While eating Thanksgiving dinner with loved ones is a meaningful holiday tradition, gathering and preparing all the dishes has become more expensive. With grocery prices creeping even higher this year, many households are looking for ways to save on their favorite Thanksgiving dishes this holiday season.

Several major retailers have responded to this by offering Thanksgiving meal bundles that can feed an entire family for less than $50.

These deals typically include items like a turkey, potatoes, stuffing, vegetables and other holiday staples at a discounted price. Some retailers advertise meals for as little as $4 or $5 per serving, making it easier to host Thanksgiving without spending hundreds of dollars at the grocery store.

But not all holiday meal deals offer the same value. Some require additional ingredients, while others include larger turkeys, desserts or ready-to-heat dishes. Before filling your cart, it's worth comparing what's included and how much you'll actually spend.

Which retailer offers the most affordable Thanksgiving dinner?

The retailers that offer the most affordable Thanksgiving dinner options tend to offer bundled shopping lists that you can add to your cart with all the basic main and side dishes for a traditional Thanksgiving dinner.

This is a convenient way to gather everything you need in one place and stay within your budget. When comparing options, keep in mind that the amount of food and preparation required can vary considerably.

This year, Lidl offers the cheapest Thanksgiving meal per person at $3.59, but it’s not too far off from Aldi's deal at less than $3.90 per person. However, Aldi includes a larger 16-pound turkey compared with Lidl's 14-pound turkey and doesn't require a loyalty membership.

Wegmans and Kroger also offer meals for less than $5 per person, while Target's $30 dinner is an affordable option for smaller gatherings of six. Winn-Dixie has a traditional Thanksgiving meal for $38.90.

For shoppers looking to spend less time in the kitchen, several retailers offer prepared holiday meals. Winn-Dixie has a heat-and-serve option, while Publix's prepared dinners start around $70 for eight people.

Sam's Club offers a larger spread serving up to 16 for approximately $160. The Honey Baked Ham Company also sells fully cooked turkey and ham dinners with ready-to-heat sides, with prices varying by package.

What Thanksgiving meal deals might leave out

While a Thanksgiving meal deal for under $50 may sound like a great value, the advertised price may not reflect everything you'll spend.

Retailers like Aldi, Lidl and Kroger offer discounted ingredients for traditional holiday meals, but their shopping lists may leave out essentials such as milk, butter, eggs, cooking oil and seasonings. These extras can add up quickly, especially if you're cooking from scratch or need larger portions to feed more guests.

Some deals also require shoppers to purchase specific store brands or package sizes to get the advertised price. Prices and availability can vary by location, so your final grocery bill may be higher than expected.

Before shopping, check whether a loyalty membership is required. Lidl's Thanksgiving deal requires a free Lidl Plus account, while warehouse clubs like Sam's Club and Costco charge an annual membership fee.

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• Walmart and Sam's Club Just Launched a $120 Membership Deal Ahead of the Holidays

Bundling isn't just for home and auto insurance anymore. Walmart and Sam's Club are taking a similar approach, giving shoppers a way to save by combining two memberships.

Launched on October 20, the new bundle combines Walmart+ and Sam's Club Plus for $120 a year. Purchased separately, the memberships would cost $218 annually, making the bundle a potential $98 savings.

With holiday shopping around the corner, the timing couldn't be better for shoppers looking to stretch their budgets. But before signing up, here's what you need to know about the benefits, savings and a few catches worth considering.

What if you already have a Walmart+ or Sam's Club membership?

If you're already paying for Walmart+ or Sam's Club, you don't have to wait until your membership expires to take advantage of the new bundle. Walmart is offering several upgrade options, depending on which membership you currently have.

For households that regularly shop at both retailers, this could mean keeping the benefits they already use while paying less each year.

Here's how the membership options compare:

Is the new membership worth it before the holidays?

For households that regularly shop at both retailers, the new bundle could be an easy way to save without changing shopping habits. Buying groceries in bulk at Sam's Club and picking up everyday essentials at Walmart can be especially useful during the holidays, when grocery bills and to-do lists tend to grow.

My family already has memberships at both retailers, and we've found having both worthwhile. With a busy household and both stores nearby, we have the flexibility to shop where it makes the most sense.

There are a few catches to consider, though. Free scheduled delivery requires a minimum $35 order at Walmart and $50 at Sam's Club. The 2% Sam's Cash benefit applies only to eligible purchases, and the new bundle doesn't come with a free trial. It also renews automatically each year unless you cancel.

Before switching, check how you're currently paying for Walmart+. The American Express Platinum Card® and and the American Express® Business Gold Card offer statement credits that cover the monthly Walmart+ membership fee, up to $155 annually.

Switching to the new annual bundle means losing those credits. Members receiving discounted memberships through AARP, USAA or other promotional offers could also lose their existing savings. Check your benefits before making the switch.

Ultimately, the $120 bundle makes the most sense if you already shop at both stores or plan to use the benefits regularly. Consider how often you visit each retailer, whether you'd use the delivery services and what you're currently paying for memberships. The potential $98 savings is appealing, but only if you're getting your money's worth.

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A drafty window doesn't just represent a chilly room. Think of it as a vacuum, sucking your home's energy and your money out the window.

This comes at a time when some households will pay more for energy over the winter. The U.S. Energy Information Administration recently released its winter fuels outlook for 2026-27. In it, the EIA states that homes using natural gas and propane as the primary heating fuel will face lower prices this year.

Meanwhile, homes using electricity can expect prices to climb around 4%. Fortunately, a pocket thermal camera can pinpoint exactly where your home is bleeding money, so you can reduce energy waste regardless of the heating source.

How does a pocket thermal camera work?

Many pocket thermal cameras connect to your smartphone through a USB-C port or are handheld. The camera detects heat signatures through infrared radiation and converts them into a color-coded map.

Here are three to consider. I picked these due to their higher customer ratings, versatile features and ease of use:

What makes these devices so helpful is that they can detect energy waste around your home. You can run them around your home's doors, windows, electrical panels and HVAC to see if there are significant temperature differences.

As you scan the area, it assigns different colors to temperatures. Red, orange or white indicate hotter areas, while blue, purple or black indicate cooler areas. Once complete, it creates a thermogram you can view on the camera or your smartphone's screen.

So, what does this mean? The tool helps you detect temperature differences in key areas of your home. If you run it over your window and that area is blue while the rest of the room is orange, you could have a window leak. If you've never used one before, I'll show you how to test your home.

How to scan your home for energy waste

Here's how to conduct a thermal scan of your home's key energy waste zones:

• Windows: Stay a few feet back and scan the outer frame, window sash and pane edges. As you scan, watch the map for blue or purple zones, indicating drafts or faulty seals.
• Exterior doors: Trace the door's perimeter, focusing on the weatherstripping, threshold (the horizontal strip at the bottom of the door) and bottom sweep, where cooler air creeps in.
• Electrical panels and outlets: Scan outlets and light switches for any signs of drafts. For the main breaker panel, look for hot zones, which can indicate poor wiring or electrical overload.
• HVAC ductwork and vents: Point the camera at the return and supply vents as the system runs to ensure the airflow is evenly distributed. For ductwork, run the camera to find any disconnected joints or insulation gaps.

I found problems; how do I fix them?

Fixing a drafty window or door is relatively simple. For windows, apply weatherstripping or caulking to improve insulation. For doors, inspect the weatherstripping every fall and replace it when it shows wear.

The door sweep is another key. When it flattens, remove it, measure the door width, cut a new one from U-shaped vinyl, and slide or screw it into place.

The threshold may also need adjusting over time, especially if you notice a gap at the bottom of the door. Turn the screws to raise or lower the plate until it aligns with the door sweep.

For electrical issues, I always recommend contacting a local electrician. They can inspect your wiring and load to determine why parts of your panel overheat.

For HVAC ductwork, seal leaking joints with duct sealant (mastic) or foil tape, and wrap uninsulated ducts in exposed areas, such as attics, with duct insulation. These steps can prevent thermal loss and lower your energy bills.

Maximize your winter savings

A pocket thermal camera can take the guesswork out of winterizing your home by showing you where leaks are. By detecting invisible drafts, gaps and insulation failures early, you can make repairs that lower your heating costs while keeping your home warm and cozy all winter long.

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The most recent CPI report shows inflation reached 3.7% year over year in September. That's up from 2.4% in February, when the war in Iran began. While consumers have noticed the impact of the Iran war most when it comes to rising gas prices, the effects have been felt in other areas of household budgets as well, from airfare to food.

That's driven primarily by the rising oil prices resulting from the Strait of Hormuz closure. Brent crude oil was selling for $72.87 per barrel on the eve of the war (February 27). By March 20, it had soared above $112. After briefly dipping back down to its pre-war prices in July, it quickly shot back into the triple digits by August and is now trading above $109 in October.

As we near the end of the year and the war drags on, the Iran conflict continues to have a ripple effect on the economy. But just how much have prices changed for Americans since the war began on February 28? And how much longer should you expect costs to remain high? Here's a look at the data to help you anticipate where your budget is being hit hardest.

Gasoline and diesel skyrocketed since the start of war in Iran

Gas prices are up more than 46% since the war began, with the national average jumping from $2.93 on February 23 to $4.29 on October 19, according to AAA. That makes sense, as gas prices are determined primarily by crude oil prices, which make up over half the cost you see at the pump.

That also means that the price you pay can rise and fall quickly in response to changing oil prices. So this is one cost that could come down relatively fast if the conflict were to end.

Diesel prices have also skyrocketed, jumping 66% in the same time period. Even if you don't own any diesel-powered vehicles or equipment, nearly 80% of U.S. farm products will end up on a diesel-powered truck at some point in their journey from the farm to your table.

Likewise, the vast majority of the products you buy are transported on diesel-powered trucks. So nearly everything you buy is going to be impacted to some degree by those soaring diesel prices.

Heating oil and natural gas prices increased since the war in Iran

As we head into winter, you'll also start to see the impact of the war on your heating bill. Home heating oil prices have more than doubled from January to September of this year, soaring 128% since the beginning of the year, according to data from the Federal Reserve.

Similarly, residential natural gas prices jumped 77% from February to July, the most recent month for which data is available from the U.S. Energy Information Administration. Granted, this follows a similar trend of seasonal natural gas price fluctuations in previous years, so it remains to be seen whether prices will fall as they typically do going into fall and winter.

With those utility bill spikes in mind, now is a good time to compare your current rates for electricity and gas and make a plan for heating your home this winter. For example, if your rates have risen dramatically, this could be a good year to invest in an electric heater that you can move from room to room with you rather than heating the entire house.

You should also take this time to check in on your setup with your current provider. It may be worth shopping around and seeing what companies' fixed-rate price options are, although it's hard to predict if locking in a rate will be worth it since we don't know what will happen with the conflict.

Grocery prices changes since the war in Iran

The Bureau of Labor Statistics food at home price index has only shown a slight uptick so far, rising 1.1% since the start of the war. Overall, it's up 5.2% since Donald Trump took office in January 2024 and nearly 32% since the start of the pandemic in 2020.

Grocery prices have been an increasing strain on American wallets for years now, and the impact of the Iran war is likely not fully accounted for in today's costs yet, meaning more inflation is likely to come.

Why will the Iran war impact your grocery bill? Fertilizer, pesticides and feed are all dependent on either materials derived from petrochemicals (like urea in fertilizer) or supply chains that require transit through the Strait of Hormuz. Fertilizer alone accounts for roughly 30% of the cost of producing staple crops like corn and wheat. In turn, animal feed, which is typically made up of corn or soybeans, represents at least 60% of livestock production costs.

That means every item on your plate is being impacted by rising oil prices and the closure of the strait. Tack on those soaring diesel prices when it comes time to transport that food to your nearest grocery store, and you're looking at even higher costs.

Between rising fertilizer and diesel prices, S&P Global anticipates just about every major food product could see even higher price hikes going into next year as the crops treated with this year's more expensive fertilizers become ready to harvest.

Airfare and other travel has gotten more expensive

Jet fuel prices have nearly doubled since February, reaching $192.44 per barrel this month, according to the International Air Transport Association (IATA). The IATA estimates that jet fuel alone accounts for about 30% of an airline's operating costs.

For consumers, that means rising ticket prices. The consumer price index for airfares shows ticket prices rose nearly 17% from January to September. The airfare price index is now even higher than it was after the oil price shock of 2022 following the Russian invasion of Ukraine.

It might not just be your plane ticket that gets more expensive, either. Uber and Lyft have in the past added temporary fuel surcharges to the price of a ride when gas prices soar dramatically. While neither rideshare service has announced such a surcharge this fall, it is something to watch for as fuel prices remain elevated.

Brace for prices to remain high even after the war

While the price of oil can rise and fall quickly on each development in the war, the downstream effects on prices take a little longer to show up and longer to level out again. So, even if the U.S. and Iran strike a deal tomorrow, you should still budget for conflict-related inflation to continue for at least another year or two.

According to the Federal Reserve, every permanent 10% increase in the price of Brent crude oil leads to a 0.4% rise in the consumer price index. This "pass-through effect," as the Federal Reserve calls it, can be slow to materialize, but also long-lasting. While some costs might be quicker to come back down – like gas prices – others will likely take longer to stabilize, like food prices.

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Kelly Clarkson might be known as the first American Idol, but when shopping in New York this month, she felt more like Julia Roberts in Pretty Woman.

"Just drove all the way to Brooklyn to check out this store I thought looked really rad and had a few things in mind to buy and literally was looked at as if I couldn't afford it and was told he could find something comparable for me," she posted online. "Wow, dude. You're an idiot and just lost a huge sale."

She then went on to, as they say on the internet, name and shame the store, calling it out specifically as Art of Play. Art of Play has since responded to the incident, saying that Clarkson was inquiring about an item — "a one-of-a-kind singing and dancing bird automaton" named Molly — that, they say, is not for sale. The store added that "whether someone comes in to make a purchase or simply look around for a while, they are equally welcome."

This being modern times, uproar over the Kelly Clarkson-Molly bird debacle has fueled debate since the pop singer and TV host's initial post. Was she right to be offended? Was she right to post online? Was the store right to push back on her version of the story? And what, exactly, makes Molly so special? (Once you see a video of the bird, honestly, that part makes sense.)

"People saying 'maybe he didn't know who Kelly Clarkson was' are missing the point that they should be treating their customers like everyone is Kelly Clarkson," wrote one user on X.

Others are calling out Clarkson for using her considerable platform to critique a small business. Art of Play itself had something to say about this, writing: "Imagine our surprise when our small local business was suddenly attacked by 8 million people who have never visited our store. It's been a surreal experience to be the focus of such widespread outrage after just one mention by a celebrity."

Seeking some clarity on the issue, I spoke with Lizzie Post, co-president of the Emily Post Institute and Emily Post's great-great-granddaughter. There's been so much public he-said-she-said that this is not about making a judgment call on anyone involved in this exact situation, but there are some lessons you can learn for any time you feel disrespected or mistreated while shopping.

Step one: Communicate (ideally without causing a scene)

While Post was admittedly tickled by the argument-gone-wild, she had some etiquette-inspired advice for what to do if you find yourself feeling like Clarkson. Whether you're a celebrity or not, you can always speak up if you feel that you're not being treated respectfully, Post said.

But that doesn't necessarily mean speaking up publicly. Instead, she suggests starting by asking to speak with a manager. If the salesperson says they are the manager, ask to speak with the store owner to give feedback on your experience.

"The more calm that you can remain when other people are either intentionally or unintentionally being jerks, the better off you are," Post said.

This isn't an opportunity to shout or vent off frustration. Rather, having a conversation brings the chance for growth and is a less embarrassing opportunity for correction and restorative action, Post explained.

"It's important to be able to forgive people for mistakes and understand that people aren't going to be their best all the time and to have a little grace around that," she said.

Sharing your experience publicly

Generally speaking, "you're within your right to share your experience about something," Post said, whether that's restaurant food not being up to standards, service being substandard, or work not being completed as scheduled. Often that happens via word-of-mouth, but in these modern times, that can also happen on online review sites.

(Posting online when you're a mega-celebrity can be a little tricky, and if you do happen to have a large following or platform, "being aware of the impact that that kind of a moment can have" is helpful to avoid drama.)

But before you hit the keyboard and post that scathing review, "I do think giving someone a fair shot to address the issue" is fair, Post said. Try to have a conversation about your experience and allow space for a reconciliation. But if you try that "and it's still a horrible experience, it's up to you" whether you leave a negative review.

And sometimes, it's just about choosing your battles. While Clarkson was frustrated by her experience as a shopper, we've all also heard stories about shoppers acting disrespectfully to employees. That is to say: On any given day, there's bound to be an argument or perceived slight between someone somewhere. If you've acted calmly and a reasonable attempt at understanding has gone poorly, you can simply choose to move on, avoid further escalation — and spend your money elsewhere.

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Our recent article about home warranty companies that promise to replace or repair your major appliances and HVAC systems — but have a nasty habit of telling subscribers to pound sand when their AC fails in 110-degree summer heat — got one heck of a response from readers all across the country.

Several (with a sense of humor) came up with mottos for their "disaster" that are hysterical, but we can't print them.

People who needed to have major home appliances — refrigerators, stoves, air-filtration systems — replaced with quality products but were given the run-around also called.

One told me, "We were referred to their own vendor's salespeople who had no product knowledge and would be happy to replace our item with a similar one that has a history of complaints and a high failure rate."

Sales presentation verified 'like with like' replacements

One couple had the foresight to record the sales presentation, which they played for me. They asked, "If you do replace an appliance, will it be the same or better than what we now have?"

The sales rep replied, "I have worked in insurance for years, and we do like-for-like replacements, which means, if not the same brand, it will be equivalent to what you now own."

That statement is likely false, as home warranty companies generally do not use "like for like" language in their contracts, but it sure sounds like a good reason to plunk down your money for what — often — is a bottomless pit.

"When they offered us junk as a replacement," the same couple said on our Zoom call, "our attorney played the recording for them, and all of a sudden, the company treated us correctly."

They, and others, suggested that an article could explain why it is important to establish a long-term relationship with people in appliance sales who consider themselves career professionals — in it for the long-term — and "not just after a quick commission, so you can obtain accurate and honest information."

Deal with a professional appliance salesperson

From people just starting out in life to families with children and grandchildren, the reality of homeownership is that, sooner or later, we all need to replace a fridge or other major appliance. When that becomes apparent, the first question usually is, "Where do I go for the best deal?"

I submit that is not the key question to ask.

Given the complexity and options available on today's washers/dryers, refrigerators, freezers, etc., guidance and personalized recommendations from a knowledgeable home-town appliance dealer's sales staff far outweigh saving a few dollars when buying from a "big box" store.

Often, if you ask a local dealer to match a price, they will.

Long-term, career appliance specialists offer customers distinct advantages, and I just happen to know two in my town — Adam and Ryan — who work at Urner's, a century-old, locally owned appliance retailer.

While Adam recently retired, my wife, Anne, and I considered him "our" go-to appliance guy because of the guidance he provided across the years. Now, Ryan is filling Adam's shoes.

I sat down to chat with them on this topic. Here is a summary of our discussion.

Adam: My job was never to just to sell you an appliance. I wanted to help you find the right fit for your specific lifestyle, kitchen dimensions, budget and so on. Especially with new customers, our interaction was all about having a meaningful consultation, not just quickly closing a sale. This means that I had to have, and customers need to probe, a salesperson's:

• Product and brand knowledge. How easy is it to use this washer? All brands have their own peculiarities that part-time clerks at a big-box store might not know, including details that could easily create issues for buyers, such as complex installation requirements, ventilation needs and warranty coverages.
• Long-term accountability. My business depended largely on referrals and repeat clients. If an appliance arrived damaged, or there were other issues, I would advocate for my customers to help bring about a positive resolution. I obtained so much new business because once the sale is made at many so-called discount stores, that's it! Customers could not count on the salesperson to help them resolve a problem.

When your fridge fails in the middle of summer

Ryan: I agree with all of Adam's points and will add something no one ever wants to see happening: Appliances fail at the worst times, and this past summer, so many did because of the heat waves.

With an established relationship, you don't need to drive to a showroom or research online, which be confusing. Instead, call your salesperson, explain what happened — and this is where the trust you have both developed pays off — they will find an appropriate replacement and jump through hoops to help you.

How to figure out who the career appliance salespeople are

In my experience of hearing complaints from customers of both big-box and independent appliance dealers, when employees are making a sale, they seem to care only about getting rid of inventory that earns them a commission or meeting a quota, and they often couldn't care less about after-sales support.

I recommend visiting showrooms that are run by independent dealers who carry a variety of brands. Ask to speak with the manager and just say, "May I ask for your help? I would like to speak with one of your career salespeople — someone who has been here for years."

That shows two things:

• You are a serious and informed customer
• You respect people who have one of the most challenging jobs — sales!

Dennis Beaver practices law in Bakersfield, Calif., and welcomes comments and questions from readers, which may be faxed to (661) 323-7993, or e-mailed to Lagombeaver1@gmail.com. And be sure to visit dennisbeaver.com.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

Shipping holiday gifts will cost more this year. The U.S. Postal Service (USPS) has temporarily increased shipping rates for its peak holiday season, with higher prices in effect from October 4, 2026, through January 17, 2027.

The seasonal increases affect USPS Ground Advantage, Priority Mail and Priority Mail Express. For example, shipping a five-pound package via Priority Mail in Zones 1 through 4 costs an additional $0.80, while sending a Priority Mail Large Flat Rate Box costs $2.10 more. The increases are even steeper for heavier packages, with a $20.80 surcharge on Priority Mail Express shipments weighing 26 to 70 pounds in Zones 5 through 9.

Although these increases are temporary, they can add up quickly if you're mailing multiple gifts. The good news is that a little planning and comparison shopping can help you avoid paying more than necessary to get your holiday packages delivered.

1. Don't assume Priority Mail is your cheapest option

Priority Mail offers faster delivery, but it isn't always the most affordable option. If your package isn't time-sensitive, choosing USPS Ground Advantage could save you money.

Priority Mail typically delivers packages within two to three business days, compared with two to five business days for Ground Advantage. Neither service guarantees delivery within those time frames, so allow extra time when mailing holiday gifts.

Before buying postage, compare USPS shipping options to find the best combination of price and delivery speed. You can also check discounted rates through services such as Pirate Ship, which offers access to commercial USPS pricing at no additional charge. USPS also offers commercial rates through its Click-N-Ship service, giving you another way to potentially lower your shipping costs.

2. Watch the size of your box

The size of your package can drive up shipping costs, even if it doesn't weigh much. USPS considers both weight and dimensions when calculating postage, and larger boxes can trigger additional fees.

For example, packages measuring more than 22 inches long or exceeding two cubic feet in volume may incur extra charges. Packages with a combined length and girth of more than 108 inches can also be subject to oversized pricing. USPS generally limits packages to 70 pounds and 130 inches in combined length and girth, with additional fees possible for packages that exceed those limits.

To avoid unexpected charges, choose the smallest box that safely fits your items, including any protective packaging. Measure and weigh your package before purchasing postage so you can compare rates and identify potential surcharges.

3. Don't automatically choose a Flat Rate box

USPS Flat Rate boxes make shipping simple because you pay a set price based on the box size, regardless of the package's weight or destination within the domestic service area, subject to USPS restrictions. However, that convenience doesn't always translate into savings.

If you're shipping a small, lightweight gift a short distance, standard Priority Mail or Ground Advantage may cost less than a Flat Rate box. That's because regular shipping rates depend on factors such as package weight, dimensions and destination.

For example, a medium Priority Mail Flat Rate Box costs $25.80 at retail, while regular Priority Mail rates start at $11.50. Before choosing Flat Rate packaging, compare the cost of shipping your gift in your own box. You may find that paying based on weight and distance is the better deal.

4. Compare USPS with UPS and FedEx

USPS isn't always the cheapest way to ship a package. Depending on its size, weight and destination, UPS or FedEx may offer a better deal, particularly for larger or heavier shipments.

All three carriers offer online shipping calculators that let you compare rates and estimated delivery times before purchasing postage. Be sure to compare similar delivery services, since expedited shipping can cost significantly more than standard ground delivery.

To see how prices compare, we checked shipping estimates from USPS, UPS and FedEx on October 9, 2026, for three packages traveling between Chicago, Illinois, and Sevierville, Tennessee. USPS offered the lowest retail rate for the small and medium packages, while UPS was the least expensive option for the large package.

You may also be able to save by purchasing postage online or scheduling a home pickup, depending on the carrier. Keep in mind that pickup fees and availability vary by service.

5. Ship early to avoid paying for speed

One of the simplest ways to save on shipping is to shop early and ship your packages before you’re short on time. Procrastination can leave you paying for Priority Mail Express or other expedited services to ensure your packages arrive before the holidays.

For expected delivery before Christmas, the USPS recommends sending your packages by specific cutoff dates:

• USPS Ground Advantage: Thursday, December 17, 2026
• First-Class Mail: Thursday, December 17, 2026
• Priority Mail: Friday, December 18, 2026
• Priority Mail Express: Saturday, December 19, 2026

If you’re shipping to or from Alaska, Hawaii, Puerto Rico, or the U.S. Territories, the cutoff dates are a day or two earlier.

Keep in mind that these cutoff dates are just recommendations and don’t guarantee delivery by Christmas, so it’s a good idea to mail Christmas presents and other time-sensitive packages as early as possible. Shipping early also gives you more flexibility to choose slower, less expensive services.

The bottom line on USPS holiday shipping

Higher holiday shipping rates don't have to put a strain on your budget. Choosing the right packaging, comparing carrier rates and mailing gifts early can help keep costs under control. Although USPS's seasonal price increases are scheduled to end January 17, 2027, shopping around and planning ahead can help you save on shipping year-round.

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You may want to start double-checking your receipt before leaving the store. Several recent reports involving major retailers show that the price you see on the shelf isn't always the price you pay at checkout.

A September Guardian investigation found pricing discrepancies at 7-Eleven and Circle K locations, including instances where shoppers were charged more than advertised. Earlier this year, TikTok creator Jimmy Wrigg also raised questions about Walmart's packaged meat after finding products whose labeled weights appeared higher than their actual weights.

More recently, Five Below reached a $179,500 agreement with Michigan to resolve allegations involving scanner overcharges and problems displaying prices at some stores. Five Below did not admit wrongdoing.

These cases involve different circumstances and don't necessarily suggest intentional overcharging. But they offer a good reason to pay closer attention to what rings up at the register.

How you could end up paying more than expected

Pricing errors can happen in several ways. A shelf tag might not match the register price, or a sale price may fail to ring up correctly. Digital coupons, loyalty discounts and buy-one-get-one promotions can also fail to apply as expected.

Products sold by weight present another opportunity for errors. Meat, seafood and produce may be incorrectly weighed or labeled, resulting in a higher total price.

Packaging matters, too. "Tare" refers to the weight of packaging or containers that should be excluded from a product's net weight. If the appropriate packaging weight isn't deducted, you effectively pay for the packaging as part of the product.

Which price does a store have to honor?

There isn't one nationwide rule requiring every U.S. retailer to honor the shelf price when it differs from the register price. Instead, states have their own pricing laws, while state and local weights-and-measures agencies typically enforce retail price accuracy.

Some states give shoppers additional protections. Michigan's Scanner Law, for example, allows shoppers who are charged more than the displayed price to receive the difference between the displayed price and the amount charged, plus a bonus of 10 times that difference. The bonus must be at least $1 but no more than $5. Shoppers must have a receipt showing the overcharge and notify the seller within 30 days.

California generally requires retailers to charge the lowest posted, quoted or advertised price for which the shopper qualifies. However, an overcharge doesn't automatically mean the shopper gets the item for free.

Massachusetts has additional protections for covered grocery and household products. Depending on the retailer's pricing system and the item's price, an incorrectly scanned product may be free or discounted.

Because the rules vary, check your state's requirements rather than assuming a policy you've encountered elsewhere applies. The National Institute of Standards and Technology (NIST) provides information on state pricing laws and weights-and-measures agencies.

How to catch pricing errors before you leave the store

You don't need to audit your entire shopping cart to reduce your odds of overpaying. A few simple habits can make errors easier to catch.

Start by watching the screen as your items are scanned. Pay particular attention to higher-priced purchases and items you specifically chose because they were on sale.

Before walking out, spend a minute reviewing your receipt. Look for prices that seem higher than expected, duplicate charges and promotions that weren't applied. If you loaded digital coupons or used a loyalty account, confirm that the expected savings appear on the receipt.

It can also help to check unit prices while you're shopping. Unit pricing shows the cost per ounce, pound or other unit of measurement, making it easier to compare different package sizes. Just remember that a correct unit price won't protect you if the package itself has been incorrectly weighed or labeled.

For expensive meat, seafood and other products sold by weight, take a closer look at the label. Check the weight, price per pound and total price to make sure the numbers make sense together.

Finally, if you're buying an item because of a sale or promotional sign, take a quick photo of the shelf tag, especially if the offer has several conditions. That gives you something to reference if the register shows a different price.

What to do if you've been overcharged

If you notice the discrepancy before leaving, your first stop should be the cashier or customer service desk. Show your receipt and explain the price you expected to pay. In many cases, the store can verify the shelf price and issue a refund for the difference.

Keep your receipt and, when possible, take a photo of the shelf tag or advertisement showing the lower price. If a digital coupon or app offer is involved, a screenshot can also help document the promotion and its terms.

It's also worth asking whether the retailer has its own price-accuracy or scanner policy. A store may voluntarily offer a refund, additional discount or free item beyond what state law requires.

If the retailer doesn't resolve the problem, or you notice what appears to be a recurring pattern, you can contact your state or local weights-and-measures authority.

NIST maintains a directory of state weights-and-measures directors, along with contact information for the appropriate agencies.

Local authorities may also conduct inspections to determine whether a retailer is complying with price-verification and weighing requirements.

A few seconds at checkout could save you money

A $1 discrepancy may not seem worth worrying about when you're trying to get through the checkout line. But small overcharges can add up, particularly on groceries, gas and convenience-store purchases you make regularly.

You also don't need to approach every shopping trip assuming something will go wrong. Most purchases will likely ring up just as expected. Instead, make a quick receipt check part of your normal shopping routine.

Know roughly what the items in your cart should cost, pay extra attention to sales and products priced by weight, and check your receipt before you head home. A minute or two of extra attention can make it much easier to catch a pricing mistake while you're still in the store.

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Amazon Prime Big Deal Days 2026 kicked off today — but so did a bunch of competing sales events from Amazon's major rivals. So, if you're looking to save on any big-ticket tech purchases on your wish list, now is a great time to find a deal. The trick is figuring out exactly which retailer's sale you should be shopping.

Ultimately, you should check prices across multiple retailers for whatever you are buying to find the best deal. But, as you'll see below, you also need to read the product pages closely.

In some cases, for example, the bundle deals vary in exactly what you're getting in the bundle at each retailer. In other cases, opting for the lowest price might mean taking a risk by buying from a third-party seller. So read through to find out what you might be trading by choosing one retailer's deal over another.

Save $100 on Arlo Pro 6 Home Security Cameras

If you're looking for DIY home security upgrades, the Best Buy three-camera bundle is the best deal if you're starting from scratch. It comes with a charging station and four rechargeable batteries.

Neither Amazon nor Walmart offer a bundle like this. The deals I've listed below for comparison are for the cameras themselves. If you went with either of these options, you would still need to buy a charging station and any spare batteries you might want.

With that said, if you already have a couple of Arlo cameras and a charging station, the camera-only deals at Amazon could be a better deal for you. There, you're getting four cameras for $190 compared to just three cameras for a little over $180 at Walmart. That's a full extra camera for just $10 more.

• Get three Arlo Pro 6 cameras with charging station and four batteries for $199.99 at Best Buy
• Get four Arlo Pro 6 cameras for $189.99 at Amazon
• Get three Arlo Pro 6 cameras for $180.98 at Walmart

Save 36% on the Yale Assure Lock 2 Fingerprint Keypad

Boost home security without having to remember lock codes with the Yale Assure Lock 2. It comes with a fingerprint scanner so you can just scan and open. But there's still a keypad so you can provide custom codes for visitors.

Right now, the Walmart option is $2 cheaper than Best Buy for what appears to be the same device — albeit only in satin nickel. If you look closely at the listings, the models are also slightly different.

At Best Buy, the model is YRD420-F-WF1. At Walmart, it's listed as YRD430-F-WF1. In reviewing the product descriptions for both, I can't find any meaningful differences between them.

So it's going to come down to your style preference. You can find three different finishes at Best Buy, all on sale for the same $189 price. At Walmart, only the satin nickel finish is on sale.

• Get the Yale Assure Lock 2 Fingerprint Keypad for $187 at Walmart
• Get the Yale Assure Lock 2 Fingerprint Keypad for $189.99 at Best Buy
• Get the Yale Assure Lock 2 Fingerprint Keypad for $230 at Amazon

Save $110 on the Vantrue N4 Pro Dash Cam

A dash cam is one of the best investments you can make for your car. In an accident, the video evidence will be crucial in determining who is at fault. In a hit and run, you'll have video evidence to help the police find the driver so you can file a claim.

While the price tag on the Vantrue N4 Pro dash cam looks lowest at Walmart, there is an important catch. The kit doesn't come with the 128 GB memory card that you're getting when you buy it from Best Buy. There also doesn't appear to be an option to have it professionally installed, which you can do at Best Buy for an added fee.

The same applies to the Amazon deal. There's no memory card included and professional installation doesn't seem to be an option. It's also not as deeply discounted.

• Get the Vantru N4 Pro with a 128 GB memory card for $269.99 at Best Buy
• Get the Vantru N4 Pro without a memory card for $265.99 at Walmart
• Get the Vantru N4 Pro without a memory card for $299.99 at Amazon

Get $400 off on the Shark PowerDetect 2-in-1 Vacuum and Mop

At Best Buy, the Shark PowerDetect 2-in-1 vacuum and mop is on sale for $599.99 and the "comparable value" is listed at $999.99. That means you're saving $400. At Walmart, you'll pay about the same price, but it is sold by a third party seller rather than Walmart. With the price being equal, your best bet is to go for Best Buy where you can buy it directly from the retailer.

You'll notice that Amazon is listed at about $200 below the price offered at either Best Buy or Walmart. But that model is slightly different. It's an AV2800ZE compared to the RV2820ZE at Best Buy.

From the best I can gather, the AV refers to models packaged and sold exclusively by Amazon while the RV refers to the retail model sold directly by Shark and by certain retailers (like Best Buy).

What differences exist between a 2800ZE and a 2820ZE are unclear, but the $200 price difference suggests there's something different. For what it's worth, the AV2820ZE at Amazon is selling for over $680 and only available from third party sellers.

• Get Shark PowerDetect 2-in-1 for $599.99 at Best Buy
• Get Shark PowerDetect 2-in-1 for $599 at Walmart (from a third party seller)
• Get Shark PowerDetect 2-in-1 for $399.99 at Amazon (but confirm the features you want are there as the model number is different)

Get 54% off the Lenovo IdeaPad Slim 3 Chromebook

If you're looking for a budget-friendly yet reliable laptop, there are a lot of great deals right now, especially at Best Buy. This Lenovo IdeaPad Slim 3 Chromebook, for example, is on sale for just $189 at Best Buy. That's over half off of the comparable value of $419.

That's by far the best price across all three retailers and it's the only option that isn't sold by a third party seller.

• Get the Lenovo IdeaPad Slim 3 for $189 at Best Buy
• Get the Lenovo IdeaPad Slim 3 for $237.97 at Walmart (from a third party seller)
• Get the Lenovo IdeaPad Slim 3 with 512 GB of external storage for $332.49 at Amazon (from a third party seller)

Save $70 on the Apple AirPods Pro 3

Right now, you can save $70 on a new pair of Apple AirPod Pro 3 headphones at Amazon, Walmart and Best Buy. All three retailers ship and sell the popular headphones directly so you aren't dealing with a third party seller no matter where you buy.

If you know you're going to grab these, add them to your cart wherever you prefer to shop — or wait until you browse other deals and just add them to your order after you decide which sale you're shopping.

• Get Apple AirPods Pro 3 for $179 at Amazon
• Get Apple AirPods Pro 3 for $179 at Walmart
• Get Apple AirPods Pro 3 for $179.99 at Best Buy

Save 50% on the Beats Studio Pro

The story for Beats Studio Pro is similar to the AirPods. They are 50% off at all three retailers. And you are buying directly from the retailer in all three cases.

The one caveat: if you prefer the matte white style (or you aren't picky about color), that one is available for an even deeper discount at Walmart right now. You can get a pair there for just $119.

• Get Beats Studio Pro for as low as $119 at Walmart
• Get Beats Studio Pro for $149.95 at Amazon
• Get Beats Studio Pro for $149.99 at Best Buy

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The iPhone 18 Pro is here, and it's a stellar upgrade. The new phone delivers 24 hours of battery life with regular daily use, so you're not tethered to your charger.

Do you love taking pictures? The variable aperture and pro controls allow you to capture more creative shots. Overall, the phone offers excellent battery and camera features, making it worth a closer look.

If you're looking to upgrade from your current model, you're in luck, as all the major carriers offer it for free. But "free" comes with strings attached, typically requiring an eligible plan and long-term commitment to receive the full promotional credits. However, is that the right play? I'll break down why getting a free phone from a major carrier isn't really free, and a cost-saving alternative.

Your phone is never free through major carriers

Major carriers like AT&T, T-Mobile and Verizon make it easy to transfer service or upgrade devices with little to no out-of-pocket expenses. The problem? You have to sign up for a more expensive plan to earn the incentive.

T-Mobile offers the iPhone 18 Pro for free with the Experience Beyond 2.0 plan. This plan is $100 for one line, $170 for two. If you're 55+, you qualify for T-Mobile's senior plans, lowering the costs to $85 for one line or $130 for two.

To be fair, this plan packs ample perks, such as a five-year price-lock guarantee, free ad-supported plans for Hulu and Netflix and unlimited premium data. But if you don't need many of those perks, you'll overpay.

Because the other aspect of earning a "free" phone is that you must keep service for 36 months. For a free iPhone 18 Pro from T-Mobile, your out-of-pocket costs for three years on the plan alone will be…

• $3,600 for a single-line subscriber
• $6,120 for two lines
• $3,060 for a 55+ plan for one line
• $4,680 for two 55+ plans

Sounds expensive? Because it is. Verizon offers a free iPhone 18 Pro with its Unlimited Plus Plan for $80 per month. Meanwhile, AT&T offers the best iPhone 18 Pro deal with the AT&T Value 2.0 plan for $50.

Now, let's compare another option.

Own the phone instead of a plan owning you

Another option is to purchase the iPhone 18 Pro outright. This is a pretty penny upfront, as the base model starts at $1,199. Yet, once you buy the phone, you can use whichever cell service you want, without locking into a multi-year commitment.

If you want a bare-bones cell phone plan with unlimited texting and calling and some high-speed data, you don't have to settle for more expensive plans. Instead, you can use a service like Mint Mobile, where plans start at $15 per month.

Striking a balance between perks and value

Most people don't need the most expensive plan cell phone providers offer, but you want a steady baseline of perks.

Here's a breakdown of the basic plan each carrier offers, its cost, and how much it would be to purchase the iPhone 18 Pro outright and use these plans for the same three years:

Therefore, buying your iPhone 18 Pro outright not only gives you more flexibility to choose a plan that fits your needs, but it could also save you hundreds of dollars over three years.

How trade-ins factor into the math

You'll likely be upgrading from an older phone. Trading in an older device lowers the upfront cost of purchasing an iPhone 18 Pro, as major carriers provide monthly credits to offset some or all of the costs.

Keep in mind, though, that carriers typically spread these credits over a set period, often 24 or 36 months. If you cancel service before this time, you forfeit any remaining credits and must pay off the device balance.

One smart alternative is to work directly with Apple regarding your trade-in. This approach gives you an immediate discount and lets you choose your carrier and plan.

Ultimately, if you haven't upgraded your phone in a while and want better battery life, the iPhone 18 Pro is a smart option. Instead of getting it for "free" through your carrier, you can save thousands of dollars by purchasing it, then choosing a carrier and plan that fits your needs.

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When shopping for a wireless phone plan, the advertised price isn't necessarily what you'll pay. T-Mobile offers discounted plans for certain customers, including people 55 and older, military members, veterans and first responders, which could help lower your monthly cell phone bill.

The amount you can save depends on the plan and number of lines you choose, and you'll need to meet eligibility and verification requirements to qualify. Some discounted plans also include extras such as streaming benefits and mobile hotspot data.

If you're eligible for one of these T-Mobile discounts, here's how the plans compare and what to consider before signing up.

T-Mobile plans for customers 55 and older

T-Mobile’s 55+ plans are available to new and existing customers age 55 and older. Only the primary account holder needs to meet the age requirement. T-Mobile requires proof of age, such as a driver's license or passport.

T-Mobile offers three 55+ plan options:

• Essentials Choice 55 2.0: Includes unlimited talk, text and data, with 50GB of premium data. The regular price is $50 per month for one line, plus taxes and fees.
• Experience More w/ 55+ Savings 2.0: Adds unlimited premium data, 60GB of high-speed mobile hotspot data, Netflix Standard with ads and travel benefits. It also includes a five-year price guarantee and eligibility for phone upgrades every three years. The regular price is $75 per month for one line, plus taxes and fees.
• Experience Beyond w/ 55+ Savings 2.0: Includes additional benefits such as T-Satellite, unlimited premium data, Netflix Standard with ads, Hulu and unlimited mobile hotspot data. The regular price is $90 per month for one line, plus taxes and fees.

The 55+ plans are geared toward customers who need one or two phone lines. T-Mobile doesn't require an annual contract.

The savings can be significant, particularly on the more expensive plans. For example, Experience Beyond 2.0 regularly costs $105 per month for one line, while Experience Beyond w/ 55+ Savings costs $90. That's a difference of $15 per month, or $180 per year, before any additional discounts.

Military members and veterans may qualify for discounted plans

T-Mobile also offers discounted plans for military members and veterans. Eligible customers include active-duty military members, veterans, National Guard and Reserve members and Gold Star family members.

The eligible military member or Gold Star family member generally must be the primary account holder. You'll also need to verify your eligibility within 45 days of activating the plan. T-Mobile accepts several forms of documentation, depending on your military status, including a DD214, leave and earnings statement or military orders.

Military savings are available on Essentials Military 2.0, Experience More w/ Military Savings 2.0 and Experience Beyond w/ Military Savings 2.0. How much you save depends on the plan and number of lines you need.

For example, T-Mobile says military and veteran families with four lines can save $720 per year on its Experience plans compared with the equivalent regular Experience plans. Be sure to compare the total price and included benefits before choosing a plan, since your savings will vary.

First responders have another way to save

T-Mobile offers discounted plans for eligible first responders, including firefighters, EMTs and law enforcement officers. Active first responders, pensioned retirees and volunteers may qualify, as can parents, children and spouses of first responders killed in the line of duty.

The first responder must be the primary account holder and verify their eligibility within 45 days of activating the plan. T-Mobile may also require customers to reverify their status periodically.

T-Mobile offers three plans with first responder savings: Essentials 2.0, Experience More 2.0 and Experience Beyond 2.0. Savings vary depending on the plan and number of lines. For example, T-Mobile says families with four lines can save $720 per year on its Experience plans with First Responder Savings compared with the equivalent regular Experience plans.

Eligible customers on Experience More 2.0 and Experience Beyond 2.0 can also currently get T-Priority at no additional charge, a $7.50-per-month value. T-Priority gives first responders higher priority on T-Mobile's 5G network, including during periods of heavy network congestion. A compatible device and qualifying plan are required.

Look beyond the monthly price

Some T-Mobile plans include extra perks that can add value beyond wireless service. Depending on the plan, benefits may include Netflix or Hulu, travel perks, T-Mobile Tuesdays offers and a limited-time DashPass membership. Benefits vary by plan and may require activation.

These extras can make a more expensive plan more appealing, but only if you'll actually use them. For example, included Netflix or Hulu could help you save on streaming services if you already subscribe or would otherwise pay for them. Likewise, travel benefits won't add much value if you rarely travel.

When comparing plans, put a realistic dollar value on the benefits you'll actually use and ignore those you won't. Then compare that value with the difference in monthly cost. A plan with a long list of perks isn't necessarily a better deal if you're paying extra for benefits you don't need.

Check T-Mobile deals before you switch or upgrade

Beyond discounts for eligible groups, T-Mobile regularly offers promotions that could lower the cost of switching carriers or upgrading your phone. Before making a move, check the current deals, which may include:

• Device offers: T-Mobile regularly offers promotions on new phones, including some that provide a device at no additional cost through monthly bill credits when you activate a qualifying line or plan. For example, as of this writing, T-Mobile is offering a promotion on the iPhone 18 Pro. Eligibility and plan requirements vary by offer.
• Trade-in offers: If you have an eligible device, you may be able to trade in your phone and receive credits toward a new one. The value depends on the device, plan and promotion.
• Switching offers: New customers switching mobile carriers may qualify for additional incentives. For example, T-Mobile currently offers programs that can help eligible customers pay off a device financed through their previous carrier.

Your eligibility, plan requirements, credits and promotional periods affect the ultimate savings, so carefully read all of the fine print to understand just how much you might save.

Do the math before choosing a discounted plan

A discounted phone plan can lower your monthly bill, but the biggest advertised savings don't necessarily make a plan the least expensive option. A lower-tier plan could still cost less overall, particularly if you don't need the extra features and perks included with a more expensive plan.

Before signing up, compare the cost for the number of lines you need and check whether the advertised price requires AutoPay. Factor in taxes and fees, device payments and any other charges that could affect your bill.

Then consider the benefits you'll actually use. Looking at the total cost rather than the advertised discount can help you determine which plan offers the most value for your budget.

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With online threats such as identity theft, phishing and scams becoming more common, cybersecurity tools can provide an additional layer of protection for your personal and financial information. Surfshark may be best known as a VPN provider, but the company has expanded its offerings to include a broader collection of privacy and security tools.

Today, Surfshark offers antivirus protection, data breach alerts, private web searches, tools that limit online tracking and other security features. This guide explains Surfshark's major features, what they do and what to consider when deciding whether they fit your online privacy and security needs.

Keep in mind that cybersecurity tools can reduce certain risks, but they can't eliminate the threat of online scams, fraud or cyberattacks. Good security habits, including using unique passwords, enabling multifactor authentication and independently verifying unexpected requests, remain important.

What is Surfshark?

Surfshark launched its VPN in 2018, with a focus on giving users more privacy and control over their online activity. While the company now offers a broader range of security tools, its VPN remains at the core of its service.

A VPN, or virtual private network, creates a more private connection by routing your internet traffic through a remote server. In the process, it encrypts your traffic and masks your IP address, making it more difficult for third parties to track your activity while you browse.

Surfshark builds on that VPN protection with additional privacy and security features, depending on the plan you choose. It currently offers three plans:

• Surfshark Starter: Includes Surfshark's VPN and Alternative ID, which lets you use alternative contact information instead of sharing your primary details online.
• Surfshark One: Adds antivirus, data breach alerts and scam protection to the VPN and Alternative ID features.
• Surfshark One+: Includes everything in Surfshark One, plus identity theft coverage and personal data removal through Incogni.

A VPN can add protection when you're online

Surfshark's VPN is designed to make online activity more private by encrypting your internet traffic and masking your IP address. You can set the VPN to connect automatically, so your internet traffic is routed through the VPN without having to manually turn it on each time.

A VPN can also add a layer of protection when you're using public Wi-Fi at an airport lounge, hotel, coffee shop or other location away from home, where you may have less control over the network you're connecting to.

Surfshark allows you to use its VPN on multiple devices simultaneously, including smartphones, laptops and tablets.

Alternative ID can help you share less personal information

The more personal information you share online, the more places that information could potentially be exposed in a data breach. Surfshark's Alternative ID can help limit that exposure by giving you alternative contact information to use when you don't want to provide your primary details.

Alternative ID can generate an online name, email address and phone number to use for newsletters, promotions, online accounts and other websites. An autofill feature can enter those details for you, making it easier to sign up for discounts and offers without repeatedly sharing your primary contact information.

Using alternative information won't prevent identity theft or fraud, but it can reduce how widely your personal details are shared online and add another layer of privacy.

Surfshark Alert can flag exposed information

Surfshark Alert monitors for signs that your personal information has appeared in a data breach. Depending on what you choose to monitor, the service can alert you to exposed email addresses, passwords, addresses, credit card details and other identifying information.

Getting an early warning gives you an opportunity to respond. For example, if a password or email address is compromised, you can change your login credentials, review affected accounts for suspicious activity and take additional steps to secure them.

Surfshark Alert doesn't prevent data breaches or keep your information from being exposed. Instead, it helps you identify potential exposure so you can take action if your information is compromised.

CleanWeb can block ads, trackers and malicious content

Surfshark's CleanWeb feature blocks ads, trackers and potentially harmful content while you browse. It's available through the Surfshark VPN app and as a browser extension, which can provide protection even when you're not connected to the VPN.

Blocking trackers can limit how much of your browsing activity is collected, while filtering potentially malicious content may reduce your exposure to websites and other online threats designed to compromise your personal information. CleanWeb adds another layer of privacy and security, but it doesn't eliminate the risk of encountering scams or malicious content online.

Antivirus adds protection against malware

A VPN can help protect your privacy and internet traffic, but it isn't a substitute for antivirus software that scans your device for malware. Surfshark Antivirus adds that layer of protection by continuously scanning for viruses, malware and other threats.

Surfshark says its malware database is updated every three hours to help identify emerging threats. The antivirus also includes webcam protection on Windows and macOS, which can block camera access and alert you when an app or website attempts to use your webcam without permission.

Surfshark Antivirus has also been independently tested by AV-TEST. In its June 2026 Windows 11 evaluation, Surfshark Antivirus received 6 out of 6 for protection, 4.5 out of 6 for performance and 6 out of 6 for usability.

Surfshark Antivirus is included with Surfshark One and Surfshark One+, but not the Starter plan.

Know where Surfshark's protection ends

Surfshark offers many features to enhance your protection against online threats, but it's important to understand its limitations, too. A VPN, antivirus software or security tool cannot prevent every scam.

It's still possible to be tricked into sending money, sharing a verification code, providing account credentials or responding to a convincing impersonation attempt. That's why basic security practices remain important:

• Independently verify unexpected financial requests: If you receive a text or email asking you to transfer money, provide account information or take another financial action, verify the request through a trusted channel. Open your bank's app, type its website address into your browser or call a known number rather than using a link or contact information in the message.
• Use unique passwords: Create a strong, unique password for every account, particularly financial accounts. Avoid easily guessed information such as a pet's name or birthdate. If one password is exposed in a data breach, using unique passwords can help prevent criminals from using the same credentials to access your other accounts.
• Enable multifactor authentication: Turn on multifactor authentication when it's available. It requires an additional form of verification beyond your password, making it more difficult for someone to access your account with stolen credentials. When available, an authenticator app or passkey can offer stronger protection than verification codes sent by text message.

How Surfshark could fit into your online security

Surfshark’s tools, like Alternative ID, Alert and Clean Web, can all work together to boost your online security. Consider the protections you already have in place and the risks that you're most concerned about when deciding which tools and protections you may need.

For example, if you're mainly interested in protecting your internet connection, your needs will be different from someone who wants a full suite of antivirus, breach monitoring and data broker removal under the same service.

Surfshark's appeal is in its ability to combine several privacy and security tools in one ecosystem at an accessible price point. However, those tools work best as part of a broader approach to protecting your money and personal information online.

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Verizon is known for offering a variety of deals for wireless customers, and right now, the carrier is promoting several ways to save on your cell phone plan.

The right deal depends on whether you’re keeping your current phone, buying a new one or upgrading an existing Verizon line. Each option comes with different pricing, plan requirements and potential savings.

Before signing up, look beyond the advertised price. Comparing plan requirements, financing periods and the duration of promotional credits can help you understand the total cost and determine which Verizon deal could save you the most. Here’s how Verizon’s bring, buy and upgrade options compare and what to consider before choosing one.

Bring your own phone to lower your monthly cost

If you already have a phone you like, bringing it with you when you switch to Verizon could help keep your monthly costs down. Verizon's Simplicity plan normally costs $45 per line per month with Auto Pay, but new customers who switch to Verizon can currently get the plan for $30 per line per month with Auto Pay and the Switcher Discount.

The plan includes unlimited talk, text and smartphone data, access to 5G Ultra Wideband, 10 GB of high-speed mobile hotspot data per month and satellite texting. After you use the 10 GB of high-speed hotspot data, you can continue using your hotspot at speeds of up to 1 Mbps for the remainder of the billing cycle.

If you're looking for extra phone plan perks, Verizon also lets Simplicity customers add entertainment and other services. Options include Netflix and HBO Max, YouTube Premium and Apple Music Family, with some bundles costing less than purchasing the included subscriptions separately.

To qualify for the $30 promotional price, you'll need to switch to Verizon and enroll in Auto Pay. Taxes and fees are extra, so your actual bill will be higher. If you're bringing your own device, make sure it's unlocked and compatible with Verizon's network before switching. You can check your device on Verizon's compatibility tool.

For comparison, Verizon's Unlimited Welcome plan starts at $65 per month for a single line with Auto Pay and paper-free billing. At the current $30 promotional Simplicity rate, that's a difference of $35 per month, or $420 over a year. Keep in mind that the comparison depends on qualifying for the Simplicity promotional rate.

Buy a new phone when switching to Verizon

If you need a new phone, Verizon is currently offering discounts and financing on several popular smartphones. Here are a few deals to consider:

• Samsung Galaxy Z Fold8: Verizon is offering a $460 instant credit on the Samsung Galaxy Z Fold8, bringing the price down from $1,899.99 to $1,439.99. You can finance the phone for $29.99 per month for 48 months at 0% APR. New customers who qualify for Verizon's $30-per-month Simplicity promotional rate would pay about $60 per month for the phone and service, before taxes and fees.
• Apple iPhone 18 Pro: The Apple iPhone 18 Pro starts at $33.33 per month for 36 months at 0% APR. Customers who want to upgrade more frequently can choose the Phone + Flex Upgrade option for $50 per month. It allows you to upgrade after a year, or earlier once you meet the program requirements, and includes two monthly TravelPass Days, Premium Visual Voicemail and Global Choice.
• Samsung Galaxy S26 Ultra: Verizon is offering $340 off the Samsung Galaxy S26 Ultra, bringing the price down from $1,299.99 to $959.99. You can finance the phone for $26.66 per month for 36 months at 0% APR. Verizon also offers a $50-per-month Phone + Flex Upgrade option for customers who want the ability to upgrade more frequently.

As you compare these options, pay close attention to the financing and promotional requirements. Verizon offers multiple financing periods on some devices, so the advertised monthly payment can vary depending on how long you take to pay off the phone. While these financing options carry 0% APR for qualified customers, taxes and fees may be extra.

Also consider what happens if you leave Verizon before your phone is paid off. You may have to pay the remaining device balance, and any promotional credits tied to your service could end.

A discount of several hundred dollars on a new phone can be appealing, but the device price is only part of the equation. Compare the total cost of the phone and required service, and consider whether you will actually use the features included with the plan or upgrade option.

Upgrade your phone if you're already with Verizon

Verizon also offers upgrade and trade-in deals for existing customers. Eligible devices can include smartphones, tablets, smartwatches, basic phones, mobile hotspot devices and netbooks.

Depending on the promotion, Verizon may provide the trade-in value as an account credit, Verizon gift card or recurring bill credits spread over a specified period.

A large advertised trade-in value does not necessarily mean you'll receive the full amount upfront. If the value is provided through monthly bill credits, you may need to remain on an eligible plan for the entire promotional period to receive the full benefit. Before upgrading, review the offer terms, compare the trade-in value and consider whether the required plan and monthly cost make sense for how you use your phone.

Which Verizon option could save you the most?

How can you best save with Verizon deals? Bringing your phone may be best if you have a newer paid-off device and want to minimize your monthly costs with an affordable monthly plan. Buying a phone might be attractive if you’re planning to switch mobile providers, you need a new phone and you can qualify for a strong device promotional deal. Upgrading might make sense if you have a valuable trade-in, are already a Verizon customer and were planning to stay with Verizon.

As you explore the Verizon phone deals, be sure to compare the total cost that you’ll pay over the promotional period, not just the advertised phone price or monthly rate. Look for extra costs, like taxes and fees, that aren’t included, and make sure you’re choosing a plan that really makes sense for you.

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If you’ve been a Verizon Wireless customer for years, you may have come to like the mobile provider’s comprehensive network coverage and fast 5G speeds. But if Verizon’s plan prices are getting too steep for your budget, you may have an alternative: Visible Wireless.

Visible Wireless is a mobile virtual network operator (MVNO) that runs on Verizon’s network. Visible Wireless is known for its lower-cost unlimited prepaid wireless plans and transparent, straightforward pricing. Switching to the mobile carrier might allow Verizon customers to save money while still keeping the network they’ve used for years.

But switching to Visible Wireless doesn’t make sense for everyone. Before you leave Verizon, it’s important to understand if switching could actually lower your bill and what you might have to give up to save money.

1. Compare the cost

Let’s take a look at how the most similar Visible and Verizon plans compare in cost. The Visible base plan and single-line Verizon Simplicity plan are the most similar plans, so we’ll start by comparing them.

Verizon’s standard Simplicity plan price is $45 per month per line with Auto Pay and paper-free billing ($55 without Auto Pay). The $30 price currently advertised requires a $15-per-month Switch & Save or Bring a Number discount. It includes 5G Ultra Wideband coverage, 10 GB of mobile hotspot data and talk, text and data to Mexico and Canada.

The base Visible plan normally costs $25 per month, though eligible new customers can currently get it for $19 per month with a promotional offer. The Visible plan includes unlimited talk, text and data on Verizon’s 5G and 4G LTE networks and unlimited talk and text in Mexico and Canada. While Verizon’s Simplicity plan limits mobile hotspot use to 10 GB per month, the Visible plan includes unlimited mobile hotspot use.

If you need multiple lines, you'll want to compare the total cost carefully. Verizon's Simplicity plan normally costs $45 per line with Auto Pay, though qualifying lines can receive a $15 monthly discount. Visible plans are designed for individual lines, so you'll need a separate account for each line you want to move to Visible.

This is just a base comparison, and you’ll need to compare your current Verizon plan to a comparable Visible plan to see how much you might save. Don’t forget to factor in any discounts you currently receive from Verizon when calculating your potential savings.

2. Consider coverage and data

Though Visible uses Verizon's network, the service experience isn't necessarily identical. Customers on Visible's base plan may experience temporarily slower speeds when the network is congested because their data can be deprioritized behind other traffic. Speeds return to normal once network demand eases.

Pay attention to data, hotspot access and other important features, too. The base Visible plan includes unlimited data, talk and text. Visible+ includes unlimited premium data on Verizon's 5G Ultra Wideband network, plus 50 GB per month of premium data on 5G and 4G LTE when Ultra Wideband isn't available.

According to Visible, premium data isn't slowed because of data prioritization, which can help customers avoid the congestion-related slowdowns that may affect the base plan.

Visible+ normally costs $35 per month, though eligible new customers can currently get it for $29 per month. At the promotional price, you'd save just $1 per month compared with Verizon's promotional $30 Simplicity plan.

Hotspot access is another difference to consider. The base Visible plan includes unlimited mobile hotspot data at speeds up to 5 Mbps, while Visible+ increases hotspot speeds to up to 10 Mbps. Verizon's Simplicity plan includes 10 GB of high-speed hotspot data, with speeds reduced to up to 1 Mbps after that allowance is used.

Consider how you typically use your phone, including how often you rely on mobile hotspot data, when deciding which plan offers the better fit and value.

3. Look at what else you're getting

Visible offers lower-cost plans, but they don’t include some of the perks that Verizon offers. Though Visible offers deals like savings on plans when you purchase a year of service upfront, Verizon offers a more extensive selection of deals.

Verizon generally offers a broader selection of phone promotions and upgrade offers. Visible also offers device deals and financing, but shoppers looking for promotions on the newest phones should compare both carriers before switching.

The mobile providers also differ in customer service. Verizon has brick-and-mortar locations where you can receive in-person help, plus you can get help by phone or chat. Visible’s customer service is limited to online and chat options. Visible doesn’t operate brick-and-mortar locations, but its SIM cards are available at Best Buy stores.

All in all, you’ll have more options with Verizon, including a broader selection of plans that often come with more perks, like free streaming services. That doesn’t necessarily mean that a move to Visible isn’t worth it, though, especially if you’re paying for phone plan perks that you aren’t using.

Is switching from Verizon to Visible worth it?

If your priority is to lower your monthly phone bill and save on your cell phone plan, switching to Visible might make sense. However, Verizon may still offer a better overall value for families or customers who use its discounts and perks, or who plan to upgrade their phones more often.

Take some time to compare your actual bill and your potential annual savings. Think about how you use your phone and the services that are most important to you before you decide to switch to Visible.

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Nationwide, the average cost of full coverage car insurance sits at $2,244 per year while liability only coverage averages $1,176, according to insurance — comparison marketplace Insurify. But depending on which state you happen to live in, you could be paying as much as $1,300 more than that.

However, if you happen to live in one of these 10 states, your car insurance policy could cost you less than half the national average — even for full coverage.

Curious to see if your state ranks among those with the most expensive car insurance or the cheapest car insurance? Check the list below to see if you're in the lucky 10. While moving to one of these states just to save on car insurance may not make sense, if you've already been considering a move to one of these states, this could be one more thing to add to the "pro" column.

The 10 states with the cheapest car insurance

Based on the latest data from Insurify, the 10 states where car insurance premiums were lowest as of August are largely in the midwest and northern reaches of the country (with a few exceptions like Hawaii and North Carolina).

Of this list, three also boast the cheapest home insurance in the country: New Hampshire, Alaska, and Hawaii. For residents of these states, lower premiums for both home and auto insurance could help keep two major household expenses more manageable.

Whether you live in one of the cheapest states already or not, it's still a good idea to shop around ahead of every renewal to make sure you're always getting the best deal possible. To start, use the Bankrate-powered car insurance tool below:

Why is car insurance cheaper in some states?

If you don't live in any of the states above, you might be feeling like you are being unfairly overcharged for your premiums just because of where you live. But there are a few reasons that the state and even city that you live in can influence the premiums you pay to drive there.

Here are some of the factors that could be making it cheaper to insure drivers in the states listed above:

• Population density: Many of the states with the cheapest car insurance are also more sparsely populated (especially compared to the states with more expensive rates). Wyoming, for example, has the smallest population of any state while North Dakota and Alaska aren't far behind. With fewer drivers on the road, there are fewer chances for car accidents so insurers view these states as less risky.
• Coverage requirements: Some states have stricter minimum coverage requirements than others. This would primarily influence the cost of liability only car insurance, which is also generally cheaper than the national average in the states above.
• Cost of living: It's no coincidence that the states with the cheapest car insurance also tend to have a lower cost of living overall. Part of what goes into the rates insurance companies set is the cost of repairs. In lower cost of living areas, the labor costs for repairs can also be lower.
• Legal costs: Another factor companies consider is how likely they are to have to pay for legal fees and larger court-ordered payouts after serious accidents. Two of the states above are no-fault car insurance states which tends to result in fewer lawsuits — but also means you'll usually have to file a claim with your own insurance, regardless of who is at fault.

If you do live in one of these states but notice your bill is a little higher or lower than the numbers listed, that's because rates can be extremely localized. For example, someone inside Cheyenne, Wyoming — the state's largest city — might pay more than someone in a town an hour outside of the city because they're in the most densely populated part of the state.

You can use this information to make decisions about where you want to live if you're downsizing, finding the right balance between the lifestyle you want and the cost of living your retirement savings can comfortably bear.

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Affordability has emerged as a defining issue in many states this election cycle, and Texas, where Gov. Greg Abbott is seeking a fourth term, is no exception.

Abbott has placed property-tax relief at the center of his campaign agenda, while his Democratic challenger, state Rep. Gina Hinojosa, is offering a different approach: a one-time $1,500 payment to every Texas household, funded with $17 billion from the state's "Rainy Day Fund."

Although Texas is a no-income-tax state, the proposals come as Texans contend with higher costs across major household expenses. Over the past decade, energy prices in Texas have reportedly gone up 65%, housing costs 44%, and food prices 41%, according to an analysis by The Texas Tribune.

Abbott and Hinojosa have responded with competing proposals to put money back in Texans' pockets.

Their plans, however, take different approaches: Abbott wants to reduce an ongoing tax burden for homeowners, while Hinojosa wants to make a one-time payment to Texas households. Here's more to know.

Texas Gov. Abbott property tax plan

Gov. Abbott has proposed eliminating school property taxes for homeowners and placing additional limits on property-tax growth.

His five-point property-tax plan calls for limits on local government spending, two-thirds voter approval for property-tax increases, and greater authority for voters to roll back taxes.

He also wants changes to property-appraisal rules and a lower annual cap on homestead appraisal growth from 10% to 3%. His plan would also extend appraisal limits to additional property types.

Abbott's campaign says its broader affordability agenda could reduce property taxes by up to 50% and save the average homeowner roughly $3,000 a year.

(Those figures are campaign estimates. The amount an individual homeowner would save would depend on the property and the legislation ultimately enacted.)

The proposal follows property-tax changes enacted during Abbott's current term.

• Last year, as Kiplinger reported, Texas increased the general homestead exemption to $140,000, with a $200,000 exemption for seniors and disabled homeowners. (Those changes took effect for tax assessments impacting the 2025–2026 tax cycles.)
• State officials also said the 2025 changes would significantly reduce school property taxes for homeowners.

It's worth noting that eliminating school property taxes would affect how Texas finances public education since school districts currently receive substantial revenue from property taxes.

• The Tax Policy Center recently reported that Texas school districts collected about $42 billion in property taxes in 2024, with roughly 45% to 50% coming from homesteads.
• The center estimated that eliminating school property taxes on homesteads could create an annual revenue gap approaching $20 billion, depending on how the policy is structured.

That estimate is one reason the proposal is about more than the property-tax bills homeowners pay. Such a measure would also raise important questions about how the Lone Star State would replace the revenue.

Hinojosa $1,500 cash rebate proposal

Rep. Hinojosa, who represents Austin in the Texas House, has proposed sending $1,500 to every Texas household, at an estimated total cost of $17 billion.

Her proposal would use money from the state's Economic Stabilization Fund, known as the Rainy Day Fund. Hinojosa's campaign calls the payment a "corruption tax refund." But the proposal would be a one-time distribution from state reserves, not a refund of a particular previously paid tax.

When Hinojosa announced the proposal earlier this summer, her campaign said the Rainy Day Fund stood at nearly $25 billion and that the $17 billion distribution would leave roughly $10 billion.

• The Comptroller's current 2026-27 revenue estimate projects a $27.43 billion Rainy Day Fund balance for fiscal 2026 and $28.48 billion for fiscal 2027.
• Those figures are projections and assume no additional legislative appropriations from the fund.

Hinojosa's campaign notes on its Money in Your Pocket website that Texas has accumulated enough money in the fund to return some to residents, citing experts who say the Rainy Day Fund needs only about a $10 billion balance to remain fiscally responsible.

However, policy analysts at Rice University's Baker Institute for Public Policy note that pulling $17 billion from the Rainy Day Fund would require a legislative supermajority to clear statutory floor limits, and warn that injecting cash into consumers' hands could temporarily heighten local inflation.

More on affordability in the Texas governor platforms

Both Abbott's and Hinojosa's affordability agendas go beyond taxes.

For example:

• Gov. Abbott has proposed allowing developers to use home designs approved by at least three Texas cities without needing further approvals and enabling homeowners to build property additions.
• He has also suggested a $400 million roof fortification grant program, similar to an Alabama initiative, which his campaign has said could help lower homeowners' insurance costs.

Abbott wants to allow small businesses to offer health plans exempt from certain state insurance mandates, potentially expanding coverage for some uninsured Texans. He also proposes to cap monthly copayments for inhalers and epinephrine at $25 for state-regulated health plans.

Additionally, Abbott's "Keep Texas Affordable" initiative includes expanding competition in the electricity market by allowing consumers in Austin and San Antonio to choose retail electricity providers, which he claims could lower costs.

However, officials from Austin Energy and CPS Energy have reportedly expressed concerns that deregulating city-owned utilities might reduce municipal revenue and not ensure lower rates.

Meanwhile...Rep. Hinojosa has also called for a freeze on residential electricity rates until the state requires data centers and other high-load electricity users to pay for necessary infrastructure.

• Hinojosa proposes eliminating over $1 billion in state tax exemptions granted to data centers. She argues that tech giants should bear the full cost of their grid demands.
• In response to growing pressure over grid demands, Gov. Abbott recently directed the Public Utility Commission of Texas and the Electric Reliability Council of Texas (ERCOT) to review data center grid connections to ensure companies contribute to the power infrastructure.

Hinojosa also wants to restrict private-equity purchases of single-family homes. During the 2025 session, she introduced state legislation that would have prevented institutional investors from buying more than 10 single-family homes during a housing shortage.

On the high cost of groceries, Hinojosa has proposed banning so-called predatory surveillance pricing. The measure would prohibit retailers from using consumer data and algorithms to charge different prices based on what they know about customers.

Regarding healthcare, Hinojosa's campaign notes on its website that "Texas has the highest uninsured rate and the highest number of uninsured children in the country."

As a result, Hinojosa has proposed banning what she describes as bad-faith insurance denials and strengthening the state's rural hospital system.

Texas governor race: Bottom line

It's important to note that neither the property tax nor the cash rebate proposal is currently law, and Texans won't vote directly on Abbott's property-tax changes or Hinojosa's $1,500 payments on the November ballot.

So, the election results alone won't determine whether either tax measure eventually becomes a reality.

Instead, Texas voters will choose which candidate gets to champion these and other measures from the Governor's mansion for at least four years. Stay tuned.

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According to insurance-comparison marketplace Insurify, the national average cost of full coverage car insurance is $2,244 per year, while liability-only coverage averages $1,176 per year. But drivers in some states are paying thousands of dollars more than that national average to keep their car insured.

While there's not much you can do if you live in one of the 10 states below — aside from moving to another state with cheaper car insurance — it helps to know how your state compares to the average.

If you know you're in a more expensive state, you can be even more diligent about the rate-influencing factors that are in your control. For example, make your next car one of the cheaper models to insure or take a defensive driving class to earn a discount on premiums.

The 10 states that pay the most for car insurance

Based on the latest data fromInsurify, the 10 states that paid the most for car insurance in August are largely concentrated along the east coast, from Connecticut stretching down to Florida.

Whether you live in one of the most expensive states are not, the best way to keep your premiums under control is to shop around ahead of every renewal to see if you can find a better deal elsewhere.

Start that process using the Bankrate-powered car insurance shopping tool below:

What makes car insurance more expensive in some states?

You might already know that things like your driving history or your car's make and model influence your car insurance premium. But why would the state you're driving in matter to an insurance company? There are many reasons, but here are a few of the most common state-level factors that drive your premium up:

• Population density: Many of the most expensive states are also among the more densely populated. When you've got a lot of drivers packed into a smaller area, accidents become more likely compared to drivers cruising on the wide, open roads of, say, the Midwest (which is underrepresented on the top 10 list). Insurers see more densely populated areas as more prone to auto theft as well.
• Weather and natural disasters: Just as home insurance rates go up in more disaster-prone areas, so too, do car insurance rates. This will primarily affect your comprehensive car insurance as that's what you'd file a claim against if your car was damaged in a weather-related event. But it can also spike rates on the rest of your coverage as accidents become more likely in bad weather.
• Coverage requirements: Some states require higher levels of coverage than others. This can make even minimum coverage policies in one state pricier than full coverage in another state.
• Rates of uninsured or underinsured drivers: The share of drivers without adequate insurance can also affect insurance costs. Florida, for example, has one of the nation's higher rates of uninsured motorists. When an at-fault driver has no insurance or doesn't have enough liability coverage to pay for your injuries, uninsured or underinsured motorist coverage can help cover the difference. Higher rates of uninsured drivers can contribute to insurers' claims costs and, in turn, put upward pressure on premiums. Some states require drivers to carry uninsured or underinsured motorist coverage, while others allow drivers to decline it.
• Legal costs: If you file a lawsuit against the at-fault driver or their insurance company after a serious accident, you may receive a higher payout than you would through the initial claims process. In states where costly lawsuits are more common, insurers may spend more on legal fees and claim payouts. Many insurers pass those costs on to consumers in the form of higher premiums.
• Cost of living: Housing and groceries aren't the only expenses that tend to be higher in states with a high cost of living. Auto repair costs can also be more expensive, in part because of higher labor costs. When insurers have to pay more to repair vehicles after covered accidents, those higher claim costs can contribute to higher car insurance premiums.

While car insurance rates shouldn't be your main criteria for choosing which state you want to move to, they can be a useful way to narrow down your options or balance quality of life with cost of living.

Say you want to retire on the coast of Florida, for example. Since both home insurance and car insurance are significantly more expensive there, you might be able to enjoy a similar quality of life at a fraction of the price by heading to the gulf coast of Alabama instead.

The average rates can also vary substantially from one area of the state to the next. If you don't want to trade Florida for Alabama, moving to a less populated area within Florida could result in car insurance rates below the state average, for example.

Finally, you can use average rates as an indicator of what driving might be like in a state. If it's more expensive, that's because insurance companies expect to handle more frequent or more expensive claims. As a driver, that means you might need to be even more cautious than usual when you're behind the wheel to avoid an accident.

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With the official start of fall just a few weeks away, many homeowners are ready for the heat to let up and the electricity bills to go down. This is the ideal time to take a walk around the outside of your house and check for any lasting damage the relentless heat of summer might have caused this year.

While you may already be familiar with the risks of winter damage, like frozen pipes and leaky roofs, summer can also do a number on your home – and often the damage isn't immediately obvious unless you know what you're looking for.

If you haven't done an inspection since winter ended, now is a great time to check for these five signs of heat damage around the home and learn how to address them and which ones home insurance might cover.

1. Cracks in your foundation from subsidence

In some states, like Texas and Missouri, the threat heat poses to a home's foundation is already fairly well known. But in states that are still getting used to blistering hot summers, you might not even think to check for (or prevent) subsidence around your home.

Primarily a threat in clay-heavy soils, subsidence happens when soil expands with moisture during wetter or cooler months and then contracts during hot, dry weather. Over time, that cycle of expansion and contraction can cause cracks to develop in your foundation.

Foundation damage can show up as cracks around windows and doors as well as on the foundation itself. It might also show up as a window or door not shutting like it used to. In some homes, normal swelling and shrinking of wood from changing humidity can cause windows and doors to stick a bit. But if you notice them being even harder to open and shut than you're used to with the changing season, it could be a sign to get your foundation inspected.

This is important for homeowners to stay on top of because subsidence is usually categorized as "earth movement," which is typically excluded by standard home insurance. However, if you purchase earthquake insurance (which usually includes most common forms of earth movement), you might be able to get this covered.

To prevent this next summer, you may need to set a reminder to water your foundation during hot, dry weather. Typically, homeowners are advised to keep water as far away from their foundation as possible. But if you have heavy clay, you might be one of the exceptions.

Not sure if your soil is the kind that needs watering? Check around your home after a hot, dry spell to look for signs of cracked soil anywhere that you don't regularly water. Pay special attention to the soil along the edge of your home. If you can see areas where the soil has pulled away from your house, that's a sign that it shrinks and swells severely enough to require watering – even if you don't see any cracks in the foundation yet.

2. Siding distortion

Vinyl siding is an affordable and attractive option for upgrading your home. But it's also susceptible to melting (or distorting) in the heat. This is a bigger risk for siding that's facing a neighbor's window or other reflective surface, since this concentrates and targets sunlight on a specific spot for prolonged periods.

As you walk around the house inspecting your foundation and checking for cracks near windows and doors, check the siding while you're at it. Look for any patches that might look a little distorted or warped.

If you see any signs of distortion, the first step is to check the manufacturer's warranty if you happen to know the manufacturer. This kind of damage might be covered by the warranty if your siding is new enough to be under warranty. If not, you'll likely have to cover the repair out of pocket, as home insurance typically only covers siding distortion if it was caused by a covered peril (like a fire).

To prevent this next summer, identify any possible source of reflected sunlight that might have caused the distortion. If it's a neighbor's window, for example, you might be able to put up a temporary screen or plan to plant a hedge between your houses to block the reflected light.

3. Cracked or blistered roof shingles

Once you've finished your walk-around inspection, get up on the roof if you're comfortable doing so. If not, you can hire a pro to do the inspection. Your roof should be inspected twice a year: Once after winter, when the freeze-thaw cycle or heavy snow might have damaged your roof, and once after summer, when extreme heat and fluctuating humidity levels can cause shingles to crack or blister.

In both cases, damage may not be severe enough after a single season to cause leaking or other issues in your roof. But catching and repairing minor damage regularly can prevent more severe problems down the line.

Another reason to make those repairs now while they are still minor: Your home insurance probably won't cover it. As with siding, roof damage is usually only covered if the cause is a covered peril like hail or fire.

To prevent this next summer, you can apply a reflective sealant to shingles that protects your roof by bouncing solar radiation and UV rays back up rather than allowing them to absorb into the shingles. This can also block heat from entering the home, so you might also see lower cooling costs next summer.

4. Mold growth in your basement, bathrooms or other damp spaces

If you have a basement, you probably already know it's prone to dampness. The same is true for any room in your house that has plumbing, like bathrooms, kitchens, and laundry rooms. When you combine already damp spaces with the warmth of summer, you have a recipe for mold.

While at-home mold test kits might seem like the right move, they're not really that helpful. The amount of airborne mold spores can fluctuate dramatically from one hour to the next, so you might get a negative because you tested at a time when the spore count happened to be low. Those that test samples scraped from a surface are limited in use for the same reason. The small patch of wall you sampled might not have mold on it, but the patch two inches to the left might.

Instead, do a thorough visual inspection of the high-risk rooms in your home to look for the orange or black discoloration characteristic of mold growth. If you find visual evidence of mold but it seems minor, you can try cleaning the area with bleach or vinegar thoroughly. But continue monitoring the area periodically to see if the mold comes back. If it does, you might need to bring in professional mold remediators to find and fix the underlying source of the problem.

Whether or not mold remediation will be covered by your home insurance is a tricky issue. If the cause can be traced to a covered peril, like a burst pipe or water heater, you might be able to file a claim. If not, you might be out of luck.

To prevent this next summer, one option is to keep your HVAC system running all season long to keep humidity and temperatures under control. If the risk is only in certain rooms of the house, however, a more cost-effective option might be to get dehumidifiers for just those rooms. According to the EPA, maintaining humidity levels between 30% and 50% will prevent mold growth. As an added bonus, lower humidity also discourages pests like cockroaches and dust mites.

5. Spoiled food and damaged medicine

Even if you run the air conditioner, some parts of your home can end up hotter than others – such as a kitchen cupboard mounted to an exterior wall or a medicine cabinet in a bathroom that has no A/C vent.

Heat aside, summer is also a time when pests and mold spores are more numerous and more likely to find their way into your home.

You may have already started stashing some produce that you'd normally keep on counters in the fridge to prevent spoilage. But things like coffee, spices and vitamin supplements should all get moved somewhere cooler as well.

Now is the time to check for signs of spoilage or stale smells in all of your pantry staples and toss anything that seems suspicious. In your medicine cabinet, look for changes in color, texture or smell in your medicines, supplements and even cosmetics.

To prevent this next summer, make a list now of heat-sensitive items in your home that you'll move to a cooler, drier area. This can be as simple as moving them away from exterior walls and keeping them in a bin in a room that is air conditioned most of the day.

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Imagine strolling down charming cobblestone streets as the scent of hot-baked pretzels hangs in the air. Children zip past in crisp lederhosen, laughter echoes over the clink of heavy glass steins, and you duck inside a Bavarian-style shop expecting to hear a German greeting.

Instead, a local welcomes you in an American accent.

Each year, millions of Oktoberfest revelers skip the expensive transatlantic flights and long hours of air travel, opting for the authentic spirit of Gemütlichkeit (that cozy, welcoming cheer) right here in the United States.

If that's you, we're taking a look at how state tax policies compare across the country's top festival spots. Rounding up the ten most famous American Oktoberfest destinations, we've ranked them by their state's beer excise tax rate (the festival's official drink, and, hey — we're not complaining).

So pack your dirndls and warm up your polka: Here's where Alpine charm meets beer taxes on a budget.

Top Oktoberfests ranked by beer tax in 2026

To compare state beer taxes across top Oktoberfest spots, we used the 10 American destinations featured in Time Out magazine.

We then ranked them by their mandatory state beer excise tax rates per gallon, using the latest data from the Tax Foundation. The list utilizes a standard 12-ounce pour of a baseline imported 4.7% ABV lager.

Keep in mind that state excise taxes are built into the wholesale price upstream, providing a foundational baseline for beverage costs across each state. Thus, festival prices on the ground are also shaped by factors like local sales taxes, brewery selections, and souvenir packages.

However, this ranking offers a unique look at how state tax policy frames the nation's premier German celebrations — one stein at a time.

10. Helen, Georgia

State beer tax: $0.48

Dates: Sept. 10 - Nov. 1, 2026

As the longest-running Oktoberfest in the U.S., the festival in Helen, Georgia, has the most expensive state beer tax on our list, according to Tax Foundation data. Additionally, admission generally costs $5 to $25 per person per day (though entry to the Festhalle is completely free on Sundays).

But Helen is famously known for its Bavarian charm. Redesigned in the late 1960s to mirror alpine architecture, the festival is backdropped against the Blue Ridge Mountains, delivering picturesque fall foliage views along the Chattahoochee River.

Visitors can watch the festive Oktoberfest Parade on opening weekend, try holding their beer the longest at the annual Stein Holding Competition in October, or sip warm spiced apple ciders and rich wheat beers. Helen also offers a costume party on Halloween night and 12 to 16 rotating traditional bands inside the Festhalle over the nearly two-month-long celebration.

Thus, if you want to feel like you're in Germany this autumn without ever actually leaving the States, you might consider a surprisingly authentic Oktoberfest in America's South.

Want to be a little closer to the action year-round? Check out the 10 Cheapest Places to Live in Georgia.

9. Stowe, Vermont

State beer tax: $0.27

Dates: Sept. 19, 2026

The von Trapp Family Lodge & Resort Oktoberfest ranks ninth on our list, with a state beer tax of $0.27, per the latest Tax Foundation data. Ticket prices for the one-day affair are typically $80 per person and include an official souvenir mug, one beer pour, and a festive appetizer, entree, and dessert.

Musical fans and history buffs will especially appreciate the setting. Hosted by the real-life family that inspired the film "The Sound of Music", the resort brings an Austrian twist to the traditional festival. The event packs a full schedule of vibrant folk music, cask tapping, Steinholding contests, traditional outfit competitions, and — yes — plenty of singing.

Perched high above the town of Stowe, the lodge also has some of the prettiest scenery on our list, with panoramic views of Vermont's fall foliage. And while the festival itself is a single-day event, booking a weekend stay allows you to enjoy on-site brewery tours, crisp Austrian-style lagers, and cozy fireside retreats.

So you might want to check out von Trapp Family Lodge & Resort in Vermont for one of America's most unique Oktoberfests.

8. Leavenworth, Washington

State beer tax: $0.26

Dates: Oct. 2-3, 9-10, and 16-17, 2026

Taking place over three weekends in October, the traditional Oktoberfest of Leavenworth, Washington, ranks eighth on our list, according to the latest data from the Tax Foundation. Single-day tickets range from $20 to $40, with weekend passes costing about $55 per person (and kids 12 and under enter for free).

Framed by the jagged peaks of the Cascade Range, entering Leavenworth might just feel like you're stepping straight into a Bavarian postcard. Music is at the heart of the festival, with three stages featuring live performances from 6 p.m. to close each day.

The annual Festzug grand parade also marches through town every weekend, while stein hoists and costume contests run throughout the day. Plus, whoever rocks the best or funniest mustache wins a prize on Saturdays (so get your hair gel ready).

Those traveling with children will also love the dedicated "kinderplatz" play area chock full of classic carnival games and a 62-foot Ferris wheel.

Ergo, whether you like browsing street fair merchandise or jumping onto the dance floor with European headliners, enjoy Leavenworth this fall.

See also: 10 Cheapest Places to Live in Washington.

7. Frankenmuth, Michigan

State beer tax: $0.20

Dates: Sept. 17-20, 2026

Frankenmuth's Oktoberfest charges a state beer excise tax rate of $0.20, according to the Tax Foundation, and ticket prices are only $10 per person per day, though kids 15 and under are free (and Sunday admission is free as well).

Known as "Michigan's Little Bavaria," Frankenmuth was settled in 1845 and holds the distinction of hosting the very first Oktoberfest officially sanctioned by the City of Munich outside of Germany. For this reason, Germany’s world-renowned Hofbräuhaus München exported its beer to the U.S. and Frankenmuth for the first time in history.

The festival features live music, authentic cuisine, and beloved events like the Wiener Dog Races — where up to 100 dachshunds compete for glory. (And ribbons, trophies, cash, and a free hotel stay…maybe it's time to adopt a pet?)

Dog lovers will also appreciate that the festival is exceptionally pet-friendly, welcoming leashed pups throughout the outdoor grounds. Frankenmuth offers several walkable (and pet-friendly!) hotels downtown, meaning you and your pooch can enjoy Oktoberfest together.

Thus, if you're a fan of Germanic history and want to take your pup along for the ride, stay for select hotel access in Frankenmuth, Michigan.

6. Fredericksburg, Texas

State beer tax: $0.19

Dates: Oct. 2-4, 2026

Walk under a big tent and experience Fredericksburg, Texas Oktoberfest with remarkably low beer taxes — at just $0.19, according to the Tax Foundation. Ticket prices usually range from $1 to $20 (depending on your age and the day you go), and you can add an extra $10 for daily shuttle passes that run between Marktplatz, local parking, downtown shopping, and nearby county fairgrounds.

Rooted in 19th-century German immigrant heritage, Fredericksburg serves up genuine schnitzel and cold Hofbräu on tap alongside Texas Hill Country classics like spiced wines and warm mulled cider.

You might start your festival with the Saturday morning chicken dance, which is perfect for little ones who want to meet costumed feathered friends on the dance floor. Or, if you're feeling particularly energetic for the autumn air, sign up to walk or run the annual Oktoberfest Kraut Run (benefiting local youth and literacy programs).

With easy shuttles, endless steins, and plenty of Texas hospitality, Fredericksburg may be well worth the trip.

Looking to live nearby? Check out the 10 Cheapest Places to Live in Texas.

5. Cincinnati, Ohio

State beer tax: $0.18

Dates: Sept. 17-20, 2026

Celebrating its 50th anniversary this year is Oktoberfest "Zinzinnati" in Cincinnati, Ohio. With state beer taxes as low as $0.18, per the Tax Foundation, you might not break the bank celebrating here — after all, admission is free.

As America's largest Oktoberfest, this riverfront celebration welcomes nearly one million guests with colorful spectacles like the "World's Largest Chicken Dance" and the Running of the Wieners dachshund race. The festival also features over 30 live musical performances along with circus acts, competitions, and games.

Plus, guests can opt for paid extras with all the free festival admission they save, like a local glassblowing workshop or a VIP pass for dedicated bars and shaded seating. Starting this year, the plaza also has a new Glockenspiel, a two-story clock tower with hourly chimes and choreographed performances.

For America's biggest Oktoberfest blowout with (relatively) cheap beer taxes, head right to the heart of the Midwest.

Related: Check out the 10 Cheapest Places in Ohio to Live.

4. Tempe, Arizona

State beer tax: $0.16

Dates: Oct. 9-11, 2026

Located along Tempe Town Lake at Beach Park, the Four Peaks Brewing Oktoberfest is a must-see for West Coasters and desert travelers alike. Arizona state beer taxes are a cool $0.16, according to 2026 Tax Foundation reports. And with free admission for everyone aged 20 and under, it might offer one of the best values on our list.

Sponsored by the local Four Peaks Brewing Company, this festival proves you don't need alpine pine trees to throw an incredible fall party. Enjoy classic Oktoberfest traditions like live music, brat-eating contests, and the annual "Runnin' for the Brats" 5K, together with a full carnival with rides and games.

Additionally, event hosts put on Dachshund races and a "Low Center of Gravity" dog race specifically for short-legged, non-weiner breeds.

But to upgrade your experience, check out the VIP backstage pass for prime lakefront viewing of mainstage performances, private shaded lounges, and included drink coupons.

So for lederhosen and dirndls in the Southwest, stop by Tempe, Arizona.

Related: 10 Cheapest Places to Live in Arizona.

3. Mt. Angel, Oregon

State beer tax: $0.08

Dates: Sept. 17-20, 2026

Surrounded by Bavarian-style architecture, scenic Willamette Valley farmlands, and hop fields, Mt. Angel hosts the Pacific Northwest's largest Oktoberfest. The Beaver State's beer tax is a startling $0.08, according to the Tax Foundation. Festival passes are only $15 to $20 per day (or $50 for a full season pass), while attendees under 21 enter free.

Explore a host of specialized "gartens" throughout town. This includes a bustling Biergarten, a Weingarten serving regional Oregon pinots and warm spiced wines, an Alpinegarten for live shows, and dedicated play areas for families.

Mt. Angel also features an authentic four-story Glockenspiel clock that chimes and spins hand-carved figures four times daily. Or for a more peaceful moment to get away from it all, step inside historic St. Mary Church to savor uplifting pipe organ music beneath stained glass windows.

Just south of Portland, deep cultural tradition and autumnal charm come together at the Mt. Angel Oktoberfest.

Want to make the commute a bit shorter next year? Check out the 10 Cheapest Places to Live in Oregon.

2. Denver, Colorado

State beer tax: $0.08

Dates: Sept. 18-20 and 25-27, 2026

The heart of downtown Denver beats to a German-style celebration spanning two autumnal weekends. Denver's Oktoberfest offers free general admission and holds the second-lowest beer tax on this list, per Tax Foundation data (tied with Oregon when rounded to the nearest penny).

The schedule is packed with interactive competitions, like the famous Keg Bowling tournament, where participants can pair strength with expert aim. The festival also boasts the annual Stein Hoisting Championship, the Long Dog Derby, a silent disco (whew, what a great way to take a break from it all), and of course, daily costume contests.

Have a dietary restriction? Not a problem. Denver also stands out for its dietary inclusivity, serving up plenty of vegetarian bratwurst, gluten-free bites, local ciders, and non-alcoholic brews alongside traditional taps.

For a high-altitude block party with free general admission, check out the Denver, Colorado Oktoberfest in 2026.

See also: 10 Cheapest Places to Live in Colorado.

1. La Crosse, Wisconsin

State beer tax: $0.06

Dates: Sept. 24-27, 2026

The most famous Oktoberfest with the cheapest state beer tax in America is located in La Crosse, Wisconsin, where the rate is barely above $0.05, according to the Tax Foundation. General admission wristbands are about $25 (with free ground entry on Sunday), giving you access to lederhosen games, food vendors, live polka, and craft beer gardens.

Holding its celebration along the Mississippi River bluffs since 1961, La Crosse has unmatched community traditions. Thursday night launches the famous Torchlight Parade — a tradition added to the festival in 1965 — which glows through the Northside and kicks off the Afterglow Bash.

Meanwhile, daytime brings carnival rides, vendor shopping, and festive community events, culminating in Saturday morning's Maple Leaf Parade and a grand fireworks show that evening. The celebration then wraps up on Sunday with the traditional Parade Marshal Pancake Breakfast and family-friendly activities.

In favor of an action-packed weekend full of Midwestern Gemütlichkeit, culture, and cheap beer taxes? Check out the Wisconsin USA Oktoberfest festival, and you'll be glad you did.

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As natural disasters, such as hurricanes, wildfires, earthquakes, tornadoes, floods and blizzards, become more intense, losses from these disasters are soaring. If you suffer property damage from such a disaster, knowledge of the tax law can help.

Deducting Losses

Individuals can deduct personal casualty losses that are not reimbursed by insurance to the extent those uninsured losses are attributable to federally declared disasters that affect a wide area.

Your loss is equal to the smaller of the damaged property's adjusted basis or decline in value, less any insurance proceeds you receive or expect to receive.

New legislation passed by Congress has tax easings identical to prior relief for victims of federally declared disasters that occurred in 2020 through July 4, 2025. The law, named the "Doug LaMalfa Federal Disaster Tax Relief Certainty Act," applies to federally declared disasters beginning before 2027, which includes disasters that occurred in the last six months of 2025 and in all of 2026.

The new legislation lets taxpayers deduct their uninsured personal losses, such as damage to a house, car, or personal belongings, from federally declared disasters in excess of a $500 threshold, without regard to the 10%-of-adjusted-gross-income offset that generally applies to disaster loss deductions.

This expanded tax break is available for taxpayers who claim the standard deduction and for those who itemize on Schedule A of Form 1040. The IRS refers to these losses as “qualified disaster losses.”

Computing the amount of loss to your home, car, or belongings can be difficult. Luckily, the IRS has multiple safe harbors that may help with this calculation.

• For example, one method lets a homeowner with casualty losses of $20,000 or less take the lesser of two repair estimates to determine the decrease in the home's value.
• Homeowners can also use the estimated loss in reports prepared by an insurer or a licensed contractor's invoice.
• And there is a safe harbor to help you compute the replacement cost of your personal belongings destroyed in the federally declared disaster.

You can find out more about these safe harbors in IRS Publication 547 and IRS Revenue Procedure 2018-08.

If you suffered a disaster loss last year after July 4, 2025, and you used the old tax rules when preparing your 2025 tax return, you have three years from the filing due date to amend your return by filing Form 1040X to take advantage of the new law.

If you suffer a disaster loss in 2026, you can claim the loss on your 2026 or 2025 federal tax return. That's because individuals can opt to take the loss for the disaster year or the year immediately preceding the disaster.

For example, if a tornado damaged your home or personal belongings this year, you can claim the loss on your 2026 return or your 2025 return, giving you the flexibility to claim it in the year that provides the greatest benefit. If you decide to claim it for 2025 and you have already filed your 2025 return, you can amend it by filing Form 1040-X.

Note that for this purpose, the filing due date for a 2025 amended return is six months after the normal due date for filing your return (without extensions) for the year in which the loss took place. So for 2026 disaster losses, you would need to file an amended 2025 return by October 15, 2027.

IRS Resources

The IRS can be your friend after a disaster. If you lost prior-year tax returns in a hurricane, fire or other disaster, there are multiple ways to get a tax transcript, which is a summary of your key tax information. You can get a paper copy of your full return, but that would take longer.

The IRS also has a dedicated phone line for disaster-related questions: 866-562-5227. This is in addition to the tax filing and tax payment extensions that the IRS regularly provides after a disaster.

Note: This item first appeared in Kiplinger Retirement Report, our popular monthly periodical that covers key concerns of affluent older Americans who are retired or preparing for retirement. Subscribe for retirement advice that's right on the money.

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Sam’s Club shelves are filled with Member’s Mark products, encompassing everything from groceries and prepared foods to paper products and household essentials. This private label can sometimes offer a lower-priced alternative to national brands, helping shoppers to stretch their warehouse-club budget.

But with so many Member’s Mark products available, it can be tricky to determine which ones are worth trying. Since some of these products are sold in large or even bulk portions, you want to be sure they deliver on value before you make a purchase.

We looked at what Sam’s Club shoppers are recommending, including products that repeatedly earn praise in Reddit discussions, to find 10 Member’s Mark favorites worth a try.

What is Member’s Mark?

Member’s Mark is Sam’s Club’s private-label brand, with products spanning groceries, household essentials, clothing and accessories, pet supplies, home decor and more.

Like other Sam’s Club merchandise, Member’s Mark products are backed by the retailer’s 100% satisfaction guarantee. Most items can be returned at any time, although some products, including electronics and alcohol, are subject to different return restrictions.

Private-label brands can help warehouse clubs keep costs down because they typically require less spending on advertising and marketing than national brands. They also give retailers more control over pricing and can help build loyalty by offering products shoppers can’t buy elsewhere.

That can translate into lower prices for members, but a store brand isn’t automatically the best deal. Compare unit prices, especially when buying in bulk, rather than relying on the package price alone. If you find a Member’s Mark product you like just as much as the national-brand alternative, choosing the lower-priced option could help you save.

Household essentials Sam's Club shoppers recommend

Member’s Mark offers plenty of everyday household essentials, and several consistently earn praise from Sam’s Club shoppers. These three picks combine positive shopper feedback with prices that can compete with national brands.

• Member's Mark Ultra Premium 2-Ply Toilet Paper — Member's Mark toilet paper receives some of the strongest recurring recommendations online. Many shoppers praise the quality of the toilet paper, saying it's better than Costco’s TP. The Member's Mark toilet paper's price breaks down to $0.0023 per sheet, while Quilted Northern Ultra Soft & Strong 2-Ply Toilet Paper breaks down to $0.0031 per sheet.
• Member's Mark Select & Tear 2-Play Paper Towels — The 15-roll pack of paper towels is another shopper favorite, offering the opportunity to save on a household staple. The Member's Mark paper towels cost $0.0093 each, while Bounty Select-A-Size 2-Ply Paper Towels cost more than twice as much at $0.19 each.
• Member’s Mark 33-Gallon Power Flex Drawstring Trash Bags — This 90-count package of large trash bags breaks down to a cost of $0.23 per bag. In comparison, you’ll pay $0.25 per bag if you buy a 90-pack of Hefty Ultra Strong 33-Gallon Drawstring Trash Bags.

Member's Mark foods Sam's Club shoppers recommend

• Member's Mark Southern Style Chicken Bites — Another fan favorite, these chicken bites are crafted with white meat chicken and are lightly breaded. They can be prepared with an air fryer, conventional oven or microwave, so they’re a quick option for a snack, party or dinner.  
• Member's Mark Pineapple Spears in Coconut Water — This unusual product gets enthusiastic recommendations. Yes, it costs substantially more than your typical jar of canned pineapple, but the flavor combination makes it a must-try. The pineapple is packed with vitamin C and is an ideal addition to smoothies, desserts, fruit salads and more.
• Member's Mark Fully Cooked Bacon — The 10.5-ounce package of Member’s Mark Fully Cooked Bacon sells for $13.46. It’s frequently mentioned by shoppers online, and since it’s already cooked, it’s an easy addition to breakfasts, BLTs, soups and more. It’s also slightly cheaper than a 10.5-ounce package of Hormel Black Label Fully Cooked Bacon, which costs $15.87.
• Member's Mark BBQ Baked Beans with Brisket— This flavorful side dish is a frequently mentioned item. It combines bites of slow-cooked brisket with molasses and brown sugar for a touch of sweetness. It’s a great choice for a dinner or BBQ side.
• Member's Mark Indian Butter Chicken — Member’s Mark Indian Butter Chicken is one example of the brand’s numerous prepared meal selections. Ready to heat and eat, this convenient 32-ounce meal delivers six servings, perfect for larger families or leftovers.
• Member's Mark Iced Cinnamon Rolls — Ready for breakfast or dessert, Member’s Mark Iced Cinnamon Rolls are a popular bakery pick. They’re crafted with the Member’s Mark Made Without Commitment, meaning they’re free of more than 40 ingredients like high fructose corn syrup and certified synthetic colors.
• Member's Mark Seasoned Rotisserie Chicken — Made fresh daily, Member’s Mark Seasoned Rotisserie Chicken is a simple and affordable mealtime solution. You can pair it with one of the Member’s Mark side dishes or make your own sides. The chicken is crafted without any antibiotics, MSG or artificial flavors or colors.

How to decide if a Member’s Mark product is a good deal

When shopping at Sam’s Club, Member’s Mark products may offer a good deal, but it’s still important to comparison shop. Compare unit prices, not just packaging prices, to get the most accurate idea of how prices compare and whether you’re really saving with a Member’s Mark product.

If you’ll be buying in bulk, consider whether you’ll actually use all of the product before it expires. Some products may be frozen, but others can go stale or can spoil.

When comparing a Member’s Mark product against a national brand, consider the ingredients, size and features. A lower price on a Member’s Mark product isn’t necessarily a better value if you don’t end up liking the product or if you can’t fully use the larger quantity without having to throw out some of the product. Always keep your household’s preferences and habits in mind when deciding which products are the best choice and truly offer the best value.

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As gas and grocery prices rise, more Americans are struggling to keep up with the costs of everyday expenses. This makes it more important to look for waste in your budget.

Because of how habitual your grocery shopping trips can become, this is one of the areas in a budget that's most vulnerable to waste — whether you're buying duplicates of things you already have, being swayed by sales on items you'd never normally buy, or watching a lot of perishables sit uneaten in your fridge until they expire.

If it seems as if there's no way to spend any less on groceries than you already do, you might be surprised at how many sneaky sources of waste hide in your monthly grocery bill. If you're making any of the following mistakes, you could be wasting hundreds each month.

1. Driving around to multiple stores in a single trip

This is one of those seemingly frugal habits that aren't actually worth it. Having a store rotation is great. Costco might have the best prices for some items, but not for others – or there might be some specialty items on your list you can only get at a more niche market.

But if you're visiting every store every week, you're using up a lot of gas and a lot of time. Instead, you should make a rotation. If Costco is your go-to for bulk buys, try to plan your trip so that you buy a month's worth of groceries from the wholesale club in one trip. Next week, get a week or two of groceries from the next store in your rotation.

2. Not using a cash-back card to pay for groceries

Even if you have the most meticulous strategy for eliminating wasteful spending from your grocery budget, you're still leaving money on the table if you're paying for those groceries with cash or debit.

There are so many great rewards credit cards available that there's no reason not to earn something back on the spending you know you must do every month. I earn more than $300 each year on gas and groceries just by making sure I swipe the right card.

The key is to continue strictly budgeting how much you spend on groceries every month and paying off the balance in full by the statement's due date so you can earn cash back without paying interest on credit card debt.

3. Paying for multiple shopping memberships

This is a sneakier form of subscription creep that can feel justified if you don't do the math. If you've got both Costco and Sam's Club memberships, for example, take some time to look through your bank statements and find out how much you're really using each and whether you get enough value out of each to keep them.

While some families might be able to squeeze enough value out of each membership to make the annual fees worth it, a lot of families don't really need so many.

If you prefer the grocery selection at Costco but keep Sam's Club because the gas station is closer, for example, maybe you can ditch the Sam's Club membership and get the Costco credit card, which offers 4% back on non-Costco gas stations. The cash back on the credit card and the amount you're saving by skipping the Sam's Club annual fee might be enough to make up for any savings you were getting at Sam's Club gas stations.

Do the same math for other shopping memberships such as Amazon Prime or Walmart+. Think about which perks you're using and whether there's a cheaper way to get them.

4. Shopping without a list

Every grocery shopping trip should start with looking through your fridge and pantry to find out what items are running low and what items need to be used. Use that information to come up with at least a loose meal plan for the coming week.

Even if you don't have the energy or desire to create a detailed meal plan, you can jot down a few of the meals you typically cook every week or the kinds of meals you're craving. That plan should be built on the items you already have so that you're shopping to supplement what's already there rather than buying all new ingredients.

Without a list, you can end up with a fridge stocked with four bottles of ketchup and not a single food item that goes with ketchup. Shopping without a list also leaves you vulnerable to sales and impulse buys that you don't need.

5. Shopping for the person you want to be instead of the person you are

Trying to eat healthier is a great goal. But how many bags of spinach have you bought only to watch them quietly turn to slime in your fridge? If you're buying a bunch of fresh veggies with no plan for them, you're just pouring money into the garbage.

If you're in the process of changing the way you eat, meet yourself where you are. Get frozen or canned veggies that won't spoil so quickly. Get precut fruit so it's easier to grab as a snack. Find ways to incorporate healthier foods into what you already eat — such as sneaking some oatmeal or chia seeds into the meatballs you're making for dinner or adding a can of peas to your favorite stew.

Don't just buy the foods you think you should be eating and hope you'll eat them. That's a recipe for wasting money without making any progress on your health goals.

6. Buying the wrong things in bulk

Bulk deals can be a great way to save money on the things you use regularly. But it's not the most cost-effective move for every item on your grocery list. You have to be especially careful with anything that's perishable — make sure you only buy as much as you can eat before it turns.

Even some food items that seem a little more shelf-stable can still be bad to buy in bulk if your family won't use it fast enough. That includes things such as coffee (especially if it's already ground) and olive oil.

Always check the expiration date when buying large quantities. Try to estimate how much of that item your family can eat in that time, and limit your purchase to that quantity.

Buying 10 pounds of potatoes because it's cheaper per pound than buying a five-pound bag only works if you can eat 10 pounds before they expire. If you only end up eating five pounds or less, you paid more for the five pounds you actually consumed than you would have if you'd just bought a five pound bag.

7. Not having a grocery budget

With rising grocery prices, this one can seem impossible. But having a target number you want to stay under can help more than you think. By the end of the month, if you're cutting it close to that target number, you know it's time to get creative with what you have at home rather than buying more of the usual on autopilot.

Most kitchens are stocked with neglected canned foods, forgotten frozen veggies or leftovers from a couple nights ago you swore you'd eat. Holding yourself to a budget can force you to make use of those things before buying more.

If you're not sure where to start setting a grocery budget, look at how much you spent last month, then challenge yourself to spend, say, $100 less this month. Keep pushing that number down each month until you find an amount that you can comfortably afford while eliminating wasteful spending and stockpiles of uneaten food.

Cutting waste from your grocery budget isn't just about spending less at the supermarket. The money you free up can be redirected toward bigger financial goals, whether that's building an emergency fund, paying down debt or saving more for retirement. Want help deciding where those extra dollars could make the biggest difference?

Use the Bankrate tool below to connect with a vetted financial professional who can help you with a strategy to reach your financial goals.

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Americans who move to Europe often report the sheer number of details that must be addressed. One detail that may not immediately come to mind is the question of whether to ship one's car to the new country, or to sell that vehicle and buy a new one on arrival.

If you already own a reliable vehicle, the best choice may seem to be to take it with you. In practice, this can be one of the most misunderstood decisions in an international relocation.

As an Italian attorney who helps Americans moving to Italy and other parts of Europe, I've seen many cases where the cost and complexity of shipping a vehicle end up far exceeding expectations. In some situations, the decision still makes sense, but in many others, purchasing locally after arrival is not only simpler but also significantly more economical.

Customs duties, registration requirements, insurance constraints, compliance rules and logistical risks can quickly turn what seemed like a simple shipment into a costly, time-consuming process.

The hidden costs of shipping a vehicle overseas

At first glance, international auto shipping quotes can appear reasonable. Depending on the origin and destination, Americans may see base prices ranging from a few thousand dollars to more than $10,000 for enclosed transport.

But the shipping fee is only part of the equation.

Once the vehicle arrives in Europe, it must pass through customs clearance. In many cases, import duties and value-added tax (VAT) apply unless the owner meets specific exemption criteria, such as transferring residency and proving long-term ownership of the vehicle before relocation. Even then, documentation requirements are strict and inconsistently applied across jurisdictions.

Italy, for example, has detailed registration and other requirements that can create significant hurdles for imported vehicles. Cars must comply with European technical standards, and modifications may be required for headlights, emissions systems or other components. These adjustments can be expensive and sometimes impractical for older or highly specialized vehicles.

Car insurance presents another layer of complexity. U.S. insurance policies are not valid abroad, and European insurers may be hesitant to fully cover imported vehicles, particularly in the initial registration period. Premiums can be higher and coverage limitations more restrictive than many Americans expect.

When all of these factors are combined — shipping, customs, modifications, registration fees and insurance — the total cost of importing a car can exceed the price of purchasing a comparable used vehicle locally.

When shipping a car does make sense

Despite these challenges, there are circumstances where shipping a vehicle can be justified.

One common case involves individuals relocating temporarily under specific visa arrangements or diplomatic postings where the stay is short and the vehicle is already adapted to international standards.

Another scenario involves high-value or specialized vehicles, such as classic cars or models that are significantly more expensive or difficult to source in Europe. Even then, careful planning is essential, including confirming import eligibility and compliance requirements before the vehicle leaves the U.S.

For most long-term relocations, however, particularly those involving families settling into everyday life abroad, buying a car locally is often the more efficient path.

The risks of choosing the wrong shipping company

Beyond regulatory and financial considerations, one of the most common problems involves the shipping process itself.

The international vehicle transport industry is not uniform, and standards vary widely. Some companies are highly professional and experienced in cross-border logistics, others are not.

A recurring issue is the presence of hidden fees that appear only after the vehicle has been collected. These can include unexpected port charges, storage fees or administrative costs that were not clearly disclosed in the initial agreement.

Insurance coverage is another area where misunderstandings arise. Clients often assume their vehicle is fully insured door-to-door, only to discover that coverage is limited during certain stages of transport or that claims are subject to strict exclusions.

Delays are also common. Vehicles can be held at customs for extended periods owing to incomplete paperwork or compliance questions. In some cases, owners are forced to pay additional storage fees while issues are resolved.

In the worst cases, clients may fall victim to outright fraud — paying deposits to companies that are not properly licensed or that outsource transport without clear contractual accountability.

Why local purchase is often the smarter financial decision

When Americans arrive in Europe, they are often surprised by how functional and accessible the local used car market can be. While vehicle preferences and driving styles differ from those in the U.S., many regions offer well-maintained, reasonably priced vehicles that are already fully compliant with local regulations.

Buying a used car locally means new residents avoid customs complexity, eliminate shipping risks and gain immediate access to proper insurance coverage. They also have the advantage of selecting a vehicle that fits local driving conditions, which in many European cities can include narrower streets, limited parking and lower speed limits.

From a financial planning perspective, this approach often reduces uncertainty at a time when many other relocation costs are already coming into focus.

A decision best made early in the relocation process

Transportation decisions should be made early in the relocation process, not as an afterthought once logistics are already underway.

The question is not simply whether a car is worth shipping, but whether the cost, risk and administrative burden align with the broader goals of the move. In many cases, the answer becomes clear once all factors are fully considered.

For Americans moving abroad, the emotional attachment to a familiar vehicle is understandable. But international relocation is full of hidden trade-offs, and this is one area where practicality often outweighs sentiment.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

Android users have several top-quality Samsung Galaxy phones to choose from in 2026. This year's lineup includes the Galaxy S26 Ultra and the Galaxy Z Fold8, both packed with cutting-edge features.

If you're considering upgrading to a new Samsung Galaxy, Verizon has some competitive deals when you pair your device with one of its premium plans. These plans are geared toward heavy phone users who can take advantage of features such as unlimited hotspot data.

Whether you're ready to upgrade, thinking about switching to Verizon or simply like having one of the latest top-of-the-line devices, these Samsung Galaxy deals are worth considering.

Galaxy S26 Ultra: Best for traditional smartphone users

The Samsung Galaxy S26 Ultra is a solid option for traditional smartphone users who want Samsung's most powerful smartphone, but who don't want to fundamentally change how they use their device.

The S26 Ultra's camera is designed to capture detailed photos even in low light, making it useful for nighttime photography. Photo Assist with Galaxy AI can also help enhance images after they're taken. Now Nudge, another Galaxy AI feature, analyzes what's on your screen and suggests relevant actions, such as adding an event to your calendar, opening a shared location or finding photos to share. A built-in privacy display can also help limit what others see when you're using your phone in public.

The S26 Ultra's durable build may also appeal to users who don't want the added complexity of a foldable phone. And at about $600 less than the Samsung Galaxy Z Fold8, it's the more budget-friendly option of the two.

Verizon currently offers several ways to save on the Galaxy S26 Ultra. Customers can get the phone for $0 per month for 36 months with an eligible Unlimited plan. The discount is provided through monthly bill credits, so you'll need to keep the line on an eligible plan to continue receiving the credits.

Another option is Verizon's Simplicity Pro program, which costs $50 per month in addition to the qualifying Simplicity phone plan. Simplicity Pro includes a monthly device credit and Flex Upgrade, which lets you upgrade your phone after you've paid at least 33% of the device payment agreement and meet Verizon's other requirements. The program also includes Premium Visual Voicemail, two TravelPass days per month and Global Choice for calling one eligible country.

Galaxy Z Fold8: Best for multitaskers

The Samsung Galaxy Z Fold8 is a strong choice for multitaskers who want the flexibility of a phone and tablet in one device. Its 7.6-inch folding display provides extra room for working across multiple apps, while the larger screen is also well suited for streaming and entertainment. The 50MP dual camera system adds versatility for photos and video.

Despite its larger folding display, the Z Fold8 weighs just 7.09 ounces, making it relatively easy to carry. It's best suited for people who frequently work or multitask from their phone or simply want more screen space than a traditional smartphone provides.

Verizon is currently offering $460 off the Galaxy Z Fold8, bringing the full retail price from $1,899.99 to $1,439.99. Customers can finance the phone for $29.99 per month for 48 months, with shorter financing terms also available.

Verizon is also promoting its Simplicity plan with the Fold8. The plan includes unlimited 5G Ultra Wideband data, 10GB of high-speed mobile hotspot data, satellite texting and talk, text and data in Mexico and Canada. New customers who meet Verizon's switching and Auto Pay requirements can get the plan for $30 per month, down from $55 per month.

The plans matter just as much as the phone

The phone is only part of the equation when comparing these Verizon deals. Before choosing an offer, make sure the required phone plan fits your needs and budget.

For example, Verizon's Unlimited Ultimate plan includes features geared toward heavy phone users, including unlimited mobile hotspot data and international talk, text and data in more than 210 countries and destinations. Other plans may cost less but include fewer premium features.

Those extra phone plan perks can add to your monthly costs. When comparing offers, look at the total monthly bill, including the phone and required service plan, rather than focusing on the device discount alone. That will give you a better sense of whether you're actually getting a good deal.

Which Verizon deal makes the most sense?

If you're ready for a new Android phone, Verizon's current Samsung Galaxy deals offer options for different types of users and budgets. Here's how to decide which phone is the better fit.

Choose the Galaxy S26 Ultra if you:

• Want a traditional smartphone: The Galaxy S26 Ultra delivers Samsung's premium features without the folding design of the Z Fold8.
• Prioritize the camera: Its camera is designed to capture detailed photos, including in low-light conditions, making it a strong choice if photography is a priority.
• Prefer durability: Without a folding screen and hinge, the S26 Ultra has a more traditional, durable design.
• Want to spend less: With a lower retail price than the Z Fold8, the S26 Ultra is the more budget-friendly option of the two.

If you want more screen space and don't mind paying more for a foldable design, the Z Fold8 may be the better fit.

Choose the Galaxy Z Fold8 if you:

• Want a foldable phone: The Z Fold8 is designed for users who like the flexibility of a traditional smartphone that opens into a larger, tablet-like display.
• Multitask frequently: The larger display lets you use multiple apps at once, giving you more room to work than a traditional smartphone.
• Want more room for entertainment: The 7.6-inch display provides extra screen space for streaming video, reading and browsing.
• Don't mind a longer financing term: Verizon's lowest monthly device price requires 48 months of financing, so consider how long you plan to keep the phone before choosing this option.

Verizon's deals can make these Samsung Galaxy phones more affordable, but the device discount is only part of the equation. Before signing up, compare the cost of the phone and service plan, consider how long you'll be committed to the financing agreement and review the promotion requirements. The best deal is the one that fits both how you use your phone and your budget.

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Each week in our Ask the Editor series, Joy Taylor, The Kiplinger Tax Letter editor, answers questions on topics submitted by readers. This week, she's looking at four tax questions from readers on tax breaks for buying a vehicle, using a vehicle in your business and more. (Get a free issue of The Kiplinger Tax Letter or subscribe.)

1. Is there still an EV credit?

Question: I am planning to buy an electric vehicle for personal use. Can I get a federal income tax credit for buying the car?

Joy Taylor: No. Unfortunately, the electric vehicle tax credit has expired. The up-to-$7,500 tax credit for buying a new EV and up-to-$4,000 tax credit for buying a used EV expired for vehicles bought after September 30, 2025. Last year's One Big Beautiful Bill repealed this popular tax break.

2. What's the IRS's standard mileage rate?

Question: I am a self-employed real estate agent, and I use my car in my business. Each year, on Schedule C of Form 1040, I claim the IRS's standard mileage allowance as a deduction for my business driving. What is the standard mileage rate for 2026?

Joy Taylor: This year, calculating your mileage expense using the IRS's standard mileage rate is a bit more complicated than normal. For your business driving from January 1 through June 30, the rate is 72.5¢ per mile. The rate increases to 76¢ a mile for business driving from July 1 through December 31. The IRS opted to increase the standard mileage allowance due to higher gas prices at the pump caused by the U.S. war with Iran.

Note that the IRS also increased the standard mileage rate for medical travel to 23.5¢ a mile for the last six months of 2026. The rate is 20.5¢ a mile for January 1 through June 30, 2026.

3. Bonus depreciation for buying a new business vehicle

Question: I am self-employed and am planning to buy a new vehicle this year that I will use 100% in my business. Can you please tell me what tax breaks I might be eligible for by purchasing the auto?

Joy Taylor: Buyers of business vehicles get generous tax breaks, such as the following:

• If you buy a heavy SUV used for business and place it in service after January 19, 2025, then you can write off the full cost of the vehicle because of 100% first-year bonus depreciation.
• If you buy a big truck and put it into use this year, you can expense up to 100% of the cost (subject to the limit that the total amount expensed cannot exceed the taxable income from your business).
• For other passenger automobiles bought and placed in service this year, you can take annual depreciation deductions. With bonus depreciation, you can deduct up to $20,300 in 2026, $19,800 in 2027, $11,900 in 2028, and $7,160 in each year thereafter. Absent bonus depreciation, you can deduct up to $12,300 in 2026, $19,800 in 2027, $11,900 in 2028 and $7,160 in each succeeding year.
• If you finance the purchase of your business vehicle, you can deduct the interest that you pay each year on Schedule C.
  
  Read more: Tax breaks for the self-employed.

4. Deductions when buying an auto for personal use

Question: I bought a car earlier this year for personal use. I took out a loan from the auto dealership to finance the car. Can I take a tax deduction for the interest that I pay each year on the loan?

Joy Taylor: It depends. Last year's One Big Beautiful Bill gave individuals a temporary deduction of up to $10,000 a year for interest paid on loans to buy a new vehicle for personal use. This break kicked in for 2025 tax returns filed this year and ends after 2028, unless lawmakers agree to extend it. It is available to people who itemize on Schedule A of Form 1040 and to those who claim standard deductions. Filers use Part VI of Schedule 1-A to figure the deduction. There are several requirements to take this deduction:

• Only interest paid on the purchase of a new qualified passenger vehicle is eligible for the deduction. A qualified passenger vehicle is a car, minivan, van, SUV, motorcycle, or pickup truck with a gross vehicle weight rating of less than 14,000 pounds.
• Final assembly of the vehicle must take place in the U.S.
• The vehicle must be bought for personal use.
• You must purchase the vehicle in 2025 or later. So, for example, if you financed the cost of a vehicle that you bought in 2024 for personal use, you cannot deduct the interest that you pay on the car loan.
• You cannot deduct interest paid on a loan to buy a used vehicle.
• The tax write-off begins to phase out at modified adjusted gross income (AGI) over $200,000 on joint returns and $100,000 on other returns and ends at modified AGI above $250,000 on joint returns and $150,000 on others. Modified AGI is AGI shown on line 11 of the Form 1040 plus any foreign earned income exclusion, foreign housing exclusion, and certain income excluded because it was received from sources in Puerto Rico, Guam, American Samoa or the Northern Mariana Islands.
• The lender must file an information return with the IRS reporting the amount of interest received from the buyer of the vehicle and send a copy of that return to the purchaser. Note that the IRS provided some transitional relief on this requirement for 2025.

About Ask the Editor, Tax Edition

Subscribers of The Kiplinger Tax Letter, The Kiplinger Letter and The Kiplinger Retirement Report can ask Joy questions about tax topics. You'll find full details of how to submit questions in each publication. Subscribe to The Kiplinger Tax Letter, The Kiplinger Letter or The Kiplinger Retirement Report.

We have already received many questions from readers on topics related to tax changes in the One Big Beautiful Bill, retirement accounts and more. We will continue to answer these in future Ask the Editor roundups. So keep those questions coming!

Not all questions submitted will be published, and some may be condensed and/or combined with other similar questions and answers, as required editorially. The answers provided by our editors and experts, in this Q&A series, are for general informational purposes only. While we take reasonable precautions to ensure we provide accurate answers to your questions, this information does not, and is not intended to, constitute independent financial, legal, or tax advice. You should not act, or refrain from acting, based on any information provided in this feature. You should consult with a financial or tax advisor regarding any questions you may have in relation to the matters discussed in this article.

More Reader Questions Answered

• All Ask the Editor Q&As
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• Ask the Editor: Estimated Tax Payments and Withholding
• Ask the Editor: Questions on Selling a Home
• Ask the Editor: 10-Year Rule for Inherited IRAs
• Ask the Editor: Tax Questions on Roth IRA Conversions
• Ask the Editor: Tax Rules for Landlords

Imagine: You're out on a nice drive when you turn a corner and someone, busy doing a livestream instead of driving, merges without looking, smashing into your car. Vexing, but no worries; you get out to assess the damage and exchange insurance information.

The only problem is the other driver has a different story of the events. They claim you cut them off. Several witnesses come forward, some siding with you, others siding with the other driver. While cops and insurance adjusters will investigate the scene to determine the cause, sometimes you could do nothing wrong and still be found at fault.

This can have significant financial ramifications. First, it could raise your car insurance rates. It could also cost you money out of pocket if the damages a judge awards the other driver exceed your insurance coverage. This is where a dash cam can level the playing field.

The essential tool every driver needs

Dash cams provide video recordings of events as they happen. Using the above example, it would capture the other driver running into you while livestreaming. This provides concrete evidence to police and insurance adjusters when they determine who was responsible.

In turn, it could prevent you from incurring rising insurance costs for something that wasn't your fault. You also wouldn't have to worry about being liable for other damages the court could have awarded without the evidence.

So, with this in mind, what are some factors you should consider when choosing a dash cam? Here are the most important:

• Video quality: Find cameras that offer 1080p resolution and a wide field of view to ensure they capture license plates and your surroundings.
• Night vision: With some accidents occurring in low-light conditions, prioritize a model with high-quality sensors (like STARVIS) to keep your recordings clear.
• Smart features: Seek out dash cams with loop recording, which prevents storage issues. Also, look for units with G-force sensors, as they lock footage during a collision.
• Driving behaviors: If you plan to drive often at night or through inclement weather, look for dash cams that offer thermal imaging and alerts, as they can detect wildlife and other road hazards.

Top dash cam options to consider

Now that you know what technical specs to prioritize, let's look at some of the most reliable models currently on the market to help you make your final choice:

If you choose a dash cam with SD card storage, check it periodically to ensure that it has not become corrupted. You can do this by removing the card from the cam and plugging it into your computer to view files.

Don't forget to do this before installing

Before you install your dash cam, it's ideal to check your state and local laws to ensure that where you place it is compliant.

Here are two areas of emphasis:

• Windshield obstruction: Some states have rules about where you can mount a camera in your car to prevent obstruction of the driver's view. In Ohio, you cannot install a dash cam on a windshield.
• Audio recording: Your state might have restrictions on recording other passengers without their knowledge. You can address this by asking each passenger's permission before they enter your car.

Ultimately, a dash cam isn't just about managing insurance claims; it’s about having peace of mind so you can focus on the road ahead. In turn, it can protect you from financial ramifications, such as higher insurance bills and out-of-pocket settlements from judgments in accidents you didn't cause.

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The average person holds onto their smartphone for over three years, per Assurant. However, with component prices rising from AI data centers gobbling up resources, your next phone upgrade will likely cost quite a bit more.

How much? FDM CCS Insight found that entry-level smartphones have increased in price by more than 50% since last year. This means that as more people hold onto their phones longer or look at the resale market for replacement options, the care you give your device can make all the difference in the value you receive when you're ready to part with it.

If you're looking to get more value out of your device while you own it and when you trade it in, I am going to show you an overlooked component that might add more value than it costs.

A different way to look at your smartphone protection

Mobile devices are subject to significant daily risks. From frequent travel to the simple reality of accidental drops and physical wear, smartphones are often traded in to keep up with performance demands. However, doing so through a cell carrier frequently resets the duration of your service contract.

Because I tire of being stuck with the same carrier for longer than I have owned some cars, I decided to look into cell phone insurance. And to my surprise, it does offer some value.

I don't think of it as just another bill, but as a hedge against depreciation. A cracked screen or an older phone with a worn-out battery will significantly impact its trade-in value by hundreds of dollars.

Without coverage, a minor accident forces you to consider expensive options: Either pay out of pocket for a repair or do an unplanned upgrade. By having insurance, you are actively protecting your asset's residual value. It means when you're finally ready to trade it in, you're holding a device in peak condition, which will fetch you significantly more money.

How much does cell phone insurance cost?

Having cell phone insurance gives you a cheaper way to maintain your device through the life of ownership. So, what cell phone insurance providers are there? Here's a quick breakdown:

Coverage, costs and deductibles vary by device and plan, so compare your options before enrolling.

But before signing up for insurance, do a device audit. Find out the resale value to determine if insurance is even worthwhile. You don't want to add another monthly payment to protect something only worth a few hundred dollars.

However, since most devices should last you between three and five years, it's worth a closer look if you plan to hold on to your current one longer. This is why shifting the mindset from 'paying for insurance' to 'managing an asset' changes how you view your tech, and can save you significantly when you're ready to upgrade.

Insurance isn't just about peace of mind; it’s a tool to protect your investment. Before you sign up, check your credit card benefits or homeowners policy (which can recover costs from theft, fire or vandalism), then pick the plan that best fits your risk tolerance and your wallet.

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If you're looking for a back-to-school gift for a grandkid heading off to college, your best bet might actually be a Costco membership. The popular wholesale club reported that nearly half of its new signups were from Millennials and Gen Z adults in a recent earnings call.

Costco has become a bit of a trend in recent years, with teens and young adults showing off their bulk buy hauls on TikTok or hopping onto fashion trends like the viral Espirit sweatshirt that sold out almost immediately at Costco.

After Costco outranked Walmart as the cheapest grocery store this year, it's no surprise younger generations are now getting on board with the wholesale club. This makes it the ideal gift for someone heading off to college or recently graduated. It's both trendy and practical, giving your grandkid or child a way to take advantage of bulk pricing and gas discounts at a time when every penny saved really counts.

Why younger generations love Costco

The idea of a grocery store becoming trendy might seem odd to you, no matter how much you might understand how much there is to love about it. But the fact that #costcohaul videos are regularly getting over 150,000 views is a sign of the inflation-addled times.

The Costco trend comes as rising grocery prices have more and more young adults struggling to keep up with the cost of living. As a result, more than 60% of working adults have resorted to using credit cards or Buy Now, Pay Later plans to pay for groceries in the past year, according to an Urban Institute survey.

To avoid going into debt to put food on the table, Millennials and Gen Z adults are looking for as many ways as possible to stretch their grocery budget further. If you're already a Costco member, you know how much the warehouse club can help with that.

But it's not just the grocery prices drawing in younger customers. The ultra-cheap food court prices are a hit as well. The famous $1.50 hot dog combo is a timeless hit that regularly makes its rounds on TikTok. The food court's significantly lower prices make it a great way for a college student with limited time or space to cook to grab a quick bite for lunch or feed an entire study group without breaking the bank.

Give your grandkid a Costco membership and a $50 shop card with this deal

To sweeten the back-to-school gift even more, Stack Social is offering a limited-time deal that includes a $50 shop card with the purchase of a Costco Gold Star membership.

All you have to pay is the cost of a one-year membership, and the shop card is free. So your grandkid or child can get a free membership and a little money to spend on their first visit.

Related content

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• Should You Get Home or Car Insurance Through Costco?

Google has updated its cloud storage policy for Android device backups. For existing users, the change will take effect 45 days after they receive Google's notification email. Android device backups will count toward the 15 GB of free storage included with every Google Account. The company is also rolling out more detailed backup controls for devices running Android 9 and newer.

For many users, the impact may be small because photos, videos and other media files already count toward the same 15 GB storage limit. However, adding device backups could push some accounts closer to — or over — that cap.

If your account exceeds the free storage limit, your Android device will stop automatically updating its backups until you free up space or upgrade your storage. Checking how much storage you currently use can help you avoid interruptions once the policy takes effect.

Who will notice the biggest impact?

Users who are already close to Google's 15 GB free storage limit are likely to notice the biggest impact. If their account exceeds the storage limit, automatic backups will be paused.

People with years of Gmail, Google Photos and Drive files might also exceed the Google Storage cap when their device backup data counts toward the limit.

People who use multiple Android devices, such as a phone and tablet, may also see their storage fill more quickly. Every device under the same account syncs to the same storage space, so adding in backup data for multiple devices might push the account past the storage limit.

How to check your available Google storage

Google has started emailing Android users with details about the policy change, including how much Google storage they've already used and an estimate of how much space their device backup may require. You can also check your storage usage at any time.

To see how much storage you have available, sign in to your Google One account. Your dashboard shows how much of your 15 GB of free storage you've used and breaks down what's consuming that space.

Gmail, Google Drive and Google Photos all count toward your storage limit. Reviewing the breakdown can help you identify opportunities to free up space before the new backup policy takes effect.

What happens if you run out of storage?

If the new backup policy pushes your account over the storage limit, some Google services may stop working until you free up space or upgrade your storage plan.

Your Android device's automatic backups may be paused, Gmail may stop receiving new emails, Google Drive uploads could fail and Google Photos may stop syncing new photos and videos.

Five ways to avoid paying for more storage

While you can pay to increase your Google storage, there are workarounds that can help keep your storage functioning without you having to pay:

• Delete unnecessary files from Google Drive: Large Google Drive files can quickly eat into your storage capacity. Go through your Google Drive account and delete any unnecessary files. Deleted files are stored in your Trash folder for 30 days, so be sure to go to the Trash folder and permanently delete the files to free up the storage.
• Remove large email attachments: Large Gmail attachments can take up extra storage. The Google One Storage Manager allows you to identify and delete the largest email attachments.
• Clean up Google Photos: Go through your Google Photos and delete any photos you no longer need. The deleted images will sit in your Trash folder, so be sure to delete them from the Trash folder to free up storage.
• Review what your phone backs up: Use the Google One app or your Android phone's backup settings to review what's backed up. If certain apps take up a lot of storage, you can toggle those apps off so they aren't backed up.
• Delete old device backups you no longer need: You can use the Google One app to delete old device backups that you no longer need to free up more space.

When paying for Google One makes sense

While there are several ways to free up storage and avoid paying for additional space, upgrading to a Google One plan may be worthwhile in some situations.

Google One offers four paid storage tiers ranging from 100 GB to 2 TB. Plans cost $1.99 to $9.99 per month, and you can save about 16% by paying annually instead of monthly.

A paid plan may make sense for households with multiple Android devices sharing the same Google Account or for people who rely heavily on Google Photos and regularly store large files in Google Drive.

It can also be worthwhile if you'd rather not constantly manage your files to stay under the free 15 GB storage limit. Some Google One plans include additional perks, such as access to the Gemini app and Google Flow AI, making an upgrade worthwhile for users who want those premium features.

Preparing for the Google Storage changes

Google has started emailing Android users about the upcoming storage policy change. Once you receive the email, you'll have 45 days before the new policy takes effect for your account, giving you time to review your storage usage, free up space if needed and prepare your device.

Taking the time to review your storage usage now can help ensure a smooth transition and uninterrupted use of your device once the storage policy change takes effect.

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For years, people have been encouraged to build digital libraries of movies, TV shows, music and books. Buying a movie online seems just as permanent as buying a DVD, until it suddenly isn't.

A recent licensing dispute involving Sony has reignited the debate over digital ownership after hundreds of purchased movies disappeared from customers' libraries. While streaming and digital downloads remain incredibly convenient, many customers are realizing that clicking "Buy" often doesn't provide the same ownership rights as purchasing a physical copy.

That realization is helping fuel an unexpected comeback for DVDs, Blu-rays and other physical media. As subscription costs rise and digital content becomes less predictable, owning a tangible copy is beginning to look like a smart financial decision rather than a nostalgic one.

The Sony situation is a reminder that digital ownership has limits

Sony recently removed access to roughly 500 movies from users' digital libraries after a licensing agreement ended. Many affected customers had purchased the movies years earlier believing they would have permanent access. Instead, those titles simply disappeared from their collections.

While the situation frustrated customers, it also highlighted something that many people don't realize when they purchase digital content: in many cases, you're buying a license to access a movie and not ownership of the movie itself.

When you purchase a DVD or Blu-ray, you own that physical copy and can watch it whenever you like. With digital purchases, access depends on licensing agreements between retailers, studios and distributors. If those agreements change, your access can change too.

That's not unique to Sony. Other digital storefronts have also removed purchased content over the years when licensing deals expired or services shut down, reminding consumers that digital ownership often comes with important limitations.

Why your digital purchases can disappear

Most digital purchases work differently than traditional ownership. Instead of buying the content outright, you're typically purchasing the right to access it through a specific platform under certain conditions.

Several situations can cause that access to disappear:

Licensing agreements expire

Movie studios frequently renegotiate distribution rights. If a retailer loses the rights to host certain content, customers may also lose access depending on the licensing terms.

Platforms can shut down

Digital storefronts don't last forever. If a service closes or eliminates support for purchased content, subscribers may have limited options for recovering their libraries.

Rights change hands

Studios regularly merge, sell content libraries or shift distribution strategies. Those business decisions can affect where and whether certain titles remain available.

Account problems happen

Forgotten passwords, hacked accounts or violations of platform policies can temporarily or permanently affect access to purchased digital libraries.

While many companies work to preserve customer purchases whenever possible, the reality is that digital libraries depend on businesses continuing to operate and maintain the necessary licensing agreements.

Why physical media is making a comeback

DVDs and Blu-rays once seemed destined for extinction. But today, they're quietly returning to store shelves, and into collectors' homes.

Even younger movie fans who grew up with streaming are discovering the appeal of owning physical media. Some are browsing thrift stores, used bookstores and secondhand retailers looking for inexpensive DVD collections.

Several factors are driving renewed interest.

Subscription fatigue

Many households now pay for multiple streaming services every month. Instead of subscribing to five or six platforms indefinitely, some people are choosing to purchase the movies they know they'll watch repeatedly.

Movies disappear from streaming

Streaming catalogs constantly rotate. A favorite movie available today may disappear next month when licensing agreements change, forcing viewers to rent it elsewhere, or wait for it to return.

Better picture and sound quality

For home theater enthusiasts, 4K Blu-ray discs often deliver higher video bitrates and lossless audio that exceed what many streaming services can provide.

If you've invested in a large television or surround sound system, physical media can still offer the best viewing experience.

Collectability

Special edition releases, director's cuts, collectible steelbook editions and bonus features continue to appeal to movie fans.

Reliable offline access

Physical media works without internet outages, buffering or changing licensing agreements. Whether you're traveling, living in an area with slower internet or simply want dependable access, DVDs and Blu-rays provide peace of mind.

When buying physical media makes financial sense

Not every movie belongs on your shelf. But buying physical copies can save money in certain situations.

• Movies you watch every year: If you rewatch the same films multiple times, buying a DVD or Blu-ray once may cost less than repeatedly renting or subscribing to services that carry it.
• Children's favorites: Parents know children often watch the same movie dozens of times. Owning those titles avoids the frustration of discovering they're no longer available on your streaming service the day your child wants to watch them.
• Holiday classics: Many families revisit the same holiday movies every season. Purchasing physical copies guarantees they'll be available every December regardless of streaming rights.
• Hard-to-find films: Independent movies, older classics and niche documentaries often rotate on and off streaming services, or disappear entirely. Collectors who value these titles may prefer owning them outright.
• Box sets and special editions: Complete television series, anniversary collections and bonus-feature editions often provide extras unavailable through streaming platforms.

When streaming is still the better value

Physical media isn't replacing streaming for everyone. Streaming continues to make financial sense in many situations.

Casual viewing

If you only plan to watch a movie once, streaming or renting is usually much cheaper than purchasing a physical copy.

Discovering new content

Streaming services offer thousands of movies and shows for a single monthly subscription, making them ideal for viewers who enjoy exploring new releases.

Convenience

There's no need to store discs or switch media between movies. Streaming also makes it easy to watch across multiple devices while traveling.

Lower upfront costs

Building a large DVD or Blu-ray collection requires an initial investment.

For many households, paying one monthly subscription remains the more affordable option, especially if they watch a wide variety of content.

Don’t count physical media out entirely

Streaming isn't going anywhere, and for many households it remains the easiest and most affordable way to watch movies and television. But the recent Sony incident serves as an important reminder that digital purchases don't always provide permanent ownership.

For favorite films, family classics or movies you plan to revisit for years, buying a physical copy can offer something streaming can't guarantee: lasting access that's not dependent on licensing agreements, internet connections or the future of a digital platform.

In an era where "Buy Now" often means "License Until Further Notice," owning a DVD is starting to feel like true ownership again.

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Most people love saving money. But when the cheapest option wears out quickly, those upfront savings can disappear through repeated purchases, wasted time and constant frustration.

That’s become a recurring theme in online communities like Reddit’s r/BuyItForLife, where consumers regularly compare products that lasted decades against cheaper versions that failed after only a few months or years. Many shoppers say they eventually learned the hard way that "saving money" upfront sometimes meant spending more overall.

From office chairs that fall apart after a year to cookware that fades, luggage that breaks mid-trip and phone chargers that constantly need replacing, certain "budget" purchases can trap shoppers in an expensive cycle of replacing the same items over and over.

Avoiding these money traps doesn't mean you need to buy luxury products or overspend on every purchase. Instead, knowing when it's worth paying a little more for better quality can help you avoid constantly replacing things and save money in the long run.

Replacement cycles add up quickly

One of the biggest problems with buying the cheapest option is how quickly those purchases can turn into a cycle of replacing the same item over and over again.

At first, a $40 office chair or $25 pair of shoes might feel like a smart financial decision. But if that chair starts wobbling after a year or those shoes fall apart after a few months, you may end up spending more replacing them repeatedly than if you had purchased something sturdier from the start.

The hidden cost isn't always just the money either. It’s the wasted time researching replacements, dealing with returns, making extra shopping trips and feeling frustrated when something breaks sooner than expected.

The purchases people regret buying cheap

Certain products come up again and again when consumers talk about purchases they wish they had spent a little more on.

Office chairs and mattresses

People who work from home often say they underestimated how important a comfortable chair really is until they started spending eight or more hours sitting in it every day. Cheap office chairs tend to wear out quickly, lose cushioning and offer poor back support. One Reddit user said they finally upgraded to a better office chair after replacing multiple cheaper versions over the years.

When comparing office chairs or mattresses, consider more than the sticker price. Brands such as Herman Miller, Steelcase and HON have earned reputations for durable office chairs backed by strong warranties.

Mattresses are similar. Lower-quality materials may sag prematurely, leading to discomfort and poor sleep. One Reddit user described replacing a mattress after it developed what they called a "sinkhole" in the middle that caused ongoing back pain.

Mattress brands including Saatva, Helix and Brooklyn Bedding are often recommended for their trial periods and warranty coverage. Many shoppers also turn to Costco, whose generous return policy and Kirkland Signature mattress line make it a popular destination for value-conscious buyers.

Shoes and winter coats

Footwear is another category where shoppers often regret prioritizing price over quality. Cheap shoes may wear down quickly, lose support or crack after heavy use. Higher-quality shoes sometimes last years longer and may even be repairable.

When shopping for shoes or winter coats, it's worth paying attention to materials, construction and warranty policies instead of focusing only on price. Footwear brands such as Red Wing, Danner, Blundstone and Birkenstock are frequently recommended for their durability, and some styles can be repaired or resoled to extend their lifespan.

For everyday athletic shoes, brands like Brooks and HOKA are often praised for comfort and support, though replacement is typically recommended after several hundred miles of wear.

Winter coats can also vary dramatically in quality. Better materials, insulation and stitching often make a noticeable difference, especially in colder climates where coats get daily use for months at a time.

For winter coats, shoppers often point to brands such as Columbia, L.L.Bean, Eddie Bauer and Patagonia for dependable construction and customer service. Patagonia offers repair services through its Worn Wear program, while L.L.Bean and Eddie Bauer have long been recognized for standing behind their products.

Retailers like REI are also popular because of their knowledgeable staff and customer-friendly return policy for members.

Luggage

Luggage might not seem worth splurging on until you're standing in an airport with a broken wheel or jammed zipper. Frequent travelers on Reddit often mention eventually upgrading to sturdier luggage after dealing with repeated travel headaches from cheaper sets that didn't hold up well.

Experienced travelers often recommend luggage brands such as Travelpro, Briggs & Riley, Samsonite and Away for their durability and customer support. Briggs & Riley is especially well known for its lifetime repair guarantee, while Travelpro has long been a favorite among airline crews.

Cookware and appliances

Cookware is another area where cheaper products sometimes create more hassle than savings. Thin pans can warp, nonstick coatings may peel quickly and inexpensive kitchen appliances are often difficult or impossible to repair once something goes wrong.

Several Reddit users also pointed out how frustrating it can be when appliances fail after only a few years and replacement ends up being cheaper than fixing them.

When buying cookware, look for durable materials like stainless steel or cast iron that can last for decades with proper care. Brands such as All-Clad, Lodge, Tramontina and Cuisinart are often recommended for balancing quality and value.

For small kitchen appliances, shoppers frequently praise brands like KitchenAid, Breville and Vitamix for their reliability.

Phone chargers and electronics accessories

Many people have experienced the cycle of buying cheap charging cables that fray, stop working or charge inconsistently after a few months. While replacing a charger may not seem like a huge expense, constantly rebuying low-quality electronics accessories can quietly add up over time.

Instead of buying the cheapest charging cable available, consider using accessories from your phone's manufacturer, such as Apple, Samsung or Google, or trusted brands like Anker and Belkin. These companies have built reputations for durable cables, dependable charging and products that meet safety standards, helping reduce the need for frequent replacements.

Why these purchases often fail

Not every inexpensive product is poorly made, but certain items are more likely to wear out quickly when manufacturers cut corners to keep prices low. Products that get heavy daily use, like shoes, office chairs, cookware and appliances, usually need stronger materials and better construction to truly hold up over time.

Here are some of the biggest reasons cheaper products often fail sooner than expected:

• Lower-quality materials: Thin fabrics, weak plastics and low-grade foam tend to break down faster with regular use, especially when exposed to heat, moisture or heavy wear.
• Weak stitching or construction: Poor assembly can lead to issues like broken seams, loose handles, wobbling furniture or parts falling apart much sooner than they should.
• Poor repairability: Some cheaper products are designed to be replaced rather than repaired, making even small fixes difficult or impossible.
• Lack of replacement parts: When replacement batteries, filters, wheels or other parts aren't available, consumers are often forced to buy an entirely new product instead of fixing the old one.
• Short warranties: Limited warranty coverage can sometimes signal that manufacturers don't expect the product to last very long under normal use.
• Planned obsolescence: Some products are intentionally designed with shorter lifespans so consumers will eventually need to replace them and buy again.
• Heavy daily wear and tear: Items used constantly, like mattresses, shoes and vacuums, naturally experience more stress, so lower-quality versions may wear out much faster.

When spending more actually saves money

This is where the idea of "cost per use" becomes helpful. Instead of focusing only on the sticker price, some shoppers calculate how much value they'll get from an item over time.

For example, a $200 pair of boots worn regularly for 10 years may ultimately cost less per wear than replacing a $50 pair every winter. That doesn't mean you always need the most expensive version. But it can make sense to pay a little more for products that are:

• Used daily
• Difficult to replace
• Important for comfort or safety
• Repairable
• Backed by longer warranties

Shoppers in online discussions often say they now pay closer attention to things like warranty coverage as well as material quality and whether replacement parts are available before making bigger purchases.

How to know when quality matters most

One helpful way to decide where it's worth spending a little more is to consider how often you use something and how much it affects your daily comfort, convenience, or safety.

A common rule of thumb is to prioritize quality for things that separate you from the ground, including:

• Shoes
• Mattresses
• Tires
• Office chairs

These purchases directly impact your body and overall comfort. Cheap shoes can lead to foot pain, poor mattresses can affect sleep quality and low-quality office chairs may contribute to back or neck strain over time.

It can also make sense to spend more on items you use almost every day. For example, if you cook frequently, investing in durable cookware or reliable kitchen appliances may save you from replacing warped pans or broken gadgets every few years.

Another factor to consider is repairability. Products with replaceable parts, longer warranties or repair options may last significantly longer than items designed to be disposable. Before buying, it can help to check whether replacement parts are available and read reviews that discuss the item's long-term durability rather than just first impressions.

At the same time, not every purchase needs to be built to last forever. Trend-based items, seasonal décor or products you rarely use may not require premium materials or top-tier pricing.

You don't always need the premium version

While some products are worth upgrading, there's also a point where spending more stops providing meaningful value.

For many purchases, the best option is often somewhere in the middle: not the cheapest version, but not the luxury version either.

Take kitchen appliances, for example. A basic coffee maker that costs too little may break after a year, but a high-end model with dozens of specialty features may not make sense for someone who simply wants a reliable cup of coffee each morning. In many cases, a well-reviewed mid-range product offers the best balance between durability, functionality and price.

The same idea applies to clothing, electronics and household items. Paying more for solid materials, good reviews and dependable performance can be worthwhile, but chasing every premium upgrade or luxury feature can quickly lead to overspending.

You can save money by focusing on value instead of branding alone. Reading reviews carefully, comparing warranty coverage and choosing products based on actual needs can help you avoid both cheaply made products and unnecessary splurges.

Trying to save money is important, especially as everyday costs continue to rise. But some purchases end up costing more in the long run when they need to be constantly replaced. Being intentional about which purchases deserve a little extra investment can help you save money over time, avoid constant replacements and get more value out of the things you use every day.

Every smart purchase is part of a bigger financial plan. Use the Bankrate tool below to connect with a financial advisor to build a strategy that helps you make the most of your money:

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Costco has agreed to a $14 million settlement to resolve a class action lawsuit alleging the warehouse club sent misleading promotional emails to customers in Washington. While the settlement has received preliminary court approval, the details — including how much each eligible customer will receive — are still being worked out.

The promotional emails in question were sent out between June 2, 2021, and July 7, 2026. As part of the terms of the settlement, Costco denies any wrongdoing and says it complied fully with the law.

While the settlement awaits final approval, here's what Costco members need to know about who's eligible, how to file a claim and what to expect.

What is the Costco class action lawsuit about?

The class action lawsuit filed on June 2, 2025 alleges that Costco sent out promotional emails with misleading subject lines, violating the Washington Consumer Protection Act and the Washington Commercial Electronic Mail Act.

For example, the warehouse club sent out emails with allegedly misleading subject lines like "Today is the last day to access Member-Only Savings" and "Hot Buys available for 5 Days Only." The lawsuit alleges the emails "advertised temporary or time-limited promotions to consumers, when in fact Costco knew it was going to extend those promotions past the stated time frame."

In short, the lawsuit claims Costco used misleading statements to pressure customers into making purchases during "limited time" sales that the company already intended to extend beyond the stated end date.

If the settlement receives final approval, the case will end without Costco being found liable under Washington's Commercial Electronic Mail Act. That means even if you're eligible to file a claim, you shouldn't expect to receive the law's maximum statutory damages of $500 per qualifying email. Instead, eligible customers will receive a share of the settlement fund based on the final terms approved by the court.

Who is eligible for a payout from the Costco settlement?

To be eligible for a payout, you must have lived in the state of Washington and received a commercial email from Costco at some point between June 2, 2021 and July 7, 2026. You may have already received an email about your eligibility to file a claim. If so, you can use the Claim ID and other information in that email to file a claim online.

If you haven't already received an email notifying you that you might be eligible, you can go to the court-approved website, washingtoncommercialemailsettlement.com, to file a claim without a Claim ID and see if you are, in fact, eligible.

What is the deadline to file a claim?

If you believe you're eligible, file a claim through the court-approved website by August 24, 2026. If you don't submit a claim, you won't receive a payment.

If you want to be excluded from the settlement — say, because you'd like to file a lawsuit on your own — you need to opt out by that same August 24 deadline.

When will payments go out in the Costco settlement?

A date has not been set yet for the payouts because the complete terms have not been finalized. A final approval hearing is scheduled for October 2, 2026 so you can expect to see more specific details sometime after that.

In the meantime, make sure you file your claim (or your intention to opt out) by the August 24, 2026 deadline to ensure you'll get any money you're entitled to.

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If you're like me, drinking coffee is one of the few relaxing parts of your day. Yet, do you ever think about the value you receive from your daily cups?

The thing is, coffee is a crop, but some companies don't treat it as such. Instead, they roast beans in large batches and ship them to grocery stores where they sit on shelves and lose peak freshness and taste.

With supply chain disruptions, geopolitical conflicts and climate change increasing coffee costs, you're paying a premium for logistics disguised as quality. Real freshness comes from transparent roasters that can show the methods behind their techniques. Here's what to look for to avoid the quiet cons in every coffee aisle.

A hidden factor that unlocks a coffee's true value

"The roast date is the true indicator," Kate Harner, a marketing and communications coordinator at Fresh Roasted Coffee Inc, a family-owned coffee roaster, tells Kiplinger. Yet, finding many coffee companies' roasting dates can be like finding a needle in the world's largest haystack.

"Many companies don't disclose the roasting date because then they would need to provide verifiable data," Harner says. And this is crucial too, given that coffee's peak freshness is within the first month after roasting.

That's why I won't buy coffee without a roasting date. I've also discovered that coffee brands that talk a big game usually don't deliver on freshness, taste or value.

Buying better coffee doesn't mean you'll spend less per bag. The key is to focus on the coffee's usability. If you open a bag from the grocery store and it only lasts a week or shorter, you're paying a premium for a product that doesn't last as long as it's intended, forcing you to spend more.

Here's a breakdown of coffee costs per type and the value each delivers:

What to look for from your favorite coffee brands

Since you're not likely to find the information you want on your favorite coffee company's bag, you'll need to do a little detective work. Harner recommends looking for specific, verifiable signals revealing true freshness, rather than relying on "best by" dates.

When evaluating a brand, look for these indicators:

• A roast date: Unlike a "best by" date, which often obscures the coffee's true age, a printed roast date confirms when the coffee was actually prepared.
• Companies that roast to order: Look for brands that roast to order or in small batches, rather than large-batch roasters, where coffee sits on the shelf and loses flavor and freshness.
• Nitrogen flushing: Roasters focused on quality flush bags with nitrogen during packaging to remove any oxygen. This preserves the coffee's flavor until you're ready to brew it.

Beyond the packaging, Harner says, "Go to the company's site, research their roasting process, and find any sourcing or roasting certifications. Then, you can determine if the price truly matches the quality."

Choose substance over hype

Be skeptical of any coffee company promoting buzzwords like "clean", "mold-free," or "artisanal." These are not verifiable descriptions; instead, they serve as marketing gimmicks to justify higher prices.

True transparency resides in hard evidence. As you research a company, look for verifiable certifications, such as the USDA Organic seal or GMO-free labels. This transparency can reward you with better-tasting coffee and your wallet with better value with every cup.

Ultimately, the best coffee isn't the most expensive; it's the freshest. By ignoring the buzzwords and seeking out roasters that offer roasting dates, you ensure that every dollar you spend on coffee results in a cup worth drinking.

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Remember the days of blinking in-store coupon dispensers and thick, mailbox-clogging booklets full of grocery discounts? Depending on where you live, that might still be your weekly reality.

But those days are fading fast, as rising print costs and falling newspaper circulations push glossy inserts into history. Yet the need to save on food costs is stronger than ever — especially since strategic couponing can still slash roughly 17% off the average grocery run.

That's where the grocery store surprise bags come in.

If you're familiar with the mystery liquidation bundles at flea markets or online auctions, you might already know how it works: stores sell a grab bag of goods, and you reap the discounts.

Now, traditional grocery stores are getting in on the action — cutting retail prices by 50% to 75% on leftover inventory through smartphone apps.

But there's a catch: What you save in cash, you pay for in scarcity, variety, and relative value. To see if the tradeoffs are worth it, I bought a grocery store surprise bag on a popular app so you don't have to navigate these "surprise taxes" alone. Here's what I found.

This article is not a sponsorship or an endorsement of any particular product. Information is provided for educational purposes only.

What are grocery store surprise bags?

At their core, grocery surprise bags are mystery bundles of surplus produce, baked goods, and canned or boxed items sold at steep discounts. The premise is simple. You buy leftover inventory to avoid paying premium prices, and the stores successfully curb their food waste.

Here's how the process works:

1. Download the app. You install a surplus food app on your smartphone.
2. Find nearby stores. You enter your location to view nearby participating grocery stores, bakeries, and markets. I was surprised (pun intended) to find major national chains like Whole Foods and The Fresh Market alongside local independent shops.
3. Reserve and pay. When you spot an available surprise bag in your area, you reserve and pay for it directly through the app.
4. Pick up. Each store has a dedicated pickup window. You simply arrive during that timeframe, show the clerk your digital receipt, and claim your bag.

For my experiment, I chose Too Good To Go, the app that popularized the term "Surprise Bag" for grocery mystery bundles and has over 120 million registered users worldwide. The app's website also states that its bag prices are "roughly a third of the original price," which I was eager to test firsthand.

My experience buying a grocery store surprise bag

With traditional coupons, you know exactly what you're buying. With a surprise bag, you surrender all control over the contents, condition, and variety of the food.

So when I purchased a surprise grocery bag for the first time, I was somewhat skeptical about whether it would be truly "worth it."

Would I get a random collection of unusable items? Would the food be stale, expired, or overvalued by the app?

To find out, I purchased a "Bakery Surprise Bag" from The Fresh Market (one of two major grocers in the area on the Too Good To Go app). The bag promised $30 worth of food for just $10 (plus sales tax).

Then I went for pickup. I arrived during the designated 10 a.m. to 6 p.m. pickup period and showed my order to the store manager, who verified my bag type and retrieved my haul from the back.

After that, I managed a quick Q&A to see how the system worked on their end. This is roughly how the conversation went:

Me: When are the bags put together?
Store manager: Every morning. They sell out fast, usually between 7 am and 8 am (I had purchased my bag at 8:30 am that morning).

Me: How much are they worth?
Store manager: They're worth a lot. I think it's $35.

Did you catch that? The bag was supposed to be worth $30, not $35. Apparently, I was already receiving a more valuable bag than anticipated, which probably explains why the store had a 4.8-star rating (out of 5) on the app.

But, to my disappointment, the store manager couldn't tell me exactly when the items were baked. For that, I needed to inspect the items thoroughly (oh, darn…taste test time).

Here's what I got

List of what I received (from left to right):

• Peach Creme Challah
• Rustic Italian Bread
• Sweet Hawaiian Dinner Rolls (12-count)
• Blueberry Muffins (4-count)

A quick inspection at home revealed that everything was stamped with that exact day's sell-by date.

Fortunately, because baked goods don't spoil immediately, this still gave my family a comfortable two- to five-day window to enjoy the breads and pastries. Nothing was stale, and everyone agreed the selection was delicious — especially the blueberry muffins (seriously, they were incredibly moist).

In the end, the items tasted nice (and we could eat them comfortably before they expired), but questions about the value remained. What was the true worth of all these items?

Are the surprise bags worth it? The value of what you get

To verify the app's claims of $10 for $30 (or the manager's $35), I tallied up the standard retail pricing of the items I received according to their printed labels.