TessMore Finance Blog

Whether you’re a skilled home chef or love to eat out, food is something we all need to budget for. With rising inflation making everything more expensive, we especially welcome all the advice for saving money on food. Here are some of our best articles to help you reduce your everyday spending. 11 Top Tips to Save Money on Food Stress less about food costs with these nuggets of helpful advice. 1. Get Someone to Do Your Grocery Shopping for Free You don’t always have to pay a premium to enjoy the benefits of a personal shopper. Grocery chains across the country offer free grocery pickup . Not only do you save time by not having to do the shopping yourself, but you can avoid impulse purchases, like buying that candy bar at the register when it wasn’t on your shopping list. 2. Shop Wisely for Grocery Delivery Services Choosing grocery delivery is another way to stick to your shopping list and stay within budget. Just be aware of the additional delivery or membership fees. This ...

On the heels of offering four free COVID-19 tests to all American households, the U.S. government recently announced it will distribute 400 million free N95 masks to the public. The masks, which the CDC says provide the greatest protection against the highly contagious Omicron variant, will be shipped to pharmacies and community health centers and will be available in the coming days and weeks. How Do I Get My Masks? The masks will be available at community health centers and pharmacies across the country. These will be the same pharmacies that participate in the Federal Retail Pharmacy Program , which helped provide COVID-19 vaccines to the public. This includes CVS, Walgreens, Wal-Mart, Kroger, Publix, Costco, Albertsons, and many others. See the full list of participating pharmacies.  You’ll need to pick up the masks in person, so make sure to call ahead. The N95s could start arriving in late January, but most should be available no later than early February at the tens o...

Mark Cuban, the billionaire owner of the Dallas Mavericks and “Shark Tank” star, has a new online pharmacy that could make your prescription medications more affordable. On Jan. 25, Cuban announced the launch of the Mark Cuban Cost Plus Drug Company. Currently, 100 generic prescription medications are available on the pharmacy website, costplusdrugs.com . Medications are priced at cost plus a 15% markup and a $3 pharmacist fee. To understand how pricing works, take the example of a 30-day prescription of Colchicine, a generic version of anti-inflammatory medication Colcrys that’s commonly used to treat gout. The drug’s retail price is $176.10, but only costs $4.80 to manufacture. Cuban’s Cost Plus Drug Company charges the $4.80 cost to make the drug, plus $0.90 for the 15% markup, plus the $3 pharmacist fee. The total cost for a 30-day supply: $8.70. Some other common medications the online pharmacy offers include: Albendazole , which is used to treat parasitic infections, costs ...

On January 24th, 2022 – the Dow Jones Industrial Average opened at 33,665.15 and fell as low as 33,274.09 before closing to a high of 34,383.66. It had fallen almost 400 points and then recovered to a increase on the day of 718.51. It was a 1109.57 point swing (approximately 3.3% based on the Dow’s open). The S&P 500 did something similar. Opened at 4,303.12 and fell to 4,239.30 and closed at 4,413.22 – another massive swing. On days like that day, it’s very tempting to think that you can take advantage of the volatility. That if you had the guts to buy at the low, you’d have gotten an easy win. There’s the feeling that you “missed out” – especially when you look back on how quickly things recovered. If this describes you and you want to shake that feeling of FOMO, read on: Table of Contents Hindsight is Unfair & Incomplete Scarcity is a Bias What Goes Down, Can Keep Going Down You Have Other Things to Do You Lack Expertise & Tools BTW, It’s Just Market Timin...

Pre-IPO company stock is a high-risk/high reward opportunity and potentially one of the most lucrative investments you can own. It’s generally only available to high-income, high asset individuals. But if you do qualify, it can be one of the best ways to spread your investment wings into unique and highly profitable opportunities. Table of Contents What Is Pre-IPO Stock? How to Invest In Pre-IPO Company Stock Where to Invest In Pre-IPO Company Stock Linqto Robinhood Webull AngelList Venture OurCrowd FundersClub What Are the Benefits of Investing In Pre-IPO Company Stock? What Are the Risks of Investing In Pre-IPO Company Stock? Lock-up Risk Should You Invest In Pre-IPO Company Stock? What Is Pre-IPO Stock? “IPO” stands for initial public offering . In simplest terms, the pre-IPO stock is available for purchase before the company officially goes public. Sometimes referred to as pre-IPO placements , they involve private sales of stock before a public exchange li...

As remote work becomes more and more of a thing, recruiters are increasingly vital to remote-leaning companies. If you think of yourself as a “people person” drawn to the HR world, then becoming a recruiter might be a good, rewarding career fit for you. Yes, these are the people who write the job descriptions and post the jobs, but there’s a lot more to recruiting than that. A successful recruiter is like a matchmaker for their company. They know what the hiring manager is looking for, and they do everything they can to find that perfect fit. They talk with potential applicants, but they are also adept at networking with peers and other recruiters to find candidates by word of mouth. “You are essentially the gatekeeper of culture,” says Ariel Chan, a recruiter for ClearLink, a media company based in Salt Lake City, Utah, and owner of The Penny Hoarder. “So it’s extremely important that you’re vetting them properly because it could make or break their whole team structure or their te...

From Sherlock Holmes to Easy Rawlins to Veronica Mars, popular culture has had a fun time depicting private investigators. Danger! Mystery! Glamor! And while stories about fictional private investigators aren’t necessarily accurate, it’s still an interesting and exciting field. You might want to become a private investigator if you are naturally curious, level headed, and detail oriented. This is a field that pays well and doesn’t require a four-year college degree. There is some variation among the states about requirements for private investigators. An interest in criminal justice helps but isn’t necessary. Become a Private Investigator as a Second Career Being a private investigator could be an excellent second career, especially for people who have worked in criminal justice, the military, cyber-security, or have been a law enforcement officer. This is a career area that is growing. It is expected to grow by 13% through 2030, which is faster than many other fields. The Bureau o...

The process of seeking new job opportunities can be time-consuming and even a bit disheartening, especially if you’ve been at it for a while. Once you find the job opening of your dreams, though, you may have to wait for an offer to come your way or move the process forward yourself by asking the prospective employer for a job.  Since asking for a job can be an intimidating experience for many people, we’ve put together this play-by-play guide on when, where, and how to ask for a job. Whether you’re new to the job market or are looking for a new career trajectory , you can follow the steps outlined below to increase your chances of landing a coveted position.  When should you ask for a job? Finding the right time and place to ask for a job is key. You’ll want to put yourself in situations where it’s easy to interact with hiring managers, human resources (HR) personnel, recruiters, and others who can make hiring decisions or recommend you to someone who has the authority to ...

If you’re in the final stages of interviewing for a new job or have accepted an offer and are working out the compensation details, it’s time to consider if and how to ask for a signing bonus.  Once the exclusive purview of professional athletes and highly paid executives, signing bonuses have become more common as employers vie for top talent and in-demand workers find themselves in the position of deciding between multiple job opportunities at one time.  While most negotiable signing bonuses today are offered to skilled workers or those seeking professional jobs, today’s competitive job market has companies offering signing bonuses to teachers, grocery store workers, manufacturing assembly line workers, and truck drivers, to name just a few types of jobs now commanding bonuses.  Like everything related to a job search, though, there are conventions and best practices when it comes to asking for a signing bonus. This article will cover what you need to know before you...

Quick Navigation 11 Ways to Save Money on Diapers Free Diaper Samples From Manufacturers Loyalty/Rewards Programs Baby Registries The Pediatrician’s Office Switch to Cloth Diapers Market Research Companies Diaper Banks Local Organizations Coupons and Sales Cash-Back Apps Eliminate Them Altogether Having a baby is easily one of the most life-changing experiences you’ll ever have. But a new baby can also take a toll on your budget as you realize how expensive things like diapers, formula (if you choose to use it) and clothes can be. We’ve heard your average baby goes through six to 10 diapers a day, and 2,500 to 3,000 diapers in their first year alone. By the time your kid is finally potty-trained, you’ll have spent thousands on thousands of diapers. 11 Ways to Save Money on Diapers There are several ways to get free diapers depending on your need. Check out these 11 id3as and start saving money on baby diapers. You will be able to get free diapers (or close to free....