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The Best Black Friday Deals For 2015


Black Friday is one of the most anticipated days of the year. For the people that choose to participate, Black Friday is the time to get great deals on gift items for family and friends as well as get something that they wanted for themselves at a steep discount. Most retailers participate in creating Black Friday deals that can draw in customers and pad their profits for the year. Here are some of the best Black Friday deals found for 2015.

Walmart Black Friday Deals

  • 55″ LG Smart 4K UHD TV – $698 (reg. $998)
  • 70″ Vizio Smart HDTV 1080p – $898 ($300 off)
  • iPad Air 2 Gold 16GB with Wi-Fi – $399 (reg. $499)
  • iPad mini 2 16GB with Wi-Fi – $199 (reg. $268)
  • Dyson DC33 Multi-Floor Bagless Upright Vacuum – $197 (reg. $269)
  • Fitbit Flex Wristband – $59 (reg. $99)
  • 24″ Granite Peak Mountain Bike – $59 (reg. $84.84)
  • Disney Frozen Elsa or Anna Toddler Doll – $15 (reg. $24.97)
  • Better Homes and Gardens 21-pc. Mixing Bowl Set – $9.72
  • Bath Towels, 6-pk Washcloths, or Hand Towels – $1.60

GameStop Black Friday Deals

  • PlayStation 4 500 GB “Uncharted: The Nathan Drake Collection” bundle — $299.99 ($50 off)
  • Aqua Blue PlayStation Vita system — $169.99 ($30 off)
  • PlayStation 3 pre-owned 250 GB console — $119.99 ($40 off)
  • PlayStation 3 pre-owned 80 GB console — $79.99 ($40 off)
  • Xbox One 500 GB “Gears of War: Ultimate Edition” bundle — $299.99 ($50 off)
  • Xbox One 1 TB Elite bundle — $499.99 ($50 off)
  • Xbox One 1 TB holiday value bundle — $349.99 ($50 off)
  • Xbox 360 320 GB  pre-owned console — $119.99 ($50 off)
  • Pre-owned Nintendo 3DS XL pre-owned system — $99.99 ($40 off)
  • Pre-owned Nintendo Wii system — $49.99 ($30 off)

Staples Black Friday Deals

  • 64GB iPad Air 2 in Gold with Wi-fi – $449 ($150 off)
  • 16GB iPad Mini – $299 ($100 off)
  • $100 off select Beats headphones
  • 20-40% off Philips audio products
  • $100 off Bose headphones
  • $100 off Bluetooth speakers.

RadioShack Black Friday Deals

  • BeoPlay S3 Wireless Speaker — $199.99 w/ $50 purchase (reg. $399.99)
  • Beats Pill 2.0 Wireless Speaker — $149.99 (reg. $199.99)
  • Beats Powerbeats2 Wireless Headphones — $139.99 (reg. $199.99)
  • Linksys AC1900 Wi-Fi Dual Band Router — $99.99 (reg. $199.99)
  • Linksys N600 Wi-Fi Range Extender — $39.99 (reg. $79.99)
  • Roku 3 Streaming Player — $79.99 (reg. $99.99)
  • Amazon 7″ Fire Tablet Bundle w/ 32GB memory card, free case — $54.99 (reg. $149.97)
  • Siberia V3 Headset — $59.99 (reg. $99.99)
  • Apex Gaming Keyboard — $69.99 (reg. $99.99)
  • Propel Micro Drone — $39.99 (reg. $49.99)

Target Black Friday Deals

  • 55″ Westinghouse LED TV – $249.99 (reg. $599.99)
  • 50″ Element LED TV – $239.99 ($200 off)
  • LG Smart 4K Ultra HD – $499.99 ($300 off)
  • Xbox One ‘Gears of War: Ultimate Edition’ bundle plus a $60 Target gift card – $299.99
  • HD Video Drone – $394.99 ($105 off)
  • Beats Solo Headphones – $96.99 ($103 off)
  • Nikon CoolPix L340 20MP Digital Camera – $99.99 (reg. $229.99)
  • Samsung Bluetooth Soundbar Subwoofer – $87.99 (reg. $179.99)
  • 25% off Apple TVs
If you are thinking about shopping on Black Friday, you can find out everything you need to know at The Penny Hoarder.

Don’t Listen to Your Brain’s Bad Reasons to Avoid Retirement Investment


Investing for your future life is the only way you can be sure that your retirement will be secure. Without retirement savings and investments, most people enter their golden years with more personal and financial vulnerability than they have previously experienced at any other point in life. This means that saving and investing for retirement should be a no-brainer. But you should tell that to your brain, because it doesn’t likely agree.

The brain has all kinds of inherent mechanisms to preserve your health and well being. But it doesn’t conceive of these needs very well when considering how they’ll work in the distant future. Complex brain imaging scans illustrate that people think of their future selves with no more clarity or care than they think about strangers. You wouldn’t give money to a stranger for their retirement, would you? If your brain thinks about your future self in the exact same way, why would it be easy to save for retirement?

Prudential understands how the brain works, and they’re here to help. By showing us exactly the ways in which our brains hang up our investment plans, it becomes easier to make contrary decisions to make sure that our retirements are prosperous ones. But it’ll take some work. For example, our brains tend to freeze up when presented with too many choices. We also have a hard time exhibiting financial restraint (or any other kind of restraint for that matter). We’re also prone to procrastination, and we even register the putting aside of money for saving or investment as just as uncomfortable as physical pain! Prudential understands all of these reasons and why they contribute to our lack of investment preparedness. They’re also here to help regular people like you and me overcome these mental obstacles and be ready for the future, however distant.


2016 Social Security And Medicare Guidelines Released


The guidelines for Social Security and Medicare for 2016 have been released by the Social Security Administration. While much has remained unchanged, there are some notable changes that could affect the amount of taxes you pay or the benefits you receive.

Cost Of Living Adjustment

Inflation in 2015, as measured by the Consumer Price Index, was too low to trigger a cost of living adjustment for monthly benefits for 2016. This is the third time there has been no Social Security payment increase since 1975 with the others in 2010 and 2011. For 2016, the average monthly benefit is expected to be $1,341 per month for retired workers and $2,212 monthly for retired couples who are both receiving benefits.

Earnings Limits

People ages 65 and younger who work and claim Social Security payments at the same time have a Social Security earnings limit of $15,720 in 2016. Those earning more will have $1 in benefits temporarily withheld for every $2 in earnings above the limit. The earnings limit rises to $41,880 for people who will turn 66 in 2016. Those earning more will have $1 in benefits temporarily withheld for every $3 in earnings above the limit. The earnings limit no longer applies once a retiree turns 66 in 2016.

Social Security Withholdings

The 2016 social security wage base is unchanged from 2015, remaining at $118,500. Earnings above this amount are not subject to the Social Security portion of the payroll tax or used to calculate retirement payouts. The maximum social security tax employees and employers will each pay in 2016 is also unchanged from 2015 and will remain at $7,347. In 2016, the maximum Social Security tax for a self-employed individual will be $14,694.

Medicare Withholdings

All covered wages are subject to the 1.45 percent Medicare tax and there is no limit to the wages subject to the tax. Employee wages in excess of $200,000 will be subject to an extra 0.9 percent Medicare tax.

Combined Tax Rates

The 2016 FICA tax rate (the combined Social Security tax rate and the Medicare tax rate) is 7.65 percent for 2016, up to the Social Security wage base. The self-employment tax rate will be 15.3 percent, up to the Social Security wage base.

Coverage Thresholds

The threshold for coverage under Social Security and Medicare for domestic employees is rising to $2,000 in 2016 from $1,900 in 2015. For election workers, the coverage threshold increases to $1,700 in 2016 from $1,600 in 2015.