How to Invest in Penny Stocks

More than with most assets, it’s imperative to truly understand how to invest in penny stocks before you start to buy. Here’s what you need to know to invest safely.

Source: moneycrashers.com

How to Get a Chase Debit Card Replacement

If you lose your chase debit card by any chance or if it was stolen, you can request a replacement very easily. But one thing you cannot do anymore is to just go to a Chase branch in your neighborhood and request a replacement card. While it was convenient, Chase discontinued that method due to fraud.  We’ll show you how you can replace your chase debit card in 3 other ways.

Note that if you card is about to expire, there is no need to request a replacement card. Chase will automatically send you a new card during the month your current card will expire. The main reasons to request a card are if your card has been stolen, lost, or damaged.

Three Simple and Easy Ways to Request a Chase Debit Card Replacement:

1. Do it online at Chase.com

The first way to request your Chase debit card replacement is to do it online.

1. Go to Chase.com to sign in. 2. Once you are on the homepage, click on the “More…” options. 3. Then, click on “Account Services.” 4. Then, click on “Replace a lost or damaged card.”

After you have completed all these steps, the new window will ask you to choose a Chase debit card that you need to replace. It also ask you to choose a reasons why you need to request a Chase debit card replacement.

The three main reasons you will notice on the drop down menu are: 1) my current cards needs to be re-issued; 2) My card is lost; 3) My card wasn’t received.

Once you have chosen a reason for replacement, review and submit your request. You should receive your card in 3-5 business days. If you don’t receive your card after five days, call Chase customer service using the number on your statement. 

2. Replace your Chase Debit Card by calling customer service.

Another way to order a Chase debit card replacement is through telephone. Using the Chase customer service is available 24/7. So you can call immediately, especially if you think your debit card was stolen.

The telephone number to call is 1-800-935-9935. If your credit card that is lost, damaged or stolen, the right telephone number is 1-800-432-3117.

3. Replace your Chase debit card is through the Chase Mobile app.

Lastly, the third way to replace your Chase debit card is through the Chase Mobile app.

If you have installed it on your phone, this should be very easy and straightforward. Right from your phone, follow these steps:

1) After you login into your Chase Mobile app, tap on the debit card or credit card you want to replace. 2) Scroll down to find “Replace a lost or damage card.” 3) Then, choose the card you want to replace and then choose a reason for replacement. 4) Review your request and submit it.

Simple and done!

In conclusion, if you think you need a Chase replacement card, request it either from the Chase Mobile app, sign in to chase.com, or call the 800 number. It’s easy and you can request it in under 5 minutes. But one thing you cannot do is visiting your local branch and request one instantly. Chase will not replace your debit card at any of its locations. You’ll have to use the three methods outlined above.

Related:

  • CIT Bank Savings: How Much Can You Earn?
  • How Much Should You Save a Month?
  • What is a Consumer Loan

The post How to Get a Chase Debit Card Replacement appeared first on GrowthRapidly.

Source: growthrapidly.com

How and Where to Find Good Deals on Furniture

If you want to actually see your items in person but don’t want to drop top dollar, stores like Target and Walmart give you that choice. Most of these stores have partnered with celebrity designers or just plain celebrities, like Chip and Joanna Gaines and Drew Barrymore, to create stylish collections that look like your favorite luxury home items at a fraction of the price.
Many furniture stores have outlets, including one you may not expect: Anthropologie.
If you really want to save money on furniture and get high quality, the best option is to go vintage. Not only is it environmentally sustainable, but you’ll likely find really interesting styles at a much lower price than anything new.
When the time comes, you’ll have a Zoom appointment with an employee who will take you through the store. If there are specific items that catch your eye, they’ll stop and answer any questions about things like price, dimensions, details. This is likely the cheapest you’ll ever find unused Anthropologie furniture, but that comes with a caveat. I found that the best deals were on damaged merchandise, which ranged from a fabric stain to a chipped piece of wood furniture.
For me, I knew I would be much happier having the style I wanted in a light fixture, even if it wasn’t as well-made as independent, artisan options.
How do they work? First, email anthrohomeoutlet@anthropologie.com to get an appointment. In my experience, they respond fairly promptly with a 30-minute time and ask if there are any kinds of furniture in which you’re particularly interested.

Shop the Outlets

There’s a reason I use the term investment. Purchasing furniture isn’t like buying an item of clothing or a car — its value doesn’t drop the second you walk off the lot. You can take your furniture with you to any space you live in. And if you get rid of it, you can generally make up some of your cost by selling the pieces on sites like Facebook Marketplace and Nextdoor.
I had an exact vision in mind. I wanted a teal velvet fabric to go with my already-planned design scheme and an L-shape that would allow for two people to lie down separately while watching TV.
For all the best advice on vintage furniture, I went to Paul Donofrio, owner of St. Petersburg’s Vintage Marché, a monthly market of vintage furniture from a variety of vendors.
One pro trip: when searching for things like light fixtures or even bigger furniture pieces online, be as specific as possible. I do this by identifying a “dream item,” the model item I can’t afford but want to find something similar to, and then use generic terms to describe it.
My biggest piece of advice: watch their Instagram story @anthro_homeoutlet if you’re on the hunt for furniture. Their home outlet is a great choice if you’re looking to totally rework your style because they have so many options.
I love how the style adds flair to my dining room but also didn’t break the bank. When making investments in furniture, it’s important to think about your values. Do you value comfort or style more? Do you view furniture as part of your life or more like pieces of art?
Other spots I always check for unexpected discounts are the clearance sections of department stores like Macy’s or Nordstrom. Macy’s even has a Last Act section for their deeply discounted items — these usually aren’t couches or bed frames, but you can almost always find plates, curtains, throw pillows and home accoutrements here for heavily reduced prices.
When I moved into a house this summer, my first big task was to buy a sectional couch.

FROM THE SAVE MONEY FORUM

Mix High and Low

But there are also ways to save money from the get-go while buying good furniture. Here are my strategies.
Source: thepennyhoarder.com
Anthropologie opened its first (and so far only) home outlet in Pittsburgh in the fall of 2019, according to the Pittsburgh Business Times. The outlet is now taking virtual appointments.
I typed “gold Sputnik chandelier” into Amazon and found a option that I loved.

A gold Sputnik chandelier sits above a dining room table in this screenshot taken from Amazon.

In terms of design, Donofrio holds to this adage: “if it’s on stilts, it will sell.” What that means is look for furniture with tapered atomic legs, or what Donofrio calls casually “ice cream legs.”
But when I started searching online, I was shocked by the sticker prices. In the world of furniture, it seemed there were two options: sites like Amazon and Wayfair, where you can often find a bed frame or couch for as cheap as 0 or 0, or larger luxury furniture chains like West Elm and Crate and Barrel, where almost every big piece is over ,000.

Buy Thrift, Then Redesign It

I knew I wanted to replace the chandelier above my dining room table. It might have resembled ornate crystal but it was actually just plastic. And I had a style in mind: the Sputnik design, which looks like a giant orb with spokes coming off of it.
Yes, furniture stores have sales, but they usually cap out at the 20 to 30 percent off range. That takes some of the burn off the tag, but not all of it. I ended up buying a slightly reduced custom sectional from West Elm and chalked it up to an investment.
Another great place to look for discounted furniture is HomeGoods, owned by the same company as T.J. Maxx and Marshalls. Home Goods’ merchandise varies from store to store, but they often have great bargains and stylish furniture, as well as little knick-knacks to decorate your space.

An owner of a vintage market stands next to vintage furniture and wall hangings at his store. He's wearing a blue shirt with a bandana around it.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
But all in all, Donofrio says good design is timeless. And if you find a design you love with elements you don’t — say, a darkened wood dresser or a mustard yellow couch — you can always reupholster or stain and refinish the piece and make it different. In the case of mid-century furniture, Donofrio says, that can even add value.
His guidance is to be constantly on the lookout and ready to make a purchase for a good piece even when you’re least expecting it.
The worst part about virtually shopping the store is that they don’t offer shipping. During my virtual appointment, I didn’t fall in love with anything, so I didn’t look into shipping. But the outlet does offer recommendations for local third party delivery companies.