6 Retailers That Let You Double Up on Coupons

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Coupons can help you score everyday products on the cheap if you know a few tricks. And coupon stacking might be the best trick of all.

It’s the practice of applying multiple coupons, such as a manufacturer coupon and a store coupon, to a single product.

Few retailers allow coupon stacking, but the following are exceptions. These stores will accept two and sometimes three coupons for the same item.

1. BJ’s Wholesale Club

BJ’s allows you to stack one of each of the following on a single item:

2. CVS Pharmacy

CVS allows you to stack one of each of the following:

  • Manufacturer coupon
  • CVS coupon

3. Dollar General

Dollar General allows you to stack one of each of the following:

  • Manufacturer coupon
  • Dollar General coupon

Note that Dollar General requires you to sign up for a free online account to access its digital coupons. You can also access store coupons via Dollar General’s app.

4. Rite Aid

Rite Aid allows you to stack two or all three of the following:

  • Manufacturer coupon
  • Rite Aid Manufacturer coupon
  • Rite Aid Valuable coupon

The standard manufacturer coupons that Rite Aid accepts have a UPC barcode that begins with “5.”

What the company calls “Rite Aid Manufacturer” coupons have a UPC that begins with “49.” These coupons are usually found in Rite Aid’s weekly ad and on its website. They are also emailed to customers.

Rite Aid’s store coupons, called “Rite Aid Valuable” coupons, have a UPC that begins with “48.”

5. Target

Target allows you to stack two or all three of the following:

  • Manufacturer coupon
  • Target coupon
  • Target Circle offer

Target Circle is the retailer’s loyalty program, which you can join for free.

6. Walgreens

Walgreens allows you to stack one of each of the following:

  • Manufacturer coupon
  • Walgreens coupon

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

11 Retailers That Give You Rewards on Every Purchase

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Savvy shoppers know that with a little planning, they can earn cash back or rewards almost every time they shop.

From shopping through cash-back websites such as Rakuten to using discounted gift card websites like Raise, there are endless ways to save.

Shopping the right stores also can save you cash. Following are retailers that reward you every time you hand over your green.

1. Ace Hardware

Sign up for Ace Rewards, and you’ll get 10 points for every dollar you spend on most purchases. Accumulate 2,500 points, and you’ll earn a $5 reward.

You also receive member-only offers.

2. AutoZone

Join AutoZone Rewards, and you’ll earn a $20 reward after every five purchases of $20 or more. You also get a $5 bonus reward just for signing up.

3. Best Buy

Join the My Best Buy program, and you’ll earn half of a point for every dollar spent. Once you hit 250 points, you get a $5 reward.

Rewards increase as you spend. For instance, if you make $1,500 in purchases during a calendar year, you’ll become an “elite” member and earn 1 point for every dollar you spend.

Spend $3,500 in a calendar year, and you become an “elite plus” member with a rate of 1.25 points for every dollar you part with.

As an elite or elite plus member, you’ll also enjoy other benefits, such as free shipping with no minimum purchase requirement.

4. CVS

Sign up for the ExtraCare rewards program, and you’ll score 2% back on CVS purchases. Rewards typically are paid out four times a year — in January, April, July and October.

However, it’s worth noting that you must spend $50 per earning period — or otherwise earn at least $1 in ExtraBucks Rewards — to get your rewards. Also, some items at CVS — including prescriptions and copays — do not qualify for the 2% back, according to the ExtraCare frequently asked questions page.

5. Dick’s Sporting Goods

Members of the Dick’s ScoreCard program get 1 point for every dollar they spend. With 300 points, you get a $10 reward.

ScoreCard members also enjoy exclusive coupons.

6. Kohl’s

Enroll in Kohl’s Rewards, and you’ll earn 5% Kohl’s Rewards on your purchases. You’ll also receive a special gift on your birthday and opportunities to earn bonus points.

For more on saving at Kohl’s, check out “9 Ways to Get More for Your Money at Kohl’s.”

7. Office Depot/Office Max

Sign up for Office Depot/Office Max Rewards, and you’ll get 2% back in rewards on purchases.

Spend $500 within a 12-month period, and you’ll earn VIP status. That gets you 5% back in rewards on ink, toner, paper and copy/print/ship services.

VIP status also gets you free shipping with no minimum purchase requirement and a gift on your birthday.

8. Petco

Pets can be expensive, but you can keep them from taking a bite out of your wallet by joining Petco’s Pals Rewards program. Members get 1 point for every dollar they spend and a $5 reward once they reach 100 points.

For more savings ideas, check out “8 Ways to Cut Your Pet Food Costs.”

9. Staples

Members of Staples Rewards earn either 2% or 5% back on in-store purchases, depending on how much they spend in a 12-month period.

Members also get $2 back in rewards per recycled ink cartridge, and other perks.

10. Target

Join the Target Circle loyalty program, and you will earn 1% on all eligible purchases in stores or online. You can apply the earnings to future Target purchases.

11. Ulta Beauty

Join Ulta’s Ultamate Rewards program, and you will earn 1 point for every dollar you spend. Once you reach 100 points, you will be eligible to redeem them for $3 off your next purchase.

Members get even more back if they accumulate more points before redeeming them. For example, 2,000 points earns you $125 off your next purchase.

Big spenders can achieve Platinum or Diamond status. These members earn 1.25 points or 1.5 points for every dollar spent, respectively, among other perks.

For more Ulta savings tips, check out “8 Easy Ways to Save at Ulta Beauty.”

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

This Deal Offers 85 Channels of Live TV for $10 Per Month

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Looking to cut costs in the new year? A streaming live TV service is offering two months of service at just $10 a month.

Vidgo has more than 85 channels that you can watch on up to three devices at the same time. The app is available for Android, iOS, Roku, Apple TV and Fire TV devices. The service is available in both English and Spanish.

Vidgo describes itself as “a simple, affordable, and portable way to watch TV” that was “designed here in the USA by engineers who love to watch TV in the most efficient way, on the go and in high resolution.”

Channels that Vidgo offers include:

  • ABC
  • Discovery
  • Disney
  • FOX
  • Fox News
  • ESPN
  • Hallmark
  • HGTV
  • Lifetime
  • NFL Network

New and returning customers can take advantage of the price break. After two months, service costs $55 a month.

The $10 introductory price makes Vidgo much cheaper than many other streaming services. So, if you have considered streaming but have yet to take the plunge, this might be a good opportunity to see if cutting the cable cord is right for you.

If you decide you like Vidgo, the regular price of $55 a month still makes the service cheaper than YouTube TV’s recently increased price of $64.99 per month for more than 85 channels. It’s also cheaper than Hulu + Live TV, which also now costs $64.99 but only offers some 65 channels.

It’s worth noting that Vidgo does not offer some key networks — including CBS and NBC. So, if those networks are important to you, consider other streaming services.

For more on your options, check out a website called JustWatch. It can help you search for the programming you love so you can find out which streaming services carry it. Learn more in “This Search Engine Helps Cord-Cutters Find Their Favorite Shows.”

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

4 Reasons to Stay with Your Cellphone Carrier

Senior happily talking on smartphone or cellphone
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You see in ads online and on TV all the time: the call to switch cellphone carriers.

Yes, switching could be a great way to save money on your cellphone bill, and even get a new phone at a discounted price. However, switching might not always be the best option.

Here are the top reasons you should stick with your current carrier.

1. You get great coverage

There’s a reason why every carrier likes to brag about their network coverage. Without good coverage, your cellphone plan is basically useless.

If you get strong coverage in all the places you regularly are, switching carriers might not be best option. You could end up on a network that has spotty coverage in those areas.

Instead of switching carriers, you might want to take a look at your current provider’s plans and see if there is one that is cheaper while still meeting your needs.

2. You’re already getting a great price

Switching carriers is basically the best way to save money on your cellphone plan unless you’re already paying a low price. How do you know you’re getting the best rates?

It’s always a good idea to do some comparison shopping now and then to see if another carrier is offering a similar plan at a lower rate. If you find a cheaper comparable plan, it might be a good idea to switch.

On the other hand, if you’re getting the best rates, stick with your carrier.

3. You’re getting the best perks

One of the best features of modern cellphone plans is the perks that come with them. With all the competition out there between the major carriers and MVNOs, carriers are offering some excellent perk packages to gain new customers and keep their current ones.

Verizon offers free Disney+, Hulu, and ESPN+ on select unlimited plans. T-Mobile offers eligible customers free Netflix or Quibi. Not to be left behind, AT&T gives its own HBO Max free to customers on their Unlimited Elite plan.

If you are digging the perks you get with your current carrier, you might just want to stay with them.

4. You don’t need a new phone

If you need a new phone and you’re looking to save, the best thing to do typically involves switching carriers. That’s because most carriers save their best deals for new customers switching from a competitor.

These deals can save you hundreds, but if you don’t need a new phone, you could stick with your current carrier. Wait to switch when it’s actually time to get a new device.

How do you know you don’t need a new phone? If your phone still holds a charge well, doesn’t have any functional damage, and is supported by current operating system updates, you probably don’t need a new phone.

Sure, it’d be nice to get a new 5G-capable device, but 5G tech is still very new and hasn’t come close to reaching its full potential. For now, your 4G LTE phone should be more than sufficient.

If none of these reasons to stick with your current plan and carrier resonates with you, it’s probably time to switch.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

Will Your Insurance Cover Riot Damages?

Riot damages
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Riots occurred across the nation in the summer after the death of George Floyd, whose arrest by Minneapolis police was captured on camera. Insured losses totaled more than $1 billion across 20 states by September, according to an analysis by Property Claim Services. It is believed to be the costliest instance of civil unrest in the country.

While we can all hope this period of unrest is behind us, it may leave you wondering whether your vehicle or home would be covered should it be damaged in a riot. The answer depends on what type of coverage you have.

Auto insurance coverage for riot damage

Riot damage should be covered by automotive insurers so long as you have a comprehensive policy, says David Armstrong, senior vice president at Sedgwick, a global provider of technology-enabled risk, benefits and integrated business solutions.

“Individuals should always understand what type of policy they have,” he explains. Comprehensive coverage typically includes language stipulating that it will pay for damages related to rioting, looting, vandalism or civil disturbances. Collision and liability coverage have no such provisions.

A comprehensive policy will generally pay for damage to both the vehicle and its contents. Shattered glass is covered by comprehensive policies, but if you purchase optional glass coverage, you may be able to replace windows without any deductible required.

Homeowners insurance coverage for riot damage

With homeowners insurance, you generally don’t need to worry about selecting the right policy. “It is a coverage that is typically on all policies,” says Dave Emmette, COO and risk adviser for River Valley Insurance Agency in Grand Rapids, Michigan.

Standard policies will cover damage to a home’s structure and damage or loss of the contents. In the event your home is completely destroyed or becomes uninhabitable, homeowners insurance will pay for you to live elsewhere while it is being rebuilt or repaired. A policy may cover food expenses as well while you’re dislocated.

Even though coverage for riot damage is standard on most policies, it’s always a good idea to check with your insurer or agent to confirm. That’s particularly true if you have a property that is vacant. Emmette notes policies for vacant homes may exclude looting and vandalism losses unless extra coverage is purchased.

Filing an insurance claim for riot damage

Should you become a victim of riot damage, “Make sure that the loss is properly documented and properly reported,” Armstrong says. That includes taking photos of the damage and filing a police report. After that, the claims process should proceed similarly to that of any other loss.

“It’s going to be subject to the deductible obviously,” Emmette says. If you live in or near an area that has seen civil unrest this year, you may way want to review your policy deductibles and make changes if needed.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

3 Ways to Get Microsoft Office for Free

Microsoft Office 365
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It’s tough to escape Microsoft Office. Millions of us use one or more of the applications in this software suite every day — at work, at home or both.

If you use Office — which includes Word, Excel, PowerPoint, Outlook, OneNote, Access and Publisher — at home, chances are good that you pay for it. The price of Microsoft Office 365 begins at $69.99 a year for individuals and climbs if you want other options.

With a little ingenuity, however, you can cut those costs all the way to zero. Following are a few ways to get Microsoft Office for free.

1. Check out Office.com

Microsoft offers Office free to anyone who accesses it directly from Office.com.

Just be aware that when you use Office.com, you are not getting the full-powered versions of Office that you get when you pay to use this software. According to PCMag.com:

“You’ll find all the editing and formatting commands, and some additional features, but not much more. However, if all you need are the basics, this is an option worth trying.”

Also, you can only use this free version of Office when you have an internet connection. So, if you start a Word doc at Office.com, you won’t be able to access it later if you do not have an internet connection.

2. Download Microsoft apps

You can download Microsoft’s revamped Office mobile app, available for iPhone or Android devices, for free. Released in 2020, it combines Word, Excel and PowerPoint in one app.

While the app itself is free, its premium features are not. Microsoft explains:

“The app is free to use, even without signing in. However, signing in with a Microsoft Account or connecting to a third-party storage service will enable you to access and store documents in the cloud. An Office 365 or Microsoft 365 subscription will also unlock various premium features, consistent with those in the current Word, Excel, and PowerPoint apps.”

3. Enroll in Office 365 Education

Students and educators can access the suite of Microsoft software for free by using Office 365 Education.

You get access to a range of Microsoft Office services — including Word, Excel, PowerPoint and OneNote. To qualify, you simply need a valid school email address.

Make money playing on your computer

Getting Office for free can save you money when using your computer. But how about going a step further and actually making money with your laptop or desktop?

As we have reported, InboxDollars offers a way to put some extra cash into your pocket:

“Founded in 2000, InboxDollars pays millions of members cash — not just points, like many rewards sites. It’s not a get-rich-quick scheme, but you do earn cash for reading emails, taking surveys, playing games and signing up for offers through the InboxDollars website. A few bucks here and a few bucks there — it all adds up!”

For more on InboxDollars, check out “Marooned at Home? Earn Some Cash Playing on Your Computer.”

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

10 of Your Favorite Stories From 2020

Couple celebrating the new year
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With a new year dawning, it’s time to look back at some of the most popular stories of the past year.

What follows are the most-read stories that Money Talks News published during 2020. But the guidance that you will discover in many of these stories will serve your finances in 2021 and beyond — or serve your sanity in the age of the coronavirus pandemic.

So, if you don’t recall reading them in 2020, take a minute to check them out now.

  1. “7 Tips for Building an Emergency Food Supply“
  2. “5 Groups Who Won’t Get Coronavirus Checks From Uncle Sam“
  3. “7 Ways to Boost Your Credit Score Fast“
  4. “These 5 Cleaning Products Kill the Coronavirus“
  5. “19 High-Paying Jobs You Can Get With a 2-Year Degree“
  6. “5 Tips to Keep Glasses From Fogging When Wearing a Mask“
  7. “20 Things That Are Actually Worth Stockpiling“
  8. “4 Groups Who Could Receive Another Stimulus Check“
  9. “This Gas Station Scam Is Victimizing More Drivers“
  10. “9 Things You’ll Never See at Costco Again“

A note about No. 2 and No. 8: These articles are about the Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, which was enacted in March, and proposed legislation that never became law, respectively.

To learn about the second round of stimulus checks that Americans will start receiving soon as a result of the legislation that President Donald Trump signed into law on Dec. 27, check out “Here’s How Much Your Next Stimulus Check Will Be” and “6 Groups That Won’t Get a Second Stimulus Payment.”

Lastly, from all of us here at Money Talks News, Happy New Year!

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

20 Cellphone Plans That Cost $21 or Less

Man using his phone on New Year's Eve
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As we wrap up the second full week of 2021, things are … well, let’s just say it’s still very early and there are things to be optimistic about for the rest of the year.

If cutting down on spending is a goal of yours this year, try going the minimalist route with your cellphone plan.

This can dramatically lower your monthly phone bill. The monthly cost of low-limit cellphone plans can plummet down into the teens.

In this new year, we bring you 20 cellphone plans under $21.

What to expect from a cellphone plan under $21

For the most part, you can expect very few frills from cellphone plans under $21. International calling and texting are typically not included with these plans.

Most of the plans over $10 per month will come with unlimited talk and text, while plans below this mark will likely limit minutes and texts. All of these plans have relatively low data limits, ranging from around 500MB to 3GB.

The best plans under $21

We’ll spare you the details of all 20 of these plans, but here are some highlights from the top choices.

Mint Mobile’s 3GB Plan

Mint is a popular MVNO that sells service on the T-Mobile network. For just $15 per month (Mint sells its plans in multi-month packages), you’ll get unlimited talk and text and 3GB of full-speed data.

T-Mobile Connect

As part of the merger deal with Sprint, T-Mobile agreed to sell a budget-level cellphone plan. T-Mobile Connect is that budget plan. For $15 per month, you get unlimited talk and text and a hard cap data limit of 2GB.

Gen Mobile’s 300 minutes + unlimited texting + 1GB of data plan

This is the type of cellphone plan for those who aren’t particularly attached to their mobile devices. You’ll have a limit on minutes, but you’ll still get access to unlimited texting. The best part? It’ll only cost you $6 per month.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

Organize Your Home With These 10 Thrift Store Finds

Woman relaxing in an organized home
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As the owner of a growing online resale business, I’m constantly surrounded by antiques, vintage clothes, mid-century furniture and curiosities too numerous to count. For me, organizing and decluttering isn’t a seasonal event, it’s a daily to-do.

If you’re drowning in a sea of stuff, head to your local thrift shop. With a bit of creative inspiration, you’ll find dozens of tools to organize your space and preserve your sanity.

Resolve to be clutter-free in 2021 with these secondhand finds.

1. Baskets

Cheap, lightweight, strong and made of natural materials — what’s not to love about baskets? They’re one of the things I always buy at thrift stores because they come in all shapes and sizes and add texture to a well-decorated room.

Priced between $1 and $5 in most thrift stores, baskets are a budgeter’s best friend. Use them to organize pet gear, bulk food in the pantry and that mountain of remotes and game controllers in the family room.

Pro Tip: Be careful when storing clothes in natural fiber baskets. The “snag factor” makes other types of baskets a safer choice.

2. Large bowls

Every home has a drop zone — that one spot where keys, mail and sunglasses get, well … dropped. If yours looks more like a disaster zone, organize it on the cheap.

Pick up a large stoneware, metal or wood bowl at your local thrift store and add it to your drop zone. But choose wisely. Bowls should be durable enough to handle carelessly tossed cellphones, keys and loose change.

If one isn’t enough, designate a bowl for each member of the family.

3. Vintage trays

Everything looks better on a tray. In the bedroom, use trays to organize makeup, colognes and perfumes. In the bath, waterproof cocktail trays are perfect for organizing and storing shaving supplies.

When shopping secondhand, look for vintage Florentine trays. These gilded wooden pieces are a hot collectible right now and work with almost any decor. Lucky bargain hunters can still find them for $2 to $10 apiece.

4. Old wooden drawers

When dressers and hutches can’t be saved, some thrift stores resell just the drawers. Solid wood drawers with tongue and groove construction will last a lifetime and are versatile organizers.

Use small drawers to tidy up your closets. They’re perfect for storing scarves, socks and belts. Add casters to large drawers to create unique under-bed organizers for shoes, purses and bulky sweaters.

5. Canning jars

Old canning jars are a staple in my picking business. I’ve bought rare ones at thrift stores and salvaged hundreds of others from crumbling old fruit cellars across the Midwest.

Simple and utilitarian, large jars are perfect for organizing craft and sewing supplies. Use small jars to store bathroom essentials like cotton swabs. In the workshop, they’re ideal for organizing screws, washers and nails.

6. Antique steamer trunks

Though they’re getting a bit harder to find, old steamer trunks used to be common in secondhand stores and estate sales.

Use a flat-top trunk as a coffee table or nightstand and store blankets and extra pillows inside. If you don’t like the look of overflowing bookshelves, organize those extra volumes in a dome-top trunk.

If you’re handy with a few basic tools, repairing and restoring a trunk is a simple weekend project. Pick one up for $25 to $75 and give it a new lease on life.

7. Flowerpots

You don’t need to have a green thumb to love flowerpots. Use them to organize kitchen utensils, make-up brushes or small gardening tools.

Outdoors, large concrete planters can double as firewood containers or a discreet place to store rolled-up garden hoses.

8. Muffin tins

Organize everything tiny with vintage muffin tins. In your home office, tins are perfect for wrangling paper clips, binder clips, push pins, rubber bands and keys.

If your jewelry box is overflowing — lucky you, by the way — use muffin tins to store earrings, pendants, rings and brooches.

9. Magazine racks

Online magazines have rendered magazine racks nearly obsolete. Turn vintage wire racks into clever bathroom organizers. They can hold everything from extra toilet paper to bath towels and bath mats.

Is your kitchen short on cupboard space? Use magazine racks to organize large cutting boards, baking sheets, rolling pins and serving trays. Easy storage. Quick access. What could be better?

10. Metal gym lockers

Over the years, I’ve bought several old gym lockers at my local Habitat for Humanity ReStore. They’re the perfect solution for organizing coats and boots in a mudroom or sports equipment in the garage.

One word of caution: Tall lockers can easily become top-heavy. If you have small children in the house, anchor lockers to drywall studs to prevent tipping.

For more ideas, check out “13 Smart Tricks to Organize Every Room in Your Home.”

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com