final Thoughts

In the end, the connection between simplicity and virtue isn’t a guaranteed link, but a probable one. Living a simple life promotes many values that are considered a positive in our culture, but aren’t a guarantee of them; similarly, living a luxurious life might point to some values that aren’t respected, but aren’t a guarantee, either.

You do not have to be frugal to be a good person, nor does a good person have to be frugal. However, being frugal tends to encourage values that are considered “good” in our society, and the natural overlap of values that people consider virtuous tends to nudge people toward frugal living.

In the end, frugality and simple living tend to nudge us toward a set of values that are widely considered to represent a “good life” across many cultures and schools of philosophy. However, it’s not a guarantee of a good life, and luxurious living doesn’t mean a bad life.

Part of the difficulty here is figuring out what exactly the “good life” means – I take it to mean a contented life where you act as often as possible in accordance with the values you hold true. For me, frugality is unquestionable part of the “good life,” and I firmly believe that seeking frugality has been helpful in finding the “good” in other aspects of life, too.

Next week, we’ll look at why simple living is thought to make us happier.

The post The Wisdom of Frugality: Why Simple Living Is Supposed to Improve Us appeared first on The Simple Dollar.



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

Problems That Can Haunt Your Credit Forever

Your credit reports are going to change over time, that’s as certain as death and taxes. New information is added, old information falls off, accounts get older, and your payment history and balances can vary as often as monthly. The ever-changing nature of credit is one of the reasons it’s so important to check your three credit reports frequently.

Why Is Credit Information Removed?

Old and inactive information generally does not remain on your credit reports forever, but you may not understand why the removal of the information occurs.

Some information is removed from your reports due to the credit bureau’s policies. Other information is removed from your reports due to the legal limitations regarding how long the information can be maintained. Finally, there is some information that could remain on your credit reports forever, meaning there’s no requirement to remove it.

What Information Gets Removed From Your Credit Reports?

The Fair Credit Reporting Act (FCRA) regulates how long most derogatory information is allowed to remain on your credit reports. In general, most negative information is required to be removed after seven to 10 years, although there are some exceptions to that rule.

Must be Removed By or Before Seven Years

  • Late Payments
  • Collections
  • Foreclosures
  • Repossessions
  • Released Tax Liens
  • Charge-Offs
  • Settlements

Must be Removed By or Before 10 Years

  • Chapter 7 Bankruptcy (10 years from date filed)
  • Chapter 13 Bankruptcy (seven years from discharge, but cannot exceed 10 years from date filed)

Closed accounts with no derogatory information are allowed to remain on your credit reports forever. The FCRA does not require the removal of a positive account from your credit reports — and, frankly, given the value of old, good information, you don’t really want it to be removed. Yet credit bureau policy is to remove closed, positive accounts from your credit reports after 10 years of inactivity.

Credit Information With No Expiration Date

If you have made credit mistakes in the past, you’re no doubt grateful for the fact that these issues are generally not permitted to haunt you for the rest of your life. Yet there are a few exceptions.

Namely, if you default on a debt that is owed to or backed by the government, it is probably allowed to remain on your credit reports indefinitely, or at least until you make good on the obligation.

Federally Guaranteed Student Loans

The FCRA does not impose credit reporting restrictions upon federal student loans. In fact, the FCRA is silent on the subject. Instead, credit reporting standards for student loans are governed by the Higher Education Act.

Defaulted student loans are not required to be removed from your credit reports until seven years from the date they are paid. Unpaid student loans can remain on your credit reports forever, although the credit bureaus can certainly choose to remove them eventually.

Unpaid Tax Liens

Legally speaking, there is no requirement in the FCRA for an unpaid tax lien to be removed from your credit reports. The credit bureaus could report your unsatisfied tax liens indefinitely if they desired to do so and, until recently, that is pretty much what happened.

However, the credit bureaus themselves recently elected to remove the vast majority of tax liens from consumer credit reports as a matter of choice. The decision to remove tax liens from credit reports was due to the bureaus’ efforts to comply with new, improved standards for the credit reporting of public records.

The news isn’t necessarily all good, however. If you have an outstanding tax lien, keep in mind that it can still cause problems, including denial for new loans if your lender purchases a public records report from LexisNexis as part of your application review process. Additionally, there is no guarantee that the credit bureaus will not elect to re-add tax liens and other public record information back onto consumer credit reports in the future.

Related Articles:

The post Problems That Can Haunt Your Credit Forever appeared first on The Simple Dollar.



Source The Simple Dollar https://ift.tt/2N6CVJQ

Want to Work From Home but Don’t Know Where to Start? Try These Companies

Ready to Start Working From Home? Here’s a Guide to Get You Started

We Vet the Work-From-Home Jobs We Write About. Here’s Our Process


Finding a reliable work-from-home gig can be a real chore, especially with so many job boards, listings and companies that regularly seek work-from-home employees. 

Here at The Penny Hoarder, we want to put money in our readers’ pockets, and one way we do that is by sharing jobs with you. But how do we decide which work-from-home jobs are share-worthy?

With a tried-and-true vetting process, of course!

And since we want you to know you can trust us, we’ve decided to give you the lowdown on how that process works.

How We Vet Work-From-Home Jobs

We have a few methods of finding work-from-home gigs, such as browsing job boards, using keyword searches in Google and checking the career pages of companies known for having remote positions.

Once we find a job we think might interest our community, we put on our reporting hats. Here are the steps we take to make sure it checks out:

  • First, we do a quick Google search. We check out the company’s website and social media presence, looking for signs of legitimacy, like current contact info, recent activity and other boilerplate pages such as terms of service and press releases. We also look for the opposite: red flags. For example, maybe some of the site’s pages don’t exist, or it has links that lead to dead ends or unsecure sites. We might be concerned if a site looks outdated or uses odd or overly formal language. A lack of social media isn’t a deal breaker, but social media flooded with spammy links is.
  • If we find the listing on a website that aggregates jobs, we make sure that it’s also listed on the company’s official career page. If it’s not listed on their site or the information between the two posts doesn’t match up, that tells us to dig a little further. We won’t write about it until we confirm with the company that the job does, in fact, exist. In some cases, someone unaffiliated with a company could be behind a job board’s listing, using a big name to scam job seekers.
  • Next, we check Glassdoor reviews — reading what current and former employees have to say is a great way to get a better reading on a company. How are the benefits? Do the job listing’s claims live up to reality? Do employees recommend the company to other job seekers? If Glassdoor reviews are overwhelmingly negative, we’d likely choose not to share the job opening with you.
  • In many cases, we contact the company directly if we have questions about the job listing or want to further confirm its legitimacy. If a phone number for the hiring department or an HR rep is available, we’ll give them a call. If we can’t find a usable number, we’ll send an email.
  • We might also check Google News for recent updates involving the company. Maybe the company recently raised wages or improved its benefits package. Or maybe it’s making headlines for less-than-stellar reasons, like unsavory hiring practices. Good or bad, we want to know what’s going on.
  • Finally, if we’ve dug into a company and have further concerns, we check the BBB Scam Tracker or look into whether complaints have been filed against the company with any government agencies, such as the Federal Trade Commission.

So, what exactly are we looking for during this process? Basically, anything that gets our spidey senses tingling.

If a job listing or company website is riddled with typos or uses weird, unnatural language, that’s a big red flag.

Say the listing was posted on a jobs website and we can’t find it anywhere else, including the company’s website. As Simon Cowell would say: It’s a no from me.

If a company has gotten bad publicity, say for fraud or improper hiring practices, we pass. And if the current or past employees leave a ton of bad Glassdoor reviews, we’re probably going to pass on that job, too.

Here at The Penny Hoarder, we’re a skeptical bunch when it comes to finding good, legitimate jobs for our readers. We’re trained reporters with experience looking at these jobs day in and day out — many of us have been doing research like this for years.

And if putting a face to a name gives you more confidence, check out our author bios!  Just click the author’s name on the post you’re reading. You’ll get not only an eyeful of our award-winning smiles but also some info on us and our journalistic experience.

If we have a fair amount of trouble vetting a job, we err on the side of caution and take a pass. We know you rely on us for quality opportunities, and we’re looking out for you.

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.



source The Penny Hoarder https://ift.tt/2Mvo36F