Tagged With "affiliate marketing"

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Re: Penny Pincher

Briana ·
Feel free to drop any kinds of ways you've been able to save money in this thread as well! I have one -- I go to a grocery store near me (Lucky's Market) on Wednesdays specifically because all of their produce and rotisserie chicken is significantly marked down! Then I have all of my food to prep for the week. It's reduced my grocery bill by almost half.
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Re: Hello new members!

Kirsten Cherry ·
I would love to hear about your experience in selling thrift store finds! You should write a post about it. What stores do you shop at? How do you know if it will sell? How do you sell it? Do you market your products?
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Re: Curious: If you had $10k start up cost, What business would you start?

Deon Christie ·
Great ideas @Moore Income . Would there be a market for pool cleaning services during winter though? Many great ideas in this tread I must say. And there's me off to the digital world with the $10,000. What can I say I've grown rather fond.
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Re: Have you ever sat just watching people and thought...really?

Bonnie Squires ·
DEON CHRISTIE had allot of store open 24 hours. KS only one i know of is Walmart. We shop there a couple times a month and than i do most of our shopping where we use to live because our son still works there and the market here and dollar general here.
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Re: Have you ever sat just watching people and thought...really?

Deon Christie ·
For me it's a shop called Makro @Bonnie Squires . Where you can buy in bulk with rather large savings. I save almost 45% on my groceries considering quantity. Which makes it easier to not having to buy groceries as such every month. Apart from the everyday items like bread, milk and fresh veggies.
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Re: Resumes

Moore Income ·
@Mexpensive when I wrote my resume, I had very little experience as I was just entering the work-force. I used an online resume creator online and was able to make a pretty nice looking resume by including things like the online business experience I had. I didn't think it mattered much but by putting things like my experience on social media in there, I was able to eventually land a job as a digital marketing specialist which I have had for just over 3 years now. Resume writing services...
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Re: Hello new members!

Bonnie Squires ·
STEFANI BECKER I've to agree with MOORE INCOME about joining this forum. It is a great help. Have you tried to get food stamps to help with food? All so you should have a local food pantry that could help. All so with food we have a family of 5 now. Most of our kids moved out. But I look at the flyers where my son works than the market here and DG. I try and keep my meats under $2 so when meat goes on sale I'll buy in bulk. Like i've 20 pounds of pork chops got for $20 hamburger meat i got...
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Re: If Money Was No Object, Where Would You Travel and Why?

Fari ·
I have been fortunate enough to be in the travel industry within the luxury market and experience many parts of the world in luxury without having to pay a dime. I truly believe it is the best education and I have given a taste of travel to my children as well. Here is to name a few, Bhutan, Prague, Croatia, Paris, Argentina, St Petersburg, India, West Coast of Australia (The Kimberly) on a yacht. (Maldives, Palau for diving). So many beautiful places in the world and one life time is not...
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Re: You heard someone on TV say student loans are “good debt” that pays for your education and usually carries low interest. Go or no-go?

Mark Marine ·
Go, with a great big ... It depends. In essence, a student loan is just another investment with an expected return. Whether it's a good investment / good debt depends on what the overall return is. There is a HUGE difference between financing an expensive education in something that does not have good market value vs one that does. And then one needs to compare many alternatives to determine the best course of action.
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Re: Hello new members!

AverageJoe ·
Hi Reynolds J...We also use a lot of coupons, use gas points from Kroger when we go shopping there...since the station is right there, if the points allowed off gas bring it anywhere close to the lowest price we've seen or lower, we use them to purchase the petrol. We shop many of the dollar stores, Aldi's Market, and even Gordons Food Service (where one has to buy in bulk on many things), but in the long run have found it's much better to spend a little bit more at times to be able to use...
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Re: Home-based businesses book

AverageJoe ·
MSKIMBERLY, there were many people that my wife worked with who would have bought used makeup. There has been a pretty big market for it around here, and I believe that there was a story on it a few months back on our CBS local affiliate.
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Re: If you received a lump sum from your pension before age 60, what would you do?

LeighofMar ·
Well, with the article I just read about some pensions becoming insolvent, I would make sure that your pension company is covered with pension insurance so that your money is guaranteed and safe for future withdrawals. Assuming it's solid, I like the idea of getting a check besides Social Security in the future. (I'm assuming you're eligible for SS as well?" I think it helps with budgeting to have the different incomes accounted for. But #1 of transferring to an IRA and being able to invest...
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Re: Future home and retirement

mintjulep ·
Jennifer Thurs, have you spoken with a mortgage loan office about purchasing a condo or a home? I'd start there to see what monthly payment you qualify for and also what you are comfortable paying each month. Just one of the disadvantages of owning a mobile home is the high depreciation whereas if you are located in a growing population and a good real estate market, a home or condo should appreciate thereby adding to your net worth in coming years. I agree with Maria Rose that the potential...
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Re: Inheritance

Gretchen Mann ·
I'm so sorry that these times are so difficult for you and your husband. I have some suggestions. Your credit card debit probably has the highest interest rate. I would pay this first and pay it off entirely. Your home mortgage will qualify tax deductions, so this is the last loan to pay off. The emergency fund is also very important to do at this time. Six to twelve months of emergency funds in a liquid vehicle would be appropriate. In view of this, you might want to beef up your emergency...
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Re: Financial Fitness February: Day 14

mintjulep ·
Jon, thank you for the breakdown of your wins.......sharing with us in your daily journaling takes a good bit of time, I would think, and it's very appreciated!!! It's inspiring and exciting! My financial wins were all on paper, thanks to a bull market and good counseling from our financial adviser. I know that can be erased Tuesday when the markets open again. I have to turn "my biggest financial mistake" into a funny because it was like a movie script. Not too long after my first husband...
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Re: Financial Fitness February: Day 28 (FREEBIES)

Moore Income ·
I would definitely recommend checking it out @MsKimberly It is a free game and it does teach you about investing in the stock market. And the fact that you actually have the chance to win real money makes it even better.
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Re: Financial Fitness February: Day 28 (FREEBIES)

MsKimberly ·
And I love games!
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Re: Retirement contributions?

Dear Penny ·
Hi, Kim! I wouldn't stop making retirement contributions just because the market is tanking, especially if your employer matches. It's painful to look at retirement account balances right now — and I suggest not looking at all right now. But consider that if you get a 50% match from your employer, you're essentially getting a 50% return on your money before it gets invested in the stock market. But really, the answer to your question depends much more on your personal finances than the...
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Re: Retirement account

Dear Penny ·
@Drt123 The consensus among financial advisers seems to be that now is not the time to change your allocations, i.e., the percentage of your portfolio you have in stocks, bonds, etc. Understandably, the people who seem to be asking this question most are retirees. They're wondering if they are too invested in stocks and should move more into bonds because bonds are usually safer investments. I can't answer questions about individual portfolios, but if you moved money out of stocks, you would...
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Re: 401k loans - a bad idea?

Dear Penny ·
Hi @Theodora ! Such a great question! The coronavirus relief bill that the Senate is currently voting on would make 401(k) loans a way better option than they usually are. Basically, it would give you an extra year to pay back the loan and let you borrow double what you usually can ($100K max instead of the usual $50K max), provided that the loan is related to COVID-19 income loss or illness. The bill would also waive the 10% penalty you usually pay if you withdraw the money outright instead...
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Re: Managing finances during the covid-19 pandemic

Dear Penny ·
@Motherqueen1 The answer here will depend on a lot of factors, like if you're still employed and, if so, how much job security you have. But right now, we all need to focus on having cash on hand, if possible. This is the rare time where it can be a good move to only make minimum debt payments, even on credit cards. You can start making headway again once things start to get back to normal. If you invest in a 401(k) and/or IRA, I'd continue to do so if you can afford it, even though the...
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Re: Managing finances during the covid-19 pandemic

mintjulep ·
I agree this has to be a very individualized decision. This is my 4th time in my lifetime of 70+ years going through a financial crisis, and 3 of them were caused by external events caused by economic conditions, out of my control, that called for rethinking and modifying my plans. My career in the 80's was commission based so I was used to irregular income patterns, I was self-employed, children, divorced so some minor modifications in my financial plan were almost routine. If you are often...
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Re: Stock strategies

Dear Penny ·
Good afternoon @Lily ! Both Appian and Zoom are publicly traded, so you don't have to wait to cash out. However, it's usually best to think long term when you're investing. For most of us, the taxes and fees eat up returns from frequent trading, plus you usually make the real money from letting your money grow over a long horizon and holding on even when the market takes a dip. One thing to keep in mind is that the taxes are lower when you hold onto an investment for at least a year. When...
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Re: Growth

Leslie Kay ·
Most definitely! Once it is safe and everyone can go back to work and start spending again we will bounce back. It will be a rough 6 months trying to pay back the bills we couldn't pay during March-May...June? But the stock market will most definitely bounce back. I just hope that we do not lose too many of those small businesses that couldn't afford to be without business for this period of time and couldn't get the SBA funding because we ran out of money. Quite interesting how some large...
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Re: Long term effects of Covid-19

MrsD08 ·
I am fortunate (#blessed) that my husband is still working. We are going to move (we rent right now) into a home with less monthly rent so that we can get out of debt and save for a house. This will also help us in case his work gets reduced. I think this is going to be harder hitting than most think. I believe that we will see a second wave of the virus that has the potential to send the country into an economic tailspin. The housing market is going to look a lot like 2006-2009.
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This week in... The Penny Hoarder Community

Ashlee ·
Hi Penny Hoarders! This week we want to give our Veterans a special shoutout. We’ve been celebrating you all week long and are so thankful for your service. Here’s your weekly round up of announcements... In the market for a home? Here’s how to qualify for a conventional loan, which could save you thousands. Check out this quick video our team put together explaining everything you need to know. You can also read the entire article here . Have you found a cool way to make money outside of...
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This Week's Community Announcements 1.31.20

Maryann ·
Hi everyone! Hope you all had a great week. There are a couple new things going on over at our HQ that I wanted to share with you all. For one, we’re headed to Vegas ! Well, our content is. We recently partnered with the Las Vegas Review-Journal to promote financial literacy and personal finance content to the Las Vegas market. With this partnership, the Review-Journal will publish The Penny Hoarder articles to their readers in Las Vegas. We also launched a fun marketing campaign this week.
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Misfits Market

BWJ ·
Hi has anyone used the Misfits Market for your fruit and vegetables? What was your experience? https://www.misfitsmarket.com Thank you!
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Coping with C-19

$unnyLife ·
Hi, I'm new to this group but not new to stress. I know faith and fear can't reside in the same place. So I say I'm challenged. I'm moving Sat Apr 4 due to 4th apt flood and subsequent foot lesion, just had 3 surgeries too. I take a deep breathe and frequently give thanks for what is going right. I also volunteer at whatever level I can because that helps me to focus on others while I heal, move and proceed with a joy-filled life. Meditating and spending wisely helps me too. I'm cooking at...
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Credit card debt question

Joanelle ·
I'm fortunate enough to still be working, but I have outstanding credit card debt. I had plans to pay it off, but with all the uncertainty about the stock market etc., I'm wondering if instead I should pad my savings account and only pay the minimum payment on the outstanding debt. What's your advice?
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Financial Fitness February: Day 13

Moore Income ·
Today was a tiring day for me, mostly because I didn't get a lot of sleep last night, however, financially speaking things went pretty well today. 1.) Sourcing Discontinued Items Although, I am trying to slow down my sourcing and focus more on listing, there were two stores that I still wanted to check out. Ace Hardware & The Home Depot I was able to get around to all 3 Ace Hardware stores in town today but only scored big at one and then got 3 of one profitable item at another. The...
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Financial Fitness February: Day 19

Moore Income ·
Wednesday came and flew by and I am just trying to figure out how we are already half way through this week! Here is what went down financially for me today: 1.) Edited & Posted a Video A lot of my morning was spent on editing a video that I got done and posted this morning. It is taking me a lot longer than I wish it would to get videos posted on my channel, but I just have to keep in mind that it is a learning curve and the more I do it, the better I will get. While right now, posting...
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Ratio of savings to investing?

Jordan M Blum ·
On this topic -- what is a good split between savings/stock portfolio? I understand it's best to have six months of expenses saved up as the golden rule -which is also extremely hard to do! And I think it's viable to invest a certain amount each month, although this pandemic has impacted the stock market making it a great time to buy in more than normal. Do you have any input here ensuring I'm not going overboard and being safe, while trying to also think long term? Thank you!
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Stock strategies

Lily ·
I have a pension that is invested in the stock market, so hopefully those managers know what they are doing. I decided to play around with a little money buying stocks since they are so inexpensive right now. And I do mean “little.” I have no idea what I am doing, but I joined Fidelity, have been reading stock market research, learned on uTube how to buy. I bought one share of Appian and two of Zoom. So with the Zoom I would have to wait until the stock goes public and splits to be able to...
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Best On Line Savings/Money Market Accounts

Lucy ·
Does anyone have good input on regarding on line savings/money market accounts? Love to here your feedback. Thank you!
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Community Announcements 3.13.20

Maryann ·
Hi everyone! Happy Friday the 13th. :-) Fun fact: did you know there are only two (2) Friday the 13s this year? This month and November. I know there are some anxious feelings about coronavirus. A number of businesses, organizations and schools have cancelled engagements and/or gone fully remote. In fact, I’m writing to you from home as we’ve gone fully remote at The Penny Hoarder HQ. Money is always a concern during times like this and being a financially-minded group, I thought I’d share...
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Financial Fitness February: Day 28 (FREEBIES)

Moore Income ·
Hard to believe we have already made it to the last day of the month... but wait, we get an extra day this year! Who else is "leaping" for joy! Today was a pretty good day for my finances. Here are a few things that went down. 1.) Invested In My Business Up until today, most of my investing in my reselling business has been in sourcing items to resell. I did however end up buying a few things for the day to day operation of my business. The two things I spent money on were paper to print...
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Re: Retirement or debt?

mintjulep ·
This comes with a caveat to do a lot of research and perhaps speak with a financial advisor but if you own your home outright you may be eligible for a reverse mortgage. I'm suggesting this without having done recent research myself. Reverse mortgages, when they first appeared on the market, had a lot of fine print issues that were not good for the homeonwer. That has changed, but there are a lot of things to consider before jumping into one. The positive, is that you can still live in your...
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Re: HSA

mintjulep ·
Unless things have changed over the last 5 years, both my life partner and I opened our own HSA accounts and benefited from the tax free accounts. I opened one when HSAs were first on the market so there were very few plans/banks to choose from. We were both self-employed with no access to company health insurance so had to enroll and pay for our own, and we did sign up for high deductible plans, fortunately, because both of us were in great health. When I turned 65 and eligible for...
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Re: Saving on a Fixed Income

Kathy E ·
My husband and I are retired and live in Michigan also. We’ve been here and retired for 7 years. Several things I have found helpful are belonging to our town Senior Center, which often gives us free Panara bread a couple times a month, free Hallmark greeting cards, cheep vegetables from the community garden, classes and activities that keep us active. I also have joined many restaurant rewards programs and get free food, gas and market reward programs and I do lots of surveys on line that...
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Re: Pre-Black Friday Sales

Practical Travellers - Erica ·
Hi Shirley! As a lover of Black Friday shopping, the pre-black Friday sales are always of interest to me as well. While, I kind of don't like that they do them because I think it takes away from the rush (and fun) of going out on black Friday, I can say we've found some pretty good deals already this season. My husband just bought a new laptop at Best Buy for $500.00 off the original price! We are eager to see the tag on the 29th! So, I guess depending on what you're in the market for, if...
 
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