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Dear Penny
Hey, friends! I hope you’re all staying safe and healthy during these trying times. This week, I’d like to invite you to submit your questions about what coronavirus means for your money here in The Penny Hoarder community group. It’s a scary time we’re facing right now, but we’re all in this together. Send your questions my way and I’ll do my best to answer.Read More...

LIVE Q&A Next Week… | Community Announcements 3.19.20

Maryann
Live Q&A Link : Dear Penny COVID-19 Q&A Hi everyone, What a week… I know there is a lot of concern and anxiety in our community, and around the world. For many of us, coronavirus has us reevaluating what to do with our money. I know I’m not the only one having to rethink both my budget and spend. While panic isn’t good, overreaction is. There are a lot of personal finance questions floating around — just what do you do with your money during a global crisis? You all have asked...Read More...
Thank you for sharing this infoRead More...
Thanks MaryumRead More...
Last Reply By Sherry Taylor · First Unread Post

Opportunities For Positive Growth Amidst COVID-19

Michael Metzger
Hello All, With all that is going on in this world right now, I thought I would take a moment to place some positivity that we can put into our lives. When it comes to our finances, COVID-19 and social distancing can help our financial picture in at least two everyday activities. Consider the following: 1) Restaurants/Bars This is a category of spending that I'm guilty of allocating too much money to. I am the type of person, and maybe you are too, who always has to be doing something. By...Read More...
Absolutely, @Susie QueRead More...
Look at this as a positive....I know its hard, but look, More time for yourself. More time for the kids. Can do things at home, you have been meaning to do.. Catch up on reading, cleaning, and the wash. Use up what you have. Garden. Put your Christmas lights back up. Have dinner with the whole family. Reflect.......be grateful.Read More...
Last Reply By sthom · First Unread Post

This week’s Community Announcements 2.7.20

Maryann
Hi everyone, I hope you all had a great week. As someone who has adjusted well to my sunny life in Florida, I was thrilled to hear Pete the groundhog did not see his shadow — hello, Spring! There’s been a lot of great discussion in the community this past week. A lot of you are asking some great questions, so let’s help each other out. We’d love your thoughts on these threads: Catherine Nicholas asked “ Once enrolled and debt is paid off, how long does it take to get a good credit score ?”...Read More...
Hi @Susan L. Miller ! Yes, I'm sorry I missed your message earlier. Were you wanting to share your thoughts on saving money in retirement? Please add them to this thread: https://community.thepennyhoar...-money-in-retirement . I'm sure others in the community would love to know how you save, too!Read More...
@Nicole D- I wanted to chat with you, not Sarah C! Thanks!Read More...
Last Reply By Nicole D. · First Unread Post

how to get a loan

Forum: Credit
Mary Keil
I got a store card and built up my credit and score. Then I got a loan and paid it off in a timely matter. I got another loan 18 months later. I have also been approved for other store credit cards. I have not tried for a regular credit card, because my income is not very good now. But that's how to build your score. My score was 0 and I built it up to 742Read More...
Ms. Andra powell Henderson, Thank you for replying to my dilemma. Would you be so kind to supply more info on the Internet Marketer job you mentioned in your reply. I would like to look into that further. Thank you.Read More...
Before getting a loan, make sure you get your rates from all possible/available lenders. Even minor difference in rate can lead to lot of savings. Also if you apply together as a joint application, you could get better rates if your joint applicant has a good credit historyRead More...
Last Reply By [email protected] · First Unread Post

Beginner Investing

Forum: Investment
Emme
Hello. New to Penny Hoarder forum. I am 63 and looking forward to semi retirement. I am interested in learning about passive income. Any suggestions on where I might begin? I know next to nothing about investing.Read More...
Thank you, Tony Bible, for your thoughts and suggestions. Much appreciated!Read More...
Emme, do a few things. 1. Contact napfa. They will give advice that CFPs cant, and are in your best interest. 2. Take an online risk tolerance test to know how much risk your willing to take with an investment; Google it or i think Janis or Vanguard has one. 3. Do Research at bankrate.com. 4. Read articles by Clark Howard, consumer analyst and self made millionaire. Whatever you do, don't jeopardize your retirement savings. Blessings. Be smart.Read More...
Last Reply By Emme · First Unread Post

Closing a secured credit card

Forum: Credit
Frugal Loo
My husband and I each opened a secure card over 2 years ago from our bank. We have been with USBank for over 15 years. When we opened our secured cards they required a $300 each. We asked if we could build credit faster if we did $500 each and the banker said yes. He told us that if we make on time payments and paid it off every month for 6 mo to 1 yr that they would automatically change us to unsecured cards with a higher amount of credit. Of course we believed him and he pulled up the...Read More...
As Robin Hartill mentioned, I would go directly to the bank to close those secured cards. Unfortunately, there is so much fine print in legal agreements that there may even be penalties or other surprises besides a small hit on your credit score for closing these cards out. Don't forget the shenanigans Wells Fargo served to their "valued customers" for which they basically just received a slap on the back of their fraudulent hands! I am always a bit shocked when reading the terms included...Read More...
@Frugal Loo What you're doing is the right path. I echo what @Robin A Neumann says. It was good sound advice by the Lender, kudos to him/her!Read More...
Last Reply By mintjulep · First Unread Post

Closing Credit Card Yes or No

Forum: Credit
Ana24
Hello everyone, I need some expert advice. I was thinking about closing 2 of my credit card one is secured Capital One and the other one is First Premier unsecured. Thinking of closing them after we get our house. I have both of my cards for almost 10 years now. I was wondering what will be the effect towards my credit score if I did close them? Thank you in advance.Read More...
Good advice about using it every other month or so--I applied for a loan once and got it super quick because I had so much open credit - had a $10,000 limit on a card I didn't use....because I didn't use it the company closed the account and my credit limit shrunk by 10K!Read More...
It will drop your score and take away from your credit history. Just cut them up or put them away so you dont use them. Then put something small on it about once a year and pay or off to keep it active.Read More...
Last Reply By Jeanne Featherston · First Unread Post

Anyone pursuing a F.I.R.E. strategy?

Forum: Retirement
Theodora
The F.I.R.E is on FIRE. https://www.cnbc.com/2019/03/01/more-workers-are-looking-to-retire-early-a-look-inside-the-fire-movement.html Would love to hear from any of you who are pursuing a strategy to retire early. Teach me your ways!Read More...
Jobelle, Here are a few of the things I plan to do once I have enough funds and "retire". (I used quotes because I never intend to stop pursuing my goals and stop creating new goals. As we all know, achieving goals requires some level of work... so I would never fully retire as I would always be working towards something.) I would travel, but the slow easy method. Road trips and boat trips everywhere. I would not be in a rush, but instead go slow and savor each moment, stopping at whatever...Read More...
I always knew I wanted to retire early. Most of my family died before age 55 years old. So I began saving from my first job. By age 27 I was thoroughly dedicated into stopping work at age 45 years. My children would be done with school and my home would be paid for. That would give me some years of freedom in case I had the same family illness. Well it arrived at age 40, but I was prepared. I got the best medical care I could afford and worked hard at teaching my children everything I...Read More...
Last Reply By Pax · First Unread Post
Budgeting isn’t easy. But whether you’re trying to cut spending to save for that new house or you’d like some extra money to put towards your credit card debt, establishing a budget that works for you is essential. Which is why we’ve created the Budgeting Bootcamp experience. The bootcamp is a two-week program that will teach you how to establish a budget from the ground up and then actually stick to it. Every couple of days you’ll receive helpful tips and tricks for creating your own...Read More...
I'm retired, on a fixed income and so "out of the loop" on job openings and all the modern stuff you have to know how to do or (it seems) stand on your feet a lot. I worked at a hospital admitting job. Sitting was involved and inputting information into the computer to make a patients chart...address, phone, insurance info, etc. At that time the only requirement was a high school diploma and 6 months experience working with the public. I had been a dime store (pretty sure they don't exist...Read More...
Great job AnnieB. Grown children should help out and learn responsibility.Read More...
Last Reply By dboothe · First Unread Post

Excel Entire Year Budget Sheet!

Forum: Budgeting
Heather LeGuilloux
Last year I started budgeting for the first time. It was confusing to figure out at first, and also scary to see all those categories and spending limits. But after a few months, it became second nature to write out the budget and go through the statements at the end of the month to make sure these budgets were held in place. When I first started with our budgets last year I found a printable budget that had some static categories (rent, groceries, travel, etc) but this year I wanted to find...Read More...
I created my own excel spreadsheets. I've found to be easy to plan for upcoming expenditures and to see the variation in some bills each month.... like gas and electric.... I have done this for several years and it's been eye opening to see how expenses for utilities have increased over the years.Read More...
@TheSugarFreeLife . I checked out the links and very happy to have those sources. I created my own excel sheets a few years ago, mainly for tracking where my money goes, rather than budgeting. It was an eye opener to see how much we spend on grandkids and junk food! I have not followed up to do anything with these links from Heather, but very grateful to her for providing them.......my other half is retiring this year and we will need to set up a budget, I'm sure. I am a procrastinator!Read More...
Last Reply By Shannon H · First Unread Post

Topics

How do self employed/ sole proprietors apply for this new unemployment benefits for us??Read More...
My thoughts would be to search online for your states unemployment benefits FAQ's. There has not been a lot of detailed info released yet only that people are encouraged to file ASAP. Which in most states you can do from that same website. Just apply and enter as much info as possible to get the process started. They will then contact you or send you a letter.Read More...
Thank youRead More...
Last Reply By Leslie Kay · First Unread Post

The bank has lost my money, now what

I banked with sleepy hollow bank they were acquired by mahopac bank they declared my account dormant after 7 years , they sent my money somewhere the current staff dont know where how do get my money I went to state treasury , my state comptroller I am writing again to FDIC to no avail . How can I get my money Chantal VoltaireRead More...
Closed account balances are usually transferred to the state Treasury Department. Check online. Check both your state and the state that the bank was located in. Every state has an online list of funds being held by name with instructions on how to claim the money.Read More...
At the age of 60 years , I have both IRA and 403B ; I don't want the distribution . I want to transfer my money to a plain saving account . Can I do it Chantal VoltaireRead More...
Last Reply By Leslie Kay · First Unread Post

relief bill clarification

Hello P.H. Please clarify this relief bill that recently passed in the area of what to expect if you are laid off and what you will receive. I keep hearing some hourly rate in excess of 23+ an hour that people in Congress or will they pay you the rate you are receiving from your job. Will this amount be in the unemployment our hospital has told us to file with here in Ohio. Any clarification will be greatly appreciated as we are trying to make some kind of budget for living expenses and...Read More...
Hey @Corey . Here is my best guess on where that $23+ is coming from: When the Senate was debating the relief bill, South Carolina Sen. Lindsey Graham was one of four Senators who objected to some of the changes to unemployment. He said that in South Carolina, the unemployment benefit would be the equivalent of $23.15 an hour for someone who works a 40-hour work week. Here's how the math breaks down: $23.15 x 40 = $926 $600 federal unemployment benefit + $326 max unemployment benefit in SC =...Read More...
Last Reply By Dear Penny · First Unread Post

Credit Card Bureaus

Steve Czirok
If you have to deal with one of top three agencies, stay away from Experian. They are the most antiquated miserable company I've ever felt with. You can't call them, they have a phone number and recording, can't text them,can't email them, they prefer snail mail. The time period for response is totally a lie. The other two aren't that much better. I wish these great hackers would get together and totally destroy all of them. And when the government says they are not spying on us, don't...Read More...
Here are a few options to try and reach a live person at Experian. How to Call a Live Person in Experian Customer Service. Below are steps to contact Experian customer service and get a live person on the phone: Dial 1-877-284-7942 and automated voice operator will ask you to enter or say your 9 digits social security number and then enter or say your zip code. How do I contact a live person at Experian? 1 (888) 397-3742- Also, Experian.com has options to contact them via online though there...Read More...
Last Reply By Leslie Kay · First Unread Post

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...Read More...
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...Read More...
Last Reply By Dear Penny · First Unread Post

Stimulus check

Greg Coyle
I'm on social security disability, Will the people on SSDI get a stimulus check?Read More...
@Greg Coyle @Lynette Carothers Yes, you will get a stimulus check. Even if you haven't filed returns recently, the IRS can use the info on your SSDI benefits statement to get the payment to you.Read More...
The question is good, but with one caveat, what if your SSD is below the threshold to file an income tax return? Many actually, most of us who are on SSD have not filed. I have even taken names and ID numbers of the IRS employees who have told me there is no reason to file. Is this practice going to cause a delay? Unfortunately, being disabled and in the "high risk" group the cost of every day things have put a strain on my budget. For example, just to have someone stop and get my garbage...Read More...
Last Reply By Dear Penny · First Unread Post

Drop in credit score

Forum: Credit
My credit score was in the 600's with in 1 week 5 days I checked my Experian or others and my credit score went down 72 pts !! There was a big zero score since then march 12th my new credit score is 4 pts my TransUnion I believe is 500 + that dropped some. I do have suspicion of somebody using my social security number. When adk to verify myself on S.S. site they froze my # I have a screenshot of the person's name ( My 1st guess) was a friend on F.B. and I'm guessing I have his old Cell ph #...Read More...
You need to get in contact with any of the 3 credit bureaus and explain what is going on- either by phone or internet- if you are locked out, prepare to have lots of documentation to describe your true identity. They all offer a service to help you do this (for $) but you can do it yourself once you start the process- then you need to go through and dispute each incorrect item. I would also recommend filing a police report for stolen identity- ID theft. That goes a long way to help you with...Read More...
Last Reply By Makingithappen2019 · First Unread Post
Well I don't know what to say. This is my first time. I just don't know what to do my rent is coming up and I just don't know how I can do it. I live on my own I have a one bedroom apartment. But it's 675.00 a month and I have my phone bill lost my car insurance so I drive without car insurance. I had car insurance but I would pay one week I have paid 97.00. and turned around there's a nothing bill 114.00 and then after that I got another bill 102.00. this was all in one month.they was just...Read More...

IRA Contributions

mintjulep
Since the USA federal tax date filing has been extended from April 15, 2020 to July 15, 2020 I wondered if the delay also applies to the 2019 annual contribution to a standard IRA?Read More...
Thank you Dear Penny!Read More...
@mintjulep The IRS has actually been silent about extending the deadline for IRA contributions, so we should still plan to make IRA contributions for 2019 by April 15, 2020, until we hear otherwise. I'll update this thread if that changes.Read More...
Last Reply By mintjulep · First Unread Post

Stimulus check

Amanda A Pabon
My boyfriend hasn't filed a tax return in decades and I am an independent contractor since 2017 I haven't filed, but I have 3 years of 1099s I'm filing asap. We have a child and he is a stay at home dad, I'm head of household. I'm not working due to covid 19 (I groom dogs as an independent contractor and he informally assists me). I need the $ for him to cover his living expenses, but we arent married. Can I claim him as a dependent? I pay his credit cards from my bank account. If not, HOW...Read More...

Printing an article

Forum: FAQ
I liked the article on how to effectively store fruits and vegetables. I wanted to print the list and share the advice without all the pictures and ads.Read More...

Managing finances during the covid-19 pandemic

What is the best way to manage my finaces during this covid-19 pandemic?Read More...
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...Read More...
@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...Read More...
Last Reply By mintjulep · First Unread Post

Where can I get a budget graph

Forum: Budgeting
Paula Lamarre
I really need some ideas of where to start? I am a beginner. Thank you.Read More...
@Paula Lamarre There are articles on this forum discussing how to create a budget from scratch. In addition, go through the Budget Bootcamp on this forum. To get yourself up and running quickly, grab a sheet of paper and list on the left your income(s) (weekly or monthly); on the right, list all of your expenses (rent, car payments, utilities, cell phone, groceries [estimate if unsure], debt payments, etc.), and anything else you can think of. List your irregular, quarterly expenses as well...Read More...
Last Reply By sthom · First Unread Post

This week’s Community Announcements 3.27.20

Maryann
Hi everyone, I hope you all had a chance to ask Dear Penny a question this week. If you didn’t know, we’ve had Robin Hartill, the voice behind the personal finance column Dear Penny and The Penny Hoarder’s Sr. Editor, join us in the community this week to answer all your money questions as related to COVID-19. There have been so many fantastic questions, and Robin will be available through today to answer your most pressing questions. If you haven’t already, drop by the thread and leave a...Read More...
As a newly minted pennyhoard I am most likely not the only older community candidate. However, very much in need of catching up wth skills developed since my active time in the financial industry...in just the past hour or two I’ve gotten schooled on tips, actionable advice and joined a community of sharing care people...wowRead More...
Last Reply By James Buccigrossi · First Unread Post
Hi, I owned my own business that closed in 2015. I still have a Federal payroll tax obligation to settle (I just finally settled with Illinois in December 2019!). Will I receive the stimulus check, or will it be applied to my back taxes? Since 2016, any income tax refunds have been taken to be applied towards the back taxes. And if they do take the stimulus payment for me, will they also take my daughter's as I filed with her as a dependent? Thank you so much for your time!Read More...
Hi there, @E. B. ! You should still receive the stimulus check even if you owe back taxes. The only debt that could stop people from receiving stimulus checks is unpaid child support. Since she is a dependent, your daughter won't be receiving a $1,200 stimulus check. However, if she's under 17 (and we still aren't when the cutoff will be for a 17th birthday), you should receive the $500 credit for your daughter. Owing back taxes shouldn't affect the credit.Read More...
Last Reply By Dear Penny · First Unread Post

Home Assembly Jobs

Forum: Make Money
Hell Penny, I am interested in finding legitimate home assembly jobs and would like to request that you post such types of jobs or please advise me on how to go about finding them as I have run across a few scams out there. Thank you, Motherqueen1Read More...

How many credit cards do you own?

Forum: Credit
mintjulep
As I read the Penny Hoarder posts and note the "wins" with credit card perks like cash back and the "losses" if carrying long term credit card debt, I've become curious this morning about how many credit cards PHs have open. I only have 2, but thinking about adding an airline card.Read More...
Wow! Everyone has such different ideas about credit cards. We have quite a few but really only use a couple. I use Kohl's card when I get 30% off (not every time) but we use credit cards for almost all purchases for the perks. We always pay the balance in full every month. We have gone on a few trips and not had to pay for the hotel with cash because we had points on the card. Also, my husband just got a card from BJ's (MC) that he gets 10 cents off per gallon of gas at BJ's stations and...Read More...
I have lost count how many I have, but honestly have that amount to not only boost my credit score with a low utilization, currently 9%, but to earn money from the credit card companies. I earn anywhere from $600 -$1,000 annually from sign on bonuses and cash back rewards. I rotate between which cards I used based on their 5% cash back categories. For instance, I will use the credit card that earns me 5% back on groceries for that quarter. It may not seem like much but when you spend...Read More...
Last Reply By Savingsmama · First Unread Post
Page

Recommended Book on Passive Income

Forum: Book Club
Hi all, I just discovered an excellent book about passive income by Gundi Gabrielle. I was skeptical of all the five-star reviews and while the one-star reviews do have some merit, they're the minority. The book takes you through the nuts and bolts of setting up a passive income stream, some of which require no capital and little energy, and some of which require a lot of capital and a lot of start-up energy. The book is cheap and worth a look, and can be bought as part of a series. I...Read More...
I've had some luck, but coronavirus has thrown me for a loop. I run a subscription box service for pet rats and can't get supplies and my customers can't pay the fee. Maybe once things reopen it'll change. I'm also working on a new e-book--I never thought I'd have this much time to write!Read More...
I see this post is from July of 2019 so since that time, have you earned any passive income since reading this book? I have slowly ventured into passive income mostly through social media influencing and cash back rewards apps, but would like to increase my passive income. I am currently only earning about $200-500 monthly. Just wondering if this book is worth the read?Read More...
Last Reply By BeckAtsila · First Unread Post

Support Local Businesses During This Tough Time

Moore Income
Hey all! It's been a while since I have written a post but I wanted to check back in. There is a lot of stuff going on in the world right now and I want to start off by saying first of all, be safe! Things are difficult for a lot of people financially, however, with the stimulus package coming our way, I wanted to take a moment to encourage people to support their local small businesses. The whole point of a stimulus check is to put more money into the economy, and while I don't think it is...Read More...
Thanks for posting this! This has been my focus lately. I have been fortunate through this to have just started a new job in February, which allows me to work remotely from my home. I am also fortunate that the company I work for is doing better as a result of this situation so because my position is stable, I would like to support those with less stable positions, especially local and home businesses. I have been highly encouraging my friends and family to do the same. From basic grocery...Read More...
Don't forget those mom & pop grocery stores. No reason for us to drive 10 miles into town for milk & bread if we run out as there is a local store less than 2 miles from us.Read More...
Last Reply By FreebiePharm · First Unread Post

What will you do with your stimulus check?

Hey, So, I'm curious--now that Congress has got off their butts and passed a relief bill, what are your plans with your check? I have been working to pay off credit card debt, so hopefully the check will give me a little extra to throw at it. That said, it is tempting to buy $600 worth of video games or pad Thai, LOL. I'm currently laid off from my jobs at a restaurant and a hotel, but have SSDI coming in, thank God. I also have a check from a client who owes me big in the mail. And I just...Read More...
Recent news states the stimulus check will be available to those who qualify no later than April 6th. I am still debating what to do with mine. I may pay off half my credit cards with half of it and use the other half of it for savings as these are unpredictable times.Read More...
The bill just passed the House, so the stimulus checks are one step closer to reality!Read More...
Last Reply By FreebiePharm · First Unread Post
I’m unemployed, because of the corovirus, I wanted to start selling things? Online Mercari said if I start selling they will give me $ , I don’t know how to start or have a paypal account or nothing? Need advice? Motivation?Read More...
Hi! I us tried out Mercari this week! It's convenient because they give you a prepaid Fedex label and you just drop it off. Very easy platform and they do most of the work. With the cost of shipping and a moderate fee, you probably don't earn as much of a profit as you would on another platform such as Ebay but the time to list and the work involved is only a couple minutes for Mercari. Worth trying out!Read More...
I don't know anything about Mercari, but maybe some community members will have some advice. Here's some insight on selling items online from our side gigs and careers writer Adam Hardy that I posted in a previous thread. "Amazon is pretty much out for third-party sellers who don't have essential goods. I would also recommend holding off on selling clothes because of germs. Decluttr, a tech marketplace, actually shut down temporarily amid COVID-19. But OfferUp is still humming. They accept...Read More...
Last Reply By FreebiePharm · First Unread Post

Positive outcomes of the crisis?

mintjulep
There will be some positives that come from this crisis, can you foresee some of them?Read More...
The positive is the adaptability and use of resources. When faced with difficult times, people learn to use less and spend wisely. A lesson in preparation and not to take things for granted.Read More...
I'm amazed at the ingenuity I see, especially from those who are facing a huge struggle. The restaurants that seemingly overnight went to carry out because of social distancing, the school teachers, in a matter of days, learning to do online teaching and getting the necessary equipment out to their students who did not possess it, my own bank set aside an appointment time for me for something important and we conducted it at the drive thru window very successfully. Every day I see something...Read More...
Last Reply By FreebiePharm · First Unread Post

Stimulus check

M Naeger
Is the stimulus check taxed upfront or in arrears? Thanks.Read More...
@Shannon H Thanks for pointing that out! The $1,200 stimulus check is what is NOT taxable. Unemployment benefits are taxed as ordinary income.Read More...
If you collect unemployment and receive the additional $600 weekly, that is taxable. If you collect for the full 4 months, the approximately $10,000 will put you into a higher tax bracket next year come tax season.Read More...
Last Reply By Dear Penny · First Unread Post
Apparently the 2 trillion dollar financial stimulus bill provides for an additional (federal) payment of $600 a week. What is the process for receiving this additional amount? Will it be automatic? or is there something we need to do to receive it? I'm retired on SSDI and my spouse was furloughed from his job.Read More...
@Valerie R Walsh My thoughts are with you right now, and I hope that your husband's furlough will be short-lived. So my understanding is that the $600 extra per week will be automatic. If your husband has already started collecting unemployment benefits, it will automatically be applied at some point. If your husband hasn't started getting benefits yet — and this is a huge problem because so many people haven't been able to get through to the unemployment office — the extra $600 will be...Read More...
Last Reply By Dear Penny · First Unread Post

Coronavirus - options after getting laid off

Forum: Make Money
Hey all, Does anyone have ideas for a temporary / short term job or part time job for someone who works in hotel event operations and just got laid off? With everything closing down it seems like a virtual gig is the best option but wanted to throw it out there if anyone had ideas. Thanks!Read More...
How do I apply to work for such a company? I'm losing 90% of my income and I support my baby and her dad. This sounds like a great opportunity for either of us. Please lmk...thanks!Read More...
I open accounts for an online shopping club. People shop every single month so it is a great way to create some residual income. We have products that address peoples' current health concerns: hand-sanitizer, anti-bacterial soap(s), disinfectants; along with products that will boost our immune system. People order and it comes directly to their door. No fighting the crowds of hoarders. I have been with the company for many years. I help people open their account. This is a great option for...Read More...
Last Reply By Amanda A Pabon · First Unread Post
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