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Financial websites?

R Hopkins
This info is probably on the site somewhere, but I couldn't find it. What are people's favorite personal finance websites? Other than Pennyhoarder, of course. NerdWallet, Credit Karma, etc. ... what else, and what do you think of them?Read More...
Nerdwallet is the best. Their content is really good and understandable.Read More...
I absolutely love The Dollar Stretcher; been subscribed since around 2005.Read More...
Last Reply By adcf292 · First Unread Post

Switching car ownership

Susan Ortiz
Hi everyone. I have a question that no one seems to have an answer to so I'm hoping someone here can help. I financed a car for my daughter a couple years ago, her senior year, she is now 19 and wants to put the car in her name to help with her build her credit. The problem is no one seems to know how to do that with a car that still carries a balance. One person told us to trade it in and then put her down as a Co-buyer, then in a few months she could re-finance but that seems like a lot of...Read More...
Contact the lienholder which I am assuming is a bank. She will need a new loan that she qualifies for on her own merits and then they will transfer title to her name and their name. You cannot do anything without the lienholder/bank driving the transaction. Because no one can get them off the title so that you could make any changes.Read More...
Talk to a notary that handles car registrations and explain the situation. We had a similar problem in the family a few years ago and the notary was just great, she knew exactly what to do. If the notary can't help you they should at least be able to give you some suggestions as who to call. Lien holder would be one, I would imagine, if they are holding the title.Read More...
Last Reply By Leslie Kay · First Unread Post

Tips on using liquidation.com

Forum: Make Money
Leslie Kay
Can the group give me some tips on buying from liquidation.com? I have enough profits together to buy a nice sized returns bundle or similar but I don't want to buy some things that turns out to be worthless or useless, Thank you. What about Amazon returns? how would I go about that?Read More...
I only bought new items but fell into the cheap Chinese quality situation. I had been bidding on a pallet of clothing thinking it was returned goods but it turned out to just be USED clothing for kids. The bid ended and I didn't have the funds available the date that was required so I asked for a 2-day extension on payment. Well, they said no to that and my punishment was that they completely closed my buying account. It actually probably saved me $350 that I'd never make on a pallet of name...Read More...
Liquidation.com is my main place to source. I buy Amazon clothing returns.Read More...
Last Reply By Leslie Kay · First Unread Post

Life insurance for grandchildren

Forum: Insurance
Any tips on the type of life insurance for grandchildren, amount and most of all the best insurance company?Read More...
Look to see if the parents have term insurance. They can add a rider to their existing insurance for much cheaper than The while life options offered by a baby food company. Only thing a child would really need to cover is burial. If you are looking at providing money long term look at opening a college fund, the money will be much better spent. Whole life is a horrible vehicle for investing and life insurance.Read More...
You might want to check out Gerber Life Insurance plans for children... they've been specializing in this for a very, very long time (mom took policies out on all us kids when we were born in the 60s). After I got married my folks gave me the policy and I cashed it in to help buy our first house. It wasn't a lot of money, but was certainly appreciated. Grandparents are eligible to insure their grandkids, too. https://www.gerberlife.comRead More...
Last Reply By Kirk · First Unread Post

I'm new here.

Tourette Tic
I was recommended this forum for people that are disabled (SSDI) I keep getting the run around and have a profound case of Tourette Syndrome. I am 40 years old and am highly educated (7 years full time in college.) I can not meet ends meet and I have my partner and here 3 kids, two in college now. I swear and violently jerk and make load sounds tics. It took me 8 years to be awarded SSDI back in 2008. I cannot afford to take care of my partner and her 16 year old kid on my meager $1200 a...Read More...
@Tourette Tic I'm so sorry to hear that you suffer from Tourette's. We have a very dear friend who was one of our professors in Bible college who has it. I'm not sure what position he holds now, but I do know that he was always cognizant of what could happen. He told us if we asked, and nobody ever made him feel like less of a human being. I hope and pray nobody ever does you, either. As the previous poster said, snap is often available, and many times there are many great attorneys who are...Read More...
This form is not specifically for disabled individuals. It is for anyone who wants to save money in one way or another. You may be able to get state funds, medicaid, and food stamps aka snap to supplement what you have now. Sometimes local churches will help, too. I am so sorry for what you are going through.Read More...
Last Reply By AverageJoe · First Unread Post

Making extra money

Forum: Make Money
I know it has been asked alot. But I would like to see more ideas for someone on ssi to be able to make spare money to get by on or even have a life after paying for all the bills. I have kids at home and after everything hardly anything left but food and gas and it's not enough anymore. I have right under $60 left till the 3rd or when ever it comes in. I do surveys but they have gotten stupid. All or most are based on points or they want you to do one for less then $2 for almost an hour. I...Read More...
I would like more information as well!Read More...
I am interested in learning more about these. Please let me know.Read More...
Last Reply By Michele Frank · First Unread Post

Mounting medical debt in collections..

Forum: Debt
Juleigh Hastings
Hello! I just joined today..finally! I have an enormous amount of medical debt. I made the very immature mistake of basically ignoring the bills, plain and simple. Because of this choice, my credit is back down to the mid 500's. My husband and I declared Bankruptcy 5 years ago as a result of both of us losing our careers, within seven weeks of one another. We lost everything. I mention the devastation of job loss, Bankruptcy, because I get told to "claim BK" quite a bit when I talk to Debt...Read More...
@Julie Hastings, Have you applied to Medicaid? I don't know how it works, but I once had it years ago and if I remember correctly, you can take your bills to them, and if you qualify they will pay them and put you on Medicaid. You must qualify for Medicaid annually. As a senior, I now receive Quality Member Benefits but no Medicaid. Both come directly from the DC government Office of Financial Services. I applied for QMB when I learned about it a couple of years ago, and I suspect it is a...Read More...
I would also recommend trying to negotiate a payment plan with the medical billing agency or hospital or doctor. We went through this in the family and while the medical provider was a local hospital and probably easier to deal with than some distant collection agency, they were willing to accept reduced payments. Creditors, for the most part, would rather you pay something rather than nothing. If you get an agent on the phone who flat out tells you you can't do that, insist on speaking to...Read More...
Last Reply By Andra Powell Henderson · First Unread Post
Hey Hoarders! I've been pondering a lot lately about different side hustle strategies to bring in some extra side income each month. I've been incredibly inspired by successful bloggers who have managed to take their hobby and turn it into a profitable business, raking in thousands (and sometimes tens of thousands) each month. I'm interested to hear from other bloggers who have used this strategy successfully and whether they have any insights into how to make it work? I recently wrote an...Read More...
@TheSavingScientist, Great idea; subject. I have often thought of blogging; have several but they went nowhere because I feel I don't have anything of interest to blog about. I am all over the place. I am retired; on a small stipend as I did not really understand nor plan for retirement. I have been a nontraditional learner while being a divorced mother of three; had to stop out of school but returned; now have three degrees from American U, and almost a PhD...stopped out; got sick. Became...Read More...
I wonder how much people really make on blogging.Read More...
Last Reply By Andra Powell Henderson · First Unread Post

Starting an organization business

JoanV
I love to hear your opinion about starting a small business as a professional organizer. All tips are welcome.Read More...
Thanks, I'll go that.Read More...
I'd check out NAPO - National Association of Productivity & Organizing Professionals. Here's their link: https://www.napo.net/ .Read More...
Last Reply By JoanV · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
We’ve survived another week and made it to Friday Penny Hoarders! Anyone else a holiday procrastinator like I am? Thanks to our Daily newsletter, I was reminded that there are only two weeks until Halloween - EEK! I still have no idea what I am dressing up as but want to take a more budget friendly approach with my costume this year. What are you all dressing up as? Do you have any tips for creating a fun costume on a budget? And now for this week’s announcements… Grab your library cards...Read More...
That is awesome you were able to apply what you learned reading about investing and come out on top. Saving $1,000 is no easy feat! Thanks for sharing your two cents. We may need to start a Penny Hoarder Community money book club to discuss all of the great books out there! Happy early Halloween! Love that you want to include your pets in your costume.Read More...
@BeckAtsila , Kiyosaki isn't always to be taken at his word. I'm not saying he's a liar, but some investigation needs to be done before following anything he suggests. Motivational speakers earn most of their income from just that...motivational speaking and their ability to sell books or information they've either written themselves or have had a ghostwriter do for them. I don't think in my nearly 60 years of life that I have found ONE of these types that have given the truth about...Read More...
Last Reply By Ashlee · First Unread Post

Finding a mortgage company on line!

So many fake everything is quicken a great mortgage company for refinancing & etc.Read More...
I've not personally used any online mortgage company but have heard good things about Quicken. I think if you have a good credit score, a good debt to income ratio, and funds to close (be it down payment or closing costs) there are a few good online mortgage companies. If you have issues with any mortgage qualifying procedures or requirements, I don't think you can beat a hometown, well experienced mortgage broker or small bank. Most of them allow you to submit docs online anyway, and I...Read More...
Last Reply By mintjulep · First Unread Post

How to launch a subscription box.

Hi everyone! Sorry for the radio silence lately--I've been both extremely busy and barely working, and trying to figure out a way to make some money. Anyway, one idea I had was a subscription box for pet rats--Facebook has a huge pet rat community and I want to tap into that. If anyone wants to know how to launch their own subscription box, be it a Ramen of the Month or Rat Treat of the Month, let me know. I'll be happy to help you through the process. My passion is my pet rats. They're a...Read More...
It's kind of like HelloFresh in that it's a box that comes in the mail, but for different things such as hot sauce or Austin, Texas-themed merchandise. Check out Cratejoy.com for more info--and to see the one I'm offering.Read More...
Sorry to have to ask this but what's a subscription box?Read More...
Last Reply By BeckAtsila · First Unread Post
I am 55 years old. I am being offered an early pension payout with the following options: Take a lump sum of my pension (~$30,000) now, before age 60 and roll it directly into an IRA (and thus be subject to the restrictions of the IRA on when and how much I can withdraw and selection of investments). No penalty or taxes withheld. Take a lump sum and roll into a currently active 401K plan (no penalty or taxes withheld) - however, I am currently unemployed, so unless that changes, this is not...Read More...
Never, ever cash out and pay penalties and taxes! Is this pension one that you would receive the monthly for the remainder or your life? If it is and you are in good then I would leave it where it is and draw at age 60 if no difference in the monthly amount between the ages. IRA rollover has potential if you are comfortable with some risk....if the economy turns and investments drop then you could lose a chunk of that money....Read More...
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...Read More...
Last Reply By Shannon H · First Unread Post

Selling moms house

Forum: Retirement
I am getting some money after the house sells. I plan on hopefully retiring in 3 years. Should I put the money towards paying off my mortgage or into my 401c?Read More...
My mom is deceased. The house was left to 4 of us. She had no mortgage as it was paid off. I meet with my lawyer Wednesday. Hopefully he can help. Thank you!Read More...
I am not an accountant, and this is not tax advice: One thing of importance is who is the owner of the home. If your mother is deceased and you inherited the home recently, you will probably not owe any taxes. If your mother is still living, and it is in her name, and she owned it for a number of years, there could be capital gains taxes on a large portion. It can be worth checking with your CPA BEFORE selling the home to make sure there isn't something you can do to mitigate the tax...Read More...
Last Reply By Suzzzzzz59 · First Unread Post
Currently, I have a huge collection of educational video tutorials that have to be monetized without the help of youtube. Please recommend an alternate video platform to host and monetize the videos with a subscription-based revenue model.Read More...
Video use in education can be “highly effective.” It really helps students to learn, supports different learning styles, and allows for innovative teaching methods. It brings a more valuable option for your video business. Creators who own a huge amount of educational video content can utilize their own video platform to host and maximize the revenue. You could be built with own educational streaming platform with Vplayed You can maximize your revenue through various monetization models like...Read More...
Last Reply By John Smith · First Unread Post

Parents of a Child with Disabilities - Finding Good Work is HARD!

Forum: Make Money
A.Gonzalez
Hi everyone, I am wondering if anyone has any ideas to contribute to my current situation. My husband & I have 1 child (my stepson but we have full custody & the mother is not involved). He is 12 years old & has Spinal Muscular Atrophy Type II, a rare genetic condition that causes his muscles to deteriorate over time. He is in a power wheelchair & needs help with virtually every physical task (mentally he's beyond his peers - he skipped a grade, he's in normal non-special Ed.Read More...
Hi! I'm I'm sorry for what you're going through. A friend of mine compiled this list awhile ago and it's very helpful! http://www.3withadhd.com/resou...inancial-assistance/ I hope it helps! Please share if it doesRead More...
Yes, look into waivered services for your child. It will depend on your state and county. It has been a godsend for us. Also, look into pca services, respite, and ask you county worker what else is available. Talk with parents in your area and find out what is available. Other parents are a fantastic resource. Good luck!Read More...
Last Reply By Jc4017777 · First Unread Post

SSI/SSDI

KellyFromKeene
I just wanted to share a really informative article this week in TPH: https://www.thepennyhoarder.com/make-money/side-gigs/can-you-work-while-on-disability/?aff_id=86&aff_sub3=118394&aff_unique2=ITR-1747276&utm_medium=email&utm_source=daily&utm_campaign=daily20191018&utm_content=makemoney&sms=unsubscribed I work in the field and find the distinction confusing, and Adam did a great job explaining it in layperson terms. I sent the article out to several of my...Read More...
Thank you so much for sharing, @KellyFromKeene ! Glad you found it helpful.Read More...
This looks like a fine article. I have been wondering about that. This is one I will be sure to read. Thanks so much!Read More...
Last Reply By Adam · First Unread Post

Employment in the trades

Forum: Make Money
KellyFromKeene
I love stories like this. https://www.thepennyhoarder.co...%7B%7Bitr_uuid%7D%7D The trades are so, SO important and often overlooked by people considering careers. I'm encouraging my kids to go in the trades. (Not too much pushing though, you know teenagers!) Anyone here work in the trades? I'm a Social Worker, so not me, but my man is a Lineman. The money is great, the toll on his body, not so much; but its been a good career for him. If you are in the trades, how did you get into it? Would...Read More...
My husband is an A/C guy. I have a master's degree. I've dated an engineer and a lawyer in the past, and those relationships didn't last. I'm happy for the most part, and he makes money to support us (more than I make), and we own a house together.Read More...
Hubby is a licensed electrician and we opened up our own electrical contracting business from home. Now that he's getting older and no longer wants to physically do the work anymore, we have transitioned to doing estimating and job/material tracking for the labor companies. It's so wonderful to do trade work from home. He will do some electrical projects on the side. And we're about to transition again to small real estate investing projects where we take the electrical and also invest in...Read More...
Last Reply By lismox · First Unread Post

Making money online

Forum: Make Money
Chimalita Nathan
Hi everyone, I'm Chimalita. I'd like to know the list of Free legit online businesses where one can make enough money a day without being afraid of SCAM.Read More...
I know that datadigger.com is one. I usually check out The Penny Hoarders list.Read More...
Here's a link to the Penny Hoarder's work from home page: https://www.thepennyhoarder.com/wfh/ https://www.thepennyhoarder.co...work-from-home-jobs/ Good luck!Read More...
Last Reply By lori wulff · First Unread Post

Raise credit score

Forum: Credit
Jacqueline Miller
I have had recommendations to get credit cards to help build my credit but each time I try to reply, per credit sesame recommended companies, I am denied due to my score. How do I correct this?Read More...
I am disabled, (have been since 2000.) I am am on SSDI and make too much money to get help with Medicare premiums. I pay over few hundreds a month to cover Medicare and am no longer eligible for Medicaid. I cannot pay my bills and still have money for food. I live in the state of Ohio and did make over 1200$ a month before Jobs and Family service cut all aid to me. I am lost and hopeless. Please, I need help.Read More...
SS does do this. As you know, you have to comply with all sorts of paperwork and reviews, and they have deadlines and notice dates. My suggestion is to do what it looks like you were doing- go to the SS office and find out what happened, why, and what you need to do to get back on. Do you have a re-payee? Send them if you need to. Do you have 211 for assistance or information in your area? Call it. Do it soon, because this is a process. There is no quick answer that I know of.Read More...
Last Reply By Tourette Tic · First Unread Post

Self Employed Medical Insurance

Forum: Insurance
Ana24
Hello everyone, I am a stay at home mom and my husband is a self employed I was wondering where do you go to look for a Medical insurance for self employed? Any information will be very helpful and will be appreciated. Thank you in advance.Read More...
Hello Ana24 I would suggest Medishare or Christian Healthcare Ministries. These provide coverage the same way an insurance provider does, and qualify as insurance for those who need proof of coverage. They are much more affordable and they offer community support as well. Definitely worth trying!Read More...
When I have been self-employed, I have never used the Marketplace options because I could get coverage more reasonably priced through a regular independent agent who offered plans from several providers. I like using local, independent agents as they usually work harder to find the right mix of coverage for me.Read More...
Last Reply By IrishRose · First Unread Post

Teaching Your Kids to Save: I am a Bit Confused (HELP)

Forum: Save Money
Elice Max
Hello everyone, Hope you are fine. I have a question! I am trying to teach my 10-year-old how to save. But so far it’s been a total bust. I gave him $5 and told him to spend it through the week. He handed the money to his elder brother on the VERY FIRST DAY and got himself candy bars, chocolate, and other junk stuff. I came across this article about teaching your kids about money-saving which has some interesting points. For instance, I’m definitely getting him a savings jar. But I’m open to...Read More...
I love the idea of the moonjar for my grandchildren, but feel it's a little pricey for what you are actually getting (according to the pictures on the internet). I think I will go the extra mile and make them something according to their interests. Hopefully, I will be saving as I am teaching them to save and it will have that personal touch.Read More...
I love this, it's called a Moonjar, and it's available from Amazon.com: Moonjar I gave this to my niece. It has slots for spend, share and give. It's cute and I highly recommend it.Read More...
Last Reply By dboothe · First Unread Post

Make money to support my college needs

Forum: Make Money
Tehreem Umar
Hey its Tehreem! I am financialy disable these days to support my college needs. I am desperately in need of a online job and want to do it in my time as I don't have a fixed routine. I am good at writing articles specially on social topics. I would be overwhelmed if you can guide me to a authentic and promising forum. Thank you!Read More...
Thank you! Yes I want to do something that does not effect my studies.Read More...
Try to check Upwork for some freelance content writing job. Make sure that you will be able to manage your time studying and working at the same time.Read More...
Last Reply By Tehreem Umar · First Unread Post

Google My Business Listing

Why haven't more businesses claimed their free Google My Business listing? It seems to me to be a very effective way to establish a profile to allow your prospects to find you and learn about your business.Read More...
Your business must be listed in Google My Business if you want to be found online in a local search. Unfortunately, most businesses don't understand it's incredible value, and that's why, they ignore it.Read More...
I couldn't have said it any better!Read More...
Last Reply By Beth Worthy · First Unread Post

Refinancing Auto Loan

Forum: Debt
Melanie T
I financed a 2017 car in May of this year. My rate is 11.9% being that I didn't have an excellent credit score, and I only began building my credit around two years ago. I know that the rate is fairly high, and have seen how I am paying more interest than the principal balance every month. Please share your knowledge, as I am new to this credit game. When is it a good time? Should I shop around? Anything else helpful? Thanks in advance!Read More...
I am new to this game of investing. In my country I have tried to invest but the problem I'm having is the economy melt down presently. Things are very hard...Read More...
If you're member, refi w/credit union.Read More...
Last Reply By Alfred Smith · First Unread Post
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