• Categories

  • Archives

  • Subscribe for FREE!




    * = required field
The Frugal Diva on Facebook


Other Stuff

Deal News For April

Posted by The Frugal Diva on 8th April 2015

With that highly anticipated tax return already on its way, April showers bring the best deals to savvy shoppers who know where to find them, so don’t get fooled!

To help save you money, here are the DealNews archives for sales, coupons, daily deals, and individual products to guide you in your quest to make the smartest purchases this month.

From Apple Watches to avocados, here are the Best and Worst Things to Buy in April: http://dealnews.com/features/what-to-buy-in-april/

They can also give you tips for  10 Ways to Spend Your Tax Refund.

Happy shopping!

About DealNews:

DealNews is a deal-discovery website that lists the best online deals on consumer electronics, gadgets, computers, clothing, and more. DealNews’ mission is to inform consumers of the best online bargains offered by trustworthy stores. The Company relies on a team of expert editors and proprietary research tools to uncover 200+ of the web’s hottest deals, discounts, sales, and bargains every day. Founded in 1997, DealNews is headquartered in Huntsville, AL, with offices in Brooklyn, NY, and Dublin, Ireland.

Tags: , , ,
Posted in Other Stuff | Comments Off

GOBankingRates Uncovers the 12 Best Checking Account Promotions for Spring 2015

Posted by The Frugal Diva on 25th March 2015

A new study from GOBankingRates reveals the best rewards and cash-back checking promotions at banks and credit unions this spring.

With millions of Americans opening new checking accounts each year1, many banks offer free cash and other perks to entice new customers. To cut through the noise and help consumers find the best deals, leading personal finance site GOBankingRates investigated major banks and credit unions nationwide to uncover the top checking account promotions this spring, ranging from a $300 bonus to free airline miles.

See full details on the report here >>>
http://www.gobankingrates.com/checking-accounts/12-best-checking-account-promotions-today/

“Promotions like these are a nice incentive if you’re shopping around for a new checking account, but you shouldn’t make your banking decision based wholly on a one-time deal,” said Casey Bond, managing editor of GOBankingRates. “If you’re comparing checking products, look at fees and interest rates first; after all, a $150 promo could be easily wiped out by several overdrafts if you open an account with an unfriendly fee structure. After you’ve weighed important account details, these promotions can sweeten the deal and boost your savings.”

The 12 Best Checking Account Promotions Today

  • Bank of America: $200
  • Bank of America2: $300
  • BankDirect: American Airlines AAdvantage Miles
  • BankUnited: $120
  • BBVA Compass Bank: $150
  • Chase Bank: $150
  • Discover Bank: $50
  • Langley Federal Credit Union: $50
  • Nationwide Bank: $200
  • PNC Bank: $300
  • Santander Bank: $240
  • SunTrust Bank: $200

Additional insights:

  • Cash: The top cash checking promotions varied in value from $50 to $300.
  • Recurring Bonus: Not all cash-back promos are one-time deals; Santander Bank pays new extra 20 account holders up to $20 a month for meeting certain requirements.
  • Miles: BankDirect is the first online bank to offer customers the chance to earn American Airlines miles through banking products, including checking, money market and CD accounts.
  • How to Apply: Qualifying criteria varied, with most banks on this list enforcing either direct deposit requirements or daily balance minimums.

About GOBankingRates

GOBankingRates.com is a leading portal for personal finance news and features, offering visitors the latest information on everything from interest rates to strategies on saving money, managing a budget and getting out of debt. Its editors are regularly featured on top-tier media outlets, including U.S. News, Business Insider, Daily Finance, Huffington Post and more. It also specializes in connecting consumers with the best financial institutions and interest rates nationwide.

1 The Financial Brand: “Six Ways to Win the War for New Checking Accounts,” Feb. 25, 2015

2 Bank of America is currently offering two separate checking promotions, with different qualifying criteria for each. Additionally, while the $200 promotion lasts throughout 2015, the $300 offer expires in April. As with any of these offers, always check with the respective institution’s website for full details.

Tags: , , ,
Posted in Other Stuff | Comments Off

The Broke Grad’s Guide to Thriving in the Real World

Posted by The Frugal Diva on 23rd March 2015

Email this guest post to your new grad.

Graduating college is an exciting moment, right? Maybe not.

Total student debt has topped $1 trillion this year and the average college graduate owes more than $33,000 in outstanding payments upon commencement. So, it’s understandable why young adults are filled with more fear than joy about earning their diploma and entering the real world. While finding a good job is paramount, learning how to budget and discovering ways to save on everyday expenses offers the best chance to surviving life after college.

If you or a recent grad in your life faces this same scenario, consider these top money moves for making the switch from college to real life manageable.

Optimize your repayments. Get a handle on what you owe by reviewing all your accounts. If you find you’re struggling or falling behind, get help before it’s too late. Making late student loan payments (or missing them altogether) will negatively impact your credit score which can take years to rebuild. For help, check the Student Debt Repayment Assistant from the Consumer Financial Protection Bureau. You can often negotiate a repayment schedule that fits your budget or even get your loan payments deferred.

Lower your rental costs. You may be eager to live on your own, but roommates offer a significant financial relief for rental costs. The more roommates you have, the cheaper your total living expenses will be. Keep in mind that location matters, too. The closer you live to the city center, the more expensive rent will be, so look for a place located further from the hot spot of town. To avoid broker fees, use sites like Craigslist and Apartable.com for no-fee listings.

Join a credit union. Credit unions offer the same services as regional and national banks but typically have less fees and lower loan rates. Credit unions also typically pay higher savings yields and are more sympathetic toward struggling borrowers. To find a credit union that suits your needs, review this list.

Search for coupons before you pay for anything. Whether you need new shoes, food for your pooch or an oil change, search for coupons before pay. Free mobile tools like the Coupon Sherpa mobile app make this task easy, offering savings for our half a million physical locations in the U.S. You can also use your phone to compare prices with the Pricegrabber barcode-scanning app or earn rewards while you shop with Shopkick.

Get savvy in the kitchen. Eating out for breakfast, lunch and dinner will seriously drain your paycheck and leave you with just enough to cover basic living expenses. Get in the habit of preparing lunch and cooking meals for yourself. Cook one large meal like this Roast Chicken to give yourself plenty of options throughout the week, including chicken salads, sandwiches and pasta dishes.

Live without cable and prepay your cellphone. Cutting the cord on pricey cable bills is easier to do these days thanks to free online video streaming services like Hulu that hook right up to your TV. For more programming and newer release options, check out Hulu Plus and Netflix for just $8 per month — a cheap bill when split among roommates. You can also hook up an indoor HDTV antenna to get more channels than basic cable with no monthly bills. When it comes to your cellphone, consider switching to no-contract, prepaid wireless services to avoid hidden fees and punitive charges. This way, you pay for what you use and nothing more.

Become a second-hand shopper. A wise man once told me that no one will know the shirt you’re wearing was bought at the Salvation Army. This is a great principal to live by considering buying used can reduce your total spending by up to 90 percent. Whether you need professional clothes, kitchen goods or furniture for your new apartment, search gently-used options at garage sales, local consignment stores, speciality sites like RecycleYourFashions.com and thredUp.com or more mainstream sites like eBay. Don’t forget, this is a great time to sell clothing and other goods you no longer use for funds towards a future purchase.

Get a side hustle. At this point, maximizing your cash flow will help you pay down debt faster. Take on an extra gig after hours like waitressing, bartending or freelancing. Or consider doing other people’s “to-dos” via TaskRabbit, where you can peruse tasks in your area and submit offers for such activities as grocery shopping, dog walking and even photography. If TaskRabbit is not available in your area, check the “gigs” section on Craigslist for options ranging from labor to writing to creative.

Build your credit wisely. Opening a new line of credit may seem counterintuitive while paying down school debt, but building a healthy credit score now will ensure you receive the best rates on future mortgages, insurance and other expenses. To help manage your credit card wisely, treat it like a debit card and only charge transactions for which you have the cash to cover. Pay off the balance in full each month so interest doesn’t overwhelm any rewards. For help finding the right credit card with low APR, consult Nerd Wallet’s list of the best credit cards for 2015.

Save for the future. It’s tough to think about retirement when you have student-related debts to pay. However, if your employer offers a 401k match plan, turning it down is like leaving money on the table. Even if you can only match the percentage they’re contributing, you’re doing your future self a financial solid. Most experts agree that young people have a distinct advantage over everyone else when it comes to saving for the future: time. Don’t waste yours!

Andrea Woroch is a nationally-recognized consumer and money-saving expert for Kinoli Inc., who helps consumers live on less without radically changing their lifestyles. From smart spending tips to personal finance advice, Andrea transforms everyday consumers into savvy shoppers. She has been featured among top news outlets such as Good Morning America, NBC’s Today, MSNBC, New York Times, Kiplinger Personal Finance, CNNMoney and many more. You can follow her on Twitter for daily savings advice and tips.

Tags: , , ,
Posted in Other Stuff | Comments Off

National Consumer Protection Week 2015–March 1-7

Posted by The Frugal Diva on 24th February 2015

With all the hacking and scams, the Frugal Diva says information is the best protection. Use the resources below to find out about buying a used car, making investments, and much more.

March 1-7, 2015 is National Consumer Protection Week (NCPW), an opportunity for organizations around the country to show their commitment to consumer protection by teaching people about their consumer rights. More than 80 Nonprofit groups, businesses and federal, state and local government agencies are partners in NCPW and hundreds of other agencies and organizations host events for the week (and beyond) throughout the country. NCPW partners share resources and have created a toolkit to help people coordinate events during NCPW.

NCPW.gov – in Spanish at protecciondelconsumidor.gov – has free resources from NCPW partners on topics from managing credit and debt, to avoiding identity theft, to staying safe online and more. These resources help people learn about their consumer rights and how to spot and avoid scams and identity theft. If you spot a scam, the site tells you where to file complaints with federal, state and other partners.

On March 3 at 2:00 p.m., the Federal Trade Commission (FTC) will host a Twitter chat in conjunction with National Consumer Protection Week 2015. Follow @FTC where consumers can join the conversation. The hashtag is #NCPW2015. See FTC Twitter chats to learn more.

Tags: ,
Posted in Other Stuff | Comments Off

New Research Finds Volunteering Improves Health and Happiness

Posted by The Frugal Diva on 28th January 2015

If you have 2-3 hours to spare each week, you might want to consider volunteering, particularly if you’re 50 or older. Not only can the experience be incredibly fulfilling, new research finds that it might just make you healthier, happier, and more physically fit.

The group of researchers led by the Rotman Research Institute at Baycrest Health Sciences analyzed data from 73 studies involving people aged 50-plus who were in formal volunteering roles. The results were published in August 2014 online in Psychological Bulletin. Here are some of their key findings:

  • Volunteering is associated with reductions in symptoms of depression, better overall health, fewer functional limitations, and greater longevity.
  • Health benefits may depend on a moderate level of volunteering. There appears to be a tipping point after which greater benefits no longer accrue. The “sweet spot” appears to be at about 100 annual hours, or 2-3 hours per week.
  • Adults considered “vulnerable”, meaning they had chronic health conditions, may benefit the most from volunteering.
  • Feeling appreciated or needed as a volunteer appears to amplify the relationship between volunteering and psychosocial well-being.

Earlier studies had also found a moderate amount of volunteering was related to less hypertension and fewer hip fractures among seniors compared to their non-volunteering peers.

“Taken together, these results suggest that volunteering is associated with health improvements and increased physical activity – changes that one would expect to offer protection against a variety of health conditions,” said lead investigator Dr. Nicole Anderson.

No matter where you live, you can find places in need of volunteers. At my kids’ elementary school, neighborhood volunteers serve as “Reading Buddies” to some of younger students to help boost their reading proficiency. Community theaters often rely on volunteers to serve as ushers, answer phones and other tasks. If you love animals, an animal shelters could be just right for you to dedicate a couple hours each week. Local hospitals and churches are also often in need to volunteers. Reach out and find a cause that’s meaningful to you to start reaping the many rewards of volunteering

SOURCE:

Evidence mounting that older adults who volunteer are happier, healthier. News Release. Baycrest Center for Geriatric Care. Aug 2014.

This article is written by   Stu Lieberman the writer for Nutri-Health.com, an online High Quality Probiotics  and Health Store.  Assisting people and helping them find quality natural probiotic supplements enzymes and health products online is what Stu has been doing for over 2 years.  Nutri-Health.com carries Digestive Supplements to Probiotics to Joint Health.

Tags: , , , ,
Posted in Other Stuff | Comments Off

Tips for Surviving Holiday Parties without Weight Gain

Posted by The Frugal Diva on 9th December 2014

When you’re watching your weight, or just trying to be healthy, holiday parties can be a challenge. And, they seem to multiply every year. There’s your office party, your neighbors’ parties, your kids’ parties at school, and of course, your own family gatherings.

If visions of yule log cakes, cookies, and cheese balls have you panicked, take heart. You don’t have to forgo healthy eating this season. And you don’t have to skip out on all the merriment. Here are some tips to help you stay on track and avoid weight gain from all those holiday parties.

  • Eat Breakfast. When you start your day off with a healthy, nutritious, and satisfying meal, you’re more likely to continue to make healthy food choices throughout the day. The morning of a holiday party, start your day with a morning meal that includes healthy protein, like eggs or low-fat yogurt, lean meat, and fruit.
  • Keep Moving. The holiday season is busy. If you don’t have time to go to the gym or do your regular workout, look for ways you can incorporate physical activity into your day. Take your dog for a walk, have a dance party with your kids or grandkids, or anything else that gets your heart pumping.
  • Bring Your Own Healthy Dish. If you’re attending a potluck, offer to bring a healthy main course or side dish. That way, you’re guaranteed to have a lighter, healthier option to eat.
  • Use Small Plates. When making a plate at a party, choose the smallest plate available. Smaller plates help keep your portions in control, as they limit the amount of space you can fill.
  • Load up on the Veggies. Once you’ve grabbed your small plate, head over to the vegetables. Fill half your plate with raw veggies. Raw vegetables are best because you know they haven’t been cooked in, or covered with, calorie-filled sauces. If you want to add a some flavor, drizzle a little balsamic vinegar over your veggies.
  • Make Sure Your Plate is Colorful. Once your plate is filled take a look down. You should have a variety of colors represented. A plate of brightly-colored foods is often a sign that you’ve made wise choices. Just be sure those colors are not coming from candies and sweets!
  • Have a Nibble of Chocolate. That’s right… chocolate. Dark chocolate has been shown to promote satiety, so you feel fuller longer. Having a little nibble of the dark variety can also help to satisfy your sweet tooth, so you don’t overindulge at the dessert table. Note that milk chocolate does not provide the same health benefits. Look for dark chocolate containing at least 70% cocoa.
  • Socialize and circulate. If you’ve finished eating, keep yourself busy talking to family and friends, away from the table of food, so you’re not tempted to go back for seconds or thirds. Parties aren’t just about the food. Use this time to get to know someone new, or catch up with an old friend.

This article is written by  + Stu Lieberman the writer for Nutri-Health.com, an online High Quality Health Supplements such as PQQ.  Assisting people and helping them find quality natural health supplements online is what Stu has been doing for over 3 years.  Nutri-Health.com carries Digestive Supplements to Probiotics to Joint Health.

Tags: ,
Posted in Other Stuff | Comments Off

Sun Trust Holiday Means

Posted by The Frugal Diva on 25th November 2014

To help people better manage holiday spending and avoid stress, SunTrust is offering tips, tools and advice on a website called holidaymeans.com.

Resources include a downloadable budgetworksheet to track spending; planning guide with steps to achieve a stress-free holiday; ideas for creating holiday memories; inspirational videos; and posts from guest bloggers that offer advice for a meaningful holiday.

“Holidays should be less financially stressful and more meaningful,” said Rilla Delorier, consumer channels executive at SunTrust Bank. “Our purpose at SunTrust is to help people achieve financial well-being, and that’s especially hard to do this time of year. Through holidaymeans.com, we’re showing people how they can think differently, spend thoughtfully and take specific steps to stay in financial control.”

Tags: , ,
Posted in Other Stuff | Comments Off

The Ultimate Black Friday Guide

Posted by The Frugal Diva on 25th November 2014

Thanks to the folks at GOBankingRates.com for this comprehensive list of store openings, best buys, and shopping tips for Black Friday. They sure know when to hold em and when to fold them. Check them out to find the hottest deals, why some items are better priced after Black Friday, and how Black Friday came into existence. And most importantly, don’t just wait for Friday. Many stores and websites are starting their deals early.

With GOBankingRates.com doing all the work, the Frugal Diva gets to sleep late, take in the free FIDM museum downtown, grab a bite at the Grand Central market, and start planning for Cyber Monday.

Tags: , ,
Posted in Other Stuff | Comments Off

Don’t Fall for It!

Posted by The Frugal Diva on 21st November 2014

The folks at SingleHop provided some expert advice  to help spread the word about how people can keep themselves, their families and their information safe online.

To help you, they have put together some useful information.

Hacking methods

Online scams: Scam attempts have gotten way more sophisticated than the stereotypical Nigerian Prince trick. The FBI’s Internet Crime Complaint Center (ic3.gov) lists dozens of variations on email and online scams – from fraudulent automobile auctions to online dating schemes – in its annual Internet Crime Report. In 2013 alone, more than a quarter of a million complaints were submitted related to online scams. And if you think it only happens to older people, think again: One fifth of scam victims last year were younger than 30.

Phishing: One particularly nefarious form of online scam uses legitimate-looking websites to trick a victim into sharing their username, password, or other sensitive information. Phishers will design their sites to look exactly like the website of your bank, credit card issuer, or another financial institution. The hope is that you won’t realize you’re on the wrong site, and just punch in your password like you normally would. Then, they use it to log into your real accounts and transfer out your money.

Massive data breaches: The above methods are all aimed at getting information about individuals. However, there’s a whole profusion of hackers who are looking for the big score. Recent hacks of Home Depot, Target, and other major retailers have led to millions of credit card numbers being compromised. Hackers turn around and sell these numbers on a black market website for anyone who might be willing to buy them.

Staying Protected

Vigilance: Look carefully at a website before giving any information, especially sensitive data like passwords, credit card numbers or Social Security numbers. Especially look out for slightly misspelled words or words that use unexpected characters, such as substituting a “0” (number) for an “O” (letter) – for example, H0ME DEP0T. If something looks even a little bit fishy, delete the email or close the site immediately.

Browser bookmarks: Rather than clicking on links in emails, create bookmarks in your browser to commonly used sites, like your bank, insurance company, etc., and use those bookmarks every time you visit the site. That way, you know you’re always going to the right website, rather than trusting in an email that could’ve been sent by anyone.

Two-factor authentication: More and more sites (especially those of financial institutions) are using two-factor authentication. With such methods, after logging in with your password, the site will text or email you a single-use code that must be entered. Only the registered phone number or email address will receive the code, making it that much harder for hackers to gain unauthorized access to your accounts.

Protected servers: Consumers may not have direct control over how companies store their information, but with larger and larger hacks occurring regularly, you have a right to demand that companies take more responsibility for securing your personal information. For example, SingleHop embeds security features into their dedicated servers at the physical access level all the way down to the network, server, application, and account levels. Close monitoring along with antivirus protection, application patching, private networking, and firewalls all work to ensure that company data is protected and isolated.

Thank you Single Hop!

Tags: , ,
Posted in Other Stuff | Comments Off

Veteran’s Day Deals

Posted by The Frugal Diva on 10th November 2014

In honor of Veteran’s Day, Slickdeals has pulled together the best freebies/deals.

Freebies

·  Restaurants

·  Other

Deals and Discounts

·  Kohl’s

o $10 off Orders Over $25

o valid from 11/7 through 11/11

o http://slickdeals.net/f/7283886

·  Amazon

o 20% Off Select Clothing, Shoes, Jewelry, Watches and Luggage

o valid through 11/11

o http://slickdeals.net/f/7306734

Posted in Other Stuff | Comments Off