If you've been considering a Sam's Club membership, this may be the best deal you'll see all year.

Through July 5, new members can sign up for a standard Sam's Club membership for just $15 for the first year, a $45 discount from the regular $60 annual fee. Shoppers who want additional perks can join Sam's Plus for $50 for the first year, saving $50 off the regular price.

The promotion comes just weeks after Sam's Club raised membership prices, making the discount even more attractive for shoppers considering a warehouse club membership. Whether you're stocking up on groceries, filling up at member-priced gas stations or preparing for summer entertaining, the deal lowers the cost of trying Sam's Club while giving shoppers access to a range of member benefits.

Sam's Club membership: $15 for the first year

The standard Club membership is designed for shoppers who want access to warehouse pricing without paying for premium perks.

For $15, members receive:

• Member-only pricing throughout the warehouse
• Discounted fuel at Sam's Club gas stations
• Scan & Go checkout through the Sam's Club app
• Free curbside pickup on eligible orders
• Two membership cards per household
• Access to Instant Savings offers

If your primary goal is saving money on groceries, household essentials, seasonal items and gas, the $15 introductory offer may be all you need.

Sam's Plus membership: $50 for the first year

Frequent Sam's Club shoppers may find additional value in the Plus membership, which is currently discounted to $50 for the first year.

The Plus membership includes all Club-level benefits, plus:

• 2% Sam's Cash back on eligible purchases
• Free shipping on eligible orders over $50
• Free same-day or next-day delivery on eligible orders over $50
• Exclusive shopping hours from 8 to 9 a.m. every day
• Additional pharmacy savings
• Additional optical savings
• Tire and battery center discounts

The extra perks can help offset the higher membership cost, particularly for shoppers who regularly place online orders, use pharmacy or optical services or spend enough to earn Sam's Cash rewards.

Is the Sam's Club deal worth it?

At $15, the standard membership is one of the lowest-priced warehouse club promotions currently available and offers a low-risk way to test whether Sam's Club fits your shopping habits.

The Plus membership requires a larger upfront investment, but shoppers who frequently use delivery services, earn Sam's Cash rewards or take advantage of pharmacy and optical savings may find the upgraded membership pays for itself over the course of the year.

The limited-time promotion ends July 5 and is available only to eligible new members.

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It can feel like there's always a sale happening. Right now, shoppers are being bombarded with promotions from Amazon Prime Day, Walmart Deals and other summer sales events, all promising big discounts and limited-time offers. But just because something is on sale doesn't mean it's the best time to buy.

Many of the biggest savings happen when retailers are clearing out seasonal inventory, making room for new models or trying to boost sales during slower shopping periods. That's why timing can matter just as much as the item you're purchasing. Buying a refrigerator during a major holiday sale, waiting until the end of summer for patio furniture or shopping back-to-school promotions for electronics can often lead to bigger discounts than shopping during a headline-grabbing sales event.

Instead of focusing on a single shopping holiday, it helps to look at the retail calendar as a whole. Certain products tend to go on sale at the same times every year, making it easier to plan larger purchases and avoid paying full price. Here's a month-by-month guide to some of the best times to buy household goods, electronics, seasonal items and more throughout 2026.

January

Best buys: TVs, fitness equipment, gym memberships, bedding, towels, linens, holiday décor and winter clearance items

January is one of the strongest months for bargain hunters. Retailers heavily discount TVs ahead of the Super Bowl as shoppers upgrade their home entertainment setups. You’ll often find markdowns on large-screen TVs, soundbars and streaming devices throughout the month.

Fitness equipment and gym memberships also go on sale as companies capitalize on New Year’s resolutions. Expect deals on treadmills, weights, exercise bikes and fitness subscriptions.

January is also prime time for clearance shopping. Holiday décor, wrapping paper and winter seasonal items are deeply discounted after Christmas. Many department stores also hold traditional "white sales," which focus on bedding, towels and linens.

February

Best buys: Mattresses, furniture, appliances, winter apparel and winter sports gear

February is one of the best months to find deals on big-ticket household purchases thanks to Presidents Day sales. Mattress retailers often compete aggressively during the holiday weekend, offering deep discounts, free delivery and bundle deals that can rival some of the best promotions of the year.

Furniture stores also begin clearing older inventory to make room for new spring collections. If you're shopping for a sofa, dining table, bedroom set or other large furniture purchase, February can be a good time to buy before new styles arrive and prices reset.

You'll also find growing clearance sales on winter clothing, boots and cold-weather gear as retailers shift their focus to spring merchandise. Ski, snowboard and other winter sports equipment may also be marked down as the season winds down.

March

Best buys: Vacuums, carpet cleaners, storage and organization products, tax software, and lawn and garden supplies

March is a strong month for home organization and cleaning deals as retailers lean into spring-cleaning season. Shoppers can often find discounts on vacuums, carpet cleaners, storage bins, shelving units and other products designed to help tackle household projects after winter.

Tax software providers also frequently offer promotions as the filing deadline approaches, particularly on basic and DIY filing packages. If you haven't filed yet, March can be a good time to compare pricing and take advantage of limited-time discounts.

You'll also begin to see early-season deals on lawn and garden supplies before demand peaks later in the spring. Purchasing outdoor tools, hoses, planters and gardening essentials early may help you avoid higher prices later in the season.

April

Best buys: Airfare, hotel stays, smartphones, tech devices, luggage, outdoor gear and camping equipment

April can be a surprisingly good month for travel deals. As part of the spring shoulder season — the period between winter travel and peak summer vacation demand — travelers may find lower airfare and hotel rates, especially if their plans are flexible.

It's also a good time to shop for slightly older smartphones and tech devices. Retailers sometimes offer discounts on existing models ahead of anticipated summer and fall product launches, creating opportunities to save without sacrificing many features.

Outdoor gear, luggage and camping equipment can also be attractively priced before summer demand ramps up. Buying early may help you avoid the higher prices that often arrive closer to peak travel and camping season.

May

Best buys: Appliances, patio furniture, grills and mattresses

May is one of the best shopping months of the year thanks to Memorial Day sales. Large appliances, including refrigerators, washers, dryers and dishwashers, often see significant discounts as retailers make room for newer inventory arriving later in the year.

Patio furniture and grills are also heavily promoted ahead of the summer entertaining season. While the deepest clearance prices typically arrive at the end of summer, May sales can still offer strong value while providing a broader selection of styles and models.

Mattresses remain another major Memorial Day sale category, giving shoppers a second opportunity to find deals after Presidents Day promotions.

June

Best buys: Tools, grills, lawn equipment, home improvement products, cookware, small kitchen appliances and fine jewelry

June offers a mix of seasonal promotions and holiday sales that can create savings opportunities across several categories. Father's Day sales often drive discounts on power tools, lawn equipment, grills and garage organization products, making it a good time for homeowners and DIY enthusiasts to shop.

The month is also closely tied to wedding season, prompting retailers to offer deals on cookware, small kitchen appliances and fine jewelry as they target gift buyers and newlyweds. If you're furnishing a kitchen or replacing household essentials, June sales can provide opportunities to save.

In recent years, June has also become a major month for online shopping events. Retailers such as Amazon, Walmart and Best Buy frequently launch summer sales and competing deal events ahead of peak back-to-school and holiday shopping seasons. While timing varies from year to year, shoppers may find discounts on electronics, smart-home devices, laptops, TVs and everyday household items throughout the month.

July

Best buys: Electronics, laptops, tablets, TVs, smart-home devices, furniture, mattresses and summer apparel

July has become one of the biggest shopping months of the year thanks to major mid-summer sales events. Retailers compete aggressively for shoppers' attention, creating opportunities to save on electronics, tech products and smart-home devices. Laptops, tablets, headphones, TVs and other popular gadgets are frequently among the most heavily discounted categories.

Fourth of July sales can also bring strong deals on furniture and mattresses as retailers use the holiday weekend to attract shoppers making larger household purchases.

By mid- to late July, many stores begin marking down summer clothing, footwear and seasonal apparel to make room for incoming fall inventory. Shoppers who don't need the latest styles can often find some of the season's best clothing discounts during this transition period.

August

Best buys: Laptops, tablets, office furniture, dorm essentials, desks, office chairs, organizational products, summer apparel and jewelry

August is one of the best months to shop for back-to-school deals. Retailers frequently discount laptops, tablets, printers and other technology products while offering bundles that include accessories, software or student-focused incentives.

The back-to-school shopping season also creates savings opportunities on office furniture, including desks, office chairs and organizational products. Even shoppers who aren't students can often benefit from these promotions when setting up a home office or workspace.

Meanwhile, summer clothing and seasonal apparel typically move deeper into clearance as retailers prepare for fall merchandise. Some jewelry categories, including engagement rings, may also see softer pricing before demand begins to increase ahead of the holiday shopping season.

September

Best buys: Vehicles, grills, patio furniture, gardening tools and appliances

September can be an excellent time to shop for a vehicle. As dealerships begin making room for next year's inventory, outgoing model-year vehicles may be discounted to encourage sales. End-of-quarter sales goals can also create opportunities for buyers to negotiate more aggressively on price, financing or trade-in offers.

It's also one of the best months to find clearance deals on outdoor living products. Grills, patio furniture, gardening tools and other seasonal items are often heavily marked down as retailers shift their focus to fall and holiday merchandise.

Appliances may also see promotional pricing during September as manufacturers and retailers prepare for new model introductions and year-end sales events.

October

Best buys: Lawn equipment, camping gear, outdoor recreation products and post-Halloween clearance

October is a transitional shopping month that can offer overlooked bargains for shoppers planning ahead. As colder weather approaches in many parts of the country, retailers often begin clearing out lawn equipment, camping gear and outdoor recreation products to make room for winter inventory.

Some retailers also start rolling out early holiday promotions on electronics, home goods and seasonal gifts ahead of the major shopping events that arrive in November. While the biggest deals may still be weeks away, October can provide opportunities to buy before inventory becomes limited.

One of the best savings opportunities comes immediately after Halloween. Costumes, decorations, party supplies and seasonal candy are often marked down significantly as retailers clear remaining inventory. Shopping post-Halloween sales can be a smart way to stock up on costumes for future school spirit weeks, themed work events and next year's celebrations at a fraction of the original price.

November

Best buys: TVs, laptops, gaming systems, smart-home devices, small appliances, streaming services and holiday gifts

November remains the heavyweight champion of shopping deals. Black Friday and Cyber Monday continue to deliver some of the year's best discounts on TVs, laptops, gaming systems, smart-home technology and small appliances. Retailers often compete aggressively in these high-profile categories to attract shoppers and drive traffic.

Holiday gifts, kitchen gadgets, coffee makers, air fryers and other popular household products also see widespread promotions throughout the month. Many retailers extend sales well beyond Thanksgiving weekend, giving shoppers more opportunities to compare prices and avoid the rush.

November is also one of the best times of the year to save on streaming services. Providers frequently offer limited-time promotions on both new and returning subscriptions, making it a good month to lock in discounted rates on entertainment services for the year.

Despite the abundance of deals, not every sale represents a true bargain. Comparing prices ahead of time, using price-tracking tools and sticking to a shopping list can help shoppers avoid impulse purchases during the year's biggest sales events.

December

Best buys: Vehicles, holiday décor, toys, winter apparel, storage containers and travel bookings

December can offer surprisingly strong savings opportunities, especially for car buyers. As dealerships work to hit month-end, quarter-end and annual sales goals, shoppers may find some of the year's best opportunities to negotiate pricing on new vehicles.

After Christmas, retailers begin clearing out holiday inventory, leading to steep markdowns on decorations, wrapping supplies, toys, gift sets and seasonal merchandise. Winter apparel may also see discounts as stores look ahead to spring inventory.

Post-holiday clearance sales can be an especially good time to buy storage totes, ornament organizers and other storage solutions. Purchasing these items after Christmas can help you protect holiday decorations and family keepsakes while paying a fraction of peak-season prices.

December can also be a smart time to start planning next year's travel. Booking flights, accommodations and other travel arrangements early, particularly for popular summer vacation periods, may help travelers secure lower prices before demand increases in the months ahead.

The best strategy isn't always buying immediately

Retailers often rely on urgency and impulse buying to drive sales, but many products follow predictable discount cycles throughout the year.

Waiting a few weeks — or even a few months — for the right sales window can significantly reduce the cost of major purchases without sacrificing quality. Whether you're shopping for a new TV, appliance, mattress or vehicle, buying at the right time can lead to savings.

If you're looking to stretch your budget in 2026, timing your purchases strategically may be one of the simplest and most effective ways to save money.

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Tipping has always been part of everyday life, whether you're dining out, getting a haircut or ordering food delivery. But in recent years, you may have noticed that tip prompts seem to be appearing in more places than ever before.

At the same time, inflation has pushed up the cost of restaurant meals, personal services and other everyday expenses. That means even when you're leaving the same percentage tip you always have, the dollar amount is often higher simply because the bill is higher.

The result is that many people are taking a closer look at their tipping habits and wondering what's expected, what's optional and how to be generous without stretching their budget too thin. Some services still have well-established tipping norms, while in other situations, gratuities are entirely up to the customer. Understanding the difference can help you make confident decisions the next time you're faced with a payment screen asking for an extra 20% or more.

Here's a practical guide to who to tip, how much to tip and when it's perfectly reasonable to skip the extra charge.

The services where tipping is still expected

Today, customers are being asked to tip almost everywhere. Digital payment screens now appear at coffee shops, bakeries, food trucks, self-checkout counters and even some retail stores.

Shoppers and media outlets began using the term "tipflation" to describe the combination of rising prices, higher suggested gratuities and tip requests appearing in more everyday transactions. Meanwhile, workers in many service industries continue to rely on tips as a significant part of their income.

While tipping norms continue to evolve, there are several situations where gratuities remain an established part of compensation.

Places where tipping is optional

Not every tip prompt requires a tip. Many people encounter gratuity requests in situations where tipping was uncommon just a few years ago, including:

• Coffee shops
• Frozen yogurt shops
• Retail checkout counters
• Self-service kiosks
• Grab-and-go food counters
• Convenience stores

In these situations, tipping is usually optional rather than something customers are expected to do. That doesn't mean you should never tip.

If a barista remembers your order, prepares a complicated custom drink or provides exceptional service, leaving a dollar or two can be a thoughtful gesture. Likewise, if a worker goes above and beyond to help you, a small gratuity may be appropriate.

However, customers shouldn't feel obligated to leave 20% simply because a payment screen suggests it. If there is little or no personalized service involved, selecting "No Tip" or entering a smaller custom amount is perfectly reasonable.

Should you tip on the pre-tax amount or total bill?

Traditional etiquette suggests calculating tips based on the pre-tax subtotal rather than the final amount after sales tax. While many people tip on the total bill because it's easier, tipping on the subtotal avoids paying a gratuity on taxes as well.

In the example below, tipping 20% on the pre-tax bill results in a $16 tip, while tipping 20% on the total bill results in a $17.60 tip.

Restaurant bill:

• Food and drinks: $80
• Sales tax: $8
• Total bill: $88

The difference isn't enormous on one meal, but it can add up over time.

Either method is acceptable, but tipping on the pre-tax subtotal aligns with traditional etiquette guidelines.

How inflation changes the math

One reason tipping feels more expensive today is that menu prices and service costs have increased significantly. Consider a restaurant meal that cost $50 in 2020. A 20% tip would have been $10.

Now imagine that same meal costs $70 in 2026 due to higher food, labor and operating costs. A 20% tip jumps to $14. The tipping percentage hasn't changed, but you're spending 40% more because the underlying bill is higher.

That's one reason many diners feel stretched. They're paying more for the meal itself and more for the gratuity attached to it.

Inflation and higher suggested tip percentages have combined to create what many describe as tipping fatigue. At the same time, workers are also facing higher living costs, creating tension on both sides of the transaction.

What to do when the payment screen starts at 25%

Many modern payment systems now display suggested tip options of 20%, 25% or even 30%. Seeing those numbers can make consumers feel pressured to spend more than they planned.

The good news is that you almost always have another option.

Most digital payment systems include a "Custom Tip" button that allows you to enter your own amount. If your personal standard is 15% or 18%, you can simply select a custom gratuity instead of choosing the suggested options.

A quick way to estimate a tip:

• 10% = move the decimal one place left
• 20% = double the 10% amount
• 15% = calculate 10% and add half of that amount

For example:

• $50 bill
• 10% = $5
• 20% = $10
• 15% = $7.50

Experts generally agree that customers shouldn't feel guilty for choosing a reasonable gratuity that fits their budget and aligns with the level of service received.

Create your own tipping rules

One of the easiest ways to reduce tipping stress is to establish personal guidelines before you're standing at the register.

You might decide:

• Always tip 20% at sit-down restaurants.
• Tip food delivery drivers at least $5 or 15%.
• Leave $1 at coffee shops for custom orders.
• Skip tips at self-service kiosks.
• Tip more during bad weather or when service exceeds expectations.

You can also create a monthly "tipping budget" just as you would for dining out or entertainment expenses.

Having a plan helps remove the guilt and uncertainty that many feel when confronted with endless tipping prompts. Instead of reacting to pressure on a screen, you're simply following rules that fit your finances and values.

Tipping doesn't have to be stressful

Tipping culture continues to evolve, but customers don't have to feel obligated to tip everywhere they're asked.

A practical approach is to prioritize workers who traditionally rely on gratuities, understand where tipping is optional and set personal guidelines that fit your budget. With inflation continuing to strain household finances, consistency matters more than giving in to every suggested tip screen. In these cases, it's perfectly reasonable to decide your tip amount based on your budget and the experience you had.

Need help building a financial plan? Use the tool below, powered by Bankrate, to connect with a financial professional who will help you reach your financial goals.

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Last month, Amazon announced anyone with a Kindle built before 2013 will no longer have access to the Kindle Store, Kindle Unlimited or the "send to Kindle" service. The news effectively meant that older Kindles would be almost useless.

If your device was among the models affected, this year's Amazon Prime Day sale is the perfect opportunity to snag the upgraded device you need at a discount.

Whether you're shopping for a brand new eReader or looking for something used but still in good condition, this week, the major online marketplace is packed with plenty of discounted tech to save you money. To help you find the right replacement for your old eReader, here's a roundup of the best Amazon Prime Day deals on Kindles this week.

Best Prime Day Kindle deals to shop now

To get the most time out of your next Kindle purchase, it helps to buy brand new. Since companies tend to stop providing support after a few years and, in Amazon's case, may even remove features, you can get the most years out of your next Kindle before support ends by getting the latest model.

If you get that latest model during the Amazon Prime Day sale, you can stretch your dollar even further by paying less than full price. With that in mind, here are the best Amazon Prime Day Kindle deals available right now:

Tips for buying a used Kindle on Amazon

If you held onto your last Kindle long enough that Amazon cut support for it, even a used Kindle that's a couple years old will feel like a major upgrade in features and functionality.

And you can often find prices even lower than the best Prime Day deals on the latest models if you browse Amazon Resale, the major retailer's used marketplace.

But there is a catch. Buying used tech means you have to be careful about the quality and condition of the device you're buying. Since Amazon's marketplace can be a little confusing to navigate, here are a few tips to get your money's worth when shopping used:

• Choose "like new" condition: Amazon rates the condition of used items on its website on a scale of "as is" to "like new." While even the worst condition products should still be functional, tech is one of those categories where you want to stick as close to new condition as possible.
• Note the return policy: While there are some things you can't return to Amazon, used products aren't on the list. Still, you will have a limited window of time during which you can get a refund. As soon as the Kindle arrives, test out all the features a few times over to make sure everything works as expected. That includes page navigation, charging speed, downloading books, browsing your library and other key features you need for a smooth reading experience. That way, if something is off, you're well within the return window to get your money back.
• Check the seller: Your best bet is to go with a Kindle that's shipped and sold by Amazon directly. But depending on the model you're looking at, the device in the best condition might be from a third-party seller. If that's the case, make sure the seller has a strong rating (with many reviews) and then double check their return policy, as it can differ from Amazon's standard return policy.

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Amazon Prime Day is here. This is a four-day sales event running from Tuesday, June 23, through Friday, June 26.

While many of these sales don't have deep discounts, I use them as a chance to score discounts on items that improve my home's functionality and safety. On this end, Prime Day doesn't disappoint.

But first, make sure you have an Amazon Prime membership to shop the event. If you don't have one and you're new to Prime, you can sign up for a 30-day free trial. Now, here are a few items that can give you peace of mind, improve your home's functionality and potentially save you money.

This deal protects your biggest asset

I bought an older home a few years ago, and one of my main concerns was its electrical. Then, I found out about the Ting sensor. It's a smart home sensor you plug into a wall that detects electrical irregularities that could result in a house fire.

Once you install the plug, you download the free Ting app on your phone to monitor it. You'll receive real-time alerts when it detects issues. Some issues it detects include micro-arcing, caused by faulty wiring, malfunctioning devices or loose connections.

Now, I have peace of mind knowing that if any hazards arise, I can fix them before a fire occurs. During Prime Day, you'll save $20 on a Ting sensor.

This deal adds another layer of protection to your home

Smart locks are among the smartest home security upgrades you'll make. They're easy to install. And I like them for the convenience and security they offer.

These devices typically feature a keypad for PIN codes or biometric sensors, allowing you to secure your home without fumbling for physical keys. You can install them on any entry point, such as your front door, and even assign temporary codes for guests or service providers.

Worried you didn't lock your front door when you left home? Access the app and lock it remotely, instead of driving back home. You should also look for ones, like the one I recommend here, that offer weatherproofing and battery backup, so you still have access during a power outage.

And during Prime Day, you can save up to $65 on this option:

Lower your home's energy costs with this deal

Electric bills continue to surge. With the summer months driving up demand, the average household will spend 10.5% more, per the National Energy Assistance Directors Association.

The main culprit behind your energy costs? Your air conditioner. This is where a smart thermostat helps you control costs. If you plan to be away from home for days or weeks at a time, you can set your thermostat at a higher temperature. This reduces the demand placed on your AC unit and the energy it uses.

Over time, setting your thermostat by 7 to 10 degrees warmer when you're away from home lowers your energy costs by around 10%. This could equate to hundreds of dollars per year. On top of that, you can save $50 on a new unit during Prime Day.

Ultimately, while Prime Day isn't overflowing with deep discounts, it doesn't mean you can't find good deals. Being strategic when shopping can help you find deals that add value to your home, both now and into the future. These three deals represent ways you can improve your home's functionality, ensure it remains safe and save money on energy costs.

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When people talk about closing costs and other expenses to prepare for when you buy a new home, they often forget to mention furniture, gadgets and new decor. And after 15 years of living in apartments, when I moved into a house, there was a lot to purchase.

Suddenly, I had a separate dining room. And a living room that can fit an L-shaped couch. And a kitchen with enough storage space to finally fit my KitchenAid stand mixer. A backyard where we could grill! A basement where we could work out! Wonders never ceased, but those wonders have a price attached.

My husband and I have been slowly filling up the space, and I try to take advantage of sales seasons so we can save at least a little on all the purchases. Now is a great time to do that as Amazon Prime Day kicks off this week, setting off sales at other retailers, and as we approach annual Fourth of July season sales. We're starting our first full summer in the house, and here's what I'm looking out for. If I already made (or am specifically planning to make) a purchase, I'll let you know what I went with.

Items for hosting

One of the best parts of having a house is getting to host your friends and family, but it helps to have some key supplies. Here's what I'm looking at.

Drink pitchers

My ideal symbol of hosting is a pitcher of iced tea or lemonade at the ready when someone comes over, so I need pitchers. I looked for a glass pitcher over plastic so I can potentially run it through the dishwasher, but mostly so I don't have to think about microplastics.

Amazon option: This 1-gallon square pitcher has a strainer option on its lid, which is useful if you're making something like sangria or lemon-infused water. The list price is $41.23, and it's currently listed for $32.99.

Alternative option: This 64-ounce glass pitcher from Walmart is smaller than the Amazon option but has a more appealing design. It's typically $13.99 but currently lists for $12.59.

What I ended up getting: The lidded options are definitely functional, but I liked the aesthetic of this 80-ounce glass pitcher from Crate & Barrel for $14.95. If you've just moved, Crate & Barrel has a "new mover" promotion for a discount.

Drink dispensers

Along with multifunctional pitchers I can use for bringing water to the dining room table, I wanted a glass drink dispenser I could use for making batch cocktails.

Amazon option: This highly rated dispenser comes with a blackboard sign so you can write what the drink is along with the dispenser. It comes in 1-gallon, 1.5-gallon, and 2-gallon sizes, and it also has the option of getting two dispensers that sit side-by-side on a stand. There is a Prime Day Deal on it, and the 1-gallon set of two with a stand is $32.75 (list $38.99).

Alternative option: Target has a lot of handy home goods, including this stylish 1.8-gallon dispenser with a wooden stand. It's $34.99.

What I ended up getting: We're back at Crate & Barrel with a splurge: This 1.5-gallon dispenser with a marble stand is on sale as part of the company's 4th of July Warehouse Sale. Originally $154.90, it's 10% off.

Cornhole set

If you're having friends and family over, it's nice to have a noncommittal activity available to them, like cornhole. I thought this would be a simple purchase, but there are many different cornhole set options available, from regulation-sized to strictly portable. Let's get into it.

Amazon option: Amazon Basics has a portable set available made out of plywood. It has 4.5 stars from 2,500 reviews and is priced at $73.49.

Alternative options: You can get a Rec League regulation-sized set from Dick's Sporting Goods. It's usually $169.99 but is on major sale for $99.98.

REI sells a backpack cornhole game if you want one to be able to bring somewhere easily, for $39.95.

What I ended up getting: Believe it or not, this was a Costco purchase. Costco has a basic GoSports all-weather set with a simple but classic design. It's $159.99. If you're not already a member, you can get $40 back on a Costco membership.

Backyard fun

I'm excited to have a backyard to relax in. Here's what will make it more fun.

Grill

It's not a backyard summer without a grill. Grills come in all shapes, sizes and price points, so this is where it would help to do some research and pick out what you want, then see if it goes on sale.

Amazon option: Amazon has many Traeger grills, including this portable electric wood pellet grill and smoker. There is a Prime Day Deal on this for $422.61 (list price $499.99).

Alternative option: Lowes has some short-term sales on grills now, including this black pellet grill from PitBoss that has smart compatibility. Normally $749, it's $649 until June 24.

What I ended up getting: Following a friend's lead, we want to get a Weber grill — and you can get those at Costco, with delivery available. This gas grill, for example, is currently $110 off through June 28, coming in at $889.99. There's also a promotion going on through July 25 to save money if you buy multiple Costco Direct items on the same order. If you're not already a member, you can get $40 back on a Costco membership.

Patio umbrella

I was lucky to get a set of patio furniture from my parents that they didn't use anymore, but it's missing an umbrella. Here are some new options.

Amazon option: This 9-foot table umbrella comes in a multitude of colors and has 4.4 stars from over 5,000 reviews. The list price is $58.99, and it's currently on sale with a Prime Day Deal for $39.99.

Alternative options: If you don't have a table to put the umbrella in, try this 15-foot umbrella with a base from Walmart. It's typically $209.99, but certain colors are on sale for $119.99.

If you're a Sam's Club member, check out their patio furniture option. This 10-foot cabana umbrella is selling for $159.97.

Inflatable pool

If you don't buy a house with a pool, you might as well get the next best thing. Inflatable pools are great to have handy if you have grandchildren or nieces and nephews who visit — or if you're an adult who wants to relax outside on a hot day without going to a public pool.

Amazon option: This actually is the option I'm purchasing, based on a recommendation from a friend: An inflatable "tanning pool" lounger made for adults with a pillow to lean back on and cup holders for your lemonade. An extra-large option is typically $45.99 but is currently on sale with a Prime Day Deal for $31.99.

Alternative options: If you're looking for something more for kids, Target has an inflatable pool with a play center and a mini slide. It's usually $117.99 but is on sale for $45.99 (a whopping 61% off), and it has just over four stars from 79 reviews.

If you want something to imitate a real backyard pool, Walmart has an above-ground inflatable pool. A 12-foot version is usually $169.99 and is currently on sale for $109.99.

Summer activities

An exciting part of moving to a new place is getting to explore its public spaces. My new town has a lake and parks accessible to residents, as well as lots of summer concerts and movie screenings. Here's what I'm looking at to make the most of those resources.

Picnic blanket

Whether you're heading to a park or a beach, it's helpful to have a large picnic blanket. Here are some options I found.

Amazon option: This large beach blanket is made with sand in mind, and it has 4.7 stars from over 14,600 reviews. The list price is $28.98, and it's currently on sale with a Prime Day Deal for $18.97.

Alternative option: Target has an extra-large picnic blanket (70 by 80 inches) that's quilted for extra comfort. It's usually $39.99 and is currently on sale for $25.59.

What I ended up getting: I envision using this mostly for relaxing at a local park, so I needed something large and water-resistant for dewy grass. This XL picnic blanket tote from Macy's seems to fit the bill, according to reviews. It's usually $80 but has a Limited-Time Special price of $48.

Beach towels

I wanted to make sure I had extra beach towels so I have something to offer visiting friends if we go to the town pool. Here's what I looked at.

Amazon option: Amazon Basics has a couple of options of 100% cotton beach towels with the classic cabana stripe design. Their list price is $23.26.

Alternative options: If you want to get a few towels to have on hand, Walmart has a 4-pack of colorful beach towels. Usually $40.99, it's on sale for $29.99.

What I ended up getting: This was another Macy's purchase for me during their most recent sale: Striped cotton towels from The Beach House. Their list price is $50 each, but they currently have a Today Only price of $16.99.

Practical items

Now, living in a house is not all fun (inflatable pool!) and games (cornhole!) all the time. There's also upkeep to take care of. Here's what I'm managing, if it helps give you ideas.

Smart thermostat

Pretty much every time there's a sale season, I check for sales on smart thermostats so I can slowly but surely change out my outdated system.

Amazon option: Amazon has its own branded smart thermostat that you can link up with your Alexa. The list price for one thermostat is $79.99, and it's currently on sale with a Prime Day Deal for $57.99.

Alternative option: You can also buy thermostats directly from the manufacturer. Many HVAC experts I've talked to speak highly of the Ecobee; the Premium thermostat is usually $259.99, but is currently on sale for $209.99.

What I ended up getting: Once you start with one system, you basically have to keep going with it, so I always look for sales on Google Nest thermostats. A 4th gen learning thermostat is on sale at Best Buy for $239.99 (list price $279.99).

Dryer vent cap

This is a small detail, but homeowners know the value of paying attention to small details. In this case, a proper dryer vent could mean the difference between enjoying your summer or spending your summer fending off a wasp nest in your dryer vent.

Amazon option: Amazon offers a 4-inch dryer vent cover with a magnetic door and lint trap. It's usually $12.99 but has a Prime Day Deal for $9.99.

Alternative option: If a magnetic door seems a bit too much, Walmart has this classic dryer vent cover designed for airflow. It's $10.

What I ended up getting: My dryer vent is a good target for birds because of where it is on the house, so I went for this airtight dryer cover from Home Depot. It's $19.97.

Weeding tool

As your yard soaks in the sun and warmth, so do weeds. If you, like me, are in a battle against weeds, here are some good buys.

Amazon option: When I told the editor of the Kiplinger Retirement Report that I'd started gardening, he told me I needed to get a Japanese weeding tool for the most efficiency. This weeding sickle from Suizan is on Amazon for $27.80, and I'm keeping an eye out to see if it goes on sale.

Alternative options: Target has a 40-inch weed puller tool that allows you to do more while standing. It's usually $69.99 and is on sale for $39.99.

You could also skip the individual tools and invest in a whole set. Home Depot has a 9-piece gardening tool set with a functional tote bag from Misopily. It's usually $77.62 and is on sale for $72.27.

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Amazon Prime Day can be a great opportunity to save on everything from electronics to household essentials, but not every deal is as good as it looks. Running June 23 through June 26, the annual shopping event features thousands of discounts from Amazon and third-party sellers.

While Amazon is known for convenience and competitive pricing, some products are actually cheaper elsewhere. Others carry risks such as counterfeits, quality concerns or significant markups from third-party vendors.

Before you click "Buy Now," here are several categories of products that deserve a closer look.

Frequently returned items

Amazon places a "frequently returned item" badge on products with higher-than-average return rates compared with similar items. While the badge doesn't necessarily mean a product is poor quality, it can be a sign that buyers were disappointed by factors such as sizing, color, performance or overall quality.

Because online shoppers can't inspect products in person before buying, expectations don't always match reality. As a result, some items are returned more often than others.

If you see an item that’s frequently returned, check the reviews to see if there’s information about the issues that buyers had with the product. It may be safest to shop for another product that isn’t returned frequently.

Trader Joe's products

Trader Joe's doesn't sell products directly on Amazon, including its popular seasonal and viral items. Products listed on Amazon are typically sold by third-party resellers, often at significantly higher prices than you'd pay in a Trader Joe's store.

There's also less transparency around how those products have been stored and handled before they reach your doorstep. As a result, you may end up paying a premium for an item that doesn't meet the freshness or quality standards you'd expect from Trader Joe's.

Costco Kirkland Signature products

Kirkland Signature is Costco's private label brand, and the products are intended for Costco members. The third-party sellers who sell these products on Amazon often charge substantial markups.

For example, a 52-ounce container Kirkland Signature H.K Anderson Valencia Peanut Butter Filled Pretzel Nuggets are available on Amazon for $16.90. A 55-ounce container of the same product retails for $11.99 at Costco.

While you’ll need a Costco membership to shop at the warehouse, it might be worth the cost if you plan to regularly buy Kirkland Signature products.

Competitors' smart-home technology

Amazon sales might not be the best deals on smart-home technology. Manufacturer websites often run their own promotions, and these deals may be more competitive than Amazon’s.

For example, the Google Nest Hub Max is currently available through Google for $229. On Amazon, it retails for $93.25. Unless Amazon discounts it by nearly 50%, you’ll get a better deal buying it for full price from Google than you will buying it on sale from Amazon.

Since manufacturer prices are often lower than Amazon, be sure to comparison shop before checking out.

Impulse purchases disguised as deals

Events like Amazon Prime Day are full of deals structured to encourage you to quickly make buying decisions. Features like Lightning Deals, which are often only available for a number of hours, pressure you to check out quickly. Countdown timers and limited deals which are gone once the available number of products are sold can further pressure impulse buys.

This perceived scarcity makes buyers worry that they’ll miss out if they don’t act quickly, and it can encourage unnecessary spending. If you’re worried about missing out on what seems to be a good deal, you might not take the time to comparison shop to ensure that the deal is actually worth it.

Try to resist the urge to make purchase decisions quickly. Price-tracking tools like CamelCamelCamel can also help you determine whether a sale is really a good deal compared to the product’s recent price.

Apple chargers and accessories from unknown sellers

Because Amazon allows third-party sellers to list products on its marketplace, it's important to pay attention to both the item you're buying and the seller you're buying it from. Counterfeit products remain a concern, particularly for accessories such as Apple chargers and cables.

Before making a purchase, verify that the seller is an authorized retailer or buy directly from the brand's official storefront when possible. Counterfeit or low-quality chargers may not perform as expected and could pose safety risks.

While products from reputable sellers may cost a little more, the added reliability and peace of mind can be well worth the extra expense.

Birkenstock footwear

Birkenstock footwear is another product category where authenticity can be a concern on Amazon. The company stopped selling directly through Amazon years ago, but some third-party sellers continue to list Birkenstock products on the marketplace.

If you're considering a purchase, take the time to verify that the seller is reputable and that the product is authentic. When buying premium footwear, a lower price isn't always a bargain if there's a risk you're not getting the genuine product.

Food sold by third-party vendors

Food can be another risky purchase when it's sold by third-party vendors on Amazon. Because you don't know how products were stored, handled and shipped, there's a greater chance of receiving items that are nearing their expiration date or have been damaged during transit.

Before buying, review the seller's ratings and recent customer feedback for complaints about freshness, packaging or product quality. A few minutes of research can help you avoid an unpleasant surprise when your order arrives.

Beauty and skincare products from unknown sellers

Beauty and skincare products are another category where shoppers need to be cautious. Counterfeit cosmetics remain an industry concern, and products sold by unauthorized sellers may not always be authentic.

In some cases, items may also be expired or improperly stored, which can affect their safety, quality and effectiveness.

To reduce your risk, purchase beauty and skincare products directly from a brand's official storefront or an authorized retailer whenever possible.

Collectibles and luxury goods

Think twice before buying collectibles and luxury goods, like designer handbags, high-end watches, and trading cards from Amazon.

These items often command premium prices, making authenticity a critical concern.

Because verifying these products can be difficult, shoppers may be better off purchasing them from authorized dealers or reputable specialty retailers that offer authentication services and product guarantees. Paying a little more for added confidence can help you avoid an expensive mistake.

How to avoid common Prime Day shopping mistakes

While some Prime Day deals are worth considering, it's still important to shop strategically. Before the sale begins, make a list of the items you actually need and set a budget to help avoid impulse purchases.

Don't assume Amazon automatically has the lowest price, either. Many retailers run competing promotions during Prime Day, so taking a few minutes to comparison shop could help you find a better deal elsewhere.

Use the tool below, powered by Bankrate, to connect with a financial professional who can help you create a personalized plan for building wealth and reaching your financial goals.

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The 2026 U.S. Open is officially underway at historic Shinnecock Hills Golf Club, though players got a later-than-expected start after heavy fog delayed first-round tee times by about two hours Thursday morning.

The weather could remain a major storyline throughout the championship, with tournament officials monitoring the potential for storms and wind gusts of up to 40 mph. If conditions worsen, Shinnecock's fast greens, thick rough and exposed layout could make one of golf's toughest tests even more demanding.

Defending champion J. J. Spaun returns after capturing his first major title last year, while world No. 1 Scottie Scheffler arrives looking to complete the career Grand Slam. Other contenders include Rory McIlroy, Bryson DeChambeau, Jon Rahm and Xander Schauffele. If you're planning to tune in this weekend, here's everything you need to know about the TV schedule and streaming options.

2026 U.S. Open TV schedule

Golf fans can follow every round of the 2026 U.S. Open on NBC, USA Network, Golf Channel and Peacock, with coverage beginning each morning and continuing into the evening.

How to stream the 2026 U.S. Open without cable

If you don't have a traditional cable package, several live TV streaming services carry NBC and USA Network, while Peacock offers additional tournament coverage.

Here's how the major streaming options compare on price, channels and free trial availability.

How to watch the U.S. Open while traveling

If you'll be away from home during the tournament, you may find that some streaming services offer different content depending on your location. That can make it harder to access the channels or subscriptions you normally use.

One option for travelers is a virtual private network (VPN). A VPN creates a secure connection and can let you use the internet through a server in a different location, helping protect your privacy when using public Wi-Fi and potentially allowing access to services tied to your home account.

If you're considering a VPN, be sure to review the streaming service's terms of use. Most VPN providers make setup straightforward, typically requiring you to download an app, sign in and choose a server location before connecting.

New to VPNs? Getting started is relatively simple:

• Choose a VPN service, such as Nord VPN, and follow the setup instructions
• Select a server location that matches your home country
• Open your streaming app and log in as usual

Whether you're tuning in to watch Scheffler chase history, McIlroy pursue another major championship or see if Spaun can successfully defend his title, there will be plenty of drama at Shinnecock Hills.

With coverage spread across NBC, USA Network and Peacock, golf fans have multiple ways to follow every round of the 2026 U.S. Open.

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We test and review VPN services in the context of legal recreational uses. For example:1. Accessing a service from another country (subject to the terms and conditions of that service).2. Protecting your online security and strengthening your online privacy when abroad.We do not support or condone the illegal or malicious use of VPN services. Consuming pirated content that is paid-for is neither endorsed nor approved by Future Publishing.

If your weekend barbecue shopping trip feels more expensive this year, you’re not alone.

The biggest culprit? High beef prices, which are up about 14% year over year, according to the Bureau of Labor Statistics. This cost is sometimes referred to as the "burger tax."

This burger sticker shock comes as shoppers across the U.S. have been dealing with higher grocery bills for years, especially when buying staples like meat, eggs, and dairy products.

And if you live in a state that still taxes groceries, the number on your receipt is even higher. Here's more of what you need to know.

Why is the price of beef so high?

While overall grocery prices are up 3.1% over last year due to inflation, the long-term impact is significant. Food prices at home have jumped 27% over the last five years.

And…the United States Department of Agriculture (USDA) expects food-at-home prices to continue rising in 2026, with beef among the categories projected to see some of the strongest price growth.

As a result, feeding 10 guests at a backyard barbecue could now cost roughly $15 (or more) per person. Ground beef, up 70% since 2021 and now reportedly averaging about $6.90 a pound, is responsible for much of that increase.

Declining cattle numbers, high feed costs, drought, and consistent beef consumption in the U.S. all contribute to soaring prices.

Grocery tax by state

If rising food prices weren't enough, residents in 13 states face an additional expense because some states continue to tax groceries.

In some cases, that means full statewide tax; in others, reduced rates or hybrid systems that still add a charge at checkout.

For example, Mississippi, Idaho, South Dakota, and Hawaii apply full or near-full state tax rates to grocery purchases. But over the last few years, several states (Oklahoma and Kansas are just two) have eliminated their state-level grocery taxes (though local municipal taxes still apply at checkout in many areas).

Below is what that looks like in dollar terms for a typical cookout basket.

Note: Prior estimates from the Wells Fargo Agri-Food Institute put the cost of a typical 10-person backyard barbecue at about $130. With ground beef prices up roughly 14% over the past year, a comparable cookout basket today would likely be closer to $150, or more, depending on menu choices and substitutions.

States with Statewide Grocery Tax This Year (Assumes a $150 grocery basket for a 10-person cookout)

*Note: Additional city, county, or transit district taxes may apply on top of these base numbers.

** Hawaii imposes a general excise tax rather than a traditional sales tax.

Here's where things stand in the remaining states that still technically tax groceries but have eliminated or reduced state-level tax.

Oklahoma: The Sooner State repealed its 4.5% state grocery tax in 2024, though local sales taxes may still apply.

Kansas: Kansas fully phased out its state grocery tax last year after gradually reducing the rate over several years. Local taxes may still be charged on food purchases.

Virginia: Virginia taxes groceries at a reduced rate of 1%, split between state and local governments.

Illinois: Illinois ended its statewide 1% grocery tax as of 2026, but local governments can impose their own grocery taxes, meaning some shoppers still pay tax at checkout.

Arkansas: Arkansas eliminated its state grocery tax in 2025, although some cities and counties continue to levy local taxes on food purchases.

Bottom line: Why some states still tax groceries in 2026

Most states exempt groceries from sales taxes because food is considered a necessity. However, a handful continue to tax groceries at either the full state sales tax rate or a reduced rate.

• Supporters argue that grocery taxes provide a stable source of revenue that helps fund schools, roads and other public services. They also contend that broad-based sales taxes allow states to keep other taxes lower.
• Critics counter that grocery taxes disproportionately affect lower-income households because food purchases consume a larger share of their budgets.

The debate has intensified in recent years as inflation pushed food prices higher, and as a result, several states have reduced or eliminated grocery taxes.

In Alabama, lawmakers have temporarily suspended the 2% state sales tax on most groceries until June 30, to alleviate high food prices, though local sales taxes remain in place. Similarly, as Kiplinger has reported, Illinois and Arkansas have recently eliminated their state-level grocery taxes, while local taxes still apply in some areas.

Notably, some cities are exploring targeted approaches to making food more affordable and accessible. For example, San Francisco's “Affordable Groceries Act” has recently been proposed by District 5 supervisor Bilal Mahmood.

Modeled after Mayor Zohran Mamdani's city-owned grocery store initiative in New York City, the San Francisco bill is designed to support new grocery stores in underserved neighborhoods through an affordable grocery fund and a vacancy tax imposed on large chains that close stores in the city.

Read More

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Whether you spend your time in front of the TV watching sports, the news, the latest buzzy shows or reruns of your favorite sitcoms, you've probably noticed that you're shelling out more for your entertainment in recent years. Between March 2024 and March 2026, prices for subscription and rental of video and video games, which includes subscription streaming services, surged roughly 25%, according to data from the U.S. Bureau of Labor Statistics.

Costs are rising so much that the phenomenon even has a new nickname: “streamflation.” Netflix, the largest and most popular streaming service, hiked prices for all three of its subscription tiers in March for the second time in less than two years. In April, prices for Amazon Prime Video's ad-free tier increased by $2 per month. Many of the other major players, including Paramount+ and HBO Max, have also raised their prices within the past year.

A few more dollars here or there each month may not seem significant enough to take a large bite out of your budget, but it adds up. The average U.S. household spends $69 monthly on video-on-demand service subscriptions, according to data from Deloitte. That's $828 annually. Deloitte also found that almost three-fourths of consumers are frustrated that companies keep raising their prices.

Unfortunately for viewers, the costs are likely to keep climbing. “We'll continue to see pricing going up for all streaming services, live and on demand,” says Dan Rayburn, an analyst in the streaming video industry. “Some don't do it yearly, but most do it like clockwork.”

The reason, he says, is that the cost to produce and license content continues to rise every year. Deep-pocketed companies such as Amazon and Disney are competing to snag hit shows, and the cost of that competition is trickling down to customers. In particular, the cost of licensing sports programming — an offering streaming services are increasingly looking to add — is “astronomical,” Rayburn says.

Last year, L.E.K. Consulting, a global strategy consulting firm, found that streaming platforms were expected to spend roughly $33 billion on obtaining rights to show national sports. In March, for instance, CNBC reported that the National Football League was asking Paramount+'s parent company for 50% more than the $2.1 billion it was already paying to show games.

These companies also pay attention to what their competitors are doing with their prices. “One increases the price, and that opens the door for everyone to increase the price,” says Christopher Hamilton, industry insights manager at Parrot Analytics. “The whole industry is shifting up.”

Although prices keep going up, you can make moves to fine-tune the selection of services you use and offset the hit to your wallet.

1. Consider your preferences.

Determine what you actually want to watch and whether you're getting it. Think about whether you prefer to see your favorite content the moment it comes out, too. Some families want to see sporting events live, which means they may want to opt for a sports-oriented streamer such as Peacock or a live-TV service such as YouTube TV or Fubo.

Other households may prioritize brand-new shows, which could make services that focus on original content, such as Apple TV, a good fit. If you're looking for children's programming, Disney+ or Netflix may be the way to go.

There are also specialized streamers that home in on specific corners of the market. For example, Crunchyroll's collection is made up of anime, and Shudder is for horror fans. BritBox exclusively offers British content, and Curiosity Stream focuses on documentaries.

2. Assess your budget.

Next, take a look at your budget, and add up the cost of streaming services you're paying for now. The amount of money you should allocate to entertainment will depend on your personal goals and financial situation, including your income and whether you have any debt.

If you need help, consider a popular budgeting strategy such as the 50/30/20 rule, which entails allocating 50% of your income to needs, 30% to wants (including entertainment) and 20% to savings. If streaming makes up a disproportionate amount of your budget, you can use some of the strategies here to trim your spending.

3. See what's available at no extra cost.

Your paid memberships with other services may provide access to certain streamers. For example, if you're a Walmart+ member, which offers free shipping from Walmart and other perks, you get access to either Paramount+ Essential or Peacock Premium with ads. Amazon Prime includes a Prime Video membership, and you can get Apple TV free for three months when you buy a new Apple device.

Don't forget to check your credit card perks. Those who have the Chase Sapphire Reserve card ($795 annual fee) can get Apple TV for free through June 2027, and the American Express Platinum card ($895) offers a monthly credit of up to $25 that you can use on a slew of streaming services, including Disney+, ESPN, Hulu, Paramount+, Peacock and YouTube TV.

And some streamers won't cost you anything at all. Tubi, The Roku Channel and Pluto TV offer large collections of free TV shows and movies (though you'll have to contend with ads). Through your local library, you may be able to borrow TV shows and movies to stream to your devices for free via Hoopla.

4. Take advantage of free trials.

When you're starting a new service, see whether it offers a free trial. This can be especially beneficial if you want to watch a specific show, because you may be able to finish it before the trial is over. Though Netflix, Disney+ and HBO Max don't offer free trials, many of the other services do, including Discovery+ and Mubi, which deems itself a place to find “ambitious films and series by visionary filmmakers.”

You don't always have to be new to using a service to get a free trial. Hulu, for example, doles out free trials to members who haven't subscribed in a year.

5. Bundle.

You can often snag cheaper prices via bundles, which combine several services, such as internet, phone, cable and streaming. For instance, T-Mobile customers who use qualifying phone plans can get Netflix and Hulu's standard tiers with ads for free, as well as a $3-per-month discount on Apple TV. Verizon offers discounted prices on Netflix and HBO Max with ads alongside select mobile and home internet plans.

Spectrum TV's cable-TV service offers local networks and sports, depending on the plan, plus a wide range of streaming services, including HBO Max, Peacock, Hulu and ESPN. When you use certain plans from Xfinity, you'll also get Disney+ and Hulu. Plus, Peacock Premium is included for three years.

Some streaming services themselves also bundle. By getting Disney+ and Hulu with no ads together, for instance, you can save 47% compared with what you'd pay by purchasing the two services separately.

6. Pause services when you're not using them.

Your preferences may change from month to month. If everyone is talking about a new television show you want to watch, or your favorite reality series is airing just for a few months, you can temporarily sign up for the streamer that carries it. (Several years ago, Disney+ saw a surge in subscriptions when The Mandalorian aired, then those figures plateaued, Rayburn says.) If you're not getting exactly what you want, when you want it, cancel or pause your service.

“It's very easy to cancel these services,” Rayburn says, adding that it may take a little more effort to cancel live-TV services than on-demand ones. (You often need to talk to a representative on the phone to discontinue a live-TV plan rather than go online.) “We see this all the time where consumers sign up for it, they watch what they want to for a couple of months, and then they leave it.”

When you subscribe to a new service, set a calendar reminder for a date just before it automatically renews. (Double-check the terms of each service so you don't cancel too late. Amazon, for example, says that if you get Prime Video as an add-on subscription through Apple, you need to cancel 24 hours before your subscription renews to ensure you won't be charged.) Once that reminder goes off, cancel your service if you no longer plan to use it, or pause it if you may want to return to it within a few months.

Just remember that if you pause, you could be automatically charged once the break from service ends. The rules around pausing also vary. For example, Netflix lets you pause for one month at a time, for up to three months, as long as you're not on the basic plan, while Hulu lets you pause up to three months in one go. You can typically do this easily online from your account-management page.

7. Downgrade your services.

Most platforms have tiered offerings, so you may be paying more than you need to watch the shows and movies you love.

Take Netflix. The streamer's Premium tier costs $26.99, but you can save $7 monthly, or $84 annually, by downgrading to the Standard tier while still getting all the same content with no ads in exchange for slightly lower video quality (Rayburn says only “video-quality nerds” would notice the difference) and fewer downloads and supported devices; the number of extra members you can add to the account is also smaller. Jumping from the Premium tier to Standard With Ads will save you $18 each month, or $216 for the year.

Sometimes, you can also save by buying an annual membership instead of a monthly one. With HBO Max, for instance, doing so can save you 16% on all tiers. Note, however, that this strategy prevents you from using the cancel-or-pause method mentioned above.

8. Share memberships.

Streaming services have cracked down on sharing passwords with people outside your household, but you can often add extra members to your account at a discounted rate. This means you can split the bill with a family member or friend, even if they're across the country.

With the ad-supported version of Disney+, for example, you can add an extra member to your account for just $6.99 monthly, or $9.99 monthly if you subscribe to Disney+ Premium, with no ads. If you and the extra member sign up for your own accounts separately, you'd each pay $11.99 monthly for the tier with ads and $18.99 for the one with no ads. By adding an extra member to one account and splitting the cost, you could each pay just $9.49 or $14.49, respectively.

Should you switch back to cable?

As TV-streaming services gained popularity, many people dropped their cable subscription. Among U.S. adults, 83% say they use streaming services, while just 36% have cable or satellite TV, according to a report published last year by Pew Research Center. But as streamers steadily raise their prices, and as consumers subscribe to several separate platforms to get all the content they want, these services are becoming more akin to cable, with some of the same frustrations that customers were trying to avoid when they cut the cord in the first place.

“History repeats itself,” says Christopher Hamilton, industry insights manager at Parrot Analytics. “This accumulation of individual fees results in a total bill that is high, causing ‘subscription fatigue' and effectively re-creating a high monthly outlay similar to cable.”

But he wouldn't necessarily recommend that most viewers switch back to cable. Despite rising prices, most people can ultimately structure a better deal with live-TV streaming services, mainly because they have the flexibility to tailor plans to their specific needs.

“The massive advantage is the ability to easily drop and resubscribe for a period without penalty,” Hamilton says, adding that cable often has extra complications and costs — such as contracts, equipment rentals and cancellation fees — that make it difficult to stop and restart service to save money.

“With streaming, a customer can subscribe for a three-month sports season and then cancel immediately, which is a powerful cost-cutting tool.” Streaming services also often allow greater customization, providing smaller channel packages or add-ons, whereas cable often forces broad, predetermined tiers.

That said, cable still makes sense for some people. For instance, you may not be able to watch certain local sports on live-TV streaming platforms, depending on where you live. Juggling multiple streaming apps and interfaces, each with different navigation and billing, can also be complicated, especially compared with the simplicity of a single cable box and bill.

Compare your streaming options

Choosing which streaming services suit your needs at the best price requires a little homework. Here's a breakdown of some of the most popular choices.

Netflix

Price: $8.99 monthly for Standard With Ads; $19.99 monthly for Standard; $26.99 monthly for Premium Netflix is considered the king of streaming thanks to its large video library, including original hits such as Stranger Things and Squid Game, and even some live programming, such as certain Major League Baseball games. Hamilton, of Parrot Analytics, assesses streamers' content offerings and customer demand to understand which services offer the best deals, and he says Netflix is one of the greatest values on the market, just behind the Disney+/Hulu bundle.

HBO Max

Price: $10.99 monthly for Basic With Ads; $18.49 monthly for Standard; $22.99 monthly for Premium HBO Max has all of HBO's content, plus DC Universe films, Warner Bros. films and a slew of prestige original content. It's also home to old favorites, recently including Friends.

Hulu

Price: $11.99 monthly for Hulu (with ads); $18.99 monthly for Hulu Premium Hulu's on-demand subscription service has popular original content, including The Handmaid's Tale, but you can also catch various shows from major networks such as ABC, Fox and FX just after they air.

Disney+

Price: $11.99 monthly for Disney+ (with ads); $18.99 monthly for Disney+ Premium Are you a fan of the Star Wars franchise or Marvel, Disney and Pixar movies? Then Disney+ is the service for you. If you're going to go with this family-friendly streaming option, consider its bundle with Hulu.

Prime Video

Price: Included in an Amazon Prime membership, which is $14.99 monthly or $139 yearly; additional $4.99 monthly with no ads Amazon's streaming service has a large catalog of TV shows and movies, as well as original shows. Plus, during the NFL season, it airs Thursday night football games.

Apple TV

Price: $12.99 monthly with no ads Apple TV is all about exclusive content, including hits such as Severance and Ted Lasso. But it also streams live Major League Baseball games on Friday nights, and you can catch Major League Soccer matches and Formula 1 racing live, too. It's one of the few streamers that doesn't have a lower-cost tier with ads, though you can bundle it with Peacock for just $2 extra.

Paramount+

Price: $8.99 monthly for Paramount+ Essential (with ads); $13.99 monthly for Paramount+ Premium Paramount+ is home to more than 40,000 TV episodes and movies from CBS, Comedy Central, Nickelodeon and more. It also hosts all of Showtime's movies and series, and you can catch live NFL games and UFC (Ultimate Fighting Championship) fights, too.

Peacock

Price: $7.99 monthly for Select (with ads); $10.99 monthly for Premium (with ads and more content than Select); $16.99 monthly for Premium Plus Peacock is NBCUniversal's streaming service, with hits from NBC and Bravo, such as The Real Housewives franchise, as well as original content. With the Premium and Premium Plus tiers, you can also see live sports.

Live TV

DirecTV

Price: Genre packs start at $19.99 monthly; streaming packages start at $89.99 monthly DirecTV still offers satellite TV, with packages ranging from $77.99 to $169.99 per month. But separately, it also offers live-TV streaming and five “genre packs”: kids' television, sports, Spanish channels, news and entertainment. The streaming packages offer a broad mix of channels, including local stations, depending on which one you choose.

Hulu + Live TV

Price: $89.99 monthly for live TV, Hulu's on-demand content, Disney+ and ESPN Select with ads; $99.99 monthly with no ads Hulu's live-TV service offers more than 95 channels, from news to sports to comedy to local networks. And you get access to a host of on-demand content, too.

Sling

Price: $19.99 monthly to $60.99 monthly, depending on the package With Sling, you get live TV and sports in addition to movies on-demand. The Sling Select package includes about 10 channels, including NFL Network, National Geographic and FS1. Other packages include more channels at higher monthly prices.

YouTube TV

Price: $82.99 monthly for YouTube TV; $64.99 monthly for Sports Plan YouTube TV calls itself “cable reimagined,” and it offers access to more than 100 live and on-demand channels, including ABC, CBS and FX. You can also get add-ons such as MGM+, Shudder and HBO Max. The Sports Plan offers viewers access to a more limited selection of major broadcast networks, such as Fox and NBC, as well as sports-focused channels, including ESPN and FS1.

Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here.

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We test and review VPN services in the context of legal recreational uses. For example:1. Accessing a service from another country (subject to the terms and conditions of that service).2. Protecting your online security and strengthening your online privacy when abroad.We do not support or condone the illegal or malicious use of VPN services. Consuming pirated content that is paid-for is neither endorsed nor approved by Future Publishing.

With Amazon's Prime Day event set for June 23 to 26 and retailers rolling out competing summer sales, shoppers are seeing no shortage of opportunities to save. But while many stores are relying on limited-time promotions to drive purchases, Costco is taking a different approach by quietly lowering prices on some of its Kirkland Signature products.

The warehouse club recently confirmed price reductions on several popular items across food, household goods and sporting equipment categories. Unlike temporary sale events that last just a few days, these lower prices are part of Costco's ongoing effort to deliver value to members while maintaining its reputation as one of the most affordable places to shop for everyday essentials.

Even better for shoppers, company executives say additional price reductions could be possible if costs continue to improve.

Costco is lowering prices on popular Kirkland products

During Costco's third-quarter earnings call, executives highlighted several Kirkland Signature items that recently received price cuts. Company leaders said the reductions reflect Costco's commitment to passing savings along to members whenever possible.

Kirkland Signature plays a major role in Costco's value proposition. The private-label brand spans everything from groceries and household supplies to clothing and sporting goods, often offering prices below comparable national brands.

Costco CEO Ron Vachris said the company's goal is to be "the first to lower prices and last to raise them" when market conditions allow.

These Kirkland products recently got cheaper

The following Kirkland Signature products were specifically mentioned by Costco executives as receiving price reductions.

While these reductions may not seem dramatic on their own, they can add up for members who purchase these products regularly throughout the year.

Why Costco is cutting prices now

Several factors appear to be working in Costco's favor.

Commodity costs have fluctuated in some categories compared to the peak inflation years, and supply chains have generally become more stable. Costco executives also noted that the company actively looks for opportunities to lower prices when costs allow.

The strategy isn't new. Costco has a history of lowering prices on select products when market conditions improve. In previous years, the retailer reduced prices on items including macadamia nuts, olive oil, laundry packs and bakery products.

Unlike some retailers that rely heavily on promotional sales, Costco often focuses on everyday value. That approach helps reinforce the value of a membership while encouraging customer loyalty.

How much could shoppers actually save?

A few dollars here and there may not sound significant, but frequent Costco shoppers know small savings can compound over time.

For example, a household that purchases Kirkland snack foods, household products and seasonal items throughout the year could easily make dozens of Kirkland purchases annually. Saving just $1 to $3 per item across multiple shopping trips could add up to $50 or more in annual savings.

Those savings become even more meaningful when combined with Costco's lower gas prices, bulk purchasing discounts and member-only promotions. The key is making sure bulk purchases actually fit your household's needs. A lower unit price doesn't help if products expire before they're used.

How Kirkland products compare with national brands

Kirkland Signature has evolved far beyond a generic store brand.

Many Kirkland products compete directly with well-known national brands, often at a lower price point. For example, Kirkland Signature golf balls have developed a loyal following among golfers who compare them to premium balls from brands like Titleist, particularly the Pro V1 line. While serious golfers may still prefer Titleist's top-tier performance, Kirkland golf balls often cost significantly less per dozen.

Kirkland Signature batteries compete directly with Duracell. In fact, Duracell has manufactured certain Kirkland battery products for Costco in the past, helping fuel comparisons between the two brands.

Kirkland coffee products are another example. Costco sells Kirkland Signature coffees that compete with premium offerings from Starbucks and other national coffee brands. Some Kirkland coffee varieties have even been roasted by Starbucks under a longstanding partnership.

Household staples also play a major role in Kirkland's success. Products such as paper towels, toilet paper and laundry detergent compete against brands like Bounty, Charmin and Tide, often at a lower cost per unit.

This ability to offer comparable quality at a lower price point is one reason Kirkland Signature has become one of the largest private-label brands in the world. Industry analysts estimate that Kirkland generates more than $90 billion in annual sales, making it larger than many standalone consumer brands.

For shoppers, the appeal is straightforward: finding products that perform similarly to national brands while keeping more money in their wallets.

Could more Costco price cuts be coming?

Costco hasn't announced specific future reductions, but company leadership has suggested that additional price cuts remain possible.

Executives reiterated that they actively monitor costs and look for opportunities to lower prices when market conditions permit. The company has followed a similar strategy in the past, reducing prices on select products as commodity and supply-chain costs improved.

If additional reductions occur, grocery items, household essentials and other high-volume Kirkland products could be among the most likely candidates.

Of course, pricing can vary by warehouse location, regional costs and changing market conditions.

A small win for Costco members

Costco's latest Kirkland price cuts are welcome news for shoppers looking to stretch their budgets a little further. While savings of $1 to $10 per item won't transform a household budget overnight, they reinforce the retailer's reputation for delivering value when consumers need it most.

Still, even at Costco, the smartest savings strategy is buying intentionally. Bulk purchases only save money when you'll actually use what you buy. Focusing on products your household regularly consumes remains one of the best ways to maximize the value of your Costco membership.

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Straight Talk may not offer specific senior phone plans, but the prepaid mobile service provider may be an appealing option for seniors.

When you sign up for Straight Talk, you pay for a 30-day phone plan. There are no long-term contracts, and the plans are simple and straightforward. Straight Talk is owned by Verizon, so the plans operate on Verizon’s networks. The mobile provider offers everything from basic, affordable single-line plans to plans that include perks like high-speed and hotspot data.

Let’s take a look at how Straight Talk’s plans stack up against senior phone plans from other providers.

How Straight Talk compares with senior plans from T-Mobile, Verizon and AT&T

Straight Talk’s Silver Unlimited plan is $45 per month for one line, and it’s been the same price since 2009.

It includes unlimited data, talk and text, as well as other perks like international calling and texting to Canada and Mexico, as well as 10 GB of hotspot data. Available at Walmart, this unlimited plan is a solid option for moderate to heavy phone users, but it’s also affordable enough to be a practical choice for seniors who want a simple plan without the obligation of a contract.

AT&T and T-Mobile offer senior phone plans that are comparatively priced, but these plans are limited to customers who are age 55 or older, and taxes and fees are extra. Those plans also require contracts, making signing up a bit more complex, since a credit check may be necessary.

Contract plans may also have early termination fees, activation or upgrade fees, penalty charges for late payments and other fees, so it’s important to carefully read the contract before signing up for a plan.

From flip phones to smartphones: Which phones work with Straight Talk?

Phone choice is often as important as the plan, since you need to be comfortable using your phone. Straight Talk offers a choice of many different types of phones, including smartphones and flip phones, so think carefully about how you’re likely to use your phone most often and what types of features are most important to you in a phone.

Unlike phone contracts, which often include a free phone, Straight Talk’s phones are prepaid. You’ll want to consider your budget as you shop these different phone options:

• Basic flip phones: Basic flip phones may be all you need for calling and limited texting. For those who prefer a traditional flip phone, the TCL Flip 3 is available from Straight Talk for $29.99 at the time of writing.
• Larger-screen smartphone: A larger-screen smartphone may be easier to read and use, but it’s also likely to be more expensive than a flip phone. A smartphone may be ideal if you’ll be frequently texting or want to be able to easily take and share photos. Shoppers looking for a larger display may want to consider the Moto G Power (2026), which features a 6.8-inch screen and is currently available through Straight Talk for $149.99.
• Motorola Moto G series phones: The Motorola G series includes budget and mid-range cell phones that often include desirable features like extended battery life, powerful cameras and fast charging capabilities. For budget-conscious shoppers, the Moto G (2026) is available from Straight Talk for $79.99 at the time of writing.
• Samsung Galaxy A series: The Samsung Galaxy A series smartphones tend to deliver an excellent value. They include entry-level and mid-range phones with features like extended battery life, multi-lens cameras and 5G connectivity. Straight Talk currently offers the Samsung Galaxy A17 5G for $99.99, with qualifying customers able to get the phone free when activating a new line on a Silver Unlimited plan or higher.
• Apple iPhones: A premium option, Apple iPhones are known for their sleek design, advanced features and strong performance. Straight Talk is currently offering discounts on the iPhone 16e (128GB), with prices starting at $199 for customers who activate a qualifying Silver Unlimited plan.
• Bring your own phone: You may be able to bring your own phone to Straight Talk. Compatible phones include most unlocked devices or phones from AT&T or T-Mobile. You can use the compatibility checker to make sure your phone is eligible.

Is Straight Talk worth it for older adults?

With its straightforward, competitive pricing, Straight Talk may be a good fit for budget-conscious retirees and individuals who want to avoid contracts. Occasional smartphone users may find Straight Talk to be a good choice, especially if they’re looking to save money and don’t want or need all of the extras that come with contract unlimited cell phone plans, like streaming services and international data.

While there are many advantages to Straight Talk, the mobile provider has its drawbacks. There is no dedicated senior support program, so consider whether you’re comfortable getting support online or by phone. You may be able to get help with activating your phone or basic troubleshooting at your local Walmart.

Additionally, Straight Talk doesn’t offer any age-based discounts, so it’s still important to shop around and compare plans to make sure you’re getting the best deal for the service you need and want.

Should seniors consider Straight Talk?

Straight Talk doesn’t offer any dedicated senior phone plans, but the low-cost pricing, no-contract service and broad phone selection may appeal to older adults who want to save on their wireless phone bill. The mobile provider offers several appealing perks, though it’s important to weigh downsides, like the lack of in-person support.

The best phone plan isn’t always a senior plan. For many retirees, the right choice comes down to finding a plan and a phone that fit their needs and budget.

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At a time when it feels like every news story is about how your costs are getting higher, USAA is bringing a little bit of financial relief to some of its car insurance customers in Florida. This week, the company announced a combination of rate cuts and direct dividend payments to eligible members that would total nearly $1 billion in savings.

The news comes just months after State Farm announced a similar dividend payout for its customers. So some drivers have been seeing at least a little relief even as soaring gas prices strain their wallets.

But which drivers are going to see discounts? Which ones will get a check in the mail? And how much savings can each person expect? Here's what we know so far.

Why is USAA giving out refund checks and rate cuts?

With this week's news, consumers see yet another example of why USAA is consistently named the favorite car insurance company in Kiplinger's annual Readers' Choice Awards. The popular car insurance provider that caters exclusively to military members and their families noted that recent policy reforms in Florida surrounding personal injury lawsuits have led to significant savings for the company.

In turn, USAA is passing some of those savings on to its members in Florida.

"Florida's civil litigation and tort reforms have curbed legal system abuse, helping reduce the legal costs that were a significant driver of premium increases, enabling USAA to pass meaningful savings directly to members," the company said in a press release.

The company noted that other states, including Georgia, Louisiana and New York, are also looking at reforming their legal systems. As more states crack down on legal system abuse, USAA might enjoy additional cost reductions in other states. Whether or not they'll pass some of those savings onto drivers in those states remains to be seen.

How much will Florida drivers get from USAA?

The exact amount of your dividend check will depend on various factors not yet disclosed by USAA. But the insurer did say in its press release that the average payment will be about $760 per USAA member, with as much as 25% of those eligible for a dividend payment getting over $1,000.

That's significantly higher than the State Farm refund checks that were announced in March. But since this payout is limited to USAA members in Florida, fewer members overall are going to see a check.

Those dividend payments are in addition to discounts that USAA says about half of Florida auto policyholders will get. The company has dropped rates in the state by about 14% on average over the last six months.

While USAA already tends to be favored for its competitive rates, it's always worth shopping for car insurance ahead of every renewal. Getting additional quotes ensures you're always getting the best possible rate for the coverage you need. So, if your policy is about to renew, use this car insurance tool, powered by Bankrate, to find your best rates today:

When will USAA refund checks go out?

According to the press release, USAA dividend checks will begin going out to customers on June 15. It's not clear how long it will take for every eligible member to receive their check. But, if you're curious to find out whether you're getting a check and when you can expect it, reach out to USAA directly to find out.

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Some people may not agree on where to shop, but they seem to agree that value matters more than ever.

Costco and Dollar General are two stores that may seem like complete opposites, but they're both attracting shoppers who are trying to make their money go further. Dollar General recently reported stronger-than-expected sales growth as more shoppers looked for low-cost essentials and convenient locations. Meanwhile, warehouse clubs like Costco and Sam's Club continue to attract members willing to pay annual fees in exchange for lower prices on groceries, household supplies and gas.

Both retailers are helping shoppers solve the same problem: how to get the most value from every dollar they spend.

Consumers are paying closer attention to household budgets

Even after several years of rising prices, many household expenses continue to climb, stretching budgets and changing shopping habits.

Groceries, insurance, housing costs and everyday essentials continue to take a bigger bite out of many budgets. As a result, shoppers are becoming more intentional about where they spend their money.

And it's not just lower-income households looking for deals. Retailers across the board have reported that shoppers with higher incomes are also becoming more price-conscious and looking for ways to cut costs on everyday purchases.

Many of the shopping habits people developed over the past few years, like comparing prices, shopping sales and looking for value, appear to be sticking around.

The difference between saving money and managing cash flow

One reason warehouse clubs and dollar stores can both be successful at the same time is because they're helping shoppers in different ways. Saving money and managing cash flow aren't always the same thing.

Saving money is about getting the lowest cost per item. That's where Costco and Sam's Club often shine. Buying a giant pack of paper towels may cost more upfront, but each roll usually ends up costing less.

Cash flow, on the other hand, is about what you can comfortably afford right now. If you're trying to make your grocery budget last until payday, spending $6 on a smaller package may be easier than spending $25 or $30 on the bulk version, even if the bulk package is technically the better deal.

Both approaches can make sense depending on your situation.

Why warehouse clubs continue to attract shoppers

Warehouse clubs have built their entire business model around one simple idea: buy more and save more.

For families that regularly use household essentials, the savings can add up quickly. Many shoppers find that the membership fee (often ranging from $50 to $65 per year for a basic membership) pays for itself through lower prices on groceries, gas and everyday necessities.

Even if you shop at Sam’s Club once each month and pay a $50 annual membership fee, that adds up to only $4.16 per store visit to gain access to certain bulk items that offer a better deal.

Warehouse clubs tend to work especially well for:

• Larger families
• Households with pets
• People who have storage space
• Shoppers who like stocking up on essentials

Some of the most popular bulk purchases include paper products, cleaning supplies, pantry staples, pet food and personal care items.

There's also a convenience factor. Buying a month's worth of household supplies in one trip can mean fewer errands and fewer opportunities for impulse purchases throughout the month.

Why dollar stores remain popular

Dollar stores offer a different kind of value.

Instead of focusing on the lowest cost per unit, they focus on keeping the total amount spent today as low as possible. That's especially helpful for shoppers who only need a few items or are working with a tight budget.

Dollar General locations are also incredibly convenient. Many stores are located in smaller towns and neighborhoods where shoppers may not have easy access to a large grocery store or warehouse club.

Dollar stores can be useful for:

• Buying only what you need right now
• Filling gaps between grocery trips
• Managing tight budgets
• Reducing transportation costs

For some households, the ability to spend $10 today instead of $50 matters more than achieving the lowest possible unit price.

For some shoppers, buying smaller quantities can help reduce waste by limiting purchases of items that may not get used.

Which products make sense to buy in bulk?

Warehouse clubs often provide the best value on products that are used consistently and have long shelf lives.

Some of the strongest bulk-buy candidates include:

• Paper products
• Cleaning supplies
• Laundry detergent
• Pet food and litter
• Shelf-stable pantry items
• Personal care products

However, bulk buying isn't automatically a bargain. Products that may not make sense to buy in large quantities include:

• Fresh produce
• Perishable foods
• Specialty snacks
• Seasonal items
• Products you're trying for the first time

If items expire or go unused, any savings quickly disappear.

When a dollar store may actually be the better choice

Sometimes spending less today is the smartest move.

Dollar stores can make more sense for:

• Single-person households
• Renters with limited storage space
• People trying to reduce food waste
• Shoppers on a tighter cash-flow budget

It's also worth remembering that warehouse club shopping can lead to bigger spending trips overall. It's easy to walk in for paper towels and leave with a cart full of items you didn't plan to buy. Buying less can sometimes help you spend less overall.

How Costco, Sam's Club, Walmart, Aldi and Dollar General compare

Every retailer has its strengths, and the "best" place to shop often depends on your budget, household size and shopping habits. Warehouse clubs can offer some of the lowest unit prices, while stores like Aldi and Dollar General may make it easier to keep spending under control on a week-to-week basis.

Walmart falls somewhere in the middle, offering convenience and competitive pricing without a membership fee requirement. Here's a look at how these popular retailers compare across a few key categories.

Value looks different for every household

There probably isn't one perfect store for every household. In fact, many of the most budget-conscious shoppers use a combination of retailers depending on what they need.

Maybe you buy paper towels, pet food and cleaning supplies at Costco. Then you stop by Dollar General during the week to grab a few items without making a big shopping trip.

That's becoming a common strategy.

The real lesson from the success of both Costco and Dollar General is that value looks different for different households. The smartest strategy may be using both approaches, depending on what you're buying and where your budget stands that week.

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You've probably heard the saying, "What you post online is forever." But that is becoming less true as privacy laws give consumers more control over their personal information.

Earlier this year, California launched its Delete Request and Opt-out Platform (DROP), a first-of-its-kind tool that allows residents to submit a single request to have their personal information removed from hundreds of registered data brokers. The platform is the latest step in the state's broader effort to give consumers more control over how their data is collected, sold and shared online.

The shift comes at a time when concerns about online privacy are growing. From people-search websites to AI-powered data collection, personal information is easier to find than ever — and scammers are finding new ways to use that data against consumers.

Your personal information is likely already online

While California's DELETE Act and DROP platform apply only to California residents, privacy advocates see them as part of a broader national trend toward stronger consumer privacy protections and greater transparency around personal data collection. California has often led the way on privacy regulations, and similar laws have been proposed or enacted in other states.

Connecticut recently expanded its own privacy protections, with Gov. Ned Lamont signing legislation that strengthens the state's consumer data privacy law. The measure gives residents additional rights over their personal information and places new restrictions on how companies collect, use and share data.

While it does not create a centralized deletion system like California's DROP platform, the law reflects a growing trend among states to give consumers more control over their digital footprint and hold companies more accountable for data practices.

The law also highlights a larger reality: personal information is collected, stored and shared on a massive scale. Even if you've never posted your address, phone number or other details online yourself, that information may already exist in databases maintained by data brokers, marketing firms and people-search websites.

Your personal information may already be online, thanks to technology and services that actively gather, store and share data, including:

• People-search sites: People-search sites, like Whitepages, pull data from public records, including voter registration and social media profiles. The sites store that information, so with a simple search, individuals may be able to access your mailing address, phone number, email address and more.
• Marketing databases: Marketing databases purchase information gathered from your app usage and online shopping activities. Then, these databases sell the information to brokers looking to target their advertising to consumers.
• Public records: Thanks to the internet, searching public records is easy. Individuals can look up personal information like your mortgage and deed documents, divorce proceedings, court cases and more.
• AI scraping: AI scraping, or using bots to extract data from websites, has made it even easier for sites to collect your digital data.

Why data privacy suddenly feels more urgent

Data privacy and being able to delete personal information feels more urgent today than ever before, and with good reason – cyberthreats use this information to target individuals with increasingly believable and deceptive scams.

AI scams use technology like deepfakes and voice cloning to create personalized and seemingly urgent situations to trick victims. For example, you might receive a call that seems to come from your daughter begging for financial help because she’s stranded while traveling or needs bail to get out of jail.

Scammers are also using AI to create targeted phishing and fraud attempts. The technology can create highly polished emails that are believable, since they incorporate personal information pulled from your social media or a data breach. These emails trick you into clicking a link that might trick you into sending money or infect your device with malware.

Phishing can also help scammers gather important personal information about you, and they may be able to use that information to trick your mobile carrier into transferring your phone number to a new SIM card that they own. The scammer can then access your calls and texts. Even more damaging, a scammer may be able to access accounts using your SMS multi-factor authentication, locking you out of those accounts and potentially stealing money and more information.

Your online personal information can do more damage than you might think, and criminals are finding new ways to use the information for theft.

How states are expanding consumer privacy rights

The United States does not have a single comprehensive federal privacy law. Instead, privacy protections are governed by a patchwork of federal, state and industry-specific regulations.

While federal laws cover certain types of data and organizations, such as healthcare providers and credit reporting agencies, states have increasingly taken the lead in expanding consumer privacy rights. California remains one of the most aggressive states in this area, but it is not alone. States including Colorado, Connecticut, Virginia, Texas and Oregon have enacted comprehensive privacy laws that give consumers greater control over how companies collect, use and share personal information.

California has gone a step further with laws such as the California Consumer Privacy Act, the California Privacy Rights Act and the DELETE Act, which are designed to give consumers more visibility into and control over their personal data.

While privacy rights vary significantly by state, the overall trend is toward stronger consumer protections and greater accountability for companies that collect and sell personal information.

How to start removing your data from the internet

Even if your state lacks protections like the DELETE Act, there are still several steps that you can take to remove your data from the internet:

• Google yourself: Start with a Google search and see what information you find when you Google your name. Make a list of sites or information that you want to remove and consider contacting those sites individually to request to have your information removed.
• Opt out of people-search sites: If your Google search reveals listings on people-search sites, you can request to have your information removed from those sites. You’ll need to go to each site and find the opt-out request option, which is usually in the site’s footer. Submit that request and your information should be removed, though the amount of time before the information is deleted may vary.
• Remove unused accounts: Take the time to delete any unused accounts, like old email addresses, accounts with financial institutions you no longer use and old social media accounts. Deleting the accounts can help prevent hackers from being able to access your information.
• Turn on multifactor authentication: Make sure to turn on multifactor authentication for all of your accounts when it’s available. This is particularly true for financial accounts, email addresses, shopping accounts and any other accounts a hacker could use to access sensitive information. Multi-factor authentication is a simple and user-friendly way to significantly boost your security and keep your account safe.
• Freeze your credit: If you haven’t done so already, freeze your credit with all three credit bureaus – Equifax, Experian and TransUnion. You’ll need to freeze your credit with each bureau individually, and you can temporarily unfreeze your credit whenever you need to apply for a mortgage, loan, new credit card or other form of credit. Scammers won’t be able to open a new credit line while the freeze is active.  
• Review privacy settings: Review the privacy settings on your accounts. Privacy settings on apps may allow your device to track your behavior while using your phone, while privacy settings in social media may expose more information than you want the public to be able to access. Take the time to review your settings and make sure you’re limiting tracking and restricting information that’s shared publicly.

Should you pay for a data removal service?

Services like DeleteMe and Incogni scan the internet for your information and then file removal requests on your behalf. They may save you time compared to the process of manually opting out of search sites, but their results may also be limited.

According to CNET, since data brokers share and sell data, it’s possible that your information will keep being shared. Plus, data removal services can’t legally delete public records and they can’t remove information that you’ve posted on social media, so data brokers may continue to scrape and share your data.

Paying for a data removal service may help save time by automating the process of finding and submitting opt-out requests to data brokers and people-search sites. While no service can completely erase your online footprint, ongoing monitoring can help keep personal information from reappearing as data is resold and shared among brokers.

If protecting your privacy is a priority, the recurring cost may be worth the added convenience and peace of mind. Before subscribing, consider the service's cost, the types of information it can remove and whether the benefits align with your privacy goals.

Can you really erase your information from the internet?

Protecting your privacy online is no longer just about limiting what you share on social media. Personal information is collected, stored and sold through a complex network of data brokers, websites and online services, often without your knowledge.

Whether you choose to submit removal requests yourself, use a data removal service or simply tighten your privacy settings, taking steps to reduce your digital footprint can help limit your exposure to scams, identity theft and unwanted tracking.

The internet may never completely forget, but you now have more tools to decide what information about you remains online.

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The 2026 FIFA World Cup is underway, with 104 matches taking place across the United States, Canada and Mexico in the tournament's largest format ever.

The competition runs through July 19, with English-language coverage airing on FOX, FS1 and FOX One, while Spanish-language broadcasts are available on Telemundo, Universo and Peacock.

Whether you're following Team USA's path through the group stage, defending champions Argentina or tournament favorites such as Brazil and Spain, there are several ways to watch every match live. Here's what you need to know.

Where to watch the 2026 FIFA World Cup

In the United States, English-language broadcasts are available on FOX, FS1 and the new FOX One streaming service.

Spanish-language coverage is available on Telemundo, Universo and Peacock.

The prices listed above reflect each service's standard monthly rate. Depending on when you subscribe, you may qualify for a free trial, introductory pricing or a limited-time promotion, so it's worth checking current offers before signing up.

For viewers looking to watch every World Cup match in English without paying for a full live-TV bundle, FOX One may be one of the most affordable options. The service carries matches airing on FOX and FS1 and costs $19.99 per month, making it possible to follow the entire tournament for little more than a single month's subscription.

Another low-cost option is a digital over-the-air antenna. Many marquee World Cup matches, including games airing on your local FOX station, can be watched for free after a one-time equipment purchase. However, reception varies based on factors such as your location, terrain and distance from broadcast towers, so access isn't guaranteed in every area.

You'll also need a cable, satellite or streaming subscription to watch matches that air exclusively on FS1.

How to watch the World Cup while traveling

Planning to watch the World Cup while traveling? Some platforms limit content based on your location, which could affect how you watch matches away from home.

To maintain access to eligible streaming subscriptions, some travelers use a virtual private network (VPN). A VPN encrypts your internet connection and routes it through a server in another location, providing an added layer of privacy and potentially helping you access services associated with your account while traveling.

New to VPNs? Getting started is relatively simple:

• Choose a VPN service, such as Norton VPN, and follow the setup instructions
• Select a server location that matches your home country
• Open your streaming app and log in as usual

Team USA schedule

As a host nation, the United States automatically qualified for the 2026 FIFA World Cup and opens group play against Paraguay before facing Australia and Türkiye in Group D. The top teams from each group advance to the knockout stage, where the tournament shifts to single-elimination play.

All times and channels are subject to change.

2026 FIFA World Cup schedule

The 2026 FIFA World Cup runs from through July 19 and features 104 matches across the United States, Canada and Mexico.

Listing every match would be overwhelming; the schedule below highlights the key dates for each stage of the tournament, from the group stage through the World Cup Final.

Catch every moment of the 2026 FIFA World Cup

The 2026 FIFA World Cup offers more matches than ever before, but watching doesn't have to mean paying for an expensive cable package.

Whether you choose FOX One, a live TV streaming service or a combination of an antenna and streaming subscription, there are several ways to follow the tournament while keeping costs in check. Compare your options before kickoff to find the best fit for your budget and viewing habits.

Related content

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• Buying World Cup Tickets? Beware of These Scams
• Where to Stay Comfortably for the World Cup in New Jersey

We test and review VPN services in the context of legal recreational uses. For example:1. Accessing a service from another country (subject to the terms and conditions of that service).2. Protecting your online security and strengthening your online privacy when abroad.We do not support or condone the illegal or malicious use of VPN services. Consuming pirated content that is paid-for is neither endorsed nor approved by Future Publishing.

We may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. We might not cover every available offer. Our relationship with advertisers might impact how an offer is presented on our site but our editorial selection of products is made independently.Terms apply to American Express benefits and offers. Enrollment might be required for select American Express benefits and offers. Visit americanexpress.com to learn more. We calculate a typical annual reward for each card, assuming $36,000 spent annually and less any annual fee. Interest rates, fees, rewards and other terms listed in this article are subject to change. Before you apply for a credit card, check its current terms and conditions with the issuer.

With gas station prices nearing historic highs and supermarket prices racing to do the same, the inflation we're dealing with today can make sticking to a budget difficult.

The best thing you can do as a consumer is get creative about how you spend, whether that's being more intentional about the frugal habits you choose to use or making sure you're getting the most value out of each purchase you make.

One of my favorite tricks for combatting rising prices is leveraging cash back credit cards. While I use travel rewards cards for all my travel spending, I've found that simple cash back is the easiest way to keep rising everyday prices at bay.

It took some time at the outset to research my different options and decide which credit card mix made the most sense for my spending. But now, all I have to do is make sure I'm swiping the right card at checkout to pocket an extra $315 per year on average.

The gas station and supermarket credit cards I use

As a personal finance writer, I'm all about maximizing rewards. I've got a credit card for just about every spending category, and a catch-all card that earns 2% across the board for any purchases that don't earn better rewards on any other card.

For gas stations and U.S. supermarkets, I use the American Express Blue Cash Preferred and the Costco Anywhere Visa Card. The Amex earns 6% at U.S. supermarkets and 3% at gas stations. It also comes with up to $120 per year in streaming statement credits (distributed as up to $10 monthly credits) that I use to get a Hulu and Disney+ streaming bundle almost for free after the credit. My Costco card earns 5% at gas stations and 2% on anything else I buy from the warehouse club.

Both cards come with more perks and rewards, but those are the primary ones I use.

The Amex also comes with a $95 annual fee(see rates and fees). The Costco card has no fee, but you do need to have an active Costco membership, which costs $65 per year (or more if you spring for the executive membership).

Still, with how much I earn in cash-back every year and the other savings I enjoy as a Costco member, I more than make up for those fees. It's important, however, to review your credit card mix regularly and make sure you're still getting enough value out of any card that carries an annual fee.

How I earn $315 per year with these credit cards

Like many households with a Costco membership, the warehouse club is where I get the bulk of my staples such as flour, meat, frozen veggies and household supplies such as toilet paper and laundry detergent.

It's also the only place I buy fuel because I live a few minutes away from a Costco Business Center, where gas prices are consistently 10 to 20 cents cheaper than neighboring stations.

Whenever I'm shopping at Costco, I swipe my Costco card to get the 5% back on gas or 2% on everything I buy in store. For all my other staples — such as fresh produce, spices and anything else that's not available at Costco or not available in a quantity I can reasonably use quickly enough — I swipe my Amex card.

It's as simple as that. Just by being a little more intentional about which credit card I pull out at the cash register, I earned $315 last year. It was an almost even split of a little more than $150 in cash back from each card. That doesn't include the additional up to $120 in streaming credits I get on the Amex card.

Credit cards can also help with organizing your finances

An unintended benefit of having multiple credit cards for everyday spending is that it makes it easy to see at a glance how much I've spent on different categories of my budget. I only use my Amex and Costco credit cards for fuel and supermarkets. I know whatever the combined balance of those two cards is reflects the total amount I've spent so far on those two things.

For my two-person household, I typically try to keep our gas station and supermarket budget under $800 per month. That's roughly $200 per week.

Each week, I can just glance at the current balance on my Amex and Costco cards and see if I'm on track. If our expenses went above $200 last week, I know this week I'll be looking through the pantry to plan a menu that requires as few new ingredients as possible.

The key to any credit card strategy is avoiding interest

While credit cards can be powerful financial tools, they also carry some of the highest interest rates of any debt instrument you can get. For any of these cash back perks to matter, it's extremely important that you avoid spending more than you can afford to pay off in full at the end of the month.

That's why I have that $800 limit in place and why I check the balance weekly to see how well I'm sticking to it.

If you struggle with impulse buying or get overwhelmed when reviewing your finances, a credit card can be more risk than it's worth. A single month of paying interest might be enough to offset any rewards you would earn for an entire year. Make sure you have a plan and budget in place before you try to leverage a credit card rewards program.

Related content

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• Why I'm Keeping My Amex Gold Card Even With a Higher Annual Fee
• This Might Be the Most Underrated Travel Card for Simplicity
• Is Costco Worth It For a Two-Person Household?

You won't find them at grocery checkouts, but the U.S. penny is back. To celebrate America's 250th birthday in 2026, the U.S. Mint has introduced one-year-only design overhauls to almost all circulating coins, which are out now.

The rollout includes quarters, nickels, dimes, half-dollars…and yes, the penny.

Though President Donald Trump ordered the end of circulating penny production late last year to save taxpayers an estimated $56 million annually, a special "dual-date" penny has returned exclusively for the semiquincentennial. Think of its comeback like Pluto's status as a "dwarf planet": Not quite a "regular" planet, yet it makes us feel good.

The federal government didn't strike these 2026 pennies for general circulation, so you won't find them in everyday cash transactions. You'll have to embark on what the Mint Director calls a "treasure hunt," and you could actually be taxed on that treasure if the collection is eventually sold for a profit.

Happy Birthday, America — let's talk about what's in your pocket.

New pennies in 2026?

The Mint is celebrating the nation's 250th anniversary with one-year-only design upgrades.

The only other time the U.S. has done this on such a widespread scale was during the 1976 bicentennial. After the celebration concludes, however, the coins are scheduled to revert to their standard looks, like Cinderella's dress at midnight.

The Mint's new redesigns feature a 1776 to 2026 "dual date," and many of the coins are already in circulation, including:

Who's missing from the cash register? The penny. Since the penny's retirement last year, it is the only coin in the lineup that won't be distributed to local banks. Instead, the 2026 dual-date penny is being issued strictly as a collector's item available through official Mint sets.

(Though the Mint is keeping the penny's classic Union Shield look for the 250 celebration, perhaps because the Feds were feeling just as nostalgic about the copper-colored coin as we are.)

*Note: The remaining quarters for the U.S. Constitution and Gettysburg Address will roll out later in the year, alongside various commemorative sets that have already come out or are scheduled to debut through late 2026.

A nationwide 'treasure hunt'

While you have to buy the new pennies directly from the government, the rest of the 2026 circulation coins are headed straight to your wallet.

The Mint, alongside the American Numismatic Association (ANA), has launched the #CoinHunt250 campaign to encourage Americans to look for the new designs in their daily change.

U.S. Mint Director Paul Hollis noted in a recent interview with CBS News, "Certain banks are giving them out, but I would encourage people to request them from your bank."

That's because it can take four to six weeks for new coins to begin to appear in circulation, according to the Mint. Banks typically get them first, and finding them in your everyday change can take longer, depending on your area.

However, serious collectors looking for flawless, scratch-free versions of the coins — or the elusive dual-date penny — might still want to buy pristine uncirculated or proof sets directly from the Mint website rather than relying on treasure hunts.

Are these coins actually worth anything?

With hundreds of millions being minted, the new 250th-anniversary coins probably won't ever exceed their face value. A 2026 quarter found in your car's cupholder will likely only be worth 25 cents for decades to come — regardless of the image stamped on it (unless it's a rare exception).

Even so, value may be built if your coins have flawless preservation, mint errors, or extreme scarcity.

• For instance, if you submit a coin to a professional grading service and it scores a "Perfect Proof 70" (PR70), collectors might pay more for it.
• This is because finding a coin completely free of microscopic scrapes, bumps, and bruises is nearly impossible (just think about the coins rattling around your glove compartment).

Even more lucrative are mint errors, which are flawed pieces that accidentally slip past the Mint's quality control.

Discoveries like a genuine "doubled die" (where the design looks doubled with a rounded, distinct separation) can turn ordinary pocket change into an asset worth hundreds or thousands of dollars. Yet finding true error coins is rare nowadays due to modern minting technology combined with sheer production volume.

Trump's hunt for gold

The collectible coin market is often flooded with standard modern base-metal commemorative sets, uncirculated coin rolls, and third-party legal tender. Although sometimes appreciable, many of these sets fall flat on the resale side.

However, if a set is struck in certified precious metals, it could retain its melt value, and in some cases, retail as well.

• For instance, the Mint is currently navigating a legal battle for an ultra-exclusive, 24-karat gold coin featuring President Trump's profile to mark the semiquincentennial.
• According to Mint and legal filings, only 47 of these coins would be released, each containing 19.7 troy ounces, retailing at $90,000 (pending approval). But legal issues and production delays mean these specific gold pieces wouldn't drop until after July 4, 2026 (more on that below).
• The built-in scarcity and historical track record of precious metals could make these gold coins a popular alternative asset, though gold investment returns can fluctuate significantly depending on inflation and the broader economy.

How the IRS taxes coin collections

If you do decide to jump into the hobby of coin collecting with the hope of selling for a profit later, keep in mind that the IRS treats collectibles very differently from stocks or cash (even for America's Birthday party).

• The holding period is capital. If you buy a collectible coin and sell it in under a year, any profit is taxed as ordinary income (up to 37% federal marginal rate). If you hold it longer than a year, the profit is subject to a specific collectibles capital gains tax rate, capped at 28%.
• Watch the net investment income tax (NIIT). Depending on your income, high earners may face an additional 3.8% NIIT surcharge. How much tax applies is equal to the lesser of your net investment income or the amount by which your modified adjusted gross income (MAGI) exceeds the following thresholds: single filers with MAGI over $200k, or married couples filing jointly over $250k.
• Don't forget your cost basis. The good news is that everything you pay to get the coin — including shipping fees, sales tax, and any "buyer's premiums" above face value — counts toward your cost basis. You can subtract these expenses from your final sale price to lower your taxable gains.

Note: State income taxes on collectibles may also be applicable depending on where you live.

Ultimately, whether you're trying to build an alternative investment or just want to sort through your change with your kids or grandkids, the 2026 coin rollout is a historic milestone. Keep your eyes on your pocket change — you just might find a piece of history staring back at you.

Read More

• Is the Nickel Next? The New Math Behind Your Checkout Total
• Hobby Taxes: What They Are and How They Affect You
• How Collectibles Are Taxed: A Closer Look at Capital Gains Rules

The 2026 NBA Finals could come to an end this weekend, with the New York Knicks holding a commanding 3-1 lead over the San Antonio Spurs and sitting one victory away from their first NBA title since 1973.

The Knicks earned that opportunity with a historic Game 4 comeback on June 10, erasing a 29-point deficit to beat the Spurs 107-106 at Madison Square Garden. OG Anunoby's tip-in with 1.2 seconds remaining completed the largest comeback in NBA Finals history and gave New York a commanding lead in the series.

Every game of the NBA Finals airs exclusively on ABC. Cord-cutters have several ways to watch, with most major live TV streaming services carrying the network. Here's everything you need to know about watching the 2026 NBA Finals.

2026 NBA Finals schedule

The Knicks and Spurs will play a best-of-seven series, with the NBA championship going to the first team to win four games. While seven games are scheduled, the series could end sooner if one team reaches four victories before Game 7.

*If necessary.

Watch the NBA Finals on ABC

The simplest way to watch the NBA Finals is through your local ABC station. If you have a traditional cable, satellite or streaming TV package that includes ABC, you'll be able to watch every game live.

Many viewers can also watch ABC for free with an over-the-air antenna, depending on their location and signal strength.

Best streaming services for the NBA Finals

YouTube TV — $54.99/month

YouTube TV includes ABC, ESPN and more than 100 live channels. The service also includes unlimited cloud DVR storage, making it easy to record games and watch later.

Hulu + Live TV — $89.99/month

Hulu + Live TV combines live sports coverage with access to Hulu's on-demand library, Disney+ and ESPN+ in a single subscription.

Fubo — Sports + News ($55.99/month)

Fubo carries ABC in most markets and is known for its sports-focused channel lineup. New subscribers may qualify for a free trial.

Sling TV — $45.99/month

Sling TV is one of the more flexible streaming options for NBA fans. In addition to its standard monthly subscription, viewers can choose prepaid access for one day, three days, seven days or three months. Sling Orange includes ESPN and provides access to NBA Finals coverage. ABC availability varies by market, so check Sling's channel lineup in your area before subscribing.

DirecTV — $64.99/month

DirecTV offers access to ABC and ESPN along with a broad lineup of sports, entertainment and news channels.

Can you watch the NBA Finals on the ESPN App?

Yes, you can stream games through the ESPN App with a participating TV provider or eligible streaming subscription.

The ESPN App may also offer additional viewing experiences, including alternate camera angles, enhanced statistics and companion broadcasts during the series.

How to watch the NBA Finals while traveling

If you're traveling during the NBA Finals, you may still be able to stream coverage through your existing subscriptions. However, some streaming services may limit access based on your location, meaning your usual coverage could look different while you're away from home.

In those situations, some viewers use a virtual private network (VPN) to access their streaming accounts while traveling. A VPN encrypts your internet connection and routes it through a server in another location, which may help you securely sign in to your streaming services while on the go.

New to VPNs? Getting started is relatively simple:

• Choose a VPN service, such as NordVPN, and follow the setup instructions
• Select a server location that matches your home country
• Open your streaming app and log in as usual

Don't miss the NBA's biggest stage

With every game airing on ABC and multiple streaming options available, fans have more ways than ever to watch the Knicks and Spurs battle for the Larry O'Brien Trophy. Whether you watch through cable, an antenna or a live TV streaming service, you'll be able to catch every moment of the 2026 NBA Finals.

Related content

• Want to Save on Streaming? Here are 9 Ways to Do So
• The 30-Minute Subscription Audit That Could Save You Hundreds This Year
• This T-Mobile Streaming Bundle Gets You Netflix, Hulu and Apple TV Plus for Free

We test and review VPN services in the context of legal recreational uses. For example:1. Accessing a service from another country (subject to the terms and conditions of that service).2. Protecting your online security and strengthening your online privacy when abroad.We do not support or condone the illegal or malicious use of VPN services. Consuming pirated content that is paid-for is neither endorsed nor approved by Future Publishing.

If you use Microsoft Outlook, Teams or Microsoft 365 regularly, there's a new scam making the rounds that's worth paying attention to, especially because it doesn't look like the typical phishing attack people are used to spotting.

The FBI recently warned that cybercriminals are using a more sophisticated approach to trick people into handing over access to their Microsoft accounts. And unlike older scams filled with fake websites, spelling mistakes or suspicious links, this one can appear surprisingly legitimate at first glance.

Security experts say the scam is spreading because it's easier for cybercriminals to launch and harder for everyday users to recognize in the moment. Even people who use multi-factor authentication (MFA) can be vulnerable if they're tricked into approving a login request they didn't initiate.

Here's how the scam works, why it's different from traditional phishing attacks and what Microsoft users can do to better protect themselves.

How the Kali365 Microsoft scam works

The attack uses something called "device code phishing," which sounds technical but is actually fairly simple once you understand how it works.

Microsoft's device code login system is a legitimate feature designed for devices like smart TVs or streaming devices that don't have easy keyboards. Instead of typing a password directly on the device, users are given a short code to enter on a Microsoft login page from another device. Scammers are now exploiting that process.

According to the FBI, the scam typically starts with an email or Teams message pretending to be from a trusted service like SharePoint, OneDrive, Microsoft Teams or another document-sharing platform. The message often creates urgency by claiming you need to open a file, review a document or respond quickly to a request.

The victim is then instructed to visit a real Microsoft login page and enter a provided device code.

Because the website itself is legitimate, many people assume the request is safe. But entering that code actually authorizes the attacker's device to access the account. Once the victim completes the authentication process, the hacker can capture account tokens that allow ongoing access to Outlook, Teams, OneDrive and other Microsoft 365 services.

Why this phishing attack is harder to spot

Most people are taught to watch for phishing red flags like fake websites, misspelled company names or suspicious URLs. This attack avoids many of those warning signs because the Microsoft login page itself is real. That means someone could still fall victim even if they carefully check the web address.

Instead, scammers rely heavily on urgency and impersonation tactics. Messages may appear to come from coworkers, clients or familiar services asking you to quickly review a file or complete a login step.

Cybersecurity experts say this shift reflects how phishing scams are evolving. Rather than stealing passwords directly, attackers are increasingly trying to steal authenticated sessions or access tokens that let them stay signed in without repeatedly triggering password or MFA checks.

Can hackers really bypass MFA?

In a way, yes, but not because MFA itself is broken. The FBI says attackers are not technically defeating multi-factor authentication. Instead, victims are unknowingly approving the login themselves through the legitimate Microsoft process.

That’s an important distinction because MFA is still one of the best protections available and should not be turned off.

However, this scam shows that MFA alone is no longer enough if users are tricked into approving unauthorized access requests.

Security experts still recommend using authenticator apps instead of SMS text-message verification when possible because app-based MFA generally offers stronger protection against other types of phishing attacks.

Signs your Microsoft account may be compromised

One challenge with token-based attacks is that hackers can sometimes maintain access without immediately changing your password.

Still, there are a few warning signs that could indicate someone has gained access to your account:

• Unexpected MFA approval requests or login prompts
• Login alerts from unfamiliar devices or locations
• Emails sent from your Outlook account that you didn’t send
• Strange inbox rules, deleted emails or missing messages
• Password reset notifications you didn't request
• Unusual Teams activity or messages
• New connected apps or permissions you don’t recognize

The FBI also warns that attackers may maintain persistent access until suspicious sessions or tokens are manually revoked.

How to protect your Outlook and Microsoft 365 accounts

While scammers continue finding new ways to target users, a few habits can significantly reduce your risk.

Never enter a device code unless you initiated the login

This is one of the biggest takeaways from the FBI warning. If you receive an unexpected request asking you to enter a Microsoft device code, stop and verify the request independently before proceeding.

Be cautious with urgent Teams or email requests

Even if a message appears to come from someone you know, double-check unexpected requests involving logins, authentication approvals or document sharing.

Review active sessions and connected apps regularly

Microsoft accounts allow users to review signed-in devices and connected applications. Periodically checking for unfamiliar sessions or app permissions can help you spot suspicious activity earlier.

Turn on security alerts

Enable Microsoft security notifications so you receive alerts about suspicious logins, unusual activity or new devices accessing your account.

Use strong, unique passwords and a password manager

Even though this attack doesn’t rely on password theft, strong passwords still matter because attackers often combine multiple tactics.

What to do if you entered a suspicious device code

If you think you may have approved access for a scammer, act quickly.

The FBI recommends taking these steps immediately:

• Change your Microsoft password
• Signing out of all sessions can help invalidate authentication tokens attackers may be using to maintain access.
• Review and revoke any unfamiliar connected apps and permissions
• Review inbox forwarding rules for unauthorized changes
• Run antivirus or security scans on your devices
• Contact your employer’s IT department if it's a work account
• Monitor financial and personal accounts for suspicious activity

You can also report phishing attempts or suspicious activity to the FBI’s Internet Crime Complaint Center (IC3) and through Microsoft’s security reporting tools.

Consider reducing your online footprint

Cybercriminals often use publicly available information to make phishing attacks appear more convincing. Data broker removal services such as Incogni and DeleteMe can help reduce the amount of personal information available online, including addresses, phone numbers and family relationships.

While these services won't remove a hacker's access to a compromised Microsoft account or stop a phishing attack already in progress, they may help reduce the amount of personal information criminals can use to impersonate trusted contacts or craft targeted scams.

Even as scammers evolve their tactics, awareness remains one of the most effective defenses. Understanding how device-code phishing works can help you recognize suspicious login requests and avoid granting access to attackers, even when the Microsoft login page itself is legitimate.

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Buying a used car from a private seller can be a smart way to save money. New vehicles lose value quickly, depreciating about 30% in their first two years and another 8% to 12% annually after that, according to Kelley Blue Book.

At the same time, dealership prices and fees remain elevated, making even used vehicles a significant purchase. As a result, many buyers turn to private sellers in search of a better deal.

A private-party sale can offer substantial savings, but it also comes with added risks. Unlike dealership purchases, private sales are typically sold as-is and often don't include vehicle warranties or other consumer protections. Before handing over your money, it's important to take a few key steps to protect yourself and make sure you're getting the vehicle you expect.

Understand what 'as-is' really means

Buying a car "as-is" means you're purchasing it without a warranty and accepting responsibility for any existing or future problems, whether they're known or hidden. Because private sellers can't certify vehicles or provide warranties, most private-party sales are conducted on an as-is basis.

That can leave buyers with limited legal options if something goes wrong after the purchase. In many states, lemon laws that protect consumers from defective vehicles don't apply to private sales.

For that reason, it's essential to thoroughly evaluate any vehicle before buying it from a private seller. Taking the time to inspect the car, review its history and verify its condition can help you avoid costly surprises later.

Start with the title before anything else

Before you inspect a vehicle, verify that the seller owns it. Ask to see the title and make sure the seller's name matches the name listed on the document. If it doesn't, the seller might not have the legal right to sell the vehicle.

Review the title carefully for any liens, which indicate that money is still owed on the vehicle. A lien must typically be satisfied before ownership can be transferred. You should also look for title brands such as "Salvage" or "Rebuilt," which indicate the vehicle has sustained significant damage in the past.

A rebuilt title means the vehicle was previously declared a total loss but was later repaired and returned to the road. While some rebuilt vehicles can be safe and reliable, it's important to have an experienced mechanic inspect the repairs and evaluate the vehicle's condition before you buy it. Salvage and rebuilt vehicles generally carry more risk and have lower resale values, so they should be priced below comparable vehicles with clean titles.

Run a vehicle history report

Using the vehicle’s 17-character VIN (vehicle identification number) on the driver’s side dashboard or the driver’s side door jamb, run a search using a platform such as CARFAX or AutoCheck.

Review the vehicle history report for potential issues, including its:

• Accident history
• Odometer rollbacks
• Flood damage
• Title brands
• Ownership history

Look for inconsistencies between the information on the history report and the information the seller is giving you. Those inconsistencies might be a red flag and a warning to walk away from the purchase.

Get the car inspected by a mechanic

Paying for a pre-purchase inspection can be one of the smartest investments you make when buying a used car. During the inspection, a mechanic will evaluate the vehicle's overall condition, including its electronics, engine, transmission, brakes and structural components, while looking for signs of wear, damage or poor repairs.

A professional inspection might uncover hidden problems such as fluid leaks, frame damage, rust, transmission issues or warning lights that aren't immediately obvious during a test drive. Spending a few hundred dollars on an inspection could save you thousands in unexpected repair costs by identifying major issues before you complete the purchase.

Inspect the car in daylight

Inspect the car in daylight so you can more easily spot potential problems. Look for uneven paint, mismatched panels or gaps in the body, which could indicate prior damage or poor repairs. Check the tires, too, since uneven wear patterns might point to suspension or alignment issues.

As you review the interior and exterior, watch for signs of flood damage, such as mud under the seats, a musty odor, moisture in the engine compartment or stained carpeting.

Test the vehicle's electronics and features before you buy. Turn on the heat and air conditioning, check the lights, test the backup camera and make sure the digital console works properly. Electrical repairs can be expensive, especially on newer vehicles, so take your time confirming that these features are fully functional.

Take a real test drive

Take the vehicle on a thorough test drive that includes both city streets and highway driving. Listen for unusual noises and pay attention to how the car handles at different speeds.

Test the brakes, including a firm stop when it's safe to do so, and note whether they feel responsive.

As you drive, check whether the vehicle tracks straight or pulls to one side, which could indicate alignment or suspension issues. Make sure the transmission shifts smoothly and consistently throughout the ride.

Questions every buyer should ask

Be prepared to ask the seller all the right questions:

• Why are you selling?
• How long have you owned it?
• Do you have maintenance records?
• Has it ever been in an accident?
• Are there any current mechanical problems?

Asking these questions ahead of time could help you identify potential issues and decide whether it's worth going to test drive the vehicle. When you go to see the vehicle, be prepared with a list of any additional questions you want to ask.

Red flags that should make buyers walk away

Watch out for red flags that mean you should walk away from the vehicle:

• Seller refuses an inspection: A seller who refuses an inspection might be trying to hide a known issue that could be revealed during the inspection.
• Seller pressures quick payment: A deposit should be enough to hold the vehicle while you arrange the payment for the remaining balance. Determine a payment timeline before you put down the deposit. If a seller pressures you to pay quickly, walk away.
• Price seems too low: Vehicle prices are at a premium right now. A price on a used vehicle that seems too good to be true probably is.
• Title issues or excuses: Look for a vehicle with a clean title. If a seller can’t or isn’t willing to produce the title upfront, there might be issues that you’ll want to avoid.
• Cash-only demands: Some sellers could ask for payment in cash for a lower-value vehicle. Be cautious with these arrangements, and make sure they’re conducted in a safe location. A cashier’s check is a much safer option than carrying a large amount of cash on you.

How to pay safely

When paying the seller, arrange to meet at a bank or a safe-exchange zone at a police station. Use a cashier’s check or a secure money transfer method. Be sure that you and the seller complete and sign a bill of sale, and that you each retain a copy of the document.

Before you complete the purchase, verify your state’s title requirements. In many states, the seller will need to sign and date the back of the title. Don’t complete the transaction unless you receive a signed copy of the title.

Don't let a bargain become an expensive mistake

Buying a used car from a private seller can be an effective way to save money, but those savings can disappear quickly if you overlook warning signs or skip important steps. Taking the time to verify the title, review the vehicle's history, schedule a prepurchase inspection and thoroughly test drive the car can help you avoid costly surprises.

Approach the transaction carefully, and don't let emotions or pressure influence your decision. If something doesn't seem right or the seller is unwilling to answer questions or provide documentation, be prepared to walk away. There will always be another vehicle, but recovering from a bad purchase can be much more difficult.

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There’s a certain point every year when your home can feel as if it’s bursting at the seams. Holiday decorations are stacked in corners, patio furniture and cushions are coming back out for the season, and somehow the closets that just felt organized are full again.

That’s when a storage unit can feel like the perfect solution. It’s quick, convenient and creates extra space without forcing you to decide what to keep, donate or throw away. But storage isn’t as simple as packing things away and forgetting about them.

What you put in a storage unit still matters. Some items won’t hold up over time, especially in spaces without climate control. Others can attract pests, create safety hazards or even violate storage facility rules. Before you start boxing things up, it’s worth knowing what should stay out of storage altogether.

Storage units feel like an easy fix for clutter

But not everything belongs in storage. Not every item you box up will come out in the same condition, or even be allowed in the first place. Storage facilities often have rules about what tenants can keep inside, and even items that aren't prohibited can deteriorate over time due to temperature swings, humidity, pests or neglect.

That means that what starts as a smart decluttering project can turn into an expensive mistake. Before you stash something away for months or years, it's worth considering whether it will survive storage.

When we asked readers of our A Step Ahead newsletter what they're keeping in storage, the answers ranged from quirky collectibles to treasured family keepsakes. Readers reported storing everything from beer can collections and rocket-launching tubes to antique spinning wheels, oversize stuffed animals and a baby doll buggy that has been in the family since 1945.

Those responses highlight an important reality: Storage units often become homes for the items we value most, whether they're collectibles, family heirlooms or pieces of personal history. That's why it's especially important to know which belongings are at risk of damage and which items might not belong in storage at all.

Here are 10 items that don't belong in storage and why keeping them there could cost you.

1. Perishable food and pantry items

Food might seem harmless, but it's one of the quickest ways to create problems inside a storage unit. Pantry staples, pet food, even unopened snacks can attract rodents and insects. Once pests find a food source, they often spread beyond the food itself, damaging boxes, fabrics, furniture and other stored belongings.

Food can also spoil over time, creating unpleasant odors and increasing the risk of contamination, so many storage facilities prohibit food storage altogether.

2. Hazardous or flammable materials

Items such as gasoline, propane tanks, paint, cleaning chemicals and fireworks are almost always prohibited in storage units, and for good reason. These materials can leak, ignite or create hazardous fumes, posing serious safety and fire risks.

Even if nothing goes wrong, storing prohibited materials could violate your rental agreement and lead to penalties or the loss of your unit. As a general rule, if an item is flammable, combustible or corrosive, it shouldn't be placed in a storage unit.

3. Important documents and sentimental items

It's tempting to store paperwork or keepsakes you don't use often, but a storage unit isn't the best place for anything that's difficult or impossible to replace.

Birth certificates, Social Security cards, financial records and family heirlooms can all be damaged by moisture, fire or theft. Even well-maintained facilities can't eliminate those risks entirely.

For items with significant financial, legal or sentimental value, consider storing them in a fireproof safe at home or a bank safe-deposit box instead.

4. Electronics (without climate control)

Electronics don't handle extreme temperatures or humidity well. Heat can warp internal components, while moisture can lead to condensation, corrosion and permanent damage. That old laptop, TV or gaming console you're trying to save for later might not work when you retrieve it, especially if it's been sitting in a non-climate-controlled unit for months or years.

If you need to store electronics, consider renting a climate-controlled unit. These units maintain a more consistent temperature and humidity level throughout the year, helping protect sensitive components from heat, cold and moisture.

It's also a good idea to pack electronics in their original boxes when possible or use sturdy containers with padding to protect them from dust, impact and shifting during storage. Before putting devices away, remove batteries, back up important data and cover equipment with breathable materials rather than plastic, which can trap moisture.

5. Clothing and fabrics

Clothing, linens and upholstered items can quickly fall victim to mold, mildew and pests when stored improperly. In humid conditions, fabrics absorb moisture and develop musty odors or visible mold growth. In drier environments, natural fibers can become brittle, while insects such as moths might damage clothing and textiles.

If you need to store fabrics, make sure everything is clean and completely dry before packing it away. Use breathable garment bags for clothing, acid-free boxes for delicate textiles and sturdy plastic bins with tight-fitting lids for items that need extra protection from pests.

For valuable garments, consider using a wardrobe box that allows clothing to remain hanging and wrinkle-free. Climate-controlled storage can also help protect fabrics from temperature and humidity fluctuations.

Without proper preparation, the clothes, linens and upholstered items you store today might not be in usable condition when you retrieve them months or years later.

6. Wine and alcohol

Wine is particularly sensitive to temperature fluctuations and prolonged exposure to heat. When stored improperly, corks can dry out and shrink, allowing air to enter the bottle and spoil the wine. Excessive heat can accelerate the aging process, alter flavors and, in some cases, permanently damage the contents. Even short periods of exposure to extreme temperatures can affect quality.

If you have a wine collection, consider storing it in a wine refrigerator or another temperature-controlled environment designed for long-term preservation. Ideally, wine should be kept at a consistent temperature with moderate humidity and minimal exposure to light or vibration.

While some storage facilities offer climate-controlled units or specialized wine storage options, a standard storage unit is rarely the best choice for protecting a valuable collection.

7. Tires and unregistered vehicles

Some storage facilities allow vehicles, but often with strict requirements. Unregistered vehicles, leaking fluids and improperly stored tires can create safety, environmental and fire hazards. Tires, in particular, can degrade over time when exposed to fluctuating temperatures and might be restricted by some facilities due to disposal and safety concerns.

Before storing a vehicle or extra tires, review your facility's policies carefully. Many sites offer dedicated vehicle storage for cars, motorcycles, boats, RVs and ATVs, either in outdoor parking spaces or enclosed units.

These specialized storage options might provide additional security, protection from the elements and features such as battery maintenance or climate control. Choosing the right type of storage can help protect your property and prevent costly damage while it's not in use.

8. Live plants or animals

This might sound obvious, but it still happens. Storage units aren’t designed for living things. They lack ventilation, light and consistent temperatures.

These are conditions that can quickly become fatal for plants or animals. In addition to ethical concerns, this can also create sanitation issues and attract pests.

9. Wet or damp items

One of the most common, and costly, storage mistakes is putting items away before they’re completely dry.

That includes:

• Carpets or area rugs cleaned right before moving
• Recently used outdoor gear
• Appliances such as mini fridges or coolers
• Boxes packed during a rainy move

Moisture trapped in a sealed space creates the perfect environment for mold to grow. Once it starts, it spreads quickly. One damp item can ruin an entire unit.

10. Anything extremely valuable or irreplaceable

Even in a secure facility, storage units aren't immune to theft, fire, water damage or natural disasters. If an item has significant financial or sentimental value, think carefully before storing it off-site.

Insurance could help cover some losses, but coverage limits, exclusions and deductibles can leave you paying out of pocket. For many heirlooms, collectibles and family keepsakes, replacement simply isn't possible. When possible, keep valuable items in a location where you can monitor and protect them more closely.

If you choose to store high-value belongings, create a detailed inventory, take photos and keep records of their condition and estimated value. You might also want to review your homeowner, renter or storage insurance coverage and consider additional protection for valuable collections.

The real cost of storing the wrong items

A storage unit might seem as if it's a modest monthly expense, but the costs can add up quickly over time. Depending on the size, location and amenities, you could pay anywhere from $75 to $200 a month, or roughly $900 to $2,400 a year. Add-ons such as insurance, climate control and administrative fees can push that total even higher.

The bigger risk is paying to store items that lose value while they're sitting there. Moisture, temperature fluctuations and pests can damage belongings, turning a storage solution into an expensive replacement project.

Before signing a lease, consider whether the items you're storing are worth the ongoing cost and whether they'll still be in good condition when you need them again. Storage units can absolutely help you stay organized and create breathing room at home. But they’re not a catch-all solution.

Before you pack something away, ask yourself a simple question: Will this item hold up in a dark, enclosed space for months at a time?

If the answer is no, or even maybe, it’s worth finding a better option.

Related Content:

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• 10 Items That Actually Belong in a Storage Unit
• Tips to Declutter Your Home Before Your Retirement Move

Buying a new smartphone can set you back significantly. Americans spend an average of $634 on a phone, according to a 2025 survey from and premium models of the iPhone, Samsung Galaxy and other popular devices run more than $1,000. Those costs are likely one reason that people are hanging on to their phones for a while before upgrading, keeping them for nearly two years and five months, according to the Reviews.org survey.

To protect your pricey device, you can buy phone insurance. With these plans, which you may be able to purchase through your wireless carrier, the phone manufacturer or from insurance companies, you can submit a claim if your phone is damaged, lost or stolen. After you pay a deductible, which may range from about $50 to $250, you'll get a repair or replacement. Many insurance plans cost $10 to $20 per month.

Some credit cards offer phone insurance as a free benefit if you pay your wireless bill with the card; among them are American Express Platinum ($895 annual fee), Capital One Venture X ($395), Chase Freedom Flex, and the Wells Active Cash and Autograph cards, which are all included in our list of the best rewards credit cards.

As with other plans, these come with deductibles, and they impose coverage limits of $600 to $800 per claim. Keep in mind, however, that if your wireless carrier offers a discount for automatic payments, the discount may not apply if you use a credit card.

Weigh the options

Consumer advocates say that the math often favors skipping phone insurance, if you have to pay for it.

"When we gamed it out, you basically came out ahead in almost all situations without paying for the insurance," says Nathan Proctor, senior director of the Right to Repair campaign for U.S. PIRG, a nonprofit consumer advocacy organization. Most people won't file enough claims to make paying the premium and deductible worthwhile, Proctor says.

Still, in some cases, getting insurance may make sense. "If you're spending $1,500 or $2,000 on a smartphone — even if you're a careful user — I would recommend opting for some sort of smartphone insurance," says Louis Ramirez, deals editor-in-chief for tech-review site Tom's Guide.

Additionally, if you frequently use your phone in places where you're at higher risk of damaging or losing it — say, at the gym or while working outdoors — or if you're the parent of a teenager who is less than careful with their phone (or of a young child who likes to get their hands on your device), opting for insurance may not be a bad idea.

If you sign up for insurance, be sure to read the fine print. Check details such as the deductible amount and how many claims you can make per year; often, the cap is two or three claims. Also review the rules that determine whether your device will be repaired or replaced, as well as any coverage exclusions. Most plans don't include normal wear and tear, for example.

If you forgo insurance and damage your phone, going to an independent repair shop can be an efficient and affordable option. The cost of replacing a screen, for example, averages about $300, and you may pay less than that, depending on the model and availability of parts.

But more-advanced repairs, such as fixing a broken camera with complex features, may not be available at a shop, says Ramirez. In those cases, you may need a protection plan from the manufacturer, which can cover the gamut because it has unrestricted access to parts and knows the device inside and out.

Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here.

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When you're looking for ways to cut your monthly budget, the dream is to find cuts you can make that don't feel like sacrifices. You want to save money, but you don't want to live like an ascetic monk.

One of the more popular pieces of advice floating around online is to call your current service providers and just ask them to lower your bill.

It's one of those tricks to save money that sounds nice, but feels like it probably doesn't really work or, at best, you might save a few bucks. Where I live, two of my utility providers have a monopoly in the state, and a couple others have few real competitors, so I was sure I wouldn't be able to negotiate much in the way of savings — especially when my only reason for asking was just that I wanted to give them less money.

But I decided to give this method a shot, and I called my service providers to ask for discounts. As it turns out, spending a couple of hours on the phone and in online chats with customer service representatives saved me an estimated total of more than $720 per year.

How I saved $720 just by asking nicely

Personal finance experts recommend researching competitor offers and calling your provider to ask if the company can match it. The general consensus is that you should be polite but confident and make sure to get any discounts or deals confirmed in writing before you hang up.

To maximize those savings, you can tally up the total amount you were able to save by asking for lower bills and stash that in a high-yield savings account each month to earn interest on it. This can be an easy way to boost your savings without having to make a single change to your monthly spending habits.

With all this in mind, I got to work. After making a list of all the bills I pay, there were some I crossed off from this experiment right away. Those that didn't make the cut included my car and home insurance, because I just reshopped my insurance in March and already saved a few hundred in the process.

Likewise, I skipped calling my gas company and trash service because I switched both earlier this year to take advantage of special offers.

Otherwise, here's how my bill-lowering experiment played out:

Peacock: Saved $70

Getting a discount on Peacock was the easiest on my list. I didn't even have to pick up the phone; I just logged into my account and clicked the "cancel all subscriptions" button. This took me to a page with an offer to keep my annual plan for $40 for the year. I clicked "claim offer," and now it's set to renew at the discounted rate instead of the $110 price I was originally scheduled to pay. The process took less than a minute from start to finish.

This was the only streaming service I tested the process on because all other streaming platforms I use are either bundled into other services or otherwise free or cheap for me already. For example, I have a Disney+ and Hulu bundle that I only pay $2.99 per month for thanks to a streaming credit I get every month from my American Express Blue Cash Preferred card.

With that said, I've heard anecdotes that other streaming platforms are similarly willing to offer discounts if you threaten to cancel.

Fitbit Premium: Saved $80

This one was less of a negotiation and more of a realization that I don't really use the features of this app enough to justify paying for it. I went through the cancellation process with the mindset that I'd keep it if I was offered a dirt-cheap price for it, but otherwise I'd just cancel it.

Going through the cancellation process was easy, but Google's prompt asking me to stay didn't include a discount. I followed through on the cancellation and saved the $80 I would have paid when the subscription renewed next month.

That's one more lesson from this experiment: Sometimes it's helpful to review the subscriptions you have and assess if you actually need them.

Water company: Saved $0

Of all the services I contacted, this was the only "no" I got. As expected, it's hard to negotiate with a company that has no competitors, especially when the service in question is a basic need such as water. They know I'm not going to cancel.

Still, the customer service representative did mention some discount programs that the company offers, but these were largely income-based, and I don't qualify.

Electric company: Saved $156

My electric company also has a monopoly in my state, so I dialed the customer service line with low expectations. I wasn't able to research competing offers because there are none, and my loyalty to the company means little when there's nowhere else to go.

Still, the customer service representative discussed some of the other rate plans they offer, and I discovered one that's a better fit with my power usage habits. After reviewing my bills from last summer, the rate plan I switched to will save me an estimated $39 per month from June through September without changing my usage habits. My bills outside of summer will likely be about the same.

This wasn't a discount per se, but making the call did still result in estimated savings of $156 per year.

AT&T Home Internet: Saved $420

This one was my biggest win by far, but the key to success was getting a human representative on the phone, and that step took some work. When I told the automated system that I was considering canceling my internet service, it started walking me through the cancellation process. I had to interrupt it repeatedly to get a human on the phone before my service was cut.

Once I was talking to a representative, though, the process was easy. Before the call, I'd checked a few other internet providers. Of those that service my neighborhood, the best offer was from Xfinity. I could get a plan for the same 500-megabit speed internet I currently have for $45 per month. I pay $65 to AT&T.

I asked the representative if AT&T could match that deal. She said she'd look around and see what discounts she could offer. After a few minutes, the best deal she found was for the 1,000-megabit plan, the next step up from my current plan.

After the loyalty discount and other credits she found, she offered me the faster plan for $30 per month and locked in that rate for the next 24 months. That's $35 less than I'm paying now, or $420 in savings per year for the next two years.

Asking for lower bills is definitely worth it

All told, I spent about three-and-a-half hours running down the list of services, doing my research to find competing offers and contacting each company. But I came out more than $720 ahead at the end of it, and most of these savings are sticking for a while, so I won't have to do it again for at least another year.

You'll likely get turned down in some cases. My water company said no, and Google didn't even bother offering a discount to keep me on the premium version of the Fitbit app. Overall, the savings you do get from the companies that say yes will likely more than make up for the rejections.

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If you own an electric vehicle, time is running out to take advantage of the EV charger tax credit. The Alternative Fuel Vehicle Refueling Property Credit covers up to 30% of the cost of a home EV charging station, including eligible hardware and installation expenses, up to $1,000.

The credit was originally extended through December 31, 2032. However, the GOP's One Big Beautiful Bill eliminated the tax credit, and it's now set to expire on June 30, 2026.

If you've been considering installing a home charging station, you might want to act soon to take advantage of the credit before it disappears.

Where you install the charger matters

To qualify for the credit, the IRS (PDF) requires you to install the charger in a home in an eligible low-income community census tract, or a nonurban census tract. According to the IRS, about two-thirds of Americans live in census tracts eligible for the credit.

A census tract is a small geographic region or neighborhood as defined by the U.S. Census Bureau. Census tracts allow the government to collect and organize data about these specific areas.

To determine if you live in a tract that’s eligible for the tax credit, use the U.S. Department of Energy 30C Tax Credit Eligibility Locator, which allows you to look up your address, and it identifies whether your home is in an eligible tract.

Not every home will qualify for the credit. If you have a second home, the charger must be installed at your primary residence to qualify for the credit.

Which types of EV chargers qualify

The EV charger tax credit applies to Level 1 and Level 2 chargers; the chargers must be new.

Level 1 chargers use standard 120V outlets and can be used for lighter charging needs, but most homeowners install Level 2 chargers, which are faster and can fully charge typical electric vehicles overnight.

When shopping for an EV charger, consider how you tend to use your vehicle, your typical charging needs and the types of features that you might want.

For example, smart scheduling can charge your vehicle during off-peak times when energy rates are lower, and smart chargers can provide detailed summaries of energy usage and can send you notifications to remind you to charge your car.

Both the hardware and the installation could count toward the tax credit.

Below are a few top-rated Level 2 EV chargers we found:

Do you need an electrician?

Many Level 2 chargers require professional installation. Depending on the location of the charger and the capacity of your electrical panel, an electrician might need to upgrade the panel to handle the additional electrical load.

The installation will typically require an electrical permit, which a licensed electrician can usually obtain on your behalf. If you live in a homeowners association (HOA), you might also need approval before installing a charger.

Installing a charger can become more complicated if you rent your home or live in a condo. In these situations, you might need approval from a landlord, property owner or condo board. You might also have to follow building rules or bylaws that could affect where the charger can be installed or what type of charger you can use.

What records should you keep for the tax credit?

It's essential to carefully organize and keep records of the charger installation for the tax credit. As you move through the process, be sure to retain the following:

• Receipts. Keep receipts for the charger, related equipment and installation costs.
• Permits. Save all permit paperwork, including the signed permit card showing the installation passed inspection.
• Electrician invoices. Retain all invoices from your electrician, including charges for permits, panel upgrades and installation work.
• Proof of payment. Keep proof of payment for all expenses, such as credit card statements, receipts or canceled checks.
• IRS Form 8911. You'll use IRS Form 8911 to claim the tax credit when you file your taxes. Be sure to keep an extra copy of the form for your records.

Is it worth rushing before the deadline?

Installing an EV charger is a significant project, so it’s important to research your options and choose a charger that fits your needs.

That said, the tax credit could provide meaningful savings. Most home chargers cost between $500 and $900, while installation can range from about $1,000 to $3,000 depending on the complexity of the project and the condition of your existing electrical panel.

For example, if your total project cost came to $2,800, you could potentially receive an $840 tax credit. If you were already planning to install a charger, it might be worth completing the project before the June 30 deadline.

To meet that deadline, though, you’ll likely need to move quickly, especially if permits are required.

Start contacting electricians now to check their availability and ask whether they believe the installation can realistically be completed in time.

To qualify for the EV charger tax credit, the installation must be fully completed by June 30.

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Have you ever noticed that the prices of the things you buy online seem to change for no rhyme or reason? I was recently shopping for my daughter's first birthday, and I had my eye on the Rolls-Royce of kids' wagons — this thing is nicer than some of the cars I drove in college.

But I wanted to do some research first. I put the wagon in the online shopping cart while I read some expert and customer reviews. Not even a day later, I was back — and the wagon was a few dollars more expensive than it was the previous day.

For one item, a few dollars is not a big deal. But this can add up over time with regular purchases. Some stores use surveillance data to determine your shopping behaviors, so they can pinpoint, with scary accuracy, the maximum amount you'll pay for an item. I'll explain how it works and what you can do to avoid it.

How retailers use your shopping habits against you

The Federal Trade Commission (FTC) conducted a surveillance pricing market study and found that retailers use factors such as your precise location, shopping history, demographics and internet browsing history to set prices.

"Initial staff findings show that retailers frequently use people's personal information to set targeted, tailored prices for goods and services — from a person's location and demographics, down to their mouse movements on a webpage," said Lina M. Khan, then-FTC chair, in the January 2025 report.

That might apply to online shopping, but can they also track you in-store? Yes. Retailers employ cameras and AI to determine how long you stay in a specific section, the products you're looking at more and to prevent food waste.

Retailers can also track your smartphone, using Bluetooth beacons, cellular signals and Wi-Fi routers. The beacons work by sending streams of Bluetooth signals that nearby devices detect, triggering app notifications to process data. These tools, with your purchase histories, allow them to track your shopping habits to set prices.

Why are companies spying on you?

Companies employ these tools for several reasons. Of course, the primary driver is to maximize revenue. Retailers can also use this information to monitor inventory levels, lower prices to undercut competitors, and make price adjustments based on customer behavior.

Think of it this way: Say you need to book a last-minute flight to attend a funeral. You shop around for flights, then get in touch with family members to arrange schedules.

You return to the website a day later only to find the fare has increased substantially. Why? Because the website has your browsing information. The algorithm likely knows why you're booking the flight and that you must fly on certain dates, and it raises prices knowing you'll still need to buy. Here's how to fight back.

How to protect your data and prevent price surges

There are a few things you can do to prevent companies from harvesting your data to charge you more:

• Delete cookies regularly: Cookies are like your digital shadow, leaving a breadcrumb trail of what you search for online, what you have in your shopping cart and more. Deleting these regularly means retailers don't have a full picture of your online shopping behavior, which, on its own, won't stop it. But using this practice with a virtual private network can.
• Install a VPN: A virtual private network (VPN) allows you to mask your location data, making it harder for retailers to use it to hike prices.

• Examine permissions for store loyalty programs: Some stores offer lower prices or free perks if you sign up for their loyalty program in exchange for collecting your data. Luckily, many of these programs have permissions you can access to turn data off. Open the app's settings, find the privacy section and look for the "how we use your data." There, you can opt out of some data collection methods, such as location tracking.
• Compare prices: When you shop, compare prices with your phone and computer, as a website might charge more based on the device you use. You can also compare prices by shopping for an item in a regular browser, then look for it again in incognito mode to see if there are any variances.

Along with using these tactics, know that some states also have data privacy protection laws that can shield you from paying more.

Some states are fighting back

Maryland became the first state to ban the use of surveillance data in grocery stores. They're not the only ones tackling the issue. Colorado and Connecticut lawmakers also just passed bans, and other state legislatures are working on similar proposals, including in New York and California.

There are 20 states with data protection laws, including California, Virginia, Colorado, Connecticut, Utah, Iowa, Indiana, Tennessee, Texas, Florida, Maryland, Minnesota, Montana, Oregon, Delaware, New Hampshire, New Jersey, Kentucky, Nebraska and Rhode Island. These laws allow customers to opt out of targeted advertising and the selling of their data. If you live in one of these states, I recommend learning more about the law and your rights under it.

Ultimately, retailers have become more adept at building shopper profiles using surveillance data. Unfortunately for you, this means they're mainly using this information to see how much they can charge you for a good or service.

Your best course of action is to protect your data. Use a VPN, delete cookies regularly and remove location-tracking permissions on store loyalty apps. Doing these things makes it more difficult for retailers to track your information and keeps you less susceptible to price hikes.

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We test and review VPN services in the context of legal recreational uses. For example: 1. Accessing a service from another country (subject to the terms and conditions of that service). 2. Protecting your online security and strengthening your online privacy when abroad. We do not support or condone the illegal or malicious use of VPN services. Consuming pirated content that is paid-for is neither endorsed nor approved by Future Publishing.

The World Cup, soccer's most popular international tournament, began on June 11. The tournament, featuring 48 teams, spans more than 39 days with matches taking place in the United States, Mexico and Canada.

If you're a soccer fan, this is an excellent opportunity to catch the action live — that is, if you can afford the higher ticket prices. I recently checked, and the average ticket price for the U.S. vs Paraguay match on June 12 in Los Angeles starts around $850 per ticket on the resale market.

There is good news, though. Ticket prices are decreasing as demand wanes, making the resale market more attractive to soccer fans, but that also creates an opportunity for scammers, who use these events to clean up. Here's a peek into how scammers trick you into their ploys.

Look for these things before you buy

"There's an element of urgency that should be an immediate red flag," Ben Farrow, a partner at Anderson, Williams, & Farrow, told Kiplinger.

If someone messages you on a social media app such as Facebook, promising a can't-miss deal on World Cup tickets, there's a high likelihood it's a scam.

Thieves use persuasive language to add an element of urgency. When prices are high for a coveted event such as the World Cup, it's easy to let caution fall by the wayside when a deal seems too good to pass up.

Scammers use QR codes and AI to trick buyers

Another thing to watch for is when the seller asks you to scan a QR code, which usually opens a website where you can purchase tickets and check out. But before checking out, check out the website.

"Scammers will use AI tools to make landing pages look legit. But if you take some time to review the website, they omit pertinent details, such as business location, contact information, etc," remarked Farrow.

The fake giveaway

Thieves use other ploys to entice people into buying fraudulent tickets. One of the more common is fake giveaways.

You might find a company advertising free World Cup tickets if you enter their sweepstakes. You click the link, only to be taken to a fake website where hackers could steal your information.

If it feels as if something is off, it likely is. Knowing where to buy vs where not to can help you avoid some of these encounters.

Where's the worst place to buy World Cup tickets?

"Social media," Farrow said. The problem with social media is that you have acquaintances you might have met once, but you don't really know them. They reach out with cheap tickets, and it's tempting to take the bait, but that's where you need to pause to really think things through.

Instead, look for legitimate resellers. How do you find them? Start with FIFA's ticket market.

If those sell out or you need another option, try the National Association of Ticketing Professionals. You can use their member feature to find reputable ticket resellers by company name. If they're unable to fulfill your order for some reason, you'll receive up to a 200% refund of the contracted price.

The risks are real. According to LegalShield’s World Cup ticket scam report, 36% of victims said they had a "verified" ticket rejected at the gate as fraudulent, while 68% reported buying so-called "ghost tickets," when the seller never had the tickets in the first place.

Additionally, when you purchase your World Cup tickets, Farrow recommends using a credit card. If things go south, you have fraud protection.

However, timing does matter. Credit card companies give you 60 days to dispute a charge. If you buy illegitimate soccer tickets, contact your credit card company promptly, or you could lose money.

Do I have any legal recourse against ticket scammers?

"If you get scammed, your legal options are terrible," remarked Farrow. "If you can find the scammer and take them to court, then great, but chances are, you're not going to find them."

That doesn't mean you shouldn't do anything. "There are options available, where you can file reports with state agencies, the FTC or your state's attorney general," Farrow added. While that might not get you your money back, it could change things moving forward.

Farrow continued, "Think of it this way: Do you still receive a ton of calls about extended auto warranties? No, and that's because enough people complained."

The same applies to ticketing scams. While you might feel embarrassed in the moment, filing complaints won't get your money back, but over time, it could create change that prevents it from happening to you again.

Ultimately, the World Cup is a huge boon at a time the sport is increasing in popularity in the U.S. With ticket prices dropping on the resale market, it creates a buyer frenzy as the tournament approaches.

To avoid being scammed, know the scammers' playbook. Avoid buying tickets on social media, use legitimate resellers, and pay with your credit card. Doing these things ensures you receive a legitimate ticket to the action, so you're not sitting on the sidelines after losing thousands of dollars.

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If you’re eager to get the newest phone the day it’s released, preordering can help you secure the device before it sells out in stores. Manufacturers, carriers and retailers typically open online preorders days or weeks before a phone's official release date, allowing shoppers to reserve a device ahead of launch.

Companies including Verizon, AT&T, T-Mobile, Apple, Samsung, Best Buy and Amazon all offer phone preorders.

But timing matters. Popular models and configurations can sell out quickly, and some preorder windows fill within minutes.

How the pre-order process works

When you preorder a phone, you’ll typically choose the model, storage capacity, color and carrier before the device is officially released. Many companies, including Apple, let shoppers prepare in advance by saving their preferred configuration, payment information and carrier details ahead of the preorder window. That can make checkout faster once preorders officially open.

You’ll also usually have several payment options. You can pay the full cost upfront or finance the purchase through monthly installment payments. Some carriers and retailers might also offer trade-in credits based on the model, age and condition of your current phone.

After placing a preorder, you might notice an authorization hold on your credit card. This temporary hold confirms that funds are available and may appear as a pending charge on your account for several days. In most cases, your card won’t be charged until the phone ships, at which point the authorization hold is replaced by the final purchase charge.

Many preorder phones ship on launch day, but delivery timelines can vary, depending on demand. Customers who order later in the preorder window might face shipping delays, especially for high-demand models or specific colors and storage options. Some popular devices can remain backordered for weeks after release.

The biggest advantages of preordering

Pre-ordering a phone offers several major advantages:

• Get the phone early. If you place your order as soon as the pre-order window opens, you might receive a high-demand phone on or near launch day, even if the device quickly sells out in stores.
• Take advantage of launch promos. Preorders are often tied to limited-time offers, including boosted trade-in values, free storage upgrades, gift cards or monthly bill credits that can increase the overall value of the deal.
• Skip the store crowds. Preordering can save you from waiting in long lines or visiting multiple stores only to discover the phone you want is out of stock.
• Lock in pricing. Preordering secures the phone’s price at the time you place your order, which helps protect you from potential price increases after launch.

The downsides to consider before you preorder

While there are many perks to a preorder, it’s important to also consider the downsides:

• No reviews yet. When you preorder a phone, you’re buying it before full reviews and long-term testing are available. That means you’ll have less information about the device’s real-world performance and potential issues.
• Deals may improve after launch. A preorder offer might look appealing, but better discounts or promotions could become available after the phone officially launches, especially through carriers and retailers.
• Potential delivery delays. If demand exceeds supply, shipping dates can slip. Some customers might wait weeks or even months for high-demand models or configurations.
• Promo fine print. Preorder deals often come with conditions that reduce their overall value. For example, trade-in credits might be issued as monthly bill credits over 24 or 36 months, and strict trade-in requirements may apply.
• Cancellation and restocking fees. Canceling a preorder can become more difficult once the order moves beyond the processing stage. Depending on the retailer or carrier, you could also face restocking fees after the phone ships.

When pre-ordering makes the most sense

Preordering a phone makes the most sense if you want the latest device as soon as it’s released. Preorders are especially popular with tech enthusiasts and early adopters, and they can improve your chances of getting a specific model, color or storage configuration that may be difficult to find in stores after launch.

A preorder can also be worthwhile if you qualify for a strong trade-in offer during the promotional period. Locking in a higher trade-in value might help offset the cost of upgrading to a new device. If you already plan to stay with your current carrier for the next few years, taking advantage of a preorder promotion could make financial sense while helping you upgrade right away.

When it’s better to wait

You might want to wait to buy a new phone if you rely on independent reviews and hands-on testing to help you decide which device is right for you. Waiting until after launch gives reviewers time to evaluate real-world performance, battery life and features.

Waiting can also make financial sense. Promotions often improve after launch, especially during major shopping periods such as Black Friday, back-to-school season and holiday sales.

If you’re considering switching carriers, taking time to compare plans and incentives could help you find a better long-term deal. Many carriers offer significant discounts and enhanced trade-in promotions to attract new customers.

Timing might also matter if you’re considering upgrading to the next iPhone. According to reports from MacRumors, Apple could introduce higher-end iPhone 18 Pro models in late 2026, with standard models potentially arriving later.

But if you don’t need the latest processor or premium features, current deals on the iPhone 17 lineup might still offer strong value. Carriers such as T-Mobile are already offering aggressive trade-in promotions on select plans that can significantly reduce the cost of upgrading now.

Tips to get the best preorder deal

Put these tips to use to get the best preorder deal:

• Set up your account early. Take advantage of any pre- preorder period to shop for the phone, set up your account, and enter all your payment information. Saving all these details in your account can help you place your order when the preorder period opens, increasing the chances that you get your phone early.
• Compare offers. Compare offers on the new phone across carriers, manufacturers and retailers. Preorder offers vary, and you might find that some offers are significantly better than others.
• Check total cost. Check the total cost of your pre-order, not just the monthly payment. Pay attention to extra fees and verify that you're getting a good deal before you place the order.
• Understand trade-in details. Carefully read the trade-in terms and timelines. Most contracts give you a certain number of days to mail back your old phone after receiving your new one. Be sure you can meet the conditions to get the full value for your old phone.
• Watch for catches. Some deals require you to sign up for a higher phone plan, and the plan can drive up your monthly costs. Pay attention to whether you’re receiving bill credits or upfront discounts and how that structure will affect your monthly payments.
• Consider your phone's resale value. If you plan to keep your current phone, rather than trade it in, consider its resale value. You might be able to sell the phone and put that money toward the purchase of your new phone.

Is pre-ordering worth it?

Phone preorders are great for convenience and early access, but they don't always offer the best value.

Before jumping into a preorder, take time to compare the total cost and consider whether a preorder is best for you. A phone is a major purchase, and contracts have long-term implications, so don't rush the decision.

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The PGA Championship returns May 14 through May 17 at Aronimink Golf Club in Newtown Square, highlighting a busy stretch of the PGA Tour schedule.

Scottie Scheffler enters the tournament after winning the 2025 PGA Championship and remains one of the sport’s dominant players. He narrowly missed adding another major earlier this season, finishing one stroke behind Rory McIlroy at the Masters.

McIlroy heads into the PGA Championship with momentum following his Masters victory, while many of golf’s top-ranked players are expected to compete in the season’s second major.

2026 PGA Championship TV schedule

Golf fans can watch the 2026 PGA Championship across ESPN, CBS and several streaming platforms throughout the four-day tournament.

Coverage begins Thursday, May 14 and continues through the final round on Sunday, May 17.

CBS coverage times

CBS Sports will air the main weekend coverage during the final two rounds:

● Saturday, May 16: 1 p.m. to 7 p.m. ET

● Sunday, May 17: 1 p.m. to 7 p.m. ET

ESPN will carry early coverage on Saturday and Sunday from 10 a.m. to 1 p.m. ET before CBS takes over. Fans can stream the CBS broadcast live through Paramount+ with the Paramount+ Premium plan.

Where to stream the PGA Championship

If you plan to stream the tournament instead of watching on cable, several services will carry live PGA Championship coverage throughout the week, including early-round feeds and weekend broadcasts.

ESPN+

ESPN+ offers the most comprehensive coverage of the tournament, including:

• Early-round coverage on Thursday and Friday
• Featured groups
• Featured holes
• Additional live feeds throughout the tournament

Paramount+

Paramount+ will stream the live CBS weekend broadcast during the third and final rounds.

Cord-cutters can also watch through live TV streaming platforms that carry ESPN and CBS, including:

Prices listed reflect standard monthly price ranges and may not include limited-time offers or new customer promotions. Check each streaming provider for current free trials, discounts and bundle deals.

How to watch the PGA Championship while traveling

If you're traveling during the PGA Championship, you may still be able to stream coverage through your existing subscriptions. However, some streaming services may limit access based on your location, meaning your usual coverage could look different while you're away from home.

In those situations, some viewers use a virtual private network (VPN) to access their streaming accounts while traveling. A VPN encrypts your internet connection and routes it through a server in another location, which may help you securely sign in to your streaming services while on the go.

New to VPNs? Getting started is relatively simple:

• Choose a VPN service, such as NordVPN, and follow the setup instructions
• Select a server location that matches your home country
• Open your streaming app and log in as usual

Don't miss the PGA Championship this weekend

Whether you're watching on ESPN, CBS, Paramount+ or streaming on the go, there are several ways to follow the 2026 PGA Championship live from Aronimink Golf Club.

With top players like Scottie Scheffler and Rory McIlroy in the field, golf fans will have plenty of storylines to follow throughout the tournament weekend.

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We test and review VPN services in the context of legal recreational uses. For example:1. Accessing a service from another country (subject to the terms and conditions of that service).2. Protecting your online security and strengthening your online privacy when abroad.We do not support or condone the illegal or malicious use of VPN services. Consuming pirated content that is paid-for is neither endorsed nor approved by Future Publishing.

Apple iPhone owners could receive a payout from a proposed $250 million class-action settlement tied to allegations that Apple overstated the availability of certain AI-powered Siri features while marketing the iPhone 16 lineup.

The lawsuit (PDF) alleged that Apple promoted advanced Apple Intelligence features before some of the tools were fully available, potentially leading consumers to purchase or upgrade devices based on capabilities that had not yet launched. The claims centered largely on promised Siri upgrades that Apple previewed during its 2024 Worldwide Developers Conference.

Apple denied the allegations and did not admit wrongdoing, but agreed to settle the lawsuit for $250 million pending court approval.

What Apple Intelligence promised iPhone buyers

The advertising at the center of the lawsuit occurred during the 2024 release of the iPhone 16 lineup, when Apple promoted its "Apple Intelligence" software features alongside the new devices. The company said the AI-powered Siri upgrades would deliver more personalized responses, deeper app integration and greater contextual awareness.

In a March 2025 statement to Daring Fireball, Apple spokesperson Jacqueline Roy said the company had been working on a "more personalized Siri, giving it more awareness of your personal context, as well as the ability to take action for you within and across your apps."

However, Roy also acknowledged that the rollout was taking longer than expected. She said Apple anticipated releasing the features "in the coming year."

Why consumers say they were misled

The lawsuit alleges that some consumers upgraded their phones specifically to access the advertised AI tools, even though some of the features hadn't fully launched following the iPhone 16 release.

Part of the controversy centered on Apple’s use of the phrase "Available Now" on its Apple Intelligence webpage. Some consumers said the wording created the impression that all advertised features were immediately accessible when the phones launched.

The National Advertising Division later recommended that Apple discontinue or modify the claim, finding that the disclosures and disclaimers were not sufficiently clear to avoid potential confusion. Apple subsequently removed the "Available Now" language from the Apple Intelligence page.

Which iPhone owners could qualify for money

Approximately 37 million devices purchased in the United States are included in the proposed class-action settlement. Eligible devices purchased between June 10, 2024, and March 29, 2025, include:

• iPhone 16
• iPhone 16 Plus
• iPhone 16 Pro
• iPhone 16 Pro Max
• iPhone 15 Pro
• iPhone 15 Pro Max

How much money could eligible Apple users receive?

Apple users who purchased one of the eligible devices during the covered period could receive a payment of at least $25 under the proposed settlement. Depending on how many claims are filed, payouts could reportedly reach as much as $95 per device.

The settlement still requires court approval, and a deadline for filing claims has not yet been announced.

How Apple users might need to file a claim

Apple customers who could qualify for the settlement are expected to receive notice by mail or email with instructions on how to file a claim. According to Clarkson Law Firm, which represents plaintiffs in the case, additional settlement details and a dedicated claims website are expected to be released if the agreement receives final court approval.

Claim requirements have not yet been finalized. Consumers might need to provide proof of purchase for a qualifying device, though the final process could also include Apple ID or device verification.

For updates on eligibility, deadlines and filing instructions, consumers should monitor official settlement communications and the Clarkson Law Firm website as more information becomes available.

Why this lawsuit matters beyond Apple

Companies are racing to advertise AI features to appeal to customers and drive sales, but in some cases, they're doing so before those features are fully developed. Such advertising might contain false promises, which consumers only discover after they've purchased the product. These advertising practices are drawing increased scrutiny from regulators and consumers.

Before upgrading a phone or other device for AI features alone, it might be worth evaluating which capabilities are currently available vs which ones are expected to launch later. Waiting for real-world reviews and user feedback can also help buyers better understand how useful those features are in everyday use.

Keep in mind that AI features could continue changing after a launch, so it could be some time before you have access to the full suite of features a brand advertised.

What Apple users should do now

If you believe you might be eligible for an Apple AI lawsuit payout, watch your mail or email for official settlement notices with instructions on how to file a claim. You can also monitor updates and additional case information on Clarkson Law Firm's Apple Intelligence lawsuit page.

Review your eligible devices and gather any records that could help verify your purchase or activation, such as receipts, order confirmations or Apple ID account information.

Keeping those details organized now could make it easier to file a claim once the settlement process officially opens and deadlines are announced.

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For years, conversations about the trillions in household spending that flow through everyday purchases have included what is often called the "pink tax." That's been shorthand for the idea that similar products can cost more when marketed to women: think personal care items (like a pink vs. blue razor).

But historically, those differences have not always been easy for consumers to see or compare in real time. They were typically identified through comparisons or broader studies after the fact.

Now, as Mother’s Day spending is projected to reach $38 billion this year, a different pricing system is changing how those disparities can appear.

As retailers increasingly use dynamic pricing, the question is shifting from whether prices vary to how they are determined and how visible that process is to shoppers.

Beyond the pink tax: How product pricing is changing

To start, it helps to know what the pink tax is.

The pink tax usually means higher prices on products marketed to women. The term is also used to refer to sales taxes on menstrual products like tampons and pads. Even though they’re essential, many states still tax them while exempting items like groceries and medicine.

And, because men typically don’t pay the same high prices for personal care items, the added cost of certain products merely because they are traditionally marketed to women has been dubbed "the pink tax."

But it's important to note that the pink tax and dynamic pricing aren't the same. They do, however, raise a similar problem: price differences that are difficult for consumers to see or verify.

• Both involve pricing differences that are difficult for consumers to detect, compare, and evaluate in real time, even though the underlying mechanisms differ.
• The pink tax is rooted in product-level variation across categories, and dynamic pricing emerges from data-driven systems that adjust prices algorithmically.

How algorithmic and surveillance pricing work

Dynamic pricing can adjust prices based on factors like demand, timing, and inventory levels. Another term you might have heard, “Surveillance pricing,” incorporates behavioral data, e.g., browsing patterns, shopping frequency, or location.

• Retailers can use signals like whether a shopper is logged in, how often they purchase, which device they use, how long they browse, and whether they abandon a cart before checkout.
• Individually, these may seem minor. Together, they may help determine what price a consumer sees at a given moment.

These AI-driven models are now reportedly used in grocery delivery platforms, online retail, pharmacy services, and subscription products, categories that account for a growing share of household spending.

Research from the Brookings Institution suggests companies are increasingly using machine learning to adjust prices on everyday purchases. That can mean different shoppers see different prices for the same item.

Why this matters for household spending

This shift matters less because of who these systems are designed for, and more because of how household spending is often structured.

Data from the U.S. Bureau of Labor Statistics show that women continue to spend more time on unpaid household labor and caregiving than men. In practice, that often translates into greater responsibility for routine purchasing decisions.

• Consumer research finds that women play a major role in household purchasing decisions, with estimates often placing their influence at around 70% to 85%, depending on the category.
• With total U.S. consumer spending at roughly $18 trillion annually, according to the Federal Reserve Bank of New York, that represents trillions of dollars flowing through everyday purchases.

Much of that spending is on everyday items — groceries, household basics, personal care, kids’ products, and subscriptions — where these pricing systems are common. As a result, the effects can vary depending on who does most of the shopping, even without direct targeting.

So are women disproportionately impacted?

Dynamic and surveillance pricing systems don’t seem to explicitly target specific consumer groups, and there isn’t yet clear evidence that these systems deliberately set prices differently for men versus women.

The concern is more indirect: because women are more likely to make routine household purchases, they may encounter these pricing systems more frequently and across a wider range of categories.

That has led some policymakers and consumer advocates to question whether data-driven pricing could, in practice, replicate patterns similar to the pink tax.

Lawmakers and regulators are starting to respond

The Federal Trade Commission (FTC) has increased scrutiny on how companies use consumer data in pricing, focusing on whether consumers are clearly informed when data influences the prices they see.

At the federal level, some lawmakers have introduced proposals to limit the use of personal data in algorithmic or individualized pricing, including the Stop Price Gouging in Grocery Stores Act and the Preventing Algorithmic Collusion Act of 2025.

These proposals reflect concerns about transparency and the role of automated pricing systems, though most remain in the early legislative stages.

At the state level, some lawmakers are beginning to explore limits on how consumer data can be used in pricing, particularly in essential goods like groceries.

Maryland, as Kiplinger has reported, recently enacted a first-of-its-kind surveillance pricing law limiting how retailers can use personal data to set individualized prices in grocery stores.

In a press release announcing the Protection from Predatory Pricing Act, Gov. Wes Moore stated, "At a time when Marylanders are already stretched by the rising cost of groceries, housing, and everyday necessities, we must ensure that new technologies are not used to drive up the bill for working families."

Dynamic pricing: What you can do

• Compare prices across devices or sessions, since browsing history can influence what is shown.
• Track prices over time. Changes may reveal patterns not visible in a single visit.
• Pay attention to the total cost, including fees and add-ons.
• Consider retailers that are clear about how pricing works on their site.

And while the pink tax hasn't disappeared, more than 25 states have adopted measures addressing gender-based price differences.

Now, as you shop, maybe for Mother’s Day, there’s even more to consider since pricing systems can adjust in real time based on consumer data.

Those small differences, which can add up over time, are harder to detect, explain, and verify. So stay tuned.

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For the fourth year, we're pleased to present the winners of our annual Readers' Choice Awards. In a survey we conducted on Kiplinger.com in January and February, more than 4,200 readers rated the financial products and services they use in 13 categories, from credit cards and banks to brokers, wealth managers and annuity providers. The results here offer valuable insight into the everyday experiences that Kiplinger readers have with their financial providers.

Respondents made their judgments on such criteria as their interactions with customer service, the likelihood they would recommend the product or service to others, and their overall satisfaction with it. They also had the option to leave comments about their providers, and we have shared some of them here (remarks may be lightly edited for length and clarity).

For each category, we've listed an overall winner that earned the highest total score as well as other providers that earned above-average ratings for the various criteria that readers assessed. Our thanks to all of you who participated in the survey.

Kiplinger Readers' Choice Awards: Peer-to-Peer Payment Services

Peer-to-peer payment services make it easy to send and receive money among friends and family members from your smartphone. We asked readers to weigh in on their preferred payment app, based on ease of use, the likelihood they would recommend it to others and their overall satisfaction with the service.

OVERALL WINNER: Cash App

Outstanding for:

• Ease of use
• Most recommended
• Overall satisfaction

Cash App unseated the reigning peer-to-peer champion, Apple Cash, this year, receiving outstanding scores across all criteria we asked about. Survey respondents were satisfied with how simple the app is to use as well as the "quick and easy payments."

Most peer transfers are free, but you’ll pay a 3% fee if you use a credit card as the payment source. When you move money from your Cash App balance to your external bank account, standard transfers of one to three business days are free; you’ll pay a fee of up to 2.5% for an instant transfer.

Cash App also offers financial services such as direct deposit of your paycheck to your account, a high-yield savings option and a debit card tied to your Cash App balance.

Highly-Rated Providers

Zelle

Outstanding for:

• Ease of use
• Most recommended
• Overall satisfaction

Kiplinger readers overwhelmingly praised Zelle for its convenience. Built into the apps of many major banks, Zelle is easy to access without downloading a separate app. Survey respondents also appreciated that there aren't fees for sending or receiving money, which arrives directly in the recipient’s bank account within minutes.

Apple Cash

Outstanding for:

• Most recommended
• Overall satisfaction

Apple Cash was a three-time overall winner in past years, and it still earned high scores from our readers this year. "Easy, secure," says one reader. "Love that it links to a bank account and that I can use it to pay at stores."

Kiplinger Readers' Choice Awards Categories

• Readers' Choice Full-Service Brokers*
• Readers' Choice Wealth Management
• Readers' Choice Cash Back Credit Cards*
• Readers' Choice Airline Credit Card Rewards Programs*
• Readers' Choice National Banks*
• Readers' Choice Internet Banks*
• Readers' Choice Auto Insurance Companies
• Readers' Choice Homeowners Insurance Companies
• Readers' Choice Annuity Providers*
• Readers' Choice Tax Software*
• Readers' Choice Peer-to-Peer Payment Services
• Readers' Choice Awards Travel Rewards Credit Cards*

How Readers Chose the Winners

Kiplinger readers were invited to take the Readers’ Choice Awards survey on Kiplinger.com between January 22 and February 19, 2026. The survey asked respondents to choose the financial product or service that they most frequently use in 13 categories: brokerage firms, wealth managers, IRA providers, cash-back credit cards, travel rewards credit cards, airline credit card rewards programs, national banks, internet banks, annuity providers, homeowners insurers, auto insurers, tax software Kiplinger readers were invited to take the Readers' Choice Awards survey on Kiplinger.com between January 22 and February 19, 2026. The survey asked respondents to choose the financial product or service that they most frequently use in 13 categories: brokerage firms, wealth managers, IRA providers, cash-back credit cards, travel rewards credit cards, airline credit card rewards programs, national banks, internet banks, annuity providers, homeowners' insurers, auto insurers, tax software and peer-to-peer payment services.

We asked readers to rate each provider they selected on a scale of one to 10 based on a few criteria. In many categories, readers rated the strength of customer service, how likely they would be to recommend the product or service to others, and how satisfied they are overall with the provider. In some categories, we included more nuanced criteria. With wealth management firms, we asked respondents to rate the trustworthiness of a firm's advisers and the quality of its financial advice and retirement-planning services. For IRA providers, respondents assessed the mix of investment choices available to them. For peer-to-peer payment apps and tax software, respondents evaluated ease of use, and for auto and home insurance companies, readers judged the competitiveness of rates and strength of the claims experience.

We calculated an average (mean) score for each criterion with each provider. We also calculated an overall mean score for all providers for each criterion we asked readers to judge. We compared individual provider mean scores with the overall mean, and the three highest-scoring providers that had a score above the overall mean won an "outstanding" accolade; in cases of a tie, more than three providers are named, and if fewer than three qualifying providers achieved an above-average score, only those providers are named "outstanding." In each category, providers are generally listed in descending order by the number of criteria for which they received the "outstanding" designation — so a product or company that is deemed "outstanding" in three areas, for example, is listed before a provider with one or two "outstanding" awards.

To choose an overall winner in each category, we added together the mean scores for each criterion rated for each product or service. The provider with the highest total score in each category took the prize for overall winner.

*Because of a technical issue during the 2026 survey data collection, some providers that readers evaluated in certain categories, marked with an asterisk, were ranked using patterns from the 2025 consumer survey data.Affected were three of 18 brokerage firms, six of 20 cash-back credit cards, two of 15 travel rewards credit cards, one of 13 airline credit card rewards programs, three of 33 banks, two of 14 annuity providers, and one of eight tax-software products. All other categories fully reflect 2026 data. All results represent actual Kiplinger reader feedback.

Your trip to the grocery store might soon look different. Proposed bills in several states might change the way that stores are able to use self-checkout lanes. If you're a fan of the speed and convenience these checkouts offer, you might find them subjected to some extra regulations soon.

States are implementing new self-checkout rules in an attempt to reduce retail theft. Ohio Senate Bill 415, introduced in April, would implement several requirements on self-checkouts. If passed, the bill would require stores to offer at least one staffed checkout, have at least one employee supervising each three self-checkouts and limit customers using self-checkouts to 15 items.

The Ohio bill is just one example of the broader push to regulate self-checkouts. Across the country, lawmakers are exploring similar measures, including banning alcohol purchases at self-checkout, capping the number of machines stores can operate and tightening oversight of how they’re used.

Why lawmakers are targeting self-checkout now

The introduction of these new self-checkout rules is primarily driven by retail theft concerns. A 2025 Lending Tree study found that 27% of self-checkout customers had purposefully taken an item without scanning it, and 69% of people believe that self-checkouts make stealing easier.

Data from Capital One supports that concern, showing theft can be up to 65% higher at self-checkouts compared to staffed lanes. The report also estimates that 36.3 million Americans have stolen items at self-checkout, with nearly 20 million saying they would do it again. Not all incidents are intentional — about 36% are accidental, such as when an item fails to scan.

It can also be argued that self-checkouts have negative impacts on staffing and the customer experience. A report by the Harvard Kennedy School reviewed data collected from over 14,000 workers in the United States and found that significantly more workers reported their stores were "always" or "often" understaffed when their stores utilized self-checkout. That suggests some retailers may rely on the technology to reduce staffing levels.

When most checkout options are self-service, the experience can suffer — especially if the store is understaffed and assistance isn’t readily available.

Other states considering similar rules

Ohio isn’t the only state considering self-checkout rules; California, New York, Massachusetts, Connecticut, Rhode Island and Washington are all reviewing similar proposals, many of which seek to implement similar restrictions:

• Item limits: Many proposals would cap self-checkout purchases at 10 to 15 items.
• Staffing ratios: Several bills seek to implement staffing ratios, such as requiring stores to have at least one employee assigned to every three self-checkouts.
• Self-checkout caps: Some states, including Connecticut, Rhode Island and Massachusetts, are considering limits on the total number of machines a store can operate — often no more than eight at a time.

Retailers are already making changes

Some retailers have already started to make changes. Stores have begun limiting the number of items at self-checkouts, creating express lanes for a smoother customer experience. For example, Target set a 10-item limit on self-checkouts. Some stores are limiting self-checkout usage or adding staff to better support customers.

There’s also been a shift back toward hybrid checkout models. These setups combine self-checkout lanes with a stronger staff presence, where employees actively monitor multiple stations, assist with scanning issues and step in to complete transactions when needed. In some stores, staff may even handle part of the checkout process for you while you bag items.

This approach gives customers quicker access to help while still maintaining the speed and convenience of self-service, without relying entirely on self-checkout technology.

What this means for your next grocery trip

If these rules pass, your next trip to the store could look a little different. More staffed checkout lanes may help ease long lines, but if retailers are limited in how many self-checkouts they can offer, wait times could increase again.

You might see less flexibility at self-checkouts, including caps on the number of items you can purchase. In some states, you might be required to go to a traditional checkout to buy certain products, like alcohol.

Limits on the number of self-checkout stations could also reshape store layouts, especially in locations that have heavily invested in them. Traditional registers may make a comeback, and retailers may need to hire more staff to support them.

Self-checkout isn't disappearing — but it is changing

Self-checkouts offer clear convenience for retailers, but that efficiency can come at the cost of control. If these bills become law, expect tighter oversight and more structured use, not a full rollback. In other words, self-checkout isn’t going away, but it will likely operate with more rules, more staff involvement and fewer free-for-all experiences.

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A home sale falling through can be frustrating and discouraging, especially after you've already started planning your next move. With homes sitting longer on the market and more deals falling through due to financing hiccups, inspection surprises or buyer cold feet, many sellers are finding themselves back at square one.

But relisting isn't just about putting your home back online and hoping for a better outcome. In today's market, buyers are more cautious, and listings get scrutinized quickly. The good news?

A thoughtful reset can put you back in a strong position. Here's how to relist your home strategically and improve your odds of getting to the closing table this time.

Why relisting without changes rarely works

It's tempting to relist your home exactly as it was and wait for a different buyer. But most of the time, that approach backfires.

Buyers (and their agents) can see a property's history through the multiple listing service (MLS), including how long it was on the market and any price changes. If your home returns to the market unchanged, it can raise red flags, making people wonder what went wrong the first time. Instead of a simple relaunch, think of your relisting as a reset.

That means addressing past issues, adjusting your strategy and presenting the home in a fresh way.

Start with a post-mortem on what went wrong

Before you relist, take a step back and assess what caused the deal to fall through.

Common reasons can include:

• Financing issues or loan denials
• Low appraisal values
• Inspection problems
• Buyer remorse or contingency withdrawals

Talk with your agent and review feedback from showings, inspection reports and the buyer’s objections. This step is key because new buyers will likely ask the same question: Why didn’t it sell?

Having a clear, honest answer along with proof that you've addressed any issues can build trust and prevent repeat problems.

Use the Bankrate tool below to explore and compare some of today's top mortgage offers:

Reset your price for today's market

One of the biggest mistakes sellers make when relisting is sticking too closely to their original price, even when the market has clearly shifted. If your home didn't sell the first time, pricing is one of the first areas to revisit.

Start by looking at what's happening right now, not when you first listed. Are similar homes reducing their prices? Are new listings coming in lower to attract attention? Even small changes in interest rates or buyer demand can impact what buyers are willing (and able) to pay.

When a home is relisted, a strategic price adjustment is often key to success. That doesn’t always mean a drastic cut, but it does mean pricing with intention. For example, listing just below a common search threshold, like $399,000 instead of $405,000, can help your home appear in more buyer searches and generate fresh interest.

It’s also important to think in terms of momentum. A well-priced home can attract multiple showings quickly, which may lead to stronger offers and better negotiating power.

On the flip side, pricing too high can cause your listing to sit again, reinforcing the perception that something is off.

Fix the issues that killed the deal

If an inspection derailed your previous sale, don't ignore it. Address known issues upfront, whether that's repairing a roof, updating electrical systems or resolving plumbing concerns.

You may also want to consider a pre-listing inspection so there are fewer surprises this time around.

Being proactive helps reduce the risk of another deal falling through and gives buyers more confidence when making an offer.

Refresh how the home shows online and in person

When you relist, your goal is to make the home feel new again, especially to buyers who may have already seen it before.

Start with your online presence. Updated, high-quality photos can make a big difference, particularly if your original listing had poor lighting or didn’t highlight your home’s best features. Small tweaks like brighter rooms, cleaner spaces and better angles can completely change how the home is perceived in search results.

From there, focus on the in-person experience. Decluttering, light staging and simple upgrades like fresh paint or landscaping can help buyers picture themselves living in the space. Even minor improvements can shift a buyer’s first impression from "this needs work" to "this feels move-in ready."

Consider switching agents or strategy

If your home didn’t sell the first time, it’s worth taking an honest look at your approach, and that includes your agent. A different agent can bring a fresh perspective, especially one who has experience relisting homes or handling expired listings. They may suggest a different pricing strategy, new marketing channels or ways to better position your home against current competition.

Even if you stick with the same agent, your strategy should evolve. That might include rewriting the listing description, expanding marketing efforts (like social media or targeted ads) or adjusting how showings are scheduled and managed.

How to get to the closing table this time

Once you accept an offer, the focus shifts to protecting the deal all the way through closing which is something that's become more important as more transactions fall apart.

Start by looking closely at the buyer's financial strength. A strong pre-approval, a solid down payment and fewer contingencies can reduce the risk of delays or cancellations.

From there, stay engaged during key milestones. Be responsive during the inspection process, open to reasonable repair requests and be prepared for potential appraisal gaps. Flexibility can go a long way in keeping negotiations on track.

Finally, keep communication open between all parties, including your agent, the buyer’s agent and the lender. Many deals fall through due to avoidable misunderstandings or slow responses.

The smoother you can make the process, the better your chances of making it to the finish line this time.

A failed home sale can feel discouraging, but it’s increasingly common in today’s market. The upside? Relisting gives you a second chance to correct course. With the right mix of pricing, presentation and strategy, you can turn a setback into a successful sale.

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If you've ever found yourself Googling "What time is the race?" at 6 a.m. with coffee in hand, welcome back. It is Formula 1 season.

Racing season is a chance to follow some of the fastest drivers in the world as they compete across a global stage. The 2026 calendar is packed with high-speed weekends and is shaping up to be one of the longest seasons yet, with stops from Miami to Monaco to Las Vegas.

But this year, there is a major shift off the track: how you watch. Gone are the days of flipping between cable channels. In the U.S., Formula 1 now lives in one place. Here is what to know about when and how to watch, and what it could cost you.

How to watch F1 racing in the U.S.

For the 2026 season, Formula 1 coverage in the U.S. is exclusively available through Apple TV.

That means every session, practice, qualifying, sprint races, and the Grand Prix streams live in one place. This is a major shift from previous years, when races aired across ESPN and ABC. Now, the entire race weekend is centralized, with fewer logins and less channel-hopping.

You can also still use the F1 TV app, but it now works as a companion, with premium live features bundled into your Apple TV subscription.

Apple TV+ is available on its own or included in the Apple One bundle. Subscribing to Apple One gives you Apple TV+ along with other services like Apple Music and iCloud.

Compared to the previous standalone F1 TV price (around $129 annually), the new setup comes in cheaper and includes access to Apple's broader library of shows, movies and live sports.

2026 Formula 1 racing schedule

Here's a simplified look at key race weekends for the 2026 season:

The full calendar features 24 race weekends, making it one of the longest seasons in F1 history.

Thinking about catching a race in person? You can explore official ticket packages through Grand Prix Events. For additional options, check availability on resale marketplaces like SeatGeek or StubHub.

How to watch Formula 1 while traveling

If you're traveling during the Formula 1 season, you may still be able to stream races through your existing subscription. Streaming services sometimes limit content based on your location, which means your usual access may not work the same way when you're not at home.

In those situations, some viewers use a virtual private network (VPN) to access their streaming services while connected to the internet away from home.

A VPN works by encrypting your internet connection and routing it through a server in another location. This can help protect your online activity and may allow you to sign in to your streaming accounts as you normally would.

New to VPNs? Getting started is relatively simple:

• Choose a VPN service, such as NordVPN, and follow the setup instructions
• Select a server location that matches your home country
• Open your streaming app and log in as usual

This can be a helpful option for frequent travelers who want to keep up with race weekends while away.

How to watch F1 this season without missing a race

Formula 1's move to streaming marks a turning point for how fans watch the sport. With all races centralized on Apple TV, a lower annual cost than previous setups and added flexibility for watching on the go, the experience is more streamlined, even if it takes some getting used to.

If you're planning to follow the 2026 season, getting set up now means you won't miss a lap.

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We test and review VPN services in the context of legal recreational uses. For example:1. Accessing a service from another country (subject to the terms and conditions of that service).2. Protecting your online security and strengthening your online privacy when abroad.We do not support or condone the illegal or malicious use of VPN services. Consuming pirated content that is paid-for is neither endorsed nor approved by Future Publishing.

You’re checking out online and see the message: "Add $10 more to get free shipping." You’re in the grocery aisle debating a buy-two-get-one-free cereal deal.

In both cases, the offer nudges you to spend more than you planned.

That behavior has a name: "spaving", or spending more money now to save money later. While it can feel as if you’re getting a deal, those extra purchases often add up quickly.

What seems like a smart move in the moment can quietly drain your budget over time. Understanding how spaving works is the first step to spotting it and avoiding it.

What is spaving?

Spaving is the act of spending more money now in an effort to save money over time. For example, you might plan to spend $50 at a store, but after seeing an offer for a free $50 gift card if you spend $100, you double your purchase to qualify for the deal.

The concept itself is not new. Shoppers have been influenced by promotions and thresholds for years, but spaving gives a name to a common habit that can quietly undermine your budget. This behavior isn’t new; it’s just newly labeled.

Why 'spaving' can actually cost you more

When you spend more to get a deal, you might feel as if you came out ahead, but spaving can cost you more. Let's say that you were ordering $50 worth of items from an online retailer that offered free shipping on orders of $75 or more. To get the free shipping, you had to buy $25 more than you were planning to.

In this instance, you spent an extra $25 to get free shipping, but chances are you didn't actually save — you spent more than you would have paid for shipping. You also ended up with some items that you didn't necessarily plan to buy.

Psychological factors contribute to spaving. You might spend more because of fear of missing out on a great deal. Many websites now feature prompts that encourage the behavior, such as "Only $10 more until free shipping" prompts when you check out.

Retailers design these thresholds intentionally to drive sales and maximize the value of each order. Those deals aren’t designed to benefit you, but to increase the retailer’s sales and profits.

The most common spaving traps

As you shop, be on the lookout for these common spaving traps:

• Free shipping minimums: It’s easy to get trapped in the idea that you have to spend just a little more to get free shipping, but that temptation can cause you to overspend.
• Buy one, get one deals: These offers might be tempting, but unless you actually need both products, they may not be worth it. You might save more by waiting for a single item to go on sale.
• Spend X, save Y promotions: When retailers give you a threshold to meet to save money, it encourages you to spend more than you planned. These promotions are only good deals if you were already planning to spend that amount.
• Free trials: Many free trials might seem appealing, but they typically turn into subscriptions. It can be difficult to keep track of subscriptions, and the price often increases after an introductory period, so you might spend more than you expected.

When spending more actually does make sense

Spending more can make financial sense in certain situations. If you're buying bulk essentials that you'll use, then buying in bulk or spending a little more to get a deal can help you save, since those products won't go to waste.

Annual subscriptions that are discounted compared to what you would pay monthly can also make sense, as long as you're confident you'll use the subscription for the entire year. If you're trying a new subscription, then choosing the monthly rate until you're confident you’ll keep the service for the whole year is the safer bet, even if it costs a bit more.

Spending more on higher-quality items that last can also make financial sense. If you're buying a cheaper product, such as a cheaper blender, but it only lasts for a few months, a more expensive blender that lasts for years will ultimately be the better buy.

How to stop spaving and actually save

These tips can help you stop spaving and save your money:

• Use a 24-to-48-hour rule: When shopping online, don't check out immediately. Instead, leave items in your cart for 24 to 48 hours. That extra time allows the initial excitement to fade, so when you return, you can better decide whether you want and need those items.
• Calculate your total spend: It's easy to justify a larger purchase when you're focused on the savings, but look at your total spend instead. Focusing on what you're spending can put the purchase in perspective and help you decide if it's truly a good deal.
• Shop with a list: Sticking to a list of items you need can help keep you focused, so you're less likely to browse, discover new items and make impulse purchases. This is especially true when shopping online.
• Turn off your deal alerts: Retail notifications and deal alerts can tempt you to buy items you would not have otherwise purchased. Turning them off removes that extra nudge to spend.
• Set a shipping rule: Set a "free shipping is not free" rule. Remind yourself that retailers set these thresholds to increase your total spend, not to help you save. Commit to not adding extra items just to qualify for free shipping.

How to spot spaving before it costs you

Spaving is not about making bad decisions, but about subtle ones that can add up over time. Paying close attention to your spending habits and taking a closer look at so-called deals can help you spot when extra spending doesn't make financial sense.

If you weren't planning to buy an item before the deal, you're not actually saving. You're spending more, and you might regret it later.

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Maryland is set to become the first state to ban surveillance pricing as the legislature passed the Protection From Predatory Pricing Act this month. Introduced by Gov. Wes Moore in January, the act aims to prevent grocers and third-party apps like delivery services from using surveillance data and dynamic pricing in Maryland grocery stores. It also imposes steep penalties for businesses caught engaging in these practices, including a first-time fine of up to $10,000.

"Marylanders deserve to know that the price they see on the shelf is the price they will pay at the register," said Moore in a press release. "At a time when Marylanders are already stretched by the rising cost of groceries, housing, and everyday necessities, we must ensure that new technologies are not used to drive up the bill for working families."

The act will take effect on October 1 this year. If you're unfamiliar with the practice of surveillance pricing and how it could be making your groceries more expensive, here's a breakdown of how it works and how you can prevent it from raising the costs of the goods or services you buy.

What is surveillance pricing?

Surveillance pricing is the practice in which companies use your personal data to assess how much you would be willing to pay for an item. The data can include your location, browsing history, demographics, searches you make on search engines and more.

The Federal Trade Commission conducted a study into the practice and found that anything from mouse clicks to items you left in a shopping cart to purchase later could influence how much you'll be charged for these items. Companies will also look at the urgency of what you're searching for, such as last-minute flights.

Why do companies use this? While increasing revenue is the core focus, they also use this data to respond to supply and demand. Rideshare companies like Uber change pricing as demand ebbs and flows. Further, companies use it for inventory control to ensure goods and services are sold before they lose value. They can also use this data to undercut competitors or price-match with them on items.

Are there ways to stop surveillance pricing?

Yes, there are several ways you can prevent paying more for items:

• Delete cookies and cache regularly: This removes the tracking data companies use to determine pricing
• Use a virtual private network (VPN): VPNs mask your location data, which makes it difficult for retailers using dynamic pricing algorithms to raise prices
• Be wary of loyalty programs: These programs are ways retailers access your data to determine your shopping habits. The more data they have on you, the more likely they are to predict what you are going to buy, when and how much you're willing to spend.
• Shop with different devices: Before buying online, use your mobile phone and your computer, since prices can differ on each.
• Don't make repeated searches: If you're looking for a last-minute flight, chances are you're going to visit airline and travel deal websites to find the best deals. The only problem is that retailers can follow your searches, seeing your urgency and providing prices reflective of this. If you want to compare shops, use different browsers to do so.

What's next for surveillance pricing bans

Ultimately, Maryland is the first state to try to fight the practice. Did the act go far enough? Consumer Reports doesn't think so.

In response to the legislation, they said, "While it's encouraging to see the Maryland legislature take up this issue, this bill has loopholes that will limit its real-world impact. We urge other state legislatures considering personalized pricing legislation to build in stronger consumer protections and avoid loopholes that weakened this bill."

Some of these loopholes include exempting pricing associated with loyalty programs, and that consumers cannot sue companies engaged in surveillance data. The only person who can sue companies is the Maryland attorney general. Even then, they are required to notify companies and give them 45 days to fix violations. If they comply, no further legal action is required.

At least a dozen states are also considering legislation against dynamic pricing. Pennsylvania recently introduced a bill that would ban retailers from changing prices on essential goods within 24 hours. Other states considering legislation are Arizona, Florida, Hawaii, Oklahoma, Kentucky, Nebraska, Tennessee, Illinois, Vermont, Virginia and Washington. New York passed the Algorithmic Pricing Disclosure Act, requiring businesses to disclose when they use algorithms to set prices.

Overall, your best bet against dynamic pricing is to create layers of protection separating you from their algorithms. Use private browsing as often as you can, don't use loyalty programs unless it's necessary and alternate your searches between mobile and computer. Doing these things can help you pay fairer prices.

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It's not unusual for tech companies to drop certain features or types of support for aging tech. Netflix dropped support for older devices recently itself. At a certain point, the older hardware just can't run modern software. But, typically, the old device is still functional. It just won't be able to do some of the things that newer models can do.

But the latest news from Amazon looks like it could be a bigger deal than that. In May, anyone with a Kindle built before 2013 will no longer have access to the Kindle Store, Kindle Unlimited or the "send to Kindle" service — potentially rendering the device all but useless.

Here's a look at what support is going away, what it means for how you use your pre-2013 Kindle and whether or not you're going to have to upgrade.

Which Kindle features are going away and which devices are affected?

According to a customer service page on Amazon, the tech giant will end support next month for the following devices:

• Kindle 1st Generation
• Kindle 2nd Generation
• Kindle DX
• Kindle DX Graphite
• Kindle Keyboard (3rd Generation)
• Kindle 4
• Kindle Touch
• Kindle 5
• Kindle Paperwhite 1st Generation

On May 20, anyone with one of those devices will no longer be able to buy, borrow or download new books from the Kindle Store or Kindle Unlimited.

You also won't be able to buy or borrow books through the Kindle Store on another device and then use "send to Kindle" to transfer them to your device.

Anything currently downloaded to your device will stay there after the May 20 cutoff date. And you'll still be able to buy and access books in your Kindle library from other devices.

Can you keep using your older Kindle anyway?

Without the ability to get new books directly through your older Kindle or use "send to Kindle" to transfer them from another device, it's possible those with older devices might be left with no way at all to get new books onto their Kindle.

According to an Ars Technica article from last year, Amazon discontinued the "download & transfer via USB" feature for all Kindles regardless of age in February 2025. The feature was originally intended for customers with older Kindles that weren't Wi-Fi enabled to download books from the Kindle Store to their computer and then transfer them to their device via USB.

If that feature truly is gone for all devices, you will have no way to get a new book onto your older device after "send to Kindle" disappears. You should test this out before the May 20 deadline to see if you are still able to transfer books via USB from another device over to your Kindle.

If you can't, your older Kindle will only be usable for personal files that you can download and transfer. That can include PDFs, ePub files and other compatible formats that you download from elsewhere on the web, but likely excludes a lot of copyright-protected eBooks.

Should you buy a new Kindle?

Given how limited the functionality of your older Kindle will likely become next month, you might be better off replacing it. The good news is, if you have a device this old, you could upgrade to a newer but still used Kindle rather than springing for the latest (and priciest) model.

You might want to upgrade to something a few years newer than what you have, though. It's possible that Amazon will continue dropping support for older models as the years go by.

Upgrading from a 2012 to a 2013 model might only buy you a couple more years of device support. But upgrading from a 2012 to, say, a 2020 Kindle will likely buy you a lot more time before you're forced to upgrade again — and you're still taking advantage of used pricing.

What about Libby or similar library apps?

If you use Libby to borrow ebooks from your library, you've likely been enjoying the convenience of the "send to Kindle" feature in the app. So far, it seems like you'll lose that ability to send the books you borrow to your Kindle.

In this case, you will most likely need to upgrade to a newer Kindle or another ereader to maintain access to your borrowed ebooks.

If Libby is your main source of ebooks, consider a Kobo ereader. Many of the newer models come with built-in OverDrive support (the classic version of Libby) so you can browse and borrow library books directly from your ereader.

You can also install the Libby app directly on the Amazon Fire tablet (or any tablet that runs on Android or iOS), though you won't have the e-ink screen or the distraction-free experience of an ereader.

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Many older Americans are feeling deja vu as they watch energy prices rise in response to the Iran conflict. For those who lived through the 1970s and remember the spiraling inflation, soaring energy prices and increasingly unaffordable homes, today's economy looks eerily similar.

Here's a closer look at the parallels between the economy Americans are facing today and the one older generations dealt with over 40 years ago.

Unless otherwise noted, the data for this story came from the Federal Reserve Bank of St. Louis, the Bureau of Labor Statistics and the Census Bureau.

Comparing the economic aftermath of the 1979 Iran oil crisis with the one we're facing now

The 1979 Iran oil crisis came in the midst of a cost-of-living crisis that had gripped the nation for most of the 1970s. The steep drop in oil production following the revolution sent crude oil prices soaring from $14.85 to $39.50 per barrel. Prices didn't drop back into the teens until 1986.

The ripple effects will feel familiar to many Americans: Gas prices soared. Utility bills shot up. Inflation got worse. After topping 11% by 1974, inflation had started to ease, but by 1979 it was back above that level and peaked at 13.5% by 1980.

Fast forward to today, and you can see a similar story unfolding. In December 2025, a barrel of oil was selling for $57.26. By March, that same barrel cost $102.86.

Inflation was already surging before this, shooting from 1.23% in 2020 up to 8% by 2022. After dipping below 3% in 2024, it's now back above that threshold, hitting 3.3% as of March. That's almost a full percentage jump over February, when 12-month inflation was 2.4%.

Energy costs are once again a key driver, and their ripple effects across food, housing and other essentials could keep inflation elevated — even if the conflict stabilizes.

Because the situation is still unfolding, the latest data doesn't yet capture the full impact. To put today's trends in context, I'll compare inflation and affordability across similar windows: the six years between the 1973 and 1979 oil crises, and the six years between the 2020 pandemic and today's energy shock.

Transportation

One of the most immediate impacts of any sudden spike in oil prices is a spike in gas prices. According to the Department of Energy, gas prices averaged $0.67/gallon in 1978. After the 1979 revolution, prices nearly doubled to $1.25 by 1980 and continued climbing from there. After adjusting for inflation, that's equivalent to a jump from $3.54 to $5.31.

Today, we've been fortunate with gas prices prior to this recent spike. After peaking at $5 per gallon in the summer of 2022, they've been falling rapidly in the years since, hitting $2.77 in January.

When the conflict with Iran began in February, however, the price at the pump shot up in a matter of weeks, reaching $4.12 by April. That's a nearly 50% increase between February and April.

Just about every aspect of transportation got more expensive as well. From January 2020 to January 2026, car insurance premiums rose about 28%. That stings, but not as much as the 71% surge between 1973 and 1980.

A new car, on the other hand, is significantly less affordable today than it was in the 1970s. The average price ticked above $50,000 for the first time a few months ago and sits at $51,440 as of February, according to a Kelley Blue Book report.

While it's hard to find historical data showing the industry-wide average price of a new car, we can compare today's costs by looking at a model that's been around since the 1970s, the Honda Civic.

In 1972, the very first Honda 600 had a Manufacturer's Suggested Retail Price (MSRP) of $1,415 (about $11,280 in today's dollars). By 1979, a new Honda Civic was priced at $3,649, a 157% increase over the 1972 model. But that's still just $17,260 in today's dollars.

Today, a 2026 Honda Civic with the lowest cost trim available has an MSRP starting at $24,695. That's 43% more expensive than the same car in 1979, when comparing inflation-adjusted prices.

Overall verdict: The speed of inflation when it comes to gas prices and other costs was more rapid in the 1970s. But, when you factor in the cumulative inflation between the 1970s and today, transportation is less affordable today than it was decades ago.

Housing

Another ripple effect of rising oil prices is rising energy prices. In March, the energy index rose 10.9% in a single month, bringing prices up 12.5% year-over-year.

That's not quite as bad as the 1979 oil crisis, when electricity rates spiked 17% by 1980 and natural gas prices shot up 44% between 1978 and 1980, according to the U.S. Energy Information Administration. But we might still have more rate hikes in store for us — though not all related to oil prices.

That 12.5% year-over-year spike comes on top of already inflated energy rates. Since 2020, the average cost of electricity has gone up 25% while natural gas rates surged 42%. This month alone, electricity and natural gas jumped another 6.1% and 6.4%, respectively.

Things get even more expensive when you factor home prices and mortgage rates.

In 1973, Americans could expect to pay a median price of $32,500 to buy a house (about $247,850 today). By 1979, home prices had nearly doubled to $62,900 ($297,570 today).

Between 2020 and 2025, meanwhile, the median home price jumped from $330,900 to $419,200. That's about a 27% price increase, which is definitely a more modest jump from 1973 to 1979. However, when adjusting for inflation, today's homes are roughly over 40% more expensive than they were in 1979.

Mortgage rates complicate the picture. In the 1970s, mortgage rates shot through the roof, jumping from 7.44% in 1973 to 12.85% by the end of 1979.

Mortgage rates technically rose faster between 2020 and 2025, experiencing a 133% increase. But they rose from historic lows of 2.66% in December 2020 to 6.21% by December 2025.

Let's say you're a typical homeowner buying a house with a 20% down payment in each year to get a sense of how home prices and mortgage rates impacted your wallet:

When factoring in interest rates (and adjusting for inflation), 1979 homebuyers had the most expensive mortgage payments, but today's averages are a close second.

Overall verdict: The shift in home affordability looks similar between the 1970s and today’s post-pandemic economy. In both periods, saving for a 20% down payment became more difficult, and the monthly mortgage payment that followed took a bigger bite out of household budgets. Energy costs are also rising again, putting utility bills on a path that could mirror the spikes homeowners faced in the 1970s.

Food

In March, overall food prices were flat month over month and up only 2.7% year over year. Food at home prices actually fell by 0.2% between February and March and are up only 1.9% since last year.

That modest dip isn't enough to translate to major relief for consumers yet. Between 2020 and 2026, overall food prices have surged 32%. So there's a long way to go before food starts to feel affordable again.

Whether or not they remain on that downward trend is up in the air, though. The downstream effect of rising oil prices will also lead to higher costs for food producers in the form of rising fertilizer prices, higher costs for transportation and other operational expenses that are vulnerable to shifting energy prices.

The situation was even more grim in the 1970s. Between the oil embargo in 1973 and the Iranian Revolution at the end of 1979, overall food prices soared 89% for consumers.

Overall verdict: Food prices definitely rose faster in the 1970s than they did today. But the full impact of this recent Iran conflict is still yet to be felt. While we may not see double digit food inflation again, the conflict will likely reverse the downward trend we started to see in March.

Salaries

While costs generally soared faster in the 1970s than they have today, so did salaries. Between 1973 and 1979, the median household income grew 56%, rising from $10,510 to $16,460.

When you adjust for inflation, however, the typical household's buying power actually fell by 2.8%. That $10,510 salary in 1973 is equivalent to $80,151 today. Jump to 1979, and that $16,460 salary is only worth $77,870 today.

Today's households have also seen a decrease in buying power despite nominal increases in wages. In 2020, the median household income was $68,010 (equivalent to $87,055 today). In 2024, the most recent year for which data is available, median income rose to $83,730. When adjusting for inflation, that's a 3.8% decrease in buying power.

As a point of reference, compare those salaries to the typical mortgage payments mentioned in the housing section above.

In 1973, a $181 mortgage payment would have taken just 20% of your gross salary. By 1979, a typical $551 monthly mortgage payment would have already eaten up 40% of your gross salary.

In 2020, a $1,068 mortgage payment would have taken up just 18% of a typical household's gross income. By 2025, the typical $2,056 mortgage payment would account for nearly 30% of a household budget.

Overall verdict: Just like in the 1970s, Americans today are seeing paychecks rise on paper. But they're not growing fast enough to keep up with inflation. In fact, even though inflation was rising faster in the 1970s, the typical household's buying power wasn't falling as fast then as it's falling now.

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For over 50 years, Americans have celebrated Earth Day, taking a day to remember that we have this one planet and should take care of it.

There are lots of different ways to recognize Earth Day, from joining a party at a park to volunteering at a nature clean-up to turning off major appliances for the day. But, we know, it takes more than one day to look out for the planet; we have to develop certain habits and make choices every day to really have an impact.

As an editor at a finance publication, I find the edicts of "green" living fascinating — because so many of them also double as good financial advice. You need to conserve energy overuse in the same way you need to "conserve" overspending, for example, and "reusing" items gives the earth returns in the same sort of way reinvesting dividends and compound interest give you returns.

Plus, many eco-friendly habits also literally save you money. With that in mind, here are five ways I'm celebrating Earth Day, both on April 22 and every day around it, that save me money.

1. Opt for public transportation

I lived in New York City for 15 years, and my favorite part about it was the subway system. Yes, it's grimy underground, but it's also an amazing feature that you can pay $3 to get just about anywhere 24 hours a day.

When you live in a place like New York, a typical question that comes up is, "Should I take the subway or be lazy and waste money on a cab?" The price of a taxi vs the train is exponentially different, like $3 vs $40. And often, because of traffic, the subway will get you to your destination faster.

"Public transportation use is one of the most effective actions individuals can take to conserve energy," says the Kansas City Area Transportation Authority. "Riding public transportation far exceeds the benefits of other energy-saving household activities, such as using energy-efficient light bulbs, adjusting thermostats, or using energy-efficient appliances."

Now that I live in the suburbs and own a car, it's even easier to fall into the trap of driving a car somewhere instead of opting for public transportation. But there are train and bus stations near me that can get me where I want to go.

For example, I can pay about $22 round-trip to get me to midtown Manhattan and back on the commuter train. Alternatively, if I drove, I would spend about $17 on tolls (including New York City's congestion pricing), and if I couldn't find street parking, another $35 or so on a lot, on a good day. That doesn't begin to price in the cost of gas or the mental strain of getting stuck in traffic.

The train and buses can also take me in between towns, not just into the city. And by using the car less, I'll have less wear-and-tear, and so will spend less on maintenance.

2. Avoid disposable water bottles

If you were to ask me my second favorite thing about living in New York City, I'd say the high quality of the tap water. Why do you think the bagels are so good? It's the water.

One of the tenets of Earth Day is to "reduce, reuse and recycle," and one easy way to do that is to use a reusable water bottle instead of plastic disposable ones. Like many people, I bought into the 2020s trend of colorful water bottles to stay hydrated, and while it felt a little crazy to spend $40 on a water bottle, now that I've been using the same one for five years, I can say it was worth it.

If the tap water where you live is not as glorious as New York City's, you can also invest in water filters to refill your bottles.

Reusable water bottles come in handy the most when traveling. What I do is take an empty bottle with me to the airport, then fill it up once I'm past security. Many airports have fill stations for just this purpose. As someone who's gotten dehydrated on a plane (believe it or not, that 4-ounce cup from drink service will not sustain you for a few hours), I consider this one of the most important things to take on a plane.

Now you have a water bottle to use in the air and through your whole vacation. Starting with the airport alone, you've already saved the $7 or so you would spend on a plastic bottle in the terminal.

3. Skip the trends

Buying a reusable water bottle one time was a good decision both for the environment and for my wallet. But it would've been a problem if I went chasing trends, jumping from a Hydro Flask to an Owala to a Stanley depending on which brand was in vogue.

This is true of chasing trends in just about anything, from clothes to home decor to "wellness" and skincare. I have saved an uncountable amount of money simply by skipping trends — and that has also helped the environment.

Because I don't buy fast-fashion, I'm not helping fuel that harmful industry. Because I don't get new makeup or skincare every few weeks, I'm using fewer disposable plastic products. Because I'm not ordering new drapes and peel-and-stick wallpaper, I'm not engaging all the earthly problems that come with shipping and deliveries. Win-win for Mother Nature and my wallet.

Bonus savings: Shop second-hand. You'll save thousands on designer goods through shops like The RealReal and Vestiaire Collective.

4. Use green energy

As I wrote about, I recently bought a house with solar panels. Every month since I moved in, my electric bill has been $20, with one exception: In February, we had to kick into the grid and were charged $140.

That means that, at a very rough estimate, I'm saving $120 every month that I use solar energy. Over the course of a year, that's well over $1,000, even accounting for one month at $140. We know that energy prices will continue to rise, along with everything else, so these savings will grow over time.

I understand that installing solar panels is a big financial undertaking, especially now that federal tax credits have expired, but like buying that $40 water bottle, the savings will add up over time. My next step, as I wrote in that article, is to get an electric vehicle, which will save me on gas prices and essentially run for free thanks to the solar panels.

5. Skip the meat, sometimes

It's well known by now that eating meat contributes to environmental harm. I am still very much a carnivore, but I've been eating less meat at home. That means I save steak to be an occasional treat when I go to a restaurant, for example, rather than cook it at home on a weekly basis. Even just skipping meat for one day a week can help the environment: Each meatless meal saves 133 gallons of water, according to the University of Colorado Boulder.

Honestly, it helps that I learned how to cook in part from my grandmother, who grew up in southern Italy, a heartland of "peasant food." Pasta e ceci (chickpeas) is one of my favorite dishes, and beans never feel like an afterthought or downgrade. One can of beans is about $2.50, while a pound of steak can be $15 or more, so there are obvious cost savings.

The less obvious savings are in health. "Eating less meat and more plant-based foods can lower your risk of chronic diseases, such as heart disease, high blood pressure, type 2 diabetes, and some cancers," according to the Johns Hopkins Center for a Livable Future. Given the high costs of health care, this results in a multitude of savings, while helping the environment.

Bonus savings: Cook more at home, rather than ordering takeout, where you'll be using disposable plastics.

Live an intentional life for your wallet and the planet

With the exception of the solar panels, I hope you've seen that all of the choices represented here are relatively simple. None of this is really about going out of your way or massively changing your life or lifestyle.

For me, these choices are just about making decisions more intentionally. If I'm about to order something on Amazon, for example, I stop and consider if I could instead wait to pick it up on my next pharmacy store trip, thereby avoiding the environmental impact of shipping one item to my house. Before I buy a new purse from an Instagram ad, I stop and think if I can instead "shop my closet." While grilling a pork chop is easy, I wonder if I can serve it alongside beans and then be able to have leftovers to spread the pork chop over another day or two, making my per-meal costs lower.

Just as saving a few dollars every day adds up over time, so too do these decisions for the environment.

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Summer road trip season is picking up — and so are fuel prices. Ongoing global supply concerns, including tensions around key routes like the Strait of Hormuz, are starting to push gas prices higher in many parts of the U.S., just as travel demand ramps up.

At the same time, rental companies are expanding their electric vehicle (EV) fleets, often pricing them competitively with traditional gas cars. That’s prompting a simple question for travelers: Could renting an EV actually save you money this summer?

The answer depends on more than just gas prices.

The simple cost comparison: EV vs. gas rental

When comparing an EV rental to a traditional gas-powered car, it helps to break costs into three main buckets:

1. Rental price per day

Daily rental rates for EVs can range widely depending on the market, but it’s not uncommon to see compact or midsize EVs priced between $40 and $90 per day. In some cases, EVs are discounted to encourage adoption, making them comparable to or slightly cheaper than standard gas vehicles in the same class.

2. Fuel vs. electricity

• Gas car: The average U.S. gas price has hovered between roughly $3.25 and $4.00 per gallon in recent years, according to the U.S. Energy Information Administration. For a vehicle getting 25 to 30 MPG, that translates to about $0.11 to $0.16 per mile in fuel costs.

• EV: Charging costs vary much more depending on where you plug in.
  • Home or hotel charging: around $0.10 to $0.20 per kWh
  • Public Level 2 chargers: about $0.20 to $0.30 per kWh
  • DC fast chargers: often $0.30 to $0.60 per kWh or more, according to EVChargingStations.com

For many EVs that average 3 to 4 miles per kWh, that works out to roughly $0.08 to $0.20 per mile. This means EV charging can be cheaper than gas, but fast charging can narrow or eliminate that advantage.

3. Fees and extras

This is where costs can surprise travelers. For gas vehicles, refueling service fees can range from $5 to $10 plus the cost of fuel, or significantly higher per-gallon rates if you prepay or return the tank empty, according to Avis.

With EVs, some rental companies charge a low battery fee of $20 to $35 if the vehicle is returned below a required charge level. Idle fees at public chargers (if you leave the car plugged in after charging completes) can run $0.40 to $1.00 per minute, depending on the network.

Fast charging session minimums or connection fees can add a few extra dollars per stop. These additional costs can add $10 to $50+ to a trip if you’re not planning carefully.

So while EVs often have lower "fuel" costs on paper, fees and charging choices can significantly affect the total.

When an EV rental may be cheaper

There are a few scenarios where EV rentals can clearly come out ahead:

Short-to-medium trips

If you're driving predictable distances like airport runs, local sightseeing or a weekend trip under 300 miles, you can often minimize charging stops and avoid higher fast-charging costs altogether.

Urban or well-equipped areas

Cities with several charging networks make it easier to find lower-cost charging options and avoid premium-priced stations.

Free or included charging

Some hotels, vacation rentals and even parking garages offer complimentary Level 2 charging. That can reduce your "fuel" cost to nearly zero for overnight stays, which is one of the biggest advantages EV renters can take advantage of.

Higher gas price environments

In areas where gas prices spike during peak travel season, EVs can offer more predictable and sometimes even lower energy costs.

Lower daily rental promotions

Rental companies are still working to move EV inventory, which means you may find promotional pricing that undercuts comparable gas vehicles. This is especially true for weekday or off-peak bookings.

Less stop-and-go cost penalty

EVs are particularly efficient in city driving, where regenerative braking helps recapture energy. That means frequent stops and slower speeds (which are common in vacation destinations) can actually improve efficiency rather than reduce it.

When a gas car may still cost less

While EVs can offer real savings in the right situation, they’re not always the most cost-effective or practical choice for every trip. In fact, for many traditional summer road trips, a gas-powered rental can still come out ahead once you factor in time, infrastructure and charging costs.

The key difference is predictability. With a gas car, most travelers already know what to expect: quick fill-ups, widely available stations and relatively consistent pricing along major routes. With an EV, costs and convenience can vary much more depending on where you are and how you travel.

Here are a few scenarios where a gas car may still be more affordable.

Long-distance highway driving

EVs tend to be less efficient at sustained highway speeds, which means you may burn through battery range faster than expected. That can lead to more frequent charging stops, and if those stops rely on higher-cost fast chargers, your per-mile cost can climb closer to (or even match) gas.

Areas with limited or unreliable charging infrastructure

If you're traveling through rural areas or regions with fewer public chargers, you may need to go out of your way to find a working station. That can add both time and mileage to your trip, increasing overall costs.

Situations where fast charging is required

Fast charging is convenient, but it often comes at a premium price. Rates at some DC fast chargers can approach $0.50 per kWh or more, which can make the cost per mile comparable to driving a gas vehicle, especially if fuel prices are moderate.

Tight travel schedules where time matters

Even under ideal conditions, charging takes longer than filling up a gas tank. A fast charge can take 20 to 40 minutes, while slower chargers can take several hours. If you're on a packed schedule, those charging stops can add friction and reduce flexibility. For many travelers, time matters just as much as cost.

What it's like if you've never driven an EV

Driving an EV is often described as smooth, quiet and in many ways, simpler than a gas car. But the planning is different. Instead of quickly pulling into a gas station, you’ll likely need to map out charging stops ahead of time.

You should also download apps for different charging networks if needed. With an EV rental, it’s also important to pay attention to charger speeds and availability. Not all chargers are created equal, and availability can vary depending on location and time of day.

Example: A 300-mile weekend trip

Let’s break down a simple, real-world scenario to see how the costs compare.

In this case, the EV could be cheaper, or about the same, depending on charging costs.

How to decide before you book

Before choosing between an EV and a gas car, ask yourself:

• How far am I driving?
• Where will I charge?
• Is charging free or convenient at my hotel?
• What’s the rental price difference?

If your trip is mostly in a city or an area with easy charging, like at your hotel or nearby, an EV can often save you money, especially with shorter driving distances. If you’re planning a long road trip, traveling through areas with limited charging or on a tight schedule, a gas-powered car is usually the simpler and similarly priced option.

In general, EVs work best for shorter, well-planned trips, while gas vehicles are often better for longer, convenience-focused travel.

What matters most when choosing a rental car

EV rentals can save you money, but not automatically. Gas prices are only one part of the equation. Charging access, travel distance and your schedule all play a major role in the total cost.

For summer travelers, the smartest move isn't only choosing the cheapest daily rate. You'll also need to look at the full picture before you book to determine the most cost-effective and comfortable solution for your needs.

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Samsung is phasing out its native Messages app, and the change may come sooner than many users expect. Over the next few months, Samsung phone owners will be prompted to switch to Google Messages as the default texting app.

For some, the transition will feel seamless. For others, especially those who have used Samsung phones for years without changing settings, it could be confusing or disruptive.

If you rely on your phone for everyday communication, now is a good time to understand what's changing, what isn't and what steps to take before the app is retired.

When Samsung Messages will stop working

Samsung is expected to fully transition users away from Samsung Messages by the end of July.

Once the transition is complete, Samsung Messages will no longer function as a primary texting app. Users who have not switched may find they can no longer send or receive standard messages through the app.

Instead, Samsung is directing users to Google Messages, which is already pre-installed on many newer Galaxy devices.

Which Samsung users will notice the change

This change primarily impacts Samsung users who:

• Still use Samsung Messages as their default texting app
• Have not switched to Google Messages manually
• Prefer Samsung's interface or features

If you already use Google Messages, you likely will not notice any difference.

Older devices may still support Samsung Messages for a limited time, but long-term support is expected to fade as Samsung standardizes messaging across its devices.

Why Samsung is shifting to Google Messages

Samsung's move reflects a broader shift across Android toward a single, standardized messaging platform.

Google Messages supports Rich Communication Services (RCS), which offers features beyond traditional SMS, including:

• Read receipts
• Typing indicators
• Higher-quality photo and video sharing
• Group chat improvements

By consolidating messaging under Google's platform, Samsung can reduce duplication and focus on other software features, while modernizing texting across their devices.

What happens to your messages and contacts

In most cases, your existing messages and contacts should carry over when you switch to Google Messages.

However, the experience may vary depending on your device and settings. Some users may notice a brief adjustment period as conversations sync, changes in how group chats behave and differences in notification settings.

It's a good idea to back up your device before making the switch, especially if you have important message history.

How to switch to Google Messages

If your device prompts you to switch messaging apps, you can manually set Google Messages as your default:

1. Open or download Google Messages. The first time you open the app, you'll see a prompt to make it your default SMS app
2. Tap "Set default SMS app"
3. Select Google Messages (the white icon with the blue conversation bubble)
4. Tap "Set as default"

Do you need to upgrade your phone

Not necessarily.

Most recent Samsung Galaxy devices already support Google Messages, and many have it installed by default. For these users, switching apps is typically straightforward.

However, if you're using an older device, you may need to download Google Messages manually from the app store and experience limited functionality if your device no longer receives updates.

If your phone is several years old and no longer supported, this change may be a sign it's time to evaluate whether an upgrade makes sense.

What to do before Samsung Messages goes away

If you currently use Samsung Messages, consider switching sooner rather than later to avoid disruptions.

Here are a few steps to take:

• Open Google Messages and set it as your default messaging app
• Review your settings, including notifications and chat features
• Confirm your messages and contacts appear as expected
• Enable RCS features if available

Making the switch early gives you time to get comfortable with the new app before Samsung fully phases out its own. Samsung's decision to retire its Messages app is part of a broader shift toward standardized messaging.

For many users, the change will be minor. But if you've relied on Samsung Messages for years, it's worth taking a few minutes now to understand the transition and avoid any last-minute surprises.

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Summer is just around the corner, and with it comes peak driving season as Americans plan vacations, road trips and family get-togethers. But between the impact of the Iran war on gas prices and the post-pandemic jump in car maintenance and repair costs, hitting the road will be a lot more expensive this year.

“Drivers are currently facing all-time high automotive costs,” says Duane “Doc” Watson, technical trainer at Bosch Automotive Aftermarket in Cocoa, Florida.

Since early January, when gas nationally averaged $2.81 a gallon — the lowest price since 2021 — the cost of filling up at the pump has surged more than 40%, to $4.15 on average in mid-April, for a gallon of regular, and it topped $5 a gallon in a few states, including California and Washington. “If the situation with the Strait of Hormuz continues, prices could be even more elevated by summer,” says Patrick De Haan, head of petroleum analysis at GasBuddy.

Another headache for motorists: The bill for car repairs and maintenance has also soared, climbing 48.8% over the past five years, according to the Bureau of Labor Statistics. That makes it the second-largest jump in consumer prices of any category except car insurance, which, of course, is yet one more pain point for drivers.

Still, while planning an affordable road trip has gotten more challenging, there are strategies you can use to lessen the burden, from taking advantage of apps, programs and services that lower gas costs to employing driving techniques that improve fuel efficiency — a tactic that the Department of Energy estimates can save you more than $1.50 a gallon when you fill up.

Here’s how to put yourself back in the driver’s seat when it comes to car costs.

1. Use apps to save on fuel

With prices at the pump varying widely even within the same town, it pays to shop around. Apps such as AAA Mobile and GasBuddy allow you to compare gas prices along your route so you can fill up where fuel is cheapest. Navigation tools such as Waze or Google Maps also include gas-station price info by location and can help you avoid traffic and choose more efficient routes, which saves on time and fuel as well.

When you fill up matters too. According to a recent GasBuddy analysis, Sunday is typically the cheapest day of the week to fill your tank in most states, followed by Monday, while prices are usually highest midweek, especially on Wednesdays.

2. Make the most of loyalty and rewards programs

Popular gas station chains such as BP, Shell and Exxon offer free loyalty programs that can save you about 3 to 10 cents per gallon simply for being a member. And while paying in cash typically shaves the price of gas by 5 to 10 cents a gallon, you may be able to save even more with a credit card that offers generous rewards on gas purchases.

Rewards cards that offer a category-high 5% cash back on gas include the AAA Travel Advantage Visa Signature, which also offers 3% back on grocery store, restaurant and travel purchases and 1% on everything else; Citi Custom Cash, which offers 5% back on whichever of 10 categories — including gas stations — that you spend the most each month, 4% on hotels and other travel booked through Citi, and 1% on everything else; and Costco Anywhere Visa, which offers 5% off on gas purchased from Costco, 4% on gas bought elsewhere, 3% on restaurants and eligible travel, 2% on Costco purchases, and 1% on everything else (you must have a Costco membership, starting at $65 yearly, to use this card).

3. Improve your driving game

Avoid speeding, rapid acceleration and hard braking, which all waste fuel. While that advice might sound basic, the savings add up. The Department of Energy estimates these behaviors can improve fuel efficiency by up to 40%.

Also helpful: Plan trips to avoid rush hour traffic. Your vehicle burns extra fuel when it sits idling in congestion.

4. Declutter your car

The heavier your vehicle, the worse its fuel efficiency. The more luggage and gear you carry, the more fuel your car will use.

Bulky accessories such as roof racks or bicycle racks also reduce efficiency by adding weight and increasing air resistance. Cargo on the roof is especially costly, reducing fuel economy by the equivalent of up to 65 cents per gallon on highway driving, according to the Department of Energy.

5. Plan ahead for EV charging

Electric vehicles avoid gasoline costs, but drivers still need to plan where and when to charge. Rates can vary widely by location and time of day.

Apps such as ChargePoint or PlugShare can help drivers find nearby stations and compare prices. Try to avoid charging during peak driving hours, when electricity is more expensive. Charging during off-peak hours from late at night to early morning reduces costs.

6. Be proactive with maintenance

Investing a little time and money in routine maintenance can help you avoid unexpected and expensive hiccups, such as a breakdown or tow.

Key moves as you prepare for an upcoming road trip: Make sure to change the oil in the vehicle, if you’re coming up on the 5,000- to 10,000-mile mark; a $65 oil change can prevent thousands in engine damage later. Check the tire pressure since proper inflation improves handling, fuel efficiency and tire life. And make sure to test your battery before a long trip as well.

“Summer heat can strain batteries weakened during the winter,” says Watson, who notes that many auto shops will check battery health for free.

7. Shop around to save on repairs

If something breaks in your vehicle, first check whether the issue is covered under your initial warranty. If not, shop around local garages for quotes. Having a trusted mechanic is valuable, but it still pays to compare prices.

“It’s very useful to have an ongoing relationship with a repair shop,” says Sean Tucker, managing editor for Kelley Blue Book. “My secret is that I keep two and shop them against each other.”

Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here.

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April is distracted driving awareness month and the safety statistics show that awareness is needed. Despite laws in most states banning the use of phones while driving, distracted driving remains a deadly and expensive problem in the United States.

29% of car accidents are caused by distracted driving, resulting in over 3,200 deaths and causing an estimated $395 billion in damages each year, according to a 2024 report by the National Highway Traffic Safety Administration (NHTSA).

The same report said one of the biggest challenges to addressing the problem is "the breadth of distraction sources and activities available to a driver." In other words, it's not just your phone. As technology continues to advance, the distraction is now coming from inside the car. New features meant to make driving more comfortable and stress-free end up encouraging drivers to pay less attention to the road.

You're driving distracted more often than you think

The NHTSA describes three types of distraction and you're almost certainly falling into at least one of them as you drive. Those distractions are visual, manual or cognitive:

• Visual distractions require you to take your eyes off the road, putting you at risk of not seeing a potential hazard.
• Manual distractions require you to use your hands for something other than driving, delaying your ability to react to hazards as quickly as you might need to.
• Cognitive distractions take your mind off of the task of driving, making you less alert to your surroundings.

Most distractions fall into two or more categories. Texting, for example, fits all three: it takes your eyes off the road, your hands off the wheel and your attention away from driving.

But even if you're smart enough to avoid texting while driving, you're likely engaging in activities that distract you in at least one of the three ways described above.

Not happy with the song on the radio? Changing the station or skipping to the next song on Spotify is a manual distraction. Unsure of where your next turn is? Your GPS navigation system is a visual distraction. Driving in a car with handsfree calling capabilities? You might have your eyes on the road and your hands on the wheel, but now your mind is distracted by the task of talking on the phone.

Your car isn't helping you stay focused on driving

As vigilant as you try to be, modern cars come with multiple features that make it easy to get distracted and may even make you feel safe enough to pay a little less attention. One of the culprits is your car's infotainment system.

A report by the AAA Foundation for Traffic Safety evaluated the infotainment systems of 40 different vehicle models, ranging from high-end Audis to entry-level Toyotas measuring the time it took drivers to complete tasks using systems in 2017 and 2018 vehicles. 29 of the models studied were found to have systems that made "high demand" or "very high demand" of your attention. The remaining 11 still commanded "moderate demand" of a driver's attention.

The ratings were based on how often the technology required your visual or cognitive attention and how long it took to complete a given task. This included common tasks you might do while driving like program your navigation, use voice commands, make a call, or adjust your audio entertainment.

The Tesla Model S, for example, allows drivers to search the internet while driving and features so much information on the screen that navigating the different menus and submenus can take up a lot of the driver's time (and attention). The voice commands meant to allow drivers to complete tasks without their eyes or hands were still slow, error-prone and imposed a high cognitive demand on drivers. Tesla isn't alone. The report found similar issues with many of the other cars studied.

The other major culprit of distracted driving is the rise of self-driving and driver assistance technologies.

At a board meeting last month, the National Transportation Safety Board (NTSB) urged congress to establish minimum safety standards for this technology following two fatal crashes linked to Ford's Blue Cruise system.

Ford's driver assistance system promises "hands-free highway driving," according to the manufacturer's website. The automated features can accelerate, brake and steer the vehicle for you.

The website also says drivers are supposed to keep their eyes on the road while using the feature. Cars with the technology also come with internal cameras that are meant to detect if a driver's eyes are no longer on the road. But the NTSB investigation into the two crashes alleges that these cameras failed to detect that, in both accidents, drivers were not looking at the road at the time of the crash.

“Our brains are just wired in that if we think that a system is going to take over and reliably handle a driving task, we get bored and we look for something else to do,” said Cathy Chase, president of Advocates for Highway and Auto Safety, during the board meeting.

While the focus was on the recent crashes involving Ford, the NTSB stressed that this is an industry-wide problem. As more and more carmakers add self-driving or driver assistance features to their vehicles, it's going to enable more and more drivers to use their "hands-free" driving time to navigate their increasingly distracting infotainment systems.

How to drive safely in a distracted world

With distractions everywhere, it can be difficult to stay focused on the road. But even partial distractions — like struggling with a voice command system or trying to skip a song you’re tired of hearing — can be dangerous.

Here are a few tips to help minimize distractions and drive more safely.

Program your navigation and audio before you drive
Some cars already limit your ability to program these things while the vehicle is in drive. But even if yours doesn't, you should get yourself set up before you hit the road. Cue up a long enough playlist to cover the length of your drive, for example.

If your steering wheel has volume or skip buttons, use those instead of the touchscreen. If you need to adjust your navigation, pull over to do so.

Don't take calls or answer texts (even with voice-to-text) while driving
If it's urgent enough to answer right away, pull over. If it's not worth pulling over to respond, it can wait until you're done driving.

Some phones allow you to turn on a driving mode which will temporarily pause notifications while you're on the road and automatically send a message to callers or texters, letting them know that you can't answer right now. Using this can help reduce the temptation to respond immediately.

Limit or avoid the use of assisted driving features
As the Advocates for Highway and Auto Safety president mentioned during the NTSB meeting in March, assisted driving features can lull you into a false sense of security. Sticking to old-fashioned manual driving keeps you more engaged with the task at hand.

Use Android Auto or Apple CarPlay instead of your car's native system
In the distracted driving report mentioned earlier, AAA found that both Android Auto and Apple CarPlay were still potentially unsafe, but they were far less demanding of drivers' attention than the sometimes clunky proprietary systems designed by automakers.

This isn't always an option in all cars. But if it is an option in yours, use it (just not while you're driving).

Don't assume other drivers are paying attention
With the rise of driver-assist technology and in-vehicle touchscreens, more drivers on the road may be distracted. An attentive driver might brake or slow down when traffic changes—but a distracted one may not react in time. That makes it even more important to stay alert and responsive behind the wheel to protect yourself.

Take a defensive driving course to boost your skills
There are many defensive driving courses available, including plenty of convenient online options. These cover everything from recognizing hazards to best practices for handling various road conditions. Some of it is sure to be a repeat of things you already know, but you'll likely learn a few new things as well.

If you're not convinced a course is worth your time (or money), remember that many insurers offer discounts on your premium if you take an approved course. They typically take about six hours to complete and can help you save on car insurance.

Just make sure you choose an approved defensive driving course, like one of the following:

• DriveSafe Online
• AARP Smart Driver Course
• Safe2Drive
• I Drive Safely
• National Safety Council (NSC)

Don't let a false sense of security lull you into an accident

Between the built-in car features that are demanding your attention and the convenience features that make you feel safe enough to take your eyes or hands off the task for a minute or two, it's getting easier to forget that you're sitting in a 4,000-pound hunk of metal barreling down the road at high speeds.

But driving is, in reality, the most dangerous mode of transportation by a long shot. According to the Bureau of Transportation Statistics, the overwhelming majority of transportation fatalities occur on highways.

In 2023, for example, over 40,000 of the 42,920 transportation deaths in the United States happened while driving. Likewise, over 99% of the 2.4 million transportation injuries that were reported that same year occurred on the road. The stats are similar for other years. By staying alert and minimizing your use of those convenient features your new car has (at least while driving), you can reduce your risk of becoming part of that statistic.

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Trae Bodge is a smart-shopping expert. Find additional savings tips at her website. Here, she tells Kiplinger Personal Finance Magazine about her favorite grocery hacks to keep prices low, plus where she thinks grocery prices are headed.

Q: With grocery prices up nearly one-third since 2020, food costs have become a major pain point for most Americans. Do you see prices coming down or moderating this year?

While I see prices stabilizing — barring a weather pattern that affects crops or an illness amongst animals — unfortunately, prices aren't likely to come down anytime soon. So it's important for shoppers to get into the habit of using savings tactics. You don't need to become an extreme couponer or do anything complicated to save. There are lots of little steps you can take that can be quite impactful over a year of shopping.

Q: What tools can shoppers use to learn about sales or increase their savings?

Download your favorite grocery stores' apps. They often have special coupons or promotions available and will alert you to sales. They also use artificial intelligence in a helpful way by serving up offers based on how you shop. You may get a notification when your favorite cereal is on sale, for example.

If you buy groceries online, I also recommend installing a couple of browser extensions, such as CouponCabin, Rakuten or PayPal Honey, which search for available cash-back or discount codes and automatically apply them when you check out.

Another potentially useful app is Flashfood, which partners with retail and grocery stores to help them sell surplus items. You can save up to 50% on overstock items you order with the app and then pick up from a local store.

With the Fetch app, you can scan your grocery receipts to earn points that can be redeemed for gift cards.

Q: Do you recommend using rewards credit cards at the supermarket?

I always shop with the credit card I own that offers the best points or cash back for groceries. As an Amazon Prime Visa cardholder, for example, I use that card at Whole Foods because it pays 5% cash back there. That's 5% I'm getting back on purchases I was already making.

The PayPal Debit Card is fee-free and pays 5% cash back per month in a category you choose, including groceries or restaurants. And the American Express Blue Cash Preferred card may be worth the annual fee ($95) because of its generous benefits — 6% cash back on supermarket spending.

Q: What changes can people make to their shopping habits to save more?

A very easy tweak is to look at your grocery list to see if there are any store-brand options that can replace name-brand items.

From my research, you can save between 25% and 40% just by buying the store brand. Often, name-brand and store-brand items are made in the same factories using the same ingredients.

Also, try to buy in bulk, especially if you're a family of more than two. Usually, the larger the quantity, the lower the unit price is. This is where, if you have a Costco, Sam's Club or BJ's membership, you can potentially save a lot.

But don't buy quantities that are too large. That giant tub of microgreens may be an amazing deal, but if it goes moldy before you're halfway through, you've just wasted money.

Q: What items should people avoid buying?

The whole prepared-food category is a no-no in my book. You're paying too much of a premium for convenience. You'll save so much by doing the chopping, washing or whatever yourself.

You could take this a step further by looking at things that you buy regularly that are easy to make. In my house, we make our own hummus and granola. Buying the ingredients and doing the work at home saves us so much money. A nice bag of granola can be $9, whereas I can make a batch twice as big for half the price, and customize it to the exact flavors I want.

I would also avoid nonfood items, things such as beauty products, office supplies, vitamins and supplements. In my experience, other retailers easily beat the pricing at the grocery store.

Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here.

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If you need cash for a major expense, you might be considering tapping your home equity. With a home equity line of credit (HELOC), a home equity loan or a cash-out refinance, you can access the equity in your home and use that money for renovations and other expenses.

But it’s more important than ever to understand the potential risks that come with tapping your home equity. According to the Intercontinental Exchange Mortgage Monitor report, Americans hold approximately $17 trillion in total equity, with about $11 trillion tappable.

High home values and limited inventory have resulted in equity-rich but cash-constrained households. Using your home’s equity can be a risky move, so be sure you understand all of the factors involved before deciding if this is the right decision for you.

Borrowing costs remain elevated, with new pressures in 2026

Home equity borrowing is still relatively expensive, and recent economic conditions are adding more uncertainty to where rates go next.

As of April 2026, average home equity loan rates are hovering around the 8% range, according to Bankrate:

• 5-year home equity loan: 7.89%
• 10-year home equity loan: 8.02%
• 15-year home equity loan: 8.00%

Rates vary based on credit score, loan-to-value ratio and lender.

These rates are noticeably higher than what many homeowners are used to, especially those who locked in mortgage rates below 4% in recent years.

At the same time, the Federal Reserve has held rates steady through its January and March meetings, signaling a more cautious approach to rate cuts. That means borrowing costs tied to the prime rate, including HELOCs, have remained relatively high so far this year.

Geopolitical tensions, including the ongoing war in Iran, are also contributing to inflation pressure, particularly through energy prices. That added uncertainty can make it harder for rates to move lower in the near term.

In this environment, the type of loan you choose matters more. Home equity loans offer fixed rates, which can provide predictable payments. HELOCs typically come with variable rates, meaning your costs could change over time. Meanwhile, mortgage rates, which affect cash-out refinancing, tend to follow the 10-year Treasury yield and remain sensitive to inflation and broader market conditions.

When tapping your home equity can make sense

Tapping your home equity may make sense when you’re using the funds for a clear, high-value purpose. For example, you might finance home improvements that increase your property’s value, helping offset the cost of borrowing over time.

Some homeowners also use home equity to consolidate high-interest debt. Replacing a credit card balance with a rate around 20% with a lower-rate home equity loan or HELOC can reduce interest costs and simplify payments.

Home equity can also help cover large, planned expenses, such as education costs or major medical bills. In these cases, the value of the expense may justify the interest you’ll pay. Used intentionally, home equity can be a strategic financial tool — not just a way to cover everyday spending.

Use the tool below, powered by Bankrate, to explore and compare today's home equity loan and HELOC options from multiple lenders:

When tapping your home equity could be a risky move

Tapping your home equity can be risky. When you use your equity, your home is collateral. If you default on your loan, you could face foreclosure.

HELOCs have variable interest rates. While your interest rate could drop, it could also rise, meaning your payments could be larger than you anticipated, and you might ultimately pay much more in interest than you’d planned.

It’s also possible to overborrow home equity. When paired with market uncertainty resulting in fluctuating interest rates and home values, overborrowing could increase your chance of defaulting on your loan and facing foreclosure. It's always best to borrow no more money than you absolutely need, which will also help minimize what you pay in interest.

Home equity loan vs. HELOC vs. cash-out refinance

Let’s take a look at how three methods of accessing home equity compare:

• Home equity loans are fixed-rate loans, so you’ll have predictable, set payments throughout the loan’s term.
• HELOCs are revolving credit lines that you can draw from, repay and reuse. They offer flexibility, but variable rates mean your payments can change over time.
• A cash-out refinance replaces your existing mortgage with a new, larger loan, resetting your interest rate and loan terms.

Since many homeowners are locked into ultra-low mortgage rates, refinancing tends to be a less attractive option right now.

Timing matters more than most borrowers realize

Timing matters when tapping your home equity. Rates could fall later in 2026, but that’s far from certain. Waiting might help you secure a lower rate, but it could also work against you if home values decline or lending standards tighten.

The key is balancing timing with necessity. If you’re facing a time-sensitive expense, such as an urgent home repair or education costs, waiting for a better rate may not be practical.

How to decide if borrowing is right for you

This simple checklist can help you decide if borrowing against your home equity is right for you:

• Do you have a clear purpose? Tapping home equity is risky, so make sure that your purpose justifies that risk.
• Can you comfortably afford payments? With your home as collateral, you risk foreclosure if you can’t make the payments.
• Are you choosing the right product? Be sure you understand the pros and cons of each home equity product to choose the one that’s best for your situation.
• Have you compared lenders? Rates, terms and loan costs can vary from lender to lender. Compare quotes from multiple mortgage lenders to find the best option.

Think beyond access to equity

Home equity can be a powerful financial tool, but it comes with real risk. Because your home is on the line, it’s important to borrow with a clear purpose and a plan to manage the payments.

The decision isn’t just about whether you can access the funds. It’s about whether using your equity supports your broader financial goals and makes sense given today’s rates and market conditions.

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Netflix is raising subscription prices across all of its U.S. streaming tiers, marking the second increase in just over a year and adding to what many subscribers refer to as "streamflation."

The price hike, rolling out this week, increases the standard plan with ads by $1 per month, while standard and premium plans rise by $2, according to pricing posted on its website.

Here’s how the increases break down and what they could mean for your monthly streaming budget.

Why Netflix is raising prices

Pricing for Netflix tiers is now higher across the board, meaning most subscribers will see a bump in their monthly bill depending on their plan.

The move aligns with a broader industry trend, as competitors like Disney+ and Max have also raised prices in recent months while pushing toward profitability.

Here's how the updated pricing breaks down by tier:

What it means for subscribers

The new prices take effect immediately for new subscribers. Existing customers will see the changes at their next billing cycle.

While the monthly increases are relatively small, they can add up over time, especially for households paying for multiple streaming services. Rising costs across platforms are also pushing more viewers toward lower-cost, ad-supported tiers or prompting them to rotate subscriptions to manage spending.

How to save on streaming as prices rise

As streaming prices continue to climb, small changes to how you subscribe can make a noticeable difference. Here are a few simple ways to keep your costs in check.

Rotate your subscriptions: Keep one or two services at a time, then cancel and switch once you've watched what you want

Choose ad-supported tiers: Lower-cost ad supported plans can significantly reduce your monthly bill

Bundle services when possible: Packages like Disney+ and Hulu can offer better value than standalone subscriptions

Look for perks through other subscriptions: Some plans like T-Mobile or Walmart+ include streaming services at no extra cost

Netflix remains one of the dominant streaming platforms, but its latest price hike underscores a clear shift: streaming is getting more expensive, and consumers may need to be more strategic about what, and how many services they keep.

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Buying in bulk can offer valuable savings, helping to combat the continuously rising grocery prices we're facing and helping you spend less on groceries. Understanding what to buy in bulk is key to getting a good deal, though, since bulk buys can backfire and cost you more.

When buying in bulk, your total spend on an item might be higher, but you should be paying a lower price per unit. Storage challenges and spoilage risks can eat into your savings, highlighting the importance of careful planning and strategic buys.

Deal psychology can also prompt you to overbuy and overconsume. When you're purchasing grocery items that you don't need or wouldn't have otherwise bought, bulk buying isn't saving you money — it's costing you more.

These tips can help you make smart purchase decisions to maximize your savings and avoid costly mistakes.

When buying in bulk saves you money

Buying in bulk works best in certain situations:

• You use the item regularly. Stock up on items you already buy often. Frequent use lowers the risk of waste and ensures the purchase fits your routine.
• Products have a long shelf life: Bulk buying only works if you can use everything before it spoils. Shelf-stable items give you more flexibility and reduce the risk of waste.
• You have storage space. Make sure you have a cool, dry place to store bulk items. Limited space can lead to spoilage or clutter that offsets savings.
• You have checked the price per unit. Sometimes bulk buys are disguised as a good deal. Compare the price per unit to what you'd pay if you bought a single unit of that same item. When buying in bulk, the per-unit price should be significantly lower to justify the purchase.

The best groceries to buy in bulk

You can get the best value by buying certain types of groceries in bulk. Use this list to help focus your shopping.

The worst groceries to buy in bulk

Certain groceries don't work as well for bulk purchases. Buying these items can cause your savings to quietly disappear.

Hidden costs of bulk buying most shoppers overlook

Many shoppers overlook the hidden costs of bulk buying. These costs can eat away at savings or even cause you to lose money on bulk buys:

• Food waste. If part of your bulk buy expires or is otherwise damaged, you're throwing money away.
• Storage containers and space. Be sure to budget the cost of food storage containers into your bulk buying strategy. If you're buying frozen goods, you might need to invest in a chest freezer and the electricity needed to power it, which will eat into your savings.
• Membership fees. Warehouse clubs such as Costco and Sam's Club sell groceries in bulk, but you'll need to buy an annual membership to take advantage of those savings. Look for membership deals, which often crop up in the summer, to save on the cost.
• Time, Buying in bulk takes time and effort, and your time is valuable. The urge to impulse spend in bulk stores can also be expensive, since you might not save as much money as you think you are.
• Price volatility. In today's economy, prices are highly volatile. You might make a bulk purchase, only to find that those prices later drop. Choosing a retailer with a good price match guarantee can help reduce this risk.

How to bulk buy without wasting money

You can save money by strategically buying in bulk. These tips can help maximize your savings so you're not wasting money on bad buys.

• Compare price per ounce or unit. When deciding what to buy in bulk, compare the price per ounce or per unit to verify that you’re actually getting a good deal.
• Start with a short list. Keep it simple. Focus on items you already use and build your bulk purchases from there.
• Use a freeze or portion system. Freeze what you can to extend shelf life. Portion items such as soups and meats before freezing so you can thaw only what you need. Invest in quality freezer-proof containers so you can easily thaw one or two portions at a time, preventing waste.
• Label and rotate. Clearly label what you buy and use older items first. This applies to pantry and freezer goods and helps prevent forgotten food from going to waste. You can buy food labels that make this process easier to help keep you organized.
• Split bulk purchases. Consider sharing bulk items with family or friends. This reduces upfront costs and makes storage more manageable.
• Avoid shopping when hungry. Hunger can lead to overspending. Studies from the University of Minnesota found that hungry shoppers at a mall spent 64% more money than those who were less hungry, suggesting that hungry shoppers are more likely to buy more than shoppers who aren't hungry. Impulse purchases while buying in bulk can be expensive mistakes, so eat a snack or meal before you shop.

Buying in bulk can be a solid strategy to lower your grocery bill, but approach this technique carefully and gradually. Knowing what to buy in bulk and having a clear plan in place can set you up for success and savings.

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After briefly dipping earlier this year, average 30-year mortgage rates have jumped from roughly 5.99% to around 6.38% in a short window, according to Freddie Mac.

That's not a dramatic spike compared with the highs of 2023, but it's enough to rattle a housing market that was already on edge heading into the spring buying season.

For buyers, sellers and homeowners hoping to refinance, the latest move underscores a frustrating reality: The housing market is not following a smooth recovery path. Instead, it's reacting in real time to inflation concerns, global instability and shifting expectations about where interest rates are headed next.

Mortgage rates are moving higher again

The recent rise in mortgage rates reflects a broader shift in the economic outlook. Rates don't move in isolation. They're closely tied to the 10-year Treasury yield, which has been climbing as investors price in renewed inflation risks.

Those risks have been amplified by rising oil prices, ongoing geopolitical tensions and concerns about supply chain disruptions.

Even a modest move from 6.0% to 6.5% can have an outsize effect on buyer behavior. Housing affordability is already stretched, and many buyers are highly sensitive to changes in monthly payments. When rates move quickly, hesitation tends to follow.

What's pushing mortgage rates higher right now

Several forces are converging at once:

• Inflation expectations are rising again. Energy costs, shipping disruptions and broader supply pressures are feeding concerns that inflation might stay elevated longer than expected.
• Oil price volatility is back in focus. Higher energy costs ripple through the economy, influencing everything from construction materials to transportation.
• Geopolitical instability is adding uncertainty. Global conflicts and trade disruptions are pushing investors toward safer assets and driving bond market volatility that directly impacts mortgage rates.

It’s also important to keep in mind that mortgage interest rates don't move directly with Federal Reserve rate decisions. Instead, they reflect where investors think inflation and economic growth are heading over the long term.

The housing market was already softening before rates jumped

This latest mortgage interest rate increase is landing on a housing market that was already showing signs of strain.

Recent data from Redfin shows that 13.7% of pending home sales fell through in February, the highest cancellation rate since 2017 and up from 12.8% a year earlier. That is a clear signal that buyers were already struggling to follow through on purchases.

Affordability remains the central issue. Even when home prices stabilize or dip slightly, higher borrowing costs can quickly offset any savings. In other words, the math matters more than the listing price.

Buyers are gaining leverage — but it's complicated

There is one notable shift working in buyers' favor: Inventory is rising.

In many markets, there are now more sellers than buyers, creating a near-record gap. That imbalance is giving buyers more negotiating power than they've had in years.

In many markets, this is showing up as:

• More price reductions
• Seller concessions (closing costs, rate buydowns)
• Greater flexibility around inspections and contingencies

Here's the catch: Higher mortgage rates can erase those advantages.

Even if you negotiate a lower purchase price, your monthly payment might still be higher than it would have been a few months ago. That tension is what's keeping many buyers on the sidelines.

What higher rates mean for monthly payments

Small changes in rates can translate into meaningful differences in affordability. For example, on a typical mortgage, moving from 6.0% to 6.5% can increase both your monthly payment and raise total borrowing costs over time.

That roughly $130 monthly difference can translate into about $48,000 more in interest over the life of the loan.

This is why buyer behavior tends to shift quickly when rates move. It's not just psychological; it's also mathematical. When monthly payments cross a certain threshold, deals are more likely to fall apart as budgets get stretched and buyers pause their search.

Refinancing is getting pushed further out of reach

For homeowners, the current rate environment is keeping refinancing activity subdued. Most borrowers locked in mortgage rates below 4% or 5% in recent years. Compared with today's ~6.5% mortgage interest rates, refinancing into a higher rate doesn't make financial sense for most.

That said, there are still a few scenarios where refinancing might be worth considering:

• Cash-out refinancing to consolidate high-interest debt or fund home improvements
• Borrowers who purchased at peak rates (around 7% or higher) who might benefit from even a modest reduction

Still, for the majority of homeowners, refinancing is likely to remain on hold unless rates fall substantially.

What to watch next

Mortgage rates don't move randomly. They respond to broader economic signals, many of which are shifting right now.

Energy markets will be a key factor to watch, particularly oil prices. Rising energy costs can feed into inflation, which tends to push mortgage rates higher. At the same time, inflation reports such as the Consumer Price Index (CPI) and Personal Consumption Expenditures (PCE) will provide important clues about whether price pressures are easing or persisting.

Investors will also be closely tracking movements in the 10-year Treasury yield, which mortgage rates tend to follow. If yields continue to rise, borrowing costs for homebuyers are likely to remain elevated.

Within the housing market itself, trends in inventory, price reductions and buyer behavior (including cancellation rates and time on market) will help signal how much pressure higher rates are putting on demand.

Taken together, these factors suggest that mortgage rates might remain volatile in the near term, rather than settling into a steady downward trend.

What buyers and homeowners can do now

In a market like this, strategy matters more than timing perfection.

For buyers

Instead of trying to perfectly time the market, buyers might benefit from focusing on affordability and flexibility. This means prioritizing a monthly payment that fits comfortably within your budget, even if rates fluctuate.

It's also important to shop around and compare mortgage offers from multiple lenders, as interest rates and fees can vary more than usual in a volatile environment. Buyers might also have more room to negotiate right now, including asking sellers for closing cost assistance or temporary rate buydowns to lower upfront costs.

For homeowners

Homeowners should approach refinancing decisions carefully and avoid rushing into a new loan without a clear financial advantage. In many cases, keeping an existing low-rate mortgage will make more sense than refinancing at today's higher rates.

For those who need access to cash, alternatives such as a home equity line of credit (HELOC) or a structured repayment plan for other debts might be worth exploring instead.

For both

Both buyers and homeowners should be prepared for continued rate volatility and avoid making decisions based solely on short-term market movements.

The most important factor is how a housing decision fits into your broader financial picture, including your income stability, long-term plans and comfort with monthly costs.

If you're curious about today's rates, use the tool below, powered by Bankrate, to explore and compare some of today's top offers:

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Family phone plans are designed to lower costs by bundling multiple lines under one account, often with multi-line discounts that reduce the overall bill.

Added perks like shared data pools and simplified billing can make them especially appealing for households with teens or multiple users.

In many cases, these plans offer real savings and convenience. But as your lifestyle, usage habits and travel needs change, what once worked well may no longer be the best fit. In some situations, switching to individual plans can offer better value and flexibility, sometimes even at a lower cost.

Everyone has very different data needs

Family phone plans often feature shared data, allowing everyone on the plan to use data from a collective pool. While shared data can save on the cost of individual data plans for each line, as children become adults, their data usage patterns change, and that shared data may no longer be sufficient.

For example, one person might constantly stream, while another might mostly use WiFi and another may only need their phone for calls and occasional texts.

Shared data limits may create friction among users, and if multiple people on the plan are heavy data users, the group might exceed the pooled data's monthly limit. In these instances, individual unlimited data plans may be cheaper and more practical.

Travel and lifestyle differences create new needs

Changing travel habits can also be a sign that a family plan no longer fits. As children become adults, they may travel more frequently for work or relocate to different regions, which can require different coverage and plan features.

At the same time, parents entering retirement may spend more time on the go or traveling internationally. In these cases, features like international roaming, hotspot access and reliable coverage across regions can become more important. Perks tied to travel, such as airline WiFi or global data access, may shift from being occasional extras to everyday needs.

When each person's lifestyle and location begin to vary, a single family plan may struggle to support everyone equally. Plans with limited coverage or fewer travel features can leave some users underserved, making individual plans a better fit.

Perks and bundles may be wasted or mismatched

As your family grows and evolves, how each person uses their phone begins to change. At the same time, the perks and bundles tied to your plan may no longer align with everyone's needs. What once added value for the group may now benefit only one or two users.

For example, extras like streaming subscriptions, hotspot allowances, international features and device upgrade programs may have made sense when you first signed up. Over time, those benefits can become less relevant. If only one person regularly uses hotspot data while others do not, that feature is largely going unused.

It's worth taking a closer look at how each member actually uses the plan's perks. If benefits are mismatched or underused, switching to individual plans that better reflect each person's needs may offer greater overall value.

Managing the plan becomes a hassle

Most family plans are set up with one person responsible for managing the account, including billing, device upgrades, usage issues and adding or removing lines.

That structure can work well when parents are managing plans for younger children or teens. But as children grow older and become financially independent, it can start to feel impractical.

At that point, separating accounts may make more sense, allowing each person to manage and pay for their own plan.

Compare single line plans before you switch

If you are considering leaving a family plan, it is worth comparing the cost of single-line options that match your actual usage. In some cases, switching to an individual plan can offer similar features at a lower monthly cost.

For example, Visible Wireless offers a straightforward pricing structure that may appeal to users who want unlimited data without the complexity of a bundled family plan.

Its base plan starts at $25 per month and includes unlimited data, talk and text on Verizon’s 5G and 4G LTE networks, along with mobile hotspot access and spam call protection. That is roughly in line with what many people pay per line on a family plan, but without the need to share data or manage a group account.

If you are also planning to upgrade your device, switching plans may unlock additional savings. New Visible customers can receive up to $600 in service credits when purchasing an eligible iPhone and enrolling in the Visible+ Pro plan. To qualify, you will need to open a new line, purchase the device either in full or through a payment plan, select the qualifying plan and activate service.

Taking time to compare pricing, features and current promotions can help you determine whether moving to a single line plan offers better overall value for your needs.

When staying on a family plan still makes sense

Family phone plans can still offer strong value in many situations. Multi-line discounts can lead to savings, especially when your household also takes advantage of included perks like streaming services.

Shared data plans can further reduce costs, particularly for families with similar usage patterns. When everyone uses data at roughly the same level, a shared pool can be an efficient and cost-effective option compared to separate single-line plans.

These plans are also a practical choice for parents who are covering phone costs for younger children or teens, offering both convenience and potential savings.

How to decide whether a family plan still makes sense

Some families stay on family plans for years and remain satisfied with the arrangement. Others begin to run into challenges as the plan no longer reflects each person’s changing needs.

To decide whether a family plan still makes sense, start by comparing single-line pricing based on each member’s usage, including factors like international roaming and coverage. Price is important, but it should not be the only consideration.

If the plan is no longer meeting everyone's needs, it may be worth paying a little more for individual lines that offer a better fit. In some cases, you may be able to remove one user while keeping the existing plan and its perks.

It is also important to evaluate which perks your family actually uses and which ones go unused. If usage patterns have shifted significantly and needs are no longer aligned, moving to separate plans may provide better value and flexibility for each person.

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