Latest Buzz

Credit Score Question

Forum: Credit
Tiffany Diamond Lebowitz
Does it make a difference in your credit score if you pay off credit card debt on one that is charging interest vs. one that is currently not? I am going through a divorce and have the means to pay off debt but the one with interest is in my name, that my ex will be responsible for...which one should I be paying??? And does the amount in which you pay off cc debt per month make a difference in your score?Read More...
Pay the one with interest off first. The reason I say that is the company that's charging interest, that company will nickle and dime you to death with interest and two, the company is making more money by the interest they charge, in essence you wind up paying more than you originally paid.Read More...
Re: Credit Score QuestionRead More...
Last Reply By Prince_Alarming · First Unread Post

This week in... The Penny Hoarder Community!

Briana
Happy Tuesday, Penny Hoarders! Welcome to your weekly dose of announcements, top discussions, and threads that need YOUR help! Announcement 1: We’re still looking for members to share their thoughts on the new community with us! Interested in recording a short 1-2 minute video where you’ll get to talk about how you found the community and what you like the most? We’ll use these videos to share with the company and other potential new members! Interested? Reach out for more info! Announcement...Read More...
Brianna am interested in the second announcement!Read More...
Like the idea of a Penny Hoarder feedback group.Read More...
Last Reply By Prince_Alarming · First Unread Post

8/19/19 article about Life Insurance

Forum: Insurance
Ronald J. Genzer
Your statement that Term Life premiums aren't very expensive is a little too simplistic. At younger ages term life premiums are relatively inexpensive compared to whole life premiums but not at older ages. I had a $50k annually renewable term life policy and the premiums got to be over $500 per month before I dropped it.Read More...

Angel investors

Forum: Investment
Does anyone have any information on how you can get started to becoming an angel investor with a minimal investment? ThanksRead More...
Thanks guys for the very useful information.. I really appreciate it have a good day!Read More...
No. I never heard of the website. I will check it out. As an angel investor resources are sent out to you.Read More...
Last Reply By SC · First Unread Post

apps

Vicki Gary
I use two apps in particular that stay on your phone have used over a year they are MobileXpression and GiftLoop they are very good I've cashed out several timesRead More...
@Vicki Gary I am looking forward to trying this one I figure out what it wrong with my phone. This sounds great! Thank you so much.Read More...
Kimberly you just down load them on your phone and do nothing if you want but use lock screen or you can do surveys, download apps for points for Giftloop, for MobileXpression you just download on your phone check once a week to retrieve 5pts. weekly, once you get 30-50 points you can redeemed for a gift (however 1st 7 days you get a 5 dollar Amazon) great apps. Like I said I have used and continue to keep them on my phone so many time that 10 dollars gift card has come in handy. If you have...Read More...
Last Reply By MsKimberly · First Unread Post

Travel Tips, anyone have any to share?

Forum: Save Money
Valerie Magorrian
Hello, I LOVE the fact that you can do quizzes on AARP.com under their rewards for good and earn rewards while also learning some pretty valuable tips. There is no cost and no age limit in oder to sign up and you trade points for discounted gifts cards, etc. For example, you can purchase a Carnival Cruise Line $100 gift card for $90. By the time you buy enough to pay for a cruise, you have really added up some savings. My question is, does anyone know of any sites that do something similar...Read More...
I’ve also used Rewards for Good in purchasing Carnival Gift cards. Saved a few hundred dollars off our last cruise as well as gratuity and WiFi. They are changing the program and it will be called AARP Rewards starting in September. Current points can be used up till September. I’ll definitely continue to use this resource for future cruises.Read More...
Volunteer to be bumped if you're flying. I did this in college and frequently got nice compensation, including a flight out of Indianapolis on Race Weekend in first class (that's like winning the lottery; flying out of Indy in May is insanely crowded, especially after the race).Read More...
Last Reply By TinaS · First Unread Post

How to Get High speed Internet?

Brian Coffey
There are many cable and fiber internet schemes but when you need a high speed internet service, then the Viasat Internet is the top priority. The plans are somewhat priced high at certain times but it is pretty good that the speeds they offer match with the prices. The lease is offered in two forms: Monthly lease and lifetime lease. The prices range from 9 US dollars to 299 US dollars and the installation process takes nearly two or three hoursRead More...

Have you ever had a pet with diabetes?

Deon Christie
I was rather surprised to learn that pets can also get diabetic. When I noticed my cat (Bast) started losing weight rather rapidly. And she seemed to be using the littler box a lot more urinating. Needless to say a visit to the vet was imminent. What I didn't expect at all was that Bast would be diabetic. Bast is now 16 in human years, which is around 70 in cat years. Making her a senior citizen. And as you can see, she's not in the mood for much this morning. Cats age around 25 human years...Read More...
I had a diabetic rat, and he did fine--lived to be two-and-a-half, which is about 100 in rat years (they age 40 years for each human year). Max was diagnosed the day he stopped eating due to a stomach tumor, so the difficult decision was made to put him to sleep. I was with him until the end, and seriously considered treating him, but medical bills would have been in the thousands and I was working in a restaurant in the time. Now I have CareCredit for vet care, and Nationwide ensures exotic...Read More...
Yes, I had a 21-year old cat (I adopted her from moving neighbors when he was 12) who had diabetes, insulin shots, the works. He had one limb amputated and got around fine, until he died of a stroke in 2003. I still miss my Kitman the Hitman.Read More...
Last Reply By BeckAtsila · First Unread Post

Buying a new car!

Karen McEuen-Novak
I have a 2011 BMW 335D that I keep having to pour money into. I want to purchase a new Honda Accord. I have $20,000 cash and my car as a trade in. I doubt the dealership will give me what my current car is worth but it’s a hassle selling it privately. Any suggestions or ideas on how I can get the most bang for my buck? Thank you!Read More...
Dealerships are really good with the jedi mind games. A few things I would do in your position. Get dealerships to compete with each other. Let them know you are ready to buy, but you will wait on a good deal. If you can get the same car $500 cheaper 50 miles away, let them know you are willing to go to wherever the deal is. Don't let them know you have that much downpayment or willing to do a trade in at first. If you can get financing elsewhere thats great, use that monthly payment as the...Read More...
Last Reply By E Allen · First Unread Post

Extra Income

Forum: Make Money
Hello Penny Hoarder Community, What are some of you guys and gals favorite ways to earn extra income? I've tried some passive income avenues such as inbox dollars, nielsen rewards, and Bing rewards. I'm trying to look into some alternatives to these that aren't necessarily passive but better ways to earn more. Please let me know what you all do!Read More...
If you've got digital marketing skills, you are in one of the hottest fields right now. Starting a business that supports that is a great way to go. Good luck!Read More...
I make a couple hundred extra dollars per month with Swagbucks, InstaGC, and Prolific Academic (survey site).Read More...
Last Reply By sthom · First Unread Post

Hello new members!

Briana
Hello and welcome to the new Penny Hoarder Community! My name is Briana, a Social Media & Community Strategist at The Penny Hoarder. I'm in the process of paying off credit card debt and establishing a healthy relationship with my finances. I'm also saving for a long-awaited trip to Greece next year!Read More...
I am looking forward to lerning a lot from other Penny Hoarders-tips and tricks to hold onto money and spend it wisely. What needs to be done in my perception, is to find ways to make money from what I have in the house, stuff that is just there and not being used. An example that comes to mind is we have 1/2 paper grocery bag filled with pens, donation centers don't accept them. Any thought on who would want them?Read More...
@Sister Hipster welcome to the community! @Carol Ann Hughes welcome! @redcatcec I like your definition of retirement Claudia! In this day and age, there are lots of great options for generating extra sources of income. I recommend finding something you enjoy and seeing if it can be turned into a profitable side gig. @CI1120 Welcome to the community. Lots of members have great ideas and tips for making money. Look forward to seeing you around! @Christine Chapin You are definitely in the right...Read More...
Last Reply By redcatcec · First Unread Post
Page

This mom needs work!

Forum: Make Money
I have a 3-year-old son but daycare has a waiting list. I need a serious online job or creative gig. Any ideas?Read More...
I edit books from home and this provides a good income, however it took a while to get clients to trust my delivery and price accordingly. The way I did it was write a blog post every week for three years; you probably don't want to wait that long! The other way is to post on Facebook groups according to your talent, there is one for every skillset. Just answer people's questions on that one topic. Stick to one thing and make sure you know your stuff.Read More...
What is your expertise? Any skills or talents you have that could translate into a side income?Read More...
Last Reply By Jennifer Lancaster · First Unread Post

Acorns

Forum: Save Money
Patti Weaver
I’ve been investing with Acorns for over a year now. It’s easy fun and takes the stress out of saving money as it’s done for you. Start saving for that rainy day.Read More...
I am trying a new startup idea here in Australia. It gives you shares (2% of spend) for every receipt uploaded from the big grocery stores. It's better than giving your change or paying fees, as there are no fees. I wonder if you know of any other grocery return programs? Here there are also Motoring Association reward discounts and Holiday Club discounts on big box stores too.Read More...
@Moore Income , you said that Acorns is one of the least favorite you use -- what are your favorites?Read More...
Last Reply By Jennifer Lancaster · First Unread Post

Anyone have experience doing an Air B N B?

Forum: Make Money
Wen Dee
I am considering doing an Air B n B next year. I have a 5 bedroom 2 bath mobile home, which is empty. I am planning to upgrade the mobile home and the 3 acres it sits on to make it into an Air B n B business. I am right near the highway/main interstate and 30-45 mins from Tampa or Orlando. Both WWE Wrestlemania and the Superbowl will be in my area and I'm thinking this would be a great opportunity to make some extra cash. Has anyone ever done an Air B -N-B? Tips/suggestions,...Read More...
I have not done it personally but it is something I will get into in the future when I have a place of my own. It can be a very lucrative business if done correctly and the area you are in gives you a lot of potential to earn money. I would suggest researching ways to market your property. If you can master the marketing, you can really win with AirBnB. Nowadays, there are people who have even built entire businesses by renting a property and then re-renting it on AirBnBRead More...
I live in another building on the property. Thanks for those suggestions, they are very helpful.Read More...
Last Reply By Moore Income · First Unread Post

Lower ARP on Credit Card

Forum: Credit
Can anyone provide any tips on lowering your ARP (interest) on a credit card?Read More...
Calling the credit card company would be my first suggestion. If you are a good customer and they don't want to lose your business, they might be willing to work with you. Like they say... It never hurts to ask!Read More...
This article should be pretty helpful! https://www.thepennyhoarder.co...card-interest-rates/Read More...
Last Reply By Moore Income · First Unread Post

Convert Amazon Gift Cards into Cash

Does anyone know of any websites that you can sell Amazon Gift Codes for cash? ThanksRead More...
I frequently buy Gift Cards on Raise.com I have never bought Amazon gift cards as they are always out of stock when I check but I believe you can sell gift cards on the site. (you will get a little less than the actual value of the card) Quite a few people also sell them on eBay. Maybe try asking friends or family if they are interested in trading you cash for your gift cards if they purchase frequently on Amazon?Read More...
Last Reply By Moore Income · First Unread Post

Close Checking Account

Does closing one checking account and opening a new one hurts your credit score? I am leaving BB&T and transfering everything to Navy Federal Credit Union.Read More...
I have never had it hurt my credit score. Generally, a checking account should not affect your credit score. There are however some situations related to a checking account that might. If the bank you open the account with does a hard pull of your credit, it will affect it obviously. Also, sometimes signing up for "overdraft protection" could essentially affect your score. Other than that, the only other thing that might affect it is if you are managing your account poorly (bouncing checks, ...Read More...
Closing bank account can hurt your credit score but you have another account in place so it should not effect your credit score.Read More...
Last Reply By Moore Income · First Unread Post

What do I do with $20K?

Gary Fisherr
I have $20,000 what to do with itRead More...
Maybe divide it up? Invest some. Save some. Give some to a local charity or someone in need if that is something you like to do. And maybe even take a small chunk to just spend on yourself as a reward for reaching such a milestone. At the end of the day, it's your money and you should make the decision that is best for your situation.Read More...
Hey @Gary Fisherr . A reader wrote in to Dear Penny with a similar question not too long ago. Maybe that could help you decide? https://www.thepennyhoarder.co...y/inheritance-money/ The TL;DR version is: put it in a high-yield savings account while you decide exactly what to do with it. Meeting with a financial planner could also be a good option, but they can't tell you exactly how to manage your money. You'll have to decide what financial goal you want to reach. Retirement? Pay down debt? ...Read More...
Last Reply By Moore Income · First Unread Post

What should I do?

Forum: Make Money
I want to work from home. I currently manage a company doing payroll, state reporting, working with a multitude of people, contractors, suppliers, lawyers, bankers, accountants, creating brochures, newsletters, businesscards, at one time. I managed 3 companies for the same owner..I've done it all. My husband does project Estimating. We both work at the same place. It's just me, husband, and owner that work together. I work 2 days, commute 250 miles weekly, and the other days I work at my...Read More...
I agree with Dexter Money, LinkedIn is a great place to showcase your professional expertise and find lots of great opportunities.Read More...
Hi Pansey, So I work in the tech industry and it is known for having people work from home. It is so easy to do these days because of the web and all the telecom tools like Slack and GoToMeeting. If you want to work for a company from home I would encourage you to create a real nice profile on LinkedIn all about the experience and skills you have. Make networking connections with people there. And even write some blog posts on your page relevant to your field. You can also connect with...Read More...
Last Reply By Moore Income · First Unread Post
Social Security isn't meeting the bills so I need to find a job. Where are the good jobs for Seniors?Read More...
@Molly Moorhead I think it is absolutely awesome how The Penny Hoarder publishes so much valuable information to help in almost any financial situation!Read More...
There are so many jobs out there for seniors. Companies are always looking for part time workers. Do an online job search, one of the biggest that I recommend is Indeed. I also always encourage people to make a nice profile on LinkedIn. I would encourage you to make a list skills you have and then search for companies or businesses that match those skills. You can also filter by part-time jobs, seasonal or entry level. If you want to to stay in your areas being a receptionist or checkin...Read More...
Last Reply By Moore Income · First Unread Post

Extra Job

Forum: Save Money
ShellyW
Okay, I am wanting to get serious about saving an emergency fund, and I am about to start a part time job. I have three total income sources now. My main job, child support, and now what I will bring home from the new part time gig. My biggest issue is which one do I actually start my savings habit with? I just want to start somewhere, and be committed to a goal maybe start with $250, and hopefully work my way up to $1,000. If anyone has any ideas, or suggestions. I would appreciate it.Read More...
@ShellyW Sorry to hear about your situation. I don't know how I would react if I were in your shoes. Sounds like you are definitely putting in a lot of effort to make things work. I wish you the best and I know with your drive, you will get through it and come out stronger. Don't hesitate to reach out for any advice and keep us posted.Read More...
Sorry to hear that @ShellyW ! It sounds like you're doing what you need to do in the meantime - I know you'll be back on your feet soon! If you need any other suggestions, we have an amazing community who will be happy to lend some advice or just be here for moral support.Read More...
Last Reply By Moore Income · First Unread Post

Why is my credit score not rising?

Forum: Credit
Wen Dee
I am confused, I took out a secured credit card and paid off my debt, however, my credit score is tanking instead of rising. What am I doing wrong? I only use 20-30% of my credit card limit and pay it off monthly. Any suggestions would be greatly appreciated! ThanksRead More...
I am not familiar with this but now that I know I will research. Meanwhile, could it be because you froze your report and might be preventing it from updating?Read More...
The debt has been recorded and applied to my credit report. I check my credit report weekly. I have not made any purchases and have my credit report frozen. Seems like every time I pay my secured credit card my score drops.Read More...
Last Reply By proffkakap3 · First Unread Post

Looking for investment that pay at least 10%

Forum: Investment
aglenda2000@yahoo.com
Does any know where I can invest $500.00 to $800.00 for a guaranteed 10 percent return, please let me know. Recently I saw a company on line which paid 10% on any amount invested, but were not FDIC insured, but had good feed back from investors. Unfortunately I cannot remember the name of the online company. If any one knows the company please let me know. ThanksRead More...
Thanks for the info, I will definitely look into some of them you listed.Read More...
I have not heard of a company offering a 10% guarantee of return on investment, but it does not mean that it isn't out there. If you find it go for it, just do your research before investing. My go to investments are dividend paying stocks like Costco, Exxon, Microsoft. ETF funds are great vehicles for market gains. I think your best bet for steady income though would be in real estate. With the amount mentioned you should have enough to invest in Fundrise or purchase REIT stocks like O -...Read More...
Last Reply By [email protected] · First Unread Post

Wfh jobs

Forum: Make Money
Diana Hynum
Any and all suggestions on all work from home jobs or gigs that are easy to obtain that atleast pay some or half of the bills?Read More...
If you have a medical background, I’ve seen several work-at-home jobs available at insurance companies.Read More...
The Penny Hoarder's WFH section would be the first place I would recommend visiting. They take quite a bit of time to find quality work from home jobs. If none of those work for you, have you considered starting a side hustle that would allow you to work from home? This could be anything from buying and reselling, affiliate marketing, writing, etc.Read More...
Last Reply By PiNaY · First Unread Post

App that pays bills

Forum: Credit
S.s. Russell
Does anyone know the name of the app that pays your credit card bills from your checking account automatically to help you pay them off ?Read More...
Digit app does that! You can read more about it here: https://www.thepennyhoarder.co...it-credit-card-debt/ You can also try looking into Tally: https://www.meettally.comRead More...
Last Reply By Briana · First Unread Post
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