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Crazy for Clipping: The Downside of Extreme Couponing

Coupons make us fat! That’s not as outrageous a statement as it sounds. Food coupons are always for products that are processed in some way. The more processed and higher the sugar, fat and calorie content, the bigger the discount. The bigger the discount, the more we buy. The more we buy, the more we eat and the bigger we get.

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What Is Coupon Rate and How Do You Calculate It

Coupons can save you money on double stuffed Oreo cookies. They can make skee-ball seem like a good use of time. And they can help you save for retirement or college tuition. A bond with semi-annual to annual coupon payments can provide a steady stream of …

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How to Save When Hitting the Online Shopping Center

Coupons can save you plenty of money at traditional brick-and-mortar stores. They can do the same when you’re shopping online. They can do the same when you’re shopping online. There are some great sites which give you access to coupon codes for …

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Are Your Money-Saving Habits Costing You Big

For instance, you may qualify for free shipping if you spend $50 a more or get a 15% off on purchases over a certain dollar amount. Taking advantage of these offers is a great way to save money but only if you were planning on spending that much in the first place.

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How to Save Money on Groceries

There are plenty of apps out there that’ll let you create and organize grocery lists, find coupons and/or compare prices. Final Word. While food is a basic necessity, spending too much on groceries could leave you with less money to put toward other things, like paying off

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6 Ways You're Costing Yourself Money Over the Holidays

Once you’ve made your holiday shopping list, you can comparison shop until you find the items you need at the lowest prices. Scouting out promo codes or coupons can save you some money. If you have a rewards credit card, you can also find out whether you can earn rewards for holiday purchases. 3. You Wait Until the Last Minute to Book Holiday

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Best Retirement Calculator (2021)

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Types of Bonds

Instead, it pays off when it matures. The money a buyer receives is equal to the principal invested, plus the interest that has been compounding semiannually since the purchase date. Zero coupon bonds sell at a discounted rate, but are only for the patient. Convertible Bonds

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Savings Calculator

How We Got This Answer. Our savings tool calculates the growth in your savings. Using your starting savings balance, APY, as well as any additional contributions, we break down what your savings will look like in each year leading up to your final savings balance at some time in the future. We then compare your total interest earnings given

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8 Online Shopping Sites With Free Shipping SmartAsset

However, flower delivery gets expensive very quickly. Aside from seasonal deals (which are usually good for 30% off), a quick Google search for Proflowers coupon codes before ordering flowers for your special someone will yield discounts or a free shipping offer.

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Slash Your Grocery Bill Using These 6 Apps SmartAsset

According to the company’s website, sales and coupons are selected from more than 65,000 national grocery and drugstore chains, saving users as much as 70% on purchases. 2. Shopper. The Shopper app lets you keep up with weekly deals from your favorite retailers and collect coupons for your preferred brands. Users can create multiple shopping

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13 Ways to Make (or Save) Money on a Rainy Day

Paying off credit cards and other kinds of debt can take months or even years. If you’re struggling to dump your debt, it might be a good idea to come up with some strategies that might speed up the debt repayment process – strategies like debt consolidation. 13. DIY

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How to Retire in Panama

Retiring in Panama: Housing. One of the most important decisions you’ll make when you retire in Panama is where you will live. Housing costs are among the biggest expenses for anyone, so you’ll want to know how much you are likely to be spending before you head for Central America.

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Cash or Credit

Using coupons and sales to get you the best deal will help you stay in your budget without sacrificing what you really want to buy them. When Should You Use Plastic? If you are responsible credit card user and pay your balances off before you get charged interest, then there can be many reasons to use plastic this Christmas.

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5 Tips to Eat More, Pay Less SmartAsset

Of course you will first cross off any ingredients that are already in your inventory. The second way to make a menu is looking at the sales flyer for your favorite supermarket and building a menu based on what’s on sale and what you have coupons for.

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10 Practical Ways to Save Money on College Expenses

9. Use coupons. There are money-saving coupons available for almost everything you could ever need. With a little searching you can find everything from free shipping to 50% off certain items. Check sites like CouponPal and RetailMeNot before you plunk money down for ANYTHING online. You can even find grocery coupons online that you can use at

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Ways to Save More When You're Having a Baby SmartAsset

You may even be able to get coupons that can help you continue to save as baby gets older. Shop Smarter. One of the biggest pitfalls to avoid when you’re expecting is the impulse to go out and buy brand-new everything. It’s easy to go overboard on baby gear if you’re buying based on wants rather than what your newborn will actually need

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How Being Lazy Costs You Money

The cost can be even higher if you’re not prepared at tax time. If you don’t have receipts or other paperwork to back up your deductions, you’ll miss out on the chance to write off those costs. Even losing one deduction can have a big impact on what you end up paying the IRS. 5. You Settle for Less on Your Savings

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The Top 10 Money Saving Blogs SmartAsset

Anna Newell Jones is the writer of AndthenweSaved, a blog guided by a debt-free life pledge. Jones paid off her $24,000 in debt in only 15 months using a “Spending Fast,” a term she’s coined to cut out extra spending through committing to 1 year of spending only on necessities. Think utilities, rent, groceries… and that’s it.

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Pennsylvania Income Tax Calculator

Fuel Tax $271. Property Tax $4,336. Total Estimated Tax Burden $18,072. Percent of income to taxes = 32%. $18,072. Created with Highcharts 6.0.7. About This Answer. Our income tax calculator calculates your federal, state and local taxes based on several key inputs: your household income, location, filing status and number of personal exemptions.

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An Investor's Guide to Short Term Bond Funds

Bond duration is a double-edged sword. Companies that issue bonds repay their debts over 10, 20 or even 30 years. For investors bond coupons generate limited but steady returns for years. They also lock up money. Short term bond funds solve that problem by maturing in less than a year.

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Top 4 Ways to Avoid Blowing Your Staycation Budget

Sometimes you just need to get away. But taking a break from your daily routine doesn’t always come cheap. According to a recent report, the average summer vacation cost $1,005 per person in 2015.Taking a staycation can help you save, as long as you budget carefully.If you’re planning to spend your summer at home, check out some ways to avoid overspending.

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How Do Zero Coupon Bonds Work

A zero coupon bond doesn’t pay interest, but it could pay off for your portfolio. Choosing between the many different types of bonds may require a plan for your broader investments. A zero coupon bond often requires less money up front than other bonds. Yet zero coupon bonds still carry some of risk and can still be influenced by interest rates.

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Bond Index Funds: The Pros and Cons

Bond Index Funds: A Breakdown. A bond index fund is a diversified portfolio of bonds that are chosen to align with the performance of a specific bond index. The Barclays Aggregate U.S. Bond Index is commonly used, as it covers most U.S.-traded bonds and some foreign bonds.

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A Guide to Investing in Floating Rate Notes

Eric Reed Eric Reed is a freelance journalist who specializes in economics, policy and global issues, with substantial coverage of finance and personal finance. He has contributed to outlets including The Street, CNBC, Glassdoor and Consumer Reports. Eric’s work focuses on the human impact of abstract issues, emphasizing analytical journalism that helps readers more fully understand their

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Alabama Income Tax Calculator

Alabama State Tax Quick Facts. State income tax: 2% - 5%. Local income tax: 0% - 2%. Sales tax: 5% - 11.50%. Property tax: 0.40% average effective rate. Gas tax: 24 cents per gallon of regular gasoline, 25 cents per gallon of diesel. Taxes in the Yellowhammer State are …

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Four People Who Single-handedly Caused Economic Crises

Ponzi realized that the reply coupons, which were redeemed to pay the cost of international postage, could be bought cheaply in Italy given post-World War I inflation and then resold stateside. Ponzi made the audacious claim that he could double an investment in 90 days, and thus the first-ever Ponzi scheme was born.

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Best Things to Buy in the Spring SmartAsset

If you’re a fan of TV dinners or frozen vegetables you’ll want to mark National Frozen Food month on your calendar. Throughout the month of March, you should be able to find plenty of sales on frozen foods and coupons for your favorite brands. It’s best to make sure that you’re storing the items you buy properly so they don’t go to waste.

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Lump Sum vs. Annuity: Which Should You Take

The trade-off ends up being between security and maximizing your winnings. Bottom Line. If you’re receiving a large sum of money from your pension plan or lottery winnings, it’s important to analyze both payout options before choosing the lump sum or annuity. While an annuity may offer more financial security over a longer period of time

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Credit Cards SmartAsset.com

Nov 12, 2017 Consumers across the country are burdened by credit card debt. A recent report from ValuePenguin found that 38% of U.S. households have credit card debt that they need to pay off. Among households who carry a balance from month to …

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Pennsylvania Inheritance Laws What You Should Know

The rates for the inheritance tax range from 4.5% to 15%, depending on the exact situation. What you’ll have to pay and when is listed below: Pennsylvania Inheritance Tax. Tax Rate. Applies to. 0%. – Inheritances to a spouse. – Inheritances to a parent from a child 21 or under. 4.5%.

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20 Ways to Kick-Start Frugality SmartAsset

Related Article: 8 Things You’re Better Off Buying Secondhand. Become the king or queen of coupons. Couponing used to be something most of our parents obsessively did. My mom used to bring at Rolodex of coupons to wherever we went. Groceries? Coupon. Clothes? Two coupons. The lady was stocked.

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What Are Treasury Yields and Why Do They Matter

Treasuries are backed by the U.S. government and considered low-risk. Investors loan the government money, and the government pays them interest payments known as coupons to compensate them. If the Federal Reserve decides to raise key interest rates, treasury yields may increase. Even an expected rate hike can boost treasury yields.

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Savings Account Rates High-Yield Savings SmartAsset.com

As a trade-off for their safety and reliability, though, savings accounts generally offer low rates of return. You're not going to get rich off of the interest rate you get. You might not even beat inflation. But that's why you're only keeping 3-6 months of expenses in the account, not your entire savings. A rainy day fund is a complement to

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The Best Time to Buy Furniture

Whether you just bought a house or you’re trying to renovate an old one, furniture shopping can be intense. And depending on what you’re looking for, it can also be expensive. If you’re on a budget, your best bet is to begin looking for a new couch or dresser when it’s on sale.If you’re not sure when to start shopping, we’ll tell you the best time to buy furniture.

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My Kohl’s Charge Card Review SmartAsset.com

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Investing SmartAsset.com

Mar 17, 2021 Cash App rose to popularity as a competitor to Venmo, Zelle and other free money transfer services. The service is owned by Square and as its user base has grown, it also decided to take a dive into the brokerage market. Cash App now offers users the ability to buy, sell and trade stocks through Cash App Investing. As brokerages go, this service is relatively basic in terms of its

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Top 5 Coffee Brands

They keep their customers happy with frequent coupons, which can be found on their website. 2. Chock Full O’ Nuts. Apparently, this brand is living up to it’s “heavenly” jingle, because it comes very highly rated- scoring a 4.6 out of 5 on Amazon Reviews. It typically costs between $5.19 and $5.79 for a 10.5 ounce can, depending on

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Rebecca Lake

Rebecca Lake is a retirement, investing and estate planning expert who has been writing about personal finance for a decade. Her expertise in the finance niche also extends to home buying, credit cards, banking and small business. She's worked directly with several major financial and insurance brands, including Citibank, Discover and AIG and her writing has appeared online at U.S. …

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Personal Finance SmartAsset.com

Retirement may be eons away, but don’t let that tempt you into cashing out your savings. If you do, you’ll face an income-tax hit plus a 10% early withdrawal penalty (unless you’re 55 or older). Say you’ve got $25,000 saved. The penalty, plus federal and state income taxes, could easily add up to …

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The Best and Worst Things to Buy in May SmartAsset

With rising temperatures comes the thrill of the backyard barbecue. However, May is not a great time to make a purchase of an outdoor grill. Avoid the temptation to purchase now and hold off until June, when prices will be best. 5. Pool. Along the same lines, May is not the time to make a purchase of a pool, hot tub or other outdoor water feature.

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The Best and Worst Things to Buy in July

Buying a laptop in July will allow you to take advantage of 4th of July holiday sales, back to school sales, and discounts on last winter’s crop. Along with the furniture and home items, you can set up your off-to-college loved one with a new laptop, or set yourself up with a machine that doesn’t crash as much as your current model does.

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When Bargain Hunting Is a Bad Move

Personally, I believe clipping coupons to save money is not jumping through a hoop, but there are some who believe that exercising three fingers in order to operate a pair of scissors is an ordeal. Wherever your personal line in the sand is, don’t let merchants lure you across it in search of savings. Photo credit: flickr

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SmartAsset's Q & A with Jason Steele SmartAsset

You then pay off your credit card bill, but you earn miles and points at very little cost. These liquid-able items are typically reload packs for prepaid debit cards. It’s a cat and mouse game, as the companies involved eventually close the loopholes and hobbyists are forced to find new ones.

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How to Cook a Wallet-Friendly Thanksgiving Dinner

Make a list of the items you need based off of the recipes you’ve set for Thanksgiving. Then, check your local grocery store flyers to find the best deals on the items you need. Sometimes, being loyal to one store during the holidays can pay off. You might find a grocery store in your neighborhood that offers rewards towards a free turkey or ham.

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What Credit Cards Does Costco Accept

How Can You Pay at Costco? As of 2020, Visa is the only credit card that Costco accepts. If you don’t have a Visa, you can pay with cash, checks, debit cards/ATM, Electronic Benefit Transfer (EBT) or Costco Cash Cards. Costco’s change to Visa came as a surprise to many, since the retailer had a deal to accept only American Express cards since 1999.

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Eric Reed

Eric Reed is a freelance journalist who specializes in economics, policy and global issues, with substantial coverage of finance and personal finance. He has contributed to outlets including The Street, CNBC, Glassdoor and Consumer Reports. Eric’s work focuses on the human impact of abstract issues, emphasizing analytical journalism that helps readers more fully understand their world and

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