She Spent $16m In Harrods. Now She Must Explain Where The Money Came From

Photo Illustration by Elizabeth Brockway/The Daily Beast

Harrods, the iconic London department store, burnished its questionable credentials as the go-to destination of the global kleptocracy this week after it emerged that the wife of a wealthy, jailed Azerbaijani criminal spent more than £16m ($ 22m) in the London store over a 10-year period.

Zamira Hajiyeva, 55, the wife of a former state banker in Azerbaijan, is the target of the UK’s first Unexplained Wealth Order (UWO), a new piece of anti-money-laundering legislation that compels its subjects to provide a “clear account” of how they purchased British assets.

Hajiyeva is the wife of Jahangir Hajiyev, 57, the former chairman of the state-owned International Bank of Azerbaijan. In 2016 he was sentenced to 15 years in jail for defrauding the bank out of up to 5bn manat ($ 2.9bn).

Read more at The Daily Beast.

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Waze Carpool Is Now Available Nationwide to Save Commuters Money and Misery

Until teleporting becomes a thing, miserable commutes will remain a way of life.

You can make driving to work more bearable, however, by sharing the ride. At least when you carpool, everybody chips in on transportation costs. And you might be able to bypass some of that traffic if your route’s on a highway with carpool lanes.

Waze Carpool is hoping to get more commuters in the car with each other instead of clogging up the roads in separate vehicles. The Alphabet-owned app pairs drivers and riders to streamline the process of organizing a carpool.

You may remember when we wrote about Waze Carpool launching in Washington state back in March. Last week, The Verge, TechCrunch and other media outlets announced the company’s expansion to all 50 states.

How Waze Carpool Works

Commuters who download the app can choose to either drive or ride. The app matches up people traveling similar routes, based on their home and work addresses.

Users can filter out potential carpool buddies based on their workplace (so coworkers can ride together) or gender (so fellow riders are only women or only men).

The service’s efficiency will vary based on the number of users in your area. The more people in your community who use the service, the greater the odds that you can find riders traveling along your route. The Verge noted that Waze Carpool will be available at 50 Amazon fulfillment centers and plans to partner with other businesses, organizations and cities.

Riders are charged no more than 54 cents per mile. Depending on where you live and how long your commute is, using Waze could be less money than paying for gas, tolls and parking for your own car — or cheaper than hailing an Uber or Lyft.

The money riders pay is said to go directly to the driver through the app. Waze Carpool is reported to make its money by selling advertisements rather than taking a percentage of drivers’ earnings.

Although drivers get compensated for picking up passengers, Waze Carpool isn’t designed as a service for drivers to make money as a side gig or in place of a full-time job. The app allows drivers and riders to make only two trips per day.

Right now, Waze is offering people $ 20 to refer new users to try the service, with a cap of 10 referrals, according to The Verge. Riders also can enjoy $ 2 rides for 21 days.

Nicole Dow is a senior 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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5 Steps That Will Save You Serious Money Every Time You Shop at Walgreens

There’s a Walgreens on just about every busy street corner. That means they’re super convenient for those times I run out of toothpaste, toilet paper and hair care products AT THE SAME TIME.

I’ve been a Balance Rewards member for years, but I never paid much attention to how the program works. I’ve just shopped as I normally would and enjoyed the occasional surprise at the cash register.

But after noticing more frequent rewards offers, I did some digging. Now, I’ve figured out how to get the most of Balance Rewards, so I can save more money at Walgreens.

How to Maximize Your Walgreens Balance Rewards

 

How to get the most out of your Balance Rewards at Walgreens
Sharon Steinmann/The Penny Hoarder

Walgreens Balance Rewards is a point-based system that offers 10 points for every $ 1 you spend in stores and online. You can also earn points on photo services and at the pharmacy.

You can track your points by logging in to your account or downloading the Walgreens app. You can redeem points as follows:

  • 1,000 points = $ 1
  • 2,000 points = $ 2
  • 3,000 points = $ 3
  • 5,000 points = $ 5
  • 10,000 points = $ 10
  • 18,000 points = $ 20
  • 30,000 points = $ 35
  • 40,000 points = $ 50

The best part is that you don’t have to rely solely on spending money to earn points. As a Balance Rewards member, you can also earn bonus points from paperless coupons, weekly ads and members-only perks.

Here are five ways to maximize your Balance Rewards.

1. Pay Attention to Your Receipts

How to get the most out of your Balance Rewards at Walgreens
Sharon Steinmann/The Penny Hoarder

Walgreens receipts give you a summary of your rewards balance, and they’re often accompanied by Register Rewards.

Register Rewards are coupons you can use on your next purchase. Sometimes they offer savings on a specific item or type of purchase. Other times, you can earn bonus points, such as $ 10 worth of bonus points with the purchase of $ 25 or more of eligible items. Register Rewards for specific items are usually labeled with a yellow tag, and they expire after two weeks.

Another reason to pay attention to your receipts — aside from using them to score cash back through Ibotta — is to keep track of your points. While it can be fun to let your points add up without paying attention, you could miss out on points, because… well… technology.

You can see your point activity for the last 90 days in your account and your transaction history for the last year and a half.

Just remember: You can’t earn points on some products, including alcohol, tobacco and dairy.

2. Check Out the Weekly Ads

How to get the most out of your Balance Rewards at Walgreens
Sharon Steinmann/The Penny Hoarder

If you don’t pay attention to the Walgreens weekly ad, you could miss out on deals and opportunities to earn bonus points.

For example, an August 2018 circular featured these offers for bonus points:

  • 3,000 bonus points ($ 3 reward) for spending $ 12 or more on participating products.
  • 5,000 bonus points ($ 5 reward) for spending $ 15 or more on participating products.
  • 10,000 bonus points ($ 10 reward) for spending $ 50 or more on participating products.

Participating products are usually within the same category — for instance, the offer featuring 5,000 bonus points included children’s or infants’ Tylenol, Benadryl, Motrin, Sudafed, Zyrtec and Desitin.

You can also find offers for bonus points and browse current sales, clearance items and online-only deals on the Walgreens site.

3. Save More With Paperless Coupons

How to get the most out of your Balance Rewards at Walgreens
Sharon Steinmann/The Penny Hoarder

Walgreens rewards also offers paperless coupons, which you can find through your Balance Rewards account or in the app. These include manufacturer coupons, along with special offers for bonus points.

You can “clip” these coupons right to your Balance Rewards account, so there’s no need to print or physically clip coupons — just present your rewards card or phone number at checkout, and the coupons will be applied automatically.

As of this writing, 545 paperless coupons were available. Some of the most recent offers were for 5,000 bonus points on purchases of $ 25 or more and 500 bonus points on Walgreens brand bath tissue.

You can filter coupons by category and sort them by expiration date, coupon value, brand name, recommendations or most recent. You can also view and clip upcoming coupons.

Paperless coupons can also be used for online orders, as long as your Balance Rewards card is linked to your Walgreens account.

4. Earn Bonus Points With Members-Only Perks

How to get the most out of your Balance Rewards at Walgreens
Sharon Steinmann/The Penny Hoarder

Walgreens Balance Rewards also offers members-only perks, which are usually opportunities to earn more bonus points.

One recent perk offered 10 times the points on purchases of $ 20 or more in stores or online between Aug. 12-25. So instead of earning 10 points for every $ 1 you spent, you would have earned 100 points for every $ 1.

Another members-only perk is the Beauty Enthusiast program, which offers 5,000 points for every $ 50 you spend on beauty products, including cosmetics, nail care, skin care, hair care, fragrances, beauty accessories, and bath and body products.

When you opt in, you’ll immediately receive a welcome email with an offer for 20 times the regular  points. You’ll also have access to exclusive promotions and samples, a personalized beauty profile, product picks, and expert tips and tutorials.

5. Get Even More Points for Making Healthy Choices

runners compete in a race.
Tina Russell/The Penny Hoarder

This is one of my favorite things about Walgreens Balance Rewards: You can earn points just for being healthy through Balance Rewards for Healthy Choices.

What I love most is it lets me automatically earn points for doing what I was already doing — tracking my health and fitness with devices and apps such as Samsung GearFit2, MyFitnessPal and Google Fit.

Points are earned by tracking your healthy choices, including:

  • Walking, running or cycling: 20 points per mile (limit 1 mile per day).
  • Exercise: 20 points per daily log.
  • Weight: 20 points per daily log.
  • Sleep: 20 points per daily log.
  • Blood pressure: 20 points per daily log.
  • Blood glucose: 20 points per reading (limit two readings per day).
  • Nicotine replacement therapy: 20 points per daily log.

And you don’t even have to connect apps or devices to earn points for healthy choices. You can still earn points by tracking your activities right from your account on the Walgreens website or app.

But if you do connect your apps and devices, you’ll earn 250 points per app and device. Plus, you’ll earn points without really thinking about it, as long as your activity tracker and fitness apps are all connected.

The maximum amount of points for healthy choices you can earn is 1,000 per month, which is equal to an extra $ 1 off per month. That may not be the biggest reward, but it’s great for a little extra motivation to keep your health and fitness goals on track.

If you’re an AARP member, you can an earn 50% more points for healthy choices, along with five times the points (50 points per $ 1) on Walgreens brand health and wellness products. You’ll also receive 1,000 points per vaccination you get at the pharmacy. All you have to do is link your AARP membership with your Walgreens Balance Rewards account.

After putting all of these tips to the test over the last month, I’ve saved a total of $ 17 from coupons and earned 21,000 points — enough for a $ 20 reward! I’m so proud of my new money-saving habits, I might just spend that $ 20 reward on something I don’t even need.

OK, not really. I’m saving it for the next time I run out of all of my bear necessities AT THE SAME TIME.

Jessica Gray is an editorial assistant at The Penny Hoarder. She had “The Bear Necessities” from “The Jungle Book” stuck in her head the entire time she wrote this post.

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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Saudi Arabia’s big money PR effort in the US is under scrutiny after journalist’s disappearance

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Start earning (and saving) money with these online finance courses

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If the extent of your knowledge of investing and finance was buying Beanie Babies back in the ’90s, don’t worry. These five online courses can teach you everything from how to buy and sell cryptocurrency to how to keep your checkbook balanced. 

Best of all is that each and every course is on sale. Check ’em out below:

1The Complete Cryptocurrency Course — $ 9.99

The Complete Cryptocurrency Course includes over 20 hours of insight and instruction from Chris Haroun, an award-winning MBA professor, and former Goldman Sachs employee. Even if you have zero experience with cryptocurrency or finance, by the end of this course, you’ll know all the essentials about mining, investing, and exchanging cryptocurrencies. Learn how to identify promising investment potential in a new cryptocurrency, and what the hell blockchain is and how it works. You’ll also learn about the different types of cryptocurrency wallets and the pros and cons of each, and how to read charts and identify when it’s time to buy or sell your cryptobucks. Read more…

More about Business, Finance, Cryptocurrency, Mashable Shopping, and Shopping Stackcommerce


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In refuting NYT, Trump cites the time value of money — CNBC explains what that means

CNBC breaks down Trump's tweet about the 'time value of money' in his dismissal of The New York Times investigation alleging tax fraud.
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