DES MOINES, Iowa (AP) — Between the country's trade dispute with China and the seemingly endless storms that have drenched the central U.S., Iowa farmer Robb Ewoldt has had plenty of time to think about whether it's too late to plant this season, how much federal aid he might get if he does or whether to skip it altogether and opt for an insurance payment.Instead of driving his tractor, he's driving a truck these days to earn a living while wondering how long it will be before [...]
Source Business - poconorecord.com http://bit.ly/2WhNdin
الخميس، 30 مايو 2019
Tips for Avoiding Credit Repair Scams
As someone who’s working to pay off significant credit card balances, as well as student loan debt, there’s rarely a week that goes by when I don’t receive some sort of debt relief marketing.
I often find myself flummoxed by the increasingly creative ways that these companies find to get their message in front of me. In addition to emails and filling my real mailbox with offers, I’ve even received robocalls and text messages.
While I’m sure I’m not alone in receiving this steady stream of advertising, I have become increasingly concerned with how one might actually attempt to sort through all of these offers to find truly legitimate assistance and not fall prey to scams designed to sink already vulnerable people further into debt.
Even more troubling is that perhaps none of them is legitimate. The Better Business Bureau Scam Tracker received more than 740 reports of debt relief and credit repair scams in 2018, costing consumers hundreds of thousands of dollars.
With these questions and concerns in mind, I reached out to several debt repair and personal finance experts and asked them to share the best ways to separate the con artists from legitimate debt relief companies.
Spotting Debt Relief Scams
Debt relief scams come in all forms. Perhaps the most common involve companies promising cash-strapped consumers who have significant credit card debt that they will negotiate with creditors on the consumers’ behalf and reduce repayment obligations.
According to the Federal Trade Commission, these predatory operations often charge consumers a large upfront fee, but then fail to help them settle or lower their debts – if they provide any service at all.
Some companies even promise to create “a new credit identity” for you, says the FTC, suggesting they can “hide” your bad credit history or bankruptcy for a fee.
Bogus auto loan modification offers are another take on the scam theme. This approach involves false promises to reduce a consumers’ monthly car loan or lease payments in order to help avoid repossession.
Step 1: Find out exactly what service is being offered.
When you’re contacted by companies offering debt relief, be sure to find out exactly what type of service they’re seeking to provide, says Leslie Tayne, a consumer debt resolution attorney with more than 20 years of experience.
Are they offering a consolidation loan? Are they going to have you declare bankruptcy (which you may not want to do), or perhaps offering credit counseling?
“If you aren’t sure exactly how the process works after the first phone call, then likely there’s a reason it’s convoluted,” Tayne explained.
It’s also a good idea to ask who will be doing the debt-relief work: Is it outsourced, or done in-house?
“Most of the companies that contact you are really lead generation companies who take your info and sell it to several other companies, which is why you may be inundated with mail and calls,” said Tayne. “You should consider asking if this is a lead generation, or are you the company that will be working with me?”
Reputation and time in the industry are important.
Conduct thorough online research about a prospective debt relief company before signing on for any assistance. If you can’t find information about the company or there’s only scarce history available, there’s probably a reason for that.
“They likely just change names and move when they’re about to be pinched; you’re interviewing someone to do an important job for you, so make sure you ask questions and do some research,” Tayne continued.
While sifting through the information online, avoid putting too much stock in glowing testimonials about a company, which can easily be bought or made up, particularly if you see hundreds or thousands of these sorts of reviews.
“In our experience, most clients… don’t want to write reviews because they’re embarrassed and want to remain anonymous,” said Tayne.
Some of the ways to vet credit repair companies include reading reviews about the company on the Better Business Bureau‘s website and searching the Consumer Financial Protection Bureau’s complaint database, suggests Dana Marineau, vice president and financial advocate at Credit Karma.
“Be diligent in your research of companies to find one you trust and one that will help you reach your financial goals. It’s okay to be picky,” said Marineau.
Google Reviews and Trustpilot are still other places to find out if a company is on the up and up, says James Lambridis of DebtMD.com.
“If they have a bunch of disgruntled customers, you can rest assured you will find many negative reviews online,” said Lambridis. “If you see way too many negative reviews compared to positive ones, you should look elsewhere for credit repair or debt relief services.”
Big promises are red flags.
Scam artists in the debt relief and credit repair world prey on consumers who are stressed out and overwhelmed by their financial situation.
Such individuals are often “easily swayed by callers who assure them that they will resolve the debt for pennies on the dollar,” says Tayne. “That’s completely unrealistic in today’s debt world. The moment there are promises for time frames or settlement amounts, it’s a red flag that the company is trying just to sell you and won’t deliver. It’s impossible to predict what a creditor will do, and anyone who says they can doesn’t know this industry.”
What this means for you as the consumer is that you must do your homework, says Tayne. Don’t jump at any offer you get, particularly from a company making unrealistic claims about resolving your debt. Take the time to read the fine print.
Additional red flags include companies that:
- are pushy and unprofessional;
- claim they can stop all debt collections calls and lawsuits;
- refuse to send you any information about their services unless you provide personal/financial information;
- have no official name or address on their website, just a 1-800 number.
Mike Pearson, of Credit Takeoff, adds two more red flags to this list. A legitimate company, he says, must provide you with a written contract before they begin services, and give you at least three days to cancel.
In addition, while they can dispute items on your credit report and prove them to be erroneous, they shouldn’t promise to remove correct items.
There should be no upfront cost.
A reputable debt relief company will not make you pay for services before they do anything to help you and will be willing to send you free information about their program and services.
“A very common red flag is the company gets paid before your creditors do, or they charge monthly service fees,” explained Tayne. “No way is that legit, and no way is that necessary other than to make them money. Once they’re paid there’s no real incentive for them to work on your accounts.”
If a company asks you to pay them over the phone right away and won’t answer questions about the fees clearly, avoid working with them. The same goes for companies seeking a large sum of money upfront or monthly service fees.
In fact, Federal Trade Commission rules prohibit a debt relief company from collecting any fees until it has negotiated a settlement on a debt – and the customer has accepted the settlement, says Sean Fox, co-president of Freedom Debt Relief.
“Also watch for companies that claim they can settle all debts for a single interest rate reduction. The debt settlement process is more complex, involving negotiating with each creditor. Each settlement will likely be different, and will depend on the creditor, the amount of the debt and other factors,” said Fox.
There are legitimate debt relief offers.
The best arrangements with a debt relief agency or company are those in which expectations are managed and the company contacting you is the one you’ll deal with throughout the entire debt relief program.
“You can’t go into one of these scenarios with unrealistic expectations, and that’s another way to know if you’re dealing with the right people,” said Tayne. “Are they managing your expectations from the beginning, or are they just telling you, ‘Don’t worry, we do this and that and will save you lots of money,’ and tons of one-liners.”
In addition, all of the company’s practices should adhere to the Federal Trade Commission’s Credit Repair Organizations Act and you should be provided with a copy of those regulations, said Justin Lavelle, chief communications director for Been Verified, the online background check platform.
- Related: Best Debt Management Companies
No two debt cases are the same.
The company you’re working with should treat you as an individual, know your short- and long-term goals, and be able to lay out a clear road to recovery, said Tayne.
“If it doesn’t feel right, then it isn’t, and just move on. There are legitimate companies out there to help you,” said Tayne. “Go with your instincts.”
And one last point to keep in mind – there’s nothing a credit repair service can legally do that you can’t do on your own, said Lavelle.
For instance, it’s your legal right to request a credit report, yearly, free of charge. And once you obtain the reports, you can review them for negative items.
“Then, you can contact the credit bureaus and dispute any items you feel are inaccurate,” said Lavelle. “From there, you can contact the specific company who has your account, possibly a collection agency and negotiate a settlement agreement directly with them.”
Mia Taylor is an award-winning journalist with more than two decades of experience. She has worked for some of the nation’s best-known news organizations, including the Atlanta Journal-Constitution and the San Diego Union-Tribune.
Read more:
- How to Get Out of Debt Without Credit Counseling
- The Credit Repair Manual
- Don’t Fall for These Credit Repair Scams
- A Secured Credit Card Might Be the Key to Rebuilding Your Credit
The post Tips for Avoiding Credit Repair Scams appeared first on The Simple Dollar.
Source The Simple Dollar http://bit.ly/2YV67sd
JCPenney closing 20 U.S. stores: Is yours on the list?
Add JCPenney to the list of retailers closing stores.The Texas-based department store chain said it will shutter 20 locations this summer, according to Country Living.JCPenney has about 800 stores nationwide. It joins a number [...]
Source Business - poconorecord.com http://bit.ly/2MlNJHE
Source Business - poconorecord.com http://bit.ly/2MlNJHE
Finding Grocery Store Value: 10 Inexpensive Food Items That Work in a Lot of Meals
One of the most transformative things you can do to alter your spending habits is to learn how to cook at home while using inexpensive staple foods as the backbone of your diet. In other articles – most of all, this one, which is one of my favorites I’ve ever written – I’ve identified six key staples that can make up the backbone of a healthy, tasty, and culinarily diverse diet: rice, beans, oatmeal, pasta, eggs, and on-sale fresh produce. Every single one of those items is incredibly inexpensive, at least reasonably healthy, and can be used in an absurd number of dishes in very different styles.
Still, you can’t just subsist on those items alone. While they’re the big leaders in terms of “bang for the buck” in the grocery store, there are many other items that I consider a tremendous bargain in terms of being healthy, tasty, and useful in a lot of different ways. I consider these items to be the “second tier” of value in the grocery store – if you’re filling your cart up with these items and the staples listed above, heading home, and making meals with all of this stuff, I’ll almost guarantee that you’re eating a healthy and low cost diet.
Let’s dig in!
Cottage Cheese
You can easily find a pound of cottage cheese for $1 or $1.25 in my area, which is an amazing deal. I enjoy eating three or four ounces of cottage cheese (about a quarter of the container) with some pepper on top for a snack that costs about $0.30, or using it as a really easy side dish for a lot of meals, but that’s just the start.
For starters, cottage cheese is a pretty solid low cost substitute for ricotta cheese in a lot of dishes that use ricotta, such as lasagna. You can puree it and add a few additional ingredients and it works as the foundation for a delicious and simple alternative to cheesecake (I’ve enjoyed these “cheesecake” bars and they’re tremendously tasty.). I love putting it on apple slices to make an apple have a little protein in it as a snack. You can puree it and use it as a spread for bagels or toast – it can be savory or sweet depending on what you add to it. You can use it to make a fantastic paneer, like this or this. You can even use cottage cheese to make scones!
It’s a really diverse ingredient in a lot of different dishes and different styles, it’s tasty on its own, and it can easily be remixed into sweet and savory items. Given that it’s also only a little more than a dollar a pound, it’s one of the better bargains on store shelves, and it’s a pretty healthy protein source to boot.
Carrots
Whole carrots are almost always inexpensive in our area. I can typically find a pound of whole carrots for less than a dollar, which is far less expensive than buying baby carrots (which are basically cut up whole carrots. Not only that, whole carrots are actually easier to use for most purposes that aren’t centered around convenience snacking, and you can easily cut up whole carrots into discs that work well for a convenience snack like baby carrots.
Carrots, as with everything else on this list, have a ton of different uses. They’re pretty good just cooked on their own with a simple glaze, like these bourbon-glazed carrots. They shred really well and work in a lot of salads. You can puree carrots and basically use them alongside chickpeas in hummus. They’re amazing in all kinds of different soups, even as an unusual ingredient in things like chili. I loved mashed carrots with a bit of maple syrup for just a hint of sweet – you basically cook them and mash them like mashed potatoes. And then there’s carrot cake…
The best part is that carrots are extremely healthy. They’re one of the best foods you can eat and are a great source for beta-carotene. The fact that they’re tasty as a finger food, can be used in so many different ways, and don’t ding you at the cash register should make carrots a part of almost everyone’s shopping list.
Potatoes
Potatoes are incredibly inexpensive. You can easily get a pound of potatoes for less than $0.50, depending on variety, and they have such incredibly varied uses.
You can bake them by simply wrapping them in foil, popping them in the oven, and then cutting them open and putting on some sour cream or butter. You can mash them by cutting them into cubes, boiling them, and then mashing those softened potatoes. You can cut them into strips and fry them in a deep fryer to get some delicious French fries. You can cut them into discs or wedges, wrap them in aluminum foil with a bit of olive oil and some herbs, and toss them on the grill for thirty minutes for amazing roasted potatoes. You can cut them into discs and cook them in a skillet with a bit of oil for fried potatoes. You can shred them, form them into discs, fry them in a skillet, and make amazing latkes. You can also just cook the shredded potatoes (or cut them into tiny cubes) for hash browns. You can take leftover mashed potatoes and make all kinds of things – I particularly love potato pancakes. You can cut them into thin discs and fry or bake them to make chips. All of these things have infinite variations and infinite flavor possibilities.
The fact that the humble potato can make a wonderful side dish for grilling, for a big family brunch, for a formal dinner, for a burger, for pretty much any meal and have it work in some variation is amazing, and the fact that you can pick pounds of them up for just a few bucks speaks to the value that potatoes can add to your diet. Naturally, you wouldn’t want a diet made entirely of potatoes, but they can definitely fill a role in a healthy, balanced diet.
Cabbage
Cabbage is one of my favorite unsung cheap foods. Not only is cabbage absurdly cheap, with a large head available for pocket change almost all year round, it’s got a ton of different uses for such a wide variety of foods.
When I was growing up, cabbage rolls were a frequent meal, consisting of small individual meatloaves wrapped in a large cabbage leaf and baked. There are infinite varieties on this – you can wrap almost anything in a cabbage leaf and bake it. Cabbage is also the backbone of a lot of great salads and slaws – shredded cabbage, a bit of shredded carrot, and some mayonnaise makes for a great quick side dish, for example, or you can get a little funky with it. Cabbage also cooks well in vegetable soups and stews and is an essential part of corned beef and cabbage which is incredibly popular around St. Patrick’s Day. You can slice it up for stir fry, roast it in the oven, or even use it for one pot pasta.
My favorite use, though, is sauerkraut. My father and grandfather both made homemade sauerkraut in crocks in their garages and sheds, shredding several heads of cabbage, adding salt, weighing it down, and covering it for several weeks until it was perfect – gently sour and salty and wonderful to eat as a side dish or on top of mashed potatoes or on a hot dog or bratwurst. I make mine like this, in individual wide mouth quart Mason jars with rings, these fermentation lids, and these glass weights to keep the cabbage below the brine. All you need beyond those things is cabbage, salt, and a little water, or maybe a few other ingredients if you’re experimenting with sauerkraut variants. I love sauerkraut and would eat it every day; kimchi is a similar fermented cabbage food that I also quite enjoy.
Cabbage is an item that’s easy to overlook in the grocery store, but don’t. There are many delicious uses for this humble vegetable.
Apples
Most apple varieties can be found for $1 per pound or so, making them a pretty inexpensive food. There are a few varieties that are more expensive – honeycrisps come to mind – but I like Galas and Granny Smiths and those are usually easily found for about $1 a pound or about $0.20 to $0.25 per apple. That’s a pretty sweet deal.
Apples are wonderful for the obvious reason – you can just grab one and start eating it for a sweet but still pretty healthy treat, and the core can simply be tossed. They also work as ingredients in tons of other dishes, from simple things like smoothies (just toss in a sliced apple) and apple cider (just cook apples into near-oblivion and strain out the big pieces with a cheesecloth) and apple butter to dishes like apple crisp and apple pancakes and apple pie and apple-cranberry chicken… it goes on and on.
One of my favorite uses for apples is to make apple cider vinegar, which is basically the liquid from fermented apple scraps. You basically just fill a jar mostly full with apple scraps, add some sugar to a cup of water, add water until they’re submerged, put a fermenting lid on top, and wait for three weeks. Strain it, put the liquid back in the jar, and let it sit for another three weeks with the fermenting lid on, and you’ll have apple cider vinegar. It’s actually very similar to making sauerkraut, as described earlier. Here’s a detailed recipe if you’re interested.
All of that for a buck a pound or so? That’s a pretty good food bargain if you ask me.
Bananas
I can buy bananas at the store for $0.20 a pound. Now, it’s worth noting that at least some of that weight is the skin itself, but that’s still an astoundingly low price for the deliciousness and versatility of bananas. Much like apples, their default use is wonderful – grab one, start eating, toss the peel when you’re done – but there are many, many more uses for them.
Banana pancakes. Banana splits. Smoothies. Banana bread. Baked bananas. It’s an amazing topping on French toast. Banana pie. Fruit salads. Banana chips. Even banana ketchup (seriously).
Bananas are quite sweet, so you’re usually limited to sweeter things with them, but their extremely low cost, ease with which they can be eaten raw, and the diversity of dishes that they can be used in is quite wide. (And you really should try banana ketchup.)
Peanut Butter
Peanut butter is one of my favorite foods to have around the house. Often, when I want just a tiny snack, I’ll pull out a spoon, get a big spoonful of peanut butter straight from the jar, and pop it in my mouth, and from there the spoon goes right in the dishwasher and the jar right back in the cupboard. It’s such an easy and inexpensive little snack, since a one pound jar of peanut butter is just a little more than a dollar and it’s so filling.
Of course, peanut butter can be used in tons of other things, from the simple things like peanut butter and jelly or peanut butter and banana sandwiches and as an ingredient in smoothies to other items like peanut butter cookies, peanut butter pancakes, and peanut butter and chocolate brownies. I like putting a spoonful of it right in my oatmeal or on top of waffles or French toast in the mornings.
Where it really stands out for me, though, is when it’s used with savory foods. I love making pad thai with peanut butter right in with the vegetables (often along with a few peanuts, too). One of my closest friends swears by the use of peanut butter as a burger topping. It actually makes a really good salad dressing. On top of that, one of my favorite condiments is Dutch peanut sauce, which makes for an amazing condiment and French fry dip.
Our pantry wouldn’t be complete without a big jar of peanut butter in there, and as soon as we run even a little low, it’s instantly added to our grocery list.
Canned Tomatoes
While I absolutely love fresh tomatoes, they can be somewhat expensive when they’re not in season. On the other hand, canned tomatoes in all of their varieties (diced, crushed, tomato sauce, tomato paste) are all incredibly inexpensive, incredibly useful, and quite tasty, too. They’re really the only canned vegetable we use, and we use them quite often.
I can’t even begin to list the uses of diced tomatoes, tomato sauce, and tomato paste. I use them in all kinds of things, from making my own quick pasta sauce to making any number of different soups, from making salsa to producing a quick pizza topping or sauce, from making sloppy Joe sandwiches to making a delicious liquid for cooking grains (I’ll often use tomato sauce right in the liquid when cooking rice to imbue the rice with extra flavor and color, for example). We’ll use them in goulash and as a taco topping and in lasagna and as a topping on margherita pizza. I love mixing diced tomatoes with macaroni and a little salt for an excellent side dish or a quick lunch, or just simmer tomatoes with beans and cheese for an easy and quick dinner.
The uses for canned tomatoes in all forms – whole, diced, crushed, sauce, paste – are nearly infinite. I pretty much always have a few cans of each type in the pantry and I will stock up hard every time they go on sale.
Sweet Potatoes
Sweet potatoes might just be Sarah’s favorite food on the entire planet. She eats them constantly and in all kinds of different ways, and they’re generally not much more expensive than regular potatoes.
For the most part, Sarah likes to mimic the use of normal potatoes with them. She’ll bake them just like baked potatoes. She’ll make fries with them. She’ll mash them (except that she’ll often add a bit of maple syrup for just a bit of sweet). She’ll even grill them. She’ll also use them in things like stir fry, cutting them into little pieces and tossing them right in with the other vegetables.
However, what really makes sweet potatoes stand out is their use in sweeter dishes, things that don’t really click with normal potatoes. She’ll toss cooked sweet potatoes into smoothies. She’ll make sweet potato pie. She’ll put them in salads. I swear she’d sneak sweet potatoes into every meal we eat.
I’ll be the first to admit that sweet potatoes would not be my number one choice on this list, but given the low price and the love my wife has for them and the number of uses that they have, I have to give sweet potatoes a big mention.
Whole Chickens
With this last entry, it’s worth noting that I am on a pretty strict plant-based diet for health reasons, so this isn’t something I actually eat myself lately. Having said that, whole chickens are, in my opinion, the absolute best meat bargain in the grocery store and would be on my list constantly if I were eating them. To be clear, when I refer to whole chickens, I mean both raw whole chickens from the store as well as the somewhat more expensive precooked rotisserie chickens. They’re both bargains.
With a rotisserie chicken, you have a ton of meat that’s ready to eat almost immediately. At the prices for which they usually sell, that’s enough food for several meals if accompanied by other items.
It’s easy to cook a whole chicken at home on the grill or in a slow cooker. If you prefer, you can also cut it up into pieces and cook them separately in any number of ways – grilling, frying, roasting, whatever works. You can remove the meat – cooked or otherwise – from the bone and use it in countless dishes, from chicken noodle soup to chicken salad, from white chili to chicken sandwiches, from chicken pot pie to fettuccine alfredo with chicken. The uses are nearly infinite, and the dark meat is often just as useful as the white.
In any case, when you are left with the carcass and any unwanted meat and skin, it’s wonderful for making chicken stock. Just put the carcass in a slow cooker, cover it with water, add a few peppercorns and some salt, and let it cook on high for many hours. Strain it and save the liquid – it makes for the backbone of many wonderful soups that use other ingredients in this article.
Whole chickens are a tremendous bargain, not only in the meat they provide, but in the delicious broth that you can get out of the carcass.
Final Thoughts
If your grocery list looks something like this…
Rice
Beans
Eggs
Oatmeal
Pasta
Produce that’s on sale
Cottage cheese
Carrots
Cabbage
Potatoes
Apples
Bananas
Peanut butter
Canned tomatoes
Sweet potatoes
Whole chicken
Seasonings and spices
… you’re probably eating a pretty healthy and pretty low cost diet with a lot of day-to-day variety. It wouldn’t be hard to take the items on that list and make a pretty varied diet with just those items alone, nothing else. If you add a few items here and there for a few meals, you’ve got yourself a splendid low cost, nutritious, and healthy diet with a ton of variety.
Make yourself a meal plan and a grocery list with these essentials in mind and head out the door. You might just find the path to cheaper and healthier food is easier and tastier than you thought.
Good luck!
The post Finding Grocery Store Value: 10 Inexpensive Food Items That Work in a Lot of Meals appeared first on The Simple Dollar.
Source The Simple Dollar http://bit.ly/2Qz6qGd
How to Stay on Top of Your Finances Without a Budget
If you grumble at the thought of budgeting, you’re not alone.
The Penny Hoarder recently conducted a financial literacy survey of approximately 1,500 adults and found 40% do not budget their money.
Despite the resistance, creating a budget is what most financial professionals recommend, said Holly Peterson, financial consultant and owner of Elite Retirement Strategies in Pocatello, Idaho. But if you hate limiting your spending with a budget, you might want to take a few months off and focus instead on expense tracking.
“By tracking their spending, people can see where they’re overspending or where certain financial problems are,” Peterson said. “For instance, you might realize that you should probably start packing a lunch from home instead of buying every day. But if you’re not confronted with how much money you’re spending each week or month on takeout, you might never feel the need to change.”
Keep a small notebook with you and jot down whenever you make a purchase throughout the day. The day-to-day record keeping may seem tedious, but try your best to stay consistent.
“Everyone makes mistakes, and there might be days where you forget, but track every purchase, even if it’s an impulse buy, and keep up with your tracking,” Peterson said.
She said you may find yourself being less impulsive with your money now that you have to write everything down and hold yourself accountable for what you buy.
Pro Tip
Peterson recommends taking your tracking one step further and color-coding your purchases by spending category or designating between essentials and nonessentials.
If tracking your expenses manually isn’t your style, download a budgeting app that links to your bank and credit card accounts.
“Mint is a great example, because it automatically breaks down your spending into categories, like food and entertainment,” Peterson said.
At the end of the week, total everything up and review how you spent your money.
“Tracking your spending is a great way to make sure that your long-term priorities are matching up with your everyday actions,” Peterson said. “If you want to retire by a certain age, but you’re spending too much to add to your retirement fund, you have an issue.”
While expense tracking is a good first step to managing your money, you shouldn’t stop there. After a few months of recording and reviewing what you buy (and making necessary changes), it’s time to — hold the groans — create a budget. Instead of feeling restrictive, however, your new budget should mirror your actual spending while prioritizing what’s important to you.
Peterson said some people dislike budgeting because they aren’t starting with realistic budgets.
“If you’ve never tracked your expenses, you may have no idea how expensive your lifestyle really is, so suddenly cutting down on everything feels painful — when in reality, you could just take a month or two to track your average daily spending and then figure out where there’s room for improvement,” she said.
Nicole Dow is a senior writer at The Penny Hoarder.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
source The Penny Hoarder http://bit.ly/2XlKocQ
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