Love cute cafes? These are the best cafes in the world

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Big fan of coffee? Love having somewhere cozy to spend time with your friends? If that’s the case, you probably love nothing more than settling down with a nice cup of joe in a café. You likely know all the best places to go in your hometown, but what about in other cities around the world? If you need somewhere to enjoy a coffee or two while on vacation, you should probably check out these cute cafés.

Fukuro No Mise (Tokyo)

For all the animal lovers out there, cafés are some of the best places to go. Cat cafés have been popping up all over the world, but it’s not just felines that call these places home. The name Fukuro No Mise translates to Café of Owls, so we’re sure you can guess what animals you’ll find at this establishment. If you’re still not over the loss of Hedwig in the final Harry Potter book, you can drown your sorrows by petting some owls at this cute Tokyo café. Just try not to get too excited. The Owls might be tame, but they’re still birds of prey.

Snakes and Lattes (Toronto)

What’s more relaxing than playing a board game with your friends? Okay, so maybe it’s not that relaxing, but it’s a great way to pass an hour or two while you settle down with some tea or coffee. Plus, at Snakes and Lattes in Toronto, you have a choice of hundreds of classic games to get through while you let your competitive streak run wild. The cute café even hosts its own gaming events every so often, giving you an excellent chance to prove your talents to enthusiasts from around the world.

Big Knit Café (Bangkok)

Nothing says cute and cozy like a knitted scarf or jumper. Luckily, if you’ve no idea what you’re doing with a ball of yarn and some needles, you can learn everything you need to at the Big Knit Café. The establishment offers plenty of tutorials to newbies as they sip on their coffee and enjoy a relaxing afternoon in Bangkok. For those already in the know, there’s plenty of yarn lining the walls that you can take to your table and start working on. Now you just have to decide what it is you want to knit.

Chillout Ice Lounge (Dubai)

You don’t go to Dubai if you can’t handle the heat. However, if the high temperatures prove to be too much for you, at least the Chillout Ice Lounge is designed to cool visitors down. Nearly everything in the establishment is made from ice, including the couches, making it the perfect place for some relief from the heat. Hot chocolates are the drink of choice here, and they’re recommended for staying warm in the subzero café. Things can get so cold that you’ll probably be grateful to return to the Dubai heat once you’ve finished your drink.

There are so many amazing places to enjoy coffee around the world, but these spots take the traditional café to the next level. You’ll want to add them to your bucket list.

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The post Love cute cafes? These are the best cafes in the world appeared first on Worldation.

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Scouted: Stash Your Travel Tech in One of These Gadget-Friendly Bags

There’s no shortage of laptop bags out there: some are stylish, some have soft pockets for your phone, while others are camera-friendly or full of internal organizers for your stuff. But if you’re a serious gadget hound, you might be interested in a bag that takes tech-focused features to the next level.

Breeze Through TSA with a Butterfly-Style Bag

If you travel a lot, you know how much of a hassle it is to take out your laptop at every security checkpoint. Some bags get around this by allowing the laptop compartment to open butterfly-style, so you can lay it flat on the conveyor belt and zip it back up when you’re done. The $ 180 Incase EO is one of the most well-reviewed bags in this style, though the Timbuk2 Uptown backpack is a solid budget option for $ 75. If neither of those are quite your style, there are a ton of options on Amazon if you look at their Checkpoint-Friendly section. (And if you don’t use a laptop, you don’t need to worry about TSA, so check out the Osprey Pixel Port Daypack—it puts your tablet in a clear pocket under the flap so you can use it without taking it out of the bag.)

Read more at The Daily Beast.

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These are the biggest takeaway trends of 2019 according to Deliveroo

Anybody for a cup of fermented tea?

2019 food trends
Westend61/REX/Shutterstock

Although we’re always partial to a KFC or sneaky Domino’s, ever since Deliveroo launched in the UK they’ve basically proved it’s possible to get a restaurant-quality takeaway and changed the game. (And our poor bank accounts.) This year, we’ve tried basically every Vietnamese restaurant with ordering distance and hunkered down with some Mexican cuisine in our pyjamas but according to Deliveroo, we could be singing a very different tune next year. The delivery platform revealed what the top five food trends of 2019 to Her.ie are going to be and well, it’s good news for vegetarians.

They’ve anticipated that next year, people are going to take a major interest in ‘healthy frozen savouries’ so you could find yourself picking up some avocado ice cream at the supermarket. They claimed that 2019 heralds ‘the international adoption of savoury and healthy ice creams’ and ‘vegan and veggie variations of ice cream are certainly expected’.

2019 food trends

REX/Shutterstock

Biltong and crisps are going to take more of a backseat in 2019 as one kind of divisive form of cuisine is on the rise, as they believe ‘sea snacks’ are going to become popular. In fact, there’s already been a big jump in interest as Deliveroo said, ‘With an already abundant and rich marine life, Deliveroo has already seen an increase of 59 percent in seafood orders across the platform.’

Even if you know some ride or die meat eaters, Deliveroo’s also predicted that there’s a new eating trend that’s going to change things: something called ‘flexitarianism’. They explained, ‘We have witnessed veganism explode in Ireland, with Deliveroo restaurant partners increasing their vegan-friendly options by a staggering 100 percent and a 73 percnet increase of vegan orders on the platform in 2018.’

“As the lifestyle gathers more speed in the new year, Deliveroo predicts an increase in Flexitarianism,’ they continued, ‘where customers will dip in and out of meat dishes in favour of #MeatlessMonday and #GreenSunday.’

2019 food trends

Voisin/Phanie/REX/Shutterstock

As the world grows more eco-conscious, so will the food trade next year. Deliveroo’s predicted that their merchants are going to ‘introduce innovative ways to reduce daily waste, by using the likes of root vegetable leaves to make tasty and flavoursome pestos to accompany dishes’.

And finally, the boom of fermented food and drink over in California is apparently going to make a splash in the UK. Deliveroo particularly honed in on kombucha, a fermented tea, saying, ‘Hailed as a miracle drink, it packs a probiotic punch for gut health. Seeing as Ireland’s unofficial national drink is tea, this fermented version is sure to be a key 2019 healthy hit.’

So, what do you think? We personally aren’t super into the idea of swapping out a cheesy pasta for mouldy tea TBH, but to each their own.

The post These are the biggest takeaway trends of 2019 according to Deliveroo appeared first on Marie Claire.

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Do These 11 Things Now to Set Your Finances up for the Next 20 Years

It’s so hard to plan ahead. It’s even harder to plan way, way ahead — like 20 years into the future. I mean, some of us have trouble planning more than a week in advance. I know I do.

Financially speaking, we should all be planning for the future — at least a little bit. The question is, how can you set yourself up for success in the future? What can you do with your money right now that you’ll be happy about in 20 years?

We’ve got some ideas. They’re mostly about improving your financial habits — with a little technological help.

Save Without Thinking About It

woman on phone at night

Automate, automate, automate. Harness technology, and make it do the work for you so that in 20 years, you’ll be prepared for the next step, whether that’s buying a new home, traveling the world or retiring.

Set things up so a certain amount of your money gets automatically funneled into savings, investment and retirement accounts. That way, you can build wealth without thinking about it.

1. Let This App Save for You (and Get $ 5 Free!)

It helps if you can save money without really noticing it.

Digit makes that possible. Link the app to your checking account, and it will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Bonus: Penny Hoarders get an extra $ 5 just for signing up. Additionally, savers will receive a 1% bonus every three months. Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward.

Pro tip: In the long run, you’ll need a smart place to store your savings. There’s no law that requires you to bank the old-fashioned way — at a brick-and-mortar bank with a crummy interest rate on your savings.

An app called Varo Money offers a savings account where you’ll earn 1.35% annual percentage yield. That’s more than 20 times — repeat, 20 times — the average savings account, based on a 0.06% average reported by CNN Money.

2. Invest Your Spare Change

To automate your investments, consider starting an account with Acorns. Use its “round-up” feature. That means if you spend $ 10.23 at the grocery store, 77 cents gets dropped into your Acorns account.

Then, the app does the whole investing thing for you.

The idea is you won’t miss the digital pocket change, and the automatic savings stack up faster than you’d think. For example, we reviewed how Penny Hoarder Dana Sitar was able to save at a rate of $ 420 a year!

The sooner you start investing, the better off you’ll be 20 years from now.

The app is $ 1 a month, and you’ll get a $ 5 bonus when you sign up.

Think About Retirement… Now

senior couple out on the beach

If you have a 401(k) plan through your employer, you should be contributing money to it with every paycheck. If you don’t have one, consider opening an IRA, an individual retirement account. It’s a retirement savings plan you can put money into without going through an employer.

Like with investing, the sooner you start saving for retirement, the better off you’ll be in 20 years.

3. Get a Free Look at the Health of Your 401(k)

If you’re like most people, you have no idea whether you’re on pace for retirement or just sputtering along. Chances are your 401(k) could be doing a lot better.

Take control with help from Blooom, an investment advisory firm that can optimize and monitor your 401(k) for you.

It just takes a few minutes to get a free 401(k) analysis that will show you whether your investments are allocated properly and whether you’re losing money paying hidden investment fees. It’ll even tell you just how much more money your account could earn by the time you want to retire.

After that, if you sign up, it costs $ 10 per month to have Blooom monitor and maximize your 401(k). Bonus: Penny Hoarders get the first month free with the code PNNYHRD.

Manage Your Credit and Debts

man holding credit cards

In the long run, you’ll be in good shape if you maintain good credit and deal with your debts. If you’re smart and strategic about this now, it’ll pay dividends over the next couple of decades.

4. Get Your Credit Under Control

Keeping tabs on your credit score and your credit reports can help guide you to a financially healthier life — especially if you use a free credit-monitoring service like Credit Sesame. It gives you personalized suggestions for improving your credit.

The better your credit, the better off you’ll be when you’re getting a home or car loan. Credit Sesame can estimate how big a mortgage you might qualify for, for example.

Here’s our ultimate guide to using Credit Sesame.

5. Kill off High-Interest Debt

Most of us have got debt — student loans, car loans, credit cards, maybe a mortgage. But not all debt is created equal.

Be strategic. Pay down your high-interest debts first (while still paying the minimum balances on all your other debts).

That way, you’ll spend significantly less money on interest payments over the long run. As the years pass, your high-interest debts should start to disappear. In 20 years, you shouldn’t have any.

This is commonly called the debt avalanche method.

Your highest-interest debts are probably your credit cards. And at the bottom of the list? Probably your federal student loans, which tend to come with favorable interest rates and flexible repayment options.

6. Lower Your Interest Rates

Target that credit card debt first. A lot of us are being crushed by credit card interest rates north of 20%. If you’re in that boat, consolidation and refinancing might be worth a look. Pay off your high-interest debt with a lower-interest personal loan

Here’s an easy way to do that: Fiona, a search engine for financial services, can match you with the right personal loan to meet your needs.

Fiona searches the top online lenders to match you with a personalized loan offer in less than 60 seconds. Its platform can help you borrow up to $ 100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.

Establish a Budget-Conscious Lifestyle

interior of a car in new york city

We’re not asking you to radically change your life. That’s not realistic. You don’t have to suddenly start living like a monk or anything.

Still, to set up your finances for the next 20 years, it’d be smart to establish some new habits.

7. Cut Your Food Budget

Groceries will be a huge part of your budget for the long run, so it’s worth taking a few steps to shop smarter. Here are our favorite tricks to save money on groceries:

  • Look for free printable coupons.
  • Compare your local grocery prices using this worksheet.
  • Earn cash back. Ibotta pays you cash-back on purchases if you take pictures of your grocery store receipts. Plus, you’ll get a $ 10 bonus for signing up!

8. Spend Less on Car Insurance

Car insurance will likely be a constant expense for you. That’s why it’s worth shopping around for a new policy every now and then. (Most people don’t bother.)

Just like you compare the prices of flights, shoes and laptops before purchasing, why not compare car insurance?

The Zebra, an online car insurance search engine that offers “insurance in black and white,” compares your options from 204 providers in less than 60 seconds.

9. Look Into Life Insurance

Because we’re thinking about the long term: If you have a family, the last thing you want is to leave them without any financial support once you’re gone.

Maybe you should think about life insurance, which pays your dependents a set amount of money if you die. You might at least look into a basic policy that would pay off your funeral, mortgage or other debt.

Ethos can get you term life insurance in less than 10 minutes — with no medical exam — for coverage up to $ 1 million. Ethos offers a digital application, and customer service is available if you have questions.

Make More Money

interior of an airbnb listing

In 20 years, you’ll want to be making more money. Ultimately, that’s up to you and your career path. In the meantime, we’ve got a couple of shortcuts to help you pad your bank account.

10. Get a Side Gig

To set yourself up for the long term, it helps to have more than one source of income.

Look for ways to earn extra money on the side. Here are a few options:

  • As a partner driver with Uber, you’d be an independent contractor. You’d set your own schedule and drive as much or as little as you want. You must be at least 21, have a valid driver’s license and pass a background check. Your car must be a four-door, registered in-state and covered by in-state insurance.
  • List a guest room on Airbnb, which could help you make hundreds — or thousands — in extra income each month. We’ve discovered you can list just about anything through the platform, including couches and backyard tents.
  • Here’s our guide to making extra money online.
  • Here’s our beginner’s guide to earning passive income.

11. Use a Rewards Credit Card

To earn a little extra cash, look at getting a rewards credit card. The rewards can really add up over time.

For instance, an option like the Chase Freedom Unlimited card* enables you to earn an unlimited 1.5% cash back on all your purchases. (Hello, grocery store!) Plus, if you spend $ 500 in your first three months of opening the card, you’ll pocket a $ 150 bonus.

Keep in mind that there are different types of rewards credit cards, so make sure to get the kind that works best for you:

  • Cash back credit cards are the simplest, because they just give you a portion of your spending back as a rebate.
  • Travel rewards cards offer miles, flights, hotel stays, car rentals and more.

Here’s our basic primer on rewards credit cards, and here’s our list of nearly 40 ways you can increase your earnings from your rewards cards.

No matter what, make sure to pay off your bill each month so you’re not paying interest on a balance.

*The information for the Chase Freedom Unlimited card has been collected independently by The Penny Hoarder. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The Penny Hoarder is a partner of Credible.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He tries to plan at least a couple days in advance.

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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It’s OK to Stop Saving Money If You’re Doing One of These 6 Things

At 7, your goal was to save enough money so you could buy that new toy all the kids were raving about.

At 18, you just wanted to scrape up enough to stock up on ramen for the week.

At 23, your cohorts started talking about emergency funds, and you thought, “OK, I probably need a little nest egg of my own, too.”

At 27, you started counting down to retirement — only about 40 years away… Better start saving now.

And you’re still saving.

You’ve basically been saving money your entire life. Is there ever a time you’ll be able to stop saving money? Perhaps even — gasp — spend it?

Short answer: Yes!

6 Times It’s OK to Stop Saving Your Money

We’ll forever encourage people to save their pennies, but, depending on your financial situation, sometimes it’s OK to stop saving, even just for a little while. Come on; you’ve earned it, right?

Breathe a sigh of relief. It’s OK to stop saving money if you’re…

1. Investing in Causes You Care About

Hand of person holding light bulb

Once you have a nice rainy day fund saved, investing can be a great way to grow your money. In a way, you’re still saving money — but know risk is always associated with investing.

You’ll want to make sure you’re using your hard-saved money to support companies you actually believe in — their morals and values. You probably wouldn’t want to invest in a company that’s destroying our oceans or cheating the system.

Impact investing is a simple fix. It adds a new layer of transparency to investing. Take Swell Investing, an SEC-registered investment adviser committed to supporting sustainable companies.

Its Impact 400 portfolio features companies whose products and services align with the United Nations Sustainable Development Goals. It considers everything from gender equality to ending poverty to clean energy.

You can start with just $ 50 and invest in this or other portfolios committed to clean water, zero waste, renewable energy or disease eradication, to name a few. Plus, you’ll get a $ 50 bonus with the code PENNY after making your initial investment.

Swell doesn’t have any trading fees, price tiers or expense ratios. It charges a 0.75% annual fee — that’s about the cost of one coffee ($ 3.75) per year if you invest $ 500.

Disclosure: We have a financial relationship with Swell Investing LLC and will be compensated if consumers apply for an account and/or fund an account with Swell through links in our content. However, the analysis and opinions expressed here are our own.

2. Signing up for Life Insurance

If you have a dependent or two, you’ll want to think about life insurance. Sure, it’ll cost you a monthly fee, but it’ll help ensure your family will be financially sound if (goodness forbid) anything happens to you.

Plus, finding life insurance doesn’t have to be the complicated, research-intensive experience you might expect. Some newcomers in the industry are updating the old model.

Ethos can get you term life insurance in less than 10 minutes — with no medical exam — for coverage up to $ 1 million. Ethos offers a digital application, and customer service is available if you have questions.

It partners with a major life insurance carrier to quickly offer policies as low as $ 6 a month. It’s helped thousands of folks access term life insurance, including independent contractors who use Uber, Postmates, TaskRabbit and other gig apps.

So even if you have to take $ 6 out of your savings each month, life insurance could be worth it — for that peace of mind.

3. Paying off Your Credit Card Debt

TPH photo editor, Alexa Vincent, in various scenes showing credit card debt, consolidation and bankruptcy on August 14, 2018.

A lot of us are being crushed by credit card interest rates north of 20%. That can make paying off your debt feel like this never-ending cycle — and can even cost you thousands of extra dollars over time.

If you have a nice savings cushion, it could be beneficial to pause your savings for a couple of months and pay off your debt more quickly to alleviate the pain of tacked-on interest.

See if you can make your debt a little more manageable first by consolidating or refinancing with a personal loan.

A good resource is online lending platform Upstart, which can help you find a loan without relying on only your conventional credit score.

Unlike traditional underwriting models that use only the common FICO scoring model, Upstart’s technology looks at factors like your education and employment history to determine your creditworthiness (though it does require a 620 credit score).

It can help you borrow up to $ 50,000, potentially with better terms (e.g. lower interest or lower monthly payments) than traditional lenders. If managing many different bills and credit lines is a hassle, you can also use an Upstart loan to streamline all of your loans into one.

4. Preparing for a Happy Retirement

Because you’re already into saving, you probably have a 401(k). Kudos for that, but is it doing what you need it to?

Chances are, your 401(k) could be doing a lot better. Take control with help from Blooom, an SEC-registered investment advisory firm that can optimize and monitor your 401(k) for you and keep it speeding toward retirement.

It just takes a few minutes to get a free 401(k) analysis that will show you whether your investments are allocated properly and whether you’re losing money paying hidden investment fees. It’ll even tell you just how much more money your account could earn by the time you want to retire.

After that, if you sign up, it’s just $ 10 per month to have Blooom monitor and maximize your 401(k). Bonus: Penny Hoarders get the first month free with the code PNNYHRD.

Think of Blooom like a mechanic constantly fine-tuning your car’s engine so it gives you the best possible performance and gas mileage. Except it’s your 401(k) — and your future.

5. Treating Yourself With a Reward

woman carrying shopping bags

You know how most healthy people talk about the importance of cheat days? To let yourself indulge — just a little. The same goes for personal finance. You can be as budget abiding as you want, but you have to leave a little bit of wiggle room to treat yourself.

If you haven’t gotten a pedicure in at least a decade, escaped city limits for a weekend away from the kids or splurged on a new gadget, then maybe it’s time. But please do so responsibly.

Make sure you’re getting the most bang for your buck with these tools:

  • Ibotta: With Ibotta, you can bank cash back when you make an Amazon purchase, sign up for Hulu, book your next vacation or even order groceries through Shipt. Plus, if you sign up now, you’ll snag a $ 10 bonus when you claim your first cash-back offer.
  • Paribus: This tool gets you money back for your online purchases. If it discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund when there’s a price drop.
  • When you’re spending money, always, always be sure to keep tabs on your budget to make sure you’re not overspending. If you don’t yet have one, the Empower app is a powerful budgeting tool that can help you figure out how you’re spending your money and develop a budgeting plan to keep you on track.

6. Buying a Home

Perhaps for the past few years, you’ve been saving for a down payment. That’s great! Now, you’re ready to buy your first home.

In those first couple of months of homeownership, though, don’t feel bad if you have to pause your savings. Expect a lot of expenses to pop up: closing costs, real estate agent commission, property taxes, homeowners insurance, last-minute repairs — just to name a few.

Get all of that taken care of as you settle into your new abode. After a few months, once you’re getting back into the swing of things and are coasting along with your monthly mortgage payments, you can start saving again.

Time to Resume…

Sure, depending on your financial health, there are certain life events, investments and money moves you can justify pausing your savings for. But the break can’t last forever — you’ll need to resume your savings at some point.

After all, you never know when you’ll need the savings. That newest and hottest toy of the season could hit the shelves any minute.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She’ll forever be saving 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.

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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These are the must have best Tech Gifts for Christmas 2018

Marie-claire-best-tech-gifts

Words by Megan C. Hills and Sunil Makan

From the wireless headphones to speakers with built in Alexa and fitness trackers to hair straighteners these are the best tech gifts for Christmas 2018.

Fitness trackers

Oura Heritage Ring

tech gifts 2018

Prince Harry is known to wear one of these and if it’s good enough for the Duke, it’s good enough for us. Smaller and sleeker than a chunky tracker bracelet, these stylish Finnish rings are packed with a ton of sensors and other tech. The Oura ring tracks your activity, sleep and keeps tabs on everything from your body temperature, steps and even your breathing. Available in several different shades, it’s a pretty nifty piece of tech and syncs to an app on your phone.

Rings start at £279, available at Oura

Buy now

Hair straighteners

ghd Gold – Glacial Blue Professional Styler

tech gifts

A great hair styler is a total investment piece and luckily, ghd’s released a luxe icy blue version of their best-selling product. Designed to both curl, straighten and keep your hair looking smooth and sleek, it’s as tech-forward as they come with two heat sensors to optimise the temperature.

Priced at £139, available at lookfantastic

Buy now

Tech teen gifts

Super Mario Party

tech gifts

Nintendo stans have been waiting a long time for this classic party game and it’s finally dropped. If you thought Mario Kart could get competitive, you’ve obviously never given Mario Party a go as you’ll have to compete with one another to win mini games and collect the most stars.

Priced at £49.99, available at Nintendo

Buy now

Tech geek gifts

Sphero Star Wars BB-8 App Enabled Droid

tech gifts

If you or someone you know is a massive Star Wars buff, this little droid is the perfect gift. Perfect for if your landlord won’t let you have a pet, you can instead grab BB-8 from the new gen of Star Wars and make him roll around from an app on your phone. For those who are more old school, there’s also an R2D2 version.

Priced at £96.48, available at Amazon

Buy now

Tech gifts for kids

littleBits Avengers Hero Inventor Kit

tech gifts

It doesn’t get much cooler than this. This Avengers-themed kit both teaches kids how to code and make their own superhero identity a reality. It syncs up to an app which will help walk them through step by step how to assemble the electronic building blocks to create circuits and bring cool new powers to life.

Priced at £149.99, available at Amazon

Buy now

Tech gifts under £50

Echo Dot (3rd Generation) Smart Speaker with Alexa

tech gifts

Ever wanted to channel your inner Tony Stark and have your own computerised butler? Amazon’s upgraded their voice-controlled speaker and it’s enabled with Alexa, their digital assistant. If you give her a shout, she’ll be able to do things like help you stream music from Spotify, check the weather, set alarms and even work with your other smart home products if you’ve got them.

Priced at £49.99, available at Amazon

Buy now

 

Shark DuoClean Cordless Upright Vaccum Cleaner with Powered Lift-Away and TruePet IC160UKT

Shark DuoClean Cordless Upright Vacuum Cleaner with Powered Lift-Away and TruePet IC160UKT

The new Shark DuoClean Cordless Upright With Powered lift-Away and TruePet, is designed for homes with pets. You wouldn’t expect such great performance from such a lightweight and cordless vaccum bit it really does make light work of the whole vacuuming thing. And, with an impressive battery run time to boot. Huge thumbs up from us.

£479.99 from Shark.

Buy Now

 

RIVA Concert Speaker, Compact & Portable Smart Speaker, £199

RIVA Concert Speaker, Compact & Portable Smart Speaker, £199

This powerhouse of a speaker which features RIVA’s Patented Trillium Audio Technology – which means impressive surround sound without distortion at any volume – has Alexa built-in and several methods of connectivity.

£199 from Amazon.

Buy Now.

 

Mophie power station plus 600 Universal Battery with Lightning Connector, £69.95

Packing an impressive 20 hours of extra life in here (around 4 charges) this handy Mophie power station with integrated Lightning cable is a real game changer.

£69.95 from Apple.

Buy Now.

The post These are the must have best Tech Gifts for Christmas 2018 appeared first on Marie Claire.

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Same Job for Many Years? These 5 Tips Will Help You Reinvent Yourself

After 10 years in human resources at a nonprofit, Laura Niebauer Palmer figured she wouldn’t have any problem finding a new HR job when she and her husband moved from Chicago to Austin, Texas.

Then she started reading the job postings — which asked for advanced training and experience with programs she didn’t use — and realized her old skills weren’t marketable for a new position.

“My heart sank,” the 38-year-old says. “I was like, “What am I going to do? How am I going to bridge this gap?’”

So how is it that 10 years of experience could become a detriment rather than a strength for a job candidate?

Many longtime workers are falling behind on the skills required in rapidly changing industries, according to Alvin Nesbot, the New York City market manager for Manpower.

“People who are just joining the job market — maybe within the past three to five years or so — are making moves a lot faster than people who have been working for 10-plus years,” Nesbot says. “There are those people who have worked a lot longer who have stayed in a lull and gotten stagnant.”

And it’s not just another co-worker who’ll offer the skills you’re lacking — at least, not a human one. It’s estimated that half of the work activities companies pay people to do could be automated by 2055, according to a study by the McKinsey Global Institute.

If you’re worried your field is going the way of the dinosaur, here are some alternative jobs for dying industries. But what if you like your industry and just want to change jobs? Read on for strategies for making a change after years in the same gig.

How to Make a Career Change

Laura Niebauer works on her laptop while holding her infant son at home.

If you’re a bit unsure about what’s happening outside your cubicle walls, here are five strategies for avoiding — or escaping — a dead-end job.

1. Network for a Job

Leaving your comfort zone to network may seem intimidating, but it’s a great way to find out what is going on in your industry. It’s part of the reason it’s so important to maintain networking relationships even after you have found a job.

Being around your peers is not only helpful for finding contacts for the next job but also for discovering what credentials and terminology are becoming more prominent within your field, according to Palmer.

“You have like-minded people to bounce ideas off,” he says. “Also, it’s very eye-opening when you’re around a bunch of people and they’re having conversations about topics you don’t really know about or are using acronyms that you’re like, ‘Wait, what does that mean?’”

And if the thought of a networking event makes you break out in hives, try one-on-one networking with former colleagues, Palmer suggests.

“What I would have done differently is definitely caught up with people who had left the company,” he says. She adds that by asking about the transition to new roles, you’ll get a better idea of what technology and skills are in demand outside your office.

2. Update Your Resume

If your resume touts WordPerfect expertise and includes your AOL address, it’s probably time for a resume makeover. (Also, stop wearing that sundress over a T-shirt.)

Reading your resume with a critical eye is essential for identifying skills or programs that are no longer relevant for your position, according to Nesbot.

“What you were doing seven to 10 years ago is not going to be relevant or as important as what is going on today,” Nesbot says. “Are there things making [your resume] look dated?”

If it’s been a couple of presidential administrations since you last updated your resume, you may want to start fresh. (Here’s a guide to writing a professional-looking resume.)

But starting over doesn’t mean you have to forget your past experiences. Instead, take some time to compile a comprehensive list of training and accomplishments, Nesbot suggests.

“Sometimes we don’t look at our resumes in a while, and we realize there are things we’ve been doing that we haven’t highlighted,” Nesbot says. “Include any certifications or training that you’ve done to help set you apart from any other candidate.”

Once you have your list, compare it to current job postings and craft your resume so it includes recent credentials and popular terms within your industry.

“Make sure you have buzz words that are going to stand out to whoever is reading your resume,” Nesbot says.

3. Find a Mentor

Palmer holds her son in his nursery.

Once she got to Austin, Palmer ended up at a staffing agency looking for work. The agency placed her in a temporary three-month position to fill in for a woman on maternity leave.

Palmer used those months to take advantage of the in-house training department to connect with someone who could provide long-term career advice.

“The biggest part that helped me develop was the mentorship that I had with my boss,” she says. “I learned so much from her; my confidence rose 100%.

You can’t replicate that with a course.”

At the end of her temporary gig, the company offered Palmer a full-time position in the HR department.

4. Volunteer for Experience

Rather than repeating past mistakes, Palmer says, she took the opportunity at her new job to question what she really wanted in the next five or 10 years — and it turns out, it wasn’t HR.

After spending some time figuring out what she really wanted to do, Palmer decided than rather than pouring money into additional education, she’d offer to work for free in exchange for the experience she was lacking.

“I volunteered at two organizations, and one of them specifically was something that I wouldn’t have been able to land a job at because I had no experience,” Palmer says. “But when you say, ‘Hey, I can volunteer for this,’ then they’re like, ‘Great, we have somebody who has a lot of time and is really excited about this. We’ll put some training into them.’”

Thanks to that experience, Palmer was able to snag a part-time job at a small company, which allows her to spend time with her infant son as well as write articles sharing her expertise — including some for The Penny Hoarder.

5. Apply for Jobs Before You Need One

Even if you’re happy in your job right now, it doesn’t hurt to start investigating what’s out there.

After all, the best way to discover if you’re growing or stagnating in your career is to find out if someone will hire you — and there’s always a chance you’ll find your dream job in the process, Palmer points out.

Look at the jobs right now and actually apply to them and go through interviewing,” Palmer says. “I don’t think there’s anything wrong with that to see where your skills are — if they’re lining up with what is currently needed in the market.

“But you also might land a job that you didn’t even know you wanted.”

Why You’re Not Job Hunting

Laura Neibauer plays with her infant son in his nursery in Austin, TX.

Reevaluating your skills every few years takes some work, but the rewards are a more fulfilling career with greater chances for growth. Admittedly, that can be hard to do when you’re happy — or at least satisfied — with your current position.

Your salary and benefits might tempt you to stay put, but you’ll suffer in the long run if you’re too scared to change, according to Palmer. She notes part of the reason she stayed at her first job for so long was the generous paid time off and health care coverage.

“It’s hard because you’re trying to balance furthering yourself but also realizing if you further yourself, you’re taking a risk,” Palmer says. “ But if you’re looking to grow in your career… you need to challenge yourself.”

Tiffany Wendeln Connors is a staff writer with The Penny Hoarder. She likes all kinds of change, but pennies are her favorite.

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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Need a gift for your nerdy friends? These Loot Crate boxes are on sale.

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The big gifting holidays come just once a year — unless you’re a Loot Crate subscriber, that is.

Established in 2012, Loot Crate is a service for self-proclaimed geeks that aims to “unite the world through the shared celebration of fandom,” according to its website. It does just that by shipping boxes filled with surprise assortments of merch and gear to the doorsteps of its subscribers, or “Looters,” every month. With ever-changing themes about different universes and all sorts of official, exclusive collectibles waiting in each box, Loot Crate is, in a word, awesome.

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These fall TV finales are game-changers

Several notable network series have ended their fall seasons and won’t return until early next year. Some of the so-called “fall finales” — a growing trend in network TV — were cliffhangers, while others (that’s you, “Riverdale”) continued their crazy storylines leading to God-knows-what. Here’s a look at some of the notable fall finales and…
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Do You Qualify for These Class-Action Settlements? Wendy’s is Paying Millions

What do a burger data breach, vehicle crash parts, unwanted phone calls and a fire-prone lawn tractor have in common? They all include circumstances surrounding alleged violations of consumer law that could result in compensation due to the most important customer of all: You.

See if you qualify for one or more of the following class-action settlements. Hurry, many of these offers will end faster than it takes to get through most drive-throughs.

Wendy’s Data Breach

Would you like a few bucks with that burger?

Wendy’s has agreed to pay a $ 3.4 million class-action settlement over allegations the company failed to protect consumer information from a data breach in 2016.

Class members include customers who used a credit, debit or other payment card at particular Wendy’s locations between Oct. 25, 2015 and June 28, 2016 and had their personal information compromised in the February 2016 data breach.

Potential awards range all the way up to $ 5,000 for those who submit documented evidence; without documentation, eligible class members may collect a total of $ 30 for two hours of undocumented time spent tending to data breach issues (calculated at $ 15 per hour).

For more details and to submit a claim by the March 21, 2019 deadline, click here.

State Farm Vehicle Repair

Did you make a vehicle repair claim on your State Farm casualty insurance policy between July 1987 and February 1998?

If so, you could be eligible for a portion of a $ 250 million class-action settlement with the insurance giant.

Class members include “All persons in the United States, except those residing in Arkansas and Tennessee, who, in between July 28, 1987, and February 24, 1998, (1) were insured by a vehicle casualty insurance policy issued by Defendant State Farm and (2) made a claim for vehicle repairs pursuant to their policy and had non-factory authorized and/or non-OEM (Original Equipment Manufacturer) ‘crash parts’ installed on or specified for their vehicles or else received monetary compensation determined in relation to the cost of such parts.”

The $ 250 million settlement stems from allegations State Farm contributed to campaign funds for a judge’s re-election on the condition the judge reverse a $ 1 billion consumer fraud class-action lawsuit judgment regarding the use “crash parts” on State Farm policyholders’ vehicles. State Farm admits no wrongdoing under the settlement terms.

The settlement award will depend upon the number of class members who submit timely and valid claims.

Class members should be notified by mail, but if you qualify and do not receive a postcard, click here and file a claim by the Jan. 31, 2019 deadline.

Sekure Merchant Solutions ‘Do Not Call’ Phone Calls

If Sekure Merchant Solutions contacted you on your cell phone between July 26, 2013 and Feb. 1, 2018, you could be eligible for a portion of a $ 6.25 million settlement.

Sekure allegedly violated the Telephone Consumer Protection Act by calling cell phones to make a sales pitch even when certain numbers were on the National Do Not Call Registry.

The TCPA prohibits telemarketing calls that invade cell phone users’ privacy by contacting the consumers without explicit written permission.

If you received a robocall from Sekure Merchant Solutions during the specified time period, you could be eligible for an estimated payment of $ 30.

Qualified class members should receive a postcard in the mail with a claim ID number on it, but you may also complete a claim form by clicking here by the Nov. 30, 2018 deadline.

Campus Debt Solutions Unwanted Phone Call

Education Financial Solutions LLC, doing business as Campus Debt Solutions, has agreed to a $ 1.1 million Telephone Consumer Protection Act class-action settlement.

Campus Debt allegedly used an autodialer to contact consumers regarding programs for loan forgiveness or loan consolidation without the consumers’ consent to receive such calls.

Class members who received such a call on or after Oct. 16, 2013 are eligible for a potential reward of $ 20.

 

Those who received notice of settlement do not need to submit a claim form, but if your address has changed since you received the robocall or if you did not receive notice of the settlement, click here to file a claim.

Sears Craftsman Riding Lawn Tractor

Did you buy a Sears Craftsman Riding Lawn Tractor between Jan. 1, 2009 and Dec. 31, 2015?

If so, you could receive a free inspection, repair and/or up to $ 125 cash in a Sears class-action settlement regarding allegations a fuel line defect poses a fire risk.

The $ 125 is available for class members who paid for fuel line repairs on their own.

Sears denies the allegations but agreed to the settlement to avoid further expenses of ongoing litigation.

Class members should have received an email with a Notice ID number, but if you didn’t receive the notice, you can click here to see if the model you purchased is covered and to submit a claim by the Dec. 19, 2018 deadline.

GameStop Online Data Breach

Did you buy (or attempt to buy) an item from GameStop’s website between Aug. 10, 2016 and Feb. 9, 2017?

If so, you could receive a portion of a data breach class-action settlement. GameStop notified affected customers about the breach of about 1.3 million debit and credit card numbers in June 2017.

Class members can claim up to $ 10,000 for out-of-pocket expenses linked to the data breach, including fraudulent debit and credit card charges.

 

Consumers also may be eligible for up to $ 235 for out-of-pocket expenses incurred to reverse fraudulent charges, including bank fees and long distance phone calls.

GameStop admits no liability under the terms of the data breach class-action settlement.

To make a claim, click here to submit a form supporting documentation by the Dec. 13, 2018 deadline.

Suunto Dive Computers Incorrect Depth Readings

If you purchased a Suunto dive computer by Aqua Lung that was made between Jan. 1, 2006 and Aug. 10, 2018, you could be eligible for compensation from a class-action settlement.

Consumers allege the functions of their Suunto dive computers took a dive once placed in the water. Allegedly defective pressure sensors caused the depth and temperature readings to be incorrect.

Class members may qualify for a replacement or repair of their defective Suunto dive computer, but this settlement does not include coverage of claims of wrongful death or personal injury that may have resulted from incorrect readings.

For a full list of affected Suunto dive computers, serial numbers, required documentation and a claim form, click here by the Feb. 24, 2019 deadline.

Cricket CDMA Phones

When Cricket and AT&T merged, many consumers complained they couldn’t get as much as a chirp out of their Cricket Code Division Multiple Access (CDMA) phones.

After several years of litigation, a class-action settlement has been reached for consumers who bought a Cricket phone between July 12, 2013 and July 9, 2018.

Under the settlement, class members are eligible for one of three benefits:

  • Unlock Benefit: Settlement class members will be able to unlock their qualifying CDMA phone, which may allow them to activate the phone with another wireless carrier.
  • Data Benefit: Settlement class members will be able to port an existing wireless number onto a new line of Cricket service without paying an activation fee and receive an additional 1 GB of high speed data for free after maintaining one month of service.
  • Four Month Data Benefit: Settlement class members who maintain one month of future Cricket service on either an existing or new line of Cricket service will be able to receive 1 GB of free high speed data for up to four subsequent consecutive months of timely prepaid service.

Click here for more details and to submit a claim form by Feb. 4, 2019.

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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These Are Some of the Insane Moments of Mayhem Possible in ‘Just Cause 4’

Just Cause 4 has a darker tone than its predecessors, but it’s absolutely still an enabler for any shenanigans you’ve got in mind — a far cry from the other dour, self-serious open-world games that have come out of late.

Storywise, protagonist Rico Rodriguez is on a personal mission to see the truth behind his father’s death — a more personal note for the series. Still, the key to this year’s game is on the shed-load of new destructive tools on offer — and a weather forecast predicting gaming’s best tornado and a 100 percent chance of hilarity…


Remove the "wind guns" the enemy uses to hold back a tornado and watch the fun unfold
Remove the “wind guns” the enemy uses to hold back a tornado and watch the fun unfold

Grapple Improvements

One of the key measurements in a Just Cause game is how much trouble you can make in the shortest amount of time possible. Avalanche is giving players outlets for mischief thanks to a bunch of new enhancements to Rico’s signature suite of bat-gadgets. As always, you can get about by alternating between grapple hook, parachute, and wingsuit — three mechanics that work remarkably well in tandem with one another. The biggest change, however, is how your grapple launcher has been taken to insane new levels of customization. You’re basically your own Q Branch now.

At any time you can pause the game, bring up a menu, and apply a ridiculously large amount of behaviours to the grapple pods shot from your wrist. You might want to deploy a balloon that lifts up a tank but stops at a certain altitude before exploding. Hell, you could strap a tank with non-lethal balloons, slap some rocket boosters on its butt, and hover that thing into an enemy outpost like the world’s weirdest gunship.

Alternatively, if you’re a sadist you might opt to create a gadget that rapidly reels two objects toward one another before detonating on impact (such as, say, two hapless civilian NPCs). There are millions of gadget combinations to try, too — you can effectively make any in-game object lift, pull, or push as hard as you want. You’re limited only by your creativity and nefariousness.


"What's your vector, Victor?" "I'm pretty much over, Roger"
“What’s your vector, Victor?” “I’m pretty much over, Roger”

The Weather Literally Shakes Things Up

JC4 offers one other source of emergent fun for you, too. For the first time in the series, this physics-heavy open-world is being plagued by extreme weather, like blizzards, sandstorms, tornados, and electrical storms. Fitting in with a narrative that is more or less “bad guys are controlling the weather,” this extreme weather is a wild card that respects nobody and can be spotted from miles and miles away. It shreds about on its own AI routines and, rather amusingly, the NPCs in the world show it nowhere near the respect it deserves.

During our playtime, we spent a good hour alternating between watching pedestrians drive right into a tornado, only to be whipped around and then pinged a postcode away. We also deliberately tried to punch through the beast in an attempt to find an eye of the storm we’re not even sure exists. Honestly, we’ve played every single Just Cause entry in the series and this self-imposed challenge proved to be the most fun we’ve had in years. We want the whole game — every racing challenge, every stunt event, and every firefight — to be set in and around this thing.

We commandeered an enemy gunship in our first experiment and tried dropping directly down through the clouds. End result: The rotor blades shredded like tinfoil and the bird exploded, sending our ragdolling (and flaming) body around and around the vortex. It took a minute to let go of us. Upside: a new “skydiving record” was set. Bonus!

Unperturbed, we next attempted to brute force through using a stealth microfighter that was going 360 km/h with its afterburners cranked. End result: the tornado turned us aside and more or less used our own momentum to judo flip our 30 million dollar ride into a nearby mountain.


Fandom does not endorse the flying of jet fighters into tornadoes. Do so at your own peril.
“WITNESS MEEEEE!” *Kaboom*

There were so many attempts, dear reader. A civilian bus full of people driven flat chat into it? That got sent cartwheeling into a forest, then death by explosion. 747-sized airliner doing 400kmh/hr, flown upside down for extra style points? Wings caught on fire, then the fuselage got sucked up into the chute and spat out onto some buildings. Damn it.

Beaten but not unamused, we rounded off our playtime by pranking The Agency plane that delivers Rico all his air-dropped vehicles and gadgets. We ventured as close to the vortex as possible and then ordered a shipping container full of stuff, taking care to make delivery vector intersect with mother nature’s angriest storm.

Sure enough an A380-sized dropship barreled in overhead and was shredded into gobs of fire and a hail of twisted Mechano parts. We stood below it all, awestruck by the carnage.

Just Cause 4 launches December 4 on PS4, Xbox One, and PC.

 

The post These Are Some of the Insane Moments of Mayhem Possible in ‘Just Cause 4’ appeared first on FANDOM.

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Black Friday is finally here, and there’s no shortage of deals to choose from in our shop. 

From Star Wars drones to robot vacuums, here are 20 amazing Black Friday deals you won’t find anywhere else, and you can get them for even less than their sale price. Just use the code BFSAVE20 to save an additional 20% at checkout.

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Don’t Lose Your Home. Fight Eviction With These 4 Strategies

A few months before the housing market began to implode, 22-year-old Alisa Daly and her boyfriend — now husband — were expecting their first child.

Working at a small trucking company in Arizona, she was close friends with the office manager, and her mother worked for the same firm. So Daly was shocked when her mom called and told Daly she was about to be laid off. Then, a few months after that, the couple’s car broke down and her boyfriend was fired when he didn’t show up for work.

“It made us feel miserable, overwhelmed, depressed and angry,” Daly says.  “We couldn’t get a job anywhere, doing anything. And no one would hire someone that was pregnant.”

As a renter in 2007, she was able to avoid eviction, unlike the 958,000 tenants who were evicted during the housing crisis. But she was on the precipice of a life-changing, community-altering tragedy, according to recent data compiled by the Eviction Lab, a project spearheaded by Princeton University professor Matthew Desmond with millions of dollars in support from the Gates, JPB and Ford Foundations and the Chan Zuckerberg Initiative.

Luckily, Daly, now a homeowner, negotiated a week-to-week payment plan to avoid falling behind in rent — demonstrating what experts say is your best bet if you’re facing eviction. She said dividing the rent into weekly amounts made it easier to budget for.

But when she moved to break her lease after an attempted burglary at her apartment, she also avoided any additional fees by hiring a lawyer and arguing that the landlord had violated the lease by not maintaining the apartment adequately — another option to fight an eviction proceeding.

Even as foreclosures have fallen 67% since the Great Recession, rental evictions declined only 9.6% to 898,479 in 2016, the latest year that statistics are available. And with experts growing concerned about housing affordability, particularly for renters, and wages remaining mostly stagnant, the eviction epidemic is likely to continue.

“If you live in a community that is plagued by eviction, then it is absolutely an epidemic, but it’s an epidemic that’s always been occurring,” said David Dworkin, president and CEO of the National Housing Conference and former housing policy adviser at the U.S. Treasury Department. “And if you don’t live in one of those communities, it’s an epidemic that’s been easy to ignore.”

Here’s Some General Advice on How to Stop an Eviction

A mattress and other belongings are piled hapazardly on a sidelwalk outside the garage door of a house.

Since the Eviction Lab had difficulty compiling all eviction records from some states, including New York and California, the real numbers of people evicted are likely in the millions each year. It could be your neighbor. A family member. It might even be you.

As Alisa Daly’s story shows, you could end up facing eviction through no fault of your own.

Maricopa County, Arizona, Judge Pro Tem Jeremy Rovinsky can see 100 eviction proceedings during a busy day as he does temporary time behind the bench in civil court.

“It’s very difficult for me I have to look people in the eye, people who are struggling, people who are suffering, and tell them they have to leave their home,” he says. “The worst part of my job is having go look them in the eye and say this is the law.”

So how does an eviction work?

First, it’s illegal for landlords to try to evict you by themselves by changing the locks, turning off utilities or through any other method. They must go through the court system.

In most cases, you’ll be served with a notice to vacate, after which you will go before a judge. Be aware that it’s rare for a tenant to win an eviction case for nonpayment. If the judge rules in favor of the landlord, a law enforcement officer will show up and you’ll be forced out of your home.

Although specific eviction laws vary state-by-state, there are some general things you can do if you are facing eviction due to nonpayment of rent. Below, you can see the specific time frames landlords must follow during eviction proceedings, depending on your state.

Negotiate Any Way You Can With Your Landlord or Leasing Company

Usually, it’s in your landlord’s best interest to work out a payment plan so you don’t fall too far behind on rent. For Daly, that meant a week-to-week plan, but it could even be a grace period until you get back on your feet.

But be certain you get whatever agreement you come to in writing.

“[The landlord] neither wants the headache of going to court [n]or that apartment empty,” Rovinsky says.

Documents, Documents, Documents

Depending on your state, or county, there are technicalities that could force your landlord to halt eviction proceedings. These include failure to keep up the property or any sort of retaliation for demanding the landlord follow local tenant laws.

But you’ll need plenty of evidence. Hang on to your lease and read it thoroughly — or if you lost it, pick up a copy from your local Clerk of the Court. Save emails, memos and letters from your landlord and take photos of the property.

“Pictures really are worth 1,000 words in these situations,” said Alan Mills, executive director of the Uptown People’s Law Center in Chicago. “Judges have to figure out who’s telling the truth, and the more documentation, the better chance you have.”

Find a Legal-Aid Service or Church Group Near You

With all of the fine print in each state’s landlord-tenant laws, it was difficult enough just researching this article. If you lose a job, and especially if you have a family to look after, it can be head-spinning to figure out your legal options in an eviction process.

For one, know that a landlord can never lock you out or turn off the utilities — so stay calm and figure out your next move with the help of a local legal-aid office. Most are low-cost or free, and because they focus on working with marginalized folks, they’ll likely have an expert on tenants’ rights.

Rovinsky, the Arizona judge, recently had an eviction case in which a church congregation stepped in with $ 500 so a tenant could afford to avoid eviction for at least that month. Sometimes it can take just a month for you to get back on your feet.

Have a Backup Plan if You Can’t Fight the Eviction

“Make a contingency plan,” Mills says. “The worst thing that can happen to anyone is having the sheriff come put your stuff out on the street.”

That means using what savings you may have to rent a cheap storage unit for a month. And make sure you have a plan to keep your kids and family in place — whether that be with relatives or a homeless shelter.

Your first step should be to call the nationwide resource assistance hotline 211.

Once you are stabilized, know that an eviction will remain on your record. So before you pay for a background check when you are looking for a new apartment or home to rent, be up front with the landlord. You could spend half a month’s rent on background checks alone if you get denied a few times, Mills said.

But don’t lose hope; nonpayment of rent is the least harmful type of eviction to have on your record.

“If landlords only rented to people who have never been evicted, there would be a lot of open property,” Rovinsky said. “It doesn’t mean you’ll never rent again or that your life is over.”

Here Are State-By-State Eviction Guidelines

A couple who look sad hug in a room that is filled with moving boxes.

These brief guidelines will help you understand the timeline and some rights you have as a tenant if you can’t pay rent on time. There are many legal variations in each jurisdiction and even by housing type — and we are not authorized to give legal advice — so we have provided contact numbers for legal-aid services and tenants’-rights groups.

These organizations should help you understand your rights better and may help fight a potential eviction.

The Penny Hoarder also analyzed eviction rates — the percentage of rental properties where tenants faced an eviction in 2016 — to show the cities with the most evictions. For context, the national eviction rate is around 2.3%.

Alabama Arizona Arkansas California Colorado
Connecticut Delaware Washington DC Florida Georgia
Hawaii Idaho Illinois Indiana Iowa
Kansas Kentucky Louisiana Maine Maryland
Massachusetts Michigan Minnesota Mississippi Missouri
Montana Nebraska Nevada New Hampshire New Jersey
New Mexico New York North Carolina North Dakota Ohio
Oklahoma Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah Vermont
Virginia Washington West Virginia Wisconsin Wyoming

Alabama

In Alabama, the landlord must give the tenant notice and seven days to vacate unless the rental agreement is met. During that week, the tenant can pay the rent and the landlord is legally not allowed to pursue an eviction.

Legal Services Alabama, Statewide, 866-456-4995

Montgomery — 5.82%

Gadsden — 5.53%

Hueytown — 3.76%

Tillman’s Corner — 3.76%

Mobile — 3.66%

Arizona

In Arizona, where Rovinsky hears cases, tenants have five days’ notice ahead of being evicted. But there are three ways to fight an eviction in this state: Pay the rent in full within the five days; pay the rent in full and cover any applicable late fees after five days; or, before a final judgment, pay the rent, late fees and any court costs.

Drexel Heights — 6.15%

Tucson — 6.03%

Casas Adobes — 2.91%

Marana — 2.53%

Catalina Foothills — 1.99%

Arkansas

In Arkansas, landlords have two ways to evict you from your rental: a civil lawsuit or a criminal charge. If they pursue the former, they have to give you a three-day written notice that they will be suing you for “unlawful detainer” if you don’t vacate the property. After you receive a court summons, you have five days to object to the eviction.

In the case of a criminal charge, they will give you a 10-day notice of failure to vacate. If you don’t leave in 10 days, you’ll be charged with a misdemeanor and could be fined up to $ 25 for each additional day you stay.

Legal Aid of Arkansas, Jonesboro, 800-967-9224

Center for Arkansas Legal Services, Little Rock, 501-376-3423

Legal Aid of Arkansas, Statewide, 800-952-9243

Jacksonville — 1.99%

Marion — 1.96%

West Memphis — 1.85%

Little Rock — 1.76%

North Little Rock — 1.68%*

*These are eviction filings as opposed to actual evictions.

California

California law requires landlords to provide a three-day notice to vacate. If a tenant doesn’t pay rent within those three days, the landlord can file an eviction.

Bay Area Legal Aid, Oakland, 510-663-4755

Legal Aid Foundation of Los Angeles, 323-801-7991

Hemet — 5.08%

Moreno Valley — 4.81%

Perris — 3.31%

Arden-Arcade — 2.97%

Rancho Cordova — 2.86%

Colorado

Like California, Colorado also provides a three-day window before landlords can move to evict a tenant. But in this state, if you pay rent within that three-day period, the landlord can’t proceed with the eviction. If the tenants move out within three days, they are still liable for rent, and if the security deposit doesn’t cover the amount owed, the landlord may sue the tenant for the difference.

Colorado Affordable Legal Services, Denver, 303-996-0010

Northglenn — 6.24%

Aurora — 5.52%

Welby — 5.4%

Sherrelwood — 5.16%

Thornton — 4.64%

Connecticut

Connecticut has one of the more lenient nonpayment-of-rent laws, with the tenant given a nine-day period before the landlord can begin pursuing an eviction. But after that time frame, the landlord can give a three-day notification to move out of the rental.

Then, as in other states, a judge will weigh both sides during an eviction hearing if the tenant wants to challenge the eviction.

Connecticut Fair Housing Center, Hartford, 860-247-4400

Connecticut Legal Services, Middletown, 860-344-0447

Waterbury — 6.1%

Hartford — 5.73%

Bridgeport — 5.03%

New Britain — 4.68%

Meriden — 4.45%

Delaware

Tenants in Delaware have five days after the missed rent period to pay their landlord (once served with a notice to pay). If they don’t pay in that time frame, they will have to either fight the eviction in court or vacate the premises.

Legal Services Corporation of Delaware, Wilmington, 302-734-8820; 302-575-0408

Delaware Legal Help Link, Statewide, 302-478-8850

Wilmington — 7.62%

Glasgow — 7.05%

Dover — 6.94%

Bear — 6.04%

Brookside — 4.29%

Washington DC

In Washington, D.C., a landlord has to provide a 30-day window for the renter to pay rent in full with an official notice. But this is sometimes waived in rental agreements.

If a judge rules in favor of the landlord, the tenant has three days before removal from the property. D.C. is also a “pay-and-stay” jurisdiction, where tenants have until U.S. Marshals remove them from the rental to pay the rent and associated late fees.

D.C. Tenants’ Rights Center, Washington, 202-681-6871

Howard University School of Law Fair Housing Clinic, Washington, 202-806-8082

Districtwide — 2.59%

Florida

In the Sunshine State, a landlord must send an official three-day notice for the tenant to pay rent. If the tenant pays within three business days of receiving the notice, the landlord cannot legally proceed with an eviction. But, if you fail to pay rent within those three days, you will be served with a summons and have five days to respond to the eviction lawsuit

Florida Housing Coalition, Tallahassee, 850-878-4219

Jacksonville Area Legal Aid, 904-356-8371

Lauderhill — 7%

Pine Hills — 5.88%

Jacksonville — 5.34%

University (Tampa area)  — 5.26%

Miramar — 4.65%

Georgia

Landlords in Georgia do not have to wait between notifying tenants about missing rent and filing an eviction notice. So once tenants receive a notice, they may end up in eviction court right away.

Also, Georgia law doesn’t require a written eviction notice, so a landlord can verbally serve an eviction notice. But Georgia law does allow the tenant to pay without penalty the owed rent within seven days after receiving a court summons.

Atlanta Volunteer Lawyers Foundation, 404-521-0790

Georgia Legal Services Program, Atlanta, 404-206-5175

Redan — 13.99%

Union City — 11.67%

East Point — 11.3%

Candler-McAfee — 11.17%

Warner Robins — 10.69%

Hawaii

Landlords in Hawaii must provide tenants with a written five-day notice before pursuing an eviction.

Hawaii Fair Housing Enforcement Program at Legal Aid Society of Hawaii, Honolulu, 808-536-4302

Hilo — 0.51%

Kihei — 0.41%

Kahului — 0.26%

Idaho

Idaho law also requires a written three-day notice be provided to the tenant before proceeding with the eviction process. A tenant can pay rent within that window to stop the eviction proceedings.

Also, Idaho law allows tenants to withhold rent to request repairs..

Idaho Legal Aid Services, Boise, 208-336-8980

Nampa — 1.31%

Post Falls — 1.29%

Burley — 1.2%

Caldwell — 1.18%

Twin Falls — 1.16%

Illinois

Illinois law calls for a five-day notice before a tenant can be sued for eviction. If the tenant pays rent in that time frame, the landlord can’t pursue an eviction.

Illinois Tenants Union, Chicago, 773-478-1133

Legal Aid Society of Metropolitan Family Services, Chicago, 312-986-4000

Matteson — 5.92%

Crest Hill — 5.5%

Kankakee — 5.35%

East St. Louis — 5.27%

Bolingbrook — 4.67%

Indiana

Indiana may have a high eviction rate compared with the rest of the country, but it does have a more lenient landlord-tenant law, at least when it comes to the notice. Landlords are required to provide a 10-day written notice before filing suit, during which time the tenant can pay back rent.

Indiana Legal Services, Statewide, 844-243-8570; Bloomington office, 812-339-7668 or 800-822-4774

Indiana University Bloomington Tenant Assistant Project

Griffith — 11.27%

Marion — 8.52%

Elkhart — 8.50%

Auburn — 8.06%

Kokomo — 7.95%

Iowa

Iowa landlords are required to give tenants a three-day window to pay the owed rent before filing an eviction lawsuit. If the tenant pays rent during that time frame, the landlord can’t sue for eviction.

Iowa Legal Aid, Statewide, 800-532-1275

Waterloo — 5.73%

Davenport — 4.72%

Clinton — 4.02%

Ottumwa — 3.72%

Council Bluffs — 3.49%

Kansas

In Kansas, landlords must provide a three-day notice for tenancies that have lasted less than three months and a 10-day notice for those that have been in place longer.

Kansas Legal Services, Topeka, 800-723-6953

Edwardsville — 7.68%

Park City — 6.88%

Kansas City  — 5.60%

Bonner Springs — 4.86%

Wichita — 4.44%

Kentucky

In Kentucky, tenants are given a seven-day window to pay rent before a landlord can pursue eviction. But like most states, a tenant can fight the eviction in court if the landlord did not hold up his or her end of the lease agreement.

Legal Aid of the Bluegrass, Lexington, 859-431-8200

Kentucky Legal Aid, Western Kentucky, 866-452-9243

Legal Aid Society, Louisville, 502-584-1254

Shively — 5.45%

Franklin — 4.84%

Louisville — 4.82%

Lexington-Fayette — 4.59%

Campbellsville — 4.48%

Louisiana

Louisiana law calls for a five-day notice before a landlord can file an eviction lawsuit. However, that five days is only a grace period to vacate; the state does not allow the tenant to pay rent and avoid eviction.

Legal Services of North Louisiana, Shreveport, 318-222-7186

Southeast Louisiana Legal Services, Baton Rouge, 225-448-0331; Hammond, 985-345-2130; Covington, 985-893-0076

Woodmere — 7.23%

Baton Rouge — 6.45%

Slidell — 5.49%

Baker — 5.13%

Marrero — 4.30%

Maine

In Maine, a tenant must fall seven days behind in rent before a landlord can issue a notice of eviction. After that, a tenant has seven days to pay rent to stop the eviction proceedings.

Pine Tree Legal Assistance, Portland, 207-774-8211

Waterville — 5.25%

Lewiston — 4.79%

Sanford — 4.68%

Augusta — 4.28%

Biddeford — 4.25%

Maryland

Maryland is one state that has no notification period for landlords who want to evict a tenant. Technically, they can sue a tenant for eviction the day after they serve the resident with a notice.

Still, if tenants pay rent, late fees and court costs on or before the day of the hearing, they can avoid eviction.

Public Justice Center, Baltimore, 410-625-9409

Maryland Legal Aid, Baltimore, 410-951-7777

South Laurel — 7.14%

Chillum — 3.37%

Bowie — 1.93%

Laurel — 1.88%

College Park — 1.50%

Massachusetts

To avoid being sued for eviction, tenants in Massachusetts have a 14-day period to pay rent or vacate their rental after a landlord serves legal papers.

Alliance of Cambridge Tenants, 617-499-7031

Quincy Community Action Programs, 617-479-818, ext. 4

Haverhill — 2.93%

Lynn — 2.75%

Weymouth — 2.71%

Brockton — 2.69%

Framingham — 2.53%

Michigan

Michigan-based landlords must serve a written seven-day notice before they can file to evict a tenant. The tenant can pay the owed rent within that window to remain in the rental, however.

Lakeshore Legal Aid, Statewide, 888-783-8190

Michigan Poverty Law Program, Ann Arbor, 734-998-6100

Muskegon — 10.91%

Saginaw — 10.54%

Battle Creek — 9.98%

Dearborn Heights — 9.82%

Jackson — 9.71%

Minnesota

In Minnesota, landlords aren’t required to give any notice before pursuing an eviction unless the tenant is “at will” — meaning under an informal, usually month-to-month lease. In that case, a landlord must provide a 14-day notice to vacate before suing for eviction.

Home Line, Minneapolis, 866-866-3546

Southern Minnesota Regional Legal Services, St. Paul, 888-575-2954

East Bethel — 2.59%

Brooklyn Park — 1.86%

Brooklyn Center — 1.44%

Moorhead — 1.38%

Ramsey — 1.23%

Mississippi

Mississippi law requires a three-day notice to pay rent before a landlord can file an eviction lawsuit against a tenant for nonpayment.

Mission First Legal Aid, Jackson, 601-608-0050, ext. 2

Mississippi Center for Legal Services, Statewide, 800-498-1804

Horn Lake — 11.90%

Gulfport — 9.68%

Pascagoula — 9.38%

Jackson — 8.75%

Southaven — 7.86%

Missouri

Unlike most states, Missouri doesn’t have a specific time requirement for a landlord to demand rent before filing an eviction. However, most legal sites do recommend that landlords give at least three days’ notice.

Arch City Defenders, St. Louis, 855-724-2489

Legal Services of Eastern Missouri, St. Louis, 314-534-4200 or 800-444-0514

Spanish Lake — 14.33%

Old Jamestown — 12.76%

Bellefontaine Neighbors — 11.51%

Berkeley — 9.13%

Murphy — 8.75%

Montana

In Montana, a a tenant has three days to pay rent upon being served with a notice of late payment by the landlord.

Montana Legal Services Association, Statewide, 800-666-6899

Evergreen — 3.69%

Lockwood  — 2.02%

Hardin — 1.92%

Butte-Silver Bow — 1.86%

Great Falls — 1.81%

Nebraska

In Nebraska, a landlord must serve a three-day notice to a tenant who is late on rent. The renter can avoid eviction by paying within that three-day window.

Legal Aid of Nebraska, Statewide, 877-250-2016

Plattsmouth — 4.79%

Omaha — 3.87%

Waverly — 3.24%

Chalco — 2.68%

Bellevue — 2.63%

Nevada

Nevada state statutes require landlords to serve a tenant with a five-day notice to pay rent before proceeding with an eviction. If the tenant pays rent in that window, the landlord can’t pursue the eviction.

Legal Aid Center of Southern Nevada, Las Vegas, 702-386-1070

Nevada Legal Services, Las Vegas, 702-386-0404; Reno, 775-284-3491 or 800-323-8666

Whitney — 6.82%

North Las Vegas — 5.82%

Sunrise Manor — 5.31%

Winchester — 5.15%

Paradise — 4.33%

New Hampshire

New Hampshire law provides a one-week time frame for a tenant to pay rent to avoid eviction. This seven-day period begins when the landlord serves the tenant with a written notice, and tenants can pay rent in full plus $ 15 during that period.

New Hampshire Legal Aid, Statewide, 800-639-5290

(No data on percentage of evictions available.)

New Jersey

New Jersey law doesn’t require a landlord to give a tenant a window to pay rent that is owed, so a tenant may face an eviction lawsuit immediately after failing to pay rent.

New Jersey Tenants Organization, Fort Lee, 201-342-3775

Fair Share Housing Center, Cherry Hill, 856-665-5444

South Plainfield — 0.07%

Newark — 0.05%

Westfield — 0.04%

Clifton — 0.03%

East Orange — 0.03%

New Mexico

New Mexico law requires landlords to serve tenants with a three-day notice to pay rent before pursuing an eviction.

New Mexico Legal Aid, Statewide, 833-545-4357

Albuquerque — 4.72%

Clovis — 3.58%

Roswell — 3.53%

South Valley — 3.10%

Grants — 2.93%

New York

New York landlords must give tenants three days to pay rent before pursuing an eviction. If the renter pays within that window, the landlord can’t sue for eviction.

Legal Services NYC, New York, 917-661-4500

Legal Services of Central New York, Syracuse, 877-777-6152

Poughkeepsie — 2.76%

Auburn — 1.74%

New York — 1.615 (Bronx, 6.23%, Brooklyn, 1.28%, Staten Island, 3.42%)

Watertown — 1.45%

Middletown — 0.95%

North Carolina

If a tenant is late paying rent in North Carolina, the landlord must serve a written notice that gives the renter 10 days to pay before filing an eviction. If the tenant pays within that window, the landlord can’t proceed with the eviction.

Pisgah Legal Services, Statewide, 828-253-0406, 800-489-6144

Graham — 11.14%

Kinston — 10.24%

Shelby — 9.10%

Henderson — 9.08%

Wilson — 8.60%

North Dakota

In North Dakota, a landlord must provide the tenant a three-day notice of eviction, and it must be served by a process server or deputy.

Ohio

In Ohio, the landlord must give a tenant a three-day notice before suing for eviction. However, unlike in other states, the landlord is not obligated to accept a rent payment during that period or halt the eviction process.

Legal Aid Society of Greater Cincinnati, 513-241-9400, 800-582-2682

Legal Aid Society of Cleveland Tenant Information Line, Cleveland, 216-861-5955. (For legal help, dial 216-687-1900 or 888-817-3777.)

Legal Aid Society of Columbus, 614-241-2001

East Cleveland — 8.87%

Middletown — 8.41%

Canton — 8.34%

Euclid — 7.93%

Trotwood — 7.72%

Oklahoma

Oklahoma law requires a landlord to serve the tenant with a five-day notice to pay rent before pursuing an eviction.

Legal Aid Services of Oklahoma, Oklahoma City, 405-521-1302

Neighbor for Neighbor, Tulsa, 918-425-5578

Tulsa — 7.77%

Del City — 7.32%

Midwest City — 6.63%

Durant — 6.46%

Oklahoma City — 6.19%

Oregon

Oregon has a more lenient law for nonpayment of rent, with a landlord required to wait eight days before serving the tenant with a notice of eviction. Then, the tenant has three days to pay rent or face an eviction lawsuit.

But the landlord has another option: Serve a six-day notice to pay rent on the fifth day after rent is due. Both give 11 days for a tenant to catch up on rent.

Legal Aid Services of Oregon, Portland, 503-224-4086

Portland Tenants United, 503-836-7881

Gresham — 2%

Springfield — 1.86%

Hayesville — 1.65%

Medford — 1.62%

Salem — 1.62%

Pennsylvania

Pennsylvania law requires a landlord to give a 10-day notice of eviction to the tenant, who can pay during that period and avoid eviction.

Regional Housing Legal Services, Glenside, 215-572-7300

Community Legal Services of Philadelphia, 215-981-3700

Glenolden — 10.03%

Folcroft — 6.99%

Brookhaven — 6.91%

Reading — 6.22%

Uniontown — 4.29%

Rhode Island

In Rhode Island, tenants have 15 days to pay rent after the due date before a landlord can serve them with a five-day notice to pay. If the renters don’t pay in those five days, the owner can pursue an eviction.

Rhode Island Legal Services, Providence, 401-274-2652

Providence — 3.82%

Cranston — 2.63%

Warwick — 2.44%

South Carolina

South Carolina law requires the landlord to serve a five-day written notice when the tenant is late with rent before filing an eviction lawsuit. However, the landlord can file suit without notice if the following language is in the lease agreement:

“IF YOU DO NOT PAY YOUR RENT ON TIME. This is your notice. If you do not pay your rent within five days of the due date, the landlord can start to have you evicted. You will get no other notice as long as you live in this rental unit.”

South Carolina Legal Services, Statewide, 888-346-5592

Ladson — 24.00%

St. Andrews — 20.66%

Dentsville — 19.01%

Hanahan — 17.84%

Florence — 16.65%

South Dakota

South Dakota law gives tenants three days to pay rent after it is due. The landlord can serve a three-day notice and file an eviction lawsuit if the rent isn’t paid in that window.

Dakota Plains Legal Services, Mission, 605-856-4444, 800-658-2297

East River Legal Services, Sioux Falls, 800-952-3015

Summerset — 1.9%

Brandon — 1.28%

Box Elder — 1.26%

Harrisburg — 1.09%

Rapid Valley — 1.09%*

* These are eviction filings as opposed to actual evictions.

Tennessee

In Tennessee, landlords must serve a 14-day notice to pay rent once the tenant is late. If the rent remains unpaid, then the owner can sue for eviction.

Memphis Area Legal Services, 901-523-8822

West Tennessee Legal Services, 17 counties, 731-423-0616 or 800-372-8346

Memphis — 4.89%

Athens — 4.13%

Clarksville — 3.90%

Cleveland — 3.51%

Nashville-Davidson — 3.42%

Texas

Texas is another state that requires a three-day notices before the landlord can file for eviction.

Austin Tenants Council, 512-474-1961

Lone Star Legal Aid, Houston, 800-733-8394

Killeen — 7.67%

White Settlement — 6.39%

Dickinson — 6.23%

Texas City — 5.98%

Fresno — 5.62%

Utah

Utah law requires a landlord to give the tenant a three-day notice before suing for eviction.

Utah Legal Services, Salt Lake City, 801-328-8891 (in Salt Lake County), 800-662-4245 (outside Salt Lake County)

Murray — 2.31%

West Valley City — 2.26%

Taylorsville — 1.97%

Midvale — 1.82%

Magna — 1.79%

Vermont

Vermont is another state with lenient laws regarding nonpayment of rent. When a tenant is overdue on rent, the landlord must issue a 14-day notice to pay before filing an eviction lawsuit.

Vermont Legal Aid, Statewide, 800-889-2047

Barre — 0.23

Montpelier — 0.11

St. Johnsbury — 0.08

St. Albans — 0.06

Virginia

In Virginia, landlords must issue a five-day notice to pay rent before starting eviction proceedings against a tenant.

Northern Virginia Affordable Housing Alliance, Northern Virginia, 571-572-2238

Legal Aid Justice Center, Charlottesville, 434-529-1849

Central Virginia Legal Aid Society, 21 counties and municipalities, 800-868-1012

Petersburg — 17.56%

Hopewell — 15.69%

Portsmouth — 15.07%

Richmond — 11.44%

Hampton — 10.49%

Washington

Washington requires a  landlord to issue a three-day notice to pay rent before suing a tenant for eviction.

Fair Housing Center of Washington, Tacoma, 253-274-9523

Everett — 2.06%

Parkland — 1.99%

Lakewood — 1.89%

Longview — 1.74%

Spokane — 1.66%

West Virginia

West Virginia laws allow landlords to immediately terminate a lease and file an eviction lawsuit as soon as the tenant fails to pay rent on time.

Legal Aid of West Virginia, Statewide, 866-255-4370

Martinsburg — 10.22%

Ranson — 8.09%

Westover — 7.83%

Elkins — 7.14%

Beckley — 5.75%

Wisconsin

A landlord has two options for evicting a tenant for failure to pay rent. The owner can issue a five-day notice, in which time the tenant can pay up to avoid eviction. Or the owner can issue a 14-day notice to vacate, in which the tenant has no choice but to move out or face eviction.

Legal Action of Wisconsin, Milwaukee, 414-278-7722

Tenant Resource Center, Madison, 608-257-0006 ext. 5

Racine — 5.56%

Beloit — 4.34%

Milwaukee — 4.25%

Kenosha — 3.89%

Janesville — 3.39%

Wyoming

Wyoming-based landlords must provide a three-day notice to tenants before pursuing an eviction lawsuit.

Legal Aid of Wyoming, Statewide, 877-432-9955

Casper — 1.76%

Riverton — 0.91%

Lander — 0.85%

Rock Springs — 0.80%

Evanston — 0.78%

Alex Mahadevan is a data journalist at The Penny Hoarder.

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

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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Leaving These 10 Things at Your Front Door Could Keep You Safe

Living a safe and happy life means protecting your home and family, and one of the best places to start is right at your front door. Learning how to protect yourself and your property doesn’t have to be difficult (or cost-prohibitive), in many cases, it’s simple and inexpensive. In addition to keeping unwanted visitors out of your home, you’ll want to make provisions that help first responders find you if an emergency arises. By implementing one or more of the following 10 front door fixes, you’ll be taking proactive steps to keep your home and your loved ones safe.
Bob Vila : Trusted Home Renovation & Repair Expert

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Your Loyalty Can Now Earn Rewards in These New Uber and Lyft Programs

Airlines offer them. Rental car companies do, too. Now, ride-hailing apps are following suit by creating rewards programs for their customers.

This week, both Uber and Lyft announced their respective rewards programs on their corporate blogs. With these programs, customers earn points when they use the ride-hailing services and can cash those points in for perks like discounted trips and ride upgrades. Users can join the programs at no cost.

Lyft will roll out its program — Lyft Rewards — in December. The company will email or send notifications to selected users inviting them to join and earn points for the money they spend. The program will be available to more riders next year as Lyft Rewards expands.

Lyft didn’t specify exactly how the program would work in its initial announcement but promised updates in 2019. A Lyft representative could not immediately be reached.

There’s a lot more to share about Uber’s program — Uber Rewards. Rewards program members earn points in the following ways, based on which Uber service they use:

  • One point for every dollar spent on UberPool or Uber Eats orders.
  • Two points for every dollar spent on UberX, UberXL, Select and WAV.
  • Three points for every dollar spent on Uber Black and Uber Black SUV.

The rewards program is broken up into four levels, with everyone starting off on the blue level. Members reach different tiers by earning a certain number of points in a six-month period.

Once members earn 500 points, they rise to the gold level. Rewards members with 2,500 points move up to the platinum level. Those with 7,500 points advance to the diamond level.

The higher the level, the more benefits members receive. Once you reach a certain tier, you get to enjoy the benefits for the remainder of that six-month point-earning period, plus the following six months.

The benefits gold members get include:

  • Flexible trip cancellations and refunded cancellation fees.
  • Priority customer service support.

The benefits platinum members get include:

  • All the gold-level benefits.
  • Priority pickups at airports.
  • A locked-in lower rate on one route of their choosing.

The benefits diamond members get include:

  • All the gold- and platinum-level benefits.
  • Complimentary ride upgrades.
  • Premium customer service support.
  • Special access to highly rated drivers.
  • No delivery fee on three Uber Eats orders within six months.

Rewards members also get a $ 5 credit for every 500 points they earn, regardless of which level they’re on. The credit can be used on rides or food delivery.

The company is launching its program in nine locations: Atlanta, Denver, Miami, New Jersey, New York City, Philadelphia, Seattle, Tampa and Washington, D.C. Residents there should soon expect to see a pop-up screen inviting them to sign up for the program when they open their app.

Uber says it’ll expand the rewards program to the rest of the U.S. in the coming months. In the meantime, users can join a waiting list to find out when Uber Rewards will launch in their city and start earning points in advance.

Nicole Dow is a senior writer at The Penny Hoarder.

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

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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These NFLers are obsessed with style

On Monday, Giants superstar wide receiver Odell Beckham Jr. strutted into the 49ers’ Levi’s Stadium wearing a yellow double-breasted Calvin Klein suit with a turtleneck and steel-tipped boots. The yacht-chic ensemble cost a reported $ 5,000 — but the headlines it made were priceless. Consider Beckham walking evidence of the shift that’s happening in the NFL….
Fashion News, Photos, and Video | New York Post

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Here’s What It Costs to Order Your Thanksgiving Meal From These 8 Stores

Thanksgiving is hands down, unequivocally and undeniably my favorite major holiday of the year. (National IPA Day is still waiting to be recognized as “major” by some.)

Too many holidays require things that are exhausting and stressful. Do I have enough money for all of the gifts? What costume should I wear? Is that leprechaun going to attack me? Not cool, man.

Thanksgiving is free from all of that. On Thanksgiving, you eat a great meal, then you watch some football, take a nap, eat some more food, watch some more football and just chill with family and friends.

That’s a holiday!

You might think, “That’s all well and good if you’re not the one who has to make that massive feast.” Well I’m here to tell you that you don’t have to be the one who does all the cooking this year. You have plenty of options to order Thanksgiving dinner to go from your favorite grocery store or restaurant.

It just depends on what you’re willing to spend.

Here’s Where to Order Thanksgiving Dinner To Go

The average Thanksgiving meal has 12 people ready to dig in, according to the Pew Research Center. That’s a lot of mouths to feed. Sure, some of them — like the young ones and your weird uncle — may be at the kids’ table, but they’ll want food nonetheless.

So, what are your options when you want to skip the gourmet cooking and let someone else do the heavy lifting?

Here are eight companies ready to stuff your family for the big day.

1. Publix

If you live in the South, you probably know and love Publix. It loves you right back with the pre-made Publix Deli large turkey dinner. All you have to do is buy it, take it home and heat it up. It’ll feed 14 to 18 people.

This meal rings in at $ 89.99, which comes out to $ 4.99 to $ 6.43 per person.

It includes:

  • One 16- to 18-pound fully cooked Butterball turkey
  • 5 pounds of dressing
  • 5 pounds of mashed potatoes
  • 64 ounces of Publix gravy
  • 56 ounces of marshmallow delight
  • 32 ounces of Publix cranberry orange relish

And if you’re feeding a smaller family, you can get the Publix Deli turkey dinner for 7 to 10 people for $ 49.99, or about $ 4.99 to $ 7.14 per person.

The meal includes:

  • One 10- to 12-pound fully cooked Butterball turkey
  • 2 1/2 pounds of dressing
  • 2 1/2 pounds of mashed potatoes
  • 32 ounces of Publix gravy
  • 28 ounces of marshmallow delight
  • 16 ounces of Publix cranberry orange relish

Some items require up to 150 minutes to heat. Heating instructions are included for both meals.

2. Shoney’s

Thanksgiving dinner from Shoneys.

Shoney’s has two options for eat-and-serve holiday meals: you can grab a Thanksgiving bundle meal or “pick and choose” your Thanksgiving meal.

The holiday bundle meal rings in at $ 74.99, or $ 7.49 per person, and includes:

  • One 10- to 13-pound whole roasted turkey
  • 2 quarts of green beans
  • 2 quarts of mashed potatoes
  • 24 ounces of gravy
  • 12 dinner rolls

The bundle meal only serves 8 to 10 people. However, if you’re expecting more guests, you do have the option of adding additional sides. Or you can opt to build your own meal and choose your own sides and quantities.

You can order your holiday meal by stopping by or calling your nearest participating Shoney’s. The deadline for ordering is Monday, Nov. 19, and the meal must be picked up by 7 p.m. on Wednesday, Nov. 21.

3. Cracker Barrel

Nothing says “homestyle” like Cracker Barrel. With its Heat n’ Serve Holiday Family Meal To-Go, you know you’ll get comfort food — and plenty of it.

This down-home meal feeds up to 10 people for $ 109.99, which comes out to $ 10.99 per person.

The meal includes:

  • Two oven-roasted turkey breasts
  • Cornbread dressing
  • Turkey gravy
  • Cranberry relish
  • Your choice of three country sides
  • Sweet yeast rolls
  • Pumpkin pie and pecan pie

It’s pricy per person, but Cracker Barrel’s Thanksgiving meal gives some good options.

And if you’re hosting a smaller Thanksgiving dinner, you can grab the Homestyle Turkey n’ Dressing Family Meal To-Go, which serves up to six people for $ 67.99, or $ 6.79 per person. The meal includes:

  • Turkey
  • A sampling of sugar cured ham
  • Cornbread dressing
  • Turkey gravy
  • Cranberry relish
  • Your choice of three country sides
  • Choice of bread

Sorry, no pies included with this one, but still a good deal for a smaller crowd.

4. Boston Market

Thanksgiving dinner from Boston Market.

Boston Market prides itself on its homestyle food, so when Thanksgiving rolls around, it’s not about to step back. It gets in on the action with its complete Thanksgiving meal for 12.

The price for up to 12 people is $ 119.99, putting it at $ 10 per person.

The meal includes:

  • One roasted turkey
  • Two orders of vegetable stuffing
  • One order of spinach artichoke dip with crackers
  • 24 ounces of cranberry walnut relish
  • Two orders of mashed potatoes
  • 12 dinner rolls
  • Two orders of gravy
  • One apple pie
  • One pumpkin pie

Cranberry walnut relish? Spinach artichoke dip? The downside may be that your family will know that you couldn’t pull that off yourself! If you can convince them, kudos to you.

But if you really want to be convincing, you could go for the essential turkey meal for $ 99.99, or $ 8.33 per person, instead. This meal also serves up to 12 people and includes:

  • One roasted turkey
  • Two orders of vegetable stuffing
  • Two orders of mashed potatoes
  • Two orders of gravy
  • 12 dinner rolls

No fancy dips or pies included with this one, so your secret is safe with us!

And for smaller families (up to 6 people), you’ll find two meals to choose from on Boston Market’s heat-and-serve Thanksgiving menu. If you need any additional meats, sides or desserts, you can order from the a la carte menu, which comes fully cooked and chilled for pickup the week of Thanksgiving.

To make your Thanksgiving dinner preparations even less stressful, you can have your heat-and-serve meals, a la carte sides and desserts delivered right to your door through Nov. 18. Keep in mind, all orders are shipped frozen. Once fully thawed, your meal will be ready to heat and serve in two to three hours.

5. The Fresh Market

Thanksgiving dinner from Fresh Market

Fresh Market is known as an upscale grocer, but it doesn’t stretch the budget with its deluxe holiday dinner. If you want variety in your meal, you’ll get it with this one.

The cost to feed 12 to 14 people is $ 149.99, which comes out to $ 10.71 to $ 12.50 per person.

The meal kit includes:

  • One 10- to 12-pound fully cooked turkey
  • 3-pound boneless spiral ham
  • 4 pounds of Yukon Gold whipped potatoes
  • 3 pounds of traditional herb stuffing
  • 30 ounces of turkey gravy
  • 2 pounds of corn soufflé
  • 2 pounds of green beans
  • 16 ounces of cranberry relish with walnuts
  • 24 dinner rolls

Wait. Turkey and ham? That’s crazy talk! Plus, the sides look amazing. If you have a Fresh Market nearby, this could be a great option.

If your Thanksgiving dinner will be a little smaller — as in 8 to 10 people — then you can go for the traditional holiday dinner for $ 79.99, or about $ 8 to $ 10 per person.

This meal includes:

  • One 10- to 12-pound fully cooked turkey
  • 3 pounds of Yukon Gold whipped potatoes
  • 3 pounds of traditional herb stuffing
  • 30 ounces of turkey gravy
  • 16 ounces of cranberry relish with walnuts
  • 12 golden dinner rolls

And if your Thanksgiving table is even smaller, you can grab the essential holiday dinner for 3 to 5 people. This heat-and-serve meal rings in at $ 54.99, or about $ 11 to $ 18.33 per person, and includes:

  • 3 1/2-pound fully cooked turkey
  • 2 pounds of Yukon Gold whipped potatoes
  • 2 pounds of traditional herb stuffing
  • 1 pound of green beans
  • 30 ounces of homestyle turkey gravy
  • 8 ounces of cranberry relish with walnuts

The deadline for ordering in stores is Nov. 21, or you can order online by Nov. 18. The Fresh Market will be open Thanksgiving Day from 8 a.m. to 3 p.m.

6. Bob Evans

Thanksgiving dinner from Bob Evans.

To feed 12 people with Bob Evans’ Turkey Farmhouse Feast, you’d need to order one eight-person meal and one four-person meal. Together, they run $ 129.98, putting your bill at  $ 10.83 per person.

The meal includes:

  • Two slow-roasted turkey breasts
  • Bread-and-celery dressing
  • Homestyle mashed potatoes with gravy
  • Buttered sweet corn
  • Green beans with ham
  • Cranberry relish
  • Dinner rolls
  • Two pumpkin pies
  • One loaf of pumpkin bread

You can also opt for the Premium Farmhouse Feast which feeds 10 people for $ 114.99, or $ 11.50 per person, and includes:

  • Slow-roasted turkey breast
  • Hickory-smoked ham
  • Bread-and-celery dressing
  • Homestyle mashed potatoes with gravy
  • Buttered sweet corn
  • Green beans with ham
  • Cranberry relish
  • Macaroni and cheese
  • Pumpkin bread
  • Dinner rolls
  • Pumpkin pie
  • Double-crust apple pie

The meals are packed cold, but heating instructions are included.

7. Hy-Vee

If you’re lucky enough to live in the Midwest where you can shop at Hy-Vee, you have a great holiday meal option with its family feast turkey dinner. Those outside the Midwest don’t know what they’re missing from this Iowa-based grocery store chain.

The price for up to 12 people is $ 129.99, which comes out to $ 10.83 per person.

The meal includes:

  • One 14- to 16-pound Butterball turkey
  • 48 ounces of turkey gravy
  • Two large sides of mashed potatoes
  • Four large sides of your choice (including dessert)
  • 24 dinner rolls

This is a no-frills, basic Thanksgiving meal, but there’s plenty of it! How much is 48 ounces of gravy, you ask? That’s 6 cups of savory delight, plus over one pound of turkey, per stomach. Perfect for bulking up for a hard, Midwestern winter. The instructions say to plan for 2 1/2 hours to reheat the meal.

8. Whole Foods Market

Tanksgiving meal from Whole Foods.

OK, you’re ready to pull out all the stops. “Go big or go home” is a great motto for this holiday. Whole Foods’ festive feast for 12 isn’t cheap, but it’ll blow the doors off your Thanksgiving — as well as your belt buckles and buttons.

The price for up to 12 people is $ 269.99, which comes out to $ 22.50 per person.

It includes:

  • One 14-pound classic roast turkey
  • One 7-pound spiral-cut ham with 8 oz. of maple-mustard glaze
  • 6 pounds of creamy mashed potatoes
  • 6 pounds of traditional herb stuffing
  • 3 pounds of green beans with crispy garlic and parsley
  • 4 pounds of roasted butternut squash with cranberries and sage
  • 4 pounds of creamed spinach and kale
  • 48 ounces of holiday turkey gravy
  • 32 ounces of cranberry orange sauce
  • One pumpkin pie
  • One apple pie

Yeah, that’s a meal for 12 with 21 pounds of meat. All in all, it’s about 50 pounds of delicious food. That’s 4 pounds per guest. At $ 269.99, it’s a more expensive option, but you’re getting a lot of food for your buck. Plus, there are a few smaller holiday meal options.

Remember, holidays should be fun and relaxing, not tiring and taxing. Sometimes it pays to spend a little money to buy back your time.

So this Thanksgiving, why not order your Thanksgiving dinner to go so you can take a load off and let someone else do the cooking? Your football team needs your help cheering, and it’s hard to do that from the kitchen.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

Jessica Gray is an editorial assistant at The Penny Hoarder. She updated this post for 2018.

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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These Are Some of the Most Beloved Heroes and Villains You’d Never Know Without Stan Lee

In the wake of reports that Stan Lee passed away at the age of 95 on Monday, fans are mourning the loss of the legendary Marvel Comics creator.

Lee, who made cameos in a number of the Marvel Cinematic Universe movies, is credited with creating some of the most popular comic book superheroes and villains of all time, including Spider-Man, the X-Men and the Incredible Hulk.

“I think everybody loves things that are bigger than life. … I think of them as fairy tales for grown-ups,” he told The Associated Press in a 2006 interview. “We all grew up with giants and ogres and witches. Well, you get a little bit older and you’re too old to read fairy tales. But I don’t think you ever outgrow your love for those kind of things, things that are bigger than life and magical and very imaginative.”

The true origin stories of some superheroes aren’t always clear. But without Stan Lee, the world of heroes and villains would be a lot smaller.

Here are some of the most beloved heroes and villains you’d never know if it wasn’t for Stan Lee.

Heroes created by Stan Lee

• Ant-Man
• Ancient One
• Avengers
• Beast
• Black Panther
• Black Widow
• Captain Marvel
• Cyclops
• Daredevil
• Doctor Strange
• Fantastic Four
• Groot
• Hawkeye
• Hulk
• Human Torch
• Iceman
• Invisible Woman
• Iron Man
• Jean Grey
• Mister Fantastic
• Nick Fury
• Professor X
• Quicksilver
• Scarlet Witch
• Spider-Man
• Thing
• Thor
• Wasp
• X-Men

Villains created by Stan Lee

• Doctor Doom
• Doctor Octopus
• Green Goblin
• Kaecilius
• Kingpin
• Loki
• Magneto
• Sandman
• Vulture
• Whiplash


Entertainment – TIME

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These 11 Easy DIY Alternatives Will Save You Money on Household Products

The older I get, the more I realize how much I’ve been duped into buying items I don’t need.

I thought I needed specific store-bought products until years of being broke forced me to find affordable DIY alternatives. I learned to forgo some items all together.

Seeking out other options for expensive household products can save you money and make a dent in your bottom line over time.

Affordable DIY Alternatives for 11 Household Items

Edge these items off your grocery list and put more money in your pocket with cheaper substitutes — or by doing a little DIY experimentation.

Deodorant

A person holds a lemon outside near a plant.
Lemons can work as a deodorant, but they do not block perspiration. Tina Russell/The Penny Hoarder

I didn’t waste money on deodorant for years because I didn’t need it. Why buy something I didn’t need?

Well… I did need it eventually and found an inexpensive natural alternative that blew my mind.

Lemons work as a natural deodorant. Citric acid kills bacteria and odor, plus this method is 100% natural.

Dice up the lemon into wedges and rub the juice side of the wedge on your armpit. Get the whole area wet. One wedge should work for both sides.  It doesn’t take much, and the same wedge can be used until it dries out, which can be days or more than a week.

You can use fresh or overripe lemons. Experiment to find what size works for you. They will not stop you from sweating because they’re not antiperspirant.

Pro tip: Do not apply after a fresh shave, ladies. It’s painful and might cause irritation. Trust me.

Not into lemons? Try Crystal brand mineral deodorant. One stone costs around $ 3 and can last for a year.

Mouthwash

A person makes saltwater.
Dissolve table salt into a glass of water for a mouthwash replacement. Tina Russell/The Penny Hoarder

A name-brand bottle of mouthwash costs between $ 5 and $ 10. A saltwater rinse costs a few cents. Mix table salt with warm water and you have the cheapest mouthwash around.

Or try apple cider vinegar, a common homemade mouthwash before over-the-counter mouthwashes became popular. Use two tablespoons of apple cider vinegar and one cup of filtered water.

Another solution is right in your medicine cabinet for a fraction of the cost: hydrogen peroxide.

Look closely at the bottle, which says, “oral debriding agent” right on the front. This means it is safe to put in your mouth as an oral wound cleanser. On the back, you’ll find debriding instructions. You basically dilute with water and swish for a minute.

You should use the water and peroxide mixture immediately, and don’t save any leftover solution.

Hana Rashid, a dentist in Roseville, California, said she loves to gargle and swish with peroxide, especially when she has a cold or sore throat.

It helps reduce inflammation in the mouth and keep bleeding from gum disease down between visits, she says. The burning or bubbling sensation means it’s working to calm inflammation.

“It is not an unsafe mouthwash, but care must be taken not to swallow large amounts,” she said.

Peroxide is the main ingredient in tooth-whitening products, so if left too long, Rashid warned, it can temporarily bleach your gums, lasting about 20 to 30 minutes.  

Swishing with peroxide will yield similar results as expensive mouthwash, but it won’t taste great.

“I like to use essential oils, like peppermint, cinnamon bark and clove in water,” she said.

Try mixing peroxide with baking soda for your own whitening paste and skip buying whitening strips while you’re at it.

Shaving Cream

A bar of soap is photographed with a razor.
Bar soap can be used as a replacement for shaving cream. Tina Russell/The Penny Hoarder

I stopped using shaving cream years ago.

I simply sub in bar soap or hair conditioner.

Most of us have a nearly empty bottle of conditioner occupying precious shower real estate. Use up that sad vessel next time you shave. You’ll wonder why you bought shaving cream all these years.

Conditioner and bar soap aren’t ideal for facial shaves, so try substitutes like shave soap or aloe vera. One $ 3 bar of shave soap can last more than six months.

For aloe vera, apply directly from the plant to your face, or use an affordable gel. It works great as an aftershave, too. Its anti-inflammatory properties reduce razor burn and irritation.  I have a garden full of the stuff, so it’s a freebie for me. Consider planting some!

Cleaning Rags

It took years before I figured out that I didn’t need to buy cleaning rags. (Don’t be mad at yourself for not realizing this sooner.)

Use old undershirts, leftover fabric and any clothes unfit for donation.

Tear or cut them — careful to remove any buttons — into pieces. They last longer that way, and you’ll have an endless supply to fit your cleaning needs. Toss them in the wash and reuse until they reach retirement age.

As for that orphaned sock, put your hand inside and use it to remove dust. Wash, repeat.

Paper Towels

A stack of dish towels are photographed.
Try using dish towels and wash cloths instead of paper towels. Tina Russell/The Penny Hoarder

This one is really hard to quit. Paper towels are so integrated into our daily lives that we hardly notice how many we use for tasks such as cleaning up spills, wiping greasy paws or picking up dead bugs.

My usage greatly decreased when I invested $ 12 in a set of 12 cloth napkins. I use one multiple times before washing (unless I’m extra messy) and always have extra for guests.  

This one move significantly reduced the volume of paper towels I went through and freed up a little room in my grocery budget.

A coworker said she likes to use cheap fabric from Goodwill and repurposes old tablecloths as napkins instead of buying paper towels.

When it comes to spills or hand drying, use wash cloths and dish towels, or something from that old T-shirt rag pile. You’ll be surprised at how little you need paper towels.

Makeup Remover

A person squirts jojoba oil onto her fingertips.
Jojoba oil can be used to remove eye makeup. Tina Russell/The Penny Hoarder

There are makeup removing wipes, creams, pads, cloths and an assortment of accessories to clean your face at the end of the day.

Stocking up on these not only takes up space, but they steal valuable budget dollars from more important items.

Jojoba, olive and coconut oil remove makeup.

These one-ingredient wonders last for months, have a multitude of uses and take up little space. You might even have one of them in your home already. Most oils do the trick, so try something that works best for you.

If oil isn’t an option for you, try aloe vera, alcohol-free witch hazel, shea butter, a cotton ball dipped in milk or a cucumber slice to remove makeup.

Bathtub Cleaner

I have tried so many bathroom cleaners. None of them quite works right.

Once I tried to strong-arm tub stains by combining all the cleaners I had. That dangerous concoction was a terribly unsafe idea that didn’t work, either.

Did you know that you can use a grapefruit or lemon juice to clean your bathtub?

Get your tub wet. Cut a grapefruit in half and sprinkle salt on the exposed part. Start scrubbing! Use this technique on sinks and faucets.

Lemon juice with a scrub brush yields a similar result. The acidity of both fruit eats through scum and leaves your bathroom smelling naturally fresh (and not like a chemical bomb).

If you wanna skip the fruit scrubs, try one of these cheap DIY cleaner recipes or a homemade cleaning product  to get the job done.

Dryer sheets

Wool dryer balls are pictured on a pile of laundry. They naturally help keep clothes soft and static-free without using dryer sheets.
Sharon Steinmann/The Penny Hoarder

Dryer sheets are a common laundry additive that you just don’t need. They’re a single-use product far from waste-free, and full of chemicals.

I stopped using them years ago and don’t miss ’em one bit. If you don’t need them, don’t use ’em.

However, if you live in a dry climate or are a static magnet, then try wool dryer balls instead of dryer sheets.

They’re good for thousands of uses, reduce static cling and wrinkles and speed up drying time. Not to mention they’re cheap, nontoxic and chemical-free.

WD-40

A coconut oil cooking spray is photographed.
Cooking spray can be used as a replacement for WD40. Tina Russell/The Penny Hoarder

You know what you have in your home and works just like WD-40? Cooking spray.

Yup, I use cooking spray anywhere I would WD-40.

It greases sticky locks and creaky doors and unsticks gum. You can also use Crisco or a homemade concoction of cooking oils if that’s what you have on hand.

Fabric Softener

Remember when we talked about that nearly empty conditioner bottle earlier?  If you don’t want use it to shave, consider repurposing it as a fabric softener.

Try this homemade fabric-softener recipe by mixing two cups of conditioner, three cups of white vinegar, six cups of water and adding any essential oils you like (optional), and voilà; you just saved yourself from buying overpriced fabric softener.

Stain Remover

Dawn dish soap is photographed with an old white shirt.
Dawn dish soap can be used to get rid of stains. Tina Russell/The Penny Hoarder

Not all stains are created equal. Removing them is an art form unless you have blue Dawn dish soap. That’s the secret ingredient in most DIY stain removers.

Most DIY recipes have a variation of peroxide, baking soda and water. Maybe you’ll learn  a personal favorite (do tell), but try this mom’s “miracle cleaner” that works on carpet, clothes and upholstery to get you started.

How excited are you to try all this home?

Next time you’re at the store, don’t forget to smile when you pass all the items you don’t need to buy anymore.

Stephanie Bolling is a staff writer at The Penny Hoarder. She may have reached granola status.
Read her full bio here or say hi On Twitter @StephBolling.

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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These Millennials Have Invested in Real Estate All Over the Country. Here’s How

At just 35 and 29, Christopher and Meghan Miller are semi-retired.

The couple, with their infant son, Ben, recently quit their jobs and moved from Columbia, Maryland, to Berryville, Virginia — a town of approximately 4,000.

Their new home is perched on two acres. Across the street is a horse farm. Down the road is an organic farm where Christopher harvests produce twice a week. He’s paid in vegetables, which Meghan, an enthusiastic cook, plans meals around.

“We’ve just embarked on this semi-retired adventure of doing work we really enjoy and value instead of doing work that just has the highest salary or because we have to,” Christopher said.

The couple has worked hard to afford this new phase of life. Christopher, a former systems engineer, and Meghan, a former high school English teacher, built up their savings and sources of passive income, mostly through real estate investments.

In addition to four rental properties, the couple has invested in a diversified portfolio of real estate projects across the country — from Washington, D.C. to Los Angeles — through an automated investment experience.

“I don’t have to manage them; I don’t have to do the work to improve the properties; I don’t have to find tenants, evict tenants,” Christopher says.

Unlike traditional real estate investments, the Millers back these national building projects through an online platform called Fundrise. Since 2016, Fundrise has paid dividends each quarter. (Note: As with any investment, past performance isn’t indicative of future results.)

Living off of Passive Income

A man's hand holds a mobile phone showing a web page near a horse's head.
A neighbor’s curious horse ambles by as Chris Miller checks his Fundrise account on his mobile phone. Ting Shen for The Penny Hoarder

Real estate piqued Christopher’s interest about 12 years ago when he read “Rich Dad Poor Dad” by Robert Kiyosaki and Sharon Lechter. The book emphasizes the importance of investing, particularly in real estate.

In 2006, while still in college, Christopher purchased a rental home in Elkridge, Maryland.

“It was kind of a roller coaster,” he says. “At first I thought, ‘Man, this investing in real estate is really easy.’”

The first property’s value had increased 20%, so he purchased another house in 2008.

Then the market crashed.

By 2009, he was under water on both properties. He had purchased the first home with an interest-only mortgage. “It was a really bad loan that plagued the investment even more after the market crash,” he said.

After recruiting roommates, he lived in one house for free for about five years. (He also met Meghan in that neighborhood, so it all worked out.)

Still, he owed money.

In 2013, Christopher started feeling less gun shy about the real estate market, so he purchased a third rental. Then, a few years later, he and Meghan purchased several flip properties.

“It’s been a wild ride,” he says. “The passive income and making money while I sleep — I love that about real estate.”

In April 2016, he found an easier way to invest in real estate — one that didn’t require sweat equity, tenants and all the horror stories that come with owning rentals.

He could drop in as little as $ 500 and invest in properties across the U.S. through an online investment platform called Fundrise.

“I view our investments in Fundrise as something even more passive than the rental properties we own,” Christopher says.

Invest in Real Estate Online

A man looks at a laptop while sitting at a table in his home.
Miller uses a laptop to check his Fundrise account at his home in Berryville, Va. Ting Shen for The Penny Hoarder

Fundrise was launched in 2012 by two real estate investors and brothers. It aims to give everyone a chance to invest directly in real estate. It cuts the unnecessary middlemen, enabling it to offer low-fee diversified real estate investments to anyone with a computer. (There’s a 0.85% annual asset management fee and a 0.15% annual investment advisory fee.)

More than 200,000 Fundrise members are on the platform today, and Fundrise has invested in approximately $ 2.5 billion in real estate since its 2015 launch. Think of it like this: Fundrise is crowdfunding for new real estate projects across the country. Investors can hop in with as little as $ 500 or much more.

Taking Some of the Complexity out of Real Estate Investing

A smiling man holding a crate and wearing a cowboy hat stands by a tractor.
Miller carries freshly picked tomatoes at a neighbor’s farm. He earns a share of the produce for his family by helping with the harvest. Ting Shen for The Penny Hoarder

Investing in anything involves risk. But since 2014, Fundrise has seen historical returns of 8.7% to 12.4%.

For Christopher and Meghan, the online experience is a lot less weighty than those traditional real estate investments.

For example, remember the housing market crash of 2008 and how Christopher found himself under water on his properties? He finally sold one of those a few months ago — after 12 years of hanging on. He said it almost wasn’t worth the effort.

With Fundrise, Christopher can easily invest in real estate through the online platform, which puts his money into various income-producing properties, leaving him with a diverse portfolio of investments — from apartment renovations in Ann Arbor, Michigan, to stabilized apartments in Colorado Springs, Colorado.

Making Real Estate Investing More Accessible — Even in L.A.

Christopher and Meghan follow the progress of each project they’ve invested money into through Fundrise, thanks to regular email updates. Each email features photos and videos, updating them on new, completed and in-progress projects.

“The emails help remind you that you’re actually investing in something real,” Christopher says. “Like a condo in D.C. or a single-family home in L.A.”

Getting Started With Fundrise

A man stacks crates of fresh vegetables in a cold storage room.
Miller sets down a crate of fresh okra in the cold room of a neighbor’s farm. Ting Shen for The Penny Hoarder

Christopher receives automatic payments directly into his checking account.

Because Christopher and Meghan don’t need the money right now, they can use the software to easily reinvest any dividends they may receive, putting it right back into projects.

The Fundrise Starter Portfolio is currently open to all investors and requires $ 500 to start. There’s a 90-day satisfaction period, so if you’re not happy, Fundrise redeems your investment at the original amount*. If you invest $ 1,000 or more, you can select one of the advanced plans –– Supplemental Income, Balances Investing or Long-Term Growth.

Moving Forward and Affording a Semi-Retired Lifestyle

A young couple and their little boy pose for a family photo in a vegetable field on a farm.
Chris and Meghan Miller pose for a photo with their 8-month-old son Finnegan at their neighbor’s farm. Ting Shen for The Penny Hoarder

As Christopher and Meghan settle into their new home in Berryville, Virginia, they find ways to piece together their income without full-time jobs.

Christopher does part-time landscaping and tree work on the side, which results in profitable firewood. Meghan has plans to write freelance. They also have a steady income stream thanks to their rental properties.

They say they’ll take out money from their investments if they need, but so far that hasn’t been necessary.

*Redemptions are subject to certain restrictions. See Full Disclosures for more information.

The publicly filed offering circulars of the issuers sponsored by Rise Companies Corp. (parent company of Fundrise), not all of which may be currently qualified by the Securities and Exchange Commission, may be found at fundrise.com/oc.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer. No offense to The Penny Hoarder or anything, but she’d love to be semi-retired right about now.

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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By wearing these jeans, Meghan changed the life of 30 women

While some people might think the cost of Meghan Markle’s Australian wardrobe might have been high, you can’t deny that the Duchess is great at showing her support for emerging brands and designers.

Plus, Meghan is an advocate of sustainable and ethical fashion, which she proved by wearing one particular pair of jeans more than five times on the tour.

Said jeans are by Australian brand Outland Denim, who use organic cotton and natural vegetable dyes to make their jeans.

View this post on Instagram

What a week for Outland Denim! Never could we have imagined the overwhelming support shown to our brand, our team and our mission since the Duchess of Sussex wore our Harriet jean not once but multiple times during her stay in Australia for the Invictus Games. This quiet, dignified, but determined support for our brand – and the humanitarian cause it represents – means the world to us, to our beautiful seamstresses, and to the 15 young women who are now feeling the empowerment of employment thanks to the "Markle Effect"! Meghan's modelling of positive change through the power of fashion sets a precedent for all other people with a public profile. Now to enjoy watching the Royal couple in New Zealand along with the rest of the world! 🌎 #madedifferent #zeroexploitation . . . . . 📸 Annette Dew/Newspix, Samir Hussein/Getty images

A post shared by Outland Denim (@outlanddenim) on

But more importantly, by wearing them, Meghan changed the life of 30 women. You see Outland Denim employ women in Cambodia who have been enslaved or sexually exploited.

Once the Duchess was spotted wearing the black Harriet jeans, these sold out within 48 hours, resulting in a massive 640% increase in sales.

Outland Denim has said that as a result, it can employ up to 30 more women.

In an Instagram post, it said, ‘Thanks to the Duchess’ choice in denim, we’re pleased to announce that it will be possible to employ a further 15 to 30 seamstresses in our Cambodian production house in the coming weeks, and the recruitment process has already begun’.

Another one read, ‘This quiet, dignified, but determined support for our brand – and the humanitarian cause it represents – means the world to us, to our beautiful seamstresses, and to the 15 young women who are now feeling the empowerment of employment.’

Excellent news indeed.

The post By wearing these jeans, Meghan changed the life of 30 women appeared first on Marie Claire.

Marie Claire

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These are the tools veterans need to get the job

Transitioning from the military to the civilian world of work can feel like a minefield. Do you take the first job offer, or interview for several jobs to help you figure out what you want to do and where you want to work? How do you explain to the human-resources screener that your communications experience…
Business | New York Post

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Humor and Horror Go Hand in Hand in These Spooky Stories

Photo Illustration by Elizabeth Brockway/The Daily Beast

As anyone with a cursory knowledge of Halloween knows—which is to say, anyone from age two and up—the model ghost is a haunt who is skilled at parting you from your ability to remain unafraid.

Whether emerging from beneath your bed, the recesses of your closet, or the family crypt where you drink a pony of liquor each year to toast those who’ve have gone before, the best ghosts are in the terror business.

But what of the ghosts who make us laugh? What of their rich literary history? In even the scariest ghost stories, there tends to be some humor. Something potent often sparks its opposite, so humor works well with terror for the same reason that you see death and life and love and hate riding together.

Read more at The Daily Beast.

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These 5 health benefit enrollment mistakes could cost you in 2019

Defaulting into the previous year's health-care options might cost you extra. Here are the common errors workers are likely to make when they select their benefits for 2019.
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Click today to request your free ACRX discount prescription card and save up to 80% off off of your medicine!

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JetBlue is giving out free Halloween candy in these three cities

You don’t have to be booked on a JetBlue flight to score a free snack from the airline this Halloween.

The company will be handing out treats for the holiday in New York, Boston and Boca Raton, Florida in makeshift spots called JetBoo houses.

The airline that prides itself on being the first to…

Life Style – New York Daily News

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These are New York City’s best pizza restaurants

Never before has the New York City pizza scene been as strong and diverse as it is today. World-famous pizzaiolos are continually trying to break ground in this food epicenter to see if their pies can compete, and other types, such as Detroit-style pizza, are starting to become popular pizza contenders too.


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Check your kitchen for these recalled foods

Be careful what you eat! A variety of foods, including curry powder, meats and poultry, have been recalled recently due to confirmed or possible contamination.


CNN.com – RSS Channel – Health

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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!

‘People are worried and people are scared.’ These workers are hurt by Trump’s trade war, but ineligible for his bailout

The administration’s $ 12 billion bailout is available to specific farmers, but there is no bailout mechanism for a host of other firms losing cash from the trade battle, such as shipping, grain elevators and farm equipment vendors.
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These Bestselling Wedge Booties Are Now Available in Pretty Fall Colors

Goodbye sore feet! As much as we love our heels, it’s time to switch them up without sacrificing our style. When the Shop With Us team found the super cool Linea wedge booties, Us readers rushed to snag as many pairs as they could. We could totally see why: They have a sporty design, are super stylish and best of all, have a wedge heel that provides height without sacrificing comfort. They were originally available in only two shades, so of course we stayed on the lookout for the booties to drop in more colors. Lucky for our fall footwear plans, the shoes are now available in eleven beautiful hues.

The Linea Paolo ‘Felicia’ Wedge Bootie is a simple way to add a sophisticated touch to our street style looks! It has a simple silhouette with a leather upper portion, lining and a rubber sole. The bootie also has a 2.5″ heel with a .5″ platform that gives the same lift as traditional pumps, but with extra comfort. We couldn’t stop swooning over the black camouflage and navy suede designs, but now we must add this cool Toffee shade to our growing shoe collection.

linea wedge heels toffee suede
Nordstrom

See it: Grab the Linea Paolo ‘Felicia’ Wedge Bootie for $ 119.95 while so many new colors are available! 

This Toffee shade is great for pairing with other neutral separates in our closet. We can easily pair the Toffee hue with our dark denim skinny jeans, a simple cute top and a shearling coat. The booties will also look great with a long-sleeve bodycon dress!

Check out how cool the Toffee wedges look with a fully styled ensemble.

linea paolo felicia wedge booties
Linea Paolo

Anyone who loves the idea of the wedge in a neutral color, but prefers to go a little lighter, can also grab this version of the shoe:

light pink suede wedge bootie
Nordstrom

For an edgier look, the bootie is also available in this traditional dark green camouflage design:

camouflage linea paolo wedge bootie
Nordstrom

Sizes range from 4 to 13! We’re not the only ones who adore the booties — more than 600 reviews back up our claim! Shoppers who purchased the booties raved most about how comfortable they are with one person noting they were perfect for the extensive walking they did on a trip abroad. Another reviewer loved how the wedge design made her casual outfits look “instantly put together.” The most popular Linea wedge bootie styles named by shoppers are the different camouflage versions. Several shoppers noted that they grabbed the shoe in multiple colors.

linea paolo wedge
Nordstrom

A few reviewers shared that the wedge booties ran big on their feet, so pay close attention to the style guide to grab the most comfortable fit.

See it: Grab the Linea Paolo ‘Felicia’ Wedge Bootie for $ 119.95 while so many new colors are available! 

 

Check out more of our picks and deals here!

This post is brought to you by Us Weekly’s Shop With Us team. The Shop With Us team aims to highlight products and services our readers might find interesting and useful. Product and service selection is in no way intended to constitute an endorsement by either Us Weekly or of any celebrity mentioned in the post. 

The Shop With Us team may receive products free of charge from manufacturers to test. This does not drive our decision as to whether or not a product or service is featured or recommended. Shop With Us operates independently from advertising sales team. We welcome your feedback at ShopWithUs@usmagazine.com. Happy shopping!

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Why Instagrammers Are Going Wild Over These Debt-Free Coloring Charts

In 2009, Heidi Ifland Nash and her husband were paying off $ 38,000 of debt.

They’d been working on it for several years. At one point, Nash wanted to see tangible progress, so she decided to track their payments on paper with a chart she could color in as they inched toward their goal.

“The very first chart I made was just a big square with lines,” she said, laughing. “I said, ‘This is so boring! I’m gonna put some words on it.’”

She typed the words “debt free” in white text over a black box and added evenly spaced lines from top to bottom. She divided her debt by the number of lines and added the increments to the side. It was the first official Debt Free Chart.

“I was looking for something more inspiring than just the big ugly square that I’d made, and the thermometers just didn’t do it for me,” she said. “[They] just felt like a guilt-based fundraiser.”

Then, she uploaded her chart in the Living Like No One Else forum for people paying off debt. Soon, people started asking for personalized charts.

“I was custom-making everyone’s numbers,” she said. “It didn’t occur to me for months to make ones with just lines and no numbers on the side.”

From there, people asked for different words. First was “car loan.” Other types of loans followed. The first 16 to 20 designs came from requests from the forum.

Nash wanted to make them available to anyone, so she uploaded them to a Blogspot blog in 2010. Then, she forgot about them.

Over the next seven years, Nash had no idea that word of her charts was spreading on social media and Pinterest. People were downloading them constantly.

Why Coloring Can Help You Reach Your Goals

One of Heidi Nash's charts is incorporated in this vision board created by The Penny Hoarder.
Chris Zuppa/The Penny Hoarder.

Studies have shown that envisioning yourself doing something can help you actually accomplish it.

People often make vision boards with pictures of trips they’ll take or the car they’ll upgrade to once their debt is gone. But a vision board celebrates future achievements. It’s just as important during the journey to remind yourself of what you’ve already accomplished.

That’s what Debt Free Charts offer. They make the stale process of paying off debt interactive. Every payment is a celebration of moving one step closer to that vision board goal.

Now, almost a decade after Nash uploaded her first chart, when you search through the #debtfreecommunity on Instagram, it won’t take you long to find photos of brightly colored pages with the words “credit card,” “student loan” or “emergency fund.”

“It’s a great visual motivator to keep going,” said Michelle Brady, who’s using the car fund, credit cards and savings challenge charts.

How Debt Free Charts Got a New Life

One of Heidi Nash's charts is incorporated in this vision board created by The Penny Hoarder.
Chris Zuppa/The Penny Hoarder.

In December 2017, Nash got a chart request. It was the first in a while.

She had become debt-free and gone on to home-school her kids while trying various entrepreneurial ventures in the years since she’d uploaded the charts.

After checking her blog, Nash realized the file storage system and a lot of the links to charts weren’t working. So she moved the charts their own website.

She got the idea to post pictures of people with their charts. She knew some YouTubers had filled out the charts, but she didn’t know what to expect beyond that.

What she found were hundreds of pictures on Instagram with the hashtag #debtfreecharts.

“It’s kinda taken on a life of its own,” Nash said. “It’s doing things I never expected it to do.”

Nash never expected her first Debt Free Chart would turn into the more than 80 she has on her website now. Most cost $ 1, but 20 are free.

At $ 1 each, she isn’t looking to get rich on chart sales. She wants to break even for the cost of running the website. She’d rather use the popularity of the charts to give more away for free.

Nash’s goal is to give out 150,000 free charts in 2018 — and she’s already 50,000 charts toward her goal.

Which ones are her favorites? She loves seeing people post their finished starter emergency fund charts.

“It’s such a ‘Wow, I can do this’ moment for people when they fill that one out,” she said.

Another favorite is the adoption fund chart.

She’s also starting to run challenges to help people meet their savings goals faster. She wants to create a sense of community among those paying off debt.

“You see their joy and relief, and you see the pride in the work that they’ve done to pay off the debt,” Nash said. “It’s something I never expected to feel.”

Jen Smith is a staff writer at The Penny Hoarder. She gives money-saving and debt-payoff tips on Instagram at @savingwithspunk.

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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Tap your makeup bag to create these cool Halloween looks

Everyone has a die-hard Halloween friend who spends months preparing for the big day. But for the rest of us who are shamelessly slapdash when it comes to the holiday, there’s still hope, says Glamsquad artistic director Kelli J. Bartlett. She conceives glam, ghoulish looks for a crew of 600 on-demand makeup artists to be…
Fashion News, Photos, and Video | New York Post

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How much will these suspensions hurt the Lakers and Rockets?

What impact will suspensions for Brandon Ingram and Rajon Rondo of the  Los Angeles Lakers and Houston Rockets guard Chris Paul have? As expected, the NBA levied suspensions Sunday in the wake of the altercation during Saturday night’s Rockets win that started with Ingram pushing James Harden and saw both Paul and Rondo throw punches after Paul felt Rondo spit on him intentionally. How will Houston and L.A. replace their suspended players and what kind of difference might that make over the next few games? Let’s take a look. Bad timing for Lakers While there’s never a good time to lose two starters to suspensions, this is a particularly bad one for the Lakers. Besides depriving them of necessary time to build cohesion after the addition of LeBron James (and Rondo) this offseason, it also comes at a point when the Lakers are facing a number of teams that also…
ABC News: Sports

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These Coffee Lovers Brewed Up a Florida Business From the Back of a Bike

Decision-making, long hours, late nights, financial concerns, constantly changing plans — it’s no secret that starting your own business is hard work.

It’s no different for the owners of Made Coffee, but at least they have direct access to a caffeine source at all times.

Specializing in canned and kegged cold-brew coffee — because, hello Florida heat — Made Coffee is on a mission to bring on-the-go, iced caffeine to the masses.

As the company continues to gain traction in the Sunshine State, co-founders Michael Rideout and Taylor Prater took some time from their 14-hour work days to look back at where they’ve been and talk about how far they want to go.

Biking With the Brews

A can of Made Coffee is held next to some plants.
Made Coffee produces upwards of 15,000 cans of cold brew coffee a day. Tina Russell/The Penny Hoarder

Like many a good story, the origins of Made Coffee can be traced back to a beloved local bar.

Back in 2015, Rideout and Prater were both working at Mandarin Hide, a trendy cocktail bar nestled in the heart of downtown St. Petersburg. Thanks to the combination of popular  espresso-based cocktails and an espresso machine that was constantly acting up, the idea for a cold, concentrated coffee product began to brew.

“We basically just started tinkering around, bought some equipment and started brewing out of the house,” says Rideout.

In keeping with their cocktail origins, they pitched the cold and nitro brew coffee creations in keg form to local bars and restaurants. They secured about five accounts to serve the product on tap in that first month.

Another good way to get word out about the newly made company? Hit the streets.

Rideout and Prater ordered a bike online and then hired someone to build a custom box frame — complete with a tap system — so that it was perfect for peddling the kegged coffee on the go. All in all, the custom bike ended up costing around $ 4,000 — about 50% of Made Coffee’s total startup costs.

They would do pop-up events with the bike, usually in front of one of their original account locations, but they really weren’t selling coffee as much as giving it out. And on top of that, they were selling their product to accounts at cost — basically just enough to cover what they were spending to make the brew.

Rideout says they focused on consumer education for the first year and a half — profitability wasn’t even on the horizon.

“We weren’t making any money,” he says. “We were trying to understand what we were doing, what the product was doing and get a lot of feedback from consumers to see what we needed to do.”

You Can Go Your Own Way

Two people work on roasting batches of coffee.
Brennan Rodriquez, a roaster and quality control specialist, and Rideout work at the company’s cannery. Tina Russell/The Penny Hoarder

After building up brand awareness, they started toying with the the next step in the plan: Opening a cold brew-focused café.

Rideout shopped around downtown St. Pete for a location and came close to settling on a deal, but a meeting with a business mentor made him rethink his retail plan.

He realized that in order for the business to achieve a large footprint and be recognized on more than just a city- or county-wide level, he was going to have to stray from the arguably easier route.

Having seen examples of big-name, ready-to-drink coffee products growing in popularity, he realized that no local businesses in the area had gone the distribution route; they just stuck to local shops.

So wholesale was the name of the game, but again, with origins firmly rooted in the bar realm, Rideout and Prater didn’t want to stray too far. Hence the idea of canned, cold-brew coffee.

Navigating a New Business

A woman with long brown hair attends a business meeting outside.
Taylor Prater, left, co-founder and brand manager of Made Coffee, discusses a marketing strategy that promotes local business with Carissa Scott of Octane Media at Trophy Fish in St. Petersburg. Tina Russell/The Penny Hoarder

Rideout had money saved up for the coffee shop idea and planned on securing another partner at some point, but getting into beverage distribution was a whole different beast. Building out a café could be done for around $ 150,000. But a beverage company? That’s wading into the millions of dollars territory — which is capital that the duo definitely did not have.

To help with the financial burden, they secured partners — who mainly work behind the scenes while Rideout and Prater handle the day-to-day operations. Then in September of 2016, they moved forward with a location for operations.

Dubbed The Cannery and coming in at 2,200 square feet, the facility build-out didn’t really start until January 2017. It took around four months to complete — and cost about half a million dollars.

While the team was waiting on completion of The Cannery construction, they started securing accounts before they even had a canned product to deliver.

“We had a little bit of a following, so we were teasing the idea,” says Rideout. “They were just kind of believing in us.”

And once they were finally ready to launch their canned coffee in April, they had customers waiting for deliveries right off the bat. And thanks to word of mouth, they secured another 20 accounts in the following weeks.

Those 20 accounts quickly turned into 50, and within two months of launching, the caffeinated duo were approaching their biggest pitch yet: Publix supermarkets.

With headquarters just two counties over in Lakeland, Florida, Publix was a good fit for the Made Coffee product. But after only working with local bars, restaurants and speciality grocers, pitching to a giant like Publix was no small feat.

“The learning curve was tough,” says Prater. “Their expectation was for us to already know all of these terms and processes and logistics, so we had to learn it very quickly.”

But their pitch was a success, and Made Coffee found itself in 10 Publix stores in the Tampa Bay area in August 2017. Not only did they have to work with the managers of each location to secure shelf space, Rideout and Prater stocked the shelves on their own.

“It was very early mornings,” says Prater. “But it was a really great experience because you really learn the back end of grocery.”

Making It Day by Day

A man taste test coffee.
Rideout taste tests different batches of roasted coffee. Tina Russell/The Penny Hoarder

In the beginning, Made Coffee was producing around 1,000 to 2,000 cans a day. Now, it’s churning out upwards of 15,000 per day.

Rideout and Prater have been able to run a pretty small production staff due to fast equipment, but their willingness to wear as many hats as it takes to get the job done has also helped.

“Our first couple of production days were bare bones,” says Rideout. “There was a production day that was just Taylor and me.”

“Which is not highly recommended,” Prater counters with a laugh. “But we did it.”

Weekly needs depend on the orders, or pars, but they typically follow the same production schedule: roasting one to four days a week, brewing five days a week, kegging two days a week and packaging one.

Then weekends are usually devoted to demos for potential customers and account visits — to make sure that everyone is happy with the product.

Rideout says he wanted to be involved in every aspect of the business, from delivering cans to visiting accounts to cleaning keg lines to fixing equipment to roasting and brewing coffee. But as Made Coffee continued to grow, taking on new local accounts and increasing its Publix presence, it made sense to bring on a little help.

The company is currently operating with a nine-person staff, but Rideout says that he and Prater still work 14- to 15-hour days on average.

“If there’s a 12-hour day, I feel like we missed something,” he says. “It’s just what has to be done.”

Pouring Over Your Business

A woman pours hot water over roasted coffee to taste test.
Rodriquez prepares cups of coffee to taste test at the company’s cannery. Tina Russell/The Penny Hoarder

Taking on the ambitious task of starting a ready-to-drink beverage company didn’t just have challenges on the business side — it took a personal toll on Rideout and Prater as well.

Both were still working full-time jobs when they started the company in 2015, and neither of them switched to Made Coffee full-time until 2017 — Rideout in April and Prater in August.

“From September 2016 to April 2017, all of my photos that I have of the build-out are at night at like 2 or 3 in the morning.” says Rideout. “I was working during the day and then coming over here and basically working… until I just couldn’t anymore.”

Both have only been paying themselves enough to cover their bills. All extra money has gone right back into the company. They’re both in favor of putting money toward equipment that will help them grow.

“I’d never been in debt,” says Rideout. “For the first time in my life, in 34 years, I have debt.”

Prater feels that in order to start your own business, you kind of have to take apart your life. And not just that, you have to be OK with taking apart your life. The long hours and devotion required to get it off the ground demand it.

Rideout agrees. “If you’re not willing to literally work as many hours as you have to and not sleep and be stressed on finances and wonder how you’re going to pay rent… don’t open your own business,” he says.

Brewing Up Growth

Bags of whole bean roasted coffee sit on the shelves at Made Coffee Cannery.
Made Coffee sells bags of whole bean roasted coffee at Publix. Tina Russell/ The Penny Hoarder

The long hours Rideout and Prater have put in over the years are paying off — Made Coffee recently achieved a huge milestone.

Previously, their canned cold brew could be found in 256 Publix stores. But as of Oct. 1, every Publix throughout the state of Florida features Made Coffee products. That’s a whopping 831 stores.

Additionally, Made has rolled out two new products in the past few months: bags of Made Coffee whole bean coffee and “Con Leche” cold brew, for the caffeine lovers who can’t tolerate the black stuff without a little cream and sugar.

To cope with the growth, they’ve signed a lease for a new 12,000-square-foot facility that will serve as a distribution hub and will be ready to roll in January of 2019. They’ve also brought on new equipment and staff, with plans to hire more throughout the year.

Prater says they plan on hiring about six remote employees who will manage designated areas throughout the state.

Overall, this next step for Made Coffee will cost an estimated $ 2 million — a far cry from the $ 8,000 in startup costs.

When Prater looks back to the beginning, she feels like she didn’t have any idea how to imagine the level of success they’re at now. But Rideout disagrees; he thinks everything is happening exactly as planned.

“I know that sounds crazy,” he says. “But I always say that if you’re surprised at what’s happening, you didn’t have confidence it could have happened.”

And no matter how big Made Coffee gets, both Prater and Rideout recognize the importance of remembering where they came from: Serving homemade cold brew from behind a bar to locals who believed in their dream.

Kaitlyn Blount is a staff writer at The Penny Hoarder. She only had one, two, six, fourteen coffees when she wrote this. OK, nineteen. But that’s it.

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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These 14 Ideas Are the Next Best Thing to a Mudroom

Not every home has—or needs—a full mudroom, but everyone needs a place to handle the comings and goings of today’s busy families and all their gear. If you’re wondering how to create the convenience of a mudroom without having a dedicated room for the purpose, you’re in luck. These 14 photos offer great ideas for mudroom alternatives that suit a range of budgets and space limitations.
Bob Vila : Trusted Home Renovation & Repair Expert

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You Don’t Have To Be Scared of Halloween Costs With These Free Kids’ Events

Halloween doesn’t have to be a one-day celebration.

Let’s make the most of those kids’ costumes, shall we?

Several retail chains across the nation are hosting children’s events for the spookiest holiday of the year. They’re free entertainment for the little ones, which makes it a win-win for parents and kiddos alike.

1. Disney Store

Saturdays in October just got a lot more magical. The Disney Store will host its Haunted Halloween Party for kids 3 to 12. Partygoers will go home with free light-up Mickey Mouse pumpkin wristbands.

When: Oct. 20 and 27 at 1 p.m., 2 p.m. and 3 p.m.

Be sure to: Register in advance. Party attendance is limited to the first 20 children who RVSP for each time slot. Contact your local store to reserve your spot. Outlet locations won’t be hosting the Halloween events.

2. Bass Pro Shops

This outdoor recreation retailer will host eight days of free Halloween fun starting Oct. 20. Kids can create crafts, play games, walk in costume parades, take photos with the Peanuts gang and go trick-or-treating.

When: Oct. 20 and 21 from noon to 5 p.m., Oct. 26 from 5 to 7 p.m., Oct. 27 and 28 from noon to 5 p.m., Oct. 29 and 30 from 5 to 7 p.m. and Oct. 31 from 4 to 8 p.m.

Be sure to: Read this post for details on the schedule of events.

3. Michaels

The arts and craft chain will host several Halloween-themed classes this month, but the real treats are the free events. Children have the chance to create gooey slime creations on Oct. 21 and 27. Also on Oct. 27, little crafters can make three holiday-themed art projects — plus get their faces painted.

When: Ultimate Slime Party Oct. 21 from 2 to 4 p.m., Monster Bash Oct. 27 from 10 a.m. to noon and Monster Slime Party Oct. 27 from 1 to 3 p.m.

Be sure to: Register in advance online or by contacting your local Michaels.

4. Target

Target — a favorite retailer of moms everywhere — will host a  “PAW Patrol”-themed Halloween event for kids to party with their favorite pups from Adventure Bay. Enjoy the festivities and stay for a screening of a special episode of the PAW Patrol TV show.

When: Oct. 27 from 10 a.m. to 1 p.m.

Be sure to: Bring your kid in costume for trick-or-treating. There will be other giveaways as long as supplies last.

5. Simon Malls and Premium Outlets

Trick-or-treating at a mall is like the G-rated, child-centric version of barhopping for adults — except with there is candy instead of beer and everything is free.

Simon Property Group owns over 200 malls and outlet shopping centers in 37 states and Puerto Rico. Several locations will host Halloween activities for kids this year.

Tyrone Square Mall, my local mall in St. Petersburg, Florida, will host crafts and treat-or-treating on Oct. 31 from 5 to 8 p.m. Some locations will celebrate prior to Halloween. For example, Norfolk Premium Outlets in Norfolk, Virginia, will host trick-or-treating on Oct. 27 from 4 to 7 p.m.

When: Dates and times vary by location.

Be sure to: Contact your nearest Simon property for details.

Bonus: PetSmart

Parents of four-legged fur babies can visit PetSmart Oct. 20 and 21 for the store’s “Who’s Your Boo?” costume parade and Halloween event.

The stores will give out free pet treats and coupons to help you save money during your visit. The first seven guests who arrive at the each location’s event will get a free pet collar safety light.

When: Oct 20 and 21 from noon to 3 p.m.

Be sure to: Dress up your pet for the chance to win a prize.

Nicole Dow is a senior writer at The Penny Hoarder. She loves discovering free kids’ events. Her daughter has gone trick-or-treating at Bass Pro Shops and Tyrone Square Mall.

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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Watch These Superfans Fight It Out in an Epic Star Wars Trivia Battle

Star Wars fans recently turned out in droves at NYCC to play a game of FANDOM Feud, presented by the all-new 2019 Toyota Corolla Hatchback. They came prepared to test their knowledge of the galaxy far, far away against other expert superfans in this ultimate trivia competition. Who comes out on top? Watch and find out!

The post Watch These Superfans Fight It Out in an Epic Star Wars Trivia Battle appeared first on FANDOM.

FANDOM

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Take a Break From Apple Picking and Shop These 89 Online Sales

It’s Friday, which means your weekend starts this evening and you have a little over 48 hours to do whatever your heart desires. For many of you, as evidenced by our collective Instagram feeds, that means visiting a pumpkin patch or going apple picking with a crew of sweater- and scarf-clad …

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Fashionista

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Credit Card Debt? These 4 Sites Could Help You Pay It Down Faster

So, you have thousands of dollars in credit card debt, and the burden of paying off all that — and interest — is gobbling up your income.

Instead of financially treading water making minimum payments and paying maximum interest, make the smart move, and take out a debt consolidation loan. It’s a personal loan, usually at a lower interest rate that you can use to pay off your high-interest credit cards.

In the long term, you can save a ton of money, but first you have to shop around for a loan.

Sound difficult? It doesn’t have to be. Instead of spending hours scouring the internet, you can go window-shopping at an online marketplace that’ll help pinpoint the best loan for you.

We recommend you try more than one site and see what kind of results you get. Heck, try them all if you want. It won’t take long, and you have nothing to lose: Seeing your options won’t cost you anything, and it won’t hurt your credit score.

4 Marketplaces for a Credit Card Debt Consolidation Loan

To start, you’ll need to know your credit score, but that’s super easy. Just sign up for Credit Sesame, a free credit-monitoring service that helps you keep track of your credit. It’ll immediately show you your credit score, and it’ll offer you personalized tips to better manage your credit.

Here are four different options for places to find a loan online. At the end of this article, you’ll find a chart comparing them at a glance.

Credible

Credible is a one-stop shopping place where you can compare rates side-by-side from multiple lenders who are competing against each other for your business.

It allows you to compare quotes from seven different lenders: Avant, Best Egg, Freedomplus, Lending Club, Payoff, Prosper and Upstart.

Through Credible, you can borrow $ 1,000 to $ 50,000 with a loan term of two to five years, at interest rates ranging from 4.99% to 35.99%. The interest rates you’re offered will depend on your individual credit profile.

Credible is best for borrowers who have good credit scores and just want to consolidate their debt. It requires you to have a credit score of at least 680.

Even Financial

Compared to Credible, Even Financial allows you to borrow more money and borrow it for a longer period of time — if that’s what you want to do.

You can borrow up to $ 100,000 and spend up to seven years paying it back. That’s more money and time than you can get from any of these other three lending marketplaces.

Even’s lending partners include Avant, Best Egg, Freedomplus, Lending Club, LendingPoint, LightStream, Payoff, Prosper, SoFi and Upgrade.

You’ll need a credit score of at least 580. Interest rates range from 4.99% to 35.99%.

Lendvious

Lendvious is the newest of these four online loan websites.

Depending on your credit score and how much you want to borrow, you’ll immediately get offers from up to 10 lenders. You can borrow up to $ 50,000 with no collateral required.

Different lenders are looking for minimum credit scores ranging from 560 to 650. The company’s lending partners include Avant, Best Egg, Freedomplus, LendingPoint, Lending Club, Marcus, OneMain Financial, Prosper and Upgrade.

Interest rates range from 4.99% to 35.99%.

If your credit isn’t great, Lendvious might be your best option.

Upstart

Unlike those others, Upstart is a lending platform that manages the process from pre-approval through servicing your loan.

Founded by ex-Googlers, Upstart is a lending platform that’s striving to change the personal loan game. Rather than solely focusing on your credit score to determine your borrowing power, it looks at other factors, too, including your education and employment history.

Upstart tends to be especially helpful for recent grads, who have a short credit history and a mound of debt.

Many lenders judge consumers based only on their credit history. But Upstart believes this leaves out an entire segment of the population — even though they’re totally qualified.

When it comes to the length of the loan, Upstart offers three options: three, five or seven years. The company says its average three-year loan has a 16% interest rate*, with 36 monthly payments of $ 35 per $ 1,000 borrowed.

Comparing Your Options One More Time

Seeing your quotes from each of these platforms takes 5 minutes, tops, so you can easily try out more than one. Each conducts a soft inquiry on your credit, meaning it won’t affect your credit score at all.

Once you actually apply for a loan, the lender will perform a hard inquiry on your credit, which will ding your credit temporarily.

Here’s the chart we promised you:

  Credible Even Financial Lendvious Upstart
Interest rate 4.99% to 35.99% 4.99% to 35.99% 4.99% to 35.99% 8.92% to 29.99%
Term Two to five years Two to seven years One to five years Three or five years
Loan amount $ 1,000 to $ 50,000 $ 1,000 to $ 100,000 $ 1,000 to $ 50,000 $ 1,000 to $ 50, 000
Minimum credit score 680 580 560 620

*The average three-year loan offered across all lenders using the Upstart Platform will have an APR of 20% and 36 monthly payments of $ 35 per $ 1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on three-year rates offered in the last one month. Your APR will be determined based on your credit, income and certain other information provided in your loan application. Not all applicants will be approved.

All loans are made by Cross River Bank, an FDIC insured New Jersey state chartered commercial bank, equal housing lender.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He knows a lot about credit card debt from personal experience.

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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These Gorgeous Eyeshadow Palettes Are Your New Fall Must-Haves

Ah, fall: The season of knee-high boots, cozy cardigans and pumpkin spice lattes is upon us. And you know what it’s brought with it? A whole host of seriously gorgeous eyeshadow palettes. There are perfectly curated quads from Shiseido, “sultry” offerings from Anastasia Beverly Hills, fun new Maybelline palettes that may or may not have appeared on the Met Gala red carpet — the list goes on.

Seriously, there’s an embarrassment of riches right now on the eyeshadow palette scene, so if you’re in the market for something new, keep on reading. We’ve rounded up 15 of our very top picks.

[ Next: 17 New Eyeshadow Looks You Haven’t Tried Yet ]

 

This article originally appeared on TotalBeauty.com

The post These Gorgeous Eyeshadow Palettes Are Your New Fall Must-Haves appeared first on theFashionSpot.

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‘You Ain’t Got These:’ Lena Waithe To Produce New Series on Sneaker Culture

The sneaker industry has grown rapidly. The global athletic footwear market is projected to reach a whopping $ 95 billion by 2025, according to a 2018 report by Grand View Research Inc. The underground resale market is also very profitable and is currently valued at over $ 1 billion, according to Business Insider. Oftentimes, limited releases from sneaker conglomerates like Nike or Adidas and endorsements from popular rappers will increase the value of sneakers by double or even triple their resale amount. Meanwhile, sneaker reselling apps like StockX and the Goat allow sneakerheads to resell their sneakers to make extra cash.

Lena Waithe, a producer, actress, and screenwriter best known for co-writing the Netflix series Master of None and creating the Showtime series The Chi, will take a deep dive into the sneaker business and culture in a new unscripted series titled You Ain’t Got These. Waithe, a professed sneakerhead who owns over 100 pairs herself, aims to explore how sneaker culture influences class, gender, race, and politics, reports Vogue. Waithe will also highlight the addictive personalities of the people who do everything from entering raffles, using sneaker bots, to camping outside of stores for hours just to get their hands on a signature pair of sneakers.


Regarding the new project, executive producer Andrew Fried told The Hollywood Reporter that he is thrilled to be collaborating with Waithe. “She is a singular creative voice of her generation, and her passion for this subject is infectious,” he said.

There is no official release date for this upcoming series but if any of Waithe’s past projects are telling, fans can be assured that she will give a raw and introspective look into this industry. She will also provide a refreshing voice to women sneakerheads, an overlooked sub-culture that has been around for years.

The post ‘You Ain’t Got These:’ Lena Waithe To Produce New Series on Sneaker Culture appeared first on Black Enterprise.

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Shop these 16 fall boots for your next trip to the pumpkin patch

Shop these 16 fall boots for your next trip to the pumpkin patch


Shop these 16 fall boots for your next trip to the pumpkin patch

What’s the best part of fall, you ask? Is it the crisp, cool air? The pumpkin spice everything? The apple picking in quaint, small towns? No. The best part of fall is the fashion. It’s bundling up in your favorite leather jacket and cozy knit sweater. It’s transitioning from your trusty slides to your trusty boots. Tall boots! Ankle boots! Thigh high boots! Printed boots! We just love boots. We would definitely write a love song dedicated to boots. It would be to the tune of Ryan Adams’ haunting cover of “Wonderwall.”

Whether you’ll be exploring your local pumpkin patch or composing cheesy songs for your shoes, shop these 16 fall boots that will be your autumn staple this year.

1. Urban Outfitters Margot Patent Boots, $ 79

Urban Outfitters

Add statement white boots to your corduroy uniform this fall.

2. ShoeDazzle Lacee Bootie, $ 59.95

ShoeDazzle

Don this velvet maroon number while apple picking.

3. Tony Bianco Nikki Black Luxe Boots, $ 81.30

Tony Bianco

Pair these classic black boots with your favorite leather jacket.

4. New Look Festival Rose Embroidered Ankle Boots, $ 38

ASOS

Channel Coachella in the autumn with these floral booties.

5. Forever 21 Faux Suede Thigh Highs, $ 39.90

Forever 21

Enjoy a hayride in these suede thigh highs.

6. Kelsi Dagger Brooklyn Kadeja Boots, $ 138

Anthropologie

Get lost in a corn maze in this cognac Anthropologie pair.

7. JustFab Vyona in Black, $ 49

JustFab

Jump into a pile of leaves with this classic black staple.

8. Zara Heeled Split Leather Boots, $ 99.90

Zara

Watch the leaves change in these below-the-knee boots.

9. Naturalizer Rebecca Bootie, $ 69.99

DSW

Enjoy some warm cider in this romantic suede number.

10. Tony Bianco Faya Oyster Patent, $ 81.30

Tony Bianco

Avoid rain puddles in these white patent booties.

11. H&M Ankle Boots, $ 34.99

H&M

Indulge in a pumpkin spice latte in these commanding booties.

12. Zara Tall Leather Boots, $ 149

Zara

Shop for Halloween costumes in these chic leather boots.

13. JustFab Valerie Block Heel Buckle Bootie, $ 59.95

JustFab

Explore a pumpkin patch in these maroon buckle booties.

14. ASOS Leopard-Print Boots, $ 178

ASOS

Channel your inner Fran Drescher with these leopard-print babies.

15. Bernardo Izzy White Bootie, $ 298

Bernardo

Pair these swoon-worthy white boots with your best fuzzy cardigan.

16. Urban Outfitters Margot Suede Boot, $ 59

Urban Outfitters

Wear these suede babies while you purchase all things pumpkin spice at Trader Joe’s.

The post Shop these 16 fall boots for your next trip to the pumpkin patch appeared first on HelloGiggles.

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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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These Harry Potter baubles are here to make your Christmas complete

Accio baubles

harry potter stamps
Gamma-Rapho via Getty Images

Words by Jadie Troy-Pryde

This month, Harry Potter fever is at an all time high. Not only are we blessed enough to get Harry Potter stamps (they truly are a thing of beauty), but we also get to create our own cocktails with actual magic at this Harry Potter bar (and you get your own interactive wand).

And as if that wasn’t enough, Primark has announced that their Harry Potter baubles are back so that Christmas 2018 really will be that bit more magical.

When you see how cute they are, you’ll completely forget that you never received your Hogwarts acceptance letter.

(Sorry for the reminder.)

This year, we’re being treated to some of the fan faves from 2017 as well as a whole new range of Christmas tree decorations, and we dare you to try not to buy them.

Fancy some of the characters in mini bauble form? You can choose from Harry Potter himself, Ron, Hermione, Hagrid, Hedwig… and if you can’t choose, fear not. They come in packs of two, and will set you back a mere five pounds.

harry potter baubles

Primark

If the characters don’t quite tie in with your very sophisticated Christmas decor theme, then maybe you’ll be tempted by the classy snitch and broomstick baubles.

harry potter baubles

And if you want something more traditional, there are lots of options – from a Deathly Hallows themed bauble, to a glittery platform 9 and 3/4 number, you’ll be spoilt for choice.

Plus, there are house baubles.

harry potter baubles

Primark

Oh, and did we mention that you can also get HP socks as part of a magical duo pack?

With everything in the range costing five pounds or less, we advise that you start stocking up immediately.

Who doesn’t want a Christmas tree dripping in all things Harry Potter?

Apparate to Primark, please.

The post These Harry Potter baubles are here to make your Christmas complete appeared first on Marie Claire.

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Help These Adorable Hurricane Florence Puppies Find Their New Homes

Could one of these pups be your new furever friend? Meet Janet, Jack and Chrissy, three adorable and playful puppies rescued from Hurricane Florence. All three of the four-legged friends are 13-week-old hound mixes rescued from the Carolinas by the North Shore Animal League America.

hurricane florence puppies
A dog stands in floodwaters from the Waccamaw River caused by Hurricane Florence Sean Rayford/Getty Images

These canines weathered the storm and have been given a second chance at love, so watch the video above and consider opening your heart — and home — to one of these little bundles of joy. (However, don’t fall too hard for Chrissy as she’s already found her dog mom thanks to Us Weekly editor Kelly Marages!)

hurricane florence puppies
Dog rescued after Hurricane Florence Joe Raedle/Getty Images

To find out how you can get involved, adopt a new best friend, or to support hurricane relief efforts, visit animalleague.org for more information.

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These young cardiologists are opening tech-infused health clinics all over New York

Heartbeat, a medical start-up, is opening up new clinics across Manhattan 
Health and Science

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Check Out These Hidden Gems at Your Local Library That Don’t Cost Anything

It probably comes as no surprise that, as a writer, I love the library.

I adore being surrounded by books, magazines and newspapers. But the library is so much more than that, so we’d like to share some of the unique benefits you can get from your local library.

The best part about all this is they don’t cost a thing — and you can save hundreds of dollars.

Take Full Advantage of Your Library Card

Did you know some libraries lend cake pans? Others lend microscopes and musical instruments.

This post on nine unusual things you can borrow from public libraries will have you asking your librarian for a lot more than just book recommendations.

There’s an App for That

Sometimes you don’t even have to set foot in your library to gain access to books, magazines, movies and other media.

Your library may partner with apps like Hoopla, which offers digital access to music and TV shows in addition to your favorite ebooks and audiobooks.

Check out this post for other apps that might be available for library card holders.

Revamp Your Career at Your Local Library

Looking for a new job can be stressful, but the quiet environment of a library might be the perfect place to get a little focus.

While you’re there, make sure to take advantage of other resources, like free career workshops or access to adult learning programs.

See this post for more ways your library can help your career.

Nicole Dow is a staff writer at The Penny Hoarder.

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

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


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These Countries Pose the Biggest Threat to U.S. National Security, Says Kissinger Associates CEO

Since the Cold War ended, U.S. national security has focused on issues like terrorism and climate change rather than conflict with other countries, says Jami Miscik, CEO of geopolitical consulting firm Kissinger Associates.

But she said that trend is now reversing, with Russia and China returning to the lead the list of national security risks. Of course, Russia is alleged to have interfered in the 2016 U.S. presidential campaign while China and the U.S. are engaged in a trade war that is expected to intensify.

Miscik, speaking at Fortune’s Most Powerful Women Summit on Wednesday in Laguna Niguel, Calif., also named Brazil as a potential hot spot because of its upcoming elections that could put a more extreme far-right government in power. Meanwhile, in Iran, more extreme leaders may be coming into power because the economic prosperity promised by moderate politicians after the U.S.-Iran Nuclear Deal failed to materialize.

“I don’t think [Western] companies ran in there the way moderates in Iran hoped they would,” Miscik said. “Domestically, the moderates have declined in popularity.”

When it comes to China, she expects that President Donald Trump’s trade war will worsen relations. The longtime safeguard against conflict between the U.S. and China–their financial interdependence–is no longer enough.

“I think the tensions are here. I think they’re likely to grow,” she said before adding: “What we really are interdependent on is trade. If we take that off the table, with sanctions or tariffs, we start to remove the one thing that links us together.”

When asked to assess President Trump on foreign relations, Miscik praised his decision to pull the U.S. out of the Trans-Pacific Partnership and his renegotiation of NAFTA. But in general, she criticized his approach toward America’s allies.

“I do not give him a high grade on making our allies feel comfortable that we will be there for them,” Miscik said.

Miscik said that financial prowess is what allows the U.S. to wield global power. Most transactions come through the American economy at some point, which gives the U.S. government jurisdiction to enforce measures like sanctions on other countries.

“We have economic exceptionalism in our control of the national financial system,” she said, but countries are beginning to explore alternative payment methods in order to avoid the U.S. entirely, which could dilute America’s international influence.

Despite the increased risks from individual nations, functional issues remain a significant threat, from terrorism and rising nationalism to nuclear proliferation, populism, and authoritarianism.

“Climate change has officially become a national security issue,” Miscik said, based on the huge number of Americans living in coastal areas that are in danger of flooding if water levels rise.

She also warned about cybersecurity threats and the new types of attacks that U.S. organizations may need to be prepared to face.

“The one I’m worried about now, especially for businesses, is an attack that manipulates the data,” she said–a tactic that could be used to undermine confidence in American institutions and financial systems.

Fortune

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Score Popeyes 24 Karat Champagne Wings for one day only at these lucky locations

These wings are worth toasting.

Popeyes is serving up 24 Karat Champagne Wings for one day only Thursday at just four lucky locations across the country.

Even better, they’re practically a steal as part of the fried chicken chain’s Boneless Wing Bash, a $ 5 meal boasting six boneless wings, a choice…

Life Style – New York Daily News

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You Don’t Need a Green Thumb to Easily Grow These 5 Herbs at Home

If you’re anything like me, you love the smell and taste of fresh herbs but seem to kill every plant with the misfortune of living at your house. That’s why I tend to rely on dried herbs and freshly picked herbs when cooking for my family.

But dried herbs just aren’t the same as fresh, and I usually can’t get through an entire pack of freshly cut herbs so end up throwing them away. Since I hate waste and love food, I decided to look at the best way to grow herbs, and which herbs are the easiest to grow.

Plant Care 101

Before you start planting, you need to consider where you’re growing your herbs. The best way to keep them contained is to grow each herb in an individual pot. Growing them this way also allows you to put them outside for some sunlight on a nice day and bring them inside overnight or when it’s cold.

I spoke with Amy Enfield, consumer horticulturist with Scotts Miracle-Gro, to get some tips on growing herbs indoors.

Use the Right Pot

Some pots have solid bottoms, but for growing herbs you need to look for pots with drainage holes in the bottom to allow excess water to escape, Enfield says.

Location, Location, Location

Kaitlyn Blount poses with her herb seedlings at her home in Tampa, Fla.
Kaitlyn Blount is growing herb seedlings at her home in Tampa, Fla. She is trying to grow thyme, parsley, chives and dill. Sharon Steinmann/The Penny Hoarder

If you put your herbs in the darkest corner of the kitchen and leave them to their own devices, they won’t do very well. “Indoor herb plants will require light, water, food and frequent trimming,” she says.

Instead, choose a window that faces south or southwest and gets at least six hours of sunlight. Create a reminder on your phone to check on them often to see if they need anything.

Don’t Overwater

Too little water can be fatal for a plant, but so can too much water .

“When the soil on the top looks dry, simply stick your finger an inch into the soil. If the soil is moist you can wait; if the soil is dry, it is time to water,” recommends Enfield.

Check the soil more often when the weather is hot and dry. This is one area where I fail at growing plants, so I recommend putting the herbs in a location where you’ll easily see them and be reminded to check them. Alternatively, you can write a note or create a reminder on your phone or computer.

Trim and Feed

“Frequent, light trimming of herbs every two to three weeks, regardless of whether you are using them for cooking, will keep your plants compact and growing new leaves,” says Enfield. She recommends never removing more than one-third of the plant at once, and waiting until your herbs measure six inches tall before harvesting them.

“Frequent trimming also keeps your herbs from flowering,” Enfield says. This means more leaves to use in recipes.

Herbs to Grow at Home

Certain types of herbs are easier to grow than others. Here are five simple herbs you can grow at home.

Basil

A woman harvests basil from a plant.
Sharon Steinmann/The Penny Hoarder

Stan Miklis, farmer and degreed horticulturist with 40 years experience growing herbs, works at Caliper Farm to Table. One of his top recommendations for anyone to grow at home is basil.

“[Basil] is absolutely the best for the Italian kitchen and outdoor aroma,” he explains. “[It’s] easy to grow because any loose seedlings will reproduce new plants.”

Basil is typically used in pasta sauces and pizza, but can also be cut up in a salad for an extra pop of flavor, or infused in water with cucumber or strawberry for a refreshing summer drink.

Miklis also recommends Thai basil, which is a fragrant and tasty addition to your garden or kitchen.

“[Thai basil] makes a soothing tea called tulsi,” he says. All you need to grow this herb is soil and water. Additionally, Miklis explains that “a piece of stem placed in a jar of water will sprout new roots,” making it easy to grow new plants to share with friends and family.

Cuban Oregano

Tatyana Rodriguez, botanist and writer for Florence’s Flowers, recommends Cuban oregano as one of the easiest-to-grow herbs.

“Cuban oregano is a very hardy plant [that] likes warmer climates,” she explains. “It doesn’t require that much water [and] prefers full sun, but can also grow in the shade.”

This is one plant that is impossible to overwater. “They tend to grow faster if you keep the soil drenched [and] eventually will look like a bush,” says Rodriguez. You can also easily take a clipping of your Cuban oregano and use it to start a new plant.

Rodriguez mentions numerous health benefits of Cuban oregano, such as treating skin conditions, detoxifying the body, defending against the common cold, easing arthritis pain, stress relief and optimizing digestion.

Citronella

Another easy-to-grow herb recommended by Miklis is citronella. If you live anywhere that mosquitoes thrive, you’ve probably heard of this plant. It’s a main ingredient in mosquito-repellent candles and other remedies.

“[Citronella] grows outside when temperatures are favorable for mosquitoes,” explains Miklis. “[It’s] essential for outdoor living [and] easy to grow in low light.”

Mint

A woman harvests mint from a plant.
Sharon Steinmann/The Penny Hoarder

Any gum-chewer knows that there are multiple types of mint, the most popular ones being spearmint and peppermint. Mint is also used in various recipes and is delicious infused in water with lemon (or in a mojito after a long day).

When it comes to growing mint at home, even the most challenged gardener shouldn’t have problems getting it to thrive.

“All [mint varieties] grow so vigorously that they may become problematic,” explains Miklis. “I suggest growing [each one] separately in an elevated container.”

Lemongrass

Sign with text Lemongrass in front of planted lemongrass plants
Tuomas_Lehtinen/Getty Images

One of my favorite flavors is lemongrass, especially in Thai dishes. According to Miklis, lemongrass is also a wonderful herb to grow at home.

“[Lemongrass] is a lovely, swaying, tall grass that also releases the essential oil that repels mosquitoes,” he says. “[It’s] easy to grow in a wide variety [of] soils with a lot of water and bright light.”

Growing your own herbs is much cheaper than buying them from the store and you’ll notice a difference in the flavor of fresh herbs over dried or cut ones. Start with these five suggestions and branch out to other herbs as your green thumb develops.

Catherine Hiles loves cooking and eating, so having fresh herbs at home is ideal. Of the herbs mentioned, her favorite is mint, which she loves mixed with lemon and infused in cold water.

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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