Category Archives: Money

HOW TO RETIRE BEFORE 40 WITHOUT $ 1M

Cameron Huddleston

More than half of adults surveyed by GO Banking Rates said they don’t expect to retire until they’re 65 or older.

But there are people who have managed to leave the 9-to-5 at a much younger age — people like Billy and Akaisha Kaderli, who retired at the age of 38 in 1991. Over the last 26 years, they have traveled the world and lived life on their terms.

The Kaderlis didn’t win the lottery or inherit a windfall that allowed them to quit their jobs. In fact, they didn’t even have $1 million saved. The Kaderlis retired before 40 with about $500,000. If you want to grow your savings and retire early, keep reading to learn more about how they did it — and you can, too.

Find Your Motivation

If you think you want to stop working full-time, one of the important questions to ask yourself before deciding to retire is, “Why?” Billy and Akaisha found their motivation a couple years before they made the leap to early retirement.

After working as a chef for a restaurant that he and Akaisha owned in Santa Cruz, Calif., Billy made a career change. He landed a job with financial firm Dean Witter Reynolds and became a branch manager and vice president of investments. He worked weekdays, while Akaisha worked nights, weekends and holidays running their restaurant. As a result, the couple hardly saw each other. “It was not working,” Akaisha said. “Our relationship went through a real crunch.”

While trying to deal with the stress in their relationship, Billy was hearing stories from clients about how they had taken monthlong European vacations or other exotic trips. “It was a tease for me, but it let me know there were people out there who could do it,” he said.

That’s when the seed was planted. “Billy had this idea,” Akaisha said. “‘Why not see if we can live off the money we have invested and travel the world?’”

Calculate How Much You Need to Save

Once the Kaderlis got the idea to retire early, Billy started crunching the numbers to see how much money they needed to invest to make it happen. “If you want to know how much money you need to maintain your lifestyle today, you need to figure out how much you’re spending and multiply it by 25,” he said.

They figured they could live on $20,000 a year. Multiplied by 25, that meant they would need to have $500,000 saved. Billy figured that amount would allow them to withdraw 4 percent annually — $20,000 — while the rest remained invested, continuing to grow and provide enough income for several decades.

Cut Spending to Boost Savings

The Kaderlis were 36 years old when they set their savings goal of $500,000. That’s when they began eliminating unnecessary expensesto set aside more money in savings. “We started investing every penny we could,” Billy said.

Akaisha said that it wasn’t that difficult for them to cut their spending because neither one of them was a big consumer. Plus, they had a strong motivation not to spend. “We were being pulled forward by the dream of being able to travel for long periods of time,” she said. “We were thinking, ‘I’d rather be doing that than what I’m doing now.’”

Over two years, they managed to build up $500,000 in savings through investing and the sale of their home and restaurant, and in January 1991, at the age of 38, they quit their jobs.

Create a Money Machine

The Kaderlis have taken advantage of the power of compound interest to grow their retirement nest egg. While building their savings, they invested their money into index funds that tracked the performance of the S&P 500. “Since we retired in January 1991, the S&P 500 has averaged a 10 percent [return] per year,” Billy said.

So their initial $500,000 investment earned interest, and interest has continued to accrue at about a 10 percent annual rate on both the principal and the interest that has accumulated. “When you’re spending 2 or 3 percent, that leaves 7 or 8 percent that continues to grow,” Billy said. As a result, their net worth is actually higher now than when they retired.

“We created a money machine,” Billy said. “That’s why I was confident this was going to work out.”

THESE ARE THE BEST DEALS YOU CAN GET BEFORE THE NEW YEAR !

These are the best deals you can get before the new year

 

— Our editors review and recommend products to help you buy the stuff you need. If you make a purchase by clicking one of our links, we may earn a small share of the revenue. However, our picks and opinions are independent from USA Today’s newsroom and any business incentives.

Happy New Year’s Eve! As we’re closing off the year it’s also a great time to close on some incredible sales. The post-holiday shopping period is one of my favorite times to shop. Retailers are trying to get rid of their inventory by having tons of sales on sale items, making it the perfect time to spend your holiday cash. Plus, no one really knows what to do during that awkward period between Christmas and New Years, so you might as well shop—especially when there are some great deals going on.

1. The best hair dryer at its lowest price ever

A good hair dryer can be life-changing. We typically want one that will cut drying time in half while still leaving our hair sleek and shiny. Thankfully, we found just that after testing the Harry Josh Pro Dyer. After you use it, you seriously won’t go back to whatever you were blow drying your hair with before. It’s that good. It usually costs around $220, which is a little pricey. But right now, you can get it for just $169. That’s $15 less than the low price we saw for Black Friday. This price is insane and the sale ends today, so if you want a hair dyer upgrade, today is the day to do so.

Get the Harry Josh Pro Hair Dryer from Dermstore for $169 (Save $50)

2. A mandoline for quick chopping

If you were hoping to add more veggies to your diet in 2019, then you should probably invest in a mandoline. Cutting vegetables is pretty time-consuming and you usually can’t get your slices the right size, making you want to avoid them altogether. But a mandoline produces perfect slices for your ratatouille and crudite in basically no time at all. Right now, you get our favorite mandoline at its lowest price. We love this model from KitchenAid because its V blade sliced through whatever we threw at it and it has five different thickness options. Plus, it’s safer than most with rubber feet that keep it from sliding and a larger finger guard.

Get the KitchenAid Adjustable Handheld Mandoline Slicer on Amazon for $17.99 (Save $2)

3. Our favorite affordable reusable straws

Trying to be more eco-conscious in the new year? It’s easiest to start small and one of the simplest ways you can cut back on your plastic usage is to ditch plastic straws. These ones from SipWell are the best affordable reusable straws we’ve ever tested and right now they’re back down to their lowest price. We loved these straws because they were easy to use with water and iced coffee, the metal taste wasn’t apparent while sipping, the material kept drinks colder, and they were easy to clean. They’re perfect to keep in your home or office and you can feel a bit better about sipping with them.

Get the SipWell Stainless Steel Drinking Straws on Amazon for $5.89 (Save $1)

4. A wall charger for all your devices

We have a ton of devices, so why not charge them all in the same place? This USB wall charger from Anker has five ports that pump out more than 50-watts of power, meaning you can plug in your phone, your tablet, your fitness tracker, another phone, and your e-reader all at once. The ports also use Anker’s PowerIQ and VoltageBoost for quick charging, so you can juice up your devices in a jiffy. Plus, Anker is having deals on other chargers, plugs, and cables as part of their Deal of the Day.

Get the Anker Quick Charge 5-Port USB Wall Charger on Amazon for $22.49 (Save $7.50)

5. A foam roller for those aching muscles

Not to be dramatic, but foam rolling changed my life. Whether you’re training for a marathon or just went to the gym for the first time in eight months (hello, New Year’s resolutions), foam rolling is a great way to relieve the tension in your muscles, so you can actually walk the next day. This one from Gaiam is one of the best foam rollers we’ve ever tested. It’s pretty basic, but it gets the job done—although it did seem a little flimsier than some of the other foam rollers we tested. Right now, it’s down to its lowest price, making it a good time to invest in one.

Get the Gaiam Restore Total Body Foam Roller on Amazon for $17.99 (Save $10)

Don’t miss these other awesome sales

Anthropologie

I live for sale on sale. It’s the best way to get amazing things from retailers you can’t typically afford. Right now, Anthropologie is offering an extra 40% off sale items, which is an incredible deal.

Shop the Anthropologie sale

Best Buy

You can find all sorts of year-end savings at Best Buy, starting with 40% off clearance and open-box items. They’ve also still got discounts on Beats headphones and Apple Watches as well as sales on Samsung smartphones, smart devices, cameras, laptops, and of course TVs.

Shop Best Buy’s sales

Houzz

If you’ve wanted to upgrade or completely overhaul your home in 2019, the Houzz year-end sale is a great way to get an early start. You’ll find discounts up to 75% in virtually every category, from rugs and bar stool, or kitchen and bathroom, and more. We’re especially into these gorgeous gray midcentury modern dining chairs. They comes as a set of 2, and they’re $100 less than usual right now.

Shop the Houzz Year-End sale

JC Penney

While most retailers are discounting their clearance and sale items, JC Penney is serving up sitewide savings. you can use the code “SALE4” to get 20% off your purchase in stores or online through the end of the year. And if you spend $100 or more online, you’ll get 25% off! If you fill your cart and you’re just shy of the $100 mark, it might make sense to add one or two more items to get that extra discount. You’ll also find up to 70% off on winter gear from name brands like Nike and Levi’s.

Save up to 25% on your entire purchase at JC Penney with the code “SALE4”

Kate Spade

Kate Spade is taking an extra 40% off sale now through Jan. 2, meaning you can save up to 60% on accessories and jewelry from the iconic designer. Just enter the code “MOREEXTRA” at checkout to see the discount on your order.

Save an extra 40% on Kate Spade sale with the code “MOREEXTRA”

Kohl’s

Kohl’s is offering up to 70% off clearance through the end if the year. They’re even adding new items to the clearance section daily, including everything from men’s and women’s fashion to kids’ clothes and home decor and more.

Shop the Kohl’s After Christmas sale

Macy’s

You can find a smattering of awesome sales from Macy’s right now, starting with a sitewide discount of 20% off with the code “JOY” (some departments are oly eligible for 15% off). Or, if you spend at least $25, you can get $10 off your purchase with the code “JOY25” so try both codes and see which one gives you bigger savings before you click that buy button. You’ll also find discounts on underwear, bedding, mattresses, and select Nike apparel.

Shop the Macy’s sales

Madewell

Madewell is taking 40% off all sale items when you enter the code “GOBIG” at checkout.

Save 40% on sale at Madewell with the code “GOBIG”

Nordstrom

The best place to shop if you love fashion is having a huge sale to end 2018 on a great note. Right now you can find amazing deals on men’s, women’s and kid’s sale items. They’ve discounted their already-discounted apparel up to 50%, making it an amazing opportunity to spend your gift cards or splurge on something for that New Year’s Eve party.

Shop Nordstrom’s sale

Sephora

You can save an extra 25% with the code “TWENTYOFF” to score savings on gift sets (especially great if you need some belated presents) and plenty of other awesome health and beauty items through Jan. 1. To access the sale, you need to be a Beauty Insider, but it’s free to sign up and will give you an early start on any future sales Sephora runs.

Shop Sephora’s sale section and save an extra 20% with the code “TWENTYOFF”

Target

Right now, you can save 50% on clearance items in virtually every category from Christmas decor (shocker) to clothing to toys to health and beauty. We’re especially excited about a Melissa & Doug One Stop Shop Playset for $90 (50% off), and They’re also discounting party games 20%, and you can find discounts of up to 25% on home storage solutions.

Shop Target’s sales

Walmart

Much like Amazon, you can always find something on sale at Walmart. Right now, it’s a great time to stock up on super low-priced holiday decor for next year, as they’ve discounted all holiday decor up to 50% off. And like many other retailers are doing, Walmart’s also taking up to half off their clearance items in every department, including toys and clothing.

Shop Walmart’s sales

Wayfair

Without a doubt, Wayfair is one of the most popular places to buy furniture online, and right now you can find up to 75% off clearance, 70% off holiday decor, and more.

Shop Wayfair’s end of year sales

The product experts at Reviewed have all your shopping needs covered. Follow Reviewed on FacebookTwitter, and Instagram.

Prices are accurate at the time this article was published, but may change over time.

10 ONLINE SHOPPING TIPS TO SAVE MONEY !

10 Online Shopping Tips To Save Money While Scoring Major Discounts

 

Online retailers seem to be becoming more and more creative these days to score big with shoppers. However, if you are a smart deal hunter or would just love to get major discounts without a lot of efforts, try using these ten clever online shopping tips.

1. Outwit the dynamic pricing trap

Dynamic pricing is a sneaky strategy online merchants offer use to show different prices to different customers according to your location, your browsing and spending patterns and current demand of the product. Have you ever found dirty cheap airfare that went 30% higher when you checked on the next day? That’s dynamic pricing in action. As this technique gotten incredibly sophisticated, most retailers are perfectly aware of your price point and may show you a higher price compared to someone else who pays less in online purchases.

To get a less biased price you should:

  • clear your browsing history and cookies in particular
  • log out of your accounts (email, G+, Facebook etc)
  • switch to incognito mode or better take advantage of online anonymous browsing with Tor browser
  • choose localized website versions instead of being redirected to US
  • choose less developed countries as home to get better prices when searching for airfare

2. Shop at the right day

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Even if it seems tempting to spend your lazy Sunday afternoon browsing around various retailers, don’t cash out too fast. Most stores roll out discounts and special deals on Wednesdays, Thursdays and Fridays. However, Sunday is the best day to score cheap airline tickets with Monday being the most expensive, according to Airlines Reporting Corporation who analyzed over 130 million domestic and international over the period of 19 months. Numbers speak for themselves: $432 is the lowest average price for a round-trip ticket on Sunday; $439 is Saturday’s average, while Tuesday – the former “cheapest day to buy airfare” turned out to average $497.

According to Rather Be Shopping, Tuesday is the best day to purchase laptop and desktop computers as major retailers like Dell Home and Hewlett-Packard send out special coupons every Tuesday. Saturdays are bookworms’ specials as Amazon and Barnes & Noble launch numerous books on sale, targeting readers who love spending a weekend with a new fine read.

3. Use multiple coupon codes strategically

If the website allows you to combine different coupons and promo codes at the checkout, use them in the right order. Say you have a promo code for a 20% discount and a coupon for 10$, apply 20% promo code first. That will subtract 20% from the full price, afterwards you can dig more savings with your $10 discount coupon.

4. Ask for price-drop refunds

Say you’ve purchased an item yesterday, but when you checked the next day, it was now on sale. Pretty frustrating, right? However, some companies will refund you the price difference if you contact them directly within a certain amount of days. For instance, Amazon will issue you a refund if you notify them within seven calendar days from the delivery date. Use Camelcamelcamel.com to monitor price changes at Amazon.

Some credit cards also go with price protection. That is, no matter where you shopped – you will refund the difference if the price dips within a certain amount of days. These include Barclaycard Arrival Plus™ World Elite MasterCard®, Citi® Double Cash Card and more.

5. Take advantage of smart reward programs

Some apps offer you to redeem special bonuses for doing certain actions. You can earn kicks by doing paid online surveys or merely browsing around product catalogs with ShopKick that can be exchanged to gift cards or special discounts. Swagbucks TV allows you to earn swagbucks for simply watching videos and redeem them as discounts from different online merchants.

Case Happy offers 1 point (equals to 0.05£) for each pound you spend on their goodies – lovely Ipad, Kindle and tablet covers. Points can be redeemed as coupons with your next order with no limits on spending. Basically, you can get the 2nd product for free. If you are into designers clothing, check out Guilt Insider loyalty program. You get early access to sales and a bunch of special discounts, plus you earn 5 points for each dollar spent, 35 points for liking them on Facebook and so on. Points can be exchanged for free shipping, exclusive access to flash-sales and a number of other perks. Amazon nails it with Amazon Rewards Visa card with $50 sign up bonus and 3 points added for each dollar spent.

6. Bargain with the customer service

Just discovered a juicy coupon at your email to realize it has expired two days ago? Fret not! Ring up the hotline and ask if your coupon can be extended as you are about to make your order. Typically, sales reps are interested in closing the deal and will either give you a new promo code or extend the existing one. It may not work each time, especially with low-priced items, yet it is always worth trying.

Alternatively, you can use live time chats now available at most websites. Be polite and ask a few questions about the product you’d like to buy and then inquire if there’s any sort of discounts they possibly may have. It’s not a well-known fact, but chat support can issue special promo codes that are not widely available.

7. Organize your emails

Signing up to newsletters, coupon sites and promotion lists can save you a huge bucks, but you are too reluctant about getting your email spammed? Try Unroll.me – a handy email add-on that lets you instantly unsubscribe from junk emails and de-clutters your inbox by sending one digest email a day summarizing your preferred subscriptions. Just choose the time of the day when you’d like to receive it.

8. Run smart comparison checks

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To avoid overpaying and scoring absolutely best deals online, install PriceBlink browser add-on (available for Chrome, Mozilla, Safari). It will save you tons of time by automatically pulling the prices for the same product from numerous merchants, organizing them in a smart chart and even notifying you if there are any coupons available.

Alternatively, you can try Pricegrabber app that does the same thing, plus can scan bar codes and provide “bottom line prices” that include taxes, shipping and other add-on expenses.

9. Leave items in your cart

Leave the products in your cart and step away for a day or two. Firstly, you’ve just avoided making an impulse purchase. Secondly, most retailers hate unclosed deals and will try to retain you. Stores that send coupons or offer a better price on the next day include Bed Bath & Beyond, Macy’s, JC Penney, Office Max and much more.

Remember the trick works only when you have an account on the merchant’s website and you are logged in when you leave your cart.

10. Accumulate more coupons with multiple email addresses

Some stores love sending huge single use coupons to a selected group of their customers. Increase your chances of saving the big bucks by signing up to their newsletter with multiple email accounts. Now imagine how much money you will receive with three 50% discount codes for one full-priced item purchase, instead of one.

Featured photo credit: Tim Reckmann via flickr.com

THE BEST 20 COUPONS SITES !

The 20 Best Coupon Sites (Updated for 2018): Save up to 90%

Save up to 90% on groceries, get up to 40% cash back and more with these top 20 coupon sites that even let you print coupons on the go...

Nobody likes scouring Sunday newspapers, scissors in hand, trying to find deals and clip coupons.

With our list of the best coupon websites, you don’t have to.

These money saving apps and websites make it so easy and quick to find the latest and best coupons and promo codes, whether you want printable grocery coupons that you take to the store or virtual coupon codes that you can use online.

According to NCH, consumers saved $3.4 billion by redeeming coupons in 2014.

This is the age of not paying full prices!

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So if you’ve got a passion for savings like we do, these are the 20 best coupon sites that you need to check before you go out shopping.


1. eBates

Not exactly a coupon site, but a way to buy things on the cheap cheap.

It’s a kind of coupon site that not only saves you money, but also earns you money!

eBates is one of the best cashback sites out there. You get anywhere from 3% to 10% cashback on products from more than 1000 online retailers. The cashback rates can sometimes go as high as 40%!

Even if you can’t find a coupon for what you want, this system guarantees that you will pay less than full price for whatever you buy.


2. Coupons.com

Where better to go look for coupons than on coupons.com, an easy to remember name for the provider of the greatest number of digital coupons in America.

There are literally thousands of deals for virtually anything you want to buy, including household goods, groceries, clothes, and cosmetics.

All you have to do is put in your ZIP Code and the website will automatically look for deals in your area.

You can look through and pick what you want, print out coupons as necessary to take to the stores.

You can even get coupons.com as an app for your Android or iPhone.


3. RetailMeNot

Another major online discount site, RetailMeNot.com is full of coupons and offers.

It offers an online community where you get feedback on how well coupons work, and users can also submit their own coupons.

Once again, there is an app available for smartphones.

RetailMeNot.com boasts coupons for more than 130,000 online and local stores.

If you’d like to receive the latest discount codes and deals in your email, then you may want to sign up for their Hot Coupon Newsletter.

Need Extra Cash for Free?If you like getting paid for surveys, and are going to join only one site, I would recommend Ipsos-iSay. Ipsos is the most fun and well-paying panel. Give it a try to see how you like it. It is free anyway!

 


4. RedPlum

You probably know the Red Plum coupon book that you receive by direct mail, or sometimes in a newspaper.

RedPlum.com is the online version and often has the same deals, albeit in a much more easily searched form.

They tend to issue the new coupons on Sunday morning, so it’s best to check to make sure you can get what you want.

They also have a service called Clip free, which allows you to load coupons onto store loyalty cards.


5. SmartSource

Sunday newspapers come from Smart Source, which is owned by News America Marketing.

Again, this is the online version and will have many of the same deals.

You can check by ZIP Code for local specials.


6. ShopAtHome

ShopAtHome has thousands of printable coupons for stores, including rebates.

It also offers lots of online deals.

There is a toolbar that you can install on your browser that watches each site you visit and will let you know if there are any coupons or deals available.


7. Savings.com

It’s a good idea to check out savings.com before buying anything, as it has lots of coupon codes for both brand and store coupons.

It offers an easy search box, or you can browse by category.

They also encourage you to contribute to the community of savers, if you have any coupon codes or tips.


8. Slick Deals

Another site with the emphasis on community, Slick Deals welcomes everyone to submit their coupons and deals for others to use.

In fact, the coupons are rated for popularity by the votes of the community. The best ones make it to the homepage, but you can search by store or category for the ones you want.


9. The Krazy Coupon Lady

TKCL is a leading national money-saving website that teaches extreme couponing strategies!

This is one site all couponers, beginners and pros, should follow.

The site is run by two ladies who know how to coupon and are extremely good at it.

It’s updated daily and is always full of current coupons and promos.


10. Flamingo World

What I love about this site is that you don’t even have to sign up for an account to access coupons.

You can simply search for any coupon you want, copy the code and use it to shop.

It offers printable coupons that you can take the stores, as well as online coupons for your Internet shopping.

There’s a great range of coupons available, so you may well find what you need on this site.


11. Frugaa

Another site with a huge database of current and working coupon codes.

It has over 44,104 active coupons, with dozens added every day.

You can also find over 10,000 free shipping offers.

The average savings per user is estimated at $27.

If you cannot find it on Frugaa.com, you probably don’t need it!


12. Living Social

This is an awesome site especially for those of us who like to support local businesses as it focuses on local shopping.

You can find discounts and promo codes for hundreds of thousands of local stores.

They also have a “store” section with tons of great deals.


13. Hip2Save

Hip2Save.com is a couponing site and more.

It offers a daily newsletter and includes deals, coupons, and freebies.

Also, check out the Hip2Save app.


14. DealNews

The homepage of Deal News boasts that they only have the best offers, and they show the Hottest Deals prominently.

Also available in app form, Deal News has deals on computers, electronics, clothing, and home and garden supplies.


15. FatWallet

FatWallet has pages of deals, including computers and electronics, clothing, and tools.

Just choose your store or your offer, click through to the appropriate retailer, shop and redeem your coupons and save.

Once again, there is an app available that will keep you up-to-date on the latest deals.


16. Brad’s Deals

This website offers deals selected by its editors across a whole range of stores and items. You can choose newest deals, most popular deals, or Brad’s picks.

The top deals also rotate on a slider across the top of the homepage.

There are 3800 stores listed, and you can find printable and online coupons.

17. FreeShipping

Nobody likes paying for shipping!

And FreeShipping.com is here to help you avoid that dreaded shipping fee.

Freeshipping.com has expanded beyond its original idea of simply showing you where you do not have to pay for shipping.

Now they offer 10% off on thousands of items if you buy through their links (somewhat like eBates.com), as well as free shipping and other coupons.

However, you have to join and it costs you $12.97 per month, although there is a 7 day free trial period.


18. Groupon

I’m sure you have heard of Groupon by now.

Groupon focuses on saving you money with local deals and coupons.

You can sometimes save as much as 70% or more on products and services.


19. Amazon Coupons

Amazon is famous for its year-round deals as well as Black Friday and Cyber Monday promotions.

But it also has a coupon section that you can use to find codes to save you even more money when you shop on Amazon.

But you know what the weird thing about it is?

Most people don’t even know it exists!

But now you do!

To find it, simply visit Amazon.com/coupons. From there either browse the available coupons or do a quick search.


20. Price Blink

Finally, Price Blink is a browser add-on that you can simply add to your browser and it will look for lower prices while you shop.

The add-on is available for Google Chrome, Safari, and Firefox.

It stays hidden until you are on a shopping site when it will interrupt you to tell you if it found a better deal.

It’s like having access to the best and latest coupons without having to spend hours searching for ’em.


Bottom Line

We started this article looking for the best coupon sites and finished up expanding the remit to include other sites where you can save money shopping.

And that’s the beauty of this. You don’t just have to use coupons. You can combine the offerings of these top coupon sites with free shipping and cash backs from sites like eBates to save even more.

Want more money?

Try Toluna Opinions, a great paid survey panel/community where you earn rewards for taking surveys and product testing. It is free to join.

 

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