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  • Old Clothes Become New Money at Men’s Consignment Shops

    Old Clothes Become New Money at Men’s Consignment Shops

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    If you’re hoping to sell some gently used womenswear online or in-store, you might immediately think of laundry list of retailers. But when we’re talking about menswear, the answer is not so obvious. Where are the best places to sell your mens cast-offs, your unused suits or your lightly-worn ties?

    Well, fret not, because there are options. Some of them are geared specifically toward men, while others are sites where you can sell your entire family’s clothes. We recommend starting with men’s consignment stores, but you’ll find a whole host of resellers on this list, both online and brick-and-mortar. For men, we suggest dividing your items into two categories: commonly worn pieces, like jeans or T-shirts; or designer items by luxury brands.

    Read on to find out the best places to sell your vintage and used menswear.

    5 Online Men’s Consignment Stores

    Not having to carry your clothes around to a physical location will make your life easier. Some of these stores have both physical shops, while all of them have online options.

    1. Grailed

    Grailed’s name is a nod to the slang term “grail,” meaning an item that is hard to find and, therefore, in demand,, and it bills itself as a “one-stop destination for buying, selling and exploring menswear and womenswear.” The site claims to be the largest men’s fashion marketplace, and it’s a place where you can find brands like Alexander McQueen and Dries Van Noten as well as Adidas and Supreme.

    If that feels a little out of your price range, don’t worry — Grailed has other categories, where you can shop and sell items like sweatpants and joggers, slip-on shoes and polos.

    What makes Grailed popular with buyers is that it’s free. For sellers, the benefit is its low 9% commission fee. There’s no barrier to entry, but you set the price for your items, so they may take longer to sell than they would on a site that sets the price for you. There is also a payment processing fee for transactions conducted with Grailed Payments or PayPal.

    Grailed offers buyer and seller protection through its own system, Grailed Payments, meaning that any disputed charge can warrant a full refund. PayPal has its own buyer and seller protection. There are two kinds of offers, binding and non-binding. A binding offer means that the payment must be completed immediately if the seller accepts, whereas a non-binding offer means the buyer does not have to purchase the item even if the seller agrees to their offer. With PayPal, all offers are binding, but if buyers choose to use Grailed Payments, all offers are currently non-binding.

    2. The RealReal

    As its name implies, The RealReal prides itself on authenticity. While all of the sites on this list forbid replicas and knockoffs of brand-name items, The RealReal takes it one step further by employing trained professionals — from gemologists to brand experts — to ensure every item it offers is the real thing. Your item must pass a rigorous inspection before the site will list it.

    The RealReal has a fairly hands-off selling process for the seller. Just send in your items, schedule a pick-up or drop them off. Once the site gets your clothing (or anything else you’ve sent), they’ll authenticate, photograph and price everything for you. Anything that doesn’t work—whether it’s deemed inauthentic or unsellable—will be sent back to you.

    The RealReal’s structure works by rewarding sellers the more that they sell and the higher the price. The percentage a seller earns is broken down by item and price of item sold. Here is a full list — the highest percentage earned by the seller is 85%.

    Some examples include:

    • If you sell men’s sneakers worth between $200 and $299, sellers earn 55% of the price.
    • If you sell clothing between $300 and $749, you earn 60% of the sales price.
    • All items under $149 are tiered by commission. Items from $0 to $99 earn the seller 20% of the price, while items between $100 and $149 earn sellers 30% of the price.

    There is also a tiered system that allows sellers to earn VIP status. Here’s how that works.

    • A Trendsetter, or someone with net sales under $1,499, earns standard commission.
    • An Influencer, with net sales between $1,500 and $4,999, can add 1% to the standard commission.
    • A Tastemaker, with net sales between $5,000 and $9,999,, can add 2% to standard commission.
    • A VIP, with net sales above $10,000, can add 5% to standard commission.

    3. Menswear Market

    Menswear Market touts itself as taking some of the guesswork (and legwork) out of reselling your items by offering personalized services like shipping, customer service and all of the sales work. .

    Menswear Market may sell your pieces on its own website, through its selling account on eBay or at in-person sale events. To get started, sellers must contact Menswear Market and see if their clothes are eligible. If so, they can ship them at no charge. Each month, the seller will get 60% of the total money their items net.

    Menswear Market is a great option for the seller with no time and access to “high-quality designer and upscale brands.”

    4. Linda’s Stuff

    Don’t let the name fool you — Linda’s Stuff isn’t just for women’s clothing and accessories. It also has a sizable men’s section with everything from jeans to shoes to swimwear.

    This company strives to sell your luxury items at a price that will net you the most money and interest the most buyers. The team does most of the work itself, from photography, to research, to pricing, to authenticating.

    The team increases demand for an item by listing it at first for auction on eBay. If it doesn’t sell in seven days, they then choose a fixed price—with a best offer option—and create a listing. The fact that all items have free shipping is particularly enticing for buyers. (To offset this, the company adds $10 to the listing price, which they will take out when calculating your commission.) The company lists items for one year, but if they don’t sell in that time, it is the consignor’s responsibility to initiate the return process.

    Like many online consignment stores, Linda’s Stuff pays sellers based on how much they sell and how much money they make for the site. For items at $999 or less, sellers receive 60% of the sale. For items that go for $1,000 or above, sellers get 75% of the sale. If you hit $5,000 or more, sellers get 80% of the sale price. It’s important to note that Linda’s Stuff wants items with a resale value of more than $49 to qualify.

    5. Poshmark

    You may have heard of Poshmark — it’s one of the most popular sites for secondhand resellers and buyers. But did you know they have a men’s section?

    Listing an item on the platform is easy. It just involves making an account, uploading a photo of your item with a description and listing it. You set the price.

    Poshmark takes a commission in a sliding scale form, much like other platforms. For sales below $15, Poshmark takes a commission of $2.95 per sale. For sales of $15 or more, Poshmark takes 20% commission.

    A site like Poshmark is good for a seller who doesn’t have high-end designer items, is willing to put in a little bit of work and wants to keep the bulk of their earnings.

    Brick-and-Mortar Men’s Consignment Stores

    If you want to sell your clothes in-person, then we have the options for you. Well Suited and Crossroads Trading operate online, too.

    6. Well Suited

    From the same people who brought you women’s consignment site My Sister’s Closet and home furnishings consignment site My Sister’s Attic, Well Suited has retail stores in Arizona. It also allows shoppers to browse and purchase items online.

    You can stop by a store with items you’d like to sell or follow these instructions to ship them to the company.

    To qualify for resale, your items should meet the “three C’s” My Sister’s Closet originally set forth:

    1. Cute (or, one could argue, “handsome” in this case): brand-name designer items, whether classic or trendy, that retail for at least $75
    2. Clean: in like-new, ready-to-wear condition
    3. Current: stylish and no more than four to five years old

    You can receive 45% of the item’s sale price in cash or 55% in store credit. Designer bags and jewelry, or anything that goes for more than $4,995, can net up to 70% in commission.

    7. Plato’s Closet

    Plato’s Closet focuses on teen and young adult clothing and accessories — for guys, this includes athletic shoes, coats, jeans, shorts and tanks in brands including Levi’s, PacSun, Sperry, Converse and Under Armour.

    Check here to see if there are any locations in your area. If there are, you can stop by with your items and an ID, and a sales associate will review your stuff while you browse the store’s racks.

    Unlike other consignment stores that pay you when your items sell and take a cut as commission, Plato’s Closet buys your items outright and stocks them for resale — so once you receive and accept its quote, you walk out with cash.

    The price per item will likely not be as high as luxury consignment stores. But if you’re looking for a quick, easy way to unload your unwanted stuff and get a few bucks, Plato’s Closet is worth checking out.

    8. Buffalo Exchange

    Like Plato’s Closet, Buffalo Exchange buys acceptable items upfront and pays you 25% of the selling price in cash or 50% in store credit. You can drop your items off at one of its physical locations — stores no longer allow selling by mail.

    Buffalo Exchange lists what each location is looking for here, but in general, stores are almost always seeking everyday staples, plus sizes and any menswear. That means guys are in luck!

    9. Crossroads Trading

    Crossroads Trading offers flexible options for the most flexible of customers — sellers can sell in-store, drop off their goods in store, sell by consignment or sell by mail. The deal is simple: if you trade for credit, you get 50% of the sales price of your clothes. If you want cash right away, you get 30% of the sales price.

    Like Buffalo Exchange and Plato’s Closet, Crossroads is a good option for a buyer who wants to leave the store with cash right away. The store has locations in various parts of the country.

    Writer Elizabeth Djinis is a contributor to The Penny Hoarder, often writing about selling goods online through social platforms. Kelly Gurnett is a former contributor to The Penny Hoarder.




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    elizabethdjinis@gmail.com (Elizabeth Djinis)

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  • Here’s How Blood Donors Can Score Free Gift Cards and Other Perks

    Here’s How Blood Donors Can Score Free Gift Cards and Other Perks

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    There’s a shortage of blood at many hospitals around the country, but no shortage of places to roll up that sleeve and give a pint.

    Along with helping save a life, donating blood is also a good way to get free stuff like $10 gift cards, beach towels and movie tickets. You could also get the chance to win a few thousand dollars, a vacation or tickets to a big game. 

    Blood bank Vitalant, which operates in 28 states, is citing a “blood emergency.”

    “The blood supply for about 900 hospitals nationwide recently dipped to its lowest level in a year,” the nonprofit said in a recent press release. 

    One in seven people who go to the hospital need a blood transfusion including accident victims as well as people battling cancer, leukemia, sickle cell or chronic anemia.

    While high school and college students are the biggest donors by age group, much of the blood donated for decades has been collected at workplace blood drives. With the transition to remote work workplace donations have taken a big dive. Vitalant alone saw a 50% decrease in business-hosted blood drives last year compared to 2019. 

    “Just like our pantries need constant restocking, so does the blood supply,” said the American Red Cross said in a statement. 

    To attract donors, blood banks offer gift cards, chances to win money and even tickets to major sporting events.

    Perks for Pints

    These days you get a lot more than a T-shirt and some peanut butter crackers when you donate. Of course, for many donors, knowing that one pint of blood can save three lives is enough. And it only takes 45 minutes to donate.

    With blood collection organizations routinely giving out $20 worth of gift cards to Amazon, restaurants and major retailers at blood drives, a couple who gives six times a year can average $240 worth of free stuff and save 36 lives. 

    For a family of four with kids above 16 and old enough to donate, that’s about $500 in gift cards per year and 72 lives saved.  

    “One time we went to Kohl’s and there was a blood drive in the parking lot,” said Beverly Mattis of Wake Forest, N.C. “They gave us each a $20 Kohl’s gift card so my daughter and I went in and did some shopping afterward.”

    You can net much more than $20 for giving blood depending on the promotion. Right now, OneBlood, which serves Florida and parts of Alabama, Georgia, South Carolina and North Carolina, is offering a set of two tickets to see the Orlando Magic to anyone who donates.

    Give blood through the Red Cross March 1 to March 31 and you’ll have a chance of winning a $3,000 prepaid Visa card. Five will be given away. Everyone who gives will get a $10 Visa card.

    Restaurant certificates, store gift cards and other rewards, sometimes even cash, are often offered to people who give blood.  Chris Zuppa/The Penny Hoarder

    How to Get the Perks of Being a Regular Blood Donor

    If you register to be a blood donor with the blood collection organization in your area, you will receive texts or emails with dates of upcoming blood drives and the perks. There are many blood collection organizations around the country. Here are three of the biggest, and how to register:

    Most people can donate every two months. There’s no requirement that you give a certain number of times a year, but there is encouragement. Some blood banks offer a second gift card of a higher value if you give blood twice within a certain period. 

    OneBlood has a new Blood Donor Milestones Program that rewards repeat donors with points toward merchandise and gift cards as they achieve certain levels of giving. 

    Along with gift cards and tickets, many blood collection groups also give out swag such as beach towels, fleece blankets, car sun shades and insulated water bottles.

    More Perks for Donating Platelets

    Platelets are small cells that stop bleeding by forming clots. Donated platelets are used for cancer patients, transplants, burn patients and traumatic injuries. 

    When someone donates platelets, a machine extracts them from whole blood then returns the rest of the blood back to the donor. The process takes about three hours.  

    Because it takes longer than donating whole blood, often more perks are offered for people who give platelets, which can be donated every seven days. OneBlood has a big offer ongoing: Donate platelets six times before March 31 and you will collect $420 in egift cards, which can be used at most major retailers as well as many smaller stores and restaurants. Each time you donate, you get a egift card worth more money as well as one worth $20. You can accrue $420 worth of cards after six donations. That’s a good way to afford that new TV or buy groceries for a while. 

    Vitalant is also encouraging people in certain regions to organize a “platelet party” with friends the same as they might host a party at their homes selling Tupperware, jewelry or clothes. An organizer can invite eight friends to a private catered party at a collection center where donors receive gift cards and other swag.

    People line up at a blood donation bus to donate blood.
    With many people working from home because of the pandemic, donations at mobile facilities during traditional work hours has fallen. Chris Zuppa/The Penny Hoarder

    Organize a Blood Drive and Win a Scholarship

    High school blood drives are crucial to supplying the nation’s hospitals with much-needed blood. About one-third of the blood collected nationwide comes from high school students.

    Many adult donors started as high school kids lining up in the gym to do a good deed and get out of Algebra class. In most states, 17-year-olds can donate blood and 16-year-olds can give with a parent’s consent. They must weigh at least 110 pounds and be in generally good health.

    Blood collection agencies across the country offer competitions for local high schools.

    The Red Cross is offering gift cards and the chance to win college scholarships worth $1,000, $1,500 or $2,500 to high school students who organize blood drives in the summer of 2023. The number of pints collected determines the amount of scholarship money they could win in a drawing. But you definitely get a gift card worth $50 or more if the blood drive collects at least 25 pints. 

    Along with the gift cards and chance for a scholarship, organizing a blood drive shows leadership skills and really stands out on a resume for a job or college application. 

    How to Make Donating Blood, Scoring Gift Cards or Game Tickets Easier

    Here’s some info from the American Red Cross to make your donation go smoother before you even get to a donation site. A blood donor card or driver’s license or two other forms of identification are required at check-in.

    Blood and platelet donors can save time at their next donation by using RapidPass to complete their pre-donation reading and health history questionnaire online, on the day of their donation, before arriving at the blood drive. To get started, follow the instructions on the site or download the Blood Donor App from the Apple Store or Google Play.

     

    Veteran journalist Katherine Snow Smith is a former staff writer at The Penny Hoarder. She covers ways to make money, save money and other topics. Her work has appeared in the Tampa Bay Times, Charlotte Business Journal and Greenville (S.C.) News




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    kvsnowsmith@gmail.com (Katherine Snow Smith)

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  • February Class Action Settlements Involve the Tampa Bay Buccaneers, American Airlines, Avis

    February Class Action Settlements Involve the Tampa Bay Buccaneers, American Airlines, Avis

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    Consumers who file a claim before February settlement deadlines could receive cash payments and other benefits. Settlements are available for defective products, false advertising, non-compliant receipts and more.

    February 2023 Class Action Settlements

    LeafFilter Debris Accumulation Class Action Lawsuit Settlement

    LeafFilter agreed to a class action settlement to resolve allegations its gutter filter system doesn’t work as intended and can become clogged with leaves and other buildup.

    The settlement benefits consumers who appear in LeafFilter’s customer care database with a debris-related final issue code for their service request between Jan. 1, 2016, and June 24, 2022.

    According to plaintiffs in the LeafFilter class action lawsuit, the company’s gutter filter system fails to work as advertised. The system allegedly becomes clogged with leaves, twigs and other items, preventing water from passing through gutters as intended. As a result, rainwater allegedly flows out of gutters and onto homes — causing water damage.

    In order to receive settlement benefits, LeafFilter purchasers must submit a valid claim form by Feb. 4, 2023.

    Root Insurance Total Loss $1.5M Class Action Settlement

    Missouri policyholders can benefit from a $1.5 million class action settlement with Root Insurance resolving claims that the insurer failed to include sales tax on total loss payments.

    The settlement benefits Missouri policyholders with automotive insurance policies from Root Insurance who submitted a total loss physical damage claim between Jan. 5, 2011, and Aug. 4, 2022.

    Plaintiffs in the total loss class action claim that they were significantly underpaid as a result of Root Insurance’s alleged failure to include sales tax in total loss payments. This policy allegedly denied policyholders hundreds or thousands of dollars in violation of policy terms.

    The deadline to submit a claim with the Root Insurance total loss settlement is Feb. 4, 2023.

    Celsius Beverages False Advertising $7.8M Class Action Settlement

    Celsius agreed to pay $7.8 million to resolve a class action lawsuit claiming that the company falsely advertised its beverages as containing “no preservatives.”

    The settlement benefits those who purchased Celsius beverages between Jan. 1, 2015, and Nov. 23, 2022. The settlement covers Celsius Live Fit, Celsius Heat, Celsius BCAA+Energy, Celsius with Stevia, Celsius On-The-Go powdered drinks and Flo Fusion powdered drinks.

    Celsius allegedly advertised its beverages and powdered drinks as containing “no preservatives” despite containing citric acid — a flavoring agent and preservative ingredient. Consumers say they wouldn’t have paid as much for the drinks if they knew the truth about their ingredients.

    In order to receive a settlement payment, purchasers must submit a valid claim form by Feb. 13, 2023.

    Salmon Antitrust Indirect Purchasers $33M Class Action Settlement

    A $33 million class action settlement between salmon farms and indirect purchasers will resolve claims that the salmon companies conspired to raise and fix the price of salmon products.

    The settlement benefits consumers who indirectly purchased (not from the manufacturer) farm-raised salmon or salmon products in certain states between April 10, 2013, and Nov. 17, 2022. The settlement covers purchases made in Alabama, Arizona, Arkansas, California, the District of Columbia, Florida, Guam, Hawaii, Illinois, Iowa, Kansas, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, West Virginia or Wisconsin.

    Plaintiffs in the antitrust class action lawsuit accused Mowi Ducktrap, Grieg Seafood, Sjór, SalMar, Lerøy Seafood and Cermaq of conspiring together to raise the price of salmon products by manipulating a salmon price index. As a result of this scheme, consumers allegedly paid an inflated price for salmon when purchasing the products from retailers.

    Consumers can file a claim with the settlement until Feb. 17, 2023.

    Adobe Stock

    Tampa Bay Buccaneers Unsolicited Faxes $19.75M Class Action Settlement

    The Tampa Bay Buccaneers agreed to pay $19.75 million to resolve claims the team sent unsolicited faxes to thousands of customers.

    The settlement benefits individuals who received one of the 343,122 faxed advertisements sent by the Tampa Bay Buccaneers between July 14, 2009, and June 9, 2010.

    According to the Telephone Consumer Protection Act (TCPA) class action lawsuit, the Buccaneers sent junk faxes promoting its football games and prompting recipients to order tickets through Ticketmaster. Plaintiffs in the case say they never consented to receive these faxes, making the communications a violation of federal law.

    In order to receive a settlement payment, fax recipients must submit a valid claim form by Feb. 6, 2023.

    American Airlines Bag Fees $7.5M Class Action Settlement

    American Airlines agreed to pay $7.5 million to resolve claims it incorrectly charged customers baggage fees despite promising them free checked bags.

    The settlement benefits consumers who were charged to check a bag with American Airlines after Feb. 24, 2017, for tickets issued before April 9, 2020. Consumers must also meet one or both following criteria:

    • They received an email from American Airlines confirming the purchase of air travel that stated passengers could check one or more bags for that ticketed trip for no charge (or for “USD 0.00”).
    • They were traveling within the United States and held an American Citi or Barclays credit card entitling the passenger to check the first bag for free. This includes passengers on international trips who were charged to check their first bag for the entire domestic portion of their itineraries in addition to checking bags for the international portions.

    Passengers in the American Airlines class action lawsuits accused the airline of false advertising. The airline allegedly promised travelers they could check their bags for free, only to charge them baggage fees regardless of its previous promises.

    The deadline to submit a claim with the American Airlines settlement is Feb. 22, 2023.

    Avis Budget e-Toll Related Charge Class Action Settlement

    Avis Budget Group agreed to a $45 million class action settlement to resolve claims it charged hidden toll fees on car rentals.

    The settlement benefits consumers who rented an Avis Budget vehicle and paid Avis, Budget and/or the Highway Toll Administration for the use of e-Toll services. For rental transactions originating in Florida, Texas or Colorado, the class period is March 2, 2009, to Dec. 31, 2015. For rental transactions originating in all other states, the class period is April 1, 2007, to Dec. 31, 2015.

    According to the Avis Budget class action lawsuit, the car rental company violated consumer protection laws by charging undisclosed fees for electronic toll, or e-Toll, payment systems. Renters say they weren’t properly informed of these fees, causing them to pay more to rent an Avis Budget vehicle than expected.

    In order to receive a settlement payment, car renters must submit a valid claim form by Feb. 28, 2023.

    A man looks stressed out as he receives a phone call.
    Getty Images

    Great Lakes Educational Loan Services Debt Collection $1.275M Class Action Settlement

    Consumers who received excessive debt collection phone calls from Great Lakes Educational Loan Services could benefit from a $1.275 million class action settlement.

    The settlement benefits Massachusetts residents who received more than two phone calls from Great Lakes Educational Loan Services regarding a debt within a seven-day period since Oct. 28, 2015.

    Plaintiffs in the debt collection class action lawsuit claim that Great Lakes Education Loan Services violated Massachusetts law by contacting consumers more than twice in a seven-day period regarding a debt. These calls were excessive, the plaintiffs contend.

    The deadline to submit a valid claim form with the debt collection settlement is Feb. 27, 2023.

    Hibbett Receipt Privacy $6M Class Action Settlement

    Hibbett agreed to pay $6 million to resolve claims that it violated federal law by showing too many digits of payment card numbers on receipts.

    The settlement benefits consumers who used a credit or debit card at a Hibbett, City Gear or Sports Additions store and who received a receipt that displayed more than the last five digits of their payment card number between Dec. 15, 2020, and Feb. 23, 2022.

    According to the Fair and Accurate Credit Transactions Act (FACTA) class action lawsuit, Hibbett unlawfully printed too many digits on point-of-sale receipts at its stores. Hibbett has denied willful violations of federal law and maintains that any non-compliant receipts were caused by software errors.

    To receive settlement benefits, class members must submit a valid claim form by Feb. 8, 2023.

    Circle K Discrimination $8M EEOC Settlement

    Circle K agreed to pay the U.S. Equal Employment Opportunity Commission (EEOC) $8 million to resolve claims that it discriminated against disabled and pregnant workers.

    The settlement benefits Circle K workers who sought reasonable accommodations for a disability or pregnancy and were subsequently fired between July 10, 2009, and Sept. 26, 2022.

    The EEOC took legal action against Circle K under federal law, arguing that the company refused to provide disabled and pregnant workers with reasonable accommodations. According to the EEOC, this conduct violated the Americans with Disabilities Act, Title VII and the Pregnancy Discrimination Act.

    Current and former Circle K workers have until Feb. 26, 2023, to submit a valid claim form with the settlement.


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    tiffany.soga@topclassactions.com (Top Class Actions)

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  • You Could Double Your Tax Refund by Entering This Free Sweepstakes

    You Could Double Your Tax Refund by Entering This Free Sweepstakes

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    Unfortunately, federal income tax refunds are expected to be smaller this year for millions of Americans.

    Wouldn’t it be nice to double your refund?

    That’s the idea behind a new sweepstakes contest from Jackson Hewitt, the second-largest tax preparation company in the U.S. (The biggest is H&R Block.)

    To celebrate its 40th anniversary, the company is holding a weekly “Double Your Refund” sweepstakes from now through April 2 — and you don’t even have to file your taxes with Jackson Hewitt to enter the drawing.

    Over 12 weeks, 40 grand prize winners will get their federal tax refunds matched, to a maximum of $15,000. Even if you’re not getting a big refund, the minimum prize if you win is $1,500.

    Additionally, every week 40 runner-up entrants will be randomly selected to win $400 apiece. How’s that for a nice tax season surprise?

    Ready to tackle your taxes? We’ve reviewed the best tax software, including the free versions.

    To Enter the Sweepstakes, Do Your Taxes

    There are two ways to enter the sweepstakes, and you can enter only once.

    The most straightforward way is to have your income taxes done by Jackson Hewitt, which prepares 2 million tax returns a year at 5,600 locations all over the U.S. You’ll automatically be entered into the contest that way.

    But maybe you’re doing your own taxes instead. Hey, no problem! In fact, here’s our ultimate guide to filing your taxes in 2023.

    There’s another way to enter the sweepstakes, and you don’t have to be a Jackson Hewitt customer. You do have to physically mail something, though — and you have to do your taxes.

    You mail in an entry, and you have to do it by the Monday following the week that you file your federal tax return.

    This is kind of a way to encourage early tax filing. Winners are chosen weekly in random drawings during the 12-week sweepstakes period. So the sooner you enter, the more chances you have to win.

    The contest runs through April 2. The IRS begins accepting tax returns Jan. 23, and this year’s tax deadline is Tuesday, April 18. Here’s our guide to the 2023 federal tax deadlines.

    How to Enter the Sweepstakes by Mail

    Mail your entry with your name, address, email address, phone number and the date your tax return was filed, stated as “Federal Tax Return Filed on XX/XX/23.”

    Your entry must be in a No. 10 business envelope (a standard business envelope) with proper postage addressed to “Jackson Hewitt Double Your Refund Sweepstakes,” P.O. Box 16470, Rochester, NY 14616. Write your filing date on the envelope stated as: “Federal Tax Return Filed on XX/XX/23.”

    All winners will be notified by email, phone or mail. For full rules, terms and conditions of the sweepstakes, go here.

    Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.


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    mike@thepennyhoarder.com (Mike Brassfield)

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  • Single? This Jeweler Will Pay You $1,500 to Go on 15 First Dates

    Single? This Jeweler Will Pay You $1,500 to Go on 15 First Dates

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    Want to turn your Tinder swipes into debit swipes? Shane Co., a family-owned jeweler, is offering one lucky lovebird the opportunity to earn $1,500 just for going on 15 first dates.

    Of course, if you’re selected, you’ll have to do more than just go on the dates. You’ll also have to document the dates via photos and recaps for Shane Co., meaning your love connection (or dating disaster) could end up as fodder for a future marketing campaign for the jeweler.

    $1,500 for 15 First Dates: How Does It Work?

    Shane Co. is currently accepting applications for the gig. You have until just before Valentine’s Day — Feb. 10, 2023 — to sign up. The winner will be announced Feb. 27, 2023.

    But the contest isn’t open to just anyone. You’ve got to be a U.S. citizen, 18 years or older and, most importantly, single and ready to mingle. Shane Co. makes this very clear: “Cheaters never win, and winners never cheat.”

    If you’re willing to document your love life — and are OK with averaging three first dates a month for five months — you can fill out the application on Shane Co’s website.

    Be prepared: They’ll ask about more than just your name and age. Shane Co. wants to know why you think you’re right for the role and what your ideal first date would be.

    If You’re Selected by Shane Co.

    The winning applicant will have five months to go on 15 first dates. On each date, the winner will have to snap a pic and then fill out a short worksheet about how the date went. (Think of it as writing in your diary after a date, except the whole world can read it.)

    Every date has to be with a different person, and you can meet them however you want — online, as a blind date, at a bar or even, as Shane Co. suggests, at a bullfighting competition. You know, where love abounds.

    Technically, the first dates don’t have to be with strangers, so you could call up an old classmate or have an awkward conversation with a coworker if you’re struggling to hit 15.

    Before getting too excited about the prospect of a $1,500 reward, don’t forget about the cost of dating. Last year, Zoosk found that the average date costs $97. After 15 of them, you’ll have spent — wait for it — around 1,500 bucks.

    Happy swiping!

    Contributor Timothy Moore is a writer and editor in Cincinnati who covers banks, loans, insurance, travel and automotive topics for The Penny Hoarder.


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    tmoorefreelance@gmail.com (Timothy Moore)

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  • Americans With Less Than $9,000 in Savings Should Do These 7 Things

    Americans With Less Than $9,000 in Savings Should Do These 7 Things

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    When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.

    But what if your car breaks down, or you have a sudden medical bill?

    Ask one of these companies to help….

    1. Stop Paying Your Credit Card Company

    If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… 

    And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.

    If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances. 

    The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

    You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all.  Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

    It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

    2. Play Bingo on Your Phone for Real Money — up to $83 Per Win

    Do you play games on your phone just for fun? You should see if you can make money doing it, too.

    A free iPhone app called Bingo Cash lets you play for real cash. Every win could pay you up to $83.

    Bingo Cash is based on the classic Bingo format, where you’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls. The top three players in a game can win real money — anywhere from $1 to $83.

    And no, there’s no catch. There are no ads, either. You can play for free or pay to play in higher-stakes tournaments.

    Download the free app and start playing your first game immediately. You could win money today!

    3. Add up to $526.44 to Your Wallet for Skipping the Grocery Store

    Running errands is the worst. Seriously. After a long day of work, the last thing you want to do is go to the store and deal with the traffic and the crowds. 

    We get it. That’s why we like a free site called Rakuten — they’ll pay you to skip going to the store and shop online instead. 

    No, really. They work with just about every online store you probably shop at, and they can make sure you get some cash back every time you buy — up to 15% cash back.

    We talked to Denver resident Colleen Rice, who’s earned more than $526.44 in cash back since she started using Rakuten. For doing nothing. She just uses Rakuten for things she already has to buy, like rental cars and flights. 

    It takes less than a minute to open a Rakuten account and start shopping like you normally would. You just need an email address. 

    They’ll pay you with a check in the mail every few months or deposit it to your PayPal account. Talk about money for nothing.

    3. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion

    It sounds strange, but brands want to hear your opinion. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month.

    A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.

    It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time. 

    And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.

    They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.

    It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community. Now” button. It’s free.

    4. Cancel Your Car Insurance

    Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

    Use a website called EverQuote to see all your options at once.

    EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you. Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

    5. Let This App Pay You up to $83 When You Win Solitaire Games

    Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

    There’s a free app called Solitaire Cash that pays you up to $83 every time you win.

    You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

    Wrong. There really isn’t a catch. And, in fact, there aren’t even any annoying ads.

    With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

    Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

    To get started, just download the free app and start playing your first game immediately.

    6. Get Free Stock 

    Here’s the thing about investing: The sooner you start, the better. And we found a company that will give you free stock to get started. 

    An investing app called Robinhood will give you free stock worth between $2.50 and $200 just for downloading its free app and funding your account. 

    Yeah, you’ve probably heard of Robinhood. Both investing beginners and pros love it because it doesn’t charge commission fees, and you can buy and sell stocks for free — no limits. Plus, it’s super easy to use.

    Whether you’ve got $5, $100 or $800 to spare, it takes just a couple of minutes to sign up, fund your account and get your free stock — a nice boost to help you build your investments.

    7.  Earn $300+/Month in Passive Income with Your Extra Space

    If you’re like us, your garage probably isn’t doing much of anything at the moment. Maybe you have some tools in there, or maybe it’s home to your boxes of odds and ends, collecting dust. 

    But with a website called Neighbor, your extra space — whether it’s a spare room, an empty garage or a parking space — could be earning you an extra $300 a month in totally passive income. 

    Neighbor works by connecting people who need storage space with hosts who have the room to spare. The average host makes about $300 a month, but some people have earned up to $50,000 a year just by letting people park on their property. 

    It takes less than 10 minutes to get started. Just answer a few questions about your space, take some pictures and set your asking price. Neighbor will recommend a dollar amount based on your location and type of rental, but the final listing is up to you. 

    Neighbor even gives you up to $1 million in free protection as a host and offers protection plans for your renters, giving you both peace of mind. 

    Neighbor is an easy source of passive income, and it’s easier than most side hustles. It’s free to list your space, and you’ll only be charged a 4.9% processing fee from the profit you make each month, so there’s no risk to you. 

    Sign up here and see how much you could earn.

     

    *Results may vary and some may not see savings.



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    qplummer@thepennyhoarder.com (Quinten Plummer)
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  • So You Want to Be a Writer: 10 Free Tools to Get You Started

    So You Want to Be a Writer: 10 Free Tools to Get You Started

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    Whether it’s a calling, a passion, a way to make money — or some combination of all three, writing is a pretty rewarding way to spend your time, not that I’m biased.

    But before you set out for your favorite cafe with a typewriter and a funky hat (neither of which are an actual requirement of the profession), hear this. There are several online tools that can help you get your career as a wordsmith off the ground — without spending a dime.

    In this list, I’ve included 10 of my absolute favorite (and completely free) writing tools currently on the market. Whether you’re looking for a distraction-free writing platform, a way to save your ideas on-the-go, or a keen editing buddy — these freebies have something for every writer. Keep scrolling to find your new favorite free writing tool.

    10 Online Tools for Writers

    For new writers and old pros alike, here are 10 free online tools to help.

    1. Google Docs

    It isn’t glamorous, but it is free, and it certainly does get the job done. With plenty of free storage and endless ways to organize your work into folders, Google Docs is a must-have for any serious writer. Plus, it’s easy share documents with other writers and editors for seamless collaboration.

    You can access Google Docs simply by signing in (or signing up) for a Gmail Account. From there, you can create new documents and folders, spreadsheets (which can be super helpful for tracking your taxable income), and so much more.

    2. FocusWriter

    Another great free tool for easily-distracted writers, FocusWriter answers the call with that perfect blank-page look, and no fussy settings or additional controls to get in the way.

    Customize your background theme, set a timer or alarm and then get to work. Since this application is available via download rather than in a web browser, you’ll need to have one of its supported devices. Fortunately, FocusWriter is available on Windows, Mac OS, and Linux.

    3. Sprinter

    It doesn’t get any simpler than Sprinter, a one-window online writing platform that allows you to set a timer (or not) and just “free-write.” (Pun intended. The company is also behind Freewrite — a line of smart typewriters which will satisfy any writer’s aforementioned hipster-cafe fantasies).

    Drafts can be saved and accessed through the company’s online platform, or copied and pasted into any word processor. Besides the timer and old school typeface (which is especially satisfying for some reason), this free platform also includes a real-time word count and “read-time” to help you determine the length of your current draft.

    4. Medium

    If you’re a new writer just looking to dip your big toe in and make a name for yourself, you might want to try using Medium. This blogging website offers a clean, distraction-free experience and allows you to get your writing in front of more people a lot faster than you would by starting your own blog.

    You can write and publish your work for free, and even submit it to publications within Medium (to get more eyes on your writing). Whenever I meet a new writer looking to get out there, I always recommend submitting to these publications. Not only do they make impressive samples to show would-be clients, but they also teach you a bit about how to cater your writing for certain audiences and platforms— an important skill if you want to get paid to write.

    5. Milanote

    If you’re a highly visual kind of writer looking for an organizational tool more than a writing interface, then you might want to try Milanote. It offers a great way to compile all your images, notes, and anything else into one easy-to-use visual board.

    Once you try Milanote, it’s easy to see how it would be helpful for larger projects like longer essays or books where you have lots of ideas and notes to keep track of. It’s also a useful brainstorming tool if you like making mood boards for your writing work.

    Although Milanote has an unlimited paid version for $9.99 per month, there’s also a free version which includes 10 file uploads, unlimited shared boards with other users and 100 notes, images, or links.

    6. Evernote

    Although it’s not strictly a tool for writers, Evernote is a great application to know about. Similar to Milanote (but less mood-board-ish and more about note-taking), Evernote allows you to organize all of your notes and ideas in one place. I especially like Evernote for the way it syncs seamlessly across all devices.

    Use it to make notes on the go, then open up the application on your laptop and dive back in, right where you left off. You can use the basic version of Evernote for free, or get a few more perks by paying $7.99 per month.

    7. Hemingway Editor

    If you’re looking for a free way to edit your work before submitting it to an editor, The Hemingway App is a great way to go. This free online tool allows you to paste your completed article or essay and get instant feedback on grammar, formatting, and even readability.

    I especially like it for this last point, since the app stresses the use of simple language, short sentences, and active voice, all of which help improve your writing and make your editor’s life easier.

    8. Grammarly

    For writers in need of a bit of extra help with grammar, you might want to try Grammarly, which can be downloaded onto your device or used in the form of a browser extension. This free tool provides instant feedback on grammar as well as clarity, word variety and tone.

    Some editors even require their freelance writers to use Grammarly when starting out, so if you’re not feeling 100% in your ability to draft up grammatically correct prose, this is a great place to start.

    9. yWriter

    For longer bodies of work like novels and other books, this free downloadable word processor may prove to be an invaluable resource. Combining a clean, distraction-free interface with loads of great organization tools — like the ability to break your work into scenes or chapters and find them again later — makes yWriter one of the best free writing tools on the market.

    The best part about yWriter is that it was created by an author for authors. Offering some of the same functionality as paid tools like Scrivener, yWriter is a great one to get once your work starts reaching lengths in the thousands of words and organization becomes imperative.

    10. Reedsy Book Editor 

    For the writer who already has a large body of work and is looking to edit it, consider trying Reedsy Book Editor. This platform offers more than just editing. It also has a huge network of freelance editors, designers, and publicists available to help you bring your manuscript up to speed, whether you’re sending it off to a literary agent or self-publishing.

    While you will have to pay for advanced services, you can access the free formatting tools on their website, which allow you to format your manuscript as an epub or PDF, something you’ll need to do before publishing no matter how you choose to do it.

    Beyond these tools, the company also provides a variety of free online mini-courses for writers including a self-publishing course, a marketing course for published writers, and a course to help jumpstart your novel.

    The Final Word

    Writing isn’t easy, but when it comes to everything else — editing, formatting, and even publishing — there’s a free tool that can help. The best part about getting comfortable using these online tools is that you’ll actually become better at your craft by using them.

    Platforms like Medium and Reedsy can help you better understand what it takes to get published, while Draft and FocusWriter may help boost your daily word count. Once you get in a groove, you may find you need these tools less and less, which is one clear way to measure your growth as a new writer.

    Contributor Larissa Runkle specializes in finance, real estate and lifestyle topics. She is a regular contributor to The Penny Hoarder. Contributor Matt Mastasci contributed to this report. 


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    larissa.runkle@gmail.com (Larissa Runkle)

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  • These Are Everyday Items That You Can Recycle for Money

    These Are Everyday Items That You Can Recycle for Money

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    Why toss things in the trash when you can recycle them — and make a little money in return?

    By diverting certain items from the waste stream and keeping them out of landfills, you can also make extra money or help out worthy causes. From scrap metal to ink cartridges, bottle caps to construction materials, you can recycle a huge variety of items in exchange for cash. We’ve also included information on how to recycle items for the sake of good will.

    Businesses should also look at the recycling market for some extra cash. Restaurants can sell used or rancid cooking oil. Old cars and vans can be scrapped for money, as well as large appliances

    Ready to see all the different things you can recycle for money?

    How to Recycle Household Items for Cash

    First, you’ll need to find a recycling center or collection point that is looking for what you want to get rid of. While the goal is to make money, you might settle for a donation — which could be tax deductible — if it means clearing out the garage. The collection center will also let you know how to prepare items to their specifications.

    Find a Collection Point

    To find a recycling center near you, head to Earth911.com and plug in the item you’re looking to recycle along with your location. The site lists collection locations for materials as diverse as antifreeze and ammunition, computers and clothes.

    Prepare Items for Recycling

    Of course, not everything pays, and it’s important to prepare recyclables according to the organization’s specifications. This is especially important if you are recycling hazardous materials. Metal scrappers pay more for clean metal, sometimes almost twice as much.

    Recycling centers may require you to remove bottle caps, rinse and bag bottles in certain increments, or sort and tie together cardboard. Checking the rules before you go will save you time later.

    Be sure to properly bag items that may make a bit of a mess. Even if you thoroughly rinse all your bottles and cans, there might be water and other residue on them, so be sure to transport them in bins or bags to protect the interior of your car.

    If you’re donating a cell phone or other electronic item, be sure to clear your personal information from it, including contact lists, voice mails, text messages, photos, passwords, downloads and anything else that you wouldn’t want random strangers to access. Backup your information on your new phone, your computer or a cloud-based service, then restore your old phone to factory settings before recycling it.

    Items You Can Recycle for Money

    There are a lot of recyclable items around the house (maybe in the garage) that can bring in some money. Depending on where you live, you can get paid to recycle:

    • Scrap metal
    • Bottles and cans
    • Car batteries
    • Ink cartridges
    • Cell phones and other electronics
    • Junk cars
    • Wine corks
    • Cardboard boxes
    • Cooking Oil

    1. Scrap Metal

    Scrap metal is one of the more profitable materials to recycle.

    Copper, steel and aluminum are just a few of the scrap metals that you can recycle for money. Google your local area and “scrap yard” to find a facility that takes whatever metals you have and learn their procedures for drop off.

    Scrap metal prices were rising because of the pandemic caused shipping woes. Some forecasters think prices will start to sink later this year. Now is a good time to get rid of that junk metal.

    Once you have rounded up your metal, find out if it is ferrous or non-ferrous by seeing if a magnet sticks to it. If it does, the metal is ferrous and likely a common metal like steel or iron. These items typically aren’t worth much, but it’s still worthwhile to recycle them. If the magnet does not stick, you likely have copper, aluminum, brass, bronze or stainless steel on your hands. These metals are more valuable.

    Copper is one of the more profitable metals: Copper wire and tubing yields between $2 and $3.40 per pound, depending on the quality and thickness of the wire. Aluminum typically earns between 40 and 70 cents a pound, yellow brass can yield about $1.65 per pound.

    Die-cast metal, which is usually made from zinc, aluminum, and other non-ferrous metals, goes in the 20-to-30-cents-a-pound range, though local prices vary. Zinc is worth more than aluminum.

    2. Bottles and Cans

    One Penny Hoarder writer made $1,500 cashing in soda cans he collected at work. You, too, can make money by rounding up bottles and cans, whether from work, friends and family, at events, or just the recyclables you use at home.

    The World Economic Forum estimates that even though most aluminum is recycled, there’s still seven million tons not recycled every year. That’s a lot of money left on the table.

    California offers 5 cents for most plastic and glass bottles and aluminum cans smaller than 24 ounces, and 10 cents for 24-ounce or larger containers. It’s technically a bottle deposit, but many people don’t bother to collect their refunds, so it’s easy money for bottle and can collectors.

    Michigan has a 10-cents per bottle recycling rate, which has prompted people to illegally smuggle in empty bottles purchased out of state to cash in. (This was even the plot of one Seinfeld episode!) Many states have similar deposit programs, so check what’s available where you live.

    3. Car Batteries

    Advance Auto Parts offers a $10 store gift card to customers who bring in their used car batteries (light-duty truck batteries are also accepted). If the company doesn’t have an outlet near you, call your local auto parts stores to see whether they offer similar deals.

    4. Ink Cartridges

    A number of office supply stores, including Staples and Office Depot accept used ink cartridges for recycling. Staples offers $2 back per cartridge, with a maximum of 20 returns per month, and you have to spend at least $50 on ink or toner within 180 days of recycling.

    Office Depot also gives you $2 back in program rewards for each ink or toner cartridge you recycle, up to 10 cartridges per month. But you must also purchase ink from them the same month. There is no limit on the number of cartridges you can recycle, but you will only receive points on the first 10 per month. You can use your points toward a number of different perks and discounts.

    5. Cell Phones

    Eco-Cell is one of many companies that offers cash for old cell phones and other electronics. The company accepts working or broken phones, tablets, rechargeable batteries, circuit boards and a variety of other electronics. Even if an item is broken or was submerged in water and is unusable, Eco-Cell will accept it in order to divert electronics from landfills and properly dispose of their toxic components and metals.

    Many cell phone providers, including Verizon and AT&T, have trade-in programs where you can receive a voucher, gift card or other reward for turning in your old phone. Amazon Trade-in is another way to earn gift cards.

    A number of charities also accept cell phones, whether to re-purpose or sell and use the funds for a charitable purpose. Cell Phones for Soldiers refurbishes and sells your old phone to active-duty military members and veterans. If a phone is too old or broken, Cell Phones for Soldiers sells it to recyclers who strip it for parts and dispose of its metals responsibly. The proceeds from the sales go to purchase international calling cards for troops and provide emergency financial assistance to veterans.

    Organizations that work with domestic abuse victims also accept used cell phones for their clients for emergency 911 calls.

    And of course, you can always sell your old phone yourself.

    6. Junk Cars

    Your rusted old jalopy? You can recycle it for money. There are companies that pay cash for broken down cars. U-Pull-It has a helpful guide on the best way to scrap your car.

    Junk Car Medics is  another company that will buy your vehicle.  You can sell your car to them online or over the phone. You enter details about your vehicle, such as condition and mileage, and quickly get an offer. If you accept it, you’ll have to provide proof of ownership and a few other details before you get paid. The company says most transactions are same-day, and they take the car away for you.

    7. Wine Corks

    You can let your wine pay a little bit for itself. Sites like Etsy and Ebay and others show listings for used wine corks. Selling on these sites isn’t difficult. When setting prices, keep in mind that the sites charge small fees for both listing and selling items.

    You also want to make sure you know how much it will cost to mail an item so there are no unpleasant surprises during the transaction.

    Got some items to recycle and want to make money from them on Etsy? Here’s a step-by-step guide.

    8. Used Boxes

    Just moved and have a bunch of boxes? Or do you have a slight online shopping addiction and have piles of boxes in the garage? You can resell your boxes through Boxcycle and other similar sites. They take pretty much everything as long as they are still in decent shape and don’t smell.

    9. Electronics

    Old laptops, monitors, tablets, and other electronics can be sold through sites like Decluttr. But wait, there’s more! They also take dvds, cds, books, games, and cell phones. Decluttr has an app you can download to make selling easier.

    A similar site is IWM, which stands for It’s Worth More. It covers similar electronics but also includes camera sales.

    10. Cooking Oil

    Used (or spoiled) cooking oil is used in biofuels, which is a growing market. While an individual household may not use a lot of oil, many restaurants do. Lots of companies will offer to give you containers and pick up your oil. Only a handful promise to pay. GF Commodities services most of the continental US and will pay for oil.

    11. The Rest of Your Unwanted Stuff

    You can “recycle” belongings you no longer want on a variety of apps and platforms and get a little something back for them. ThredUp, Swap, and Poshmark are popular apps where you can sell clothes online.

    ThredUp will send you a free shipping label and apply credits for anything that sells to your own account, but it’s often not a lot of money. Poshmark offers bigger potential payouts, but you have to put in more work to make your items move.

    OfferUp is a second-hand site where you can buy or sell just about anything you no longer use.

    Ziffit is another site for selling CDs, dvds, books, and games.

    Someone has to provide all of those tennis balls to the pups. There are several sites accepting used balls, including Rebouncing and Tennis Ball Recycling.

    If you have a bunch of gift cards that you haven’t (and probably won’t) used, you can sell them online for cash. It won’t be for the full amount of the card, but better than them just sitting in the junk drawer. Cardcash lets you post your card and sell it directly. On the other hand, you post what you have on Clipkard and the site directly makes you an offer.

    Bartering

    Cash is nice, but sometimes trading is better. There are bartering sites for almost anything. Trade for houses, books, clothing and more. Some sites charge a fee for participating or individual transactions.

    Some of the general purpose sites are Swap Thing and Barter Only.

    Donating

    You might hear public radio stations asking you to donate your old vehicles for a tax donation. If you don’t mind doing little detail in your tax return, you can get significant deductions by donating larger, unwanted items.

    Many nonprofits work with companies collecting and selling cars, boats, motorcycles, golf carts, and other vehicles. The vehicle gets picked up and is sold at auction. Once it is sold, you get a notice of the amount sold for your taxes. While it isn’t direct cash, if you need a big deduction one year, this could help.

    Contributor JoEllen Schilke writes on money-saving strategies and lifestyle topics and Kristen Pope is a former Penny Hoarder contributor.




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    joellenschilke@gmail.com (JoEllen Schilke)

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  • Curious about #DryJanuary? This Company Will Pay You $1,000 to Give Up Booze

    Curious about #DryJanuary? This Company Will Pay You $1,000 to Give Up Booze

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    The holidays have gone and the awkward office parties are behind us.

    As we enter 2023, some of us are embracing new habits and leaving behind some of less-than-healthy choices — at least for a month.

    Say hello to #DryJanuary.

    If you’re one of the many who embrace #DryJanuary and have decided to kick dry mouth and late-night-text regret to the curb, then we’ve got an incredible way for you to make some significant cash while you’re at it.

    Tranquini — a company that makes a calming wellness drink — wants to give $1,000 to one Dry January participant for going boozeless for a month.

    “TranQuini wants to show that cutting back on alcohol can be easier than you think and can have lasting benefits. While lots of people turn to a glass of wine after a hard day to help them cope, science says alcohol can take a toll on the body and actually compound stress,” the company said.

    “By encouraging more people to refrain from alcohol for 30 days and swap in non-alcoholic options (like TranQuini!) instead, we’re hoping to find out whether people feel better physically and mentally, and if their perceived stress levels change at all.”

    So What’s the Catch?

    All they want from you is your favorite mocktail recipe.

    Need inspiration? #DryJanuary currently has 130 million views on TikTok, so go get creative.

    If you’re selected, you’ll be asked to share your experience online via a survey — how you felt, how you dealt with temptation and what drinks you chose instead of alcohol.

    You also need to be a U.S. citizen and at least 21 years old to apply.

    Ready to get buzzed off a fresh $1,000? Go apply at TranQuini.

    Robert Bruce is a senior writer for The Penny Hoarder.


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    robert.bruce@thepennyhoarder.com (Robert Bruce)

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  • Curious about #DryJanuary? This Company Will Pay You $1,000 to Give Up Booze

    Curious about #DryJanuary? This Company Will Pay You $1,000 to Give Up Booze

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    The holidays have gone and the awkward office parties are behind us.

    As we enter 2023, some of us are embracing new habits and leaving behind some of less-than-healthy choices — at least for a month.

    Say hello to #DryJanuary.

    If you’re one of the many who embrace #DryJanuary and have decided to kick dry mouth and late-night-text regret to the curb, then we’ve got an incredible way for you to make some significant cash while you’re at it.

    Tranquini — a company that makes a calming wellness drink — wants to give $1,000 to one Dry January participant for going boozeless for a month.

    “TranQuini wants to show that cutting back on alcohol can be easier than you think and can have lasting benefits. While lots of people turn to a glass of wine after a hard day to help them cope, science says alcohol can take a toll on the body and actually compound stress,” the company said.

    “By encouraging more people to refrain from alcohol for 30 days and swap in non-alcoholic options (like TranQuini!) instead, we’re hoping to find out whether people feel better physically and mentally, and if their perceived stress levels change at all.”

    So What’s the Catch?

    All they want from you is your favorite mocktail recipe.

    Need inspiration? #DryJanuary currently has 130 million views on TikTok, so go get creative.

    If you’re selected, you’ll be asked to share your experience online via a survey — how you felt, how you dealt with temptation and what drinks you chose instead of alcohol.

    You also need to be a U.S. citizen and at least 21 years old to apply.

    Ready to get buzzed off a fresh $1,000? Go apply at TranQuini.

    Robert Bruce is a senior writer for The Penny Hoarder.


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    robert.bruce@thepennyhoarder.com (Robert Bruce)

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  • You Could Be $160K Richer If You Won All These Contests

    You Could Be $160K Richer If You Won All These Contests

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    Cash from national contests can help you pay off debt, finance that dream vacation around the world or send you on a shopping spree in style. But you can’t win the money unless you enter the contests. The odds may be tough but it’s easy to enter online. And, someone has to win, right? Why not good people like you?

    The contests listed here represent about $130,000 in cash prizes and that excludes the Publishers Clearing House SuperPrize. The uber lucky person who scores in that contest brings in $5,000 a week for life — not a bad haul for the few minutes it takes to enter.

    The Time to Enter Cash Money Contests Is Now

    Don’t delay in entering contests to win cash — the more you enter, the greater your chances of walking away with a big fat check!.

    1. HGTV Dream Home 2023

    If you’ve ever watched a young couple with an unbelievable budget searching for their new home on HGTV, chances are you’ve heard of the HGTV Dream Home.

    Every year, the home-focused channel builds a breathtaking home using the biggest names in home design, and then gives it away to one lucky winner. This year’s home is a stunning mountain escape in Morrison, Colorado, less than 20 miles southwest of Denver..

    But it’s not just a one-of-a-kind home you could win. The winner of the HGTV Dream Home 2023 sweepstakes will also win $100,000 from Ally and a brand-new Jeep Grand Cherokee. Sounds fantastic, right?

    You can enter up to twice daily — once on HGTV.com and once on FoodNetwork.com. Simply enter your email address, name, home address, date of birth, and cable service provider into the online form and click “enter.” The winner must be at least 21 years old and live in one of the 50 United States or Washington, D.C.

    The 2023 HGTV Dream Home sweepstakes runs through Feb. 16, 2023.

    2. Fingerhut Sweepstakes

    Fingerhut provides credit to help people buy things they need without dealing with large monthly payments or annual fees. And it also holds an annual sweepstake that awards several cash prizes throughout the year.

    Fingerhut gave away a $25,000 cash prize in June and December and a $10,000 prize in October, and for the remainder of the 2022-2023 contest period, the Fingerhut Sweepstakes is giving away another cash prize in 2023. The entry date is April 30, 2023, to win $10,000.

    To get started, go to www.fingerhut.com and enter your email address. If you don’t have a Fingerhut account, you will be asked to provide some basic information like your name, address and birthday. There are four ways to enter.

    1. Place an order with Fingerhut
    2. Use your Fingerhut account to set up scheduled recurring payments through your WebBank/Fingerhut Fetti Credit Account
    3. Use your WebBank/Fingerhut Fetti Credit Account to make on-time monthly payments
    4. Enter by mail with no purchase necessary

    To enter by mail, send your name, address, date of birth, phone number, and email address to 2022-2023 Fingerhut $70K Sweepstakes, P.O. Box 7748, Melville, NY 11775-7748. The email address must be associated with a Fingerhut account for the entry to be valid. The Fingerhut Sweepstakes are open to U.S. residents aged 18 and up.

    3. Publishers Clearing House SuperPrize Event

    Even if you’re not big into sweepstakes, chances are you have heard of Publishers Clearing House. Rather than just mailing you a check, they show up with a gigantic check and make a big spectacle of awarding it to you.

    You might wonder if this is legit; while there are plenty of copycat scammers around, PCH really does give out giant checks to real people just like you.

    The PCH SuperPrize Event is offering a phenomenal prize of $5,000 a week for life. To enter, simply fill out this form and submit. Winners are notified throughout the year.

    In addition to the SuperPrize Event, PCH has several other sweepstakes, so keep checking the website to see how you can enter to win.

    4. Nielsen $10,000 Monthly Sweepstakes

    Nielsen is known for its audience research, but you might not know that the company also sponsors monthly sweepstakes where you can win a whopping $10,000!

    To be eligible to win, you need to sign up for an account with Nielsen and provide information about your household and the devices you use. Then, you’ll need to download an app to your phone or tablet, or some software to your computer (don’t worry, it’s secure). Your info will be reported to Nielsen so they can see what products and services you use, and they can use your data (along with data from thousands of other participants) to improve these products and services.

    In addition to the chance to win $10,000 every month, you can also earn points that translate into a maximum of $60 per year. You can redeem the points for gift cards to stores such as Amazon and Walmart.

    The sweepstakes take place once per month, so get signed up today for the most chances to win!

    5. Walmart August-October Sweepstakes

    From now until Jan. 27, 2023, you can enter the Walmart Q4 sweepstakes for a chance to win one of five $1,000 Walmart gift cards for the grand prize, or one of 750 $100 Walmart gift cards for the first prize. That’s a total of $80,000 up for grabs in Walmart swag (and you can buy pretty much anything there, so it may as well be cash).

    There are a few ways you can enter to win the sweepstakes:

    • Shop at your local Walmart and complete the survey at the bottom of your receipt for one entry.
    • Complete an online survey for another entry.
    • Send a postcard containing your name, address, phone number and date of birth to 2022 Walmart Sweepstakes, PO Box 228, Macedon, NY 14502-0228. Write-in entries must be postmarked by Jan. 27, 2023, and received by Feb. 2, 2023.

    6. Travel Channel’s New Year New Destination $10K Giveaway

    Although the Travel Channel’s New Year New Destination $10K Giveaway is marketed as a vacation sweepstakes, the actual prize is a check for $10,000. Sure, you can spend it on the trip of a lifetime, but you’re not required to; you can spend it on whatever you want!

    You can enter the sweepstakes twice a day — once at TravelChannel.com and once at InvestigationDiscovery.com — by entering your name and email address and answering a travel-related trivia question that changes daily. If you’re not sure of the answer, you can click for a “hint” and be taken to a Travel Channel article where you can find the correct response.

    The sweepstakes runs until Feb. 7, 2023. Entrants must be at least 21 years old and a resident of one of the 50 United States or Washington, D.C.

    7. T-Mobile Tuesdays

    Every Tuesday, T-Mobile gives away prizes as a thank you to its customers. The prizes vary from week to week and often include free cash.

    To enter via the app, you’ll need to be a customer of either T-Mobile, Sprint or Metro by T-Mobile with a qualifying rate plan. If you’re not a customer, you can still participate by entering your phone number on  this website, followed by your name, email and home address.

    If you want to enter for a chance to win cash and other prizes, you’ll need to be 18 or older (that increases to 21 or older if you’re a Puerto Rico resident).

    There are many more sweepstakes available for entry, with new ones added all the time, so it pays to keep on top of them to increase your chances of winning some of that sweet, sweet cash.

    Ohio-based contributor Catherine Hiles writes about finance, cars, pet ownership and parenting for The Penny Hoarder.




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    cat.hiles@gmail.com (Catherine Hiles)

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  • Write an Online Quiz for BuzzFeed and Earn $1,500 If It Goes Viral

    Write an Online Quiz for BuzzFeed and Earn $1,500 If It Goes Viral

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    You’re probably familiar with BuzzFeed’s infamous quizzes and lists, or “listicles.”

    Ah, the quizzes. You’ve got your personality quizzes (Are You a Better Dog or Cat Owner?), your pop culture quizzes (Which Kanye Quote Drives You Crazy?), your movie quizzes (Which Mad Max Character Tugs on Your Heartstrings?) and your science quizzes (What Do You Know About Neutrinos?).

    Maybe you’ve thought to yourself, “I could do that. I could come up with one of those.”

    Well, now’s your chance — and you can get paid for it, too. BuzzFeed just kicked off its Winter 2023 Writers’ Challenge, in which you can earn payouts of up to $1,500 by contributing quizzes and lists to BuzzFeed.

    The more pageviews your quiz gets, the more money you win. The contest started Jan. 1 and runs through Feb. 28.

    To get pageviews (also known as readers), your post will need to be chosen by BuzzFeed’s editors for promotion on the site and on social media. To be chosen, it’ll need to fit BuzzFeed’s “editorial voice” — in other words, your work needs to look and sound like it would appear on BuzzFeed.

    For example, here are some quizzes and listicles written by members of BuzzFeed’s online community that recently got promoted on the site:

    • Which Teen Titans Character Are You?
    • Let’s See Which Fast Food Restaurant Matches Your Personality
    • This Breakfast Sandwich Quiz Will Totally Reveal Which National Park You Should Visit Next
    • These Are Some of the Least Recognizable World Flags — Can You Match Them to Their Home Countries?

    You get the idea.

    If your quiz or list draws 150,000 pageviews, you earn $100. If it gets 250,000 clicks, you earn $300. For 500,000 clicks, you earn $500. And if your post really goes viral and attracts a million readers, you earn $1,500. (Take it from us, getting a million pageviews is tough.)

    But if your quiz tanks, you don’t get anything. Them’s the breaks in this harsh online world.

    BuzzFeed has guides for making quizzes and lists. Oh, and you have to sign up for a BuzzFeed Community account to submit a post.

    So if you’ve ever wanted to be the brains behind a BuzzFeed quiz like “Let’s See How Well You Know These Disney Dogs,” now’s your chance to shine.

    Frequently Asked Questions (FAQ)

    Can I Keep Track of My Pageviews?

    Yes. You can track your stats on a dashboard that you can view when logged in. 

    How Will I Know If I’ve Earned Anything?

    BuzzFeed will contact you at the email address you gave when you signed up for a community account. Pageviews will be counted until March 14. Winners will get their payouts by March 20.

    Can I Submit More Than One Quiz?

    Yes. Any post that doesn’t violate the site’s community rules will be considered.

    What Criteria Is the Website Using to Judge Entries?

    The site typically chooses entries to promote if they check at least one of these boxes:

    • Fits in with trends of what’s performing well on the site 
    • Features originality and cleverness in voice, frame or topic
    • Fills a content gap that the website’s staff isn’t already writing about

    Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.


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    mike@thepennyhoarder.com (Mike Brassfield)

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  • The 8 Best Sites to Get Paid for Taking Surveys and Playing Games Online (Earn up to $896/Month!)

    The 8 Best Sites to Get Paid for Taking Surveys and Playing Games Online (Earn up to $896/Month!)

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    You probably have friends or family that already supplement their income by filling out surveys or winning card games online.

    And we all understand how survey sites work: Businesses are willing to pay for honest feedback from us consumers about what we like and don’t like.

    This is the kind of article you look for when you just want to make sure you’re linking up with a legitimate company that isn’t trying to rip you off or waste your time.

    These are some of the best survey sites and quick-cash games, selected based on their reputation and the amount of money you can realistically earn in a month.

    1. InboxDollars — Add Up to $225/Month to Your Wallet While Watching the News

    You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.

    You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short surveys to choose from every day, which you can fill out while you watch tonight’s broadcast.

    It takes about one minute to sign up, and start getting paid while you watch the news.

    2. Branded Surveys — Get Paid Up to $140/Month Just for Sharing Your Honest Opinion

    Taking three quick surveys a day could earn up to $140 each month. A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners.

    It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.

    Once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.

    It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.

    3. Bingo Cash — You Could Bag $83 For Every Win

    Bingo Cash gives you the chance to play Bingo for real money. The game is based on the classic Bingo format, but with special power-ups you can use to do things like buy more time or dab an extra square.

    You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls. Winning is totally a matter of how you use the powerups you’re given.

    The top three players in a game can win real money — anywhere from $1 to $83. You can also play casually with virtual currency if you want.

    To get started, just download the free app and start playing your first game immediately.

    4. YouGov — Earn Up to $100 this Month By Answering Survey Questions About the News (It’s Anonymous)

    The news is a heated subject these days. It’s hard not to have an opinion on it.

    Good news: A website called YouGov America will pay you up to $100 or more this month just to answer survey questions about politics, the economy and other hot news topics.

    Plus, it’s totally anonymous, so no one will judge you for that hot take.

    When you take a quick survey (some are less than three minutes), you’ll earn points you can exchange for up to $100 in cash or gift cards to places like Walmart and Amazon. Plus, Penny Hoarder readers will get an extra 500 points for registering, and another 1,000 points after completing their first survey.

    It takes just a few minutes to sign up and take your first survey — and you’ll get your points immediately.

    5. Survey Junkie — Get Paid up to $40/Month Just for Sharing Your Opinion

    Yes, there are a bunch of paid survey sites out there, but one of the best we’ve found is Survey Junkie.

    They’ll ask you questions about things like, what kind of laundry detergent you use, or if you prefer Pepsi or Coke. You get points for answering, and many people accumulate enough points to request a check within a few hours. Completing just three surveys a day can earn you as much as $40 a month.

    More than 10 million people already use Survey Junkie, and it has 4.5/5 stars on TrustPilot.

    Give it a try by visiting Survey Junkie and clicking the “Join Now” button. It’s free.

    6. Solitaire Cash — Earn up to $83/Win in This Mobile Game

    Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

    There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

    You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

    Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

    With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

    Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

    To get started, just download the free app and start playing your first game immediately.

    7. Swagbucks — Get Paid $225 for Watching the News

    It’s been a historic year in the news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves a constitutional scholar or a foreign policy expert.

    That might not be the best news for your dinner conversations — but it’s great news for your wallet. You could add up to $225 a month to your pocket by signing up for a free account with Swagbucks. They’ll present you with short surveys to choose from every day, which you can fill out while you watch tonight’s broadcast.

    You just have to answer honestly, and Swagbucks will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $429 million. We talked to one user in Pennsylvania, 52-year-old Carolinda Hendrickson, who earned $1,200 in a year.

    It takes about one minute to sign up, and start getting paid while you watch the news.

    8. Nielsen Consumer Panel — Scan Your Groceries’ Barcodes For Free Gift Cards

    Remember the Nielsen company? The one that’s always tracked TV ratings? Well, now it wants to know what’s in your fridge.

    Once you sign up to be on the Nielsen Consumer Panel, you’ll gain access to the NCPMobile app. (If you don’t have a smartphone, Nielsen will send you a scanner.) As you unload your groceries after your next shopping trip, simply use the app to scan items’ barcodes.

    Nielsen will reward you with points, which you can redeem for free gift cards, electronics (new TV, anyone?) and household items. The longer you stay on the panel, the more opportunities you have to earn.

    Applying to become a panel member is straightforward. You’ll answer some basic questions about you and your household, then Nielsen reviews your application and will contact you when you’re eligible to join.


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    qplummer@thepennyhoarder.com (Quinten Plummer)

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  • January Class Action Settlements Involve T-Mobile, Keurig, Procter & Gamble

    January Class Action Settlements Involve T-Mobile, Keurig, Procter & Gamble

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    Consumers could start their 2023 with cash payments by participating in several settlements with companies such as T-Mobile, Procter & Gamble and more. File a claim by the January settlement deadlines to receive cash payments and other benefits.

    Experian incorrect residential information $22M class action settlement

    Experian agreed to a $22.45 million class action settlement to resolve claims it misreported some consumers as high risk on credit reports.

    The settlement benefits consumers for whom Experian sent a credit report with an inaccurate Fraud Shield Indicator to a third party since Sept. 27, 2017. The settlement also includes consumers who contacted Experian about Fraud Shield Indicators between July 1, 2018, and July 31, 2021.

    According to the class action lawsuit, Experian wrongfully reported some consumers as having non-residential or high-risk addresses. This credit report information allegedly caused some consumers to be denied financing or other opportunities, despite having a residential address.

    To receive a settlement payment, consumers must submit a valid claim form by Jan. 30, 2023.

    Keurig ‘recyclable’ K-Cups false advertising $10M class action settlement

    Keurig agreed to pay $10 million to resolve claims that its K-Cups are not recyclable as promised on product packaging.

    The settlement benefits consumers who purchased “recyclable” K-Cups between June 8, 2016, and Aug. 8, 2022.

    Despite the single-use coffee pods being labeled as recyclable, they are allegedly too small to be recycled at most facilities. Instead of being recycled, the plaintiffs contend, the pods end up in landfills. Consumers say they wouldn’t have purchased the products or paid as much for K-Cups if they knew the coffee pods weren’t recyclable.

    To receive settlement benefits, K-Cup purchasers must submit a valid claim form by Jan. 9, 2023.

    Procter & Gamble benzene aerosol products $8M class action settlement

    Procter & Gamble agreed to an $8 million class action settlement to resolve claims that its aerosolized products containing carcinogenic benzene.

    The settlement benefits consumers who purchased Secret, Old Spice, Pantene, Waterless, Aussie, Herbal Essences or Hair Food aerosol antiperspirant, deodorant, body spray, dry shampoo or dry conditioner products between Nov. 4, 2015, and Dec. 31, 2021.

    Aerosol products under these brands allegedly contain benzene — a known human carcinogen associated with leukemia. Plaintiffs in the class action lawsuit claim that they wouldn’t have purchased Procter & Gamble’s products if they knew they could be exposed to a carcinogen. Consumers also argue the company should have tested its aerosolized products for benzene and other contaminants.

    Consumers must submit a valid claim form by Jan. 26, 2023, to receive settlement payments.

    Adobe Stock

    Smashburger ‘double the beef’ false advertising $5.5M class action settlement

    Smashburger will pay $5.5 million to resolve claims that its Triple Double hamburgers do not contain “double the beef” as advertised.

    The settlement benefits Smashburger customers who purchased Triple Double hamburgers, Bacon Triple Double hamburgers, French Onion Triple Double hamburgers or Pub Triple Double hamburgers between July 1, 2017, and May 31, 2019.

    Smashburger allegedly advertised its Triple Double burgers as containing “double the meat.” Despite these promises, Triple Double burgers did not contain twice the meat as typical burgers, the class action lawsuit contends. Instead, the burgers allegedly contain the same amount of meat as a single patty. Consumers say they overpaid for Triple Double burgers based on false advertising claims.

    The claim deadline for this settlement is Jan. 17, 2023.

    T-Mobile data breach $350M class action settlement

    T-Mobile agreed to a $350 million class action settlement to resolve claims that its negligence caused a 2021 data breach that affected 76 million Americans.

    The settlement benefits consumers whose personal information was compromised in the T-Mobile data breach announced by the company in August 2021.

    A class action lawsuit accused T-Mobile of failing to protect consumer data through reasonable cybersecurity measures. Plaintiffs in the case say T-Mobile is responsible for the fraud, identity theft and financial damages that occurred after hackers stole sensitive information such as Social Security numbers. Affected consumers will allegedly continue to face the risk of future damages resulting from the breach.

    To receive a settlement payment, consumers must submit a valid claim form by Jan. 23, 2023.

    Abbott Laboratories Similac formula false advertising $19.5M class action settlement

    Abbott Laboratories will pay $1.95 million to resolve claims that its Similac infant formula doesn’t make as many servings as promised on product labeling.

    The settlement benefits consumers who purchased certain Similac Advance, Sensitive, Total Comfort and Organic infant formula products between June 24, 2016, and Sept. 22, 2022.

    Similac infant formula products reportedly promise to make a certain number of servings. According to a false advertising class action lawsuit, Abbott Laboratories inflated the total servings on its product packaging to deceive consumers into paying higher prices for its products. Plaintiffs in the case say they wouldn’t have paid as much if they knew the true number of servings each Similac container made.

    The deadline to file a claim for payment with the settlement is Jan. 31, 2023.

    Brut, Sure antiperspirant benzene $3.65M class action settlement

    Idelle Labs agreed to a $3.65 million settlement to resolve claims that it endangered customers with benzene-contaminated antiperspirants.

    The settlement benefits consumers who purchased certain Brut and Sure antiperspirants between Nov. 15, 2015, and Oct. 28, 2022.

    Brut and Sure antiperspirants were recalled in February 2022 due to concerns the products were contaminated with carcinogenic benzene. Consumers in a class action lawsuit against Idelle Labs claim that the contaminated products were adulterated and misbranded, making them illegal under federal and state laws. Plaintiffs in the case also argued that, had they known about the contamination, they would not have purchased the products.

    To receive settlement benefits, consumers must submit a valid claim form by Jan. 12, 2023.

    A magnifying glass is shown taking a closer look at the word Robinhood on a computer. They are in a class action lawsuit due to a data breach.
    Adobe Stock

    Robinhood data breach class action settlement

    Robinhood agreed to pay an unspecified sum to resolve claims that a 2020 data breach caused some customers to have their investment accounts drained by hackers.

    The settlement benefits individuals whose Robinhood accounts were accessed by an unauthorized third party between Jan. 1, 2020, and April 27, 2022. Eligible instances of account fraud must have been identified by Robinhood or reported to the company by customers.

    Following a 2020 data breach, Robinhood investment customers began to experience account takeovers in which hackers allegedly drained accrued funds. According to plaintiffs in a class action lawsuit, Robinhood promised to cover 100% of the losses resulting from this breach after failing to promptly respond to the breach. However, in reality, the investment platform allegedly denied some reimbursement requests without any explanation — leaving customers to shoulder the burden of stolen funds.

    The deadline to file a claim with the settlement is Jan. 17, 2023.

    Auto parts antitrust $3.2M class action settlement

    The fifth round of payments is available from a $1.2 billion auto parts class action settlement with automotive parts manufacturers. This round, totaling over $3.1 million, covers electronic braking systems, hydraulic braking systems and exhaust systems.

    The settlement benefits individuals who purchased or leased an eligible new vehicle between 2002 and 2018 or who paid to replace one or more qualifying vehicle parts.

    Plaintiffs in the antitrust class action lawsuit accused Robert Bosch, Bosal, TRW and other parts manufacturers of conspiring to raise and fix the price of auto parts. As a result of this scheme, consumers were allegedly forced to pay a higher price for replacement parts for their vehicles.

    To receive settlement benefits, drivers must submit a valid claim form by Jan. 7, 2023.

    Barlean’s Organic Oils coconut oil false advertising $1.6M class action lawsuit settlement

    Barlean’s Organic Oils agreed to a $1.6 million class action settlement to resolve claims that its coconut oil is falsely advertised as “healthy.”

    The settlement benefits consumers who purchased Barlean’s Organic Virgin Coconut Oil, Barlean’s Organic Culinary Coconut Oil or Barlean’s Organic Butter Flavored Coconut Oil between Jan. 24, 2015, and Nov. 10, 2022.

    Barlean’s reportedly advertises its coconut oil products as “healthy” and able to support the heart and immune systems.

    According to a class action lawsuit, this is untrue.

    In reality, coconut oil’s high saturated fat content allegedly makes it a health risk. Saturated fat is connected to serious health concerns such as stroke and heart disease.

    The deadline to submit a claim with the settlement is Jan. 19, 2023.


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    tiffany.soga@topclassactions.com (Top Class Actions)

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  • 7 Lies You’re Telling Yourself About Your Finances

    7 Lies You’re Telling Yourself About Your Finances

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    Even if you don’t like to lie, you probably occasionally use the little white variety as a tool to protect other people when the truth would do more harm than good.

    It becomes a serious problem when we make a habit of telling lies — especially when we lie to ourselves. But some of us do it all the time when it comes to our finances.

    We tend to deceive ourselves when there’s a disconnect between where we really are with our finances and where we’d like to be. So we tell ourselves these common lies:

    Lie No. 1: Your Debt Is Under Control

    You don’t always just pay the minimum on your credit card. But if you’re being honest with yourself, those occasional chunk payments aren’t really bringing down your average balance.

    Honestly, if you’re like most of us, you’re treading water.

    And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.

    If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

    The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

    You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all.  Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

    It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

    Lie No. 2: You Keep a Loose Budget in Your Head, and That’s Good Enough

    An integral part of managing your money is creating a budget. Ew, gross. We know. But it’s important to take a good look at what you’re spending and where you can cut back.

    If you’re not sure where to even start, we favor the 50/20/30 budgeting method for its simplicity. Here’s how it works:

    • 50% of your income goes toward essentials.
    • 20% goes toward financial goals.
    • 30% goes toward personal spending.

    The key is to accept you can’t create the perfect budget in an hour. You’ll have to experiment to find what works best for you.

    Lie No. 3: Your Credit Is Good Enough

    You’ve got big plans. Maybe you’ve got your eye on a new car. Or you’re hoping to buy a house in the next few years. Or you’d even like to start your own business. But here’s the thing: No matter what your goals are, you might not realize how much your credit score is standing in your way.

    The good news? A free website called Credit Sesame makes it easy to put your credit score on track to reach your goals. We even talked to one guy, James Cooper, of Atlanta, who used Credit Sesame to raise his credit score nearly 300 points in six months.*** He says they showed him exactly what to do — he was even able to open his first credit card.

    What could adding 300 points to your score mean for your goals? It could easily save you thousands of dollars over the life of a car loan or mortgage.

    Within 90 seconds, Credit Sesame will give you access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

    Make sure your plans don’t get sidelined by bad credit. Sign up for free (it only takes about 90 seconds) and see how much you could improve your score.

    Lie No. 4: You Make Enough Money to Justify Your Spending Habits

    Maybe you spent a little too much last month. But that’s OK. You deserved a little treat, right? And besides, you’ve got a steady income. It’ll all come out in the wash.

    Gut check: You’re probably not earning enough to support your lifestyle. Here’s a solution we like: Make extra spending money by sharing your opinion online.

    It sounds strange, but brands want to hear your opinion. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month.

    A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.

    It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.

    And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.

    They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.

    It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.

    Lie No. 5: You Don’t Waste That Much Time on Your Phone

    Our smartphones are the world’s greatest time-killers. Browse Facebook, Twitter, TikTok or Instagram. Watch a video on YouTube. Play some Minecraft or Roblox.

    Oh, and there’s bingo. We found a free iPhone app called Bingo Cash that lets you play for real money. You could get paid up to $83 per win.

    You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

    But there really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

    The game is based on a classic Bingo format. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls. The top three players in a game can win real money — anywhere from $1 to $83.

    Over on the App Store, it has a 4.7-star rating (out of 5).

    To get started, just download the free app and start playing your first game immediately.

    Lie No. 6: You Can’t Cut Your Bills Any Further

    Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

    Use a website called EverQuote to see all your options at once.

    EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

    Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

    Lie No. 7: You Don’t Have Time for a $300/Month Side Gig

    If you’re like us, your garage probably isn’t doing much of anything at the moment. Maybe you have some tools in there, or maybe it’s home to your boxes of odds and ends, collecting dust.

    But with a website called Neighbor, your extra space — whether it’s a spare room, an empty garage or a parking space — could be earning you an extra $300 a month in totally passive income.

    Neighbor works by connecting people who need storage space with hosts who have the room to spare. The average host makes about $300 a month, but some people have earned up to $50,000 a year just by letting people park on their property.

    It takes less than 10 minutes to get started. Just answer a few questions about your space, take some pictures and set your asking price. Neighbor will recommend a dollar amount based on your location and type of rental, but the final listing is up to you.

    Neighbor even gives you up to $1 million in free protection as a host and offers protection plans for your renters, giving you both peace of mind.

    Neighbor is an easy source of passive income, and it’s easier than most side hustles. It’s free to list your space, and you’ll only be charged a 4.9% processing fee from the profit you make each month, so there’s no risk to you.

    Sign up here and see how much you could earn.

    ***Like Cooper, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.

    Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.


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    qplummer@thepennyhoarder.com (Quinten Plummer)

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  • 10 Things You Must Know if You Are Selling Nana’s Old Dishes

    10 Things You Must Know if You Are Selling Nana’s Old Dishes

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    There’s never been a better time to turn dishes into cash. Same goes for crystal, silver, and those figurines your grandmother loved. It’s not because they are in high demand, but rather because the demand for formal dinnerware decreases each year.

    Unlike other collectibles, Waterford and Wedgwood aren’t gaining value with age.

    Still, some folks, mostly older ones, are looking to complete sets of china and crystal or replace broken pieces. And a smaller number of younger entertainers like to have some vintage pieces in their collection.

    Depending on the pattern, condition and current supply and demand, you can make a few hundred dollars when you sell Nana’s china plates collection. But, unless you have some of the more rare patterns that can fetch $1,000 a plate, don’t expect to get rich. What was sentimentally valuable china to your family may not be worth thousands of dollars.

    You Might Get Lucky and Hit Big

    “The question I hear most often when I give somebody a quote for what we’ll pay is ‘is that for all of it?’ ” said Larry Weitkemper, one of the owners of China Finders in St. Petersburg, Florida. “The demand is less. Prices are down.”

    Someone with a five-piece place setting (dinner, salad and bread plates with cup and saucer) of Wedgwood may get around $40, Lennox about $25 and Mikasa around $20. Resellers and dealers, however, may pay up to $1,000 for a Royal Copenhagen Flora Danica dinner plate, the golden ticket of pre-owned china.

    China Finders, which stocks thousands of pieces of china and crystal in its 4,900-square-foot store, is one of about 50 independent resellers across the country. A decade ago it had 14 employees buying and selling china, crystal and other collectibles. Today, four employees buy in person (by appointment only) then sell on their eBay store. For people on the hunt for rare patterns, an internet search is likely the best way to find valued old dishes.

    Pattern Prices at a Glance from Replacements

    Maker Pattern Item Sale Price*
    Franciscan Desert Rose Dinner plate $39.99
    Fiesta Evergreen 2007 Dinner plate $79.95
    Lenox Poppies on Blue Dinner plate $29.99
    Royal Copenhagen Blue Fluted Plain 9-inch serving bowl $370
    Portmeirion Botanic Garden Crescent salad plate $43.99
    Wedgwood Runnymede Blue Rim soup bowl $89.95
    Herend Chinese Bouquet (rust) Crescent salad plate $60
    Dansk Christianshavn Blue Dinner plate (Portugal) $49.99
    Wedgwood Nantucket Basketweave Accent luncheon plate $159.99
    Noritake Rothschild, Ivory Cup and saucer $23.99

    *These are list prices the public pays to purchase items. Replacements’ payment to sellers depends on supply and demand at the time of transaction and is less than list price.

    How to Sell to Replacements

    Replacements Ltd., in McLeansville, North Carolina, is the largest buyer and seller of previously owned china, crystal and flatware with 450,000 different patterns listed in its database from antique china with floral patterns to highly valuable dessert plates. It stocks new and preowned products in 500,000 square feet of warehouse space.

    Its website offers very clear directions on how to find out what the company will pay for your china, glasswear, silver or other collectibles. If you know your pattern, submit the pattern name and your personal contact information via an electronic form. Replacements will reply with what it’s paying for each piece of a pattern. Depending on the supply it has in the warehouse, it may be buying dinner plates, salt and pepper shakers, butter dishes and bowls in a pattern, for example, but no salad plates, cups and saucers or serving platters.

    So a seller can tell exactly what Replacements will buy. Ship your pieces based on its packing instructions, and in a few weeks, a check arrives in your mailbox.

    Dish Habits of Modern Newlyweds

    Keith Winkler, media relations manager for the 40-year-old company, said while prices fluctuate greatly, fine china and crystal are still popular with a wide range of customers.

    Again, many variables go into placing a value on it.

    “It’s all about whether we stock that pattern or not and how easy it is to find it,” he said. “Some of it is also how popular it was when the pattern was introduced. Was it successful and continues to be sold in stores or was it extremely popular for a 10-year period of time and now it’s gone?”

    He said they are are seeing an increase in business from a younger demographic.

    “A lot of them might have received their grandmother’s set and they are building on that for their bridal registry,” Winkler added.

    Others are looking for their own china. In fact so many couples getting married were registering on Replacements’ website through Myregistry, came to the china dealer five years ago and asked to join forces on gift registries.

    10 Things to Know If You’re Selling Old Dishes

    • Patterns don’t gain value with age
    • Know the patterns that are most valuable
    • Know other popular patterns
    • Demand varies for extra pieces
    • Wine glasses are out, goblets are in
    • Gold trim can kill the sale
    • Shipping is costly
    • Country of origin counts
    • Limitations of Christmas china patterns
    • To eBay or not to eBay those porcelain dishes

    First you need to know if it’s antique and just because it’s old to you, doesn’t mean it’s a legit antique or has a lot of value. Antiques are generally at least 100 years old; newer older items are considered vintage. Look to a professional for help. The market determines the prices so your dream of getting rich off a single item for thousands of dollars is likely just that. Still, there’s money to be had.

    Our vintage china and glassware experts have done their research and here is their best advice for those of us surveying Nana’s china cabinet and trying to get past the floral bouquet in the middle of the plates. These 10 tips can help you find the best value hiding on the shelves.

    1. Patterns Don’t Gain Value With Age

    “We have to buy something people are still using,” Weitkemper said. Now, that doesn’t mean old patterns are necessarily not worth good money as long as they are still popular with current consumers. But they are just not like other collectibles such as coins that gain value as they age.

    2. Know the Patterns That Are Most Valuable

    Herend

    “Most patterns from Herend sell well,” Winkler said.  A platter recently sold for $200 on eBay while a salad plate went for $100. Herend originated in Hungary in 1839 and its pieces are typified by fine floral patterns. The history of the manufacturer and the fine craftsmanship overrules the fact that many younger people don’t want fussy porcelain pieces.

    Royal Copenhagen Blue Fluted

    A cup and saucer recently sold on eBay for $100 and  a salad plate fetched the same price.

    “It’s a very high quality brand and it’s in high demand. It’s made really well,” according to Larry Weitkemper.

    Royal Copenhagen Flora Danica

    This is about the most expensive player in the fine china reselling market. Two salad plates sold on eBay recently for $375 while a pickle dish sold for $500.

    3. Know Other Popular Patterns

    Replacements lists its top selling patterns, which is a good indicator the valuable china is selling well on other sites, with dealers and individually. But that doesn’t mean they will always command top dollar.

    “We may have a piece retailing for $50 but have a 10-year supply on hand  and therefore we may not be purchasing it at all or would offer a nominal amount for the piece,” said Winkler.

    Here are the links for:

    Getty Images

    4. Extra Pieces Vary in Demand

    Butter dishes and salt and pepper sets are more sought after than spoon rests and coffee pots. The current values reflect modern cooking habits, and the selling price and pattern don’t much matter. Many companies have produced these pieces and they can be found online and in antiques shops in abundance.

    “Teapots hold their values better than coffee pots,” said Noah Weitkemper, one of the China Finders partners.

    5. Wine Glasses Are Out, Goblets Are In

    “Wine glasses are going out of style because they are too small in older patterns. (Consumers) use water goblets for wine,” Noah Weitkemper said.

    Even baby boomers are likely to want glasses that can hold a larger pour. These days, a standard wine glass holds about 12 ounces and vintage wine glassware  might be half of that. The green-stemmed German wine glasses used for white wine are a good example of smaller capacity bowls, especially the older vintages.

    6. Gold Trim Can Kill the Sale

    The 20-year-olds and 30-year-olds — heck almost everyone — buying china today want to put their dishes in the microwave or dishwasher. Washing individual pieces by hand isn’t going to fly no matter if the current value is affordable and even if they like the pattern. And reheating ramen in the microwave is standard these days. The dishes have to fit the job, and just being valuable doesn’t cut it.

    “Anything with gold trim can’t go in the dishwasher and it can’t go in the microwave. So they don’t want it,” Larry Weitkemper said. Sorry, Nana. The Noritake vintage china is a no-go even though there’s enough old dishes to serve 12. That’s just more washing.

    7. Shipping Is Costly

    If selling to Replacements, you will pay for packing and shipping your china. That can cancel out or at least heavily cut into whatever profit you expect to make. Consider this if you purchased good-condition china to resell. Always do your research first.

    “A person really needs to consider all of that when they are wanting to sell. it’s going to be so expensive to ship,” Winkler said. “It might be better to donate it.” Do some internet research or head to your local library to look for organizations that take donations of dishes, glassware and other pieces.

    8. Country of Origin Counts

    China and glassware made in America or England is more desirable. China produced after the Civil War often has identifying marks on the back of each piece indicating its country of origin. Bone china made in England usually has a crown stamp on the back. If the pieces are bright in color — lime green or purple even — they are likely not vintage.

    In the table above, you can see how Dansk’s Christianshavn Blue is more valuable if it is manufactured in Portugal than when they are made in Thailand.

    9. Limitations of Christmas China Patterns

    Many manufacturers have lines of Christmas china. It tends to sell well throughout the year, but especially in September and October. Some of the most popular Christmas china patterns are Spode’s Christmas Tree, which was first made in 1928; Lenox’s Holiday holly pattern (beware the gold leaf), and Johnson Brothers’ Merry Christmas, made from 1958 to 1995.

    The Johnson pattern has a cozy Christmas scene on the middle of the plate, complete with a roaring fireplace.

    If you find a set for 12 of any of these patterns, it’s still not likely you’ll bring in thousands of dollars, though a Johnson Merry Christmas dinner plate is fetching about $70 on Replacements. The current value of a dinner plate of Spode’s Christmas Tree with gold trim is about $40. And Lenox’s Holiday holly plate could get nearly $70 through an antique dealer but Replacements had the dinner plate on sale in January 2022 for $40.

    10. To eBay or Not to eBay Those Porcelain Dishes

    If you sell on eBay you may get more money for your china or crystal than selling to an antique dealer who is going to resell your King Louis XV antique furniture or valuable china. Obviously, you are then also the one who has to pack it (or pay someone else to pack it) and ship it so it arrives to the buyer in tip-top shape.

    Customers buying on eBay have the right to refuse the product and ship it back at the seller’s expense if they say it arrived in worse condition than expected.

    China Finders has been burned several times with eBay buyers who say the items they bought arrived chipped.

    “We check it completely for chips when we buy it, when we sell it and when we ship it,” Larry Weitkemper said. But they still have to pay the cost to ship it back and refund the buyer’s money. Several times customers have shipped back different china, and once even a box of rocks instead of what they bought.

    For China Finders, which sells hundreds of items on eBay each month, if a customer falsely claims the products weren’t in good condition once a month, it’s a cost of doing business.

    But if you are selling a whole set of china or box of crystal goblets only once and a customer claims it arrived in poor condition then returns other items, your one shot at profiting off of Nana’s collection is shot.

    Katherine Snow Smith is a freelance editor and reporter living in St. Petersburg, Florida. She’s the author of Rules for the Southern Rulebreaker: Missteps & Lessons Learned. 




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    kvsnowsmith@gmail.com (Katherine Snow Smith)

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  • Welcome to the New Penny Hoarder Community!

    Welcome to the New Penny Hoarder Community!

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    Hey Penny Hoarders! As many of you know, we have a Community site that’s a gathering place for folks to discuss all things money. Through the support of fellow Community members, the site has helped people tackle their debt, increase their credit score and even book a dream vacation.

    We’re excited to announce our Community site just got a makeover – one in which we feel provides a much more user-friendly experience. We wanted to share some things you can expect when you visit the new Community site.

    What to Expect in the New Penny Hoarder Community

    First up, The Penny Hoarder Community is still the place to share tips and find support on all-things money. Besides contributions from other Community members, you’ll also find our staff sharing personal stories on topics like frugal finds, money wins and fails, and more.

    Earn Badges

    So many badges. On the Community site, you can now earn badges for all sorts of things – creating or commenting on a post, or liking someone else’s post. Even just visiting the Community site on a regular basis. Also, the more badges you earn, the more things you’ll unlock on the Community site. Do you have what it takes to be a top contributor? You’ll not only earn the respect of your peers, but also gain access to exclusive opportunities and offers from The Penny Hoarder.

    Events, Feedback and More

    Badges are just the beginning. Throughout 2023, we’ll be adding more new elements to the Community site. We’ll use it as a spot to post and host regular Penny Hoarder events where we dive into pressing money topics together and let attendees connect with experts from The Penny Hoarder (and elsewhere).

    There’s also a new section specifically for feedback where we welcome your suggestions for ways to continue to improve ThePennyHoarder.com, the Community site, our email newsletters and our social media spaces.

    Already a member of The Penny Hoarder Community? Be sure to read our post on logging in to the new site. We hope to see you there!

    Will Simons is a community marketing product manager at The Penny Hoarder. Originally from Omaha, Neb., Will loves to help people get talking about bettering their finances.


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    will.simons@thepennyhoarder.com (Will Simons)

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  • Inflation Is Costing You $433/Month. Here Are 8 Slick Moves to Make It Back

    Inflation Is Costing You $433/Month. Here Are 8 Slick Moves to Make It Back

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    We all know inflation is draining our bank accounts, but have you wondered just how bad it’s gotten? How much more are you spending right now just to stay alive?

    Suddenly we’ve got an answer: $433 a month.

    Yes, the number crunchers at the financial firm Moody’s Analytics figure that the average American household is now spending $433 more per month to buy the same food and gasoline and various goods and services that we were all buying a year ago.

    Four hundred and thirty-three bucks! No wonder we’re all broke. Basically, if you’re living the same life you were living in late 2021, it’s costing you that much more just to break even.

    That’s not sustainable, so everybody’s got to make changes. We got to thinking: What could you do to make up that extra cash you’re parting with each month?

    Below we’ve got a list of eight changes — some big, some small — to make up that difference. Some of them might surprise you. By the end of this article, we’ll have tallied up $433 worth of slick moves to help you balance your books.

    1. Eat Lunch at Costco Twice a Month

    Costco prides itself on its hot dog and soda combo, which still costs just $1.50. The price has stayed the same since 1985.

    For context, the combo — which gets you a jumbo dog and a 20-ounce fountain drink (plus free refills!) for $1.50 — should cost well north of $4 by now, adjusted for inflation.

    Why so cheap? Here’s an explanation from Costco CEO Craig Jelinek: “I came to (Jim Sinegal, co-founder and former CEO of Costco) once and I said, ‘Jim, we can’t sell this hot dog for a buck fifty. We are losing our rear ends.’ And he said, ‘If you raise the effing hot dog, I will kill you. Figure it out.’ ”

    Projected savings: If you’re spending a total of $3 to replace two ordinary restaurant lunches per month, then we’ll say you’re saving $20.

    2. Sell Something on eBay

    Need cash? There are lots of things in your home that you may look at and say “Can I sell that? Probably not.”

    But what if all the “probably not” items could actually have a home? What if even the strangest things — like empty boxes or broken electronics — could earn you a little money?

    We’ve put together a list of 20 of the best things to sell on eBay — some of the most bizarre objects we can dream up to show you that they’ll actually sell.

    Projected earnings: If you set your mind to it, we bet you can make at least $30 every single month this way.

    3. Sell Your Poop

    Looking for an easy side hustle? Every time you poop, you might be flushing money down the toilet. Your poop could save lives and make you some cash in the process.

    It’s true. Some medical companies will pay healthy donors for their stool. Your precious sample is then used for microbiome studies or in treatment of patients with Clostridium difficile, a bacterium that causes infections in the colon.

    The amount you earn with each donation depends on the company. GoodNature offers $25-$75 per visit, up to $1,500 per month. Poop With Purpose pays $50 per donation, up to $1,500 per month. HumanMicrobe pays $500 per stool donation.

    Potential donors must be 18-50 years old, at a normal weight, nonsmokers and with no history of gastrointestinal disease or drug or alcohol abuse.

    Projected earnings: To be honest, $1,500 per month might be a little optimistic. Let’s be conservative and go with $100 instead.

    4. Cancel a Streaming Service

    We’d say “Cut the cord,” but if you’re as broke as we are, you’ve probably already canceled cable. (If you still have cable, though, cut the cord.)

    The problem is, if you’re anything like us, you’re probably subscribing to more than one streaming service. Maybe you’ve even lost track of how many. After all, there’s Netflix, Hulu, Amazon Prime, Disney+, Paramount+, Peacock, HBO Max and Apple TV+, among others.

    Check out our comparison of all the streaming services — costs, type of content, number of available titles and more.

    Projected savings: If you drop a couple of subscriptions (you can get by with fewer), we bet you’ll save at least $20 per month.

    5. Inflation-Proof Your Pantry With a $65 Two-Week Meal Plan for Two

    Buckle up. Now we’re getting serious — and more ambitious.

    Clearly the price of groceries is out of control. Now, if a $33 weekly grocery bill for a couple ($16.50 per person) to afford three square meals a day sounds a little crazy, you’re not wrong. But we did it anyway.

    While you could get by eating ramen and peanut butter sandwiches for a while, scrounging like a college student indefinitely doesn’t have much appeal. Instead, we put together a $65 two-week grocery list of nearly 30 items that’ll net two adults fairly well-rounded meals without skimping too much on the good stuff.

    This two-week grocery spending plan can be stretched to accommodate a family of four simply by doubling up on ingredients — and cost. Or expand this plan to a month if you prefer to track your family’s budget and compile a shopping list on a monthly basis.

    Groceries are a huge part of everyone’s budget, so you should also look for free printable coupons or try our favorite tricks for saving money on groceries.

    Projected savings: Everybody’s got to eat, but there’s more potential for savings at the supermarket than you might think. If you really commit to lowering your grocery bill, we bet you can save in the ballpark of at least $180 a month.

    6. Turn Down the Thermostat

    Here’s something that’ll send a shiver down your spine: Heating your home is going to be noticeably more expensive this winter.

    In fact, Americans are about to see the largest spike in their heating bills in more than a decade. But we’ve got eight tips to help you lower your heating bill. For example, close off unused rooms, insulate your windows (it’s cheap), add a little weather stripping and block out drafts from the bottoms of exterior doors.

    If you take the entire year into account, the cost of cooling, heating and lighting your home is massive. Although it requires a small initial investment, try installing thermal curtains or a programmable thermostat. Or check out these creative energy-saving ways to slash your utility bills.

    Projected savings: We think you can save at least $30 a month on heating and cooling your home.

    7. Look for Cheaper Car Insurance Every 6 Months

    Have you been paying your car insurance bill to the same old company for years and years? You have, haven’t you? In that case, you’re probably paying too much.

    Every six months, when it’s time to renew your policy, take a little time to look around for a better deal.

    If you want, there are any number of apps that’ll happily do this for you. Options include Everquote.

    Or you can just do it yourself. Check out The Penny Hoarder’s guide to the best car insurance companies.

    Projected savings: It’s reasonable to think you can save at least $25 a month this way.

    8. Take a Few Simple Steps to Save on Gas

    Filling up the gas tank can be a thoroughly miserable experience as you watch the counter flip past $40, then $50, and keep on going.

    But you can save money on gas based on where you fill up, how you pay, when you visit the gas station, how you drive and even the condition of your car.

    We’ve compiled 20 smart tips to help you spend less on fuel. Most notably, join a fuel rewards program, use apps like GasBuddy to find the cheapest gas, fill up early in the week when prices tend to be lower — or simply ease off the gas pedal and slow down.

    Projected savings: We’re going to say you’ll save $28 per month on the dot. Why not?

    Make a Habit of Looking for Savings

    There we go! Make these eight changes — some big, some small — and bingo, presto, you’ll achieve $433 per month in savings and extra earnings.

    You don’t have to stop there, either. If any of these strategies aren’t working for you, here are four others to try:

    1. Pick a cheaper grocery store. You might not be shopping for food at the least expensive option. Compare prices, which you can typically find online.
    2. Get a haircut every eight to 10 weeks instead of every six.
    3. Before you shell out for things like furniture or baby gear, check out Buy Nothing groups on platforms like Facebook and Nextdoor to see if one of your neighbors is looking to get rid of something similar.
    4. Get a side gig to boost your income. Here are more than 30 legit ways to make extra money online.

    Way to fight that inflation monster!

    Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.


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    mike@thepennyhoarder.com (Mike Brassfield)

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  • Airlines Got Fined $7M for Cheating Passengers — How to Get Your Money

    Airlines Got Fined $7M for Cheating Passengers — How to Get Your Money

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    Welcome to Sneaky Airways. Don’t enjoy your flight.

    The federal government just fined six airlines a record-breaking $7.25 million for slow-walking refunds they owe to passengers because flights got canceled or delayed. All together, these airlines still owe customers an eye-popping $600 million.

    The past few years have brought extreme turbulence to the airline industry. Since the COVID pandemic started, thousands and thousands of flights have been canceled, lots of them at the last minute.

    If your flight gets canceled or significantly delayed, the airline is supposed to offer you a refund. But they won’t always tell you that. Then they’re supposed to actually follow through and pay you that refund. But it turns out, that doesn’t always happen.

    “When a flight gets canceled, passengers seeking refunds should be paid back promptly,” said U.S. Transportation Secretary Pete Buttigieg, whose department issued the fines. “A flight cancellation is frustrating enough, and you shouldn’t also have to haggle or wait months to get your refund.”

    Trouble is, the rules governing flights and airlines can get complicated, and even frequent fliers don’t necessarily know all of them by heart. So we’re going to break down exactly what rules the airlines are required to follow if your flight is canceled or delayed, or if your flight is overbooked, or if your luggage gets lost.

    We’ll also tell you how to put in a claim if an airline still owes you money.

    Don’t wait until you’re stranded at the airport to know what your rights are.

    Which Airlines Got Fined, and How Do You Get Compensation?

    The U.S. Department of Transportation is fining a half-dozen airlines a total of $7.25 million for what it calls “extreme delays in providing refunds.” The federal agency says it’s getting “a flood of complaints” about unpaid refunds. So far this year, it has dinged airlines for $8.1 million in civil penalties — the most ever.

    The only U.S.-based airline in the bunch is budget carrier Frontier Airlines, which is based in Denver and flies to more than 100 cities. It got tagged with the heftiest fine — $2.2 million — because it still owes $222 million to customers, DOT said. If you didn’t get a refund that you were entitled to, or you have a different complaint about a flight or your experience with an airline, you can file an official complaint with the U.S. Department of Transportation.

    The other five airlines that just got fined are Aeromexico, Air India, Colombian airline Avianca, Israeli carrier El Al, and TAP Portugal. If you’re still getting stiffed by one of them, you can complain to the feds about them too.

    Pro Tip

    Of the 10 largest U.S. airlines, nine now guarantee meals and hotels when an airline issue causes a cancellation or delay. All 10 guarantee free rebooking. The DOT compares their policies here.

    You Don’t Have to Just Accept a Travel Voucher

    Let’s say you’re at the airport and your flight suddenly gets canceled or massively delayed. Bummer.

    (This isn’t happening as much as it was during the height of the pandemic, when disruptive COVID-19 outbreaks were wreaking havoc on flight schedules. But it’s still happening more often than usual, mostly because airlines are struggling to hire enough workers to handle a growing demand for air travel.)

    Anyway, back to the airport. Your flight is canceled. Or it’s pushed back five hours. Arrrghhh. Fuming, you drag your bags to the ticket counter.

    Maybe the ticket agent tells you to sit tight and wait. Or maybe the airline offers you a travel voucher, which you can use to buy another plane ticket at a later date.

    You don’t have to accept that, though. You don’t have to wait for the next flight. You don’t have to take the voucher. You’re legally entitled to an actual refund — a full refund, no funny business, no random fees taken out or anything. Don’t let them tell you otherwise.

    What’s a “significant delay?” There’s no hard and fast rule. Whether you’re entitled to a refund depends on several factors, including the length of the delay and the length of the flight.

    Here’s What Else Airlines Are Required to Do for You

    The DOT is proposing a rule that would require airlines to proactively inform passengers that they have a right to a refund when a flight is canceled or significantly delayed.

    Right now they’re not required to tell you this, so it’s important that you know your rights.

    Here are some other rights you have as an airline passenger:

    If Your Flight Is Overbooked

    Sometimes airlines overbook flights to compensate for no-show passengers. They sell more tickets than there are actual seats.

    If too many passengers show up, they’ll ask for volunteers, offering incentives like vouchers and upgrades. If not enough people volunteer to give up their seats, airlines are forced to bump some passengers against their will.

    If you get bumped against your will, they owe you money. Here’s what you’re owed if you end up arriving at your destination:

    Within an hour of your scheduled time: $0, nada, nothing.

    One to two hours late: Double the price of your ticket, up to $775.

    More than two hours late: Quadruple the price of your ticket, up to $1,550.

    If You Have a Non-Refundable Ticket

    This is important: If you bought what’s called a “non-refundable ticket,” you’re still entitled to a refund if your flight gets canceled or significantly delayed. Because that’s not your fault.

    The only difference between a non-refundable ticket and a refundable ticket is that passengers who purchase fully refundable tickets are entitled to a refund if they just don’t use the ticket, for whatever reason.

    If you have a non-refundable ticket and you miss your flight because you got sick or you were late to the airport, you’re not entitled to a refund. However, many airlines will give you a travel voucher equivalent to the cost of the ticket — as long as you politely explain the problem.

    If You Bought Your Ticket Through a Travel Agent

    Travel agencies, whether they’re online or in a brick-and-mortar building, are required to refund your money if the airline cancels or significantly delays your flight.

    If Your Luggage Gets Lost

    Airlines are required to compensate passengers for lost, delayed or damaged luggage, according to DOT rules.

    Each airline interprets this differently, but in general, expect a stipend of at least $50 per day to spend on necessities like toiletries and clothing. Just be sure to keep your receipts so the airline can reimburse you later.

    If your luggage gets lost permanently, then you’ll need to file a second claim. The airline must compensate you for the value of your luggage, up to $3,800.

    Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.


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    mike@thepennyhoarder.com (Mike Brassfield)

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  • Use Rakuten Double Cash Back Today and Spend Black Friday With Family

    Use Rakuten Double Cash Back Today and Spend Black Friday With Family

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    We all saw this coming years ago. And now, most retailers don’t even pretend their Black Friday flyers were “leaked” early.

    They start telling us about their elusive doorbusters and other deals before the Halloween decorations come down, so that we can finalize our holiday shopping list and route weeks before joining the Black Friday fray.

    There’s nothing wrong with getting your holiday shopping done early, especially if it saves you money. But there’s an easier, less intense way to bag deals as tantalizing as those offered on Black Friday.

    Rakuten is offering some incredible, double cash back deals that you can take advantage of now. So you can spend less money on gifts and more time with the people the gifts are meant for.

    Rakuten’s Best Double Cash Back Deals

    These are some of the best retail and travel deals found on Rakuten. Many of these deals offer double cash back or more. These deals are subject to change, so treat them with the urgency of Black Friday, if these companies have something on your shopping list.

    Retail Offers:

    • The Body Shop: 10% (5%)
    • Nike: 8% (1.5%)
    • Adidas: 8% (2%)
    • Under Armour: 8% (2%)
    • Zales: 6% (3%)
    • GameStop: 5% (2.5%)
    • Zappos: 5% (1%)
    • Shutterfly: 4% (2%)
    • Belk: 4% (2%)
    • P.C. Richard & Son: 4% (2%)
    • Aerie: 4% (2%)
    • Zoro: 4% (2%)
    • Giftcards.com: 3% (1%)

    Travel Offers:

    • Priceline: 5% (4%)
    • Expedia: 10% (3%)
    • Booking.com: 4% (2%)
    • Best Western Hotels & Resorts: 4% (2%)
    • Hertz: 5% (2.5%)
    • Choice Hotels: 6% (3%)

    It gets even better. If you’re a new user, you’ll get a $10 welcome bonus when you sign up for Rakuten.

    Remember: These offers could be replaced at any time, so don’t wait too long if something catches your eye.


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    qplummer@thepennyhoarder.com (Quinten Plummer)

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