Latest Buzz

FICO Score

Forum: Credit
John Donaldson
So I thought I was making a positive move regarding my FICO score and paid off my credit card balance before the statement date. My FICO score went DOWN because, they said I wasn’t showing proper use of my available credit. Their suggestion, take out a loan or open another credit card! Exactly what I don’t need. I left a small balance on the card this month and my score went back up. Go figure!!Read More...
Must be why I have never had that issue. I use credit every month. However, my credit score did fall when I paid my car off. They say the higher your score, the more little things like that affect it. So I worry less about the number as long as its over whatever the minimum is to get the best service or productRead More...
I don't plan on ever borrowing money again, so if my score goes up or down, I really don't care. I own my house and car outright so hopefully I'll never again need to purchase either one.(Plus I just turned 60 so that may be coloring my attitude). I want my debts paid off for my own peace of mind. The credit score can pound sand for all I care.Read More...
Last Reply By E Allen · First Unread Post

Great Budget Friendly Gifts

lori wulff
Most of the people today are tech savvy and easy is the key. FOR ALL. I make up "gifties" cosmetics, bath & body, haircare, and techie. Everyone loves to get a bunch of gifts, and a bunch of little helpers for daily living get used; there not gifts that get put in the closet. I suggest to stay safe and get what your people use.Read More...
I am giving one of my daughters a haircare giftie. She loves scrunchies. So, I have a bunch of them, hair oils, wet brush and i always throw in hand sanitizers, charms, and chapsticks. They love it!Read More...
I hate to say this but I have come to the conclusion that making gift bags have always seemed to come out to be more expensive than buying a gift like for my younger cousins and their kids buying Dollar stuff to go in bags is going to come o ut to idk for instance what's say $20 a gift bag by the time you put enough to make it a gift.... okay we're as I could go out and get let's say for my kid cuz i could probably get her a toy on sale for five or six dollars on sale that's normally a 20...Read More...
Last Reply By lori wulff · First Unread Post

Actual value of possible collectible $1 bills

Forum: Make Money
Hi there, I am new here. I have several $1 bills saved up thinking/hoping they may have more value that their $1 face value. Does anyone know how to find out if what I think is a collectible $1 bill is and/or how to have a realistic worth to be able to potentially sell to a collector (EBay?)? I have many that are, what I think, matching some of the collectors' wants (i.e. low serial #, quad numbers etc...) Any input would be great! i would like to either use or sell as soon as possible!Read More...
@AverageJoe It also sounds like the price of items will automatically go up, too. However, I doubt that the salary will go up.Read More...
@MsKimberly I've heard some of our legislators talk about this subject in town hall meetings and in other small gatherings. They would like to have bills in denominations of $5.00 on up to $100. They have said that even the "fiver" is almost an obsolete denomination. I don't know how they would do it, as so many low-income workers use $5.00 bills constantly.Read More...
Last Reply By MsKimberly · First Unread Post

Robert Kiyosaki

Forum: Investment
Is anyone (preferably someone with lots of experience in this area), familiar with R. Kiyosaki? He has a couple books out, Rich Dad, Poor Dad. I was looking into his investment strategies which he says are very simple and anyone can implement them. Are his strategies integral? Do they work? Still interested in clarifying the facts..thanks for any feedback. I want to invest money but in a sound & solid way...Read More...
I read Kyosaki’s “Rich Dad, Poor Dad” book a few years ago, and might have read another one of his books(I’m not sure). I believe he gives some excellent advise , such as invest in income producing areas, but I also take his advise with a grain of salt. The fact that he is (has been) investigates for fraud/questionable actions is a red flag, but always remember: innocent until PROVEN guilty. And keep in mind: many times, dov’t agencies are not always honest or competent while they...Read More...
My career was sales and most sales people are seminar/book junkies. I attended and read many and here's my take: 1. I always always took away at least 1 brilliant or motivating idea and usually it paid for the seminar or book; 85% fell in that category. 15% presented 2+ brilliant or motivating ideas and were jackpots. 2. I always wondered why the seminar teachers were teaching and authors publishing instead of doing whatever made them raving financial success stories. One can not have too...Read More...
Last Reply By B.L. Johnson · First Unread Post

Help

I am elderly it gets harder every year to make ends meets no matter how I budget, trying to save is futile the best I can do is live month to month.Read More...
GoodRX is an app that will save you a good amount off of prescription co-pays.Read More...
Also check with your utility companies. Most do have senior assistance when it comes to bills and other services that can assist with your expenses. Especially when peak seasons arise. If you have internet, check your provider for cheaper options or promotional plans. And think about a different cell phone service especially if you are not a heavy user in the full course some service providers charge for. Budgeting can only take you so far, so I understand that frustration. Since raising...Read More...
Last Reply By Leslie Kay · First Unread Post

From where to buy LED lights?

stellajames942
Greetings everyone, I am looking for home decoration LED lights for Christmas I found some good on Christmas coupons at Reecoupons, these are 1. Brite LED Lighting 2. Bulb America 3. Bulb Concepts 4. Bulbtronics Can you guys suggest me which one is better and long-time use, I also don't have any experience to buy from an online store, But there I saw good user reviews too, Here anyone has any experience to buy anything from there? If yes then plz let me know.Read More...

Home Meal Delivery

Jeanne Featherston
Has anyone tried the home meal delivery companies? I was gifted a free week and am trying to make a decision about continuing. I live alone and do maintain a grocery budget...and do enjoy cooking. From what I see I can stop and restart the subscription so I'm not overloaded. The freebie did include a lot of product-it was three meals for two which meant six meals for me. It included the protein, veggies, and numerous things to complete the menu-things like small sour cream, chives, garlic,...Read More...
no dearRead More...
I've loved Sunbasket & Greenchef because they have organic offerings -- Sunbasket being the most flexible with different options!Read More...
Last Reply By stellajames942 · First Unread Post

Welcome, Maryann!

Ashlee
Happy Friday, Penny Hoarders! I’d like to introduce you to our newest community ambassador, @Maryann . Maryann meet the amazing Penny Hoarder community, community meet Maryann! She’ll be an additional resource for you all by helping me answer your questions and post important announcements. I’m not going anywhere, and will be still be around getting to know you all. Join me in giving Maryann a warm welcome! Cheers, AshleeRead More...
Great meeting you too, @Moore Income ! Thanks for coming out to support. Hope you enjoyed the event. Look forward to connecting more here!Read More...
Hey Maryann! Welcome to the community! It was great getting to meet you at the Brews & Side Gigs event and I look forward to connecting with you on here.Read More...
Last Reply By Maryann · First Unread Post

401k vs. 401a

Forum: Retirement
Hello Community! I currently work two jobs, full time for State Government and Part Time for a retail store. I am enrolled in a 401a retirement account with my full time job and a 401k account with my part time job. Could any of you explain the difference of these two? Especially with Regards to my taxable income amount.Read More...
From the research I did it appears that the two plans are similar but there are a few things that set them apart from each other. 401a plans are generally offered to government employees while 401k are offered by companies in the private sector. 401a contributions are usually mandatory while 401k are optional Investments in a 401a are generally more conservative than the ones in a 401k I read several different articles on the topic but they all pretty much summed it up the same way. Feel...Read More...
Last Reply By Moore Income · First Unread Post

Anyone heard of Loved Investing app? Thinking of gifting my niece a $5 stock this christmas

Forum: Investment
Hi - Came across this app Loved which lets me gift stocks to my younger family members. Has anyone had experience using it? It seems like a COOL way to gift so that younger family members sort of have a matured portfolio when they turn 18. Please share if you have used this app.Read More...
I just realized they are only available on iOS, I have an Android so it wouldn't let me signup. Lucky for me, my wife has an iPhone so I will still be able to test it out but I figured it was worth mentioning in case anyone with an Android was hoping to try them out. They do say on their site that they are working on an Android app though.Read More...
This is my first time hearing about it but it does seem like an interesting concept. From what I can tell they claim to be 100% free to use which is one of the first things I look at when investing with any app. There are so many free ones out there so it really doesn't make sense to have to pay for these services. I don't have any personal experience with Loved but I always try any new service I come across so I will definitely let you know how it goes.Read More...
Last Reply By Moore Income · First Unread Post

Looking for Air miles flight hacks

Cali_Karley
Hello Penny Hoarders, I'm looking for some help with travel hacks, specifically air miles. My good friend is getting married in April 2021 and she lives in Georgia, I'm in California so I know the air fair is going to be pricey. (I'm also going to be in the wedding and know costs will be high.) I'm looking to get a credit card so I can save on my travel, in the long run I mostly use SouthWest air lines because of my location and was wondering if you had any advice on how their points work.Read More...
We started using a Southwest Visa for any bills that will accept it for payment and stay on track with total by not rolling over balance and writing the amount out of our checkbook as we normally would. We also use it for most online shopping or large purchases and again pay the bill out of our checking right away to not carry a balance.Read More...
I know that my mom has a Southwest credit card and racks up lots of points on it by putting just about everything she can on the card. Southwest seems to be a good airline, but one of the things I don't like about them is their lack of assigned seating. You may also want to look at www.expedia.com , www.travelocity.com or cheapair.com . I'd also recommend playing with your dates and times to see where you can find the best rate. Watch out for credit card miles rewards programs, which often...Read More...
Last Reply By Jennifer R. · First Unread Post

What do you do when you have a surprise expense?

Forum: Budgeting
Melissa
What do you do when you have an expected expense? Do you pull money out of your savings to pay for it? Or do you put it on your credit card?Read More...
We try to anticipate large expenses and save accordingly. (Not always accurately.) Before we had a slush savings account to cover unexpected expenses, we would just skim off the accounts we had and cut back on cash purchases, like food and clothing until it was covered. Medical expenses are a whole different thing. When we had our first child, he was a preemie with a cataract. We spoke to the hospital and eye practice frankly about our financial situation. They were willing to accept...Read More...
I use a combination of credit cards and savings to deal with unexpected expenses. I have two credit card balances right now that I'm paying on, slowly but surely. Within the last few months I had a situation where my escrow account was short and I had to pull $3,000 from two separate accounts. So know I'm a huge believer in having savings accounts even though I do have some credit card debt (which I'm paying on).Read More...
Last Reply By Olivia · First Unread Post

job search/resume/cover letter

slynneh 25
on the job hunt and all the specifics of what u should or should not do or include/not include gets confusing especially with so many "experts" differing on their opinions. i have finally got to the point of submitting resumes on sites like indeed, glass door etc but hit a wall about a cover letter...yes?no?how?do u include as part of uploaded resume d Or do you type out something in the space they provide in the additional information section? Should you even bother with a cover letter if...Read More...
It depends on the position. If it’s a manager position or above, then a cover letter is typically a good idea. Otherwise, it’s probably a waste of time unless the job ad specifically asks for one. If a cover letter is needed, keep it simple, but customize it and include information specific to the position you are applying for (i.e. your relevant experience or skills/attributes, your passion for the type of work, why you think you would be a good fit for the job, etc.).Read More...
Hmmm, a really good question! I would say it depends on the job vs position (career). If a simple task job like working at McDonalds, then, no, a cover letter would not be necessary. A basic resume is all that is needed with just the facts and dates pertaining to potential employment there. If going after a position/career then the potential employer would want to know if you are capable of the communication skills that would be of benefit to the company. The potential employee-through the...Read More...
Last Reply By Liz Anthony · First Unread Post

education

Sharon L Greene
I would like to know the colleges in my area that offer courses with free tuition for seniors. I live in West Virginia but am close to Maryland, Virginia and Pennsylvania. Thank you!!Read More...
Hi Sharon! This article from The Penny Hoarder may help. It lists out free courses by state too. https://www.thepennyhoarder.co...for-senior-citizens/Read More...
check out community colleges and state universities. Call the admissions offices.Read More...
Last Reply By Maryann · First Unread Post

Car Insurance

Forum: Insurance
I shop insurance rates every few years and had a thought. Is it a gamble or a smart move to buy the lowest coverage that's legal and then buy an umbrella policy to cover you and your assets should the worst case scenario occur?Read More...
Thanks for the input...my agent kind of hemmed and hawed when I asked him his thoughts. Of course, it would cut into his commission.Read More...
Last I checked with my car insurance, they didn't sell umbrella unless you got a higher coverage. I think thats with most insurance. So you won't be able to get the minimum on the regular insurance and an umbrella coverage.Read More...
Last Reply By Eubie12 · First Unread Post

Narcissistic bosses

Bobbie Kehoe
I'm just wondering if any of you have had a narcississtic boss. How was that? Would love to hear more about itRead More...
I've had one narcissistic boss who was also the owner, and it was the only job I was ever fired from. Ironically the day I after I was fired there was a business article in the local paper about my sales ranking and awards within the company which had been submitted days earlier. I couldn't have asked for a better "stick it"! He and I clashed on ethics, something I've never felt I needed to compromise in business or personal life. I wasn't the only person he tried to control to his...Read More...
My friend's daughter is going through the learning experience of narcissism from her soon to be ex-husband. He is insecure, jealous, and trying to isolate her-making her off balance and think she is the one with the problem. This escalated. In my opinion this could have been avoided by getting to know the person you are going to take vows with for a long period of time-years. That way you can see how they handle stress, finances, relationships, and of course family. Before the marriage, they...Read More...
Last Reply By mintjulep · First Unread Post

Selling my Timeshare

Debra Benigno
I want to. sell my Marriott timeshare. I don’t hold a mortgage on it. I pay an annual fee of $1400. My deeded week is platinum, is lifetime and can be passed on after death. Marriott no longer offers this option. I’ve been an owner for 17 yrs. The timeshare no longer fits my life style. Any suggestions? Timeshare Companies want $1500 upfront, before they sell.Read More...
Well, it’s a Marriott you get what you pay for. Your paying for the amenities they offer, guaranteed. Renting on a daily basis is way more expensive.Read More...
Everything I have seen over the years makes me very cautious. I would even be uncomfortable with Air BnB. Yes, I have been enjoying the moon and the cool brisk air. Hope you are, too.Read More...
Last Reply By Debra Benigno · First Unread Post

free tuition for school i'm a seniors.

Forum: Retirement
Christopher Gaffney
looking for schools for seniors with low or no tuition.Read More...
Ivy Tech community college (Indiana) offers free tuition to seniors 60 and up. Their website says: Indiana citizens 60 years of age and older can take credit courses at Ivy Tech tuition-free. In order to qualify for this program a person must meet the following requirements: Be an Indiana resident Be 60 years of age or older at the start of a semester Possess a high school diploma or GED Be retired from their primary vocation (does not apply to homemakers) May not be employed on a full-time...Read More...
At UBTech in Utah, their policy for Seniors is: "Senior Citizens (62 or older) will receive an 80% discount for individual classes. Enrollment will be allowed on a space-available basis. Community education and other self-funding classes are exempt from the senior discount." This is listed in their catalog on page 12: https://www.ubtech.edu/wp-cont...nd-Catalog-Nov-1.pdf I would imagine other community/technical colleges in Utah could have similar offerings, the best place to check would be...Read More...
Last Reply By Mad · First Unread Post

Knock knock. Who's there? New Forums!

Melissa
Knock knock. Who’s there? Mustache. Mustache who? I mustache you a question, are you ready? Ready for some new boards? We have three new topics that are open and ready to hear your thoughts: Bank Accounts, Insurance and Entrepreneurship. Do you have any bank accounts that you love? How do you pick your insurance? Any entrepreneur advice? Let your voice be heard. You can find these boards under the SHARE drop down menu. If you have any questions, please feel to reach out to Briana or myself.Read More...
I’m looking for tips and comparison chart type of information for renters insurance on a budget of course. If there’s already topic like that I was unable to locate. I only found life, car, homeowners, pet and disabilityRead More...
Insurance would be an interesting topic. I have had insurance though work for the last 25 ish years, and have noticed that in the last 5, man, has it gone downhill! I'm paying a lot more for A LOT less and its frustrating. My clients use the Marketplace, and in NH, there are very few choices.Read More...
Last Reply By Alisak · First Unread Post

What do you do with your junk mail (paper mail)?

Wondering how everyone feel about so much junk mail we get. Most people I have come across hate it but a few of them like browsing through it. I am just sad how much paper is wasted.Read More...
If there is a “postage paid addressed envelope” included I stuff as much of it as I can into it and mail it back to them with some sort of a note like do not forward or no more spam please. Believe it or not it works in two ways first by using then by preventing at least some junk mail. Digital junk mail aka spam is a different topic altogether.Read More...
Interesting, thanks for sharing!Read More...
Last Reply By Alisak · First Unread Post

Instacart

Forum: Make Money
hi, does anyone here shop for instacart? I was thinking it could be a good side gig for me but I want more info first. 😉 Thanks!Read More...
ON A CONTINUING BASIS, YOU SHALL BE SOLELY RESPONSIBLE FOR, AND TO THE EXTENT REQUIRED BY LAW: A. SECURING AND PAYING FOR WORKER'S COMPENSATION INSURANCE; B. SECURING AND PAYING DISABILITY INSURANCE, HEALTH INSURANCE, AND/OR OTHER SIMILAR INSURANCE; C. SECURING AND PAYING UNEMPLOYMENT OR OTHER SIMILAR INSURANCE CONTRIBUTIONS; D. SECURING AND PAYING ALL NECESSARY LIABILITY INSURANCE FOR YOU AND ANY PERSONNEL; E. SECURING AND PAYING FOR AUTOMOBILE INSURANCE IN COVERAGE AMOUNTS CONSISTENT WITH...Read More...
Since I started delivering for Instacart some time ago, they have implemented something in their app that allows you to pick up any extra orders that people scheduled to work can't do. Since then, I have never scheduled myself for shifts but rather just picked up any orders that I had time to do. I really like the flexibility this allows and it means you can choose to do delivery only orders or do orders that include having to shop for the items. This way, if the distance for delivery is too...Read More...
Last Reply By Leslie Kay · First Unread Post

Need to make fast money, legally! Lol

Forum: Make Money
Teresa Myers
Hi everyone! I'm new here so I'm not sure how this works but hopefully I can get some ideas on how to make some fast money the legal way. I'm in need of a place to live ASAP.. currently living in a motel.. and my car needs work and I have to get my suspended license , unsuspended by next month 12-19-19!! Please HELP ME! !IM SO STRESSED OUT 😫😫😭 ANY ADVICE PLEASE!?! ?THANK YOU SO MUCH! 💯❤️😘Read More...
In Michigan, I only have jobs $10 or less.Read More...
I just downloaded Easy Shift and the prices I'm seeing are like $8, nothing more than $10. So you must have a better selection where you live. I'm in Orlando, FL.Read More...
Last Reply By Leslie Kay · First Unread Post

Higher Education

Forum: FAQ
Barbara Moon Batista
I would like to earn my MFA but having trouble finding an online study course that has senior discounts or no fees. I am interested in online as it doesn't limit geography. I am in the Monterey Bay area. BarbaraRead More...
At this link, you can find a list of online MFA programs. https://www.guidetoonlineschools.com/degrees/mfa I do not know about senior discounts, however. If you have a lower income you could fill out a FAFSA and see about grants or federal loans, as options.Read More...
Hi Barbara! I took a writing course through UC Berkeley Extension even though I live in Florida. It was online. I recommend them, but it wasn't free. You could inquire about any senior discounts they may have. Here is the link to the writing certificate program website: UC Berkeley Extension . They have writing certificate tracts that help prepare writers for applying for an MFA. Good luck!Read More...
Last Reply By Leslie Kay · First Unread Post

How I Paid Off My Student Loans By Selling on eBay

Forum: Make Money
Six on a Budget
As a stay at home mom of four kids, I've been selling on eBay for about ten years. I paid off my student loans in 18 months! It has been a flexible, lucrative option. Here are details of how you too can get started: https://sixonabudget.com/i-pai...-a-stay-at-home-mom/Read More...
I tried to look at your website but there seems to be a security issue.Read More...
You can use Ebays discounted shipping by printing right from the item. Using USPS preset priced and sized boxes, especially if the item is heavy. Buy a scale when you are starting out. I was stung a few times by heavy items that wouldn't fit in preset boxes and had to travel cross country.Read More...
Last Reply By lismox · First Unread Post

Side Gig - Census Worker

Forum: Make Money
SSD
Hi All, Just wanted to post a flexible side gig: https://2020census.gov/en/jobs.html Pay varies according to the county you reside in.Read More...
The first timers in my county get $19 an hour. The pay varies by State and county and you do have to walk a lot. The pay by county look up tool is here: https://2020census.gov/en/jobs/pay-and-locations.htmlRead More...
I have suggested this to a few different people and all I hear is negative comments about it is dangerous parts of town and the people don't want to cooperate so you just walk around in the cold for hours. The $16 hr is for the Supervisors. the workers are $10-$12 range for first-timers. I thought this would be a great side gig and would look good on someone's resume! If you need a job I believe you can find work if you open your mind to all opportunities.Read More...
Last Reply By SSD · First Unread Post
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