Here's What Today's Top Companies Want You to Know Before Applying

In today's highly competitive society, it's more important than ever to have access to knowledge. People who have to know things are likely to do well in any market. This is very true when it comes to finding a job. Anyone in search of a job needs to understand the application process and it entails. The world's best companies are even more competitive than the job market as a whole. Knowing what such companies want from their applicants can help anyone get a job at a great company. There are certain qualities they look for in most candidates. Knowing what they want can help you get hired.
 Share Your Passion 
 One of the most important qualities employees seek out today is passion. They want to see and hear from candidates who are committed to their work. A candidate who can demonstrate they really care about the company's needs is a candidate who will stand out during the interview process. This is sort of quality that can't really be forced. You have to feel it inside. This is why it is important to find job listings that really appeal to you. Your natural passion will shine through.
 Be Honest 
 Another important quality that any potential employee should demonstrate is honesty. Employees who show off their real selves during the interview process are more likely to get hired. Employers do not want to see an employee who is putting on a false face. They look for candidates who radiate authenticity and honesty. Think about your best qualities before you head for the interview. You want to show them off as you speak. Remember to keep to the facts and demonstrate that you tell the truth all the time. Show off your inner self and you'll radiate confidence.
 You Know the Company
 In today's highly connected world, there's no reason not to know the company you are interviewing with. You want to show off that you know the company well during the interview. Take the time before you go to look up vital stats about the company. Think about how you can show that you will fit in well with the company's goals. Your aim to show off that you've done your homework and you understand what the company is all about. When you've shown that you are willing to take the time and do real research about the company before you're hired, this will help demonstrate that you're willing to go that extra mile. Employers tend to be impressed at those who do.


Tips to Save More When Banking or Buying

Regardless of your income or social status, almost everyone appreciates a good bargain. Be it a special sale at Macy’s, or a two-for-one in canned soups at your supermarket or a month-end closeout sale at the Ford dealership, savvy buyers are always on the hunt for a deal to save them money.

This attitude applies to find savings at the bank, savings, and loan or financial institutions where you have your money on deposit.

Here are tips on how to save more when you buy or bank:

Buying Tips 

1. On-line shopping - By now, everyone should be familiar with the phenomenal rise of Amazon and its impact on the retail industry. Shopping and buying online is a great way to stretch your shopping budget as well as save money in gas for your car. Other retailers like Walmart have geared up their online presence to match the Amazon surge, so broaden your online shopping search to save even more money.

2. Coupons- Merchandise coupons have long been a way to save money at the checkout stand at the grocery store. In recent years, the number of coupons offered in magazines and newspapers has fallen off. But coupon clippers needn’t despair. The internet is bursting with coupon offers at various websites and individual stores. Most grocery chains offer special coupons. Some stores have even coordinated the coupons to their in-store goods so that the lower coupon price will be rung up as you check out.

3. Buy Quality Items- Buying the cheapest items doesn’t always produce a saving. The quality of the products matters too. Take shoes for instance. A quality pair of shoes might last you a year or two whereas a cheaper pair might wear out in six months. Even though the quality pair cost more initially, your cost of buying multiple cheap shoes is higher in the long run.


Ways To Get Free Training If You Are Laid Off From Work

It's never a great day when you find out you are getting laid off at work. It can be awful for families who have no backup to get them through a period of time without employment. The Bureau of Labor and Statistics says that there are currently one out of ten workers unemployed across the country. Thankfully, you don't have to go into deep debt to retool your career choices. There are company-funded retraining programs that many individuals can take part in to get them back on their feet and employed. Below are some top ways in which to reinvent your career before going broke after getting laid off.

Talk To Your Boss

Before you walk away from your place of employment forever, it could be in your best interest to have a good chat with your boss. Many people do not have enough money through severance packages and cash settlements to pay for professional development courses or retraining. Those people who had cushy jobs with big companies might be able to afford it. However, the majority of people who are laid off will not. For those workers in lower positions at companies who were laid off, it could benefit them to have a conversation with their boss to see if they could get help and negotiate educational benefits through the help of their labor union.

Get Government Help

A great way to get help with free training after being laid off is through government programs. The Department of Labor has career centers where unemployed individuals can find information about careers they are interested in. They will also find information regarding free classes on job preparation, basic academic skills, and computer training. The center also has information about funding local workers who are dislocated.


Eight Essentials To Get The Most Out Of Working From Home (WFH)

Working from home has many advantages. It gives you the opportunity to have more control over your work schedule. It also allows you to spend more time with your family. However, there are a number of things that you can do in order to get the most out of working from home.

Set up Your Work Space

Even though you are working from home, you should be just as professional as you would be if you were working in an office. You should designate a space in your home that is just for working. Everything that you need should be in one place. This includes your computer, notepads and work papers. This area should not have a television, radio or other things that can distract you.

Make sure that you let people know that you are serious about your work. Kindly ask your family members and friends not to bother you while you are working unless is an emergency.

Schedule Regular Breaks

Many people think that the best way to get work done is to spend all day at the computer. However, this will lead to burnout and decreased productivity. That is why it is important to take breaks regularly. Eat snacks and walk around throughout the day. Some people become so engrossed in their work that they forget to eat and take breaks.

Set a Strict Schedule

You can set your own hours. However, it is best for you to keep the same schedule every day. You may find that you are more productive if you set the same schedule every day.

Take Good Care of Yourself

It can be difficult to take care of yourself when you work from home. However, taking care of yourself will not only help you stay healthy, but it will also help you remain productive. Try to get some exercise every day. Make sure that you eat plenty of fruits and vegetables.


Do You Have Unclaimed Property or Assets Being Held in Your Name?

There could be a surprising amount of money somewhere with your name on it.

We are not talking about the lottery here. What we mean is you may have some unclaimed funds from the past or even some sort of physical property that belongs to you but somehow you either did not get notified about it or you forgot.

Some examples of sources where these free funds may be waiting to be found come from old checking accounts you closed in the past, wages, payroll checks, pensions, tax refunds, wills, life insurance policies, money orders never cashed, items found in a safety deposit box, and a lot more.

You would be surprised how many people do forget about these treasures. If this article reminds you of something, don’t feel embarrassed. Instead, you can go on a “treasure hunt” to see what’s out there.

Or if you are curious to see if you have any unclaimed assets out there, follow this treasure map and see for yourself. What’s nice about doing the search yourself is that it is totally free.

Where to Go to Find Unclaimed Property or Assets

You can use the internet to look for unclaimed assets. Your treasure hunt can be done from the comforts of home. However, before we look at the map to show you where to go hunting, here are some tips to guide you along the way.

There is no one single destination for the entire country when it comes to unclaimed property. Each state has an agency that oversees the unclaimed property and helps people locate their funds. So if you have lived in multiple states, be ready to do searches under all the states where you have lived. Also be sure to search under all the last names you have used in the past.

This is a site to help you get started with multi-state searches. Here is a website from the National Association of Unclaimed Property Administrators where you can search individual programs state-by-state.

To locate any HUD or FHA mortgage insurance refunds, search here.


Cheap Flights Using Student Discount Codes

Traveling sounds tough for a broke college student. Driving takes forever, and you can't drive overseas. But did you know that many airlines offer discounted travel deals for college students? Take advantage of one of these and you won't have to go broke to fly across the country or even overseas. Moreover, many of these deals still work after you graduate, giving good deals to anyone within a certain age range.

For most of these deals, you just need to have a student ID. Sometimes they'll ask for a class schedule. Other times, all they care about is that you are within a certain age range, usually 18-25, but sometimes as low as 16 and as high as 26.

Sometimes, they don't check to even see if you're a student! So get ready to explore the world, as we take you through some of the best deals out there for young people.

Let's look at some of the best deals out there:

1. Student Universe

Student Universe will give you great discounted rates on a flight if you're a student. It also includes deals on hotels and tours. As long as you're between the ages of 18 and 25, enrolled at a university, and seeking a degree, you can take advantage of some of these great offers. Most of the time, they will grant you these deals automatically. Sometimes, however, they might want to see your class schedule or student ID. Sometimes they have deals that don't just apply to students, but anyone in the 18-25 age range.

2. STA Travel


Top 8 Shifty Sales Hooks to Avoid When Shopping

Although the economy seems to be recovering from the latest recession, consumers still look for the best deals they can get when they go shopping. Nobody wants to spend more than they have to. However, some retailers still use shifty sales hooks to get into the consumers' wallets by creating seemingly irresistible offers.

The slashed prices and sometimes outrageous promotions will draw shoppers to their stores, but inevitably, shoppers end up actually spending more money than they'd planned on.

Retailers can be relentless, but we're here to help you avoid these sales tactics and keep hold of your cash and credit for the real bargains.

1. The Free Shipping Offer

Consumers are shopping online more now than ever. And who doesn't want free shipping? But when you have to order a certain dollar amount to get that free shipping, you'll no doubt spend more than you wanted to in the first place.

The retail industry calls these deals "threshold offers." When you meet the threshold, you get free shipping. "Free Shipping on Orders of $25 or more." If you do enough shopping on Amazon, you're probably familiar with this tactic.

Yes, the shops make more sales because they're concerned with their bottom line. But when the item you're looking for is only $9.99 and you want that "free shipping," you may end up buying things you don't need just to reach that $25 threshold. In essence, you're spending more than it would have cost you just to pay for the shipping.

Be aware of this tactic and before you go spending more to get "free" shipping, head over to and look for a coupon for that retailer. Or if the purchase can wait, but when the retailer offers free shipping without the threshold catch.

2. New Store Credit Card Discounts

We've all heard it when we hit the checkout counter. "You can save 10% today if you open a new credit card with us today." Some retailers even set up promotion booths at the front of their stores with sales clerks ready for gullible shoppers.

Use caution with these pitches. Many have such low credit limits combined with high-interest rates that it costs more money to use their card than you get with the discount. So you're not saving money, you're spending more!

Online retailers are great at this tactic too, highlighting their store discounts and savings when you use their card. "Discount prices with Amazon Prime" comes to mind.

But you can get similar discounts by signing up with sites like and get genuine discounts without paying more on credit card fees.

3. Clearance Sales

You walk into the store and the first thing you see are all of the items the store has on clearance. They put bright signs everywhere: "Clearance Sale!" Walmart is very good at this.

Now if you went to the store to purchase items that just happen to be on those clearance shelves, you are going to save money. But don't be bribed into buying things on impulse that you don't need or want just because they're marked down on clearance.

4. Pricing Gimmicks

Did you know that not every item in Walmart or on Amazon is priced lower than any other retailer? You might think so because many of the items are deeply discounted.

But what many retailers do is slash prices on some items in their stores, like Walmart's "Rollback" prices, while increasing prices on other items around the store. While you're spending less on their Rollback items, you may be spending more on other items you need. In essence, you're not realizing any savings at all.


Tips, Tricks, And Hacks Every College Student Can Rely On To Make Their Lives Easier

Postsecondary learning institutions, more commonly known as colleges or universities, are more popular in the United States of America than ever before. Many people go because it's virtually tradition for today's high school graduates to attend college. the Bureau of Labor Statistics has quantified this measure from the graduating class of 2016 and found that over two-thirds of high school graduates immediately enrolled in college - that's 69.7% - although it's not clear whether they maintained good grades, failing grades, or dropped out. 

Unfortunately for college students, most are directly out of high school, having worked part-time jobs for minimum wage, if possessing any occupational experience at all. While some students have parents who fund their way through college, buying gas, food, furniture, laundry, housing, and the proverbial laundry list of necessary expenditures. This list of tips, tricks, and hacks was created with broke, busy college students in mind, making the most of their appliances, their roommates' belongings, and what little money they have. Let's get started - prepare your note-taking material; class is now in session.

Plastic Baggies, Walmart Bags, Grocery Sacks - Oh My!

Plastic bags, no matter where they come from - as long as they're clean, that is - are undoubtedly helpful for college students. You can keep food in them from friends' houses, the campus cafeteria, or leftovers from dishes you cook by storing them in the fridge or freezer. Rather than spending five or more dollars on quality trash can liners that actually hold a reasonable amount of waste without busting upon, ask for extra bags when grocery shopping and use them to store trash. Store virtually anything in these bags without hassle, whether it's school supplies, first aid material, or medicine. 

The best part about this college life hack? It's 100%, tee-totally, entirely, wholly free. F-R-E-E... What does that spell? Free!

Match, Match, Match Your Bo. Uhhh, Clothes


5 Automatic Savings Program to Boost Your Emergency Fund

If you have trouble saving money, you're not alone. According to a new GOBankingRates survey, nearly 35% of Americans have less than $500 in savings and 34% have nothing saved away. Nearly half of American families have no retirement savings at all. This means the majority of Americans are only one emergency away from financial devastation. 

The best place to start saving is building an emergency fund that can cover a car or home repairs, medical bills, or other unexpected expenses. These 5 services can help you reach your financial goals with automatic savings you don't even need to think about. 

#1. SmartyPig

SmartyPig is a free high-yield piggy bank designed to help you reach savings goals while earning an impressive interest rate. While the average yield on a savings account for the last decade has remained a measly 0.06%, SmartyPig allows you to earn up to 1.12% on your deposits. 

After opening a free SmartyPig account, you can choose to schedule regular deposits into your account from outside checking or savings accounts. You can also have a paycheck direct deposited into your online piggy bank. From there, you can set up savings goals and manage how much of your deposits go toward each financial goal. 

#2. Chime

Chime is a free online spending account that comes with a debit card and a savings account. Every purchase or transaction you make with your prepaid debit card is rounded up to the nearest dollar which gets transferred from your Spending Account to your Chime Savings Account. 

One of the most unique aspects of Chime is it allows you to earn a 10% bonus every week on the total amount of your round-ups. You can earn a bonus of up to $500 every year. To help you reach your savings goals even faster, you can choose to automatically transfer the recommended 10% of your paycheck directly into your savings account. 

#3. Dobot


Everything You Need To Know About Brokerage Sweep Accounts

The financial world can be a confusing and complicated place, but don't let the jargon deter you from learning as much as you can about the systems used by financial institutions. By engaging in the dialogue, you can glean vital information that will help you take advantage of these systems to their fullest potential, which is exactly why they exist. One area that confuses many potential investors is opening a brokerage account.

A brokerage account is truly nothing complicated. In its simplest form, it's an account where you can store a value that will, in turn, be used to invest. There are several ways your cash can be stored, and you'll need to select an option when setting up the account. One popular option is to use a sweep account.

Almost every brokerage account has this sweep feature already included, but you can decide whether or not to use it. Some find the feature quite beneficial, while others have found it to be detrimental to their investment potential. The options you choose when creating the account can determine whether your sweep account will be a help or a hindrance.

Whenever you deposit cash into the brokerage account, it will automatically go to the sweep account. If you've invested in stocks that pay dividends, those payments will also go into the sweep account. When you decide to buy more stocks or securities, the value is taken from your sweep account and returned to the brokerage firm so the transaction can be made. Cash value in the sweep account also counts toward those who have margin requirements due to trading on margin.

Sweep Account Benefits

If you take full advantage of a sweep account, it actually has many benefits. Like most standard savings accounts, almost all sweep accounts are insured by the FDIC. This gives your account and the value within it an extra layer of protection. Not only that, but sweep accounts typically bear interest at the same or similar rates as standard savings accounts. If you opted to allow your deposits to sit directly with your brokerage firm, it would not earn any interest or have FDIC protection. The only way to earn interest with money in the brokerage and not in the sweep account would be to invest in money market funds.


Different Ways of Claiming Tax Reduction from the Council

In order to make it easier for many people to pay their tax, the council has initiated many tax reduction measures instead of the tax benefits from the council. The new system will allow you to save a substantial portion of your payable tax depending on your particular situation. Below is a simplified guide that answers pertinent questions about the new system.

Council Tax Reduction: What Does It Mean?

To people who cannot afford to pay the council tax because they are either low-income earners or they are not employed, the local council has devised council bills with discounts that facilitate schemes for tax reduction.

Who Is Eligible for Tax Reduction?

There are two conditions under which you can be eligible to claim the council tax reduction. The first one is if your savings are below £16,000 and you have absolutely no income or if you are on a low income but you pay the council tax. If the house you live in is your only home or if you rent it, you can also apply. A council tax reduction may also apply if you are paying for two neighboring residences.

You can apply if you are jointly owning a home with someone else or alone, and the liability of the tax is on you. The degree of reduction you are entitled to get depends on the location of your residence, and this information can be obtained from your local authority.

Factors that influence eligibility include:

  1. The number of adults living with you
  2. If there are children living with you
  3. Income such as your partner’s, your savings and pensions
  4. Where you live.

How Much Council Tax Reduction Are You Entitled to Get?

The highest reduction you can get from your annual bill is 100 percent. The council works out your tax reduction level by considering the income from tax credit and benefits and the money from you and your partner get. Other factors they check are like disabilities, your age, family size, and any outside help you can get.


Awesome Ways to Get Back on Track

We all know how important it is for us to work when it comes to our finances. Without gainful employment, it will be difficult for you to pay bills and get the items you need to live a comfortable life. Unfortunately, being out of work for any length of time can make it difficult to get back into the groove of working. Whether you've been out of work for medical reasons or because you've been working or caring for the home and family, returning to work can be a real struggle when you're so used to a specific routine.

Why Work is Good for the Body and Mind

Working a viable job is great for the body and mind. When your mind is allowed to become stagnant, you could deal with depression, anxiety, and other mental health-related problems. Many people who have been out of work for a long period of time report that they began to deal with minor or even major depression with anxiety and other mental disorders thrown into the mix. This is simply because your schedule becomes stagnant and you have nothing to truly look forward to in the coming week but your old ordinary daily routine. Working is also great for the body, as it keeps you active throughout the day and prevents you from being sedentary sitting on your couch at home all day.

How to Get Back Into the Groove of Work

Just because work is great for the body and mind doesn't excuse the fact that it can be downright difficult to get back into the groove of working after being unemployed for so long. For instance, you might have been a stay-at-home mom for five years and now that your kids are in school, you're ready to go back to work. This is all fine and good until you realize that you don't remember any of your learned skill sets and your old licenses and certifications have expired. If need be, start off the process by taking a class or course in the profession you'd like to become involved. This will allow you to feel prepared for entering the workforce again.

Getting Your Resume Done


Cutting Your Grocery Bill in Half- A Simple and Easy How-To Guide

The price of food keeps going up while the average wages go down. According to statistics, the average family can easily spend over $6, 000 a year in groceries. You don’t have to spend hours a day scouring the internet and paper ads for coupons, although couponing CAN work if you know the right tricks. Read on for five tips on how to save a great deal of money on your grocery bill.

Coupons Won’t Always Do It

Most food companies and grocery chain stores don’t want you to know this, but enjoying extreme grocery savings won’t come from the coupons the brands put out. The best way to save money is to shop the promotions whenever the store has them. When the groceries you and your family eat regularly are on sale, buy as much as you can. Look through the circular ads for the stores in your area to compare prices and find out what is selling for the lowest price. Plan your grocery trips accordingly to hit the stores with the best sales. Don’t buy something you normally don’t purchase just because it is on sale; only buy what you will actually use. From now on, you want to only buy an item when you find it on sale at your local store. 

Always Stockpile What You Can

Remember that almost every food product you buy will go on sale again every six to eight weeks. So when you find a great sale on something your family uses regularly, you will want to buy enough of it to last until you can find it on sale again. Buying only a week’s worth will only help you for that week if you are forced to pay full price for it again next week. It may seem counterproductive to spend more for a larger quantity at first. But since your goal is to shop sales every week, you’ll be building up your pantry and saving money in the long run. You’ll also have the stock to plan meals accordingly without having to make special trips to the store for one or two items. It may take six to eight weeks to notice significant savings in your grocery bill, but once you do, you’ll see how well this system works! 


U.S. Savings Bond Redemption

U.S. Savings Bonds are a popular and low-risk investment method dating back to 1935. Historically, the bonds were used to help fund the WWII war efforts, but now are a useful tool for college education payment or retirement savings. Savings bonds accrue interest at either a fixed or adjustable rate for a specified period of time until they reach full maturity.

Bond Ownership

Savings bonds are non-transferrable. Only the person named as the owner of a bond can redeem it. If you have received a bond as part of an inheritance, special documentation is required to prove you are the rightful owner. Instructions on how to redeem savings bonds after the death of the owner can be found on the Department of the Treasury's TreasuryDirect website.

If you've purchased a U.S. Savings Bond from an individual, auction, or website, you are not the lawful owner. You will not be able to redeem the bond.

Series of Bonds

The rates, maturity periods, and terms of bonds differ by bond series and issue date. Knowing the specific terms of your bonds allows you to maximize your redemption.

Series - Series E bonds were discontinued in 1980. All Series E savings bonds have reached full maturity and no longer accrue interest.

Series EE - Series EE bonds can be redeemed when they are at least 12 months old from date of issuance. If Series EE savings bonds are redeemed within the first 5 years from issuance, the owner forfeits the last three months of interest. Series EE bonds accrue interest for 30 years before reaching full maturity; only some have reached full maturity.
Series H - Series H bonds were discontinued in 1979. All Series H savings bonds have reached full maturity and no longer accrue interest.


Find & Claim Cash You Didn't Even Know You Had

Did you know that it's been estimated that there is up to $60 BILLION in unclaimed cash in the US? Unclaimed money can come in many forms - unclaimed insurance policies, money from bank accounts, and other registrations. The best part? It could be in your name - and you wouldn't even know it. 
So how can you check to see if you can cash in on some of that unclaimed money? It's actually pretty easy! Here's a list of the easiest, most common ways to find unclaimed cash and properties. &

This is exceptionally easy if you have an odd last name. Go to the website, type in your name, and search their database to see if there's any cash waiting for you. It really takes all the work out of it - just one click and you can see exactly what is available to you. Not every state participates in MissingMoney, so is another great way to check and see if there's money out there in your name. It's an expansive website, and is known as a "clearinghouse" for the NAUPA, or "National Association of Unclaimed Property Administrators". If you think you don't have something waiting on you, it's still worth a try. While doing research for this article, a quick search turned up some cash waiting on this writer's spouse! Both of these sites were very easy to navigate and listed out all information clearly. Though they did have some copy-cat ads on them that might fool you at first, neither ask for your credit card or any other suspicious information.

Have you ever had an FHA home loan? Then HUD may be holding onto your refund money. All you have to do is go to to see if you're listed in their refund database. This is a super easy way to get money that's owed to you. It especially comes in handy when you're still working on paying off those pesky home loans. 


12 Easy Ways to Make Extra Money

It can be overwhelming when you are trying to save money for an emergency fund, holiday or vacation. Trying to make an extra thousand dollars seems absolutely daunting when you think about it, but the best way to go about the task is to break it down into smaller ones. Read on for 12 ways that you can save money and end up with thousands more in your savings account!

#1 Start a New Bank Account

Start a new savings account, either with a local bank or online, and deposit $5.00. Right now, American Express is offering an online savings account with no monthly fees and great interest rates. If you choose an online bank, you’ll be less tempted to withdraw the money you deposit. 

#2 Earn up to $100 in Passive Income

There are a number of websites online that will help you earn up to $100 a year or even more just by using them for a little while every day. For example, Inbox Dollars, Swagbucks, Earny and Drop are just a few websites that will pay you for various tasks online. 

#3 Consolidate Your Current Debt

This tip doesn’t actually help you make money; however, it can help you save the money you already have. By consolidating all of your credit card payments into one you won’t be paying high- interest rates to dozens of credit card companies at a time. This can save you a lot of cash over time. 

#4 Check Out Airbnb

If you have a spare room and are a good host, consider using Airbnb to rent out your space to travelers. You can make hundreds or more by doing so! You may be able to rent out your home or room for a hundred or more a night, especially if you live in an area that sees many tourists. 

#5 Sell Your Old Junk

Most of us have a ton of clothes, shoes, electronics and more that we don’t ever use. There are many apps available that will pay you for these items! Check out Decluttr if you have CDs, Blu-rays, video games and DVDs to sell. Bookscouter will buy back old college textbooks. Every little bit will add to your account!

#6 Join Lyft


8 Interesting Ways You Can Save Money On Amazon

We all love the ease and thrill of shopping on Amazon. You can get everything big and small purchased and delivered to your doorstep within a day or two. With Amazon Prime, you can get all your Christmas shopping done from your laptop and have it all delivered to you! No hassles, no lines, and no crowded malls! That is wonderful, isn’t it?
I am quite sure many of us love the excitement but do tend to make impulsive purchases. Do you wish you found ways to save money on Amazon to at least justify these purchases? Now you can with these 8 interesting ways to save money while shopping on Amazon.

1. Earn Rebates Through Ibotta For Your Amazon Purchases

Ibotta is a great way to earn cash back for your purchases. Ibotta has expanded way more than letting you earn cash back through grocery purchases. Now you can earn cash back for your Amazon purchases as well. Sign up for Amazon Prime through Ibotta and you get a $20 Amazon card right away. 
There are more ways to get cash back from Amazon. These are some of their current offers. You can earn 5% cash back on home services, and 3% on fashion purchases, home and kitchen purchases, luggage, devices, and pet supplies. These amounts definitely add up as quickly as you make these purchases.
All you need to do to start enjoying these cash backs is to download the Ibotta app and do your shopping through the app. You would get a $10 cash back bonus just for signing up.

2. Have Shipping Delays? Get Your Refund For That

Isn’t it absolutely annoying to expect something shipped to you on a particular day and not have received it on time? I have had birthday gifts that arrived too late for the party and that has been a great inconvenience. It’s even worse when you actually pay for shipping.
With the Paribus app, you can track your shipping delay. In the event you paid for shipping and do not get your purchase promptly, the app can help you get the refund that you deserve. 

3. Use Acorns To Save From Your Purchases

Think of it as a way of saving your pocket change. When you use Acorns, your purchases get rounded up to the nearest dollar and this change is then kept it a saving account. That is such a great way to set aside money to save while you just keep making the purchases. 
Once this money adds up, you can let Acorns invest it for you in stocks that you find appropriate. Right now, you can even get a free $10 bonus for trying out the Acorns app.

4. Share Your Purchase History And Earn $36 This Year

If you regularly shop at Amazon, you can make some extra money each month when you help companies do some research based on your purchase. You can do this by downloading the Shop tracker app and linking it to your Amazon account. 
Once linked, you get a free $3 visa card, and $3 every month you leave it installed. Meanwhile, the app would use your purchase history for research with companies who need them.

5. Pay For Your Amazon purchases With a Rewards Credit Card


Free Fast-Food for the Price of a Download

Fast food may be a delicious guilty pleasure for millions of people around the world, but the convenience and value also make it indispensable when looking for cheap food or meals on the go. Take some of the guilt out of your next fast food trip by getting free food and other great deals. All you have to do is download one of these or other fast-food apps.

All of the apps listed below provide free food in some form, and in some cases, access to other deals and rewards. While deals are often applicable to only certain locations, they change constantly. If you keep up with the app and check deals frequently, you'll find opportunities for free items. At the current time, these nine fast-food apps also give you free food either immediately or soon after downloading.

1. Dairy Queen

Upon downloading the DQ app, you immediately are eligible for a free small Blizzard. From there on, every fifth visit you get a free item, such as Blizzards, Sundaes or cheeseburgers. Plus, every tenth visit, you can get various desserts free, or a $5 buck lunch. In terms of quantity of rewards offered, DQ's app is one of the best.

2. Sonic

Sonic is known for their signature slushies as much as for their fast food. With summer upon us and the heat bearing down, download the Sonic app to get a free slushie on your next visit. And, let's be honest, don't you really want a free slushie?

3. Jamba Juice

While the Jamba Juice app doesn't offer anything free upon purchase (although you will get a free smoothie on your birthday,) you do get $2 off your next purchase. Next time you're running through the airport and need a quick snack, you'll be glad you downloaded the app.

4. McDonald's

The McDonald's app can earn you a variety of deals, but you get two as soon as you download it. After you buy 5 of any McCafe beverages, the sixth is free, and you also get a free four-piece chicken McNuggets when you purchase a large Extra Value Meal, making for some quick and easy savings.


The Changing Policies Of Medicaid: What The Trump Presidency Plans To Implement

Recently, the President’s administrative council came forward to talk about their plans to implement a ‘block granting’ system, through which the state government will now be given grants to run the Medicaid for the people of that state. This is not the first time that the Republican Party has come forward in favor of the ‘block granting’ system. In the past, the system has been spoken about, but never implemented on the scale President Trump plans to. There has been a lot of debate about whether or not this method will be useful to the state governments and if the state governments will be able to handle the cost of Medicaid for the people living there.

Currently, Medicaid covers over seventy-five million children and adults all over the country. People are dependent on this coverage to handle their medical expenses. Traditionally, the state-supported Medicaid in conjunction with the Federal government, which made handling the financing of Medicaid a lot easier. The federal government would provide these grants to the states depending on the poverty rate of the people living there. States like Mississippi have the federal government contributing to around three-thirds of their Medicaid budget, while the ratio in more well-developed states is far less. This flexibility has enabled all the states in the country to provide a uniform code of Medicaid. With the introduction of the new system, the states are entirely dependent on themselves to support the Medicaid plans, which may end up having more inconsistencies in the way the system works.


Prospects Of Implementation

So what are the odds of this plan falling into place? The Republican Party has time and again expressed interest in implementing this system. The party feels like it can improve the workings of Medicaid in the country, and thereby provide a much better coverage to the people who are in need of this. Since most of the people who opt for Medicaid belong to the working and lower income groups, they feel that these state-funded policies will work a lot better for the citizens of America. The bill to enable this policy needs at least 51 votes to pass, which is possible if they get a simple majority of votes, however, is still unsure if definitively the bill will pass.


A Small Increase In Social Security Equals Big Trouble For Recipients

Each year, Social Security recipients anxiously await their cost of living increase. This year, many were disappointed to find that their increase was a paltry .3 percent, to countless Social Security benefit recipients. While any extra income is welcomed, this amount will barely buy a gallon of milk, for most. Next year, it looks like more of the same. The inflation rate is low, and the payout boost will also be truncated. Some say that it is because of the reduced gas prices. The COLA, or cost of living adjustment, affects over 70 million people. With the average Social Security check being around $1,238 each month, most recipients will receive an increase of just under $4 per check. 

Medicare Part B Increases Will Devour COLA

To add insult to injury, Medicare Part B rates are on the increase. Next year, it is estimated that the increase in these plans, which are subtracted from Social Security checks, will eliminate the COLA. Thankfully, it is prohibited that the Medicare Part B costs are raised higher than the COLA. It is called the “hold harmless” measure, and it protects most Medicare receivers. Consequently, some regulations state that those receiving Part B has enough money coming in to be able to pay for the estimated 25 percent medical services expenditures. Due to this regulation, many recipients are required to cover the cost of the entire rise in premiums out of pocket. Historically, the only time a COLA raise has exceeded two percent was back in 2011. Since that date, it has been small amounts that are barely noticeable on the checks. 

Drastic Reductions Cause Many To Use Retirement Accounts

These drastic reductions in the COLA and increases in premiums are causing many people to use their retirement accounts to live. Thus, they are running out of funds quicker than they expected. It is estimated that people will spend about 30 years in retirement. These accounts that were made for this length of time are being drained at a much faster rate because of price hikes. 

Many are upset and feel that the government doesn’t have a clear understanding of the expenses that the elderly population incurs. While they are quick to point out that fuel costs have dropped over five percent in the past year, they leave out the part that health care expenses have risen by over five percent. If an elderly person doesn’t drive a vehicle, and many don’t, then they will not receive the full benefit of reduced gasoline prices. However, many of them will feel the impact of higher medical care costs.