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Contents
- Dividend definition
- Still deciding on the right carrier? Compare Medigap plans
- Life insurance buying guide
- Coinbase is best for:
- What is a W-4?
- What is a custodial Roth IRA?
- See CD rates by term and type
- What is an authorized user?
- What is a budget?
- Bitcoin (BTC) definition
- What is bill pay?
- About this tool
- Key takeaways
- Mortgage rates today: Thursday, April 18, 2024
- What is a budget planner?
- What is a cashier's check?
- What is a home equity line of credit?
- The parts of Medicare
- 6 steps to opening a Roth IRA
- What is a fiduciary?
- Our Take
- Quick tips for where to exchange currency
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 1. Take stock of your cards
- 2. Ask for a retention offer
- 3. Open a new card
- 4. Focus on flexibility
- 5. Track your rewards
- 6. Know the value of your points
- 7. Save more with card offers
- 8. Stack your rewards
- 9. Get out of your comfort zone
- What is passive income?
- What are dividend stocks?
- Best-performing gold ETFs
- ETFs for beginners
- Allstate home insurance star rating
- High-dividend ETFs may generate income
- What is a spot Bitcoin ETF?
- How to make money in stocks
- What is a credit freeze?
- About The Hanover home insurance
- The best things to do in Fort Walton Beach
- Good credit utilization follows the 30% rule
- Where they’re based and where they fly
- What is a fuel surcharge?
- What is OASDI tax?
- Mortgage options
- What is Amazon Prime?
- What is TikTok Shop?
- When to choose a Hilton credit card
- How much are United miles worth?
- Best Medicare Advantage companies
- What is a savings account?
- 5 ways to save money when you fly Southwest Airlines
- What to look for in a health insurance plan
- 7 of the best apps to make money
- 7 best-performing AI stocks
- Closed-end fund definition
- 1. Borrow money at a better interest rate
- When do I need a cashier's check?
- Microsoft Office Excel budget templates
- What is cryptocurrency?
- What is the Walt Disney World VIP tour?
- What are Vanguard index funds?
- Electric vehicles and charging equipment
- Minimum wage over time
- California state income tax brackets and rates
- What is an insurance broker?
- The best car insurance
- How we found the best travel insurance
- Medicare Part A late enrollment penalty
- 1. Find a payment strategy or two
- Frugal food tips
- Robinhood is best for:
- Coinbase at a glance
- Vending machine costs
- Where Southwest flies in the Caribbean
- Custodial Roth IRA rules
- The best airlines to fly to France
- Paying with points
- What is the typical down payment on a house?
- 3 reasons to use your Chase Sapphire Reserve® for rental car insurance
- Key findings
- What is the child tax credit?
- How does a UCC filing work?
- What does SSSS mean on a boarding pass?
- How do CDs work?
- Cheap one-day tickets for Universal Studios
- 50/30/20 budget calculator
- 1. Tweak your W-4
- The best flight booking sites
- How startup funding works
- A quick refresher
- Georgia small-business grants
- How municipal bonds work
- What are AI ETFs?
- What goes into the credit card interest calculation
- Top credit cards for Admirals Club access
- Create a budget plan that works for you
- What happens if you don't pay taxes, or pay your taxes late?
- How do LLC taxes work?
- What is an auto loan hardship program?
- How to help travel anxiety
- Paying with a credit card is possible, but not advised
- Roth IRA contribution limits 2024
- 1. Set your budget
- How balance transfers work
- Term life vs. whole life: Overview
- Auto insurance
- 1. Make extra payments toward the principal
- Pros & Cons
- Overview of limited partnerships
- How to use the auto lease buyout calculator
- 1. File your taxes — even if you can’t pay
- 17 passive income ideas for 2024
- What does a business use for collateral?
- How to budget money
- On the day you’re pulled over
- How to find a currency exchange near you
- 1. Check your account statements
- Biweekly payment calculator
- How much does an Amazon Prime membership cost?
- Triple-check the recipient
- Student loan payoff calculator
- Calculator: Convert United miles to dollars
- In this article
- 1. There are two Merrick Bank credit cards
- What is a tax credit?
- How does bill pay work?
- Best ways to consolidate credit card debt
- Length of credit history vs. credit age
- The 41 best online business ideas
- Best day to book a flight
- Daily mortgage rates chart
- Closed-end funds vs. open-end funds
- How are Bitcoins minted?
- 1. Find your inspiration
- Buy down the interest rate: Is it worth it?
- Types of depreciation
- 4 common check fraud scams
- What is Medicare Supplement Insurance and how does it work?
- Average savings account rate: 0.46%
- Factors affecting cost
- Late winter and early spring
- Best fleet fuel cards
- How does an FHA 203(k) loan work?
- Level 1: Slow, but easy
- Robinhood at a glance
- Wells Fargo Active Cash® Card
- What are gold ETFs?
- How to make money online
- How they compare
- Cash-outs drain future retirement security
- How to invest in stocks in 6 steps
- What responsibilities does an authorized user have?
- 7 high-dividend ETFs
- What is the 10-year Treasury?
- Top 11 spot Bitcoin ETFs by fee
- Starting a house-flipping business in 8 steps
- Your own insurance usually comes first
- 1. Understand asset allocation
- What is a crypto loan?
- The best money-making apps
- Do your industry research
- Best no medical exam life insurance for April 2024
- What is an assumable mortgage?
- Netflix subscription cost
- 1. You'll owe fees upon fees
- How to freeze your credit with all 3 bureaus
- 2. Qualify for the best credit card deals
- 1. What's my goal?
- Tax filing status options
- Key takeaways
- Banks that offer joint business accounts
- Mint vs. NerdWallet at a glance
- In this article
- 2 is the magic number
- A lower rate … and a lower credit score, temporarily
- How much is condo insurance in Florida?
- Summary of cash advance apps
- How much do Instagram influencers make?
- Personal loans from online lenders
- How an accident affects your car insurance rates
- AAA home insurance star ratings and availability
- Can I get life insurance with HIV?
- 20 high-dividend stocks
- How does OASDI tax work?
- What strategies has Yang used to build wealth?
- Does paying a loan twice a month help?
- Most parents don’t plan to have more children
- Types of ETFs
- Nationwide pet insurance
- Where Allstate stands out
- What’s the purpose of a budget?
- How does Bitcoin work?
- What is the 50/30/20 rule?
- Why the Chase Sapphire Preferred® Card wins
- Best for size of network: UnitedHealthcare
- Why you need a savings account
- What is the best streaming service?
- 2. Learn more about your 401(k)
- What is a life insurance policy?
- How to invest in municipal bonds
- Why mortgage rates change every day
- What happened at the MOHELA Senate hearing
- Where can I get a cashier’s check?
- Apps most like Airbnb for cars
- How can Heartland ECSI help you?
- Real estate agent commissions
- What is fiduciary duty?
- Banking
- What are dividend stocks and why buy them?
- When to use an insurance broker
- Medicare Part A penalty calculator
- Globe Life insurance
- How to fill out a W-4
- Cheap car insurance
- 2. Categorize your expenses
- Best affordable homeowners insurance in Texas: State Farm
- How much is the child tax credit worth?
- Why do travelers get SSSS?
- What is a CD term?
- New York state income tax rates
- Why equity matters
- Where The Hanover stands out
- Google Sheets budget templates
- 2. Examine your situation
- Roth IRA income limits 2024
- How to calculate your credit utilization ratio
- Fewer regulations, more risks?
- What your estimated buyout cost tells you
- State minimum wages in 2024
- Frugal shopping tips
- So which is better, Robinhood or Coinbase?
- How to start a vending machine business: A step-by-step guide
- Business loan collateral requirements
- How to open a custodial Roth IRA for kids
- If you decide to pay the speeding ticket
- Best place to exchange currency: Your bank or credit union
- Protect against fraud
- For cash back
- How extra student loan payments work
- United MileagePlus Miles value over time
- What you need to know about savings accounts
- Earning Chase Ultimate Rewards points
- 2. You may need an offer by mail to apply
- How do tax credits work?
- 2. Consider your tolerance for risk
- Does a partial payment affect your credit score?
- Which mortgages are assumable?
- Best AI ETFs by one-year performance
- Stackable savings at select grocery stores
- Best day to fly
- What is the cheapest car insurance in California?
- Grace period
- How can I get a cashier’s check?
- Cheap(er) cell phone plans from Verizon, T-Mobile and AT&T
- Disney VIP tour cost
- Today’s HELOC rates
- 2. Refinance if you have good credit and a steady job
- Savings bond calculator
- 1. Brigit: Best for budgeting tools
- Table of Contents
- How many Instagram followers do you need to make money?
- Why the Chase Freedom Unlimited® is better for most
- Where Allstate falls short
- Current Apple Card rewards categories
- Types of startup business funding
- How we ranked the top life insurers
- Our take
- Personalized versus average interest rates
- Information you need to freeze your credit
- 3. Get favorable terms on a new cell phone
- What is Bitcoin halving?
- 2. Is my goal in reach?
- Why do people invest in cryptocurrencies?
- How LLCs pay income taxes
- 4 steps to spot a fake check and avoid trouble
- 2. Shop for a loan
- How do Vanguard index funds work?
- Fiduciary financial advisors
- American Express Membership Rewards: The basics
- Holiday weekends
- Level 2: Faster, but requires extra hardware
- 2. Make a payment plan, delay payment or settle
- Medicare Part B late enrollment penalty
- Investing for income: Dividend stocks vs. dividend funds
- Some non-parents don’t plan to have kids because of the cost
- What are the benefits of Amazon Prime?
- Is credit activity reported to the credit bureaus for the authorized user?
- How to buy an ETF
- State availability
- Can you live off ETF dividends?
- What is the 10-year treasury yield today?
- 3. Look into an IRA
- Types of crypto loans
- Credit age matters, but other factors matter more
- Mortgage payoff calculator help
- Where The Hanover falls short
- The pros and cons of a life insurance trust
- Head of household
- Other (better) ways to purchase money orders
- Advantages of limited partnerships
- Does raising the minimum wage cause inflation?
- Globe Life insurance policies
- How does OASDI tax work if I’m self-employed?
- How to invest in gold ETFs
- Necessity doesn’t drive most retirement plan cash-outs
- Short-term CDs (1 year or less)
- Why is budgeting important?
- How does Bitcoin make money?
- How do United miles compare with other airlines?
- How do streaming services fit into your budget?
- Where to look for information
- 3. Get ready to pay some fees
- How to assume a mortgage
- What is home equity?
- Understanding closed-end funds
- 2. Initial credit limits may be quite low
- 4. Improve your chances of renting a home
- What do Medigap plans cover?
- Other alternatives to Mint
- What to look for in a travel-ready credit card pairing
- Limited FHA 203(k) loans
- How to monetize your Instagram with fewer followers
- What type of life insurance can I get with HIV?
- 5 reasons why a Roth IRA can be right for minors
- 3. Build a budget that works for your expenses
- Update your privacy settings
- Warning signs that you may have been selected for secondary screening
- How do you make money on TikTok Shop?
- Multi-day park admission deals
- State availability
- Savings accounts with strong APYs can help your money grow
- Save money for long-term care
- How to start a cleaning business in 7 steps
- Types of AI ETFs
- How we got here
- NerdWallet’s budget planner
- Historical national rates
- Use a credit utilization calculator
- Average cost of tires
- Disadvantages of limited partnerships
- Dividend vs. growth stocks
- Another money-change option: online currency converters
- How to make biweekly student loan payments
- Requirements: Who qualifies for the child tax credit?
- How a UCC filing impacts your business
- See CD rates by bank
- Nationwide pet insurance plans
- What is a Bitcoin strategy ETF?
- How to set up bill pay
- What can a crypto loan be used for?
- Our tips
- How we chose the cheapest companies in California
- How does a home equity loan work?
- Use a budget planner
- 5. Receive better car and home insurance rates
- State availability
- Can I contribute to a Roth IRA if my income is too high?
- Title insurance
- Are Vanguard index funds a good investment?
- Fiduciary duty vs. suitability standard
- Hidden costs of credit card gambling
- Credit cards
- Do all workers earn at least the minimum wage?
- How brokers are paid
- Medicare Part B penalty calculator
- Flight availability
- How to avoid fuel surcharges on award travel
- Paying with cash and points
- An alternative perspective to FIRE
- Median down payment by age
- Child care eats up a significant percentage of income for many
- How do I add someone/get added as an authorized user on a credit card?
- How do you start a budget?
- How much are Chase Ultimate Rewards® points worth?
- What are AI stocks?
- How your credit score affects your rate
- Average daily balance
- Are Disney VIP tours worth it?
- 3. Determine other ownership costs
- Good balance transfer cards
- Key differences between term life and whole life
- Standard FHA 203(k) loans
- Level 3/DC fast charging: Fastest, but not needed for everyday use
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- 2. Consider debt consolidation
- Frugal entertainment tips
- OASDI limit 2023
- If you decide to fight the ticket in court
- How long will your mortgage loan last?
- Earn a return elsewhere
- How to invest in dividend ETFs
- You decide: Is Bitcoin a good investment?
- When is the best time to use United miles?
- Best for extra perks: Aetna
- 4. Neither card offers perks
- Best no-exam life insurance policies in 2024
- How to buy a life insurance policy
- Types of municipal bonds
- How to buy AI ETFs
- Bonus cash back on memberships at gyms and fitness clubs
- How to pay off a mortgage early
- How much does a cashier’s check cost?
- When will Bitcoin reach its cap?
- 3 ways to minimize the effects on your credit
- 2. Empower: Best for fast cash
- All year
- 5 ways to make money on Instagram
- How are dividends paid out?
- California income tax deadlines and extensions
- Personal loans from credit unions
- Best car insurance companies: Our winners
- Medicare Part D late enrollment penalty
- Reliability
- 1. Derogatory mark: Missed payments
- Try a simple budgeting plan
- More ways to get ahead of student debt
- How to claim the child tax credit
- What happens if you have a boarding pass with SSSS on it?
- How to start a TikTok Shop as a seller
- Allstate home insurance coverage
- Apply extra student loan payments toward the principal
- Price vs. yield
- How a savings account works: withdrawal limits
- Top 8 Bitcoin strategy ETFs by fee
- Tap into 'living benefits' on a life insurance policy
- 3. Use mutual funds for the base of your portfolio
- Buying closed-end funds at a discount
- 6. Skip utility deposits
- How does a life insurance trust work?
- Why is Bitcoin still popular?
- Cheap cell phone plans from brands owned by the big three
- Average interest checking account rate: 0.08%
- Cost of term life vs. whole life
- I bonds calculator
- Should you form a limited partnership?
- Cheap car insurance after an accident by company
- OASDI limit 2024
- Where to exchange currency outside the U.S.
- Best in Texas for having few consumer complaints: Chubb
- What to ask your credit card issuer
- Redeeming Chase Ultimate Rewards points
- Pros and cons of crypto loans
- Advantages of assumable loans for sellers
- When you should lock your mortgage rate
- What is private equity?
- How to unfreeze your credit
- What it means for your money
- The Hanover home insurance coverage
- The Federal Trade Commission’s budget worksheet
- Am I stuck with Heartland ECSI until my loans are paid off?
- The bottom line
- Calculate your reduced Roth IRA contribution
- Taxes and fees
- Who can open a joint business account
- How much does it cost to buy Vanguard index fund shares?
- Is per-card or overall utilization more important?
- The best Florida condo insurance companies
- Full Review
- How employers can counteract the temptation to cash out
- Don’t forget to budget
- How do I remove someone/get removed as an authorized user?
- What’s next?
- How much do streaming services cost?
- New York state supplemental income tax
- 4. Save for college
- Relaxing rewards at the spa and salon
- Cheap car insurance in California by age
- How do streaming services fit into your budget?
- How to qualify for a hardship program
- 4. Find the right car for you
- How much are American Express Membership Rewards points worth?
- Rough road to victory
- 203(k) eligible projects
- 3. Tap an expert for assistance
- Globe Life customer complaints and satisfaction
- How to get a business loan without collateral
- Is the OASDI tax mandatory?
- What does generational wealth mean to Yang?
- Midrange CDs (2-3 years)
- When to choose a Marriott credit card
- Why you might want the Chase Sapphire Reserve® instead
- Sell your life insurance policy
- Which life insurance policy is right for me?
- 3. The APR is astronomical
- 7. Get a job
- Using the mortgage points calculator
- The good outweighs the bad
- 3. Enroll in autopay
- Treasury bond and note calculator
- 6 types of dividends
- AAA home insurance coverage
- Frugal DIY project tips
- How to qualify for life insurance with HIV
- Average down payment by state
- Some parents are taking or took steps to reduce child care costs
- Other opportunities to pay off student loans faster
- Popular and new tax credits for 2023 (taxes filed in 2024)
- Advantages of assumable loans for buyers
- How to buy closed-end funds
- Qualifying surviving spouse
- 3. Think 'SMART'
- How does a HELOC work?
- How do I know if I'm working with a fiduciary financial advisor?
- Labor costs
- How much should you spend on a mattress?
- Do I have to pay California state tax?
- Medicare Part D penalty calculator
- How to invest in dividend stocks
- Bank of America® Customized Cash Rewards credit card
- How many banks have collapsed?
- Types of UCC filings
- Can United miles be used on other airlines?
- The Bitcoin ETF price war
- 5. There are no other Merrick Bank credit cards to graduate to
- 5. Fund your FSA
- Should you consider municipal bonds?
- Cheapest for 20-year-old drivers
- Today’s rates for specific kinds of mortgages
- Other ways to access the Admirals Club
- What if I lose the cashier's check?
- 3. How will the new refinancing fee affect me?
- Disney VIP tour vs. Genie+ and Individual Lightning Lane
- What if my loans are transferred to ECSI?
- Seller concessions
- How to apply for a joint business bank account
- What states are increasing minimum wages in 2024?
- 3. Work with your creditors
- How Globe Life compares to other insurers
- 2. Derogatory mark: Account charge-off
- The bottom line
- Additional child tax credit
- My experience getting SSSS on my boarding pass
- How do you get a crypto loan?
- National grant programs open to Georgia businesses
- More ways to take charge of your budget
- Cheap cell phone plans from brands that resell network service
- How to form a limited partnership
- W-4 form 2024
- Where to avoid exchanging currency
- Allstate home insurance rates
- Why is the 10-year Treasury yield important?
- Get more help with monthly budget planning
- Best for local support: Blue Cross Blue Shield
- How much to keep in your savings account
- Use an annuity
- Types of life insurance trusts
- What to do if you can't pay your taxes
- Here’s how to reach Heartland ECSI customer service:
- Other Roth IRA rules
- 5. Contact the seller or visit a dealership
- Additional functionality
- How to choose between term and whole life insurance
- 3. EarnIn: Best for large advances
- Mattress-buying tips
- Personal loans from banks
- Paying with cash
- Consumer takeaways
- Which is preferable — an authorized user relationship or a joint account holder?
- Do spot Bitcoin ETFs have custodianship risk?
- Disadvantages of assumable loans for sellers
- Card details: Chase Freedom Flex℠
- How to invest in AI stocks
- Interest rate
- Alternatives to closed-end funds
- How does credit utilization affect my credit score?
- Treasury bills calculator
- More about Globe Life
- Booking Southwest flights to the Caribbean
- Is OASDI tax the same thing as Social Security tax?
- If you decide to negotiate the penalty
- Skip currency exchange: Use a credit or debit card
- Best homeowners insurance in Texas for consumer experience: Nationwide
- Storing your Bitcoins: Hot wallets vs. cold wallets
- When are New York state income taxes due?
- 6. Subsidize your dependent care FSA
- 4. Know when to leave it to the pros
- 4. The card reports to all three credit bureaus …
- 4. Can I reach my goal some other way?
- How does cryptocurrency work?
- Key points to keep in mind
- Contributing too much to a Roth
- Other costs for home sellers
- Should I do a balance transfer?
- Cash can still be king
- 4. Make biweekly payments
- Tesla charging stations
- What is California's standard deduction?
- Best for emergency medical coverage: Allianz Global Assistance
- Frugal home expenses tips
- How different airlines handle fuel surcharges
- Types of mortgage loans
- What Nationwide pet insurance covers
- Buy a combination long-term care/life insurance policy
- How much life insurance should I buy?
- 4. Write them down
- LLC payroll taxes
- How much does a fiduciary financial advisor cost?
- Average certificate of deposit rate: 1.81% for one-year CDs
- What are fleet cards?
- File income taxes as a limited partnership
- Minimum wage increases
- How to find the 2024 W-4
- Fees
- 3. Derogatory mark: Repossession
- Can I get my Social Security tax back if I’ve overpaid it?
- When to expect your child tax credit refund
- Long-term CDs (4-5 years)
- Universal vacation packages
- Are 10-year Treasury notes a good investment?
- Alternatives to savings accounts
- Do I have to pay New York state income tax?
- How to freeze your child’s credit
- Cashier’s check vs. certified check vs. money order
- Married filing jointly
- Refinancing with an FHA 203(k) loan
- Insurance broker vs. independent agent
- 4. Seek help through debt relief
- Cost of life insurance for people living with HIV
- Discounts
- How did we determine the value of United miles?
- 5. Treat yourself
- 6. Inspect and test-drive the car, if applicable
- Strategies for keeping your credit utilization low
- The cheapest Florida condo insurance companies
- What is the median household income in the U.S.?
- Cheap car insurance after an accident by state
- What percent down payment do you need for a house?
- Why did First Republic Bank fail?
- The 50/30/20 budget calculator
- When to consider the Capital One Quicksilver Cash Rewards Credit Card
- How to remove a UCC filing
- How can you reduce SSSS markings in the future?
- For travel
- What do the approvals mean for Bitcoin?
- 7. Rock your HSA
- Buy a short-term care insurance policy
- Disadvantages of assumable loans for buyers
- What part of my income gets taxed by California?
- How to find AI ETFs
- Tips to find cheap flights any day of the week
- How are cryptocurrencies created?
- How much does Medicare Supplement Insurance cost?
- Is a robo-advisor a fiduciary?
- 5. Pay off capitalized interest
- How do fleet cards work?
- Top states for limited partnerships
- What part of my income gets taxed by California?
- Other possible outcomes
- Full list of the best home insurance companies in Texas
- Things to consider
- HELOC requirements
- How do you buy Vanguard Index fund shares?
- 4. Varo: Best for existing bank customers
- Other factors that affect charging speed
- Do I have to update my W-4 every year?
- 4. Use budgeting or expense-tracking apps
- 2024 child tax credit news update
- How do you buy 10-year Treasury notes?
- Best for low-cost plan availability: Humana
- What are the risks of crypto loans?
- 3 investing myths
- Days in the cycle
- 5. … But there's no upgrade path
- Is condo insurance required in Florida?
- Who qualifies for an FHA 203(k)?
- 4. Derogatory mark: Collections
- Best life insurance companies for people with HIV
- Florida resident discount for Universal Orlando Resort
- What is New York state's standard deduction?
- When should you freeze your credit?
- How can I avoid cashier's check fraud?
- Alternatives to term and whole life insurance
- Next steps
- Summary of pros and cons of personal loan lenders
- Best custodial Roth IRAs
- Consumer complaints
- 8. See if you’re eligible for the earned income tax credit (EITC)
- How much do life insurance policies cost?
- Am I a resident for California state tax purposes?
- Using a credit card to visit American Airlines Admirals Clubs
- Why are there so many kinds of cryptocurrency?
- LLC self-employment taxes
- How to get a home equity line of credit
- 7. Determine which warranties are right for you
- 6. Stick to the standard repayment plan
- Am I a resident for California state tax purposes?
- The best airlines to fly to France with points and miles
- Exchange frequently? Consider a multicurrency account
- Why did Silicon Valley Bank fail?
- How much does homeowners insurance cost in Texas?
- Do you pay tax on T-notes?
- Which card should you get?
- Get help charting the right course
- The best benefit of the Disney VIP tour? Time saved
- How to evaluate dividends
- Other ways to buy insurance
- How to choose a lender
- It’s possible to get a lower rate after an accident
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Discounts
- How to adjust your Form W-4
- How to get life insurance with HIV
- The bottom line
- 5. Explore other expense-tracking methods
- Sharing a Prime membership Using Amazon Household
- How to join TikTok Shop as a creator
- What’s not covered
- Where to find the best savings accounts
- Recap: How to get a cashier's check
- How to switch plans and keep your number
- Learn how to start your business
- How do I get an FHA 203(k) loan?
- Interest-based passive income ideas
- Are these the best dividend stocks?
- For brand loyalty
- Build a CD ladder to bridge the gap
- Consumer experience
- Which card is right for you?
- Next Steps
- What do the approvals mean for other crypto investments?
- Am I a resident for New York state income tax purposes?
- Alternatives to borrowing against your crypto
- Could we be in an AI bubble?
- What's next?
- Cons of a credit freeze
- Which type of life insurance should I put in a trust?
- Married filing separately
- Depreciation examples
- What are the best Vanguard index funds?
- Average money market account rate: 0.66%
- What does Florida condo insurance cover?
- 5. Lower your living expenses
- Checking in for your Southwest Caribbean flight
- You might also like:
- U.S. Bank Cash+® Visa Signature® Card
- Assuming a mortgage after divorce or death
- LLC sales taxes
- How much can you borrow with a HELOC?
- When is the best time to sign up for Medicare Supplement Insurance?
- 7. Use 'found' money
- 5. Dave: Best for repayment flexibility
- Consumer complaints
- 5. Student loan delinquency or default
- The best place to exchange currency at the end of your trip
- 6. Look for ways to lower your expenses
- Is TikTok Shop safe?
- 9. Give it away
- Final thoughts on finding cheap Southwest flights
- How to fund a startup
- 8. Negotiate the best price
- Fleet fuel cards: benefits and drawbacks
- Are FHA 203(k) loans a good idea?
- Average cost of homeowners insurance in Texas by city
- Best of the Blues: Highmark
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There’s a lot to consider when buying a mattress — beginning with size, comfort and price.
We’ll leave size and comfort up to you, but we can help you sleep better by knowing that you got a good price. Here are some of the best times of the year to buy a mattress.
Late winter and early spring
When: March or April.
Why: By March or April, new mattress models will typically be in stores, according to Scott Paladini, who founded online mattress company Bear Mattress. As new mattresses arrive, shoppers can save money by opting for an older model or a floor sample straight from the showroom.
Why? It’s out with the old and in with the new. “Eventually the retailers will have to remove all of those beds and put the new models down,” Paladini says.
What to expect: A floor model could save you as much as 50% off the price, according to Julie Tramonte, a former sleep advocate for Verlo Mattress, which sells online and in stores. She recommends asking a manager when the store plans to turn over its inventory, as timing can vary. Keep in mind that floor models have likely been tested out by other shoppers.
Holiday weekends
When: Presidents Day, Memorial Day, Fourth of July, Labor Day and Black Friday.
Why: Mattress industry experts agree — holiday weekends are a prime time to shop. You can find deals throughout the year, but holidays offer widespread sales, says Jody Putnam, chief retail officer at Mattress Firm, which sells online and in stores.
“Most of the time there’s usually a couple beds here or a couple there that will be at sale prices, but at those major holidays, a larger portion of the products in the marketplace will be marked down,” Putnam says.
What to expect: Paladini estimates shoppers can save from 10% to 20% if they buy a mattress during a holiday promotion.
All year
When: Your current mattress is 7 to 10 years old.
Why: Maybe you don’t have the luxury of waiting for a seasonal sale because your bed is on the edge. The general consensus among industry experts is a 10-year-old mattress is nearing the end of its life, but that can vary by material and sleeper habits.
Your body can help you determine when it’s time to get a new one. For example, Tramonte says you may not notice your current mattress is lacking comfort until after you go on vacation and sleep on a different mattress.
What to expect: If your back or neck is aching, there are ways to find a good price — even if you can’t make your purchase during the times listed above. See some tips at the end.
How much should you spend on a mattress?
The answer to this question depends on your budget, as well as key factors like the size of the mattress and the type and quality of materials — think memory foam, innerspring or latex. So pick the model that suits your needs and your price point. You can likely find a good quality mattress for around $1,000 (sometimes less), according to Consumer Reports.
Mattress-buying tips
Keep these money-saving tactics in mind when buying your new bed:
Look online. You’ve probably watched mattress unboxing videos on social media. Online retailers such as Bear Mattress, Casper and Lull offer convenience and ship their mattresses to you in a compact box. Aside from the novelty, online prices can be competitive.
Test it out. Before you pick one, sleep on it. Many sellers offer a trial period. If you take a mattress home and decide to return it within a certain window (sometimes 100 to 120 nights), you’ll get a refund. That’s especially helpful if you buy from an online seller and haven’t felt the mattress first.
Get a guarantee. Look for a retailer that will guarantee its price, Putnam says. Some sellers will refund you the difference if the mattress you bought goes on sale within a given period after your purchase. At Mattress Firm, the 120-night price-guarantee window means you’ll likely be able to capitalize on the pricing from at least one major sale period.
Negotiate. Paladini says shoppers can negotiate. If you can’t get a retailer to come down in price, they may be willing to throw in a free pillow or accessory to make it worth your while.
Pay attention to price, not percentage off. A 50% off sale isn’t necessarily better than a 10% off deal, especially if the former mattress was substantially more expensive to begin with. It’s best to look at both the original and final price of the mattress, not just the percentage of the discount, Tramonte says.