Tag Archives: Best

The Best 5 Credit Cards for Groceries

Last year my Chase credit card, with which I had earned 5% back on groceries and gas since 2007, suddenly changed. They switched to some sort of rotating-category-that-earns-more-points system that I didn’t particularly care for. Every few months, I have to opt in all over again to take advantage of whatever category they’re giving the most points for that month. Even though I do my best to keep up with credit card rewards, I don’t take credit card reward hacking to the extreme. I’d prefer not to have to carry around 10 cards in my wallet.

Nevertheless, I do prefer to get the most points in categories that I actually spend a lot of money on. After our mortgage, the highest percentage of our monthly expenses comes in the form of groceries. We prefer organic and local food, which can be pricey. So, I set out to determine which credit cards actually give the highest percentage back on groceries. (See also: Best Credit Cards for Travel)

Blue Cash Preferred From American Express

  • Amex Blue Cash Preferred
  • 6% back at supermarkets
  • 3% back on gas and department stores
  • 1% back on everything else
  • $ 75 annual fee

Note that the $ 75 fee for the Blue Cash Preferred card becomes worthwhile if you spend over $ 208/month on groceries. If you spent about $ 104/month, you’d recoup your costs — but you would have been better off with a no-fee 3% rewards card. Spending $ 208/month on groceries, you’d earn about $ 150 per year in rewards, so you’d have earned $ 75 above your initial investment. At $ 208/month with a 3% card, you would just break even on your annual fee, so anywhere above $ 208/month it becomes worth it to pay the fee. This doesn’t take into account the additional gas cash back or anything else.

Click here to apply

RedCard From Target

  • Target
  • 5% off everything at Target
  • $ 0 annual fee

If you shop at a SuperTarget for groceries, the Target RedCard gives you 5% off at everything you purchase at the register. This isn’t just a grocery rewards credit card; the cardholder will receive the same discount on all Target purchases. If you have a Target nearby that also sells groceries, this is a great way to save 5% on food, as well as a variety of other department store purchases. Unfortunately, this card has no affiliation with any credit card payment network such as Visa or MasterCard, so you can’t use it outside of Target stores.

Click here to apply

Blue Cash Everyday From American Express

  • Amex Blue Cash
  • 3% back at supermarkets
  • 2% back on gas and department stores
  • 1% back on everything else
  • $ 0 annual fee

The Blue Cash Everyday card is largely the same as the Blue Cash Preferred, but it has no annual fee and half the rewards across the board. Nevertheless, 3% cash back on groceries and 2% cash back at gas stations and department stores still represents a competitive rate of return. Finally, this is one of the few American Express cards offered without an annual fee.

Click here to apply

Cash Rewards Visa Signature Card From Bank of America

  • Bank of America
  • 3% on gas
  • 2% on groceries
  • 1% on everything else
  • $ 0 annual fee

With the exception of the extra cash back at department stores, the Cash Rewards Visa Signature card has a similar reward structure to the Blue Cash Everyday card from American Express. Cardholders can receive their cash-back rewards as a direct deposit in any checking or savings account, as a statement credit, or even as a payment towards a mortgage held by Bank of America. In fact, rewards redeemed into a Bank of America checking and savings accounts receive an additional 10% bonus. Unfortunately, the bonus percentages only apply to customer’s first $ 1,500 spent in each category each quarter.

Click here to apply

Capital One Cash Rewards MasterCard

  • Capital One
  • 2% on groceries and gas
  • 1% on everything else
  • $ 39 annual fee

This Capital One Cash Rewards offering brings up the rear of this list by offering only 2% cash back on gas and groceries, but don’t count it out. This card is offered to applicants with average credit, so it could be the ideal product for those who don’t qualify for other cards. Capital One also wins kudos for not charging foreign transaction fees on any of their cards. If you travel internationally, or just like to drive over the border for shopping, this card will save you some money over the other cards here.

Click here to apply

The Best Credit Card Offer for You

If you like credit card rewards programs, but have recently been unhappy with changes to your card, it may be time to consider a new one. The best way to choose a cash-back rewards card is to simply look at what your biggest category of spending is each month, and find a card that gives you the most cash back on that category. For me, this category was groceries.

What’s your biggest category of spending each month? Do you earn extra credit card points for those cards?

Note: Some links contain affiliate codes.


Wise Bread

The Best and Worst Things to Buy in December

December is a month when you almost can’t avoid shopping. You may have skipped Black Friday — overwhelmed by the offers, hype, and crowds — but the holiday season is a different beast altogether, with gifts from loved ones, friends, and people you barely know coming at you from all angles. Keep your holiday cheer level high by shopping wisely. (See also: Shopping Calendar: The Best Time to Buy Anything)

We’ve pored over the extensive dealnews archives of sales, coupons, and individual products from years past to guide you in your quest for the most savvy purchases in December. Here’s what we found.

Buy a Bike, Use it Later?

For many of our northernmost readers, bike riding in the winter is implausible, but you should consider purchasing a bike this month all the same. While other months might have seen greater volume of bicycle deals, we saw the most Editors’ Choice-level bargains during the month of December last year from vendors like REI, Walmart, and Performance Bike. Otherwise, the next time we saw a substantial number of deals and sales came in May.

Get Good Deals on Toys…by Still Waiting

Finally, it’s the best time to buy holiday toys! Almost. As we’ve mentioned before, many toys will hit their lowest price points of the season as we get closer we get to Christmas. Last year, many of the tops toys of the season hit their lowest points in the week before Christmas. That said, during the week before that, we saw a staggering number of Editors’ Choice toy deals on the whole; in fact, it was the best week of the month for top-shelf discounts on toys. Shop during this period, and you’ll improve your chances of getting the best deals.

Stock Up on Kitchen Items for More Holiday Cooking

Although we noted in our last buying guide that November is the best month to buy cookware, the sales and discounts last year largely carried over into December. Even though the overall volume of deals was down slightly, December actually slightly edged out November with the number of Editors’ Choice-level offers. Look for top offers from Macy’s, Kohl’s, Amazon, FoodSaver, Williams Sonoma, and JCPenney, on items such as cutlery sets, bakeware, and small appliances.

Tools and Hardware Deals for Dad?

Last year, both November and December were excellent months to buy tools and hardware items, matched only by the month of July for Editors’ Choice offers. November this year however proved to be significantly less thrilling in this department, with about 50% fewer top-shelf deals. We’re hoping though that December will deliver like it did last year, with significant discounts on wrench and screwdriver sets, drills, lawn-care tools, and more.

It’s a Great Time to Buy Christmas Decorations! (After Christmas, That Is)

At this point, it’s common knowledge that holiday decorations see their greatest discounts after the holiday in question has passed, and this is no different for Christmas. If you wait until December 26, you’ll see discounts of 50% to 70% off from stores like West Elm, Home Depot, Sears, Crate & Barrel, and Macy’s. If you absolutely must buy a fake Christmas tree before the 25th, look to Walmart and Kohl’s for extremely inexpensive options.

Blu-ray Movies Make Budget-Friendly Gifts

As we noted last month, November — and specifically around Black Friday — is a great time to get inexpensive Blu-ray disc movies, but this good fortune extends into December. While we saw a slight drop-off in top-shelf deals last year (there were about 20% fewer Editors’ Choice offers in December than there were in November), the cumulative discounts were still much better than any other month throughout the rest of the year. That means movies and TV shows may be an ideal gift for everyone on your holiday shopping list.

Put Off Buying a Wall Calendar

You may see some modest discounts this month and early in 2012 that will entice you to purchase a calendar, but the first significant sales we’ll see on these items come at the end of January and beginning of February. (You can of course see even bigger discounts the longer you put it off, but you actually want to use the calendar, right?)

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Wait to Buy Jewelry

Sorry, boyfriends and husbands of the world. As our Media Editor put it during last week’s podcast, “Big Jewelry” has you in a corner this month. Jewelry just doesn’t see its best discounts of the year before Christmas, so if you haven’t already purchased a piece in advance, you might not be getting a great deal. You could always try to get around this by using a broad department store or apparel coupon for a nominal discount, but many stores, including Macy’s, frequently excludes jewelry from these offers.

Like Jewelry, Bad Timing to Buy Watches

Just like jewelry, watches don’t see their best discounts of the year during the holiday season, likely because so many shoppers feel more compelled to buy them in December. But unlike jewelry, there’s a small trend toward decent deals for watches before the clock strikes Christmas. During the first and second weeks, we saw a handful of Editors’ Choice offers that featured significant price cuts. Be sure to keep an eye on the deal-a-day sites that specialize in watches, like ChronoShark and World of Watches.

Time to Look Into Top-Brand HDTVs

Black Friday is over, so it’s time to forget about TVs, right? Wrong. We saw some rock-bottom prices on numerous sets during the post-Thanksgiving shopping holiday, but many of the best prices were from off-brand manufacturers. And though we saw some choice name-brand deals last week too, they were generally more than their off-brand counterparts in the same size-category. But according to a recent feature, top-brand sets will approach prices that are comparable to Black Friday during the mid-December to February time period. It may be a good time to set an email alert for your favorite manufacturer and screen size, so you can catch those prices when they hit the site.

Opt for Desktop Replacements Over Other Notebooks

Despite its proximity to Black Friday, December has never been an ideal month for buying a laptop. In fact, dealnews data shows that for the past three years, laptop prices for a 15″ to 16″ dual-core system have gone up an average of 7% from November to December. That’s not to say all hope is lost. If your Christmas list still includes a laptop you might want to check out deals on desktop replacements (systems measuring 17″ or more) as prices on those systems dropped 40% (from November’s lowest price) in December of last year. And with the influx of laptop deals we saw this past Black Friday, we wouldn’t be surprised if a few solid deals trickle into December. Just don’t expect them to be the year’s best.

This post is by Dealnews.


Wise Bread

5 Best Cash Back Credit Cards

Many people prefer cash back rewards to other credit card perks such as frequent flyer miles. Cash has the advantage of being readily liquefiable and universally accepted. Unlike points and miles, cash back rewards earn interest when unused and is not subject to the constantly changing terms and conditions of corporate loyalty programs.

Furthermore, cash back rewards are considered to be a discount on a purchase, not income that needs to be declared for tax purposes.

My family is a perfect example of how you can use credit cards to receive cash back. Using our cards for day to day purchases, we may spend as much as $ 2,500 with them each month. When we are not looking for travel rewards, we use a card that returns 2% on all purchases in order to earn an additional $ 50 a month in cash back. That equals a return of $ 600 each year that we can add to our discretionary spending or apply to our savings.

Just one word of caution — cash back credit cards should only be used by people who have always paid their credit card balances in full and on time. To do otherwise virtually ensures that you will owe more in interest and penalties than you will ever receive as cash back.

Once you have decided to earn credit card rewards in the form of cash back, you should definitely consider one of these top five cash back rewards cards.

The Current Top Five Credit Cards Featuring Cash Back Rewards

In my research, these are the best cash-back cards currently available.

AARP Card From Chase

AARP ChaseAARP recently jumped into this market with a co-branded card from Chase. In order to make a splash, they are offering an incredible 5% cash back on all purchases for an introductory period of six months. Even for a family of modest means that uses its card for everyday expenses, this offer can translate into hundreds of dollars in cash back. For business traveler with who can charge thousands of dollars in expenses each a week, this card offers an even greater windfall of additional, tax-free compensation. After the introductory period, this card still returns a respectable 3% cash back on travel expenses and 1% on everything else. There is no annual fee for this card, but you will need to join AARP for $ 16 a year. Fortunately, associate membership is open to people of all ages.

Click here to apply now

Fidelity Investments Rewards American Express

Fidelity AmexOutside of a promotional offer, the highest cash back rate available on all purchases is 2%. Fidelity Investments’ Fidelity Rewards American Express Card offers unlimited cash back at that rate with no annual fee. Your card must be connected to one of their cash management or brokerage accounts, but there is no other catch. You can also use this card as a savings instrument by directing the funds to a Fidelity IRA. Finally, they even offer a version that funds a 529 college savings account.

Click here to apply now

Capital One Spark Cash Business

Capital OneLike the Fidelity card, Capital One also offers a 2% cash back rate, but in a Visa that is more widely accepted than Fidelity’s American Express. This is a business card, which is a great product for people who do some work on the side and want to separate out their expenses. Nevertheless, anyone can apply for this card as a sole proprietor and use it just like other credit cards. There is a $ 59 annual fee, but it is waived the first year. Another nice benefit is that cardholders will not be charged any foreign transaction fees, which normally run 3% on most other cards.

Click here to apply now

Amex Blue Cash Preferred

Amex Blue CashThis card offers an outstanding 6% cash back on all purchases from grocery stores. It did not take many credit card holders long to figure out that they could better reap this benefit by purchasing other merchants’ gift cards at the supermarket. Even outside the grocery store, this card still returns 3% on purchases from gasoline stations and department stores, as well as a decent 1% on all other transactions. There is a $ 75 annual fee for this card, which is what users will earn when they charge just $ 1,250 at their grocery store.

Click here to apply now

Chase Freedom

Chase FreedomThe Chase Freedom card is an underdog that makes the list due to its generous sign up bonus of $ 200 in cash when you spend $ 500 in the first three months after opening an account. Think of it as a 40% cash back rate of return! Card holders are also eligible to receive 5% cash back on their first $ 1,500 of spending on different categories of merchants that change every quarter. All other purchases return a standard 1% cash back.

With its significant cash sign-up bonus, but less-competitive standard rate, this card is best to maximize rewards for those who only charge a few hundred dollars a month to their cards, or customers who will only use it for purchases in the bonus categories that return 5%. There is no annual fee for this card.

Click here to apply now

Within the credit card industry, the term “deadbeat” is used as slang to describe customers who always pay their balances in full and on time. These customers don’t provide the banks with any profits from interest payments or late fees, but they are still valued customers due to the merchant fees their spending generates and their impeccable payment history. If you are a proud member of this group, and you have no interest in travel rewards, you should be using one of these cards that offer the maximum cash back for your spending.

Back to the Credit Card Guide


Wise Bread

The 25 Best Things to Buy on Craigslist

Craigslist continues to be one of the go-to places for people to buy and sell used (and sometimes brand-new) goods. Not only is it simple and free to use (thanks, Craigslist, for staying true to your word) but it also has a vast reach, with sites across the United States and the rest of the world. (See also: Get a Deal Every Time You Shop With These Tools)

There are plenty of articles out there about what to avoid on Craigslist. (The big ones are used infant seats, cell phones, and high-end electronic goods.) But there aren’t nearly as many articles about what you should go to Craigslist for. Well, here (in no particular order) are the 25 best things to buy off Craigslist. You may agree, disagree, or want to add to the list. By all means, use the comments box as a way to inform our other Wise Bread readers.

1. Exercise Equipment

Why? Quite simply — human nature. Every year people make New Year’s resolutions to lose weight, get fit, and stay in shape. And for a while, they make good on those resolutions, going out and buying some shiny new equipment to make it happen. However, most people soon realize that the infomercials and ads made this “easy-peasy workout” look a lot easier that it actually is. It takes effort. And soon the exercise bikes, elliptical trainers, and treadmills are gathering dust in the basement. When the time comes to sell the equipment, you can usually snap up an almost brand new piece of machinery for less than half the price. Sometimes they’ll be almost giving it away to get it out of the house, because no one likes a reminder of a failed resolution.

2. Bed Frames

Not mattresses. Yikes. But the bed frame itself, that’s a different story. You can pick up some terrific deals on bed frames, including four-poster beds, and all you have to do is arrange for pick up if you don’t have a truck large enough to do the job. Craigslist actually has a section called “services” where you can quickly find people to help you move large items for a nominal fee. Some people make good extra money doing it.

3. Furniture

We just bought a new house, and it’s twice the size of our old home. Ironically, with the market being the way it is, it cost almost the same price. But it has left us with some large, empty rooms that need to be filled. We’re going straight to Craigslist for furniture, especially for some classic mid-century modern pieces. They are much cheaper than store-bought pieces, have more character, and were built to last the test of time.

4. DVDs and CDs

People buy DVDs and CDs. They watch them, listen to them, and get bored with them. Or they copy them to their iPods, computers, or other media devices, and then they sit and watch the original gather dust. So they sell them, and that’s where you can come in and pick up some great bargains. I’ve found recent movies and albums for sale on Craigslist for just a few bucks.

5. Video Games

Even more copious than movies and albums are video games. The reason is one of usefulness. Unlike DVDs and CDs, once a game has been completed, there is very little point in doing it all over again. So you will see tons of titles on Craigslist that are way cheaper than buying new. And once you’ve bought and played the title, you can resell it or trade it in for a discount on a game (used is always cheaper and just as good…if you can wait).

Typewriter

6. Collectibles

Typewriters. Old cameras. Action figures. Clocks. Teapots. You name it — there is something to add your collection on Craigslist. Finding them isn’t always easy, as sometimes people put them in rather confusing sections or don’t know exactly how to list them. But put in the time, and you’ll find your items way cheaper than on eBay. Plus there’s no wait for shipping.

7. Tools

Have you noticed how expensive good tools are? Sure, you can buy the cheap and cheerful tools at Walmart and Target, but if you want good, solid, reliable tools that last decades, you need to pay. Craigslist is a great option for these kinds of tools, and you’ll get them way cheaper.

8. Books

Personally, I love the library for books. But sometimes it’s not an option, especially if you want to highlight sections and write notes in the margin. Or if you want books for the kids that you don’t have to worry about them destroying. There is a whole category on Craigslist devoted to books, and the prices are rock-bottom as always.

9. Toys

Kids have this habit of wanting toys, playing with them for 20 minutes, and then throwing them in the corner. If they’re not forgotten about, they played with so much and so hard that they’re destroyed. So why pay full price? You can pick up some of the latest toys on Craigslist for pennies, and you won’t have to contend with that annoying packaging that would challenge the patience of a saint.

10. Bicycles

You have to be careful on this one, but if you know what you want and what to look for, you can scoop up some major bargains. Kids bikes are a great option here, as are cruiser bikes. Just be wary of bikes that look too good to be true; they may have been rode hard and repaired often, or they could be stolen.

11. Framed Art

I was in Target yesterday and saw some nice art, albeit mass-produced, and it was $ 100. I saw the same piece on Craigslist for $ 20. Chances are you won’t be as lucky finding the exact piece you want, but if you just want to browse and pick up something decorative for a few bucks, you’ll do well. You may even find original art for a bargain, or a long lost masterpiece!

12. Office Supplies

I’m not just talking about pens and pencils here, but chairs, cubicles, shredders, printers, whiteboards, and so much more. Sadly, the poor economy means that a lot of businesses have gone into liquidation, and when that happens, the supplies have to be sold off for pennies on the dollar. I bought a white board for $ 20 that retails for over $ 180.

13. Refrigerators and Other Appliances

When we decided to rent out our old home, we didn’t want to leave the stainless steel appliances behind. We wanted them for the new home, but didn’t want to pay another small fortune to get replacements. We searched Craigslist and found a one-year-old, black, side-by-side refrigerator for just $ 200. The cheapest we could find it used in an appliance store was $ 600. When people want their old appliances gone, they will take much less money. Take advantage of that.

14. Antiques

You really need to know your stuff, and I don’t. I would love to browse the listings, see an old item for a few bucks, and sell it for thousands. But I know plenty of people who have made some big money buying antiques for profit.

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15. Sports Equipment for Kids

When you have kids, you soon discover that they grow quickly. They outgrow their sports uniforms in no time, and the uniforms are often in amazing condition. Parents will sell these to make cash for the next size up, and you can pick up bargains for your kids. Adults can also find great deals on golf clubs, fishing gear, and lots of other sporty stuff.

Guitar

16. Musical Instruments

So many guitars. So many pianos. So many drum kits. Take a look at the musical instruments section of your local Craigslist, and you’ll soon see how many instruments, often barely used, are up for grabs. Again, it’s a mix of unrealized dreams (wow, playing guitar isn’t easy), kids who aren’t interested, and people who are moving up to bigger and better equipment. Whatever the reason, you make out.

17. Barbeque Grills

Who doesn’t love a brand new barbeque grill? Well, some people don’t, because they’re really expensive these days. But you can find bargains on Craigslist, if you don’t mind a little grease and smoke from someone else’s cookouts. Trust me, they all look that way after a few weeks anyway, and you can save hundreds of dollars going used.

18. Sinks, Tubs, Toilets, and Showers

One word for you — remodel. When people decide to upgrade their bathrooms, they want the old fixtures and fittings gone quickly. But quite often, these upgrades are about style and modernization, not function. One man’s trash is another man’s treasure, and you can find some wonderful old sinks, tubs, toilets, and showers units for almost nothing.

19. Lawn Mowers

I’m in the market for a bigger mower now that I’ve moved. I don’t want to pay a bigger price though, so I’m trawling the Craigslist ads for a self-propelled model. The stores sell these for upwards of $ 300, but one look at Craigslist and you’ll see models, almost new, for half that price. Now is a great time to buy too, because winter is a tough time to sell a mower. Just test drive it first.

20. Pack ‘n’ Plays, High Chairs, and Rockers

There’s a lot of baby stuff I’ll avoid on Craigslist, purely because of safety concerns. No infant seats, no cribs, no strollers. I just don’t know where they’ve been, what they’ve endured, and how well they were taken care of. But things like Pack ‘n’ Plays, high chairs, and rockers, well, they’re much less likely to have any problems. When baby grows up, the parents want to make room for new furniture, and you can pick up items for 75% less than retail.

21. Dog Kennels

Our 120-pound dog needed a big kennel. The price of Dogloo in her size, new, was about $ 300. We picked up a barely used one for $ 50. All it needed was a quick hose down to remove some grass and dirt, and it looked brand new. Now the bigger challenge is getting her to actually use it.

Swingset

22. Playsets

You will see lots of listings for these on Craigslist, and you need to use good judgment and inspect the items carefully. Some of them have been played with hard and left unattended, and could be too rickety for children of any age. But some are pristine, with parents selling them because the kids don’t play on them, or they want to make room for one of those huge trampolines. If you do your due diligence, you can spend hundreds instead of thousands. But you will need to dismantle it and reassemble, so take plenty of pictures before you start!

23. Outdoor Furniture

Just like with lawn mowers, this is a good time of year to pick up outdoor furniture. Who wants to be sat outside in the cold when the warmth of the fireplace beckons? But summer will be back, and you can pick up some real steals. A lot of people buy outdoor furniture and realize they’re not actually using it, so they’ll sell it off really cheap.

24. Landscaping Supplies

When homeowners landscape their yards, they will invariably be left with overages. They may also have removed some things to make way for new shrubs, benches, pathways, and so on. You can find cheap or free landscaping rock, stones, concrete, and all sorts of other backyard goodies on Craigslist for a fraction of the price you’ll pay at a hardware store. Just remember…you haul.

25. Crockery and Silverware

How are your plates and dishes looking? If it’s time for replacements, Craigslist is a phenomenal resource. For a start, a lot of newlyweds will get crockery and silverware as gifts, and they can’t use it all. So, they sell it. Also, people looking to clear out space in the kitchen will sell off their older sets for almost nothing. It’s a good way to spruce up your kitchen on a budget.

So, do you have any “must buy on Craigslist” tips to share? Please let us know.


Wise Bread

The Best and Worst Things to Buy in November

We finally made it to November, one of the happiest months for budget-conscious shopping. Many categories hit their lowest points during this month, usually around Black Friday (not surprisingly). But let’s not forget that the month is made up of 30 full days, not to mention the fact that daylight savings ends. (That gives us one more hour to shop!) That means there are deals to be had all month long, not just around the major shopping event. (See also: Shopping Calendar: The Best Time to Buy Anything)

Contrary to popular belief, however, November isn’t the best time to buy everything. That said, many product categories will see great deals — there are just a few caveats.

Home Furniture Surprises With Strong Deals

Many other media outlets will tell you that January is the best time to buy furniture, since manufacturers begin introducing new styles in February. Our archives reflect that January is indeed a good month for bargains on home furniture, but November may be even stronger. Two years of data show that November featured the greatest volume of Editors’ Choice offerings, as well as the most furniture deals in general. In fact, last year, we saw 39% more home furniture deals in November than we did in January 2011. Expect to see discounted pieces from Walmart, Target, Kohl’s, JCPenney, Sears, Amazon, Overstock, and more. One caveat: January did offer a few more general furniture sales of note (like from Pier 1 Imports) than November.

Current Season Apparel, the Good and the Bad

Last month we noted that winter season apparel items will likely see their greatest sales beginning in January. However, last year, a number of apparel stores offered their best online coupons of the year in the weeks leading up to (and around) Black Friday, and most stacked with existing sales and markdowns. Expect to see an abundance of “best of the year” coupons that take 20% to 40% off, with some reaching even higher discounts. (In fact, 57% of last year’s Editors’ Choice apparel coupons available during the week of Black Friday took a full 30% off or more.)

Tis Not Yet the Season for Toys

With all the holiday shopping you’ll likely be doing at the end of this month, you may start to get overly confident and think, “I can save on toys for the kids too!” As we reported a few weeks ago, however, the best time to get the greatest discounts on toys for the holidays is during the 14 days leading up to Christmas. Moreover, if you’re considering buying a new game console for your kid, keep in mind that there are rumored new releases — finally! — from both Wii and Xbox next year, which should push down the retail prices of today’s “current” systems (which are actually several years old).

Candy That’s Guilt-Free (Price Wise)

Candy helps to keep your blood sugar up during the coming weeks of intense shopping, and luckily the best time buy Halloween items, including candy, starts November 1. While it may be hard to get excited about a discounted costume you can’t (acceptably) wear again until next year, you can easily stock up on Halloween candy for immediate consumption. Is a Reese’s Peanut Butter Cup in the shape of a pumpkin any less delicious? We think not!

Cookware Items See Strong Deals

Rarely do “need” and “best time to buy” so perfectly coalesce. As you prepare to knock the socks off the in-laws this Thanksgiving with an impressive feast, you may discover that there are some holes in your arsenal of cookware. Luckily we saw a sizeable increase in overall kitchen deals last November (about 25% more than the average), which continued into December, albeit with a slight drop off. Moreover, roughly a quarter of November’s cookware deals were of Editors’ Choice caliber. In years past, you could get your mitts on cookware and cutlery sets, bakeware, turkey fryers — a favorite amongst the dealnews staff — and a “best of the year” sale from Oneida.

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Pad Your Stash of Holiday Gifts With Cheap Blu-ray Movies

Even though we see select Blu-ray disc deals throughout the year, the titles you want can still cost you a pretty penny. But around Black Friday, the amount of discounts you’ll see on Blu-ray movies will make them easy gift additions and relegate them to stocking stuffer status for some. Last year, we saw a plethora of popular titles for as little as $ 5 shipped, and we expect to see these sales again this year.

It’s Finally the Best Time to Buy HDTVs

At last, we can deliver positive buying advice with regard to TVs! As we noted in our Black Friday predictions, you’ll see many TV sizes hit their lowest price point of the year later this month. On average, HDTV prices fall 15% to 20% below the previous lowest price we had seen. Also, in nearly every size category, prices dropped in the weeks leading up to Black Friday, so we should see notable HDTV deals before the holiday itself.

When it comes to TVs around Black Friday, however, keep in mind that best-priced sets at rock-bottom prices are likely going to be off-brand models. But where off-brand goes, so too do the major manufacturers — eventually. We’ll start seeing major discounts on top brand TVs in December. If your biggest concern is getting an all-time low for certain specifications, and you’re not necessarily looking for a TV with all the bells and whistles, definitely keep your eyes peeled around Black Friday.

Several Buying Options for Laptops

If you’re itching to replace a sluggish laptop, November is your month. Mainstream systems — or ones that contain the minimum specifications that an average consumer would need — will be available at startlingly low prices during the week of Black Friday. In our Black Friday predictions, we noted that 15″ to 16″ laptops with an Intel Core i5 processor and 4GB of RAM will start at $ 325, the lowest price of the year. Moreover, basic configurations could dip as low as $ 189 while desktop replacements — with top-of-the-line processors, lots of RAM, and a sizeable hard drive — could cost as little as $ 720.

Android Tablets Offer an Opportunity for Bargains

We were surprised last year to see that Apple offered a discount on the iPad during Black Friday, though the savings were relatively slight. If a tablet is on your wishlist this year, consider opting for Android instead, where there will be greater potential to save. With a wealth of manufacturers to compete against, tablets with the Android OS are far more likely to see discounts throughout the year, and several top WiFi models, like the Samsung Galaxy Tab or Motorola XOOM, could hit all-time low prices later this month. Additionally, we’re predicting that generic Android tablets will start at just $ 75, making it a cheap novelty gift for the techie in your life.

This post is by Dealnews.


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Ask the Readers: What Is the Best Career Advice You’ve Ever Been Given?

Your career is one of the biggest aspects of your life. If you work 40 hours each week, you are spending close to 24% of your week in the office. Whether you have a job or are looking for one, chances are you have heard more than your fair share of career advice, both good and bad.

What’s the best career advice you’ve ever been given?  What about the worst? What advice are you always sure to follow when it comes to your career?

Tell us about the best career advice you’ve ever been given and we’ll enter you in a drawing to win a $ 20 Amazon Gift Card!

We’re doing three giveaways — one for random comments, one for random Facebook “Likes”, and another one for random tweets.

Mandatory Entry: 

  • Post your answer in the comments below 

For extra entries (1 per action):

  • Go to our Facebook page, “Like” us, and leave a comment telling us you did, or
  • Tweet your answer. You have to be a follower of our @wisebread account. Include both “@wisebread” and “#WBAsk” in your tweet so we’ll see it and count it. Leave a link to your tweet (click the timestamp for the individual URL) in a separate comment.

If you’re inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.

Giveaway Rules:

  • Contest ends Monday, September 12th at 11:59 pm Pacific. Winners will be announced after September 12th on the original post. Winners will also be contacted via email.
  • You can enter all three drawings — once by leaving a comment, once by liking our Facebook update, and once by tweeting.
  • This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.
  • You must be 18 and US resident to enter. Void where prohibited.

Note: Due to recent changes in Facebook’s promotions guidelines, we have restructured the entry format of our giveaways.

Good Luck!


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The Best and Worst Things to Buy in September

While the waves and ebbs of shopping can be dictated by the economic tide, among other ever-changing factors, there are also certain annual trends that merchants follow faithfully (when conditions will allow). And to understand these trends means a consumer can shop with greater savvy for saving. (See also: Shopping Calendar: The Best Time to Buy Anything)

So at dealnews, we’ve mined our extensive archives of sales, coupons, and individual products from the past few years to find trends that can guide the buying experience in September. Here’s what we found:

Labor Day Sales

Just because it’s a holiday weekend doesn’t mean you should automatically whip out your credit card. We saw numerous special discounts and sales for Labor Day weekend last year from popular retailers (like Macy’s, Gap, Kmart, Kohl’s, and Home Depot), but in many cases, those discounts were about on par with offers we saw in previous months.

However, select retailers (like Converse, Bath & Body Works, Rockport, Express, Men’s Wearhouse, Forever 21, Sears, and Eddie Bauer) featured the best discounts we had seen that year during this weekend, and most of the best sales were for apparel, sneakers, and sandals.

So if you’re on a lookout for clothing, it might be a good weekend to snatch up late-season apparel — a lot of which you can easily transition into a fall wardrobe. Also, keep an eye out for Labor Day coupons that will take an extra discount from existing markdowns. According to our data, they can offer as much as an extra 35% off, but normally fall between an extra 15% to 25% off. In many cases they aren’t the best coupons we’ve seen from these stores; for example, Gap offered a 25% off coupon last year during this weekend, when we had seen several 30% off codes in July and August. But in many cases, the codes stack with existing sales and provide a nice incentive during a weekend you may already be planning to shop.

Apparel

Despite the numerous clothing sales you’ll see during Labor Day weekend, apparel might be a difficult category to shop for in the upcoming fall season. Because of increased cotton and labor prices earlier in the year, prices for new fall apparel may increase by as much as 10%. (Even though cotton prices have dropped significantly since that early spike, fall is when we’ll start to see the effects in stores.) September may still be early enough to miss some of these projected increases, but for season-appropriate apparel, you should consider shopping sites like 6pm that feature older stock that’s immune to the current production cost issues.

And, as far as sales on previous season items go, you may benefit from waiting until October. Although we noted many clothing sales during Labor Day weekend, we also mentioned that many weren’t the best we had seen. For men’s apparel, for example, we saw 30% more Editors’ Choice-level deals in October than we did in September.

ARTICLE CONTINUES BELOW

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Bed and Bath

Deals were rather strong in September 2010 for bedding, towels, and more. Specifically, we saw several Editors’ Choice options for bedding sets. Keep an eye out for these discounted home items from the likes of Walmart, Kohl’s, and Bed, Bath & Beyond. (There were great sales all around at Kohl’s, especially when you factor in the free shipping and stacking 10% off coupons that the merchant offered in September in both 2009 and 2010.)

Airfare

Around this time of year, the next major trip you have planned may very well be for Thanksgiving. And even though you may be tempted to purchase airfare early, our data suggests you could get a better deal in October. We saw zero Editors’ Choice-level flight sales in September, and several in October (from Virgin America, Frontier, and Southwest, among others), as well as a general increase in volume.

Car Accessories

Conventional wisdom says that September, particularly around Labor Day, is one of the best times of the year to buy a car. dealnews can’t specifically confirm that, as we don’t list cars, but we do however track car accessories. And interestingly enough, we saw a slight increase in deals for auto goods in the month of September. In particular, accessories to enhance a car, from car mats to brake pads, were more prominent. We saw great sales from Amazon and Sears too, mainly in the first two weeks of the month.

HDTVs

Last September we saw a spike in 55″ LCD LED TV prices as they jumped from August’s best price of $ 1,400 to $ 1,710. (3D sets also jumped from $ 2,114 to $ 2,272.) The good news is that October immediately rings in a significant drop in TV prices, which continues until the end of the year. Thus, we expect most sets to hit new lows come November and December. September is the month we recommend skipping if you’re in need of a new LCD HDTV.

Laptops

When it comes to laptops, September is an odd month to make purchases. It’s too late to take advantage of back-to-school sales, and it’s too early to see any Black Friday-like pricing. In fact, last year September prices on a 16″ mainstream laptop were slightly up from August prices (jumping $ 21 from $ 858 to $ 879). October deals were much more aggressive with prices dropping as low as $ 769. We expect a similar trend this year, but if you’re looking for the greatest discount, wait until November.

This is a guest post by Dealnews.


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Best Money Tips: Smart Money Moves for College Freshmen

Welcome to Wise Bread’s Best Money Tips Roundup! Today we found some great articles on smart money moves for college freshmen, ways to save money on your next vacation, and how to stop wasting money.

Top 5 Articles

Going to College? 5 Smart Money Moves for College Freshmen — As a college student, make sure to start building your credit. [Free From Broke]

5 Tips for Saving Money – and Strife – On Your Next Vacation — Save money on your next vacation by going green when getting around. [Credit Sesame]

10 Ways to Stop Wasting Money — Stop wasting money by avoiding infomercial shopping. [My Two Dollars]

20 Simple Ways You Can Save on Energy — Save money on energy by changing all of your lightbulbs to energy efficient bulbs. [Savings Scoop]

Buying in Bulk for Singles and Small Families — When buying in bulk for singles or a small family, consider investing in a stand-alone freezer. [Fiscal Fizzle]

Other Essential Reading

The Top 51 Degrees Based on Job Prospects — If you are a college student looking for a degree that will land you a great paying job, consider getting a PhD in computer science. [The Best Degrees]

Summer Clean Out: What to Keep, Store, and Toss — As you do your summer clean out, be sure to hold onto anything that you use regularly. [Currency]

Summer Math Fun — Teach your kids math skills by cooking with them. [Parenting Squad]

Want an Airline Tax Refund? Be Patient — If you are waiting for an airline tax refund, be patient and gather the evidence you need to get a refund. [Kiplinger]

4 Simple Tips on How to Make Money Blogging — Make money blogging by using Google Adsense. [BlogStash.com]


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