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If Money Was No Object, Where Would You Travel and Why?

Moore Income
I am a lover of travel and a huge advocate for people having dreams and seeking to fulfill their dreams. That being said, I am curious to know where my fellow Penny Hoarders would travel if money wasn't something you had to worry about. What would be your dream trip/vacation and why would you choose that specifically? Time to do a little dreaming!Read More...
@Regeniu$ Definitely lots of great places to see and visit in Europe. I have had the pleasure of making a trip to Bulgaria, it was the only European country I have been too but quite beautiful in natural beauty, history and culture. There are quite a few other European countries still on my bucket list.Read More...
REGENIU$, that sounds like a great trip! I know many people who have been to the places you mentioned, and even had an Auschwitz survivor and his wife on my paper route when I was a child. It's always good to learn from people who were there, and that would be a very worthwhile use of monies saved. I look forward to one day hearing more from you, not just on Poland, etc., but also on finances and your goals.Read More...
Last Reply By Moore Income · First Unread Post
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Topics

Gambling

Thomas Teaver
What do do in a situation where you tried to gamble to make ends meet but ended up worse off than before.Read More...
If you are able to dissect why you are in such a tough place, maybe start with 1 thing you are able to change and hit it hard. It takes a lot of strength and discipline, and you can't quit. If you feel it is an insurmountable situation, you'll have to depend on someone else doing it for you. Do you have someone like that in your life?Read More...
It really depends on the kind of loss you are talking about.Read More...
Last Reply By mintjulep · First Unread Post

Suggestions for the best type of loan for home purchase

Cindy Tyson
We have lived in a rental house for almost 30 years. A couple of years ago the landlord offered us the opportunity to purchase the house at a price well below the value. The house is on 1.5 acres in a rural area. It qualifies for a USDA loan. So far so good, right? Here's the problem, many years ago a portion of the land was set up as a mobile home lot and the landlord rented the space. Several years ago someone rented the lot space and moved the mobile home to the land. When this person...Read More...
I wish I could offer some advice, but I am not knowledgeable about real estate/investments. But good luck, it must be a lovely area to want to remain after more than 30 years. (I miss living in the country!)Read More...
Last Reply By KellyFromKeene · First Unread Post

Should I purchase extended warranty?

Karen McEuen-Novak
I recently purchased a new 2019 Toyota Camry. I used my car as a trade in and paid the rest in cash so I have no car payment. Upon venturing into the finance manager office he naturally tried to sell me several different warranties. The new car came with a 2 year or 25,000 mile warranty. I declined all the warranties. I came home and did some research and uncovered that I can purchase the extended warranty any time before my current warranty is up. Funny how they don’t share that info with...Read More...
I have found a lot of this depends on how you drive and use your vehicle. If you are going to be putting a lot of miles on very quickly, I would probably invest in some of the extended warranties because you're going to be putting on miles faster than the allotted time. If you are sticking close to home, Id say you're probably fine with your current warranty. I do a lot of my own maintenance on my vehicle (03 Mazda 6). I found out that most of the parts I purchase, I can put a warranty on...Read More...
I didn’t purchase a warranty and s transmission cost me $4500, 2 months after the original warranty expired. The next truck, I purchased the warranty. So far I have used it for $2700. Half way through it’s time.Read More...
Last Reply By Gabby · First Unread Post

Deep, Dark Hole - No Hope in Sight

We have a serious issue I'm hoping for some help with. We are seriously delinquent on our electric bill. I've asked them for help but their only help is for us to pay $1500+ to get back on a payment plan, which isn't feasible with our current financial situation. I've contacted Social Services and was denied based on my income. I contacted our local 211 number and was given a couple of options (Catholic Charities, Salvation Army, etc) which I'm following up with but fear that I'll have the...Read More...
An elderly friend once confided in me about difficult times her family went through and how they thought they wouldn't make it. She said, "We're still here." I wrote that on the white board on the fridge as a reminder, and pass it onto you. It's great your sons are on board and you're facing this as a family. That shows maturity on their part. Our youngest once said, "It's good we were poor, it taught us to be more creative." There are character traits only developed from adversity, even...Read More...
Your sons may want to get some help from the state.Read More...
Last Reply By Olivia · First Unread Post

Suggestions for a low cost getaway

KellyFromKeene
I am looking for ideas for a less expensive getaway for a few days in the New England area. I know I can go do a Google search, but I wondered if any of you have traveled up here and had an experience that you would recommend. I DO NOT like to camp. I'll take any other ideas! TIA.Read More...
Thanks, everyone!Read More...
@KellyFromKeene Cape Cod is great up until around October. In Provincetown, there are tons of shops and art galleries and great restaurants, etc. The warmer months are even more fun for the beaches, kayaking and whale watching. I totally agree with @SicilianSarah about Portland. Ogunquit in Maine is a quaint little village on the water -- close to Portsmouth, NH. I also really enjoy Providence, RI. Mystic, CT is a beautiful little town full of things to do -- a great aquarium and cute little...Read More...
Last Reply By KellyFromKeene · First Unread Post

Car Buying Help

My daughter has been looking for a used car for a long time, but is being very picky about car type, mileage and how much she spends. She’ll be putting $10,000 down. How would she negotiate a price drop? How would she ask to take the car elsewhere to have to looked over by a mechanic? Anything else we need to know? Thanks!Read More...
Thanks!!! On Mon, Sep 9, 2019 at 6:19 AM The Penny Hoarder Community < [email protected]> wrote:Read More...
I accidentally discovered a great way to buy a NEW car. This could work for a used car if you could find cars that are more apples-to-apples. Pick 3 dealerships—best if it is during a slow time for car sales—at least one of them needs to be about a 2 or 3 hour drive. Call each dealership, get a salesperson, tell them what you have for a trade in OR down payment then communicate by text or email. Share each price quote with the others. I call it “Car Salesperson Hunger Games.” NOTE: You are...Read More...
Last Reply By LaMaretta Salley · First Unread Post

Hello new members!

Briana
Hello and welcome to the new Penny Hoarder Community! My name is Briana, a Social Media & Community Strategist at The Penny Hoarder. I'm in the process of paying off credit card debt and establishing a healthy relationship with my finances. I'm also saving for a long-awaited trip to Greece next year!Read More...
Welcome JOHN KINYUA! I hope you find this community useful and that we can help you reach your goals.Read More...
Hello Admin Briana, thank you for the welcome and introduction. My name is John, a new member of the community.i'm in the process of paying off an academic loan and establishing a healthy financial status. Hope to achieve my dream through this site.Read More...
Last Reply By AverageJoe · First Unread Post
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Christmas Gifting

Shannon H
September is upon us and the holidays are getting closer. I have started by preparations for gift giving this year.... I normally gift the male members items they use for grooming, socks or consumables (jerky, nuts, ect..)......... trying to thing outside the box for the male family members and could use some suggestions... ages 13, 27, 60Read More...
I always have a hard time buying gifts for the men in my life. I start a list whenever I hear someone mention something that they want or want to do, and get it (the list) out around next month. Maybe you will hear some great ideas from the men on here.Read More...
Last Reply By KellyFromKeene · First Unread Post

Today I Will Share my success story of clearing exam

Roland Herndon
When I had first given the CompTIA A+ demo test, I was determined to give my hundred percent. So I focussed on clearing the mock tests with the good score because if I score well here, I score well in the actual CompTIA A+ certification exam. This was my motto. Gradually, I started scoring well and the good score was not ephemeral because I had started understanding the nuances of the syllabus which ultimately helped me in staying on the path of success. I scored 86% in the exam at first...Read More...
Congratulations!!!! You will go far in your IT career with your determination and learning style. Taking a free demo and finding out what you need to study more. Years ago, I earned my Novel CNA and was a LAN technician. I knew I didn't feel like I was where I wanted to be but I was greatful for what I was learning. Eventuality, I became a Corporate Training Manager for a company that had a offices across the country and in the UK. Every times new software was being rolled out, I had to go...Read More...
Congratulations!Read More...
Last Reply By BethJ · First Unread Post

Newest member

Scotirish
This is awkward. I'm not sure how to start a new post or new topic. So I'll go back to here and start from scratch. Does anyone here have experience or knowledge about how to LEARN and study for a Series 6 license. I don't have a lot of questions about it because I don't know anything about it.Read More...
Check this out @ScotirishRead More...
@KellyFromKeene A definition from Investopedia's website: The Series 6 is a securities license entitling the holder to register as a company's representative and sell mutual funds, variable annuities and insurance.Read More...
Last Reply By Theodora · First Unread Post

Travel

Anthony Thomas
For those interested in traveling you should try Next Vacay! They provide a service of finding the most inexpensive flights to some of the worlds most desirable places. Be prepared though to sign up for an annual membership. The cost for it is $25 per year. Recently someone found a flight from Charlotte to Spain for $300 round trip. Great deals!Read More...
I have never heard of this but I am definitely gong to check it out. Thank you for the info.Read More...
I have been signed up for Next Vacay for a while now. They do provide great deals, unfortunately, most of the time it is not from Fargo, ND where I live but from Minneapolis (about 4 hours away). I have not yet found a deal I have taken advantage of but they do send them pretty frequently.Read More...
Last Reply By kittykat1960 · First Unread Post

Credit Card Limits

Sherian
I recently acquired a Chase Freedom credit card with a 1500 limit. When I logged on to make a payment which I do every week; I noticed the bank upped my spending limit to 2500. Is this normal? Can the banks increase or decrease the limit without notifying the card holder?Read More...
@redcarcec - those 'Congratulations' are truly designed to get you to spend more money.............Read More...
Hi Sherian, Yes, banks can do that-raise or lower-your credit card limit, but as previously stated, they usually send you notice of it to document the event. If they call to let you know, most people screen their calls and won't answer figuring it is anothe rcredit card account scammer. Congratulations, in a way, it could be a gimick to get you to spend more and only you can decide if you want that option. Best to you.Read More...
Last Reply By Shannon H · First Unread Post

Grocery receipts

Almeater Kennedy
Is anyone familiar with saving grocery receipts to earn points for gift cards ?Read More...
Ibotta has many any items on their app now as to allow you to get the brand you like. The amounts for any item are not as large as the ones for specific name brand items but all extra money is good in my book. Each receipts goes thru the following: First - Ibotta Second - Coin out Third - Fetch Fourth - Swagbucks and last: if I got specific item for SavingStar or Checkout 51 then I will add to that app....Read More...
I think I'll try out this Coin Out. I don't like Ibotta; it's too brand-specific as mentioned above.Read More...
Last Reply By Shannon H · First Unread Post

Credit Collections

JessiB
I'm new here but I have a question that maybe someone could possibly help me with. Several years ago I had an unfortunate accident on my job that ended my career due to the injury I was unable to return due to debilitating circumstances. At the time of my loss of employment I was unable to make the loan payments on my vehicle and surrendered it to the credit union that the loan was with. After which the credit union sold the vehicle at auction for less than I owed. It wasnt until 2 years...Read More...
Not sure about this answer, but I do know that often times debts that were forgiven or written off are often "sold" to third party collectors and usually it's several years after the fact. It may be those collectors who are contacting you. If it were me, I would contact the credit union directly and ask to speak to the loan or collections department and ask them the status of the loan. If it shows that way on your credit report, there's a good chance it was taken care of and the third party...Read More...
I wish I had an answer for you but I do not know! I'm hoping that someone else has some experience with this...?Read More...
Last Reply By tg · First Unread Post

Supporting community growth!

Briana
In order to continue to support our wonderful community and its growth, we wanted to give a heads up that we are now testing an ad-supported model. The reason we're testing this is to be able to invest more in the community by adding more features and providing even more ways for you all to connect with one another. Your experiences are a top priority and will continue to be. As we continue to enhance the community, we will keep the lines of communication open. We appreciate your loyalty and...Read More...
OK! Thanks for the heads up. I honestly likely would not have noticed, since ads are everywhere...Read More...
Last Reply By KellyFromKeene · First Unread Post

apps

Vicki Gary
I use two apps in particular that stay on your phone have used over a year they are MobileXpression and GiftLoop they are very good I've cashed out several timesRead More...
@Vicki Gary I am looking forward to trying this one I figure out what it wrong with my phone. This sounds great! Thank you so much.Read More...
Kimberly you just down load them on your phone and do nothing if you want but use lock screen or you can do surveys, download apps for points for Giftloop, for MobileXpression you just download on your phone check once a week to retrieve 5pts. weekly, once you get 30-50 points you can redeemed for a gift (however 1st 7 days you get a 5 dollar Amazon) great apps. Like I said I have used and continue to keep them on my phone so many time that 10 dollars gift card has come in handy. If you have...Read More...
Last Reply By MsKimberly · First Unread Post

How to Get High speed Internet?

Brian Coffey
There are many cable and fiber internet schemes but when you need a high speed internet service, then the Viasat Internet is the top priority. The plans are somewhat priced high at certain times but it is pretty good that the speeds they offer match with the prices. The lease is offered in two forms: Monthly lease and lifetime lease. The prices range from 9 US dollars to 299 US dollars and the installation process takes nearly two or three hoursRead More...

Have you ever had a pet with diabetes?

Deon Christie
I was rather surprised to learn that pets can also get diabetic. When I noticed my cat (Bast) started losing weight rather rapidly. And she seemed to be using the littler box a lot more urinating. Needless to say a visit to the vet was imminent. What I didn't expect at all was that Bast would be diabetic. Bast is now 16 in human years, which is around 70 in cat years. Making her a senior citizen. And as you can see, she's not in the mood for much this morning. Cats age around 25 human years...Read More...
I had a diabetic rat, and he did fine--lived to be two-and-a-half, which is about 100 in rat years (they age 40 years for each human year). Max was diagnosed the day he stopped eating due to a stomach tumor, so the difficult decision was made to put him to sleep. I was with him until the end, and seriously considered treating him, but medical bills would have been in the thousands and I was working in a restaurant in the time. Now I have CareCredit for vet care, and Nationwide ensures exotic...Read More...
Yes, I had a 21-year old cat (I adopted her from moving neighbors when he was 12) who had diabetes, insulin shots, the works. He had one limb amputated and got around fine, until he died of a stroke in 2003. I still miss my Kitman the Hitman.Read More...
Last Reply By BeckAtsila · First Unread Post

Buying a new car!

Karen McEuen-Novak
I have a 2011 BMW 335D that I keep having to pour money into. I want to purchase a new Honda Accord. I have $20,000 cash and my car as a trade in. I doubt the dealership will give me what my current car is worth but it’s a hassle selling it privately. Any suggestions or ideas on how I can get the most bang for my buck? Thank you!Read More...
Dealerships are really good with the jedi mind games. A few things I would do in your position. Get dealerships to compete with each other. Let them know you are ready to buy, but you will wait on a good deal. If you can get the same car $500 cheaper 50 miles away, let them know you are willing to go to wherever the deal is. Don't let them know you have that much downpayment or willing to do a trade in at first. If you can get financing elsewhere thats great, use that monthly payment as the...Read More...
Last Reply By E Allen · First Unread Post

Convert Amazon Gift Cards into Cash

Does anyone know of any websites that you can sell Amazon Gift Codes for cash? ThanksRead More...
I frequently buy Gift Cards on Raise.com I have never bought Amazon gift cards as they are always out of stock when I check but I believe you can sell gift cards on the site. (you will get a little less than the actual value of the card) Quite a few people also sell them on eBay. Maybe try asking friends or family if they are interested in trading you cash for your gift cards if they purchase frequently on Amazon?Read More...
Last Reply By Moore Income · First Unread Post

Close Checking Account

Does closing one checking account and opening a new one hurts your credit score? I am leaving BB&T and transfering everything to Navy Federal Credit Union.Read More...
I have never had it hurt my credit score. Generally, a checking account should not affect your credit score. There are however some situations related to a checking account that might. If the bank you open the account with does a hard pull of your credit, it will affect it obviously. Also, sometimes signing up for "overdraft protection" could essentially affect your score. Other than that, the only other thing that might affect it is if you are managing your account poorly (bouncing checks, ...Read More...
Closing bank account can hurt your credit score but you have another account in place so it should not effect your credit score.Read More...
Last Reply By Moore Income · First Unread Post

What do I do with $20K?

Gary Fisherr
I have $20,000 what to do with itRead More...
Maybe divide it up? Invest some. Save some. Give some to a local charity or someone in need if that is something you like to do. And maybe even take a small chunk to just spend on yourself as a reward for reaching such a milestone. At the end of the day, it's your money and you should make the decision that is best for your situation.Read More...
Hey @Gary Fisherr . A reader wrote in to Dear Penny with a similar question not too long ago. Maybe that could help you decide? https://www.thepennyhoarder.co...y/inheritance-money/ The TL;DR version is: put it in a high-yield savings account while you decide exactly what to do with it. Meeting with a financial planner could also be a good option, but they can't tell you exactly how to manage your money. You'll have to decide what financial goal you want to reach. Retirement? Pay down debt? ...Read More...
Last Reply By Moore Income · First Unread Post
I'm curious, If you lived in a warm climate area and had $10k to start up a business, what would your business be?Read More...
I want to rent to own a mobile home and/or a R.V. but my credit score is at zero. It's been wiped clean. I have no credit! I'm starting all over at the age of 60. My divorce left me totally financial destroyed. I have 3 great children. They are now young adults. I was determined to raise my children in the lifestyle we all deserved. Unfortunately my very wealthy ex-husband went for my throat. He wanted revenge and my financial ruin. He also wanted to convince the court that I was to blame.Read More...
@Mary G That is a very creative way to help folks out!Read More...
Last Reply By MsChris · First Unread Post
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