Sunday, September 26, 2021
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Free offers and offers for National Coffee Day


Call to all coffee lovers! National Coffee Day is next week!

{Such a love offer? Check out all other current restaurant deals and free food deals!}

National Coffee Day at Dunkin Donuts

National Coffee Day is next Wednesday, September 29th! Check out the fun coffee freebies you can win to celebrate:

Circle K offers a free cup of coffee when you send “FREE” to “31310”, redeemable only on September 29th.

Duck donuts Rewards members receive an in-app offer for a free Medium Cold Brew or Frappe, which can be redeemed in the shop or online from September 29 to October 1.

Dunkin donuts offers a free medium or large coffee with every purchase!

Einstein Bros. offers free hot or iced brewed coffee of any size with every purchase if you order in advance in the app.

Krispy Kreme offers a free brewed coffee, no purchase required.

Panera offers parents or carers free coffee all day long! Simply let the cashier know that you are a parent / caregiver to receive this offer. Besides, you can three free months of unlimited coffee when you sign up for your new coffee subscription!

Travel centers for pilots offers a FREE coffee (or any drink) in the Pilot Flying J app.

Scooters coffee is offering a free cup of brewed coffee via Scooter’s Coffee mobile app on September 29th.

7-Eleven offers 7Rewards loyalty members free hot coffee of any size when purchasing baked goods in participating 7-Eleven stores.

Do you know of any other giveaways or offers for National Coffee Day? Let us know in the comments!

Use a Mortgage Broker versus a Lender


When looking for a home purchase loan, there are several options available to you. For example, you can work with a mortgage broker who will consider your specific needs and circumstances and compare the rates of different lenders. You can also do your own research and work directly with one who fits your needs and offers you the best rate.

A mortgage broker is an optional third party who connects home buyers with lenders. They collect and review information from you such as: B. Your income and creditworthiness, and use them to find credit and negotiate rates and terms on your behalf. They can either be paid by you or the lender so make sure you understand a particular broker’s fee structure before working with them. Sometimes, even if the lender pays, these costs are only included in your loan.

A lender is a financial institution, such as a bank or credit union, that provides the actual loan to home buyers. When choosing a lender, consider the details of your situation and pursue the best rates. For example, if you live in a rural area and are looking for a , you should focus your research on lenders who have a lot of experience with this type of loan.

While there is no need to work with a mortgage broker, some home buyers will appreciate the advice, convenience, and industry knowledge that they can provide.

Working with a lender without the involvement of a mortgage broker also has benefits such as cost savings and direct communication.

Thanks to the internet, it’s much easier on your own than in previous years. By carefully weighing your own needs and individual situation (such as ) You can search for lenders who meet your criteria, whether you are lending yourself to lenders or working with a broker.

US equity portfolio manager explains the seven-step investment process


the Third step identifies growth drivers. Sanders carries the words of an old mentor – “Always understand what drives sales”. For example, when Sanders first invested in Amazon in 2003 when the stake was $ 17, the online penetration of retail sales in the US was only 3%, but he believed that number would increase significantly over time. He met with Jeff Bezos, who explained his competitive advantages – greatest choice, lowest price, and convenience -, completed his analysis, and bought the stock. Sanders said, “This is an example of a company that has had a clear growth driver – the penetration of its end market with offline retail going online.”

the fourth step is a balance sheet analysis that goes into detail from a cash flow perspective, while the fifth step is a management team review. Sanders doesn’t care about a company’s newest shiny product, but instead wants to understand the key assumptions that go into his team’s investment process. ESG factors are also analyzed at this stage, including the composition of the board of directors and the compensation model.

Step six is critical and involves Sanders creating four scenarios – Best Case, Base Case, Bear, and Worst, all of which are five-year minimum discounted cash flow models. The baseline scenario is what he thinks the stock is worth today, an estimate in cents of the dollar, or intrinsic value. If Sanders thinks a stock is worth $ 100 and it is trading at $ 70, it’s 70 cents. He said, “We have this list of companies that we track, and it’s sorted by cents on the dollar every morning. When the stocks hit 70 cents we review the analysis and buy, and when the stocks hit 100 cents we sell. In short, this is our process. “

These values ​​are updated quarterly, in Step sevenSo it’s a moving target backed up by in-depth fundamental research, where a team of 10 looks at one stock at a time before putting it on the team for debate.

While many investors are focused on what’s happening this quarter, Sanders told WP that he thinks longer term, an approach illustrated by the March 2020 crash. He saw a health crisis, not a problem with the consumer who ultimately drives the economy. Now in its third money management market cycle, the portfolio manager realized that many elements were indeed in good shape, from millennials with no mortgages, a US real estate market continuing its recovery from the 2008 global financial crisis, and a banking system undergoing 10 years of stress testing the Federal Reserve was doing well.

Understand the markets this week: September 27, 2021


There are concerns about the regulatory environment in China. We also have rising energy prices and fears of an energy crisis, as we mentioned last week. There is an ongoing debate about whether inflation is temporary or whether it will last a while. And can central banks start scaling back their bond-buying programs without sending shock waves through the equity and bond markets?

In this post we looked at what a taper tantrum is and what is QE (quantitative easing).

All in all, buy-the-dippers were right on schedule, pushing the markets up around 3.5% from the week’s low (for US stocks). Canadian stocks similarly rebounded, led by energy stocks that were in crisis for the month.

Given the inflated valuations for the US stock market, I think a real correction is healthy. But this real correction seems illusory. But margin calls would drive a stock market correction into a reasonable range. Let me explain: leverage (borrowing for investment) is at an outrageous level. Corrections in asset prices are often accelerated by margin calls. Then the broker gets nervous about an upcoming correction and sends you a message letting you know it is time to pay. Investors often have to sell assets to pay the bill. This increased sales can put further pressure on the markets and generate more margin calls. It becomes a vicious circle, a downward price spiral.

I asked Lance Roberts (no relationship), chief strategist at RIA Advisors, at what level of correction we would normally start the margin call cascade. Roberts said this is happening at the 20% pullback level.

While we may not be able to time the markets, this may be the right time to remind you to stick to your rebalancing plan: trim the stocks and other assets that are being propelled to new highs to meet your allocation goals in To keep check. And of course, keep all capital gains and tax issues in mind.

If we hit that 20% correction level and then a margin call event occurs, be ready to go the other way. You may be given the option to buy at margin sale prices.

Fed Policy Meeting Report: Loudest voice speaks softly

The Federal Reserve was not expected to announce a major policy change at the end of its Wednesday, September 22nd session. And Fed chairman Jay Powell did not disappoint when he was given the opportunity to say nothing. Of course, there is no rate hike, nor is there a date or clarity as to when they might start curbing their bond purchases. These bond purchases help lower interest rates and the overall cost of borrowing.

Passive Real Estate Academy (PREA)


Over the years I’ve spent a lot of time talking about the different ways to create passive income and the numerous benefits of investing in passive real estate (like syndications and funds), and one question I hear most often –

“How do I invest in real estate without being a landlord?”

Understandably, most of us want to create additional sources of income without having to exchange our valuable time for money. We’re busy professionals and if we had more time we’d rather spend it doing the things we love with the people we love.

For this reason, the idea of ​​investing in deals like syndications and real estate funds is preferred 3 to 1 over active real estate investments (direct ownership as a landlord).

As anyone who has read my blog knows, buying your own rental property can be a powerful way to create wealth. In fact, I still keep a portfolio of my own properties. However, I have found that since I have reached a stage in my life when time is the scarcest resource, I would rather use the experience, effort, and time of professionals to help me achieve my goals.

The question is how can we be sure of knowing which business to invest in, and more importantly, which business to NOT invest in.

I’ve spent years of trial and error and many mistakes putting together a roadmap to success in passive real estate investing.

Over the past few years, we’ve trained people using the roadmap and now have over 1,000 doctors sharing and reviewing business together in our investor community. It’s true, there is strength in numbers.

We would like to invite you to become part of our community.

We introduce … Passive Real Estate Academy – learn to invest confidently in passive real estate transactions (such as syndications) in 4 weeks.

In creating this community, we recognized the lack of a highly authoritative, credible resource teaching the process of reviewing a business, valuing a property, and next steps … all with the busy professional in mind.

More about the course here …

This course enables you to:

  • Understand the power of investing in passive real estate to achieve your financial freedom by keeping more of what you earn
  • Before investing in a business, ask the right questions
  • Understand the math behind valuing an asset
  • Trust your decision as an investor
  • Have access to an incredibly supportive community of like-minded people who are on the same journey as you
  • Lifelong access to the Platinum Investors Club with course mates and academy alumni to review business deals and forge partnerships
  • Find true freedom by creating multiple sources of income and practicing medicine on your own terms
  • Invest in a deal by the end of the year


Course overview

Unlike most lengthy online courses, this one is designed so that you can actually complete it. Our goal is to help you achieve your desired results by completing this course at your own pace.

So we’ve broken the course down into weekly, bite-sized modules that include study videos, worksheets, checklists, and other downloadable resources.

Plus, you’ll get access to an exclusive Facebook community where we hold live Q&A and share actionable tips for your weekly course.

3 great things you will learn from PREA:

  • How to Avoid a Potentially Costly Mistake by Knowing How to Do Proper Due Diligence
  • Get access to the best, most exclusive, pre-approved offers and guides from industry experts
  • Become part of a dedicated community of like-minded investors with similar goals

Platinum Investors Club

After completing the course, so many people had an ongoing, engaged community to share their knowledge and resources with.

So we have them PIMD Platinum Investors Club to continue to offer additional learning modules, access to experts in tax, real estate, asset protection and an incredible community to share opportunities and the latest industry updates.

Our 1,000+ members share opportunities and review deals as a community to see if our rigorous due diligence process is in place. Investing can be a team sport and that’s exactly what we created.

When you attend the course, you have instant access to the Investors Club.



Don’t just follow our words; This is what some of our academy alumni say …

“That was honestly the best course I’ve taken so far, and I seem like a course junkie. It gave me the confidence to invest in my first deal. I can’t wait for the next deal. The community and collaboration was great. “

– Dr. Adam Broussard (Pediatric Anaesthesiology)

“I started with no knowledge of passive real estate as I had never invested in real estate before. The course was very helpful and I benefited most from the live Q / A sessions where the deals were discussed. I found the FB group extremely helpful and learned a lot from other group members. I finished the course by investing in two syndications! Thank you for this wonderful course! I look forward to future course updates! “

– Dr. Jing Gill (Dermatology)

“I was very nervous about investing because of my lack of knowledge. This course gave me the knowledge I needed. I now know what to look out for, what questions to ask and how to find good investments. The course is easy to understand and gives you the confidence to make investments. The lectures are short and concise so that you can complete the course even when the workload is high. “

– Dr. Jennifer Cooper-Lewis (Emergency Medicine)

“This was both a great introduction to the world of real estate investing and a deep dive into the essence of syndication and valuation of deals. Best of all, I sat down and literally wrote down my goals and budget. Just switching to money was worth the cost of the course. Now I look forward to moving forward with a different way of diversifying my investments. “

– Dr. Marie Frando Frost (physical medicine)

Time to act

Real estate is much more than just buying and selling real estate, and investing in real estate can be intimidating to say the least. There are several ways to learn about the subject through books, conferences, courses and hands-on experience, all of which can last anywhere from a few months to several years.

However, if your goal is to speed up the learning process to achieve massive growth in a short period of time then the Passive Real Estate Academy is your opportunity to do so by using some of the most proven and successful investment strategies that will speed up your real estate portfolio can real estate investment trip.


The course starts on September 29, 2021, and runs for 4 weeks plus a bonus week. You can view it at your own pace and have lifetime access to it and all future updates at no additional cost.

Your investment is only $ 1,997, which is what many investors got on the first deal in the first year.

Our Guarantee: We want you to find your tribe the way you found them and want to become a legacy member. I will give you a full refund.

As always, thank you for being part of this community. I hope to continue to offer you support, guidance and immense added value along the way. See you there…

Diversity is not a pipeline issue; It’s a network problem


A Common Refrain Walter Booker, Chief Operating Officer of MarketCounsel, often hears from consultants that they would like to hire people of color, but they fail to find talent. Still, people of color made up a third of the US population, and 80% of financial advisors on the RIA channel are white men, he said.

“You have to ask yourself, ‘If you can’t find a third of the population, where are you looking?'”

During a panel discussion at the Morningstar Investment Conference, wealth management executives said the industry diversity problem was not due to a lack of talent; There are many highly skilled, non-white, non-male finance professionals out there. Consultants just don’t do a good job of finding them and then keeping them.

“The goal is not to perpetuate what we have,” said Booker. “That is not sustainable. The goal is to continuously create something new, different and better, and that means being open and moving forward proactively, on purpose, on purpose and with a very clear direction.

Mark Tibergien, former CEO of Pershing Advisor Solutions and independent director of Pathstone, a $ 20 billion multi-family office and RIA, said the industry is not very good at developing a human capital strategy.

“If there’s a talent shortage, it’s because you didn’t really care about how your brand was positioned in the marketplace. This also includes addressing various candidates, but candidates in general. “

Many companies have made no effort to value diverse contributions and create career paths for individuals.

“Without a framework for how you can attract more people to your company and then keep them, it makes it very difficult for companies to influence diversity,” said Tibergien.

He adds that there is a capacity problem rather than a talent shortage.

“The number of active relationships a consultant can manage is physically limited. So if you don’t increase capacity, you limit your ability to grow, ”said Tibergien.

The industry should also be aware of the rough assumption in the recruiting and networking process that customers only deal with people who look like them. Tibergien cited the example of former LPL advisor Eileen Cure, who allegedly told her staff that she did not want to interview black candidates.

“I think for the most part people are looking for competence,” said Tibergien. “The greatest humiliation is the tendency to underestimate people.”

Finding white male advisors is pretty easy, said Rianka Dorsainvil, co-founder and co-CEO of 2050 Wealth Partners, a virtual, paid, comprehensive financial planning firm. But consultants have to be willing to get involved to find more diverse candidates, and that takes time.

“Diversity, equity and inclusion will not be a short-term game,” she said. “It’s going to be something that has to be in the long run.”

To do this, the consultants have to expand their network; Dorsainvil suggests attending conferences that you would not normally attend, such as the Association of African American Financial Advisors, and recruiting from historically black colleges and universities (HBCUs), many of which have CFP registered programs. Get involved in the Financial Planning Association’s Knowledge Circles, which are special groups for different communities, she said.

“You can’t have the excuse to say, ‘Well, I can’t find black and brown talent,'” she said.

Another common topic when it comes to diversity in the financial services industry was brought up by the panel discussion: Some white, male advisors often feel threatened by the discussion. Tibergien referred to a recent Twitter response to Dorsainvil promoting the Morningstar panel. A white consultant named Theodore Beza wrote, “Diversity, Equity, Inclusion: The Holy Trinity of Corporate Wake-ism. We who have worked in the corporate world know what “diversity” really means when we hear it – “white men go to the end of the line” # anti white

“It’s sadly a mindset that people think we’re talking about a lack of opportunity, rather than an abundance of opportunity, and that they are somehow being weeded out, just as white men have weeded out people of color and women for so long. as a form of discrimination, ”said Tibergien. “I think we need to understand a fundamental principle in financial services, which is that there is an overabundance of customers and an overabundance of opportunities and an under-supply of people who offer them.”

What to Do With Seasonal Pumpkins: 21 Fun, Creative Ideas


It’s the season of the pumpkin and there are so many uses for these oversized orange pumpkins that go beyond a toothed jack-o’-lantern. (Yes, pumpkins are from the pumpkin family.)

In no way do we recommend that you skip the time-honored tradition of carving that happy or scary face into a hollowed-out pumpkin. Carve diem. Take the pumpkin. After all, this is the time of year when they are cheapest.

If grocery stores and farmers markets are full of pumpkins at this time of year, buy two. Carve one and save the other for one of our 21 pumpkin uses. You can use a pumpkin for toasted seeds, cakes, and maybe even soup, depending on how big it is.

Pumpkins: They’re not just for Jack-O’-Lanterns anymore

Whether it’s a tasty snack, home decor, or a science project, your pumpkin has endless possibilities. True penny hoarders like the idea of ​​reusing carved pumpkins after Halloween, but it’s not the best idea. In the warmer southern states, the pumpkin is likely mushy and is well past its prime after being exposed to the elements for a week or more. Plug, bug.

Eat your pumpkin

We came up with a pumpkin recipe for every part of your pumpkin – even those stringy entrails.

While pumpkin carving isn’t quite as flavourful as other varieties (like sugar or cake squash), they still work for any of these dishes. However, they have thinner skin, which makes them easier to care for.

Pro tip

You can find the best prices for pumpkins at farmers markets, independent seasonal stalls, and church pumpkin fields. The average pumpkin costs around $ 3, but you have to pay more for an oversized pumpkin.

1. Make pumpkin puree

While it doesn’t sound appetizing on its own, pumpkin puree is a versatile use of fresh pumpkin.

It’s incredibly versatile: you can use the puree in pumpkin muffins, bread, and soups – even a delicious Thanksgiving pumpkin pie. Pumpkin puree is the basis for most of the delicious dishes on this list.

The puree is easy to make: boil, bake, or steam your pumpkin, according to Good Housekeeping. If you find yourself in a cold climate and your carved pumpkin is still good enough to relax, be sure to cut off and discard any burnt sections or scraps of wax when you light it with a candle.

The puree can be frozen well for later use. Store in zippered freezer bags that are filled and partially flattened for easy stacking.

2. Brew the pumpkin and spice latte

Tired of the versions that seem to be offered in every café? Instead of dropping $ 5 on a pumpkin latte that might not contain a pumpkin at all, make your own.

There are many do-it-yourself recipes out there. Here’s a favorite.


  • 3/4 cup milk, ideally 2%, for the latte (if you are making cafe au lait, 1/2 cup milk gives a coffee / milk ratio of 2: 1)
  • 1 espresso shot for the latte (or 1 cup of drip coffee)
  • 1/4 teaspoon pumpkin pie spice mix (or mix your own with cinnamon-ginger-nutmeg mix)
  • 1 teaspoon maple syrup
  • 1 teaspoon pumpkin puree
  • 1 teaspoon vanilla extract
  • Optional: cinnamon sticks and / or maple pumpkin butter as a garnish

Measure out the milk and pour it into a saucepan on your stove. Add pumpkin pie seasoning, maple syrup, pumpkin puree, and vanilla extract. Mix well. Heat the mixture over medium / hot heat, stirring occasionally.

Meanwhile brew coffee or espresso. For café au lait, use a pumpkin and spice mix like one from Dunkin ‘Donuts or Trader Joe’s.

When the milk is hot, just before boiling, remove the milk from the stove and froth it with a milk frother. The mass should double and form a nice foam. If you don’t have a frother, you can find one online for less than $ 20 (like this one) or use your blender.

As soon as the milk is frothed, combine with espresso or coffee in a cup. Garnish with pumpkin pie spice. If you want, add a stick of cinnamon or drizzle with a little maple pumpkin butter.

A pumpkin beer sits next to two pumpkins.
Getty Images

3. Enjoy a pumpkin cocktail or a pumpkin beer

For those looking for something stronger than a latte, leave it up to Ree Drummond, the Food Network pioneer, to create 15 cocktails that use pumpkin as the main ingredient.

4. Bake a pumpkin lasagna

Do you need a fall dinner idea for the family or the company? Try this delicious vegetarian pumpkin lasagna.

Taste of home calls it a “calming autumn dish” – who doesn’t love that?

5. Make pumpkin butter

This seasonal delicacy tastes delicious on toast, in smoothies or on oatmeal. You can do it year round if you freeze extra pumpkin puree.

Check out this easy pumpkin butter recipe on Oh She Glows. Bonus, if that’s important to you: It’s vegan.

6. Snack on roasted seeds

They’re a classic snack for a reason. A handful of roasted pumpkin seeds is a delicious way to get iron, magnesium, zinc, and a healthy dose of fiber.

Toasting them is easy – dry out the seeds and bake them on a baking sheet with olive oil and salt – but play with the toppings to find one that works for you: salt and pepper, chili powder, or cinnamon are all good options. The hardest part about making them is getting rid of the clinging strings after digging them out of the pumpkin.

Here is one of many recipes in pumpkin verse.

7. Make vegetable broth with the bowels

While the pulp and seeds are often popular foods, the fibrous insides of pumpkins usually go straight to the trash (or compost). No longer!

Try adding them to other pieces of vegetables (carrot tops, onion ends) for a flavorful broth.

8. Bake pumpkin seed bread

If you’re looking for something heartier than soup, try this pumpkin bread recipe from Diana Johnson at Eating Richly. She calculates that it costs about $ 2 to make two loaves of bread.

9. Cook the pumpkin risotto

Another way to use this courage: pumpkin risotto. Scroll down to find the recipe for this delicious pumpkin risotto that Gothamist editor Nell Casey made from the New York Times.

10. Make pumpkin cucumbers

If you are obsessed with cucumbers, these babies should be checked out. For a sweeter cucumber with desserts or cheese platters, make Pickled Sugar Pumpkin from Serious Eats.

Looking for something with a little more kick? Try these South Indian Pumpkin Pickles from Promenade Plantings.

11. Dry the pumpkin skin into chips

Don’t worry, we haven’t forgotten the skin of the pumpkin.

Here’s a great way to make pumpkin chips that are bursting with color, crispness, and flavor.

Decorate with pumpkins

You can’t go wrong with pumpkins in your decor until Thanksgiving. Try any or all of these during the season.

12. Use pumpkins as serving bowls

File this idea down under “brilliant”: Save on decoration (and washing the dishes) by using pumpkins as serving bowls for soup or cider.

Here’s an easy way to make a Sanam Lamborn Pumpkin Bowl from My Persian Kitchen.

13. Turn a pumpkin into a planter

Keep the fall festivities going by using your pumpkin as a planter for a small potted plant.

The planter will last for several weeks, and then you can plant it right in your yard to decompose.

14. Build a pumpkin bird feeder

Maybe even the birds like to celebrate a change of season with different decor. Offer them a new dining room and make our neighbors smile with this simple bird feeder from Instructables.

People enjoy a Thanksgiving meal with pumpkins on the table for decoration.
Getty Images

15. Decorate the Thanksgiving table

No need to spend extra cash on table decorations – plan on keeping a pumpkin or two and you’re done. Use Pinterest for ideas and inspiration. In their natural orange they look warm and traditional. Spray them white and pumpkins will turn out elegant and fairytale like.

Your pumpkins will make it by Thanksgiving, as long as you choose wisely. An uncut, healthy pumpkin “can last 8 to 12 weeks,” Cornell University gardener Steve Reiners told NPR.

16. Make Pumpkin Snowmen

Why not try this cute, nifty way to give your pumpkins a purpose after the fall? You’ll start your winter decorating early – or if you’re feeling entrepreneurial, you can even try selling your creations.

Get creative

If you don’t want to cook or decorate with pumpkins, what else can you do? Try one of these fun ideas.

17. Relax with a pumpkin face mask

Late at a Halloween party? Recharge your skin with pumpkin’s best-for-you vitamins A, C and E.

Following this simple recipe from Beautylish, all you have to do is add honey and milk. Add these non-pumpkin ways to your list of ways to save money on DIY beauty products!

18. Build a pumpkin catapult

Here’s a great way to take one last look at the smoke-scorched, smelly carved pumpkin that weathered the heat or cold on your doorstep. Build a pumpkin catapult, also known as a trebuchet.

(Just make sure you have enough space.)

19. Turn a pumpkin into a canvas

This is a great opportunity for kids to have fun creating pumpkins, especially if they are a little young at carving tools.

The best part? All you need is some butcher or craft paper, some paper plates, stickers, or paint. The Artful Parent has a lot of details. If you decorate the pumpkin without carving it, it will stay in good shape to cook with.

20. Save the seeds

Not a fan of eating the seeds? Instead, hold them in place to plant in your garden next spring.

Growing your own pumpkins will save you money – and you can enjoy even more homemade goodies next year.

21. Compost your pumpkin

At the very least, you can grow an incredible garden with your leftover pumpkin next year. Cut it into smaller pieces and throw it in the compost heap, then mix it into your soil next spring.

Former Penny Hoarder employees Heather van der Hoop and Katherine Snow Smith contributed to this report.

Does a meal prep service make sense for your budget?


Meal prep services have become more common over the past few years. Grocery delivery services increased dramatically during the COVID-19 pandemic, when people restricted their travel outside the home. In addition to pure food delivery such as DoorDash or UberEats, more and more services were offered that delivered food packages. While these meal preparation services are not for everyone, they can be useful on certain budgets.

What is a meal prep service?

A meal prep service, sometimes called a meal kit, provides you with a set number of meals per week. You choose the number of meals and the meals you want and these will be delivered to your door. The ingredients are measured out in precise serving sizes, usually for one to four servings.

It is common for meal packages to offer a certain number of “free” meals when you first sign up. The idea is that with less financial outlay, you can try the food service to see if it’s something that works for you.

One thing to keep in mind is that these free meals don’t usually all come upfront. When you sign up for a 10 “free” meal offer, you will not only get 10 free meals. Instead, it can be a discount equal to 5 free meals for the first week, then 3 for the second week, and 2 for the third week.

What are some popular meal preparation services?

There are many, many meal preparation services out there. Each of these cooking utensil manufacturers have several characteristics, but sometimes they differ in some key areas. Here are some of the most common meal prep services:

  • Blue apron – At Blue Apron you have the choice between their signature recipes, wellness or vegetarian. You can also combine your recipes with their monthly wine subscription. The cost is $ 63 for three meals a week for two
  • Fresh – At Freshly you can choose between 4, 6, 8, 10 or 12 meals per week, each serving one meal for one person. Prices start at $ 8.49 per meal, plus shipping
  • Head chef – With Home Chef, you can choose from a variety of different meals each week based on your preferences and dietary restrictions. Meal plans start at just $ 6.99 per serving. You can also find Home Chef meal packages at select Kroger grocery stores across the country.
  • Hello Fresh – HelloFresh offers over 27 fresh recipes every week created by chefs and nutritionists. Prices start at $ 7.49 per serving, and you can easily swap, skip, or pause your order at any time

When does a meal prep service make sense?

While a meal set or meal prep service can be more expensive than cooking at home, it can make financial sense for some people. If you find that you are eating most of your meals in restaurants, a meal prep service can save you a lot of money.

The best way to find out if a meal prep service makes sense for you is to take a look at your current meal budget. How much money do you spend on groceries each week or month? Is this mainly spent on groceries, single meal deliveries, or restaurants? Track your expenses with a tool like Mint to find out where your money is going now.

Then you can check out a few different meal prep kits and their prices to see if this makes sense for your budget. Keep in mind that many of these companies have introductory pricing so you may even be able to try a few options to find one that works for you. Another thing to remember is that some of the meals may be large enough to serve as a leftover lunch the next day as well, further reducing your cost per meal.

The bottom line

Using a meal prep service can be more expensive than buying your own food and cooking it at home. But if your cooking skills, time, or energy don’t allow this luxury right now, using meal sets can be cheaper and healthier than ordering a delivery or eating out at restaurants. You may even find that meal kit preparation is a great first step in becoming more confident about preparing your own meals.

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Dan Miller (75 posts)

Dan Miller is a freelance writer and founder of, a website that helps families travel for free / cheap. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and 6 children.


Why the Ontario Teachers Acquisition Will Advance HomeEquity’s Wealth Channel


Additionally, Ranson pointed to the trend that a large percentage of assets leaving the counselor channel come from parents giving money to their children. He added, “Here’s a way to do it differently and ensure that advisors can manage the assets under management.

“In general, retired people have three pools of wealth – registered assets, unregistered assets, and their home. The general idea seems to be to mine all of your unregistered assets, then mine your registered assets, and the last thing you do is sell your home. We just don’t think this is the most tax efficient way to do it.

“If we can educate people about different ways the product can be used to help people manage their after-tax income, these are the types of investments teachers can make to help us do that.”

After 25 years in business, Ranson said, it remains the only product that does what it does – “People never have to make a payment, the mortgage is never extended, and they can stay home for as long as they want.” The other tailwind the strategy has is the impact of COVID-19, where people are realizing they really don’t want to move to any care facility of any kind.

“They think moving is expensive. In the past, you could sell your house, downsize it into a condo, and actually take some money off the table. But condo prices have risen so much that this isn’t a great option. Is that a COVID effect? Or just a real estate effect? I’m not so sure, but it definitely helps our business and it has helped us quite a bit since the fourth quarter of last year. “

Take weekly screenshots of your online energy account in case your supplier goes broke


Take screenshots of your energy account in case your provider goes bankrupt

In this week The Martin Lewis Money Show, which aired yesterday (September 23), Martin encouraged viewers to keep a weekly record of their energy account in case their supplier goes under. He said, “If you can, log on to your energy company’s website and take a screenshot of how much credit you have and what your bill is.

“The reason for this is that when a company goes bust, the website goes offline so you no longer have a record, and this could be difficult if you want to keep a record of your previous credit history. So take a screenshot; keep a record of it. “

Martin also warned viewers that the six utilities that went bankrupt this month – Avro Energy, Green, PFP Energy, MoneyPlus Energy, Utility Point, and People’s Energy – may not be the last. He said, “Some business experts have said that up to 25 other companies will go under, some of them with millions of customers.

“This is not about small companies, but also about medium-sized to large ones. There may only be 10 or fewer energy companies left if the wholesale gas price doesn’t go down soon. So get your screenshots and do it every week. We’re still in the middle of this crisis. “

If a supplier goes bankrupt and your account has built up, the Ofgem energy regulator will appoint a new supplier who will pay you back any monies you owe – even if you started switching before the company went down. The supplier commissioned by Ofgem should contact us here to agree on a refund – even for those who have not switched to it – but this can take a while.

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