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My old bank (Everbank) had a feature that displayed my scheduled transaction and their expected impact upon my projected balance in the "account activity" view. They were purchased by a pension fund and no longer offer that excellent interface. It allowed me to see the upcoming 30 days and decide if any payment should be adjusted depending upon when my next paycheck or deposit was scheduled. It was a great tool for keeping track of e-bills and when to pay them Can anyone share how to find...Read More...
Thanks for the info, Steve. I may check them out anyway. Do they limit the number of external transfers, or is there some other requirement? They probably don't have a description of the feature because most of the major and regional banks don't do it. The ones that I've talked to seem fairly perplexed at my description. You can mark Ally Bank off your list. They are one of the larger online banks, so I thought perhaps they might be similar to Everbank's interface, but no. I think there are...Read More...
Thanks Nita, I found Seacoast National Bank. They do have the "Show scheduled transactions" feature, but they have limitations on external transfers that i am not used to. It is better than the TIAA, but still not as powerful as Everbank had been. I wish i could figure out what the banking industy calls the features we are talking about.Read More...
Last Reply By Nita8 · First Unread Post

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...
If I may ask, what's the name of the company?Read More...
My company is actually looking for people to help enter businesses into a database for a kids directory. All that’s required is simple Google searches and data entry. If you’re interested, send me a message.Read More...
Last Reply By Jillian Tyre · First Unread Post

Plasma donation

Forum: Make Money
Saves live and depending on where you go there is compensation for your time.Read More...
I donated several years ago when I was making a good income. It helped me, but I was terrible at saving, so I'm not sure how much. I still have scars from my donations and even though we're not rich now I wouldn't do it again. That and I take meds and I don't want them titrating out of my body.Read More...
Thanks, Jacob. I donated years and years ago. Just wondering if things have changed much. Thinking about trying it again for supplemental income.Read More...
Last Reply By lismox · First Unread Post

need to make extra money

Forum: Make Money
Amanda Ramsbottom
Look to make some extra money had some hospital visits that i need to pay off anyone have any suggestions.Read More...
Hi Amanda- you & me both- looking to make extra $- I know people don't want to clutter the market w/ tips so that they can make $ too, but I don't mind sharing what I've done so far- (in the name of neighbors helping neighbors and putting positivity out into the world and all of that...) What's worked really well in early at least an extra $125/wk as long as I answer every lead and follow through with it (you'd be surprised at the large # of calls/ texts you will receive) for me, and for...Read More...
Last Reply By jen.$aving$.in$outhFL · First Unread Post

to buy or to rent?

For the first time in our lives we're in a position to purchase a home. We're not sure it's worth it. We're planning for a 10 or 15 year mortgage, staying in our current job situation for 7 more years and then retiring elsewhere. Is there a way of calculating whether our selling price would net us a profit?Read More...
Someone suggested we save the "extra" cash above what we pay in rent and invest it. There is no extra. It's either rent/or pay a mortgage. Someone else suggested we have a 3-6 mos. cushion saved in addition to the down payment. That was very helpful. We have the other ducks lined up, but we'd be pretty much putting the whole shebang into a down payment. Thank you all for giving your different perspectives. A good bit to mull over.Read More...
I think buying a good home with a 15 year mortgage is definitely the way to go as long as you have checked a few boxes first: -3-6 months of expenses saved - No debt -Staying in the home at least 3-5 years -Mortgage is less than 25% of your take home pay My wife and I are 34, and recently built our 3rd home. Our first home was purchased in 2007 at the peak. It took 7 years to get back to where we had some equity in it using a 30 year mortgage. Our second home was on a 15 and we were in the...Read More...
Last Reply By Olivia · First Unread Post

Website called Fundrise

Forum: Investment
I'm new to investing. As in, I want to start. I don't totally trust big companies like Wells Fargo and was reading on here about a website called Fundrise. Has anyone used this? Is it a legit site? I feel more comfortable using that type of investing. Any help would be appreciated!Read More...
Sound like a great investmentRead More...
I've been doing some research on them, and YES, they seem to be a legit site. I've seen companies like this that have worked well for people who started late in their lives as far as preparing for retirement. It worked quite well for them, and they made above-average income from their investment. It's worth the risk, but I would not put all of my eggs into one basket.Read More...
Last Reply By Fredia Stills · First Unread Post

Total loss valuation

Forum: Insurance
Gina B.
I am looking for the fairest estimates for homeowner insurance. And, I am a bit deflated from the deception the bundling idea presents (fyi, in my estimation it's a hoax unless a savings of $8 is worth it). I have noticed that the estimated sale price of the property and the total loss of the property has an exceptionally different valuation and i mean a good $70k difference. Can someone explain why this is? As an aside, another increased personal liability I am seeing (to consider) is for...Read More...
I was doing that, receiving estimates. But thanks. I was also asking about the rationale and in particular coverage for firearms.Read More...
Find a local broker who can give you quotes from multiple companies. This is the best way to find a fair price.Read More...
Last Reply By Gina B. · First Unread Post

Should I purchase extended warranty?

Karen McEuen-Novak
I recently purchased a new 2019 Toyota Camry. I used my car as a trade in and paid the rest in cash so I have no car payment. Upon venturing into the finance manager office he naturally tried to sell me several different warranties. The new car came with a 2 year or 25,000 mile warranty. I declined all the warranties. I came home and did some research and uncovered that I can purchase the extended warranty any time before my current warranty is up. Funny how they don’t share that info with...Read More...
I have found a lot of this depends on how you drive and use your vehicle. If you are going to be putting a lot of miles on very quickly, I would probably invest in some of the extended warranties because you're going to be putting on miles faster than the allotted time. If you are sticking close to home, Id say you're probably fine with your current warranty. I do a lot of my own maintenance on my vehicle (03 Mazda 6). I found out that most of the parts I purchase, I can put a warranty on...Read More...
I didn’t purchase a warranty and s transmission cost me $4500, 2 months after the original warranty expired. The next truck, I purchased the warranty. So far I have used it for $2700. Half way through it’s time.Read More...
Last Reply By Gabby · First Unread Post

Student Loans vs. Everything Else

Forum: Debt
Stephanie C
We currently have about $280k in unsubsidized student loan debt (gotta love doctoral programs!), plus a mortgage and some random other debts which will be paid off by the beginning of the year. Every time we look at ideas when it comes to paying off student loans, it seems like we get a different answer, so I'm looking for some more opinions in general. As it stands, we're on an income-based repayment plan. Assuming our incomes don't change at all, over the course of 25 years we would be...Read More...
I have these same questions, since my student loan debt is sizable as well. I pay $1300 a month on IDR and it doesn't even cover all of the interest accruing. I'd have to pay close to $2500 a month to pay it off in 10 years. GAH! It is unbelievably depressing, but unless they do a full scale forgiveness or change the bankruptcy code that allows these debts to be discharged, I'm not sure I'll ever actually pay these off. We try not to live extravagently. We have older cars, buy groceries from...Read More...
I'm certainty not wait for any forgiveness, I'm just not paying any additional at this time, the monthly payment is 899.00, at that rate I'll have paid them off in 7 years. I'm hopeful for a new administration that will see that education is the backbone of this country, and the US government shouldn't be making 6.5 to 6.9 percent interest on college loans.Read More...
Last Reply By Birdie13 · First Unread Post

SUMMONS

Forum: Debt
Sango
Does anybody know of a book that one can use to give an answer to a summons to pay a debt?Read More...
@Sango also, here's a list of forms you can use to respond to the debt lawsuit. Just choose the form from the state you live in; fill it out and file it with the court. https://www.solosuit.com/posts/9Read More...
😮 WOW...thanks so much.Read More...
Last Reply By George Simons · First Unread Post

How to pay off medical bills?

Forum: Debt
I have had 9 surgeries in the past 9 years. Are there any grants to help with medical expenses that this community could suggest? AngelaRead More...
It is so sad that in this country people have to be faced with such difficult situations regarding medical care and its cost. Everyone deserves to have the medical care they need/deserve and not have to choose between paying the bill or buying groceries. Something in this country needs to change and we need to eliminate corporate welfare so that the wealthy pay their fair share of taxes so that we can have an equitable healthcare system.Read More...
Never Give Up, my wife has continued to recover, went back to work on light duty the February after the accident, has since had a promotion, and will keep fighting any obstacles day by day. Thanks for the good wishes. I'm sure she appreciates them as I do.Read More...
Last Reply By kittykat1960 · First Unread Post

Budgeting Apps?

Forum: Budgeting
Katie Gabriele
Can y'all talk to me about EveryDollar vs Mint vs YNAB? We've tried using an Excel spreadsheet and it's just not working for us. We like the idea of our credit/debit card transactions being automatically inputted. We'd prefer a free program, which is why we're leaning towards Mint, but if another program is worth the money spent we're open to it. So what's the favorite around here?Read More...
Cool! I've never tried the apps because I sit at a desk all day so keep my spreadsheet on the Google Drive so I can see it anywhere. I like it since I can go in and put expected expenses in (and if they change can tweak it). I watch tons of YouTube videos too about budgeting. We've got this!Read More...
I've tried Mint, EveryDollar, PocketGaurd, and a few more random apps. So far.... nothing really helps. I have found that my bank is usually the problem- it never stays connected. I have a state FCU that's pretty small, so that may be why. But I liked Mint while it worked. I like the concept of EveryDollar though, as it allowed me to sort of visualize my savings better by actually setting budgets for things. I started using my Google calendar to input all my bills, and that helps me budget a...Read More...
Last Reply By Jeanne Featherston · First Unread Post

Scholarships

Forum: Make Money
Averie Messenger
Hello Everyone, I'm seeking advice for scholarships. The few on my college website are few and far between and very specific for applicants (like year, major, and extracurriculars). I'm searching for other avenues to win scholarships online but I need some help locating good websites that are legit. I have an excellent GPA and I can write essays or anything as necessary. Does anyone have any tips? AverieRead More...
I talked to my profs for my degree; they tended to know more ins and outs or major specific scholarships than my financial advisor did. I also talked to librarians, not just at my college but my main library. Weirdly enough, they knew a lot of other legitimate resources I could look into or could show me a section where I might find what I was looking for. Our main library apparently had an ENTIRE section of books with just website and foundation listings that offered scholarships I'd never...Read More...
If you have any special skills, you might want to look organizations or groups that support those special skills. Over the years I have viewed scholarships for people who are left-handed....being home schooled...etc.Read More...
Last Reply By Gabby · First Unread Post

For those Who do not drive, what is the cheapest way to get around?

Forum: Save Money
For those of you who do not drive, what is the cheapest way for you to get where you are going? That may be work, church, shopping or the library. Is it a taxi, Uber, a private driver or some other day?Read More...
I agree there is a need for more options.Read More...
It seems like Nashville is going to eliminate the scooters. Mayor Briley was just defeated for another term as Mayor in last nights election, and I believe his replacement is going to be in favor of eliminating the as well. They have become a nuisance in Nashville as they are left where they're not supposed to be in the first place, don't adhere to the rules of the road, and are used to commit crimes with less suspicion. They're responsible for many auto accidents and hitting pedestrians as...Read More...
Last Reply By MsKimberly · First Unread Post
Page

When did you start planning for retirement?

Forum: Retirement
Deon Christie
I'm one of the people that waited a bit too long in my opinion. Which resulted in much larger payments to have retirement policies etc in place. Personally I only started planning for retirement in my 40's. And I must tell you that you will pay a lot more than when you start early. But I'm sure I'm not the only one. We lead different lives and life takes us to unexpected places sometimes. But it's never too late to start. Because even ending up having a little at retirement still beats...Read More...
@Theodora : Thank you kindly I would be happy to share my experience with you.Read More...
@Zach Filstrup That's amazing! Interested in learning about your experience with P2P lending.Read More...
Last Reply By Zach Filstrup · First Unread Post

Job Searching: Grit and Prayer

Forum: Make Money
Scotirish
Not real certain where this fits in this community, but in a recent Hoarder e-mail they spoke about Zero Based Budgeting. My wife and I had just returned from our honeymoon as I resumed my position as a bookkeeper for a publishing company. The company wasn't doing well financially and soon several of us were released with a severance check to hold us until we landed on our feet. Not only did I not have the marketable skills necessary to traverse the rough road ahead of me but I also had a...Read More...
Thank you for the encouraging note.Read More...
Congratulations! What a great story, and I'm happy that it all worked out, and is still working out for you!Read More...
Last Reply By Olivia · First Unread Post

Work at home jobs

Forum: Make Money
n.gordon
Looking for advice on the best companies for online work from home jobs. I have looked at REV so far, and FLexJobs seems to want a fee. Any ideas out there? Thanks!Read More...
I am sorry but I really don't know what this is...you build apps?Read More...
Yes, FlexJobs wants a small fee but they frequently have specials. You can buy just one month, 3 months, etc., memberships. The thing about them is that they cull for the best legitimate "real" jobs (that you may not have time for doing all the searching), and I guarantee their legitimacy. I found my first editing freelance job with them back in 2015 when I semi-retired. But, I've also found work via Indeed and Glassdoor. You know, I looked at REV also. Who needs the aggravation? I don't...Read More...
Last Reply By n.gordon · First Unread Post

Using Fiona to pay off credit card debt

Forum: Credit
Will using this hurt my credit score. Credit cards will be paid off, however, how do the credit companies look at this? Thanks for any input.Read More...
I think that the best solution is to work more, or get a part-time jo b. From my experience, people seem to be able to visualize being debt-free more effectively, when they are working.Read More...
Avalanche method. I was also curious about using a service like Fiona. And from what I learned, it won't do a hard pull on your credit, so it shouldn't hurt your score just to use the service. Fiona just gets you rates for a few loans, as far as I understand it. If you decide to open a loan for consolidation, it will probably drop your score a little. I thought this review was pretty useful for Fiona: Here . Although I haven't found many first account reviews so far. Since I have a couple...Read More...
Last Reply By Mary Grubbs · 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 fiancee 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?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...
My better half is a licensed land surveyor. I retired from a long career in real estate to help him open up his own business which we chose to run from our home. We were able to connect with builders and developers to create a niche surveying business that has served us very very well with low overhead. The trades are in high demand in our area of FL, save for the big crash in 2008, but they have bounced back full steam now.Read More...
Last Reply By LeighofMar · First Unread Post

Suggestions for a low cost getaway

KellyFromKeene
I am looking for ideas for a less expensive getaway for a few days in the New England area. I know I can go do a Google search, but I wondered if any of you have traveled up here and had an experience that you would recommend. I DO NOT like to camp. I'll take any other ideas! TIA.Read More...
Thanks, everyone!Read More...
@KellyFromKeene Cape Cod is great up until around October. In Provincetown, there are tons of shops and art galleries and great restaurants, etc. The warmer months are even more fun for the beaches, kayaking and whale watching. I totally agree with @SicilianSarah about Portland. Ogunquit in Maine is a quaint little village on the water -- close to Portsmouth, NH. I also really enjoy Providence, RI. Mystic, CT is a beautiful little town full of things to do -- a great aquarium and cute little...Read More...
Last Reply By KellyFromKeene · First Unread Post

How do you distribute your income?

Forum: Budgeting
Hi, My husband and I both work typical full time jobs and I was basically paying the minimum on my loans and credit cards. However, we recently inherited a very large collection of comic books dating all the way back to the 30's and 40's. Right now we are working on moving these books for additional income and so far the amount we're making is so great we've had to claim ourselves as small business owners selling out of our home. My question for everyone is, how should I distribute this...Read More...
Hey, my earnings come in Kenya shilling but the principal is the same i bet.percentages.That is: 10% Tithe 30% personal needs 40% family 10% savings 10% charity Ithen share out the percentages according to the budget.what I cant then is pushed to the next month with first priority. Kinyua On Tue, 10 Sep 2019 at 17:36, The Penny Hoarder Community < [email protected]> wrote:Read More...
Personal loan 150Read More...
Last Reply By John Kinyua · First Unread Post

work from home

Forum: Make Money
Diane Stevens-Zombo Mennen
I am a retired HR director for a major airline. I would like to do work from home to add to our income. Computer work, or mystery shopping. I need a reputable company referral.Read More...
Hi @Diane Stevens-Zombo Mennen Have you looked at The Penny Hoarder's work from home portal? https://www.thepennyhoarder.com/wfh/Read More...
Last Reply By Theodora · First Unread Post

Laptops

Forum: Make Money
Irene Frisch
I am very interested in working from home such as customer service support , data entry, etc... but I need a good laptop to start-Can anyone recommend one at reasonable priceRead More...
may i know how to apply for data entry jobsRead More...
If you want to start online work Freelancing thats a really great idea best of luck with that you would definitely be needing a good laptop but it depends on your budget try a pre owned laptop, you could get a good laptop for $300 - $500. The next step would be starting online work there a lot of platforms to get freelance jobs e.g ( freelancer, fiverr, upwork, etc). you could offer your services according to your interest and earn good passive income for more help please visit for online...Read More...
Last Reply By shama shahbaz · First Unread Post

Passive Income

Forum: Make Money
EzraW
What are your passive income tips?Read More...
For me the best option for passive income for a student or any other person familiar with computer is Best Freelance services here you could find virtual assistance jobs or writing jobs and a lot. I personally prefer Graphics design jobs and i get quite great clients check out my gigs AmiGraphics works i also do mobile apps ideas designs for a lot of my clients Mobile App UI Ux design and a lot such as Business Card design and stationary design . i really like what i do and it gets...Read More...
Thanks!Read More...
Last Reply By AmiGraphics · First Unread Post
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