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الاثنين، 15 أكتوبر 2018

This Program Offers Up to $7,500 in Home Down Payment Assistance


“Buying makes more sense than renting.”

Chances are you’ve heard that advice before. It’s right up there with “start an emergency fund” and “don’t go into credit card debt” in the annals of classic personal finance counsel.

But just because buying a home is a better money move than renting one doesn’t make coming up with a five-figure down payment any easier. (And by the way, it’s not always that cut and dried. In some cases, renting is actually cheaper.)

Even with the fairly generous terms of loans aimed at first-time home buyers, saving up the cash for a down payment can be a serious challenge, especially if you’ve got other fiscal responsibilities to consider. Like student loan debt. Or your car payment. Or, you know, actually feeding and clothing your children.

But if your heart’s set on home ownership, there is one program you may not have considered yet — and if you qualify, it could mean free money.

How to Get Down Payment Assistance You Don’t Have to Pay Back

I don’t know about you, but offers of free money always raise my eyebrows. That whole “no free lunch” thing is a cliche because it tends to be true.

But as it turns out, there are certain programs and nonprofits that offer down payment assistance — including grants that don’t require repayment. And one of the nation’s largest banks is working to help you access that cash.

Wells Fargo has partnered with NeighborWorks America and local nonprofits to develop the NeighborhoodLIFT program, which offers financial instruction and down payment assistance to prospective home buyers in certain markets. Depending on your area, you might have access to educational events or the opportunity to apply directly for a grant.

Along with helping you understand and apply for down payment assistance programs in your area, NeighborhoodLIFT’s free educational events provide useful information about homeownership in general, including a step-by-step overview of the home-buying process and tips to evaluate whether or not you’re actually ready to purchase. They even offer free activities to keep the kids entertained while you’re at it.

And in certain cities, NeighborhoodLIFT has partnered with local nonprofits to create their very own grant programs.

Either way, it’s an opportunity worth looking into if it’s available in your area.

Where is the NeighborhoodLIFT Program Available — and How do I Qualify?

Anyone can attend a NeighborLIFT event to learn more about home buying, but qualifying for a down payment grant depends on a variety of factors, including your income level and the price of your prospective housing. The specifics vary by market and are given to change, so be sure to check the website for the latest.

Here are a few of the markets currently offering NeighborhoodLIFT grants to qualified buyers. (You can also contact your local Wells Fargo representative at (866) 858-2151 to learn about available opportunities near you):

 

  • Atlanta, Georgia: You could receive up to $15,000 toward a down payment on a home in Fulton, DeKalb, Cobb, Gwinnett or Clayton counties.
  • New Mexico: $7,500 grants are available for qualified homebuyers through the Homewise organization.

 

Although the list of participating areas is fairly limited at this point, it could expand in the future. Wells Fargo also offers a helpful online educational resource called My FirstHome, which is a great place to start if you’re still waiting for your city to appear on this list.

Also to note: Each grant opportunity may offer special benefits to military members, veterans, police officers, teachers, firefighters, and emergency technicians; full details are linked off each individual NeighborhoodLIFT grant page.

Dreaming of Buying a House? Here’s Our Best Advice

Even if NeighborhoodLIFT isn’t operating in your area, there may be other nonprofits and programs offering down payment assistance grants. Reaching out to your local housing authority is the best way to learn about all the available options.

If you’d consider purchasing property in a rural area, you may qualify for a USDA loan. You don’t have to be a first-time home buyer to qualify, and most of them require only a low (or no!) down payment.

If you’re not in a hurry, you might want to wait until you can skip the mortgage altogether and buy a house in cash — yes, it’s possible, even for young families on a fairly low income.

Finally, don’t forget: There are exceptions to every rule. Depending on your circumstances, it may actually make more financial sense to keep renting, at least for now. Here are some factors to consider if you’re still making up your mind between buying or renting.

Jamie Cattanach (@jamiecattanach) is a writer whose work has been featured at Fodor’s, Yahoo, SELF, Ms. Magazine, the Establishment, Roads & Kingdoms and other outlets.

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



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الأحد، 14 أكتوبر 2018

Get Your Home Business Off the Ground with Yahoo Small Business

Sponsored by Yahoo Small Business When I talk to aspiring entrepreneurs, three of their biggest challenges to getting started are lack of money, time, and the technical side of launching. Which I can so relate to. Back when I was researching how to set up a website, I was overwhelmed and confused. I had no […]

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Four Steps You Need To Take NOW To Save On Holiday Gifts

There are many advantages to doing your holiday shopping before the holiday "sales" pop up. Discover 4 simple steps to lowering your overall holiday stress.

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Illegal Things Landlords Do – and What You Can Do About It

I count myself lucky that I made it through four decades of life without a bad landlord story.

Over the years, I’d heard countless tales from friends about their landlord nightmares, some of which ended in small claims court.

But I still maintained a naivete about landlords that was based mostly on my inability to understand wanting to blatantly rip off another human being who’s been a good tenant, simply to fatten your own bank account. Yes, I’m that naive. (I believe in karma, too. Call me crazy.)

My own run of good landlord luck ended with what I hope will be my last landlord. Ever. I recently moved into a home of my own – no small feat, particularly as a single mother living in California, one of the priciest states in the country.

After I moved out of the condominium I’d been renting for three years, my landlord took more than two months to return my security deposit. And he only returned the money after I emailed and texted him numerous times citing California law, under which deposits are to be returned within 21 days of the property being vacated.

His failure to return my deposit in a timely manner was just part of the struggle. My landlord also charged me for repairs to items I could not have possibly damaged on my own. (Like a warped door that needed to be sanded. I’m not Superwoman; there’s no way I can personally warp a door — my superpowers are not that strong.) Yet when I asked him to explain why I was being charged for such frivolous items, he simply did not respond. Radio silence.

My landlord also told me that my pet deposit was “non-refundable” and never returned it. I later learned that if you call something a deposit in California, it should be returned when the tenant moves out, or the landlord must provide an explanation as to what damages the money is being used to cover. Simply calling a deposit non-refundable and pocketing the cash is not allowed.

With my own negative landlord experience now well behind me, I decided to track down a few experts and ask them how tenants can protect themselves against less-than-ethical landlords, and what remedies they have when faced with challenges.

Protecting Yourself as a Renter

As a veteran of the New York City real estate industry, Ben Landy has seen more than a few landlords take advantage of tenants, particularly those in rent-regulated apartments. All of which inspired Landy to leave his brokerage job and begin fighting on behalf of tenants.

Unfortunately, landlords unjustly keeping a security deposit happens all too often, says Landy.

“Security deposits are a huge issue I hear about all the time. Landlords are in it to make money and they’re not going to write you a check so simply,” he explains. “And most of the time it’s a David and Goliath battle.”

In case there’s any question, Goliath is the landlord in this scenario. But there are a few proactive steps tenants can take to minimize challenges surrounding a security deposit.

“When you first move into an apartment, take pictures and document the condition. And as you’re surrendering the property, take pictures again. If there’s a dispute, you can prove how you received the apartment in the beginning,” said Landy, who founded Lease Buyout Advisors after leaving his brokerage job. “Nowadays, with iPhones and technology, it’s worth documenting everything with pictures and also in writing, so it can’t be disputed.”

Jonathan Stein, a California consumer law attorney, also suggests going out and buying a newspaper and including it in those move-in and move-out photos, so there’s no doubt about when the images were taken.

“As you walk through the empty unit, put that newspaper in every picture,” said Stein. “With digital pictures these days, the date that a picture was taken can be tweaked fairly easily. But I have yet to meet someone who can print a newspaper in advance.”

Once you give notice that you’ll be vacating a rental, request a walk-through in writing. And that walk-through should take place at least 10 days to two weeks before move-out day.

“That way, if there are any issues, there’s time to fix them,” said Stein. “Having a walk-through the day before you move out does no good for anyone.”

Familiarize Yourself with the Laws in Your State

In addition to documenting a rental’s condition to avoid security deposit challenges, it’s important to arm yourself with knowledge. I had no idea it was illegal to call a pet deposit non-refundable. I hadn’t done my research ahead of time and simply accepted my landlord’s explanation.

“First and foremost, anyone who’s even considering renting an apartment needs to do his or her due diligence and have a solid understanding of the landlord-tenant laws in that state,” said Emile L’Eplattenier, chief real estate analyst for TheClose.com.

Most states have real estate divisions or landlord-tenant groups that can explain the laws in plain English, added L’Eplattenier. Additionally, it’s important to understand that no matter what your lease says, clauses that violate state law are never enforceable when push comes to shove.

Entering the Premises Unannounced

Among the most frequent complaints of tenants (behind not getting a security deposit back) is a landlord entering a property without notice.

The terms and conditions under which a landlord may enter a rental vary from lease to lease and from state to state. Most states require a landlord provide between 24 hours and two days notice before entering. Some states however, simply require “reasonable” notice.

In all states, a landlord or manager is allowed to enter rented premises while the tenant is living there without advance notice in an emergency (think: fire or serious water leak).

However, if a landlord does not follow state law or the guidelines set out in your lease, in theory you’re entitled to damages, said Stein.

“But in reality, unless you can prove some sort of harm, judges don’t really want to see those types of cases,” Stein explained. “They view filing a case like that as a nuisance. If a landlord forgets to provide notice and comes into the house, if that’s the only thing the landlord has done wrong, then call the landlord and let them know they did something wrong.”

Shutting Off Utilities

In some cases, the utilities for a rental property may be in a landlord’s name and paid by the landlord each month. It should go without saying that a landlord not paying utility bills and allowing lights or heat to be shut off is frowned upon.

“It’s illegal for your landlord to shut off your utilities even if that individual is the one paying for them,” explained Shawn Breyer, of Breyer Home Buyers, a company that buys and manages rental properties.

If you find yourself in this situation, call the local code enforcement agency. When the lease states that the landlord is responsible for the utilities and the landlord shuts them off during the tenancy, it’s a code violation and against the law, Breyer said.

Refusing to Make Repairs

Property repairs can be expensive, so many landlords are not exactly eager to do them. But that doesn’t mean a landlord can entirely ignore your requests on this front.

“When it comes to fixing a maintenance problem in a rental, states have very specific laws. There are two categories of maintenance issues – emergency and non-emergency,” said Seth Stephens, sales director for Renters Warehouse. “If an emergency situation is not handled in a timely manner, the laws give tenants clear recourse for how to handle the situation. If the matter is a non-emergency situation, the state also has specific guidelines for completion. It’s important to know your state’s laws so that if an issue pops up, you know your rights.”

Breyer also suggests recording needed repairs with photographs.

“Always take pictures of the issue and email it to your landlord so that you have documented proof,” he said. “If your landlord does not take reasonable action, meaning they’re not getting quotes and scheduling repairs, then it’s a good idea to report the needed repairs to your local code enforcement agency. They will come out to the property, assess whether it’s a code violation, and fine the landlord.”

The Bottom Line

One of the best ways to avoid landlord hassles is to develop a good relationship with him or her, advises Stein.

“That resolves a lot of the issues,” he says. “If you have relationships with people, you can work through a lot of these problems.”

But trust me when I say, I had a great rapport with my landlord for three years. It didn’t make any difference in the end. Your best bet is to be armed with knowledge and evidence.

And even Stein admits that, despite a tenant’s best efforts, you might never see your security deposit again once it’s surrendered to a landlord.

“I typically tell people: When you’re going to rent, make sure you have enough money put away that you can pay the security deposit when moving in, and assume you’re not going to get it back,” he said.

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. 

More by Mia Taylor:

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5 Steps That Will Save You Serious Money Every Time You Shop at Walgreens

السبت، 13 أكتوبر 2018

Halloween can mean monster profits for Pocono businesses

Despite the popular phrase pertaining to Christmas, for many people Halloween is the most wonderful time of the year.With Americans expected to spend $9 billion on the holiday this year, local businesses, large and small, are coming up with creative ways to cash in on the Halloween fandom.“There’s a huge market for it and people don’t realize it. Everyone loves spooky,” said Katie Wenninger, owner of Katie Kakes Bakes. “Who doesn’t love [...]

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Principles

Back in February, I answered a reader mailbag question about principles, in which I said I was working on an article that was simply a list of the guiding principles in my life, both financial and otherwise. I didn’t really know if I would publish it on The Simple Dollar or elsewhere – in all honestly, I didn’t really know if I’d ever complete it.

After that reader mailbag question was posted, several readers wrote in and strongly encouraged me to write the article anyway, so I started by writing down a big list of the principles I try to live by. I kept adding and editing and changing and cutting and combining … a process that I would probably keep doing for the rest of my life.

I have always admired John Perry Barlow’s list of 25 principles of adult behavior, and so I decided to use that as a model and try to trim my list down to the same number. I’ve finally reached a point where I’m reasonably happy with the list, so I’m sharing it with you now, on a Saturday, as I suggested that I would several months ago.

These are 25 principles of life I hold most dear. I don’t always follow them, but when I’m at my best, I do. I hope that my friends and family will always call me out when they see or hear me falling short.

1. Don’t publicly hold a viewpoint unless you understand and can explain the principles behind it, those principles are consistent with your other viewpoints, and you have supporting evidence for that viewpoint. If you cannot authentically say that you have all three elements in place, don’t share your viewpoints publicly. You can most certainly talk them through with friends who you trust to debate you and help you refine your views, but don’t share them publicly.

Why? Any viewpoint you share where you don’t fully understand the principles behind it is going to be eventually exposed as unprincipled and reflect on you as unprincipled and on the view you’re sharing as being unprincipled. Any viewpoint you share that doesn’t share consistent principles with your other viewpoints will show you to be hypocritical. Finally, any viewpoint you share that you can’t support with real evidence will make the viewpoint appear very weak and make it appear as though you’re sharing fiction and treating it as fact.

Most online discourse fails in at least one of these three regards. It’s often because of those failings that the discourse turns negative, because people assume that people sharing viewpoints without consistent principles and evidence behind them are bad actors. If you want to share your ideas but don’t want to be seen as a bad actor, understand the principles, stick to those principles across your viewpoints, and have evidence for your perspective. If you can’t or won’t do that, don’t say anything at all unless you’re perfectly fine with being mistrusted or being seen as a bad actor.

2. An examined life is a better life. Floating through life without any form of self-examination is actually easier for a while on a day-to-day basis, but you’re just like a boat floating on the river. You might be in pleasant waters for a while, but eventually you’re going to drift into rougher waters and be swept away.

Self-examination – figuring out what you value and where you want to go – is like being able to row into better waters and putting down an anchor when you get there. Sure, it’s a little more work, but you’ll end up firmly in a good place and won’t drift into trouble.

Spend some time each day in honest self-reflection. You’ll never regret it.

3. You are better off handling challenges now and saving resources for the future, because your future self is rather unreliable. The more you rely on your “future self” to take care of something, the less likely it is to ever take place. You are almost always better off bearing that burden now than later, because your later self is almost always going to be in a more difficult situation than you’re in right now.

Your “future self” is likely to have lower energy. Your “future self” is likely to have worse health. Your “future self” is at least somewhat likely to have worse employment opportunities. In other words, your “future self” is very unlikely to be able to handle additional burdens.

The solution? Take care of it now. Save for the future now, not later. Handle responsibilities now, not later. You know what your situation is now. You don’t know what it will be later, but the odds are that there will be more obstacles later. Carry the burden now while your shoulders are strong so that you’re not weighted down later on when your shoulders might not be quite as strong.

4. Love and trust by default until that love and trust is violated. It’s almost always a net benefit to extend love and trust to individual people in your life until they violate that love and trust. Most of the time, the violation of that love and trust actually costs you very little, but sharing love and trust tends to gain you quite a lot.

Lend out things and simply say “Return it when you’re done with it.” Listen to someone’s problem with just your ears while keeping your mouth closed. Help someone you barely know in their true moment of need. These things will cost you little, even if they never are reciprocated or if the item is never returned. However, they gain much – they plant seeds for strong relationships throughout your life.

Going through life with your shields up and no trust or love in your heart makes it hard for others to love or trust you.

5. Block off time for the important things in your life. Don’t just assume you’ll have time for it. “Important” does not mean the same thing as “urgent.” A day spent fishing with your kid isn’t “urgent” but it’s “important.” A few hours spent reading a powerful book isn’t “urgent” but it’s “important.” An afternoon making an amazing surprise for your wife isn’t “urgent” but it’s “important.”

Block off time for these things. Literally go to your calendar and clear space for them. If you “can’t,” then it’s time to jettison some of the relatively unimportant but somehow very urgent things that are filling up your schedule. Figure out what’s least important and step back from it a little to make room for more important things that merely happen to be a little less urgent.

6. Wake up thinking about how you’re going to be a great person today and how today’s going to be a great day. Don’t wake up dreading the day, because if you do, today will be drudgery. Instead, wake up thinking about how today is an opportunity to move forward on the things you want in life. Today is a day where you’re going to do something deeply fulfilling. Today is a day where you’re going to be able to sharpen your skills or put them to work. Today is a day where you’re going to be the best person you can be. Tell yourself these things with great sincerity and force. Believe them, and then make them happen.

Those thoughts won’t suddenly transform your day into something amazing, but what they will do is raise your own behavior and interaction with the world a notch or two, and that will often raise everything else a notch or two. Doing that consistently changes the trajectory of your whole life.

7. You can always make more money. You can’t make more time for important things. Don’t let your efforts to make more money stand in the way of the reasons why you’re making that money. You might want to make money to make a great childhood for your child, but that child will only be young once and that child needs you more than they need stuff. An opportunity at work might seem like a financial risk – big upside but also big chance for failure and loss of income. Take that risk. Even if it fails, you’ll learn way more that way than just playing it safe, and you can use that knowledge to make more money.

Make time for your loved ones, for your friends, for making yourself a better person. Find that time by getting rid of the wasteful time use in your life. Nothing worthwhile in life was gained by watching SportsCenter or Real Housewives.

8. Don’t regret your mistakes or feel bad about them or assume they make you a bad person. Just learn from them so that you don’t repeat them. You’re going to mess up. It’s part of being human. Don’t dwell on how badly you failed. That won’t help you avoid repeating those mistakes going forward. It won’t help you become better.

Instead, use your past mistakes solely as a lesson on how to avoid repeating them. What did that mistake show you about your behavior? How did you make that mistake? What can you do differently going forward so that it doesn’t recur? That’s the sole value of a mistake, to forge yourself into something stronger, today and forever.

9. Don’t badmouth people. It’s never worth it. If you wouldn’t say it directly to their face, don’t say it. Don’t waste your time speaking negatively of someone else. If you’re in a situation where you must criticize someone, then do it in a way that you wouldn’t hesitate to do to their face. If you would even hesitate to do that at all, don’t do it.

In general, the only situation where harsh criticism has any value at all is when given in private, one on one, to someone that you value. If you’re offering up criticism or badmouthing outside of that, do it with extreme caution, because it’s very likely you’re making a bad move that will reflect much worse on you than on the person you’re criticizing.

10. When you screw up, apologize sincerely and admit your fault. We all make mistakes. We all mess up. It doesn’t feel good, though, especially when we show those mistakes and flaws to others. We don’t want to show that we have flaws. The easy way out, then, is to just find someone to blame for it, or else to walk away from a mistake and not take responsibility for it or claim it in any way.

Just because that seems like the easy way out to you, however, doesn’t mean that it’s the right thing to do, nor does it mean that others don’t see right through it and see you turning one mistake into two. Not only do you make mistakes, but you don’t have the courage of conviction to own up to them and try to fix them.

The best solution when you make a mistake is to apologize for it, own up to it, and admit your own fault. You are imperfect. It is okay. We all are. The difference is that you’re aware of it and don’t wish to turn one mistake into two. The difference is that you’re not a person who tries to put the cost of your mistake on someone else’s shoulders while others watch.

11. Your life doesn’t just belong to you. It belongs to all of the people in your life. Treat it accordingly. It’s easy to think of my life as being just mine, but it’s not. My life belongs in part to Sarah. It belongs in part to my children. It belongs in smaller parts to my close friends. Small bits belong to all sorts of people, including my readers. We all lift each other up and carry each other through hard moments and share in the good ones.

Part of that bargain is that I have a responsibility to take care of my life, to keep myself reasonably healthy, to keep myself out of trouble, so that I can continue to be a part of their life and they can continue to be a part of mine. My life doesn’t just belong to me, and to treat it as such denies the wondrous value of the parts of their lives that others share with me.

12. Happiness isn’t a goal to attain. It’s an outgrowth of being a good person and working toward something worthwhile. I view happiness as being much like beautiful flowers and vegetables in the garden of life. You can’t will them to grow – they don’t grow by wishes alone. If you don’t tend to the garden, a few flowers and vegetables might grow, but you’ll mostly have weeds.

If you want a life that sprouts a great deal of happiness, you need to tend to that life like a garden. You need to turn the soil, remove the weeds, and add compost. You do those things by trying to be a good principled person in all aspects of life, trying to build good relationships with people, and spending your time on meaningful things. Those form the healthy soil of a good life, and from that healthy soil will spring a great deal of happiness.

13. Money can’t buy happiness beyond a bare minimum level to meet one’s basic needs. That thing you’re thinking about buying won’t bring you happiness. The things that actually bring happiness can’t be bought on a store shelf. Happiness bubbles up from within and isn’t drawn out in any lasting fashion by the physical possessions of life.

Rather, it is drawn out by good relationships, by time spent on meaningful projects and tasks, by pushing yourself to achieve things that really stretch you. If you’re thinking of buying something because it will make you happy, don’t; at best, it’ll provide a quick short term burst of pleasure and then you’re right back where you started, except in worse shape because you don’t have that money any more. You’re not any happier, and you have fewer resources with which to build a free future.

14. Don’t worry about things you cannot change. Instead, worry about what you can change. Our lives are full of tons of things that we cannot change. We can’t change how other people behave. We can’t change national politics. We can’t change the weather. Getting upset about those things isn’t very useful at all.

Rather, look at what you can change and focus your energy there. You can’t change how people behave, but you can nudge the people in your life gently toward better choices. You can’t change national politics, but you can be an eloquent and principled example of your stances and maybe shift someone’s thinking just a little. You can’t change the weather, but you can be prepared for weather’s changes. Control what you can control and don’t waste emotional energy on what you can’t.

15. Build as many strong friendships as you can. A strong friendship is one where you can speak openly, explore ideas, and criticize each other without retribution and that you can reasonably rely on them for help when it’s needed. It is hard today to build that kind of friendship, but the benefits are incredibly worth it. Having a lifelong friend who you can trust in your moments of need and who you can speak openly to without fear of retribution or of lost reputation is almost beyond value, and the time spent building and cultivating those kinds of relationships is never time ill spent.

If you see the potential for this type of friendship, don’t hesitate to try to build it. It won’t always work out – in fact, it often won’t work quite how you want – but the sheer value of having that kind of friendship makes it worth the effort.

16. When you feel your emotions surging, particularly if they’re negative in any way at all, stop yourself. If you don’t you’ll almost always regret what you do next. Just stop. Check out of the situation for a while if you possibly can. If you can’t, simply count to ten slowly before saying anything and, if anyone asks, say that you’re thinking it through.

Speaking and acting when you’re feeling a surge of emotion – particularly a negative one – is almost always going to get you in trouble. Often, it’s a situation where you’re going to violate your other principles simply due to emotion, not to reason. You should avoid that type of situation at all costs.

17. When someone goes out of their way to help you, thank them sincerely. You can never go wrong with a handwritten note. Doing this serves two distinct purposes at once.

First of all, thanking someone provides positive social encouragement for that person to actually go the extra mile to help others, including yourself, again in the future. It encourages an economy of giving and trusting and helping, which we all benefit from.

Second, it forces you to consider and appreciate the effort that someone else has put down for you. Often, this is an extremely valuable gift – someone has helped you and benefited you at a cost to themselves with no direct benefit. The least you can do in return is appreciate that gift.

Furthermore, when you reflect on and appreciate help, you begin to realize the true secret behind helping others – it’s usually a huge benefit multiplier. Almost always, when you’re extending help to someone, you’re turning something very difficult for them into something rather easy for you.

18. Shut your mouth, listen, and don’t just think about the next thing you’re going to say. When someone is speaking to you, don’t spend the time that they’re speaking simply thinking of the next thing you want to say. Instead, listen to what they’re saying. Intentionally try to follow their thoughts and their line of reasoning.

Doing so is not only supremely respectful, it’s also clear to the person speaking that you’re offering them that respect. Furthermore, focusing on listening to someone else often clarifies what’s being said and provides far more useful information to you than simply jumping ahead of them with your own thoughts. You almost never lose by simply focusing on listening rather than planning your next statement in the conversation.

19. When in doubt, ask a question. Even if you sound foolish. It’s almost never a bad idea to ask a question when there’s a lull in a conversation or you don’t know what to say next. Not only does it relieve you from having to come up with something worthwhile to say, it prompts the other person to start talking about a particular topic. Even better, the other person usually feels good about it, because it indicates an expression of interest in them or in their thoughts.

Not only that, you can use questions to get information that you want to know and things that are valuable to you. If you’re at a new place, ask questions about the venue or the other people there. If you’re learning something new, ask about the topic at hand. If you want to get to know the person better, ask questions about the person. Asking questions is an incredibly valuable tool.

20. When in doubt about buying something, leave it on the shelf. Unless you are dead certain that something is a worthwhile idea and you’ve given it some thought in advance, you should just leave items on the shelf and not buy them. If you really, really think it is worthwhile, give that purchase some genuine thought as you go elsewhere in the store and circle back to it later.

That genuine thought should include consideration of whether you’d actually use the item enough to make it worth the cost (in terms of both money and space), whether or not you already have things that basically fulfill the same or similar use cases, and how often you would really use the item. If you can’t make a strong honest case for the purchase, keep your money. You’ll end up feeling glad that you did.

21. Put aside time each day for play. Play simply means something you’re doing for the genuine joy of doing it. It does not mean filling time. By “play,” I mean consciously and actively engaging in something that you’re doing solely for enjoyment. I don’t mean passive engagement, either; flopping on the couch and turning on a random channel is passive, as is flipping absently through a magazine or through social media or through a website.

In fact, it’s a good idea to set aside at least a little time every single day for some sort of hobby or activity you’re choosing to do solely because you enjoy doing it (and not just as a “time fill” or “veg out time”). Block that time off and make it sacrosanct. If you simply can’t find time for a brief block of uninterrupted avocation time in your life, you need to cut back a little on your other commitments (or else get your ability to focus under control) or you’re heading for a brick wall.

22. Learn something every day. Laugh every day. Cry every day. Sweat every day. This was originally borrowed from a well known speech by Jim Valvano, in which he encouraged people to learn something every day, laugh every day, and cry every day, because that makes for a truly full day. I added “sweat every day” to that list.

Simply doing those four things each and every day constantly exposes you to the variety of human experience, as well as a variety of things that encourage mental and physical health. You’re going to simply have a better life if you do those four things every single day.

23. Be as patient and kind with the people in your life as you would like them to be with you when you’re struggling. This is just an extension of the “golden rule,” which is a central tenet of my life, but I’m extending it to the two areas that are often really hard for people to do. Being patient and kind to others can be quite hard, yet we always want others to be patient and kind to us.

Work at it. It’s not always easy, and it’s often much easier to simply not be patient and to not be kind. Remember, always, that in your difficult moments, you want patience and kindness from others, so extend it yourself as often as you can.

24. Everyone you see is struggling with something you probably don’t see. Remember that and act accordingly. This overlaps with the previous principle, and it’s a conscious tool to use to remind yourself to extend things like patience and kindness to everyone. The people around you are almost always struggling with something, even if you don’t see it. They have worries and aches and pains and distractions, just as you do, even if everything seems great from the outside.

Remember the pain you don’t see, and act accordingly. Extend patience and kindness, not to the exterior shell, but to the interior person that’s worried and distracted and hurting, the side that they’re working not to show to the world.

25. Spend some time each day planting trees that won’t blossom for twenty years or more. Buy a cup of lemonade from a child’s lemonade stand. Donate some food to the food pantry. Write a letter to the adult version of your newborn son. Put some money away for retirement. Literally plant a tree.

Do things today that won’t pay off for years and years, and likely won’t pay off in ways that you see. What you’ll find is that way down the road, there are all kinds of little things that blossom up in life that make things so much more wonderful, not just for you, but for the people in your life and, often, in the lives of people you’ve lost contact with or will never meet. Not only does the planting feel good, so does the daydreaming about what will blossom down the road, and then it feels incredible when it actually does happen.

As I said at the start of this article, I try my best to live by these principles, but I’m far from perfect at them. My goal is to continually try to live up to them, and I hope my friends call me out when I fall short.

Good luck.

The post Principles appeared first on The Simple Dollar.



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How This Couple Made $332K Worth of Debt Disappear While Raising 4 Kids

الجمعة، 12 أكتوبر 2018

Dollar Tree and Family Dollar Plan to Hire 25K at Oct. 17 Hiring Event


The chain of discount stores known for saving everyone a few dollars is looking to put dollars in people’s pockets.

Dollar Tree, Inc. is hosting its third annual nationwide hiring event on Oct. 17 with plans of hiring 25,000 new associates.

Interviews will be held at every Dollar Tree and Family Dollar store in the U.S. from 10 a.m. to 6 p.m. local time. The company currently has over 15,000 locations and can be found in all 48 contiguous states.

Both full- and part-time roles are available, including positions such as store manager, assistant store manager, cashier and stocking associate. And, of course, the company is jumping on the seasonal hiring train, so temporary roles for the holidays are open.

The job listings don’t specify pay rates, but Glassdoor offers some insight: Store managers earn an average of $44,806 a year, assistant managers earn an average of $41,205 a year, and cashiers and stockers earn an average of $8.00 per hour.

The company’s benefits program includes a 401(k) plan, medical plans, paid time off, a wellness program, life insurance, disability insurance and an employment assistance program aimed at maintaining a positive work-life balance.

A Dollar Tree press release says there is potential for new employees to be promoted into a higher role later on, adding that in 2017 nearly 40,000 associates moved up the company’s  ladder.

This is a one-day only hiring event, but don’t get too stressed if you can’t make it in person. Interested applicants can also apply online at www.dollartree.com/careers or www.familydollar.com/careers.

If you do plan on attending the event, here are some tips on how to stand out from the competition. And while you’re there, maybe pick up some cheap, Halloween goodies so you don’t find yourself in a decimated candy aisle at 8 p.m. on Oct. 31.

Kaitlyn Blount is a staff writer at The Penny Hoarder. Read her full bio here.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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



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That’s a Latte Help: Starbucks Offers Employees Backup Child and Adult Care


Starbucks has sweetened the brew of benefits it’s serving employees.

The java giant announced its Care@Work program, which includes 10 days of subsidized backup care for children and adults through Care.com.

Employees will pay $1 an hour for in-home child or adult care and $5 a day per child for a daycare center.

After using 10 days, employees will pay full cost for all Care.com services, which also include pet-sitting and housekeeping.

All Starbucks employees receive a free Care.com premium membership, worth $147 annually. That membership provides access to caregivers and references, as well as background checks for an additional charge.

Additionally, employees will receive free access to senior care planning, with professional guidance for those navigating long-term caregiving, housing and legal concerns for elderly family members.

The Care@Work program went into effect on Oct. 9 and is available to all employees upon hire.

Starbucks has taken the benefits route in the escalating war for workers. Earlier this year, the baron of baristas announced an expansion of its paid family leave for hourly workers to six weeks for non-birth parents as well as the creation of a sick-time policy that lets employees accrue hours to either be used for personal sick days or to care for family members.

Child care could be a deciding factor for many parents when choosing a job. Over 1,200 parents with children under age 6 responded to a Penny Hoarder survey in July, and 95% of those we surveyed said they felt overwhelmed by the cost of child care.

And elder care benefits are becoming a priority as more than 40 million Americans who provide unpaid elder care, according to the Bureau of Labor Statistics.

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder. She covers benefits, invisible jobs and work-from-home opportunities. Read her bio here or catch her on Twitter @TiffanyWendeln.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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



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Sam’s Club Is Offering Free Health Tests Saturday, No Membership Needed


Four times a year, Sam’s Club offers free health screenings that ordinarily would cost $150 — no club membership required.

Saturday, Oct. 13, is the date this quarter.

Available tests include blood pressure, body fat percentage, blood glucose, total cholesterol, HDL (good cholesterol) and, in some locations, vision and hearing screenings.

The tests are available only at stores that have a pharmacy, and they run from 11 a.m. to 4 p.m. Search for a club that’s convenient for you.

If that date isn’t good for you, CVS is offering similar screenings through Dec. 16 in 11 metropolitan areas. As a bonus, the drugstore chain is handing out a $5 store coupon to each person who gets screened.

You’ll save money on the tests, but you could save even more if they uncover health problems that can be treated earlier and less expensively than if you wait. Among them are high cholesterol, heart disease and diabetes.

Did we mention that they’re free?

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

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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



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This is Why It’s Smarter to Buy Halloween Makeup at Ulta Than a Party Store


I’ll tell you this right now: Halloween is not my holiday of choice.

I usually spend the weeks leading up to Oct. 31 being a grump and refusing to dress up. Then, a few days before, I start feeling left out and just want to go to the party, so I piece something together.

It always ends up being expensive.

And I feel like a fool in a scrappy costume while everyone else is dressed as a clever pun with Pinterest-worthy makeup.

Not this year, my friends.

Although Halloween is on a Wednesday, I will be prepared — and I refuse to spend too much money.

A co-worker (who is a lot more makeup-savvy than I am — thanks, Kelsey) recently let me in on a secret: Buying “real” Halloween makeup at a cosmetic store like Ulta is actually a lot smarter than going to Party City for the “cheap” costume stuff.

No way, I thought. But, lo and behold, it really is a smarter decision. Here’s why.

1. “Real” Makeup Is Cheaper

This is where I was hung up. I know how much the little bit of makeup I wear costs, so the idea of buying legit makeup over the costume stuff didn’t seem like it’d be cheaper.

But you really can find cheaper Halloween makeup alternatives at Ulta — both in-store and online.

Plus, you can apply some hefty savings to your order if you know what you’re doing.

For example, you can get free gift cards to Ulta by taking surveys through Swagbucks (which will also give you $5 to get started).

Once you’re in, buy an Ulta gift card and shop Ulta through the platform. You’ll earn two Swagbucks (SBs) per $1 you spend. You can exchange SBs for gift cards.

For context, 2,500 SBs equate to a $25 PayPal gift card, good for all your online shopping pleasures.

However, as it turns out, many of the costume basics are a lot cheaper if you get them from somewhere like Ulta.

I compared a few items and their prices:

Fake eyelashes:

  • Sultry False Eyelashes: $4.99 at Party City
  • Ardell Glamour Multipack (of four sets): $11.99 at Ulta, totaling about $3 per set

Lipstick:

  • Gold Glitter Lipstick: $2.99 at Party City
  • Makeup Revolution: $2.49 at Ulta

Eyeliner:

  • Black Shimmer Eye Liner: $3.99 at Party City
  • Essence Kajal Eye Pencil: $1.49 at Ulta (also available in white)

Self-adhesive face jewels:

  • Adult Sea Siren Mermaid Makeup Kit: $9.99 at Party City
  • Lottie London Mermaid Self-Adhesive Jewels: $5.49 at Ulta (online-only)

Setting powder:

  • Colorless Setting Powder: $3.99 at Party City
  • E.L.F. Prime & Stay Finishing Powder: $2 at Ulta (online-only)

Bonus: Here are seven other ways you can save money at Ulta.

2. “Real” Makeup Is Better Quality

One year in middle school, I decided to be a clown for Halloween… Lord knows why.

I hate clowns, and my face was covered in paint, which caused my already acne-prone skin to freak out. I think there’s one photo of the incident floating around somewhere…

When I dressed as a scarecrow a few years back, my face was not happy with the swirls of red paint on my cheeks. Also, the red paint refused to come off — even with makeup remover — so going to class on Monday was an adventure.

One of the perks of using “real” makeup is the quality. The likelihood of your skin having an adverse reaction to the product is probably lower. Plus, the real stuff is usually built to stay on all day, so it’ll be less likely to slime off during your rowdy night.

3. “Real” Makeup Stores Better (and You Can Use It Again)

I held onto that red paint palette I purchased for my scarecrow costume, because it felt like such a waste to use the tiniest bit and toss it.

Moving out a few months later, I stumbled across it. It was totally dried out.

When you purchase legitimate makeup, it’ll store better — and longer. Actually, depending on the product, it’ll probably be fine until next year.

There’s also more of a chance you’ll use eyeliner than black face paint on any other regular day.

4. “Real” Makeup Has More Options

At Party City, you’ll probably find limited options for Halloween makeup. You’ll see the white face paint, the palette of clown colors and maybe two colors of lipstick.

The nice thing about opting for makeup from a place like Ulta is you have so many options. You’re also not locked into buying the five-pack of eyeshadows, for example. You can probably find a singular one you actually need (and will use again).

Plus, did you see all those lipstick options? Black? Green? Purple? Neon yellow?!

The best part is you don’t risk running into someone who used the same pre-packaged kit as you. You’ll be unique. And, really, that’s all that matters on Halloween — because it’s awkward to run into someone dressed the same darn way.

Carson Kohler (@CarsonKohler) is a staff writer at The Penny Hoarder.

 

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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



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How to Increase Your Brand Exposure in 2018 with Public Relations

How are you managing the reputation of your company?

If you are struggling to find an answer to this question, you may need to re-evaluate your strategy moving forward.

There are certain aspects of your brand’s reputation you have control over, e.g., the way you distribute content through your marketing channels and use website elements to add credibility to your website.

But a news story or a review of your product on a third-party site can be out of your hands.

Your public relations strategy encompasses all these scenarios.

Public relations, or PR, can help expose your business to new audiences.

Simply put, public relations is how businesses communicate with people.

There’s a common misconception about PR. Many business owners I work with don’t have a PR strategy.

They believe it’s only for companies that made a mistake, needing to run PR campaigns to issue apologies or make their businesses look better in the public eye.

While that would fall under the public relations category, that’s not the only reason why you would implement a PR strategy.

Your PR efforts will manage how you spread information. It’s part of your overall branding strategy, except it focuses more on your reputation and communication as opposed to things like your company slogan and logo.

In a digital era, information gets spread faster than ever. That’s why every business needs to have a public relations strategy in 2018.

It doesn’t matter how new or old your business is. Even if you’re trying to create an effective marketing strategy for your startup company, it’s not complete without PR.

I’ll explain everything you need to know about the basic concepts of PR and how it can help your brand gain more exposure.

Differences between PR and marketing

For starters, it’s important for you to be able to separate your PR strategy from your marketing strategy.

Don’t get me wrong: public relations and marketing are very similar. However, there are differences in the goals of these two departments.

marketing vs pr

For example, some goals of your marketing campaigns would be to drive more traffic to your website, get new email subscribers, or drive sales.

While you ultimately want your PR strategy to result in revenue, the primary goal of these efforts will differ from that of your marketing strategy efforts.

There isn’t necessarily a measurable impact on sales from public relations. It’s more of a big-picture strategy.

The goal of your PR efforts would be to improve the reputation of your business. You may already be doing this with things such as:

  • displaying customer testimonials
  • encouraging customers to review your products
  • leveraging social proof

However, these campaigns would be marketing-oriented.

To improve your reputation through PR, you’ll focus on things such as press releases and guest-speaking engagements at industry events. These are indirect strategies to promote your brand.

With a marketing campaign, you’d run a promotion on one of your distribution channels. Do you see the difference?

Ultimately, your PR efforts will still support sales.

main differences

People don’t always buy products. They buy brands.

That’s why PR is so important.

If a consumer buys your products as a result of one of your marketing campaigns, that person has already established a connection with your brand through your PR efforts.

Understand the different types of media

To keep things simple, public relations can be segmented into three main categories:

  • owned media
  • paid media
  • earned media

All three of these will help establish and build your brand reputation. This will help you get one step closer to achieving your goals.

I’ll go into greater detail about each one of these categories to give you a better understanding of how they work.

Owned media

Owned media is any piece of content your company has control over.

Although we are grouping owned media as a function of PR, it’s similar to your marketing strategy.

I’m referring to things such as your blog posts, social media content, and website copy.

For example, if you’re learning how to enhance your content by building infographics, this type of media is owned by you.

You control how it gets created. You control when and where it gets distributed.

Owned media will help improve your overall PR strategy. When someone hears about your brand from another source, you want to make sure the content you own is informative and drives them to convert.

Paid media

To improve the visibility of your marketing campaigns, you may consider using a paid media strategy.

Just as the name implies, this is when you pay someone to display your content.

Social media ads and PPC campaigns both fall into this category.

But for a PR strategy, you may want to consider using social influencers to increase your product credibility.

Influencer marketing has become increasingly popular in 2018.

influencer marketing

Incorporating a paid media strategy will help expose your business to a more specific group of people who fit within your target market.

This is more effective than content that’s distributed to everyone and anyone who just happens to turn on a local news station.

Earned media

Earned media is out of your control, at least to some extent.

Your actions, behavior, and the quality of your products and services are all within your control. If you can get those things right, your earned media should be positive.

However, you don’t have control over what’s said about your brand with earned media.

That’s the biggest difference between paid media and earned media.

paid earned

For example, let’s say your brand or one of your products is reviewed on a third-party website. That’s an example of earned media.

Customers saying positive things about you on social media is earned media as well.

But earned media can also be negative.

Let’s say you did something wrong. In this case, you probably won’t be bragging on your website about your mistakes. That’s not something you’d highlight in your owned media content.

But if a news channel picks up that story and writes an article about your company on its website, it could give people a negative perception of your business.

That said, there’s an old saying I’m sure you’ve heard before:

“There’s no such thing as bad publicity.”

I can’t say I agree with that statement 100%, but don’t let one mistake discourage you too much. Your other PR efforts can still improve your reputation and increase your brand exposure.

Inbound public relations

I’m sure you’re familiar with inbound marketing.

This helps you reach customers through campaigns related to SEO, branding, social media, and content marketing.

But what about inbound PR?

You may have heard of it although you may not be very familiar with it. The concept and application of this term are actually quite simple.

With inbound marketing, you’re targeting customers. That’s not always the case with inbound PR.

Inbound public relations focus on media outlets. Here’s a visual aid to explain the inbound PR methodology:

inbound PR

As you can see, strategies targeting consumers and media outlets involve many of the same marketing channels and types of content.

In the past, I’ve explained how to develop a customer persona that improves conversion rates. You can apply the same concepts to creating a media persona.

Now, you just need to tweak a few things based on whom you’re targeting.

For example, let’s say you’re a local business owner. To help give back to your community, you make a donation to sponsor an event at a nearby high school.

You’re doing this to be charitable, but you also want some recognition for your donation.

In addition to sharing this information on your website, you could make the announcement at an event where you know a local news station would be present.

This increases the chances of getting the story picked up, which will give you positive PR.

Instead of focusing on repeat customers, as you would with inbound marketing, you want to focus on repeat publishers. This makes things much easier for you.

These are the media outlets that will continue running positive stories about your business.

Measuring PR goals

As I said earlier, it’s tough to see the result of your PR efforts with metrics such as sales.

But you can still use attainable goals to see if your public relations campaigns are working.

One of the first things you should do is track your brand mentions.

A brand mention occurs whenever someone talks about your business. This is a form of earned media.

Just because someone mentions your company doesn’t mean they’ll provide a link to your site. You do want that if the mention is positive.

Consider using a tool such as Mention to help you keep track of your brand mentions.

mention

In addition to helping you see what people are saying about your brand, products, or services, Mention can also connect you with potential influencers.

This tool is used by PR agencies, but it also has options for business owners. You can manage your PR efforts in-house instead of outsourcing them.

A mention of your brand may not be a good thing.

You need to take the time to review what people are saying. Sort out the positives, and use this to your advantage.

Reach out to certain websites talking about your brand to help you consistently build backlinks to your website.

With these backlinks, the earned media audience will be able to navigate directly to your site. The combination of more traffic and backlinks will improve your SEO ranking.

You also need to measure your website traffic.

Track new customers.

All these metrics will help you determine whether your PR strategy is working or whether you need to go back to the drawing board.

Responsibilities of a PR manager

Whether you’re looking to hire someone new or promote an employee from within, you need to know what a PR manager does on a daily basis.

For starters, a good public relations manager needs to have outstanding communication skills. That’s because they will be the voice and face of your company at times.

It’s common for the PR manager to be the one who speaks at events.

You should also find someone who has great writing skills. This person will write content, e.g., press releases of news related to your company.

It’s possible for you to use this person to write blog posts and other website content as well.

Find someone creative. And PR managers need to have strong research skills.

They’ll use tools, as I previously discussed, to find out what people are saying about your business. Then they’ll leverage that feedback to benefit your company.

The majority of businesses believe it’s hard to find new employees with the skills required to build and protect the reputation and credibility of their companies.

graduates

Even if your new hire has an MBA, it doesn’t necessarily qualify them to do the job of a PR manager.

We know 93% of business leaders say PR is just as important to their companies as every other type of communication method.

Whether you take on these responsibilities, hire someone, or delegate tasks to an employee, these are some of the things a PR manager would be responsible for:

  • write press releases
  • create fact sheets
  • send content to media outlets
  • provide media training to in-house staff
  • meet with external agencies or teams your company works with
  • analyze media content to leverage both owned and paid PR campaigns
  • attend industry events
  • represent the business at job fairs and trade shows

Make sure you find the right person to handle this job. Otherwise, your PR efforts won’t be effective.

Conclusion

Learning how to manage your public relations strategy properly can help improve your brand exposure.

While PR and marketing have many similarities, the two departments are not the same. It’s important for you to know the differences between these two strategies.

Understand how owned media, paid media, and earned media all have an impact on your brand reputation.

Use inbound PR tactics to target media outlets as opposed to consumers.

Track metrics that relate to your PR goals.

Part of having an effective public relations strategy means putting someone in charge of those efforts. You need to make sure that role is clearly defined in your company.

If your company is new to public relations, use this guide as a reference to help you build brand exposure.

How is your company leveraging owned media, paid media, and earned media to improve your PR strategy?



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12 Things I’ve Bought from Secondhand Stores in the Last Year

One of my favorite tips to hammer home on The Simple Dollar is the value of shopping at secondhand stores. About a year ago – I think I started the note last November – I started keeping track of things that I bought at the secondhand store with the goal of someday listing them in a post to give people the idea of what kind of value I find there, and today is that day.

In general, I don’t go to secondhand stores without a purpose, but I also don’t go there with a highly specific idea in mind. For example, I won’t go there if I don’t want anything, but I also won’t go there if the only thing that will work for my purposes is a blue long-sleeved shirt in a specific size. Rather, I’ll go there if I need to pick up a few summer shirts for my daughter.

Another example: I won’t go there if I absolutely must have a specific make and model of a small household appliance, but if any sort of slow cooker is fine, I’ll start at the secondhand shops.

To be clear, I use the term “secondhand shop” to include any store that sells used items. Goodwill and Salvation Army both fall into this category, as do places like Play it Again Sports and Plato’s Closet and local clothes consignment stores.

Here are 12 things I’ve bought at secondhand stores in the last year, how much I paid for them, and how they had a frugal impact on my life.

A couple of men’s dress shirts: This was one of several items I had in mind when I went “shopping” at secondhand stores last spring. I often find long-sleeved nice clothing in mid-spring, just as I often find short-sleeved nice clothing in mid-fall, because people often ditch a pile of clothing when they’re deciding what to keep for next year and what to get rid of. These shirts were in my size, very well made, and looked basically unworn, and they cost $10 each. Similar shirts aren’t found for less than $50 a pop.

Soccer cleats: My kids all needed some new soccer equipment, so we headed to a secondhand sporting goods store in the spring to pick up some items. We found a couple of soccer balls at a reasonable price, but the real find was a pair of soccer cleats perfectly in my daughter’s size at a good price. Kids outgrow cleats in just a season or two, it seems, so it’s kind of silly to buy them at full price. $15 for some Nike Bravata II cleats in really good shape was a buy I was very happy with.

A slow cooker: We already had a slow cooker, but when we were hosting a party, we found it would be useful to have a second one so that we could easily prepare two different soups and keep them warm as our guests arrived. I found one that was actually nicer than the one we already had for $3 at a Goodwill; it’s actually become our main slow cooker, while the other one has been relegated to situations where we use two. Believe it or not, we’ve actually had several situations since then where having two slow cookers has solved a logistical problem, so this has been really useful.

A couple of simple, small wall decorations for my office: For a long time, I knew the type of item I wanted to hang on my office wall, but I was just looking for the right one. This was very much a “know it when I see it” kind of thing. Surprisingly, I found the right thing at a secondhand shop that had a display of super inexpensive wall hangings.

A pile of boy’s t-shirts: My sons wear t-shirts everywhere we allow them to do so, and don’t really worry much at all about where they come from, so when I notice that they’re starting to run low, we’ll go to a secondhand store or two and I’ll let them pick out several of their choice. I veto ones that appear to be overly worn or have other issues, but we’ll usually go home with a wide variety of shirts that are in great shape in the $2 to $4 range. Why would I ever buy such things at a nice clothing store when these are perfect for their rough-and-tumble everyday wear?

A pile of used Dungeons and Dragons books: This was a serendipitous purchase. I found a pile of nearly mint condition D&D books, almost exactly like the ones I had when I was a teenager, for $0.99 apiece. In the condition they’re in, most of these books sell on eBay for $40 or more apiece, but I’m holding onto them for now because I’ve enjoyed reading through them for nostalgia’s sake, and it’s also made me want to play a little D&D with my kids.

A portable chess set: This was actually for my youngest son, who is a chess aficionado. I wanted a nice magnetic portable chess set so that he could set up chess problems on the board and look at them and think about them while in the car. He vastly prefers a physical board rather than some kind of chess app. The magnetic portable boards I’ve seen in the past that I thought would work well have been fairly pricy, but I found a perfect little one in the game section of a Goodwill store a while back for just a couple of dollars. I verified that all of the pieces were there and I happily bought it for him.

A bread machine: I should point out that I didn’t quite buy this at a secondhand store, but it’s close enough that I’ll count it here. I went to a few secondhand stores in the area looking for a bread machine and found one for $5 that seemed to work, but I was simultaneously talking to some people online about an upcoming family reunion event and I simply asked if anyone had a bread maker in their cupboard and one of them did and they just said I could have it, so I saved $5.

Since acquiring that bread maker, I’ve made at least 10 loaves of bread with it – if I had bought it for $5, the cost per loaf for the maker would have been $0.50, and thus, with the low cost of a few cups of flour, a bit of water, and a pinch of yeast and salt, I’ve enjoyed a lot of cheap homemade bread. The bread maker has sat in the back of the pantry when not in use.

Some discs for disc golf: A park within walking distance of our home has a free disc golf course, which I’ve enjoyed playing many times. I’ve used a friend’s disc set in the past and I’ve had a couple of discs of my own to use, but I wanted some different ones to try. However, good discs were prohibitively expensive – at least in terms of what I wanted to spend – until I saw a pile of them for a few bucks each at a used sporting goods store. Now I have several in my garage and that disc golf course has seen some more use.

Cheap clothes for a “zombie” Halloween costume: The goal was to find some clothes that we could mangle and get really dirty and rip up a little without worrying about the cost, so we found some pants and an old sweatshirt that were perfect for this for $2 each. We tossed them around in the dirt, rubbed various substances on them, and made them look as worn as possible. After that, we just added a bit of face makeup and suddenly we had a pretty convincing zombie Halloween costume.

A few older travel guides: I paid $0.50 apiece for these and picked up about six of them, in two separate visits to a used bookstore. These were a couple of years old, but they provided a great overview of some areas that Sarah and I are considering for summer vacations in the next few years. What I find fun about printed travel guides is that we can pass them around as a family and mark things that we’re each interested in in the area. With these, I’m going to give each family member a different colored highlighter and tell them to make a mark on, say, ten things they want to do on the trip, and that it’s a good idea to mark things other people have marked if you’re really interested because that will probably cinch that it happens.

A few dozen canning jars: I like to preserve foods, of course, but there are many other nice uses for canning jars, such as small item storage (think screws in the garage, for example, or a pen holder). I came across a bunch of completely unused canning jars with rings at a secondhand store for $1 per flat, which seemed like an absurdly good deal, so I picked up three of them.

Secondhand stores are wonderful places for picking up all kinds of useful things at very low prices. Just approach it with the right mindset – stop by when you have a few general things in mind that you might need – and you’ll often walk away happy.

More by Trent Hamm:

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