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Best Costco Black Friday and Cyber Monday Deals 2017
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This holiday season, forget about focusing on New Year’s Eve at the club, and instead shift your attention to Black Friday at the warehouse club. Costco is where the real fun is going down.
The popular warehouse chain will be opening its doors at 9 a.m. on Black Friday, Nov. 24 (so yes, you can hit snooze a few times), and deals will be happening while supplies last, both online and in stores, through Nov. 27.
What’s the deal with mobile pay?
What is a mobile wallet?
A mobile wallet is an app that enables payments either online or in-person through your mobile device.
So … what’s the 411?
Before you ditch your wallet, here’s what you need to know about mobile payment.
Although convenient, mobile wallets aren’t catching on with consumers. Why?
Pros:
- Easy to use
- Less interaction
- Innovative
Cons:
What’s the deal?
Even though mobile pay offers access to debit, credit and loyalty cards, many retailers still don’t accept it.
Is it safe?
Consumers cite security concerns as a main reason they avoid mobile pay. But experts say mobile wallets may be even safer than traditional cards due to the process they use to conceal and randomize numbers during transaction.
But there’s still a security risk, so:
How much should you spend on an engagement ring?
With the holidays quickly approaching, take one look at your FB feed and one thing is clear: Engagement season is officially upon us. If you’re thinking about putting a ring on it, there are a few things you need to keep in mind when budgeting for all that bling.
While it might not be the most romantic topic, how much you should spend on an engagement ring has been a hotly debated question for decades. In 2016, the average national spend for an engagement ring was $6,163, according to The Knot.
That’s a lot of spending on a little sparkle.
New mobile app Finn from Chase makes banking a breeze for millennials
Visiting the bank can seriously be a bummer, especially for us millennials who are used to having the convenience of basically anything and everything right at our fingertips (don’t hate us cuz you ain’t us!). But we need to make some room in our phones’ storage space—JP Morgan Chase is giving us an app that changes all of that.
Finn, a new app from Chase, allows you to open a bank account, deposit checks, send and save money, and do all your other banking basics entirely from your mobile phone. After joining, you’ll also receive a debit card in the mail, which will give you access to cash at 29,000 ATMs. Don’t want to visit an actual bank? With Finn, you’ll never have to.
Not only will millennials dig its sleek design (I, as a millennial, approve), but there are a number of cool features that make slaying at saving so much easier.
Max out your 401(k): New retirement plan contribution limits for 2018
For all my savvy savers out there, the IRS has some pretty good news.
Annual contribution limits for many popular retirement savings plans are getting bumped up in 2018, meaning you can stash more cash in those accounts. This is the first time since 2015 that the IRS has upped the ante when it comes to contribution limits, so start flexing those finance muscles and get ready to stretch your savings in the new year.
In 2018, the annual contribution limits for 401(k), 403(b), most 457 plans and the federal government’s Thrift Savings Plan will be $18,500, which is a $500 increase from the current limit of $18,000. Traditional and Roth IRA annual contribution limits haven’t moved, though, so if you’re saving in one of those accounts, expect things to stay the same. Catch-up contribution limits for those 50 and over also aren’t budging, so no need to ping mom or dad.
5 first-time homebuyer mistakes to avoid
5. More than a mortgage
There is more to buying a house than just the mortgage. Property insurance, taxes and utilities are just some of the costs that first-time buyers tend to forget.
4. Home first, loan second
Unless you plan on paying for your new home in cash, a mortgage prequalification is necessary before you start looking for that dream home.
3. Buying a home alone
As a first-time homebuyer, you’ll definitely need professional help – a reputable real estate agent, a good loan officer or broker and sometimes even a lawyer.
2. Using up savings for the down payment
Spending most of your savings on the down payment is one of the biggest mistakes you can make as a first-time homebuyer.
Amazon’s offering Black Friday deals now, with new, crazy ways to shop
You’re probably still coming down from that Halloween sugar high, but Amazon is already moving full force into a Black Friday bonanza, rolling out deep deals and discounts weeks ahead of the Super Bowl of shopping. So grab your list and check it twice!
Amazon’s virtual Black Friday Deals store is officially open for business, and will be rolling out daily discounts in the days leading up to Black Friday. But pace yourself and work on building up that shopping stamina—you don’t want to break your budget before the big day.
In the days leading up to Nov. 24, Amazon says it will be offering deals on electronics, DVDs, kitchen appliances, toys and more. I took a quick look at what products were on sale the day this article was written, Nov. 2, and found a few standout deals, including:
The new Uber Visa credit card is here with some seriously sweet rewards
The new Uber Visa credit card is here and it’s putting you in the fast lane toward some seriously sweet rewards.
If you had serious FOMO over the Chase Sapphire Reserve mayhem (because you were just not down with that annual fee), your patience is about to pay off.
Starting Nov. 2, you can apply for the no annual fee, Uber Visa credit card, offered in partnership with Barclays. Whether you spend your money on Netflix and chill, or boozing at a bar, this card is offering some serious cash back. Did Christmas just come early?
Uber Visa cardholders earn unlimited:
Open enrollment is underway: Here’s what you need to know
You eat an apple a day. You make it to spin class on a (semi) regular basis. You even skip the whip on your daily PSL. You’ve got this whole healthy, adult thing down on lock.
But no matter how healthy you feel, you’re not really adulting until you’ve got health insurance. Obamacare open enrollment is officially underway, so if you’re not insured through work or are too old to be on your parents’ plan, now is the time to buckle down and start shopping for the right coverage.
Whether you want to go for the gold or bring home the basic bronze, I’m officially prescribing a healthy dose of Open Enrollment 101. Here’s everything you need to know.
When is it?
Don’t blink; this year, open enrollment is shorter than ever.
5 spooky money mistakes that will haunt your budget
1. Not having an emergency fund
Be prepared for financial emergencies like layoffs and poltergeists. You should have enough emergency savings to cover four to seven months’ expenses.
2. Setting an overly ambitious budget
A bare-bones budget can ultimately set you up to fail and lead to financial fright. Learn to track your budget realistically, and focus more on moderate spending than not spending at all.
3. Buying a frighteningly expensive outfit that you really didn’t need
Looking boo-tiful isn’t worth the scary price tag.
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