It’s Time to Cut Yourself Off: 4 Ways to Do a No-Spend Challenge

It’s Time to Cut Yourself Off: 4 Ways to Do a No-Spend Challenge

The less you spend, the more you save.

It sounds simple in theory, but in practice, it’s much more complicated.

Spending has become part of our natural routine. It’s built into our daily habits. We treat it as a pastime when we’re bored. We drop hundreds with a few taps on our phone. Even when we try our best to stick to a budget, we get sucked into buying stuff … leaving our savings to suffer.

A no-spend challenge can help you reset your spending habits and pad your savings. It’s kind of like a crash diet, but in a good way! 

Despite the name, a no-spend challenge doesn’t mean you sit on your hands and spend no money whatsoever. After all, you don’t want to fall behind on your bills, and there are some necessities you simply can’t do without. With a no-spend challenge, you cut out non-essential spending for a certain amount of time. 

So groceries, yes. Candy bar in the checkout line, no. Also, no new iPhone, even if you qualify for an upgrade. No new shoes, even if they’re on a huge sale. This is not the time to make excuses to buy stuff you don’t really need.

Use the money you normally would have spent to go toward your savings or debt repayment goals. 

While a no-spend challenge is meant to serve as a temporary personal finance boost, you can always extend the challenge or — extra points for this — treat it as more of a lifestyle change.

Ideally, your no-spend period will help you make long-lasting changes to your spending habits. Perhaps going without making vending machine purchases at work will help you realize you don’t need to buy those snacks on a regular basis. But be careful not to deprive yourself so much that you binge spend once your challenge ends.

4 Ways to Challenge Yourself to Stop Spending Money

There isn’t just one way to do a no-spend challenge. Gear your challenge to what works best for you. Here are four different ways to approach this money-saving strategy.

Ban Spending for a Set Amount of Time

This is probably what comes to mind when most people think of a no-spend challenge. This approach involves banning all spending (outside of essentials) usually for an entire month — though you could do it for less time or more to switch up the difficulty level. 

People who want to save money before the winter holidays — and those who love alliteration — will commit to a No Spend November, like The Penny Hoarder contributor Jamie Cattanach did a few years ago.

Track No-Spend Days

An easier way to incorporate a spending ban in your life is to establish a certain number of days per month when you won’t make any purchases. You can start small with 5 no-spend days or try something more challenging, like 15 days. 

Track your daily spending so you can take note of which days you don’t spend a thing.

The upside to this approach is that you don’t have to ban spending for a long stretch of time. Your no-spend days can be scattered throughout the month in a way that feels natural, so you hardly even realize you’re going without spending.

Target Your Weaknesses

You know your shopping weaknesses. Maybe it’s buying new clothes, ordering take-out too often or overspending on Amazon. This approach focuses your no-spend challenge on a particular type of item or retailer, rather than banning all discretionary spending.

Since you’re just focusing on one or two things — like no makeup or no video games — you might want to make your challenge longer than a month to have more impact. Try going 90 days or maybe even six months without indulging your vices. (And don’t pick up any other bad shopping habits in its place.)

Freeze Spending During Special Occasions

It’s easy to fall into overspending during special occasions. Try prohibiting spending around holidays, birthdays or other celebrations — like an anniversary.

Challenge yourself to celebrate in new ways or set new traditions. You could commit to a year of DIY presents. Or look through your belongings to find something you can regift. 

Volunteer with friends and family rather than exchanging presents. Or share a fun experience together that doesn’t cost any money — like having a movie marathon or singing karaoke at home.

Tips for a Successful No-Spend Challenge

They call it a challenge for a reason. Cutting off spending can be hard, especially when swiping your debit card everywhere you go has become second nature. 

Here’s some helpful advice to get you through your no-spend challenge.

  1. Become part of a community. Bonding with others on a no-spend journey can help you stay committed to your efforts — whether it’s a group of your friends who also want to save money or an online forum where like-minded strangers share their triumphs and failures. Joining The Penny Hoarder Community is a great place to get started.
  2. Find free activities. Just because you’re not spending money doesn’t mean you have to sit at home doing nothing, counting down the days until you can rejoin society. Exploring the great outdoors, engaging in a hobby, spending quality time with friends and family and attending free city-sponsored events are just a few suggestions.
  3. “Shop” at home. Take inventory of stuff you already have at home but have long ignored. You can probably make a couple meals out of the food in your pantry and freezer. Laying out all the shoes you own may help you realize you actually don’t need to buy another pair. You might even discover you have unopened makeup or clothes with the tags still on them.
  4. Swap, not shop. Exchange goods and services with neighbors, friends and family without money exchanging hands. Organize a clothing swap or exchange kids’ toys. Volunteer to babysit your neighbors’ kids in exchange for them cutting your lawn.
  5. Focus on your savings goal. Knowing the “why” behind your spending ban will help you power through the days when all you want to do is go out and buy a latte. Whether you’re saving for an upcoming vacation or to become debt free, keep your goal on the forefront of your mind to encourage yourself to keep saving.

Nicole Dow is a senior 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.

Trump SLAMS McConnell Challenger After She Makes SICK Remarks No American Wants To Hear


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Ron Blitzer from FOX News reports, Amy McGrath, the Marine aviator who simply announced her campaign against Sen. Mitch McConnell, R-Ky ., is getting razzed for an awkward moment at the end of a Tv interrogation Tuesday where she sought to explain a controversial proclamation likening President Trump’s 2016 succes to the 9/11 attacks.

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Ross Perot Leaves Behind A Legacy, But The Last Thing He Did Before He Passed Will Make Dems FUME


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Jim Hoft from The Gateway Pundit reports, On Tuesday American billionaire Ross Perot passed away at 89 after a battle with cancer. Perot was considered’ the spoiler’ in 1992 where reference is hopped into the presidential race as an independent running against republican George H.W. Bush and democrat Bill Clinton.

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Being Frugal with Food When You Don’t Have the Space to Cook

Jennifer writes in:

I live in a single room efficiency apartment. The entirety of things that I have available for cooking are a sink, a table, a microwave, and a mini fridge. I simply don’t have the space or capacity to do dishes or prepare meals or anything like that. I can’t even really eat convenience frozen meals because there isn’t room for more than one or two in my mini fridge. What can I do to keep food costs low? It feels like my only option is to eat out all the time.

This can be a real struggle. For a period of time when I was in college, I lived in a similar situation as Jennifer, with almost no tools with which to make food. I also had very little money at that time, so I had to be extremely careful with my food spending. In fact, I used to “splurge” with a hamburger at the Wendy’s near my apartment once a week, and I still remember going in there on early Friday afternoon, as my last class of the week was done at noon on Friday, and enjoying that burger.

Many of the strategies I used then make up this article, along with some other useful tactics I’ve picked up along the way. Here’s my best food advice for Jennifer, and for anyone who is in a situation where traditional cooking at home just does not work no matter the reason.

Remind Yourself Constantly That Eating Out Is Not the Only Option

When you’re in a situation where home food preparation is extremely limited or difficult, it can be easy to sway yourself into thinking that eating at a restaurant is your only option, and once you begin to establish that as a routine, it becomes even harder to break out of that mindset.

For me, the best way to alter this kind of thinking is to simply adopt a schedule in which you only eat at restaurants at certain times and have to figure out how to eat elsewhere at other times. For example, you might decide that you’re going to set a rule for yourself of only eating at a restaurant once a day or, if you’re really going to push things, once every other day. Don’t worry about the details of how you pull this off for now – we’ll get to that.

It really comes down to forcibly breaking routines that you may have established in your life and finding different ways to do things. When it’s not obviously easy how you can eat without just going to a restaurant, restaurant eating becomes the routine. You have to break that routine if you want to start eating with less expense, and the rest of the tips will help you do that.

Eat One or Two Meals a Day Instead of Three

Rather than eating three meals a day, instead aim to eat one or perhaps two meals a day with some occasional small snacks in between them. This isn’t unusual; it’s a pretty standard dietary pattern in many parts of the world.

There are several reasons why this will cut deeply into your food costs, with the biggest one being that it reduces your need to go to a restaurant to roughly once a day (or perhaps even less often, as we’ll see later in this article). If you’re only eating one big meal a day and snacking a bit throughout the rest of the day, you really only need to go to a restaurant for that big meal and the rest can be small items you carry around in your bag for snacking as needed throughout the day.

Using this strategy makes it much easier to downshift to eating at restaurants once per day for your primary meal, which you then supplement with a few snacks throughout the day.

Drink Water, and Lots of It

Water, water, water. It’s healthy, it helps with feeling satiated, it’s essentially free, and it’s easy to get almost anywhere.

Get into a habit of having an empty water bottle with you everywhere. Spend a little bit of money and buy a sturdy reusable water bottle with a tight-fitting cap. Fill it each day before you leave, drink it throughout the day, and fill it frequently as you’re out and about.

If you’re a person who is used to drinking caffeinated and/or sugary beverages, get into the routine of drinking water with every meal and drinking it throughout the day and as long as you don’t adopt a new routine of buying bottled water, you’ll save yourself a ton of money and likely wind up healthier in the long run.

Eat at Buffets

If you’re eating one meal a day, try to eat at a buffet restaurant if possible.

Buffets you to have a large and varied meal for a single fairly low price. You can eat until you’re satiated and have a wide variety of items to choose from. If you’re concerned about overeating, drink a lot of water with your meal. I usually drink a glass of water with every trip to the buffet if I go to one, and that definitely cuts down on the number of trips.

Also, most buffets offer a wide variety of all kinds of foods, allowing you to easily get in an appropriate number of servings of vegetables. Make your first plate simply consist of a large salad and a variety of vegetables to make sure you’re getting a well-balanced diet.

That being said, much of this depends on what buffet options are available in your area. In my area, there are a bunch of different buffet options – there are multiple pizza buffets (most of which have a salad bar and a general “buffet” bar, too), multiple Asian buffets, and a couple of other general buffets as well. All of them are pretty reasonably priced, too.

If Not At a Buffet, Order Large Portions and Use Takeout Containers

If you don’t want to eat at a buffet or don’t have one available to you, there are some things you can do at traditional restaurants to save money.

For starters, never order a beverage besides water. Beverages at restaurants are extremely overpriced. Just avoid them.

When you’re ordering your meal, order a huge entree with the intent of only eating a third or a half of it. The rest should be take with you in a takeout container. When you’re home, stow it in your fridge and stretch it to one or two additional meals.

The reason is that the price gap between a small entree and a large entree at most restaurants is actually pretty small, much less than the difference between a small entree and nothing. For example, at Noodles and Co. (a chain pasta restaurant), most of the “regular” servings are twice the size of the “small” servings (roughly) but cost only a small percentage more. Order the “regular,” eat half of it, and take the other half with you in a container.

Similarly, if you’re at a restaurant where they assemble food to order (like, say, Chipotle), look into tips for that specific restaurant on how to get the maximum value out of your order. For example, I’ve learned that with Chipotle, you get far more food in a burrito bowl than in an actual burrito, enough so that I can usually stretch a burrito bowl into an additional meal of leftovers.

This doesn’t mean that you should order add-ons like appetizers or extra salads or things like that. Those end up being more expensive than they’re worth. Stick to water and a huge entree and you’ll get maximum value from most restaurants.

Now, let’s turn to the food you can actually have and use and prepare in a small apartment without a stove.

Try Lots of Low-Cost Pantry Foods and Lean In on Ones You Like

When I lived in a one-room apartment for a while, I kept a lot of shelf-stable foods in a large plastic tub that served as my “pantry.” It included things that I could easily turn into simple meals with basically no kitchen equipment at all or, in some cases, things I could eat directly.

Things that were usually in that container included a loaf of bread, peanut butter, dried fruits (raisins, dried cranberries, and so on), a lot of dry cereals, fruit and protein bars, ramen noodles (don’t make this a regular thing, but it’s perfectly fine to boil some water in the microwave and have ramen on occasion), beef and turkey jerky (my parents used to make or acquire this and give me a lot of it), and cups of pudding and applesauce.

I didn’t have a whole lot of money at the time, so I would typically buy these things in significant quantity when I found them on sale. The only tools I needed for eating these things were a microwave-safe cup for heating water, a fork, a spoon, and a bowl, all of which were easily washed in the sink.

Another thing I highly recommend keeping in your “pantry box” is pre-made meals that are room temperature safe and able to be microwaved, like canned soups and many of the Trader Joe’s Indian Fare meals. You can find inexpensive and healthy options for these things and all they typically require is a microwave, a bowl, and a spoon or fork.

Eat Oranges, Bananas, and Apples

Oranges, apples, and bananas are perfect foods for the situation Jennifer finds herself in. You can just sit them right on the table in a bowl or even just out loose on the table and they’ll last for at least a week, often more. They can be eaten at room temperature whenever you like. They’re incredibly healthy. Most people like at least some of them. And they’re really cheap, too.

A lot of other fruits have a more … specialized taste or have a higher cost or don’t last as long on the tabletop. For example, I used to eat a lot of grapefruits because they could sit out on the table for a while, but not everyone is a big fan of grapefruits.

The point is that it’s pretty easy and pretty cheap to get fruits into your diet. Just buy some fruit that can last on the tabletop for days and eat them at your convenience.

(Plus, orange peel can make your apartment smell wonderful. Trust me.)

Eat Whole Rotisserie Chickens

One of the best bargains in food, in my opinion, is the whole rotisserie chicken, which many grocery stores sell. They’re whole chickens, already fully cooked and seasoned, at a really nice price.

Just buy a whole chicken, take it home, and take it apart as you eat it. It’ll most likely fit in a mini-fridge – if not, break it down further and put the pieces into smaller containers that will fit.

A single rotisserie chicken costs between $5 and $10 and can provide food for several meals for a single person. Not only that, you can use the meat in a lot of ways. For example, take a few spoonfuls of the rotisserie meat and throw it into a container of chicken ramen, or add it to some soup that you’ve made.

Learn to Make Simple “No Cook” Items That Don’t Require a Lot of Refrigerator Space or an Oven

There are a lot of very simple and tasty things you can make that don’t really require much more than a bowl, a cup, a microwave, and a fridge to make and only require room-temperature items. Learn how to make some of them.

One of my favorite things to make in this regard is “overnight oats.” Just put 1/2 cup rolled oats in a large cup, add an equal amount of liquid (preferably milk or almond milk), and then add a bit of sweetener of your choice, whether it’s a bit of honey or some pieces of dried fruit or whatever. Put this in the fridge overnight and you have a killer filling breakfast in the morning.

Another thing I used to make (and still do, on occasion) that really only requires a coffee cup, a microwave, and a fridge is the “coffee cup scramble.” Just spray the insides of a coffee cup with nonstick spray, crack two eggs in there, add just a little bit of milk and salt and pepper, beat it with a fork until it’s consistent, and then cook it in the microwave at 45 second intervals on high until it’s done. If you want, add a bit of shredded cheese on top. It costs about $0.50 and is easy to make with just what you have.

Learn to Make “Dump Meals” in a Crock Pot

This is my final tip, and it’s a big one. Even in Jennifer’s situation, there are still a bunch of meals that can easily be made in a crock pot, with leftovers easily stored in a mini-fridge for later meals throughout the week.

“Dump meals” are meals where you simply put a list of ingredients into a slow cooker in the morning, turn it on low, and leave it on all day. At the end of the day, you have a ready-to-eat meal with plenty of leftovers if you’re a single person. That’s it.

If you have a handful of containers for leftovers – Rubbermaid makes really nice and nearly infinitely reusable containers for individual meals, like these, for example – you can just serve up a meal from your slow cooker right onto a bowl or a plate, then put the rest into a few meal-sized containers and pop them straight in the fridge. Eat them as they’re convenient. Clean up the slow cooker in your sink – it’s pretty easy to do – and move on with life.

For example, you can really easily make a “dump” beef stew. Just spray the crock of the slow cooker with cooking spray, then put the following in there: 2 pounds of beef stew meat (you can buy this pre-chopped at the grocery store), 1 packet of beef stew seasoning mix (found in the spice aisle at the grocery store), 1 bag frozen mixed vegetables, 1 pound baby potatoes, 1/2 pound baby carrots, 2 tablespoons dried onion powder, and 1 32 ounce container of beef stock. Turn the slow cooker on low and stir it around a bit. Then go about your day. 8 to 12 hours later, add a quarter of a cup of flour to the stew and stir it thoroughly, then serve yourself a bowl and put the rest in meal-sized containers in your mini fridge. Depending on your appetite, you’ll have four or five meals from this stew.

Like that one? Here are 56 more dump dinners for the slow cooker. Almost all of them consist of just dumping in a list of ingredients in the morning, turning it on low, going about your day, and coming home to a hot meal and a bunch of leftovers, no oven or anything required and only one pot to clean up easily in your sink.

Final Thoughts

If you’re in a situation like Jennifer is, where you have limited options for preparing food, you really have two main goals. One is to minimize how often you actually go into a restaurant by figuring out what you actually can prepare with your limited tools and space. The other is to get maximum value out of every restaurant visit when you do go by eliminating drink costs, utilizing leftover boxes, and taking advantage of buffets.

All of the strategies listed above center around these two core elements. Minimize restaurant visits (while recognizing that you’ll likely still go fairly frequently) and maximize value from those visits. It all boils down to that.

The thing is, once you feel comfortable preparing food with such minimal equipment, when the time comes later in life when you have a full kitchen available to you, preparing food won’t really seem very intimidating. Plus, you won’t have established a routine where the only source of food in your life is a restaurant. It will be very easy to move to a state where you prepare almost everything at home because it really is cheaper and more convenient.

Now, if you’ll excuse me, I need to go put some rolled oats to soak in the fridge for breakfast in the morning.

Good luck!

The post Being Frugal with Food When You Don’t Have the Space to Cook appeared first on The Simple Dollar.

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Ready to Get Your Finances in Order? Read Our Guide to Adulting 101

Let’s talk about adulting.

We don’t mean getting your own cell phone plan after years of mooching off your parents. Or cooking your own dinner instead of ordering Uber Eats for the third time this week.

Those things count, no question. But they’re not gonna get you into the ranks of the truly mature among us. Or more to the point, they’re not gonna make you financially secure.

For that, you have to really commit. Sacrifice, even. 

But you can do it. You can do this adulting thing.

What Do Adults Do? For One, They Make Money

First thing’s first: Get a job. And not just a side gig that pays for gas and Taco Bell runs (hey, we don’t judge). A real job. 

How do you land a first job that’s in your field and excites you? Well, first off you’ll need a resume. This is your chance to show employers what you’ve done, what you know and what distinguishes you from everyone else in the applicant pool. Check out our guide to writing a resume that will get noticed. And don’t forget the cover letter. It’s a dying art. You can keep it alive by writing a polished cover letter that screams “hire me.” 

A final note on starting your career: If you have entrepreneurial ambitions, check out this expert advice on cultivating a side gig that you can turn into a legit money-making venture.

You’re Making Money. Yay! Now What?

Three dressed in adult looking business attire walk outside an office building.

Once you’ve got some money coming in, a key part of adulting is being responsible with it. Yep, we’re talking about budgeting. (Why is a high-pitched “BUT MOM?!!!” suddenly echoing through our brains?)

Anyway, yes, you need a budget. Put on your big-kid pants and deal with it. There are lots of ways to do it, and we’re sure you can make one of them work, whether you run your life by app, or prefer an old fashioned paper method.

If the idea of budgeting really does remind you of the chore list you had when you were 9, flip the concept and try expense tracking. A budget is a way to plan ahead for what you’ll spend on bills, savings, fun, etc.; with expense tracking, you record what you spend in real time to get a picture of your inflow and outflow. It’s very grown up.

Now for the mother of all adulthood downers: debt. If there’s a big line item in your budget for paying off debt, we got you. 

Student loans are a ginormous problem affecting millions of Americans. But you have to start somewhere so you’re not still paying them off in your golden years. We’ve got some tried and true tips on how to pay off student loans, like checking if you qualify for loan forgiveness and working out a repayment plan that doesn’t drown you.

Oh, is it not just student debt that’s keeping you down? Do you have credit card balances you don’t talk about at parties? There’s help for credit card debt, too.

Okay, you’re almost done with the basics of adulting. So close. 

Retirement. It may seem like a long way off, but that doesn’t mean you should put off saving for it. Seriously, start yesterday. The earlier you begin socking away funds in a retirement account, the more you’ll benefit from a beautiful thing called compound interest.

We’ve got all the goods on starting a 401(k), an IRA (or a Roth IRA), and some tips on obtaining the holy grail of financial planning: early retirement.

See? Adulting Doesn’t Hurt

You made it! Consider yourself a graduate of Basic Adulting (or at least a star student). You’ve gotten serious about getting a real job, decided on a budgeting method, made a plan for paying off debt and gotten the ball rolling on your retirement savings.

While you’re here, why not enroll in Advanced Adulting by testing the waters of… investing

Whoa, now. Isn’t investing for oil barrons and Wall Street tycoons? Well yes, but no. Investing is for everyone, even those of us without vast sums to put in the stock market, and it’s a super savvy way to grow your own net worth. That right there — your net worth — it sounds so adult.

Get started by learning the vocabulary of investing. You’ll feel so boss when you understand the difference between stocks and bonds that you might actually, possibly decide to invest some of your real American dollars in the market.

Just don’t stuff them in your mattress. That’s what the youth do.

Molly Moorhead is a senior editor 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.

How to secure a country. From Border Policing via Weather Forecast to Social Engineering

How to Secure a Country. From Border Policing via Weather Forecast to Social Engineering—A Visual Study of 21st-Century Statehood, edited by Salvatore Vitale and Lars Willumeit. With essays by Roland Bleiker, Philip Di Salvo, Jonas Hagmann, Salvatore Vitale and Lars Willumeit.

artificial intelligenceAmazon USA and UK.

Lars Müller Publishers writes: Switzerland is well-known as one of the safest countries on earth and as a prime example of efficiency and efficacy. One of the central reasons that such a country exists is the development of a culture based on protection, which is supported by the presence and production of national security. When in 2014 Swiss people voted in favor of a federal popular initiative “against massive immigration,” Salvatore Vitale, an immigrant living in Switzerland felt the need to research this phenomenon in order to comprehend where the motives for this constant need for security originate and how they became part of Swiss culture.

In How to Secure a Country Vitale explores this country’s national security measures by focusing on “matter-of-fact” types of instructions, protocols, bureaucracies, and clear-cut solutions which he visualizes in photographs, diagrams, and graphical illustrations. The result is a case study that can be used to explain the global context and the functioning of contemporary societies.

auto credit v1
Fake injured people during a military exercise while staging a terrorist attack happening in Switzerland, from the series ‘How to secure a country’ © Salvatore Vitale

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Entrance of a bunker in an apartment building. Until the 80’s it was mandatory to build bunkers in private and public spaces to be ready for a possible nuclear war, from the series ‘How to secure a country’ © Salvatore Vitale

Photographer Salvatore Vitale spent 4 years investigating the security apparatus that ensures that Switzerland remains “the safest country in the world”. Both for its own citizens and for the private banks, pharmaceutical films, multinational companies and cryptocurrencies that rely on its data bunkers to keep their secrets safe.

How to Secure a Country is not a manual. Neither is it a documentary work or a piece of agenda-based activism. It is a visual research project made of photos, essays by political scientists and data visualisation works. Together, these elements give a presence to social, political, technological and psychological mechanisms that are otherwise invisible or simply too complex and abstract to flesh out.

Vitale gained access to places that are otherwise closed to the public. The ways he details the procedures followed by the police, the military, migration authorities, weather services, research institutions for AI build up an atmosphere of protection inhabited by dilemmas and tensions: How much freedom do citizens accept to relinquish in exchange for security and protection? And how do you determine which threats should be prioritized? Is the overuse of natural resources more alarming than cyberterrorism? Declining birth rate more dangerous than energy shortage?

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A customised assault rifle transformed for sport purposes, from the series ‘How to secure a country’ © Salvatore Vitale

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Lake police agent going on a patrol during a rescue mission, from the series ‘How to secure a country’ © Salvatore Vitale

The book is compelling, both visually and conceptually. It is about Switzerland with all its idiosyncrasies (a Swiss army knife is not considered weapon by the law, the country has enough nuclear fallout shelters to accommodate its entire population) but its content also concerns inhabitants of other parts of the world where predictive policing-software extensive is trusted more than human common sense, where digitalisation is accompanied by cyberterrorism and security practices are increasingly subject to political agenda-setting and influence-seeking.

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Sign of a custom at the CH–IT border, from the series ‘How to secure a country’ © Salvatore Vitale

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Fingerprint registration during an immigration control at the Italian border for an Eritrean asylum seeker, from the series ‘How to secure a country’ © Salvatore Vitale

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A sign written in Eritrean language at the border saying: “Here we are in Switzerland”. Placing these signs is needed as the majority of migrants aren’t aware they are crossing a border entering another country and they don’t speak any other language than their mother tongue, from the series ‘How to secure a country’ © Salvatore Vitale

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A canine unit’s dog looking for drug during an operation in the Canton Zürich, from the series ‘How to secure a country’ © Salvatore Vitale

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Security cell in a custom at the border, seeker, from the series ‘How to secure a country’ © Salvatore Vitale

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Reproduction of the positions indicated in the official instruction manual of the Swiss assault rifle SIG SG 550, the most common rifle between army and civilians in Switzerland, from the series ‘How to secure a country’ © Salvatore Vitale

Spreads from the book:

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Salvatore Vitale

ALERT: GOP Mocks Do-Nothing Dems AGAIN In BRUTAL Smackdown Video


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Amanda Prestigiacomo from The Daily Wire reports, On Tuesday, the official Twitter account for the Republican National Committee released a merciless video targeting Congressional Democrats’ “civil war” between the old-fashioned Left and brand-new Left,

See the report now:
https://youtu.be/aod3vVFc-as

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Copyright Disclaimer: Citation of articles and generators in this report does not imply owned. Tasks and portraits presented here fall under Fair Use Section 107 and are used for commentary on globally significant newsworthy episodes. Under Part 107 of the Copyright Act 1976, payment is built for fair use for purposes such as criticism, statement, news reporting, schooling, fellowship, and research.

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Watch Sports For Less – The Best Streaming Sites For Sports Fans

Cable is getting more and more expensive, but the reason most people can’t cut the cord is sports. Until recently, many streaming sites didn’t offer sports channels. That’s changed. Here’s how to watch sports for less.Cable is getting more and more expensive, but the reason most people can’t cut the cord is sports. Until recently, many streaming sites didn’t offer sports channels. That’s changed. Here’s how to watch sports for less.

The post Watch Sports For Less – The Best Streaming Sites For Sports Fans appeared first on Money Under 30.

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Trump PRAISES Home Depot Co-Founder After Leftsist Spark Worthless Boycott of The Store


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Katherina Lam from FOX Business reports, President Trump Opens a New Window. praised Home Depot Opens a New Window. co-founder Bernie Marcus Opens a New Window. On Tuesday after some customers committed to boycott the residence increase bond after the billionaire said he would support the president’s 2020 re-election bid.

See review reports here:
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Truman’s Non-Toxic Household Cleaners Starter Kit for just $7.50 shipped!

This post may contain affiliate links. Read my disclosure policy here.

Interested in non-toxic household cleaning options? Check out this deal on Truman’s Household Cleaners!!

Truman's Starter Kit

Have you heard of Truman’s? It’s a relatively new subscription service that delivers non-toxic household cleaners to your doorstep!

Each Truman’s delivery includes four different cleaners for your kitchen, floors, bathroom, and glass surfaces. (And the kitchen spray is also an all-purpose cleaner!)

You receive the spray bottles and cleaners on your very first delivery and then cleaner refill cartridges on each subsequent delivery. Each delivery of cleaners should last you 6 months, but you can pause, skip, cancel, or change your subscription at any time.

And right now you can get 50% off your first subscription with code SUMMER at checkout. Here’s how:

  1. Head over to this page.
  2. Click on “Get Your Starter Kit.”
  3. Choose the $15 option. When you choose this option, you’ll be signed up for automatic subscriptions but you can pause, skip, or cancel your subscription at any time after your first order ships out.
  4. Click through to checkout.
  5. On the page where you enter all of your information, look on the right side of the page where it says “Have a discount code? Enter it here.” Use code SUMMER to get 50% off!
  6. You’ll pay just $7.50 and shipping is FREE.

If you love Truman’s cleaning products and want to continue with your subscription, you’ll be automatically charged at the regular price of $15 for your subsequent deliveries. (Note: The next delivery ships out after 45 days, so be sure to go in and change that since each delivery lasts for 6 months!) If you don’t want to continue after your first discounted starter kit, just go in and cancel before your next shipment. Super simple!

This seems really cool! Have any of you tried it yet? I’d love to hear in the comments!

Truman's Household Cleaners

Go here to get your Truman’s Starter Kit for $7.50! (Just use code SUMMER.)

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How To Use Checkbooks – And Are They Even Still Relevant?

Checks are no longer essentials, but they can be convenient. We’ve got helpful information to help you learn everything you will need to know concerning checkbooks.Checks are nolonger necessities, but they are sometimes convenient. We’ve got a guide to allow you to learn everything you will need to know about checkbooks.

The post The Way To Utilize Checkbooks – and so Why Are They Really Even Still Relevant? Appeared initially on Money Under 30.

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It’s Time to Cut Yourself Off: 4 Ways to Do a No-Spend Challenge

The less you spend, the more you save.

It sounds simple in theory, but in practice, it’s much more complicated.

Spending has become part of our natural routine. It’s built into our daily habits. We treat it as a pastime when we’re bored. We drop hundreds with a few taps on our phone. Even when we try our best to stick to a budget, we get sucked into buying stuff … leaving our savings to suffer.

A no-spend challenge can help you reset your spending habits and pad your savings. It’s kind of like a crash diet, but in a good way! 

Despite the name, a no-spend challenge doesn’t mean you sit on your hands and spend no money whatsoever. After all, you don’t want to fall behind on your bills, and there are some necessities you simply can’t do without. With a no-spend challenge, you cut out non-essential spending for a certain amount of time. 

So groceries, yes. Candy bar in the checkout line, no. Also, no new iPhone, even if you qualify for an upgrade. No new shoes, even if they’re on a huge sale. This is not the time to make excuses to buy stuff you don’t really need.

Use the money you normally would have spent to go toward your savings or debt repayment goals. 

While a no-spend challenge is meant to serve as a temporary personal finance boost, you can always extend the challenge or — extra points for this — treat it as more of a lifestyle change.

Ideally, your no-spend period will help you make long-lasting changes to your spending habits. Perhaps going without making vending machine purchases at work will help you realize you don’t need to buy those snacks on a regular basis. But be careful not to deprive yourself so much that you binge spend once your challenge ends.

4 Ways to Challenge Yourself to Stop Spending Money

There isn’t just one way to do a no-spend challenge. Gear your challenge to what works best for you. Here are four different ways to approach this money-saving strategy.

Ban Spending for a Set Amount of Time

This is probably what comes to mind when most people think of a no-spend challenge. This approach involves banning all spending (outside of essentials) usually for an entire month — though you could do it for less time or more to switch up the difficulty level. 

People who want to save money before the winter holidays — and those who love alliteration — will commit to a No Spend November, like The Penny Hoarder contributor Jamie Cattanach did a few years ago.

Track No-Spend Days

An easier way to incorporate a spending ban in your life is to establish a certain number of days per month when you won’t make any purchases. You can start small with 5 no-spend days or try something more challenging, like 15 days. 

Track your daily spending so you can take note of which days you don’t spend a thing.

The upside to this approach is that you don’t have to ban spending for a long stretch of time. Your no-spend days can be scattered throughout the month in a way that feels natural, so you hardly even realize you’re going without spending.

Target Your Weaknesses

You know your shopping weaknesses. Maybe it’s buying new clothes, ordering take-out too often or overspending on Amazon. This approach focuses your no-spend challenge on a particular type of item or retailer, rather than banning all discretionary spending.

Since you’re just focusing on one or two things — like no makeup or no video games — you might want to make your challenge longer than a month to have more impact. Try going 90 days or maybe even six months without indulging your vices. (And don’t pick up any other bad shopping habits in its place.)

Freeze Spending During Special Occasions

It’s easy to fall into overspending during special occasions. Try prohibiting spending around holidays, birthdays or other celebrations — like an anniversary.

Challenge yourself to celebrate in new ways or set new traditions. You could commit to a year of DIY presents. Or look through your belongings to find something you can regift. 

Volunteer with friends and family rather than exchanging presents. Or share a fun experience together that doesn’t cost any money — like having a movie marathon or singing karaoke at home.

Tips for a Successful No-Spend Challenge

They call it a challenge for a reason. Cutting off spending can be hard, especially when swiping your debit card everywhere you go has become second nature. 

Here’s some helpful advice to get you through your no-spend challenge.

  1. Become part of a community. Bonding with others on a no-spend journey can help you stay committed to your efforts — whether it’s a group of your friends who also want to save money or an online forum where like-minded strangers share their triumphs and failures. Joining The Penny Hoarder Community is a great place to get started.
  2. Find free activities. Just because you’re not spending money doesn’t mean you have to sit at home doing nothing, counting down the days until you can rejoin society. Exploring the great outdoors, engaging in a hobby, spending quality time with friends and family and attending free city-sponsored events are just a few suggestions.
  3. “Shop” at home. Take inventory of stuff you already have at home but have long ignored. You can probably make a couple meals out of the food in your pantry and freezer. Laying out all the shoes you own may help you realize you actually don’t need to buy another pair. You might even discover you have unopened makeup or clothes with the tags still on them.
  4. Swap, not shop. Exchange goods and services with neighbors, friends and family without money exchanging hands. Organize a clothing swap or exchange kids’ toys. Volunteer to babysit your neighbors’ kids in exchange for them cutting your lawn.
  5. Focus on your savings goal. Knowing the “why” behind your spending ban will help you power through the days when all you want to do is go out and buy a latte. Whether you’re saving for an upcoming vacation or to become debt free, keep your goal on the forefront of your mind to encourage yourself to keep saving.

Nicole Dow is a senior 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.

It’s Time to Cut Yourself Off: 4 Ways to Do a No-Spend Challenge

The less you spend, the more you save.

It sounds simple in theory, but in practice, it’s much more complicated.

Spending has become part of our natural routine. It’s built into our daily habits. We treat it as a pastime when we’re bored. We drop hundreds with a few taps on our phone. Even when we try our best to stick to a budget, we get sucked into buying stuff … leaving our savings to suffer.

A no-spend challenge can help you reset your spending habits and pad your savings. It’s kind of like a crash diet, but in a good way! 

Despite the name, a no-spend challenge doesn’t mean you sit on your hands and spend no money whatsoever. After all, you don’t want to fall behind on your bills, and there are some necessities you simply can’t do without. With a no-spend challenge, you cut out non-essential spending for a certain amount of time. 

So groceries, yes. Candy bar in the checkout line, no. Also, no new iPhone, even if you qualify for an upgrade. No new shoes, even if they’re on a huge sale. This is not the time to make excuses to buy stuff you don’t really need.

Use the money you normally would have spent to go toward your savings or debt repayment goals. 

While a no-spend challenge is meant to serve as a temporary personal finance boost, you can always extend the challenge or — extra points for this — treat it as more of a lifestyle change.

Ideally, your no-spend period will help you make long-lasting changes to your spending habits. Perhaps going without making vending machine purchases at work will help you realize you don’t need to buy those snacks on a regular basis. But be careful not to deprive yourself so much that you binge spend once your challenge ends.

4 Ways to Challenge Yourself to Stop Spending Money

There isn’t just one way to do a no-spend challenge. Gear your challenge to what works best for you. Here are four different ways to approach this money-saving strategy.

Ban Spending for a Set Amount of Time

This is probably what comes to mind when most people think of a no-spend challenge. This approach involves banning all spending (outside of essentials) usually for an entire month — though you could do it for less time or more to switch up the difficulty level. 

People who want to save money before the winter holidays — and those who love alliteration — will commit to a No Spend November, like The Penny Hoarder contributor Jamie Cattanach did a few years ago.

Track No-Spend Days

An easier way to incorporate a spending ban in your life is to establish a certain number of days per month when you won’t make any purchases. You can start small with 5 no-spend days or try something more challenging, like 15 days. 

Track your daily spending so you can take note of which days you don’t spend a thing.

The upside to this approach is that you don’t have to ban spending for a long stretch of time. Your no-spend days can be scattered throughout the month in a way that feels natural, so you hardly even realize you’re going without spending.

Target Your Weaknesses

You know your shopping weaknesses. Maybe it’s buying new clothes, ordering take-out too often or overspending on Amazon. This approach focuses your no-spend challenge on a particular type of item or retailer, rather than banning all discretionary spending.

Since you’re just focusing on one or two things — like no makeup or no video games — you might want to make your challenge longer than a month to have more impact. Try going 90 days or maybe even six months without indulging your vices. (And don’t pick up any other bad shopping habits in its place.)

Freeze Spending During Special Occasions

It’s easy to fall into overspending during special occasions. Try prohibiting spending around holidays, birthdays or other celebrations — like an anniversary.

Challenge yourself to celebrate in new ways or set new traditions. You could commit to a year of DIY presents. Or look through your belongings to find something you can regift. 

Volunteer with friends and family rather than exchanging presents. Or share a fun experience together that doesn’t cost any money — like having a movie marathon or singing karaoke at home.

Tips for a Successful No-Spend Challenge

They call it a challenge for a reason. Cutting off spending can be hard, especially when swiping your debit card everywhere you go has become second nature. 

Here’s some helpful advice to get you through your no-spend challenge.

  1. Become part of a community. Bonding with others on a no-spend journey can help you stay committed to your efforts — whether it’s a group of your friends who also want to save money or an online forum where like-minded strangers share their triumphs and failures. Joining The Penny Hoarder Community is a great place to get started.
  2. Find free activities. Just because you’re not spending money doesn’t mean you have to sit at home doing nothing, counting down the days until you can rejoin society. Exploring the great outdoors, engaging in a hobby, spending quality time with friends and family and attending free city-sponsored events are just a few suggestions.
  3. “Shop” at home. Take inventory of stuff you already have at home but have long ignored. You can probably make a couple meals out of the food in your pantry and freezer. Laying out all the shoes you own may help you realize you actually don’t need to buy another pair. You might even discover you have unopened makeup or clothes with the tags still on them.
  4. Swap, not shop. Exchange goods and services with neighbors, friends and family without money exchanging hands. Organize a clothing swap or exchange kids’ toys. Volunteer to babysit your neighbors’ kids in exchange for them cutting your lawn.
  5. Focus on your savings goal. Knowing the “why” behind your spending ban will help you power through the days when all you want to do is go out and buy a latte. Whether you’re saving for an upcoming vacation or to become debt free, keep your goal on the forefront of your mind to encourage yourself to keep saving.

Nicole Dow is a senior 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.

What every property investor must know about the power of compounding

Most of us have heard about the notions of deepen emergence, the snowballing impact caused by growth upon proliferation.

You know the kind of thing 😛 TAGEND

– If you could fold a piece of paper 42 ages it would reach the moon; or Property-Game

24 rabbits in Australia became 2 million in only a decade; or

– Put a particle of rice on the first square of a chess card, and two specks on the second square, four on the third…all of the rice in India wouldn’t be enough to cover you off for the final square; or

– Lily pads take ages to cover the first part of a pond, then the last part they cover really quickly…or something like that.

Yada yada.

These anecdotes have often been mildly interesting but not particularly useful in a practical sense.

What does all this mean for an investment portfolio?

It signifies experience is very much the friend of the efficient buy-and-hold investment 😛 TAGEND

What does all this mean for an investment portfolio

In this case $ 100,000 given at persons under the age of 25 at 10% per annum deepened is read to be worth a staggering $5.5 million by the retirement date- even without any additional monies invested.

It’s this simple theory which accepted tribe like Warren Buffett to become a billionaire so many times over.

Inconsistent rulers about deepening Wealth Retreat 2018 - Pete Wargent

There are a few things to note about compounding that don’t appear at first glance to make any logical sense.

One is that is where you build a portfolio which doubleds in price fairly consistently, the increase in value of the portfolio at each time totals more than all previous gains.

For example, in the pattern below where the portfolio doublings in price every seven years through recording additions of a shadow over 10% per annum, in the seven year period between year 35 and time 42 the portfolio gain of $3.2 m outdoes the benefit of all of the previous 35 times ($ 3.1 m ).

Year Portfolio 0 $100,000 7 $200,000 14 $400,000 21 $800,000 28 $1,600,000 35 $3,200,000 42 $6,400,000

Watching how the incomes can accelerate when left to grow unimpeded by capital gains taxes and transaction costs should draw investors to two logical judgments 😛 TAGEND

( 1) it’s best to start investing now; and

( 2) investing in resources which “youve never” have to sell can be very appealing.

Examples of such assets might have been 😛 TAGEND

-an index fund; or

-a Listed Investment Company( LIC) with a low-grade management overhead ratio which invests in more than 100 productive and dividend-paying industrial companies; or

-a well-located house in a capital city that has rapid and sustainable population growth.

It’s best to start early

I’m not sure there is much value in adding another numerical sample now, simply to note that often an investor who starts earlier achieves a far better end result than one who starts later.

Even if the late-starter gives more asset per annum, it extremely difficult to’ dally catch-up’ simply because of the accelerating strength of deepening growth.

As you can see, therefore, building prosperity is ultimately exclusively reliant upon three things: property mortgage finance money

( i) having some uppercase to invest ;P TAGEND

( ii) the ability to command satisfactory returns commonly; and

( iii) time to allow the portfolio to compound.

It’s this simple realisation that allows apparently ordinary tribe like Peter Thornhill to build massive multi-million dollar speculation portfolios.

Note that it’s not definitely certainly down to remarkable resource pick- shares in a handful of huge companies and a few low-cost industrial LICs might easily do the trick.

It’s much more about patience, hour and understanding how opulence is created through compounding returns.

Five practical tips

OK, so some practical plans 😛 TAGEND

( i) Starting small is OK

If there is one thing that the above abstractions tell us is that’s it is better to invest something rather than nothing.

Investing small amounts regularly wields over era because of the compounding effect.

However, if you are going to start small-scale do be aware of the impact of transaction payments, such as brokerage or store handling rewards, and invest efficiently wherever possible.

( ii) Forced saving is good lose saving

Have you ever heard anyone say:” Fund in my pocket or in my bank account just seems to disappear ?”.

I have!

In fact, I’ve probably even said it myself at one time or another.

It’s a axiom of personal commerce that simply are trying to pile fund up in a bank account doesn’t often part very effectively over the long term.

Partly this is because you must pay tax on the interest and price inflation eats away at the value of the balance.

Moreover, it’s also because sooner or later that balance of fund tends to come spent.

How can you set up a means of obliged saving?

A standing order or a direct debit into a specified investment account?

( iii) You don’t miss what you’ve never had

You don’t miss what you’ve never had- another axiom, and one which suggests to me that the more automated your method is for investing( e.g. standing order from your pay cheque) the greater the likelihood of your success.

This also leads to the logical conclusion that it can be a great theory to…

( iv) Reinvest gains

Sometimes you might hear the bean-counters, of which I am one myself, say that you shouldn’t reinvest dividends because this can lead to an accounting headache when fund advantages taxes descend due some time down the track.calculator coin money save debt

I’ve heard similar arguings in favour of not employing a line of credit against your residence to reinvest in further investments because the accounting enterings can ” get a bit tricky “.

In fact, from a quality investor’s perspective there actually are some sound logical arguments in the interests of not reinvesting dividends at particular pitches in the share market cycles/second, peculiarly when share sell indicators and PE rates are significantly over-valued.

However, believe it or not, participating a sleepy professional who can’t be bothered to run a simple spreadsheet to keep track of a few accounting enterings is not a solid disagreement against reinvestment.

As a general rule, reinvestment during the growth phase of your investment portfolio can be an efficient way to grow and compound your wealth.

Just as importantly, reinvestment of your incomes sees squander of the underlying principles of all of the first three tip-off listed above: small amounts make a big difference, reinvestment is another form of pressured saving and you don’t miss what you’ve never had.

( v) Most parties only aren’t very good at saving

Unfortunate, but true. Most of us begrudgingly pay our electricity bills more or less when they fall due, but similarly, most people simply aren’t very good at saving dollars every month…at least , not over the long term.

Many of us might be able to build up a decent equilibrium over the course of a financial year through spend less than we give, but it’s also deceptively easy to expend the remaining balance on a gondola or a holiday when that time of year wheels around again.

This is really precisely another point in favour of setting up an automated investment strategy.

Very world

In the real world, the cornerstone of personal finances for most people in countries like Australia or Great Britain, where home ownership rates are high, is the family home or place of residence.

In other words, the majority of beings are in one of these categories: Property-Investment-Checklist-300x199

( a) living mortgage-free in a home ;P TAGEND

( b) compensating down the mortgage on a home; or

( c) saving a deposit for a home.

The practical gratuities detailed above suggest that regardless of which list “youre in”, having a pushed saving or asset strategy is a sound idea.

( a) mortgage free

If you are in the fortunate position of being in category( a ), it might be useful to continue representing fees as though you still do have a mortgage into a separately allocated investment account.

After all, you have already proven that you can spare that amount per month!

You might also consider using some of the equity in your dwelling to acquire to invest in a sensible manner.

Using gearing to invest is a powerful means of accelerating returns, but should only ever be done moderately and sensibly, and patently individual circumstances and risk appetites differ so consult a fiscal advisor where appropriate.property purchase money

( b) paying off a mortgage

Think back again to the practical parts listed above.

Can you accelerate refunds on your mortgage indebtednes? Can you make repayments fortnightly instead of monthly?

Mortgage debt does not get discussed so favourably for tax purposes in Australia or the UK, so down the mortgage more quickly is a strategy that works well for many.

( c) not a homeowner

If you live in a big capital city, it’s likely that we’ll realize more parties over time in this category, which translates into a decision to be made as to whether you even is striving for home ownership at all in the first instance.

Although admittedly my spouse and I “re living in” some of our owneds over its first year, generally I’ve been a renter because I realised I could accelerate my returns much faster by charter a smaller property and hammering the investments while I was younger. Wealth Retreat 2018 - General

This strategy can definitely work miracles if you are able to adhere to the principles of obliged saving and reinvesting gains.

However, you should caution against listening too much to those advising you to sit back casually and wait for an inevitable dimension correction.

In cities like London and Sydney, that has generally over epoch turned out to be poor advice.

It’s far better to be proactive rather than reactive, whether your goal is home ownership or not.

There’s no one length accommodates all when it comes to personal commerce, but certainly if you’re not planning to be a homeowner, you’d want to avoid spending the rest of your income, so implementing an automated saving and speculation policy is likely to be a great idea.

Read more: propertyupdate.com.au

15 Ways for Android Users to Bank Extra Cash This Week

Do you have an Android phone? Do you scoff at iPhones?

Well, good for you! Android phones are easier to customize, have expandable storage and generally cost less than iPhones.

You can make money on an Android phone, too. You won’t get rich this way, but if you’re just vegging out on the couch, why not click a few buttons and earn a few bucks?

Here’s our list of the 15 best money-making Android apps:

  1. 1. Lucktastic: Free Digital Lottery Tickets

    A screenshot of the Lucktastic gaming site.

    There’s something so satisfying about those gas station scratch-off tickets, and now you can get them for free with an app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets. Instant wins range from $1 to $10,000. You can also earn tokens, enter contests and play games.

    App Store Rating: 4.2/5

    Price: Free to download — and play

  2. 2. InboxDollars: Get Paid to Share Your Opinion

    A screenshot of the InboxDollars gaming app.

    There are a bunch of paid survey sites out there, but one of the best we’ve found is InboxDollars. It offers several short, daily surveys, and you’ll get a $5 bonus for signing up.
    One of our readers, Sarah Houston, a college student from Virginia, earned more than $600 with the app over three years. We love those success stories!

    App Store Rating: 4.2/5

    Price: Free

  3. 3. Ibotta: Get Paid for Pictures of Your Receipts

    A screenshot of the Ibotta app.

    Before heading to the grocery store, search for items on your shopping list within Ibotta.
    Then shop. When you get home, snap a photo of your receipt and scan the items’ barcodes to get paid. Just shop for the staples on your list, and earn money!

    App Store Rating: 4.5/5

    Price: Free.

  4. 4. Acorns: Invest Your Digital Change

    A screenshot of the Acorns app.

    If you’re like most of us and wish your money would just take care of itself, start an investment account through Acorns. You can start small and stack up change over time with its “round-up” feature. That means if you spend $10.23 at the grocery store, 77 cents gets dropped into your Acorns account, where the app invests it for you.

    App Store Rating: 4.4/5

    Price: $1 per month for balances under $1 million, and you’ll get a $5 bonus when you sign up.

  5. 5. Paribus: Find Hidden Money in Your Inbox

    A screenshot of the Paribus homepage.

    It turns out deleting your emails could be costing you money. Intrigued? One of our secret weapons is called Paribus — a tool that gets you money back for your online purchases. It’s free to sign up, and once you do, it will scan your email for any receipts. If it discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund when there’s a price drop.

    App Store Rating: 4.1/5

    Price: Free

  6. 6. Nielsen: Get Paid to Share What’s in Your Fridge

    A screenshot of the Nielsen Consumer Panel download page.

    The Nielsen company wants to know what’s in your fridge. Once you sign up to be on the Nielsen Consumer Panel, every time you go shopping, use your smartphone to scan the UPC codes on the back of each product and send your data to Nielsen. It’ll reward you with gift points you can redeem for free electronics, jewelry, household items or toys.

    App Store Rating: 3.8/5

    Price: Free

  7. 7. Letgo: Cash in on Your Old Stuff

    A screenshot of the Letgo app download page.

    Are your closets and shelves packed to the brim with stuff you never use — or even look at? You can sell virtually anything on Letgo. This intuitive app lets you snap a photo and upload your item in less than 30 seconds. It removes a lot of the hassle of selling things online, and it’s 100% free to use.

    App Store Rating: 4.5/5

    Price: Free

  8. 8. Job Spotter: Snap Photos of ‘Help Wanted’ Signs

    A screenshot of the Job Spotter download page.

    If you walk around your town, Indeed’s Job Spotter app could be a great way to make some extra money. When you spot a “help wanted” sign, take and upload a photo to the app to earn points. You can earn up to 150 points per submission. Then exchange these points for Amazon gift cards.

    Pro Tip

    You’ll earn even more points if the sign is for a small business and mentions a specific job title, if the business accepts in-person applications and if the photo is in focus.

    App Store Rating: 4.3/5

    Price: Free

  9. 9. Foap: Make Money from Your Photos

    A screenshot of the Foap app download page.

    If you love taking pictures, you can turn your smartphone photos into cash with Foap. Foap connects brands in need of original stock photos with amateur photographers. Just upload your photos, companies can purchase your photos and you’ll split the profits with Foap. A single photo can sell hundreds of times, so it can be an excellent source of passive income. 

    App Store Rating: 3.8/5

    Price: Free

  10. 10. Shopkick: Get Rewarded for Shopping

    A screenshot of the Shopkick gaming app download page.

    Shopkick is an app that rewards you for shopping in-store and online. Often, you don’t even have to make a purchase to earn money. You can get credits just for walking into the store and scanning products. Shopkick doesn’t offer cash, but does pay via gift cards to retailers like Amazon. 

    App Store Rating: 4.3/5

    Price: Free

  11.  11. Slidejoy or S’more: Ads on Your Phone

    A screenshot of the S'more app download page.

    Slidejoy and S’more are competing rewards apps. They both allow you to earn points in exchange for allowing ads to appear on your phone’s home screen. Just use your phone normally and get paid. Every day, you earn points that can be redeemed for gift cards from retailers including Amazon, Target, Walmart, Starbucks and more. 

    App Store Rating: 4.3/5 and 3.9/5

    Price: Free

  12. 12. Dosh: Earn Cash Back

    A screenshot of the Dosh app download page.

    Dosh is a cash-back app that requires no effort on your part. Just link your credit card to the app, and you’ll receive up to 10% cash back whenever you shop in-store or online. You can transfer your cash to your bank account, get paid via PayPal or even donate to charity. If you refer friends, you can get $5 for every person who signs up and links a credit card. 

    App Store Rating: 4.6/5

    Price: Free

  13.  13. Mobee: Be a Mystery Shopper

    A screenshot of the Mobee app download page.

    Have you ever tried mystery shopping? The Mobee app will pay you to go undercover in your local stores and rate the level of customer service and cleanliness, among other things. Search for a mission that’s near you or that interests you. It only takes a few minutes to answer the questions the app will ask you.

    App Store Rating: 3.0/5

    Price: Free

  14. 14. Rover: Earn up to $112/Week Hanging out With Dogs

    Shopkick app download page.

    If you’re looking for a flexible, independent way to earn money — and you love hanging out with dogs — Rover might be your perfect gig. The online network connects dog walkers and sitters to local dog owners, so you don’t have to staple flyers on every utility pole across town. Rover says sitters can earn an average of $450 a month. You must be 18 years or older and pass a background check.

    You can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. (Boarding is the app’s most popular service.) Dog owners will reach out to you.

    App Store Rating: 4.1/5

    Price: Free

  15. 15. Swagbucks: Earn up to $90/Month Watching Videos

    Swagbucks app download page.

    Yup, Swagbucks pays you to watch videos. You won’t earn a lot (up to 150 rewards points per day), but the videos are in all sorts of categories — entertainment, home, travel — so you’re likely to find something that appeals to you. Or, try this trick: Just turn off the sound on your computer, open a new tab and keep the videos going in the background while you work.

    App Store Rating: 3.9/5

    Price: Free

    Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He has owned both Android and Apple phones.

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.

Allstate Renters Insurance Review

Allstate was founded in 1931 during the depths of the Great Depression. During that time, visionary leader Robert Wood, a World War I general who was also the president of Sears, knew the country had a growing need for quality insurance products and sought to fill that need through his new venture.

These days, Allstate is a popular American brand that offers auto insurance, life insurance, and homeowners insurance policies. Not only are they known for offering low prices on a variety of products, they are known for the many customer discounts they offer as well as their famous slogan, “You’re in good hands.”

While home and auto insurance are two of the most common types of coverage families need to purchase, Allstate also offers renters insurance. This type of insurance aims to cover an individual’s personal belongings, furniture and valuables — but not the building they live in.

If you’re on the hunt for renters insurance and think Allstate may offer what you need, keep reading to learn more.

Allstate Renters Insurance: Key Takeaways

  • Apply for a free, no-obligation quote online and without speaking to an agent.
  • Get coverage for your personal property, personal liability, living expenses, medical expenses and more.
  • Choose from add-on coverage that can help protection your valuables.
  • Qualify for discounts that can make renters insurance coverage even cheaper.

Find the Best Renter Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Allstate Renters Insurance Review

Like other insurance companies that offer renters insurance, Allstate offers a certain level of base coverage with the option for customers to pay more for add-ons. Most basic policies include a range of coverages that can help protect your personal property like furniture, electronics and luxury items while protecting you against some of life’s “what ifs.”

Coverages offered in Allstate renters insurance policies include:

  • Personal property coverage: Personal property coverage is at the core of renters insurance since it can repair or replace your belongings if they are stolen or destroyed. Items covered by basic personal property coverage can be clothing, electronics, family heirlooms, furniture and more.
  • Living expenses: This coverage can reimburse you if you need to move because your rental becomes uninhabitable due to fire, vandalism or other factors beyond your control.
  • Personal liability: This coverage can pay for legal expenses, medical bills and additional damages incurred if someone is injured on a property you rent and they sue you as a result.
  • Guest medical: Guest medical coverage will kick in to pay for medical expenses when someone is injured on your property.

In addition to basic levels of coverage, Allstate lets you select special add-ons that can protect you and your personal belongings even more. Optional coverage includes identity restoration coverage that can help protect you from the financial consequences of identity theft. You can also pay more to cover high-priced belongings you want to protect such as expensive jewelry, audio equipment or camera equipment, or irreplaceable family heirlooms.

Flood insurance is also available (and suggested) to renters who are living in an area prone to flooding and the subsequent water damage. Finally, a personal umbrella policy can provide another layer of coverage that can kick in when all your other insurance is exhausted.

How to Get a Renters Insurance Quote from Allstate

One big benefit of getting a quote from Allstate is the fact you can complete the entire process online — and without speaking to an agent. All that’s required for a free, no-obligation quote is heading to the Allstate website and filling out some basic information.

As you prepare to get a free quote, you should plan to submit the following details:

  • Name.
  • Birthdate.
  • Address.
  • Marital status.
  • Email address.
  • Phone number.
  • Property details.
  • Claims history.
  • Preferred coverage options.

Once you’re done with the application process, you’ll get a basic quote for renters insurance. From there, you’ll have the option to tailor your policy to meet your specific needs by adding on additional coverage, tweaking coverage levels or applying special discounts. You always have the option to speak with an Allstate agent if you want to, but you don’t have to.

Allstate Renters Insurance Discounts

Allstate offers several different discounts you can access if you are an existing customer, you own specific theft-prevention devices, or you meet other requirements. Here are the main Allstate renters insurance discounts you should know about:

  • Multi-policy discount: Save on renters insurance when you bundle your policy with auto insurance coverage.
  • Safe home discount: Qualify for a special discount if your home has certain safety features like a security system or fire alarms.
  • Claims-free discount: Qualify for more discounts for remaining claims-free.
  • Auto-pay discounts: Get a discount for setting up automatic payments or for paying your premiums upfront instead of month by month.
  • Retiree discount: You can save up to 25% off renters insurance premiums if you’re over the age of 55 and retired.

How We Rate Allstate Renters Insurance

At The Simple Dollar, we aim to provide a general overview of each insurer’s products and services through a standard rating process. With that in mind, we considered policy offerings and overall customer satisfaction using J.D. Power’s 2018 U.S. Renters Insurance Study. We also measured financial solvency based on reports from A.M. Best., S&P, and Moody’s.

After a thorough research and discovery period, here’s how Allstate renters insurance policies stack up:

  • Claims satisfaction: 2 out of 5
  • Coverage options: 3 out of 5
  • Financial solvency: 5 out of 5
  • Customer satisfaction: 4 out of 5
  • Overall rating: 3.5 out of 5

The Bottom Line

If you’re shopping for renters insurance, it’s smart to give Allstate another look. Not only do they offer renters insurance policies that provide a certain level of base coverage, you can pay for add-ons to protect the valuables you cherish the most.

Like all renters insurance policies, Allstate renters insurance may also be less expensive than you think. Get a free quote today and take the time to check out rates and coverage options from at least three other companies.

Find the Best Renter Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Related:

The post Allstate Renters Insurance Review appeared first on The Simple Dollar.

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ALERT: CRAZY NANCY LOSES IT, Warns Illegal Aliens NOT TO OPEN Their Doors For ICE Agents


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Cristina Laila from The Gateway Pundit reports, House Speaker Nancy Pelosi and Rep. Alexandria Ocasio-Cortez( D-NY) chimed the alarm Thursday and tip-off off illegal immigrants to Sunday’s impending deportation raids.

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Copyright Disclaimer: Citation of articles and authors in this report does not imply ownership. Undertakings and epitomes presented here fall under Fair Use Section 107 and are used for commentary on globally significant sensational happenings. Under Region 107 of the Copyright Act 1976, part is constructed for fair use for purposes such as criticism, remark, news reporting, schooling, grant, and research.

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Read more: youtube.com

How to Get the Best Deals on Amazon Prime Day

This post may contain affiliate links. Read my disclosure policy here.

Want to know how to get the best deals on Amazon Prime Day? In this post, I share my best tips for saving money and scoring great deals on Amazon Prime Day!

Amazon

(Did you read the story of the woman who pranked her husband for April Fool’s Day by saving Amazon boxes for six months from their family and relatives and then set them all out on April Fool’s Day!)

How to Get the Best Deals on Amazon Prime Day

Amazon Prime Day is coming on July 15-16, 2019. And this year, it looks like it’s going to be better than ever!

Not only is Amazon promising to offer amazing deals (last year, the Prime Day deals were on par with Black Friday week!), but a number of other companies are also jumping on the bandwagon and trying to be competitive with the deals Amazon is offering.

Guess what that means for us? More deals and more savings!

I predict that on July 15-16, 2019 we’ll see a flurry of deals similar to what we usually see on Black Friday week. Because of this, I want to help you prepare accordingly so you can save the most money.

Amazon Prime

5 Ways to Prepare for Amazon Prime Day

To help you prepare well to maximize your savings for Amazon Prime Day Deals, here are 5 strategies I suggest:

1. Sign up for a free 30-day trial to Amazon Prime.

Not an Amazon Prime member? No worries, now is the perfect time to sign up for a FREE 30-day trial.

This way, you’ll get all of the benefits of Prime and be able to take advantage of the deals, but you want have to pay for a Prime subscription. At the end of the 30 days, just be sure to go into your account and cancel your subscription and you won’t be charged!

2. Subscribe to my Hot Deals email newsletter.

Did you see that I just launched a brand-new Hot Deals Email Newsletter? When you sign up, I’ll send you no more than 1-2 emails each day featuring the hottest and best deals hand-picked by me as soon as they become available.

This way, you won’t have to wait for the daily enewsletter to go out in the afternoon; you can jump on the hottest deals right away!

I’ll be sending out two email newsletters both days on Monday and Tuesday featuring only the BEST deals that are my top picks.

Sign up for this newsletter here.

3. Follow me on Instagram

If you’re not already following me on Instagram, I would LOVE for you to head over here and hit the follow button.

One of my favorite things is getting to personally share deals I find and am excited about on IG stories (plus, I share lots of other behind-the-scenes stuff and my grocery shopping hauls!

On Amazon Prime Day, I’ll be hopping onto IG stories multiple times throughout the day telling you about the best deals that I am most excited about!

and Facebook Group

4. Follow our Facebook Page & Facebook Group

My team will be posting all the deals all day long on our Facebook Page and Facebook Group. Plus, I’ll be popping on throughout the day to do live videos covering some of my favorite deals.

Psst! We’ll be posting all of the Prime Day Deals at this link right here all day Monday and Tuesday.

5. Make a List & a Budget

If you haven’t done so already, be sure to make a list of the items you are most interested in buying, as well as the budget you have to spend. This way, you don’t just jump on a good deal because it’s “such a good deal”, when it’s not something you need or can afford.

Want to stretch your dollars even further? Now is the time to cash out your free Amazon gift cards or spend some time this weekend earning some extra Amazon gift cards.

(Tip: A super easy way to earn a $5 Amazon Gift Card is by signing up for Shopkick and then scanning one item listed in their app if you’re out shopping this weekend.)

What specific deals are you looking for on Prime Day? Leave a comment and tell us!

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Malware: What if we looked at computer viruses as works of design?

Het Nieuwe Instituut, a museum in Rotterdam dedicated to architecture, design and digital culture, has recently opened an exhibition that challenges visitors to look at the inventive and creative side of cybercrime. What if malware were not just damaging pieces of software but also anonymous works of design?

AI algorithms
CryptoLocker. Malware, exhibition view at Het Nieuwe Instituut. Photo: Ewout Huibers

Amjad Farooq Alvi
Malware, exhibition view at Het Nieuwe Instituut. Photo: Astin le Clercq

Curated by designer Bas van de Poel together with architect, researcher and curator Marina Otero Verzier, Malware: Symptoms of Viral Infection charts the eventful history of computer viruses. Harmful software started infecting our devices over 30 years ago. They started as experimental pranks and underground activism but they soon became nifty works of social engineering that incorporated the human in the scripting language, exploiting our weaknesses and making us behave as they wished. Nowadays, their playground is politics and warfare. Malware have grown to become painfully sophisticated spying tools and geopolitical weapon developed by governments.

Author
Malware, exhibition view at Het Nieuwe Instituut. Photo: Ewout Huibers

Malware – exhibition about the history and evolution of the computer virus. A video by Marit Geluk

As the exhibition demonstrates, the future of malware is bright. But not for us. We might feel that we, as individuals, are less exposed to virus misdeeds than in the early days but we should not underestimate the Damocles Sword hanging over our head. A depressingly high number of serious ransomware, data breaches, state-backed hacking cam­paigns and other cybersecurity incidents have already marked 2019 and reminded us that technology has always grown in close connection with conflicts. And as we increasingly rely on AI algorithms, on the comfort of the so-called “smart” cities and on connected medical devices implanted inside our bodies, malware will come back to haunt us personally, invading our private spaces and potentially manipulating our behaviours and emotions.

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Kenzero, 2010. Artistic interpretations by Tomorrow Bureau and Bas van de Poel

In her presentation during the opening night, Svitlana Matviyenko, a media scholar and the co-author of Cyberwar and Revolution, highlighted the cultural and strategic importance of malware. She made the bold but pertinent suggestion that internet might seem to have become unfriendly, almost impossible to use, to the point that some have claimed that the internet is “broken”. Maybe, she continued, the internet isn’t broken, maybe it has come to its true realization as a malicious environment. It’s finally reached its perfect stage and we’re not the receiver of the message anymore, we’ve become a relay in the war.

Ewout Huibers Regin
Malware, exhibition view at Het Nieuwe Instituut. Photo: Ewout Huibers

I learnt a lot while visiting Malware. Through its brief but dense history of malicious software, the exhibition not only inform visitors about the many challenges related to security, warfare and geopolitics in times of rapid technological advance, it also invites designers and other creative minds to reflect on the role they can play to counter theses forms of innovative but malignant digital practices.

Most of the malware cases highlighted in Rotterdam are illustrated by an artistic interpretation designed by Bas Van de Poel and Bureau Tomorrow. They used screenshot of the viruses, news footage, images of the type of facilities infiltrated and other visual clues to help visitors understand the power and creativity behind malicious software. Here’s a small selections of the viruses exhibited:

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DOS Virus BRAIN, part of the Malware exhibition at Het Nieuwe Instituut

Brain: Searching for the first PC virus in Pakistan. Mikko Hypponen traveled to Lahore to find the authors of BRAIN

Also known as “Pakistani flu”, Brain was created in 1986 by Basit and Amjad Farooq Alvi, two brothers based in Lahore. Considered the first computer virus for Microsoft disk operating system, the code was designed to protect their medical software from piracy. Brain corrupted IBM PCs by replacing the boot sector of a floppy disk. The virus was accompanied by the brothers’ address, phone numbers and a message informing the user that their machine was infected and to call them for inoculation.

The brothers intention was not malicious so they were surprised to receive phone calls from people in the UK, the United States and elsewhere, demanding that they disinfect their machines. Their telecommunications company Brain still exists at the same address. They had to change their phone numbers though.

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Artistic interpretation of the Anna Kournikova virus by Tomorrow Bureau and Bas van de Poel

The Anna Kournikova computer worm hit computers on 11 February 2001, when some people received a short e-mail that tricked them into opening a file allegedly containing a picture of the Russian tennis player. Millions of them spread the virus in a short time. The designer of the malware, 20-year old Jan de Wit, was caught and sentenced to 150 hours of community service. The mayor of De Wit’s hometown, Sneek, offered him a position at the local IT department, mirroring the case of several hackers who, once caught, were offered lower sentences and even a job if they accepted to collaborate with the FBI.

What makes this virus (maybe we would even call it “clickbait” these days) particularly interesting is that the short statement De Wit posted on a website: “I never intended to harm the people who opened the attachment. But in the end it’s their own fault that they got infected.”

In his talk during the opening night, Jussi Parikka, a new media theorist and the author of Digital Contagions: A Media Archaeology of Computer Viruses, echoed that statement when he suggested that a computer user nowadays who doesn’t know how things work becomes part of the problem.

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Coffeeshop DOS computer virus, part of the Malware exhibition at Het Nieuwe Instituut

Coffeeshop would have failed into oblivion were it not for the fact that it demonstrated in the early 1990s that computers could be used to make a political statement. One of the earliest manifestations of hacktivism, this DOS virus spread through floppy disks and inserted the text string “CoffeeShop” into infected files, prompting the message “Legalize cannabis” and an 8-bit marijuana leaf to appear on computer screens.

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Stuxnet, artistic interpretation. Image by Tomorrow Bureau and Bas van de Poel

Stuxnet, artistic interpretation by Tomorrow Bureau and Bas van de Poel

Stuxnet was a malicious worm that changed global military strategy in the 21st century. Delivered via a USB drive, it was designed to disrupt programming instructions that control assembly lines and industrial plants. Regarded as the first weapon made entirely from code, Stuxnet has been linked to a policy of covert warfare against Iran’s nuclear armament that might have been led by the U.S. and Israel.

Stuxnet paved the way for digital viruses that have a direct impact on the physical world. On nuclear power stations and soon on self-driving cars and every single component of the Internet of Things.

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Malware, exhibition view at Het Nieuwe Instituut. Photo: Ewout Huibers

Regin (also known as Prax or QWERTY) was a sophisticated malware and hacking toolkit. According to Die Welt, security experts at Microsoft gave it the name “Regin” in 2011, after the smart and crafty character in Norse mythology.

Designed as a weapon for mass surveillance, Regin captured screenshots, stole passwords, recovered deleted files and intercepted traffic without being easily detected. The data collection had been deployed for targeted operations against government organisations, business, infrastructures, financial institutions and individuals. Its impact and complexity raised suspicions that it was used by NSA and its British counterpart, the GCHQ. The Trojan was reportedly found on the network of telecom provider Belgacom and on a USB flash drive used by a staff member of Chancellor Angela Merkel in December 2014.

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Artistic interpretation of Ransomware Pollocrypt. Image: Tomorrow Bureau and Bas van de Poel

In 2015, PolloCrypt silently encrypted all the data on infected hard drives, then demanded that their owner pay a “ransom” of several hundred dollars in Bitcoin to a group of hackers. In case of refusal to pay, the files remained encrypted and the users had no access to them. This ransomware used the logo from Los Pollos Hermanos, the chicken restaurant from the Breaking Bad tv show. The most stressful aspect of PolloCrypt was that it suggested that the money had to be paid as quickly as possible, because the price increased as time went on.

More images from the show:

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NotPetya, artistic interpretation. Image by Tomorrow Bureau and Bas van de Poel

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Malware, exhibition view at Het Nieuwe Instituut. Photo: Ewout Huibers

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DOS Virus AIDS, part of the Malware exhibition at Het Nieuwe Instituut

Malware is the first episode of a trilogy that will explore phenomena that are barely visible but have an impact on our personal space (the next one sounds very promising: it will be about ghosts and real estate!)

Malware, curated by Bas van de Poel and Marina Otero Verzier, remains open until 10 November 2019 at Het Nieuwe Instituut in Rotterdam.

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