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Tagged With "coin collecting"

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Re: Grocery Store Unit Price Codes

Savvy Susie ·
The best toilet paper advice I ever got was buy Scott's. Not only does it have a very low cost per unit--especially when you buy the biggest bag you can find, like at Costco--it also reliably degrades. Scott's, Hellmann's/Best Foods and Tide Pods are my go-to brands that I collect coupons, look for sales and buy in large quantities as long as the published costs per unit make sense.
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Re: The KonMari method and my financial situation

Moore Income ·
I must be behind a bit because this is the first I have heard of the KonMari method. I will be doing a little research on it. I have recently been doing a bit of research into minimalism and living with less. I personally grew up not having much as my parents were constantly traveling so we didn't collect too many possessions. I prefer to have less stuff but have found that when you settle down for any period of time, you tend to collect more than you need. The more I do realize how little...
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Re: Medical Bill In Collections

Phoebe Moon ·
The hospital can and will accept $5 a month as a payment, but they DO NOT have to stop collections. That's a myth. They can and probably will turn any unpaid debt over to a collection agency, who works on commission. They will take every step they legally can to collect the debt. Maybe they will settle and maybe they won't, but don't count on your $5 a month meaning anything to them.
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Re: Medical Bill In Collections

Roy ·
Hold tight. Go to the collector and make the same offer. tell them it is all you can afford right now and just want to get it sorted out. Collector will ask for full amount probably, so you tell them to give you their best offer see how they go. The collector is on commission on how much they collect and something from you is better than all those who just don't care. You have to stone face this for a while so they can think about it. Time is on your side so use it!!!!! Court is a last...
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Re: Anyone pursuing a F.I.R.E. strategy?

lori simon ·
Forced retirement at 57--now 63 and still pursuing jobs to no avail after five years! Living off savings and waiting to collect S.S. when I run out of $. Collecting EBT for food and Medi-Cal for medical. If society doesn't want to give us older people jobs--then they can support us! Live simply is the answer.
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Re: Retired at 32

Julie Morgan Campbell ·
I also have not retired, but my husband passed away unexpectedly about 6 yrs ago at 52. I get his pension thru where he worked,, for the rest of my life and also our medical/dental benefits we had 25 yrs at what would have been his retirement rate. At 62 i am going to either retire or semi retire and start collecting my own SS and let his sit until i am 67 so i can collect 100% of my survivor SS benefits. It’s a little higher than regular SS. I also have his life ins he left and his 401k...
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Re: Retired at 32

LeighofMar ·
We are self-employed so our company funds our retirement 100%. I also work 100% from home, so that is so very helpful since I have a chronic illness. Our plan is to keep our business going so that it can save for our retirement, provide us with an income in addition to SS, and collect our SS benefits at full retirement age. It should be enough for a nice modest lifestyle, which we have already implemented now.
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Re: SAVING MONEY ON A FIXED INCOME

Nicole ·
My situation is different but our goals are very similar. Our income was cut in half & our expenses increased when I became a stay-at-home parent to our son with medical issues. I called our service providers (ask for customer loyalty or retention) and was able to lower most of those bills or eliminate services that we truly didn't need. I grow fruits & veggies in the backyard. Even with an apartment patio, you can have a tomato plant, herbs, strawberries in pots, etc to enjoy (and I...
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Re: Retired at 32

Tina Flemmons ·
It sounds Great! To be able to work from home.. WOW!..I'm 60 and just suffered knee Problems do to a recent car accident..im on sick leave from work temporally but would love to know of any at home jobs that i could do . and hopefully i can just work from home. Any suggestions???? Thanks
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Re: Investing in real estate

DipperDave ·
As many before have found out, investing in real estate to "hold and rent" may sound like passive income but it rarely is. You will be getting calls 24/7 for repairs and problems. An option would be to use a property managment company as a service. They take care of all of the problems and collect rent, but you still end up paying for the fixes plus their fees for the service. To answer your main question though about how to acquire real estate with little money down, it is certainly...
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Re: How to save when grocery shopping

tg ·
Saving money & saving environment can have different viewpoints. I use green bags to carry groceries, but don't get upset when I need plastic. I use those to line trash cans instead of buying trash bags. Also use those when my granddog visits for picking up the yard. I try to recycle all that I can - have been doing that since the late 60's from my parents influence. We had metal lunchboxes with tupperware containers for sandwiches, etc. and I still use that concept. Silverware and china...
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Re: Hello new members!

mrsjaxrbtr ·
Hello, I'm new at Penny Hoarder and am surprised at all the many types of topics available on this site to either discuss for advice or assist with ideas. I am retired, am not yet eligible for SS, and I receive a modest retirement from where I worked for 32 years. We pretty much live on my husband's retirement and SS retirement income. In 2016 we refinanced our home and changed it from a 30-year loan to a 15-year loan. Big Mistake. My husband was working with another partner in a law firm...
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Re: Living off $720 s month

AverageJoe ·
@KKimberly I am so sorry to hear of your struggles. I have to say that this was quite similar to our situation back in the 1980s and '90s. My wife could work part-time, but I couldn't keep a full-time job at all. I had to keep jumping from job to job, and at times had to go out on my own and collect cans by walking the sides of the backroads and highways, dumpster diving and living off of that, my wife's meager income and the income from the aluminum cans and batteries (car) that I would...
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Re: Selling handmade jewelry

mintjulep ·
Your jewelry looks well made and it beautiful. I hate to be a "downer" but there are thousands of people on Etsy selling jewelry similar to your style. To add to the concern, Etsy, Ebay, Amazon.......all the online venues......are requiring the collection of sales tax throughout the US as of 2019. It's almost impossible for a seller to stay on top of the various sales tax collected by states, counties, cities, etc. Etsy and Ebay are collecting it for you, but you must keep an accounting...
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Re: Student Loan

Van Jalaber ·
Appeal may take some time and energy but it may pay off. It could be public record in the paper trail about the dealings at the school. Collect dates, names. Ask around at your local law school for a student who may be able to assist you with doing some research. Put it out there on social media and see if there are others in this predicament.
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Re: Financial Fitness February: Day 10

JeremyM ·
Hi @mintjulep You absolutely don't need a store. eBay gives you 50 free listings per month. However, eBay recently added a Starter level store that is very inexpensive ($8 month) for 100 listings. As for sales tax, eBay takes care of all states that have passed the Marketplace Facilitator Law. The only tax you would have to worry about is your in state sales. There are still states that haven't passed or started the MFL, you do not need to worry about those and when you do, eBay is the one...
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Re: Emergency funds & COVID-19

Leslie Kay ·
Well, I will speak up and say I had no emergency fund prepared. I have started one a bunch of times but this pandemic caught me without extra funds and my PT job closed up and hopefully, the owners will still have enough money for a real reopening sometime in the near future. I have gotten creative and started googling and applying for different grants. You usually have to write your story and provide a copy of your ID or a paystub some places ask for more info than I had available but right...
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Re: Unemployment benefits for cash workers

JeremyM ·
Mostly cash businesses still should have bookkeeping showing incoming and outgoing transactions. There should still be tax documents. If you are just taking in cash without any receipts or proof of actually doing business, then I doubt you will be able to collect unemployment. But, given the current pandemic, who knows...
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Re: Do You Ever Pick up A Stray Penny?

Shannon H ·
I also got that saying from a neighbor growing up. Still collect the stray change that has been so easily discarded by others. Goes into change jar...
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Re: Let’s Talk Blogging!

Deon Christie ·
YouTube is an excellent place to collect knowledge. In fact I'm contemplating starting a Vlog. I too am currently playing around with a single blog, until I'm happy with the results. And then it will definitely be game on for 2019 with blogging and video SEO. I have discovered a tool called Lumen5 for creating videos, and also convert blog posts to video. Hence contemplating the Vlog.
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Re: Coin Collecting Help

Bonnie Squires ·
Hi @Moore Income I've been collecting coins for awhile. I just done it because i new the coins was old or sliver or copper even coins from the year i was born or a family member. Well in 2017 our son got me a gallon size zip lock bag filled with old colds and new coins. There is a 1943 sliver penny and some copper pennies not sure what else is in there. But i've asked around about them not many heard of the sliver penny. What i found out so far is the copper is worth more than the sliver...
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Re: Coin Collecting Help

Moore Income ·
Thanks for sharing this resource @Bonnie Squires I will take a look into it!
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Re: Coin Collecting Help

friardave ·
The penny is not silver. It was produced during WW2 out of zinc, I think.
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Re: Coin Collecting Help

Bonnie Squires ·
Your welcome @Moore Income I hope it helps
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Re: Coin Collecting Help

Bonnie Squires ·
@friardave yes it is zinc over steel. not sure if that's the correct way to say it or not. But there are some that are silver just like the cooper ones.
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Re: Coin Collecting Help

friardave ·
I had no idea. Very cool. https://coins.thefuntimesguide...-silver-wheat-penny/
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Re: Coin Collecting Help

Bonnie Squires ·
@friardave yes it is very cool. I'll have to dig out my change and go threw the bag again to see what I've. We moved so things are still packed.
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Re: Are you an Amazon shopper?

Deon Christie ·
I don't really shop on Amazon @Briana . I have however had some book sales through bookstores like Amazon, Kobo, Google Play and iTunes. I normally publish through BookRix. My online shopping consist more of stuff like hosting, training programs and memberships to collect knowledge. Driven by my curiosity (or rather fascination) around the method of generating a passive online income.
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The 7 years an account is on credit report

Sophie Claire ·
so I am trying to understand the 7year rule. What if you have an account that was originally opened over 7 years ago, but then the debt is sold to collections, does that 7 years start over? Is it valid for collectors to collect debt if the account in question was originally opened over 7 years, or is it something that should be disputed? What do you do if you’re being hounded by collectors for accounts that are over the 7 years since original opening of said account?
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This week in… The Penny Hoarder Community!

Briana ·
Happy Wednesday, Penny Hoarders! For those of you who might be new here, each week we showcase the latest community news and updates in an announcement post. This is a great way to keep you all up-to-date on the latest happenings - from popular threads to work from home job opportunities. Announcements New Projects for our Feedback Group For those that opted in to be a part of our first ever Penny Hoarder Feedback group, we have a few pretty cool opportunities for you to get involved with.
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Where does debt go?

nyoriginal ·
I am the conservator on my Mother estate. She co-signed for my daughters student loans (private), which my daughter has been paying. As my mother is 93 yo, and will not live forever, what happens to that debt if my daughter falls behind or can't pay? Does the bank come in to collect upon the time of my mothers death? I expect my Mom to be around for quite a while more, she is a pistol! Thanks.
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Extreme Couponing Tips to Add More Money Into Your Wallet

Former Member ·
We should cut back on our spending habits as the world's economy is increasing at a fast pace. If we don't save today, then we can't build a financially stable future. And saving means creating a strict budget and spending the bare minimum strategically until your debts are satisfied. One excellent way to maximize savings is to follow the tradition of using coupons while shopping. Coupons are one of the most authentic money savers that warrant savings. But how can you use them strategically...
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Cable TV, Internet & selling wardrobe.

Jobelle Collie ·
I’m looking through my budget for things I can cut out. I have a major event in December, 2020. I need to keep internet service because of house alarms, laptops and devices. I bought a ROKU device and I find I only watch my Hulu, Netflix and Youtube. I know where to find news and critical weather news online or on my ipad or iPhone. $160/mo is what I’m paying now. Can I get internet and a tiny TV package cheaper? This sounds obvious, but I’m I dizzy blonde. lol I’m also stopping my YMCA at...
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Coin Collecting Help

Moore Income ·
Hey fellow Penny Hoarders. Coin collecting has been something I have been interested in for quite some time now but haven't really known where to get started. I have a few older coins that I have gathered over the years mostly from going through coins but nothing too fancy. I am wondering if there are any serious coin collectors out there who could advise me where I could go to find coins to start a real collection. I have seen coins on eBay and other marketplaces that claim to be unsorted...
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Re: Social security opt out

Karena Andrusyshyn ·
Dear Take Action, I would spend a little money now to check into this with an independent professional that knows Social Security inside and out. You have invested 10 years into the system. I think maybe you should look for ways to keep it. IF (heaven forbid) something happened to your company you might lose out, depending on what happened. Remember that the more solid a company is financially the more they are targeted, and with the Internet as an added danger, you really should not have...
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Re: Credit Collections

Juanita Tallent ·
Been there ! So even though its a charge off that does not mean the company cannot try to collect and most often will !!!!!!! its a nightmare . You technically do owe but the general norm is people don't. Block the call or try to settle for pennies on the dollar amount owed. But yes they can continue to collect. Also make sure it really is that company and not a scam.
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Re: business development

mintjulep ·
I've not tried Amazon........yet, but I have sold on ebay and Etsy and found the best source of information is within each website forums. People there are very helpful (in general, some trolling but I ignore it) Within my online venues I have found research and keeping on top of trends is essential. You must also keep track of every penny of your expenses. Ebay and Etsy both have raised their seller fees recently and both now collect fees on your shipping costs. I had a bad habit of...
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Re: What do you do with your junk mail (paper mail)?

Leslie Kay ·
I just signed up with Small Business Knowledge Center 312-546-4922 [email protected] www.sbkcenter.com **They will pay you for the junk mail that you send to them. Direct Mail We will provide you with pre-paid envelopes that you can use to send us direct mail pieces. We encourage panelists to send us a mailbag every week. We replenish these envelopes at regular intervals, but if you run out, just let us know and we will send you more! Generally speaking, communications we are...
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Re: Not having someone to bounce ideas off.

maria rose ·
I have always tried to be in charge of my finances even with a partner (I am currently and plan to stay single since I turned 50 and divorced). Some people work well together budgeting but that only works if you both discuss finance spending and budgeting and come up with a budget that both can deal with. As part of my divorce, I went through a bankruptcy to remove the debts that occurred and left unpaid by my ex-spouse because I live in a joint ownership state for anything that occurs...
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Re: This week’s Community Announcements 5.8.20

Frugal U ·
To all of us who are experiencing a negative financial situation as a result of the pandemic, please check your state's treasury to see if there is unclaimed funds being held in your name or your maiden name. You may discover a nice surprise there. Every state is required by law to have an Office of Unclaimed Funds, to hold on account funds which are undeliverable to the recipient for various reasons. Funds are matched via Social Security # or Federal ID # if they are for a business entity.
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Re: How do I make $1 million in 5 years?

Leslie Kay ·
Organization on the business side. Or enlist a partner for the paperwork and billing side of things. Set up a workable system so nothing falls thru the cracks. I kept monthly folders and hand write the jobs and amounts in the outside of the folder and didn’t file that month til all items were paid. Your goal is to make money so invest some time in a system to track jobs and collect the open bills as you go along. I also tried an elaborate excel spreadsheet one year which proved to be too...
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Re: Passive Income Strategies

My Garage ·
Just seen this thread. I totally agree with this. The best form of rentals is housing or apartment types. You may only need to work once or twice a month to collect payments. Something that I would also enjoy doing. If you're not yet on that scale, you can do so by renting your own stuff that you don't use much. My best bet are on heavy tool equipment, event collaterals like chairs and holiday costumes.
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Very Old Debt

Rick Campbell ·
I have a question. If a person has a very old debt that has been purchased by 3rd party collections. The debt is so old it has already fallen off their credit report. Can the collections agency do anything other than harass you or can they actually go for a judgment and still collect the debt? I thought after such a long time and already falling off credit reports that was the end of it. Or is a debt collectable regardless of how long its been? Thanks
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Re: Very Old Debt

Shannon H ·
I'm in WV and it's 10 years here... if they have not actively attempted to collect then no they cannot collect it and have to stop contacting you. I would recommend that you have them verify the debt. Example, dentist never charged our insurance for daughter dental visits.... 4 years later I got a bill for over $5,000.... I contacted my dental insurance and dental office.... dental office stated they billed insurance but couldn't provide proof... WV law if they do not bill medical within 180...
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Collecting social security

Savingsmama ·
Does anyone know if a wife can collect on their husband's ss if husband is over 70 and wife is 65? Husband is already collecting ss benefits.
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Re: Collections

KerryE ·
Based on my experience with older debt, you are correct. If you start to repay the debt it will be on your credit report for the next seven years at least. You stated the debt is on your report, not actively being collected on. You also stated you're laid off, so you can't pay what you don't have. If no one is calling you to collect it, I wouldn't do anything about it right now. Once this virus mess is under control and you are working again, I would take a hard look at your finances and...
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Re: A family member asks you for a $1,000 loan to help start a business.

Gatoray57 ·
Choices are too limited. I would rather invest money in a family member's business adventure IF they had a business plan that could pass my own "Shark Tank" test. Then there's tax considerations. A worthless stock loss is much easier to deduct for tax purposes than a non-business bad debt loss. If you were audited, IRS would be inclined to treat a bad debt loss to a family member as a gift unless you could document a loan agreement as well as efforts to collect.
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Make Money on What Other People Throw Away

Former Member ·
America is a throw-away society. We all know that. We all have a lot of junk that we do not need, and just about all of us have things piling up relentlessly in out attics, garages, basements, closets and even in the wide open of the back yard. A lot of people try to ignore the problem until they can no longer get into their garage, or when they find it impossible to squeeze one more item into the attic. They have too much junk and they need to get rid of it. Often, they will pay someone to...
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Re: Credit collections

Gabriela Ortiz ·
Hello, my real estate teacher told me that an older debt like the one you are describing does not affect your credit score. There is no use in paying it. They will not give you a point or anything good for paying it. The fact that they are still trying to collect from you is just how the collection agency that the debt was sold to works. I wouldn't worry about it. If anyone has anymore or different information about these types of debts please feel free to let us know.
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Re: $600 stimulus checks

irishnanny ·
i paid some bills ahead and put the rest away, i am off from school from end of june to sept. so i don;t get paid and i can't collect unemployment so i save for the summer to pay bills
 
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