These 5 People Added up to 284 Points to Their Credit Scores by Making the Same Move

Everyone who’s saddled with bad credit has a unique story.

A man burdened with $ 6,000 in unpaid bills. A couple recovering from job loss and foreclosure. A woman who fell behind on payments while living abroad. A single mom with a terminally ill child. A young woman with so much debt she couldn’t even get a credit card.

One of the toughest parts about paying down debt and fixing your credit score is knowing where to begin.

To create a rebuilding plan, first you have to know what you’re dealing with.

Your credit report will give you this information. You can get a free copy of it once every 12 months from each of the three major credit reporting bureaus — but they can be tough to decipher.

If you want to keep a closer eye on your credit, get your credit score and “credit report card” for free from Credit Sesame. This website breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and what you should do about it.

Folks who’ve used it tell us it’s a lifesaver.

5 People Who Raised Their Credit Scores Using Credit Sesame

We spoke with five different people who’ve had profound problems with their credit. All five turned things around with Credit Sesame.

James Cooper: +277 Points

James Cooper knows all about having bad credit. As recently as 2017, his credit score was a lousy 524.

“I never had a credit card,” he says. “I had $ 6,000 worth of unpaid bills.”

He vowed to sort out his financial situation and fix his credit.

Although there are legitimate credit repair services, there are also shady ones that demand money upfront and promise way more than they can deliver. Then they’ll milk you for money until you wise up.

Cooper and a friend went through this ordeal with three companies. Then they found Credit Sesame, and the free credit monitoring service taught them how to fix their credit.

Cooper raised his score by 277 points — from 524 to 801 — over the six months from June to November 2017.

Inspired by his experience, now Cooper teaches high school students the importance of good credit.

Jerry Morgan: +120 Points

In 2008, the housing bubble burst. The three-bedroom home in New Port Richey, Florida, where Jerry Morgan and his wife, Vivienne, had lived for 10 years plunged into the foreclosure process.

Then Vivienne lost her job.

By 2017, the family’s financial situation started to look up again. So in September, Morgan decided to address his credit score.

“Frankly, with the experiences we have gone through, I was embarrassed to even check my score,” he said.

Before coming across Credit Sesame, Morgan hadn’t bothered to check his credit score in, well, quite a while. He says finally getting his finances on stable ground encouraged him to take a peek at this three-digit number.

Following recommendations from the service, he’s raised his score 120 points in six months.

Elisabeth Nyang: +168 Points

At the end of 2016, Elisabeth Nyang was in debt to the tune of $ 17,500 — a mix of credit card debt, overdue bills and lingering student loans. She found herself there after two years of living in China.

In China, where it’s difficult to send money to the U.S., Nyang fell behind on her payments. In hindsight, she admits, the difficulty in transferring money was just an excuse — out of sight, out of mind.

But when she decided to move back to the States, she knew she needed to get her finances back on track.

“I can’t live like that,” she remembers thinking.

Since signing up for Credit Sesame in January 2017, Nyang has paid off that $ 17,500 pile of debt and raised her score from 495 to 663. That’s a 168-point jump.

Melinda Smieja: + 284 Points

In 2005, Melinda Smieja’s 13-year-old daughter was diagnosed with a terminal brain tumor.

“So here I am a single mom, and my daughter gets sick,” she explains. “And I’m like, ‘What am I gonna do?’”

Between continuing to care for her younger daughter and moving from Seabeck, Washington, to Seattle to be near her 13-year-old’s medical care, she racked up credit card debt.

“I used [a credit card] for dinners, I used it for food,” she says. “For a place to stay. It got to the point where all of my credit cards were maxed out.”

Her credit score was down to 480 by the time she checked. And she’d racked up somewhere between $ 20,000 and $ 30,000 in debt on 11 credit cards.

In 2010, an email campaign led her to Credit Sesame, a new company (at the time) offering an easier way to monitor your credit history.

“It was something that I had been searching for [without realizing it],” Smieja explains.

It made her overwhelming situation manageable.

“I could look and I could say, ‘Okay, this is what’s all going on here. This is my debt. This is what’s happening. This is what’s making my credit [interest] high.’”

And she could finally tackle her debts, one at a time. The work wasn’t quick. It was slow and steady — but it paid off.

In 2016, for the first time, Smieja’s credit score hit 680, crossing the line of what lenders consider “good credit.” By late 2017, it was up to 764.

Dana Sitar: +68 Points

At 30, Dana Sitar’s history with credit cards, student loans and medical bills was pretty bad.

Student loan interest was piling up. Hospital bills were out to collection agencies. No one would give her a credit card. She landed a loan for a new car by the skin of her teeth. Her security deposits for car rentals and apartments were through the roof.

She wanted to fix it, but didn’t even know where to start.

Sitar, an editor for The Penny Hoarder, found Credit Sesame in 2016, and today, she’s breathing a little easier.

Credit Sesame, Sitar writes for The Penny Hoarder, is “answering all the questions swirling in my head, keeping me awake at night and threatening a panic attack every time I authorize a credit check.”

Since she started tracking her credit score with the app, she’s watched it rise — slowly but surely — by 68 points.

“Motivated by the easy access to my free credit report card through the app,” she says, “I haven’t been able to ignore my credit like I used to.”

Keep an Eye on Your Credit Score

Your credit score is important.

And why is that?

The better your score, the better deal you’ll get on a mortgage, car loan or credit card. We’re talking big money here.

To keep a closer eye on your credit, get your credit score and a credit report card for free from Credit Sesame.

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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Did You Flush Charmin Wipes or Use Dial Soap? These Class-Action Settlements are For You

Even though it may take years before a settlement is reached in a class-action lawsuit, the time frame to claim your share can fly by.

But if you purchased a Lenovo laptop that’s slow because of tracking software, a blouse at a Ross Dress for Less that had a misleading price-comparison label or Dial foaming liquid hand soap that promised to rid you of 99.9% of germs, you could be eligible for anywhere from a few cents to several hundred dollars.

Check out this month’s choice selection of class-action settlements that have deadlines approaching to see which ones align with purchases you’ve made.

Ross Stores “Compare at” Pricing

Did you purchase items at a Ross Dress for Less believing you were saving more money than you actually did?

Ross has agreed to a $ 4.85 million class-action settlement to resolve allegations that the store used deceptive pricing methods to convince customers they were getting a great deal.

Class members are customers who bought one or more items with a Ross price tag indicating a “compare at” price from any Ross store since June 20, 2011, and have not received a refund or credit for these purchases.

Plaintiffs allege the “compare at” price tags are not a true price comparison but are instead simply a reference price. They claim that this is not properly conveyed to the shopper.

Ross admits no wrongdoing by settling the lawsuit, but with the settlement, both parties avoid the risks and costs associated with continued litigation.

Class members may receive store credit in the form of a merchandise certificate or cash equal to 75% of the value of the merchandise certificate. No proof of purchase is required.

Click here now to file a claim, because this offer goes out of fashion (no more claims will be accepted after) May 31, 2019.

Lenovo Laptops Adware

If you bought a Lenovo laptop between Sept. 1, 2014, and Feb. 28, 2015, you could be eligible for a portion of an $ 8.3 million class-action settlement.

Plaintiffs allege several models of the non-Think-branded Lenovo laptops experienced inhibited performance capabilities because the company added a tracking software called VisualDiscovery by Superfish.

The software allegedly allowed Lenovo to monitor user activity to tailor advertisements to users.

Owners of the laptops also claim the monitoring of their online habits was an invasion of privacy.

Under the settlement, eligible class members include consumers who purchased certain non-Think-branded Lenovo laptops between Sept. 1, 2014, and Feb. 28, 2015. Models included in the settlement are:

  • G Series: G410, G510, G710, G40-70, G50-70, G40-30, G50-30 and G50-45.
  • U Series: U430P, U430Touch and U530Touch.
  • Y Series: Y40-70 and Y50-70.
  • Z Series: Z50-75, Z40-70 and Z50-70.
  • Flex Series: Flex2 14D, Flex2 15D, Flex2 14, Flex2 15, Flex2 15(BTM) and Flex 10.
  • MIIX Series: MIIX2-10 and MIIX2-11.
  • YOGA Series: YOGA2Pro-13, YOGA2-13, YOGA2-11BTM and YOGA2-11HSW.

A bar-code sticker should be located on the bottom of the laptop to indicate the machine’s model.

Class members may receive anywhere from $ 40 to $ 750 if they can provide proof of loss, such as receipts for expenses related to technical assistance or credit monitoring, with their claim form.

For more details on how to file a claim by the March 25, 2019, deadline, click here — even if you’re on your Lenovo laptop and the company might know you click.

Flagship Credit Acceptance Robocalls

Auto loan company Flagship Credit Acceptance LLC has agreed to a $ 4 million class-action settlement over alleged violations of the Telephone Consumer Protection Act (TCPA).

Class members include anyone who received a call from Flagship through a TCN, LiveVox or Aspect dialing system or artificial/prerecorded voice between May 5, 2013, and Sept. 18, 2018.

The TCPA prohibits telemarketing practices that make use of robocalls through autodialers or prerecorded messages.

Flagship admits no wrongdoing but has settled the lawsuit to avoid the costs of future litigation and the uncertainty of a trial verdict.

The TCPA allows eligible consumers to collect between $ 500 and $ 1,500 per violation, but the potential reward through the settlement will be determined by the number of valid claims submitted by the Feb. 25, 2019, deadline.

For more information and to submit your claim, click here.

NIBCO Plumbing Fixtures

If you have NIBCO PEX plumbing in your home that has leaked and caused water damage, you could be eligible for a portion of a $ 43.5 million class-action settlement.

Class members include consumers who have owned or occupied a building that contained NIBCO plumbing fixtures since Jan. 1, 2005, and either have costs from water damage or costs from repairing water damage that have not been reimbursed.

In addition, compensation will be available for six years after the start of the settlement to compensate homeowners for future property damage if it occurs.

Plaintiffs allege NIBCO PEX plumbing tubes, brass fittings and stainless steel clamps include a manufacturing defect that can result in potentially damaging water leaks.

Class members who file a claim with qualifying supporting documents may be able to receive between 25% and 70% of their monetary losses due to water damage.

Time, if not water, is running out. Click here for more information and to make a claim by the May 31, 2019, estimated deadline.

Charmin Freshmates Flushable Wipes

If you bought Charmin Freshmates flushable wipes, or any other Charmin pre-moistened wipes that said “flushable” on the label, between April 6, 2011, and Nov. 26, 2018, you might be eligible for a portion of a class-action settlement.

The Charmin Freshmates wipes plaintiffs allege that consumers incur financial injuries of at least a few hundred dollars when they have to hire a plumber to unclog sewer lines impaired by the collection of wipes.

Plaintiffs allege the wipes were falsely advertised as flushable and safe for septic systems, when in fact the wipes purportedly clog and damage sewage systems.

Class members who submit proof of purchase may receive a payout of up to $ 30. Those without proof of purchase may claim up to seven purchases.

Class members will receive 60 cents per package. Class members include consumers throughout the U.S., except for those in the state of New York.

If plumbing problems from Charmin flushable wipes have been a drain on your wallet, click here for more information on how to file a claim before the Feb. 28, 2019, deadline.

Dial Complete Foaming Liquid Hand Soap

Several lawsuits against Dial Complete foaming liquid hand soap have been resolved with a $ 7.4 million class-action settlement.

The lawsuits alleged marketing, advertising and sales violations by Dial, based on its use of active ingredient triclosan.

The false advertising claims include statements such as: “Kills 99.99% of germs encountered in household settings,” “no. 1 doctor recommended antibacterial liquid hand wash” and “kills more germs than any other liquid hand soap.”

Dial Corporation denies any wrongdoing, but both parties agreed to the class-action settlement to avoid the costs and risks of ongoing litigation.

Class members include consumers who purchased Dial Complete foaming liquid hand soap between Jan. 1, 2001, and Jan. 2, 2019

They will receive 27 cents per package for up to 30 packages without proof of purchase for a total of $ 8.10. Those who provide proof of purchase may receive 27 cents per package as settlement compensation for all packages purchased.

If, after subtracting all expenses from the settlement fund, the funds remaining are insufficient to pay all timely valid approved claims, then payments will be reduced proportionately on a pro-rata basis.

Don’t miss your chance to clean up with this settlement offer. Click here for details on submitting a claim by April 12, 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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Going bare-faced is scary, unless you follow these tips and tricks

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Pictured above: Beauty vlogger Estée Lalonde is the face of Oral-B’s #nofiltersmile campaign

In a world of FaceTune, Snapchat filters and over-contoured complexions, it’s time to start celebrating the au naturel. Let’s put barefaced beauty back in the spotlight and encourage more people to #nofiltersmile their selfies.

We know that showing the world a completely bare face can be daunting to some people; perhaps you’re struggling with blemishes, you wouldn’t be caught dead without concealer over your dark circles or maybe you just wish your teeth were a little bit whiter. We totally get it. However, there are some simple tricks that you can follow to help make you feel more confident in front of the camera.

1. GET THE FULL EIGHT

We know you’ve heard it before. But getting a good night’s sleep allows your body, mind and skin to rest, recuperate and repair. Avoid looking at your phone for an hour before bed, spritz your pillows and duvet with a lavender pillow mist and pop on an eye mask. You’ll wake up feeling a lot fresher, more revitalised and it will show on your face.

2. NAIL YOUR ROUTINE

If you want healthy looking skin you need to look after it properly. What does properly mean? It means cleansing every single day, then using a toner that’s suited to your skin type. If you don’t use a serum – introduce one now, it’ll supercharge your routine and help make your skin look lit from within. Once that’s done, follow with an SPF moisturiser for daytime protection. Repeat in the evening, but switch to a night cream that boosts the skin’s repair mode, like retinol.

3. DRINK, THEN DRINK SOME MORE

Another obvious step, but one that so often gets overlooked despite the benefits to your skin and health: drinking water. The NHS EatWell Guide recommends drinking between six and eight glasses a day, which is easy when it becomes a habit. Here’s a little tip: aim to drink two glasses when you’re having your breakfast, keep a glass on your desk and try to get through around four during the working day, then when you sit down to dinner try and drink two more, before finally ending with one before bed. Easy peasy. Your skin will thank you.

4. BE PICKY ABOUT WHAT YOU PUT IN YOUR MOUTH

Don’t just use any old toothpaste, use one that you’re actually going to benefit from. Oral-B’s 3D White Whitening Therapy Enamel Care Toothpaste is designed to remove surface stains and strengthen and nourish your enamel. The loss and weakening of enamel is what causes yellowing and stops you having a brighter, whiter smile.

5. WORK WITH WHAT YOU’VE GOT

They say the eyes are the window to the soul, so treat them with kindness and care and accentuate them. Get your eyebrows shaped at a brow bar and you’ll notice that your face is instantly framed. Curling your lashes opens up your eyes and makes them pop. Take down any puffiness with a cool flannel over your eyes for 15 minutes.

The post Going bare-faced is scary, unless you follow these tips and tricks appeared first on Marie Claire.

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Got Unused Baby Gear? Rent It Out With These Services to Make Extra Cash

Stay-at-home mom Manuela Madrid needed to make some extra money for her family, so she started searching Google for “jobs for stay-at-home moms” to see if anything seemed appealing. Eventually, a baby gear rental service called BabyQuip appeared in her results.

Services like BabyQuip allow families to rent strollers, car seats, cribs and other baby items when traveling instead of lugging around their own gear. Madrid, 37, who lives in Brandon, Florida, near Tampa, had collected baby equipment over the years while raising her two children, now ages 5 and 1. She decided after doing some research that listing her gear to rent would be perfect for her.

Madrid says on average she works less than 12 hours per month, getting two rental orders and earning between $ 120 and $ 180 with each fulfillment. So if you’re a parent with some baby equipment you’re not using, here’s what you need to know to become a baby-gear renter.

How Baby Gear Rental Services Work

A woman unloads a crib from her car

When a family places a rental order with a service like BabyQuip, a local provider — an independent contractor — receives the reservation request.

These orders vary in quantity and type of gear. Each reservation includes a delivery charge, and every item has a specific per-day rental rate. Madrid says a typical order consists of portable cribs and car seats, but it can also include strollers, high chairs and playpens.

On the day of the order, the provider loads up their car with the equipment and delivers it to a predetermined location such as an airport, hotel, Airbnb or private residence. Madrid says she helps set up more complex items, like cribs, if the renter or the Airbnb host is there. Otherwise, she leaves them at the front door or check-in desk.

At the end of the rental period, the provider collects the items and takes them home to be cleaned before the next rental.

Rafi Zait has witnessed the growth of the industry since founding Traveling Baby Company in 2004. Despite an uptick in awareness, he says many people still don’t know this service exists.

“The main reason is that unless you have (a) small children, and (b) [are] traveling somewhere, you’re not going to think about it,” says Zait, 48, who is now a Traveling Baby Company customer manager and company affiliate based in Los Angeles and Orange County, California.

Kristen Knorr was one of those people who didn’t know the industry existed until about a year ago. She discovered stroller rental services when researching websites in preparation for a family vacation to Disneyland. Space was limited in her family vehicle, so she opted to place a reservation and leave the stroller at their home in Provo, Utah.

When Knorr’s family arrived at their hotel near Disneyland, a double stroller from City Stroller Rentals was waiting for them at the front desk. “That was really great, and it was a better stroller than the one we had [at home],” she says.

Having the double stroller made a three-day Disney trip with a then 2 ½-year-old and a 9-month old easier. When it was time to drive back to Utah, Knorr left the stroller at the front desk for the baby-gear service to pick up. In the past, Knorr says, she would bring her own baby gear on trips but is now open to renting, especially when her family goes back to Disneyland in February.

What Are the Pay and Hours Like?

A woman sets up a crib

Madrid and Zait both say they earn 80% of each order, and their companies keep a 20% service fee.

Zait says there are many factors that go into how much someone can earn, such as the affiliate’s location, overall demand and competition. He says the business is busier during the summer and holidays, and order requests are higher in major cities and near popular tourist attractions.

An affiliate with Zait’s company can spend about three to four hours per average week delivering, picking up and cleaning the equipment and more than 10 hours a week during the holidays. A typical affiliate with his company can make between $ 800 and $ 1,200 per month.

Madrid says she receives an average of two orders per month and spends between eight and 12 hours fulfilling orders around the Tampa Bay area. In addition to the 80% take on each reservation, she gets to keep 100% of the delivery fees.

Some Baby Gear Companies to Consider

Now that you know the basics of what to expect doing the job, here are some of the best baby gear companies to consider joining. These are companies with a national presence, but there are more companies out there. Zait says most of the industry consists of mom-and-pop providers that operate in smaller areas, such as a specific city. So also consider checking if there is a company in your area that may need extra help delivering gear.

Babies Getaway

Founded in 2012, Babies Getaway’s services are available in every city in the continental United States, according to its website. Click here to find out how to become a partner with the company. The application asks which city you wish to service, whether you have a secure location in which to store the equipment and how far you are willing to drive for deliveries.

BabyQuip

BabyQuip has providers in 48 states, plus Washington, D.C., and Canada. An initial sign-up fee of $ 100 covers your administrative expenses, general liability insurance and your first month of insurance coverage. Click here to sign up and learn more about BabyQuip.

goBaby

GoBaby began in New York City before expanding nationally in 2016. Now the company operates in 35 states, according to its website. Equipment owners snap pictures of their gear and list it on the goBaby marketplace for renters to reserve. Click here to find out more.

Traveling Baby Company

Traveling Baby Company currently operates in 30 locations in 15 states, plus Washington, D.C., and Puerto Rico. Zait says people interested in becoming an affiliate can contact the company via email at info@travelingbaby.com or call 800-304-4866 to set up a phone interview.

Matt Reinstetle is a staff writer at The Penny Hoarder. He covers side hustles and the gig economy. Follow him on Twitter @MattReinstetle.

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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Keep these recalled foods off your Super Bowl spread

The Super Bowl is a national holiday even for those who don’t watch football. One big reason for that? The food.


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Business Travel Survival Guide: Do more and stress less with these tips from a successful millennial CEO

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Recognizing a missing resource for accomplished millennial women, Johnson launched Create & Cultivate to empower women to achieve their career goals and become their own bosses. She started small, with a gathering of 50 entrepreneurs in Palm Springs. In response, Johnson received hundreds of emails from women eager for the next conference.“That’s when I realized there was real momentum around this idea,” said Johnson. “It feels like a dream job.” Read more…

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Don’t Be Ashamed of Your Money. These 13 Tools Are Here to Help

No one likes being judged. Especially when it comes to personal finance.

I’m keenly aware of my budgetary state, so having someone totally judge me for it — and not offer constructive advice — is the worst.

Yes, I understand I need to stash more into my emergency savings. And I know I shouldn’t have spent $ 5 on that latte. And investing… that makes me nervous.

But just help me; don’t chastise me.

That’s why I’ve rounded up some personal finance advisers — and some money management apps  — that’ll help you get your money in order.

And they’ll do it without a single shred of judgment.

And, perhaps even better, without an ounce of conversation.

1. Earn a 100x the Normal Interest Rate

Operating everything out of one checking account can make your finances muddy and contribute undue stress to your money management — and make you feel like you don’t know what you’re doing.

To simplify, open a second account for a dedicated purpose. One of our favorites is the Aspiration Account — there are no monthly fees, and you’ll earn up to 100 times the interest rate of other banks.

This online-only account comes with a debit card and free ATMs, so you can easily access your money when you need it.

After you open your Aspiration Account, use it to split your income:

  • Automatically deposit a portion of your income into your existing bank account, and use that to cover basic expenses like rent and bills.
  • Deposit what’s left into your Aspiration Account to use for fun stuff, like eating out, shopping or going on vacation.

2. Take a Deep Breath and Check Your Credit Score

A chalkboard with the number '610' written on it.

Your credit score is important. The better your score, the better deal you’ll get on a mortgage, car loan or credit card. We’re talking big money here.

Even if you’re not buying a house anytime soon, a lousy credit score means you’ll get hit with a high security deposit whenever you rent a car or move into a new apartment.

But did you know your credit score could be inaccurate? One out of five credit reports have an error, according to a study by the Federal Trade Commission.

To keep a closer eye on your credit, get your credit score and a “credit report card” for free from Credit Sesame. It breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and how to address it.

Because it simplifies everything, you should be able to spot any errors. For instance, if you find an “unpaid” credit card that you know you paid, or a bill in collections you know never existed, you can dispute the incorrect information and raise your credit score.

James Cooper, a motivational speaker, raised his credit score 277 points using Credit Sesame. Now he talks to high school students about the importance of having good credit and uses what he’s learned through Credit Sesame as a blueprint for his lessons.

“We want to touch the Z Generation,” Cooper says “We’re not in the business of fixing credit. We want to get to you before you have to fix your credit.”

3. Play Scratch-offs to Your Heart’s Content (It’s Free!)

man and woman scratching lotto tickets and drinking wine

There’s something so satisfying about those gas station scratch-off tickets, but it’s better to avoid them because, well, that’s not Penny Hoarding.

Instead, try scratching for free using an app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $ 1 to $ 10,000. You can also earn tokens that you can exchange for free gift cards to retailers including Amazon, Walmart, Kohl’s, Sephora and more.

The app is supported by advertising, which allows it to keep the payouts high and the games free. For more info, check out our full review.

4. Use This to Bust Your Debt

Shot of a young couple going through paperwork together on the sofa at home

Once you fall behind, you may find yourself getting crushed by credit card interest rates north of 20%. You’ll never catch up that way. You’re spending so much on interest, you’ll never pay off your balances.

If you’re financially treading water like this, it might be worth consolidating and refinancing your debt.

By refinancing an existing loan, you’re taking out a totally new loan, which comes with new terms and (ideally) a lower interest rate. By consolidating your existing loans, you lump all your debt into one big payment, so you’re only making one payment and dealing with one interest rate per month.

Make sense but don’t know where to start? Credible is an online marketplace that offers consumers personalized loan offers. It’s best for borrowers who have good credit scores (think: around 640 or higher), and it lets you quickly compare rates without visiting a bunch of sites.

Rates start at 5.99%, and you can check yours by entering a loan amount here ($ 500 to $ 40,000) and comparing your personalized options in under 90 seconds.

5. Stop Deleting Your Emails

It turns out deleting your emails could be costing you money. Intrigued?

One of our secret weapons is called Paribus — a tool that gets you money back for your online purchases. It’s free to sign up, and once you do, it will scan your email for any receipts. 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.

Plus, if your guaranteed shipment shows up late, Paribus will help you get compensated.

Disclosure: Paribus compensates us when you sign up using the links we provide.

6. Share What’s in Your Fridge

A young woman standing in front of an open refrigerator holds a bowl of salad in one hand and a plate of fried chicken in the other.

Remember the Nielsen company? The one that’s always tracked TV ratings? Well, now it wants to know what’s in your fridge.

Once you sign up to be on the Nielsen Consumer Panel, you can either use your smartphone, or the company will send you a free barcode scanner. Every time you go shopping, you simply scan the UPC codes on the back of each product and send your data to Nielsen.

Nielsen will reward you with gift points, which you can redeem for free electronics, jewelry, household items or even toys for the kids.

The longer you stay on the panel, the more opportunity you have to earn points toward prizes. You’ll also receive entries for the panel’s many sweepstakes. Prizes include vacations and brand new vehicles.

7. Stop Overpaying for Monthly Bills

A man and woman sit on a bedroom floor together. A laptop sits on her lap, while he lays on a pillow holding up paperwork.

On the phone with your cell phone or internet provider, trying to haggle a lower monthly bill?

Go ahead and hang up. (We know you’re probably listening to crappy music while sitting on hold, anyway.)

Download TrueBill, an app that’ll negotiate your bills, cancel unwanted subscriptions and refund your bank fees.

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

On average, Truebill customers get $ 12 in credits off their cable bills each month.

The app will also remind you of all those sneaky subscriptions you’ve signed up for through the years, so you can cancel what you don’t use and reclaim your monthly budget.

Signing up and using the service is free, though there are some paid premium services that are totally optional — but could totally be worth it.

8. Earn Money Every Time You Swipe Your Credit Card

If you’re not using a rewards credit card for everyday purchases, you’re missing out on free money.

You just have to be sure you don’t get too carried away with those purchases — and that the card is paid off at the end of each billing period.

Here’s an option we like: It’s the Chase Freedom Unlimited card*. Its claim to fame? You’ll earn an unlimited 1.5% cash back on all your purchases. Plus, if you spend $ 500 in your first three months of opening the card (hi, groceries), you’ll pocket a $ 150 bonus.

There’s no annual fee, and the cash-back rewards don’t expire. We checked Credible’s annual rewards calculator, and it estimates $ 417 in annual rewards based on our spending habits.* (You can enter your unique spending habits and see what you’d earn, too.)

Get signed up — and 0% intro APR for 15 months — here.

9. Save Money Mindlessly

String tired around finge

Saving money is tough. So what if you could do it in a way where you wouldn’t even notice?

Digit makes that possible.

This innovative app automates saving for you. Simply link it to your checking account, and its algorithms will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Additionally, savers will receive a 1% bonus every three months.

Using this set-it-and-forget-it strategy, one Penny Hoarder saved $ 4,300 without noticing — read his Digit review.

If you need that money sooner than expected, you’ll always have access to it within one business day.

Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward.

10. Earn Cash Back for That 3rd Bottle of Wine (and for the Shoes You Ordered After Drinking It)

Little boy saving coin in a money jar

Look, it’s been a long week, and you just want to unwind with a glass of wine. Or three. We can’t promise the clerk won’t give you some side eye after your third such shopping trip — but you can have the last laugh.

Two of our favorite apps will actually get you cash back when you buy booze — and other stuff you might need on a week like this…

  • Ibotta will pay you cash for taking pictures of your grocery store receipts. Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes. It’s free to download, and you’ll get a $ 10 sign-up bonus after uploading your first receipt.
  • Ebates is a cash-back site that rewards you nearly every time you buy something online. For example, Ebates gives you 10% cash-back on online purchases at Walmart. Plus, you’ll get a free $ 10 gift card to Walmart for giving the site a try.

11. Play the Slots — and Bank $ 5 for Your Savings Account

woman using phone

Are you more of the “sit at home and play video games” type of person but you’re making yourself read this because you’re determined to get this adulting thing down?

The folks who created Long Game have you covered with a game that’s fun and helps you achieve your financial goals.  

As you save and accomplish missions you’ll earn coins to play mini games for cash prizes! We’re talking the classics, like slot machines, scratch-offs and spin-to-win wheels.

Penny Hoarder Carson Kohler uses Long Game to save money. Every two weeks, it sneaks $ 5 out of her bank account and rewards her with coins.

In two months, she’s saved $ 35.70, just by playing games on her phone. Plus, her winnings amount to a gain of about 2% — way higher than interest on any other savings account she has.

Once you link your bank account, you’ll earn 300 coins, so you can start playing while you wait for payday. 

12. Invest Like a Woman

Businesswomen looking at fabric samples on presentation board.

Traditional investing companies have never really considered the fact that women statistically get paid less, yet live longer. That’s why Sallie Krawcheck, a former Wall Street CEO and an adamant proponent of women’s financial power, founded Ellevest.

It’s an investing platform designed for women, by women and in support of other women. It uses a unique algorithm designed to help you better plan for the future.

Once you sign up for free, Ellevest will issue you a free personalized investment plan. Plus, if you sign up before Dec. 31 through The Penny Hoarder, you’ll get a $ 25 bonus in your Ellevest account.*

Ellevest’s “digital” plan is designed to be accessible. There’s no minimum balance, and you’ll pay an annual fee of 0.25% of your assets under management to Ellevest. For context, that’s $ 25 on a $ 10,000 account.

It’ll make you feel good about your future — and not so judged.

13. Manage Your Credit Card Payments in One Place

women hands getting cash in a bank teller

Carrying more than one credit card balance can feel a bit like herding cats. Just when you think you have one under control, you realize you’ve let a different one slip away.

High interest rates and late fees can make it feel like you’ll never get those bills under control.

That’s where Tally comes in. It’s a simple app that lets you store and manage your credit card payments in one place, optimizing the amounts and times.

Simply download the app, scan in your credit cards, and if you qualify (with a minimum credit score of around 675), Tally will give you a line of credit with an interest rate between 7.9% and 19.9%* and use the lower interest rate to make managing your payments easy.

No more missed payments. Lower interest rates. All in one place. And don’t worry, Tally uses bank-level security, so your information is safe.

Tally is currently available in Arkansas, California, Colorado, Florida, Illinois, Louisiana, Massachusetts, Michigan, Minnesota, New Jersey, New York, Ohio, Texas, Utah, Washington and Wisconsin.

*Your APR (which is the same as your interest rate) will depend on your credit history and varies with the market based on Prime Rate. Accurate as of July 2018.

*The Ellevest The Penny Hoarder promotional offer is valid from July 25, 2018 to December 31, 2018 for the first 1,000 new clients of Ellevest who enter through this designated landing page. Clients who enroll and fund their non-retirement account will receive $ 25 added to their highest priority goal in their Ellevest account. Clients who enroll and fund their retirement account will receive a $ 25 Amazon gift card which can be redeemed by visiting www.amazon.com. Please review Amazon.com Gift Card Terms and Conditions prior to redemption. Ellevest is not responsible for lost Amazon Gift Cards. Ellevest’s processing time for depositing $ 25 into a client’s Ellevest account or delivery of a $ 25 Amazon gift card may be up to 60 days.

**Annual Rewards amounts will change based on the amounts you enter. The monthly spending category names and definitions may vary among issuers, and categories may not align one-to-one.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She’s a big fan of gentle reminders.

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.

The Penny Hoarder

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These tube socks are inspired by iconic MTA subway tiles

Wearing public transit can be way more delightful than riding it. Pals and artists Abraham El Makawy and Michael Saunders — who are also fifth-generation Brooklynites — have been making transportation-themed merch under the brand name AINT WET since 2012. “What I love about the trains is that they’re ultimately the grand equalizer,” El Makawy,…
Fashion News, Photos, and Video | New York Post

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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer

Do me a favor and take a quick look in your closet. Overflowing, right?

Well, there’s a solution to that problem: selling your used clothes.

It’s a win-win, and you don’t have to wait for a spring-cleaning binge to get started. In fact, you should do it seasonally to stay in vogue.

So tear a page from the Marie Kondo playbook and make one big pile of all your clothes. Yes, even your winter gear from the living room closet. Definitely the swimsuit collection in the basement. And all the baby shower clothes that you never even used, too.

You may surprise yourself with the amount of clothes you have once you get them all in one place. Kondo recommends that as you sift through your stuff, you ask yourself, “Does this item spark joy?”

Nope? Then sell it.

Where to Sell Used Clothes

Plenty of apps and websites like Poshmark, Threadflip, Etsy and eBay allow you to sell your clothes online. But maybe you don’t have the technical know-how (or the patience) to do it yourself. Don’t fret. There are several other brick-and-mortar places to pawn off your used clothes, shoes, handbags, accessories — even baby clothes, toys and supplies — to get cash in your pocket by the end of the day.

A woman shops for clothing at Upscale Cheapskate, a trendy thrift store.

Uptown Cheapskate

Want to pop some tags? Uptown Cheapskate is your place. It’s located in 21 states and is a cross between a trendy boutique and a thrift store for young adults. You can sell or trade in men’s and women’s clothes at any of its locations. Trade-ins get 25% bonus store credit.

Brands that do well at Uptown Cheapskate include Urban Outfitters, Levi’s and H&M. If you’re unsure if your clothes will fit in style-wise, visit its website for more info on trending brands and styles.

Buffalo Exchange

Founded back in 1974, Buffalo Exchange has remained family owned as it has expanded to 19 states and the District of Columbia. And if you don’t live in one of those areas, the clothing exchange has a sell-by-mail program. The company is a firm believer in reusing and recycling clothes to reduce waste and pollution (and save cash). Each store also partners with local charities.

Buffalo Exchange accepts a wide array of clothes for both men and women — vintage, athletic wear, plus sizes and more. Contrary to its name, it does not accept bison at this time. Sorry in advance.

Clothes Mentor

Clothes Mentor is a one-stop shop for fashionable women’s clothing sized 0 to 26 and maternity wear. It’s a hub for those who want designer brands without designer price tags.

Clothes that sell well include Armani, Banana Republic, Saks Fifth Avenue, White House Black Market and others. Shoes, accessories, jewelry and handbags are also accepted. 

Clothes Mentor has 143 stores across 30 states and, at certain locations, offers personal shoppers who tailor outfits to suit your tastes.

Plato’s Closet

Ah, the ole standby, Plato’s Closet. You may not have known this was a clothing exchange store, but it’s likely that you’ve caught a glimpse of one of its more than 470 locations in North America — probably tucked between your local Chinese buffet and the grocery store.

Plato’s is Winmark Corp.’s most successful clothing exchange franchise, and it’s aimed at teens and young adults. Everyday styles from Abercrombie & Fitch, American Eagle, H&M, Nike and Obey are typically in demand. Plato’s Closet also buys athletic wear, shoes and accessories.

To see if your wardrobe surplus is a good fit for Plato’s, browse its website for other brands and styles that sell well.

Style Encore

Another solid option from Winmark Corp. is Style Encore. It’s like Plato’s sibling, only slightly older and more sophisticated.

Style Encore accepts women’s clothing from brands like Banana Republic, Calvin Klein, Coach and Kate Spade. Like Clothes Mentor, Style Encore has personal stylists to help you look like a million bucks (without spending a million).

It’s Winmark’s newest clothing exchange brand, so locations aren’t as comprehensive as Plato’s. Double-check the store locator to find the closest one to you.

Once Upon a Child

Last but not least in Winmark’s clothing resale portfolio is Once Upon a Child.

It’s no surprise that child care expenses are a budget buster, but this store can help keep costs down when it comes to baby clothes, supplies and even furniture.

In addition to children’s clothes sized preemie to youth 20, Once Upon a Child will buy used cribs, cradles, strollers, baby electronics, halloween costumes and toys. Even more good news for parents: You won’t have to look very far. Once Upon a Child has more than 350 stores across the U.S. and Canada.

Local Consignment Shops

If none of the above stores fit the bill, you can always try your nearest consignment shop.

These shops work a little differently than clothing exchanges, because consignment stores may not pay you until your item sells. That means it’s unlikely you’ll walk out with a pocketful of cash. It’s also difficult to predict what brands they will buy, because most local stores don’t have databases and metrics to go off of. Sales are often based on personal taste or season.

But hey, anything is better than leaving unused clothes tucked away in the furthest corner of your shelf for years to come.

How to Get the Most Cash From Your Clothes

A thrift store owner goes through clothing a customer brought in to sell.

Some things are guesswork when trying to sell your clothes. Stock and styles change, so it’s hard to say for sure which brand or outfit will sell. However, there are a few things you should always take into consideration, no matter the item or the store.

Following these few guidelines will ensure you get the best quote possible.

Clean and Fold Your Clothes

If it seems like I’m wagging my finger, it’s because I’m wagging my finger.

Almost every store listed above recommends washing your clothes before taking them in. Since your payout is based on an associate’s quote after they carefully check each item, you don’t want dirt or food caked to your shirt. It’ll definitely go in the “no” pile.

Likewise, super wrinkly clothes come across as unwashed, and you don’t want to give that impression. So be sure to fold them neatly before taking them in.

Use a Nice Basket or Hamper to Carry Your Clothes

Quick! What do you think of when you see trash bags?

Trash, right? Not clothes.

Presentation matters. The associates checking your clothes don’t want to sift through trash bags. So after you’ve washed all the clothes you want to sell, fold them and place them in a basket, hamper or box that you can take to the store.

Check for Damage or Pit Stains

If you were a shopper, would you buy a shirt that had pit stains or a missing pocket? Didn’t think so. The stores work the same way. They don’t want damaged, stained or heavily faded clothing.

Before you take your clothes in, examine them under a bright light to check for tears or discoloration.

Pro-tip: In general, to keep colors bright, you can soak your clothes in salt. Only wash them as needed — inside out and in cool water to avoid fading.

Sell Your Clothes Often

Buffalo Exchange’s biggest tip is to buy or sell your clothes every three months. That way, your clothes cache will always be in style, which means more money in your pocket when you sell.

Since most clothing exchanges buy with seasons in mind, it may be best to wait till spring or summer before purging your bathing suits.

Unless you live in Florida. Then January’s probably fine.

Adam Hardy is a staff writer on the Make Money team at The Penny Hoarder. He believes in the life-changing magic of selling all most of your things. Read his full bio here, or say hi on Twitter @hardyjournalism.

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.

The Penny Hoarder

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If You Fall in One of These 4 Categories, You Should Buy Postage Now

Every time I mention I need to buy stamps, someone always scoffs, “Who uses stamps anymore?”

But every time I go to the post office, I end up in a line six or eight deep.

Mailing stuff is still big business. But it’s about to get a little more expensive.

This month, prices are going up from 50 cents to 55 cents cents per stamp.

Penny Hoarders know what this change means: The best time to buy postage is right now.

Why You Should Buy Stamps This Week

Unless you’re looking for a special edition postage stamp, most stamps are now labeled “Forever” instead of with a monetary value; you can use them regardless of the fluctuating price of stamps.

On Sunday, Jan. 27, the price for those Forever stamps will increase 5 cents. Here are the mailing price changes you need to know:

  • Letters (1 oz.): 50 cents to 55 cents
  • Letters (metered 1 oz.): 47 cents to 50 cents
  • Small Priority flat-rate box: $ 7.20 to $ 7.90
  • Medium Priority flat-rate box: $ 13.65 to $ 14.35
  • Large Priority flat-rate box: $ 18.90 to $ 19.95
  • Large APO/FPO flat-rate box: $ 17.40 to $ 18.45
  • Regular flat-rate Priority envelope: $ 6.70 to $ 7.35
  • Legal flat-rate Priority envelope: $ 7.00 to $ 7.65
  • Padded flat-rate Priority envelope: $ 7.25 to $ 8.00

If you fall into one of these categories, you should probably get in line to buy stamps or Priority postage right now:

1.You Actually Send Letters

If you buy a book of 20 stamps this week, you’ll pay $ 10. Next week, a book of stamps will cost $ 11. Five cents per stamp doesn’t seem like much, but think about how many letters you mail in an average year. If it’s more than 20 — people who still pay rent by mail, sing it with me — it’s worth stocking up now and saving a buck per book.

2. You Sell on Etsy, eBay or Another Online Platform

If you sell anything online, you’ll probably see a small increase in the cost of mailing each package. A cent here or there? No big deal. But over the course of a year, the increase can mean hundreds in additional business costs.

Make plans now to adjust your prices to account for the postage increase. Then, buy whatever supplies you can before the price goes up on stamps or Priority flat-rate postage.

3. You’re Getting Married

There is a little good news — at least for those hearing wedding bells: The single-piece additional ounce price will be reduced from 21 cents to 15 cents. So a 2-ounce stamped letter, such as a typical wedding invitation, will cost less to mail, decreasing from 71 cents to 70 cents.

But you’re probably putting stamps on the invitation-response cards. And the save-the-dates. And all those thank-you cards you’re totally going to write within three months of the wedding.

I’m not saying you have to send all those items to have a fun wedding celebration. I’m just saying that if you plan to mail any of them, you’re about to pay a bit more.

4. You Want to Make Some Extra Cash

Did you know you can buy and sell unused postage stamps on eBay? Buy a bunch at 50 cents each now and sell them later as the price continues to increase. Bonus tip: Don’t just buy whatever stamp the guy behind the counter offers you. Ask for the cool stamps that collectors or letter-writing fanatics might be looking for later. Your profits may be small, but a small profit is way better than no profit.

What’s Up With All the Price Changes on Stamps? They’re Just Stamps

The price changes are actually more calculated than you might think.

In 2014, the U.S. Postal Service got permission to raise stamp prices by 3 cents (from 46 cents to 49 cents) for a two-year period. The hike was essentially a fundraiser for the Postal Service, which doesn’t receive any government funding — thus you still receive your mail during a government shutdown. Instead, it makes all its money off us mailing things.

Stamp prices are typically tied to the rate of inflation, so when the two-year special increase expired in spring of 2016, stamp prices dropped back to 47 cents — which was in accordance with the inflation rate.

This month’s increase is just another turn in the inflation game.

Lisa Rowan is a senior writer and on-air 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.

The Penny Hoarder

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Check Out All These Bright, Bold, And Beautiful Looks From The Red Carpet At The 2019 SAG Awards

25th Annual Screen Actors Guild Awards - Arrivals

Source: Gregg DeGuire / Getty

Red carpet season is in full effect and the 2019 Screen Actors Guild Awards and the red carpet was surprisingly refreshing! Beautiful feathered gowns and interesting accessories brought delight to what, frankly, has been a bore of a season. Celebrities came out dressed in bolder looks or feminine frocks showing of beauty, hair, and the uniqueness of our Blackness. This is a gallery worth clicking through. Share with us your favorite looks at the end!

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Celebrate the Long-Awaited Weekend With These 91 Online Sales

Congrats on making it through another week! We honestly deserve a medal for making it to Friday, but a very full glass of rosé and some retail therapy will do. So start pouring and treat yourself to the 91 online sales below. Happy hunting!  Abercrombie & Fitch: Up to 70% off sale; extra …

Continue reading

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These destinations are straight out of fairytales

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Many of us grew up reading fairytale stories, but never believed we could actually visit many of the places in those stories. Little did we know, there are plenty of places in the world that look like they have come straight from a fairytale – these are just some of them.

Zhangjiajie National Forest Park – China

Movie fans might want to take a trip to China if they want to see what the world of Avatar looks like in real life. That’s because it’s said that James Cameron used the landscape as inspiration for his world, Pandora. Amazingly, this is not only China’s first national park but is also the home to the 3,540-foot tower named Avatar Hallelujah Mountain.

Bagan – Myanmar

The area of Bagan is filled with temples that look as though they have been plucked straight out of a fairytale and scattered throughout the land. The mist often surrounding the buildings only adds to the intrigue of this mystical place. The best bit? There are so many ways to explore Bagan including hiking around the area or taking a hot air balloon trip.

Hoh Rainforest – U.S.A.

Believe it or not, but tucked away in Washington is one of the best surviving rainforests of the country. In fact, the Hoh Rainforest can see anywhere between 140 and 170 inches of rain each year. There are two trails that wind within the trees, and some visitors may even be lucky enough to see a group of elk grazing amongst the fairytale landscape.

The Giant’s Causeway – Northern Ireland

This area of coastline would be right at home in a story thanks to the hexagonal rocks that lie tucked next to each other between the land and the sea. Volcanic activity from thousands of years ago is the reason behind the formations, and now creates one of the most beautiful sights in the land. Folklore states the columns were formed none other than the giant, Finn MacCool.

Vaadhoo Island – Maldives

Of course, many of us have seen the picturesque landscape that is the Maldives, but it’s the Sea of Stars found off the coast of Vaadhoo Island that makes it even more breathtaking. The bioluminescent marine plankton emits a glowing light whenever they are disturbed and create a show that almost looks like the entire night’s sky under the sea.

The tulip fields – Holland

Team miles of colorful tulips with fairytale windmills all across the country and you might just find yourself wondering if you could still be on planet Earth. As if that wasn’t enough, Holland is known for its love of bicycles and trams which can be a far cry from the loud engines of cars that many of us are used to around the rest of the world.

We never knew there were so many breathtaking places all around the world. In fact, you might have to pinch yourself if you need a reminder that you’re still on Earth and haven’t been transported to a fairytale destination straight out of the storybooks. Perhaps it’s time to start exploring all these magical lands?

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The post These destinations are straight out of fairytales appeared first on Worldation.

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Artificial intelligence is coming for these types of jobs

Robots aren’t replacing everyone, but a quarter of US jobs will be severely disrupted as artificial intelligence accelerates the automation of existing work, according to a new Brookings Institution report. Thursday’s report from the Washington think tank says roughly 36 million Americans hold jobs with “high exposure” to automation — meaning at least 70 percent…
Technology News & Reviews | New York Post

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50 days. Check out these brand new character posters, and see…

50 days. Check out these brand new character posters, and see Marvel Studios’ “Captain Marvel” in theaters March 8th! Get tickets now: www.fandango.com/CaptainMarvel

Marvel Entertainment

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Find your favorite Toy Story toys, apparel, , collectibles and more in the Toy Story Character Shops at the online Disney Store.

Someone forgot to tell Philips Hue to end all these Cyber Week deals on Amazon

Philips Hue Sale On Amazon

Oops! Black Friday and Cyber Week are long gone but no one told Philips Hue that, because the company is still offering all sorts of great deals on Amazon. Some pricing is the same as Cyber Week and some is a bit higher, but you can still save a bunch of money on several of Philips Hue’s most popular smart lighting products. Examples of some of the deals include $ 7 off Philips Hue Single Premium Multicolor A19 Smart Bulbs, $ 10 off the insanely popular Philips Hue LED LightStrip Plus, and $ 7 off the Philips Hue Go portable smart lamp. Check out all the deals bellow.

Philips Hue Single Premium Smart Bulb

  • VOICE ACTIVATED: The Philips Hue White and Color A19 Light Bulb works with Alexa for voice control (smart hub required , Alexa device and hub sold separately). For the full Hue experience and to take advantage of voice activation purchase the Philips Hue Hub (Model: 458471). Search “Philips Hue Hub” or “B016H0QZ7I” to find this product on Amazon.
  • LIMITLESS POSSIBILITIES: Choose from 16 million colors to instantly change the look and atmosphere of your room or control you smart lights with your voice device. Requiring the Philips Hue Hub (sold separately) for the full Hue experience.
  • TAKE CONTROL: Control your Philips Hue color lights with your voice using Alexa, Apple HomeKit, or Google Assistant. Pair it for home automation with your existing Nest or Samsung SmartThings system.
  • EASY INSTALLATION: To install, simply screw in the smart bulbs into your desired light location, download the Hue mobile app and pair your Hue hub. Control smart-bulb-equipped lamps and overhead hue lights via the Philips Hue App. Ideal for your favorite ceiling fan lights, floor lamps, table lamps, pendant lights, and more throughout your smart home.
  • EXPAND YOUR SMART HOME: Easily expand your lighting system with smart accessories (sold separately), such as a Hue Dimmer Switch, Hue Tap, or Hue Motion Sensor.

Philips Hue Single Premium Smart Bulb, 16 million colors, for most lamps & overhead lights, Hub…: $ 43.04

Philips Hue White and Color Ambiance LightStrip Plus

  • MAXIMUM COMPATIBILITY: Pair your Hue smart bulbs with any voice or Smart Home assistant. Works with Alexa, Google Assistant, Apple Homekit, Microsoft Cortana, SmartThings, IFTT. Hub required, Alexa device and hub sold separately). For the full Hue experience and to take advantage of voice activation purchase the Philips Hue Hub.. Search “Philips Hue Hub” to find this product on Amazon.
  • HASSLE-FREE CONNECTIVITY: Smart Lights that won’t clog up your Wi-Fi network. Control up to 50 Hue lights on one Hue Hub without adding a Wi-Fi extender or extra router
  • HOW TO USE: Install the flexible 80-inch LightStrip under bars, bed frames, or cabinets, with included adhesive tape. Trim it to the perfect size with the included cut marks. Extend your Philips Hue Lightstrip Plus up to 33 feet by adding the 40 inch Hue Lightstrip Extension to cover larger surfaces and enable wider applications”
  • ULTIMATE ENTERTAINMENT EXPERIENCE: Sync your Hue lights with Gaming, Music and Movies using your PC via the Hue Sync app
  • NEXT-LEVEL AUTOMATION: Hue is a Smart Lighting system that remembers your light routines and timers, even when your Wi-Fi goes down
  • CONTROL LIGHTING FROM ANYWHERE: Take your Smart Light control using your mobile device with you when you travel. Control lights, edit routines and set timers even when you’re away from home
  • INDUSTRY STANDARD: Philips Hue is the only smart lighting product with Energy Star certification and its smart light bulbs last up to 22 years.
  • LIMITLESS POSSIBILITIES: Philips Hue works with the most Voice Assistant and Premium smart home brands. Connect your Hue lights with Nest, Logitech, Razer Gaming, and Xfinity (download for free on Meethue.com)

Philips Hue White and Color Ambiance LightStrip Plus Dimmable LED Smart Light (Compatible with…: $ 79.95

Philips Hue White and Color Ambiance E12 Decorative Candle

  • VOICE CONTROL: The Philips Hue White and Color Ambiance Smart Bulb Candle works with Alexa for voice control (Philips Hue Hub required, Alexa smart device and hue hub sold separately). For the full Hue experience and to take advantage of voice activation purchase the Philips Hue Hub (Model: 458471). Search “Philips Hue Hub” or “B016H0QZ7I” to find this product on Amazon.
  • SCHEDULE YOUR OWN CUSTOM LIGHTING SCENES: With wireless control on your smartphone or tablet, choose the perfect smart light setting for any mood or activity such as reading or relaxing, concentrating, or energizing. This is the perfect way to personalize your smart home.
  • MAXIMUM FLEXIBILITY: Requiring the Philips Hue Hub (sold separately) for the full hue smart lighting experience, this E12 LED smart light is designed to fit candelabra lamps in nightlights, chandeliers, and more.
  • EASY INSTALLATIN: Install the smart light as you would install an ordinary bulb, pairing it with the Philips Hue Hub. Install your Philips Hue White and Color Ambiance Candle easily into your smart home.
  • EXPAND YOUR ECOSYSTEM: Easily expand your smart lighting system with Hue accessories (sold separately), such as a Hue Dimmer Switch, Hue Tap, or Hue Motion Sensor. Pair it for home automation with your existing smart home devices like Nest or SmartThings system.

Philips Hue White and Color Ambiance E12 Decorative Candle 6W Equivalent Dimmable LED Smart Bul…: $ 45.99

Philips Hue Go White and Color Portable Dimmable LED Smart Light Table Lamp

  • VOICE CONTROL: The Philips Hue Go White and Color Portable Smart Light Table Lamp works with Alexa smart home devices for voice control (hue hub required, Alexa smart device and hub sold separately). For the full Hue experience and to take advantage of voice activation purchase the Philips Hue Hub (Model: 458471). Search “Philips Hue Hub” or “B016H0QZ7I” to find this product on Amazon.
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Philips Hue White and Color Ambiance A19 60W Equivalent LED Smart Bulb Starter Kit

  • VOICE ACTIVATED: The Philips Hue White and Color Starter Kit works with Alexa for voice control (smart hub required and included, Alexa device sold separately).
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Someone forgot to tell Philips Hue to end all these Cyber Week deals on Amazon originally appeared on BGR.com on Wed, 23 Jan 2019 at 10:52:33 EDT. Please see our terms for use of feeds.


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Do These 7 Companies Owe You Money? Check These Class Action Settlements

The holidays may have made everything merry and bright, but some businesses will be fighting to keep the office lights on after they pay these class-action lawsuit settlements. Our New Year’s countdown includes three tiers of claimants, two small-appliance companies and one payment processor accused of charging unauthorized fees.

Intuit TurboTax Fraudulent Tax Return

If you had a fraudulent tax return filed in your name, you could be eligible for two years of free credit monitoring by TransUnion as a result of an Intuit TurboTax class-action settlement.

Intuit TurboTax faced allegations the company failed to adequately protect consumers’ information, which allowed fraudulent tax returns to be filed for several years.

Class members are those who had a fraudulent tax return filed in their name through Intuit TurboTax for tax years 2014, 2015 or 2016.

Intuit admits no wrongdoing by agreeing to the settlement. No money is offered in the settlement, which could affect more than 915,000 consumers who will not be compensated for expenses related to fraudulent tax return filings. Consumers may wish to pursue such compensation separately.

To receive two years of free TransUnion credit monitoring services, click here to file a claim by Jan. 22, 2019.

Black & Decker, Farberware Small Appliances

Consumers who bought Black & Decker or Farberware small appliances may qualify for a portion of a class-action settlement.

Plaintiffs alleged that both companies failed to represent that certain covered products are manufactured and warranted by them.

Some plaintiffs also accused the brands of selling coffee makers that make much less coffee than they were marketed as producing.

The coffee makers were advertised as making a predetermined number of “cups,” which the plaintiffs allege are not the standard 8 fluid ounces that most consumers purportedly assume is meant by a “cup.”

The defendants included Spectrum Brands Holdings Inc. and Applica Consumer Products Inc. Neither admitted to wrongdoing in the settlement.

Consumers who purchased certain appliances between Feb. 5, 2014, and Oct. 19, 2018, may be eligible to receive compensation. Eligible items include:

  • Black & Decker: air fryers, blenders, can openers, coffee grinders, coffee makers, electric knives, food processors, grills, irons, juicers, kettles, mixers, quesadilla makers, rice cookers, skillets and other surface cookers, slow cookers, toasters, toaster ovens and waffles.
  • Farberware: coffee urns and percolators, food processors and toaster ovens.

Class members are eligible to receive up to $ 4.

For more information — and to fill out your claim form by the Feb. 28, 2019, deadline — click here.

Van Heusen Fake Sale (California Only)

Customers who shopped at a Van Heusen store in California could receive up to $ 150 in merchandise certificates due to a recent class-action settlement.

The retailer admits no wrongdoing in the settlement but faced allegations that it engaged in deceptive advertising practices by placing false reference prices on merchandise.

The fake prices were allegedly designed to convince customers that the products were of high quality and that the current prices were a bargain.

Class members are those who shopped at a Van Heusen store in California between June 1, 2018, and Oct. 3, 2018, where such fake reference prices were displayed upon products.

Compensation will be distributed by means of single-use merchandise certificates in the amount of $ 6.50.

There are three levels of class members, which include:

  • First tier of claimants: Class members who are a member of the Van Heusen loyalty program and made one or more qualifying purchases. These claimants are not required to submit proof and are eligible for one merchandise certificate.
  • Second tier of claimants: Class members who made one or more qualifying purchases and submit a valid claim form with proof of purchase. These claimants are eligible for one merchandise certificate.
  • Third tier of claimants: Class members who are a tier one or tier two claimant, made a qualifying purchase of $ 150 or more and submit a valid claim with proof of purchase. These claimants are eligible for additional merchandising certificates.

The potential award is $ 150 in merchandise certificates with proof of purchase or just one merchandise certificate of $ 6.50 without proof.

Click here for more details and to submit a claim by Jan. 16, 2019.

Subway Credit Card Receipt

Customers who used a debit or credit card to purchase items at a Subway fast-food restaurant may be eligible for part of a $ 30.9 million class-action settlement.

Subway faced allegations that the company violated the Fair and Accurate Credit Transactions Act (FACTA) by allowing the expiration date of credit and debit cards to appear on receipts handed to customers.

FACTA prohibits anything other than the last five digits of the card number to appear on a receipt. The expiration dates allegedly appeared on receipts given at specific restaurant locations that used a Subway payment management system that had been programmed to print the dates.

Class members include customers who purchased food or other merchandise from those Subway restaurants between Jan. 1, 2016, and March 23, 2017.

Each class member is eligible for a potential award up to $ 75.

For instructions on how to obtain a claim ID and to submit a claim by the Jan. 22, 2019, deadline, click here.

Fiat Chrysler Automatic Transmission

If you owned or leased a 2014 or 2015 Jeep Cherokee, 2015 Jeep Renegade, 2015 Chrysler 200 or 2015 Ram ProMaster City vehicle, you could be eligible for a portion of a class-action settlement regarding allegations that Fiat Chrysler installed defective automatic transmissions.

Vehicles equipped with a ZF 9HP transmission allegedly included a defect that causes loud noises and makes it difficult to shift into gear. The vehicles were marketed as having the benefits of both manual and automatic transmissions.

Under the terms of the class-action settlement, class members who made at least three transmission-related complaints to an FCA US-authorized dealer could receive up to $ 2,000 cash or a trade-in value of up to $ 4,000.

Fiat Chrysler has also agreed to extend warranties on vehicles containing the ZF 9HP transmission of the class vehicles to six years or 100,000 miles.

Class members with one of the qualifying vehicles must complete a claim form and include documentation that they made at least three transmission-related complaints prior to Nov. 16, 2018.

Get into gear and click here for more information and to file a claim by May 15, 2019.

Conde Nast, Vogue, Golf Digest Magazines (Michigan Only)

Magazine subscribers in Michigan may be eligible for a portion of a $ 13.75 million class-action settlement.

Plaintiffs in the Condé Nast class-action lawsuit alleged Advance Magazine Publishers Inc. violated Michigan’s Preservation of Personal Privacy Act by allegedly sharing subscriber information with third parties.

No wrongdoing has been determined in the settlement, but Michigan subscribers of Allure, Architectural Digest, Bon Appétit, Brides, Condé Nast Traveler, Footwear News, Glamour, Golf Digest, Golf World, GQ, Lucky, Self, Teen Vogue, The New Yorker, Vanity Fair, Vogue, W, Wired, and Women’s Wear Daily may qualify to receive up to $ 75 each in the settlement.

The actual award will depend upon the number of qualifying claims received by the estimated deadline of April 14, 2019.

Class members include Michigan residents who subscribed to a Condé Nast publication between July 20, 2009, and July 30, 2016.

For more information on the magazine privacy class action settlement flip or click here.

Merchants’ Choice Payment Solutions Fees

A $ 15 million class-action settlement has been reached between businesses and Merchants’ Choice Payment Solutions, a payment card processing service accused of adding unauthorized charges to the merchants’ invoices.

Class members are those who contracted with or through Merchants’ Choice for payment processing services between Dec. 22, 2013, and Sept. 18, 2018, and were charged one of the following fees:

  • Annual fees.
  • Batch header fees.
  • PCI program/compliance fees.
  • PCI noncompliance/non-validation fees.
  • Gateway access fees.
  • Foundry/e-merchant fees.
  • Monthly minimum discount fees.
  • Nonqualified fees.
  • Discount rates.
  • Other discount fees (including signature debit rates).
  • Paper statement fees.

Potential awards are estimated to be $ 65 to $ 70.

Click here for more information and to file a claim by the March 4, 2019, deadline.

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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The sweater you don’t like is a trillion-dollar problem for retailers. These companies want to fix it

"Shoppers return 5 to 10 percent of what they purchase in store but 15 to 40 percent of what they buy online," David Sobie, co-founder and CEO of Happy Returns tells CNBC.
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Looking to get away? Hit these hotspots before everyone else does

*Books flights immediately*

holiday photography

You don’t need reminding that January is pretty bleak. As we count down the days until payday and try not to think about the cold, we’re also Googling getaways because we need something to look forward to this year – right?

But where should you head off to? Should you opt for a staycation or head to Europe? Go to your favourite place or try somewhere new? Or maybe you want to go that bit further and really chase the sun?

On The Go Tours analysed data from the United Nations World Tourism Organisation 2018 Tourism Highlights Report to find out which countries are growing in popularity as tourist hotspots – and give you some hol-spiration.

So where are we all heading as soon as the need for sun hits?

Romania is the fastest growing destination for UK tourists, with an increase of 638% between 2007 and 2017. Lithuania comes in second with around 115,000 visitors in 2017, followed by Mexico with holidays there racking up around 49 million hashtags on Instagram. If you’re going for the perfect feed, you know where to go.

Other tourist hotspots include Abu Dhabi, Dubai and Morocco.

The original favourites, France and Spain, don’t make the list for fastest growing destinations – but they are still pulling in the crowds with over six million and ten million British tourists visiting respectively.

On The Go Tours Head of Marketing, Hollie Youlden comments: ‘It’s interesting to see the variety of destinations that have made it into the top 20 with our internal consumer data seeing similar trends for UK tourists, with peaks in destinations like Morocco, Greece, and Italy.

‘Europe definitely takes the crown with 70% of the fastest growing destinations being European countries, which given the wonderful variety of locations we have in Europe, and the relatively short travel distances from the UK, may not come as a huge surprise.

‘Having said that, it’s great to see the likes of longer haul destinations in North America, Middle East, Asia and Africa with a large increase in UK tourists, showing people are willing to travel the extra mile for fantastic views, culture and cuisine.’

Brb, booking flights immediately.

The post Looking to get away? Hit these hotspots before everyone else does appeared first on Marie Claire.

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‘I Stand Behind These Women 1000%.’ Lady Gaga Apologizes for Working With R. Kelly

Lady Gaga apologized Thursday for working with R. Kelly on a 2013 song, and said she believes the women who have accused the singer of sexual misconduct.

“I stand behind these women 1000%, believe them, know they are suffering and in pain, and feel strongly that their voices should be heard and taken seriously,” Gaga wrote in a statement posted on Twitter. “What I am hearing about the allegations against R Kelly is absolutely horrifying and indefensible.”

Gaga, who has identified herself as a victim of sexual assault, issued her statement in the wake of the Lifetime documentary Surviving R. Kelly, which reignited public conversation about sexual misconduct allegations against the R&B star. The film includes interviews with people — both alleged victims and people who worked with him — who allege that Kelly preyed on underage girls and kept women and girls locked in his homes.

In an interview with Billboard, Kelly’s lawyer dismissed the claims in the documentary as “another round of stories” used to “fill reality TV time.” Kelly and his camp have denied the allegations against him for years, including after the release of a video that appeared to show Kelly having sex with and urinating on a teenage girl in 2002. (Both Kelly and the girl denied that they appeared in the video.) He was acquitted on child pornography charges in 2008.

Despite the long history of allegations against Kelly, he has continued to enjoy a successful music career — even working with popular artists like Gaga, who featured Kelly on her 2013 track “Do What U Want (With My Body).”

In the new statement, Gaga said she made the song and video “at a dark time in my life,” following her own sexual assault, and called her thinking around its production “explicitly twisted.” She apologized for working with Kelly and said she will remove the song from iTunes and other streaming platforms.

“I can’t go back, but I can go forward and continue to support women, men, and people of all sexual identities, and of all races, who are victims of sexual assault,” Gaga wrote in the statement. She continued, “I’m sorry, both for my poor judgment when I was young, and for not speaking out sooner. I love you.”


Entertainment – TIME

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These 5 Art Majors Found Fulfilling Work in Creative Fields. You Can Too

The image of a struggling artist is one we’re all familiar with — and while it can be challenging for artists to find steady work, many artists enjoy job stability in a role in which they can express their creativity.

People who get a degree in fine arts go on to fill a wide range of professional roles, from illustrators and video game artists to interior decorators and graphic designers. We spoke with several creative graduates to learn what unique roles they’ve achieved with their art degrees.

Pet Photographer

Grace Chon earned her Master of Fine Art in advertising and design from the Academy of Art University in San Francisco. For several years, Chon worked in advertising. And while the business can be a rewarding and lucrative career for art majors, Chon wasn’t feeling it. She was frequently stressed by her job, so she turned to photography as a creative outlet.

I started taking headshots of homeless dogs to help get them adopted, and it quickly evolved into a side-hustle pet-photography business,” Chon says. “I worked nights and weekends until nine months later, I quit my day job to be an animal photographer.”

Chon has been running her pet photography business for 10 years now. She has shot ad campaigns, been featured in magazines, photographed celebs and their pets and published two books, including her recently published “Puppy Styled: Japanese Dog Grooming — Before & After.”

Chon loves that she gets to use her degree every day to make art with animals, and it’s been quite rewarding for her financially. “With my income (and my husband’s combined), we’ve been able to purchase a home in Los Angeles and renovate it.”

Wedding Photographer

Art majors can take photos of more than just pets. Lexia Frank, for example, has made a living from her role as a luxury and destination wedding photographer after earning her degree in fine art from the University of Wisconsin. “Much to my father’s dismay,” she added.

Frank’s father hoped she would pursue a career in medicine or science, but her passion for art motivated her to ignore her father’s wishes, earn a degree and launch a successful photography business.

“Now, 11 years in, I have built this business I’m incredibly proud of,” Frank says. “I am part art director, part photographer, part stylist, part social media expert, part marketer and advertiser. I do all my own design for marketing materials, website and any printed collateral. I utilize my art-history background as well as my dance background to pose my clients and models. I utilize everything I learned with my art degree in my day-to-day operations even though there was never a class that was on how to run a photography business.”

And sure, she might not make a doctor’s salary as her father had wished, but according to Frank, she does quite well. “The pay is good, and the perks are great: I’ve traveled to Egypt (twice!), Jamaica, Mexico, Puerto Rico, Italy, you name it.”

Frank has also expanded her business to teach photographers through mentorships and internships.

Art Therapist

Rachel Brandoff’s art degree took her on a route much different from photography. While she originally pursued careers in web design, teaching and mural painting and did her own painting on the side, Brandoff eventually discovered the career of art therapy.

Art therapists encourage clients to create art to express their feelings, improve social skills, resolve conflict and foster self-esteem. “I love working with clients and helping them to discover and engage their creativity in the service of problem-solving, personal expression, facilitating communication and raising self-awareness and esteem,” Brandoff says.

Art therapy does require additional education. Brandoff got her master’s degree in art therapy from Lesley University in Cambridge, Mass., after originally getting a bachelor’s degree in studio art from the University of Maryland, College Park. Starting salaries for art therapists in the New York City area, where Brandoff once practiced, range from $ 45,000 to $ 75,000 annually.

Brandoff now serves as an assistant professor specializing in art therapy at Thomas Jefferson University in Philadelphia and has been featured on The Late Show with Stephen Colbert.

Studio Owner and Teacher

Young girls work on oil paintings in an art class.

Diana Stelin, who has a Bachelor of Fine Arts in painting from Cornell University in Ithaca, N.Y., and a master’s degree from Boston University, said she spent seven years managing an art gallery chain and bringing home six figures. (Still think pursuing an art degree will lead you nowhere?)

But after starting a family, Stelin looked for something a little less stressful. She now owns her own art studio in Boston offering classes to children and adults.

I set my own hours, enjoy a balance between a rewarding job where I influence kids and adults alike and have time to develop my art career,” Stelin says. “I earn what any teacher earns”— in the $ 80,000 range for Boston — “and have lots of plans for online expansion and have been earning a steady supplemental income from my art sales and the talks I give in corporations.”

Even if you don’t have the desire to manage and open your own studio, you can still make money as an art teacher. And as Stelin mentioned, the beauty of having an art background is that you can make good money on the side through your own art sales or through freelance work.

Published Author and Senior Editor

A woman sits on a couch in an office.

Rain Turner has led an unconventional career for an art major. “In spite of my mother’s advice, I pursued a fine arts degree, with a plan of becoming an art teacher,” she says. “But life has a funny way of working out, and nearly 20 years later I’m a senior editor at The Penny Hoarder and author of two books on creating fashion and art.”

Of course, writing and editing require skills outside of the art realm that Turner had spent years honing, but her knowledge of art and fashion played a pivotal role in her path to authorship and editing.

“My fine-art studies gave me the knowledge of color theory, composition and craftsmanship that I would use to write about art and fashion. During college, I created clothing and sold to local boutiques. I took extensive notes on my creations, which I then shared with About.com in 2007 when I auditioned as freelance host of their DIY Fashion vertical.”

Turner earned that gig with About.com and for eight years, established herself as a DIY fashion expert online. While sharpening her editing, photography and writing skills that the job demanded, Turner published her first book, “The Complete Guide to Customizing Your Clothes,” after Quarto Publishing noticed her work online. Turner went on to work as creative director for a marketing agency, published a second book, “String Art Magic,” and eventually landed a role at The Penny Hoarder.

“Through my writing career, I guess I did end up teaching art after all,” Turner reflected. “My books and articles teach how to make things… My art degree taught me how to fail, change things up, find my skills and push forward. If I hadn’t pursued art, I wouldn’t have a career in media.”

Still not sure what to do with your art degree? There are dozens of careers to explore, from fashion designer to printmaker to advertising specialist to museum curator. The jobs for art majors are incredibly diverse — you simply can’t paint them all with the same brush.

Timothy Moore is a market-research editor and freelance writer covering topics on personal finance, careers, education, pet care and the automotive industry. He has worked in the field since 2012 and has been featured on sites like The Penny Hoarder, Debt.com, Ladders, Glassdoor and The News Wheel.

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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Want to Start a Side Hustle? These 10 Tips Will Help Set You Up for Success

Side hustles can be a great way to supplement your income or satisfy your entrepreneurial spirit. Who knows — having one might someday lead to a more fulfilling job opportunity.

Experienced side hustlers will tell you there’s a lot you can do in the beginning to build a solid foundation for your gig. So if you’re thinking about taking on a new venture, here are 10 tips on how to start a side hustle that will help you avoid future headaches.

Find Out How Much Side Hustle Time You Have Available

McKinzie Bean, creator of the

When juggling a day job and starting a side hustle, time is precious. McKinzie Bean is the operator of Moms Make Cents, a website aimed at helping moms build their own businesses.

She advises people to document their normal routines for one week before starting their side gig so they can see how much time during the evenings and weekends they spend doing things like cooking dinner, watching Netflix, doing chores, etc. Bean recommends using time tracking smartphone apps like Toggl when offline and Google Chrome extensions to monitor time spent on the internet.

You can see how much time you really have for a side hustle once you cut unproductive activities from your schedule.

“In your first year, you do have to dedicate a lot of time to your side hustle,” Bean says. “Just see which pieces you’re willing to give up because it is going to take some sacrifice to get to that point where your business is growing.”

Research if the Side Gig Is Worth Doing

Now that you know how much free time you have available, consider whether it’s feasible to add a side gig on top of a regular job.

Alex Tran is a full-time digital marketing strategist who operates five separate side hustles, including teaching yoga and reviewing activewear.  She recommends searching Google and YouTube to see if there’s a need for your side hustle and to determine how time-consuming it can be. During your research, see if other people are doing something similar and ask if they are willing to offer their advice.

“Say, ‘Hey, I work full time right now, but is it possible that I could just do this maybe six hours a week?’” she advises. If they respond, they may tell you how much of a financial and time commitment it will be to get your business off the ground.

Find Out Whether You Need to Inform Your Current Employer

One thing to consider before starting a side hustle is determining whether the gig will interfere with your day job. Every company is different, and some may have strict guidelines on what employees can do outside of work, Bean warns.

Do yourself a favor and dust off the employee handbook to see if there are any rules against side jobs. The last thing you need is to lose your primary source of income because you forgot to tell your boss about your budding side gig.

Set Some Office Hours

When Bean and her husband started working on their website 2 1/2 years ago, they set a schedule to keep them on track during the evenings. For example, she’d work for an hour on the site after her husband got home, then he’d take over after dinner. She says having a schedule in place was critical for them.

Also included in their schedule was at least one social or family activity per week to avoid burnout. “There was always one piece in the week that we could look forward to,” Bean says. “A few hours where we could recharge and be rejuvenated.”

Open Separate Business Accounts

Trish McDermott poses with baby gear in front of the trunk of her car

It’s never too early to start thinking about tax season. Trish McDermott is a longtime side hustler and co-founder of BabyQuip, a baby gear rental service for traveling parents. She tells people to open a bank account and credit card dedicated solely for their business.

Doing this provides you with a true-to-life snapshot of the financial results of your side hustle. “That snapshot is really difficult to see if you’re commingling your personal transactions with your side hustle,” she says.

By having all your side hustle income and expenses in one place, you can see trends and other relevant information to improve your business. Plus, she says, your accountant will appreciate it when it’s tax time.

Develop an Organization System for Your Paperwork

Instead of throwing all your receipts into a shoebox, consider setting up a digital filing system. “As a side hustler, you have to maximize your time,” Bean says.

Most of her receipts and invoices are sent via email because she runs an online business. To save time, Bean uses free basic automation software, such as If This Then That (IFTTT), to automatically save her receipts into a Google Drive folder.

For physical receipts, she takes photo backups using the smartphone app CamScanner. That way everything is saved on her phone or computer, ready to go for tax season.

Design Templates to Work Smarter

Tran encourages people to set up a task workflow in the early days of their side gig. For example, if your side business is in copywriting or involves creating a lot of documents, she encourages people to design templates.

“Have a system down so you can streamline it when you start to scale your business.” These templates can have the basic format laid out so all you need to do is change out the unique details. That way, you’re not starting from scratch on every project.  

Find Industry-Specific Groups

McDermott says there are many industry-specific groups and communities available on social media for side hustlers. In these LinkedIn and Facebook groups, you can learn from other professionals working in your field as they share advice. McDermott recently discovered a Facebook group for freelance social media managers and was blown away by the information and resources they were sharing among themselves.

“Those kind of connections nowadays are so easy to find, and so fruitful,” she says.

Create a Productive Home Environment

Your home office needs to have minimal distractions. Two ways to ensure this include following a set work schedule and having everything you need in the office, McDermott says.

By following the same work schedule, your family, neighbors and others know not to bother you during designated times. Plus, if you have everything you need at your disposal, you don’t need to leave the room.

“Having the tools you need to do your work available in the space you’re doing it prevents you from wandering around the house and deciding that you should start the dishwasher,” she says.

Don’t Wait for Perfection — Just Go For It!

Whether it’s posting on social media, launching a website or starting a company, McDermott encourages aspiring side hustlers and entrepreneurs not to get paralyzed by perfection, which can get in the way of execution. Her outlook is to do it the best you can and fix what doesn’t work as you progress.

“There’s no company on the face of the planet that has gotten it all right all the time,” she says.

In her opinion, the rewards are more significant for entrepreneurs who take risks and are willing to bring their energy and passion to whatever they do.

“You just can’t wait around to be perfect,” she says. “Someone else will take the idea and run [with it]. Just go!”

Matt Reinstetle is a staff writer at The Penny Hoarder. He covers side hustles and the gig economy. If you have a side gig story idea, message him on Twitter @MattReinstetle.

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 are the jobs that get the most swipes right on dating sites

Apparently.

relationship challenge, she's all that

Dating isn’t exactly a walk in the park these days. We’re getting all too used to cushioning, ghosting, stashing and sneating, and the dating trends of 2019 don’t exactly offer a glimmer of hope, either.

And if you’re using an app to find the cherry to your bakewell, you’ll know how quickly you make your mind up about someone. Based on a bunch of pictures and a bio, we make assumptions and judgements in a matter of seconds. Enjoys brunches, lazy Sundays, and has a cute dog? Instant swipe right.

But there’s another thing we’re judging when flicking through the books for a potential partner. Apparently, their job plays an important role. When separating the wheat from the chaff so to speak, we’re reportedly drawn to some careers more than others.

According to a new survey from Badoo, the most attractive job for men is a chef and for women, a hairdresser. Participants were aged between 18 and 30, and appear to prefer more hands-on professions.

Most desirable jobs for men:

  1. Chef
  2. Engineer
  3. Entrepreneur
  4. Marketing
  5. Artist

Most desirable jobs for women:

  1. Hairdresser
  2. Nurse
  3. Lawyer
  4. Entrepreneur
  5. Teacher

It’s a different story if you talk to the masterminds over at Tinder, however. Their recent study showed that the top job for men was a pilot, and the top job for women was a physical therapist.

Just to confuse you even more, data collected from Match.com also doesn’t quite relate to its competitors, with the website claiming that the most desirable men are doctors, and women are freelancers.

So there you go.

The post These are the jobs that get the most swipes right on dating sites appeared first on Marie Claire.

Marie Claire

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The Holiday’s Over… Er, Not for These Sun-Soaked Celebrities

Photo Illustration by The Daily Beast

A new year brings time for pause and reflection—plus the chance to follow celebrities on their jaunts to locations that are inevitably much warmer and more glamorous than wherever you are.

While many of us wasted our Jan. 1 ordering takeout and mindlessly refreshing Instagram, tabloid photographers were hard at work catching glimpses of stars frolicking on sandy beaches or selfie-ing aboard private yachts, with the emphasis on photographing as much (mostly female) flesh as possible.

The time-honored tradition of stalking celebrity getaways is crystallized by headlines like the Daily Mail’s, “Molly Sims shows off her jaw-dropping physique in racy clashing swimsuit during fun-filled family day at the beach in St Barts.” (Sims, like most insiders on the French Caribbean island, would probably spell it St Barth’s.)

Read more at The Daily Beast.

The Daily Beast — Fashion

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These Are Scientifically The Best Fits

In his 1990 book Eminently Suitable, Bruce Boyer has this line that I love: “wearing clothes is still something of an art — it has not descended to one of the sciences.” Well, eat it, Bruce Boyer, cause a StyleForum member just found the scientifically best fits of 2018.

OK, it’s not totally scientific, but it’s at least democratic. Allen, who goes by Baltimoron on StyleForum, is in the final stretch of a PhD program where he studies brains. His work involves a fair bit of computer programming and data analysis, and with a bit of free time over the holidays, he downloaded and reviewed the best outfits of 2018, as voted on StyleForum. For those not on the forum, StyleForum has a feature where other members can “thumb” a post, which basically provides that poster with positive feedback. And while it’s not always about the outfits themselves (sometimes a user will get thumbs cause the photo is funny or if they’re just a popular member on the board), generally speaking, the best outfits will climb higher in terms of thumb count.

Compiling that data, however, isn’t simple. “The process is often called web scraping,” Allen explains. “I wrote a script that basically ‘reads” information on a webpage and stores the parts I want in a table. On StyleForum, each post has information about the user who submitted it, where it sits in a thread, and the number of thumbs other users gave it. I pull all this information and sort it based on the number of thumbs in order to determine the top 100 posts. My script then downloads the images associated with those posts.”

Allen’s breakdown follows the two big organizational categories you’ll find on StyleForum — there are the top outfits for “streetwear and denim” (which is basically StyleForum’s term for casualwear) and “classic menswear” (which is mostly about classic tailoring). Allen also created a category for best posters who crossed the divide. Dedicated Put This On readers will see some familiar faces from our weekly PTOman Instagram roundups, including Peter in San Francisco, Andy from San Jose, and Charlie from Acton, Australia.

Scrolling through photos like this can be a great way to develop your sense of taste and give you a broader appreciation for aesthetics that may not be your own. Guys who are just starting out will often follow a matryoshka of “rules”, which extend to the minutest of details, but once you get past the basics of how to dress reasonably well, style is often intuitive. David Isle once wrote: “Among art dealers, The Eye is that unteachable and irrevocable power to discern art from trash, real from fake, inspired from derivative. It is the capacity to appreciate something that you have not already been taught that you must appreciate. The legend of The Eye would have it that this talent cannot be learned. But I believe that attention and exposure to a wide variety of interesting objects is what sharpens The Eye.”

“One of the reasons that I started compiling these year-end summaries is to archive the contributions of older posters,” says Allen. “The StyleForum community has seen its share of turnover across the years. Many of the users that I looked up to when I joined have moved on from the forum or have migrated to other platforms. The other reason was to provide an accessible resource for new users. Styleforum can be a bit overwhelming at first because there’s so much depth and the main threads can move quickly. My hope is that these summaries show new users that the SF community is home to a wide variety of styles and that it will encourage them to contribute.”

Some of Allen’s favorite outfits from last year include gray herringbone overcoat and chunky cream-colored turtleneck sweater seen on penanceroyaltea (“He has a great eye for color and drape, and mixes a lot of different brands together”) and this similarly long coat worn over tailoring by urbancomposition (“I’m impressed by how well he executes both casual and formal outfits. People that can do both to that degree as rare, so I’m happy to see him appear in both albums.”). You can see Allen’s original thread summary for 2018 here, his roundup of 2017’s best outfits, and a similar compilation posted on Reddit back in 2015. Below are some of my favorite photos pulled from last year’s albums.

 

The post These Are Scientifically The Best Fits appeared first on Put This On.

Put This On

FASHION UPDATE:

Authors shared a lot of book recommendations with us in 2018—so add these to your reading list

Authors shared a lot of book recommendations with us in 2018—so add these to your reading list


Authors shared a lot of book recommendations with us in 2018—so add these to your reading list

As HelloGiggles’ Contributing Books Editor, one of the many joys of my job is interviewing authors. They’re incredibly giving of their time and always share sharp, thoughtful perspectives about how their stories fit into the bigger picture, whether it’s working in President Obama’s White House or navigating a post-#MeToo world.

Earlier this year, I asked authors to share the book that changed their life, and their responses were incredibly moving. Since then, when time permits, I began ending our chats with the same question: What’s your favorite book that you’ve read lately?

The key word in that question is “lately.” It’s extremely difficult for some people to choose one ultimate favorite book of all time, especially when they’re put on the spot. But everybody has a book (or two, or three) that they can’t get off their mind right now. And, just as I suspected, those are the books authors loved talking about. Most of them had a difficult time choosing just one, which I relate to on a spiritual level.

If you’re looking for a new read, pick up one of these author-approved books:

Jessica Knoll, author of The Favorite Sister

Recommendation: I’ll Be Gone in the Dark by Michelle McNamara

Picture of I'll Be Gone in the Dark Book
Harper
available at Amazon | $ 18.21

“Michelle McNamara’s I’ll Be Gone in the Dark. I just loved that. It was the first time in a while that I had read something about a horrific crime, but there was still so much compassion in how she wrote. I found that to be such a refreshing combination. It really made me think, as a writer, about the kind of writer that I want to be. I love books that simultaneously entertain me and inspire me to be better.”

Ellie Kemper, author of My Squirrel Days

Recommendations: You Think It, I’ll Say It: Stories by Curtis Sittenfeld; Blue Nights by Joan Didion

Random House
available at Amazon | $ 15.35

“A collection of stories by Curtis Sittenfeld, You Think It, I’ll Say It. She’s crazy. The book is so good. I love everything by her. I went back and read Prep recently, and she’s an incredible writer. Her characters are so…I don’t know how to describe them other than alive. They’re just people I know, and I’m sure you know. That’s probably my favorite book that I’ve read lately.”

Knopf
available at Amazon | $ 10.20

“I’m also just going to throw out, a few weeks ago, it’s a very sad, tough read, but I reread Blue Nights by Joan Didion. That’s a hard one, right? That’s a hard one.”

Eva Chen, author of Juno Valentine and the Magical Shoes

Recommendation: Spinning Silver by Naomi Novik

Del Rey
available at Amazon | $ 18.78

Spinning Silver by Naomi Novik. It’s a re-telling of the Rumpelstiltskin fairy tale, and it’s really good. Any time something’s a re-telling, I’m here for it. It’s really, really good, and it’s really well-written. She created nice complex characters. There’s a Hunger Games-esque quality to the writing. It feels austere, almost. It has that tone of writing that’s sparse and raw. Support women authors!”

Dessa, author of My Own Devices: True Stories from the Road on Music, Science, and Senseless Love

Recommendations: Gulp by Mary Roach; Grief is the Thing with Feathers by Max Porter; Kitchen Confidential by Anthony Bourdain

W. W. Norton & Company
available at Amazon | $ 3.98

Gulp by Mary Roach.”

Graywolf Press
available at Amazon | $ 10.91

“I’m still sort of deciding what my final review of it is, but I really liked reading the short novel Grief is the Thing with Feathers by Max Porter, because it’s such a different way of using language than I know how to use language, and it made me want to figure out how to work in that lane a little bit.”

Ecco / Harper Perennial
available at Amazon | $ 10.39

“Oh, and one more: Kitchen Confidential by Anthony Bourdain. Aw, man.”

Erin Gibson, author of Feminasty: The Complicated Woman’s Guide to Surviving the Patriarchy Without Drinking Herself to Death

Recommendations: America’s Women by Gail Collins; everything by Roxane Gay; Eleanor Roosevelt: In Her Words edited by Nancy Woloch; Backlash by Susan Faludi; White Trash by Nancy Isenberg; Brazen by Pénélope Bagieu; Bitch Planet by Kelly Sue DeConnick and Valentine De Landro; The Handmaid’s Tale by Margaret Atwood; everything by Samantha Irby; The Spy Who Loved by Clare Mulley

William Morrow Paperbacks
available at Amazon | $ 15.99

“I love Gail Collins. She’s a New York Times journalist. She wrote a book called America’s Women: 400 Years of Dolls, Drudges, Helpmates, and Heroines. It’s the feminist history book you never had. It’s a book you cannot put down. It’s so jam packed with information, and you just can’t believe you don’t know this stuff. She has a whole thing about how pioneer women basically built San Francisco. Because when the gold rush happened, there was no one to cook for the men. So women would come out, set up shop, and make tons of money. They were business owners and had autonomy and control of their finances for the first time. Stuff like that. I mean, Bear Grylls would look like Tom Brokaw compared to these pioneer women. That’s not even a good analogy. But these women would like, crawl up mountains while giving birth. Their skirts would catch on fire all the time. The shit that they went through was insane. So you’re reading this, and [Collins is] just giving you all of it. It’s the most fascinating book I’ve ever read.”

Picture of Hunger Book
HarperCollins
available at Amazon | $ 12.73

“Of course, all of Roxane Gay’s books. She’s necessary reading.”

Black Dog & Leventhal
available at Amazon | $ 13.59

“I just read In Her Words, the Eleanor Roosevelt book. That was uplifting, and also so sad to see this woman with this knowledge and access to power whom, if she had been given the chance…god, the things she could have done.”

Broadway Books
available at Amazon | $ 13.68

“You should read Susan Faludi’s Backlash. That’s super necessary feminist reading.”

Viking
available at Amazon | $ 11.35

“I also like this book called White Trash. It’s about America’s history of poverty and how it explains a lot of what’s happening today. But because it’s written by a woman — it’s written by Nancy Isenberg — it has a feminist slant to it. It’s fantastic.”

First Second
available at Amazon | $ 12.23

“Oh, and Brazen: Rebel Ladies Who Rocked the World by Pénélope Bagieu. It’s a graphic novel of incredible women. It’s gorgeous and informative and great. And it’s a great book for a teen, or an adult who likes graphic novels like me.”

Image Comics
available at Amazon | $ 9.99

“Also Bitch Planet. It’s a graphic novel that’s The Handmaid’s Tale of space. That’s great.”

Anchor
available at Amazon | $ 12.48

“And of course, The Handmaid’s Tale. Read Margaret Atwood. And not just The Handmaid’s Tale. She’s written tons of other books that are thematically similar and just as depressing.”

Vintage
available at Amazon | $ 10.84

“Also, Samantha Irby. Her books…I don’t know what to say about her books. I have a really loud laugh, and when something tickles me and gets me really hard, I laugh really loudly. And I do it like, every other page with her.”

St. Martin’s Press
available at Amazon | $ 17.24

“Can I tell you one more book? It’s called The Spy Who Loved: The Secrets and Lives of Christine Granville. She was Britain’s first special agent in World War II. And because they couldn’t acknowledge that she was a special agent, they couldn’t rescue her. The shit that you learn about female spies during World War II is insane. And that’s another thing. Women participated in war, and their stories are absolutely eradicated. There are very few books about how women participated in so many ways.”

Maggy van Eijk, author of How Not to Fall Apart: Lessons Learned on the Road from Self-Harm to Self-Care

Recommendation: The Unbearable Lightness of Being by Milan Kundera

Harper Perennial
available at Amazon | $ 15.29

“I did finally get around to reading The Unbearable Lightness of Being, and I’m so glad I did. It’s so beautiful and, whilst so far off from my own world, there were passages that made me gasp in terms of how real they felt to me—the feeling of dissociation, love, passion, and jealousy. Would 100% recommend.”

Tara Isabella Burton, author of Social Creature

Recommendations: My Year of Rest and Relaxation by Ottessa Moshfegh; The Group by Mary McCarthy; The Mere Wife by Maria Dahvana Headley

Penguin Press
available at Amazon | $ 17.68

“I just read My Year of Rest and Relaxation by Ottessa Moshfegh. I loved it so much.”

Mariner Books
available at Amazon | $ 14.48

“I also just read Mary McCarthy’s The Group, which I think is massively underrated.”

MCD
available at Amazon | $ 18.36

“And Maria Dahvana Headley’s The Mere Wife, which is a modern feminist retelling of Beowulf. It’s just so beautifully written.”

Keiko Agena, author of No Mistakes: A Perfect Workbook for Imperfect Artists

Recommendation: The Little Book of Life Hacks by Yumi Sakugawa

St. Martin’s Griffin
available at Amazon | $ 13.59

“Yumi Sakugawa came out with a book called The Little Book of Life Hacks, and it’s just so adorable. She’s such a gem. That kind of artwork and that kind of lightness and that kind of spiritually is helpful, especially during stressful times.”

The post Authors shared a lot of book recommendations with us in 2018—so add these to your reading list appeared first on HelloGiggles.

HelloGiggles

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These two Democratic senators are waging a bigoted campaign against Catholics

Funny who is an “extremist” these days. Senators Kamala Harris and Mazie Hirono (Democrats of California and Hawaii, respectively) are challenging the nomination of Brian Buescher to the US District Court for Nebraska because he belongs to a religious organization that takes positions they describe as “extreme.” Which organization? The Knights of Columbus. KOC, a…
Opinion | New York Post

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Real Estate Experts Say to Watch These 15 Markets in 2019

Let’s call 2019 the Year of Transition. While experts hesitate to call it a buyer’s market, parts of the country are heading in that direction. We’ve crunched data from industry insiders, including Zillow, Realtor.com, and Trulia, to find out which cities offer the best deals for home buyers.
Bob Vila : Trusted Home Renovation & Repair Expert

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These crazy new facials are not for your basic friends

Old-school facials focus on deep cleaning the pores and preventing wrinkles, or erasing the ones you already have. But there’s a new kind of facial in town that aims to plump and tone the skin, while simultaneously relieving stress. “It’s kind of like when all the endorphins are flowing after a great workout,” says Rachel…
Fashion News, Photos, and Video | New York Post

SHOE DEAL UPDATE:

Why pay $50 for Philips Hue’s smart LED bulbs when these $17 bulbs are just as good?

Smart LED Light Bulbs

I have Philips Hue smart LED lighting all throughout my home and I love it. To be honest though, every time I expand my setup and add new bulbs in new places, I kick myself a little for having committed to such an expensive solution. If you want to add smart lighting features to your home but you don’t want to spend $ 50 a bulb, we’ve got just the thing. MagicLight WiFi Smart Light Bulbs cost just $ 17 each and they have all the best features from Philips Hue bulbs, including support for voice commands with Alexa and Google Assistant.

MagicLight WiFi Smart Light Bulb, Dimmable, Multicolor, Wake-Up Lights, No Hub Required, Magic…: $ 16.95

Here’s more info from the product page:

  • ✔ Compatible with Alexa & Google Assistant: Voice Control your MagicLight WiFi light bulb with your Amazon Echo or Echo Dot and Google Home Assistant
  • ✔ Works with IFTTT: DIY Your WiFi Light Bulb Depending on Various Events by Connecting it to IFTTT
  • ✔ Works with iOS/Android: Personalize Your WiFI Smart Lights to Match Your Mood, Control Your Smart WiFi Lights Bulb Remotely When You are not at Home
  • ✔ Various Scene Modes: Color Palette, Group Control, Sunlight, Music Mode, Timer, Sunrise, Sunset, Dimmable, MIC Function, DIY Mode, Scene Mode, Energy Saving……
  • ✔ Application: This is a WiFi enabled light bulb, no hub required. Multiple lighting patterns, suitable for a showcase, residential, office, hotel, shop, exhibition room, landscaping, indoor, home etc.

BGR Top Deals:

  1. This $ 80 smartwatch is better than an Apple Watch Series 4 in four important ways
  2. The best-selling Instant Pot cooker is discounted today in all three sizes

Trending Right Now:

  1. Uranus was slammed by an object twice the size of Earth
  2. Apollo astronaut thinks sending humans to Mars is ‘almost ridiculous’
  3. A hot new Android phone you can’t buy just set a Guinness World record

Why pay $ 50 for Philips Hue’s smart LED bulbs when these $ 17 bulbs are just as good? originally appeared on BGR.com on Wed, 26 Dec 2018 at 07:46:02 EDT. Please see our terms for use of feeds.


BGR

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Ho, Ho, Ho! This Christmas, Phaedra Parks Wants You To Keep Your Peach ‘Sweet & Fresh’ With These Products

Atlanta Junket For The New Warner Bros. Movie EVERYTHING, EVERYTHING

Source: Paras Griffin / Getty

It’s no secret that Phaedra Parks is the queen of side hustles. Not only is she a lawyer and a mortician, but she is now dabbling in the feminine products game.

Enter: My Healthy Peach.

According to TMZ, the former Real Housewives of Atlanta co-star is collaborating with Tatianna Knights RN, BSN, a labor and delivery nurse, for a new line to help women have “a nice juicy fresh peach and a sweet peach.”

“I am introducing a new product line. You know I’m known for my ‘badookadonk,’ but my new product line has to do something about…with your vagina,” Phaedra said during a recent gathering of friends at her Atlanta home for a “Ladies Night Out” event.

“So my new product line ‘The Healthy Peach,’ is about not having a tart peach,” the mother of two said. “I want the peaches to be sweet and fresh.”

“My Healthy Peach will make you juicy and sweet.

The line, which is free of sulfates, parabens and most harsh chemicals, seems to be doing well. According to the company’s website, the $ 12.50 box of wipes appear to be sold out.

In addition, it appears that Phaedra is making amends with her former cast mates, including Nene Leakes. Here’s a picture of her, Nene, Greg Leakes and Cynthia Bailey celebrating Nene’s birthday.

“#birthday#joy with @neneleakes @greggleakes@cynthiabailey10 @marlohampton@tammepha #reunited and it felt good 😜,” she wrote.

Instagram Photo

Instagram Photo

 

“We keep in touch and we talk,” Phaedra revealed on a recent episode of TV One’s Sister Circle. “Her husband is going through Cancer, so I’ve been trying to support her.”

Phaedra also hinted that she is open to returning to RHOA–if asked.

“And you know never say never, it’s a new year who knows,” she offered. “But like I tell people I’m an old-fashioned girl and I have five degrees as we all know. So I really don’t have to do anything I don’t want to. I have companies, and jobs and businesses.”

 

Instagram Photo

 

Guess only time will tell if she returns to the Bravo hit show AND if these wipes will continue to keep selling out.

 

Black America Web

ENTERTAINMENT UPDATE:

These 6 Tips Can Help You Move From From Part-Time to Full-Time Employee

Wishing for more from your part-time or seasonal gig?

For workers who’d prefer to be full-time, the difference goes beyond a bigger paycheck.

Depending on the company, full-time employment can mean a benefits package that includes health insurance and paid time off along with the stability of a reliable schedule.

As of November 2018, more than 4.8 million part-time workers in the U.S. said they’d rather be working full time, according to the U.S. Bureau of Labor Statistics. That’s 2.9% of the labor force.

Although that group was nearly twice as large (9,233,000) in March 2010, the most recent figure is still larger than the pre-recession lows of 3,900,000 back in March 2006.

And that number doesn’t count “voluntary” part-time workers, which includes those who might otherwise want to be full time but have to cut back on work hours due to rising child care expenses or family caregiving costs.

But making the leap to full-time employee demands more than wishing. Read on for tips to turn your part-time gig into a more, ahem, full-filling career.

Going From Part-Time to Full-Time Work

 Emily Kapit poses for a portrait

Before rushing into your boss’s office to demand an increase in hours, consider what your goals are, advises career strategist Emily Kapit with ReFreshYourStep.com.

“Are you looking for a 40-hour-per-week job? Are you looking for simply more hours?” she asks. “Or are you looking for the full shebang, including benefits and everything?”

Preparation is essential, since asking for full-time status should be no different than negotiating a job offer or salary increase, Kapit says.

Here are six tips to arm you for the ask.

Know What Is the Difference Between Part Time and Full Time

Researching your company’s policies should be your first step, since the definition of part time and full time can vary by employer.

Although the U.S. Bureau of Labor Statistics identifies part-time employees as individuals working one to 34 hours per week, the Fair Labor Standards Act, the federal wage and hour law, doesn’t define full- or part-time employment.

That means one company’s full-time employee could work 40 hours, while another might consider anyone working more than 32 hours full time. And benefits associated with those classifications can vary, too.

Consult your human resources department, hiring manager or employee manual to help you understand your organization’s policy.

List Your Accomplishments

Now is not the time to be humble.

If you’re going to make the case to your boss that the company needs you more, you’ll need to present measurable accomplishments from your part-time tenure, according to Kapit.

“What have you done that has made a difference, that has been impactful, that would not have happened without you?” Kapit asks.

To simplify the process for identifying your achievements, she suggests answering three questions: What did you do? How did you do it? What was the outcome?

This method also applies to seasonal workers even if you’ve only been at the job for a few weeks.

“You have less time to prove yourself,” Kapit says. “But it’s also the nature of the job to have done a lot in a short amount of time.”

Make Your Boss’s Job Easier

Building a good relationship with your boss can help solidify your place on the team. One good way to do that is by volunteering to take on tasks that make your supervisor’s job easier, Kapit advises.

“If your manager knows they can depend on you and that you are being proactive and have foresight into what’s happening, that’s how you build a really strong relationship,” she says.

By changing your mindset so you no longer view the job as temporary, you’ll demonstrate why you deserve to be there full time, according to Scott Waletzke, head of enterprise recruitment strategy at Adecco Staffing USA.

“Set yourself apart and be that individual who is going to have that positive outlook or that positive attitude every single day when you come into work,” he says. “View that job as just an extended interview.”

Network With Those Who’ve Made the Leap

If you haven’t already, introduce yourself to other employees who have successfully made the leap from part time to full time, Kapit advises.

“Ask them for their insight, ask them for their support — especially if they had to have that same conversation with the same [supervisor],” she says.

Networking is a great way to garner support, but Kapit cautions that it only works as part of a bigger strategy.

“If you have built all the great relationships but have really not done anything, that’s really not going to be helpful,” she says. “The main game plan is do a great job because it’s all going to boil down to: How have you been impactful?”

Prepare to Negotiate

So when’s the best time to talk to your boss about your desire for full-time employment?

“There’s no time like the present,” Waletzke says. “No one’s going to know what you want out of that job unless you tell them what you’re looking for.”

And by going in prepared with your list of needs and accomplishments, you’ll be ready to confidently approach the negotiation as a discussion rather than a plea, Kapit says.

“That question, ‘What can we do?’ is very strategic,” she says. “It’s opening it up as a true dialogue between two people, as opposed to ‘I want this’ or ‘I’ll defer to you.’”

And don’t forget to think outside the box — or your current job at the company.

“If it’s not in your current role, perhaps there is another full-time position available in another department,” Kapit says. “This is particularly true for seasonal employees looking to make a post-holiday leap.”

Always Be Looking

Even armed with a list of accomplishments and an armada of advocates, your boss might say no to your request to become a full-time employee.

“Unfortunately, as an employee, you don’t necessarily always see behind the scenes,” says Waletzke, who notes there are any number of reasons a boss may decline, including budgetary reasons or hiring criteria restrictions.

If you’re a seasonal or temporary worker, Waletzke strongly recommends finishing the assignment, since your manager might provide a reference — or possibly a job in the future.

“Definitely stick it out and stay for the long haul, because you might even pick up some skills along the way,” he says.

By developing a professional, well-researched approach, you’re creating a guide for your ongoing career journey, Kapit stresses.

“Know that’s it’s not personal, and it’s just a matter of continuing your job search,” says Kapit. She adds that until you find a job that offers you the hours and pay you want, “You should always be looking.”

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder. Data journalist Alex Mahadevan contributed to this article.

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

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Sam's Club Membership Offer

When Needs Arise, These Older Women Have One Another’s Backs

NEW YORK — Like many women aging alone, Eileen Kobrin worried that an accident could compromise her independence.

Then, two years ago at age 71, the New Yorker fell while on vacation, breaking her left ankle, and her Caring Collaborative network sprang into action.

One member recommended an ankle surgeon at the nearby Hospital for Special Surgery, who operated successfully. Others brought over a wheelchair, a bath chair and an elevated toilet seat after Kobrin returned to her apartment with instructions to stay off her feet for several months.

Every day, someone would come with lunch or dinner, or just to keep Kobrin company. “It was a tremendous outpouring of support — one of the most wonderful experiences of my life,” she said.

The Caring Collaborative — an innovative program that originated a decade ago in New York City and has since spread to Philadelphia and San Francisco — brings older women together to help one another when short-term illness or disability strikes, addressing an all-too-often unmet need.

People who live alone, like most Caring Collaborative members, frequently worry about finding this kind of assistance. Across the U.S., 35 percent of women age 65 and older fall into this category. For women 75 and above, the number is even higher: 46 percent.

Once these women might have relied on nearby family, neighbors or churches for support. But today, families are dispersed, neighbors are often strangers, and churches reach fewer people than in the past.

The Caring Collaborative has three core elements: an information exchange, which members use to share information about medical conditions and medical providers; a service corps of women who volunteer to provide hands-on assistance to other members; and small neighborhood groups that meet monthly to talk about health topics and personal concerns. (Groups in San Francisco and Philadelphia have adopted some but not all of these components.)

In New York City, many members are retired professionals who want to make new friends and explore activities after leaving the workforce. They come to the Caring Collaborative through its parent organization, The Transition Network, a national organization for women 50 and older undergoing changes in later life.

Barbara Alpern, 72, current chair of New York City’s Caring Collaborative, joined four years ago after retiring from a demanding 28-year career in employee benefits consulting and becoming ill with a serious infection and complications from diabetes. Unmarried, she lives alone and had focused on work at the expense of friendship.

“I realized I had nobody I could easily count on,” she said.

Within months of signing up, Alpern sent out a request for somebody to pick her up from a colonoscopy and escort her back home. The woman who responded invited her for breakfast, and over bacon and eggs they discovered a mutual love for theater. Several get-togethers followed and “I made a friend,” Alpern said.

Naomi Goodhart, 64, who also lives alone, became a member three years ago after stepping down from a longtime position as a corporate executive assistant. “I’ve been a loner my entire life and have found making friends extremely difficult,” she told me in a phone conversation.

Since getting involved with the Caring Collaborative, Goodhart has formed a new neighborhood group in her area. (There are 16 in New York City and two under development.). Now, she describes herself as “the happiest I’ve ever been” because of a satisfying sense of purpose and the relationships she’s developed. “I need to feel needed,” she said.

A year ago, when Goodhart discovered she needed a breast biopsy after a mammogram, a woman she’d met through the Caring Collaborative volunteered to meet her at the hospital and bring her home after the procedure. “I’m very independent, but it was good that there was someone there,” she admitted.

Similar requests for someone to sit in on a doctor’s appointment, take care of a pet during an illness or visit during a hospitalization, for instance, are usually handled by members who have met and developed relationships with one another in neighborhood groups. Sometimes the requests are sent out to the entire membership — currently 385 women in New York City.

Marsha Carlin, 74, who belongs to a group in Brooklyn, recalled going to a doctor’s appointment with a woman who’d just gotten a diagnosis of breast cancer. “She wanted somebody to be there to take notes,” said Carlin, who is married but enjoys essential companionship through the Caring Collaborative. “It was very emotional.”

Members agree in writing not to reveal confidential information about one another, give medical advice or perform medical tasks such a bandaging a wound or giving someone medication. A two-hour orientation is required. Fundraising and an annual $ 100 membership fee for The Transition Network covers costs for the program, run almost entirely by volunteers. (In New York, a part-time employee handles requests for information and in-person assistance. People making the request remain anonymous until a personal connection is approved.)

Requests for information — Do you know a dermatologist who takes Medicare? Which home health agency or hospice would you recommend? Who’s your insurance agent? Which physical therapist do you use? Can someone who’s had breast cancer talk to me? What was your experience with knee surgery? — are by far the most common type of interchange among members.

Responding to emergencies is not part of the Caring Collaborative’s mission; instead, it recommends that people call 911. But one neighborhood group, on the Upper West Side of Manhattan, is thinking about starting a WhatsApp group for members who want to be in touch in these circumstances, said Linda Anstendig, 76, its facilitator.

Like many groups, hers is a source of regular solace. “People are really willing to share stories that show their vulnerabilities,” Anstendig said. “There’s a lot of trust, and it makes you feel that you’re not alone in dealing with all kinds of problems.”

Can the Caring Collaborative’s “mutual support in aging” program be replicated in other communities? Mimi Grinker, a consultant who two years ago started a similar initiative, Living Well Together at the Marlene Mayerson Jewish Community Center in Manhattan, is convinced it can, in whole or in part.

Senior centers, aging organizations, senior housing complexes and other community groups could implement the “information exchange” component at a minimum, she suggested. (The Caring Collaborative has created a guide to replicating its program, a bit out of date and available here.)

What’s required: reaching out to older women in your community, assessing their needs and interests, finding individuals willing to step up as volunteer leaders, and developing an orientation that establishes clear roles and responsibilities.

Barbara Strahura, 65, a longtime health care executive and prior chair of New York City’s Caring Collaborative, calls this “help insurance.” Unpaid. Informal. But essential. “You need to plan for it before you need it,” she said, and belonging to a group of this kind is one way to accomplish that.


KHN’s coverage of these topics is supported by
The Silver Century Foundation
,
The David and Lucile Packard Foundation
and
John A. Hartford Foundation

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Want to Make Bank After College? Don’t Pick One of These 11 Majors

We’ve already looked at the best college majors for all you undeclared freshmen out there. But what about the worst?

OK, so there’s really no such thing as “the worst” college major, and I have nothing against following your dreams. But six months after you graduate when that first student loan payment is due, you might feel a tinge of regret if you picked that major your parents scoffed at.

So, we looked at the median salaries for workers under 30 for 172 of the most common degrees to find the worst college major in terms of annual pay. We also considered how this pay has changed since 2013 to find majors that are getting even worse in terms of pay for recent graduates.

Pick one of these 11 majors at your own risk…

The 11 Worst College Majors for Recent Graduates

For this analysis, we dug into census data from 2017 and 2013 to find the college majors with the worst annual pay for recent graduates and the majors that have seen the biggest drop in median earnings over the past four years.

To make sure we were keeping everything consistent, we excluded folks with graduate degrees (that means you might still be able to make bank with one of these majors; it might just take an advanced degree). We also only included full-time, year-round workers.

We then looked at the jobs that the greatest percentage of graduates currently have, according to the American Community Survey. That way you get an idea of what types of occupations these graduates gravitate toward.

Still, you’ll see a lot of these degrees are what I would call “passion majors,” and our earnings data doesn’t include any side gig income that, say, a designer might make by selling T-shirt prints. Also, as you’ll see, a low-paying major isn’t necessarily a bad one — there are teachers, nurses, and social workers who are very important to our country with these degrees.

Here they are, arranged by median salary:

1. Industrial and organizational psychology

Median salary: $ 26,000

Change in earnings: -28%

A whopping 33% of those with a degree in industrial and organizational psychology are employed as a human resource worker. It makes sense, since this degree is pretty specialized for that field of work.

Graduates also became secretaries or administrative assistants, medical assistants or social service managers.

2. Composition and rhetoric

Woman writes in a notebook

Median salary: $ 30,000

Change in earnings: -22.7%

The greatest percentage of those who majored in composition and rhetoric do end up as writers, authors or editors (which likely explains the low pay ¯_(ツ)_/¯).

Other graduates include customer service representatives, retail supervisors and receptionists or information clerks.

3. Humanities

Median salary: $ 30,000

Change in earnings: -7.2%

This is a pretty general degree, and many graduates, around 10%, end up as elementary or middle school teachers right after college.

Teacher’s assistants and marketing or sales managers are also among the most common occupations for recently-graduated humanities majors.

4. Zoology

Median salary: $ 31,000

Change in earnings: -4.2%

I came really close to majoring in zoology before settling on music, and finally economics. Here’s why: More than 10% of all graduates currently work as veterinary assistants or take care of lab animals. Awww.

And nearly one-in-10 of all graduates are currently employed as “nonfarm animal caretakers.” Basically, zoo workers or those who work at aquariums.

5. Studio arts

Picture of woman painting a mural

Median salary: $ 34,000

Change in earnings: -11.4%

This was a tough list, emotionally, to put together. And it’s because of majors like studio arts. I lived and worked with artists all through college, so I know the passion that a degree in this field requires — but the pay just isn’t there for young graduates.

Roughly 13% of these grads end up as designers. Others end up as auditors, miscellaneous managers or retail supervisors. (Obviously, this doesn’t include side gigs these folks may run, like an Etsy store.

6. Linguistics

Median salary: $ 35,000

Change in earnings: -27.9%

Oddly enough, the largest percentage of young graduates with a linguistics degree actually end up as accountants or auditors. And the logic behind understanding the syntax of language also makes software development a popular field.

But, the majority are spread across other, low paying careers like paralegals or manufacturing sales representatives.

7. Music

Female Musiciasn Creating Music

Median salary: $ 36,000

Change in earnings: -4.6%

If I had remained a music major, I would have had a rough time financially right after graduating — and that’s coming from a journalist. I still play drums in my spare time and once taught percussion as a side gig, but I do think I ultimately made the right choice.

About 8% of new graduates start their careers as singers or musicians. The next most common occupations are miscellaneous managers, elementary or middle school teachers and waitress or waitresses.

8. Liberal arts

Median salary: $ 36,000

Change in earnings: -4.6%

Here’s another really general major that doesn’t pay off in the short term for new graduates. But that’s not to say it’s an unimportant or unnecessary degree — many graduates (around 10%) start out as elementary, middle or school teachers.

Others end up as customer service representatives, retail supervisors or teacher’s assistants.

9. General social sciences

Median salary: $ 36,000

Change in earnings: -4.6%

This is another general degree in which the greatest percentage of graduates end up as elementary or middle school teachers. And, in another instance of a low-paying major making a high impact, many other recent college graduates became social workers.

Those with this major also start out as retail salespeople, customer service representatives or office clerks.

10. Nutrition sciences

Median salary: $ 37,000

Change in earnings: -3.6%

More than one-in-six recent nutrition science graduates end up as dietitians or nutritionists, a nod to how specialized this degree is. But graduates are also employed as secretaries or administrative assistants, retail salespeople and personal care aides.

11. History

A man reads a book

Median salary: $ 38,000

Change in earnings: -2.1%

A plurality of history majors become elementary or middle school teachers, while the next big chunk become retail supervisors. Other recent graduates include customer service representatives, miscellaneous managers and secretaries or administrative assistants.

What if I Already Graduated With One of the Worst College Majors?

Don’t despair if you happen to have just graduated with one of these degrees. Personally, I wish I had majored in zoology rather than economics — I think I would be down to trade days of playing with numbers for days playing with red pandas.

But as you can see, these majors might make it difficult to pay back your student loans solely on your income in your first years in the workforce.

No-spend weeks might not make a huge dent in student loan debt, but they will help you be more conscious of frivolous spending.

It might not be the most popular option, but you could always move back in with your parents. Even something as simple as bringing your lunch to work four days a week can help pay down student loan debt.

Still, if you do happen to be a college freshman or high school senior reading this, you might want to check out this list instead — before you register for classes next semester.

Alex Mahadevan is a data journalist at The Penny Hoarder.  He was a music major for exactly two semesters in college.

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 Are the Best Deals on Nintendo Switch Ahead of Christmas

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The Nintendo Switch is one of the hottest items of the 2018 holiday season, and as such, there aren’t many Nintendo Switch deals happening right now. At least, there’s nothing approaching the excellence of the Black Friday Nintendo Switch Mario Kart bundle. That doesn’t mean there aren’t still some great chances to save, though.

We’ve scoured the internet to come up with the best deals on Nintendo Switch consoles and bundles, and if you’re after a new Nintendo Switch, the good news there’s still time to get one before Christmas.

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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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Maria Can’t Stop Wearing These Not-So-Wide Leg Jeans

Okay, so, remember when, almost exactly one year ago, I wanted to try this pair of big, baggy jeans? You probably don’t, but that’s totally fine. Turns out I did try them on and they did not look good. As much as I loved the wide silhouette and long length, I was swimming in these jeans — even …

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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.

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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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.

More about Gaming, Subscription Services, Subscription Box, Mashable Shopping, and Shopping Stackcommerce


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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…
Entertainment | New York Post

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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.

FANDOM

ENTERTAINMENT DEAL UPDATE:

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More about Gadgets, Toys, Black Friday, Mashable Shopping, and Shopping Stackcommerce


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ENTERTAINMENT DEAL UPDATE:

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.

The Penny Hoarder

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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.


The Penny Hoarder

BEST DEAL UPDATE:

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