America is in a financial literacy crisis, and advisors can fix the problem - CNBC

America is in a financial literacy crisis, and advisors can fix the problem  CNBC

Financial services providers are uniquely positioned to change the conversation around literacy and address the elephant in the room: the "money talk" taboo.



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Music royalties reach record high but songwriters 'on minimum wage' - BBC News

Music royalties reach record high but songwriters 'on minimum wage'  BBC News

The money that artists receive when their tracks get played has just hit a record high. In 2018 £746 million was paid out - a rise of 4% on 2017. PRS for music ...



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



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Music royalties reach record high but songwriters 'on minimum wage' - BBC News

Music royalties reach record high but songwriters 'on minimum wage'  BBC News

The money that artists receive when their tracks get played has just hit a record high. In 2018 £746 million was paid out - a rise of 4% on 2017. PRS for music ...



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America is in a financial literacy crisis, and advisors can fix the problem - CNBC

America is in a financial literacy crisis, and advisors can fix the problem  CNBC

Financial services providers are uniquely positioned to change the conversation around literacy and address the elephant in the room: the "money talk" taboo.



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How to go green on a budget — and actually save more money - NBC News

How to go green on a budget — and actually save more money  NBC News

Going green can be intimidating if you're on a tight budget because so often saving money and buying sustainably are pitted against one another. I can't count ...



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Cushion wants to negotiate bank service fees on your behalf - TechCrunch

Cushion wants to negotiate bank service fees on your behalf  TechCrunch

Out-of-network ATM fees. Monthly *service* fees. Card replacement fees. Foreign exchange fees. Wire transfer fees. Overdraft fees. Check fees. Fees, fees, fees ...



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Music royalties reach record high but songwriters 'on minimum wage' - BBC News

Music royalties reach record high but songwriters 'on minimum wage'  BBC News

The money that artists receive when their tracks get played has just hit a record high. In 2018 £746 million was paid out - a rise of 4% on 2017. PRS for music ...



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How to go green on a budget — and actually save more money - NBC News

How to go green on a budget — and actually save more money  NBC News

Going green can be intimidating if you're on a tight budget because so often saving money and buying sustainably are pitted against one another. I can't count ...



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8 Ways On How to Live Like a Poor College Student to Save Money

Frugal For Less Frugal For Less - Make And Save Money With Little Effort Are you looking for new, actionable ways to save money? You can recreate your college years living like a poor college...

[[ This is a content summary only. Visit my website for full links, other content, and more! ]]


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Music royalties reach record high but songwriters 'on minimum wage' - BBC News

Music royalties reach record high but songwriters 'on minimum wage'  BBC News

The money that artists receive when their tracks get played has just hit a record high. In 2018 £746 million was paid out - a rise of 4% on 2017. PRS for music ...



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How to go green on a budget — and actually save more money - NBC News

How to go green on a budget — and actually save more money  NBC News

Going green can be intimidating if you're on a tight budget because so often saving money and buying sustainably are pitted against one another. I can't count ...



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via IFTTT

Cushion wants to negotiate bank service fees on your behalf - TechCrunch

Cushion wants to negotiate bank service fees on your behalf  TechCrunch

Out-of-network ATM fees. Monthly *service* fees. Card replacement fees. Foreign exchange fees. Wire transfer fees. Overdraft fees. Check fees. Fees, fees, fees ...



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Cushion wants to negotiate bank service fees on your behalf - TechCrunch

Cushion wants to negotiate bank service fees on your behalf  TechCrunch

Out-of-network ATM fees. Monthly *service* fees. Card replacement fees. Foreign exchange fees. Wire transfer fees. Overdraft fees. Check fees. Fees, fees, fees ...



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Common Blogging Mistakes To Avoid

Blogging is very easy to do, anyone can do it. But also because it’s so easy to do, it’s easy to make common mistakes. Often times, we don’t even notice the mistakes that we are making. For beginners, you’re going to make mistakes, it’s inevitable. But why try to reinvent the wheel when there are […]

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Cushion wants to negotiate bank service fees on your behalf - TechCrunch

Cushion wants to negotiate bank service fees on your behalf  TechCrunch

Out-of-network ATM fees. Monthly *service* fees. Card replacement fees. Foreign exchange fees. Wire transfer fees. Overdraft fees. Check fees. Fees, fees, fees ...



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How to go green on a budget — and actually save more money - NBC News

How to go green on a budget — and actually save more money  NBC News

Going green can be intimidating if you're on a tight budget because so often saving money and buying sustainably are pitted against one another. I can't count ...



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America is in a financial literacy crisis, and advisors can fix the problem - CNBC

America is in a financial literacy crisis, and advisors can fix the problem  CNBC

Financial services providers are uniquely positioned to change the conversation around literacy and address the elephant in the room: the "money talk" taboo.



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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It pays to tread carefully when lending money to family and friends - CNBC

It pays to tread carefully when lending money to family and friends  CNBC

Loaning money to family or friends can be a complicated and emotional subject for many people. To that point, a friend recently confided in me about money ...



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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How to go green on a budget — and actually save more money - NBC News

How to go green on a budget — and actually save more money  NBC News

Going green can be intimidating if you're on a tight budget because so often saving money and buying sustainably are pitted against one another. I can't count ...



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America is in a financial literacy crisis, and advisors can fix the problem - CNBC

America is in a financial literacy crisis, and advisors can fix the problem  CNBC

Financial services providers are uniquely positioned to change the conversation around literacy and address the elephant in the room: the "money talk" taboo.



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This 26-Year-Old Created a Money-Making Empire With Viral Videos Featuring His Grandma - MONEY

This 26-Year-Old Created a Money-Making Empire With Viral Videos Featuring His Grandma  MONEY

Despite what you might think, being an influencer involves a lot more than taking obscene amounts of selfies. For Ross Smith, it means spending $200,000 a ...



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Using This Credit Card Could Get You a Free Month of Groceries This Year

Can you imagine getting a free month of groceries?

That whole portion of your budget would just… disappear.

Woosh. Gone for a month. Then you’d have more financial wiggle room for other necessities — or to save for that vacation you’ve been dying to take.

It sounds too good to be true, but covering a full month of grocery expenses is actually quite easy.

Here’s What You’ll Need…

A cash-back credit card can be your best friend… as long as you’re smart with your spending.

We like the cash-back cards that have no annual fees (those can negate the actual benefits of the card) and that offer cash back without complicated spending categories.

The Chase Freedom Unlimited card fits the bill. It has no annual fees, and you automatically get 3% cash back on all your purchases up to $20,000 for the first year. After that, you’ll get unlimited 1.5% cash back on all purchases.

Our Strategy to Bagging a Free Month of Groceries This Year

How much do you spend on groceries each month?

It’ll vary, of course, but the average individual in the U.S. between ages 19 and 50 spends about $280 a month, according to February 2019 USDA data. We’ll use that as our baseline.

So here’s what you’ll charge to your Chase Freedom Unlimited card (only necessities!) to snag $280 in cash back within a year’s time:

  • Charge your monthly $280 grocery bill to your card each month. That’s $100 in cash back throughout the year.
  • Now, how much do you spend on gas each month? You’ll get cash back for that, too. The average American spends $164 filling up their vehicle each month, according to the U.S. Bureau of Labor Statistics. Charge that to your card each month, and that’s another $60 in cash back for the year. You’re up to $160 in cash back now.
  • Charge all the bills you’re already paying each month to your card, as well: Car insurance (an average of $118.63 a month), cell phone (an average of $93.17 a month) — plus roughly $100 for internet, cable, subscription services and other bills you pay each month… That’s another $112 in cash back for the year.

And you’re already at $272 in cash back for the year without changing your spending habits. Throw in a meal or two out per month (we know you’re going to treat yourself!), and you’ll easily top $280 in cash back for the year.

Just use this card to buy the things you already need — and by the end of the year, you’ll have earned enough to get free groceries for a month.

It takes only a few minutes to sign up for a shiny new Chase Freedom Unlimited card.

The information for the Chase Freedom Unlimited card has been collected independently by The Penny Hoarder. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The Penny Hoarder is a partner of Credible.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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How to go green on a budget — and actually save more money - NBC News

How to go green on a budget — and actually save more money  NBC News

Going green can be intimidating if you're on a tight budget because so often saving money and buying sustainably are pitted against one another. I can't count ...



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How to go green on a budget — and actually save more money - NBC News

How to go green on a budget — and actually save more money  NBC News

Going green can be intimidating if you're on a tight budget because so often saving money and buying sustainably are pitted against one another. I can't count ...



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Facebook is still making money and adding users despite controversies - Axios

Facebook is still making money and adding users despite controversies  Axios

Facebook continues to make mountains of money, serve more users than ever before, and plan bold new moves. Why it matters: That's all after the company's ...



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Don't make this 'huge mistake' with your 401(k), says one expert - CNBC

Don't make this 'huge mistake' with your 401(k), says one expert  CNBC

A lot of Americans don't know how to maximize their money when investing in a 401(k). And financial expert Ramit Sethi says that can lead to some expensive ...



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Music royalties reach record high but songwriters 'on minimum wage' - BBC News

Music royalties reach record high but songwriters 'on minimum wage'  BBC News

The money that artists receive when their tracks get played has just hit a record high. In 2018 £746 million was paid out - a rise of 4% on 2017. PRS for music ...



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



from "making money" - Google News http://bit.ly/2L9UImy
via IFTTT

Music royalties reach record high but songwriters 'on minimum wage' - BBC News

Music royalties reach record high but songwriters 'on minimum wage'  BBC News

The money that artists receive when their tracks get played has just hit a record high. In 2018 £746 million was paid out - a rise of 4% on 2017. PRS for music ...



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Much ado about socialism - Kennebec Journal & Morning Sentinel

Much ado about socialism  Kennebec Journal & Morning Sentinel

Another letter warning us about the dangers of socialism. But what is socialism? It is better to ask, “What is an 'ism'?” An “ism” is a system of beliefs based upon ...



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



from "making money" - Google News http://bit.ly/2L9UImy
via IFTTT

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



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Don't make this 'huge mistake' with your 401(k), says one expert - CNBC

Don't make this 'huge mistake' with your 401(k), says one expert  CNBC

A lot of Americans don't know how to maximize their money when investing in a 401(k). And financial expert Ramit Sethi says that can lead to some expensive ...



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via IFTTT

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



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Some investors are living in a parallel universe and forget what happened 20 years ago - CNBC

Some investors are living in a parallel universe and forget what happened 20 years ago  CNBC

The City of London, Wall Street and others are all looking for the next big thing, the next Amazon everyone can get behind and pump billions into the momentum ...



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



from "making money" - Google News http://bit.ly/2L9UImy
via IFTTT

Don't make this 'huge mistake' with your 401(k), says one expert - CNBC

Don't make this 'huge mistake' with your 401(k), says one expert  CNBC

A lot of Americans don't know how to maximize their money when investing in a 401(k). And financial expert Ramit Sethi says that can lead to some expensive ...



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via IFTTT

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



from "making money" - Google News http://bit.ly/2L9UImy
via IFTTT

Don't make this 'huge mistake' with your 401(k), says one expert - CNBC

Don't make this 'huge mistake' with your 401(k), says one expert  CNBC

A lot of Americans don't know how to maximize their money when investing in a 401(k). And financial expert Ramit Sethi says that can lead to some expensive ...



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More Than the Music: How Savvy Artists Like Soulja Boy, Junglepussy, and Cuco Are Setting Themselves Apart - Complex

More Than the Music: How Savvy Artists Like Soulja Boy, Junglepussy, and Cuco Are Setting Themselves Apart  Complex

In a rapidly changing music industry, artists are exploring new business models, and they go way beyond selling music.



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Don't make this 'huge mistake' with your 401(k), says one expert - CNBC

Don't make this 'huge mistake' with your 401(k), says one expert  CNBC

A lot of Americans don't know how to maximize their money when investing in a 401(k). And financial expert Ramit Sethi says that can lead to some expensive ...



from "making money" - Google News https://cnb.cx/2V4PRHA
via IFTTT

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



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Nora Turriago: Let's meet in Northampton to discuss Amherst's parking problems - GazetteNET

Nora Turriago: Let's meet in Northampton to discuss Amherst's parking problems  GazetteNET

The town of Amherst has made a name for itself as an intellectual college town, where progressive beliefs are matched only by residents' fondness for ...



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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More Than the Music: How Savvy Artists Like Soulja Boy, Junglepussy, and Cuco Are Setting Themselves Apart - Complex

More Than the Music: How Savvy Artists Like Soulja Boy, Junglepussy, and Cuco Are Setting Themselves Apart  Complex

In a rapidly changing music industry, artists are exploring new business models, and they go way beyond selling music.



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



from "making money" - Google News http://bit.ly/2L9UImy
via IFTTT

Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



from "making money" - Google News http://bit.ly/2L9UImy
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Zero Commission Brokerages – How Do They Make Money? - Benzinga

Zero Commission Brokerages – How Do They Make Money?  Benzinga

As I travel around the country speaking to users, trading clubs, partners and peers, without fail, the first question I get after I explain our trading ...



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Bank of America Hikes Wages to $20, Hires Thousands From Low-Income Areas

Bank of America is making promises. Big ones.

The second largest U.S. banking conglomerate announced a plan to raise its minimum wage to $20 an hour. The minimum wage will immediately spike to $17 and creep its way to $20 by 2021. In a press release, the banking giant also doubled down on a promise to hire 10,000 workers from low-to-moderate income communities by 2023. So far, it has hired 4,700.

“We are raising our minimum wage because we believe that to best serve our customers and clients, we need the best teams,” said Sheri Bronstein, chief human resources officer at Bank of America, in the release.

And to build those teams, Bank of America is partnering with nonprofits like Year Up and the Boys & Girls Clubs of America to find and foster talent from all backgrounds. Once hired, these workers from lower-income areas are given more career-training opportunities through an internal program called The Academy.

“The Academy is like a university within the company,” said John Jordan, the head of Bank of America’s Academy and Advisor Development, in the announcement.

According to Bank of America, all new hires have gone through 80-plus hours of Academy training.

But is the banking industry a good, long-term career option? We dug into the latest employment data and found that, while some jobs are on their way out, others look promising.

Bank of America Jobs: Career Kickstarters or Doomed by Automation?

When thinking of bank jobs, you may first think of bank tellers, the frontline workers at brick-and-mortar banks who help with simple banking services. Then, you might think of ATMs replacing those tellers. It’s even in the name — Automated Teller Machine.

So, who would want these Bank of America jobs if they’re going to be replaced by machines?

According to the latest stats from the Bureau of Labor Statistics, bank teller jobs are indeed on the decline.  

By 2026, bank teller jobs are expected to shrink by 8.3%, or 41,800 jobs total.

But banks comprise a lot more positions. At Bank of America, there are more than 80 different classes of jobs — including some not-so-obvious ones like marketing, clerical and customer service. And as of May 1, each one will pay a guaranteed $17 an hour.

Overall, the financial services industry is set to grow 9.6% by 2026, according to the BLS. On closer look, a few financial jobs in particular have promising prospects:

  • Financial managers are slated to balloon 18.7%, or by 108,600 jobs, and have a median pay of $127,990.
  • Personal financial advisers will increase 14.9%, or by 40,400 jobs. Median pay is $88,890.
  • Financial analysts are expected to grow 10.9%, or by 32,300 jobs, with a median pay of $85,660.

With $20 minimum wage, high growth potential in several sectors and on-the-job training from The Academy, it doesn’t sound exactly sound like these jobs are on a fast track to becoming obsolete any time soon. 

Bank of America Hiring Events

If you want in on Bank of America’s recent workforce changes, we found several ways to help your job hunt, including online and in-person career events and its online jobs portal with more than 7,000 open positions.

Virtual Job Fair for Financial Advisers

On May 14, Bank of America is hosting an online event led by some of its Hispanic financial advisers of the Merrill Lynch branch. The hour-long event starts at 7:30 p.m. Eastern time, and registration is free.

And we got you covered, if you don’t know how to prepare for a virtual job fair.

Pro Tip

Treat a virtual job fair just as you would an in-person one. Come prepared with questions and be interview-ready in case things go well.

In-Person Career Events

For residents of California (Los Angeles and San Francisco), Georgia, Illinois, New York, New Jersey, North Carolina, Pennsylvania, Texas and Virginia, Bank of America is holding career events and open houses for numerous job categories throughout May and June. Click your area for more details on each event.

Veterans, newcomers to the banking industry and people looking re-entering the workforce are encouraged to attend.

Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

Data Journalist Alex Mahadevan contributed reporting for this story.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Teens are getting rich off this social shopping app as their shopping habits change the fashion industry - Business Insider

Teens are getting rich off this social shopping app as their shopping habits change the fashion industry  Business Insider

Depop is a social shopping app that has been described as a mix of eBay and Instagram and is targeted at Gen Z shoppers.



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Don't make this 'huge mistake' with your 401(k), says one expert - CNBC

Don't make this 'huge mistake' with your 401(k), says one expert  CNBC

A lot of Americans don't know how to maximize their money when investing in a 401(k). And financial expert Ramit Sethi says that can lead to some expensive ...



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Is 30 Day Success Formula a Scam? Is it Really Just a Scheme?

There are an awful lot of blogs, videos and sites recommending 30 Day Success Formula, but you won’t find me doing that. Is it because I think it’s a scam? 

Well the truth is, I can’t actually prove that, and I will not say that its a scam, and I do believe that you can actually make money by participating in this opportunity (I will not though and I’ll explain why that is shortly).

BUT based on the research I did, I think there is something very questionable going on. Specifically, this “opportunity” sounds like a mix of a cash gifting, a money mail ordering scheme and POSSIBLY a pyramid scheme.

Now this is my opinion, and I could be 100% wrong, but if you know who I am, the fact that I do make money from home (online), the fact that I understand the differences between legit ways to make money and illegitimate ways, you’ll know why I am truly reluctant to participate in the 30 Day Success Formula opportunity, and why I do not recommend it.

30 day success formula alternative

I will be explaining more thoroughly why I believe in my option far more than 30 Day Success Formula’s one as you continue reading my post on it.

Usually I provide a “score” of a program I review, but in this instance, I just can’t really give an accurate score, but I’ll give you the details on this program, the reasons I am not participating in it, show you more info on my alternative opportunity and you can then decide if you wish to try 30 Day Success Formula, or the other thing I recommend, or none of them at all. It’s your decision.

Let’s first begin with explaining the opportunity of the other program:

What is the 30 Day Success Formula?

Most of the reviews I have found regarding this program seem extremely biased and that’s because they send me to a link that promotes the opportunity to me. It was during one of the reviews I had looked at that led me to a PDF document describing it in detail and here is what I learned:

The 30 Day Success Formula is an opportunity that involves you participating in mailing out money to specific addresses and what is said to happen once you do this is that some third party company is said to promote on your behalf to get leads to send money back to you. This is at least what I gathered from the PDF document which so far is the only truly informative explanation of what 30 Day Success Formula is.

Now supposedly (this is how I understood it), if you participate in this opportunity, you get a special “invite code” that whoever you mail the money to, will be able to use to log into the site and start participating in the opportunity as well and if they do, a portion of the money they invest, will be mailed back out to you.

And that person who sent you the money will also have the opportunity to invest money into getting others to participate in the opportunity as well.

There are 6 levels to 30 Day Success Plan (aka investments):

You have 6 levels of choice to join this program at. The more you initially invest, the more you are eligible to earn. I’ll provide a screenshot of this momentarily…

The first level is said to be at $250, but from the PDF I read, said it was discounted to $89, and you sent you 3 letters to 3 different addresses, with hopes that least one of them will decide to join and send you money back.

The next level is officially at $250, and it works the same way, except the money you get back from each person who sends you it, is higher.

The next level costs $1,000 and obviously, the opportunity to make more back exists.

Then the following level above that is $2,500.

Followed by this is a level that costs $5,000 but offers you opportunities to make $2,000 back from each direct person who decides to participate in the opportunity and send you money. You will also get “indirect” sales from that person who gets others in, and this exists on every level by the way.

And finally, level 6 is set at $12,500 to join (which is an interesting number because it’s related to cash gifting amounts, which is a red flag for me as I’ll explain), but this is the one which presents the highest investment risk and highest potential return.

Here is a screenshot of each level, and the amount you can potentially make:

30 day success formula compensation screenshot

An “optional” method to make more.

So with each option above, the “key” to making more is sending out more “letters” with offers to participate in the opportunity which is why in the very same PDF form I saw, in the order section, besides selecting which level you will be applying for (and sending cash from), you will also have the option to pay more to send out more letters and that basically means that the more letters sent out means more opportunity for more people to sign up and have you make more back (I’ve circled the image below with the options):

30 day success formula cash gifting

The costs are $299, $599 and $1,338 and they claim to have a 4% response rate for the letters sent out, which if true does mean you can make money back.

I actually have a lot of experience with these types of opportunities (and they are not good):

Not only have I gotten these kinds of opportunities in the mail personally, but in this section of the review, I will explain the main reasons why I am not participating in the opportunity 30 Day Success Formula offers. Again, this is my opinion:

The reasons I don’t believe in 30 Day Success Formula:

First, let me say that I DO believe people can make money from participating in this system, but I also believe there are schemes in the back end (and I will explain the details of why I believe this), so just because you are able to make money with this system, does not mean it’s totally legit either…

1) So the first experience I have to share with you is that is that I have actually gotten letters in the mail about these types of opportunities, where the basic message is, pay this much and you’ll be able to get back so and so, followed up by success story testimonials. I just rip these things up, and don’t bother because I do not trust them (I believe they are get rich quick schemes). The reason I don’t trust them is because…

2) I believe these things are cash gifting opportunities. There was a good article I read on an official government website for the state of Michigan which explained these things as being schemes and even pyramid schemes (the next reason I am not joining this opportunity).

I do believe 30 Day Success Formula is basically a cash gifting program and with all the negatives I have discovered about these types of opportunities, it has moved me away from ever trying them. Now remember that $12,500 investment I mentioned above and remember it?

Well I did so because when I first started investigating cash gifting programs, this number came up (It’s about $12,000) and the reason it’s so special is that supposedly if you make under $12,000, you don’t pay taxes on it and I have an updated article I found on this info here.

Cash gifting programs are also believed to be ways to avoid counting the money people make as income (since it’s considered a gift), but I make NO claim that this opportunity is some sort of tax scheme, or fraud type thing. I’m just saying these numbers seem coincidental…

3) Pyramid scheme? When I look at how the opportunity with 30 Day Success Formula and I run basic math, it seems like the opportunity benefits a few people. Let me explain:

Let’s take opportunity 2, where you pay $250 to start:

You



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How to Plan for Summer Camp So You’re Not Broke By the Fall

If the thought of summer makes you imagine fun, carefree living, then you must not be a parent faced with finding — and paying for — supervised care for children who are out of school for two-and-a-half months.

According to the American Camp Association, the average weekly cost of day camp can range from just under $200 to over $800. Yes, per week. And if your kiddo is dying to go to sleep-away camp, you could be staring at thousand-dollar weekly rates. Yikes!

Kids, of course, are oblivious to the high costs. They just want to enjoy themselves, make new friends, play sports and create crafts. And while it may be pricy, the fact remains that unless you have the entire summer off work or you’ve roped the grandparents or a cheap babysitter into providing care, the kids are going to have to go somewhere.

Still, if you’re going the camp route this summer, that doesn’t mean your budget has to be obliterated. Here’s what you need to know when staring a season of summer camp in the face.

Analyze the Summer Week by Week

Time to get out your calendar. Flip to the months of June, July and August and see what’s already planned. If you have an upcoming family vacation or are hosting out-of-town relatives, cross off those weeks.

Many camps charge tuition by the week, anticipating that the same group of children may not be in attendance the entire time. Instead of stressing over what you’ll do with the kids for the whole summer, view the time off school in weekly chunks.

Once you nail down which weeks you’ll want them in camp, make sure to register as early as possible to avoid spots filling up. Look beyond traditional camps held in woodsy settings. Local museums, colleges, private schools, child care centers, arts organizations and nature groups host summer camp too.

You don’t have to commit to one camp for the entire summer either. If your child really wants to attend a pricy theater arts class, schedule a couple weeks there and the rest of the time at a cheaper option.

Consider the Hidden Costs

When budgeting for summer camp, recognize that the weekly rate isn’t all you have to pay for. Most camps will require you to pay a registration fee. Some may also charge additional fees for field trips, T-shirts or supplies.

You’ll need to plan and budget for transportation costs to and from camp — a new expense if your kid normally takes the bus to school. Choose a camp close to home or work to minimize transportation costs or arrange a carpool with other families attending the same camp.

You may also need to include the cost of lunch and snacks in your budget if the camp doesn’t provide food.

For many working parents, a summer camp’s schedule doesn’t line up with hours on the job. Many camps offer before- and after-program care. However, plan to pay an additional cost for that perk.

Explore Summer Camp Financial Assistance

Don’t feel like you have to succumb to those scary average-price-of-camp statistics. Less expensive options exist.

Though it may not be widely advertised, your camp of choice may offer scholarships, price discounts or other forms of financial assistance.

Over 93% of camps reported that they offer financial assistance, and 67% award at least $10,000 in scholarships each year, according to the American Camp Association

Speak with the camp director to see if you qualify for financial assistance or even a special payment plan. Don’t assume your income makes you ineligible. There’s no harm in asking.

Your summer camp may offer discounts for enrolling multiple children, referring another family, being a returning camper, signing up for a certain number of weeks or registering early.

Camps hosted by public or nonprofit entities may be more affordable options. Check your local school system, library or your city or county’s park and recreation department to see what summer programs they offer. The YMCA, the Boys and Girls Club, the Police Athletic League and churches or other religious organizations also provide summer camps at rates that may be less expensive than privately-run programs.

Don’t discount the creativity of your own social circle when it comes to summer care options. You could DIY your own summer camp program, like this group of friends and neighbors in Rockland County, New York, did.

To create your own summer camp co-op, stagger time off work with the other parents in the group. Whoever’s off work would be in charge of watching the kids and leading them in fun activities — or the group can collectively pay for a child care professional to do the job.

Start Saving Now for Next Year

A good approach to tackling the cost of summer camp is to start saving early. It’s pretty late to begin saving for this year, but you have more than 12 months to save up for next year’s camp costs if you start now.

Pro Tip

If you’ve been contributing to a dependent care flexible spending account (FSA), you could use that money to cover summer camp costs for children under age 13.

Estimate the costs you’ll pay for your kids to participate in summer camp next year and divide the total by 12 to determine how much you need to save each month. Having to come up with $300 each week is much more manageable when you have a year to save up.

Nicole Dow is a senior writer at The Penny Hoarder. Camp Grandma is going to be a life saver — well, really a money saver — for her this summer.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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A financial planner breaks down why 'more money' is a useless goal - Business Insider

A financial planner breaks down why 'more money' is a useless goal  Business Insider

The worst financial goals Eric Roberge hears from his clients are generally along the lines of earning, saving, or having "more money."



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Can You Really Trust ScamXPoser’s Reviews?

scamxposer reviewScamXPoser, created by David Harris is a website that provides reviews on many make money online (MMO) opportunities and tells you whether or not they are legitimate.

While I like the overall site and agree with most of the verdicts given there, I found that there are a number of products on that website which are given a high rating, that I personally have rated VERY low and consider a scam.

While I do like the site overall, I just don’t agree with some of it’s recommendations.

Before I go any further, I’d like to point out that there are MANY websites like ScamXposer which follow the same model of business:

A) They review products in the MMO niche.

B) They give it a score/rating and tell you if it’s a scam/legitimate.

C) Many of these websites also promote the products they rate as legitimate and make a commission in the process.

D) In fact, the very website you’re on right now pretty much does the same thing. However, I consider myself a much more stricter grader of products and recommend very few. My whole idea is that if I can’t make money honestly with it, I can’t recommend it to anyone.

However the last part (C) is where you may find a potential “conflict of interest”. You see many websites which rate MMO programs/companies may pick and choose ones which:

  • Pay them a lot.
  • Ones they have a personal connection with. 
  • Other reasons (financial most likely).

This brings up the issue of trust and whether or not you can believe the reviews you see. In ScamXposer’s case, I agree with pretty much 70%-80% of everything listed there and how the programs are rated. I’m also going to be perfectly honest, whenever I do research on MMO products, one of the places I check is with this site. 

But in spite of that, as I said in the beginning of this post, I absolutely do not agree with some of it’s recommendations. I’m going to explain this by a number of companies ScamXposer recommends and how I have personally rated these same companies on my site. Some of them are in the green light area (legitimate), but most are not. I’m also going to explain why I gave it the rating I did.

  • David rates companies on a 5 star scale, with 5 stars being the best score.
  • I rate companies on a 10 star scale, with 10 being the best score. Anything 4 and lower is not recommended in my book.

Reviews where I disagree with David:

Example 1:

Internet Income University (IIU): David rated it 5 stars. I rated it 3 stars out of 10, which is not recommended.

Why I rated it so: It’s a decent system, but pushes it’s own products for you to promote and it’s membership prices as well as what it offers can be attained for less money and even free. Check out my review of IIU.

Example 2:

Empower Network (EN): David rated it 5 stars. The review he put up is from 2012. I rated it 1 out of 10 stars (worst score possible).

Why I rated it so: I consider EN to be an absolute pyramid scheme. It provides you with a blogging platform that once had high prestige in search engines and thus ranked high. Note, I did say ONCE.

It also “provides” VERY expensive training which can end up costing you $1,000’s, literally. While you can make A LOT of money through this program, in reality less than 1% of everyone who uses EN makes a profit. Furthermore, it’s my opinion that EN is one of the most unethical companies I have ever reviewed. Reasons why.

Example #3:

Work from No Home: David rates it 5 stars. I rated it 4 stars out of 10, which is BORDERLINE recommended in my book.

Why I rated it so: This is one of the few occasions where I somewhat agree with David. The program is legitimate, but there are missing pieces to it and some of it’s recommendations are outdated and just won’t work anymore. Check out my review of Work From No Home to see why.

Example #4:

Clickbank Pirate: David’s rating, 5 stars. My rating: 2 stars out of 10 which is a red light in my book.

Why I rated it so: Clickbank pirate basically uses a lot of very outdated training that can ruin your website’s success. I’m not sure when David wrote the review on this product, but it must have been years ago since at the time of it’s release, the program’s approach to making money did work. Not anymore.

And while this program has the Clickbank name, it’s not reflective of the Clickbank program as a whole, which I personally DO like and have made money with.

Example #5: 

Site Build it (SBI): David gave it 5 stars, I gave it 3 out of 10 stars.

Why I rated it this way: SBI basically makes HTML sites and using an approach to SEO (ranking on search engines) that is very outdated. During it’s inception years ago, SBI worked very well, but nowadays WordPress is king and SBI just hasn’t “evolved” with the times. 

Update: Originally I didn’t agree with David on this one, but SBI did improve and here is the new review.

Example #6:

30 Day Success Formula: David’s site recommends it, I don’t. 

Why I rated it this way: I believe this particular program to be a scheme of various sorts and do NOT trust its promises. I would not recommend it.

Reviews where I agree with David:

Example 1:

Chris Farrell Membership: David’s rating: 5 stars. My rating: 7 out of 10 stars. 

Why I rated it so: One of the few programs I agree should be recommended (Chris Farrell Membership). It is an excellent website for newbies to online marketing (but this is the best). However, I could not give it my “full approval” because it stops after the beginner level basically. Never the less, I like this program.

Example 2:

Affilorama: David gave it 5 stars. I gave it 6 out of 10 stars.

Why I rated it this way: Another good program with excellent training is Affilorama. But I couldn’t give it more stars because the program can be very costly and the owner has you promote his products. However, in spite of that, the program is legitimate and I would recommend it. I just wouldn’t rate it as high as David did. 

Example #3: The one where we are aligned!

Wealthy Affiliate (WA): David gave it 5 stars. I gave it 10 stars out of 10.

Why I rated it this way: WA is the #1 recommended program on this website. Frankly I think it’s as close to “perfect” as any MMO program and the main reason is that they are straight forward and don’t hype themselves up.

They simply teach you how to build an online business and they also cost nothing to join. The training there revolves around all forms of online marketing so you’re getting the best of everything and the support is amazing.

I’ve personally been a member there for many years and will continue to do so as long as they keep doing what they’re doing. I’d recommend checking out my full review on WA to see if this is something you should try. 

There are a number of other programs I’ve reviewed that I agree/disagree with David on, but I think you’re seeing my point here.

scamxposer alternative

My final thoughts on ScamXposer:

For the most part David does a great job reviewing and explaining many of his programs and I visit his site to see cross check his thoughts on my programs I’m also exploring and thinking of reviewing.

While many of ScamXposers reviews are what I would consider accurate, at least by my standards, there are still a number of them I just can’t agree with.

My #1 advice is when doing research for MMO products is to explore multiple places which review them and see what the overall score is. Don’t just look at ScamXposer. Don’t just look at this site. Get opinions from places, B, C, D, ect…, not just A.

One thing I can safely say however is that if you’re looking to make an honest buck online, I recommend WA above all. I’m almost certain you’ll find similar opinions on other sites for this program.

What do you think? Do you agree/disagree with my opinion of ScamXposer? 



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