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Secrets of the Secret Society for Creative Philanthropy

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Regular _floss readers may remember the article I posted last month about The Secret Society for Creative Philanthropy. The group gives away $100 grants to people, as long as those people promise to give away the money in a creative way. We got so many excellent reader ideas in the comments section, we decided to take a closer look at the Society's past giveaways.

Before we get started on the actual philanthropic practices of the Secret Society for Creative Philanthropy, let's take a quick look at the history of the program. In my original article, I mistakenly said the Society was based in the Bay Area. As it turns out, the San Francisco and Athens, Georgia, branches are only chapters of the original group, which was started by Courtney Martin in New York City back in 2006.

Miss Martin was an aspiring writer who had just finished her first book, Perfect Girls, Starving Daughters, and suddenly found herself in possession of a six-figure royalty advance. Unlike most people, who would be thrilled to have this amount of cash in their pockets, Martin felt guilty that she suddenly had so much money, so she decided to give some of it away to charity. The only problem was that she didn't know how. In the end, she decided to give nine of her friends and family members $100 and then ask them to give it away as they saw fit. She only asked that they reported back to her a month later.

And thus, the Secret Society for Creative Philanthropy was born.

[Image by Flickr user Surat Lozowick.]

The organization met together on a regular basis, but in the last year, their publicity has exploded. The no-longer-secret society was featured in the New York Times, Forbes, and San Francisco Chronicle. Aside from the San Francisco and Athens chapters that have already sprung up, Martin says there are chapters being planned for Maui, Krakow, Houston, Santa Fe, Vancouver and Los Angeles. If your city isn't on the list, Martin encourages you to just start your own anyway. Based on the comments section in our last article, I'd say plenty of you have grand enough ideas to start a chapter in your neighborhood.

Now what about the giveaways that have already taken place in the existing chapters? Here are 15 that definitely stand out as prime examples of creative philanthropy in motion.

  • Editor Kate Torgovnick collected the works of young New York students involved in a nonprofit literacy program and is turning their writing into a book.
  • Brett Lockspeiser broke his $100 into dollar bills and sat in a San Francisco BART station with a sign that said, "I will give you $1 for you to give to someone else." Many people gave it to a grateful musician who was playing in the same subway station. One passerby posted a note to Lockspeiser on Craigslist later, assuring she did pass on the dollar.
  • Television writer Becky Friedman broke her $100 into 10,000 pennies and then passed them along to friends who lived throughout the country. She then asked her friends to spread them out in their cities in order to make lucky pennies easier to find.

[Image by Flickr user Cobalt123.[

  • Helen Coster, a journalist for Forbes, put $100 into a "thank you" card and then asked her friend to give it to the friendly clerk at the local drug store who always manages to brighten her day when she buys toothpaste.
  • Kamy Wicoff, the founder of SheWrites.com, offered the award to the most frequent commenter on her woman's writing website. The winner of the $100 ended up being a former corrections officer who was looking to take up writing.
  • Alphabet City resident Michael Radparvar spent his $100 to fix a bike he found on the street, which he then gave to a person whose bike was recently stolen.
  • David Ibnale tried to give away umbrellas to passersby during a Bay Area rainstorm, only to find that many people thought it was a suspicious act.
  • Jocelyn Wyatt filled up two boxes with Reese's peanut butter cups, Kraft macaroni and cheese, and red licorice and then sent them to college students who were doing volunteer work in Guatemala and Senegal. Since she spent the full $100 on the treats, she had to spend an extra $120 of her own money to ship the food.
  • Christina Zanfagna lived out a movie scene and offered to buy drinks for everyone in a restaurant. How many times have you wanted to yell out to everyone "the next round's on me"?
  • Clark Kellogg put the $100 in a bank account and estimated that it will turn into $2.1 million (??) in 100 years. He has left written instructions for his great-granddaughter to distribute the funds to strangers when she retrieves it in the next century.
  • Jeremy Mende brought a stack of dollar bills to San Francisco's Union Square and then offered to pay people $1 if they had a conversation with one another. He videotaped the results and it's now a popular online video:

100 Dollars 50 Conversations from MendeDesign on Vimeo.

  • That's not the only viral video showing the works of these guerrilla do-gooders. Andrew Marantz paid strangers in New York's Bryant Park to hold his hand and share secrets while he taped the connections:
  • Joshua Krafchin walked along New York's B train and begged people to take one dollar bills from him. Like Ibnale, he found a lot of people were surprisingly suspicious to take something from a stranger with no strings attached. The expressions of the distrustful subway riders are pretty amusing:
  • Martin's mother broke the $100 into 400 quarters and spread them around a grammar school playground, which provided the kids with one of the most stimulating recesses they had ever had.
  • Amy Coenen wrote inspirational messages about giving on the back of $5 bills and then left them as tips throughout the city.

I know many readers already left comments about what you would do with $100, but if you haven't already, share your ideas here. Also, tell the tales of the time a stranger's generosity helped brighten your day.

I think between all of you we can easily spark enough inspiration to bring a few new chapters to the Society.

As for me, I'd send anonymous cash donations to a few of my favorite blog writers. There are a lot of bloggers out there that bring me hours of joy and I know they get minimal thanks and compensation for their time.

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How Can I Save Money During Wedding Season?
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According to one survey, the average American spends more than $600 on wedding-related costs—and that’s just to attend as a guest. If you have two or more events coming up this year, that adds up quickly! But with careful planning and some inside tricks, you can make it through wedding season without breaking the bank. Here are some tips so that you can focus on the stuff that matters.

1. PUT YOUR REWARDS POINTS AND MILES TO GOOD USE.

You’ve been racking up airline miles for months (maybe even years), and now is the time to use them. Leverage those air miles you’ve earned, rent a car or book a hotel room with that cash back, or see if your credit card offers discounts to certain retailers where you can shop with reward points rather than cash. Some credit cards let you redeem your cashback rewards for boosted value gift cards, which means you could redeem for even more value.

2. MAKE A VACATION OUT OF IT.

If you’re already traveling a long distance, consider flying out a few days early. Since weddings usually require guests to travel at peak weekend times, you can save by flying on a Tuesday or Wednesday. You will be spending more on lodging each night you are there, so factor that in as you plan your budget.

Even if you don’t add any extra days, book your transportation as soon as you finalize your travel dates. Once upon a time you could save money waiting for last-minute flights, but with so many budget airline options, you won’t be doing yourself any favors waiting until the last minute.

3. RESEARCH HOTEL RATES.

The bride and groom will likely negotiate block room rates for their guests, but don’t assume that is the best price you can find. Before booking, check around the web to see if you can secure a room at the same hotel for a lower price. You also might find cheaper options farther away from the venue. A short drive can be worth it to save $30 each night, but be prepared to take cabs or skip the open bar so you can drive yourself back at night.

4. RENT A HOUSE WITH FRIENDS.

Rather than booking a bunch of hotel rooms, find a great group house online. Depending on the location, you can find some incredible homes for less than $100 per night. Even better, you can save money by cooking and socializing at home rather than out on the town. You will need to account for transportation from the rental property to the wedding, but a cab will likely be cheaper than opting for the hotel where the couple has arranged transportation. If you don’t know many people at the wedding, ask the couple if they have other friends looking to share accommodations. Not only will you save, you might make new friends!

5. DON’T WAIT TO BUY YOUR GIFT.

Find out where the couple has registered as soon as possible. The earlier you scope out the registry, the more options you will have to find a gift that fits your budget. Guests attending bridal showers and engagement parties tend to snap up the less expensive items ahead of the wedding, so try to purchase your gift at least four or five months out. Not only will you look totally on top of things, but shopping early will give you time to get on the mailing lists for the stores where the bride and groom are registered and keep an eye on sales.

6. POOL RESOURCES FOR A GROUP GIFT.

Get a bunch of friends together and go in on a big-ticket item that no one person can afford. Not only will you each likely spend less than you would alone, you will be able to get the couple an expensive item that they might not otherwise receive. (Added bonus: You’ll be first on the invite list when they christen their new grill.)

7. GO BEYOND THE REGISTRY.

Consider giving your time and/or your talents in lieu of a physical or monetary gift. Maybe you are a skilled photographer, makeup stylist, or hand letterer. There are lots of ways to contribute to your friends’ weddings that will save both of you money. Even offering to help run errands the weekend of the wedding will be greatly appreciated, and it will ultimately be a more meaningful gift than a $50 salad bowl.

8. BUY IN BULK.

It may not sound romantic, but when you see items like picture frames and champagne on sale – stock up! Then all you have to do is slip in a beautiful photo of the couple, get some nice wrapping paper, and you’re good to go!

9. INVEST IN A GREAT WEDDING OUTFIT...OR RENT ONE.

Unless you are part of the wedding party, you should not focus too much of your budget on your own attire. Women can invest in a classic black, navy, or gem-toned dress and mix it up with accessories. (Stay away from patterns; they are memorable.) It’s also a good idea to get a good, comfortable pair of neutral shoes that you can wear to every wedding. If you’re hesitant to wear the same dress in front of your friends, swap dresses with a friend or rent a designer dress.

Men will find it easy to change outfits just by mixing shirts and ties with one great suit. If you are attending a black-tie wedding, a black suit and black tie will fit the bill, or you can rent a tuxedo from a local shop or online.

10. IT IS OKAY TO RESPECTFULLY DECLINE AN INVITATION.

As much as you would love to attend every wedding, shower, or bachelor(ette) party, it isn’t always practical. You might have already taken a big vacation this year, so you cannot afford to attend a destination wedding in the Bahamas. Or maybe your friend’s fiancée invited you to her shower just to be polite. It is acceptable to say no. True friends will understand.

11. REMEMBER WHY YOU ARE THERE.

Don’t forget that you are there to celebrate your loved ones and the fact that they have found their partner in life. It’s not worth overspending and risking feeling resentful over what should be a happy occasion. Remember, your friends do not expect (nor want) you to go into debt so that you can be a part of their big day. They would much rather have the pleasure of your company than an expensive gift. Stick to what works for your personal budget and have a great time honoring your friends.

It’s that time of year: Wedding bells are ringing. And ringing. And ringing some more. Feeling overwhelmed by all the events on your calendar? The Discover it Miles Card will automatically match all the miles you earn at the end of your first year, which means 20,000 miles can turn into 40,000. The best part: There’s no limit to how much they’ll match. Terms apply. Visit Discover to learn more.

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5 Ways to Avoid Extra Rental Car Fees
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Walking into a rental car dealer should be a simple task. Walk in with a reservation, your ID, and your credit card, and walk out with a set of keys. But more often than not, picking up and returning a rental car is a dizzying array of add-on offers and potential fees. How do you make the most of your vacation without getting tripped up by unnecessary costs? Condé Nast Traveler has some smart tips for keeping it under budget, and we’ve added a few tips of our own as well. Because you can never save too much money.

1. DON'T BUY EXTRA INSURANCE.

Are you paying for your rental with a credit card? Your credit card company likely provides its own rental car insurance. Your own car insurance, too, will often cover rental car trips. Check with both to determine whether you really want to spend extra on the rental company’s collision damage package. No, you don’t want to be fully liable if you total your shiny rental car. But that doesn’t mean you need to shell out a pricey daily fee for peace of mind. In fact, some credit cards don’t offer rental car insurance if you’re also covered under the rental agency’s collision damage waiver, so you may be shooting yourself in the foot if you get it. Make sure to check whether your credit card coverage is primary or secondary insurance, though.

2. DON'T BUY THEIR GAS.

At some rental car agencies, you can prepay to have them fill your tank after you drop the car off. That means you’ll save time on the way back, and generally, the price-per-gallon seems relatively cheap. The problem? You’re probably not going to run your rental car down to empty right as you pull into the return lot, and then you’ve just given the agency free gas. It’s never a good idea to leave filling up to the agency. Unfortunately, that’s doubly true on the return end if you've opted for the prepay—you’ll get hit with a huge premium if you forget to fill the tank and have to buy gas from the company when you’re handing over the keys. You don’t want to get stuck paying $15 per gallon.

3. AVOID THE AIRPORT.

It’s super convenient to hop off the plane and go right to the rental car agency, but that convenience comes at a price. Airports charge rental agencies concession fees to operate on their property, and those costs get passed along to you. If you can take a quick (and cheap) train or cab ride to a nearby agency a few miles away from the airport, you’ll probably pay lower rates.

4. FIND A DISCOUNT.

If you’ve got a travel credit card, you might get a discount at some rental car partners. Citi cardholders, for instance, get up to 20 percent off Hertz rentals, while Visa cardholders can get up to 25 percent off National car rentals. Chase’s Sapphire Reserve credit card gives discounts at Avis, National, and Silvercar.

Your employer may also provide rental car discounts, as do some airline and hotel rewards programs. You can even find a discount on Groupon. So don’t reserve blindly. A little research into coupons could save you significant money.

5. DON'T BOTHER TO RETURN EARLY.

In most cases, it’s better to show up early than late. But with rental cars, you can be penalized for returning your car too early. Depending on when you return it, you could be charged a different rate than what you originally planned. If you return a car on Saturday morning instead of Sunday morning, you might end up with a weekday rate charge instead of a weekend rate. If you have a weekly rental, you’ll be paying for a full week whether you return it after five days or the full week. If you return a weekly rental after four days, you might end up paying the day rate, which could be more expensive. In short: You want to stick to your original plans as much as possible, and if you do need to return your car early, call the agency first to check how it will affect your bill.

[h/t Condé Nast Traveler]

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