Amazon http://www.wisebread.com/taxonomy/term/9/all en-US 3 Subscription Services Every Traveler Needs http://www.wisebread.com/3-subscription-services-every-traveler-needs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-subscription-services-every-traveler-needs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-626700900.jpg" alt="every traveler needs these subscriptions" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Subscription services are everywhere these days, and some of them are great for frequent travelers. We've compiled a list of convenient ways you can save money through subscriptions that will work whether you're at home or traveling.</p> <h2>Netflix</h2> <p>Since it came out in 1997, Netflix has grown to be an international entertainment giant. And with good reason. While it can be great to watch movies or TV shows from the comfort of your home, Netflix can also travel with you to 190 different countries where you can stream content around the world.</p> <p>I have personally used Netflix in both France and Mexico. The selection of films and TV shows varies from country to country, but I love having the option to watch Netflix while I'm traveling. First, it gives me the ability to easily watch my favorite shows while I'm abroad, which can be a big comfort when I'm surrounded by a foreign language and culture. But secondly, I also like Netflix in that it is adapted to the local context and offers a good selection of some of the classic and contemporary films from the country I'm visiting.</p> <p>For instance, in Mexico, there's a very popular Netflix original show called Club de Cuervos, which is about a fictitious soccer team. Having a Netflix subscription made it easy for me to check out local pop culture. Watching local shows is also a great way to practice a foreign language, and you can always turn on the subtitles if you're struggling to understand.</p> <p>At $7.99 a month for online streaming to one screen in standard definition, a Netflix subscription costs less than one movie ticket and about one-seventh the price of the average cable bill. For that you get a wide selection of movies and TV shows in your home or hotel.</p> <h2>Spotify</h2> <p>One of my favorite subscriptions is Spotify. For a music lover like me, the premium subscription is well worth the price tag. The sign-up offer gives you a month for free, and then it costs $9.99 a month after that. You can save even more money with a student or family subscription.</p> <p>With the premium subscription, you're freed from advertisements popping up every few songs when you stream, and you get the option to download tracks to your device, which is great for travel. Having the tunes on your phone or tablet saves you the cost of data that you'd need to use to stream songs.</p> <p>Plus, with either the free or paid versions of the service, you have access to a huge library of music that's more affordable than buying lots of CDs or album downloads.</p> <h2>Amazon Subscribe &amp; Save</h2> <p>If you're spending lots of time away from home, it can be hard to keep up with tasks like keeping the house stocked for when you get back. When you get home from a trip, you'll want to spend time with friends and family, not out buying toilet paper.</p> <p>Amazon's <a href="http://amzn.to/2meUESq" target="_blank">Subscribe &amp; Save</a> can help by automatically delivering household staples, including groceries, office supplies, and beauty products. You choose the products you want to receive and set up an automated delivery. Deliveries of at least five products on a monthly basis are eligible for discounts of up to 15 percent.</p> <p>If you normally spend $300 a month on these types of items, that means you're setting yourself up for a monthly savings of $45 and the cost of gas, not to mention the time it takes you to do these errands yourself.</p> <p>Depending on how often you're on the road, you may need to check in just to make sure you don't end up with a large supply of paper napkins that you don't have space for.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F3-subscription-services-every-traveler-needs&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F3%2520Subscription%2520Services%2520Every%2520Traveler%2520Needs.jpg&amp;description=3%20Subscription%20Services%20Every%20Traveler%20Needs"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/3%20Subscription%20Services%20Every%20Traveler%20Needs.jpg" alt="3 Subscription Services Every Traveler Needs" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-gokee">Amanda Gokee</a> of <a href="http://www.wisebread.com/3-subscription-services-every-traveler-needs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-family-plans-can-save-you-tons">How Family Plans Can Save you TONS</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-tv-must-haves-once-you-cut-the-cable-cord">3 TV Must-Haves Once You Cut the Cable Cord</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-6-things-will-make-your-next-flight-more-comfortable">These 6 Things Will Make Your Next Flight More Comfortable</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-netflix-and-hulu-to-play-on-your-tv">How to Get Netflix and Hulu to Play on Your TV</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/life-without-tv">Life Without Television</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Travel abroad Amazon deliveries movies music netflix shopping spotify subscribe and save subscription services tv Wed, 19 Apr 2017 08:30:06 +0000 Amanda Gokee 1926605 at http://www.wisebread.com 20 Ways Amazon's Alexa Can Make Your Life Easier http://www.wisebread.com/20-ways-amazons-alexa-can-make-your-life-easier <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/20-ways-amazons-alexa-can-make-your-life-easier" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-577940288.jpg" alt="Learning ways Amazon&#039;s Alexa makes life easier" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>World, meet Amazon's Alexa. Alexa is a personal assistant that comes with the <a href="http://amzn.to/2lDJtCe" target="_blank">Amazon Echo Dot</a>, <a href="http://amzn.to/2mlm34q" target="_blank">Echo Tap</a>, and <a href="http://amzn.to/2li4vWa" target="_blank">Echo devices</a>. It works similarly to Siri and can be the assistant you never knew you needed.</p> <h2>What Can Alexa Do?</h2> <p>The smart wireless speaker offers a number of valuable services through Alexa that can really make your life easier. By simplifying daily tasks with Alexa, you can get out the door faster and focus on more important things.</p> <p>With more than <a href="http://phx.corporate-ir.net/phoenix.zhtml?c=176060&amp;p=RssLanding&amp;cat=news&amp;id=2201509&amp;utm_source=Triggermail&amp;utm_medium=email&amp;utm_campaign=Post%20Blast%20%28bii-iot%29:%20Google%27s%20self-driving%20car%20project%20is%20losing%20out%20to%20competito" target="_blank">3,000 available skills</a>, it can take some time to determine which skills are right for your needs. That's why we've highlighted some of the best ways to use Alexa to streamline your life.</p> <h3>1. Check the Traffic and Weather</h3> <p>By being able to check the traffic and weather with ease, you can better prepare for the day ahead.</p> <h3>2. Manage Your Calendar</h3> <p>You can edit your calendar and get reminders of upcoming events with voice commands. You can also create tasks on your favorite to-do app.</p> <h3>3. Find Your Phone</h3> <p>If you've lost your phone, <a href="http://amzn.to/2l81dnv" target="_blank">TrackR</a> will help you find it. Simply instruct Alexa to find your phone or ring your phone so you can quickly determine its location.</p> <h3>4. Set a Timer or Alarm</h3> <p>Along with quickly checking the time, you can also set a timer or alarm on the device. You can also set your phone to ring anytime the alarm goes off.</p> <h3>5. Play Music</h3> <p>You can play a song through Alexa or connect to a paid music service like Spotify. You can even instruct it to play certain types of music (such as, &quot;Alexa, play Christmas music&quot;) to perfectly set the mood.</p> <h3>6. Get the News</h3> <p>Alexa can read the news or your favorite audiobook to you. She can also answer questions so you can always stay informed.</p> <h3>7. Find Local Hotspots</h3> <p>Alexa can help you find local businesses or restaurants based on Yelp reviews. This can help you get more acquainted with your new neighborhood in no time.</p> <h3>8. Control the Lights</h3> <p>If you have smart lights, you can use Alexa to turn them on and off with your voice.</p> <h3>9. Control the Thermostat</h3> <p>If you have a smart thermostat (like a <a href="http://amzn.to/2l81Jlo" target="_blank">Nest thermostat</a>), Alexa can adjust the temperature via voice command.</p> <h3>10. Control Your GE Appliances</h3> <p>Once you've connected your GE appliances, you can tell Alexa to do things like preheat the oven when you're ready to cook a meal.</p> <h3>11. Control Your Smart Devices</h3> <p>Once you connect your smart devices (like your TV), you can start controlling them with Alexa. You can turn on the TV, launch Netflix, change the channel, and more. Companies like Ford, Hyundai, and LG have also released smart home appliances, cars, phones, and other electronics that can connect with Alexa to further simplify your life. With the <a href="http://amzn.to/2lLGlGu" target="_blank">Automatic car adapter</a> addition, you can even track information on your car, such as how much you drove and when you'll need gas.</p> <h3>12. Improve Home Safety</h3> <p>With Alexa, you can lock your doors or turn your home security system on.</p> <h3>13. Update Your Shopping List</h3> <p>By being able to verbally edit your shopping list, you'll never have to worry about forgetting anything again.</p> <h3>14. Buy Something</h3> <p>Of course, you can instruct Alexa to purchase something and she will complete the order on Amazon for you.</p> <h3>15. Order a Ride</h3> <p>You can connect your device with apps like Uber or Lyft to request a ride.</p> <h3>16. Plan a Trip</h3> <p>You can quickly plan and track a trip through the Kayak skill. Who needs a personal assistant when Alexa can do the hard work for you?</p> <h3>17. Find Recipes</h3> <p>Alexa connects to Food Network, My Chef, and All Recipes to help you find the perfect recipes for food or cocktails, so you can plan a tasty meal on the fly.</p> <h3>18. Order Food</h3> <p>Some food companies, like Domino's, have partnered with the Amazon Echo, allowing you to do things like reorder your most recent order, send a new order, or track your current order. You'll always know where your pizza is.</p> <h3>19. Get Fit</h3> <p>Simply instruct Alexa to start a seven-minute workout and she will walk you through the routine. Now, you'll never have an excuse to skip a workout again. You can also connect your Fitbit to better monitor your fitness. And you can get detailed nutritional information from the Food Tracker skill to more efficiently monitor your calorie intake.</p> <h3>20. Connect With Amazon Prime</h3> <p>If you have Amazon Prime, then Alexa makes it seamless for you to take advantage of all the services you are paying for with your subscription, so you get the best value for the money with Prime music, two-day shipping, and a lot more.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/20-ways-amazons-alexa-can-make-your-life-easier">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-your-devices-are-spying-on-you">7 Ways Your Devices Are Spying on You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-surprising-ways-your-identity-can-be-stolen">18 Surprising Ways Your Identity Can Be Stolen</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/34-smart-ways-to-cut-your-electric-bill">34 Smart Ways to Cut Your Electric Bill</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-off-the-grid-is-a-lot-harder-than-you-think">Going Off the Grid Is a Lot Harder Than You Think</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-skills-that-will-be-obsolete-soon">9 Skills That Will Be Obsolete Soon</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Technology AI Amazon Amazon Alexa personal assistant robot butler robots Siri tech gadgets tech news Tue, 28 Feb 2017 10:31:29 +0000 Andrea Cannon 1900048 at http://www.wisebread.com Pay with a Selfie: How Safe Are the New Ways to Pay? http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-512291874.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In 2016, more than half of all <a href="https://consumerist.com/2016/06/08/ups-survey-online-shopping-has-surpassed-in-store-buying-for-the-first-time/" target="_blank">purchases in the U.S.</a> were made online instead of at a brick-and-mortar store. From selfie-payments to Facebook Messenger bots, there is now a long list of unusual ways that you can pay the water bill or complete your grocery run for the week.</p> <p>But how safe are these new ways to pay? Let's take a closer look at how some of these new payment methods work, and what you can do to make them even safer.</p> <h2>1. Facebook Messenger Bots</h2> <p>Colorado-based <em>fintech </em>company BillHero was the first to leverage a Facebook Messenger chat bot to pay bills via chat commands. Later on in September 2016, Facebook enabled all of the 34,000 plus developers on the platform to support payments. The social media giant is working with several players in the credit card industry and fintech, including Visa and Braintree, to process all types of payment options.</p> <p>By opening the gates, Facebook allowed U.S. customers to complete a wide range of other transactions and purchases on Facebook Messenger. In a nutshell: The chat bot lets you know about a product that you might be interested in, and provides a &quot;buy now&quot; button. When you click it, it takes you to a checkout screen with your shipping information and payment method for you to review. Boom! Just like that, you're ready to pay.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>Well, Facebook Messenger payment bots are covered by the same level of security as all other Facebook products. All transactions using a Facebook chat bot are encrypted or processed through a trusted third-party payment processor, such as PayPal or Stripe, to protect your payment information, such as your card number or CVV. Also, transaction confirmations from a bot will restrict your information, such as only showing the last four digits of your credit card number.</p> <h3>How to Make It Safer</h3> <p>Your first line of defense starts with your Facebook password. Facebook recommends building a password that has at least six characters and is a complex combination of numbers, letters, and punctuation marks. When a password isn't strong enough, the app will let you know. Also, make your Facebook password different from those you use for your online banking, investing, or retirement savings accounts. (See also: <a href="http://www.wisebread.com/3-sneaky-ways-identity-thieves-can-access-your-data?ref=seealso" target="_blank">3 Sneaky Ways Identity Thieves Can Access Your Data</a>)</p> <p>A second tactic is to <a href="https://www.facebook.com/help/162968940433354?helpref=faq_content" target="_blank">turn on login alerts</a> so that you receive an automated alert when someone tries logging in to your Facebook account from an unrecognized device or browser. A third is to <a href="https://www.facebook.com/help/610199629080802?helpref=faq_content" target="_blank">require a password or PIN</a> whenever sending money or making payments in Facebook Messenger.</p> <h2>2. MasterCard Selfie Payments</h2> <p>Speaking of passwords, MasterCard believes that they cause too much hassle and presents the option to pay with a selfie. The &quot;selfie pay&quot; technology was first tested in the Netherlands, the U.S., and Canada and will be rolled out gradually across the world throughout 2017.</p> <p>Through a smartphone app, shoppers can confirm a purchase by taking a selfie and letting the facial recognition software verify their identity. According to MasterCard, 71% of users rated &quot;selfie pay&quot; highly during trials.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>To prevent somebody from just holding up a picture of you and getting away with a $1,000 shopping spree, the app requires you to snap the picture after you blink or shake your head. Then, the app compares the selfie with stored algorithms of your face to identify you. During the trials, 73% of users believed that &quot;selfie pay&quot; will reduce fraud and 90% of them would use it in the future.</p> <h3>How to Make It Safer</h3> <p>Since &quot;selfie pay&quot; is still in the process of being rolled out, there's little that we can do as of right now. If taking selfies isn't your cup of tea, MasterCard also plans to provide a fingerprint confirmation option with the app and is currently testing voice and cardiac rhythm recognition.</p> <h2>3. Amazon Dash Buttons</h2> <p>Connected to your home's Wi-Fi, the <a href="http://amzn.to/2iTpixh" target="_blank">Amazon Dash Button</a> allows you to reorder many of your favorite products with a simple click. To set up each Amazon Dash Button, you'll need to download the Amazon app on your Android or Apple device, connect the Dash Button to Bluetooth, and also enter your Wi-Fi information. Some Dash Buttons don't support Bluetooth connection, and use your smartphone's Wi-Fi connection or speakers instead.</p> <p>Currently, the button is only available for Amazon Prime members, costs $4.99, and provides you with a $4.99 credit after your first order. There are hundreds of products to choose from including Charmin, Doritos, Greenies Dog Treats, and Red Bull! Once you click the button, an indicator light will turn green when your order is successfully placed, or red if there was a problem.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>A device that connects seamlessly to your Wi-Fi, smartphone, and Amazon account &mdash; what could go wrong? While there are plenty of folks that have hacked their own button to do anything from <a href="https://medium.com/@ecaron/why-i-stopped-hacking-the-amazon-dash-button-and-learned-to-solder-84386a38bbd1#.wmcfdj5do" target="_blank">turning on lamps remotely</a> to <a href="https://medium.com/@brody_berson/hacking-amazon-s-5-dash-button-to-order-domino-s-pizza-9d19c9d04646#.j6d2iycep" target="_blank">ordering pizza</a> with one click, there are currently no reports of malicious hackers tapping into another person's Amazon Dash Buttons.</p> <h3>How to Make It Safer</h3> <p>Turn on the &quot;order protection&quot; feature on your Dash Button to prevent a new order from being placed until your prior order is delivered. This way you can prevent your spouse or son from tripling an order of detergent on the same day.</p> <p>Consider turning on the email notifications of your Amazon orders so that you can cancel any orders that you don't recognize.</p> <p>And it should go without saying, but set a strong password for your Wi-Fi and update that password at least once a year.</p> <h2>4. Chip Cards</h2> <p>No other new form of payment has generated more discontent from American consumers. From the confusion about swiping or inserting, to the awkward conversation with cashiers while waiting for your card to be processed, there is a list of reasons these metallic chips are considered an annoyance by many.</p> <p>However, the reality is that chip cards are far from being a new way to pay. They have been reducing fraud in over 130 nations around the world for several years. So, the U.S. is just playing catch-up. As of April 2016, Visa had issued <a href="http://www.usatoday.com/story/money/2016/04/19/some-major-merchants-see-dip-counterfeit-fraud-thanks-chip-cards-visa-says/83194722/" target="_blank">roughly 265 million</a> U.S. chip-enabled credit and debit cards, and MasterCard had upgraded about 70% of its U.S. debit and credit cards to the chip format.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>The evidence clearly indicates that chip-enabled cards reduce fraud. Visa has reported that among the U.S. merchants who were suffering the most instances of card fraud at the end of 2014, those that began accepting chip debit and credit cards saw instances of card fraud fall 18.3% as of the fourth quarter of 2015. On the other hand, some of the U.S. merchants who opted not to upgrade payment terminals to process chip cards experienced an increase in instances of card fraud of 11.4% for the same period. (See also: <a href="http://www.wisebread.com/4-ways-chip-credit-cards-make-life-easier?ref=seealso" target="_blank">4 Ways Chip Credit Cards Make Life Easier</a>)</p> <h3>How to Make It Safer</h3> <p>Simple: Opt to use your chip-enabled cards over those without a chip, and choose merchants with chip-enabled payment terminals over those who are still holding out. As with everything else, strength comes in numbers. Only when chip cards have become the norm across the nation can we all reap the enhanced security benefits of chip technology.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth">Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit for You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-surprising-ways-your-smartphone-can-keep-you-and-your-family-safe">6 Surprising Ways Your Smartphone Can Keep You and Your Family Safe</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-dumb-places-you-re-leaving-your-money">6 Dumb Places You’re Leaving Your Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology Amazon apps bots buying chip cards Facebook fraud payment methods safety selfie Fri, 17 Feb 2017 10:31:16 +0000 Damian Davila 1890386 at http://www.wisebread.com What You Need to Start Flipping Items for Cash Online http://www.wisebread.com/what-you-need-to-start-flipping-items-for-cash-online <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-you-need-to-start-flipping-items-for-cash-online" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-628153006.jpg" alt="make money from home flipping your clutter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Over the past few months, I've shared my love of flipping by sharing <a href="http://www.wisebread.com/10-easiest-items-to-flip-for-cash?ref=internal" target="_blank">easy items to flip for cash</a> and <a href="http://www.wisebread.com/10-old-knick-knacks-you-can-flip-for-easy-cash?ref=internal" target="_blank">&quot;flippable&quot; knickknacks</a> that can bring in the highest profit. But knowing <em>what </em>to sell is far different from knowing <em>how </em>to sell. With that in mind, let's explore the essentials for getting started in the flipping game. Here are the only nine things you need to make money flipping your stuff.</p> <h2>1. A Smartphone</h2> <p>Even if you're equipped with decades' worth of knowledge about a wide range of items, immediate access to information is crucial. Though I've spent most of my life immersed in the world of antiques, I still rely on my smartphone nearly every time I go picking. Researching recent online sales helps me confirm hunches, learn more about obscure items, decide what's worth buying, and determine the maximum price I can pay. And I can do all of it on the go with my smartphone in hand.</p> <h2>2. A Quality Camera</h2> <p>Though written descriptions are important, great photographs sell products. Invest in a high-quality digital camera and work to develop basic photo-editing skills. Just a few minutes' worth of cropping, adjusting brightness levels, and tweaking contrast ratios can turn so-so snapshots in fabulous photos.</p> <h2>3. An Account With an Online Auction Site</h2> <p>An account or storefront on eBay, Etsy, Amazon, or similar site is the virtual front door of your flipping business &mdash; a door that millions of potential buyers can walk through 24/7. While selling locally on Craigslist is convenient for large items, many people are understandably put off by the risks associated with meeting buyers in person. Also, depending on your area, a Craigslist ad may simply not get the same level of attention as a listing on a major auction or retail site. (See also: <a href="http://www.wisebread.com/the-9-secrets-of-highly-successful-craigslist-sellers?ref=seealso" target="_blank">The 9 Secrets of Highly Successful Craigslist Sellers</a>)</p> <h2>4. A PayPal Account</h2> <p>Though there are competing payment methods, PayPal is the standard for most online transactions. As much as you may want to support the underdog or minimize your transaction fees, make your life (and your buyers' lives) easier by setting up a PayPal account and getting verified. Verified status on PayPal boosts your credibility as both a buyer and a seller, allows you to send and receive money as often as you like, and provides certain seller protections.</p> <h2>5. A Dedicated Space</h2> <p>While not a requirement, a dedicated space for inventory can help serious flippers keep track of what needs to be photographed and listed, what's listed but unsold, and what's waiting to be shipped. Find a walk-in closet or basement corner that you can devote to stock, packing supplies, and other business essentials.</p> <h2>6. Packing and Shipping Supplies</h2> <p>If you're selling primarily online, you'll need a steady supply of boxes, Bubble Wrap, and packing peanuts. To keep my overhead low, I try to source most of this material free from local retailers. Department and grocery stores usually restock shelves in the evening and are more than happy to offload empty boxes that would be destined for the dumpster or recycling bin anyway.</p> <h2>7. A Shipping Account</h2> <p>As an active flipper, you'll likely be shipping packages all week long. Avoid schlepping all those parcels to the post office by setting up a USPS account, paying for and printing your postage at home, and having packages picked up at your doorstep. FedEx Ship Manager and UPS Internet Shipping are similar services that allow you to do the same thing. Whatever option you choose, be transparent. Communicate your shipping charges clearly and make sure buyers understand their options and have accurate tracking information.</p> <h2>8. Basic Customer Service Skills</h2> <p>Just as in the brick-and-mortar world, selling successfully online takes a bit of hand-holding. Inevitably, prospective buyers will have questions, request additional details or photos, and try to get a better deal by throwing lowball offers your way. Channel your inner customer service representative and respond to inquiries quickly and respectfully. Your buyers will appreciate it and remember you when it's time to buy again.</p> <h2>9. An Eye for Trends</h2> <p>Since tastes and styles change quickly, flippers need to stay on top of trends. Particularly if you're selling clothing, antiques, or home décor items, become a student of the world around you. What items are people just beginning to appreciate and collect? What clothing trends are fading away? What parts of the resale market are oversaturated? Once you've tuned into evolving trends, you'll begin to anticipate what's next and discover whole new categories of items you can flip for easy cash.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/what-you-need-to-start-flipping-items-for-cash-online">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/craigslist-vs-ebay-where-to-sell-10-common-items">Craigslist vs. eBay: Where to Sell 10 Common Items</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/selling-stuff-online-avoid-these-8-flipping-mistakes">Selling Stuff Online? Avoid These 8 Flipping Mistakes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/turn-old-clothes-into-money-with-these-4-tools-and-apps">Turn Old Clothes Into Money With These 4 Tools and Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-sell-your-crap-a-book-review-and-tips">How to Sell Your Crap: A Book Review and Tips</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-awesome-art-of-getting-great-deals-online">The Awesome Art of Getting Great Deals Online</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Shopping Technology Amazon clothes clutter craigslist de-clutter eBay etsy flipping flipping items paypal sell your stuff Wed, 11 Jan 2017 11:00:09 +0000 Kentin Waits 1871894 at http://www.wisebread.com 9 Ways to Use Miles and Points for Holiday Gifts http://www.wisebread.com/9-ways-to-use-miles-and-points-for-holiday-gifts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-to-use-miles-and-points-for-holiday-gifts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_christmas_shopping_621576836.jpg" alt="Woman using miles and points for holiday gifts" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Although shopping isn't always the best way to get value out of your credit card or other loyalty rewards &mdash; <a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles">international flights and upgrades</a> typically get more punch for the point &mdash; there are lots of good reasons to consider spending some points on holiday gifts.</p> <p>If you're short on cash, tapping your miles and points is an easy way to come through for loved ones without racking up debt. It's a sneaky way to treat a spouse who shares your checking and credit accounts without having a bill for the &quot;gift&quot; arrive in January. Shopping can also be an expedient way to use up small caches of points that might otherwise expire, which should be part of your year-end financial cleanup anyway.</p> <p>Check out some of these easy ways to turn points into presents under the tree.</p> <h2>1. Shop Amazon With Points</h2> <p>This is so easy that even I, usually a die hard &quot;save points for travel&quot; girl, bought my kids some toys using this method this year. Some credit cards allow you to link your Amazon account directly to easily use points for purchases. Amazon is also a popular vendor in shopping portals. Check your credit card issuer to see if they have a members-only shopping portal that allows you to use points (or earn bonus ones) when you shop with their partners.</p> <h2>2. Buy Gift Cards With Points</h2> <p>Many rewards programs offer gift cards as a redemption option. You can usually exchange your points at a $0.01 rate, so if you have 500 points, you can usually get a $5 gift card to a popular store, like Starbucks, Home Depot, or Banana Republic. Make sure to check whether your gift cards will arrive by mail or email, and if by mail, when they will be shipped.</p> <h2>3. Give the Gift of Travel</h2> <p>If you have a lot of points, you can always use them where you get the best value: airline flights. This is a great gift idea for a loved one you'd like to visit you. Simply use your points to book a ticket in his name. Southwest is a good candidate for this kind of gift, since your recipient can change the flight itinerary at no charge if your proposed travel dates don't work. You can earn Southwest Rapid Rewards with the <a href="http://www.wisebread.com/best-domestic-frequent-flyer-program-southwest-airlines-rapid-rewards-premier-credit-card?ref=internal">Southwest Credit Card</a>, or by transferring Chase Ultimate Rewards Points to your Rapid Rewards account.</p> <h2>4. Give Subscriptions</h2> <p>If you have a few points close to expiration, you may have received an offer in the mail to trade points for magazine and newspaper subscriptions. This is a good way to squeeze some value out of miles for an airline you're unlikely to fly, or points from any program where you don't expect to accumulate enough to redeem anything big.</p> <p>For instance, while 3,200 miles is not enough for even a short flight on American Airlines, it can get you a yearlong subscription to The Wall Street Journal, a $278 value. Through <a href="https://www2.magsformiles.com/index.html?utm_source=expired&amp;utm_medium=10024767">Mags for Miles</a>, you can redeem United, Spirit, and a number of other types of miles for People, Sports Illustrated, or many other titles. This is a particularly good idea for Spirit miles, since they expire quickly.</p> <h2>5. Redeem Points for Merchandise</h2> <p>This usually ends up giving you the <em>worst </em>value for your points, but if it prevents you from actually spending your cash, it can still be worthwhile. Look at your options for points redemption, and you'll usually find a &quot;merchandise&quot; option, which lists gadgets and gifts you can get with your points. If the gift you really want to get is there, or you really wouldn't be able to use the points in a better way, why not?</p> <h2>6. Give Exclusive Experiences</h2> <p>Sometimes Broadway shows, sporting events, and other experience vendors offer exclusive opportunities to cardholders. For instance, in San Francisco, hard-to-get Hamilton tickets were recently offered on pre-sale to Amex cardholders only. Chase cardmembers were also recently offered a VIP experience at the Sundance Film Festival.</p> <h2>7. Redeem Points for Cash</h2> <p>Even if your credit card isn't labeled a &quot;cash back&quot; credit card, you may still be able to redeem your points for cash or a statement credit. Sometimes they don't advertise this option, so dig a little into their rewards center to see whether it's an option. You simply shop normally for your gifts &mdash; except without denting your checking account.</p> <h2>8. Make a Donation</h2> <p>If your giftee is the type of person who would appreciate a charitable donation in their name, many issuers will allow you to donate your points to charities. Check your rewards center for options and availability.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/9-ways-to-use-miles-and-points-for-holiday-gifts">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-gifts-that-wont-become-clutter">9 Gifts That Won&#039;t Become Clutter</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-frugal-skills-you-need-to-survive-black-friday">8 Frugal Skills You Need to Survive Black Friday</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/holiday-gift-giving-for-the-truly-broke">14 Gift Ideas for the Truly Broke</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-should-never-do-with-your-travel-rewards-credit-cards">7 Things You Should Never Do With Your Travel Rewards Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-5-cash-back-on-holiday-purchases">How to Get 5% Cash Back on Holiday Purchases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Amazon cash back charities christmas shopping gifts holiday shopping miles rewards subscriptions Fri, 09 Dec 2016 10:00:08 +0000 Carrie Kirby 1850499 at http://www.wisebread.com 6 Stocks to Buy Before Black Friday http://www.wisebread.com/6-stocks-to-buy-before-black-friday <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-stocks-to-buy-before-black-friday" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/ebay_sign_93270545.jpg" alt="Finding stocks to buy before Black Friday" title="" class="imagecache imagecache-250w" width="250" height="165" /></a> </div> </div> </div> <p>Thinking about playing the stock market to take advantage of the holiday uptick? Consider investing in these stocks to boost your gift-shopping budget. Or, just scrap it all and go on vacation. Merry Christmas to <em>you</em>!</p> <h2>1. UPS</h2> <p>It makes perfect sense that global-shipping giant United Parcel Service [NYSE: <a href="https://www.google.com/finance?q=NYSE:UPS">UPS</a>] would see a surge in stock prices as the height of shipping season approaches. A recent survey conducted by comScore reveals that <a href="http://fortune.com/2016/06/08/online-shopping-increases/">online shopping will increase this year</a> &mdash; to nobody's surprise &mdash; and that only means more business for UPS. According to independent trader and investor Tela Holcomb, UPS stock has risen from early November to early December for nine out of the last 10 years. Given data that even more packages than ever before will crisscross the country this year, 2016 should be a boon for business as well. She notes, however, that stock trends are based on historical data and should not be taken as investment advice; your personal decision on whether to invest should be supported by current stock charts.</p> <h2>2. Amazon</h2> <p>Amazon [NASDAQ: <a href="https://www.google.com/finance?q=AMZN&amp;ei=utctWImsKIW7ep7hpbAJ">AMZN</a>] has given department stores a run for their money and their stock price shows it. Like UPS, Amazon's stock has a trend of rising from early November to early December, nine out of the last 10 years, with the highest increase being over 11%, according to Holcomb.</p> <h2>3. eBay</h2> <p>If Amazon doesn't have what you're looking for when shopping for gifts, eBay [NASDAQ: <a href="https://www.google.com/finance?q=NASDAQ%3AEBAY&amp;ei=vtctWKHUGM_BeuzHp8gG">EBAY</a>] probably does &mdash; which is why each of these platforms continues to perform at peak levels during the holidays. Vic Patel is a professional trader and investor with over 20 years' experience in the Stock, Futures, and Foreign Exchange Markets, and he's particularly bullish about eBay in the short term going into Black Friday.</p> <p>&quot;Last year, eBay posted a healthy 4% gain from early November leading into Black Friday; I see a similar seasonal tendency for the stock this year as well,&quot; he says. &quot;This is especially likely given that the stock has been beaten down a bit over the last few months and is ready for a bounce upwards.&quot;</p> <h2>4. Priceline</h2> <p>The holiday period has a stronghold on many industries, including restaurants, retail, and travel. Which is why it stands to reason that during the most traveled period of the year &mdash; the day before Thanksgiving through New Year's &mdash; travel sites like Priceline [NASDAQ: <a href="https://www.google.com/finance?q=priceline&amp;ei=F9gtWNG1HdW_e8zjhtAF">PCLN</a>] start climbing.</p> <p>&quot;Analyzing changes in Priceline's stock price shows the stock has a trend of going up the last two weeks of November into the beginning of December,&quot; Holcomb says. &quot;With Thanksgiving being the day before Black Friday, it's no surprise their stock is up around this time.&quot;</p> <h2>5. Big 5 Sporting Goods</h2> <p>In a year that saw one of the biggest sporting goods store in the United States &mdash; Sports Authority &mdash; go belly up, it's a surprise (or maybe not, thanks to less competition) to see Big 5 Sporting Goods [NASDAQ: <a href="https://www.google.com/finance?q=BGFV&amp;ei=X9gtWLmuIo29e8LPoogO">BGFV</a>] projecting gains. But the company, with an e-commerce platform and brick-and-mortars limited to the western U.S., is dazzling investors. In fact, Forward View, an investment research provider, moved the company from a sell rating to a buy rating while increasing its target price to $20, up from $15, based on new modeling.</p> <h2>6. A Few Things You've (Maybe) Never Heard Of</h2> <p>The election of soon-to-be President Trump sent the market into a tailspin leading up to the results, but the Dow bounced back to post a six-day winning streak, closing at a <a href="http://www.cnbc.com/2016/11/14/us-markets.html">record high despite a tech fall</a>, according to CNBC, with Goldman Sachs [NYSE: <a href="https://www.google.com/finance?q=Goldman+Sachs&amp;ei=vtgtWKCWA8_BeuzHp8gG">GS</a>] and UnitedHealth Group [NYSE: <a href="https://www.google.com/finance?q=NYSE%3AUNH&amp;ei=1tktWJCsNYHweNWzqJgB">UNH</a>] contributing the most gains. Before the election, however, GoBankingRates predicted a few stocks poised to grow, including Applied Materials [NASDAQ: <a href="https://www.google.com/finance?q=AMAT&amp;ei=QdotWLHgLtSne9LWh4gB">AMAT</a>], Edwards Lifesciences [NYSE: <a href="https://www.google.com/finance?q=EW&amp;ei=YdotWInxEdSne9LWh4gB">EW</a>], ARRIS [NASDAQ: <a href="https://www.google.com/finance?q=ARRS&amp;ei=hNotWIiyJtSIe-KahcAH">ARRS</a>], Lam Research [NASDAQ: <a href="https://www.google.com/finance?q=LRCX&amp;ei=qNotWJGJF52ge_O4gpAP">LRCX</a>], and Northrop Grumman [NYSE: <a href="https://www.google.com/finance?q=NOC&amp;ei=0totWNmyK9-Se6q3nOAD">NOC</a>]. These stocks represent a wide range of industries &mdash; from entertainment and communication technology (ARRS) to aerospace and defense tech (NOC) &mdash; none of which are tied to the holidays outright. It's sometimes wise to look beyond the obvious.</p> <h2>The General Consensus</h2> <p>Invest in seasonal or holiday-driven companies to make the most out of this time of year. Get in and get out.</p> <p>&quot;Chances are if you're spending more than usual during the holidays, so is everyone else,&quot; says financial expert Dustin Jacobs, VP for marketing at BrightStar Credit Union. &quot;Use this to your advantage by buying stocks in companies that are most profitable during the time between Thanksgiving and New Year's like airlines including JetBlue, retailers like Target and Amazon, and transportation companies such as UPS and FedEx. Do it before the 'January Effect' kicks in and you'll be ready to ring in the New Year with a champagne toast to a temporary bull market.&quot;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-stocks-to-buy-before-black-friday">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-expensive-stocks-that-are-totally-worth-it">7 Expensive Stocks That Are Totally Worth It</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-invest-like-a-pro-no-financial-adviser-required">5 Ways to Invest Like a Pro — No Financial Adviser Required</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-stocks-your-kids-would-love-to-own">5 Stocks Your Kids Would Love to Own</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-smarter-investments-by-mastering-this-simple-ratio">Make Smarter Investments by Mastering This Simple Ratio</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/learn-how-to-invest-with-these-5-stock-market-games">Learn How to Invest With These 5 Stock Market Games</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Amazon big 5 sporting goods black friday bull market eBay holiday season priceline stock market UPS Fri, 18 Nov 2016 10:00:07 +0000 Mikey Rox 1835350 at http://www.wisebread.com 7 Expensive Stocks That Are Totally Worth It http://www.wisebread.com/7-expensive-stocks-that-are-totally-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-expensive-stocks-that-are-totally-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_84113845_MEDIUM.jpg" alt="these expensive stocks are worth the cost" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So, you want to buy shares of stock from a familiar company, but are surprised to realize that shares are selling for hundreds, perhaps thousands, of dollars. As it turns out, some of the priciest stocks may also turn out to have the best value in the long run.</p> <p>High prices may be intimidating, but there's no need to fear them. Let's take a look at some of the most expensive stocks, and outline why they may still be worth buying.</p> <h2>1. Alphabet [NASDAQ: <a href="http://www.nasdaq.com/symbol/googl">GOOGL</a>]</h2> <p>Just one share of the company formerly known as Google will set you back more than $800. But don't look away from a company that has seen shares rise 16% in the last year, and now rivals Apple for the largest company on Earth. Alphabet's price-to-earnings ratio is 30, which is on the high side, but not outlandish for a company with strong revenue growth.</p> <h2>2. Priceline [NASDAQ: <a href="http://www.nasdaq.com/symbol/pcln">PCLN</a>]</h2> <p>Years ago, Priceline shares underwent a reverse split in order to avoid being delisted from the New York Stock Exchange. Now, shares are nearly $1,500 a pop. The popular travel booking company also owns Booking.com and Kayak, among others. Shares are up 12% this year, with analysts indicating the price could top $1,700 a piece.</p> <h2>3. NVR [NYSE: <a href="https://finance.yahoo.com/q?s=NVR">NVR</a>]</h2> <p>At more than $1,500 a share, this homebuilder has one of the highest stock prices around. But shares are actually down about 10% just in the last three months, so a rebound may be in order. The consensus from analysts is that NVR could trade closer to $1,700 by year's end.</p> <h2>4. Amazon [NASDAQ: <a href="http://www.nasdaq.com/symbol/amzn">AMZN</a>]</h2> <p>The world's leading online retailer consistently gets called out for its small profits, and is often deemed overpriced by analysts who look at its eye-popping price-to-earning ratios. But these proclamations have historically been followed by significant run-ups in share price. At more than $800, a share of Amazon isn't cheap. But would you bet against Amazon entering the holiday shopping season?</p> <h2>5. Berkshire-Hathaway [NYSE: <a href="http://www.google.com/finance?cid=4376">BRK</a>]</h2> <p>Do you have $210,000 laying around that you'd like to invest? That's what a <em>single </em>one of Berkshire's Class A shares will cost you. Class B shares are available for mere mortals like us for a mere $144. Is Berkshire too expensive? Buffett has missed some bets over the years, but shares are up about 9% this year, and have averaged a more than 11% annual gain in the last decade.</p> <h2>6. Apple [NASDAQ: <a href="http://www.nasdaq.com/symbol/aapl">APPL</a>]</h2> <p>At more than $117 a share, Apple isn't cheap. And many observers do wonder about the company's path in the post-Steve Jobs era. But this is still the company that makes the most popular smartphone in the world, and no company has a larger market capitalization.</p> <h2>7. Chipotle [NYSE: <a href="https://finance.yahoo.com/quote/CMG?p=CMG">CMG</a>]</h2> <p>There has been a lot of negative press around Chipotle after e-coli and norovirus outbreaks that sickened hundreds of people. The news sent share prices reeling, but but the company is working its way back. The company is trading at about $395 per share, a relative bargain compared to a year ago, when shares were well above $700. USA Today reported in September that there was &quot;still plenty of upside left in the stock.&quot; Assuming the company has a handle on its food safety issues, there may be a profit opportunity with Chipotle.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/7-expensive-stocks-that-are-totally-worth-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-stocks-to-buy-before-black-friday">6 Stocks to Buy Before Black Friday</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-stocks-every-recent-grad-should-own">10 Stocks Every Recent Grad Should Own</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-warren-buffett-says-you-should-invest-in-index-funds">Why Warren Buffett Says You Should Invest in Index Funds</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-surprising-truth-of-investing-mediocre-advice-is-best">The Surprising Truth of Investing: Mediocre Advice Is Best</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-3-rules-every-mediocre-investor-must-know">The 3 Rules Every Mediocre Investor Must Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Amazon apple Berkshire Hathaway chipotle expensive stocks Google priceline profit returns shares value Mon, 24 Oct 2016 10:00:10 +0000 Tim Lemke 1818053 at http://www.wisebread.com 10 Companies With the Highest Paid Interns http://www.wisebread.com/10-companies-with-the-highest-paid-interns <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-companies-with-the-highest-paid-interns" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/millennials_interns_office_65754805.jpg" alt="Companies with the highest paid interns" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Tell people you're an intern, and most will assume you're either working for free, or barely scraping by. After all, interning is about <a href="http://www.wisebread.com/9-careers-you-dont-need-a-ton-of-experience-to-start">gaining experience</a>, and that in itself is valuable to the future employee. But tech giants and financial powerhouses are willing to pay big bucks to get the most talented interns. Here are 10 companies that offer some of the highest intern salaries in the U.S. today.</p> <h2>1. Facebook</h2> <p>Currently worth over $350 billion dollars (and expected to one day be <a href="http://money.cnn.com/2016/04/28/investing/facebook-trillion-dollar-market-value/">worth $1 trillion</a>), Facebook has the money to pay interns well. Glassdoor reports that a Ph.D. software engineer intern can expect to earn around $9,000/month, with a regular software engineer averaging $8,467/month. If you're curious, that equates to over $100,000 per year&hellip; for an internship!</p> <p>Even on the lower end of the spectrum, an analyst intern can make $3,000&ndash;$4,000/month, which is still way more than minimum wage. When you consider most interns are still living at home with their parents, it's not a bad gig at all.</p> <p><strong>Potential Earnings</strong>: Up to $9,000 per month</p> <h2>2. Amazon</h2> <p>If you have worked hard enough to earn your MBA, Amazon is a good place for you to get your internship. Glassdoor data shows that an Amazon Summer MBA intern earns $9,053 per month, which equates to over $108,000 per year. Just behind, at $8,934/month, is the product manager intern. And if you look at the list of <a href="https://www.glassdoor.com/Intern-Salary/Amazon-com-Internship-Salary-E6036.htm?sort.sortType=BP&amp;sort.ascending=false">internship positions and salaries at Glassdoor</a>, you can see that overall, being an intern at Amazon is very lucrative &mdash; with dozens of positions reporting between $8,000&ndash;$9,000 per month. Considering how massive Amazon is, and how it continues to dominate the way we spend money and consume entertainment, it's clear that the company is investing heavily in talent now to continue this success.</p> <p><strong>Potential Earnings</strong>: $9,053 per month</p> <h2>3. Google</h2> <p>If you're seeing a trend in the high paying tech internships, you're not mistaken. Tech companies are looking for good software engineers, and they're ready to pay big bucks for them. A software engineer intern at Google can expect to earn over $7,000 per month, with some internship positions coming in at $113,000 per year! Of course, you need to be very savvy in the tech industry's most wanted positions; this is not something you can land straight out of college with a sociology degree. But for those with the right skills, the money is there at Google. And it is also <a href="http://saleshq.monster.com/careers/articles/1012-top-perks-working-at-google">famous for treating its employees very, very well</a>.</p> <p><strong>Potential Earnings</strong>: $7,152 per month</p> <h2>4. Citigroup</h2> <p>According to Glassdoor, the top paid interns at Citigroup are earning up to $116,000 per year, which is equates to $9,667/month. If you're wondering what kind of work that entails, these two words should sum it up nicely &mdash; Wall Street. At Citigroup, money is everything, and everything is about making money. Interns who are seeking roles in investment banking, private equity, hedge funds, and asset management, are richly rewarded for their efforts. At the lower end of the spectrum, summer analyst interns can make anything from $17 an hour, all the way up to $25 an hour, which is still nothing to be sniffed at.</p> <p><strong>Potential Earnings</strong>: $9,667 per month</p> <h2>5. Snapchat</h2> <p>It's an app that is dominating the social media world, and the company behind it is making news for its internship programs. As hard to believe as it is, Snapchat not only pays interns up to $10K a month, but it adds an additional $1,500 per month for housing expenses! As that is usually the biggest expense any of us have to pay, the interns at Snapchat have the bulk of that $120,000 annual salary to spend on pretty much whatever they want. If this is making you think about re-evaluating your career choices, you're not alone.</p> <p><strong>Potential Earnings</strong>: $10,000 per month (Plus $1,500/month for housing)</p> <h2>6. Two Sigma</h2> <p>If you haven't heard of Two Sigma, you will soon. And the reason they top the list of intern salaries, by quite a margin if you include the monthly housing reimbursement (and additional $5,000 relocation expenses), is that they are at the intersection of technology and finance. Two Sigma is an investment management firm that uses science and technology to make people some serious money. What's more, <a href="https://careers.twosigma.com/">they're currently hiring for over 80 positions</a> at the their offices in New York, Houston, London, and Tokyo. If you're in the business of software engineering or trading, you may want to hit them up.</p> <p><strong>Potential Earnings</strong>: $10,400 per month (Plus $5,000 per month for housing)</p> <h2>7. Pinterest</h2> <p>Coming in at more than Facebook and Google, Pinterest is offering a combined $11,040 per month ($132,480 a year) to interns who have a talent for, you've guessed it, software engineering. Described as a &quot;catalog of ideas&quot; by CEO Ben Silbermann, Pinterest was started in 2010 and is relatively new to be a giant in the app scene. Certainly, it's not as ubiquitous as Facebook, Google, and Twitter, and yet it is forking over more than all of them to acquire top intern candidates. And as it is located in both New York and California, that $3,000 a month to help with housing is definitely a huge plus.</p> <p><strong>Potential Earnings</strong>: $8,040 per month (Plus $3,000 per month for housing)</p> <h2>8. Palantir</h2> <p>The intern position of forward deployed engineer pays a hefty $8,172 per month at Palantir; and if you know what that position actually does, you're already way ahead of most of us. Another tech firm that values software engineers, Palantir has been rewarding its interns with big salaries for many years now. Founded in 2004, this software firm specializes in big data analysis, and originally had a client list comprising of federal agencies of the U.S. Government. In 2014, Forbes maintained that Palantir was &quot;among Silicon Valley's most valuable private technology companies.&quot; It is headquartered in Palo Alto, CA.</p> <p><strong>Potential Earnings</strong>: $8,172 per month</p> <h2>9. Quora</h2> <p>Not unlike Google, Quora is a search engine that delivers results based on the questions you ask. And as it's a tech firm, you know by now what the highest paid interns there are doing: software engineering. A typical intern in this position at Quora can expect upward of $8,000 per month, but there are also positions in product design, data science, and product management. The company appears to have an excellent culture, too, with great employee feedback and solid growth.</p> <p><strong>Potential Earnings</strong>: $8,086 per month</p> <h2>10. Groupon</h2> <p>Famous for giving people great deals on everything from window tinting to adventure holidays, Groupon is an app most of us have on our phones. After all, who doesn't like saving money? But when it comes to interns, Groupon is ready to splash it around, paying $8,000 per month to software engineers, and upward of $7,000 per month to product managers. On the lower end of the scale, business analyst interns can get around $3,000 per month. Full-time employees of Groupon reportedly get unlimited vacation time, although taking months off at a time would probably not serve you well.</p> <p><strong>Potential Earnings</strong>: $8,000 per month</p> <p><em>Salary data found on </em><a href="https://www.glassdoor.com/index.htm"><em>Glassdoor</em></a><em>.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-companies-with-the-highest-paid-interns">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/finding-an-internship-as-an-adult">Finding an Internship as an Adult</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-stocks-every-recent-grad-should-own">10 Stocks Every Recent Grad Should Own</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay">Pay with a Selfie: How Safe Are the New Ways to Pay?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Amazon companies Facebook Google interns internships pinterest snapchat startups Wed, 28 Sep 2016 10:00:09 +0000 Paul Michael 1800746 at http://www.wisebread.com 6 Strange Ways Online Shopping Has Changed the World http://www.wisebread.com/6-strange-ways-online-shopping-has-changed-the-world <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-strange-ways-online-shopping-has-changed-the-world" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_online_36991010.jpg" alt="Woman learning strange ways online shopping changed the world" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you prefer online shopping to in-store purchases, you're not alone. According to Business Insider, about&nbsp;<a href="http://www.businessinsider.com/the-surprising-demographics-of-who-shops-online-and-on-mobile-2014-6">78% of the U.S. population age 15 and older</a> fancies themselves a few clicks and a quick checkout when buying something new. While that's all well and good &mdash; and incredibly convenient &mdash; this new American pastime does have its downsides. Check out a few of these strange ways online shopping has changed the world &mdash; not necessarily for the better. (See also: <a href="http://www.wisebread.com/8-ways-retailers-use-big-data-to-track-you">8 Ways Retailers Use Big Data to Track You</a>)</p> <h2>1. Consumer Reviews Can Make or Break a Product</h2> <p>Before online shopping became commonplace, consumers had few ways to learn about the pros and cons of a product. They could rely on word-of-mouth if someone they knew had purchased the same item, or they could listen to what the media said about it, perhaps on consumer-related nightly news piece or in magazines, like <em>Good Housekeeping</em>. Because information on how well &mdash; or not well &mdash; a product worked was sparse, consumer unhappiness was limited. Retailers were relatively safe from gaining a poor reputation unless its products were outright duds that caught attention en masse. But that all changed with online shopping, which gave consumers the voice they had been looking for. Today, reviews of a product are trusted more than personal recommendations, according to research. In fact, a whopping&nbsp;<a href="https://www.brightlocal.com/learn/local-consumer-review-survey/">92% of consumers trust online reviews</a> as much as they would a friend or family member, or perhaps even more.</p> <h2>2. There Are No True Holidays Anymore</h2> <p>Remember when we were kids and holidays like Thanksgiving and Christmas meant that virtually no retail stores would be open? We'd drive through town on the way to our relatives' house for supper and there was nary a car in any of the stores' parking lots. That's all changed thanks to online shopping, much to many people's dismay. Each year, it seems, Black Friday hours are pushed earlier and earlier, creeping into Thanksgiving, with some stores opening on Thanksgiving Day even. Last year, Kmart said to hell with the entire holiday and opened at 6 a.m. the fourth Thursday of November, the earliest among major retailers. It was beat out by one other chain, however, though not a competitor: Victoria's Secret opened its doors from 12 a.m. to 12 a.m. Thanksgiving Day (a full 24 hours!), because, ya know, who isn't in the mood for sexy lingerie after stuffing themselves silly with turkey and mashed potatoes?</p> <h2>3. Shopping Malls Are Becoming Ruins</h2> <p>Shopping malls were huge in the 1980s and '90s, so much so that they defined an entire generation. But by the 2000s, attendance at malls around the country started to dwindle. Many factors have contributed to the decline (not the least of which was that&nbsp;<a href="http://www.salon.com/2013/10/26/why_so_much_violence_happens_at_the_mall_partner/">they had become locales of violence</a>), including the rise of online shopping. Bustling hubs of commerce and social activity that once stood proud are now in ruin, relics of the past that serve as a stark reminder that American life isn't what it used to be.</p> <p>&quot;Dozens of malls have shuttered since 2010, with hundreds more on the brink,&quot; says Benjamin Glaser, features editor with&nbsp;<a href="http://www.dealnews.com">DealNews</a>. The few shopping centers that have been built in the last decade usually aren't traditional, enclosed malls, but larger complexes with a wider dining and entertainment options, and often open-air areas. To compete with online shopping, brick-and-mortar retailers are trying to create experiences.</p> <p>This fate doesn't paint a pretty picture of what was left in the wake of the downturn or for current mall owners. Those that have already heard its final cash register cha-ching now&nbsp;<a href="https://www.buzzfeed.com/mjs538/completely-surreal-pictures-of-americas-abandoned-malls?utm_term=.vmGR1doAG#.dq8X0xRoy">look like sets for <em>The Walking Dead</em></a>, and those that still exist are being&nbsp;<a href="http://www.bloomberg.com/news/articles/2016-06-16/day-of-reckoning-comes-for-u-s-shopping-malls-laden-with-debt">murdered by debt</a>.</p> <h2>4. Dog Bites Have Increased</h2> <p>Family dogs and mail carriers have had a rocky relationship for decades, but recently our friendly canines have been acting out in droves &mdash; all because that pesky USPS employee is stopping by more often with your online packages.</p> <p>According to <em>AdAge</em>,&nbsp;<a href="http://adage.com/article/digital/online-shopping-causing-a-rise-dog-attacks/305366/">dog bites were up 14% last year</a>, reaching a total of 6,549 incidents. The most attacks were in Houston, which had 77, while San Diego and Cleveland clocked in at 58 each.</p> <h2>5. Identity Theft Is Out of Control</h2> <p>Before online shopping became everybody's go-to method of buying everything from clothing to groceries, it was difficult for an identity thief to target a large amount of data. Sure, your credit card could be stolen by a single thief and charged up until the bank caught wind of suspicious activity, but the consequences pale in comparison to a million-accounts data breach that could throw your entire life out of whack.&nbsp;<a href="http://www.usatoday.com/story/money/personalfinance/2013/04/14/identity-theft-growing/2082179/"><em>USA Today</em> reports that credit-card data theft has increased 50%</a> from 2005 to 2010, according to the U.S. Department of Justice. Likewise, because your credit card numbers can be worth hundreds of dollar a piece to resellers &mdash; the number of malicious programs written to steal your information has grown from about 1 million in 2007 to an estimated 130 million today. So basically, no one is safe, and you should take even more precautions &mdash; like not storing your credit cards with retailers online &mdash; to avoid becoming a victim.</p> <h2>6. Some Online Orders Are Now Being Delivered by Drones</h2> <p>Future moving too fast for you? Then you won't be elated to hear the news that drones may start arriving at your home or office to deliver your online shopping orders. Yep, flying robots are entering the friendly skies all over the world, and they could be landing in your front yard soon if Amazon has its way. Its PrimeAir program is gearing up for its first consumer flights that promise to deliver packages in 30 minutes or less.&nbsp;<a href="http://www.wsj.com/video/china-mail-drone-makes-first-delivery/A3EA877F-AF8E-4E43-AF27-BFE5EF8F15C5.html">China</a> and Australia have already implemented similar services, which has its benefits, especially to those in hard-to-reach rural areas, or for medical purposes, but we can all probably agree that&nbsp;<a href="https://www.pddnet.com/news/2016/09/chipotle-drone-delivery-pilot-program-runs-virginia-tech">nobody needs their piping-hot burrito dropped from the sky</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-strange-ways-online-shopping-has-changed-the-world">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-secrets-of-amazons-pricing-strategy-will-help-you-find-the-best-buys">These Secrets of Amazon&#039;s Pricing Strategy Will Help You Find the Best Buys</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-little-known-amazon-shopping-hacks">5 Little Known Amazon Shopping Hacks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-surprising-things-you-can-have-delivered">12 Surprising Things You Can Have Delivered</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/filler-strategies-for-amazon-s-free-super-saver-shipping">Filler Strategies for Amazon’s Free Super Saver Shipping</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping Amazon delivery online shopping shipping shoppers shopping shopping habits Tue, 27 Sep 2016 10:30:06 +0000 Mikey Rox 1800743 at http://www.wisebread.com Flashback Friday: 49 Smartest Amazon Hacks That Will Save You Big http://www.wisebread.com/flashback-friday-49-smartest-amazon-hacks-that-will-save-you-big <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-49-smartest-amazon-hacks-that-will-save-you-big" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_tablet_61297790.jpg" alt="Woman using smartest Amazon hacks that will save her big" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>According to recent data, <a href="http://www.statista.com/statistics/266282/annual-net-revenue-of-amazoncom/">Amazon's net revenue for 2015</a> was over $100 billion in the U.S. alone. And I'm only responsible for half of that.</p> <p>It's an online retail powerhouse for a reason. It offers convenient shipping options, low prices, and a selection of virtually everything you've ever wanted to buy. But as a regular Amazon shopper, it's important to know some tricks on how to save even more on every purchase.</p> <p>Here are the 49 smartest Amazon hacks we've ever shared.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_thinking_000059983456.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/these-secrets-of-amazons-pricing-strategy-will-help-you-find-the-best-buys?ref=fbf">These Secrets of Amazon's Pricing Strategy Will Help You Find the Best Buys</a> &mdash; It's easy to believe that Amazon wants their customers to always get the best deals because they treat us so well! But it's a business like any other, so they're out to make money. Knowing their pricing strategy will make you a much smarter shopper though, and will enable you to track down all the best deals.</p> <p><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know?ref=fbf">16 Amazon Deal Hacks You May Not Already Know</a> &mdash; You might be a proud Prime member, but are you getting the most out of Amazon's services? You can score free books, get free delivery on groceries with a trial membership to Prime Pantry, and so much more!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kitten_food_000019035736.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-things-you-should-always-order-on-amazon?ref=fbf">10 Things You Should Always Order on Amazon</a> &mdash; Sometimes it'll be hard for Amazon's low prices to beat those at Target and Wal-Mart, but pet food and diapers are just two of the items that Amazon will always have better prices on.</p> <p><a href="http://www.wisebread.com/7-ways-to-make-amazon-pay-you?ref=fbf">7 Ways to Make Amazon Pay YOU!</a> &mdash; You might be spending lots of money as an Amazon shopper, but with these brilliant tricks, you can actually make Amazon pay you. And there are few things greater than <em>getting</em> money from your favorite retailer.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_finding_online_deals_000067130921.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-little-known-amazon-shopping-hacks?ref=fbf">5 Little Known Amazon Shopping Hacks</a> &mdash; Amazon's customer service might be the best around, because they are constantly trying to keep their customers happy. If you need an item to be replaced, or would like a free prime extension, it's worth it just to ask.</p> <p><a href="http://www.wisebread.com/7-amazon-prime-perks-youve-forgotten-to-use?ref=fbf">7 Amazon Prime Perks You've Forgotten to Use</a> &mdash; Free two-day shipping isn't the only benefit Prime members get to enjoy. So get the most of that annual membership fee and try out their unlimited data storage, early access deals, free video streaming, and more!</p> <p><em>What are some other Amazon shopping hacks? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-49-smartest-amazon-hacks-that-will-save-you-big">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-44-sneaky-shopping-traps-to-avoid">Flashback Friday: 44 Sneaky Shopping Traps to Avoid</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-47-best-back-to-school-shopping-hacks-ever">Flashback Friday: 47 Best Back-to-School Shopping Hacks Ever</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-160-gift-ideas-for-everyone-you-know">Flashback Friday: 160 Gift Ideas for Everyone You Know</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-30-brilliant-ways-to-survive-black-friday-madness">Flashback Friday: 30 Brilliant Ways to Survive Black Friday Madness</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-use-google-alerts-to-save-money">6 Ways to Use Google Alerts to Save Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping Amazon amazon pantry amazon prime fbf flashback friday frugal living saving money shopping Fri, 26 Aug 2016 10:00:07 +0000 Chrissa Hardy 1779932 at http://www.wisebread.com Should You Borrow Student Loan Money From Amazon Prime? http://www.wisebread.com/should-you-borrow-student-loan-money-from-amazon-prime <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/should-you-borrow-student-loan-money-from-amazon-prime" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_thinking_pencil_86188509.jpg" alt="Woman borrowing student loan money from Amazon Prime" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Amazon Prime has several money-saving benefits for students, including discounted student memberships and textbook rentals. Now, Amazon Prime is offering discounted student loans to its list of perks.</p> <p>Hold up &mdash; Amazon is selling student loans right alongside a <a href="http://amzn.to/2b3wvM0">yodeling pickle</a> and&nbsp;<a href="http://amzn.to/2bzCWDg">unicorn meat</a>? Is that even legal?</p> <p>Amazon is not the actual lender of these loans. Instead, Amazon is partnering with Wells&nbsp;<a href="https://welcome.wf.com/amazonstudent/">Fargo</a> to offer Student Prime members loans at a discounted rate of 0.5%.</p> <p>See also: <a href="http://www.wisebread.com/7-amazon-prime-perks-youve-forgotten-to-use?ref=seealso">7 Amazon Prime Perks You've Forgotten to Use</a></p> <h2>Is There a Catch?</h2> <p>Both Amazon and Wells Fargo are for-profit businesses that are continually looking for creative strategies to increase profits. It was a smart move for both companies, since Amazon will be able to use this perk to increase student prime membership to $49 a year, while also gaining free media coverage. Wells Fargo also benefits from being connected to the largest e-commerce business and its loyal customers.</p> <p>The partnership will allow the bank to have better access to student consumers who can be targeted for many banking products. Overall, it is a win-win partnership for both companies, but will these loans actually benefit borrowers?</p> <h2>Are Student Loans Through Amazon a Good Deal?</h2> <p>Don't get too distracted by the discount Amazon is offering. The loan is still a private student loan through Wells Fargo. Private loans are not eligible for debt forgiveness programs like many federal loans, and sometimes federal loans even have better rates.</p> <p>Private student loans shouldn't be your first choice when seeking to finance a college education. Students should exercise all of their options before driving into debt, including the following:</p> <ul> <li>Federal aid through FAFSA;</li> <li>Scholarships;</li> <li>Grants;</li> <li>Accomplishing the first two years of their degree at a community college;</li> <li>Choosing a state university rather than a private university;</li> <li>Work-study programs;</li> <li>Employment tuition reimbursement programs;</li> <li>Paid internships.</li> </ul> <p>After all of these options are exhausted, then it is best to apply for federal student loans, which have more flexible payment options after graduation. Of course, federal loans have limits on how much a student can borrow, which is why many students turn to private loans.</p> <h2>The Problem With Amazon's Student Loans</h2> <p>Don't be blinded by a discounted interest rate. The 0.5% discount is subtracted from Wells Fargo's usual rates, which are not the lowest among private lenders.</p> <p>Many credit unions will offer discounted rates for being members and enrolling into autoplay, so if private loans are something you are considering, shop around before settling for the Wells Fargo loan.</p> <p>See also: <a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know?ref=seealso">16 Amazon Deal Hacks You May Not Already Know</a></p> <h2>What You Need to Know About Private Student Loans</h2> <p>After graduation, many uncontrollable issues can come up. For example, graduates can struggle getting a job, make less than they expect, or even have a period of illness or disability that does not make work possible. Graduates with federal loans are granted forbearance or deferment. Federal loans can also be eligible for income-based repayment plans to make the monthly payments affordable for each borrower.</p> <p>Many private lenders have forbearance programs in place for cases of unemployment or disability, but acceptance to the program is dependent on the lender. Also, most private lenders will limit the duration of forbearance for unemployment and some might even charge forbearance &quot;fees.&quot; And income-based repayment programs are limited to federal loans.</p> <p>Is foregoing these benefits a risk you're willing to take?</p> <p>UPDATE (September 02, 2016)</p> <p>Just six weeks after announcing their partnership, Amazon and Wells Fargo have ended their private student loan program. Although specific reasons were not given, the end of the partnership was announced shortly after Wells Fargo revealed it had agreed <a href="http://www.wsj.com/articles/wells-fargo-to-pay-4-million-to-settle-student-loan-servicing-probe-1471899134">to pay a $4 million penalty</a> to the Consumer Financial Protection Bureau in response to allegations of illegal student loan servicing practices.</p> <p>For more information about private student loans and how to find the best financing for your college degree, please see the following helpful articles:</p> <ul> <li><a href="http://www.wisebread.com/6-things-every-college-student-must-know-about-private-student-loans?ref=internal">6 Things Every College Student Must Know About Private Student Loans</a></li> <li><a href="http://www.wisebread.com/3-things-you-must-know-about-repaying-your-private-student-loans?ref=internal">3 Things You Must Know About Repaying Your Private Student Loans</a></li> <li><a href="http://www.wisebread.com/3-private-lenders-that-can-really-save-you-money-on-your-student-loans?ref=internal">3 Private Lenders That Can Really Save You Money on Your Student Loans</a></li> </ul> <p><em>What do you think of Amazon and Wells Fargo's partnership to offer discounted student loans?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/should-you-borrow-student-loan-money-from-amazon-prime">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-every-parent-should-know-about-the-new-college-financial-aid-rules">What Every Parent Should Know About the New College Financial Aid Rules</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/css-is-one-source-of-college-financial-aid-you-cant-afford-to-overlook">CSS Is One Source of College Financial Aid You Can&#039;t Afford to Overlook</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-financial-aid-might-not-cover">6 Things Financial Aid Might Not Cover</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-unique-ways-millennials-are-dealing-with-student-loan-debt">7 Unique Ways Millennials Are Dealing With Student Loan Debt</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts">8 Ways College Students Can Save Money Before Class Starts</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Education & Training Amazon amazon prime college private loans student loans students Wells Fargo Wed, 24 Aug 2016 10:00:08 +0000 Ashley Eneriz 1777930 at http://www.wisebread.com How You Can Earn $18 to $25 an Hour With Amazon Flex http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-you-can-earn-18-to-25-an-hour-with-amazon-flex" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_89271679_MEDIUM.jpg" alt="make money delivering for amazon flex" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have ever wondered how your Amazon orders magically appear so fast, you have the workers behind Amazon Flex to thank. And if you're looking for extra income, or are thinking about making a jump into the <a href="http://www.wisebread.com/can-you-really-make-a-living-in-the-gig-economy">gig economy</a>, Amazon Flex can be a great side hustle. Paying $18-25 an hour, it's an excellent way to make money on your own schedule.</p> <h2>What Is Amazon Flex?</h2> <p>For Amazon Prime Now deliveries, the giant online retailer hires independent contractors to make deliveries. It's more cost-efficient for them than using major delivery companies like UPS, and allows them to guarantee delivery within just an hour or two.</p> <p>Amazon Flex is only available in certain markets right now, including Arlington (VA), Atlanta, Austin, Baltimore, Cincinnati, Columbus, Dallas/Fort Worth, Houston, Indianapolis, Las Vegas, Miami, Milwaukee, Minneapolis/St. Paul, Nashville, New York, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Raleigh, Richmond, Rockville (MD), San Antonio, Seattle, Springfield (VA), Tampa Bay, and Virginia Beach. However, Prime Now is growing in demand, so it's likely that Amazon will expand its services to new regions soon.</p> <p>Amazon Flex drivers earn between $18 and $25 an hour, based on their per-delivery payment and on tips from customers. Drivers can pick up delivery blocks on the days they want to work, and they can schedule their availability for the future.</p> <p>As a driver, you pick up items at the Amazon distribution center and deliver them directly to people's homes. Items can range from a blow dryer at 10:00 p.m. to a bag of dog food in the morning.</p> <h2>How Do I Become a Driver?</h2> <p>To become an Amazon Flex driver, you need an Amazon account. Then <a href="https://flex.amazon.com/">visit the Flex website</a> and submit your information. If you're located in a participating city, you will get an email with a webinar link. The webinar will teach you how the program works and how to use the Flex app. After the webinar, you will be asked to submit your driver's license number and car details; a clean driving record and background check is required. Once you've completed this process, you're ready to start working. You can set up your availability and start picking up orders right away.</p> <h2>What Does a Regular Day Look Like?</h2> <p>When you show up to the distribution center, you will wait in a designated area for Amazon Flex drivers. An employee will call your name and give you the orders. Sometimes you will have just one package, and other days you will be handed several. Like Uber or Lyft, you use your <a href="http://www.wisebread.com/8-ways-your-smartphone-saves-you-money">smartphone</a> to track orders and customer locations.</p> <p>Each package will have special instructions, such as &quot;deliver only if someone is home&quot; or &quot;check customer ID&quot; &mdash; especially for liquor deliveries &mdash; and more. If you have any issues, Amazon does offer support to their drivers to help you navigate the process and any situations that arise. Once you are finished, you can head back and get back in line for more deliveries.</p> <h2>Benefits of Amazon Flex</h2> <p>With Amazon Flex, $18 an hour is the minimum pay rate; you are guaranteed that amount as long as you work. Additionally, customers can give tips online up to 48 hours after delivery and you receive 100% of the tipped amount.</p> <h2>Downsides of Amazon Flex</h2> <p>While the pay is excellent and the job is low-pressure, Amazon does not guarantee a minimum of hours. While one week you may be able to do 20 hours of deliveries, the next you may not get any. It can be a convenient way to make a decent side income, but it is not reliable enough to be a steady source of money.</p> <p>Amazon Flex is another entry into the gig economy that allows you to use an app and pick up jobs when you have the time. An excellent supplement to your day job, you can take on orders and earn a good hourly wage when you have free time.</p> <p><em>Would you consider working for Amazon Flex? Why or why not? Share with us!</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-you-can-earn-18-to-25-an-hour-with-amazon-flex&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%20You%20Can%20Earn%20%2418%20to%20%2425%20an%20Hour%20With%20Amazon%20Flex.jpg&amp;description=How%20You%20Can%20Earn%20%2418%20to%20%2425%20an%20Hour%20With%20Amazon%20Flex" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20You%20Can%20Earn%20%2418%20to%20%2425%20an%20Hour%20With%20Amazon%20Flex.jpg" alt="How You Can Earn $18 to $25 an Hour With Amazon Flex" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-make-a-living-in-the-gig-economy">Can You Really Make a Living in the Gig Economy?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-more-money-as-an-uber-driver">How to Get a High Rating and Make More Money as an Uber Driver</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">5 Unexpected Side Benefits of Your Side Hustle</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-must-know-about-money-before-you-take-a-side-job">10 Money Moves You Need to Make Before You Take a Side Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Amazon Amazon Flex contractor gig economy part-time job side gig side hustle side job Wed, 17 Aug 2016 09:31:16 +0000 Kat Tretina 1773890 at http://www.wisebread.com 10 Stores With the Best Price Matching http://www.wisebread.com/10-stores-with-the-best-price-matching <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-stores-with-the-best-price-matching" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_selfie_88753237.jpg" alt="Woman shopping stories with the best price matching" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In an effort to prevent <em>showrooming</em>, when shoppers browse products in-store only to buy them online for less, retailer price match policies have become much more prevalent in recent years. After all, once a store has you in their doors, many are willing to match the competition's price to keep you from ordering elsewhere via your mobile device. It's simply a smart business move. But like any retailer's policy, some are simply better for shoppers than others. Here are the nine best retail price match policies that you should take advantage of every chance you get.</p> <h2>1. Best Buy</h2> <p>The <a href="http://www.bestbuy.com/site/clp/price-match-guarantee/pcmcat290300050002.c?id=pcmcat290300050002">Best Buy price match guarantee</a> is a strong one, because they'll match the price of both online and local brick-and-mortar competitors &mdash; a policy that many top retailers have yet to adopt. When shopping in-store, simply show evidence of the lower price to any &quot;Blue Shirt&quot; in the store. The best way is via your smartphone or an actual store ad. They'll then review the price and verify that the product is identical and currently available at the local competing store.</p> <p>To get an online price match from Best Buy, you'll need to call them directly at 1-800-BEST-BUY. Be prepared to direct the company rep to the ad or website that is showing a lower price. They'll then verify that the item is in-stock on the competing website and 100% identical. Top websites that they'll price match include Amazon.com, Bhphotovideo.com, Crutchfield.com, Dell.com, HP.com, Newegg.com, and TigerDirect.com.</p> <h2>2. Fry's Electronics</h2> <p><a href="http://www.frys.com/utm_src/page006.jsp?utm_source=lowpriceguarantee&amp;utm_medium=vanityurl&amp;utm_campaign=lowpriceguaranteeoffline">Fry's price match promise</a> also includes online and in-store pricing. While they don't specify which authorized stores they will price match, it's safe to assume that they'll match all the big players in your area. Just bring in evidence of the lower price on your smartphone and show it to any employee.</p> <p>While their in-store price match policy is straightforward, their online policy is a little less spectacular. For example, their site says they'll match all authorized Internet competitors on their &quot;delivered price&quot; only. This means they might not match Amazon Prime pricing, as they'll consider Amazon shipping charges into the order total. In other words, even if you would get free shipping from Amazon, Fry's will still factor in shipping charges when giving you an Amazon price match. In many cases, you might be better off ordering the item directly from Amazon and avoid the headache of dealing with Fry's online price match policy.</p> <h2>3. Home Depot</h2> <p>Home Depot stands behind their prices by <a href="http://www.homedepot.com/c/PM_New_Lower_Price">offering a low price guarantee</a> where they will actually beat a local competitor's price by an extra 10%. All you need to do is show evidence of the lower price in the form of an ad, printout, or photo. In most cases, the easiest way to do this will be with your smartphone. I like to get my price match at the customer service desk rather than at a checkout register, as some cashiers are really busy and it tends to hold up the line.</p> <p>As for an online price match, unfortunately they won't give you the extra 10% discount on top of the lower price. But they will happily match other verified websites that might have an item at a lower price. To get your online price match you'll need to call Home Depot directly at 1-800-HOME-DEPOT. The rep will independently verify the lower price and adjust your virtual shopping cart accordingly.</p> <h2>4. Lowe's</h2> <p>Similar to Home Depot, Lowe's will also <a href="http://www.lowes.com/cd_Everyday+Low+Prices_787241445_#Everyday%20Low%20Prices,%20Guaranteed">beat any competitor's price</a> by 10% as long as the item being sold is identical at both stores. While the Lowe's policy states that you must bring in the ad of the local competitor, I've had success simply showing the lower price on my smartphone. It's worth noting that Lowe's excludes competitor's closeout, special order, discontinued, clearance, and liquidation items from a price match. The rub here can be that many ads from competitors are clearance or closeout items making them ineligible for a price match. Just keep this in mind and be prepared to politely argue your case if need be. Also, as of this writing they do not offer an online price match on your Lowes.com purchase.</p> <h2>5. Staples</h2> <p>The folks at Staples have a <a href="http://www.staples.com/sbd/content/help-center/pricing-and-promotions.html#10003_7">very intriguing price match policy</a> that will actually beat the competing price by 10% through 9/17/16. For an in-store price match, they'll match <em>any </em>retailer &quot;who sells products in both retail stores and online under the same brand.&quot; This means that most small &quot;ma and pa shops&quot; will not be included unless they also have a website that sells merchandise. This is their way of making it easier to verify the lower price by keeping it limited to larger retailers.</p> <p>In terms of an online price match, they will match prices, but it has to be from a retailer with a brick and mortar location as well as an ecommerce website. The two exceptions to this rule are Amazon.com and Wayfair.com, as Staples will price match both of these &quot;online-only&quot; players. To get your online price match, you'll need to call Staples directly at 1-800-333-3330.</p> <h2>6. and 7. Office Depot/Max</h2> <p>The <a href="http://www.officedepot.com/renderStaticPage.do?file=/customerservice/lowPrice.jsp">Office Depot/Max price match policy</a> also offers a great way to save on office supplies and technology. Similar to Staples, they'll price match any retailer as long as the item is identical and the competing store sells the item both online and in-store. They also clearly spell out the methods you can use to get your price match and they include a &quot;printed advertisement, printed in-store signage, receipt of item purchased, picture of in-store signage, or online offer from mobile device.&quot;</p> <p>As for an online price match, they don't currently offer one. But if you're shopping in-store and you find that Amazon.com is selling the item for less, they'll match the price as long as it's sold directly by Amazon and not a 3rd party seller. According to their website, Amazon is the only online merchant that they'll currently price match.</p> <h2>8. Target</h2> <p>In my experience, one of the <a href="https://corporate.target.com/about/shopping-experience/shop-with-confidence">easier price match policies</a> to take advantage of is at Target. The team at your local Target customer service desk actually has an iPad dedicated to price-matching, making it a very quick and seamless experience for shoppers. Just show them evidence of the lower price on your mobile device, or via a local ad, and they'll verify the lower price and make sure the item is identical and in-stock at the competing store and get you your savings quickly. It should be noted that exclusions include clearance, closeout, liquidation sales, and refurbished products.</p> <p>For an online price match, Target has a long list of <a href="https://corporate.target.com/_media/TargetCorp/about/pdf/Price-Match-Online-Competitor-List.pdf">29 online competitors</a> that they'll match. Rest assured that the list includes all the big players like BestBuy.com, Amazon.com, Costco.com, Toys R Us.com, and Walmart.com. To request your online price match, you'll need to contact Target directly at 1-800-591-3869.</p> <h2>9. Toys R Us</h2> <p>Toys R Us has an excellent in-store <a href="http://www.toysrus.com/shop/index.jsp?categoryId=11949070">price match guarantee</a> that will help you get the lowest price on your future toy purchases. Not only will they price match all local competitors, but they'll also match 21 popular websites including Walmart.com, Target.com, and Amazon.com. It should be noted that when price-matching a competitor's website, they'll factor shipping charges into the total price of the item. To get your price match, simply show evidence of the lower price on your smartphone or via a print ad and a Toys R Us associate will take care of the rest. Items must be identical and they limit the price match to a maximum of two identical items per purchase. Unfortunately, they do not offer an online price match when shopping from their website.</p> <h2>10. Wal-Mart</h2> <p>The <a href="http://help.walmart.com/app/answers/detail/a_id/31/~/walmarts-price-matching-policy">Wal-Mart price match policy</a> is fairly straightforward and definitely worth taking advantage of. Wal-Mart will happily match the price on identical items sold by any local competitor or a <a href="http://corporate.walmart.com/policies#00000150-2910-d285-add2-fff8e8700000">select list of online retailers</a>. Exclusions include clearance items, specials buys, and value of the day items as well as holidays like Thanksgiving, Black Friday, and Cyber Monday. To get your in-store price match, just show the lower price on your smartphone when checking out. For an online price match, you can either visit <a href="http://www.walmart.com/cservice/cu_comments_online.gsp">Walmart.com customer care</a> or call them directly at 1-800-966-6546.</p> <p><em>Are you a price-matcher? Do you often forget to take advantage of these great policies?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/10-stores-with-the-best-price-matching">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-online-retailers-who-let-you-stack-coupons">9 Online Retailers Who Let You Stack Coupons</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/amazons-secret-30-day-price-guarantee">Amazon&#039;s secret 30-day price guarantee</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-best-back-to-school-sales">How to Find the Best Back to School Sales</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/special-holiday-return-policies-of-popular-stores">Special holiday return policies of popular stores</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Amazon best buy deals discounts guarantees price matching retail target Wal-Mart Thu, 11 Aug 2016 10:30:10 +0000 Kyle James 1769337 at http://www.wisebread.com How to Make Amazon Prime Day Actually Worth It This Year http://www.wisebread.com/how-to-make-amazon-prime-day-actually-worth-it-this-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-amazon-prime-day-actually-worth-it-this-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_57678276_MEDIUM.jpg" alt="making the most of amazon prime day" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Were you disappointed by Amazon's Prime Day last year? You're not alone. Even though the company sold 34.4 million items during its special promotion day, many shoppers felt that the deals were not that great.</p> <p>Amazon is bringing back Prime Day on July 12 with over 100,000 deals going live that day. While some deals will be worth buying, most of the deals are only bought because of consumer overspending. How do you know if you should participate in Amazon's shopping holiday? Here are some tips and strategies to save the most money on Prime Day, as well as how to avoid the compulsion to spend.</p> <h2>Make a List and Avoid Temptation</h2> <p>Before you look at any Prime Day deals, it is best to make a list. Is your vacuum on its last leg? Perhaps you need a kitchen-type gift for a bridal shower and your budget is $30. Your list will help you stay within your budget and only buy things you need or were planning to buy in the next three months.</p> <p>Amazon excels at creating hype around deals, making the average shopper feel that they need to buy something immediately so they don't miss out. During last year's Prime Day, Amazon sold 47,000 TVs, 28,000 Rubbermaid 42-piece food storage sets, and 24,000 pressure cookers. There is no way that 47,000 people needed a new TV. Instead, many people bought several items that they did not need, just like they would during&nbsp;<a href="http://www.wisebread.com/6-ways-to-score-a-black-friday-deal-without-leaving-home">Black Friday sales</a>.</p> <p>After you make your list, stick with it. When you get tempted by a sale on toys or fun gadgets you don't need, remember to look back at your list. Yes, a basketball hoop would be fun, but if it wasn't on your list, then chances are you weren't thinking about it before the sale started.</p> <h2>Add Deals to Your Cart Immediately</h2> <p>If you are still on the fence whether a hot deal is really a good deal, then be sure to add it to your cart as soon as the deal goes live. Once it's in your cart, you have 15 minutes to decide if the deal is worth purchasing. Here are a few questions to ask yourself in this time frame:</p> <ul> <li>Do I need this?</li> <li>Can I afford this without accumulating more debt or making this month's budget too tight?</li> <li>Is this the best deal I can get?</li> <li>Can I find it cheaper used or refurbished?</li> </ul> <h2>Check the Price History</h2> <p>You can check the price history of an item with different price tracking sites. One of the most popular price tracking sites for Amazon products is<a href="http://camelcamelcamel.com/"> CamelCamelCamel</a>.</p> <p>For example, the Nest Learning Thermostat, third Generation was advertised as a deal of the day from the end of June through the first week of July. This Nest was marked down 20%, making the price $199. I wasn't sure if this was the lowest price possible for the third generation Nest, so I looked up the ASIN on CamelCamelCamel. The price tracker showed that this was the lowest price this model of the Nest has ever been listed on Amazon, and it also showed that a third-party merchant through Amazon was selling a new and used Nest for a cheaper price.</p> <h2>Take Advantage of Slow Shipping</h2> <p>Since Prime Day will be a busy day for Amazon, the company will most likely offer a bonus for choosing slower shipping methods. In the past, Amazon has offered Prime Members $1 credit for ebooks, movies, and music, as well a $5.99 credit for Prime Pantry.</p> <p>Select the slower shipping method for your deal to get the bonus offer and to have extra time to change your mind. With the slower shipping option, you will be able to cancel your order easily within one to two days, as long as the item did not ship yet. So if you do have buyer's remorse, it will be easier to reverse the damage. (See also:&nbsp;<a href="http://www.wisebread.com/can-you-really-save-with-amazon-prime-pantry?ref=seealso">Can You Really Save With Amazon Prime Pantry?</a>)</p> <h2>Do Research Ahead of Time</h2> <p>Doing a quick scan before the deals go live will allow you to determine what you want before the buying rush begins. Be sure to look up reviews for the item and&nbsp;<a href="http://www.wisebread.com/10-things-you-should-always-buy-and-sell-on-ebay">check eBay</a> and Craigslist for used and less expensive options available.</p> <p>Once you know the deals you want to get, set notifications for them. Simply download the Amazon app for free and sign onto your account. Then go to &quot;notifications,&quot; then &quot;Your Watched and Waitlisted Deals.&quot; From there, you will be able to search the upcoming deals to see what you want to watch and receive notifications for. This will save you time and help you avoid impulse buys at the last minute.</p> <p><em> Will you be shopping Amazon's Prime Day deals?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-make-amazon-prime-day-actually-worth-it-this-year">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-49-smartest-amazon-hacks-that-will-save-you-big">Flashback Friday: 49 Smartest Amazon Hacks That Will Save You Big</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life">39 Mindless Ways You&#039;re Wasting Money in Every Part of Your Life</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-can-learn-from-the-easter-bunny">6 Money Lessons We Can Learn From the Easter Bunny</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-one-nice-thing-can-ruin-your-whole-budget">How One Nice Thing Can Ruin Your Whole Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-little-known-amazon-shopping-hacks">5 Little Known Amazon Shopping Hacks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping Amazon amazon prime Amazon Prime Day amazon shopper saving money shopping on amazon Mon, 11 Jul 2016 09:30:31 +0000 Ashley Eneriz 1748326 at http://www.wisebread.com 10 Stocks Every Recent Grad Should Own http://www.wisebread.com/10-stocks-every-recent-grad-should-own <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-stocks-every-recent-grad-should-own" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_grad_happy_20845110.jpg" alt="Woman buying stocks every recent grad should own" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're just fresh out of college, you may be broke and not yet in a position to invest. But if you find a little extra cash, or are fortunate enough to be gifted some stock as a graduation gift, there are a number of great options that have a great track record of solid performance.</p> <p>These are stocks that have rarely let investors down over the course of decades, and they often pay great dividends, too.</p> <p>If there's a list of stocks that recent grads should consider owning, these 10 should be included.</p> <h2>Microsoft [<a href="http://www.nasdaq.com/symbol/msft">Nasdaq: MSFT</a>]</h2> <p>Bill Gates' old company made headlines recently when it bought the professional networking site LinkedIn. It's now a massively diverse tech firm with PCs, tablets and phones, software, and a popular video game system.</p> <h2>Coca-Cola [<a href="http://www.google.com/finance?cid=6550">NYSE: KO</a>]</h2> <p>Yes, we know that America is supposed to be moving away from sugary drinks. But this company has managed to sell a ton of Coke while diversifying its product line to include everything from Dasani water, to Powerade and Honest Tea. Coca-Cola shares have been in positive territory for eight straight years, and with a market cap of nearly $200 billion, it's likely a long-term winner.</p> <h2>Apple [<a href="http://www.nasdaq.com/symbol/aapl">Nasdaq: AAPL</a>]</h2> <p>Shares of this technology company have dipped about 20% in the last year, but that's all the more reason to consider buying now. This is still one of the largest, most influential and inventive companies out there. Chances are, if you are a recent college grad, you use Apple products. So go with what you know, and reap the financial rewards. (Disclosure: I own some shares of Apple.)</p> <h2>Facebook [<a href="http://www.nasdaq.com/symbol/fb">Nasdaq: FB</a>]</h2> <p>Okay, full disclosure: I bought some shares of Facebook stock a while back, and I have no complaints. Shares are up more than 40% in the last year, as the company continues to bust through earnings predictions. Facebook has 1.65 billion active users, and the company could vault to new heights with recent investments into virtual reality. <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money" target="_blank">Social media</a> may be a fad, but Facebook will be here to stay.</p> <h2>Procter and Gamble [<a href="http://finance.yahoo.com/q?s=PG">NYSE: PG</a>]</h2> <p>Do you wash your clothes and your dishes? Do you brush your teeth? Do you use paper towels? P&amp;G sells products that people all over the world use every day. This is one of those stocks you can practically &quot;set and forget&quot; and see a very solid return nearly every year. A dividend yield of more than 3% doesn't hurt, either.</p> <h2>AT&amp;T [<a href="http://finance.yahoo.com/q?s=T">NYSE: T</a>]</h2> <p>Admittedly, this is not the most exciting stock in the universe. But it's reliable, with a good dividend and not much volatility. AT&amp;T recently hit a 52-week high amid reports that it's bidding for some of Yahoo's assets. But any share growth is a bonus for this company that's now dishing out a 4.8% dividend yield. (Disclosure: I own shares of AT&amp;T, gifted to me in the 1990s!)</p> <h2>Johnson &amp; Johnson [<a href="http://finance.yahoo.com/q?s=JNJ">NYSE: JNJ</a>]</h2> <p>Like P&amp;G, Johnson &amp; Johnson is a dividend aristocrat, meaning that it has paid out and increased its dividend every year for 25 straight years. This is a big company that's neck deep in the growing health care sector, and it sells a lot of products, including shampoo, soap, and hand lotion, that people use all the time. JNJ shares are up 18% this year, and has had just 13 down years since 1975. A 2.7% dividend yield is also a selling point.</p> <h2>Wal-Mart [<a href="http://finance.yahoo.com/q?s=WMT">NYSE: WMT</a>]</h2> <p>When you have revenue approaching half a trillion dollars (yes, trillion with a &quot;t&quot;), you are a company worth investing in. Wal-Mart does well when the economy is doing well and folks are spending money. Wal-Mart does well in slow economic times, when shoppers are looking for low prices. There is some concern about the long-term future of brick-and-mortar retail, but Wal-Mart right now has more than four times the revenue of Amazon.</p> <h2>Sysco Foods [<a href="http://finance.yahoo.com/q?s=SYY">NYSE: SYY</a>]</h2> <p>If you've ever eaten at a restaurant, you've probably gotten food from Sysco. This is another dividend aristocrat that has seen shares rise 19% in 2016, while boasting a healthy dividend yield of 2.5%. It's been one of the most reliable stocks for decades, and people aren't going to stop eating at restaurants anytime soon.</p> <h2>Amazon [<a href="http://www.nasdaq.com/symbol/amzn">Nasdaq: AMZN</a>]</h2> <p>The world's top online retailer can be frustrating, because founder and owner Jeff Bezos has always focused more on growing his company than worrying about profitability. Some shareholders got frustrated with Amazon and left last year, but now shares are up over $700, nearing an all-time high. In addition to massive online sales revenue, Amazon has made a killing from its web services subsidiary, which pulled in $604 million in profits last year. One of these days, all of Amazon's reinvestment will likely pay off with massive profits that will send shares to even bigger heights.</p> <p><em>Have you ever been gifted (or given) shares? What stocks were they?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/10-stocks-every-recent-grad-should-own">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. 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