Entertainment http://www.wisebread.com/taxonomy/term/5995/0 en-US 12 Podcasts Bookworms Will Love http://www.wisebread.com/12-podcasts-bookworms-will-love <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-podcasts-bookworms-will-love" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/schoolgirl_with_headphones_and_book_resting_on_bench.jpg" alt="Schoolgirl with headphones and book resting on bench" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I have been known to read while cooking, showering, walking the dog, and on one memorable occasion, at a concert. On more than one occasion when I have been behind the wheel, I have seriously considered whipping a book out at stoplights to continue a story that has gripped me.</p> <p>Unfortunately, even though I have tested the limits of where one can responsibly and comfortably read, you can't read books all the time. And even though audiobooks can scratch the reading itch for many of those instances when it's simply impossible to bury your nose in a book, there can be times when readers need something a little different.</p> <p>There's where reading and book-related podcasts come in. With these podcasts, not only can you listen to people talking about your favorite subject, but you can also get some great suggestions for what to read next and get some new insight into stories, authors, books, and subjects that you hadn't thought of before.</p> <p>If you are looking for your next great book-related listen, consider one of these 12 podcasts for bookworms. (See also: <a href="http://www.wisebread.com/11-great-apps-for-book-lovers?ref=seealso" target="_blank">11 Great Apps for Book Lovers</a>)</p> <h2>1. Book Club Appetizer</h2> <p>This show describes itself as a &quot;snackable podcast to help kick off book club meetings or enhance solo reading.&quot; Each episode of <a href="https://itunes.apple.com/us/podcast/book-club-appetizer/id1059532301?mt=2" target="_blank">Book Club Appetizer</a> focuses on a single title. The hosts, Abbe and Emma from the book blog <a href="http://www.readitforward.com/" target="_blank">Read It Forward</a>, recap the chosen book, talk about some of the big ideas, questions, and details of the story, and then invite the book's author into the studio for an interview and a brief reading from the book.</p> <h2>2. All the Books!</h2> <p><a href="https://bookriot.com/" target="_blank">Book Riot</a> covers all book and literature-related news, reviews, commentary, and advice for diverse readers. The site hosts a number of book-related podcasts that are sure to tickle any reader's fancy.</p> <p><a href="https://bookriot.com/listen/shows/allthebooks/" target="_blank">All the Books!</a> is one of Book Riot's outstanding weekly podcasts. It has recommendations and discussions about the most interesting and exciting new releases for the week. The hosts of <em>All the Books!</em> have a great chemistry and banter and their love of all the books they are reading very clearly shines through. (See also: <a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks?ref=seealso" target="_blank">5 Easiest Ways to Score Free eBooks</a>)</p> <h2>3. Book Riot: The Podcast</h2> <p>Another podcast from Book Riot, this weekly show focuses on what's new and interesting in the world of books and reading. <a href="https://bookriot.com/listen/shows/thepodcast/" target="_blank">Book Riot: The Podcast</a> is where you can go to learn about everything from upcoming movie adaptations of your favorite books to news about major literary awards to reports about the publishing industry.</p> <h2>4. Hey YA</h2> <p>Young adult literature gets the love and elevation it deserves in this brand-new weekly podcast from Book Riot. <a href="https://bookriot.com/listen/shows/heyya/" target="_blank">Hey YA</a> discusses everything from new titles to classic reads in the YA genre, as well as news about film adaptations and opinions about which traditional writers should attempt YA lit.</p> <h2>5. Read or Dead</h2> <p>If you love mystery and thriller novels, the <a href="https://bookriot.com/listen/shows/readordead/" target="_blank">Read or Dead</a> podcast is for you. This twice monthly show from Book Riot includes discussions about mystery and suspense tropes as well as recommendations for future reading.</p> <h2>6. SFF Yeah!</h2> <p>Science fiction and fantasy fans get their own twice monthly podcast with <a href="https://bookriot.com/listen/shows/sffyeah/" target="_blank">SFF Yeah!</a> from Book Riot. This show covers all aspects of the sci-fi and fantasy genres (with some discussions touching on horror), and offers great book recommendations and deep discussions about the genre.</p> <h2>7. KCRW's Bookworm</h2> <p>Michael Silverblatt, host of <a href="http://www.npr.org/podcasts/381444882/k-c-r-w-s-bookworm" target="_blank">Bookworm</a>, was once called <a href="https://www.believermag.com/issues/201006/?read=interview_silverblatt" target="_blank">the best reader in America by Norman Mailer</a>, and listening to this show will help you to read deeply and ask big questions of the books you read. Each week, Silverblatt interviews writers of both fiction and poetry to talk about their work. You can do a deep dive into the archives of this show, since it has been airing for over 20 years.</p> <h2>8. The Myths and Legends Podcast</h2> <p>Human beings have been telling stories for far longer than we've been writing them down. The <a href="https://www.mythpodcast.com/" target="_blank">Myths and Legends Podcast</a> introduces you to stories from myths, legends, and folklore from long ago &mdash; retelling these ancient stories with a modern sensibility and a dash of humor. Listening to this podcast can help you better understand the roots of your favorite tales.</p> <h2>9. The New Yorker: Fiction</h2> <p>In this podcast, host and <em>New Yorker</em> fiction editor Deborah Treisman invites an author with a published story in the <em>New Yorker </em>to choose a piece of fiction from the <em>New Yorker</em> archives to read and discuss. When you tune into the monthly <a href="https://www.newyorker.com/podcast/fiction" target="_blank">New Yorker: Fiction</a> podcast, you get to hear some of the best short stories ever written being discussed by some of today's best writers. (See also: <a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers?ref=seealso" target="_blank">6 Great Side Jobs for Book Lovers</a>)</p> <h2>10. Overdue</h2> <p>Every reader has a stack of books in their &quot;to be read&quot; (TBR) pile that they just haven't gotten around to. <a href="http://overduepodcast.com/" target="_blank">Overdue</a> is the podcast that plunges into all of those older books that you've been meaning to read but just haven't opened yet. Each week, the hosts tackle one book from their backlog of &quot;overdue&quot; books, covering everything from classic literature to best sellers of bygone years to obscure works that you may not have heard of. The podcast posts its upcoming titles so you can read along with the hosts and listen after you have checked the book off your &quot;overdue&quot; list.</p> <h2>11. Smart Podcast, Trashy Books</h2> <p>Romance readers, rejoice! The hilarious writers behind the subversive romance fiction blog <a href="http://smartbitchestrashybooks.com/" target="_blank">Smart B*tches, Trashy Books</a> have a weekly podcast to discuss what's new, what's funny, and what's truly weird about romance novels. <a href="http://smartbitchestrashybooks.com/podcast/" target="_blank">Smart Podcast, Trashy Books</a> offers everything from author interviews to book recommendations to feminist discussion of romance tropes. If you know what a &quot;glittery hoo-ha&quot; is, then this is the podcast for you.</p> <h2>12. What Should I Read Next</h2> <p>Every reader knows the dreaded feeling of falling into a book rut. After finishing a great read, you might feel adrift trying to determine what book you should pick up next. Anne Bogel, host of <a href="https://modernmrsdarcy.com/what-should-i-read-next/" target="_blank">What Should I Read Next</a> and the blogger behind <a href="https://modernmrsdarcy.com/" target="_blank">Modern Mrs. Darcy</a>, interviews a new guest reader with every weekly podcast. Together, they discuss the books the guest loves, the books he or she hates, and what they are reading now. From there, Anne makes three book recommendations for what the guest can read next. Ultimately, every episode will give you some excellent ideas for new books to check out.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F12-podcasts-bookworms-will-love&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F12%2520Podcasts%2520Bookworms%2520Will%2520Love.jpg&amp;description=12%20Podcasts%20Bookworms%20Will%20Love"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/12%20Podcasts%20Bookworms%20Will%20Love.jpg" alt="12 Podcasts Bookworms Will Love" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/12-podcasts-bookworms-will-love">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-fun-podcasts-for-kids-that-parents-love-too">7 Fun Podcasts for Kids (That Parents Love, Too)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-great-apps-for-book-lovers">11 Great Apps for Book Lovers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-netflix-and-hulu-to-play-on-your-tv">How to Get Netflix and Hulu to Play on Your TV</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-to-choose-traditional-books-over-e-books">5 Reasons to Choose Traditional Books Over E-Books</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-cool-jobs-for-book-lovers">17 Cool Jobs for Book Lovers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Technology best books book lovers bookworms free books free podcasts new podcasts podcasts Wed, 08 Nov 2017 08:00:05 +0000 Emily Guy Birken 2049406 at http://www.wisebread.com 7 Podcasts for Foodies http://www.wisebread.com/7-podcasts-for-foodies <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-podcasts-for-foodies" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_woman_listening_music_on_yellow_headphones.jpg" alt="Young woman listening music on yellow headphones" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You love food. You love podcasts. You're not alone! The interwebs are now chock-full of podcasts for hungry listeners. While this list is by no means definitive, these are seven of my go-to podcasts when I need some inspiration in the kitchen. (See also: <a href="http://www.wisebread.com/12-cool-jobs-for-foodies?ref=seealso" target="_blank">12 Cool Jobs for Foodies</a>)</p> <h2>1. The Slow Melt</h2> <p>This chocolaty podcast is for those of us who are continuously fascinated by the versatility of chocolate and our special relationship with the magical ingredient. <a href="https://theslowmelt.com/" target="_blank">The Slow Melt</a> is expertly written and hosted by Simran Sethi, a journalist and former visiting scholar at the University of West Indies' Cocoa Research Centre. (Who knew there was such a wonderland?!) Simran is the author of <a href="http://amzn.to/2yXmtDG" target="_blank">Bread, Wine, Chocolate: The Slow Loss of Foods We Love</a>, named one of the best food books of 2016 by <em>Smithsonian</em>.</p> <h2>2. Gastropod</h2> <p>Like your podcasts served with healthy sides of science and history? So do I, and <a href="https://gastropod.com/" target="_blank">Gastropod</a> delivers exactly that. From the back story of Fluff to the transformation of school lunches, this podcast will leave you with a higher food IQ and greater appreciation of the ever-expanding food landscape after each episode.</p> <h2>3. Go Fork Yourself</h2> <p>Who doesn't love a good food pun? I'm trying to fit as many of them as possible into this story! Don't let the title of this podcast fool you. The hosts of <a href="http://andrewzimmern.com/category/podcasts/" target="_blank">Go Fork Yourself</a> mean business when it comes to food. Andrew Zimmern and Molly Mogren contribute their seemingly endless plates of knowledge on the topics of international food. And they spice things up with interviews with famous chefs and travel experts from diverse backgrounds. (See also: <a href="http://www.wisebread.com/10-new-podcasts-thatll-improve-your-money-mindset?ref=seealso" target="_blank">10 New Podcasts That'll Improve Your Money Mindset</a>)</p> <h2>4. Add Passion and Stir: Big Passion ... Big Ideas</h2> <p>People who are dedicated to food are often just as dedicated to social justice issues such as food equity. <a href="http://addpassionandstir.com/" target="_blank">Add Passion and Stir</a> is the weekly podcast about people who are changing the world. Each week, <a href="https://www.nokidhungry.org/" target="_blank">Share Our Strength</a>'s founder and chairman Billy Shore has a conversation with a guest from the culinary world and an industry thought leader. Together, they craft a thought-provoking discussion about food and its impact on society. Central to our health, environment, educational achievement, sustainability, and overall quality of life, they never run out of unique food-based story ideas.</p> <h2>5. A Taste of the Past</h2> <p>William Faulkner said, &quot;The past isn't dead. It isn't even past.&quot; Recipes of the past are rich in history, giving us a sensory-based time machine that conveys what it was like to live in an earlier time. Host of <a href="http://heritageradionetwork.org/series/a-taste-of-the-past/" target="_blank">A Taste of the Past</a>, Linda Pelaccio, is a real deal food historian and she's got a mountain of knowledge to share with listeners. Hear her and her guests opine on topics such as the role of tea in shaping the modern world, the alchemy of vinegar, and the fierce baking powder wars.</p> <h2>6. Cooking Issues</h2> <p>If innovative ingredients, techniques, and gadgets is your thing, hosts of <a href="http://heritageradionetwork.org/series/cooking-issues/" target="_blank">Cooking Issues</a>, Dave Arnold and Nastassia Lopez are your guides. From pimping out your oven to making gourmet pizza at home to the virtues of liquid nitrogen, Dave and Nastassia have you covered.</p> <h2>7. Gravy</h2> <p>There are a few things that evoke more passion in people than food. It's primal to our identity and our survival. Nowhere is this more true than the American South. <a href="https://www.southernfoodways.org/gravy-format/gravy-podcast/" target="_blank">Gravy</a> is a production from the Southern Foodways Alliance. The Alliance is based at the University of Mississippi's Center for the Study of Southern Culture, and it documents, studies, and explores the diverse food cultures of the constantly changing American South, while also paying tribute to its deep and diverse cultural roots. Its episodes are produced in the spirit of respect and reconciliation. Examine your favorite southern foods through cultural, historical, and social lenses.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-podcasts-for-foodies&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Podcasts%2520for%2520Foodies.jpg&amp;description=7%20Podcasts%20for%20Foodies"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Podcasts%20for%20Foodies.jpg" alt="7 Podcasts for Foodies" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/7-podcasts-for-foodies">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-cool-jobs-for-foodies">12 Cool Jobs for Foodies</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-perfectly-respectable-uses-for-instant-mashed-potatoes">5 Perfectly Respectable Uses for Instant Mashed Potatoes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cheap-fun-and-libations-brewery-and-winery-tours">Cheap Fun and Libations: Brewery and Winery Tours</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/tasty-treats-to-make-with-mulberries">Tasty Treats to Make With Mulberries</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-choose-the-best-streaming-music-service-for-you">How to Choose the Best Streaming Music Service for You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Food and Drink apple music best podcasts Cooking foodie foodies podcasts recipes spotify things to do Mon, 16 Oct 2017 09:00:06 +0000 Christa Avampato 2035905 at http://www.wisebread.com What Artists and Fans Should Know About Tipping Sites Like Patreon http://www.wisebread.com/what-artists-and-fans-should-know-about-tipping-sites-like-patreon <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-artists-and-fans-should-know-about-tipping-sites-like-patreon" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/learning_his_chords_online.jpg" alt="Learning his chords online" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The internet has built an ever-evolving community where budding artists, musicians, and actors can create digital content for the masses to enjoy. We live in the age of YouTube celebrities who earn millions of dollars in income in a single year. It's an arrangement that provides benefits for both the creators and the consumers of the content.</p> <p>However, the YouTube marketplace, in particular, has shifted recently. In 2016, YouTube announced <a href="https://marketingland.com/google-updates-youtube-creator-guidelines-ad-friendly-content-216686" target="_blank">new advertising guidelines</a> that limited what types of content could collect ad revenue. And over the past few years, major brands have chosen to pull their ad content from YouTube to prevent their brands being associated with &quot;incendiary&quot; or controversial content.</p> <p>The end result is that many creators don't earn as much from ad revenue as they used to. That shift has led to a new norm for amateur and professional artists &mdash; fans financially backing the YouTuber's they follow with their own money.</p> <p>Understanding the value of the content, many fans help fund the projects of creators. In order to facilitate that exchange, creators have turned to crowdfunding and tip services like <a href="https://www.patreon.com/" target="_blank">Patreon</a>. It's the digital version of the street performer collecting tips in his busker hat. (See also: <a href="http://www.wisebread.com/6-ways-peer-lending-can-boost-your-wallet?ref=seealso" target="_blank">6 Ways Peer Lending Can Boost Your Wallet</a>)</p> <p>Patreon and similar services provide a platform for content creators to connect with fans and collect tips that have been pledged every month. Patreon is the main tip service that individuals with online side-hustles use. A few alternatives to Patreon are <a href="https://en.liberapay.com/" target="_blank">Liberapay</a>, <a href="https://gratipay.com/" target="_blank">Gratipay</a>, and <a href="https://www.tipeee.com/" target="_blank">Tipeee</a>.</p> <h2>How does Patreon work?</h2> <p>Fans and artists sign up for accounts, which allows fans to easily give artists they enjoy monthly tips. Patreon and other tip services don't own the content. Access to the services doesn't require a contract that prohibits other forms of ad or brand deals.</p> <p>The creator is given an account where they can:</p> <ul> <li> <p>Interact with their fans.</p> </li> <li> <p>Track the growth in pledges over time.</p> </li> <li> <p>Analyze data on their content's performance.</p> </li> <li> <p>Create fan rewards for different levels of support.</p> </li> </ul> <p>Fans are given an account where they can:</p> <ul> <li> <p>Manage their pledges.</p> </li> <li> <p>Interact with creators.</p> </li> <li> <p>Keep track of new content and posts released by the creators they support.</p> </li> </ul> <h2>What's the cost?</h2> <p>Nothing is free. The good news is that neither the fans nor the creators pay a direct yearly or monthly membership fee.</p> <p>Patreon is a business that functions by collecting fees from fan pledges to creators. The amount that Patreon collects from the pledge before it is delivered to the creator is based on how much money in pledges is collected from the fan each month.</p> <p>So, say a fan pledges $10 on Patreon, the creator can expect to receive around $9 (about 90 percent).</p> <p>Where does the other 10 percent go? Patreon keeps 5 percent. On top of that, around 5 percent in transaction fees are removed from the tip.</p> <p>If the pledge comes from a fan that lives in the European Union, creators should also expect to see that a Value Added Tax (VAT) has been removed from the pledge. Due to that fact, an artist located in the EU shouldn't need to pay any additional VAT tax for Patreon income.</p> <h2>Taxes for creators</h2> <p>Professionals that use a tip service should expect to pay taxes on the income. In the U.S., the income is taxed if it's over $600.</p> <p>Don't try to dodge paying the taxes on the tips received. This isn't an under the table tip that you can get away with not paying. Patreon will have all creators fill out either a W9 Form (U.S. residents) or a W-8BEN form (Non-U.S. residents). The income paid out to each creator will be reported to the United States International Revenue Service.</p> <p>Artists in the U.S. who earn more than $20,000 in pledges will receive a 1099-K form at the end of the year. If they don't quite hit that threshold, Patreon will email a report that details their income earned. New U.S.-based creators who make content as a side-gig or a freelance career should keep in mind that they might be required to file their taxes each quarter. (See also: <a href="http://www.wisebread.com/what-freelancers-and-side-giggers-need-to-know-about-income-taxes?ref=seealso" target="_blank">What Freelancers and Side Giggers Need to Know About Income Taxes</a>)</p> <h2>Taxes for nonprofit artists</h2> <p>Creators who are legally recognized as a not-for-profit might not need to pay income tax on the pledges received. They should, at the very least, keep track of all donation pledges received through Patreon and any reward given in return for the donation.</p> <h2>Taxes for fans</h2> <p>Donations made to charitable campaigns by not-for-profit artists are tax-deductible in some countries. In the U.S., in order to file a charitable donation as a tax deduction, the patron needs to deduct the value of a reward or gift received for the donation.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwhat-artists-and-fans-should-know-about-tipping-sites-like-patreon&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhat%2520You%2520Need%2520To%2520Know%2520About%2520Tipping%2520Sites.png&amp;description=What%20Artists%20and%20Fans%20Should%20Know%20About%20Tipping%20Sites%20Like%20Patreon"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/What%20You%20Need%20To%20Know%20About%20Tipping%20Sites.png" alt="What You need To Know About Tipping Sites" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/what-artists-and-fans-should-know-about-tipping-sites-like-patreon">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-awesome-money-making-hobbies">10 Awesome Money-Making Hobbies</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-make-money-on-halloween">15 Ways to Make Money on Halloween</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers">6 Great Side Jobs for Book Lovers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-clever-ways-people-are-making-money-from-pok-mon-go">8 Clever Ways People Are Making Money From Pokémon GO</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Extra Income crowdfunding crowdfunding sites fans patreon starving artists tips YouTube Tue, 03 Oct 2017 08:30:11 +0000 Samantha Stauf 2029865 at http://www.wisebread.com 7 Fun Podcasts for Kids (That Parents Love, Too) http://www.wisebread.com/7-fun-podcasts-for-kids-that-parents-love-too <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-fun-podcasts-for-kids-that-parents-love-too" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/listening_to_some_tunes_with_mom.jpg" alt="Listening to some tunes with mom" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The variety of podcasts seems unlimited these days, and they're not just for adults. They can hold tremendous benefits for your kids by promoting listening skills, giving them a break from illuminated screens, enhancing knowledge, and entertaining them on trips. Here are seven great options for your kids that you'll enjoy with them. (See also: <a href="http://www.wisebread.com/10-new-podcasts-thatll-improve-your-money-mindset?ref=seealso" target="_blank">10 New Podcasts That'll Improve Your Money Mindset</a>)</p> <h2>1. But Why? A Podcast for Curious Kids</h2> <p>Every kid's favorite question is &quot;Why?&quot; and we love them for it. They want to understand every part of the world around them. And you can leverage that natural curiosity with the <a href="http://www.npr.org/podcasts/474377890/but-why-a-podcast-for-curious-kids" target="_blank">But Why?</a> podcast's wide variety of content. Recent episodes include &quot;Where Do Hurricanes Come From?&quot;, &quot;How is Glass Made?&quot;, and &quot;How Do Bees Make Honey and Why Do They Sting?&quot;</p> <h2>2. Wow in the World</h2> <p>Another podcast for curiosity seekers, <a href="http://www.npr.org/podcasts/510321/wow-in-the-world" target="_blank">Wow in the World</a> shares the coolest stories in science and technology explored and told by Guy Raz and Mindy Thomas. They just completed the first season, so you have plenty of content to keep you and your kids occupied until they return for season two.</p> <h2>3. Eleanor Amplified</h2> <p>New to the podcast scene, <a href="http://www.npr.org/podcasts/483123262/the-radio-adventures-of-eleanor-amplified" target="_blank">Eleanor Amplified</a> combines adventure, storytelling, and timely news stories. Eleanor, a clever reporter, takes you along her journey through Hollywood, into haunted mansions, and even down the halls of Congress.</p> <h2>4. Brains On!</h2> <p>If you were a fan of Mr. Wizard growing up, then the <a href="https://www.brainson.org/" target="_blank">Brains On!</a> podcast is perfect for you and your kids. Recent episodes explore why sea turtles live so long and where thunder comes from. Best of all, each episode is hosted by a kid scientist, which may just inspire your little one long after each episode is over.</p> <h2>5. Storynory</h2> <p>Your bedtime story companion, <a href="http://www.storynory.com/" target="_blank">Storynory</a> tells tales new and old that are just right for your kids. From <em>Alice in Wonderland</em> to Aesop's fables and some original stories, too, this podcast will make bedtime something your kids look forward to. It also has children's author interviews as well as music, poetry, and stories from history.</p> <h2>6. Stories Podcast</h2> <p>Like Storynory, the <a href="http://wondery.com/wondery/shows/storiespodcast/" target="_blank">Stories Podcast</a> on Wondery features a new story every week. It's suitable for all ages and specifically focused on stories that are best enjoyed on car trips and during bedtime.</p> <h2>7. Spare the Rock, Spoil the Child</h2> <p>For music lovers and their music-loving kids, <a href="http://sparetherock.com/wordpress/" target="_blank">Spare the Rock, Spoil the Child</a> selects a weekly indie playlist that you and your kids will love. From Quincy Jones to They Might Be Giants to Ella Fitzgerald, this podcast will be music to everyone's ears.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-fun-podcasts-for-kids-that-parents-love-too&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Fun%2520Podcasts%2520for%2520Kids%2520%2528That%2520Parents%2520Love%252C%2520Too%2529.jpg&amp;description=7%20Fun%20Podcasts%20for%20Kids%20(That%20Parents%20Love%2C%20Too)"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Fun%20Podcasts%20for%20Kids%20%28That%20Parents%20Love%2C%20Too%29.jpg" alt="7 Fun Podcasts for Kids (That Parents Love, Too)" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/7-fun-podcasts-for-kids-that-parents-love-too">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-podcasts-bookworms-will-love">12 Podcasts Bookworms Will Love</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-amazing-board-games-you-can-diy">8 Amazing Board Games You Can DIY</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-new-podcasts-thatll-improve-your-money-mindset">10 New Podcasts That&#039;ll Improve Your Money Mindset</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-podcasts-for-foodies">7 Podcasts for Foodies</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-creative-no-mess-activities-for-kids-stuck-at-home">17 Creative, No-Mess Activities for Kids Stuck at Home</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family educational entertainment free entertainment fun activities for kids headphones new podcasts podcasts podcasts for kids Wed, 27 Sep 2017 09:00:06 +0000 Christa Avampato 2026294 at http://www.wisebread.com 15 Ways to Make Money on Halloween http://www.wisebread.com/15-ways-to-make-money-on-halloween <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-ways-to-make-money-on-halloween" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kids_at_halloween.jpg" alt="Kids at halloween" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most people balk at signs of the impending fall holidays because they fear what's coming &mdash; or rather, going: their money. But this year, instead of removing all the bills from your wallet for Halloween this-and-that, stuff it to the gills with fresh cash using these ways to turn October 31 on its paycheck-draining pumpkin head.</p> <h2>1. Attach business cards to trick-or-treaters' candy</h2> <p>Have a business you want to promote? Get in front of a lot of customers this Halloween by attaching your business card to the candy you're handing out. When parents inspect the candy later, they'll find it and hopefully call you. If you own a restaurant or retail store in town or provide a service, try a 10 percent discount instead of a standard business card. You'll build brand awareness among neighbors that may not know about your business, and you'll spend just pennies on new customer acquisition. (Shout-out to my lovely aunt for this idea. Genius.)</p> <h2>2. Rent out your guest space to tourists</h2> <p>If you've been considering whether or not to rent out your home or spare room on Airbnb and other micro-subletting services, use Halloween as a test run. There's usually higher demand around holidays so you'll likely book with relative ease if you keep your accommodations comfortable, clean, and affordable. This is a great way to experience what hosting travelers is like (without committing to it as a full-time job) while pocketing a little extra income. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-make-good-money-from-airbnb?ref=seealso" target="_blank">5 Easy Ways to Make Good Money From Airbnb</a>)</p> <h2>3. Sell old costumes online</h2> <p>If you still have last year's kids' and adult costumes, and you don't plan to wear them again, try getting rid of them locally via Facebook Marketplace, Craigslist, or online selling apps like <a href="https://us.letgo.com/en" target="_blank">Letgo</a>. You'll have the best chance of unloading your unwanted garb with great photos and reasonable prices. Start at about 60 percent off what you paid for the costume originally and haggle from there. (See also: <a href="http://www.wisebread.com/turn-old-clothes-into-money-with-these-4-tools-and-apps?ref=seealso" target="_blank">Turn Old Clothes Into Money With These 4 Tools and Apps</a>)</p> <h2>4. Charge your friends for a sweet fix</h2> <p>You probably won't have much luck at this as an adult, but if you're a high school or college student, tap into your entrepreneurial skills early and peddle Halloween candy for a price. Everyone is in the sweets-eating mood at the end of October, so seize this opportunity to turn your trick-or-treating stash or reduced-priced seasonal candy bags into a profit. Undercut the competition, i.e. vending machines, and you've got a mini-business on your hands.</p> <h2>5. Sit for parents of children or pets</h2> <p>Many adults like to enjoy the Halloween festivities as much as the kids do, so if you know any parents or pet owners, offer your sitting services to allow them to enjoy the parties to which they were invited. There are several popular services that will help you market yourself, like Care.com for child care and Rover.com for pet care. Each will help you build a profile, tap into the local market, and share your services on social media. (See also: <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter?ref=seealso" target="_blank">How to Make $400+ a Week as a Pet Sitter</a>)</p> <h2>6. Drive revelers around in your car</h2> <p>I've been an Uber and Lyft driver for a couple years now, and I can tell you firsthand that there's major demand surrounding Halloween. I've made a few hundred bucks on Halloween night alone, and that's only driving from about 9 p.m. to 2 a.m. Demand, of course, will depend on the area in which you live, but if there's not a lot to do where you are, drive to another, more popular area where you know people will be partying and therefore need a safe ride home. (See also: <a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft?ref=seealso" target="_blank">How to Earn Extra Money Driving for Uber or Lyft</a>)</p> <h2>7. Host a haunted house</h2> <p>A friend of mine told me that his family charged 25 cents for admission to the amateur haunted house they put together in their own home, but this was back in the 1960s. The inflation rate today would be $2.07, and nobody's going to pay that hefty fee to enter your dungeon of terror, but you could probably squeeze out $1-$2 per <em>family</em> if you create an interesting/scary enough attraction.</p> <h2>8. Set up a trick-or-treating yard sale</h2> <p>Have a pile of junk you'd like to sell? Take advantage of the built-in Halloween-night foot traffic by setting up a small yard sale while you're handing out candy. Provide bags for smaller items, and be flexible enough to allow next-day pickup for larger items that chaperones won't want to carry around all night.</p> <h2>9. Offer your face painting or hair and makeup skills</h2> <p>A quick post on social media about your hair and makeup prowess will likely fill up your Halloween weekend schedule. Expand your reach with a post on Craigslist. Everybody wants to look their best for the festivities, and they'll pay a pretty penny for it.</p> <h2>10. Tailor costumes</h2> <p>Holes in costumes may need mending, or someone might need an old costume taken in, and if you're handy with a needle and thread or a sewing machine, you can pocket a few crisp ones for your work.</p> <h2>11. Pick up a seasonal job as a haunted house actor</h2> <p>Enjoy scaring the bejesus out of people? Local haunted houses and corn mazes are hiring actors to spook guests this time of year, as are amusement parks that host seasonal events, like Six Flags' Fright Fest.</p> <h2>12. DJ a Halloween party</h2> <p>Spin &quot;Monster Mash&quot; and other macabre music by DJing Halloween parties. It doesn't have to be a major affair, so look for kids' shindigs, neighborhood parties, and community center events.</p> <h2>13. Make themed baked goods for last-minuters</h2> <p>I have a friend who makes the most incredible, perfectly decorated cookies, for which she's paid top dollar on custom orders. If you're a whiz in the kitchen, offer your baked goods to neighbors for their parties and maybe even pop into your local restaurants and cafes to ask if they might be willing to put your treats in their cases for a cut of the profits. These are the baby steps to a small business.</p> <h2>14. Chaperone children for trick-or-treating</h2> <p>Sort of like baby-sitting; you'll get paid in cash plus a few candy bars. Parents or guardians working late and therefore unable to take their kids trick-or-treating will be interested in this service.</p> <h2>15. Sell water to thirsty parents</h2> <p>Walking children around for hours on end can really take it out of you. Help adults rehydrate by offering bottled water for $1 a pop, or set up a lemonade/Kool-Aid stand to sell small cups of the sweet stuff for 50 cents to a dollar.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F15-ways-to-make-money-on-halloween&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F15%2520Ways%2520to%2520Make%2520Money%2520on%2520Halloween.jpg&amp;description=15%20Ways%20to%20Make%20Money%20on%20Halloween"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/15%20Ways%20to%20Make%20Money%20on%20Halloween.jpg" alt="15 Ways to Make Money on Halloween" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/15-ways-to-make-money-on-halloween">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-make-money-on-thanksgiving">11 Ways to Make Money on Thanksgiving</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-make-800-on-month-on-ebay-selling-used-clothes">How I Make $800 on Month on eBay Selling Used Clothes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-sites-to-find-your-halloween-costume-cheap">13 Sites to Find Your Halloween Costume Cheap</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-spending-too-much-on-halloween-this-year">Are You Spending Too Much on Halloween This Year?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Extra Income Shopping extra cash Halloween Halloween costumes Holidays make money sell your stuff side gig side hustle Mon, 25 Sep 2017 08:30:10 +0000 Mikey Rox 2025392 at http://www.wisebread.com 10 New Podcasts That'll Improve Your Money Mindset http://www.wisebread.com/10-new-podcasts-thatll-improve-your-money-mindset <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-new-podcasts-thatll-improve-your-money-mindset" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/enjoying_great_music.jpg" alt="Enjoying great music" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Podcasts are all the rage right now. We even have podcasts that review and recommend other podcasts! I'm proud to say that I'm a podcast junkie, as is most everyone I know. But did you know that your podcast addiction could actually help you manage your personal finances? Here are 10 that will improve your money mindset.</p> <h2>1. Listen, Money Matters</h2> <p><a href="https://www.listenmoneymatters.com/show/" target="_blank">Listen, Money Matters</a> lives up to the promise of its tagline, &quot;Manage your money like a badass.&quot; If you think personal finance is dull, Andrew Fiebert (a self-professed personal finance nerd) and Thomas Frank (a productivity expert) are here to dispel that myth. They'll help you work smarter so that your money works harder for you. They break down complex terms and host some of the smartest minds in the personal finance field. Topics range from investing to debt reduction, and everything in between.</p> <h2>2. Planet Money</h2> <p>This superb NPR podcast is the gold standard when it comes to personal finance programs. Think breaking financial news meets the nuts and bolts of how our economy actually works told to you by your best friend. At almost 800 episodes, <a href="http://www.npr.org/sections/money/" target="_blank">Planet Money</a> has clearly found the secret recipe to making personal finance fascinating.</p> <h2>3. Stacking Benjamins</h2> <p>Endlessly action-oriented and infinitely original, <a href="https://www.stackingbenjamins.com/listen/" target="_blank">Stacking Benjamins</a> is all about taking personal finance advice and putting it to work for you immediately. With episode titles such as &quot;Where Financial Planning Goes Wrong&quot; and &quot;69 Things That GO BUMP in Your Portfolio,&quot; this podcast is so much more than tips on how to save money. It's actually changing your mind about how you view money and its place in your life.</p> <h2>4. The Money Tree</h2> <p>If investing is an area of personal finance you haven't delved into until now, <a href="http://moneytreepodcast.com/" target="_blank">The Money Tree</a> is the place to grow your knowledge and personal wealth. From choosing the right investments, to making career choices, to answering your questions about pensions and Social Security, the hosts and their guest panelists for each episode will help you invest like the best.</p> <h2>5. Money Box</h2> <p>This gem from the BBC combines the latest personal finance news with brief guides on topics such as compound interest. It also offers societal commentary on topics like the future of retirement. What I like best about <a href="http://www.bbc.co.uk/programmes/b006qjnv" target="_blank">Money Box</a> is that it serves up full episodes plus very short clips that tightly focus on one concept, such as energy savings and the return of the 100 percent mortgage.</p> <h2>6. HerMoney with Jean Chatzky</h2> <p>A personal finance expert, award-winning journalist, and best-selling author, <a href="https://www.jeanchatzky.com/podcast/" target="_blank">Jean Chatzky</a> is masterful at breaking down personal finance advice and combining that advice with what's happening in the lives of women. This mindfulness includes acknowledging finance challenges women face, such as saving for our own retirement while caring for our older loved ones, and providing timely advice based on big calendar events like back-to-school and tax prep time. Though it's geared toward women, this podcast is a winner for male listeners, too.</p> <h2>7. Freakonomics Radio</h2> <p>If you're looking to expand your mind and your thinking around money, <a href="http://freakonomics.com/" target="_blank">Freakonomics Radio</a> is for you. In the tradition of their wildly successful books <em>Freakonomics</em>, <em>SuperFreakonomics</em>, and <em>Think Like a Freak</em>, Steven D. Levitt and Stephen J. Dubner bring together masterful storytelling with human psychology. From supply and demand through the lens of line standing, to explaining the stupidest thing you can do with your money, this highly-provocative, well-researched gem is perfect for intellectually curious listeners.</p> <h2>8. The Dave Ramsey Show</h2> <p><a href="https://www.daveramsey.com/show" target="_blank">Dave Ramsey</a> approaches the management of money from a Zen place &mdash; he wants you to make peace with it so you can focus on doing what you love and spending time with people who matter to you. He recognizes the stress that money can place on your relationships and happiness, and his goal is to help you mitigate that stress with knowledge and a game plan. That perspective and motivation make the content about wealth building, reducing debt, and budgeting easy to digest. His message resonates with a wide listener base &mdash; this year he's celebrating his 25th anniversary on the air.</p> <h2>9. The Dough Roller Money Podcast</h2> <p>Interviews, Q&amp;As, deep dives into individual money topics, and career advice from a financial perspective make <a href="http://www.doughroller.net/thepodcast/" target="_blank">The Dough Roller Money Podcast</a> one of the most well-rounded personal finance podcasts. The variety of content and format has helped Rob Berger and his 14-member team become one of the highest rated personal finance podcasts with 75,000 downloads per month.</p> <h2>10. Money for the Rest of Us</h2> <p>For everyone who needs their personal finance advice beautifully wrapped in a compelling story that has nothing to do with personal finance, <a href="https://moneyfortherestofus.com/episodes/" target="_blank">Money for the Rest of Us</a> is tailor-made for you. You're going to get the knowledge and lessons you need to create a money mindset, but they'll be delivered with such an immersive and entertaining narrative that you won't even realize you're learning. Some of my recent favorite episodes are &quot;Do Homeowner Tax Breaks Cause Homelessness?&quot; and &quot;Is Infrastructure a Good Investment?&quot; Combining personal finance education with social justice and impact gets people to pay attention and take action.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-new-podcasts-thatll-improve-your-money-mindset&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520New%2520Podcasts%2520That%2527ll%2520Improve%2520Your%2520Money%2520Mindset.jpg&amp;description=10%20New%20Podcasts%20That'll%20Improve%20Your%20Money%20Mindset"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20New%20Podcasts%20That%27ll%20Improve%20Your%20Money%20Mindset.jpg" alt="10 New Podcasts That'll Improve Your Money Mindset" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/10-new-podcasts-thatll-improve-your-money-mindset">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-10-money-podcasts-will-help-you-save-tons">These 10 Money Podcasts Will Help You Save Tons</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-money-lessons-we-can-learn-from-jk-rowling">4 Money Lessons We Can Learn From J.K. Rowling</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-money-podcasts">The 5 Best Money Podcasts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/i-am-doing-well-financially-now-what">I Am Doing Well Financially. Now What?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entertainment advice Help insight listening money management money mindset podcasts radio Wed, 20 Sep 2017 08:00:06 +0000 Christa Avampato 2020342 at http://www.wisebread.com Ask the Readers: Do You Have a Season or Annual Pass? http://www.wisebread.com/ask-the-readers-do-you-have-a-season-or-annual-pass <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-do-you-have-a-season-or-annual-pass" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_rollar_coaster_620954976.jpg" alt="Women riding roller coaster with annual pass" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to Tim, Daniel, and Brian for winning this week's contest!</em></p> <p>Many parks, event venues, and popular attractions offer season or annual passes. They cost more upfront, but the best deals will pay for themselves after only a few visits, and they'll often come with other benefits like free parking or discounts on merchandise.</p> <p><strong>Do you have a season or annual pass?</strong> What does the pass offer, and what has been the most valuable feature? Will you renew the pass when it expires?</p> <p>Tell us whether you have a season or annual pass and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win:</p> <ul> <li>Follow us on Twitter</li> <li>Follow our Executive Editor Janet Alvarez on Twitter</li> <li>Tweet about our giveaway for an entry.</li> <li>Visit our Facebook page for an entry.</li> </ul> <p>Use our Rafflecopter widget for your chance to win one of three Amazon Gift Cards:</p> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa318/" rel="nofollow" data-raflid="79857dfa318" data-theme="classic" data-template="" id="rcwidget_me0p0ai7">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, September 18th at 11:59 p.m. Pacific. Winners will be announced after September 18th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook or Twitter.<br /> &nbsp;</li> <li>You must be 18 and U.S. resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us whether you have a season or annual pass and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-do-you-have-a-season-or-annual-pass">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-are-your-best-entertainment-tips-a-chance-to-win-tickets-to-a-broadway-show">Ask the Readers: What are Your Best Entertainment Tips? (A Chance to Win Tickets to a Broadway Show!)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-is-now-the-time-to-shop">Ask the Readers: Is Now the Time to Shop?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-do-gift-cards-make-a-good-gift">Ask the Readers: Do Gift Cards Make a Good Gift?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-whats-in-your-wallet">Ask the Readers: What&#039;s In Your Wallet?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Giveaways annual pass Ask the Readers season pass Tue, 12 Sep 2017 08:30:05 +0000 Ashley Jacobs 2017493 at http://www.wisebread.com How to Choose the Best Streaming Music Service for You http://www.wisebread.com/how-to-choose-the-best-streaming-music-service-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-choose-the-best-streaming-music-service-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_girl_dancing_to_the_music.jpg" alt="Young girl dancing to the music" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;Without music, life would be a mistake,&quot; asserted Friedrich Nietzsche back in the 1800s. To many this quote still holds true today. But when the radio alone doesn't cut it, there are just so many different music streaming services, all offering slightly different exclusive benefits and prices. Here's your guide to help you choose the right one. (See also: <a href="http://www.wisebread.com/buy-or-subscribe-how-to-pay-the-least-for-the-media-you-love-the-most?ref=seealso" target="_blank">Buy or Subscribe: How to Pay the Least for the Media You Love the Most</a>)</p> <h2>1. Amazon Music Unlimited</h2> <p>With a catalog of millions of songs, you're bound to find something that you like at <a href="https://www.amazon.com/gp/dmusic/promotions/AmazonMusicUnlimited" target="_blank">Amazon Music Unlimited</a>. This service allows you curate your own playlists or create stations based on a song or artist.</p> <p>Amazon Music Unlimited provides discounts to Amazon Prime members, college students, and owners of Alexa-enabled devices. If you own an <a href="http://amzn.to/2iFUS6T" target="_blank">Amazon Echo</a>, <a href="http://amzn.to/2iFVn0L" target="_blank">Echo Dot</a>, <a href="http://amzn.to/2gp0d1t" target="_blank">Echo Show</a>, or <a href="http://amzn.to/2vH9vrQ" target="_blank">Amazon Tap</a> device and want to try out the service, ask &quot;Alexa, try Amazon Music Unlimited.&quot; (See also: <a href="http://www.wisebread.com/20-ways-amazons-alexa-can-make-your-life-easier?ref=seealso" target="_blank">20 Ways Amazon's Alexa Can Make Your Life Easier</a>)</p> <h3>Pricing</h3> <ul> <li> <p>Free 30-day trial.</p> </li> <li> <p>Non-Prime members: $9.99 per month or $79 per year for an individual subscription, $14.99 per month for a Family Plan (up to six family members).</p> </li> <li> <p>Prime members: $7.99 per month or $79 per year for an individual subscription, $14.99 per month or $149 per year (two free months) for a Family Plan (up to six family members).</p> </li> <li> <p>Owners of Amazon Echo devices: $3.99 per month per single device.</p> </li> </ul> <p><strong>Note to Prime members:</strong> You already have access to over 2 million songs for ad-free and on-demand listening through Prime Music. (See also: <a href="http://www.wisebread.com/7-amazon-prime-perks-youve-forgotten-to-use?ref=seealso" target="_blank">7 Amazon Prime Perks You've Forgotten to Use</a>)</p> <h2>Apple Music</h2> <p>Competing for the top spot of the most available songs, <a href="https://www.apple.com/apple-music/membership/" target="_blank">Apple Music</a> services offers 40 million songs. And with a bankroll of over $250 billion, the Cupertino giant is able to secure some exclusive contracts with artists. For example, Chance the Rapper's <em>Coloring Book</em> was only available on Apple Music for the first two weeks of release. And you'll get access to on-demand radio-style shows hosted by DJs and artists, such as Pharrell Williams and Beastie Boys' Mike D, and Vampire Weekend's Ezra Koenig.</p> <p>Apple Music integrates your existing iTunes library, including all purchased tracks, uploads to <a href="https://support.apple.com/en-us/HT204146" target="_blank">iTunes Match</a>, and rips from physical CDs. This is a great feature for those who have already made a hefty investment in music through the Apple ecosystem.</p> <p>It's also compatible with vehicles equipped with CarPlay.</p> <h3>Pricing</h3> <ul> <li> <p>Free 90-day trial.</p> </li> <li> <p>Individual plan: $9.99 per month.</p> </li> <li> <p>Student plan: $4.99 per month, verification required and discounted price for up to 48 months.</p> </li> <li> <p>Family plan: $14.99 per month, requires iCloud Family Sharing (up to six people with up to 10 devices for each person).</p> </li> </ul> <h2>Bandcamp</h2> <p>Tired of services pushing mainstream tracks? Try to <a href="https://bandcamp.com/" target="_blank">Bandcamp</a> to uncover indie bands in unique genres. Did you know there were close to over 7,500 albums on Bandcamp tagged under the <em>vaporwave</em> genre in 2016?</p> <p>Bandcamp provides users the chance to directly support new artists. Fans have paid indie artists $236 million using Bandcamp to date. It's also a one-stop shop for artist merch and albums in physical format (cassettes and vinyls are very popular!). Bandcamp allows you to create and customize a page to share your music collection with anybody.</p> <h3>Pricing</h3> <ul> <li> <p>Listening is mostly free as long as the artist provides free access.</p> </li> <li> <p>Once you purchase a song or album, you get unlimited streaming through the Android or iOS app or any browser.</p> </li> <li> <p>Pricing varies greatly per artist, but some artists are willing to let you pay-what-you-want.</p> </li> </ul> <h2>Google Play Music</h2> <p>With over 35 million songs available for streaming, <a href="https://play.google.com/music/listen?u=0#" target="_blank">Google Play Music</a> is another top contender for the most songs online. Google Play Music is free to use, but you're limited to radio stations with ads (think Pandora) and up to 50,000 songs uploaded from your personal music collection without ads. Paid subscription plans get <a href="https://www.youtube.com/red" target="_blank">YouTube Red</a> bundled in, which eliminates ads on all YouTube videos, allows you to listen to music even when using other apps, and listen offline.</p> <h3>Pricing</h3> <ul> <li> <p>Free 30-day trial.</p> </li> <li> <p>Individual plan: $9.99 per month.</p> </li> <li> <p>Family plan: $14.99 per month (up to six people with up to 10 devices for each person).</p> </li> </ul> <h2>iHeartRadio</h2> <p>If you listen to radio, chances are that you have heard a spot asking you to give <a href="https://www.iheart.com/news/welcome-to-iheartradio-6906244/" target="_blank">iHeartRadio</a> a try. So far, over 100 million users have enjoyed iHeartRadio's library of 20 million songs and 800,000 artists.</p> <p>Listen to radio stations from all around the country, such as DC101 for Washington, D.C.'s alternative rock picks and POWER 106 for Los Angeles' freshest hip-hop. Paid plans enable you to save songs from live radio broadcasts to your playlists and instantly replay those songs.</p> <h3>Pricing</h3> <ul> <li> <p>Free 30-day trial.</p> </li> <li> <p>iHeartRadio Plus: $4.99 per month.</p> </li> <li> <p>iHeartRadio All Access: $9.99 per month (All Access plan allows you listen to tracks offline, get unlimited access to songs, and create unlimited playlists).</p> </li> </ul> <h2>Napster</h2> <p>Yes, <a href="http://us.napster.com/pricing" target="_blank">Napster</a> is still around, and it joined forces with Rhapsody to form one global brand across 34 countries. This team-up provides access to over 30 million songs.</p> <p>This service allows Rhapsody members to access all of their playlists, favorites, and libraries. All plans require a subscription. Premier, Family, and Premier +1 include a feature for access to only kid-friendly music.</p> <h3>Pricing</h3> <ul> <li> <p>unRadio plan: free 14-day trial, then $4.99 per month (no ads, up to four stations for offline listening, unlimited skips and replays, and higher quality audio).</p> </li> <li> <p>Premier +1 plan: $14.99 per month (all the features from the Rhapsody Premier plan, plus the ability to stream in two locations with the same location).</p> </li> <li> <p>Premier plan: free 30-day trial, then $9.99 per month.</p> </li> <li> <p>Family plan: starting at $14.99 per month (up to five people).</p> </li> </ul> <h2>Pandora</h2> <p>Besides Napster, this is the way Millennials started listening to music via the web. Nowadays, it boasts a catalog ranging from 30 to 40 million songs.</p> <p>The more you use <a href="https://www.pandora.com/" target="_blank">Pandora</a> by liking and disliking songs, the better the app becomes at churning out personalized music recommendations.</p> <h3>Pricing</h3> <ul> <li> <p>Free with ads.</p> </li> <li> <p>Plus plan: free 30-day trial, then $4.99 per month (no ads, up to four stations for offline listening, unlimited skips and replays, and higher quality audio).</p> </li> <li> <p>Premium plan: free 60-day trial, then $9.99 per month (no ads, unlimited skips and replays, search and play any song, create playlists, download music for offline listening, and even higher quality audio).</p> </li> </ul> <h2>SoundCloud</h2> <p><a href="https://soundcloud.com/go" target="_blank">SoundCloud</a> is another option to explore music from independent artists. Think Myspace without the pink, glittery, animated backgrounds: a streamlined service that lets you listen whatever you want, find out what other users are listening to, and interact with artists and users. Many recording artists, like Drake, for example, post their music here before it hits other streaming services.</p> <h3>Pricing</h3> <ul> <li> <p>Free plan: access to over 120 million tracks with ads.</p> </li> <li> <p>Go plan: free seven-day trial, then $4.99 per month for web or Android app access or $5.99 per month for iOS app (no ads and offline listening).</p> </li> <li> <p>Go+ plan: free 30-day trial, then $9.99 per month for web or Android app access or $5.99 per month for iOS app access (no ads, offline listening, and full access to over 150 million tracks).</p> </li> </ul> <h2>Spotify</h2> <p>Developed in 2006 in Sweden, <a href="https://www.spotify.com/us/premium/" target="_blank">Spotify</a> has become the worldwide standard for music streaming services, allowing its users to browse music in almost any way. You can search by artist, track, album, or record label.</p> <p>Spotify lets you share an artist, album, or track via your Spotify profile, social media apps, email, or text message. Many artists record exclusive sessions (1,465 songs and counting!) for Spotify and anybody can listen to them for free. Fully integrated with PlayStation Music.</p> <h3>Pricing</h3> <ul> <li> <p>Free plans: listen to all tracks but with ads.</p> </li> <li> <p>Premium plan: free 30-day trial, then $9.99 per month (ad-free, unlimited skips, offline listening, and higher quality audio).</p> </li> <li> <p>Student plan: $4.99 per month (same features as Premium, verification required and discounted price for up to 12 months.</p> </li> <li> <p>Family plan: $14.99 per month, requires iCloud Family Sharing (up to six people).</p> </li> <li> <p>PlayStation owners: For PlayStation 3 and higher models, free with ads or Premium plan for just $2.00 for two months, then $9.99 per month.</p> </li> </ul> <h2>Tidal</h2> <p>Co-founder Jay Z dubbed <a href="http://tidal.com/" target="_blank">Tidal</a> as the &quot;first-ever artist owned streaming service.&quot; Other top-tier artists who own Tidal include Alicia Keys, Arcade Fire's Win Butler and Regine Chassagne, Beyoncé, Calvin Harris, Coldplay's Chris Martin, Daft Punk, Damian Marley, deadmau5, Indochine, J. Cole, Jack White, Jason Aldean, Kanye West, Lil Wayne, Madonna, Nicki Minaj, Rihanna, T.I. and Usher.</p> <p>As a member, you'll get access to exclusive content, such as single tracks, video clips, and rereleases from artists who own the streaming service and exclusives that those artists secure. You'll also have the option to stream music using FLAC &mdash; a more robust streaming format than MP3.</p> <h3>Pricing</h3> <ul> <li> <p>Free 30-day trial for all plans.</p> </li> <li> <p>Premium plan: $9.99 per month.</p> </li> <li> <p>HiFi plan: $19.99 per month (High Fidelity sound quality).</p> </li> <li> <p>Family Premium plan: $14.99 per month.</p> </li> <li> <p>Family HiFi plan: $29.99 per month (up to five people).</p> </li> <li> <p>Student Premium plan: $4.99 per month.</p> </li> <li> <p>Student HiFi plan: $9.99 per month.</p> </li> <li> <p>Military Premium plan: $5.99 per month.</p> </li> <li> <p>Military HiFi plan: $11.99 per month.</p> </li> </ul> <p><strong>Note</strong>: Some plans offer a discount when you prepay for six months. For example, the Premium plan drops to $8.49 per month.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-choose-the-best-streaming-music-service-for-you&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Choose%2520the%2520Best%2520Streaming%2520Music%2520Service%2520for%2520You.jpg&amp;description=How%20to%20Choose%20the%20Best%20Streaming%20Music%20Service%20for%20You"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Choose%20the%20Best%20Streaming%20Music%20Service%20for%20You.jpg" alt="How to Choose the Best Streaming Music Service for You" width="250" height="374" /></p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/how-to-choose-the-best-streaming-music-service-for-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-podcasts-for-foodies">7 Podcasts for Foodies</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-subscription-services-every-traveler-needs">3 Subscription Services Every Traveler Needs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-a-breakdown-of-concert-ticket-prices">How Much?! A Breakdown of Concert Ticket Prices</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-online-services-are-worth-paying-for">Which Online Services Are Worth Paying For?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/new-ways-to-listen-to-music-for-free-or-cheap">New Ways to Listen to Music for Free or Cheap</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment amazon music apple music bandcamp google play monthly subscriptions music playlists spotify tidal Thu, 31 Aug 2017 08:30:11 +0000 Damian Davila 2012630 at http://www.wisebread.com What Fantasy Football Teaches Us About Personal Finance http://www.wisebread.com/what-fantasy-football-teaches-us-about-personal-finance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-fantasy-football-teaches-us-about-personal-finance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/american_football_player_is_celebrating.jpg" alt="American football player is celebrating" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's football season, meaning that you may be among the tens of millions of fantasy football fans glued to their screens each Sunday urging players to rack up points.</p> <p>Fantasy football is a blast, but it also has a lot in common with personal finance. Both things require a lot of knowledge and research to do well. Both require planning and patience. And there's also some luck.</p> <p>Let's take a look at all of the things fantasy football can teach us about personal finance. (See also: <a href="http://www.wisebread.com/9-things-football-teaches-us-about-money?ref=seealso" target="_blank">9 Things Football Teaches Us About Money</a>)</p> <h2>Have a strategy and know when to adjust</h2> <p>When preparing for a fantasy football draft, it helps to start by understanding how you want to construct your team. Will you be relying on a great quarterback and solid run game? Or do you want great wideouts and a staunch defense? Having your strategy mapped out in advance can help you make the right picks. Of course, you may not always get the players you want, so you will have to know when it's wise to change your strategy.</p> <p>Personal finance planning also requires a strategy. It's important to map out your financial goals and outline how you plan to achieve them. If you are investing, decide how you want to construct your portfolio based on your age and the amount you want to save. From there, you can make sensible choices about the investments that are right for you.</p> <h2>Superstars can help</h2> <p>Every fantasy football manager hopes to make a run at the championship with the help of one or two star players. They want a quarterback who can consistently throw for 350 yards and three touchdowns each week, and a running back who can repeatedly run for 100 yards and two scores. These stars can help cover other deficiencies on the team.</p> <p>The same can be true for investing, if you are lucky. We all dream of a portfolio filled with super stocks that outperform the markets year after year and bring consistent, positive returns. Finding these star investments is easier said than done, but if you can grab a few, you'll be in great shape &mdash; and the rest of your investments can get away with being less than stellar.</p> <h2>You can get by without a superstar</h2> <p>So what if your fantasy football team lacks a superstar? That doesn't mean you can't win. As long as you are getting solid production at every position, you can field a very competitive team. It's a little trickier without a superstar, because you can't get away with making as many bad picks. But many of the best fantasy football teams have been comprised of solid contributors across the board rather than a few top names.</p> <p>When investing, it's important to consider this approach. Look to build a portfolio of stocks, bonds, and other investments that are solid performers, without worrying too much about whether you've got one investment that will go gangbusters. An all-around mix of above average investments can easily get you on the path to financial freedom.</p> <h2>Seek substance over flash</h2> <p>There are some fantasy football players that get treated like shiny objects that everyone must have. But sometimes their reputation isn't backed up by their performance. You may find this is the case with many investments, as well.</p> <p>Are you drawn to buying shares of a company because there's a lot of buzz around it? Or have you taken the time to analyze earnings reports and balance sheets, check price-to-earnings ratios, and determine whether a company makes for a good investment? In both investing and fantasy football, it's important to let objective information guide your decisions.</p> <h2>Understand risk and reward</h2> <p>You may have your eye on a top quarterback who has been known to put up some big numbers, but he had back surgery in the offseason. You'd hate to miss out on his production if he has a great year, but what if you select him and he ends up on injured reserve? When selecting a fantasy football team, it's important to understand the possible risks in every pick, as well as the potential upside.</p> <p>These are concepts worth understanding when it comes to investing, as well. Some investments, such as stocks, offer the potential for great returns, but come with risk. Other investments are safer, but you may limit how much you can potentially earn. When assessing risk and reward, it's important to understand your own risk tolerances and your own goals before making a decision.</p> <h2>Do your homework</h2> <p>It's hard to achieve success in fantasy football if you don't know anything about the game. Sure, you may get lucky with a few picks, but to build a championship season, you need to study the players, read up on matchups, and read the independent analysis.</p> <p>The same is true for investing and other parts of personal finance. It's not wise to buy a mutual fund without studying its historical performance, its holdings, and its expense ratios. You should never get a mortgage loan or finance a car without understanding interest rates. &quot;Just winging it&quot; might work once in awhile, but it is generally bad as a strategy.</p> <h2>There aren't many secrets</h2> <p>Not too long ago, it was hard to get detailed information about football players until you read box scores in the morning paper. Projections were listed in large, printed volumes that were often outdated by the time the season started. Nowadays, there is a mind-boggling amount of up-to-date football information available at our fingertips.</p> <p>This is also true for data on anything related to personal finance, from investments and the financial markets, to interest rates, to the pricing of products. This abundance of available information means that there's no excuse for being unprepared. But it also means that it's trickier than ever to get an edge.</p> <h2>Pay attention, be ready to pounce</h2> <p>A large part of success in fantasy football is following games closely and understanding which players may be poised for a big game. This may mean jumping at a chance to pick up a team's backup quarterback right after their starter got hurt. It may mean picking up an unknown running back right after he broke out for an unexpected big game.</p> <p>In personal finance, it's equally important to have your eyes open and be prepared to act. It might mean locking in a loan when interest rates drop to historic lows. It may mean buying a stock right after news of a big jump in earnings. Or perhaps it's simply reading the local circulars for sales and taking advantage of great bargains at the grocery store.</p> <h2>Look for value</h2> <p>One of the keys to any successful fantasy football campaign is finding that late-round draft pick that turns into a stud. It may be a player that other competitors overlooked in favor of more high-profile names. Maybe it's the backup quarterback who turns into a starter and has a great year. These undervalued players often become the difference between good and great.</p> <p>When investing, it's also important to look for value. Find stocks and funds that are underpriced based on their underlying financials. Look to invest in companies that fell out of favor due to bad publicity but still have strong operations. It's easy to go after the hot name, but real wealth building comes from finding the diamonds in the rough.</p> <h2>Be patient and don't panic</h2> <p>Your fantasy football team came out of the gate slow and you've found yourself a few games behind early in the season. Your quarterback is off to a lousy start and your running backs can't find the end zone. You could blow up your team and try to make it with some different players, but it's often best to wait and see if your team turns things around.</p> <p>When investing and saving, it's helpful to follow the same principals. Wealth is hard to acquire quickly, and it's best to have a disciplined approach of consistently setting aside as much money as you can. It's also good to have faith in the markets, which generally go up over time. This is not to say you should never sell a bad stock or occasionally adjust your investing portfolio. But making frequent changes based on single events or your own emotions is not the key to victory.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwhat-fantasy-football-teaches-us-about-personal-finance&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhat%2520Fantasy%2520Football%2520Teaches%2520Us%2520About%2520Personal%2520Finance.jpg&amp;description=What%20Fantasy%20Football%20Teaches%20Us%20About%20Personal%20Finance"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/What%20Fantasy%20Football%20Teaches%20Us%20About%20Personal%20Finance.jpg" alt="What Fantasy Football Teaches Us About Personal Finance" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/what-fantasy-football-teaches-us-about-personal-finance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-things-football-teaches-us-about-money">9 Things Football Teaches Us About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-best-money-management-tips-from-john-oliver">7 Best Money Management Tips From John Oliver</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-lessons-we-can-learn-from-beyonc">7 Money Lessons We Can Learn From Beyoncé</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-lessons-we-can-learn-from-jay-z">7 Money Lessons We Can Learn From Jay-Z</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-frugal-colonizers-guide-to-getting-to-mars">The Frugal Colonizer&#039;s Guide to Getting to Mars</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entertainment fantasy football football investing lessons NFL players quarterbacks touchdowns Mon, 28 Aug 2017 08:00:05 +0000 Tim Lemke 2009242 at http://www.wisebread.com 17 Creative, No-Mess Activities for Kids Stuck at Home http://www.wisebread.com/17-creative-no-mess-activities-for-kids-stuck-at-home <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/17-creative-no-mess-activities-for-kids-stuck-at-home" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_paint_mess_498734754.jpg" alt="Girl doing creative, no-mess activities at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Maybe you have a kid stuck at home because they're not old enough for school yet, or maybe they're home with a cold, or it's a snow day. It doesn't matter. This list is jam-packed with ideas to keep them occupied and fully entertained all day long, without a huge, sticky mess to clean after it's over. (See also: <a href="http://www.wisebread.com/50-fun-things-to-do-when-youre-stuck-inside-during-winter?ref=seealso" target="_blank">50 Fun Things to Do When You're Stuck Inside During Winter</a>)</p> <h2>1. Get pointillistic with dot markers</h2> <p><a href="http://amzn.to/2w5408c" target="_blank">Dot markers</a> have been around for a long time, used primarily for playing Bingo. I've found the best deals at the local dollar store.</p> <p>Use them to create connect-the-dots or to draw on plain paper. You could also have the kids try a <a href="https://www.youtube.com/watch?v=R9DX5MhkfYQ" target="_blank">crash course on pointillism</a>, a cool art technique that involves a lot of dots. They can use the dot markers to create their own pointillistic masterpieces.</p> <h2>2. Draw a comic strip</h2> <p>Your kiddo can be a cartoonist. First, print out blank comic strips or draw your own comic strips by marking out the lines on plain paper. Use a ruler to get them straight.</p> <p>Then they can use colored pencils, washable markers, or pens to draw and color in their own comic strips. Encourage them to make up new characters going on amazing adventures, or suggest that they simply draw out stories based on their own daily lives.</p> <h2>3. Make (and play) a ringtoss game</h2> <p>You can make a ringtoss game out of almost anything (just make sure it isn't sharp, or hard, or breakable). You'll need things that are ring-shaped or that you can bend into a ring shape, like pipe cleaners. Then you need a target: something thin and tall enough for the rings to slide over.</p> <p>To play, have your kids set the target up and take two or three big steps back from it. They toss as many rings over the target as they can. You can make it more interesting by adding in extra challenges, such as a time limit, smaller rings, or having them stand further away from the target.</p> <h2>4. Create your own board game</h2> <p>Your kids get to design the whole game: characters, the goal, the board, and the rules.</p> <p>Have them start by deciding what the goal is: how can someone win the game? Do they need to get a certain number of points? Or go all the way around the board? Then have them set some rules: do they roll dice or use a spinner? (They can use parts from other board games you own &mdash; such as dice or an hourglass &mdash; for their new game.)</p> <p>Suggest that they use whatever they can find as raw materials. For example, draw the game board on a piece of cardboard, cut paper into cards, create characters or game pieces out of modeling clay, or use tiny toys they already have.</p> <h2>5. Try an origami challenge</h2> <p>Start with some simple shapes for origami. There are a lot of YouTube tutorials, for example, a <a href="https://www.youtube.com/watch?v=KG62H5QaD2o" target="_blank">ninja star</a> or <a href="https://www.youtube.com/watch?v=z_ubB8Ff2Vs&amp;list=PLnoO3k54vcBQ_tNFyn7ukM1-LaQBAG2Ld" target="_blank">a baby chicken</a> or a <a href="https://www.youtube.com/watch?v=gSrVSbEdPEE&amp;index=10&amp;list=PL2vt_TPKQbZob-85AoY8Cxtj8LjigvTNk" target="_blank">water bomb</a>. (Obviously you should start with the water bomb.) When they've mastered a couple of the easier tutorials, have them try some harder shapes.</p> <h2>6. Build a tiny town</h2> <p>Hit up the recycling bin for empty plastic bottles and cardboard boxes. The thin cardboard is best, because it's easier to cut.</p> <p>They can build the structures of their town by cutting, stacking, and combining boxes and bottles. Cut out or draw on doors and windows. Washi tape or masking tape can be used to attach the structures together. Colored tape can also be used to designate roads through their very own tiny towns.</p> <h2>7. Make a marble run</h2> <p>Start with a hard surface (like the floor) and use toys and books to create a racecourse. Your kids can put in little obstacles; they should be small and light so the marble won't be stopped completely. To start the marble on its run, cut cardboard tubes (from toilet paper or paper towels) in half. Tape them together to make them longer. Stack one end on books or a table and make sure it slopes down into the beginning of the racecourse.</p> <h2>8. Make a toy car track</h2> <p>If they have some toy cars, they can make a custom track, with jumps and challenges, out of almost anything. My kids use stools or a stack of books and then pieces of cardboard, small boxes, or big, flat books to build ramps and jumps.</p> <p>They can even come up with tunnels and create obstacle courses. If they have blocks or Legos around, they can build some structures or tunnels for the cars to go through. Or demolish. That part is entirely up to them.</p> <h2>9. Create an ad</h2> <p>The idea of this game is for your kids to come up with their very own advertisement for a made-up product. So, to start with, have them come up with a product that they want to &quot;sell.&quot; It can be as stupid or silly or serious as they want it to be.</p> <p>Next, they need to come up with some ideas about how to advertise it. Maybe a story, or act out a scene, or perform a song. They can use costumes, props, a whole scene. My kids like to video their ads and then review and improve them. Or just laugh at them.</p> <h2>10. Make a music video or do karaoke</h2> <p>They should select their songs, decide on a script or choreographed dance if they're making a video, or just sing and dance their hearts out. Costumes and props make this extremely fun and allow them to be more immersed in the music.</p> <h2>11. Go on a scavenger hunt</h2> <p>A scavenger hunt can work inside or outside. You can come up with your own list and have them hunt around the house for them, or they can come up with their own list of ideas. They can decide to hunt as a team or go separately as a competition. Set a timer to make it more challenging and exciting.</p> <h2>12. Create a memory challenge</h2> <p>The kids will need a timer for this. They should start by finding five to 10 small objects: a marble, a toy car, a spoon, etc. Spread them out on a tray and look at them for 30 seconds. Then move the tray somewhere they can't see it and have them try to remember all the objects on the tray. They can write a list or draw a picture of each one. How many did they remember? If they got them all, add more objects, or start with a completely new set. Make it more challenging by giving them less time to look at the objects on the tray (try 20 seconds, and then 15).</p> <h2>13. Take a Lego building challenge</h2> <p>Kids can use any sort of building toy for this. Blocks or K'Nex or Magnetos will work just as well as Legos. First, make a list of 10 to 15 things they want to build. Or check out <a href="http://afewshortcuts.com/free-printable-lego-challenge-cards/" target="_blank">these printable Lego challenge cards</a> for inspiration.</p> <p>To do the challenge, choose something from the list to build. Then start building. They can use a timer to see how quickly they can build it. Or they can take their time and do the best possible job.</p> <h2>14. Tell some fortunes</h2> <p>This is fun to do with friends or siblings. Make some paper fortunetellers by following <a href="http://innerchildfun.com/2016/10/make-paper-fortune-tellers.html" target="_blank">these instructions</a>.</p> <p>Or, for a simpler version, you can play a game from my childhood (I know, right? So old.) called MASH. All you need is a piece of paper and something to write with. Here are <a href="http://mashplus.com/how-to-play-mash/" target="_blank">the full instructions</a>.</p> <h2>15. Do some pasta-marshmallow architecture</h2> <p>Get their inner architect to work with dry pasta. Seriously! They'll need dry spaghetti noodles and mini marshmallows. Gumdrops work too, if you're low on marshmallows.</p> <p>To build, stick the spaghetti noodles into the marshmallows and gumdrops to connect them and create structures. You can also use toothpicks, or break the spaghetti into pieces for shorter sections. You can start with simple squares and cubes, and then connect them for more complex structures. Here's <a href="https://modernparentsmessykids.com/stem-activity-gum-drop-engineering/" target="_blank">some inspiration</a> to get you started.</p> <h2>16. Make a felt board and pieces</h2> <p>You'll need felt, some cardboard, and scissors. To start, have the kids cover a cardboard with felt, then staple or carefully glue it on. They could use a few different colors of felt to create a background or setting. Maybe a green strip for grass on the bottom, and a gray triangle for a mountain.</p> <p>Next, they can cut out shapes with the rest of the felt. The felt shapes will stick to the felt board, so they can use them to create characters, settings, buildings, and all sorts of other stuff on the felt board.</p> <h2>17. Come up with 10</h2> <p>Need some more ideas? I got this method from a writer named <a href="http://www.jamesaltucher.com/2014/05/the-ultimate-guide-for-becoming-an-idea-machine/" target="_blank">James Altucher</a>, and it works well. You can do this or have your kids do this if they're bored.</p> <p>First, think of a problem or a question, like &quot;What are some cool things I can do by myself?&quot; or &quot;What could I do when I'm bored that won't get me in trouble?&quot; Then make a list of 10 ideas that answer your question. Don't stop at five or six. Your brain will want to. Don't let it be lazy. Insist on 10. Your brain saves all the really good ideas for eight and nine and 10.</p> <p>If you make one list, you can make another one. What's another question? How about, &quot;What can I do with my friends?&quot; or &quot;What are some things I want to learn about?&quot; or &quot;How can I not be bored?&quot; Make another list for each question. Make 10 lists! Now you have 100 ideas. (See also: <a href="http://www.wisebread.com/25-ways-to-entertain-your-child-for-free-or-cheap?ref-seealso" target="_blank">25 Ways to Entertain Your Child for Free or Cheap</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F17-creative-no-mess-activities-for-kids-stuck-at-home&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F17%2520Creative%252C%2520No-Mess%2520Activities%2520for%2520Kids%2520Stuck%2520at%2520Home_0.jpg&amp;description=17%20Creative%2C%20No-Mess%20Activities%20for%20Kids%20Stuck%20at%20Home"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/17%20Creative%2C%20No-Mess%20Activities%20for%20Kids%20Stuck%20at%20Home_0.jpg" alt="17 Creative, No-Mess Activities for Kids Stuck at Home" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/17-creative-no-mess-activities-for-kids-stuck-at-home">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-frugal-families-love-boardgame-night">8 Reasons Frugal Families Love Boardgame Night</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money">8 Best Sites to Help Your Kids Learn About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-money-apps-for-kids">10 Fun Money Apps for Kids</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-fun-family-friendly-games-for-your-holiday-party">5 Fun Family Friendly Games for Your Holiday Party</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family arts and crafts fun things to do games keep kids busy kid activities kids no mess activities things to do with your kids Fri, 25 Aug 2017 08:30:11 +0000 Annie Mueller 2008742 at http://www.wisebread.com How to Get Out of Social Obligations That Break Your Budget http://www.wisebread.com/how-to-get-out-of-social-obligations-that-break-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-out-of-social-obligations-that-break-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_party_hat_626134690.jpg" alt="Sad Bored Woman at a Party Having No Fun" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What do you do when you're on a tight budget, but you keep getting social invitations to events that you know will cost too much money? You don't want to start a long conversation about your finances. You don't want to hurt anyone's feelings. But you also don't want to blow your budget on gifts and events you can't afford. Here are several tactful ways to handle this social spending pressure. (See also: <a href="http://www.wisebread.com/7-nice-ways-to-tell-your-spendy-friends-youre-staying-on-budget?ref=seealso" target="_blank">7 Nice Ways to Tell Your Spendy Friends You're Staying on Budget</a>)</p> <h2>Do you want to participate?</h2> <p>First things first: when an invitation comes rolling in, assess your own interest in and desire to attend before you make any decisions. There's a social tendency to agree to invitations, as if you are obligated to say &quot;Yes&quot; merely because you were invited.</p> <p>However, no such obligation exists. Do you want to go, or not? If you do want to participate in the event, but the price tag is above your budget, look for a way to participate without taking on the total expense. One (or more) of the tactics listed below will serve you well.</p> <p>If you'd rather stay home in your pajamas and watch Netflix (always my weekend preference, honestly), you can also do that.</p> <h2>Use the same communication method used for the invitation</h2> <p>If you got a Facebook invite, you can respond via Facebook. If you got a phone call, respond in kind. If you received a hand-lettered invitation in a wax-sealed envelope, it's time to handwrite a beautiful letter.</p> <h2>Start with gratitude</h2> <p>Don't lead with the &quot;No.&quot; Never lead with the &quot;No.&quot; Instead, lead with appreciation for the invitation itself. Something like, &quot;Thank you for including me in this special event,&quot; or, less formal, &quot;Thanks so much for inviting me!&quot;</p> <h2>State a clear but firm &quot;No&quot;</h2> <p>Don't say maybe if you mean no, as you'll end up having to repeat the conversation. If you're clear enough the first time around, that will be enough. Try something like, &quot;Unfortunately, I won't be able to attend,&quot; or &quot;We will not be able to come.&quot;</p> <h2>Don't give a reason</h2> <p>Stifle the urge to explain yourself. You don't have to, and anyone with decent manners will not press you for a reason. (This excludes your circle of closest friends, who will bug you for a specific reason until you give them one. If they're good friends, though, they'll want to support your financial goals, not destroy them.)</p> <h2>End with specific good wishes</h2> <p>Wrap up your RSVP with a wish for a great event or whatever is appropriate. The more specific it is, the more sincere it sounds. Generic well wishes sound, well, generic.</p> <p>Obviously, this method is a little trickier with a phone or in-person conversation, however, you can follow the basic steps. You can even write a little script ahead of time. Stick to your guns: you're saying no, and you don't have to explain why. Be appreciative, polite, and firm.</p> <h2>Take a homemade gift</h2> <p>If you're dealing with a birthday party or other celebratory event that traditionally mandates a gift, bringing a homemade gift is a good tactic. Homemade gifts can be simple and classy, cheap, and very appreciated. Who wouldn't love a <a href="http://www.wisebread.com/10-homemade-liqueurs-to-bottle-now-for-tasty-holiday-gifts" target="_blank">homemade liqueur</a> or selection of <a href="http://www.wisebread.com/5-amazing-easy-diy-bath-and-body-products" target="_blank">luxurious bath products</a>?</p> <p>Personalization makes a gift special, so think about the recipient and try to incorporate their preferences and interests in some aspect of the gift. (See also: <a href="http://www.wisebread.com/25-thoughtful-and-frugal-personalized-gift-ideas?ref=seealso" target="_blank">25 Thoughtful and Frugal Personalized Gift Ideas</a>)</p> <h2>Come late, leave early</h2> <p>If you control your timing, you have more control over your expenses. If the event is dinner and a movie, why not skip the dinner and show up for the movie? You still get to hang out with your friends, but you've eaten at home and saved money at the same time.</p> <p>Leaving early can work the same way. Maybe you'll go to the ballgame but skip the bar crawl afterward, and go home with money still in your pocket. (See also: <a href="http://www.wisebread.com/being-frugal-without-giving-up-your-social-life?ref=seealso" target="_blank">Being Frugal Without Giving Up Your Social Life</a>)</p> <h2>Offer an alternative</h2> <p>Participate, but on your terms by offering an alternative to the specific invitation or activity. For example, &quot;I want to be in your wedding, but I can't handle the financial responsibilities of being a bridesmaid right now. Is there a smaller role I could take to be part of your day?&quot;</p> <p>Or, brainstorm some alternative, cheaper activities and offer them up to the host or coordinator, such as, &quot;Instead of going to the casino, why don't we all go to the beach?&quot; (See also: <a href="http://www.wisebread.com/10-ways-to-have-a-cheaper-evening-hanging-out-with-friends?ref=seealso" target="_blank">10 Ways to Have a Cheaper Evening Hanging Out With Friends</a>)</p> <h2>Host it yourself</h2> <p>Be the hostess with the mostest&hellip; the mostest money, that is. You don't have to go out to get together. Offer to host your friends for a potluck dinner party. I used to have these monthly, setting a theme for each one. They're lots of fun, have delicious food, and offer stress-free, low-budget socializing.</p> <p>Or host an in-home movie night, or come up with your own specific version of hijinks and hilarity, on your turf and in your budget.</p> <h2>Set a no-product policy</h2> <p>I absolutely love the idea of setting a policy for the frequent social invitations that are oriented toward getting you to spend money. You know what I'm talking about: product parties. You may love the bags, or the leggings, or the wraps, or whatever, but chances are, it's not in your budget. Instead of picking and choosing which ones you'll participate in, give yourself a blanket policy: &quot;For the sake of my budget, or reaching my financial goals, or not filling my house with embroidered bags, I have a No-product-parties policy. Thanks for the invitation, though!&quot;</p> <h2>Eat first and BYOB</h2> <p>If you're meeting friends for the evening but don't want to bust your budget on a pricey meal and overpriced drinks, eat an early dinner at home before you go. You can order an appetizer or share a dessert for a fraction of the cost, or sip your drink and enjoy the conversation. Bonus points if you bring your own flask, order a single drink and top it off yourself.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-get-out-of-social-obligations-that-break-your-budget&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Get%2520Out%2520of%2520Social%2520Obligations%2520That%2520Break%2520Your%2520Budget.jpg&amp;description=Here's%20How%20You%20Should%20Budget%20Your%20Social%20Security%20Checks"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Get%20Out%20of%20Social%20Obligations%20That%20Break%20Your%20Budget.jpg" alt="How to Get Out of Social Obligations That Break Your Budget" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/how-to-get-out-of-social-obligations-that-break-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-attend-a-wedding-for-cheap-without-actually-looking-cheap">How to Attend a Wedding for Cheap (Without Actually Looking Cheap)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-things-good-hosts-never-do">14 Things Good Hosts Never Do</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-splurging-on-experiences-is-a-bad-idea">5 Times Splurging on Experiences Is a Bad Idea</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing Marriage</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Lifestyle etiquette rules manners party party etiquette saving money social obligations weddings Wed, 23 Aug 2017 08:30:11 +0000 Annie Mueller 2007142 at http://www.wisebread.com 7 Ways Your Bartender Is Ripping You Off http://www.wisebread.com/7-ways-your-bartender-is-ripping-you-off <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-your-bartender-is-ripping-you-off" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/juice_for_client.jpg" alt="your bartender is ripping you off" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Let's be clear, most bartenders out there are great. They're professional, they enjoy interacting with customers, and they work incredibly hard. But sometimes you'll come across a bartender who is not giving you what you're paying for. That could be for a number of reasons. He or she may be under orders from the owner to cut corners and save money. The customer could be difficult, or even rude. Or, the bartender is finding ways to pocket cash. Whatever the reason, here are the most common ways your bartender can rip you off.</p> <h2>1. The rim dip</h2> <p>This is a sneaky way to serve you less alcohol than you paid for, by tricking your senses into smelling and tasting a strong drink. The bartender can do this in several ways, but the outcome is the same; the rim of the glass will be dipped in the alcohol of your choice, from vodka or gin, to whiskey or brandy. The easiest method is to have a sponge soaked in alcohol out of sight. You order your drink, the bartender dips the rim of the glass in the sponge, then pours a drink that's very light on alcohol. You don't realize this because you taste and smell alcohol every time you take a sip. If you are watching the bartender closely, and the glass disappears from sight for a few seconds, you could be a victim of the rim dip.</p> <p>The easiest way to find out is to wipe the rim of the glass thoroughly with a napkin and take another sip. Is it weak? Then you've been had.</p> <h2>2. The long pour</h2> <p>Next time your bartender goes all Tom Cruise in <em>Cocktail'</em>on you, be skeptical. One of the easiest ways to trick you into thinking you're getting more booze than you actually are is the long pour. By pulling the bottle away from the glass and creating a long stream of alcohol, you believe you're getting a healthy shot. But it's an illusion. The amount of alcohol you get is based on the time it takes to come out of the spout, and has nothing to do with the length of the stream. These long pours are done quickly, and therefore cheat you of alcohol. Sometimes the bartender doesn't even realize they are shortchanging you, believing the showmanship is all part of the experience. If you want what you pay for, ask the bartender to cut the theatrics. (See also: <a href="http://www.wisebread.com/15-ways-to-save-money-when-getting-your-drink-on?ref=seealso" target="_blank">15 Ways to Save Money When Getting Your Drink On</a>)</p> <h2>3. The diluted bottle</h2> <p>To be fair, this is usually a collaboration between the bartender and the owner. But however it happens, it's an easy way to rip off customers in plain sight. The bartender will simply add water to the liquor in the bottle, be it a clear spirit, or something darker. It's only going to be around 10 to 15 percent of the bottle's volume, which makes it very difficult for the average customer to detect. But it's very profitable for the bartender and the owner. However, you see nothing wrong because the pours all look legit.</p> <p>This is a tough one to catch. The only way to know for sure is to test a neat shot from an open bottle against a neat shot from a bottle that has not yet been touched. And that's not likely to happen in a busy bar scenario.</p> <h2>4. The brand swap</h2> <p>The simplest way to achieve the brand swap is to pour cheap liquor into empty bottles of a more expensive brand. Another way is to apply expensive labels to bottles of a cheaper brand, but this is time-consuming and tricky to pull off. Either way, the result is that you're paying for a higher quality of liquor than you're receiving. With some drinks, it's very difficult to tell, especially with vodka and rum. But if you're a whiskey or bourbon aficionado, you're likely to detect the switch. However, most bars stay away from this one as it's a crime, and can result in fines and the revocation of their liquor license.</p> <h2>5. The light mixer</h2> <p>This is not exactly a rip off, but more a trick to get you to believe that your bartender is giving you strong pours, while also making you finish your drink more quickly. Basically, the bartender will add a little extra ice to the drink, a regular shot of liquor, and a smaller amount of mixer. This has the effect of making you think your bartender just hooked you up with a strong drink, when in fact, you simply got a lower mixer-to-alcohol ratio. You might be inclined to tip your bartender more, you'll finish your drink in less time (and therefore buy more drinks in an hour than you would have), and you'll actually get inebriated more easily. If your drink tastes strong, you can always ask for more mixer to be added. (See also: <a href="http://www.wisebread.com/bookmark-this-how-much-to-tip-in-almost-every-situation?ref=seealso" target="_blank">Bookmark This: How Much to Tip in Almost Every Situation</a>)</p> <h2>6. The liquored-up straw</h2> <p>If you order a drink that naturally comes with a straw, you may be getting scammed. In this illusion, the bartender has a series of containers behind the counter filled with different liquors and straws. The straws become filled with the alcohol. The bartender will then mix your drink with very little alcohol, and add the boozy straw at the end. As you take your first sip, you will get a big hit of alcohol and think that the bartender has hooked you up with a heavy pour. In fact, you got almost no alcohol.</p> <p>The easiest way to spot this is to sip directly from the glass first. Then, sip from the straw. Notice a big difference? You just got played.</p> <h2>7. The top shelf exchange</h2> <p>You order a drink &mdash; let's say a vodka and orange juice &mdash; and it arrives. It tastes great. You order a few more. Then you get the bill. Instead of making your screwdriver with a basic vodka brand, the bartender has poured you one of the expensive options, such as Ketel One, Grey Goose, or even Stoli Elit. The markup on these bottles is huge, and instead of paying $7 for your drink, you're suddenly seeing $14 per cocktail.</p> <p>Very few bartenders go in for this practice. It's a surefire way of losing customers after just one visit. But places that see a lot of tourist traffic, and few repeat customers have been known to pull it. Just make sure you ask for the cheapest brand when you're getting your cocktails. If you're drinking neat, or with a splash of water or ice, then you will probably be asked what brand you desire.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-ways-your-bartender-is-ripping-you-off&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Ways%2520Your%2520Bartender%2520Is%2520Ripping%2520You%2520Off.jpg&amp;description=7%20Ways%20Your%20Bartender%20Is%20Ripping%20You%20Off"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Ways%20Your%20Bartender%20Is%20Ripping%20You%20Off.jpg" alt="7 Ways Your Bartender Is Ripping You Off" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/7-ways-your-bartender-is-ripping-you-off">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-save-money-when-getting-your-drink-on">15 Ways to Save Money When Getting Your Drink On</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-weekend-money-traps-and-how-to-avoid-them">8 Common Weekend Money Traps (And How to Avoid Them)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-booze-teaches-us-about-money">What Booze Teaches Us About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-save-money-at-the-bars">4 Ways to Save Money at the Bars</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/all-we-are-sayingis-give-pabst-a-chance">All We Are Saying...Is Give Pabst A Chance.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Food and Drink bar bar hopping bartender drinks happy hour saving money weekend plans Tue, 15 Aug 2017 09:00:05 +0000 Paul Michael 2003034 at http://www.wisebread.com Best Money Tips: Ways to Save Money on Streaming Services http://www.wisebread.com/best-money-tips-ways-to-save-money-on-streaming-services <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-save-money-on-streaming-services" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_watching_tv_153977827.jpg" alt="Woman saving money on streaming services" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on ways to save on streaming services, lifestyle changes to make while you&rsquo;re paying off debt, and over 200 amazing upcycling ideas.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.threethriftyguys.com/2017/08/how-to-save-money-on-your-streaming-services/">6 Ways to Save Money on Your Streaming Services</a> &mdash; Hit up the streaming service's chat support and see if the rep can get you a month of free service or another special. [Three Thrifty Guys]</p> <p><a href="http://runthemoney.com/lifestyle-changes/">3 Lifestyle Changes To Make While Paying Down Debt</a> &mdash; Reconsider where you live. Moving in with family, or moving to a less expensive area, can help you save on housing costs. [Run The Money]</p> <p><a href="https://www.popsugar.com/smart-living/Cool-Upcycling-Projects-24338804">200+ Upcycling Ideas That Will Blow Your Mind</a> &mdash; Get your DIY on! Here are over 200 projects that use ordinary household items. [PopSugar Smart Living]</p> <p><a href="http://www.experian.com/blogs/news/about/simple-ways-avoid-financial-stress/">Simple Ways to Avoid Financial Stress</a> &mdash; Money can be a huge stressor, especially if your finances aren't entirely in order. Join Experian's #CreditChat tomorrow at 3 p.m. ET for a discussion on tips and tricks for alleviating financial stress. [Experian]</p> <p><a href="https://blog.cheapism.com/airport-layover-secrets-17353/">Stuck on a Layover? Secrets to Beat Boredom in 20 Major Airports</a> &mdash; Check into a Minute Suite in Dallas-Fort Worth to escape the airport noise and crowds. Each private suite includes a daybed sofa, a sound masking system and a computer equipped with a 32-inch screen and DirectTV. [Cheapism]</p> <h2>Other Essential Reading</h2> <p><a href="https://www.smallfootprintfamily.com/sea-salt-is-better-than-table-salt">Why Salt is Good for You, But Some Salt is Better Than Others</a> &mdash; Unlike refined salt (like table salt) which contains only 2 or 3 elements, natural whole salt contains about 80 mineral elements that are essential in very small amounts for a variety of functions in the body. [Small Footprint Family]</p> <p><a href="https://www.csmonitor.com/Business/2017/0811/Amazon-ramps-up-research-on-pre-made-meals-but-will-home-cooks-buy-them">Amazon ramps up research on pre-made meals, but will home cooks buy them?</a> &mdash; These quick and easy meals use technology originally developed for the U.S. military to produce tasty prepared meals that don't need refrigeration. [The Christian Science Monitor]</p> <p><a href="http://www.livingwellspendingless.com/2017/08/14/simple-ways-to-support-your-childs-teacher/">Simple Ways to Support Your Child&rsquo;s Teacher</a> &mdash; A super easy way to support your child's teacher and their school is to share school events on social media, via email, or even paper flyers. Help them get the word out! [Living Well Spending Less]</p> <p><a href="https://www.listenmoneymatters.com/rental-property-neighborhood/">Key Factors to Finding the Perfect Rental Property Neighborhood</a> &mdash; Before you decide on a neighborhood for rental property, find out how long properties in the area usually sit empty between tenants. [Listen Money Matters]</p> <p><a href="https://www.pickthebrain.com/blog/lost-and-stuck-in-your-job-7-simple-truths-to-shift-to-a-career-you-love/">Lost and Stuck in Your Job: 7 Simple Truths to Shift to a Career You Love</a> &mdash; Know that you are never tied to one career for life. If one no longer suits you, can always do something else. [Pick The Brain]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-save-money-on-streaming-services">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-tricks-for-a-better-netflix-experience">6 Tricks for a Better Netflix Experience</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-best-ways-to-stream-tv-and-movies-for-free">The 8 Best Ways to Stream TV and Movies for Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-podcasts-bookworms-will-love">12 Podcasts Bookworms Will Love</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/47-cheap-fun-things-to-do-this-weekend">47 Cheap, Fun Things to Do This Weekend</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment best money tips streaming Tue, 15 Aug 2017 08:00:08 +0000 Amy Lu 2003172 at http://www.wisebread.com 5 Times Splurging on Experiences Is a Bad Idea http://www.wisebread.com/5-times-splurging-on-experiences-is-a-bad-idea <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-times-splurging-on-experiences-is-a-bad-idea" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_having_a_duh_moment.jpg" alt="Man having a duh moment" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're a regular reader of Wise Bread, you know that we encourage you to <a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things?ref=internal" target="_blank">spend your money on experiences</a> rather than material things. You will be happier if you make great memories, rather than stockpiling great electronics, clothes, shoes, watches, and jewelry. But there are two sides to every story. And sometimes, these experiences are just not worth the splurge.</p> <h2>1. Exotic destination weddings</h2> <p>We've all received those wedding invitations that, at first, seem like a dream come true. We picture ourselves tanning on a beach in Hawaii or Jamaica with a cocktail and a smile. But that's usually not the case. Destination weddings don't give you a lot of time to yourself. You are there for the bride and groom. It's their big day, they've spent a lot of money on it. You'll be expected to go to rehearsals, receptions, and other parties. You may well have to hang out with a bunch of people you don't know or even like all that much. And to top it all off, you're paying through the nose to go on this trip. It will likely cost thousands. You might make some good memories from it, but this isn't the same as a vacation on your own terms. (See also: <a href="http://www.wisebread.com/6-ways-to-resist-a-splurge?ref=seealso" target="_blank">6 Ways to Resist a Splurge</a>)</p> <h2>2. Tickets to the Super Bowl</h2> <p>Blasphemy, right?! Well, not really. When it comes down to it, a trip to the Super Bowl is a great experience if you can get it for the right price. But if you're buying the tickets through the secondary market, or even worse, getting an &quot;On Location Experience,&quot; you are going to be spending a small fortune. SeatGeek.com states that the <a href="https://seatgeek.com/events/super-bowl" target="_blank">average price of a Super Bowl 52 ticket</a> will be between $2,500 and $3,000. For those On Location Experiences, you're looking at between $6,000 to $12,000. Up to $12,000 to see a football game. Now, think about the experience you're going to have for that money. You're there, in the stadium, but most of the time you're actually watching the action on the big screen projection. You're paying an arm and a leg for food and drinks. You also had to pay to get to the Super Bowl and stay in a hotel, unless you're lucky enough to live in that city. (See also: <a href="http://www.wisebread.com/how-one-man-used-credit-card-rewards-to-go-to-the-last-11-super-bowls?ref=seealso" target="_blank">How One Man Used Credit Card Rewards to Go to the Last 11 Super Bowls</a>)</p> <p>What else could you do with that money? How about two weeks in Europe? Or Japan? Or paying down debt? Wouldn't that be a better use of your money? Forget the Super Bowl experience, and watch it on a big screen at home with your friends and family.</p> <h2>3. Extremely high-priced restaurants</h2> <p>There are some restaurant experiences that balance good food with a reasonable check at the end of the meal. And there are others that just blow the budget completely out of the water. You may be thinking that once, just once, you want to spend a whole lot of money on an amazing meal &hellip; just to experience it. Well, honestly, you will not be getting your money's worth. For example, <a href="http://www.wisebread.com/10-of-the-worlds-most-expensive-restaurants" target="_blank">Sublimotion in Spain</a> charges over $2,000 per person for a series of 15-20 small courses. It gets exceptional reviews of course, but $2,000 for a meal is just an absurd waste of your cash, and you will find stunning food in your area for way, way less money. (See also: <a href="http://www.wisebread.com/the-worlds-most-affordable-michelin-starred-restaurants?ref=seealso" target="_blank">The World's Most Affordable Michelin-Starred Restaurants</a>)</p> <h2>4. A trip on the Orient Express</h2> <p>I mean, it's a train. It may be the most famous train the world, but is it worth the cost to ride? If you were to book a <a href="https://www.luxury-trains.co.uk/orient-express/venice-simplon-orient-express-train-fares.htm" target="_blank">cabin suite from Paris to Istanbul</a>, the cost is almost $16,000! If you instead opt for a double or single room, it's still up there at around $8,000! And what do you get for that? Honestly, not all that much. Some nice food, some fancy service, and nice views.</p> <p>However, if you purchase a First Class InterRail ticket for the same journey, with the same views, you will only be out of pocket around $400 per person. Don't bother with the Orient Express. It's overpriced and underwhelming, and includes a lot of wood paneling and polished brass.</p> <h2>5. The big fight</h2> <p>Despite the phenomenal rise in popularity of UFC, world-class boxing matches still command massive audiences. And it seems massively inflated ticket prices, too. In 2015, Forbes reported that the Floyd Mayweather Jr. versus Manny Pacquiao fight had ticket prices so incredible they broke records. As hard as it is to believe, some tickets went on sale for upward of $350,000! That's right, over a quarter of a million dollars, for a fight that many thought did not come close to living up to the title of &quot;Fight of the Century.&quot; If you're thinking, <em>Well, yeah, but most tickets didn't cost anywhere near that price,</em> then you're right. The worst seats in the house were being sold for over $3,500 per ticket. And that would have gotten you on the upper level with a view that left a lot to be desired. People were spending upward of $150 to attend the weigh-in for that fight! And these fights will continue to garner a lot of attention, and ask for grossly-inflated sums of money. Watch it on Pay-Per-View if you really want to see it, and split the cost with your friends.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-times-splurging-on-experiences-is-a-bad-idea&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Times%2520Splurging%2520on%2520Experiences%2520Is%2520a%2520Bad%2520Idea.jpg&amp;description=5%20Times%20Splurging%20on%20Experiences%20Is%20a%20Bad%20Idea"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Times%20Splurging%20on%20Experiences%20Is%20a%20Bad%20Idea.jpg" alt="5 Times Splurging on Experiences Is a Bad Idea" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/5-times-splurging-on-experiences-is-a-bad-idea">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master">11 Budgeting Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/never-borrow-money-for-these-5-buys">Never Borrow Money for These 5 Buys</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-sneaky-ways-you-cheat-on-your-budget">6 Sneaky Ways You Cheat on Your Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-out-of-social-obligations-that-break-your-budget">How to Get Out of Social Obligations That Break Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment expensive things experiences material things saving money spending splurges travel vacation weddings Thu, 27 Jul 2017 09:00:04 +0000 Paul Michael 1990724 at http://www.wisebread.com 10 Books to Read for a Better Money Mindset http://www.wisebread.com/10-books-to-read-for-a-better-money-mindset <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-books-to-read-for-a-better-money-mindset" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_in_a_library.jpg" alt="Girl in a library" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It can be lonely living in a frugal world; maybe you're surrounded by big spenders, or mocked for being a penny pincher. Or maybe you struggle to see the long-term goals in the midst of short-term needs. Peruse this list of books for your next read, and build a stronger, proactive, and positive money mindset. (See also: <a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires?ref=seealso" target="_blank">10 Beloved Books of Successful Millionaires</a>)</p> <h2>1. <em>A</em>&nbsp;<em>Conflict of Visions</em> by Thomas Sowell</h2> <p>Read <a href="http://amzn.to/2tntlYU" target="_blank">A Conflict of Visions</a> for a big picture, to understand why people think about and react to money issues the way they do. A dense read, this isn't one you'll grab for the beach. Instead, grab your highlighter and tackle a chapter at a time. You'll learn a lot about money and why people have so many conflicts with it, which might, in the end, help you feel less conflicted.</p> <h2>2. <em>The Power of Less</em> by Leo Babauta</h2> <p>Successful blogger, author, and father of six, Leo Babauta knows a few things about handling money and a life of many responsibilities. His book, <a href="http://amzn.to/2tnuijR" target="_blank">The Power of Less</a>, will help you appreciate what less can bring you, in both business and in life. It's liberating to realize that pursuing more, whether personally or financially, won't necessarily lead to more life satisfaction or more success.</p> <p>Babauta advises readers to take a quality over quantity approach, focusing on what's most important and treating the rest as a distraction. It's a lesson you can use in many areas of life (decluttering session, anyone?) but when applied to your money management, this approach can make it easier for you to focus on your best money moves and quit worrying about what everybody else is doing.</p> <h2>3. <em>The Worldly Philosophers</em> by Robert L. Heilbroner</h2> <p>In this classic, Heilbroner examines the history of economic thought by walking the reader through the &quot;lives, times, and ideas of great economic thinkers.&quot; You'll learn not only about the economic philosophies developed by, say, John Stuart Mill or John Maynard Keynes, but also about the political upheavals and cultural issues that influenced and motivated them. If you're looking for a big-picture look at money and the economic systems that have been built around it, make <a href="http://amzn.to/2gQUX6H" target="_blank">The Worldly Philosophers</a> your next read.</p> <h2>4. <em>Thinking, Fast and Slow</em> by Daniel Kahneman</h2> <p>In <a href="http://amzn.to/2vttLOI" target="_blank">Thinking, Fast and Slow</a>, Kahneman explores the inner workings of the mind. Specifically, he introduces the reader to fast thinking, which is quick and instinctive, and slow thinking, which is deliberate and more logical. These two thinking systems, Kahneman explains, can and do serve us well; however, if we don't understand their weaknesses, we can be misled by mental biases into decisions that don't serve us well. Read this book to solidify your commitment to making money decisions based on long-term goals rather than short-term desires.</p> <h2>5. <em>Debt Is Slavery</em> by Michael Mihalik</h2> <p>Mihalik's direct, powerful book on dealing with debt is a great one for bettering your money mindset, because that's his whole premise. In <a href="http://amzn.to/2uHO4KH" target="_blank">Debt Is Slavery</a>, Mihalik argues that getting better at money happens when you get better at how you think about money, because, he says, &quot;all action is born from thought.&quot;</p> <p>There's no fluff here; <em>Debt Is Slavery</em> gets straight to the point in each chapter and provides practical steps for, first, changing the way you think about money and then changing what you do with it. If you're struggling to get out of debt and wondering if it's worth the trouble, read this book to renew your motivation and maybe even improve your debt-reduction strategies.</p> <h2>6. <em>Material World: A Global Family Portrait</em> by Peter Menzel, Charles C. Mann, and Paul Kennedy</h2> <p>It's easy to fall into a bubble, then forget you're in it. For a fascinating journey far outside your bubble, take a look at <a href="http://amzn.to/2ujlCML" target="_blank">Material World</a> by renowned photojournalist Peter Menzel. Each portrait &mdash; of an &quot;average&quot; family and all their worldly possessions &mdash; provides a point of vivid comparison: your standard of living next to that of people in many diverse areas of the world. Some will make you feel absolutely frugal, while others (most, perhaps?) will make you feel like you live at the height of excess.</p> <h2>7. <em>The Intelligent Investor</em> by Benjamin Graham and Jason Zweig</h2> <p>Warren Buffett (who is also a collaborator on the book), calls it &quot;by far the best book on investing ever written.&quot; <a href="http://amzn.to/2vsY9IS" target="_blank">The Intelligent Investor</a> was first published in 1949 and has since been updated for the current marketplace with commentary by Jason Zweig, personal finance columnist for <em>The Wall Street Journal</em>. If you want to solidify your understanding of investment options and move your mindset from a timid, maybe-investor to a knowledgeable practitioner of value investing, this is the book for you.</p> <h2>8. <em>If You Can: How Millennials Can Get Rich Slowly</em> by William Bernstein</h2> <p>Written specifically to help a younger generation gain better financial footing, <a href="http://amzn.to/2tnT0Al" target="_blank">If You Can</a> is also available as a <a href="http://efficientfrontier.com/ef/0adhoc/2books.htm" target="_blank">free downloadable booklet</a> on the author's website. Bernstein recognizes that the theory of saving and investing money is fairly simple, but the practice of it is much more difficult. He outlines five hurdles that the reader must overcome in order to succeed financially. Read it to understand clearly what's tripping you up.</p> <h2>9. <em>Your Money or Your Life</em> by Vicki Robin</h2> <p>Robin's book is a practical manual on personal financial management. It's also a book that will help you connect the dots between your money, your choices, and your ability to live according to your own values and priorities. In <a href="http://amzn.to/2gQHg7Y" target="_blank">Your Money or Your Life</a>, you'll learn to equate time with money, and to make money decisions with the time-cost in mind. Suddenly, that $170 pair of shoes isn't so appealing when you calculate the price in hours of your life rather than dollars in your bank account. By shifting the way you think about money and value, you can see saving and investing as the reward it is, rather than as a self-imposed deprivation.</p> <h2>10. <em>Nickel and Dimed</em> by Barbara Ehrenreich</h2> <p>In <a href="http://amzn.to/2uiV0wW" target="_blank">Nickel and Dimed</a>, Ehrenreich went undercover and exposed how difficult it is to get anywhere past financial survival while living on minimum wage. She opened up a big conversation on what it means to be rich and how disparate the lives of the poor, middle class, and wealthy can be: So disparate, in fact, that those in this financial segment may feel completely alienated from those in the other, unable to understand their motives, purposes, or needs.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-books-to-read-for-a-better-money-mindset&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Books%2520to%2520Read%2520for%2520a%2520Better%2520Money%2520Mindset.jpg&amp;description=10%20Books%20to%20Read%20for%20a%20Better%20Money%20Mindset"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Books%20to%20Read%20for%20a%20Better%20Money%20Mindset.jpg" alt="10 Books to Read for a Better Money Mindset" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/10-books-to-read-for-a-better-money-mindset">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks">5 Easiest Ways to Score Free eBooks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-new-podcasts-thatll-improve-your-money-mindset">10 New Podcasts That&#039;ll Improve Your Money Mindset</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/extreme-couponing-5-reasons-why-i-ll-pass">Extreme Couponing? 5 Reasons Why I’ll Pass.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-alternatives-to-cable-tv-that-will-keep-you-entertained">8 Alternatives to Cable TV That Will Keep You Entertained</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-best-money-management-tips-from-john-oliver">7 Best Money Management Tips From John Oliver</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment books books to read finance books money advice money books money mindset new books reading list Wed, 26 Jul 2017 08:30:19 +0000 Annie Mueller 1990781 at http://www.wisebread.com