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الاثنين، 12 سبتمبر 2016

6 Small Business Grants for Women — One Pays Up to $40K

If I could develop the perfect product, I’d start a business.

It’d probably have to do with food. Ideas include low-carb chocolate, organic Slurpees or a wine-and-cheese package — you know, already paired.

However, I don’t have the money for that. Nor do I know anything about the food industry — but that’s not the point.

But maybe you have the time — and the perfect business plan — but just need some money to push you along?

Or do you have a business you’re struggling to get off the ground? Resisting a high-interest loan or giving part of the power to an investor (or Shark)?

Applying for a business grant might be your perfect solution. I wrote another post explaining the ins and outs of business grants and how they’re like free money.

Many grants cater to various demographics, and because I’m all about empowering women, I compiled a list of six grants for women-owned businesses.

6 Small Business Grants for Women

If you’re a woman who has a business or wants to start one, take a gander at these grants.

If the application window isn’t open yet, set a reminder. You’ll want to give yourself plenty of time to craft the perfect application and gain a competitive edge.

1. #Girlboss Foundation Grant

Awarded biannually to female entrepreneurs chasing their creative dreams — including design, fashion, music and the arts — the #Girlboss Foundation Grant honors forward-planning.

If selected by Sophia Amoruso and her committee, you’ll win $15,000 and business exposure through #girlboss channels and Nasty Gal.

Apply now to be eligible for next spring’s award. It’s free to apply, and you just need to enter the basics: name, contact information, a description of your project, the amount of money you need and an end goal.

2. The Amber Grant

Each month, a panel of judges grants a winner $500. Then, at the end of the year, one of the 12 monthly winners is eligible to win an additional $1,000.

The nice thing about this grant is you don’t have to use corporate language or fancy synonyms. Judges look for passionate and heartfelt ideas and businesses — from dog walkers to scientific investors.

Again, the application is easy: name, company and other basics. You just type a few sentences about your business, what you’d do with the money and any other comments you think will help set you apart.

Note the $7 application fee, but it’s totally worth the $1,500 if you win.

3. Eileen Fisher Women-Owned Business Grant Program

This grant’s namesake is a well-known fashion designer who has awarded $12,500 to up to five winners each year since 2010.

There are a number of qualifications to consider before applying. For one, you must be a women-owned and led business that’s operated for at least three years with revenue not exceeding $1 million.

Visit the website for all the details. Information for this year’s grant application has not yet been announced, so stay tuned.

4. Halstead Grant

This yearly grant is offered only to women in the jewelry-making business. The application period for this year’s grant recently closed, but it’ll be back next year.

The winner receives $7,500 and a $1,000 shopping gift card to Halstead, which sells wholesale jewelry supplies.

Other perks include a spread in its catalogue, a trophy (best part, probably) and a trip to the company’s Prescott, Arizona, headquarters. Five additional winners receive $500, and the top 10 receive $250 — so your chances might be good!

Keep an eye out for next year’s competition. The application is straightforward — basic information plus short- and long-answer questions.

5. Idea Café Small Business Grants

OK, so this isn’t solely for women-owned businesses, but the majority of the grant’s winners have been women, so it’s worth mentioning.

For example, Flour and Salt Bakery owner Brittany Buonocore was the grant’s most recent recipient. She owns a small bakery in Hamilton, New York, and will soon expand to a brick-and-mortar storefront.

This $1,000 grant is for anyone who creatively solves an everyday problem. It’s not an astounding amount of money, but it’s a great start, so keep an eye open for when the newest application is posted.

6. InnovateHER: Innovating for Women Business Challenge

This is a unique grant for woman-owned (or even man-owned!) businesses and is awarded to those producing innovative products and service that impact and empower women and families.

Past winners include an app to find babysitters, a program that delivers fresh ingredients to your door or a Bluetooth that looks like a designer bracelet.

And there’s a whole lot of cash at stake — $70,000. First place gets $40,000, second place wins $20,000 and third place takes home $10,000.

Dates for the next challenge haven’t been posted yet, but there are no entry fees, so don’t hesitate to apply.

If you’re hesitant to jump right in, look for your local U.S. Small Business Administration-sponsored Women’s Business Center. There, you can speak with a mentor about a variety of topics.

Best of luck, ladies!

Your Turn: If you could start a business, what would it be?

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. After recently completing graduate school, she focuses on saving money — and surviving the move back in with her parents.

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Moms Making Six Figures – What Does the Company Do and Who Are They?

Sponsored by Heidi Bartolotta Over the last couple of months, I’d heard of MomsMakingSixFigures.com, read a few articles and posts, and checked out the company’s website. While everything I reviewed seemed positive, I wanted more specifics with regard to what, exactly, the women behind this company did. So, I got in touch with the company’s founder, […]

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الأحد، 11 سبتمبر 2016

Two Tips for Dealing with Food Allergies on a Budget

By Katy DeDeyne

When you’re trying to make better financial decisions, one of the first areas to look at trimming back is food. From cutting down on dining out, to making a meal plan, to trying store brands, there are lots of ways to reduce the amount of money you spend feeding yourself and your family.

But when you add a food allergy into the mix, it gets a little bit more complicated. Specialty foods, like gluten-free products, are often priced at a premium — one study in Australia found that gluten-free options were up to 500% more expensive than those containing wheat.

In our family of six, two people are gluten intolerant. While they don’t have an allergy, realizing that they can’t eat certain foods meant figuring out a whole new way to eat food for all of us. Two things helped us adjust.

1. Keep it positive.

The best piece of advice I ever got was to focus on what you CAN have, not on what you CAN’T. So we started there. Meats, fruits, vegetables. Dairy, spices, other grains. Once we shifted our focus, there was quite a bit that we could still eat, and many opportunities to try new things that we hadn’t had before.

We could still shop the specials for meats and produce that were on sale. We could still keep a running list of pantry staples. They were just a little bit different than before.

2. Keep it simple.

Once we were comfortable with our new way of eating, I started to look at more than just the basic meals. What about brownies? Birthday cake? Muffins? But gluten-free baking can get pretty complicated. I’d click on a recipe that sounded yummy, and be immediately intimidated by the list of four flours and two thickeners in the ingredients list, and extra steps in the directions.

I knew there had to be an easier way.

I happened upon a recipe that mentioned substituting oat flour for some of the wheat flour to increase fiber. That benefit didn’t matter so much to me, but using oats intrigued me. So I ground up some of the oats that I had, and reworked a muffin recipe I found online. After a few adjustments, I knew I was onto something. I kept experimenting, and pretty soon I had a whole list of gluten-free muffin recipes using oats — like the one below.

Gluten-Free Muffin Recipes

Perfectly Peach Muffins
Makes 15-17 muffins

Ingredients:

  • 2 ½ cups old-fashioned oats, ground into oat flour (see notes below for how to grind your own)
  • ½ cup additional old-fashioned oats
  • 2 tsp. cinnamon
  • 2 tsp. baking powder
  • ½ tsp. salt
  • ½ cup butter, softened
  • ½ cup brown sugar
  • ¼ cup coconut oil, melted
  • ½ tsp. almond extract
  • ½ cup milk (or peach juice if using canned peaches)
  • 2 eggs
  • 2-3 peaches, chopped*

Directions:

  1. Preheat oven to 375ºF.
  2. In large bowl, mix all ingredients except peaches until combined. Fold in peaches.
  3. Scoop muffin batter into greased muffin pans, filling almost to the top of the pan. Bake for 20 minutes. Cool completely before removing muffins from pans.

*You can also use a can of peaches in 100% juice for this recipe, and replace some of the milk with the juice from the can.

Notes: To grind your own oat flour, simply measure the amount listed in the recipe into a blender or food processor. You may need to do this in batches – my cheap blender takes about a cup at a time. If you prefer to use pre-ground oat flour from the store, or want to make sure you have the right amount, one cup of oat flour weighs 3.75 oz. Half a cup weighs 1.85 oz.

Peaches & Cream Muffins: Prepare the recipe as stated above. In small bowl, mix 2 oz. room temperature cream cheese, ½ cup powdered sugar, and 2 Tbsp. milk. Before baking, add a small spoonful of cream cheese mixture to each muffin and stir slightly. Bake as directed above.

Raspberry Peach Muffins: Prepare recipe as stated above. Before baking, add 1 tsp. of raspberry jam to each muffin and stir slightly. Bake as directed above.

Making your own gluten free muffins doesn’t have to be complicated, and it doesn’t need to involve multiple ingredients or expensive equipment. Oats are one of the top 10 frugal foods, after all.

Even with food allergies, it is possible to rein in your food costs and stay within your budget. By focusing on the positives, and keeping it simple, you can find a way to still enjoy delicious food.

Katy DeDeyne is the wife of a pastor, whose ministry recently moved the family from northern Iowa to northern Oregon. She writes about food, homeschooling, parenting, and home management at http://ift.tt/25PmisJ. Her cookbook, Oat Flour Muffins: Gluten-Free Baking The Simple Way, is available on Amazon. 

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Avoiding Fashion Trends Might Be the Hottest Look of 2016

Earlier this year, I spent $400 on dresses from a womenswear company called Soma. The magnitude of this purchase hit my husband hard.

“You spent how much? And on what?”

He could hardly believe it when I told him that, yes, I spent $400 on six dresses.

We share our finances for sure, but each of us has a “slush fund” that we’re free to spend on whatever we want. And this year, I chose to spend part of that on cotton and polyester dresses with pockets. Dresses that feel like pajamas when you’re wearing them. Dresses that, according to a friend of mine who owns several, last many, many years without ever becoming drab or losing their form. Dresses that, in my eyes, were a solid bargain. And yes, I did have a 20%-off coupon.

My husband’s surprise was mostly due to the fact that I’ve never even spent $400 on clothing in an entire year during our 11-year marriage, much less all at once. Actually, I would guess that $400 has easily lasted me several years in terms of clothes shopping – partly because I hate shopping, but also because I mostly shop second-hand.

Still, I’m happy with my purchase. And yes, my new dresses are currently in my standard rotation of daily wear. If I’m not wearing pajamas or workout clothes, you can probably find me in a new Soma dress. I may not be stylish, but hey, at least I’m comfortable. And I’m certainly not going broke trying to keep up with the newest fashion trends, either.

The Hilarity of High Fashion

Of course, it wasn’t always this way. I was a young, 20-something once, after all, and I cared a great deal about fashion-forward trends at the time. Even when I had no money, I still bought expensive makeup and hair care products, clothes with designer labels, and fancy purses that cost so much I was almost too scared to carry them around.

And if I didn’t have the cash on-hand, I just charged it. Because, as we all know, it’s far too easy to buy now and worry about the bill somewhere down the line. Sadly, this strategy cost me dearly in my early 20s, leading not just to credit card debt, but a huge loan on a Mitsubishi that was also beyond my pay grade.

It’s so easy to see how this happens to today’s young people. Everywhere you look, you see ads for expensive clothing and accessories. Ads telling you, plain as day, that the awesome lavender sweater you bought last year is so out of season, and that a different hue of purple is now on point.

Everywhere you look, the story is the same. And while high fashion may be fun distraction from reality, it exists only to extract dollars from our wallets. Ever wonder why fashions and colors go in and out of style in a constant merry-go-round of excess? In my opinion, it’s because the people who want to sell us more clothing make it so.

And when you really think about it – when you really look – the fashion ideas they try to rope us into are downright crazy.

Take a look at this guide on 2016 winter fashion from Elle Magazine to see for yourself. According to Elle, this year’s hottest winter trends are underwear that look like pants, stark black lipstick, and giant raincoats that cost thousands of dollars.

Balenciaga outerwear starts at just a few grand per piece, yet you can totally style your coat with heels or slacks at the office, notes Elle.

Back to those underwear that look like pants, though. According to Elle, that outfit is actually more about the extra-long sleeves that hide your hands by a foot or two. You didn’t need to type or answer the phone today, did you? “Rihanna-approved extra-long sleeves are the perfect alternative to gloves,” says Elle. “No more fumbling when you receive an incoming call – all you have to do is wiggle out your hand!”

Five minutes ago, those crazy-looking pirate pants were also the “it” fashion. How do I know? I saw it in one of those awful magazines at the grocery checkout. But now, they’re out of style (I think?) and high-waist mom jeans are back in again. Also, you can buy a baggy sweater with holes in it from Kanye West’s fashion line, Yeezy, for $1,633.

You know there’s a problem when a sweater full of holes costs more than a thousand bucks and nobody bats an eye. “Distressed holes scatter this oversized piece, while shoulder and elbow patches add a contrasting, authoritative vibe,” says the marketing pitch. “Throw yours over a white T-Shirt to emphasize the disheveled patches.”

Obviously, I’m choosing some really dumb and overly expensive fashion to poke fun at here, but the basic idea is the same – even for the stuff you see at your local mall.

While splurging for better and sturdier clothing brands can be financially savvy, you’ll reach a point of diminishing returns. A $50 off-brand purse will likely last just as long as that $900 Louis Vuitton bag stays in style. And you don’t need to spend $695 on a pair of jeans from Dolce & Gabbana when you can get a high-quality pair from any number of brands for under a hundred bucks.

Yet, advertisers and the media are out in droves to convince you otherwise. But, have you ever stopped to think about who really benefits from the newest and best fashion trends changing every season and every year? From the gazillion-dollar coats that are only “in” for one season? From the hole-ridden sweaters that cost as much as a semester at community college?

Let me give you a hint: It’s not you.

Money in the Bank Is Always in Fashion

Perhaps I’m just getting old, but I would much rather have money than be broke and fashionable. In my eyes, the real fashion trend – the one we should all strive for – is to get our financial houses in order first. 

I mean, you can’t retire in a $1,600 sweater, can you? And will anyone care what you were wearing back in 2016 when you’re 70 years old and living in your daughter’s basement because you’re broke?

Plus, most high-end clothing depreciates the second you buy it. And if you buy expensive, designer clothing often and insist on having each new season’s “hottest styles,” you might as well be dicing up dollars in a paper shredder every year.

Those pirate pants that were “hot” a few years ago? The Juicy Couture sweatsuits? Dresses with cut-outs?

Yep, all of those have gone the way of Hypercolor, acid-washed denim, and Members Only jackets. In other words, they will be worth almost nothing – that is, until they become vintage antiques.

So, here’s what I say. To heck with it – all of it. To heck with spending our money on overpriced clothes that will go out of style next year or next season. To heck with forking over two weeks’ pay to buy a sweater that looks like it was eaten by moths. To heck with buying stuff we’re not even sure we like, just because someone else says it’s in, cool, or the latest style.

Let’s wear comfortable, durable clothes. Heck, let’s wear pajamas. Let’s choose our clothing based on what is comfortable and what makes us feel good. Let’s buy the colors, the styles, and the fashions we like regardless of what the media and the fashion magazines tell us. Let’s quit spending our money in the pursuit of the unattainable goal of being fashionable by everyone’s standards, 100% of the time.

Let’s spend our money where it counts, and save it for ourselves and our families. And instead of shopping just to look like everyone else, let’s all dare to be different – to be ourselves. We might not end up on a runway because of it, but at the very least, we’ll have money in the bank instead of a closet full of next year’s out-of-style clothes.

Holly Johnson is an award-winning personal finance writer who is obsessed with frugality, budgeting, and travel. She blogs at ClubThrifty.com and teaches others how to write online at EarnMoreWriting.com.

Related Articles:

Do you buy into high fashion? Why or why not? How much do you spend on clothing each year?

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Here’s Exactly How This Woman Saved Over $18K on Her Student Loans

Ashley Williams is a 28-year-old financial analyst with a degree in accounting — a background that keeps her acutely aware of her own financial situation… and debt.

“I crunch my own debt numbers quite often, and the lack of progress on student loans is disheartening,” Williams says.

She graduated six years ago from Canisius College in Buffalo, New York, with $46,000 in student loan debt. But, “thanks to capitalized interest and a year in forbearance,” she says, last year she still owed $51,500.

When a small raise in her salary threatened to increase her monthly payment by $100, she’d had enough.

“I already felt like I was paying too much per month because I had private loans that ranged from 8.5-9.5% that I felt like I was getting nowhere with,” she explains.

Like many students, Williams took out loans when she was 18 years old. Without a co-signer, she was bound by her underdeveloped credit score. She says it was decent for her age, but it still wasn’t good enough to secure a great interest rate.

In addition to the private loans, she was paying 6% interest on a consolidated federal loan.

With a few years of paying down debts and building credit under her belt, she was sure she could do better.

Taking Action

Williams finally decided to look into refinancing.

She was discouraged at first. Despite a credit score she says is over 800, one refinancing company denied her.

“It made me think that getting a refinanced loan was just a mirage that the banks claimed they were offering … I am happy to say I was proven wrong, and that is thanks to Credible,” Williams explains.

Credible is an independent student loan refinancing marketplace. Unlike a bank, which will give you just one offer — or none — the site shows you a range of personalized offers from a variety of lenders.

Depending on your situation, those offers could mean a lower monthly payment, a reduced interest rate and saving a ton of money over the life of your loan.

Through Credible, Williams was able to qualify for a refinanced loan that’s going to save her about $18,000 in interest.

“Refinancing knocked off at least five years in payments,” she reports.

Plus, “Credible helped me secure a 5.02% interest rate through [lender] Citizens Bank,” Williams adds — “drastically lower” than the 6%-9.5% she was previously paying on her loans!

And her monthly payment also has gone down, so it’s easier for her to make progress paying down her debt.

Williams’ case isn’t too unusual.

The average 2016 graduate with student loans will leave school with more than $37,000 in student loan debt, the Wall Street Journal reports.

As time goes by — and life happens — interest can turn that debt into a virtually unmanageable burden none of us prepared for.

Is Refinancing Student Loans Right for You?

Like Williams, you might be chained to an unwieldy interest rate you secured at a young age. But with time and responsible financial management, you could now qualify for a much better deal.

How do you know whether it’s the right move?

Refinancing will replace some — or all — of your existing debt with a new private loan. That means a new interest rate and repayment plan, so you have to decide whether it will be better than what you’re working with now.

Keep in mind that refinancing government loans with a private lender means giving up some borrower benefits, including access to income-driven repayment plans and the potential for loan forgiveness after 10, 20 or 25 years of payments.

But many borrowers decide that the savings they can realize through refinancing outweigh the value of those benefits.

The biggest questions to consider are:

1. Can you get a better interest rate?

Maybe your credit is stronger than it was when you were 18 years old. Maybe interest rates on student loans have gone down since you started school. Or maybe a new lender is simply able to offer you a better plan.

Whatever the reason, a reduced interest rate can mean saving thousands of dollars over the life of your loan.

2. Will it reduce your monthly payment?

Many of us are paralyzed by outrageous monthly loan payments that compete with rent, groceries and other basic living expenses.

When you can’t afford everything, student loan payments often fall by the wayside, racking up interest as they go unpaid. Reducing what you owe each month can help you get out from under your debt by making steady payments.

Refinancing into a loan with a longer term could reduce your monthly payment, though you may increase your overall repayment total.

3. Will you save money over time?

Your unpaid loan balance racks up interest, so the longer you take to pay it off, the more you’ll pay in the end.

Refinancing could help you repay your loans faster by increasing your monthly payment and potentially reducing your interest rate. Every month shaved off the life of your loan is money saved!

In fact, Credible reports that the average user save $13,928 over the life of their loans.

And it’s more than just numbers. It’s about what you can do with the money you’ll save over the next 10 or 20 years.

With such steep savings, Williams says she’ll be able to throw more money into retirement and “take a few more vacations” over the years.

Plus, she says she’ll, “enjoy the feeling of not being tied to an anchor [of debt].”

Click here to take Credible’s two-minute quiz and find a new rate to decide whether refinancing is right for you.

Your Turn: Would you consider refinancing your student loans?

Sponsorship Disclosure: A huge thanks to Credible for working with us to bring you this content. It’s rare that we have the opportunity to share something so awesome and get paid for it!

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

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السبت، 10 سبتمبر 2016

Samsung urges consumers to stop using Galaxy Note 7

SEOUL, South Korea (AP) — Samsung Electronics is urging consumers worldwide to stop using Galaxy Note 7 smartphones immediately and exchange them as soon as possible, as more reports of the phones catching fire emerged even after the company's global recall.The call from the South Korean company, the world's largest smartphone maker, comes after U.S. authorities urged users to switch the Galaxy Note 7 off and not to use or charge it during a flight. Several airlines around the [...]

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Deeds Done, Sunday, September 11, 2016

Deeds Done, Sunday, September 11, 2016

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Samsung urges consumers globally to stop using Galaxy Note 7

SEOUL, South Korea (AP) — Samsung Electronics is urging consumers worldwide to stop using Galaxy Note 7 smartphones immediately and exchange them as soon as possible, as more reports of the phones catching fire emerged even after the company's global recall.The call from the South Korean company, the world's largest smartphone maker, comes after U.S. authorities urged users to switch the Galaxy Note 7 off and not to use or charge it during a flight. Several airlines around the [...]

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(No heading)

Delaware Water Gap BoroughBayview Loan Servicing LLC to Axis Self Storage, 2 Tracts, 1120 Foxtown Road, Route 611, $245,000Hamilton TownshipDouble D Management LLC to Cresson Point Properties LLC, Land, Township Route 465, 74 Parcels, 07/7A/2/2 through 07/7A/2/74, $815,000Jackson TownshipAlexander S. Kokos and Carlos R. Gruber (Release) to Edward Alan and Mary Elizabeth Ubbens, Lot 4, Gruber Lake, $240, [...]

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The Packet Drawer – and Fifteen Other Little Frugal Strategies from My Social Circle

I was visiting an old friend of mine who wanted me to sample a jar of pickled cucumbers. While he was opening the jar, he asked me to grab a couple of forks out of one of the drawers in his kitchen.

I opened the wrong one.

That drawer was stuffed with condiment packets. Salt. Ketchup. Pepper. Mustard. Hot sauce. Tons of them.

His explanation was simple. When he eats out anywhere, he asks for condiment packets and then pockets the ones they give him. He tosses them into that drawer when he gets home, then when he’s dining alone, he just uses those condiments. When he has guests, he’ll serve them condiments from the fridge… but he can’t see any reason to use those himself. Why not just use the free packets instead of paying?

It was a little quirky… but it also made a lot of sense. He didn’t advocate for grabbing packets by the fistful, but for simply pocketing whatever packets were given and using them at home.

This inspired me to tap some of my other friends for some of their little frugal strategies. These were among my favorites – some of them are quite smart, a few are pretty quirky, and some manage to be both at the same time.

Strategy #1 – Poach Eggs in the Microwave for a Very Quick and Tasty Breakfast

One of my friends does this literally every morning before he leaves for work. He pops a piece of toast (or an English muffin) in the toaster, pulls out a coffee mug, and fills it about halfway with water. He cracks an egg right into the water, covers it with a saucer, and microwaves it on high for about a minute and fifteen seconds (the exact time might vary a bit depending on the microwave – for his microwave, this is the point at which the yolk just gets hard). When the microwave dings, he pulls out the cup, pours off the water, then the toast pops up out of the toaster. He puts the poached egg on the toast and is out the door. The whole process takes less than two minutes from beginning to end.

It’s a breakfast that requires no silverware, one he can eat in the car on the way to work, and doesn’t leave behind any mess at all other than a toast crumb or two. It provides a big boost of protein in the morning, but doesn’t add up to too many calories. The best part? It costs him maybe a quarter in terms of ingredients. He’ll often take a banana or an apple with him to eat when the “sandwich” is finished, which costs perhaps another quarter.

It’s so efficient, so inexpensive, and gets his day started off right.

Strategy #2 – Don’t Turn Left

Another friend of mine basically avoids turning right whenever possible, even if it means going around the block. This saves her both time and money.

How does this work? Whenever you’re turning left onto a roadway, you have to wait for two lanes of traffic; turning light means you only have to worry about one lane, which means you get out on the road much quicker. Whenever you turn left at a stoplight, you’re usually stuck in the turn lane idling for quite a while before you turn, whereas when you turn right, you can usually turn very quickly, even on a red light in most jurisdictions.

In other words, turning left means that you spend a lot of time and a not-insignificant amount of fuel just idling and waiting to turn, while you spend far less fuel and time when you turn right.

Thus, my friend simply plans her travel so that she turns right as often as possible. She’ll think ahead about her route and plan things so that she turns right instead of left. She’ll even drive around an additional distance to avoid left turns on a busy street or intersection.

Strategy #3 – Use Gift Bags and Save Them

A couple that we’ve been friends with for many years always gives gifts in nice gift bags. If someone decides to use the bag to transport a gift, it’s not a problem, but if the bag is left behind or thrown away, they’ll keep it. They also keep every single gift bag that they’re given.

Why? They hold onto those bags. In one of their closets, they have an enormous pile of gift bags in great shape, ready to be reused. They use an end roll of blank newspaper (picked up for just a dollar or two from the local newspaper office) or newspaper comic pages as tissue paper for the gifts.

This almost entirely eliminates their expenses for wrapping gifts. Occasionally, they have to pick up a gift bag or two to replenish their supply, but that’s apparently a pretty rare occasion.

Strategy #4 – Dumpster Dive at Apartment Move-Out Times

One of our friends lives near a college campus that has many, many apartment buildings in the surrounding blocks. The landlords in that area usually offer annual leases that all expire on July 31st of each year.

Thus, from about July 29 to August 1 of each year, she’s on the hunt. She drives from complex to complex, watching the curbs and dumpster areas, to find what items the students are throwing away.

Sure, most of it is junk, but you’d be shocked at the high quality items some students just toss in the dumpster, particularly students that are about to leave the country and have no way to take items with them. She has collected huge amounts of new and nearly-new clothing and shoes, completely functional Bluray and DVD players, and many other items. Her favorite find? An in-shrink iPad Mini. Yes, some college student just tossed it.

Strategy #5 – Change Your Own Oil

I do this myself sometimes, but one of my best friends is absolutely adamant about changing his own oil. Not only is it far less expensive than using an oil change service, he’s convinced that they do a relatively poor job.

Why? What’s wrong with an oil change service? For one, they don’t let the oil drain for a long period of time. The best way to get all of the junk oil out of your car is to simply slide an oil pan under the car, open up the oil gasket, and let it drain for a long time – an hour at least. After the first minute or so, the flow of oil slows drastically, but what comes out at that point is the worst oil – the sludgy stuff that doesn’t flow well. Letting it drain for a long time lets a lot of that bad oil escape, which doesn’t happen with a quick oil change. This extends the life of the car.

For another, they’re almost always overcharging you on the oil compared to the price you can get on oil from an auto parts store. He usually buys oil in five quart containers, which is perfect for filling up his car, and changes his oil filter each time (which is also very easy if you have an oil filter wrench). A car’s manual explains each step and all of the oil and the filter can be bought for less than $20, which is a lot cheaper than an oil change place. Plus, you can go do something else at home while the oil drains.

Strategy #6 – Negotiate Hotel Room Rates on the Fly

If you’re willing to add a little bit of flexibility to your travel, you can skip reserving hotel rooms in advance and instead reserve them on the fly on your travel date.

Simply find several hotels near your destination and call each of them while you’re traveling to that destination (this is a good task for a passenger in the car, for example). Simply state that you’re staying in the area and that you’re calling several hotels for the best rate.

One good tactic to use here is to call the hotel that you suspect will offer you the lowest rate first, then use their quoted rate as a bargaining chip with the other hotels. For example, if you’re calling up a local Best Western, you might want to say that the local Super 8 offered you a room for $45 a night and you’ll stay at the Best Western instead if they can match that rate.

This might not be the best strategy if you have specific needs when traveling, but if you’re flexible about the hotel you use and don’t have any special needs, it can save you a bundle on the road.

Strategy #7 – Hone Your Disposable Razors to Get More Uses

Quite often, people toss disposable razors and disposable razor blades not because the blade isn’t sharp any more, but just because the blade is no longer honed. Imagine that the blade itself is just bent or curled a little but it still has a sharp edge that’s just curled out of the way. If you can simply un-curl it, you can get a lot more use out of the blade, right?

Well, a friend of mine showed me a great way to hone a disposable razor. Just get your forearm wet and soapy and then run the blade slowly backwards on your forearm, in the opposite direction of how you would shave.

This helps hone the sharp edge of the blade and can get you a lot more shaving before you have to toss the blade. I now do this as a matter of course after each shave, as it costs nothing, requires no extra equipment, and definitely has a strong positive impact on the life of the blade.

Strategy #8 – Make Your Own “Cold Press” Coffee

Rather than worrying about the expense and hassle of a coffee pot and a coffee filter each morning, one close friend of mine uses a somewhat different tactic. He buys whole bean or coarsely ground coffee, then puts a cup of the ground coffee into a Nalgene quart water bottle. He fills the bottle with water, shakes it up, then sticks it in his refrigerator where it sits for a couple of days.

When he wants the coffee, he simply pulls out a fine mesh metal strainer and pours the coffee through it, collecting the strained coffee on the other side in a cup. If there’s coffee left in the Nalgene bottle, he puts it back in the fridge; otherwise, everything goes in the sink or dishwasher. If he wants hot coffee, he just microwaves the strained coffee for a minute or two.

This saves a lot of expense from the coffee pot and makes mornings more convenient to boot. You can easily adjust the strength by either adding more coffee beans or by letting it sit for longer.

Strategy #9 – Use Old Toothbrushes as Household Cleaners

This is a great strategy that I’ve used faithfully for years, so I’m glad to hear that others use it, too.

Whenever you wear out a toothbrush – to me, that means whenever you go in for a new dental visit – just take the old one, clean it well, and put it in a junk drawer instead of throwing it away. It becomes a great little cleaning tool.

You can use such a toothbrush for all kinds of household tasks, from cleaning grout and other tight spaces to applying wood glue to tricky corners. When the toothbrush becomes too beat up for those tasks, you can just toss it, knowing you got plenty of use out of it. It also keeps you from buying brushes or other little tools for uses that an old toothbrush can easily fulfill.

Strategy #10 – Clean the Back of the Fridge Once a Year

A refrigerator works by taking advantage of some basic chemistry to use the relatively cool air in your kitchen to cool down some relatively warm coils, then reducing the pressure in those coils to make it even cooler, which cools down your fridge. It’s a neat trick, but it only works efficiently if the coils on the back of your fridge are exposed to air and not insulated.

Guess what? Over time, dust builds up back there and effectively insulates the coils. That means that your refrigerator has to run for a lot longer since the gas isn’t cooling down as fast on each cycle. That “dust insulation” makes your refrigerator run longer, which gobbles up a lot of electricity.

The solution is easy: every once in a while – say, once a year – pull out your fridge and dust off the coils on the back of it. Most refrigerators can slide out relatively easily and a thorough cleaning back there can not only make your refrigerator run more efficiently (saving you money on electricity), it also means less wear and tear on your refrigerator parts, saving you money on replacements since your fridge will last longer.

Strategy #11 – Check the Schedule of the Nearest University

Two or three times a week, a couple I’ve been friends with for a long while heads over to the campus of the local university. There, they go to speeches by well known authors or to free concerts by talented musicians. These types of events are going on constantly at the university and they’re virtually always open to the public.

There’s no harm in checking out the university calendar to see what kinds of speeches and presentations and art performances are coming up in the near future. Many are completely free and even if just one out of ten are of interest to you, that still means something interesting and free is probably happening two or three times a week or so.

During my post-graduation but pre-children years, I used to enjoy many such events at our local university. These days, I don’t quite get the same opportunities that I once did, but I still recognize the value of the local university.

Strategy #12 – Start a Podcast

One of my closest friends recognized how much loved sitting around with his buddies talking about sports, so he started a podcast that ran for almost four years. It actually built a pretty nice audience for a while and it gave my friends a chance to talk to each other about the sports they loved, tell jokes, and share it all with like-minded people.

What did it cost them? Nothing. What did it give them? It gave a lot of laughs, helped sustain friendships, and built a few new ones, too.

A podcast is a really great way to turn the joy of sitting around with friends talking about a passion you enjoy into something that can build new friendships, sustain your current friendships, and even possibly make a few bucks. All you really need to do is record those conversations and share them. My friends just recorded themselves chatting around a laptop, added some images of what they were talking about using a free movie making tool, and put the results on Youtube. It’s fun, it’s free, it can build friendships, and it can make you some ad revenue, too.

Strategy #13 – Have a Weekly Meal Menu

One of our busiest friends handles meal preparation for her family by having a rather strict meal plan that she just follows over and over. They have a certain meal each Monday, a different one on Tuesday, and so on.

Her meal plan does include a bit of variance in the meals – her “casserole” night has a fair amount of variation to it, as does her “soup” night and “grill” night – but each of those things follows the same general structure for the meal. Her soup recipe is the same with just substituted ingredients.

This saves her money in a number of ways. First, she can shop insanely quickly without distractions because she knows exactly what’s needed for the week. She can bulk buy ingredients if she discovers they’re on sale without skipping a beat. She can also prepare the meals incredibly quickly because they’re so familiar for her and her family.

Strategy #14 – Invert the Pantry

Another strategy for inexpensive meals from another friend is to spend an hour or two “inverting the pantry.” Basically, he just pulls everything out of his pantry and puts everything back in in reverse order. All of the stuff near the front goes to the back and vice versa.

This process usually gives him a ton of ideas for meals using what he has on hand. It also ensures that he uses ingredients that he has on hand before they go bad, converting something that might have become trash into something useful. It also usually cuts directly into his grocery shopping for the week.

If you find that your pantry or cupboards build up over time, just invert the whole thing. You might be surprised at the useful stuff hanging out in the back.

Strategy #15 – Buy Large Jugs of Store Brand Handsoap

Rather than just buying a new small soap dispenser each time you run out of hand soap in the bathroom, stick with one that works and just buy a large jug of handsoap to store under the sink. Better yet, make it store brand handsoap.

By cutting out the purchase of small soap dispensers or containers by simply reusing one of them (or using a long-lasting permanent one that matches your bathroom decor), you save money regularly on your bills. By buying the soap in a large jug and using that jug to fill a smaller container you already have, you save more by buying the soap in bulk instead of in smaller batches. By buying a store brand soap, you save even more due to the “store brand” discount.

Just keep the dispenser you like and start refilling it with store brand handsoap. Your hands will be clean, your dispenser will work like a champ, and you save money, too.

Final Thoughts

These techniques involve simple little life changes that take very little time or effort to pull off but can easily save you a few bucks. Choose the ones that work for you and toss the rest.

Remember, if you can make an effortless change that doesn’t degrade your life in any way, it’s pure savings. It’s money that stays right in your pocket, right where it belongs. That’s definitely a frugal win.

The post The Packet Drawer – and Fifteen Other Little Frugal Strategies from My Social Circle appeared first on The Simple Dollar.



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How Much Does it Cost to Sell a House?

How much does it cost to sell a house? The truth is, how much you’ll pay to sell your home depends on a number of factors. For example, using a realtor to market and manage your home sale can be rather expensive — real estate agent commissions can total 5% to 6% of the sale price, all of which is generally paid for by the seller, not the buyer. But if you sell it on your own? Do things the right way, and your costs may be minimal.

Other factors that can affect the cost of selling a home include property taxes, neighborhood fees, repairs you need to make, and even the time of year. If you plan on selling any time soon, it’s crucial to factor these and other costs into the equation.

Common Costs Associated with Selling a Home

While every home sale is different, and laws and customs vary by state, most real estate transactions incur the same types of costs and fees just about everywhere. Generally speaking, pricier homes simply incur proportionally higher expenses across the board in each of these categories. Here are the most common expenses to plan for when selling your home:

Real Estate Agent Commissions

This is the biggie when it comes to selling your home. A seller can expect to fork over up to 6% of their home’s sale price in real estate commissions, according to Realtor.com. That percentage is typically split between the buyer’s and seller’s agents, then divvied up between their respective brokers.

That means that on the sale of a $300,000 home, real estate commissions alone can eat up as much as $18,000 of the sale.

Obviously, this is a fee you’ll want to negotiate down if you can — and more and more sellers are able to do just that. A recent study by online real estate brokerage Redfin found that 60% of people who sold a home in the past year received some kind of discount on their commissions, while 37% of buyers received a discount or other rebate of at least $500 on their agent’s portion of the commission.

There are a few possible reasons real estate agents are more likely to take a lower commission these days. For starters, available housing inventory is low across the country, and agents must compete fiercely for that dwindling business. Meanwhile, online brokerages such as Redfin and Owners.com, which offer high-powered web tools and the services of local agents at a discount to traditional realtors, have grown more popular.

With Redfin, sellers pay a lower 1.5% commission, while buyers also receive a rebate. With Owners.com, sellers can choose between a few different packages based on the level of service they want — there’s even a bare-bones free option — to save on the 2.5% to 3% they would typically owe a seller’s agent.

“In the traditional real estate model, a seller’s agent typically charges 5% to 6% commission on the asking price of a home, with half of the commission paid to the buyer’s agent,” says Steve Udelson, president of Owners.com. “Considering the average price of an existing home, according to the National Association of Realtors, is $244,100, a seller using Owners.com would keep more than $6,000 in their pocket,” Udelson says.

Alternatively, you can skip using an agent altogether and market your home on your own. In a popular area with lots of traffic, an old-fashioned yard sign may do the trick, and you can advertise your home on free sites such as Craigslist. Just remember, you’ll need to take on the responsibilities of a realtor when you sell your home by yourself, including some heavyweight tasks like hiring a lawyer to draw up the contract, negotiating with buyers or their agents, and arranging the title paperwork and transfer.

Home Repairs

If your home is in perfect shape and move-in ready, you may not need to complete any repairs before you sell. Chances are, however, you may need to take care of some basic updates to boost the home’s curb appeal and secure the best price. That might mean a fresh coat of paint throughout, repairing a crack in the ceiling, or finally fixing that loose railing on the stairs.

In addition to any repairs you make to improve the resale value of your home, you might be liable for even more repairs once a sale is underway. Your buyer will likely have a home inspection, and they can ask you to repair any major faults as a condition of the sale. While you can’t always predict these repairs or their costs, you should keep your mind – and your wallet – open to the possibility of some additional outlay.

Mortgage Payoff

When you sell your home, you’ll use the profits of the sale to pay off your old home loan first. While the concept is fairly cut and dry, the amount you’ll pay may not be the amount listed on your last mortgage statement. Because interest accrues daily, you’ll owe the principal of your loan plus the amount of prorated interest you’ve accrued until the day of your closing. If your mortgage has a prepayment penalty (it probably doesn’t, but always check), you’ll need factor it into the equation as well.

Neighborhood Fees and Additional Taxes

If your neighborhood has a homeowner’s association, expect to pay a prorated share of your annual or monthly HOA fees. On the flip side, if you have already prepaid your HOA fees for the year, you may be returned a portion of your payment at closing, or choose to allow that amount to carry over into the new buyer’s term.

Other fees can vary. In some states, you may also be charged a local transfer tax of 0.01% to 2% of your sales price to transfer your home’s title.

If you earn a considerable income on the sale of your home, you can also expect to pay capital gains taxes as well. If the profit from your home exceeds $250,000 for singles of $500,000 for married couples filing jointly, you’ll owe capital gains taxes on any amount over those caps per the Internal Revenue Service (IRS). But if your home sale nets a profit less than those amounts, you can keep those profits tax-free provided you lived in your home for two out of the previous five years before selling.

Property Taxes

This is where the time of year comes into play, and where things get tricky. First of all, the fact that property taxes are sometimes payed in arrears means you may need to pay extra to bring your property taxes up-to-date for your buyer.

In addition to that, you usually need to pay a prorated amount of property taxes until the day your home sale closes. If you just paid your taxes, you might owe next to nothing. If your next tax bill is far away, however, it could easily be thousands of dollars.

Title Insurance

Title insurance, which protects the buyer in case there are problems with the home’s title or ownership history, is often the buyer’s responsibility, but in some cases the seller may offer or be required to pay for it. Title insurance usually runs between $500 and $1,000. If a lien is discovered on your home before the closing date, you’ll also need to pay that off before you can sell.

Home Warranty

While a home warranty is usually optional, buying one for potential buyers can help you sell your home. While the terms of these warranties vary, they tend to cover the major components of your home and promise repair or replacement for new buyers. Most of the time, home warranties last one year but may be renewed for an additional cost.

The price of a home warranty can depend on the sales price of your home, but you should generally expect to pay about $300 to $500 for this benefit.

Buyer’s Closing Costs

In a buyer’s market, a seller could be asked to cover part or all of the buyer’s closing costs to sweeten the deal. Usually, these costs add up to around 2% to 5% of the cost of the home and can include mortgage fees, appraisal costs, and additional professional services.

The Bottom Line

Before you sell your home, you should know which fees to expect. By arming yourself with information, you can emerge from your home’s closing with an eye on the future – and hopefully, more money in your pocket.

Related Articles:

Have you ever sold a home before? Were you surprised by the costs of selling?

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This Amazing Flow Chart Could Solve Your Student Loan Nightmare

Are you swimming in student loan debt — or drowning?

You’re not alone.

The average loan-holding college student graduating in 2016 owes a record-setting $37,172 in student loan debt, and the number is steadily climbing each year, the Wall Street Journal reported in May.

Many of us don’t even really understand the debt we’re in, until those monthly bills come knocking. Monthly payments can be upwards of $300… and why did anyone let 18-year-old me sign up for this?

If you’re stuck with confusing debt and an unfeasible repayment plan, this might help.

What is Student Loan Refinancing?

Refinancing would combine your various student loans, interest rates and payment plans into one new loan.

Depending on which rates you qualify for, this could help you get a lower monthly payment and interest rate, simplify your loan repayment and help you pay down your debt faster.

You’d be replacing some — or all — of your existing loans with a new private lender loan.

It also comes with new repayment terms, which give you a chance to start fresh with a new agreement and a potentially better interest rate to help you pay less in the long run.

Credible

Should You Refinance Your Student Loans?

Keep in mind that refinancing government loans with a private lender means giving up some borrower benefits, including access to income-driven repayment plans and the potential for loan forgiveness after 10, 20 or 25 years of payments.

But many borrowers decide the savings they can get through refinancing outweighs the value of those benefits.

It can be a tough decision to make, so we created this handy chart to help you out!

See which options are available to you at Credible.com, a marketplace that lets you see personalized rates from multiple refinancing lenders. Seeing your offers on Credible won’t affect your credit score or share your information with lenders before you’re ready to proceed with an offer.

See your offers here, and answer the questions below to determine whether refinancing is right for you.

Credible

Your Turn: Will you consider refinancing your student loans?

Sponsorship Disclosure: A huge thanks to Credible for working with us to bring you this content. It’s rare that we have the opportunity to share something so awesome and get paid for it!

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

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الجمعة، 9 سبتمبر 2016

ESU Economic Outlook Summit stats show mixed results for Monroe County

Employment growth among Monroe County residents grew by 2.4 percent last year — tied for the highest in an eight-county region — yet a high crime rate helped drag Monroe’s overall business climate to seventh place in an annual economic report released Friday.The 2016 Monroe County Economic Scorecard was compiled by the Business and Economic Research Group at East Stroudsburg University. Results were unveiled during ESU’s Fourth Annual Economic [...]

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In San Francisco, You Can Get Paid to Commute Outside of Rush Hour

Maybe your city’s public transportation system offers reduced fares if you commute to and from work during off-peak times.

But what if you could get paid to adjust your commute? Would you change your work schedule to make extra cash?

San Francisco’s BART program is testing a BART Perks program that rewards riders with points riders can exchange for money.

But don’t expect to strike it rich with this bonus program. You might have to wait a while for a substantial payout.

Perks and Points for BART Riders

After enrolling your Clipper card, you earn one point per mile you travel on BART. If you travel during “bonus hours” of 6:30 to 7:30 a.m. or 8:30 to 9:30 a.m. Monday to Friday, you earn three to six points per mile depending on your Perks status (bronze, silver, gold or platinum).

You can redeem every 1,000 points you earn for $1.

You could choose cash rewards delivered via PayPal automatically each month. Or, if you’re feeling lucky, you can play a Spin to Win game for a chance to win random cash rewards (between $1 and $100) or additional points.

One Business Insider writer who commutes on BART from Oakland to downtown San Francisco five days per week estimates being able to earn about $1 “and change” in a month’s time.

It doesn’t seem like much, but the program advertises occasional “bonus box” earning opportunities tailored to your ridership habits. Riders can also earn 250 points per referral to the Perks program.  

What’s Your Commute Time Worth?

This pilot program is an interesting idea to alleviate stressful peak ridership times.

In Washington, D.C., where I live, Metro riders pay a discounted rate if they ride outside of peak commuting times of 5 to 9:30 a.m. and 3 to 7 p.m. during the week. Instead of paying up to $5.90 per one-way trip, the maximum off-peak fare is $3.60.

It feels nice to pay a little less if you’re traveling outside of typical commute times, but I don’t think many people wait to start their commute until 9:30 just to get a reduced fare.

I have, however, seen plenty of people waiting by the fare gates at 6:55 p.m., waiting for the stroke of 7 to start their journey home. Sometimes, if I’m not in a rush, I’ve waited among them. Sometimes, I haven’t cared enough to delay my trip, because Metro does enough to delay my travel.

But BART’s Perks program seems a bit more reasonable than my area’s peak ridership fares. Granted, some work schedules just won’t accommodate a flexible or adjusted commute.

I might not make a concerted effort to change my commute if I worked or lived in San Francisco, but I might hustle to make it to the station a little earlier if I usually started my commute at 7:30 a.m.. 7:25 seems like a reasonable departure goal, right?

Your Turn: Would you change your commute if you could earn money?

Lisa Rowan is a writer and producer at The Penny Hoarder

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Come One, Come All: The Cat Circus is Real — and It’s Hiring Right Meow

Can you hear that?

It’s the sound of my coworkers crying, as they realize their wildest dreams have finally come true: You can get paid to travel the country with a crew of kitties.

The Acro-Cats, a troupe of former orphan and stray cats, travels from city to city performing live shows to “sold-out audiences.” (Yes, we’ve written about them before.)

And right now, they’re hiring both a tour assistant and a bus driver/tech.

Does that sound like your cup of catnip? Then keep reading.

How to Work for the Cat Circus

The Acro-Cats show is “devoted to promoting cat-training awareness and supporting feline adoption and rescue,” so it travels across the country in — what else? — a custom cat bus, fostering and finding homes for its animals.

As well as performing what sounds like an intriguing show…

First off, it features an “all-cat band” called the Rock Cats. (Wut.)

cat circus

via circuscats.com

Second, the cats do tricks with hoops, skateboards and other props. (I’ve never met a cat that would do what its owner said if its life depended on it, so this is a MUST-see.)

Lastly, and perhaps most importantly, the show involves something called a “cat vs. chicken bowling show-down.” (I can’t begin to fathom what that is, which means it alone is worth the price of admission.)

Here’s how to get your paw in the door.

Tour Assistant

The company is looking for a tour assistant whose responsibilities would include “cat wrangling,” moving props, selling tour merchandise, caring for “Rock Star cats” and coordinating volunteers for all performances. It’s a bonus if you can drive a 45’ bus.

The listing states pay is “commensurate with qualifications and experience” — and I’m assuming it means experience with tours, and not cats. Because no amount of experience with cats prepares you for everything that is cats.  

Tour Bus Driver / Tech

In this position, you’d be responsible for driving and maintaining the cat tour bus, which is actually a 45’ bus that tows a 14’ car.

The other portion of your job would be doing sounds and lights for the show. You must be able to lift and carry 50 pounds, as you’ll have to load equipment in and out of the vehicles.

No pay is listed; rather, the company states it’s “taking bids/offers for this position.” A resume, plus a check of your background and driving record, are required.  

Not into cats? Then check our open positions here at The Penny Hoarder.

I have a feeling we’re going to lose more than one staff member to this traveling troupe of tabbies…

(H/T to DNAInfo for finding this fun gig.)

Your Turn: Do you want to join the cat circus?

Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

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10 Hilarious Tweets That Remind Us Why #MoneyIsntImportantBut…

We all know money isn’t the most important thing in the world.

But it does help with a lot of important things. That’s why we work so hard to make more… and spend less… and save as much as we can.

Prompted by pop culture blogger Dana Cortez with the trending hashtag #MoneyIsntImportantBut, these 10 people explain exactly why it’s money that makes the world go ‘round.

1. Someone said this would be worth it one day.

@choo2008 via Twitter

@choo2008 via Twitter

They were wrong, weren’t they? I think it’s time to downsize.

2. Can money buy happiness?

When you’re right, you’re right

3. It can, at least, buy the best memories.

You go, girl! Now, please eat a vegetable.

4. It can get you through the night.

You’re going to need to pinch pennies on those cocktails.

5. Oh, and the money you needed to get smart enough to make more money?

You’re going to pay that back.

6. Don’t forget the money you need to get to the places where you spend all the money.

Yeah, that’s gonna cost you, too.

7. The truth doesn’t come cheap.

Godspeed.

8. Don’t forget the essentials.

And beer, for a well-rounded meal.

9. How we all feel about money, deep down.

Can’t deny it.

10. If you have enough of it…

Sleep tight.

Your Turn: Money isn’t important, but… what kind of difference does it make in your life?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

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Got Milk? The Dairy Industry Probably Owes You Money

We see a lot of wacky class-action settlement notices come through our office, but this one shocked us: If you bought milk in the last 13 years, you may be eligible to receive your slice of a $52 million settlement against the dairy industry.

You don’t need to have receipts or proof of purchase in order to get a piece of this payout; instead, you simply pledge to be telling the whole truth when you fill out the online form.

Think about it. Whether you’re feeding a household of one or five, there’s probably been some sort of dairy product involved over the years.

How to Claim Your Milk Money

To qualify, you must have:

  • Lived in at least one of these states at some point between 2003 and now: Arizona, California, the District of Columbia, Kansas, Massachusetts, Michigan, Missouri, Nebraska, Nevada, New Hampshire, Oregon, South Dakota, Tennessee, Vermont, West Virginia or Wisconsin 
  • Purchased milk products including cream, half-and-half, yogurt, cottage cheese, cream cheese or sour cream, regardless of brand or grocer 
  • Purchased such milk products for yourself or a school program

It takes about a minute to file your claim, and you have until January 31, 2017, to milk this cash cow.

Seriously, that joke was too good to leave out.

The Strangest Settlement We’ve Ever Seen?

The million-dollar settlement is the result of an antitrust lawsuit stemming from a National Milk Producers Federation scheme to kill off cows to raise milk prices. So it’s almost eerie to see cartoon cows and cow print on the website educating consumers about this settlement — it’s as if they want us to forget what the lawsuit was about.

Here’s the confirmation screen for my own claim:

got milk

I get it. You have to be consumer-friendly. But this one’s a little sour.

Your Turn: Will you file a claim in this class-action settlement?

Lisa Rowan is a writer and producer for The Penny Hoarder.

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Now Hiring: Part-Time, Work-From-Home Jobs — No Experience Required

Want to work with a team who describe themselves as “innovators who are not afraid to put their ideas into action”?

This cool work-from-home job offers flexible, part-time hours and work you can do while you watch TV, commute on the train or squeeze in while the kids sleep!

Seattle-area technology consulting firm iSoftStone North America is hiring online ad evaluators to ensure the accuracy and relevance of client web advertisements.

iSoftStone helps clients use digital technologies to optimize business processes, grow audiences, conduct market research and more. The ad evaluator role offers feedback to optimize web advertisements for online and local audiences.

This part-time, work-from-home position starts with 10-25 hours per week, with the possibility of increasing to full-time based on performance.

Requirements

To apply, you must be at least 18 years old and a U.S. resident with native-level English proficiency.

You should be comfortable working from home on a flexible schedule and be familiar with and passionate about current events, news, media and pop culture.

No tech skills required — you’ll get all the training you need to do the job. All you need is a computer running Windows OS and a stable internet connection.

Submit your application online here.

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Your Turn: Have you seen any interesting work-from-home jobs lately?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

The post Now Hiring: Part-Time, Work-From-Home Jobs — No Experience Required appeared first on The Penny Hoarder.



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DietBet is Hiring a Part-Time Referee — and You Can Work From Home!

Thank goodness this referee job doesn’t require sweating on a field, wearing unflattering stripes or slobbering on a whistle.

Instead, you’re actually making a difference in people’s lives (not just sports fans) — and working from home.

DietBet is a game challenging people to get healthier, primarily by losing weight. And holy extra-large cow — it seems like it works. It’s helped players lose over 5 million pounds since launching in 2013.

Even more? It pays you to lose weight — $24 million has been dealt to successful players.

And even more? Although the company’s based in New York, DietBet is hiring a part-time, work-from-home referee — or customer service associate.

But this isn’t your average sit-at-home-with-a-headset-on customer service gig.

What You’ll Do as a DietBet Referee

As a referee, you’ll connect the “players” to the game, making sure they’re having a positive experience, troubleshooting any issues and working alongside the product team on new features.

This is a part-time position with a flexible schedule. Sometimes you’ll work 24 hours a week; other times you’ll work close to 40. Salary is negotiable and depends on your experience.

Growing with the company and becoming full time seems very possible.

Are You Qualified to Be a DietBet Referee?

Like many customer service jobs, you should have strong written communication skills.

And technology shouldn’t freak you out since you’ll work to troubleshoot technical issues. This is also a start-up environment, so staying calm and taking initiative are key abilities.

You should also be prepared to work extra hours around New Year’s to help people set and keep those pesky resolutions. You might also need to be available nights, weekends and other holidays.

Customer service experience is preferred, but not required. Your application will get a gold star if you’re passionate about helping others. “Sounds corny but it’s what this job (and our company) really are all about…” the listing states.

So are you ready to start helping people? Apply for the job now.

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Your Turn: Would you rather be a diet referee or a real one?

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. After recently completing graduate school, she focuses on saving money — and surviving the move back in with her parents.

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