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20
Nov

The Best Black Friday Deals For 2015

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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.
20
Nov

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

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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.

17
Nov

4 Tips That Help You Fix Bad Credit

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According to a recent report from the Corporation for Enterprise Development (CFED), 56 percent of consumers have subprime credit scores. Having bad credit means they are unable to take advantage of the best interest rates if they need or want to borrow money. The very best rates and terms are reserved for people who have excellent credit. Fortunately, there are some steps you can take to fix bad credit and boost credit scores. Following these tips can repair your credit and keep your credit score high in the future.

Stop Charging And Pay Down Balances

If it difficult to fix bad credit when you are constantly charging new purchases to your credit cards. In many cases, the reason that a person has bad credit is because they have overextended themselves financially with their credit cards. While you are attempting to fix your credit, put the credit cards away and pay down your balance as much as possible. Since nearly a third of your credit score is based on the percentage of available credit being used, bringing down the balances will improve your credit score.

Check Your Credit Report

The information on your credit report is the basis for your credit score. Unfortunately, nearly 25 percent of credit scores contain errors that negatively affect credit scores. You can get free copies of your credit reports from AnnualCreditReport.com to check for errors that could be bringing down your credit score. If any errors are found, they can be disputed with the credit reporting agency and removed from your records.

Automate Your Payments

If you need to fix bad credit because you forget to make payments on time, you could benefit from automating your payments through your bank or credit card company. Automating your payments allow you to set up recurring payments online so that they will always be made on time. Just make sure you have enough money in your account to cover the payment or the payment will not be made. The longer you pay your bills on time after being late, the more your credit score should increase.

Avoid Opening New Lines Of Credit

Opening new lines of credit can give your credit score a temporary boost by increasing the ratio of credit available to credit used, However, the tactic can be more harmful than useful in the long run if these new lines of credit are used to increase your debt. Opening new lines of credit can also hurt your credit score initially, as points are deducted each time your credit report is pulled for a credit inquiry.

12
Nov

Great Ways To Get Money For College

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The cost of college is increasing rapidly, with the average price of a four-year public college rising more than 15 percent since 2008. Students that want to complete a college education must often take out hefty loans to pay for tuition, books, and associated expenses. Fortunately, there are various ways to get money for college when you need it. Here are some of the best places to get money for college.

Scholarships

More than a million scholarships are awarded each year based on a wide variety of factors, including athletic ability, academic merit, disability, race, nationality, religious affiliation, relation to a cancer victim, location, and many more. Nearly everyone should be able to find quite a few eligible scholarships to apply for using tools like FastWeb’s free scholarship search.

Federal Grants

Federal assistance grants are available to most students who have not already earned a bachelor’s degree. A Federal Pell Grant can be up to $5,550 for the award year, for up to 12 semesters of aid total. A Federal Supplement Educational Opportunity Grant range from $100 to $4,000 per year and are given on a first come, first served basis. The TEACH Grant provides up to $4,000 per year to students who sign an agreement to serve as a teacher in certain high-need fields or in low-income areas for at least four years.

Federal Loans

Many students choose federal loans to get money for college because many qualify for loan forgiveness after a decade of on time payments. The Federal Perkins Loan provides up to $5,500 per year for undergraduate students with a fixed interest rate of 5 percent. Direct federal loans allow independent graduate students to borrow up to $138,000 for their college education.

Federal Work-Study Program

The Federal Work-Study Program provides jobs to undergraduate and graduate students with financial need. This allows them to earn money to help pay for education-related expenses with employers that will be flexible and work around their class schedule as much as possible.

Employer Based Tuition Assistance

Many employers are now offering tuition assistance programs for their employees, their spouses, and their children to help offset the cost of a college education. Ask your employer if there are any programs offered and how to apply for them to get money for college. Every dollar you can secure without a loan is a dollar you will not have to repay with interest once you have graduated.