Cash is king

Here’s how to really help food banks this season [ThePennyHoarder.com]( December 17th, 2018 Brought to you by: Happy Monday, Penny Hoarder! If you love your job, Monday might not be the worst thing ever… but if you just don’t, you might be thinking about shaking things up a little (or a lot). Today, we’re talking about landing a new gig, making a cross-country move and securing a personal loan — and what they all have to do with each other. First, this news… Hold the Phone| Percepta, a TTEC subsidiary company, [is searching for an online chat consultant]( who has some previous work-from-home experience. Bonus: You won’t have to make — or take — phone calls. Cash Is King | Surprise: Your local food bank doesn’t really need any more canned foods or food drives. What it really needs is cold, hard cash. [Here’s why cash is king when it comes to eliminating food insecurity](. Under… where?| We’ve heard a lot lately about new monthly panty subscription services gaining popularity… but are these skivvies worth the extra cost? [We asked an underwear expert]( (because yes, that’s a thing that exists). --------------------------------------------------------------- Get a Move On| If your dream is to live in New York City and you’re stuck at your current job in Oregon, you’ve probably spent more than a few long days at your desk plotting the big move. You’ve already scoped out apartments online, and you know exactly how you’d pack the moving truck. You might have even started researching the best takeout spots in your dream neighborhood. But every time your mind starts to wander to life in the big city, you remember that one teeny, tiny detail: You don’t actually have a job lined up (and you’d be broke before you could even unpack the first box). Ugh, the minutiae… right? If you’re ready for a change, it’s time to get serious about your long distance job hunt. These experts provide [tips that will increase your chances of landing an out-of-state position](. --------------------------------------------------------------- Brought to you by: --------------------------------------------------------------- Surprise!| In life, there are good surprises (like landing your dream job) and there are not-so-good surprises (like breaking your leg). Surprise! If you’re facing an immediate financial need (like a cross-country move or a pile of medical debt), a personal loan might be the way to go. The good news? It’s probably way easier than you think to apply for a personal loan. A good resource is [Fiona]( a search engine for consumer financial services. Fiona can help match you with the right personal loan to meet your needs, with loans ranging from $1,000 to $100,000, APRs as low as 3.84% and flexible payback terms from 24 to 84 months. Wondering how it works? Just take it one step at a time: Know what kind of loan you’re getting. A personal loan is an “unsecured” loan; you don’t put up collateral, and the lender decides what interest rate to charge based on your creditworthiness. Shop around for the best loan. You can shop around online through [our new personal loans marketplace powered by our trusted partner Fiona](. Fiona will search and compare loan offers and show you the personalized loan offers it recommends for your needs in minutes. See your loan offers. When you search through the marketplace, most online lenders will do a soft credit check, which won’t affect your credit score. If you’re not eligible for a personal loan, Fiona will recommend other options. Read the fine print. Read your loan offers carefully, and make sure you understand exactly what you’re agreeing to. Seal the deal. Once you’re matched with your pre-approved loan offer, you’ll need to head to the lender’s site to finish your loan application. Once it’s approved, you’ll typically receive your money within a week — although sometimes it’s as quick as the next business day. Now all that’s left to do is stay on top of the payments and load up the moving van (or practice using those crutches). [LEARN MORE]( Brought to you by: Surprise!| In life, there are good surprises (like landing your dream job) and there are not-so-good surprises (like breaking your leg). Surprise! If you’re facing an immediate financial need (like a cross-country move or a pile of medical debt), a personal loan might be the way to go. The good news? It’s probably way easier than you think to apply for a personal loan. A good resource is [Fiona]( a search engine for consumer financial services. Fiona can help match you with the right personal loan to meet your needs, with loans ranging from $1,000 to $100,000, APRs as low as 3.84% and flexible payback terms from 24 to 84 months. Wondering how it works? Just take it one step at a time: Know what kind of loan you’re getting. A personal loan is an “unsecured” loan; you don’t put up collateral, and the lender decides what interest rate to charge based on your creditworthiness. Shop around for the best loan. You can shop around online through [our new personal loans marketplace powered by our trusted partner Fiona](. Fiona will search and compare loan offers and show you the personalized loan offers it recommends for your needs in minutes. See your loan offers. When you search through the marketplace, most online lenders will do a soft credit check, which won’t affect your credit score. If you’re not eligible for a personal loan, Fiona will recommend other options. Read the fine print. Read your loan offers carefully, and make sure you understand exactly what you’re agreeing to. Seal the deal. Once you’re matched with your pre-approved loan offer, you’ll need to head to the lender’s site to finish your loan application. Once it’s approved, you’ll typically receive your money within a week — although sometimes it’s as quick as the next business day. Now all that’s left to do is stay on top of the payments and load up the moving van (or practice using those crutches). [LEARN MORE]( --------------------------------------------------------------- WORD OF THE DAY Soft credit check (n): Also known as a soft inquiry, a soft credit check occurs when a person or company checks your credit as part of a simple background check. An employer might run a soft credit check before hiring you, or a lender might run one to see if you prequalify for any loan or credit offers. A soft credit check will not affect your credit score. Credit can get confusing, especially with all the rumors and half-truths out there. So we did some digging and got to the bottom of what actually affects your score. Here are [seven things that will affect your credit score (like a hard inquiry)]( and five things that won’t (like a soft one). 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