PERSONAL FINANCES / JOHN NINFO: Some favorite subjects revisited
We have spoken in the past about the serious problem of food waste in our country. I recently learned about some food waste apps and services from wellandgood.com, including:
1. Imperfect foods (imperfectfoods.com)
You never know what to expect when your box of Imperfect Foods lands on your doorstep. You will find “ugly” fruits and vegetables – items that would have been wasted because of their imperfections. But instead of being wasted, they are sent to homes that know they are just as healthy and appreciate all the character they bring to meals.
2. Misfits Market (https://www.misfitsmarket.com/)
Misfits Market works with farmers to send organic and sustainably sourced produce home to you for up to 40% off what you would pay at the grocery store. This gives people affordable access to healthy food, as well as reduced food waste – it saves “unsuitable” products that would have been thrown away.
3. Too good to go (https://toogoodtogo.com/en-us)
When you download Too Good To Go, you can start preventing restaurant, bakery, and supermarket meals from going to waste. After finding a store near you, place your order and pick up your meal at a specific time. You’ll have a perfectly delicious meal at a great price, and keep that food from going to the trash. Find it on the App Store or Google Play.
4. Hungry Harvest (https://hungryharvest.net/)
Each delivery of Hungry Harvest saves at least 10 pounds of wasted food. Not only that, but you also spend less on these fruits and vegetables than you would in a store. You can also add other salvaged staples to your order, such as coffee, cereal, eggs, bread, and canned goods.
5. Flashfood (https://www.flashfood.com/)
The Flashfood app allows you to quickly find discounted foods in grocery stores in your area. You can mark anything approaching its “best before date” at a reduced price, and you can pay directly through the app. Right now, it’s available in select stores in Michigan, New York, Pennsylvania, and Wisconsin. Find it on the App Store or Google Play.
Recently, we revisited identity theft and scams. There is no doubt that “no good nicknames” are getting more and more creative. Here’s a scam learned and sent by Doug, a retired State Trooper and regular reader. The following is an account of the victim’s incident:
“On Wednesday, a week ago, I got a phone call from someone saying they belonged to a group called ‘Express Couriers’. (The name could be any courier company.) He asked if I was going to be home because there was a package for me that required a signature. The caller said the delivery would arrive at my home in about an hour.
“Sure enough, about an hour later, a uniformed delivery man arrived with a beautiful basket of flowers and a bottle of wine. I was very surprised, as there was no special occasion or holiday, and I certainly didn’t expect something like this. Puzzled, I asked who the sender was. The courier replied, “I don’t know, I’m just delivering the package.” Apparently a greeting card was sent separately. (The card never arrived!) There was also a consignment note with the gift. He then explained that because the gift contained alcohol there was a delivery / verification fee of $ 3.50. “, providing proof that he had actually delivered the package to an adult (of legal drinking age), and not just left on the doorstep where it could be stolen or taken away by doesn’t matter who, especially a minor. It seemed logical and I offered to pay in cash. He then said the delivery company required payment to be made by credit or debit card only, so everything was properly accounted for, which would help keep a legal record of the transaction. t carry cash to avoid losing or possibly being the target of theft.
“My husband, who was standing next to me, took out his credit card and the ‘delivery man’ asked him to swipe the card on a small mobile card dispenser with a small screen and keypad. Frank, my husband, was asked to enter his PIN code and a receipt was printed. He received a copy of the transaction. The guy said everything was in order, and wished us a good day, and left.
“To our horrible surprise, between Thursday and the following Monday, $ 4,000 had been debited / withdrawn from our credit / debit account at various ATMs. Apparently the “mobile credit card dispenser” the delivery man was carrying now had all the information needed to create a “dummy” card with all of our card details, including the PIN code. After discovering the illegal transactions on our card, we immediately informed the bank that issued us a new card and our credit / debit account.We also went personally to the police, where it was confirmed that it was was acting like a scam because several homes had been affected in the same way.
WARNING: Be wary of accepting any “surprise gift or package” that you have not personally planned or ordered, especially if it is any payment as a condition of receiving the gift or package. Also, never accept anything if you don’t know the person personally or if the sender is not correctly identified. Importantly, the only time you should give out personal credit / debit card information is when you’ve initiated the purchase or transaction yourself!
We’ve talked a lot about taxes recently, including how they could be restructured to finance deficit and debt spending and make sure everyone pays their “fair share,” as well as how to wipe out all those taxes. not collected and such unreported income. We are all feeling these short-term price increases and the resulting “inflation”, and we hope that all of the proposed government spending and increased corporate taxes will not make inflation a problem longer. term. That said, here’s a “fair” snapshot I recently heard on NPR. “Inflation is a tax for all of us.”
John Ninfo is a retired bankruptcy judge and the founder of the National CARE Financial Literacy Program. Find his previous weekly columns on http://www.mpnnow.com/search?text=Ninfo