Consigning: A Way to Add a Little Extra Money to Your Wallet

How to Make Extra Money in 2021: 150+ Ways to Earn Cash FastNow is a good time to go through your closets and possibly make some decent money at your local consignment store. Unlike a traditional thrift store, consignment shops are usually more upscale in price because they carry a lot of brand name clothing.

If you have items that fit in this category that you are no longer using and are in great shop, it might be worth investing a little time in sorting through your wardrobe. It’s for certain you won’t get extra money with them just hanging there nicely displayed. Here are some things to consider if consigning is something you might try doing.

What items do they take? Some shops will not take clothing from certain stores even though it may be in excellent condition. Contact them to see what brands are included and excluded. See if they have a website that you might get more information from. Be sure to take pictures of your clothes before you take them in.

How are items priced? – Ask the shop how they derive at their pricing. While they want to price it at a cost that would be advantageous to them and potential customers, you want to get something out of the deal too. You’re not under any obligation to give them your clothes just because you take some there. If you’re not comfortable with their pricing policy take them to another consignment shop.

Getting Paid – If one or all of your items sells then what percentage do you make as the consignor? Have this put in writing for clarification purposes and no misunderstanding.

What if items don’t sell? – Inquire as to the length of time that your items can stay at the shop. If there is a limitation (which there usually is) find out what it is. You may suggest that the price be reduced to increase the chance of it selling. Of course you would need to ask what you would receive in that situation.

Donate to thrift store or charity – If all options have been unsuccessful then inquire as to whether they will donate it or will you have to come and retrieve the items yourself.

To increase the chances of your clothing being sold be sure they are freshly cleaned with no stains or missing buttons, zippers or closures. And while you’re at the shop look at items on the racks and see how they are priced. That might give you a better understanding of what you might receive. It could end up be a winning proposition for all parties involved.

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Personal suggestions…

Making Money Without Traditional Employment

How to Earn Money Without a Traditional Job: 150 Apps and Sites for Gig  Culture | TitleMaxCurrent economic conditions have made it difficult to secure summer jobs or any other form of employment. Not being able to secure employment can be very stressful on any person. For those who are willing to do a little extra work, there are a few things you can do that will generate income for you while looking for a summer job or more permanent employment.

Freelance opportunities

There are different ways to generate money online. Many skills like programming, web design and writing just to name a few, are sought by employers, especially during tough economic times. Many companies try to minimize costs during tough times, and would rather hire freelancers instead of those seeking permanent employment.

Another benefit of freelance employment opportunities is the fact many can be performed from the comfort of your home. Most traditional summer jobs require some travelling, and with rising gas prices the savings are well appreciated.

When I was looking for a summer job last year, I started doing research on the different employment opportunities that were available online. Being a writer, I naturally gravitated towards writing jobs. After playing around with freelance writing for a few months, realized I could actually make more money working as a freelancer compared to many summer jobs.

Selling online

Web sites like eBay have made it easy to sell almost anything online. Unable to secure a summer job, I started making extra money selling items online on eBay. Local classifieds, flea markets and pawn shops are good places to look for cheap items.

I once bought a laptop from a pawn shop for $150. The laptop was priced at a low price because the owner had the device protected with a password. Being familiar with the laptop model, I knew it was valued at a much higher price. I jumped at the opportunity and took the laptop to a friend who is excellent with computers.

Within a few hours, the laptop was ready to go. I ended up listing the laptop online a few days later and sold it in a week for $500. About the same amount of money that many typical summer jobs pay weekly. Other items might only make you a few bucks here and there; the point is you should always be on the lookout for money making opportunities, especially when you don’t have a summer job or some other form of employment.

While selling online will not earn you as much money as traditional employment would, you can still make a few hundred bucks selling items online. As long as you’re willing to put in the work, there are many ways you can make money, even if you’re not able to secure traditional summer employment.…

April 16th Is National Find Your Missing Money Day

Start the conversation on April 16, National Advance Care Planning Day –  Trail Daily TimesYou know how good it feels to reach into a pocket and find a $5 bill? You wonder when you left it there and how could you have forgotten about it.

The same thing can happen with savings accounts, rebates/refunds, credit balances, utility deposits, final paychecks, stocks, life insurance payouts, or safe deposit box contents. When the owner has had no contact with these accounts for 3 to 5 years or if the holder is unable to locate the owner, the money gets turned over to the state for safe keeping until the rightful owner claims it.

Did you know that all 50 states and several foreign countries have unclaimed property offices, and they might be holding money, stocks or valuable items for you or your relatives? You won’t find it unless you look for it exactly the way it’s listed.

The National Association of Unclaimed Property Administrators says the state unclaimed property offices are holding $33 billion dollars. The chances are good that you can find money, stocks, or safe deposit box contents that belong to you, a family member, friends, your church, a favorite charity, or your business. Don’t forget to look up deceased relatives too.

That amount doesn’t include $16 billion in savings bonds through the Treasury Department that have stopped earning interest, $197 million in forgotten pensions, $153 million in tax refunds that were returned to the IRS because of a bad address, $200 million for creditors in bankruptcy court and more.

In celebration of National Find Your Missing Money Day on April 16, here are seven things you may not know about unclaimed property:

  • Only a few states pay interest. Most keep the interest they earn off of your money.
  • There is no time limit on claiming unclaimed property (except for Indiana, which keeps unclaimed money after 25 years, and Idaho, which keeps it after only 10 years.)
  • In every state, you can conduct a free online search for missing money, stocks or property the state may be holding for you. It’s free to claim except for Texas, that charges a 1.5 percent handling fee on any single claim over $100.
  • When listings of unclaimed property owners are published in the newspaper, they usually just include the new names that were added since the last publication date. Just because your name isn’t there doesn’t mean you shouldn’t check the state’s unclaimed property website.
  • There are many other places where unclaimed property may be hiding. It could be held by your city, county, state, or the federal government.
  • Money may be held for you in a state you never lived in. How could that happen? The law about turning money over to the state, known as “escheat priority rules,” dictates that the money goes to the state of the owner’s last known address.

However, if the holder of the property does not have your name or address, it gets turned over to the state where the company is incorporated. (Search tip: You can enter “Unknown” under the Last Name on state unclaimed property websites, and it will bring up listings with an address, city and state.)

  • Eventually, states will auction off anything of value from forgotten safe deposit boxes. This means that personal items, such as the lock of a baby’s hair, love letters and photographs, are trashed. The money that is made from the sale will be held for the owner of the box.

Celebrate Find Your Missing Money Day by doing an online search for your own missing money by going here and clicking on any state you’ve ever lived in. Maybe you’ll discover that a relative left you a legacy, or you’ll find other money you didn’t know you had. You’ll never know, unless you look.

There are dozens more tips and places to search can be found in Mary Pitman’s award-winning book, The Little Book of Missing Money: A Quick and Easy Guide to Finding Money that is Rightfully Yours, in paperback and in all e-reader formats.…

KFC’s Boneless Variety Bucket Not Worth the Money

10 KFC MoneySaving tips & tricks

I had just finished working outside and my wife had been at work all day so nobody had a chance to make dinner Saturday. Since it was nearby, we decided to have Kentucky Fried Chicken and give their boneless variety bucket a try.

All I can say is what a waste of money.

The boneless variety bucket comes with three of KFC’s popular entrees, popcorn chicken, chicken strips and honey barbecue wings. We ordered the meal, which comes with two sides. At $15.99, you would think you would get plenty to eat. Unfortunately, that wasn’t the case.

The bucket only has four chicken strips. We have a family of three and that is the most popular item. Needless to say, those were gone within a matter of minutes. The popcorn chicken came in a large size. However, what KFC considers large, the rest of the known world would consider small. So, again, it didn’t last us that long.

The only thing they gave us any real quantity of would have been the barbecue wings (there were 8 in all). Ironically, those are the one thing we didn’t eat any of. My wife started to eat them but thought they tasted disgusting and, since those would normally be her favorite, I didn’t dare try them. They are still sitting in our fridge and will likely go in the garbage.

To be honest, none of the food tasted all that great. I know KFC has made some formula changes over the past few months because of people complaining about how healthy their products are and I think those changes seriously affected the flavor. The only reason I even went there was solely out of convenience and had hoped to get something worthwhile for my money. Unfortunately, that just didn’t happen.

What is really pathetic is the meal comes in their traditional KFC buckets. If the restaurant chain is going to use them, it just seems like it would make more sense to fill the bucket to the rim instead of putting in a small quantity of each item. You have no idea just how disappointed I was when I opened the lid and saw all the wasted space. If it weren’t for the disgusting honey barbecue wings, we would have had no leftovers. And, at that price, I would expect to have something leftover. In fact, we were still hungry after the rest of the food was gone.

I’m so disappointed by the inadequacy; I’m seriously considering never going to KFC again.…

How to Throw Away Your Money, Part 1: Rental Companies

Is Renting a Waste of Money? Maybe Not.Often people go to rental companies to get furniture or appliances for their home. At the time, it seems like a good idea. Low weekly or monthly rates can be attractive for those on a limited income. In the end, you can lose more than you think.

Rental Companies are entities that cater to and in some cases, prey on the lower middle class and working class. High credit card debt or just not having enough money can make it hard for people in these brackets to afford to buy merchandise directly. By introducing new and desirable items, these companies can draw on a market of consumers who otherwise could not afford to own nicer items.

The companies charge what seem to be reasonable rates, until you add it up over the life of your contract. Most times you will pay double and sometimes triple the actual cost of an item. You may also be required to pay for their insurance. The insurance you pay for in case of theft or job loss can cost three to four extra dollars a week, but if you default due to either of these reason you will still have to turn over the item. In that case, why pay for the insurance that never comes into play?

Though if whatever you are renting needs repair, rental companies are very good about offering a replacement until your merchandise is repaired. Factoring this in can help you determine part of the higher cost. If you directly purchase an item, in some cases you may have to pay for repairs out of pocket. Still, if you directly buy something, you never have to worry about being a day or two late with a payment and facing the embarrassment of a rental company van coming to your home to pick up your things. That, plus the staff of the company calling any references you may have supplied at the signing of your contract in an attempt to ‘track you down’.

That being said, occasionally you may find good deals on something you really need. Some rental stores have cash and carry items you can purchase at a reasonable price. I personally found a lovely leather couch and loveseat for $300. I knew it had been previously rented. Having small children made a used item attractive, not wanting my kids to possibly ruin a brand new set.

There are other options to renting. If you already rent, you can return the item and save the payment you would have made each week until you have enough to buy what you want. Chances are, it will take you much less time to save the actual cost of a new item. If you really need the item you’re renting, then try to pay ahead. Pay several payments at once so if you need, you can let a few slide while you save.

One last bit of information I would like to pass on before concluding is this:

In some areas rental companies will tack on a ‘balloon payment’ at the end of your contract. In some states this is illegal and you do not have to pay it to own your merchandise. If this happens to you, refuse to pay and have proof that your state does not allow those types of extra payments.…

Benicia’s State Parks Could Be in Line for More Money After Funding Scandal

In state parks uproar, Benicia keeps its cool -

Benicia’s financially struggling state parks, the only two in Solano County, could be getting a share of tens of millions of dollars found in a recent audit.

The two parks — Benicia Capitol State Historic Park and Benicia State Recreation Area — have continued to operate with reduced hours aided by the city and local volunteers, and local fundraising.

But revelations that state officials in Sacramento had been sitting on millions in unspent funds for years — money that could have been used to keep parks open and properly maintained — has caused outrage in Benicia and other California communities.

The director of the state Department of Parks and Recreation resigned and another official was fired after the irregularities came to light.

No misuses of the unspent funds have been reported, although allegations have been raised against other officials about salary increases from other state funds.

But there is at least $20 million available in the State Parks and Recreation Fund, according to the Vallejo Times-Herald newspaper.

The uncertainty led the California Legislature to impose a two-year freeze on additional state park closures in September.

State officials proposed closing 70 of California’s 280 parks — including the two in Benicia — in 2011 due to budget problems.

During the two-year reprieve, state officials will consider the possibility of local partnerships to keep parks open and maintained, parks department spokeswoman Vicky Waters told the newspaper.

“If we could put together a package which is a partnership with the state, then we might have access to some of the $20 million,” Benicia Mayor Elizabeth Patterson told the newspaper.

“We need to get some of the repairs done,” Patterson said.

In the meantime, Benicia is spending city money to keep the capitol park open on a limited schedule but has withheld other funds it committed to helping keep the recreation area open five days a week, Patterson said.

The two Benicia parks represent milestones in state history, just before and just after California became part of the United States.

The capitol park celebrates the 13 months that Benicia was the capital of California from 1853 to 1854.

The state legislature moved permanently to Sacramento after leaving the small city on the Carquinez Strait and Suisun Bay.

The recreation area is located on acreage purchased by a Benicia pioneer from Mexican Gen. Mariano Vallejo, the wealthy official responsible for selling the land that became Benicia to city founders Robert Semple and Thomas Larkin in 1847.

The nearby city of Vallejo, Solano County’s largest, was named for the Mexican general.

California became part of the United States in 1850.

Nathan Salant is based in San Francisco, California, United States of America, and is an Anchor for Allvoices.…

24 Hour Payday Loans

24 hour cash loans

All 24 hour payday loans are offered by companies that receive and approve applications around the clock every day of the year. They realize that urgent financial situations don’t arise just during business hours. An illness in the family or days off work because of an accident can easily upset the budgets of the most responsible employees.

When you find your last paycheck just won’t stretch until the next one, emergency payday loans can bail you out. If your checking account has sufficient funds to repay small cash loans, you may qualify for funds up to $350 for first-time borrowers, or $500 for those with a good history with the loan company. A positive cash balance in your account assures the company that you can repay the loan, but it also keeps you from having non-sufficient funds (NSF) problems.

 

Repayment of 24 Hour Payday Loans

If you have insufficient funds in your account when the electronic debit tries to collect on 24 hour payday loans, there is a $25 NSF charge. This, of course, just adds to the total amount of your loan, plus the regular fee, plus the annual percentage rate of interest. When you sign the application/loan agreement, there is a schedule of repayment dates agreed upon that coincide with your paydays.

With this schedule, you know exactly when the debit will hit your account for repayment of 24 hour payday loans. If, for instance, you select the option to pay off your loan on a Monday, the loan principal, plus any interest and fees due, will be processed that day, but debited from your checking account on the next day, Tuesday. This way, all interest and fees stop accruing on Monday, even though the money is not actually debited until Tuesday.…

Margin Disclosure Statement

A margin disclosure statement is used to inform an investor of the risks that come with buying on margin. When a person establishes a relationship with a broker he will often have the option of paying outright or borrowing from the broker to purchase securities and other products. If he plans to borrow and qualifies, he can open a margin account. Margin refers to the amount of money an investor must personally provide.

A firm’s disclosure statement should highlight risks, but it should also go into detail about how the firm specifically handles its margin accounts. A client needs to know the amount of interest charged on loans and how that interest is calculated. He should be aware if he is required to maintain an excess margin balance daily or if he has a bit more leeway. The statement should also inform a client if a margin account is required to short sell securities.

 

What to Take from a Margin Disclosure Statement

The margin disclosure statement exists because there truly is great risk involved with buying on margin. Much like gambling, one loss can quickly snowball. If this happens, an investor can find himself in a lot of trouble with a broker. Usually people buy on margin because they see the opportunity to turn a large profit on the market and they need the money or securities to make it happen. Unfortunately, if it does not work out, they can be in debt for quite a bit of cash.

A margin call is a demand from the broker to the investor. When called, the investor must pay a specified amount of money or the equivalent in assets to the firm. Before buying on margin either with a traditional or online service, it is important to read and go over all aspects of the margin disclosure statement.…

Debt Securities

Types of Security - Overview, Examples, How They WorkA debt security is sold to an investor under the stipulation that it will be paid back at the end of a pre-determined time period. Payments on debt securities may or may not involve interest. Debt securities are sold with a fixed amount, called the “par.” However, they are often sold below par. For instance, a seller might unload a security worth $1,000 for $900. The “discount” is used to give more incentive to the investor.

Debt securities can be issued by a corporation or a government agency. The time that a debt is granted for varies. There are some that will be repaid within a day, while there are others that will not be paid for several decades. Like most loans, there are some debt securities that require collateral. However, some will simply be granted based on a person’s good credit.

 

Types of Debt Securities

There are a number of different debt securities available. Corporate and municipal bonds are two of the most popular. A person can also secure U.S. government securities and money market securities.

Most investors fall into one of two categories: short-term or long-term. A short-termer wants to hit things fast and move onto the next trade. A long-term investor, on the other hand, is willing to stick things out through the inevitable ups and downs of the market. Debt securities actually provide something for each type. An investor can generally find debt securities that fit his financial needs and that fit in with his trading style.…

Tips for Making Money on Fiverr.Com

6 easy Fiverr gig ideas to earn money - Save the Student

There is a site out there on the internet that offers almost anyone an opportunity to make five dollars. It’s called fiverr.com and some people are actually making a full-time income from it.

Just about anyone with any kind of skill or talent regardless of the degree can make money on the site. Moneymaking opportunities range from the absurd and crazy to quality business resource tools that could otherwise cost hundreds if not thousands of dollars to purchase.

Recently someone was offering to call someone you know and scream and yell at them saying just about anything you want them to for five dollars. Another person was willing to take a picture holding a sign with text of your choice in hopes of making your significant other jealous.

But there are professional opportunities as well. If you have the talent to write and if you can buy Fiverr reviews, you could post comments or reviews on someone’s blog or website. If you are bilingual, you could write or speak a testimonial for five dollars.

If you have graphic arts skills you could create e-book covers for five dollars.
You can even write to a child posing as the Easter Bunny with a friendly letter and happy wishes for five dollars.

The key here is that there is no limitations to the things that you can offer.
Doing a quick search of the website and scanning several pages will often give you plenty of ideas on what you can offer for five dollars.

To become successful using fiverr.com it’s important to follow a few tips.
Once you set up your offer, take an active part in driving traffic to it.

For example if you own a professional service such as graphic arts and you’re using fiverr.com to attract new customers with a low price point or five dollar trial, you could post a special link on your blog or website to your fiverr.com page.

This is very important because the more views your fiverr.com page gets the higher it will rank on the fiverr site.

If you’re currently using video to market your products or services you could do the same to get exposure about your fiverr.com offer and include a link to your fiverr.com offer page.

The usual methods used in driving traffic on the internet also apply here.
Forum marketing, article marketing and e-mail marketing can all do the trick to drive additional traffic for you.
Don’t forget to include the link to your fiverr.com page in your signature.…