4 tips to make the most out of expired coupons

4 tips to make the most out of expired coupons

Coupons are a great way to save money while shopping. But they come with an expiry date. If you’re thinking that expired coupons are useless, think again. Some shops may not accept these coupons. However, a few easy steps can help you use them to the fullest. While it is always advised to be careful of the expiration date, there are times when you may miss it. That’s when these tips might be helpful.

Don’t tear them up
It’s best to not tear up the coupon with the expiration date. Additionally, do not try to hide the “best by” date to get around the rules. If you happen to do so, most stores will definitely know there is something wrong and immediately reject the coupon, even if there was a way for you to use it. Be honest about the expiration date and check with the store if the coupon can still be useful.

Ask for a grace period
It is quite possible that the coupon’s manufacturer put in a grace period for the coupon, which will mostly be mentioned in the fine print at the bottom. If you are unable to find any information about that on the coupon, you can search the manufacturer’s website. You can check if they allow a grace period of a few days. That way you can still purchase some items and make the most of your savings.

Check store policy
A lot of times, various stores allow a grace period of a couple of days. They allow customers to use the coupon even after a few days beyond the expiration date. This helps the brand in building a trusted relationship with their customers, improving consumer loyalty.

Some stores that have been known to accept expired coupons include  Bed Bath & Beyond®, Michaels, Staples®, PetSmart®, to name a few. You can check with other stores near you if they have the same policy. However, you should ensure that coupons are the store coupons and not the manufacturer’s. This is because although the store may be lenient, the manufacturer may have disabled the coupon code. Make sure to call before running store to store to confirm this information.

Coupon exchange
While some stores are fine with expired coupons, many others are not. You can speak to the manager or the cashier to ask if they have new coupons that can be exchanged for old ones. Although this sounds counterproductive, stores usually allow this exchange when similar deals are repeated in a different month. That way, they just take the old coupon from the customer and issue them a new, updated one that does not expire for a couple of days or weeks.

You can also help others by giving away expired coupons. Sending them to military bases around the world can be highly beneficial. This can be done through various programs online. The troops and their families can use the coupons for six months after the expiry date. This way you are not throwing away your expired coupons and helping a family save money.

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A handy guide to buying the right laptop

Laptops are powerful portable tech that is versatile, compact, and fast, making them the preferred choice. However, the best laptop for you is the one that complies with your needs. Now, there is a plethora of laptops in the market. This makes choosing the right device a daunting task. To help you, here is a guide to help you buy a laptop as per your needs and the best ones available in the market. Plan your budget Thanks to tough competition between laptop brands, you can buy a laptop for as low as $200. But if you can increase your budget, you can buy a quality laptop with better performance and features. Laptops like HP Stream and Dell Inspiron 11 3000 are the least expensive, costing about $150-$200. Laptops costing $900 and above have faster processors, cutting-edge graphics, and powerful resolutions. Moreover, they are lighter, making them efficiently portable. Pick your operating system Do you want a Windows or a macOS? There is no wrong answer, as the choice of the operating system solely depends on your preference. If you are confused, here’s a brief summary of each. Windows 10, Microsoft’s latest operating system, is the most flexible. Moreover, laptops with Windows OS are generally inexpensive and offer features like touch screens and dual graphic chips. On the other hand, macOS Big Sur is Apple’s latest desktop operating system and is expensive. If you are a tech wizard and know your way around an OS, you can also choose operating systems like Chrome OS and Linux. Specifications As per your needs and budget, opt for the most powerful processor, as processors influence the performance and speed of the laptop. Most laptops have an Intel® processor, although some laptops even come with an AMD processor. Inexpensive laptops offer Intel® Atom®, Intel® Celeron®, and Intel® Pentium® CPUs that are good for light document editing and browsing. However, if multitasking and speed are important to you, then opt for an Intel® Core™ i3, or better yet, an i5 or i7. Next, you should check the RAM size. Most offer only 4GB RAM space. However, experts recommend that you opt for a minimum of 8GB RAM. Furthermore, get a laptop with a solid-state drive (SSD) since these are three times faster than a hard drive. Consider buying a laptop with a minimum of 9-plus hours battery life with a 12.5- to 14-inch screen size. Top 5 laptops of 2021 To further help you, here are the five best laptops of 2021: Equipped with an 8th Gen Intel® Core™ processor and 16 GB RAM, the Google Pixelbook Go is the perfect choice if you’re looking for a fast and efficient laptop. Along with a great processor and impeccable response rate, this laptop boasts of a touchscreen display that can play 4K videos. If you’re looking to upgrade your laptop, checkout Google’s laptops on sale and save big this shopping season. The Dell XPS 13 offers excellent performance, 3.5K OLED touchscreen, i3-i7 processor, option to choose an 8GB or 16GB RAM, SSD storage, powerful display, and a sleek design. The Apple MacBook Air with the latest M1 chip provides an outstanding 14-plus hours of battery life and lightning-fast processing speed. Next is the Microsoft Surface Laptop 4 that is powered by the Intel® Core™ i5/i7. It comes with features like touchscreen, top-notch graphics, and up to 1TB SSD storage. Finally, don’t forget to check out the latest IdeaPad Slim 7 by electronic giant Lenovo. The recently-released laptop comes with a 15.6” display, 11th Gen Intel® Core™ processor, 512 GB SSD storage, Dolby Atmos® Speaker System, and a whole lot more. If you find this laptop a bit pricey, don’t worry. There are several fantastic deals on Lenovo laptops right now, and you can grab this one at a lower price from the company’s website.

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5 Early-Bird Black Friday 2023 Deals to Not Miss

As the calendar inches closer to the year's most anticipated shopping extravaganza, Black Friday, eager shoppers are already being treated for what's to come. While Black Friday may commence towards the end of the year, retailers are getting a head start on the deals frenzy by offering early-bird discounts. This trend, which gained momentum in recent years, allows savvy consumers to snag incredible bargains ahead of the shopping rush. Here’s everything to know. When will Early Bird 2023 Black Friday Start? Black Friday 2023 falls on November 24th, but it's worth noting that many retailers and online platforms kick off their sales well before the official shopping day, starting a few days earlier or earlier in the month. One might start seeing early bird discounts and promotions from various retailers starting November 2023 or as early as October 2023. Early Bird 2023 Black Friday deals to expect 1. Clothing and accessories Macy's has announced its Black Friday event with early access from 11th November 2023, followed by Black Friday Specials from 19th to 25th November. The discounts will be seen on women's fashion, designer handbags, jewelry, beauty brands, dinnerware, bedding, furniture, and mattresses. The event also provides an opportunity to plan for gifts, catering to various preferences such as men's clothing and kids' toys. 2. Electronics Most major electronics retailers roll out discounts on various gadgets, including smartphones, laptops, and gaming consoles. Renowned brands like Samsung and Microsoft will likely offer exciting deals through their website and retail giants like Amazon, Best Buy, and Walmart. Apple is not known to discount its products directly but provides service bundles and trade-in programs through retailers, which can help one save significantly. 3. Home goods Early bird discounts almost always extend to home goods and furniture stores. One can expect household names like IKEA, Target, and Walmart to roll out enticing discounts on everything from cozy bedding sets to elegant furniture pieces. Whether looking to revamp one’s living space or enhance one’s home comforts, these deals can help one get the best prices. 4. Travel Many airlines, hotel chains, and online booking platforms will likely tempt travelers with early bird offers on flights, accommodations, and vacation packages for the upcoming year. Here are current early bird black friday deals one can get right now: Hopper's Travel Deal Tuesday: Hopper is set to offer discounted airfare in collaboration with participating airlines and decreased rates for resort accommodations, rental houses, and rental cars on Tuesday that follows Thanksgiving. This will enable app users to save significantly. Following last year’s trends, one can save $300 on domestic flights and over $1,000 on international flights. One can also win travel credits up to $2,000 for referring friends. Booking.com's Black Friday deals: Under its Black Friday promotion, Booking.com has unveiled attractive discounts, reaching up to 30%, for approximately 900 hotels and resorts. Commencing on Thanksgiving Day, Booking.com also extends its discounts to rental cars, with up to 25% savings. 5. Beauty and skincare One can look for early bird discounts on beauty and skincare products from popular brands like Sephora and Ulta Beauty. One can score deals on makeup sets, grooming essentials, and skincare bundles that can also make perfect gifting items for the upcoming festive season. Retailers like Amazon, Best Buy, and Walmart offer steep discounts on various products and brands during this time. Best ways to navigate early-bird sales Consumers must have a game plan as the early-bird Black Friday landscape evolves. Here's how to make the most of this trend: Stay informed: Email subscribers are usually the first line of customers who get the latest updates on early bird discounts from any brand or retailer. They may also be subject to additional perks and offers as a reward. So, one is advised to subscribe to newsletters, follow one’s favorite retailers on social media, and set up deal alerts to stay updated on the latest Black Friday offers. Compare and contrast: With multiple retailers offering early deals, one is advised to take the time to compare prices and offerings before making a purchase. One can utilize online price comparison tools and apps like BuyVia, Flipp, Mycartsavings, ShopSavvy, and others to compare prices across different retailers. Some tools even provide historical price data, helping one ascertain whether a deal is a bargain. Additionally, remember to factor in shipping costs, return policies, and any additional benefits a retailer might offer. Plan: To make wise purchases, creating a list of desired items and establishing a budget is essential. Having a plan can prevent impulsive buying and ensure that one gets the most value for their money. It is recommended to prioritize the most important items and research their regular prices to identify authentic discounts. Act swiftly: Early-bird deals tend to sell out quickly, so it’s best not to hesitate when one finds a deal that aligns with one’s shopping goals.

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4 tips that can help you pick the right investment advisor

4 tips that can help you pick the right investment advisor

An investment advisor can be a game-changer. A capable advisor can help solve most of your financial issues and give you the best investment advice so that you can turn market situations to your favor. But, finding the right investment advisor is not easy. Here are a few things you need to keep in mind while looking for the best investment advisor. Know what type of service you need First, you need to decide what kind of financial assistance you need. Do you need help picking investments? Or are you seeking advice on real estate, retirement, or insurance needs? Asking yourself these questions will help determine the type of investment advisor you are looking for. Nowadays, many people use a robo-advisor, which is as competent as a human investment advisor. A robo-advisor is great for investment management and other basic investments. But if you want substantial transformation in your money-situation, a human advisor is the viable option. Choose a fee-only advisor If you’ve decided to pick a human advisor, the next step is to choose the type of advisor: commission-based, fee-based, or fee-only. If you’re planning something big financially, you must pick a fee-only advisor. Such advisors work for and get paid by other clients like you, so they always act in their clients’ best interest.
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A good credit score is essential as it can be a criterion for lucrative job prospects or renting an apartment. Moreover, a good credit score is an uncompromisable necessity while applying for a loan that has terms and conditions that favor you. To ensure that you have a good credit score, it is better to start building it young and early. One of the easiest ways to do so is by applying for a student credit card from prominent credit cards companies. Now, there are several credit cards companies that offer lucrative credit cards, making choosing the right one confusing. To help you narrow down your choices, here are some of the best credit cards companies that offer student credit cards. Bank of America® Travel Rewards Credit Card for Students: One of the biggest credit card companies in the country Bank of America offers a slew of benefits with its student credit card. With each dollar spent using this card, students can earn 1.5 points. This applies to purchases without any caps. The points can be redeemed as discounts on hotels, flights, rental cars, and vacation packages. There are no restrictions or blackout dates applicable for availing these discounts. With no foreign transaction fee or annual fee, the card allows one to earn nearly 25,000 points on spending about $1000 in the first 90 days.
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