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Stock

Forum: Investment
Hello! Anyone here familiar w/stocks? My daughter has stock w/her employer. She's trying to fill out the FAFSA and its asking for the "Net worth of her investments". She has a stock plan and its on etrade. We are not sure what we are supposed to be putting on the FAFSA form. On a brokerage stmt I pulled up shows her Total Net Portfolio Value and on the Complete View page it shows Current Account Value and Total Account Value. Which value and I supposed to be putting on the FAFSA? Thanks!Read More...
I don't have any experience with filling out FAFSA forms and my investment experience is mostly limited to using apps and other platforms. But I did a little research and I came across this document which FAFSA put out going over that part of the form in detail. https://fafsa.ed.gov/fotw1920/help/fotw33c.htm Hoping this is somewhat helpful!Read More...
Last Reply By Moore Income · First Unread Post

Grocery Store Unit Price Codes

Forum: Save Money
Is anyone out there not using grocery store unit price codes when they shop?Read More...
That is why you should always check the codes. Certain items, like ketchup and mustard, are notorious for inconsistencies when it comes to name and generic/store brands. One can save an enormous amount of money by simply reading UPCs.Read More...
I always check the unit price. It was how I randomly discovered one day that the name-brand raisins were actually cheaper than the generic version at my grocery store. I still don't really understand it, but hey, not going to question it too much!Read More...
Last Reply By Savvy Susie · First Unread Post

Need Help: Prices for Personized Poems

Forum: Make Money
My husband writes poetry. He loves this and wants to make a business out of it. He has a website: http://www.writingsbyjim.net/ He has some poems up there now but has written many more he just has to post. He want to write personized poems for special events in peoples life. We need your help to find out how much people might pay for this: Here are some prices I have come up with for the poems. Price of poems are based on 10 to 12 lines of poem. Are they reasonable? Are they to high? Are...Read More...
Thank you. I have looked at the website and will let him know about it.Read More...
Sounds like your husband has a great way to earn some extra money. I have written a few poems here and there in my life but have never thought about selling poems. As far as the pricing goes, it is going to depend on who you market to. Not everyone I know would be willing to pay for a poem but if you find the right market, you will be able to adjust your prices accordingly. Like I said, I am not experienced in writing poems, but when it comes to writing or providing any creative service, one...Read More...
Last Reply By NShanabarger · First Unread Post

Saving money for a house

Hi my name is kendra, I'm trying to save money and earn money to be able to by a house and get provide for my kids.Read More...
We are currently saving up for our next house. I am watching every penny and even took on a side job of watching/transporting kids to school a few days a week. It is not much but it goes towards our food expense, which aside from housing costs, is our largest expense.Read More...
That is awesome @Kendra Sanders , saving for a house is something I plan to start doing in the near future. What are some things you are implementing to save money? Are you currently earning money from a job, side hustle or business?Read More...
Last Reply By FreebiePharm · First Unread Post

Watts Zappening? (Saving Money On Energy Costs)

Forum: Save Money
Did you know that the average cable or satellite TV box with DVR costs around $8 a month to have on 24/7? Did you know that some makes and models of these boxes use more or less than others? Did you know that many states have deregulated energy costs, allowing consumers to shop for lower per kilowatt hour rates? Did you know that there are simple swaps we can all make to reduce our usage? That's as true with electric as water as natural gas... and some swaps to habits can add up to huge...Read More...
We were shocked to find a small electric fireplace was costing us $200 a month. We no longer use it!Read More...
Thanks for all the info. It is something I guess I don't pay as much attention to as I should. I will have to take a closer look at my energy consumption now and see how I can save more energy.Read More...
Last Reply By FreebiePharm · First Unread Post

Si, Si Senior ((50+))

Forum: Retirement
It wasn't that long ago that AARP began stalking me. At fifty years of age, I wasn't quite ready to think about aging or retirement. I figured that I had another fifteen or more years to become debt-free and save for supplemental retirement income. That's plenty of time, right??? About three years ago I became disabled from work, still not having done anything to tackle that debt nor save for retirement so it was a definite reality check as my household income plummeted by more than half,...Read More...
Not near retirement yet, but the thought scares me as I have met with financial advisors, I do not fathom how I can possibly stash away enough money for retirement....always good to start early!Read More...
Having been disabled for nearly 20 years, I started my Medicare in 2002. It was one of the best decisions I ever made. Some I knew refused to do so and now they regret it. I'm considering a medigap policy to pay what my wife's employer and medicare don't pay. Don't know how that would work, though. I've been told it would. Having a tertiary policy is not unheard of.Read More...
Last Reply By FreebiePharm · First Unread Post

Can Budgeting Come with Baggage?

Forum: Budgeting
The Saving Scientist
Similar to how we enter into new relationships with some of our own baggage, we tend to do the same with our relationship with money. One area that often carries the most is budgeting. If I can draw parallels with emotional baggage, our mindset about budgeting may simply be caused by our unwillingness to address unresolved issues and fears. Is the stress of creating a budget caused by the fear of having to face the amount of debt you owe? What if it’s too overwhelming? Are you delaying your...Read More...
My biggest setback with budgeting is consistency. I feel I would start it but not continue. I am halfway there on budgeting. I write down my expenses bi-weekly but do not account for "small" purchases. This would be my goal as well as an envelope system.Read More...
Exactly, Ron! I'm really glad to hear that you're taking steps in the right direction. I look forward to reading more of your posts and seeing how your financial journey goes. We can all learn something from each other! Feel free to reach out at any time if you need any adviceRead More...
Last Reply By FreebiePharm · First Unread Post

Let’s Talk Blogging!

Forum: Make Money
MiniPantherMom
How many of you Penny Hoarders have a blog? I’ve been interested in getting into blogging for quite some time now, but am stuck on choosing my niche. I’m a single young adult, and I think a blog on saving money /lifestyle blog geared towards other single young adults would be really cool. I love reading any and all money saving and money making blogs, but sifting through ways to save on diapers and budgeting for meals of families of 5 can get a little old 😛 If you are/were a single young...Read More...
If anyone has a blog on financial tips, saving money, crushing debt...feel free to send me the link...I would love to check it out!Read More...
I think you will find Lumen5 extremely useful, especially with turning blog posts into videos. But do try and keep videos between 1 and 2 minutes, while focusing on key points. You may find that uploading a high resolution (1920 x 1080) thumbnail sometimes doesn't work with YouTube because the file will exceed the maximum allowed 1 Meg. For that I use Canva, and after designing the thumbnail you just download it as a JPEG file. This way the image does not exceed the allowed 1 Meg. I'm using...Read More...
Last Reply By FreebiePharm · First Unread Post

Let's talk WordPress plugins with a dash of Google

Deon Christie
What are plugins and why are they important with professional blogging? Plugins are blogging tools and simplifies most of the more technical tasks with blogging. Like SEO (which is a nightmare to newbies), and https protocol issues which can make potential subscribers feel unsafe. But each plugin has a specific purpose, and the key is to use them in order to achieve a certain result. Or perform a specific task, like in post banner displays. How do plugins influence Google? Google is the...Read More...
I too started with All In One SEO, but strongly advise you to keep going with Yoast. Nothing wrong with All In One SEO getting started, but more and more pro bloggers (Neil Patel) are using Yoast. The Yoast SEO Premium is a little expensive, but an investment well worth the sacrifice (around $88 I think). I have learned much of what I know about blogging SEO from Yoast. Through the free courses they offer as a premium subscriber. SEO is about a whole lot more than the keywords, because there...Read More...
I have used All In One SEO in the past. Currently, I decided to give Yoast a try. Not sure how much I like it yet. I might ultimately end up switching back to All In One SEO. Have you used any plugins for comments? I have always just used WordPress' native comments but decided to give DISQUS a try. I have heard that Thrive Comments are also good but I think you have to use it with a Thrive theme.Read More...
Last Reply By Deon Christie · First Unread Post

Best On Line Savings/Money Market Accounts

Forum: Banking
Lucy
Does anyone have good input on regarding on line savings/money market accounts? Love to here your feedback. Thank you!Read More...
Thanks for sharing such a comprehensive list! I did check on the DCU website and it does actually say there is a $5 minimum. Not that it makes a huge difference but just sharing what I saw. I have also used Aspiration which pays a 1% APY with no minimum or fees. I am also trying out the Haven Money savings account which pays 2% APY and up to 4% if you refer enough people.Read More...
Thanks for the great info! These on line banks definitely beat traditional store front banks as far as interest. Appreciate the feedback!Read More...
Last Reply By Moore Income · First Unread Post

Savings and Investing

Forum: Investment
Scotirish
I had smoked since I was 13, and having attempted to quit many times, the rising costs of cigarettes was concerning me greatly. I formulated a plan to weaning off cigarettes with the oncoming of e-cigs, but with a new incentive. Invest the money I would save on each daily purchase. To cement my earnestness I withdrew $3,000 and invested it through Vanguard into a health account. In the first weekend I found the e-cigs to be harmful to my throat and quit them immediately. I would do this cold...Read More...
Wow that is an awesome story. I like that you set a goal to reward yourself for quitting. I believe many people fail because they don't replace it with something better or simply have a big enough reason in their mind to justify quitting. This is a great encouragement to someone trying to quit that it is possible but it also shows the reward of investing in yourself. Way to go! @ScotirishRead More...
Last Reply By Moore Income · First Unread Post

Savings Account Apps?

Forum: Banking
Moore Income
Interested to know if anyone out there is using any savings account apps to save money. I personally have been using GRAND for a while now. They charge $2 a month but as long as you save money, every week they have a drawing and every week I have won $1. They pay a 1% interest rate. It has been a great way to save money without really noticing it is not in my checking anymore. I have also used Aspiration which pays a decent amount and am trying out the Empower app. Anyone else know of any...Read More...
OMG I JUST FOUND THIS!! https://www.t-mobilemoney.com/en/home.html 4.00% APY under $3000 and the following requirments Have tmobile wireless account deposit $200/month sign up for tmobile perks Now with these stipulations you can max. your money. See the secenarios below. T-Mobile Money states you will make 4.00 APY if you have the fall in line within the 3 listing eligibities above. If you go over the $3,000. this means that the $3,000 will make anywhere between 2.79-4% APY and anything...Read More...
Hi, I just did some research for a friend who has a kid and was looking at some options. This one is interesting, there is a waiting list. but its the biggest APY ive seen yet. IntrX app - 2.91% APY TAB Bank 2.40% APY $1 minimum Online and Mobile banking Synchrony Bank 2.20 APY No minimum Online and Mobile banking My Savings Direct 2.40% APY No minimum Online and Mobile banking Restrictions on how deposits are made Ally 2.20 APY No minimum Online and Mobile banking Vio Bank 2.39 APY No...Read More...
Last Reply By Mo Brownies · First Unread Post

Publish your eBook on Amazon at No Cost

Forum: Make Money
Deon Christie
There are so many ways to generate an income online, it's overwhelming. But there are also numerous scams, just wanting money and more money as you go along. There are free ways to make money online, but the key is to find the ones that actually work. Like BookRix , a publisher I have been using for quite some time. A free publisher that will publish your work on all Major Online Bookstores like Amazon, Kobo and many more. They do not charge you anything for all their work, but does take a...Read More...
Only a pleasure @Tam . The important part is to get started and you may want to replace the "ghost writer" with research. The more you research the bigger your knowledge vault will get, and in time you will surprise yourself with your own writing. Creating and owning your own writing work will put you on a whole new level of professional recognition. Wishing you all of success and prosperity.Read More...
@Deon Christie this is wonderful information, as I too, would like to begin working on my content for my first book. It is so hard to get started and I’m nervous that my material will be lacking and/or fluid enough to attract and keep an audience, but after all of that stated, it is my dream. Your added resources will help in moving the train along. I wish I could afford a ghost writer, lol. Thank you for your valued info.Read More...
Last Reply By Deon Christie · First Unread Post

Crypto and Taxes

Forum: Taxes
Sid
I got sucked into the cryptocurrency storm late 2017 and started trading as well through a good part of 2018 as well. I did cash out some of my investments and now I am eager to learn it's impact on my tax return. Anyone here who has been involved in cryptocurrency over the past year or so? -SidRead More...
I have only watched from afar, but it's funny you mention the impact on your tax return as I was just doing my tax organizer online for my accountant last week. I was surprised by the question that asked if any of my investments last year were in crypto, and it was like a lightbulb moment. I hadn't even thought about having to report those investments on your taxes! For now, I'm glad I can skip that section.Read More...
Last Reply By Former Member · First Unread Post

1 Month Milestone!

Moore Income
I just received a notification in my alerts that I have just passed the one month milestone in this community. I want to take a moment to say that I have enjoyed interacting in this community over the past month and I look forward to the direction this community is headed. Comment below to let me know if you have hit the 1 month milestone, or let me know when you hit it! That being said, if you know anyone (friends, family, coworkers, neighbors) who would benefit from this community, be sure...Read More...

Penny Pincher

Im always looking for a new way to earn a buck or save a penny in just about everything i do.Read More...
Morning everyone, My first day here on in this community. Looking forward to learning from y'all and some of my tips along the way as well. Regards, -SidRead More...
Shop your grocery store's clearance section! You can still use your coupons on top of the clearance prices!Read More...
Last Reply By Sid · First Unread Post

How to start a blog

Forum: Make Money
Deon Christie
There are a few key factors to focus on if you want to know how to start a blog. However, starting a blog is one thing, turning it profitable is quite another. There is a huge difference between a click, a visitor and a buyer. The first and most important step of starting a blog as a professional blogger is discovering your profitable niche. When you start your first blog, it is also important to create order by using separate folders. And to start a successful blog you need to create these...Read More...

A beginner's guide to investing

Forum: Investment
The Saving Scientist
Hey Penny Hoarders, For the longest time, I thought that investing was reserved for the financial elite. I didn't really understand the terminology and it just sounded too complicated to be worth my time. A year after starting investing, I now know so much more and I'm happier (and wealthier) because of it. Investing is the best (and most effortless) way to create wealth. I've written down some thoughts for people who are also only starting out on their investment journey. You can find it...Read More...
I learned everything I know about investing from the Indianapolis-Marion County Public Library. Check your library for books on investing, especially "A Random Walk Down Wall Street" by Burton Malkiel and "Millionaire Teacher" by Andrew Hallam. If you're not a reader, both basically say it's almost impossible to beat the market and you should aim to match the market by buying a diverse index fund. I've managed to invest on $8.50 an hour through Stash, and I keep an emergency fund tied up in...Read More...
Last Reply By BeckAtsila · First Unread Post

Travel Insurance

Forum: Save Money
Hi. What's a good insurance to have just for travelling internationally like the Philippines?Read More...
If you're a veteran or family member of a veteran, there's Veterans Advantage, which has evacuation insurance for a small fee. Not sure about health insurance, but I know the evacuation insurance covers medical reasons and could save you a bundle if, God forbid, you need it.Read More...
Thank you, Theodora. I will keep that in mind.Read More...
Last Reply By BeckAtsila · First Unread Post

What are your favorite podcasts to listen to?

Fletch Sanders
Here are my top 3: The Aworkening (entertaining side hustle ideas) Dave Ramsey Show (financial show) Joe Rogan Experience (entertainment)Read More...
If you like Planet Money, you may like its shorter daily show, The Indicator. It's a quick take on the money news of the day. For practical advice in about 20 minutes, try Lillian Karabaic's Oh My Dollar. One of our Penny Hoarders has a personal finance podcast too: Frugal Friends!Read More...
Planet Money is a great financial podcast. I'm also hooked on The Dream right now (about MLMs).Read More...
Last Reply By Former Member · First Unread Post

A Free Resource to Make Budgeting Easier

Forum: Budgeting
The Saving Scientist
Hi Penny Hoarders! As a means to better track my own spending and sort our my financial priorities, I recently developed a budgeting Excel sheet that is unique in several ways: 1. It allows you to select your currency and year (making it customizable based on where you live and a template that you can use year on year) 2. The overview page allows you to enter your budgeted amounts and has hyperlinked buttons for each month of the year, allowing you to hop around and see how your spending has...Read More...
My pleasure Walt! Glad it's been helpful!Read More...
Excellent spreadsheet for budgeting and planning thank you for sharingRead More...
Last Reply By The Saving Scientist · First Unread Post
How’s this for a truth bomb – the life you are currently living is mostly the sum of all your habits. Read the following article to find out 10 financial habits that may be getting in the way of achieving your long-term goals: Stop the Paycheck to Paycheck Cycle What are some habits that you've discovered that get in the way? I'd love to hear your own experiences.Read More...
You can say that again! We tend to develop bad financial habits from an early age and they become hard to break and leave us wondering where we went wrong. I would have to say that a lot of times, life gets in the way when you are trying to stop the living paycheck to paycheck cycle. Just when you think you are getting some traction, life hits you with another surprise. I find often that bad habits such as a lack of budgeting and keeping track of finances and living above your means are...Read More...
Last Reply By Moore Income · First Unread Post
I liken budgeting to weight loss regimens. Knowing that the feeling of deprivation often leads to failure - does anyone have any tactics to weave rewards into the budgeting or saving process that are motivators (& reprieves) to stay on track? Or, is this just a bad idea that leads to self-sabotage and disaster? Discuss!Read More...
Heading over to read it now @The Saving ScientistRead More...
@The Saving Scientist Wow...this is awesome! Thanks so much!Read More...
Last Reply By Moore Income · First Unread Post

Online checking account for business - recommendations?

Forum: Banking
I have an LLC for my freelance writing/editing work, and for a few years I've had a separate checking account for those funds. I recently realized that I don't have enough cash in the account to have the monthly "maintenance" fee waived - so I'm losing $15 a month! I know my freelance business hasn't been super busy these days, but I'd certainly like to hold on to most of the money I've earned, you know? I'd love to hear about your experiences with online-only checking accounts for your side...Read More...
Hmm... That's a great question. Currently I know about a lot of personal online checking accounts but I haven't really looked into business accounts. It is definitely something I should be doing though as I do plan on launching a side hustle soon. I will keep my eye out and let you know what I find.Read More...
Last Reply By Moore Income · First Unread Post

Philo TV

Forum: Save Money
I wanted to tell everyone you get a free trial with just your cell phone number. It is cheaper than Sling and I loved it.Read More...
Clark Howard's advice is it's worth trying. I trust his advice. Think I'll try it. Cable just keeps going up.Read More...
I tried this one out as well. Not a bad option for $16/month! The selection on Hulu TV live is larger, but you get what you pay for. Has anyone tried Pluto TV? Looks like it's completely free and makes their money off of advertising. Might try it out...Read More...
Last Reply By Latee3 · First Unread Post
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