“America’s Finest City” has a price-point, and amenities, that live up to its nickname.
The eighth-most populous city in America, San Diego typically ranks around the same for the cost of living compared to other major cities in the country. Overall, San Diego’s cost of living comes in at 44 percent above the national average.
While that may seem steep, it’s important to realize that within this expensive city, there are plenty of pockets where the cost of living is more affordable. San Diego residents may already know where to look, but it’s something you can calculate, too. It’s all about understanding the price, and whether your expenses are still affordable in the city.
Below, we break down the five factors affecting the cost of living in San Diego to help you discover if “America’s Finest City” is a fit for you.
1. Housing costs and utilities in San Diego
Housing in San Diego doesn’t come cheap. In fact, the uninitiated may experience sticker shock at first glance when it comes to home prices.
Overall, housing costs are a whopping 115.6 percent higher than the national average. This is only slightly below the housing costs in Los Angeles and Orange County, and considerably higher than most California cities.
The average rent for a one-bedroom apartment in San Diego is about $2,887 per month, which is a 1 percent decrease in cost over last year. A two-bedroom is around $3,788 per month on average, a 1 percent increase over last year. Those prices fluctuate depending on the neighborhood and amenities.
If you’re looking to buy a home, the median price in San Diego is $930,000. Home prices are up 3 percent over last year. Most homes in San Diego sell within days, so if you have the means, you need to act fast.
To better understand how housing costs in San Diego compare to the rest of California, the average cost for a two-bedroom apartment in San Francisco is $4,939, over $1,151 more. The average home price in Los Angeles is $975,000, $45,000 more. The San Diego cost of housing may feel high, but it’s definitely not the highest in the state.
Apartment hunting around San Diego County
Although San Diego is an expensive city, prices vary greatly based on the neighborhoods you decide to check out. The difference in living expenses between a more expensive San Diego spot, and the least expensive, is pretty significant.
Trendy North Park, with its vibrant restaurant and nightlife scene, is an expensive neighborhood in the city, with one-bed rental prices at $2,300 per month on average. But, rest assured, there are plenty of areas offering apartments for a fraction of that price.
Case in point, City Heights, located inland and to the east of many better-known San Diego communities, offers one-bed apartments for an average rent of $1,700. Areas like Colina del Sol and Paradise Hills are also on the more affordable side, with one-bed rents averaging the same at $1,650 a month.
Utilities in San Diego
San Diego is known for its beautiful weather. Average temperatures hover around 76 degrees Fahrenheit for most of the year, but you’ll still feel some seasonal change, lots of rain and the occasional cold front.
If you live inland, summer days are scorchers, leading locals to crank up that air conditioning. On the flip side, some nights in the winter get really cold. As a result, a person could pay a hefty price for AC and heat.
Taking this into account, overall utility costs are 13 percent higher than the national average. This is an actually a increase over last year, where this particular piece of the cost of living in San Diego was 10 percent above the national average. Inflation has contributed to this number for every state.
2. Food costs and goods and services in San Diego
San Diego is famous for its diverse culinary scene. Whether you’re more inclined to try a pasta dish in Little Italy, some chile rellenos at an authentic Mexican restaurant in Old Town or fish tacos, a local favorite, you can find a deal on a meal just about anywhere. However, when it comes to casual dining, meals average out to around $25 per person.
Of course, most people don’t eat out all the time. With dozens of quality supermarkets and plenty of neighborhood farmer’s markets, meal planning and finding a deal on food is easy.
Keep in mind that groceries in San Diego run 10 percent higher than the national average. You’ll pay extra for certain staples like milk ($2.17 for a half-gallon), eggs ($4.85 for a dozen), bread ($3.63 for a 24-ounce loaf) and ground beef ($8.08 per pound).
Commodities and entertainment costs
As you tally up expenses in your cost of living calculator, don’t forget to budget for goods and services. This includes all the extras on your monthly expense sheet that you could live without, but really don’t want to deny yourself.
This category includes things like a session at a yoga studio ($24), movie tickets ($12.5 each), dry cleaning ($24) and a trip to the beauty salon ($80).
Overall, goods and services in San Diego cost 10 percent more than the national average, a slight dip of less than one percent over last year.
3. Transportation costs in San Diego
One of the many luxuries about life in San Diego is that the freeways are much calmer than those of Los Angeles. Traffic is tame during most hours of the day, although it gets a bit congested around common commute times. Still, transportation expenses are slightly higher than those in Los Angeles and 30.4 percent higher than the national average.
For any person who decides to use a car to get around the city, be prepared to pay to park. Parking can range from as little as $7 to as much as $32 based on parking type and whether you need to keep your car there overnight.
For those who choose to forgo driving altogether, San Diego offers an accessible public transportation system. The San Diego Metropolitan Transit System provides bus and trolley services across San Diego County, including a dedicated line for the University of California, San Diego.
Bus and trolley fares are the same. One way will cost $2.50, but you can purchase a day pass for $6 or a monthly pass for $72. Family weekends allow you to save a little on transportation. Up to two children, 12 and under, can ride free with a fare-paying adult.
If you just want to get around and enjoy life outside, San Diego’s layout makes it ideal for walking — it’s also convenient for bike enthusiasts. The city has a walk score of 53 and a bike score of 43.
4. Healthcare costs in San Diego
Healthcare is a primary concern in most people’s minds, and in San Diego, you can expect to pay slightly more in this category — about 7.2 percent above the national average. This is a slight dip in overall costs from last year.
Prices now are about 1.4 percent less. It’s also not the highest-priced city in the state by far. Los Angeles and most major cities in Northern California are higher than San Diego’s cost of living for healthcare.
A visit to a doctor will cost you about $145, while a dental checkup will run you around $120. You can also expect to pay a bit more for medications. For example, the median price for a bottle of Ibuprofen is about $13. When you factor in the maintenance appointments you’ll need each year, and your list of prescriptions, the price can add up.
Calculating average healthcare costs for everyone is difficult. Everybody has different needs for their body and healthcare routines vary drastically. As a result, you should consider your typical healthcare routines when creating your cost of living budget, factoring in your medicine regimens and insurance coverage.
5. Taxes in San Diego
Since taxes vary by location, it’s easy to get confused when it comes time to budget accordingly. Sales tax in San Diego is 7.75 percent. However, neighboring cities, where you may go shopping, can vary.
Live in San Diego, but prefer to shop in Oceanside? You’ll pay 8.25 percent in sales tax.
How much do I need to earn to live in San Diego?
Earlier, we discussed the fact that the housing piece to your cost of living in San Diego is quite a bit more than in other locations.
Experts generally recommend you allocate at least 30 percent of your annual income to rent, which means you should know the average salary that aligns with the average rent.
If a one-bedroom in San Diego is $2,879 per month, you’d need a job that pays at least $115,160 per year. You may have to consider a roommate or some creative living situation, given that the median annual income in San Diego is $89,457.
Although lower than what you’d need to pay the average rent, it’s not impossible to live comfortably. Our rent calculator can show you exactly how much you can afford and help you target specific areas within your budget.
Living in San Diego
San Diego is a wonderful place to live if you love warm beaches, temperate climates, great food and a lively club scene. It’s no wonder 35 million people visit each year and some of them end up living in San Diego after their vacation.
Whether those people choose to plant roots depends a lot on budget. What can you afford?
The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of August 2023.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.
If you’re exploring career options, pharmacy might have popped up on your radar — and for good reason. Not only can pharmacists command a good salary, they also have job security, as the pharmaceutical industry is one that won’t vanish any time soon.
That said, how much does a pharmacist make? Is it worth all the trouble of going through pharmacy school to become one? Let’s find out.
What Are Pharmacists?
You’ve likely picked up a prescription or two at a pharmacy, but maybe you didn’t give any thought to the person behind the counter. This individual is your local pharmacist, and it’s their job to prepare and dispense prescription medications.
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Pharmacist Job Responsibility Examples
In addition to doling out prescription drugs, pharmacists also consult with patients, provide instructions for how to take medications, and help patients find low-cost medications. Some also give health screenings and immunizations.
Keep in mind, a pharmacist often needs to be outgoing, since their work involves speaking with patients throughout the day. If that’s not your personality, you may want to look into jobs for introverts. 💡 Quick Tip: We love a good spreadsheet, but not everyone feels the same. An online budget planner can give you the same insight into your budgeting and spending at a glance, without the extra effort.
How Much Is a Starting Pharmacist Salary?
As with most professions, pharmacists tend to earn more money as they gain more experience. But what is a good entry-level salary for pharmacists?
Pharmacists with less than a year of experience generally earn, on average, about $54 per hour. That’s $112,320 per year.
Of course, how much you actually can earn depends on where you live, what your duties are, and whether you work for an independent pharmacy or a chain. It can also help to research the highest-paying jobs by state.
Recommended: Is a $100,000 Salary Good?
What Is the Average Salary for a Pharmacist?
Now that you see what starting salaries are for pharmacists, let’s address the next question: How much money does a more experienced pharmacist make?
Generally speaking, pharmacists are usually paid by the hour. A pharmacist with 10 years of experience earns an average of $67.05 per hour. That adds up to $139,464 per year.
What Is the Average Pharmacist Salary by State for 2023?
The amount you make will depend on where you live, among other factors. Here’s a look at the average pharmacist salaries by state, from highest to lowest.
State
Salary
California
$161,597
Oregon
$155,710
Washington
$149,466
New Hampshire
$141,041
Nevada
$140,869
Maine
$139,517
Vermont
$137,658
Delaware
$136,276
Maryland
$135,894
Connecticut
$134,175
Alaska
$134,044
Massachusetts
$131,978
Rhode Island
$131,960
New Jersey
$131,698
New York
$131,594
Pennsylvania
$129,724
New Mexico
$129,145
Wisconsin
$128,918
Minnesota
$128,502
Virginia
$128,380
Hawaii
$128,245
Arizona
$126,174
Idaho
$125,760
North Carolina
$125,068
Michigan
$124,768
Colorado
$120,986
Illinois
$120,887
Kansas
$118,122
Ohio
$117,573
Kentucky
$117,448
Indiana
$117,338
Missouri
$116,513
Nebraska
$116,366
Utah
$116,009
South Carolina
$115,570
West Virginia
$115,339
Texas
$115,089
North Dakota
$114,359
Georgia
$114,118
Tennessee
$112,879
Wyoming
$112,326
Montana
$111,924
Iowa
$110,405
Florida
$109,106
Alabama
$106,271
Mississippi
$105,677
Louisiana
$102,542
South Dakota
$100,246
Oklahoma
$98,951
Arkansas
$89,660
Source: Zippia
Recommended: Pros and Cons of Raising the Minimum Wage
Pharmacist Job Considerations for Pay & Benefits
Where you live is one factor that can determine how much you earn as a pharmacist. Your on-the-job responsibilities may also play a role. For example, there are different job titles, and each has its own set of responsibilities, requirements, and salary ranges. Examples include:
• Staff pharmacist
• Pharmacy specialist
• Clinical pharmacist
• Pharmacy manager
• Director of pharmacy
Some pharmacists may have roles and responsibilities beyond filling prescriptions, such as offering immunizations and health screenings. Some may be in charge of hiring and managing other employees. Some may work in traditional pharmacies, while others may work for companies focusing on chemotherapy, nuclear pharmacy, or long-term care.
Recommended: 25 High-Paying Trade Jobs in Demand
Pros and Cons of Pharmacist Salary
While being a pharmacist can be a rewarding job, there are potential drawbacks to keep in mind. Let’s look at some pros and cons.
Pros of Being a Pharmacist
Naturally, the high salary pharmacists tend to command may be one reason to consider this career path. Because many pharmacists get paid by the hour, they’ll be compensated fairly for their time even if they work more than 40 hours a week.
Another perk is that you may have a flexible schedule that allows you to work part-time or during certain hours. There could even be opportunities to work remotely, which may be useful if you’re working in a rural area.
You might also be able to open your own pharmacy instead of working for someone else. This brings freedom and flexibility to you as a business owner.
Finally, you’ll be a valuable member of your community, since it’s your job to help people on their path to wellness.
Cons of Becoming a Pharmacist
If becoming a pharmacist was easy, everyone would do it! For starters, you’ll need to have about six years of education after high school. And the cost of pharmacy school can range anywhere from $5,000 to $30,000 a year for an in-state public college, or $20,000 to $95,000 a year for a private school.
Depending on your financial situation, this could require you to tap into savings or take out student loans. (Creating a budget while you’re in school or just starting out can help you keep track of where your money is going. A money tracker app can help make the job easier.)
Another possible drawback? Some pharmacies may not guarantee a certain number of hours a week, and in that case, being paid hourly may not come with the big paycheck you’d expect.
Also keep in mind that some pharmacists work long hours, which can have a negative impact on your health and mental wellbeing. 💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.
The Takeaway
If you’re looking for a rewarding and potentially lucrative job, becoming a pharmacist might fit the bill. You’ll help your local community get healthier, and depending on where you live and your level of experience, you could earn competitive pay, too.
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FAQ
What is the highest pharmacist salary?
The state where pharmacists tend to earn the most is California. The average annual income of a pharmacist there is $161,597.
Is it hard to be hired as a pharmacist?
Becoming a pharmacist requires six years of education after high school. The workload is challenging, and pharmacies looking to hire generally have high expectations of applicants.
Photo credit: iStock/ADragan SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.
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star ratings rank Medicare plans from best (5 stars) to worst (1 star). The agency’s ratings are based on data measuring plans’ quality of care and customer satisfaction.
Based on the most recent year of data and weighted by enrollment, Baylor Scott & White Health Plan’s 2024 Medicare Advantage plans get an average overall rating of 3.96 stars
.
For comparison, the average star rating for plans from all providers for 2024 is 4.04
.
What does Baylor Scott & White Medicare Advantage cost?
Costs for Medicare Advantage plans will depend on your plan, geographic location and health needs.
Premiums
One of the costs to consider is the plan’s premium. In 2024, about 39% of Baylor Scott & White’s Medicare Advantage plans have $0 premiums
.
Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $164.90 per month in 2023 ($174.70 in 2024), although some plans cover part or all of this cost
.
Copays, coinsurance and deductibles
Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:
Whether the plan covers any part of your monthly Medicare Part B premium.
The plan’s yearly deductibles and any other deductibles, such as a drug deductible.
Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.
The plan’s in-network and out-of-network out-of-pocket maximums.
Whether your medical providers are in-network or out-of-network, or how often you may go out-of-network for care.
Whether you require extra benefits, and whether the plan charges for them.
To get a sense of costs, use Medicare’s plan finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Baylor Scott & White plans or compare across carriers. You can also shop directly from Baylor Scott & White Health Plan’s website by entering your ZIP code.
Baylor Scott & White Medicare Advantage plan types
There are several kinds of Baylor Scott & White Medicare Advantage plans, and they vary in structure, costs and benefits. About 65% of Baylor Scott & White Medicare Advantage plans include prescription drug coverage.
Plan offerings include the following types:
A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.
HMO-POS plans
HMO point of service (POS) plans are HMO plans that allow members to get some out-of-network services, but they’ll pay more for those services.
Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.
Baylor Scott & White Medicare Advantage service area
Baylor Scott & White Health Plan offers Medicare Advantage plans in 47 counties in Texas. The company covers about 29,000 Medicare Advantage beneficiaries
.
Compare Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
Find the right Medicare Advantage plan
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Medicare Advantage plans are available in Florida only, and the provider’s star ratings from the Centers for Medicare & Medicaid Services (CMS) are slightly below average. Member experience ratings, however, are above the average for major providers.
Here’s what you should know about Florida Blue Medicare Advantage.
Florida Blue Medicare Advantage pros and cons
Florida Blue’s offerings have advantages and disadvantages.
Pros
Members give high marks: Member experience ratings on metrics like customer service and getting needed care are above the average for major providers.
Mix of plans: Florida Blue offers both HMO and PPO plans, giving members more options for care.
Cons
Below-average star ratings: Florida Blue Medicare Advantage plans score slightly below the industry average star rating from CMS — 3.74 for 2024 plans versus 4.04 for the industry as a whole.
Limited availability: Florida Blue offers Medicare Advantage plans in Florida only.
Florida Blue Medicare star ratings
Average star rating, weighted by enrollment: 3.74
The Centers for Medicare & Medicaid Services maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.
Based on the most recent year of data and weighted by enrollment, Florida Blue’s 2024 Medicare Advantage plans get an average rating of 3.74 stars
.
For comparison, the average star rating for plans from all providers is 4.04
.
What does Florida Blue Medicare Advantage cost?
Costs for Medicare Advantage plans depend on your plan, your geographic location and your health needs.
Premiums
One of the costs to consider is the plan’s premium. In 2024, about two-thirds of Florida Blue Medicare Advantage plans (65%) that aren’t special needs plans (SNPs) have a $0 premium
.
Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $164.90 per month in 2023 ($174.70 in 2024)
Centers for Medicare & Medicaid Services. Costs. Accessed Dec 14, 2023.
, although some plans cover part or all of this cost. (Most people pay this standard amount, but if your income is above a certain threshold, you’ll pay more.)
Copays, coinsurance and deductibles
Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:
Whether the plan covers any part of your monthly Medicare Part B premium.
The plan’s yearly deductibles and any other deductibles, such as a drug deductible.
Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.
The plan’s in-network and out-of-network out-of-pocket maximums.
Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.
Whether you require extra benefits, and if the plan charges for them.
To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Florida Blue plans or compare across carriers. You can also shop directly from Florida Blue’s website by entering your ZIP code.
Available Medicare Advantage plans
There are a few kinds of Florida Blue Medicare Advantage plans, and they vary in terms of structure, costs and benefits. Florida Blue offers Medicare Advantage prescription drug plans (MAPDs) as well as Medicare Advantage plans without drug coverage. Florida Blue also offers Medicare Part D prescription drug plans.
Plan offerings include the following types:
A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.
HMO-POS plans
HMO point of service (POS) plans are HMO plans that allow members to get some out-of-network services, but they’ll pay more for those services.
Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.
Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. Hence, the benefits, network and drug formularies are tailored to the needs of those members. Florida Blue offers one type of SNP:
Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.
Florida Blue Medicare Advantage service area
Florida Blue offers Medicare Advantage plans in Florida only and covers about 185,000 members
.
Compare Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
Find the right Medicare Advantage plan
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Are you looking for the best places to get money orders near you? Sometimes, companies and people do not accept personal checks or other forms of payment, and they may prefer a money order instead. If you need a safe way to pay for things when you can’t use a credit card or online transfer,…
Are you looking for the best places to get money orders near you?
Sometimes, companies and people do not accept personal checks or other forms of payment, and they may prefer a money order instead.
If you need a safe way to pay for things when you can’t use a credit card or online transfer, then money orders can be an easy way around this. They are easy to get and accepted in many places for different payments.
But where can you get a money order close by?
There’s a good chance that you’ve never gotten a money order before or maybe not very often so you don’t remember. I have only ever had to get just a few money orders in my life, so I understand!
In this article, I’ll talk about some of the top places to get money orders near your home, work, or school. You can find them at places like grocery stores, banks, and more, and many of these might be really close by.
Key Takeaways
Many people like using money orders to make payments, and there are lots of places where you can get them nearby.
Some of the top places to get money orders include 7-Eleven, Walmart, the post office, your local grocery store, and more.
To find the best option for you, see what their money order amount limit is (it’s usually either $500 or $1,000) and what their money order fee is.
What is a Money Order?
A money order is a payment method that’s guaranteed and you can buy it from different places. It’s usually a safer option compared to sending cash or personal checks.
Some benefits of using money orders include:
They are safe – Money orders are a secure means of sending money because they don’t contain your bank account information. This reduces the risk of your account being compromised in case your personal check gets lost. It is also much safer than putting straight cash in the mail.
They are widely accepted – Money orders are accepted by most recipients, as they are considered a guaranteed form of payment.
They are easy to get – You can purchase money orders at many different places, such as Walmart, post offices, grocery stores, and banks.
There are some risks when it comes to money orders too, though. There are a lot of scams that involve money orders, both receiving them and sending them out. You also don’t want to lose a money order, as it can be hard to recover the funds from it. Also, there are fees – some places may charge fees for the purchase or cashing of money orders.
Recommended reading: How To Write a Check: A Step-by-Step Guide To Fill Out A Check
11 Places to Get Money Orders Near Me
Below are the best places to get money orders near you.
1. Walmart
At your local Walmart, you can easily purchase money orders at their customer service counter or their Money Services Center.
They usually have affordable fees (money orders at Walmart are typically only around $1), and it’s an easy option if you’re already shopping there. Plus, even if you’re not shopping at Walmart, there is probably one near you because they have thousands of locations – so, this may be an easy stop for you.
Walmart’s limit for a money order is $1,000, and the money orders are issued by MoneyGram.
I have personally gotten a money order from Walmart in the past, and it only took a few minutes.
2. Post office
The United States Postal Service (USPS) has money orders at their post office locations. Simply bring cash, a debit card, or a traveler’s check (you cannot pay with a credit card), and fill out the money order at the counter with a worker. There are over 30,000 post offices in the United States, so there is most definitely one near you.
USPS money order fees are:
From $0.01 to $500.00, the fee is $2.00
From $500.01 to $1,000.00, the fee is $2.90
For Postal Military Money Orders (issued by military facilities), the fee is $0.65
USPS has a limit of $1,000 for a money order.
I have personally gotten a money order from the post office in the past, and it only took a few minutes.
3. 7-Eleven
Your nearby 7-Eleven may be another option to get money orders and it is a popular choice. Availability can vary by location, so it’s a good idea to call ahead and check if they provide this service.
7-Eleven fees for money orders are around 1% to 3% of the amount you put on the money order. It depends on the location as they charge different fees. 7-Eleven uses MoneyGram or Western Union, and this also depends on the location.
The limit for a money order at 7-Eleven is $500.
4. CVS
In addition to picking up your prescriptions and everyday essentials, you can visit a CVS store to get a money order. Money orders can be purchased at the counter, making it an easy stop for this service.
CVS sells MoneyGram money orders for $1.25.
The limit for a money order at CVS is $500.
5. Kroger (and other grocery stores)
Kroger, along with many other grocery stores like King Soopers, Fred Meyer, Fry’s, and Meijer also have money order services. These options are great because you can go grocery shopping and get a money order at the same place.
The exact fees for a Western Union money order from Kroger depend on the state you are in. It is typically around $1.00 if you have a Kroger card (which is free) and $1.10 without a card.
Kroger’s limit for a money order is $1,000, but it could be $500 at some locations.
6. Western Union
Western Union is a popular choice for its money transfer services, which also include buying money orders.
This may be confusing, but Western Union also has in-person locations where you can get money orders as well. So, you can get them at some of the places listed above, as well as Western Union locations.
The fee for a money order from Western Union is anywhere from around $0.50 to $2.99.
Western Union’s limit for a money order is $1,000.
7. MoneyGram
Similar to Western Union, MoneyGram is another popular service for money transfers and money orders. You can find MoneyGram service locations in retailers, banks, and even some grocery stores. They also have their own locations as well.
The fee for a money order from MoneyGram is as little as $0.70.
MoneyGram’s limit for a money order is $1,000.
8. Publix
Publix is another grocery store where you can get money orders near you. There are Publix locations in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. Simply head to their customer service desk and see if they have money orders.
The fee for a Western Union money order from Publix costs $0.85.
The limit for a money order at Publix is $500.
9. Local credit union
Credit unions are usually a preferred choice for money orders since they are owned by their members. Your local credit union may have money orders at competitive rates. It’s worth checking if you already have an account or are considering joining one.
I have personally gotten a money order from my local credit union in the past, and it only took a few minutes.
10. Chase and other banks
Many banks, such as Chase, Wells Fargo, Bank of America or even your local bank, have money order services for their customers. The fees may differ between banks, but it’s an easy option if you already bank with them.
The fee for a money order from Chase costs $5.00, but it can be waived and free for certain categories of members.
Chase’s limit for a money order is $1,000.
11. Local check cashing company
Lastly, local check cashing companies usually have money order services. While fees are typically higher, these companies are easy options for people who need a money order quickly or don’t have an account with a traditional bank.
Remember to always compare fees, convenience, and reliability when choosing the best place for your money order needs.
Steps to get a money order
Wondering how money orders work? Makes sense, you may have never used one or probably not very often. I can count on my two hands how many times I have needed to get a money order!
With that being said, even if you don’t get a money order very often, they are easy to get and are pretty painless.
How to buy a money order
Here are the steps you can follow to buy a money order near you:
Choose a money order provider – Based on your preference, location, and fees, find a place where you can purchase a money order.
Gather the required information – Make sure you know the recipient’s name and address, as well as the amount of the money order.
Bring a valid form of payment – Money orders usually require cash, a debit card, or a traveler’s check. Credit cards are usually not accepted.
Bring a valid form of ID – At some locations, you may need an ID, such as your driver’s license.
Fill out the money order – This may include writing the recipient’s name, your address, and the amount. Be sure to carefully fill in all required fields.
Pay the face value, plus the money order service fee – Keep in mind that fees will depend on who is selling the money order.
Keep your receipt – This is very important as it will help you track the money order and provide proof of purchase if needed.
Keep in mind that domestic money orders typically have higher limits than international money orders.
Possible problems with money orders
Money orders can be a safe and easy way to send money, but they come with some possible problems. In this section, we’ll talk about things like losing or having a money order stolen, the chance of fraud, and how to know if a money order is real.
Lost or stolen money orders
Losing a money order or having it stolen can be a frustrating experience. If you find yourself in this situation, it’s important to act quickly:
Contact the issuer – Reach out to the company that issued the money order (such as Western Union, MoneyGram, or USPS) and provide them with the relevant details including the money order number and purchase date (this is why it’s important to keep your receipt!).
Complete a claim form – Most issuers will require you to fill out a claim form with information about the lost or stolen money order.
Pay a processing fee – There may be a small fee to process your claim and issue a replacement money order.
Wait for a resolution – It can take several weeks for the issuer to complete their investigation and issue a refund or replacement.
Keep your receipt and any other documentation related to your money order, as you may need these for evidence of your purchase to the issuer.
When I need a money order, I usually keep the receipt, but I also take a picture of it with my phone just in case I lose the receipt.
Potential for fraud
Unfortunately, there are money order scams because scammers might try to make fake money orders or change the amount on real ones. To stay safe from fraud, don’t take money orders from people you don’t know, and be extra careful if you’re dealing with large amounts of money orders as well.
Here are a few tips to avoid falling victim to money order fraud:
Check to make sure that the money order is from a reputable financial institution or money transfer service. Also make sure that you actually know the person who is sending or receiving the money order!
Authentic money orders will typically have specific security features, such as watermarks or security threads, to help prevent counterfeiting.
Trust your instincts and if something seems off or too good to be true, then be cautious.
Frequently Asked Questions About Money Orders Near Me
Below are answers to common questions about how to purchase a money order.
Where is the easiest place to get a money order?
The easiest place to get a money order would be your local post office, as they usually have lower fees and there are post offices all over. Also, some retail stores, like Walmart and grocery stores, have money orders for a low price. I have bought money orders from many different places, and I usually just go for whatever is the closest as the fees are typically quite similar.
Where can I purchase a money order nearby?
You can buy a money order in different places like post offices, banks, credit unions, and stores like Walmart. You can also get them from money transfer services like MoneyGram or Western Union. To find a place close to you, search on your cell phone’s map for “where to get a money order near me.”
Do supermarkets have money orders?
Lots of big grocery stores have a service where you can get a money order right at their customer service desks. Some include Kroger, Publix, and Safeway.
Can I buy a money order at a bank?
Yes, definitely. Most banks and credit unions have money orders for their customers. Note that bank fees for money orders might be higher than those at other locations. It’s also a good idea to see if the bank requires you to be an account holder to purchase a money order.
Are money orders available at Walgreens or CVS?
CVS locations have money orders, usually through money transfer services like MoneyGram. Keep in mind that not all locations offer this service, so it’s best to call your local store and confirm before visiting. Walgreens used to have money order services, but they no longer have this service.
Do gas stations sell money orders?
Some gas stations do sell money orders through providers like MoneyGram or Western Union. A common way to get one is by getting a 7-Eleven money order. However, availability may vary depending on the specific gas station, so it’s a good idea to call ahead and check if they offer the service and confirm any fees.
How much does a money order cost?
When you decide to purchase a money order, it’s important to be aware of the costs and fees associated. Generally, money orders involve two primary costs: the face value of the money order and the service fee for issuing the money order. Fees might vary depending on the provider and the amount. It is generally around $1 to $2 for a money order.
Who sells the cheapest money orders near me?
The cheapest money orders are usually sold at Walmart. Some banks give them for free to their account members as well.
How do you cash a money order?
To cash a money order, you’ll need to visit a location that has this service, such as a bank or Walmart. You’ll need to endorse the money order by signing the back (just like you would with a check), and provide identification to prove that you’re the person on the money order. There will also be a fee to cash a money order.
Where to purchase money orders near me? – Summary
I hope you enjoyed this article on where you can buy money orders near you.
To find a place to purchase a money order near you, use a search engine or your phone’s map and search for “where to get money orders near me.”
This will usually give you a list of nearby money order locations, such as post offices, banks, retail stores, or money transfer services. Check their websites or call to confirm availability, fees, and payment methods accepted.
Why Your Checking Account Should Contain as Little Money as Possible
By: Natasha Etzel |
Updated
Oct. 4, 2023 – First published on Oct. 4, 2023
A bank account is an excellent place to keep your money so it’s organized and readily available when needed. Many people keep their cash in a checking account. But, while you want to stash enough money in your checking account to cover your bills and everyday expenses, you want to avoid keeping all of your cash there. I’ll explain why here, and suggest a better place to stash your extra savings.Don’t miss out on interestThe average checking account doesn’t accrue interest. That means you won’t get rewarded for keeping money in your bank account. Instead of keeping all your cash in your checking account, you should only keep enough to cover your monthly expenses. You may want to keep a bit more than just enough to cover your bills. That way, you’ll be covered if you have an unexpected charge or a more costly bill than anticipated. How much extra should you have? It depends. For some people, a couple hundred extra dollars may be ideal. But for others, it may be a good idea to include a few hundred or up to an extra $1,000 in their checking accounts for extra wiggle room.But don’t keep every last dollar you have in your checking account. If you do, you’ll miss out on interest. Instead, move your extra savings into a bank account that accrues interest. With an interest-earning bank account, you’ll get rewarded as your cash sits in the bank. You could earn money with a savings accountMany people keep extra cash in a savings account. Review the bank’s annual percentage yield (APY) when considering a new savings account. This rate is the amount of money or interest you’ll earn over a year. The higher the APY, the more money you can make. You can take advantage of an attractive interest rate by opening a high-yield savings account. At the time of writing, the bank accounts on our best high-yield savings accounts list offer APYs ranging from 4.30% to 5.26%. If you have a significant amount of extra cash and keep it in an account like this, you can earn money without doing extra work. $5,000 in savings accumulates this much interest To determine how much interest you can earn by moving your extra cash to a savings account, multiply your initial deposit by the APY your bank account offers. This will show you how much interest you can earn by keeping your money in the bank for a year. Let’s imagine you have $5,000 extra sitting in your checking account right now. If you instead move that money to a high-yield savings account with an APY of 5% and you keep it in the bank for an entire year (and your APY doesn’t change; note that banks can raise or lower APYs at any time), you’ll earn $250. That’s much better than making $0 by keeping your savings in a checking account that doesn’t accrue interest. Now you can see why it pays to avoid keeping all your money in a checking account. You can earn extra money from interest by keeping your spare cash in a savings account that offers interest. For additional tips like this, check out our free personal finance resources.
3 Reasons I Don’t Like Aldi as Much as I Used To
By: Maurie Backman |
Updated
Sept. 13, 2023 – First published on Sept. 13, 2023
At some point in 2022, I discovered Aldi and began shopping there weekly. I found that I was able to save money on my grocery bill by purchasing certain produce items there. And since I happen to have an Aldi adjacent to my local Costco, it wasn’t particularly out of my way.But over the past few months, I’ve become less enamored with Aldi. Here’s why.1. The selection is just too limitedAldi — at least near me — is a minimally stocked grocery store. The shelves aren’t loaded the way they are at my nearby ShopRite and Stop & Shop.To be fair, this was the case when I first started shopping there. But because there’s just not a lot of selection, I’m generally limited to only buying a few items when I pop into Aldi.Not so long ago, I was running into Aldi for some fruit, which I usually buy there, and I needed to grab shredded cheddar cheese. Normally, I get that at Costco, but I didn’t want to run next door to Costco and wait in a line for cheese alone. Unfortunately, though, Aldi didn’t have the cheese I needed, so I had to make an extra stop anyway.2. The inventory is too inconsistentNot only is there a limited selection of food items I can buy at Aldi, but sometimes, I can’t even find the five or six things I’m looking for. Aldi was once my go-to source for avocados, since it’s an expensive purchase and Aldi tends to sell them for less than Costco (at least in my area). But the last few times I stopped at Aldi, avocados weren’t in stock.And that’s happened to me with other things, too. Over the past several months, I’ve struggled to find everything from cucumbers to strawberries at Aldi as well.3. What the store saves me on groceries, I lose via lost working hoursShopping at Aldi still has the potential to save me a little money on groceries. At a time when supermarket prices are up 3.6% on an annual basis, that helps.The problem, however, is that even though Aldi is right near Costco in my neighborhood, thereby allowing me to combine those trips, it still takes time to visit an extra supermarket. I have to find parking, wait in a checkout line, and spend time searching the shelves.While it’s nice to save $2 here and $3 there, the reality is that a stop at Aldi might cost me 20 or more minutes of work — especially when I don’t manage to find the things I need. And losing out on that work time often means forgoing more than $2 or $3 of income. So from a time perspective, it’s just not worth it.Shopping at Aldi could make sense for a lot of people. If you’re someone with flexibility in your schedule and grocery list, and you’re not so picky about the brands you bring home, then it could pay to spend the time visiting Aldi, even if you don’t always manage to find all the things you need. But I’ve reached the point where shopping at Aldi makes less and less sense for me, so I’ll most likely stop going there unless it’s a one-off basis.
7 Little-Known Gift Cards You Should Always Buy at Costco
By: Steven Porrello |
Updated
Sept. 29, 2023 – First published on Sept. 29, 2023
Costco gift cards are one of the warehouse’s best deals. Costco often will add 10% to 30% of value when you buy its gift cards in a bundle. It would be one thing if the gift cards were for places you’d never shop, like Bed, Bath, and Beyond (R.I.P.). But Costco gift cards are surprisingly varied and include many restaurants and retailers you’re probably already spending money with.So if you, like me, pinch pennies for your finances, here are seven gift cards you should always buy at Costco.1. Jiffy LubeCostco will add 25% of value when you buy a set of two $50 Jiffy Lube eGift cards for $74.99. While Jiffy Lube doesn’t offer the cheapest oil change on the market (Walmart will likely take the gold for that), its technicians do go through rigorous training via the Jiffy Lube University to ensure no accidental damage is done to your vehicle. If quality trumps price for your vehicle, this deal will save you $25 off your next oil change (limit of five per membership).2. Alaska AirlinesPacific Northwesterners will appreciate this deal — Costco will give you a $500 eCertificate to Alaska Airlines for $449.99. That comes to 10% off your next Alaska Airlines flight (limit of four per membership).3. Southwest AirlinesIf that was the first time you’d heard of Alaska Airlines, here’s a gift card package with a more familiar airline: Southwest. Costco will add 10% of value when you buy $500 of Southwest Airlines gift cards for only $449.99.4. Cinemark TheatresIn a great deal for moviegoers, you can buy a $50 Cinemark Theatres eGift card for only $39.99 at Costco. That’s an extra 20% of value that you can use for movie tickets, food, drinks, or merchandise (limit of 10 per membership).5. Miller PaintPainting your house ain’t cheap. Interior paint jobs will cost about $2 to $6 per square foot, according to the home improvement site HomeAdvisor, while exterior paint jobs can cost about $1.50 to $4 per square foot. To ease those costs, Costco will sell you $100 of Miller Paint gift cards for $69.99 — a whopping 30% of extra value.6. SpafinderIf you thought the cost of painting your house was bad, imagine how your back will feel after hours of painting walls. To ease that pain, Costco has an irresistible gift card deal: two $50 eGift cards for $79.99 to be used at thousands of spas and salons across the country. You can also use them at participating yoga and fitness studios (limit of 10 per membership).7. Synergy RestaurantsOne of the more interesting gift card packages I’ve come across, this extremely lucrative deal — two $50 eGift cards for a sticker price of $69.99 — will help you foot the bill at hundreds of local restaurants in numerous cities across Arizona, California, Colorado, Nevada, New Mexico, and Texas. This is perhaps one of the best deals I’ve seen and can be perfect for locals in those states and travelers who are visiting them.Most members don’t realize how many gift cards Costco actually sells. In fact, these seven packages only scratch the surface. Next time you’re at your local Costco warehouse, be on the lookout for gift card packages, which are often found at the ends of aisles. You might find a deal you can’t get anywhere else.
5 Amazing Costco Buys for Less Than $10
Costco is a favorite among bargain hunters. But because it’s a place where you typically buy in bulk, it’s often not great when you only want to spend a few bucks. Believe it or not, though, there are some deals at Costco for $10 or less. Here are five amazing Costco finds that will set you back no more than $10.1. Rotisserie chickenNot surprisingly, the $4.99 rotisserie chicken tops this list. Costco debuted its famed bird for $4.99 way back in 1994. It briefly raised the price by $1 during the Great Recession in 2008, then knocked it back down to $4.99 one year later. Had Costco raised its prices to keep up with inflation since 1994, that chicken would cost $10.48 today.Costco’s rotisserie chicken will always be a fan favorite for those looking for an effortless dinner. Just be aware: Costco keeps the prices low because its rotisserie chicken is what’s called a loss leader. The warehouse giant is willing to lose money selling them because it knows it can get customers into stores, where they’ll probably buy more than just a chicken.2. Hot dog and soda comboCostco has raised the prices of many of its food court items in recent years, but the price of one perennial favorite shows no signs of budging: the hot dog and soda combo, which has cost $1.50 since it debuted in 1985. Adjusted for inflation, the hot dog and soda combo should cost $4.28. Last year, during a quarterly earnings call, Costco chief financial officer Richard Galanti said the warehouse giant could keep the $1.50 price point “forever.”3. Kirkland Signature Creamy Almond ButterYou can use almond butter as a salad dressing ingredient, slather it on toast, put it in baked goods, or just eat it straight from the jar. If you’re the type who likes to devour almond butter by the spoonful, you don’t want to pass up a 27-ounce jar of Kirkland Signature Creamy Almond Butter, available for just $7.99. That works out to less than $0.30 per ounce. By comparison, a 16-ounce jar of Trader Joe’s Creamy Almond Butter Salted costs $6.99.4. Olde Thompson Kosher Sea Salt, 5 lbsSea salt has plenty of uses that go beyond cooking. You can use it for cleaning, as an exfoliant for your skin, and sprinkle it around your garden to keep unwanted bugs away. For just $5.99, you can score a 5-pound jar of Olde Thompson Kosher Sea Salt and keep it handy for all your household and kitchen needs.5. Bisquick Pancake & Baking Mix, 96 OuncesBisquick is another one of those things that’s handy to keep in your pantry. You can use it to whip up a quick batch of pancakes or waffles for breakfast or keep it on hand for a variety of baked good recipes. A 96-ounce box of Bisquick is available at Costco for $8.89. It’s normally priced at $10.99, but there’s a $2.10 manufacturer’s discount that’s good through Oct. 8, 2023.What are the best deals at Costco?Since Costco tends to sell large quantities, you’ll typically find that a lot of the best deals cost well above $10. Regardless of the exact price, it usually makes sense to buy products at Costco that have a long shelf life. For example, even if you find great deals on fresh produce and milk, you probably don’t want to load up on these items unless you’re feeding a large crowd, as they’ll go bad quickly.Also, make sure you look beyond the grocery department for savings. For example, getting your prescriptions from Costco Pharmacy or using Costco to fill up your gas tank could also save you money.If you want to maximize the benefits of your membership, try shopping with a Visa credit card that offers rewards. (Costco only accepts Visa credit cards.) That way you can earn travel rewards or cash back when you load up on groceries and other necessities.
5 Ways to Turn $100 Into Passive Income
By: Chris Neiger |
Updated
Oct. 1, 2023 – First published on Oct. 1, 2023
Creating passive income is one of the best ways to build wealth and protect your personal finances from an emergency, like losing a job or having your salary cut. According to U.S. Census Bureau data, about 20% of Americans have some level of passive income, with the average amount earned from passive income being $4,200 annually.Passive income strategies aren’t get-rich-quick schemes, and many initially require a significant time investment. The good news is that many can be started with $100 or less. Here are a few inexpensive ways you can start generating passive income.1. Buy stocksSome people think that owning stocks is only for rich people. It’s not. In fact, 61% of Americans own stocks, according to Gallup. And while you won’t get rich investing $100, you do have the potential to easily make money.You can open an online brokerage account for free and typically buy stocks for either little or no fees these days. The hard part is figuring out what company you think will do well over the long term so that you get the largest return.Let’s look at one popular company that many people own stock in: Apple. Let’s say you invested $100 annually over the past 10 years to buy Apple’s stock and reinvested any dividends you received to buy more shares. Thanks to Apple’s phenomenal growth over the past decade, your stock would be worth $4,848 — a 385% return on your investment.Of course, picking stocks can be difficult. If you want to potentially earn passive income in the market without picking specific stocks, you may want to buy shares of an exchange-traded fund (ETF). These funds follow market indices and can be purchased for as little as $1, thanks to online platforms that allow you to purchase fractional shares.2. Rent out an extra roomThis one is super easy and might cost you $0 if you already have the extra space. The latest Census Bureau data shows that 27.6% of Americans live alone. This means that many Americans may have a spare room in their home that could be transformed into a passive income stream.While it’s not for everyone, renting out a room in your home could be one of the easiest ways to generate passive income because you’re already in the space — either renting or as a homeowner — so all you need to do is find a roommate and collect their rent payments.This could be a very lucrative way to boost your income, considering that rent prices have skyrocketed over the past few years.3. Rent out your carWith 13% of full-time Americans working from home right now and 28% on hybrid schedules, many cars are sitting unused throughout the work week. With some planning and effort, your vehicle could quickly begin generating income through car-sharing websites like Turo.You can list your vehicle on the site for free and pay Turo a fee when you’ve rented out the vehicle. Turo says the average annual income for one car on its site is $10,516. Of course, some work is required to keep the vehicle clean and coordinate pick-up and drop-off. Still, renting out your vehicle could be a low-cost way to earn semi-passive income.4. Create an online courseMany people have accumulated many skills through jobs and even hobbies. You likely know how to get certain things done that someone else would find very useful — and pay for.There are many online platforms — including Udemy, Skillshare, and Thinkific — where you can create your own professional course and then sell it to an established online audience.You’ll need to do a fair amount of work upfront creating your course — including planning the sessions, recording videos, and making other content — but once you have it up and running, you can earn passive income from your hard work.Some course-creating platforms charge a monthly fee, while others may take a percentage of each sale you make. But while this option isn’t free, it’s certainly inexpensive.5. Start a dropshipping businessThere are many different businesses that fall under the dropshipping category, including selling T-shirts online or print-on-demand content like notebooks and journals.The startup cost for dropshipping businesses is low because you don’t buy any inventory and don’t have to rent an office or retail space. Instead, you’ll spend money setting up a website and potentially selling ads to market your products. You can even become a seller on Amazon and sell products without investing in your own online shop.You’ll have to invest significant time on the front end to build your business. Still, once you’ve found a niche and have established the relevant products, dropshipping allows you to spend minimal time keeping up the business while still making online sales.Keep these things in mindWhile all of these ideas will cost you little money and have the potential to generate passive income, you’ll still need to invest time and mental energy in setting them up. For example, you may need to do a lot of research before setting up a dropshipping business or launching an online course.Like anything worthwhile, be patient and take small steps to get started. You likely won’t be an overnight success, but making any progress toward generating passive income will move you further toward your personal financial goals.
Inside: Looking for the best travel essentials? Look no further! This guide has everything you need to pack for a trip.
There’s no feeling quite like the thrill of embarking on a new adventure, and with these top-notch travel essentials, your journey is set to be an absolute blast!
These travel essentials play a crucial role in not just enhancing your travel experience but also in keeping your trip organized, efficient, and absolutely “funner”!
Prepare to soar into hassle-free travel filled with joy, convenience, and unforgettable moments.
Many of my readers diligently save for their vacation and sometimes forget the small details like – travel essentials.
Traveling can transform from a stressful ordeal into an exciting escapade when armed with these must-haves that smart travelers swear by.
So, buckle up for an exhilarating journey ahead, knowing you’re perfectly prepared to take on the world. Let the adventures begin!
What are Travel Essentials?
Getting back to travel? Isn’t it just lovely!
Well, travel essentials are your new best friend! Waves of seasoned globetrotters have prepared this special guide for your benefit.
These items qualify as essentials because they streamline the packing process, afford comfort while traveling, and add a dash of fun to your adventures.
Also, there are so many cool gadgets available now that make traveling seamless.
What things are essential for Travelling?
Before you head off on the trip of your dreams, pack the right travel essentials to maximize your fun!
Meds: Don’t forget your prescriptions and common medicines for allergies or pain. Remember, health first!
Travel Insurance: Give yourself peace of mind by buying travel insurance – especially if you are traveling internationally.
Travel Credit Card: Credit cards are a simple way to pay when traveling. Make sure you have no foreign transaction fees!
Document Copies: Keep digital copies of essential documents to minimize panic and ensure quick verification in case of loss. And share this with someone in case you lose your phone!
Joyous journeys come from well-prepared travelers!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What are 3 items to take on vacation?
Embrace the exhilarating aura of preparing for your much-awaited vacation!
Tuning into your needs and wants as a traveler, three crucial items stand out as top priority:
Anti-Theft Bag: This is an ideal travel companion – it comes with built-in security features that keep your belongings secure, reducing the risk of theft during your travels. With advancements in fashion, you can now find stylish options with exceptional functionality, making them perfect for vacations where style and security are priorities.
eReader: like the Kindle Paperwhite, makes the perfect vacation companion as it combines the portability and weightlessness of a single book while providing the capacity to store thousands of novels for entertainment. Moreover, its adjustable light settings and long battery life facilitate reading during transit, whether it’s mid-flight or at night, without disturbing others – a luxury traditional books can’t offer.
Tech Organizer Case: ensures all essential tech accessories like cables, adapters, and devices are neatly organized and easily accessible. This not only eliminates the hassle of rummaging through your bag for a tangled cord but also helps to maximize the efficient use of space within the bag.
Remember, the key is to pack smart and embrace savvy travel essentials that optimize comfort and convenience!
Best Travel Essentials Everyone Wants
Planning for a trip often entails the excitement-charged task of selecting the right essentials to pack.
This section highlights the best travel essentials that everyone craves, from the appropriate attire to tech gadgets, that go a long way in enhancing convenience during your journey.
These items, carefully curated by experienced travelers, promise to make every trip, whether short or long, a hassle-free experience.
1. Apple AirTags
Get ready for your next adventure with a travel essential that’s as smart as it is useful – the Apple AirTag.
This tiny gadget can make your trips stress-free by preventing the harrowing instances of lost luggage.
As a modern-day traveler, you’ll love the security it brings to your journeys. Simply sync the AirTag with your ‘Find My map’ and place it in your luggage to keep track of your belongings from point A to point B.
Lost luggage is increasingly common, but with an Apple AirTag, you’re covered.
Don’t forget these handy AirTag holders!
2. Travel Backpack
A travel backpack is your next must-have travel essential!
It’s an easy and convenient way to keep all your essentials – think wallet, phone, keys, passport – in one place, and with some even featuring a built-in USB port, you’ll never run out of battery on the move.
Its versatility and functionality, such as several compartments for organization and a separate section for shoes, are just unbeatable. Seriously, these travel backpacks are way cooler than your backpack from high school!
3. Luggage Scale
Traveling soon? Don’t even think about neglecting the trusty luggage scale!
This small but mighty tool, loved by frequent travelers like us, is your ticket to a stress-free journey.
With this compact gadget, say goodbye to dreaded overweight baggage fees.
Pack it in your carry-on for on-the-go convenience and weigh it with precision every time. One of my best gifts ever!
4. Anti-Theft Bag
An Anti-Theft Bag offers peace of mind when traveling, with built-in safety features deterring theft. These bags aren’t just secure but also fashionable, which is perfect!
The locking zippers act as a deterrent against potential theft as they add an additional barrier of protection.
Moreover, the incorporation of RFID blocking technology in these bags ensures your valuable information stays protected. This technology prevents identity theft by safeguarding any object with an RFID chip, such as passports issued after 2006 and credit/debit cards, from being read through your bag.
While traditionally, anti-theft bags have been seen as lacking in style, new versions of these bags are coming up in several fashionable options. As stated, they are now available in various colors like navy, charcoal, merlot, and blush apart from the usual black.
5. Underwater Action Camera
As a travel essentials superstar, the Underwater Action Camera ensures you never miss capturing a thrilling aquatic adventure. Turning ordinary snapshots into extraordinary keepsakes, this camera becomes a must-have for wanderlust souls.
Remarkably sealed, this camera captures stunning photos even from underwater.
Perfect for beachy holidays, and even more beneficial for snorkelers and swimmers.
Get for a tech-free vacation!
Pro tip: Master using this camera during daylight for better results.
6. Bluetooth Earbud Transmitter – Perfect to Use Your Airpods Pro
Head off on your next adventure armed with the Twelve South Bluetooth Audio Transmitter. This coveted travel essential turns your flight into a personal cinema!
Its superb features include high-quality sound transmission, pairing capabilities with airplane TVs, and functioning as a headphone splitter.
Ideal for tech-savvy travelers and those who love using their own headphones.
7. External Portable Charger
Don’t forget your portable charger – it’s a true travel hero! Imagine never running out of battery while navigating unfamiliar territories or capturing memorable moments.
This external power bank ensures your devices always stay juiced up.
Lightweight and compact size
Fast-charging capability
Can charge multiple devices at once.
Expert tip: Choose a charger that can power your device type at least 4x from zero battery.
8. Lightweight Luggage
Investing in lightweight luggage helps travelers avoid excessive baggage fees.
This is what we did over ten years ago and I can truly say we have saved thousands of dollars.
Look for luggage that weighs less than ten pounds. With most airlines capping luggage weight between 40-50 pounds that gives you 30-40 pounds of your stuff that you can pack.
While it is an upfront investment in new luggage, you will significantly reduce the risk of incurring additional fees.
9. Travel Wallet
This is something I picked up right before my last flight (teal of course)! I loved it because it was lightweight and compact size for easy carrying. Even in my yoga pant pocket!
Heald exactly what I needed with organized compartments for ID, cash, and credit cards
Sleek design that suits any style
RFID protection to keep your information safe
Travel wallets are perfect for minimalist travelers who love simplicity and security.
Learn how much cash can you fly with. It is more than your travel wallet!
10. Passport Holder
A passport holder: the travel essential you never knew you needed.
It’s the perfect companion for safeguarding your most priceless travel accessory – your passport.
Super convenient, passport holders come equipped with slots for important IDs, boarding passes, and even stashed currency.
The RFiD-blocking feature ensures your personal details remain secure from potential scams.
If you are traveling internationally, then this is something you want to seriously consider.
11. Tech Organizer Case
It’s a must-have to neatly stash all your tech essentials. Never be frazzled by tangled cords or lost chargers again.
The Tech Organizer Case, like the top pick FYY Electronic Organizer, is your ultimate travel buddy ensuring a clutter-free trip.
Ample space for multiple chargers, durable, and easy-to-use zippered compartments.
Be the organized traveler everyone envies!
12. Portable Door Lock
You mustn’t miss out on the Portable Door Lock when packing your travel essentials! This compact lock adds top-notch security and peace of mind to your trips.
Portable door locks are hot on the list of travel essentials because of their simplicity – easy to use, install, and pack in your luggage.
Best for solo travelers and Airbnb guests, this device prevents unexpected entrance even with a key.
Pro tip: Always test the lock right after installation for foolproof safety.
13. Carry-On Rolling Luggage
With precise packing, it is feasible to fit everything you need into this one carry-on, thereby ensuring a seamless travel experience.
Picking the best carry-on rolling luggage for your needs requires careful consideration. Rolling luggage with 4-wheels can be ideal as it takes the weight off your wrist and can be rolled effortlessly by your side.
Spacious enough to accommodate all your travel essentials like laptop, shoes, etc.
Opt for brands that offer a good warranty to ensure the durability of your luggage.
If your travel involves different types of terrain or switching from airports to cobblestones, you might want to consider a wheeled backpack which can be rolled or carried as needed. Lastly, always ensure that your chosen luggage is lightweight, versatile, and
These suitcases not only provide convenience due to their mobility but also allow the freedom to avoid checked luggage.
14. Toiletry Bag
Toiletry bags have become an essential part of smart packing for travel.
Hanging toiletry bags, like the Bagsmart option, represent a game changer, contributing significantly to an organized, convenient, and hassle-free travel experience.
Pick one that has the ability to accommodate a week’s worth of travel-size toiletries.
15. Travel Duffel Bag
Whether it’s a long adventure or a weekend getaway, a travel duffel bag is incredibly useful.
It holds your essentials—clothes, tech gadgets, toiletry bag, keys, phone—safely and conveniently.
Remember the thrill of keeping all your belongings organized? You get that with the multiple compartments.
Also, let’s not forget about that separate section for shoe storage—talk about clutch!
Best feature? Some come with a built-in USB port to ensure your devices are always charged.
Expert tip: Look for a bag that’s airline-compliant, lightweight, and durable.
16. Travel Pillow
Ready for your next adventure? Don’t forget your travel pillow – it’s your key to ultimate comfort!
Many popular Travel Pillows offer tailor-made support for your head and neck, especially on those long-haul flights. It’s lightweight and packs easily, meaning less hassle for you.
Best for those who value a peaceful in-flight snooze, this game-changing essential comes with a memory-foam wall offering unmatched comfort.
Pro Tip: Pair it with the EverSnug travel blanket, It doesn’t just keep you cozy but doubles as a compact cushion too! Now, that’s travel made comfy and convenient!
17. Sunglasses Case
Off to a sun-soaked adventure, you need a nifty sunglasses case! It’s a must-have to safeguard your shades from damage while in transit.
Perfect for those eyeing to pack multiple pairs of sunglasses, you’d love this.
Expert tip – Choose a case that securely holds your glasses snugly, ensuring no damage takes place during the journey.
18. Contact Lens Case Kit
After my last late night flight, I was determined to find a better system for my contact. Enter the Contact Lens Case Kit.
Perfect for maintaining your vision care away from home, this kit boasts a mirror, mini solution bottle for your contacts, lens case, tweezer, and remover tool.
You can also get a contact lens and glasses case combo travel kit!
This handy, compact kit is an asset to anyone wearing contacts. Not only will it make your travel simpler, but it’s also affordable, priced under $10.
19. Reusable Water Bottle
Set off on your travels with the ultimate companion, a reusable water bottle!
Refill at any airport water fountain and save on plastic and expenditure – a savvy choice for our planet and wallet!
Plus this is a frugal green item with less plastic waste and sustainable hydration.
Expert Tip: Pack Liquid IV or Nuun tabs to make your drink a fun experience!
20. Packing Cubes
Say goodbye to disorganized luggage with packing cubes—your best travel buddy!
They’re a lifesaver for the frequent flyer seeking an organized and hassle-free travel experience. Especially those traveling with kids!
With features like shoe sleeves and compressibility, they’re ideal for chronic over-packers or shared-luggage travelers. I cannot say how helpful packing cubes are for trips!
21. Luggage Straps
Luggage straps are a travel essential you shouldn’t overlook! These handy accessories offer added security and ease for every traveler.
Designed with durability and convenience in mind, luggage straps, such as the TSA-approved luggage nylon straps, keep your checked bags secure during long flights. You’ll also love their visibility feature – bright neon colors that make your suitcase easily identifiable!
Ideal for people frequently on the go, they’ve garnered solid endorsements from seasoned travelers.
22. Travel Pill Box
Say goodbye to loose pills and experience medication portability at its finest with the Travel Pill Box – a real game changer for travel essentials!
The sheer convenience it offers makes it a must-have for every traveler.
The Travel Pill Box keeps your medications organized with multiple compartments that can be labeled as you wish.
Ideal for people on the go, it eliminates the need for bulky pill boxes and plastic bags.
Expert Tip: Allocate distinct sections for different medications and times of the day to ensure regularity even when your travel schedule is unpredictable.
23. Universal Travel Adapter
This top-quality adapter is a jet-setter’s delight, ensuring you’re always powered up on your globe-trotting adventures.
A travel adapter is a useful device that allows travelers to use their electronic devices in countries where different plug standards are used. It provides a hassle-free way to keep electronic devices like laptops, phones, or cameras powered up, vital for staying connected and entertained during international travels.
With its functionality in over 150 countries and capacity to charge six devices simultaneously, it’s perfect for the tech-savvy traveler.
Remember, it’s not a voltage converter, so ensure your devices are dual-voltage. If not, pack an adapter that converts voltage.
24. TSA Approved Luggage Lock
Secure your luggage with the TSA Approved Luggage Lock, an absolute must-have for every savvy traveler.
With this lock, enjoy peace of mind on your journeys, assured your luggage is safe and no one has been through your stuff!
Featuring easy-to-read dials, an inspection indicator, and a durable zinc alloy design, it’s perfect for frequent flyers and security-conscious travelers.
Expert Tip – Always lock your suitcase when unattended to deter theft. And carry an extra in case yours is lost.
25. TSA Approved Travel Bottles
These TSA Approved Travel Bottles are magnificent game-changers for any frequent flier.
They’re precisely designed, with an easy dispensing mechanism, and leak-proof tops, plus conform to TSA size limits.
A supreme choice for savvy travelers, they’re reusable, eco-friendly, and wallet-friendly.
26. Luggage Cup Holder
The Luggage Cup Holder is about to be your new jet-setting best friend. (In fact, I’m buying this for my son for Christmas.)
This genius accessory deftly holds your coffee or water bottle, freeing you up to maneuver through busy airports effortlessly.
Even better, it features a handy pouch for storing essentials like ID’s or credit cards.
Juggle less and travel more, with this brilliant travel necessity!
27. Compression Socks
Long-haul flights call for compression socks! They increase blood flow while reducing swelling and the risk of blood clotting which may occur due to prolonged periods of sitting, such as during long flights.
Thankfully, they are way more stylish than the traditional hospital-issued white compression socks. This has caused their popularity to soar, providing pressure from the ankle upwards, making them essential for flights.
These socks provide graduated compression especially high at the ankles and reduce upwards towards the knee, facilitating increased blood flow.
Moreover, they are not only meant for those with medical conditions, but also beneficial for travelers, athletes, and those who stand for long hours at work. They enhance overall leg health by minimizing swelling, fatigue, and discomfort, thus improving the quality of your daily activities and sleep.
28. Cruise Luggage Tags
Get ready to sail in style and convenience with one indispensable travel essential – cruise luggage tags.
It’s that little gadget you never knew you needed until you’ve used one and seen its magic.
Here’s why: These tags make your bags unmistakable, reducing the risk of losing them amidst a sea of sameness. It’s a godsend for frequent cruisers as your company-issued tags won’t fall off.
Go for brightly-colored, durable tags. A simple trick, but could save you from a world of lost luggage stress.
29. Laundry soap sheets
One of the best ways to pack less is to run a quick load of luggage on your trip. So, these laundry soap sheets come in handy! We also pack two dryer balls as well.
Ready to pack for your next adventure? Don’t forget laundry soap sheets, a travel game-changer! –
They’re lightweight and occupy minimal space. This is great when packing a minimalist capsule wardrobe.
No time to find a laundromat? Then, use SinkSuds which can be used anywhere!
30. Security Cameras at Home
Securing your home with surveillance cameras while traveling is a crucial precaution.
The peace of mind offered by a vigilant “electronic eye” is incomparable. These cameras capture real-time footage, aiding in deterring burglaries and providing evidence if needed. Perfect for frequent travelers, it assures your abode’s safety from afar.
When we travel, we install one inside our house with an instant notification on our phones. As motion is detected, a siren noise goes off, which I’m sure would terrify any intruder!
Expert tip: Opt for cameras with remote-access features, so you’re always a glance away from your home.
What are the five most important items you need for these vacations?
Setting off for your much-anticipated vacation?
Here are the top five must-have travel essentials for an easy-going and memorable adventure.
Travel Planner and Journal: This bundle is essential for planning your trip and keeping track of your daily activities. The planner helps organize your itinerary, while the journal provides a wonderful means to record memories and experiences from your trip.
Multipurpose Clothing: Items like versatile shoes or pants that are ideal for multiple activities such as hiking and sightseeing are crucial to pack. Such items can save you space in your baggage, simplify your travel outfits, and cover a variety of travel occasions or activities.
All-in-One Travel Bag: A multipurpose bag, like a fanny pack or backpack, is an important versatile travel essential. This item keeps your essentials within easy reach, aids organization, and can adapt to a variety of travel situations.
Personal Care Essentials: Depending on your destination and planned activities, personal care items may include sunblock, moisturizer, or insect repellant. They ensure you are prepared for the environmental conditions you may face and can greatly enhance your overall comfort and well-being during your travels.
Travel Luggage: This trendy luggage piece thrills travelers with its durability and sleek design. Make sure your suitcases are lightweight!
Remember, a well-prepared traveler is a happy traveler. Aim for comfort, protection, and convenience!
Which Essentials for Travelling are your Next Purchase?
Ready to embark on your next adventure?
Don’t let unexpected situations curb your enthusiasm – it all starts with being prepared.
Remember, travel isn’t just about the destination but the journey, and the journey includes packing well!
With these travel essentials ideas, you can load up your bags with high-quality travel gear, ensuring comfort and stress-free experiences during your trip and beyond. Many of which are actually Amazon travel must haves.
Investing in essentials now will not just save you money down the line, but also help avoid irritating travel hitches.
Whether it’s tangle-free cords, smart luggage, or convenient packing tools – each item on our list has earned its spot by proving its worth on countless journeys for me.
So, next time you’re planning a trip, remember to refer back to this list. Good preparation equals to great journeys!
Know someone else that needs this, too? Then, please share!!
Cyber-attacks are on the rise as hackers and criminals learn about and adapt to methods put in place by government agencies to prevent scams. The FBI’s Internet Crime Complaint Center (IC3) reported monetary losses totaling more than $1.4 billion in 2017. [1]
While anyone, regardless of age, can be a target of common money scams, many hackers specifically target seniors. Nearly 17% of reported cyber crimes in 2017 came from victims over the age of 60. And with losses of over $342 million, seniors are losing more money to scams than any other age group. [1] Considering the average age of retirement in the U.S. is 60, this trends is a serious threat to the financial security of many Americans as they enter retirement.
With an empty nest and retirement on the horizon, your senior years should be the time to pursue your passions—not get scammed out of your hard-earned savings.
This guide covers the basics of recognizing and preventing common online money scams, plus provides tips to help seniors navigate the online world safely.
Table of Contents:
Why Scammers Target Seniors
Pew Research shows that seniors are adopting technology, such as the Internet and smartphones, more than ever before. [2] If you’re among the technology adopters, you know how great technology is for connecting with your children and grandchildren who live far away and with friends you haven’t seen in years.
Con artists and scammers exploit seniors online believing that they aren’t Internet-savvy, despite many proving otherwise. Here are a few of the reasons seniors are a frequent target of scams online:
You generally have larger savings accounts and valuable assets.
You’re perceived as more trusting and polite.
You may not recognize and report the scam right away.
As you age, cognitive function and physical ability declines.
How to Recognize a Money Scam
As online scammers get increasingly sophisticated, certain types of fraud can be hard to spot even for the most adept Internet user. To keep from falling victim to scammers’ tactics, make yourself aware of common warning signs and stay vigilant. A gut feeling is always a good place to start. For example, if something feels too good to be true, it probably is. Also, if a request from someone you know feels out of character, trust your instincts and do your research before taking action.
An easy way to know if something is a likely con is to use the three U’s for identifying money scams.
Unexpected: If you receive an email from someone you trust making an unexpected or unusual request for money or personal information, contact them personally to confirm.
Urgent: If the tone of the message is threatening or asks you to act immediately, take time to think it over or tell a friend before acting. If you’re still unsure, check the IC3’s Alert Archive to see if there have been other incidents of the same scam.
Unsecure: Make sure the address bar reads “https://” and not “http://” when entering personal or financial information online. If a URL begins with “https://” that tells you the site is secure and protects information that’s transmitted. If you provide sensitive information to an unsecure site, it can easily be stolen.
Top 10 Online Scams That Affect Seniors
Scammers see senior citizens as easy victims, but you can prove them wrong by educating yourself on some of their common schemes. They often use things like healthcare, retirement savings and online dating to lure unsuspecting seniors into giving over their personal information. Here are 10 of the most common online schemes that target seniors.
1. Medicare Scams
If you’re 65 or older, you might rely on Medicare for your health coverage. Scammers know this and whenever Medicare sends out new cards or makes changes to its policies, they capitalize on opportunities to steal personal information. This can be done over the phone or by email. The scammer claims to be a Medicare representative and insists there’s a fee associated with getting you a new card or that your card has been compromised—neither of which is true.
According to Medicare.gov, “Medicare, or someone representing Medicare, will never contact you for your Medicare Number or other personal information unless you’ve given them permission in advance.”
How to protect yourself: Don’t respond to the email and mark it as junk or spam. If you need to speak with Medicare, call them directly at 1-800-MEDICARE (1-800-633-4227).
2. Health Insurance Scams
In order to make a profit, criminals may try to offer you health insurance plans that have little to no real value. In some cases, they may be selling discount cards or limited-benefit plans, but rarely explain how limited the coverage really is.
How to protect yourself: Never purchase insurance on the spot. Do your research on the company and thoroughly read the details of the coverage offered.
2. Counterfeit Medications
This scam is especially dangerous because it can cost you not only your money but your health. Prescription drugs aren’t cheap, and most seniors are dependent on a medication or two to maintain their health. Scammers exploit this by offering fake prescription medications for purchase online at a low cost. The number of counterfeit medication scams under investigation by the FDA is up four times since the 1990s. [3]
How to protect yourself: Always go through licensed medical professionals to get any prescriptions and pick up your medications at a local pharmacy. If you enjoy the convenience of ordering online, many reputable pharmacies allow you to refill your prescription online or have your medications delivered.
3. Phishing
Scammers often capitalize on your trust in people and institutions by posing as them in emails, on calls or in text messages. For example, the Social Security Scam is a form of phishing where scammers pose as government officials who need your social security information. Once they’ve gained your trust, they use that to gather personal, sensitive information like your Social Security number, bank/credit card information and/or passwords.
How to protect yourself: Always check the sender’s email address or phone number before clicking any links in emails or messages that request personal information.
4. Dating and Romance Scams
Online dating can be great for people of all ages—seniors included. But it’s important to practice the same kind of cautions online as you do in real-world dating. Online dating scams are one of the biggest and most costly scams, and scammers can break your heart and bank account if you’re not careful. It’s a red flag if someone builds a rapport with you only to turn around and ask for money. Even if the request seems heartfelt, like wanting to come see you, it could still be a play solely for money.
How to protect yourself: Take things slow, do your research and never send money to someone you don’t know personally. Even if you’ve met them, run the other way if they ask for money after you’ve known them only for a little while.
5. Investment Scams
In these cons, scammers take advantage of your need to build or maintain retirement savings. A lot of seniors are concerned about making their money last, which makes them vulnerable to ads or requests that promise high-profit, no-risk investments.
How to protect yourself: Stop and think, “Is this too good to be true?” Never accept an offer on the spot. If you’re not sure, talk it over with a trusted friend or check the IC3’s Alert Archive along with other online sources, such as the Scams and Frauds page on USA.gov.
6. Homeowner Scams
Seniors are at a point in life where they’re more likely to own their homes. While some may want to stay right where they are, others have grand dreams of moving to a new location—maybe somewhere warmer. In this scenario scammers work to identify the value of your property and then offer you a reassessment—for a fee, of course.
How to protect yourself: If you want to move, only work with a reputable realtor or go the for sale by owner route.
7. Sweepstakes and Lottery Scams
These scams use a surprise factor to trick you into thinking you need to click something to “claim a prize.” It can come as an email, a web pop up or even within a web page you’re reading.
How to protect yourself: If you receive an email that claims you’re a winner, it’s almost guaranteed to be a scam. On the off chance that you actually signed up for a sweepstakes, check your email inbox to see if you have a confirmation of your signup from the same email address. Better, yet, pick up the phone and call the company before you click on a link in an email or on a website.
8. Fake Charities
Seniors may feel more compelled to donate to those in need or contribute to disaster aid, but unfortunately fake charities often try and get donations after a natural disaster.
How to protect yourself: Do your research. Call a number to speak with someone from that charity or search the charity name and a phrase like “scam” or “fraud” in Google. You can also use the organizations listed by the FTC to research reputable charities.
9. Malware Scams
Using antivirus software is a great way to protect yourself from fraud. Unfortunately, scammers often pose as antivirus providers and instead install malware on your computer. These advertisements are often pop ups or web page ads.
How to protect yourself: Make sure anything you download to your computer is from a reputable source and never give anyone you don’t trust remote access to your computer.
10. Threats and Extortion
These types of scams utilize fear to get the desired outcome. Typically the scammer tells you that something terrible is going to happen if you don’t give them money or personal information.
How to protect yourself: Never act impulsively. Consider whether the scenario seems realistic. If you’re unsure or scared, talk to a friend. If the caller acts like a relative, hang up and call them back to ensure it is, in fact, your relative and not a stranger pretending to be your relative.
How to Protect Yourself Online
It’s good to know the basics about scams and the accompanying warning signs, but there are steps you can take to further protect your computer and online identity from fraud including. settings, tools and government resources.
Keep your firewall turned on. A firewall monitors incoming and outgoing network traffic to prevent unauthorized access to and from a private network. It protects your computer from hackers attempting to crash it or gain sensitive information.
Keep your computer’s operating system up-to-date. Make sure your computer software is up-to-date. You can usually subscribe to automatic updates online. If you keep your system updated, your computer will continue running smoothly and you’re sure to have the latest fixes for any security holes.
Turn on two-factor authentication. Two-factor authentication requires both a password and an additional piece of information to access your account. The second piece of information is typically a message sent to your phone or a code generated by an app or token.
Look out for unsecure networks and websites. If you get a warning message saying “Unsecure Wi-Fi Detected,” don’t visit any banking websites or store any passwords while on that network.Also, most browsers will warn you when you visit an unsecure site. The feature should already be enabled on most computers, but if not, make sure you enable this setting.
Install or update antivirus software. Antivirus software prevents malicious software programs from installing on your computer. Malware programs allow others to see your computer activity. Be wary of any ads on the Internet for these types of software as they are often not real solutions and instead are fraudulent.
Use a password manager. A password manager, like LastPass or Dashlane, lets you have a unique, strong password for every secure website—in other words, not your grandchild’s birth date. You won’t have to remember them all, because the password manager stores and encrypts your passwords for your protection.
Check your credit often. Major changes toyour credit can indicate potential fraud. Consider signing up for a free credit score and checking it every few weeks as a way to watch for changes.
Find Information About Active Scams
What To Do If You’re the Victim of a Scam
The best thing to do if you suspect you’ve been the victim of a scam is to report it. IC3 chief Donna Gregory says, “We want to encourage everyone who suspects they have been victimized by online fraudsters to report it to us.” IC3 receives over 800 complaints a day on average, so don’t let embarrassment keep you from reporting something.1 Reporting a scam helps law enforcement investigate similar scams and take action to bring the scammers to justice.
Steps to Take After Fraud
To report a scam, file a claim online at www.ic3.gov. You’ll be asked to provide complete information about the crime as well as any additional relevant information.
Once you’ve reported the scam to authorities, you also want to take action against any other loss. IC3 recommends that victims take actions, such as contacting banks, credit card companies and/or the credit bureaus to block accounts, freeze accounts, dispute charges or attempt to recover lost funds.
Keep a close watch on your credit reports and consider using credit monitoring tools.
In February 2018, the Justice Department made a coordinated sweep of elder fraud cases that resulted in several initiatives to reduce the number of annual cases. [4] This included building local, state and federal capacity to fight elder abuse, supporting research to improve elder abuse policy and practice, and helping older victims and their families.
Each year the number of Internet crimes increases and scammers become more sophisticated, but spreading knowledge and awareness is one of the best ways to combat the issue. Arming yourself with a basic understanding of the dangers online can help you protect yoursel f from fraud.
Additional Resources
Sources:
1 Federal Trade Commission Latest Internet Crime Report Released
2 Pew Research Center Tech Adoption Climbs Among Older Adults
3 National Council on Aging Top 10 Financial Scams Targeting Seniors
4 United States Department of Justice Justice Department Coordinates Nationwide Elder Fraud Sweep of More Than 250 Defendants
According to a study from Tessian, the vast majority of people who share things online put their identities at risk. People know not to share information such as their Social Security number on social media, but did you know you could be giving up sensitive information without realizing it?
For example, the Tessian study noted that 72% of people mention birthday celebrations, giving hackers insight into when their date of birth is. More than half of people share names and pictures of their kids, often on public social profiles, and more than 80% said they update social media when they get a new job. All this information can be used by hackers and cybercriminals to steal your identity. or better target you for various scams, including phishing emails.
But what about documents? Is it bad to post a picture of your driver’s license online, for example? Find out about seven types of information and documents you should keep off the internet below.
7 Things You Should Avoid Posting Online
Images of your driver’s license
Information about bank accounts or other financial accounts
Vacation itinerary or location information
Medical records, including COVID-19 vaccine forms
Health insurance cards
Photographs with location identifiers
Information about your internet-connected devices
1. Driver’s License
What can someone do with a photo of your driver’s license? A lot, actually. Your driver’s license includes a lot of information, including:
Your full name
Your address
Your date of birth
Approximate height and weight
Your driver’s license number, which is a unique ID number that might be used for official purposes
A picture of you
Rope all that together and it’s enough to give a cybercriminal a huge head start when it comes to identity theft. Access to this information could allow identity thieves to open new lines of credit in your name or find ways to access your existing accounts. Obviously, you should never post a picture of your driver’s license on social media.
But is it safe to send someone a picture of your driver’s license? Or, is it safe to send a picture of your ID to someone? It depends.
Sometimes, you need to send a picture of your ID to verify your identity. A common example might be when you’re applying for an online loan. In such cases, as long as you’re dealing with a reputable organization and sending the information via a secure process, it’s usually safe.
2. Information About Financial Accounts
Don’t post specific information about your financial accounts or any documents showing that information online. That includes account numbers, routing numbers, specific balance information or pictures of checks or contracts with payment information. It also includes tax returns or other tax-related documents.
You might think you can use photo-editing apps to cover the most sensitive information, but that’s not always a permanent way to hide the information. It’s a better idea just to leave these types of documents and information off your social profiles, blogs or other public-facing sites.
3. Vacation Information or Itinerary
It’s natural to be excited about a fun getaway and want to share the experience with others. But consider holding off on all the vacation info and photo dumping until you get home from your trip. Avoid sharing information about your getaway beforehand on social media, such as how long you’ll be gone and where you’re going.
If you share information beforehand, potential thieves can know that you’ll be out of your home for that period of time. They could take advantage of your absence and burglarize your property.
4. Medical Records, Including COVID-19 Vaccination Cards
Medical records contain a lot of sensitive information, including personal details that could help hackers steal your identity. From interesting X-ray pictures to written prescriptions, it’s a good idea to keep your medical records between you and your health care providers.
That’s true even of things that are fun or popular to share on social media, including COVID-19 vaccination cards and sonograms of your upcoming family addition. The Federal Trade Commission has publicly advised people against sharing their COVID-19 vaccination cards on social media. And if you really want to share a sonogram picture, ensure you crop out all the written information, such as names and medical record numbers.
5. Health Insurance Cards
Your health insurance card is your passport to medical care. If you post it online, you could be giving that passport to someone else. If someone steals your identity and uses your benefits, that can make it more difficult for you to get the medical care you need in the future.
6. Photographs With Location Identifiers
Depending on your camera settings as well as your social media settings, you could be sharing location information when you share images. Check your mobile device or camera settings and turn off GPS data for photographs. This is possible to do on iOS or Android.
It’s a good idea to avoid posting location data when you share images or posts on social too. Turn off any default settings that do this, and avoid “checking in” at businesses with apps or devices.
Giving away your location can clue people to the fact that you’re not home, increasing the risk of burglary or other crimes. But you should also ensure you’re not sharing photos on public blogs or social media accounts that let people know exactly where you live. Pictures that show street signs, the front of your home or a business on your street, for example, can be a potential risk when sharing publicly.
7. Information About Internet-Connected Devices
Finally, you might want to limit what you share about the internet-connected devices you have in your home. Avoid posting images of those devices or the manuals and instruction cards they came with. Those are all locations where passwords or log-in information might reside. The more a potential hacker can learn about your devices, the easier they may be able to access your home network.
Protect Yourself Against Identity Theft
You can take a number of preventive steps to reduce your risks of identity theft, including being careful about what you post online. And if you do find you’ve been targeted, there are things you can do to protect yourself even after identity theft.
In both cases, signing up for credit monitoring and identity theft protection may be a good idea. You might want to check out ExtraCredit—it includes Guard It, a tool that offers includes $1 million identity theft insurance, dark web monitoring and much more.
What a long, strange couple of months it’s been for me. On the blog, things have been quiet. Behind the scenes, I’ve been as busy as I’ve ever been.
The good news is that this busy-ness will (eventually) lead to a number of interesting articles. I’ve been reading Cal Newport’s Deep Work, for instance, and have some thoughts on it. I’ve been thinking about the concept of “no speed limits”. Shocking but true: I’m going to write an article about my primary credit card. And I’ve been reading and writing a lot about “doing nothing”.
Today, though, I want to clear my head (and my inbox) by sharing five short financial anecdotes.
In the past month, I’ve had probably twenty deep discussions about personal finance and personal values. While some of these conversations lead to bigger things (like the three articles I mentioned above), most don’t. But they still produce intertesting concepts and ideas. They sometimes lead me to make changes.
Here are a five money-related topics that don’t (yet) warrant articles of their own, but which I still find interesting (and worth sharing).
Going With Google
During my ten days in Portugal for the FI chautauqua, cell phone service was a common topic of conversation. Some folks didn’t have any. Others were paying a small fortune just to get a tiny bit of data from their provider.
There were two types of people who didn’t have any trouble with their cell service in Portugal: those who use T-Mobile and those who use Google FI.
“What’s Google FI?” I asked. I’d never heard of it.
“It’s Google’s cell service,” Owen said. “It’s cheap and has lots of features, but you can’t use it with Apple phones.”
“Actually, you can,” Bill said.
“But the website says it doesn’t work with iPhones,” said Owen.
“The website is wrong,” said Bill. “I’ve been using it with my iPhone for months with no problems — even here in Portugal.” He showed us his phone and explained how much he liked Google FI.
“I’ll look into,” I said. And I did. Here’s what I learned:
Kim and I currently spend $117 (plus taxes and fees) for our shared T-Mobile plan. This gives us a limited amount of high-speed data (although plenty for normal needs), plus service for my Apple Watch. (When the watch dies, I don’t plan to replace it, so eventually that’ll save us ten bucks per month.)
If we were to move to Google FI, it’d cost us $120 per month (plus taxes and fees). That’s roughly the same price, obviously, with no real advantages. (We’d have access to more high-speed data, although we rarely need that. Plus, we’d get Google One, whatever that is.) And it doesn’t include service for my watch.
My conclusion? For T-Mobile customers like us, moving to Google FI doesn’t make much sense. But I suspect many people ought to consider their service.
Meanwhile, we’ve been struggling with our wireless network here at home. Although Apple no longer makes wireless networking equipment, our network is built with routers from when they did sell the stuff. Some of these routers are now a decade old (or possibly older). We have four of them.
For whatever reason, our network is constantly going down. It’s frustrating. It’s quite common that three of the routers will be up while a fourth will arbitrarily decide to stop working for a few days. (And when we changed the network name last spring? Nightmare!)
While visiting MMM HQ last weekend, I noticed that Pete uses the Google Mesh system to provide service in his co-working space. “Do you like it?” I asked. “I’ve heard other people rave about Google Mesh, but I don’t know anything about it.”
“It’s awesome,” he said. “Totally trouble-free.” So, I’ve ordered a starter set of Google Mesh devices. They’ll arrive tomorrow. I have high hopes that this will cure our wifi headaches.
Taming the Email Beast
After returning from my nineteen-day trip to Portugal, Wisconsin, and southern California, my email inboxes were swamped. (I have five separate gmail accounts. Crazy, right?)
Naturally, I complained about the situation on Facebook. My friend Charlotte sent me a private message: “Do you have time to hop on a video call?” she asked. “I’ll show you a way to tame your email.”
Charlotte spent twenty minutes walking me through an email system she recently adopted. It effectively divides your gmail inbox — and yes, you have to be using gmail — into five different inboxes, each of which is themed. Once a day, you tackle your main inbox, routing messages to sub-inboxes. Then, when you have time, you work through the other inboxes.
This is a minor change to the way I do things (and admittedly it mostly delays messages to later), but it’s effective.
I send myself email twenty times each week. It’s my note-taking system. It’s how I offload things from my brain. This is great…except that my inboxes tend to get flooded with book recommendations, article ideas, and reminders of upcoming events. It’s a mess. Using this system, I can still send myself messages, but I’m now able to flag these messages so they’re routed to the appropriate sub-inbox.
I’ve been following Charlotte’s advice for two weeks now, and I like it. It hasn’t solved my email woe, but it’s mitigated the problem substantially.
Dozens of Credit Cards
Last weekend, Kim and I flew to Colorado to celebrate the birthday of a certain mustachioed friend. While there, I had several memorable conversations.
For instance, I chatted with Amy from Go With Less about how she and her husband play the credit-card game. They have an insane number of cards — 34? 43? I can’t remember the exact count — and over three million credit-card points.
While our conversation touched on topics like manufactured spending (a concept that blows my mind and angers card issuers), I was more interested in how and why Tim and Amy juggle dozens of credit cards. Doesn’t this hurt their credit score? Turns out: No. Because they pay bills on time and never cancel cards, they have nearly perfect credit.
Here’s a video in which they address this topic:
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I wanted to ask Tim and Amy more about their crazy credit-card fueled lifestyle, but I didn’t have the chance. I look forward to picking their brains more in the future, though.
Health Shares for the Non-Religious
Last weekend, I also had a conversation with Ben, who famously gets his cars for free. Ben is super smart and doesn’t accept the status quo. He’s always looking for ways to challenge the system in order to make the most of his money.
Lately, he’s been doing this with healthcare.
For many people who have retired early, health insurance is thorny issue. It’s expensive. Take my case, for example. I pay $403 per month for shitty coverage. This year, I’ve met my $7900 out-of-pocket max, which means I’ll have spent $12,736 (plus co-pays and prescriptions) when the dust settles. I hate the U.S. healthcare system. It’s insane.
Well, Ben too thinks it’s insane. Rather than complain about it, though, he’s been seeking creating solutions.
“Have you looked at health-sharing ministries?” Ben asked me on Sunday morning. “They can be a great way to cut costs.”
“I have,” I said. “But they all require a statement of faith, which I’m not able to give.”
“I had the same problem,” Ben said, “so I searched for alternatives. I found Sedera. It’s basically the same as a health-share ministry. You still have to agree to abide by certain principles, but they’re not based on a religion.”
“Is it affordable?” I asked.
“Yes,” he said. “I’m paying $200 per month per person for my wife, my daughter, and myself.”
“That’s not bad,” I said.
“But here’s the thing,” Ben said. “Sedera is designed to work with a direct primary care physician.”
“A what?” I said.
“A direct primary care physician is just what it sounds like. It’s a doctor that you work with directly without a third-party intermediary. That means the doctor bills you directly, not an insurance company. When you combine this with a health-sharing program like Sedera, it’s a cost-effective alternative to traditional insurance.”
“Kim and I have an appointment to talk with an insurance broker next week,” I said. “I’ll have to look into this as an alternative.”
“Do it,” Ben said. “You won’t regret it.”
Downgrading My Motorcycle
Lastly, here’s a topic that comes from several different conversations and a lot of soul-searching on my part.
When Kim and I started dating, I was surprised to learn that she was a motorcycle enthusiast. After she bought her father’s bike from him, I decided to learn to ride myself.
I started with a low-power Honda Rebel, which was perfect for my needs. Then, a couple of years ago, I made an impulse purchase: I upgraded to a Harley-Davidson Street 750. The new bike gave me the power to keep up with Kim on long trips. (The little Rebel was always falling behind on the highway.)
Turns out, though, that for day-to-day riding, I wish I had my Rebel. Kim and I don’t make many long trips — about one per year. And when we do, I’m fine falling behind. I’d rather have a quick and easy bike for running errands or zipping downtown. My Street 750 is not the right bike for this. It takes a long time to gear up and get the Harley ready to go.
I’ve spent the past year trying to figure out my best move. I’ve talked with a lot of friends and considered several options. Do I just stick it out with the motorcycle I have? Do I buy a new Rebel? Do I do something else?
After much thought and contemplation, I’ve decided that my best plan for the motorcycle situation is three-fold:
Sell the Street 750. Use the proceeds to purchase two replacements.
Buy a (used?) scooter to use for errands and running downtown. Kim plans to sell her motorcycle, so long trips are no longer an issue. I want something quick and easy to ride. I want to be able to get on the bike and go.
Buy an electric bike for use around home. I already own a bike, but as I’ve mentioned before, I don’t ride it. For one, I am fat. For another, we are surrounded by hills. MMM has urged me to look into Rad Power electric bikes.
Making this move — which likely won’t happen until the spring, when people are looking for motorcycles — is much more aligned with my values and lifestyle. Currently, my motorcycle mostly gathers dust. I ride it maybe 1000 miles per year. I’d ride the scooter more often, and the electric bike would get me out slicing through these hills for exercise!
What about you? What financial conversations have you been having with your friends? What minor money moves are you making in your life?