Thousands of courses for $10 728x90

الخميس، 13 سبتمبر 2018

Sick Kids Can Be Costly. Here’s How to Decide What Care They Actually Need


When my daughter started preschool for the first time last month, I was aware it’d be an adjustment and that I’d incur new child care expenses.

What I wasn’t quite prepared for was how my kid’s body would need to adjust to the onslaught of germs she’d come into contact with — and the costs I’d encounter with her being sick on and off for weeks.

I’m lucky in many ways. My daughter hasn’t contracted anything serious. I have a job that provides me with great medical insurance, unlimited sick days and the ability to work from home when needed. My daughter’s grandmothers are usually able to watch her on days I can’t.

But less than a month into the school year, my kid has already been to the doctor twice and missed 2 1/2 days of preschool I still had to pay for. We’re running low on over-the-counter fever reducer, and the $10 bottle of honey-based throat soother I recently purchased is likely going to get thrown out since my child and I both concluded it tastes completely gross.

Having a sick child is tough enough without all the financial considerations. But the reality is many parents have no options but to miss work and forgo pay if their child is sick. Other parents shell out money for a baby sitter or a sick-child care facility.

And that’s on top of copays at the doctor’s office and pharmacy. Parents without medical insurance may have even greater financial expenses.

All that being said, not all illnesses are created equal. Everything doesn’t have to shut down due to a case of the sniffles. So before you pull your kid out from school to see a doctor, here is what the American Academy of Pediatrics wants you to know about children, school and sickness.

When Your Child Should Miss School

Sometimes it’ll be obvious when you need to keep your sick kid home from school. Other times, it may not be so simple, like when your kid complains of a stomachache the morning of a big test.

You should certainly check the sick-child policy at your kid’s school or child care center when deciding whether to keep a child home. The American Academy of Pediatrics also offers advice on the matter.

The organization states children should stay home from a school or child care facility if their condition:

  • Prevents them from comfortably taking part in activities.
  • Puts others at risk of contracting harmful diseases.
  • Requires care greater than teachers or staff can provide without compromising the health or safety of other children in the class.

The pediatricians’ group outlines which symptoms indicate a child should be excluded from school, such as a fever over 101°F, vomiting more than once in the past 24 hours or a quickly spreading rash. It also describes which symptoms are acceptable in group settings, like runny noses, coughs, eye discharge and common colds.

“In general, a child with a little bit of a runny nose who doesn’t have a fever can play, can concentrate, can eat, can drink — that child is fine to be at school,” said Dr. Jaime Friedman, a San Diego pediatrician, mother of two and American Academy of Pediatrics spokeswoman. “I think a missed day of work and a missed day of school isn’t necessary for a child who’s otherwise very well. Obviously, with a fever, they’re going to stay home.”

She said most schools advise parents to keep ill children home from school until they’ve been fever-free for 24 hours.

The academy has specific guidelines on how long children with conditions such as strep throat, lice, scabies, ringworm and chicken pox should remain home from school.

Check with your child’s pediatrician or read the academy’s recommendations for guidance on how long your kid may need to be out.

If your kid is in the first year of school, don’t be alarmed if it seems he or she catches one virus after another. Friedman said pediatricians typically see young children, especially those who are new to school, encounter six to eight colds on average during the fall and winter. Symptoms from a cold may last up to two weeks before the child feels entirely better, she said.

When An Illness Warrants a Trip to the Pediatrician

No parent wants to see their child sick and suffering, so scheduling a doctor’s appointment is a natural response when your kid gets sick. But before you fork over a copay, you should know that a pediatrician won’t be able to prescribe medication for all illnesses.

The upper respiratory infection folks call “the common cold” is caused by a virus. Antibiotics are used to treat bacterial infections. “Colds don’t require antibiotics,” Friedman said.

She also said parents don’t need to bring their children to the doctor at the first sign of a fever.

“Fever is very normal with colds,” she said. “It doesn’t necessarily mean — if the child is otherwise healthy [with] no underlying conditions — that they need to run in to the doctor.”

The American Academy of Pediatrics advises parents that children with a cold don’t need to see a doctor unless they’re 3 months old or younger, or they have one of the following symptoms:

  • Nasal mucus lasting longer than two weeks
  • A cough lasting longer than one week
  • Ear pain
  • Fever above 102°F
  • Excessive sleepiness or crankiness
  • Trouble breathing, fast breathing or breathing where the nostrils get larger with each breath or the skin above or below the ribs retracts with each breath
  • Lips or nails turning blue

Friedman said parents should simply call their pediatrician’s office if they’re questioning whether they need to schedule an appointment.

The best course of treatment for a cold is to keep your children comfortable, have them get plenty of rest and encourage them to drink lots of fluids, according to the pediatricians’ academy.

Friedman doesn’t recommend parents buy over-the-counter cold or cough medicine to help their little ones.

Saline spray or drops, a room humidifier and tea and honey for children over 1 year old are  preferred aids for children suffering from a cold, she said.

What Parents Should Know About Prevention

The ideal situation, obviously, is to avoid getting sick in the first place. Though sometimes it seems as though kids are germ magnets, the academy says practicing the following measures can help reduce your kid’s risk of contracting colds.

  • Wash hands with soap and water or use an alcohol-based hand sanitizer.
  • Have your kid cover his or her mouth and nose with a tissue when sneezing or coughing and then dispose of the tissue immediately.
  • Try to avoid contact with people who are infected with a virus.

“Nothing will replace good hand washing,” Friedman said. “There’s no amount of echinacea [an herbal remedy] or whatever the parents want to spend all their money on that’s going to replace good hand washing.”

She also recommends parents remind their kids not to share things like juice boxes or water bottles.

Friedman said children 6 months and older to should get an annual flu shot before the end of October.

While the immunization may not protect against all strains of the flu virus, she said some protection is better than nothing.

Nicole Dow is a senior writer at The Penny Hoarder. She feels so bad when her daughter is sick.

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/2Ne7QHK

CVS Is Offering Free Health Screenings in 11 Metro Areas (Plus a $5 Coupon)


CVS has a free offer that could save your life.

Through December, the nationwide pharmacy chain is offering free health screenings — normally priced at more than $100 — in select cities. Plus, they’ll give you a $5 coupon to use on store brands just for taking advantage of this freebie.

The company calls the effort, which began in 2006, Project Health. A company spokeswoman says the program aims to help patients identify health concerns and risk factors they may not have otherwise sought treatment for.

Where and When to Find Free Health Screening

CVS Pharmacy locations in 11 major metropolitan areas are offering free checks for:

  • Body mass index (to help determine the risk for high blood pressure and cardiovascular disease)
  • Blood pressure (to help determine the risk of heart disease and stroke)
  • Glucose (to help determine whether a patient has diabetes)
  • Total cholesterol (to help determine the risk for clogged arteries, heart disease and stroke)

The checks are available Thursdays through Sundays at rotating stores in these areas:

  • Atlanta
  • Boston-Rhode Island
  • Chicago
  • Dallas-Fort Worth.
  • Detroit
  • Houston
  • Los Angeles
  • Miami
  • New York City
  • Philadelphia
  • Washington, D.C.

No appointment is required.

The screenings will be available through Dec. 16.

Check to see whether a store in your city is participating. And don’t forget to ask for your $5 coupon once you’ve had the tests.

Why Periodic Health Screening Is Important

The Centers for Disease Control and Prevention, a federal agency, says regular health exams and tests can help find problems early, when there’s a better chance for treatment and cure.

By getting the right health services, screenings and treatments, you are taking steps that help your chances for living a longer, healthier life,” according to the CDC.

CVS says it has found significantly higher levels of blood pressure, body mass index, glucose and cholesterol in people tested through Project Health than the CDC says are present in the general population.

Walmart is also offering a slimmed-down version of this wellness event — no free glucose or cholesterol tests — this month for one day only. It’s from 10 a.m. to 2 p.m. on Sept. 22. Stop by your local store to get your blood pressure and body mass index checked.

Susan Jacobson is an editor at The Penny Hoarder. She also writes about wellness.

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/2OgHUb6

These 6 Companies Are Filling 250K+ Seasonal Jobs. Here’s How to Get One


If you’re looking for seasonal employment, then this is the most wonderful time of the year.

By the looks of hiring event announcements, companies are rushing to fill seasonal spots (JCPenney and Kohl’s even got a head start on the hiring season back in June).

And with a hot labor market, businesses are trying to come up with ways to attract a seasonal workforce.

Here’s a look at who is hiring this holiday season — and what “stocking stuffers” they’re offering to get you to apply.

Target

Sometimes I’m in Target so much I feel like I’m already an employee.

If you do, too, here’s your chance to get paid for being there. The retailer announced it’s hiring 120,000 seasonal workers — up 20% from last year — in addition to offering its current employees additional hours.

Positions are available across Target’s 1,800 stores and 39 distribution and fulfillment centers.

Stocking stuffers: Anyone hired after Sept. 16 gets a minimum starting wage of $12 per hour. It’s part of Target’s plan to increase its minimum hourly wage to $15 per hour by the end of 2020.

Along with flexible schedules, Target says seasonal employees will also receive a 10% discount at Target stores, plus an extra 20% wellness discount on fruits and vegetables, Simply Balanced products and C9 Champion merchandise.

And to up the ante a bit more, Target is giving one random hourly team member from each of its stores and distribution centers a $500 holiday gift card and the option to donate $500 to a local community organization of their choice.

How to apply: The company is hosting hiring events at all its stores from Friday, Oct. 12 through Sunday, Oct. 14, from 10 a.m to 6 p.m. each day. Apply in advance of the hiring event at targetseasonaljobs.com.

Macy’s

The question isn’t “who wants to hold one of the balloons in the Macy’s Thanksgiving Day Parade?” The question is “who doesn’t?”

The retail company that owns both Macy’s and Bloomingdale’s is hiring 80,000 people this holiday season, and 1,000 of those jobs will support events like the parade and its Santalands.

Approximately 23,500 of the other positions will be in the company’s fulfillment centers in Goodyear, Arizona; Cheshire, Connecticut; Tulsa, Oklahoma; Portland, Tennessee; Martinsburg, West Virginia; Sacramento, California; Stone Mountain, Georgia; Secaucus, New Jersey; and Joppa, Maryland.

The remaining seasonal jobs will be available at the company’s stores and call centers.

Stocking stuffers: In addition to flexible scheduling, competitive hourly income and merchandise discounts, Macy’s seasonal employees are eligible for the company’s Path to Growth, a quarterly incentive plan.

How to apply: The company’s national hiring event takes place on Thursday, Oct. 18, from 11 a.m. to 7 p.m., at Macy’s, Bloomingdale’s and Macy’s Backstage stores. The company recommends job seekers search openings and apply prior to the event at macysjobs.com or bloomingdalesjobs.com. Applicants who can’t attend the hiring event can complete the interview process over the phone.

FedEx

Help get your holiday finances in shipshape with a seasonal job at FedEx (sorry, couldn’t help myself).

The shipping company is hiring 55,000 seasonal employees, according to the company’s press release.

FedEx will run six- and seven-day operations through the holiday season once again.

Stocking stuffers: FedEx is proud of its promote-from-within culture, according to Rae Lyn Rushing, FedEx senior communications specialist.

Some of our top management started out in entry-level positions with FedEx,” Rushing said via email. “FedEx has a very strong employment brand that has always allowed us to attract the talent needed for our operation, even during peak periods.

“We offer competitive wages and very affordable medical benefits.”

How to apply: Apply at careers.fedex.com. For jobs specifically at FedEx Express, head to careers.fedex.com/express. For FedEx Ground, go to careers.fedex.com/ground.

Michaels

If your holiday plans include rolling out festive washi tape and grosgrain ribbon, a seasonal gig at Michaels might just be your dream job.

The craft retailer is hiring more than 15,000 seasonal employees across its 1,200-plus stores and distribution centers in the U.S. and Canada.

Stocking stuffers: Michaels touts competitive wages, flexible hours and a 30% store discount — which can really add up when you’re buying acrylic paint by the gallon.

And if your crafting spirit lasts all year long, Michaels says it hired 40% of seasonal employees for regular roles last year.

How to apply: Apply online at michaels.com/storejobs.

1-800-Flowers

I won’t lie: I’d take a seasonal gig with 1-800-Flowers if it paid me in Cheryl’s Cookies.

Cheryl’s is among the gourmet food brands owned by 1-800-Flowers — along with Harry and David and The Popcorn Factory — that are hiring for the holidays.

The food-and-florals company says it’s hiring 8,000 seasonal employees — mostly in Illinois, Ohio and Oregon. Roles are available in production, gift assembly, retail stores, distribution centers and more.

Stocking stuffers: In addition to competitive wages, flexible schedules and employee discounts, the company is promoting its new incentive program, which allow you to earn a few more bucks just in time for your own holiday cookie shopping.

How to Apply: Apply online at https://investor.1800flowers.com/careers.

Williams-Sonoma

Sure, I could get a job at Williams-Sonoma, but my paycheck would just go right back into those fancy spatulas and handcrafted marshmallows.

The company that owns Williams-Sonoma, Pottery Barn, Pottery Barn Kids, PBTeen, Rejuvenation and West Elm stores says it’s hiring 7,500 seasonal employees this year.

Approximately 4,000 of those jobs will be in stores. The other 3,500 will be in call centers, including work-from-home jobs like this.

Stocking stuffers: The company trumpets its competitive pay, benefits and store discounts, as well as career growth opportunities.

“We are proud that more than 50% of senior leadership across our enterprise is female,” Williams-Sonoma Inc.’s Chief Executive Officer and President Laura Alber said in a statement.

How to apply: For in-store roles, the company scheduled two hiring events — one on Friday, Sept. 14, and the other on Thursday, Sept. 27, both from 2 p.m. to 7 p.m. local times at all Williams-Sonoma branded stores and care centers across the U.S. and Canada. Those interested in call center jobs can check out our Work-From-Home portal as well as the Williams-Sonoma Facebook page. For corporate or supply-chain management positions, visit the careers section at williams-sonomainc.com.

Happy holiday job hunting.

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder.

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



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

Wholly Guacamole! Here’s How You Can Get Some Free Guac on Sunday


Guacamole fans, your day has come: This Sunday, Sept. 16, is National Guacamole Day.

To celebrate this special day, you could break out the avocados and make your favorite guacamole recipe. Or you could sign up to get paid to eat avocados for six months (if it’s not too late). Or you could read all about how much “Queer Eye” star Antoni Porowski loves avocados. Or…

You could just get some for free.

Yup – Wholly Guacamole Is Free on National Guacamole Day

In honor of National Guacamole Day, Wholly Guacamole — makers of over a dozen refrigerated guacamole flavors — is giving away up to $5.99 worth of free guacamole to all customers while supplies last.

No, you don’t have to eat avocados for six months or enter any contests. All you have to do is look for a coupon that’ll be revealed on this page on National Guacamole Day.

Oh, and one more thing about Antoni Porowski — he teamed up with Wholly Guacamole to create this video and share one of his favorite Wholly Guacamole recipes.

Enjoy that free guac for National (Wholly) Guacamole Day!

Jessica Gray is an editorial assistant at The Penny Hoarder. “Hold the guac” isn’t part of her vocabulary.

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/2MsUfaq

3 Women Who’ve Earned a Collective $811 on a Survey Site Tell Us How

Our Survey Reveals How Parents Cope With the Staggering Cost of Child Care

Fake Coupons Are Circulating Facebook Again: Here’s How to Spot Them


We all know the internet is full of scams — and social media is no exception.

Facebook has seen its share of scams over the years, but one that continues to dupe users into giving out personal information is fake coupons.

How to Spot Fake Coupons on Facebook

In July, both Kroger and Dollar General warned customers about fake coupons circulating Facebook. And now, within the last week alone, users have spotted two fake Aldi coupons — one for $10 off and another for a free $30 gift card.

So how can you tell the difference between real and fake coupons on Facebook? Watch out for these three warning signs.

1. Does it Sound Too Good to Be True?

One way to spot a fake coupon on Facebook is considering the value of the offer.

For example, this fake coupon for Aldi was for $100 off. That’s a pretty massive discount (and Aldi has repeatedly stated on its Facebook page that it does not accept electronic coupons). This fake Meijer coupon was for $75 — another pretty big discount.

The fake Lowe’s coupon that circulated Facebook last year was for $50. To receive the coupon, “all you had to do” was like the page that posted the deal, share the deal with your friends and fill out a survey.

If you come across a coupon offer asking you to like and share the post with your friends, it’s probably fake.

2. Is the Facebook Page Verified?

Another way to spot a fake offer is to check the page that’s sharing the coupon.

Facebook scammers often steal business logos and photos and use a similar name to create a fake page that looks exactly like the official page. For example, one of the fake Aldi coupons was posted by a page named Aldi US, but Aldi’s verified U.S. Facebook page is Aldi USA.

It’s easy to spot a verified Facebook page — just look for the blue circle with a checkmark next to the brand name. You may even find a warning on the brand name’s verified page, like this one from Aldi USA.

3. Are You Asked to Enter Personal Information or Download Anything?

If you do click on an offer and are taken to a page requesting that you fill out a survey that requires personal information, back out of it immediately, especially if it asks for financial information.

The same goes for any offers asking you to download software to access the coupon — you’re bound to get a virus instead.

Though it might be a common Facebook scam, fake coupons aren’t listed in the Facebook help center, so be sure to spread the word to your friends.

And if you do come across any fake coupons on the site, report them to Facebook and the brand being impersonated.

Jessica Gray is an editorial assistant 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/2NEAHEv

Thousands of People Are Quitting Their Jobs — and That’s Not a Bad Thing


As the economy hits unemployment numbers not seen since before the Great Recession, one major stumbling block continues to puzzle economists: Wages just aren’t growing the way they should be.

But, with more people quitting their jobs than ever before, that could soon change.

More than 3.6 million workers quit their jobs in July, according to the latest Job Openings and Labor Turnover Survey (JOLTS), which the U.S. Labor Department released Sept. 11.

That likely means that paychecks are about to get fatter, according to Indeed Hiring Lab economist Nick Bunker.

The “quits rate,” which measures the number of jobs quit as a percentage of total employment, has hit 2.4%, which is the highest it’s been since spring 2001.

“That’s a great sign for workers,” Bunker said. “It means they’re more confident and there are more opportunities out there.”

It also means companies are likely ramping up competition for talent — poaching workers who already have jobs — which should spur wage growth for the economy as a whole. That’s welcome news given that hourly pay for nonsupervisors, when adjusted for inflation, has actually declined over the past three months compared with the same time frame in 2017.

One of the high points in the report, Bunker said, is that the quits rate in the accommodation and food-service sector jumped from 4.5% to 4.9% — the highest it’s been during the summer months since 2007.

“Quitting is a good indication that they are moving on to new jobs, “ Bunker said. “And we know a tighter labor market tends to create more opportunities at the lower end of the wage spectrum.”

While the quits rate is a striking number from the latest JOLTS report, it’s worth noting the number of open jobs continues to outpace the number of unemployed folks. So, in theory, there should be at least one job for every worker. (Although, as we’ve noted before, it’s not really that simple.)

The number of job openings in July hit another record high at 6.9 million, while 6.3 million Americans remained unemployed. (Again, the latter number doesn’t tell the whole story, as only active jobseekers are counted as unemployed.)

“I think this is an incredibly exciting report for job seekers,” Bunker said.

How to Quit Your Job

If you have the opportunity to take a new job, then you should follow these guidelines so you can put yourself in the best position possible.  

Don’t tell your employer to take this job and… well, you know what. Your current boss might be a valuable reference in the future. In fact, you should keep working hard and give two weeks’ notice if possible.

Time your resignation properly — don’t up and quit in the middle of a busy time of the season or while your company is in crisis. And put your resignation in writing, while thanking your boss for the opportunity to work there.

Of course, you have to have a good job opportunity lined up first.

Here’s some good news: We have plenty of advice for conducting a job search whether you are currently employed or not.

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/2xcM8ZQ

Making the Super Quick and Convenient Lunch Much More Frugal

At our house, we’re pretty strict on limiting free time for our kids. They get maybe half an hour of screen time after school (after their homework is done) and, on some evenings, half an hour after supper. On weekends and during the summer, it might be a bit more than that, but if they’re staring at screens on a nice day we shoo them outside and if it’s a rainy day we figure out something non-electronic to do.

The funny thing is that when our kids go to visit a friend or a relative where they have much more opportunity to watch television without restrictions (we don’t push our rules on other families when our kids visit), they come back having absorbed a ton of commercial messages. They know about all kinds of products and can sometimes even sing jingles from commercials. (After a recent visit to their grandparents, for example, our kids came back and were singing the jingle to a Sketchers commercial, something I’m pretty sure they never even saw at our house.)

This, of course, translates into our kids requesting things that they didn’t even know about before those visits.

One great example of this phenomenon is Lunchables. They’re simply not something that’s normally on our children’s radar, but after a visit to the grandparents a few years ago, they came back and absolutely insisted on trying Lunchables.

Sarah and I shrugged our shoulders and bought them each a Lunchables box as a one-off treat, intending them to be eaten for lunch on a Saturday or Sunday.

Needless to say, we weren’t impressed. We paid several bucks for a container with a pretty small amount of food in it, mostly processed food. For all three of our kids, we wound up spending close to $20 on a small and highly processed “lunch” that wasn’t particularly healthy.

It did have one undeniable thing going for it, though: Lunchables are really convenient. You can just open them up and eat, pretty much regardless of where you’re at.

So, Sarah and I decided that we’d try to make our own Lunchables.

Make Your Own Lunchables

We simply took five divided containers that we found at a yard sale (much like these, actually), and then went to the store and bought a bag of grapes, a block of cheese, some snack crackers, and a package of small juice boxes. We sliced the cheese and then put the cheese, crackers, grapes, and juice box into the divided lunch container and suddenly it was virtually identical to one of the Lunchables that we purchased.

What was different? There was about 75% more food in our “Lunchables” and the cost dropped from about $4 or so to about $1. Our total bill at the store for the block of cheese, the crackers, the bag of grapes, and the juice box was less than we had paid for three actual Lunchables, and we could have made about 10 or so of these meals out of those purchases. It took less than five minutes of prep work to make them and they were just as portable and convenient as a Lunchable.

The thing is, you could make this exact same thing with any finger foods that you prefer. It doesn’t have to be grapes and crackers and cheese. You can use lots of different fruits in there (I like blueberries, raspberries, chopped melon, and chopped pineapple). You can put in almost any kind of cheese. You can put in things like chicken wings or shrimp. You can put in vegetables like cauliflower or broccoli or sections of corn on the cob or artichoke. Sushi is absolutely perfect for this (and it’s not hard to make).

From there, it becomes obvious that making your own quick and convenient lunch with a lot of food variety really isn’t very hard, especially when you step back from the “Lunchables model.” Even when you’re trying to somewhat mimic a Lunchable, you have a lot of range, but when you drop that, there are a ton of convenient lunches that you can quickly make yourself that are cheap and tasty and healthy, too.

The ‘Convenient Lunch’

For me, having a “convenient lunch” around is really, really useful.

Ideally, a convenient lunch is one I can eat with my hands with no extra utensils, one that I can pull out of my backpack almost anywhere and eat with no prep work, and one that I actually enjoy while also being reasonably healthy. Ideally, I can just toss the container right back in my backpack when I’m done and throw it in the dishwasher when I get home. Even more ideally, it doesn’t cost that much to prepare and doesn’t take a ton of work to prepare. If a lunch can actually tick off all of those things, it’s great.

Let’s break those things down a little bit so that we can see the requirements.

I don’t have to use extra utensils to eat it. It’s okay if I can eat it with a simple utensil that’s already in the box, but it shouldn’t be complicated. I do actually keep a fork, spoon, and chopsticks in my backpack. However, the most convenient meals are ones that require nothing more than my hands so that I can eat that meal in the widest range of places. This gives me a lot more flexibility over where – and by extension, when – I eat. So, meals that require no utensils are best, though meals with just basic utensils are okay.

I don’t have to do extra prep work to eat it. This means I don’t have to heat it up anywhere and it also means that it doesn’t have to be kept exceptionally cold (though I will sometimes bundle a convenient lunch with an ice pack to keep it cool). Basically, if I couldn’t eat this meal on a hiking trip somewhere when I stop and sit on a log along the trail to eat lunch, it’s probably not what I’m looking for.

It’s enjoyable for me to eat. This means I’m not actually sacrificing an enjoyable lunch just for convenience or saving money. This is a matter of personal taste, as we all have foods that we like that others do not (and vice versa). I mean, I’ll use sauerkraut as a condiment on almost any savory food, while others will gag at the prospect.

It’s healthy. This is why something like a bag of cookies doesn’t qualify. That’s not healthy and, honestly, I’d probably feel awful most of the afternoon if I ate a bag of cookies for lunch. It doesn’t have to be “perfectly” healthy, but at least reasonably balanced and not packed with extra sugars or salt or preservatives if I can avoid it.

It’s easily portable. Honestly, this comes down to the container more than anything else. The portability of a lunch is almost all about the container. It needs to be a sturdy container that stays closed when I want it to stay closed and won’t leak. The two examples I like the best are food jars like food jars like this one, which is great for carrying soup or something that needs to stay hot, or containers with a tightly lockable lid like this one, which is great for carrying many other types of meals. I can throw these containers in my backpack without any real worry of leakage.

It’s inexpensive. Part of the advantage of choosing this option over just popping into a restaurant or something is that it’s a significant money saver compared to similar items at a quick restaurant. The contents of a quick lunch can’t be very expensive or else you’re probably choosing lunch elsewhere. For me, if it’s not beating a burrito bowl from Chipotle by a significant amount, I’m probably not doing it right.

It’s easy to prepare. Lastly, this shouldn’t require a whole lot of prep work. You should be able to throw it together the night before or even that morning with just a few minutes of effort. If it takes a long time to prepare, that’s going to be nearly as disruptive to the day as other lunch options.

A Lunch ‘Meal Prep’ Plan

So, how do those ideas actually translate into things that you might want to have as a “convenient” lunch that fits into your daily carry bag? Here are some things to consider.

What foods do you like that actually meet those requirements? In other words, what foods do you like that require very little preparation to be ready to eat, can be eaten with your fingers, don’t need to be reheated (this isn’t an issue if you have a food jar, as noted above), and are also reasonably healthy, tasty, and inexpensive?

You might think that list is pretty short, but it really isn’t. One practice that can help you fill out that list is to simply walk around your local grocery store looking for foods that might work for this purpose. Look through the produce section for fruits and vegetables you can easily eat with your fingers. Look at the meat section for items you could eat cold if they were already cooked, like chicken wings or legs or thick-cut deli meats. Consider sandwiches – you can put small packets of condiments in the meal with you so that the sandwich stays dry until you’re ready to eat it. You can slice any kind of cheese that you like. If you want to get inspired, look at Lunchables or other ready-to-eat meals or snacks and just emulate those.

Once you start really considering the wide variety of options available to you, a lot of options pop up.

Do some bulk prep work. One of the most effective ways to keep all of this cheap and fast is to buy things in bulk in a relatively unprepared state and then do the prep work yourself all at once when you have time.

Rather than buying pre-sliced cheese, buy a much less expensive block of cheese, cut it up yourself, and use it in multiple meals throughout the week. Do the same for something like salami, too.

Rather than buying pre-cut fruits or vegetables, buy a head of cauliflower or a bunch of grapes still on the vine and wash and cut things up yourself. Get them to a state where they’re pretty much ready to eat, then store them in a large container in the fridge until you’re ready to pack your meal. It’s a lot easier to just grab a few pre-washed grapes out of a container on a busy evening or morning than it is to have to deal with taking them off the vines and washing them when you’re already strapped for every second.

Save good leftovers that work well for this. I used to be a huge aficionado of chicken wings and I would eat them cold for lunch for days afterwards, as I’d buy them in bulk and cook them all at once for a party, but I’d save some of them in the fridge for myself for later in the week. In the winter, I do the same thing for soup, as I’ll make a big batch, save a lot of it, and then take some to the library with me in a food jar a day or two later so that I can have a super cheap hot lunch that’s really delicious (I love to put chili in there with a little bit of cheese stirred into it and some oyster crackers in a Ziploc bag… so good).

You can even fill your containers in advance, either partially or fully. Just pull out several containers – maybe five, to cover a whole work week – and put some items in each one on Sunday. That way, the actual effort needed to finish them off for each week day is truly minimal.

Use good containers. You can give this a trial run with simple containers, but you’ll quickly find that having a partitioned container with a firmly attached lid is really handy and you may find that a food jar that keeps things hot is also very useful.

My only advice is to not buy these right off the bat. Try to use the containers and options you already have on hand to make convenient lunches for yourself, then see what works and doesn’t work for you.

These Are a Few of My Favorite Things

Convenient pre-made lunches like these have become a staple of my routine on days when there aren’t going to be many leftovers in the fridge. I love taking these kinds of simple meals to the library with me or to a quiet place on a trail near my house where I love to go when I’m brainstorming or doing professional reading.

Here are some of my favorite things that I love to prep.

Sliced cheese, crackers, and grapes: It’s so simple, but it works. It always hits the spot and can be eaten with ease. To be specific, I really like colby jack cheese (bought in a block and sliced), store brand Triscuits, and green seedless grapes. I could eat that almost every day for lunch.

Soup: I love to put soup in a food jar on a cold day and take it to the library with me (or if it’s just really chilly and I choose to go on a long outdoor walk). My favorite is reheated chili – we’ll make chili earlier in the week and then I’ll reheat some of it to put in the food jar before I leave. I’ll stir in a little bit of cheese and take along a small container of oyster crackers to add to the soup when I eat it. I sometimes do the exact same thing with chowder, which is also excellent the second time around.

A simple sandwich: Whenever I’m at a restaurant that has condiment packets, I request or grab a few extra to throw in a drawer here at home. Why? I use them when I make a sandwich for this kind of simple to-go meal. I’ll make a sandwich that fits perfectly in a partition in a meal container, not put any condiments on it initially, and put a few condiment packets in another container. In the third, I’ll put some sort of finger vegetable or fruit.

Noodles: Some noodles work really well cold, so I’ll take them along in a segmented container with some appropriate sides. If they don’t work well cold, noodles work wonderfully in a heated food jar – I just heat up the noodles while the food jar is warming up and then add the noodles to the jar and go.

Vegetable medley: You’d be surprised how often my lunch just consists of a medley of vegetables. I’ll usually put in three kinds, often with pickles in the largest partition and other options (like carrots or pickled garlic or something like that) in other segments. Sometimes, I’ll put some nuts in there as well.

Chicken wings: Before I became vegetarian for health reasons, I used to love eating cold chicken wings for lunch the next day after a party. These work perfectly for a meal like this – just toss some chicken wings in there, eat them for lunch, and leave the bones in the container for later disposal.

Final Thoughts

So, let’s bring this all back around to the original Lunchables situation with our kids. After trying actual store-bought Lunchables during one park trip, as I mentioned above, Sarah and I put together an “imitation Lunchable” for each kid for the next trip to the park. Each one had substantially more food in it and cost about half as much and the ingredients were substantially better – freshly sliced cheese, better crackers, a juice box, and a cookie.

The kids absolutely loved them. Without any mention, the kids recognized it as basically being the same as a Lunchable, but they preferred the ones we made.

Our homemade ones took abut five minutes to prepare, had more food, had healthier ingredients, and was way cheaper.

The same principles behind those “imitation Lunchables” guide quite a few of my own lunches (the ones that aren’t just leftovers, anyway). They’re just simple foods that I like that can be eaten anywhere, packaged up in a simple way so that they fit in my backpack without fear of spilling. The cost is usually less than a dollar and it provides me with lunch wherever I want to be.

It’s not a huge filling lunch, but the truth is that most days I don’t want a huge filling lunch. I just want something light to tide me over and a moment to pause and just reflect on the world while eating that light lunch. This is perfect for that – it’s cheap, reasonably healthy, and works almost anywhere I happen to be.

Make your own Lunchables, just the way you like them. You might just find it’s a strictly better way to do lunch.

More by Trent Hamm

The post Making the Super Quick and Convenient Lunch Much More Frugal appeared first on The Simple Dollar.



Source The Simple Dollar https://ift.tt/2N8OR1b

9 Ways to Earn Money From Your Worst Spending Habits

If You’ve Shopped Walmart Online Lately, This Trick Could Get You Cash Back


If you’ve made an online purchase from Walmart lately, you might be eligible for money back.

Our secret weapon here is Paribus, a tool that tracks your online purchases at dozens of major retailers, including Walmart. If the price of an item you purchased drops within 90 days of your purchase, Paribus could help you get compensated for the difference. It’s Walmart’s typical price-match policy — but with a modern twist.

(Note: Walmart’s normal terms and conditions still apply.)

Say you order a microwave online from Walmart. It costs $74.84 at the time of purchase. But  the cost drops $13.06 six weeks later. If it’s an eligible purchase, Paribus will recognize that price drop and contact Walmart on your behalf to snag you the difference.

Pro tip: To help ensure you get money back, make sure your purchases are from Walmart itself — not a third-party seller on Walmart.

Additionally, say you paid an extra $9 for guaranteed two-day shipping. (Your kitchen is chaos without that microwave.) But the microwave shows up three days later. Again, Paribus will contact Walmart on your behalf to try to get you a refund on the cost of shipping. It does all the heavy lifting for you.

You’ll most likely get any refunds via your original payment method.

There’s no catch: Paribus is 100% free.

Just enter your email address (Paribus finds cash-back opportunities through your e-receipts), and you’re good to go.

For more information — and to see how one Penny Hoarder earned a quick $22 — check out our Paribus review.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She would definitely pay for overnight shipping if her microwave stopped working.

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/2OkqJ8j

Sick of Negative News, This TV Reporter Left Her Job and Started a Podcast

This App Lets You Crowdfund Your Way to a Down Payment on a Home

What You Don’t Know About Insurance Is Costing You

Insurance can protect you, but only if you know what it covers before you take out a policy.

As it stands, most of you have no idea if your insurance covers the change you left in your car’s cupholder, that dog bite you got when you walked too close to your neighbor’s fence, or the wooden support beams in your basement currently being devoured by termites. And all of that ignorance is costing you money.

“According to our data, it is apparent that there’s a lot of misinformation—and a lack of awareness—out there when it comes to insurance, from the basics of Obamacare to your standard home and auto policies to what’s covered and not covered,” says Jason Hargraves, insurance analyst at insuranceQuotes.com. “And when a consumer doesn’t have a full understanding of their policies, chances are their pocketbook will ultimately pay a price.”

So what don’t you know? Well, according to insuranceQuotes, 60 percent of Americans are unaware that the mandate for insurance coverage under the Affordable Care Act and the penalties for dropping coverage are still in effect through 2018. That’s a tough lesson to learn, as the penalty for dropping coverage last year was either $695 per adult (with a $2,085 family ceiling) or 2.5 percent of household income, whichever was greater. In 2016, the last year for which figures were available, roughly 6 million opted out and paid the penalty according to the Internal Revenue Service.

Speaking of health insurance, 39 percent of us somehow have no idea that health insurers are allowed to factor in tobacco use when determining their premium. Considering that the Centers for Disease Control and Prevention (CDC) considers cigarette smoking the leading cause of preventable death in the United States, it isn’t entirely surprising that smokers’ insurance rates are 15 to 20 percent higher than those of their non-smoking counterparts.

There is similar confusion surrounding renters and homeowners insurance. Roughly 46 percent of consumers don’t know that standard homeowners insurance won’t cover damage done by pests such as termites and rodents. Home insurance provides liability protection for things like dog bites, but you’re on your own with pests unless you specifically seek out that coverage.

“If your home experiences a rodent infestation or termite damage—or another unexpected event—having the appropriate insurance policy can mean the difference between inconvenience and disaster,” says Hargraves. “When researching and selecting your individual and family policies, it’s always worth it to pay attention to the details.”

Meanwhile, if items are stolen from your car or truck, your homeowners insurance policy absolutely covers that. The 62 percent of consumers who weren’t aware of that coverage have a right to be confused: Car insurance seems like a logical choice for that kind of benefit, but it only covers what was included in your car once it left the factory. Anything else you place in your car is considered personal property, and that’s covered only by homeowners and renters’ insurance.

That said, there are some big events that homeowners’ insurance won’t cover. In any situation where you can be held liable for someone else’s injury, misfortune, or death, liability insurance often takes up the slack. Shomari Hearn, a certified financial planner with Palisades Hudson Financial Group in Fort Lauderdale, Fla., notes that if a guest at your party drinks, gets into a car, and kills someone while driving, you can be held liable.

“Not having adequate liability insurance is one of the most common holes in a financial plan,” Hearn says. “Paying a big judgment out of your own pocket could be financially devastating.”

However, your homeowners’ policy does come with some liability insurance. About 54 percent of all consumers and 67 percent of millennials don’t know that a standard homeowners or renters policy would cover dog bites. That includes incidents where your dog bites someone at the dog park, on the street, or at any other location away from your home.

Yet even having coverage for dog bites on your own doorstep helps tamp down your liability risk. The CDC estimates that 4.5 million people each year are bitten by dogs, and according to the United States Postal Service, the number of postal employees attacked by dogs nationwide reached 6,244 in 2017. That’s 400 fewer than the year before, but attacks on mail carriers became so prevalent in recent years that their scanners now indicate if there’s a dog on the property they’re visiting next.

“Even good dogs have bad days,” says USPS safety director Linda DeCarlo from Los Angeles, where postal workers were attacked by dogs 46 times.

But that bad day comes at a cost. According to State Farm, the average cost paid out for dog bite claims nationwide was $37,051 in 2017, compared with $27,862 in 2013. And while dog-bite claims have risen 9.5 percent since 2003, the cost per claim has nearly doubled in that time.

While homeowners’ insurance has broad liability coverage, there are scenarios in which it isn’t enough. Robert Passmore, senior director of personal lines at the Property Casualty Insurers Association of America, says homeowners policies generally cover gun owners’ firearms as personal property and reimburse damage to or loss of a weapon. But while the liability portion of a policy offers some protection if a homeowner accidentally injures someone else with a firearm, that coverage has its limits and might require extra coverage in the event of serious injury or death.

Hearn notes that homeowners insurance usually includes up to $300,000 of personal liability coverage. The typical renters’ policy, however, offers just $100,000 of coverage. Auto insurance typically covers up to $250,000 for each person and $500,000 per accident involving bodily harm, and less for incidents that involve only property damage. If you have more significant assets or earning power, Hearn suggests backing up your homeowner’s insurance with a personal $1 million umbrella policy that the Insurance Information Institute (III) says costs $150 to $300 a year.

Though some assets are protected by law — a court can’t force you to liquidate a 401(k) to pay a judgment, for example, and states protect both traditional and Roth IRAs — second homes, non-retirement investment accounts, and future earnings are all up for grabs. If a lawsuit judgment or settlement stretches into millions of dollars, that’s going to eat through your homeowners or auto insurance coverage pretty quickly.

“Most companies that sell umbrella insurance require customers to increase their base liability coverage to fill such gaps, but it’s wise to check,” Hearn says. “Sticking to one company for home, auto, and umbrella gives you discounts. It also makes the process simpler in the case of a lawsuit, since you will not have two separate companies handling two portions of your coverage.”

More by Jason Notte:

The post What You Don’t Know About Insurance Is Costing You appeared first on The Simple Dollar.



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