Capital One Eliminates Overdraft Fees: Who’s Next?

Capital One has eliminated overdraft fees and non-sufficient fund fees for all of its consumer banking customers, making it the first major U.S. bank to do so.

It joins a list of seven other smaller financial institutions that have already ditched overdraft fees and the question is now, will more big banks follow suit?

No More Overdraft Fees at Capital One

Capital One is not the first bank or credit union to eliminate overdraft fees, a penalty that disproportionately affects people who can’t afford them.

Earlier this year, online banking giant Ally Bank made headlines for eliminating its overdraft fees, and Alliant Credit Union, another major financial institution, followed shortly after.

Capital One is different from Ally and Alliant, however, because of its sheer size. Capital One is the nation’s sixth largest retail bank and, as of now, the only one in the top 10 to eliminate overdraft and non-sufficient funds fees.

Three of those top 10 banks, according to the Consumer Financial Protection Bureau, were responsible for 44% of the $15.47 billion in overdraft revenue collected in 2019. Those three banks are JPMorgan Chase, Wells Fargo and Bank of America.

Why the Change?

“This is an important mission moment at Capital One. We are making this choice to help our customers succeed. And along the way we are changing banking for good,” wrote Richard Fairbank, Capital One’s Founder and CEO, in a memo sent on Dec. 1 to “All Capital One Associates. The memo was provided to The Penny Hoarder by Capital One’s public relations department.

Capital One reports that this will cost the bank more than $150 million in annual revenue.

“Over the years we have taken our own path,” Fairbank wrote to employees. “We have capped fees, waived fees, and introduced grace periods for consumers to turn their balances positive before fees are assessed. Our fee levels are at the far low end of the industry. But we aren’t done yet. We are going to zero.”

And though Capital One is losing serious revenue by trending toward no fees, some experts think it makes financial sense.

“Their array of financial services skews heavily towards credit cards, which are a great source of revenue in the form of interest rates and fees,” said Ann Martin, Director of Operations at CreditDonkey. “By eliminating overdraft fees for their banking products, they will be able to bring in more consumers, many of whom can then be set up with Capital One credit cards, replacing any lost revenue from overdraft fees.”

Overdraft Protection Still Offered

Capital One customers can still opt in to overdraft protection. This will prevent their debit cards from being declined or their checks bouncing if they spend more than they have in their checking accounts.

The difference now is that this service is free of fees. If you are a Capital One customer, make sure you have opted into this fee-free service to protect against important bills (like rent or utilities) not getting paid because of insufficient funds.

That said, Capital One customers will have to demonstrate that they can manage recurring deposits before being eligible for the program.

Banks and Credit Unions That Don’t Charge Overdraft Fees

These eight financial institutions — banks, credit unions and cash management services — do not levy overdraft fees:

  • Ally
  • Alliant Credit Union
  • Capital One
  • Betterment *
  • Axos
  • Discover
  • Fidelity*
  • KeyBank**

*Fidelity’s account is a cash management account, which is slightly different from a traditional checking account and is built for those using Fidelity to invest. Betterment is also a cash management service which offers investing programs and a mobile-first checking account. 

**KeyBank’s overdraft protection for its Hassle-Free Account results in a declined transaction. No fees, but also declined payments for things like rent and utilities can still result in late fees for those struggling with finances.

Some large banks, including Wells Fargo, Chase and Bank of America, do offer specific accounts without overdraft fees, but the accounts are lackluster in terms of offerings and charge monthly maintenance fees.

Looking for a new checking account? We’ve got recommendations for the best checking accounts at banks and credit unions.

The Future of Overdraft Fees

In recent years, rather than eliminate overdraft fees outright, some banks have introduced policies and safeguards that make it more difficult for customers to overdraft and/or a lot easier to waive the fees if they do.

For example, PNC now has a Low Cash Mode while online bank Chime offers fee-free overdraft with SpotMe, up to $200. Features like 24-hour grace periods are becoming the norm across the board.

But are these tactics enough, especially when other banks are doing away with these fees entirely? Now that Capital One has taken this leap, will other banks follow?

Caleb Red, founder of TheDollarBudget (and Capital One QuickSilver Cash Rewards credit card holder), said he thinks they will.

“To stay competitive and attract new customers, many big banks are likely to follow Capital One and drop overdraft fees,” he told The Penny Hoarder.

Brad Cummis, owner and principal agent at Insurance Geek, agreed “Other big banks are likely to follow Capital One’s example due to competitive pressure rather than social reasons. Customers are likely to transfer their accounts to banks that offer lower interest rates and no fees on transactions such as overdrafts.”

And it doesn’t hurt that the Consumer Financial Protection Bureau has vowed increased scrutiny for banks that depend on overdraft fees for revenue. The threat of government regulations may motivate other banks to drop overdraft fees or at least make it easier for customers to avoid them.

Timothy Moore covers bank accounts for The Penny Hoarder from his home base in Cincinnati. He has worked in editing and graphic design for a marketing agency, a global research firm and a major print publication. He covers a variety of other topics, including insurance, taxes, retirement and budgeting and has worked in the field since 2012.

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.

Do You Qualify for Any of December’s Class-Action Settlements?

Could you use some extra cash?

Several class action lawsuit settlements have claim deadlines before the end of the year. See if you qualify but act fast if you want to file a claim against TULA Life skin care because that deadline is Dec. 10. The rest are Dec. 13 through Dec. 31.

Best Buy Data Breach Class Action Settlement

Consumers who made purchases from Best Buy and were affected by a 2017 data breach may be entitled to compensation of up to $2,060.

The Class includes everyone who received a mailed or emailed notice about the 2017 Best Buy data incident. These Class Members either lost money, needed to replace financial cards, felt they had to pay for credit monitoring, or spent time dealing with the results of the attack.

The plaintiffs claim their private financial information was obtained by hackers during the data breach.

Class Members submitting documentation of unreimbursed bank fees, card re-issuance fees, overdraft fees, telephone charges, charges from banks or credit card companies, interest, credit report costs, or fraud resolution services costs will be eligible for up to $2,000 in compensation.

In addition, those who can provide documentation regarding time spent dealing with the data breach can claim up to $20 per hour for up to three hours of lost time.

File your claim by Dec. 22, 2021.

Ferrara Candy Class Action Settlement

Consumers in the U.S. can claim up to $8 without providing proof of purchase as part of a class action settlement resolving claims Ferrara Candy Co. underfilled its cardboard candy boxes.

The Class is made up of U.S. residents who purchased one or more cardboard boxes of Raisinets, Buncha Crunch, Butterfinger Bites, Toll House Semi-Sweet Chocolate Morsels, Rainbow Nerds, SweeTarts, Spree, Sno-Caps, Runts, or Gobstoppers between Feb. 9, 2013, and Sep. 23, 2021.

Plaintiffs claim Ferrara Candy and Nestle USA both intentionally underfilled their candy boxes in order to deceive consumers into thinking there was more product in the boxes than there actually was.

Eligible Class Members may receive $0.50 per unit for up to 16 units covered product, for a potential payment of $8.

Claims must be submitted by Dec. 27, 2021.

Two women apply face masks while drinking their morning coffee.

TULA Life Skincare Products $5M Class Action Settlement

Anyone who purchased TULA Life products may be able to claim part of a $5 million class action settlement.

The Class is made up of anyone in the United States, its territories, and districts who purchased TULA Life skincare products between Jan. 1, 2013, and Aug. 30, 2021.

Plaintiffs in a class action lawsuit alleged they had been led to falsely believe that certain TULA products advertised as containing probiotics contain live cultures.

Class Members who submit proof of purchase with their claim form will be eligible to receive a refund of the greater of 10 percent of the amounts they paid for the covered TULA products, or $4, up to a maximum of $25 per household.

Class Members who do not include proof of purchase with their claim will be eligible for a cash payment of $4.

The company also has agreed to certain labeling changes.

Claim forms must be submitted by Dec. 10, 2021.

Equifax Public Record Class Action Settlement

Certain consumers may be eligible to benefit from a class action settlement resolving claims Equifax provided inaccurate information about tax liens and civil judgments on credit reports.

Consumers who had Equifax credit reports issued to a third party and the report contained an inaccurate or incorrect tax lien or civil judgment between June 28, 2015, and May 14, 2019.

Nearly 20 class actions claimed Equifax violated the Fair Credit Reporting Act by reporting inaccurate public records information to third parties pulling consumers’ credit reports.

Claimants may be eligible to claim up to $1,500.

Claims forms are due by Dec. 31, 2021.

CalPERS LTC Policy $2.7B Class Action Settlement

California residents who purchased long-term care policies from the California Public Employees’ Retirement System — or CalPERS — may be eligible to benefit from a $2.7 billion settlement.

The Class is made up of citizens living in California in 2013 who purchased an LTC policy from CalPERS between 1995 and 2004 that included automatic inflation protection benefits, and who were subjected to the 85 percent increase in premiums announced by CalPERS in 2013.

According to a class action lawsuit, CalPERS improperly imposed an 85 percent premium increase.

Class Members will fall into one of several categories established under the terms of the settlement, and the amount of compensation they can expect will depend on which category they belong to.

Claims are due by Dec. 13, 2021.

Smitty’s/CAM2 303 Tractor Hydraulic Fluid Retailers $7.2M Class Action Settlement

Individuals who purchased certain types of Smitty’s and CAM2 303 tractor hydraulic fluid and may have experienced equipment damage may be eligible to claim some cash.

The Retailer Settlement Class is made up of any person or entity who purchased Super S Supertrac 303 Tractor Hydraulic Fluid, Super S 303 Tractor Hydraulic Fluid, Cam2 ProMax 303 Tractor Hydraulic Oil, and/or Cam2 303 Tractor Hydraulic Oil from Tractor Supply Co. — including Del’s Feed & Farm Supply locations — Orscheln Farm and Home LLC, Rural King, or Atwood stores between Dec. 1, 2013, to June 23, 2021.

Those who solely purchased Super S Super Trac 303 Tractor Hydraulic Fluid in Missouri are excluded.

A class action lawsuit alleged the retailers violated the law and claimed they knew or should have known the products were made with certain waste products that were not appropriate for use in the products and, as a result, did not meet current specifications.

Each Class Member will receive a payment based on the value of their general equipment damage claim and their repairs/parts/specific equipment damage claim.

File your claim by Dec. 29, 2021.

Pembina 1964/1980 Judgment $40M Class Action Settlement

If you are a beneficiary of the 1964 or 1980 Pembina Judgment fund, you may be eligible for compensation thanks to a $40 million settlement.

The Class is made up of anyone who is an original individual beneficiary of the 1964 and/or 1980 Pembina Judgment Fund, a legal representative of a Class Member, or an eligible heir to a deceased original individual beneficiary is automatically part of the Class.

The federal government was accused of failing to properly manage the Pembina funds, which were the result of two legal claims brought in the Indian Claims Commission that sought additional compensation for lands the Pembina Band of Chippewa Indians ceded to the United States.

Class Members can expect to receive between an estimated $50 and $1,440.

The claim deadline has been extended to Dec. 19, 2021.

A luxury house is photographed from the outside.

Freedom Mortgage Fees Class Action Settlement

U.S. consumers who received mortgages through Freedom Mortgage Corp. and paid property inspection fees may be eligible to receive a payment.

The Class is made up of U.S. citizens who held mortgages through Freedom Mortgage Corp. and paid fees on property inspections after defaulting or being delinquent on their mortgage payments between March 5, 2013, and Dec. 31, 2020.

Plaintiffs had alleged Freedom Mortgage improperly and unnecessarily charged borrowers fees on mortgage loans.

Class Members who submit a claim can receive a one-time payment equal to 35 percent of the amount of the first property inspection fee they paid to the company.

They will receive another payment of 50 percent of the amount of all inspection fees paid to Freedom Mortgage.

The claim deadline is Dec. 16, 2021.

Hyatt Employee Fingerprint Scan Class Action Settlement

Employees of certain Hyatt properties who scanned their finger to use the company time clocks may be able to claim a cash payment.

The Class is made up of current or former Hyatt employees who scanned their fingerprint using the company’s timekeeping system as a requirement for employment at the following locations during the respective time periods and who were not subject to a collective bargaining agreement:

  • Hyatt Lodge: Oct. 30, 2012, to Feb. 16, 2018
  • Regency McCormick Place: Oct. 30, 2012, to Dec. 12, 2018
  • Park Hyatt Chicago: Oct. 30, 2012, to Dec. 116, 2018
  • Hyatt Regency O’Hare: Oct. 30, 2012, to Dec. 31, 2017
  • Hyatt Regency Chicago: Oct. 30, 2012, to Dec. 3, 2018

Plaintiffs in a class action lawsuit claimed the company’s use of the fingerprint technology violated the Illinois Biometric Information Privacy Act (BIPA), which prohibits companies from capturing, obtaining, storing, transferring, or using biometric information for any purpose without providing certain written disclosures and obtaining prior written consent.

The exact amount of each Class Member’s payment is not known at this time.

The claim deadline is Dec. 24, 2021.

Partners Healthcare System Data Privacy $18.4M Class Action Settlement

If you received medical care in Massachusetts and visited certain informational websites, you may be able to take part in a $18.4 million Partners Healthcare System settlement.

Settlement Class Members include all Massachusetts residents and U.S. residents who received medical care at Partners Healthcare System — now Mass General Brigham — in Massachusetts who visited the following informational websites between May 23, 2016, and July 31, 2021:,,, and

According to the plaintiffs in a class action lawsuit, these websites — unbeknownst to users — implemented specific third-party analytics tools cookies and pixels that disclosed information about the consumer’s internet usage.

Class Members will be eligible for a payment of up to $100, depending on the number of valid claims filed.

File your claim by Dec. 15, 2021.

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.

12 Easy to Find Gifts Not Affected by Supply Chain Woes

If you’ve recently tried to buy anything electronic (including a new or used car), then you’ve probably noticed one thing — it’s next to impossible.

The current supply chain issues have been especially problematic for anyone attempting to buy products containing microchips, of which there happens to be a major shortage.

“This holiday season, the most popular electronics seem to be the most likely items impacted by the supply chain,” says Jeff Zhou, cofounder of Fig Loans. “This includes the new consoles, like the PS5, Xbox Series X and the Nintendo Switch OLED. Similarly, many graphics cards like the NVIDIA 3080 and 3090 are in short supply, sending prices and demand for these items skyrocketing.”

But electronics aren’t the only things missing from the market this year. A lot of foreign-made products are also experiencing issues.

“Generally speaking, apparel and goods made in the USA are experiencing fewer supply chain issues than ones made abroad,” says Zhou. “That’s because the biggest impact on the supply chain currently is the continued trouble moving items in and out of major ports. Products made stateside aren’t having these issues, which means you’re likely to get them faster.”

Easy to Find Gifts In Plentiful Supply

So although Santa used to pack tablets and smartphones under the tree with care — he and you both are going to have to get a little more creative this year.

Here’s a list of 12 headache-free gift ideas that you can buy now for the people on your list. We’ve given you some specific brands but there are other versions of these easy to find gifts in your local stores.

Matching PJs

Up your Christmas-morning game by shopping the collection of uber-soft flannel pajamas from Vermont Flannel Co. Opt for matching ones with the whole family, or just for you and your bestie. Besides PJs, Vermont Flannel Co. also has great-quality flannel shirts and this nifty DIY Quilt Kit.

Pendleton Blanket

Make the winter nights a little cozier for your favorite person by getting them one of these iconic throw blankets from Pendleton. American-made, these blankets are the perfect way to dress up an old couch, remake a bedroom, or even just curl up around the fire.

Green Toys

If you don’t want to worry about your kiddo’s gifts arriving on-time this year, then you might just want to shop the selection at Green Toys. Based in California, this company isn’t just busting out cool toys that are battery-free. They’re also on a mission to make a meaningful impact on the environment. So far, the company has recycled plastic from over 100 million milk jugs and counting.

Homemade Dog Toys

Don’t forget about your favorite pooch this season. Shop some of the cutest dog toys on the internet with this collection of US-based Etsy makers. From fake doggy spritzers to antler chews, this list has something for every four-legged cutie on your list.

Bananas and strawberries sit in a blender.

A Smart Blender

For the nutrition freak in your life, check out these smart blenders from Vitamix. Unlike many other appliance makers, Vitamix doesn’t seem to be experiencing supply chain issues (being American-made probably helps). So go ahead and put at least one “smart” thing under your tree this year, even if it’s just a really good blender.

The super blenders range from about $400 to $525 but you can cut hundreds from the bill with a $99 Ninja combo blender and food processor. If it’s a smoothie maker on their list, check out the $70 Ninja pro blender with powerful ice-crushing capabilities.

Pizza Oven

For the pizza-fiends in your life, give them the gift of “a reason to fire up the grill” with this pizza oven grill-insert from Kettle Pizza. Forget brick-oven pizza, this season’s pizza parties are being served hot off the ol’ grill.

Wine & Spirits

Lest you’ve forgotten how great it is to receive a bottle of your favorite wine or liquor, let us remind you. Fancy wine and spirits make some of the best gifts out there. Shop your local liquor store for a nice bottle to gift your favorite wine snob.

A bottle — or case — of wine might be the best present you’ll give this year. Check our list of the best red wines under $12.

Local Arts & Crafts

Support your local crafters, artists and jewelers this holiday season by shopping at the holiday markets and events happening near you. Check your newspaper and online community events pages to find a local fair and get something unique for everyone on your list.

Subscription Boxes

Looking for an easy present that lets your special someone try something new? Then you might just want to try giving them a subscription box. Some of our favorites include The Wordy Traveler, Brother Vellies, Ship Sunshine and Undiscovered Artisan.

Gift Cards

Boring? Maybe, but gift cards are still one of the best presents to give someone who already has everything. Give them a gift card to their favorite techy store (so they can finally place an order for that new phone when it’s back in stock) or just go classic with a gift card to their favorite restaurant.

Knick Knacks

If you’re not sure what to buy for someone on your list, take a minute to browse the selection at Uncommon Goods. If Target and World Market had a baby, it would probably be this store. But unlike some of those other big-box stores, these gifts are all made right here in the USA, and completely unaffected by the supply chain. A special Christmas tree ornament is always a nice gift.

Something to Read

Subscriptions to magazines (remember those?) can be had for as little as $10 a year. Topics range from cooking to automotive to fashion to travel and beyond. Smithsonian magazine is the official journal of the Smithsonian Institution in Washington, D.C., and 12 issues are just $12. The GIFT subscription comes with a Smithsonian membership. Look for a book idea on NPR’s top books of 2021. There are more than 360 categorized by topics.

Looking for even more holiday gift ideas? You might just check out your local dollar stores (seriously).

Contributor Larissa Runkle frequently writes on finance, real estate, and lifestyle topics for The Penny Hoarder.

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.

How to Find Out Your 2022 Social Security Increase Early

The Social Security Administration will start sending out 2022 cost-of-living adjustment (COLA) notices by mail throughout December. But if you want to see your new benefit amount sooner, you can check your notice online by logging into your MySocialSecurity account.

The information will be available starting in early December, according to the Social Security Administration. You can find your COLA notice in the message center.

If your COLA isn’t available online yet, you can get an update as soon as it’s posted by enabling account notifications. Simply log into your My Social Security account, then select email or text notifications under message center preferences.

Roughly 70 million Americans will see a 5.9% bump in their monthly Social Security benefits and Supplemental Security Income payments next year.

It’s the largest cost-of-living adjustment in nearly 40 years.

How to Create a My Social Security Account

If you don’t already have an account, you can create one anytime. However, only beneficiaries who created an account prior to Nov. 17 will receive their 2022 COLA notice online.

It’s a good idea to create an online account for other reasons, too — especially if you receive Social Security or SSI benefits.

With a MySocialSecurity account you can also:

  • Request a new Social Security card.
  • Set up or change direct deposit.
  • Get your Social Security tax form (SSA-1099).
  • Print a benefit verification letter.
  • Change your address.

To create an account, you’ll need to do the following:

  1. Verify your identity by entering personal information about yourself.
  2. Answer some security questions.
  3. Create a username and password.
  4. Confirm your email address or phone number by entering a one-time security code.

Whether you have an online account or not, you can expect to receive a paper notice in the mail in upcoming weeks.

How Much Money Will the Average Social Security Recipient Get in 2022?

The 2022 COLA increase is the biggest since 1982.

Here’s what that looks like for the average recipient:

  • Retired workers will get an extra $92 a month on average, bringing the average monthly benefit to $1,657.
  • Disabled workers will get an extra $76 a month on average, bringing the average monthly benefit to $1,358.
  • The maximum Supplemental Security Income benefit for individuals will increase by $47 a month, bringing the maximum monthly benefit to $841.
Have questions? We have answers about how Social Security works

Why Your 5.9% COLA Might Not Go Far

The Social Security COLA is tied to inflation.

The annual increase is meant to offset the rising cost of everyday essentials like food, housing and gas.

Yet Social Security COLAs have historically lagged behind inflation — including this year.

The Consumer Price Index, a government measure for the change in prices over time, hit 6.2% in October — so the 5.9% COLA already falls short.

Higher Medicare costs in 2022 will likely erode the new Social Security adjustment even further.

Most Medicare beneficiaries have their monthly Part B premium automatically deducted from their Social Security checks.

On Nov. 12, the Centers for Medicare & Medicaid Services announced that Part B premiums are increasing by $21.60 a month in 2022 — the biggest one-year increase in Medicare history.

Medicare beneficiaries are also facing higher Part A and Part B deductibles next year.

On a fixed income? Learn more about the 2022 Medicare premium increase — along with steps you can take to lower your health care costs. 

Rachel Christian is a Certified Educator in Personal Finance and a senior writer for The Penny Hoarder.

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.

How to Get Infrastructure Jobs Even Before Big Bill is a Reality

The U.S. government has pledged to spend $1 trillion to upgrade the infrastructure of the country, which will translate to 1 million jobs.

The Infrastructure Investment and Jobs Act aims to repair or replace roads and bridges, expand broadband coverage and improve transportation and water safety.

That is the promise of a lot of work.

The reality is that trucking, construction, warehousing, energy and transportation jobs are available NOW, and contractors are having trouble fill them. No college degree is needed. In some cases, workers need to acquire certification, which can be done at community colleges. In other cases, there is no certification or education needed, just a willingness to learn on the job and a few weeks to get trained.

For example, a full-time truck driver averages more than $70,000 a year and it takes just two weeks to get a license to drive a big rig.

Depending on the level of difficulty in performing the infrastructure job, you are likely to make at least $30,000 annually. In the cases of cross-country trucking, project management or engineering, you can earn six figures based on your experience.

Infrastructure Jobs Open Now

This article will look at jobs in trucking, construction, transportation and energy that pay well and do not require a college degree. They often do involve training and apprenticeship, but those are paid positions as well.

Let’s begin with the most storied of infrastructure jobs: being a truck driver.

A man stands in-between two trucks as the sun sets.

How to Be a Truck Driver

According to Business Insider, there is a shortage of 80,000 truck drivers in the United States, and that was before the Infrastructure and Jobs Act was passed.

Trucking jobs are not just cross-country assignments. There are trucks that are loaded and unloaded in local deliveries; those cross-country trucks do not stop at every warehouse along the way.

The average salary for a full-time trucker is over $73,000, according to Indeed. If the trucker owns his own truck (known as an owner-operator), the average annual salary approaches $300,000. Some trucking jobs are hourly instead of salaried, but hourly drivers are also paid extra depending on how many miles they drive.

Getting a Commercial Drivers’ License (CDL) takes about two weeks. Drivers can get training for delivery jobs often by driving for a couple of weeks with another trucker. You can be making money as a trucker in about one month.

You will need to go to a school to get a CDL license, because part of your training requires you to get behind the wheel of an 18-wheeler. The fee for a CDL license class varies between $3,000 and $10,000. Your state’s motor vehicles division website can lead you to classes in your state and the fees you can anticipate.

In addition, the Federal Motor Carrier Safety Administration has details on how to obtain a CDL license.

Your preferred job board is loaded with trucking jobs. Decide whether you want to be local or cross-country and hit the road!

Jobs in Warehousing

All of those trucks that deliver goods drop off their packages at warehouses, which then distribute the goods with other trucks delivering to other warehouses. Someone has to load and unload those trucks, and that could be you.

Amazon, FedEx, UPS — these companies need warehousing employees immediately. If there is a distribution center near you (and with Amazon, that’s likely the case), apply today.

Another idea for warehousing jobs is any company that delivers products, such as hardware stores and construction companies. All of their products and materials are housed in warehouses, and all of those warehouses need people to move those materials from trucks and onto trucks.

A material handler (that is what you would be called) can make up to $31,000 annually, and if you are full time, you have benefits available to you.

The other positive aspect of warehousing jobs is that there is available upper mobility. You can be lifting crates one day and could find yourself in line for an inventory control job or warehouse manager. According to ZipRecruiter, an inventory control manager can make up to $70,000 a year, and a warehouse manager can make $60,000 annually.

Not into heavy lifting? Warehouses also hire clerks, who process orders and keep track of incoming and outgoing materials and products.

We tallied nearly 1 million open jobs in anticipation of the 2021 holidays. However, many of the jobs are year-round, including warehouse positions with Amazon. 

Employment in Construction Field

There is going to be a lot of building being done, and there are thousands of construction jobs listed on job websites. There will be more as the government money gets handed out.

One of the big needs is for heavy-equipment operators, including people who can operate cranes, earth movers, bulldozers, dump trucks, and more.

There is the infrastructure work that will need to be done on buildings. This would include welders, pipe-fitters, plumbers and iron workers, among other titles.

A female welder poses for a portrait in her workshop.

You can find vocational training at community colleges and also private facilities. In general, community college programs will be less expensive.

Associated Training Services in Sun Prairie, Wisconsin, is one of hundreds of private schools across the country providing training and certification in heavy equipment operation.

ATS programs cost between $1,000 and $8,000 and they have housing facilities. How eager are they to train folks and get them into the field? Anyone who starts a program before Dec. 31, 2021, can apply for free housing.

Variety of Jobs

Construction jobs fall under three general categories; upper management, middle management and construction workers. Upper management jobs are concerned with planning and costs, middle management handles the day-to-day operations of a job, and construction workers handle the actual physical labor.

There are two types of construction workers: those who are trained or certified in one area of expertise, and those who perform general labor.

There are steps to take before you decide which type of construction job you want to apply for.

  • Choose a field. Construction includes working with building materials, but it also includes carpentry and plumbing. Pick one you think would be best. Even though you have no precise experience in construction work, you have likely fixed something in your home or apartment at some point.
  • Consider an apprenticeship. This is usually a paid position that includes hands-on training and will eventually lead to a certification, which can then turn your immediate need for a job into a career.
  • Create a construction-focused resume. Your previous resume may have been aimed at an office job, and you are ready to move into a construction job. Consider the skills you have that would be appropriate for a manual labor position, such as work ethic, physical strength, attention to detail, or willingness to work with others.
  • Focus your search terms. If you have no experience, “general laborer” will get you all of the possibilities that exist.  If you are looking for a specific type of construction job, be specific in your search term.

Like warehouses, construction companies need office employees as well. With all of the new work that is likely to come in, construction firms are going to need office workers who can help keep track of jobs, scheduling and materials. A search for “construction office” will get you a job that includes in-office work rather than on-site work.

People work on repairing a train track.

Jobs in Public Transportation

The role of transportation in the infrastructure bill relates almost entirely to public transportation. The intention is to invest in public transportation in terms of the safety, reliability and modernization of subways and busses, as well as a massive investment in passenger rail service.

While transportation services offer many entry-level jobs for recent college grads, they also offer jobs to those without a college degree. Often, these jobs involve repairing tracks (in the case of rail transport) or maintaining ports or stations.

The median salary for a signal track repairer is $70,000. These are “learn-on-the-job” positions. If your resume suggests that you are good with your hands, and enjoy outdoor work, you are a good candidate. More information about job prospects in the railway field.

Union Pacific railroad is looking for workers with a couple of years of welding experience to join its team of track laborers. It’s tough, sweaty work that pays $28 an hour plus benefits. UP has a handy graphic that shows the types of jobs that tracker laborers can move on to, including field manager and track inspector. UP’s openings page shows the breadth of jobs available.

Other Jobs in Transportation

Transportation services also require security and policing personnel. These are people who make sure travelers are civil toward each other, and look out for suspicious or dangerous situations in stations or at stops. These jobs do not require a college degree, and have a median annual wage of $74,000.

For a job seeker, you need to visit the websites of your local public transit companies and look under the “jobs’’ tab. Many of the jobs you will find will relate to topics above, such as drivers and construction. But public transit companies are also looking for transportation planning assistance, which can include mapping and scheduling

As indicated by the featured jobs on, public transportation companies are already in search for managers. In order for public transit to be safe and accessible, there is a great need for skilled managers, and the people who work for the management department. While these jobs may require a college degree, they are growth positions that may allow you to improve your employment situation faster than your current workplace.

Work in the Energy Field

One way the new infrastructure bill is unique to previous infrastructure expenditures is the amount of money that is going to be directed to energy conservation, transmission and safety.

There are initiatives aimed at clean drinking water and the infrastructure for handling waste water, renewable energy and clean energy resources, converting gas-operated systems into electrical systems, and the need for 21st century electric and electronic grid so that our electrical power is safe from terrorist efforts.

The push for “green’’ energy sources requires thousands of hands to install new equipment. Two areas expected to grow:

  • Solar installation. Whether you want to work on a solar farm on the outskirts of an urban area, or want to install solar panels on existing structures that want to convert from gas or electric power sources, you do not need a college degree to get a job in this field. The Bureau of Labor Statistics predicts a sharp increase in demand for solar photovoltaic installers over the next demand with salaries nearing $50,000 a year. Training is on the job.
  • Wind turbines. Wind turbines are installed in open areas where wind flows freely, but urban areas are able to acquire power from those turbines sitting on the outskirts of town. Turbine installer jobs do not require college degrees, either. The BLS predicts a 68% increase in wind turbine service technician jobs over the next 10 years. The median income in 2020 was $56,260.

Ziprecruiter estimates the average energy infrastructure job pays $122,000 annually, which you can work your way up to with some experience. The most popular energy infrastructure job listings on Ziprecruiter include management, technology, project handling, and engineering. If you have a background in any of those areas, a job search for “energy infrastructure” can lead you to a desired position.

But until then, know that there are lots of jobs available now. And it only takes a matter of weeks to get your truck driver’s license.

Kent McDill is a veteran journalist who has specialized in personal finance topics since 2013. He is a contributor to The Penny Hoarder.

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.

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