Here’s a Simple Way to Earn $20 Today… Just for Buying LaCroix

Me: “Whoa, I can get cash back for buying LaCroix?”

My brain:

“Don’t do it.”

“Don’t do it.”

“Don’t do it.”

Me: *Loads 10 LaCroix cases into the cart.*

How to Get up to $ 20 Cash Back on Your Next LaCroix Run

Relatable? Same.

When I land on the LaCroix section in Target, I lose self control. I want all the cases.

Before your next LaCroix haul, download Ibotta, a free cash-back app.

Why? For an undisclosed amount of time, Ibotta has TWO cash-back LaCroix offers:

  1. Earn $ 1 cash back on eight- and 12-packs of traditional LaCroix flavors.
  2. Earn $ 1 cash back on eight- and 12-packs of the LaCroix Cúrate flavors, which include cherry-lime, blackberry-cucumber and cantaloupe-pink grapefruit.

This LaCroix deal is good for your purchases at Target, Walmart, Publix, Safeway, CVS, Whole Foods, The Fresh Market and more.

You can redeem each of these two offers up to five times per receipt, meaning you could pull in a quick $ 10 in cash back on something you’d already be purchasing — all you have to do is snap a photo of your receipt.

Plus, if you’re a new Ibotta user, you’ll get a $ 10 bonus after your first cash-back claim.

That means at the end of today, you could have $ 20 transferred over to your bank account. Just 👏 for 👏 buying 👏  LaCroix.

When our deputy editor, Caitlin Constantine, spotted the Ibotta deal, she headed straight to Publix and grabbed four cases — a mix of key lime, grapefruit and passionfruit. She says it won’t take more than two weeks to finish off her stash.

“Not only would I do this again, I am going to do it again,” she says.

Finally, your lack of self control can pay off. Literally.

Carson Kohler (carson@thepennyhoarder.com) is a big fan of the cantaloupe-pink grapefruit favor. Yeah, it sounds weird, but it’s actually the best.

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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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE :

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Ready to Buy a Home? 6 Simple Steps to Save for the Down Payment

So you’re ready to stop renting, and we don’t blame you.

The price of rent has been steadily increasing since 2014, according to a recent Penny Hoarder analysis of Zillow data. As of October 2018, the median Zillow listing nationally for a two-bedroom rental is $ 1,646 a month.

Your other option is to buy a home, and that isn’t cheap, either. It’s a big commitment — but at least you’re gaining an asset and not funneling your whole paycheck over to a landlord.

If you’re thinking about buying a home, you’ll want to start saving for that down payment sooner than later.

Yes, it’s a big savings goal, but this guide will help you get on the right track.

Real Fast: What’s a Down Payment?

A down payment is the amount of money you pay upfront for your home — the money you’re putting down. Say you want to put 10% down on a $ 200,000 home; your down payment will be about $ 20,000.

This down payment goes directly toward you owning your home outright. What’s remaining will be covered by a mortgage loan. Like other forms of debt, you’re responsible for making monthly payments on that loan, which often include interest.

The more you’re able to put toward a down payment on a home, the lower your monthly mortgage rates — and the less you’ll pay in interest over time.

Pro tip: While you’re saving for a down payment, work to improve or maintain your credit score. The higher your credit score, the better chance you have to secure a mortgage with a low interest rate. If you’re not sure where to start, Credit Sesame is a free platform that allows you to see your credit score, credit report card and personalized advice.

How to Save for a Down Payment: Your Step-by-Step Guide

A down payment is different from any expense you’ve saved for before, including a car or a vacation.

“A down payment represents a ‘purchase’ that has longer-term consequences,” says Marc W. Lieberman, CFA charterholder and CEO of Shorepine Wealth Management.

“When you save for a vacation or a new TV, you are making a one-time purchase that likely does not have additional spending needs. A home is a purchase that requires constant maintenance and the financial wherewithal to maintain ownership.”

So how do you even start saving for such a big financial goal? Follow these six simple steps to start saving for what’ll likely be the largest purchase of your life.

No big deal or anything.

1. Determine How Much You Need to Save for a Down Payment

Woman doing finances
lamstocker/Getty Images

Before starting your savings journey, you’ll need to map out your goal. Here are some numbers to consider:

  • Generally speaking, what’s your budget for a new home? In your desired city and neighborhood, take a look at properties you’d be interested in and that meet your needs. To determine the maximum mortgage payment you can afford each month, personal finance guru Dave Ramsey suggests multiplying your monthly take-home pay by 25% (0.25).
  • How much money do you want to put down? Now that you have an idea of how much you want (or need) to spend on a home, consider how much you want to put down. Putting down 3% is considered low — but doable.

On the other hand, if you’re able to put down at least 20%, you’ll avoid making monthly payments for private mortgage insurance (PMI), which is generally 0.3% to 1.2% of your loan amount, according to Investopedia.

Don’t feel like you have to stretch yourself to pay 20% down, though. Say you take out a 10% down payment. Once you’ve made enough mortgage payments to hit 20% equity, you can cancel your PMI.

  • When do you want to make the big purchase? Set your timeline.

Remember: Buying a home doesn’t simply require a down payment. You’ll also need to consider closing costs, real estate agent commission, property taxes and homeowners insurance — just to name a few. You can find more details about closing costs in our first-time homebuyer’s guide.

Lieberman also suggests tacking on a 10% to 20% “slush fund” to your savings goal for any additional expenses. This can help cover any unforeseen maintenance required when first moving in. Even if you don’t need it (fingers crossed you won’t), it’s nice to have that just-in-case cushion.

Now, do some math. Calculate how much you’ll need to save each month — or week, if you prefer working on a smaller scale.

Using a mortgage calculator like this one from Zillow can be super helpful when playing around with these numbers.

2. Open a Separate Savings Account

A family at the bank
Tina Russell/The Penny Hoarder

Once you know how much you need to put away, start considering where you want to keep this savings. Keeping such a large chunk of money in your primary checking account is risky — just because it feels like that money’s at your fingertips, ready to spend.

Instead, open a separate, hands-off account. Lieberman suggests a high-yield-interest savings account.

Try an iOS app called Varo Money. Pair your Bank Account with a Varo Savings Account where you’ll earn 1.75% annual percentage yield. For context, one of my banks offers a savings account with an APY closer to 0.03%.

Additionally, you’ll pay no monthly service fees, no minimum balance fees, no foreign transaction fees and no cash replacement fees.

Lieberman also suggests looking into a laddered certificate of deposit (CD) portfolio.

Whatever you choose, remember this: You want your money to earn some interest, but you don’t want the risk (like you’d face with investing). You’ll also want to keep the money in an easily accessible account.

“The last thing you need is to miss out on a home because the cash wasn’t available for the down payment,” Lieberman says.

3. Adjust Your Budget

A father and son eating fast food
Kosamtu/Getty Images

Now that you know how much you need to save and where you’re going to stash that savings, it’s time to adjust your budget.

Take that monthly savings goal and build it into your budget as an expense. To make some room, you’ll likely have to cut down in other areas.

To get an idea of how you can tighten your budget, try using the free app Empower.

Link the app to your bank accounts, and Empower will track your spending. It will also categorize your spending so you can see exactly where you’re overdoing it.

Set a monthly spending limit and the app will show you a graph that can tell you in one snapshot just how you’re doing for the month. Are you over the line or under it? It’s that simple to see how you’re doing so you can adjust your spending accordingly.

It’ll take some finagling at first, but be patient — and realistic. Remember you’re saving for what’ll likely be the biggest purchase of your life, so it isn’t going to be totally effortless. 

4. Automate Your Savings

Woman looking at credit cards
Carmen Mandato/The Penny Hoarder

Now that you know you can afford to save these monthly sums, it’s time to automate your savings. This helps hold you accountable and makes the process easier and more hands-off.

“Automated savings is a wonderful way to trick your mind into living off of less,” Lieberman says. “It is amazing how much less one can live off of without even noticing the difference.”

If you’re using a savings account, set your paycheck to automatically deposit a certain amount (see Step 1) into that account.

The easiest way to do this is to adjust your payroll settings or see whether your bank will automatically do it for you — most do.

With Chime, for example, you can opt in to save a portion of each paycheck when you set up direct deposit. You can also turn on its round-up feature, which rounds up all your Chime debit card transactions to the nearest dollar. It’ll dump the digital spare change into your savings — a nice bonus.

You can also tap into an app. Digit is a great way to save toward a specific goal. Set your timeline and savings goal, and Digit’s algorithms will determine how much money you can afford to save, which will be stored in an FDIC-insured savings account.

Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward. If you’re saving for a big purchase, like your first home, that monthly fee could be worth it.

In all, automation is a great, hands-off way to keep building your savings — without obsessing over every penny.

5. Get Creative, and Cut Your Monthly Bills

Light bulbs hanging from ceiling
ArisSu/Getty Images

Outside of rent, your largest expenses are probably those monthly bills: electric, water, cable/internet, car insurance, student loan payments — you name it.

There are a number of ways to save on your monthly bills, but here’s a simple one to get you started: Download TrueBill, an app that’ll negotiate your bills, cancel unwanted subscriptions and refund your bank fees.

After downloading the app, create an account, and link your bank account and/or credit cards. Turn on the bill negotiation and outage protection features. Boom. TrueBill is already searching for potential refunds — it might get you a refund even when you didn’t know an outage occurred.

On average, Truebill says it helps customers save more than $ 700 a year by lowering their bills, canceling necessary subscriptions and getting refunds.

6. Increase Your Income

Dog walker
hedgehog94/Getty Images

If you’re still struggling to meet your monthly savings goal, you might need to boost your income.

Luckily, there are a ton of platforms that’ll help you start up a side gig, including one of our favorites: Rover. (Because dogs, duh.)

On Rover you can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Rover says sitters can earn as much as $ 1,000 a month — just for snugglin’ pups!

Other flexible side gig options include driving with Uber or listing your space on Airbnb.

You should also plan to bank any windfalls — big or small. If you get a raise at work, automatically dispense the difference into your savings. If you earn a holiday bonus, bank that, too.

You can work to sell off some items you don’t need, too. After all, you’ll be moving soon.

If you have an old smartphone, tablet or laptop collecting dust, snag a a buy-back price estimate from an online trade-in platform like Gazelle. For anything else, consider Letgo. You can list just about anything on there — from cars to clothes.

Moral of the story? Slide any extra money you make into that separate hands-of savings account to go toward your savings goal.

Another Option: Seek Down Payment Assistance

If you’ve followed these steps and are still struggling to save for a down payment — or don’t have enough time — look into down payment assistance programs in your city or state.

John R. Thomas, a certified mortgage planner and the Delaware branch manager of Primary Residential Mortgage, outlined a few nationwide assistance programs:

  • Federal Housing Administration (FHA) loans are government-backed mortgages for those who can’t afford to put a lot of money down. They’re a popular option for first-time homebuyers. In 2018, borrowers with a credit score of at least 580 could put down 3.5%, according to the FHA website.
  • If you’re a veteran, current servicemember or surviving spouse, you might qualify for a VA home loan, which offers competitive interest rates without a down payment or private mortgage insurance.
  • The U.S. Department of Agriculture (USDA) also offers a no-down payment option if you purchase a qualified home and borrow from a qualified lender. Although it caters to those purchasing a home in a rural area, the definition of rural is pretty broad. Be sure to read into the requirements.

Thomas assures prospective homebuyers that these programs are simple to look into in any state.

In the end, know that buying a home isn’t totally out of reach. Just be patient with yourself, and you’ll be able to put the money away.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She’d love to buy her first home sweet home… one of these days.

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.

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


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SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE :

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

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SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE :

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Football Concussion Rates Plummet After One Simple Rule Change, Study Shows

Concussions plunged in Ivy League football after the kickoff line was moved to thwart what might be the game’s most dangerous play, according to a study published Monday.

The aim of the 5-yard move was to have more kickoffs land in the end zone and reduce returns. That play is one of the only times “where players on both teams have the space to get up to full speed” rushing at each other and potentially risking a head-on tackle, said University of Pennsylvania researcher Douglas Wiebe, the lead author.

The 2016 change came at the recommendation of league coaches after data from the previous year showed kickoffs accounted for 6 percent of all plays but 21 percent of concussions. With NCAA approval, they moved the kickoff line from the 35-yard line to the 40. The touchback line was also moved, from the 25-yard line to the 20.

The NCAA approved the changes on an experimental basis for the eight private universities in the Ivy League. Other NCAA teams have kickoffs at the 35.

The researchers compared the two seasons since the change with the previous three years. They found the average concussion rate per 1,000 kickoffs plummeted from almost 11 to just 2.

Touchbacks increased to nearly 50 percent from almost 18 percent during the previous three years.

Concussion rates for other types of play were lower than those for kickoffs throughout the study years and only declined slightly after the rule change.

The research appears in the Journal of the American Medical Association. It was paid for by the Ivy League and Big Ten.

“It’s very promising that we’re able to see an effect like that,” said Zachary Kerr, a researcher in the University of North Carolina’s exercise and sport science department. Kerr, who was not involved in the study, said the NCAA should take the results seriously as it considers policy changes to reduce injuries.

While the Ivy League has been especially aggressive about modifying its playing and practice rules, all levels of football — from Pee Wee to professional — have taken steps to decrease the frequency of kickoff returns. The risks of the play, which creates high speed crashes, are common knowledge.

Dartmouth College Coach Buddy Teevens eliminated players tackling each other at most of his team’s practices — even before the Ivy League passed a league-wide rule about it. He also invented a robotic dummy that is used in tackling drills.

Teevens said the decision to push up the kickoff line was made collaboratively among the Ivy League’s coaches.

“Our thing for our game at our level has been productive,” he said. “I’m happy to see the results and share them with the country and certainly the NCAA and maybe other people follow suit.”

The NCAA implemented a new rule this season at all levels of college football that allows players to call for a fair catch on kickoffs that come down short of the end zone but inside the 25-yard line. A fair catch means the kick cannot be advanced and a ball carrier is not tackled. The result of the play is the equivalent of a touchback, where the ball is placed at the 25. The Ivy League uses the fair catch rule, along with kicking off from the 40.

Boston University concussion expert Dr. Robert Cantu, who was not involved in the research, considers the return “the most dangerous play in football.” He noted that after data showed NFL concussions overall increased slightly last season, the league’s rules committee considered eliminating the kickoff return, but decided not to.

“The Ivy League is really leading the charge into bringing about rule changes to make football safer,” Cantu said.

In 2011, the NFL moved the kickoff line to the 35-yard line from the 30, but a published analysis concluded that overall kickoff play injuries dropped but not head injuries.

While the Ivy League’s rule was an experiment, the study results likely will solidify it as formal policy, Wiebe said.

“It’s a real public health success story,” he said.

___

AP College Football Writer Ralph D. Russo contributed to this report.

Sports – TIME

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Women Supporting Other Women: 4 Simple Ways

At the United State of Women Summit earlier this year, Michelle Obama said, “So many of us have gotten ourselves at the table, but we’re still too grateful to be at the table to really shake it up. It’d be nice to have a collective of black women who are opening up spaces for each other, or making strategic moves to raise the visibility of black women within the industry, and not just who’s on the cover of the magazine but behind the scenes too. I don’t think it’s solely white people’s job to do that. There needs to be more of a push from us to stand together.” I couldn’t agree more.  Whether you’re a CEO, engineer, scientist, chef, or teacher, you have the power to support and create spaces for women of color.

Supporting other women means you’re being intentional about how you show up in life and business. Showing up means you’re mentally present while listening and speaking up for yourself as well as others. Ready to take the lead? Try the tips below.

1. Bring another woman’s projects, products, services, or accomplishments into a discussion when they’re not in the room. Here are a few examples:

  • If you realize a woman wasn’t given proper credit for an idea that she shared during a meeting, speak up for her. For example, during an interview with Politico Magazine, Wendy Sherman, former Undersecretary of State for Political Affairs, recalled an unspoken rule she and her female colleagues demonstrated during meetings. “When any man commented by repeating something that had been said earlier by a woman, one of the other women at the table would jump in. “I’m glad you agree with what _________just said,” or “That builds nicely on the point ______made just before.”
  • If you’re attending a high profile event like an awards show or conference, wear an outfit by an up and coming fashion brand or designer. The number of influencers and celebrities who speak about women’s empowerment, but fail to demonstrate their support for other women who are underestimated or underrepresented in an industry always amazes me. Simply put, talk less, act more, and lead by example.
  • If you’re in a meeting with someone who’s looking for a new team member, recommend another woman for a project by sharing her accomplishments or experiences.

2. Look beyond numbers. When looking to hire a speaker, business coach, or new employee, there’s still a lot of pressure to have a massive social media following. Unfortunately, follower count often equates to trust and traffic, but this misconception often leads to confusion and missed opportunity. Your number of followers don’t always equate to sales, engagement, or new customers. Instead of focusing on their number of followers on social media, assess their engagement. What’s the value they deliver to their audience? What are their perspectives on challenges and trends in the field?

3. Keep it real by sharing your setbacks, resources, and connections. Go beyond dolling out fluffy advice like “just do it, never give up, or believe in yourself.” Describe the sacrifices that helped you become successful. What are the names of the tools and resources that helped you succeed? As more women keep it real about how they worked through their challenges, it helps to uplift and equip other women with the resources they need to bridge the gender gap in leadership, business, etc.

4. Choose collaboration over competition. Regardless of your role, it starts with you. Bury your ego and insecurities about sharing the spotlight because the truth is we are stronger in numbers. Plus, no one wins in life or business solely by their own efforts.

In the workplace, you can promote an environment of collaboration by asking for another person’s viewpoints. In business, a successful leader recognizes the power of identifying the gaps in their skill set, operating in their zone of genius, and confidently hiring people who can close the gap.

The post Women Supporting Other Women: 4 Simple Ways appeared first on Black Enterprise.

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