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Coupons & Offers

Epic Games Store Offers $10 Coupon With Free Rocket League Download

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We may earn affiliate commissions from buying links, which help support our testing. Learn more.

Not only is the game now free-to-play, Epic gives you credit towards another purchase just for downloading it.

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Coupons & Offers

The Coupon Bureau and Hedera Hashgraph Move to Next Phase in Delivering Universal Digital Coupons

DALLAS, Sept.

24, 2020 /PRNewswire/ -- The Coupon Bureau (TCB), a non-profit, industry managed coupon data exchange technology platform that works with many of the largest consumer product goods (CPG) manufacturers and retailers, has moved into the next phase of development of its Universal Positive Offer File, which will leverage the Hedera Consensus Service (HCS) to create a universal digital coupon for the retail industry. The new universal digital coupon will provide a standardized and secure mechanism for coupon distribution by utilizing a singular centralized database of offers, which can be used across paper, mobile, or online commerce. "The COVID-19 outbreak has required the coupon and retail industry to find innovative ways to meet consumers' changing behavior, especially in the context of dramatically rising e-commerce sales and online deliveries," said Brandi Johnson, CEO of The Coupon Bureau. "There has never been a more urgent need for a universal digital coupon that crosses retail mediums, verticals and purchase environments, to provide consumers and retailers with the added layer of trust to serve their needs.

Today, we are proud to roll out the roadmap for sunsetting old coupon formats, and delivering a cohesive couponing experience for both retailers and consumers." The universal digital coupon will feature a new coupon application type, known as AI (8112), that will enhance coupon security and reduce fraud. Every coupon generated will have a digital fingerprint on the Hedera Consensus Service.

When a coupon is redeemed, it will also be recorded on HCS, so it cannot be used again or reproduced. This allows for online couponing, not currently available under the current standard. In addition, the activities of the centralized data exchange (UPOF) all pass through HCS for verifiability.

More information on how the integration works can be found at https://www.thecouponbureau.org/trustlayer. The move to a new universal digital coupon standard will see the phasing out of the existing legacy coupon type AI (8110) based on barcodes, once a majority of retailers are compatible with the AI (8112) type format. The sharp rise in touchless commerce since the COVID-19 outbreak is expected to hasten retailers' plans to become 8112 compatible. The Coupon Bureau is projected to be integrated with upwards of 70% of grocery retailers in 2021.

"Working with The Coupon Bureau has made clear the benefits of implementing a standardized framework for coupon usage that puts innovation and security at the heart of the coupon industry. Their work to deliver a standardized universal digital coupon across the industry will increase the accuracy of offer validation and increase efficiency through the centralized data usage," said Mance Harmon, CEO and Co-founder of Hedera Hashgraph. "We are delighted that they have selected to use HCS, the only service capable of delivering the throughput, visibility and security features the industry needs to deliver this next-generation of coupons to customers." About The Coupon Bureau

The Coupon Bureau's mission is to connect manufacturers, retailers, and consumers through technology and community, to build solutions to the issues of real time validated, retailer agnostic coupons and fraud prevention. A non-profit corporation, TCB works with members of leading coupon and retail associations - ACP, JICC, FMI (The Food Industry Association), GMA, CONEXXUS, Consumer Brands Association, and GS1 US - to develop new technology, support third-party technologists, deploy educational programs for industry stakeholders, and give back to the community. For more information visit www.thecouponbureau.org.

About Hedera Hedera is a decentralized public network on which developers can build secure, fair applications with near real-time finality. The platform is owned and governed by a council of the world's leading organizations including Avery Dennison, Boeing, Deutsche Telekom, DLA Piper, FIS (WorldPay), Google, IBM, LG Electronics, Magalu, Nomura, Swirlds, Tata Communications, University College London (UCL), Wipro, and Zain Group.

For more information, visit www.hedera.com, or follow us on Twitter at @hashgraph, Telegram at t.me/hederahashgraph, or Discord at www.hedera.com/discord. The Hedera whitepaper can be found at www.hedera.com/whitepaper. For Media Enquiries 
Zenobia Godschalk 
E: [email protected] 
T: 1.833.794.7537 x 717

Emily Kielthy 
E: [email protected] 
T: +353 87 097 2754

SOURCE Hedera Hashgraph

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Coupons & Offers

Rocket League Available For Free On Epic Games Store; Offers $10 Free Coupon

      

News oi-Vivek | Published: Thursday, September 24, 2020, 13:18 [IST]

If you are a PC gamer and haven't started using the Epic Games Store, then this might be the right time. The game store is offering several blockbuster titles like GTA: V for free for a limited time, and now Rocket League is also available for free but only for a limited period.

Rocket League Available For Free On Epic Games Store

Once you claim the free copy of the Rocket League, the game will be free to keep forever. On top of that, Epic Games Store is also offering a £10 coupon for everyone who gets Rocket League.

However, one needs to spend at least £14.99 to redeem this coupon. Rocket League is a game of cross-platform arcade-style soccer and vehicular mayhem and will be available for free till October 23. It is developed and published by Psyonix LLC and offers a single-player and multiplayer gaming experience.

Though the game is available for free, one can still buy add-on packs like the endo starter pack and jager pack at an additional cost. It is one of the highly-rated modern games that usually cost £15. It offers colorful graphics and even a mid-range gaming PC can easily handle this game without any issue.

When compared to modern AAA titles, Rocket League is a pretty small game and it takes 20GB of internal storage. It downloads around 15GB of data and makes sure to connect your computer to a high-speed internet connection to download the game faster. Minimum System Requirements For Rocket League

  • Operating System: Windows 7 64-bit
  • CPU: 2.5GHz Dual Core
  • GPU: NVIDIA GeForce 760, AMD Radeon R7 270X, or better
  • DirectX: DirectX 11
  • Storage Space: 20GB

Recommended System Requirements For Rocket League

  • Operating System: Windows 7 64-bit
  • CPU: 3.0+ GHz Quad-core
  • GPU: NVIDIA GeForce GTX 1060, AMD Radeon RX 470, or better
  • DirectX: DirectX 11
  • Storage Space: 20GB

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Agawam Library offers Boston Children’s Museum Weekend Passes

Agawam - The Agawam Library announces the immediate availability of Boston Children's Museum weekend passes, graciously provided by the Friends of the Agawam Library. These are available to reserve by Agawam and Feeding Hills residents 18 and older, with a CW/MARS library card in good standing. Each pass is valid only for the date listed and admits 4 people free of charge.

After receiving a library discount coupon from the library, patrons must then reserve their visit online with Boston Children's Museum.

New Instructions for Patrons!

Visit https://www.bostonchildrensmuseum.org/ticketing

Review the directions for timed tickets

Click on the "Discount Programs" & drop down arrow

Click on "Half Price Library Timed Ticket " to book

The date on the Library Discount Coupon must match the date of the patron's visit.

Once arriving at the Museum, visitors will proceed to the Admissions Scanning Station with their online reservation and the date specific Library Discount Coupon received from the library. Patron can present these digitally on a hand held device or as a paper print out.

Patrons with questions about the online ordering system should contact [email protected]

As venues reopen to the public, it is important to contact the zoo or museum you wish to visit, as each one has a different process for securing a time slot.

Please visit the library's website at www.agawamlibrary.org for availability.

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Coupons & Offers

4 Reasons to Avoid the GoodRx IPO

Initial public offerings from consumer-focused digital healthcare platforms have been terrific sources of gains for investors in 2020, and there's another big one on the way. Shares of GoodRx (NASDAQ:GDRX) are expected to begin trading soon, and plenty of everyday investors find the company's prospectus compelling. Digital coupons that route sales of prescription drugs through a pharmacy benefit manager (PBM) are increasingly popular.

GoodRx -- a price comparison app that offers such coupons -- stands to benefit from that rise. Before you dive in, though, there are a few things you should know.

A person sitting at a table in front of a laptop and a mug.

Image source: Getty Images.

1. It's a complicated business

Investors do best when they avoid businesses they don't understand.

Most don't realize the bizarre pricing structures that pervade America's uniquely fractured market for prescription drugs are more complicated than the science that produced those drugs.  When a consumer uses a GoodRx code to fill a prescription, GoodRx receives a portion of the fee the pharmacy must pay the PBM that facilitates the sale. Anyone who doesn't already understand how the PBM industry makes GoodRx's business model possible probably shouldn't hold it in their portfolio.

2.

House Resolution 3

Drugs cost more in the U.S. than they do almost anywhere else largely because the nation's largest end payers, Medicare and Medicaid, aren't allowed to use their enormous leverage to negotiate. Sensible healthcare reform might seem impossible at the moment, but that could change quickly. In December 2019, the House of Representatives voted 230-192 to send H.R.

3 to the Senate. This bill would allow the Department of Health and Human Services (HHS) to directly negotiate the prices it will pay for hundreds of different drugs. The resolution never got a vote in the Senate, but the matter could come up again in the future.

3.

Safe-harbor rollback

Healthcare plan sponsors and insurers that haven't already acquired PBM businesses of their own hire a PBM to negotiate drug prices on their behalf. Pharmaceutical companies must offer PBMs rebates to secure access to the patients they represent. If those rebates sound like payments for an illegal kickback scheme to you, you're not alone.

Discounts PBM wrestle from pharmaceutical companies are protected from Anti-Kickback Statute enforcement by a safe harbor regulation that exists for this sole purpose. Last February, HHS proposed a rule that would unwind that protection. That means the government could torpedo the PBM industry GoodRx relies on for around 90% of total revenue without enacting any new legislation.

4.

Contracting margins ahead

In 2019, GoodRx acquired a company that offers online applications for consultation with physicians called HeyDoctor. The service is popular, but not very profitable on its own. Instead of a digital coupon that simply directs prescription drug sales through a partnered PBM, HeyDoctor provides telehealth medical services at knockdown prices.

The vast majority of HeyDoctor visits end with prescriptions likely to be filled with an attached GoodRx coupon.

Person looking at a prescription pill bottle on a shelf.

Image source: Getty Images. People like paying just £20 to get a prescription for an Epi-Pen refill, but right now the service is squeezing profit margins. GoodRx hasn't broken out separate results for HeyDoctor, but it looks like the low-cost service provider could become an albatross around the company's neck if GoodRx's coupons stop performing.

In the first half of 2020, total revenue grew by an impressive 48% year over year to £256.7 million. Unfortunately, costs associated with producing that revenue more than doubled over the same period to £12.8 million. As a percent of total revenue, income from operations fell to 33% from 38% in the previous year period.

It could work

It probably isn't a good idea to invest in a company that relies so heavily on cash flows that could quickly evaporate.

That said, betting against a sharp rise in GoodRx's stock price isn't a good idea either. 

A continuation of the status quo could lead to steadily growing profits, even if margins get a little thinner.

In the medium term, a repeal of the Affordable Care Act could send a lot more customers into the arms GoodRx.

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Coupons & Offers

Get a head start on holiday saving with these helpful tips

With the holiday season less than 100 days away, it's already time to start preparing your shopping list. While 2020 has certainly not met anyone's expectations, there are traditions we all want to hold onto and make special for loved ones -- even if your budget has changed considerably this year. A little bit of planning can go a long way when preparing for the holiday season, a time that often results in people spending beyond their means.

Last year, Americans racked up more than £1,000 in holiday debt, according to MagnifyMoney's annual post-holiday debt survey. Of the respondents, 78% reported that they wouldn't be able to pay off their credit cards by January, and 15% said they could only make minimum payments. No matter how ready we think we are for the holiday season, December always seems to arrive at lightning speed.

This year, Americans made record gains in paying off credit card debt as a result of stay-at-home orders and the recession. And since the holidays might look a little bit different this year, with smaller gatherings and more time at home, it might be the perfect time to put a new plan in place with the goal of avoiding a big credit card balance come January 1. Below, CNBC Select offers 5 steps to help you prepare financially for the holidays.

1.

Make a list

Start with a list of everyone you usually buy gifts for, from your mother-in-law to your cousin's kids. If you don't know what you want to buy them yet, you can simply assign them a price range. At this stage, it's best to overestimate a little to account for tax and shipping fees.

After you have your list of gift recipients, begin to think about other costs associated with the holidays. Will you be sending Christmas cards this year? Are you hosting Thanksgiving?

Even if you're planning a smaller get together, it's important to consider the costs early.  This is also a good time to start planning your holiday travel. While many people might choose to stay closer to home because of Covid-19, you could find yourself taking more day trips, or even driving long distances by car.

Include any estimated travel costs in your list of holiday expenses.

2. Build a budget and start saving

After you make a list of your upcoming expenses, look at your current budget so you can make a plan for how to pay for everything. Now is a good time to start stashing extra cash so you can be ready for the additional spending, either in your current savings account or in a new account designated just for the holidays. 

The Ally Online Savings Account is a good choice for when you want to create separate savings "buckets" all within one savings account. Account holders can organize their saving goals by creating up to 10 different funds within the same savings account. For instance, you could create a bucket for holiday gifts and another for upcoming travel.

Ally Bank Online Savings Account

Ally Bank Online Savings Account

On Ally Bank's secure site

  • Annual Percentage Yield (APY)

  • Minimum balance

  • Monthly fee

  • Maximum transactions

    Up to 6 free withdrawals or transfers per statement cycle

  • Excessive transactions fee

    £10 per transaction

  • Overdraft fees

  • Offer checking account?

  • Offer ATM card?

    Yes, if have an Ally checking account

Pros

  • Strong annual percentage yield on all balance tiers
  • No minimum balance
  • No monthly fees
  • Up to 6 free withdrawals or transfers per statement cycle
  • Option to add a checking account
  • ATM access if you have a checking account

Cons

  • £10 fee per transaction if you make more than 6 in a statement cycle
  • £25 overdraft fee

"Start setting aside a small amount from each paycheck now for holiday spending," Texas-based certified financial planner, Brandon Renfro tells CNBC Select. "Spreading the savings out over several months will make it easier to absorb into your budget, and limiting yourself to spending the balance will keep you from going into debt when the holidays come."

3.

Use coupons

While you can certainly still find paper coupons in your mailbox and newspaper inserts, the definition of coupon has changed a bit in recent years. There's an easier, faster way to search for discounts that doesn't require scissors: using a browser extension for online shopping. One of the most popular browser coupon extensions is Honey.

When you're checking out at nearly any online store, Honey automatically scans the web for coupon and promo codes and finds you the best savings before you click "Buy." The service is free, and you can even earn Honey rewards in the form of cash back on purchases over time. Other services include Rakuten, which is like Honey but features rotating cash-back offers; Pricescout, which comparison shops to find you the best price; Gumdrop by Goodshop which helps you locate deals and donates a portion of eligible purchases to a school or nonprofit; and Coupon Cabin, which gives you price-saving tips based on your Google searches. (These extensions are compatible with Google Chrome.)

4. Get a 0% APR card with rewards

If cash is tight right now and you want to pay off your holiday purchases over the course of 12 months or more, consider applying for a card with introductory 0% APR.

You need to have good to excellent credit to qualify for a no-interest credit card. Using a card with introductory 0% APR gives you a temporary period of time to pay off your bigger holiday purchases without incurring any interest fees. Usually, the no-interest period lasts 12 to 18 months (with a few exceptions), after which you'll start paying normal APR on your balance.

You still have to pay the minimum during the intro period. Right now, one of the best credit cards with 0% APR offer is the Chase Freedom FlexSM. It offers a competitive cash-back program in addition to its special financing that can help you earn additional money on what you spend.

The cash-back calendar changes every quarter, but from October through December cardholders can earn 5% cash back on up to £1,500 in Walmart and Pay Pal purchases. (Learn more about how Chase classifies bonus category purchases.) On top of its cash-back rewards, the Chase Freedom Flex comes with a current welcome bonus that's especially helpful for holiday shopping: Earn a £200 bonus after you spend £500 on purchases in the first 3 months from account opening, plus 5% cash back on grocery store purchases (excluding Target and Walmart) on up to £12,000 spent in the first year. If you plan on hosting a holiday gathering, this might be the card to consider. 

Chase Freedom FlexSM

Chase Freedom FlexSM

On Chase's secure site

  • Rewards

    5% cash back on grocery store purchases (not including Target(R) or Walmart(R) purchases) on up to £12,000 spent in the first year, 5% cash back on up to £1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards(R) portal, 3% cash back on dining and at drug stores, 1% cash back on all other purchases

  • Welcome bonus

    £200 cash back after you spend £500 on purchases in your first 3 months from account opening

  • Annual fee

  • Intro APR

    0% for the first 15 months on purchases

  • Regular APR

    14.99% to 23.74% variable

  • Balance transfer fee

    Either £5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

    Excellent/Good

Pros

  • No annual fee
  • Generous welcome bonus
  • Opportunity to earn up to 5% cash back in select categories upon activation
  • Rewards can be transferred to a Chase Ultimate Rewards card
  • Long intro 0% APR period for purchases

Cons

  • Bonus categories must be activated each quarter
  • 3% fee charged on foreign transactions
  • Estimated rewards earned after 1 year: £814
  • Estimated rewards earned after 5 years: £2,647

Rewards totals incorporate the cash back earned from the welcome bonus

If your credit score is hovering between fair and good, but you want to apply for a 0% APR card before December, consider signing up for  Experian Boost.

The service is completely free and allows you to get credit for paying some utility and telecommunication bills on time (think cell phone bill, Netflix and/or internet). On average, users see a 13-point increase in their FICO Score, making them more competitive for rewards cards with premium perks.

5. Sign up for credit monitoring

One of the downsides of holiday shopping is that it deviates from our normal behavior and makes it easier for fraudsters to get personal information. Since most of us are doing more online shopping than normal, a large purchase might go undetected.

And since we're all so busy, we might not check our credit card statements as closely as we should. To put your mind at ease, sign up for a credit monitoring service and set up alerts on your credit cards. While credit monitoring services cannot prevent fraud, they will alert you as soon as a red flag shows up on your account.

CNBC Select reviewed the top free and paid credit monitoring services, and IdentityForce(R) UltraSecure and UltraSecure+Credit ranked as the best paid services. They offer the most extensive security features, which monitor your information on more than just shopping sites. This includes the dark web, court records and social media (where a lot of phishing and scam posting happens).

If something looks off, you'll receive alerts for potential fraud on your bank, credit card and investment accounts, as well as the use of your medical ID, social security number and address.

IdentityForce(R) UltraSecure and UltraSecure+Credit

IdentityForce(R) UltraSecure and UltraSecure+Credit

On Identity Force's secure site

  • Cost

    2 months free on all annual plans UltraSecure: £8.99/mo, £89.90/yr UltraSecure+Credit: £19.99/mo, £199.90/yr

  • Credit bureaus monitored

    Experian, Equifax and TransUnion

  • Credit scoring model used

    VantageScore

  • Dark web scan

  • Identity insurance

    Yes, up to £1 million

See our methodology, terms apply. To learn more about IdentityForce(R), visit their website or call 855-979-1118. 

If you want to start with a free credit monitoring service, CreditWise(R) from Capital One is a good choice that doesn't require you to enter a credit card number to sign up. It's open to anyone, whether or not you are a Capital One account holder.

When you sign up, you'll receive an updated VantageScore credit score from TransUnion every week along with credit report updates from TransUnion and Experian in real time.

CreditWise also offers dark web scanning and social security number tracking.

CreditWise(R) from Capital One

CreditWise(R) from Capital One

Information about CreditWise has been collected independently by CNBC and has not been reviewed or provided by the company prior to publication.

  • Cost

  • Credit bureaus monitored

    TransUnion and Experian

  • Credit scoring model used

    VantageScore

  • Dark web scan

  • Identity insurance

To learn more about IdentityForce(R), visit their website or call 855-979-1118.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff's alone, and have not been reviewed, approved or otherwise endorsed by any third party.

Categories
Coupons & Offers

How to Get a Head Start on Holiday Saving

With the holiday season less than 100 days away, it's already time to start preparing your shopping list. While 2020 has certainly not met anyone's expectations, there are traditions we all want to hold onto and make special for loved ones -- even if your budget has changed considerably this year. A little bit of planning can go a long way when preparing for the holiday season, a time that often results in people spending beyond their means.

Last year, Americans racked up more than £1,000 in holiday debt, according to MagnifyMoney's annual post-holiday debt survey. Of the respondents, 78% reported that they wouldn't be able to pay off their credit cards by January, and 15% said they could only make minimum payments. No matter how ready we think we are for the holiday season, December always seems to arrive at lightning speed.

This year, Americans made record gains in paying off credit card debt as a result of stay-at-home orders and the recession. And since the holidays might look a little bit different this year, with smaller gatherings and more time at home, it might be the perfect time to put a new plan in place with the goal of avoiding a big credit card balance come January 1. Below, CNBC Select offers 5 steps to help you prepare financially for the holidays.

1.

Make a list

Start with a list of everyone you usually buy gifts for, from your mother-in-law to your cousin's kids. If you don't know what you want to buy them yet, you can simply assign them a price range. At this stage, it's best to overestimate a little to account for tax and shipping fees.

After you have your list of gift recipients, begin to think about other costs associated with the holidays. Will you be sending Christmas cards this year? Are you hosting Thanksgiving?

Even if you're planning a smaller get together, it's important to consider the costs early.  This is also a good time to start planning your holiday travel. While many people might choose to stay closer to home because of Covid-19, you could find yourself taking more day trips, or even driving long distances by car.

Include any estimated travel costs in your list of holiday expenses.

2. Build a budget and start saving

After you make a list of your upcoming expenses, look at your current budget so you can make a plan for how to pay for everything. Now is a good time to start stashing extra cash so you can be ready for the additional spending, either in your current savings account or in a new account designated just for the holidays. 

The Ally Online Savings Account is a good choice for when you want to create separate savings "buckets" all within one savings account. Account holders can organize their saving goals by creating up to 10 different funds within the same savings account. For instance, you could create a bucket for holiday gifts and another for upcoming travel.

Ally Bank Online Savings Account

Ally Bank Online Savings Account

On Ally Bank's secure site

  • Annual Percentage Yield (APY)

  • Minimum balance

  • Monthly fee

  • Maximum transactions

    Up to 6 free withdrawals or transfers per statement cycle

  • Excessive transactions fee

    £10 per transaction

  • Overdraft fees

  • Offer checking account?

  • Offer ATM card?

    Yes, if have an Ally checking account

Pros

  • Strong annual percentage yield on all balance tiers
  • No minimum balance
  • No monthly fees
  • Up to 6 free withdrawals or transfers per statement cycle
  • Option to add a checking account
  • ATM access if you have a checking account

Cons

  • £10 fee per transaction if you make more than 6 in a statement cycle
  • £25 overdraft fee

"Start setting aside a small amount from each paycheck now for holiday spending," Texas-based certified financial planner, Brandon Renfro tells CNBC Select. "Spreading the savings out over several months will make it easier to absorb into your budget, and limiting yourself to spending the balance will keep you from going into debt when the holidays come."

3.

Use coupons

While you can certainly still find paper coupons in your mailbox and newspaper inserts, the definition of coupon has changed a bit in recent years. There's an easier, faster way to search for discounts that doesn't require scissors: using a browser extension for online shopping. One of the most popular browser coupon extensions is Honey.

When you're checking out at nearly any online store, Honey automatically scans the web for coupon and promo codes and finds you the best savings before you click "Buy." The service is free, and you can even earn Honey rewards in the form of cash back on purchases over time. Other services include Rakuten, which is like Honey but features rotating cash-back offers; Pricescout, which comparison shops to find you the best price; Gumdrop by Goodshop which helps you locate deals and donates a portion of eligible purchases to a school or nonprofit; and Coupon Cabin, which gives you price-saving tips based on your Google searches. (These extensions are compatible with Google Chrome.)

4. Get a 0% APR card with rewards

If cash is tight right now and you want to pay off your holiday purchases over the course of 12 months or more, consider applying for a card with introductory 0% APR.

You need to have good to excellent credit to qualify for a no-interest credit card. Using a card with introductory 0% APR gives you a temporary period of time to pay off your bigger holiday purchases without incurring any interest fees. Usually, the no-interest period lasts 12 to 18 months (with a few exceptions), after which you'll start paying normal APR on your balance.

You still have to pay the minimum during the intro period. Right now, one of the best credit cards with 0% APR offer is the Chase Freedom FlexSM. It offers a competitive cash-back program in addition to its special financing that can help you earn additional money on what you spend.

The cash-back calendar changes every quarter, but from October through December cardholders can earn 5% cash back on up to £1,500 in Walmart and Pay Pal purchases. (Learn more about how Chase classifies bonus category purchases.) On top of its cash-back rewards, the Chase Freedom Flex comes with a current welcome bonus that's especially helpful for holiday shopping: Earn a £200 bonus after you spend £500 on purchases in the first 3 months from account opening, plus 5% cash back on grocery store purchases (excluding Target and Walmart) on up to £12,000 spent in the first year. If you plan on hosting a holiday gathering, this might be the card to consider. 

Chase Freedom FlexSM

Chase Freedom FlexSM

On Chase's secure site

  • Rewards

    5% cash back on grocery store purchases (not including Target(R) or Walmart(R) purchases) on up to £12,000 spent in the first year, 5% cash back on up to £1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards(R) portal, 3% cash back on dining and at drug stores, 1% cash back on all other purchases

  • Welcome bonus

    £200 cash back after you spend £500 on purchases in your first 3 months from account opening

  • Annual fee

  • Intro APR

    0% for the first 15 months on purchases

  • Regular APR

    14.99% to 23.74% variable

  • Balance transfer fee

    Either £5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

    Excellent/Good

Pros

  • No annual fee
  • Generous welcome bonus
  • Opportunity to earn up to 5% cash back in select categories upon activation
  • Rewards can be transferred to a Chase Ultimate Rewards card
  • Long intro 0% APR period for purchases

Cons

  • Bonus categories must be activated each quarter
  • 3% fee charged on foreign transactions
  • Estimated rewards earned after 1 year: £814
  • Estimated rewards earned after 5 years: £2,647

Rewards totals incorporate the cash back earned from the welcome bonus

If your credit score is hovering between fair and good, but you want to apply for a 0% APR card before December, consider signing up for  Experian Boost.

The service is completely free and allows you to get credit for paying some utility and telecommunication bills on time (think cell phone bill, Netflix and/or internet). On average, users see a 13-point increase in their FICO Score, making them more competitive for rewards cards with premium perks.

5. Sign up for credit monitoring

One of the downsides of holiday shopping is that it deviates from our normal behavior and makes it easier for fraudsters to get personal information. Since most of us are doing more online shopping than normal, a large purchase might go undetected.

And since we're all so busy, we might not check our credit card statements as closely as we should. To put your mind at ease, sign up for a credit monitoring service and set up alerts on your credit cards. While credit monitoring services cannot prevent fraud, they will alert you as soon as a red flag shows up on your account.

CNBC Select reviewed the top free and paid credit monitoring services, and IdentityForce(R) UltraSecure and UltraSecure+Credit ranked as the best paid services. They offer the most extensive security features, which monitor your information on more than just shopping sites. This includes the dark web, court records and social media (where a lot of phishing and scam posting happens).

If something looks off, you'll receive alerts for potential fraud on your bank, credit card and investment accounts, as well as the use of your medical ID, social security number and address.

IdentityForce(R) UltraSecure and UltraSecure+Credit

IdentityForce(R) UltraSecure and UltraSecure+Credit

On Identity Force's secure site

  • Cost

    2 months free on all annual plans UltraSecure: £8.99/mo, £89.90/yr UltraSecure+Credit: £19.99/mo, £199.90/yr

  • Credit bureaus monitored

    Experian, Equifax and TransUnion

  • Credit scoring model used

    VantageScore

  • Dark web scan

  • Identity insurance

    Yes, up to £1 million

See our methodology, terms apply. To learn more about IdentityForce(R), visit their website or call 855-979-1118. 

If you want to start with a free credit monitoring service, CreditWise(R) from Capital One is a good choice that doesn't require you to enter a credit card number to sign up. It's open to anyone, whether or not you are a Capital One account holder.

When you sign up, you'll receive an updated VantageScore credit score from TransUnion every week along with credit report updates from TransUnion and Experian in real time.

CreditWise also offers dark web scanning and social security number tracking.

CreditWise(R) from Capital One

CreditWise(R) from Capital One

Information about CreditWise has been collected independently by CNBC and has not been reviewed or provided by the company prior to publication.

  • Cost

  • Credit bureaus monitored

    TransUnion and Experian

  • Credit scoring model used

    VantageScore

  • Dark web scan

  • Identity insurance

To learn more about IdentityForce(R), visit their website or call 855-979-1118.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff's alone, and have not been reviewed, approved or otherwise endorsed by any third party.

Categories
Coupons & Offers

Publix deals Sept. 23-29: Chicken wings, shrimp, Chobani, Super Pretzel, Juicy Juice

* This post contains affiliate links and we may earn a small commission if you use them. The Publix ad this week has some nice buys on chicken wings, shrimp, Oscar Mayer beef franks, Chobani Greek Yogurt, oat milk, Smart Ones Entrees, Super Pretzel, Talenti Gelato, Chex Mix, Juicy Juice, coffee and more!

New Raleigh Publix

The newest Publix supermarket in Raleigh opened on Wednesday, September 2! The store is located at 417 W Peace St. in Raleigh, NC. See all the details HERE.

Publix Store Front

These deals are valid September 23-29, 2020.

Coupon: Check your Publix ad for a coupon for £10 off a purchase of a £50 gas card when you spend £50 on groceries.

Produce

Hass avocados, .89 each Baby carrots, 1 lb, .99 GreenWise organic whole carrots, 1 lb bag, .99

Russet Potatoes, .99/lb Red or white seedless grapes, £1.89/lb Red n Tasty Tomato, £1.99/lb

Fresh Attitude Salad, 5 oz, £2 Organic red or white seedless grapes, £2.49/lb Broccoli, £2.50

Driscoll's raspberries, 6 oz, £2.50 Pineapple, peeled and cored, £2.99 Publix yellow onions, 3 lb bag, £2.99

Cotton Candy Grapes, £3.99/lb GreenWise Organic Fuji Apples, 2 lb bag, £3.99 GreenWise Organic Romaine Hearts, 3 count bag, £3.99

GreenWise Organic Russet Potatoes, 3 lb bag, £3.99 Mandarins, 3 lb bag, £4.99 Fresh Express Salad Kit, select, BOGO

Meat

Publix split chicken breast, bone-in, £1.99/lb

Publix chicken wings, £2.99/lb GreenWise Ground Turkey, 93% lean, 16 oz, £3.99 Lean ground beef, £4.49/lb

Medium White Shrimp, easy to peel, 41 to 50/lb, £4.99/lb Chuck roast, boneless, £5.49/lb GreenWise Angus eye round roast, £5.49/lb

Publix whole pork tenderloins, boneless, £5.99/lb GreenWise Angus Top Sirloin Steaks, £6.99/lb New York Strip Steak, boneless, £7.99/lb

GreenWise Smoked Chicken Sausage, 12 oz, £5.50 Cooked Perfect Meatballs, 18 to 32 oz, BOGO Oscar Mayer beef franks, 14-16 oz, BOGO

Dairy

Publix Greek Yogurt, 5.3 oz, .90

Daisy Sour Cream or Cottage Cheese, 16 oz, BOGO for up to £1.35 each Kozy Shack Pudding, 22 oz tub or 4 to 6 pack, BOGO for up to £1.65 each Chobani Greek Yogurt, select Regular Flip, Less Sugar, 4 packs, BOGO - £1/2 coupon from 8/30 SS (exp 9/26)

Chobani Oat Milk, 52 oz, or Creamer 24 oz, BOGO - £1 coupon from 8/30 SS (exp 9/26) Ithica Hummus, 10 oz, BOGO for £2.50 each Silk Plant Based Milk, select, 64 oz, £3 - £1/2 coupon from Smart Shopper coupons link

Laughing Cow Wedges or Dippers, 6 oz, BOGO

Frozen

Devour Entrees, select, BOGO for up to £1.99 each Smart Ones Entrees, select, BOGO for up to £1.99 each - £1.50/4 coupon from Smart Shopper coupons link Baskin-Robbins Ice Cream, 14 oz, BOGO for £1.99 each

Super Pretzel Soft Pretzels or Pretzel Bites, 12 - 21.78 oz Sale: BOGO for up to £2.50 each Coupons: £1 coupon from 9/27 SS, .50 or .75 ibotta cash back offers

Talenti Gelato, Layers or Sorbetto, BOGO for up to £2.99 - £1.25/1 and £2.50/2 coupons from Smart Shopper coupons Hungry Man Dinners, 13.1 - 16 oz, BOGO Sara Lee Pound Cake or Cheesecake, or Coffee Cake, 2.75 oz to 30 oz box, BOGO - £1 ibotta cash back offer for 4 count Mini Cheesecakes (if included in sale)

Tombstone Pizza, select, Buy 2 Get 1 Free

Shelf Stable

Vigo Saffron Rice, 8 oz, .89 Chex Mix, Bugles, Gardetto's snack mixes, 7.5 - 8.75 oz, BOGO for £1.07 each GreenWise Bakery Bagels, 4 count, BOGO for £1.10 each

Bush's Best Organic Beans, 15 or 16 oz, can, £1.25 Publix Croutons, 5 oz bag, £1.25 Wish-Bone salad dressing, 15 oz, BOGO for up to £1.30 each

Late July Organic Snack Chips, or Tortilla Chips or No Grain Tortilla Chips, 5.5 or 6 o, BOGO for £1.75 each - .75 and £1 ibotta cash back offers Nature's Own Wheat Bread, Whole Grain, 20 oz or Whole Wheat Buns, 8 count, BOGO for up to £1.85 each Northland 100% Juice Blend, 64 oz, BOGO for £1.95 each

Juicy Juice 100% Apple Juice or Juice Blend, 64 oz, or 8 pack boxes, BOGO for up to £1.99 each - .75/1 or £1/2 coupons from 8/16 SS Chi-Chi's Salsa, 16 oz, £2 Del Monte Fruit Cups, 4 pack or 2 pack 7 oz cups, £2 - £1/2 coupon from 9/13 SS or .75/2 printable coupon

Truvia Sweetener, 40 count or 2.7 oz bottle, BOGO for up to £2.15 each - £1 printable coupon when you sign up (looks like they mail the coupon) Arnold Whole Grains Bread or Country Loaf, 24 oz, BOGO for £2.25 each Chock full o'Nuts ground coffee, 10.3 to 11.3 oz can, BOGO for £2.25 each

Celestial Seasonings tea, 18 or 20 count, BOGO for up to £2.30 each Lay's Chips, Poppables or Kettle Cookes, select, 5-8 oz, £2.50 Publix Bakery Danish Coffee Cake Strips, 14 or 15 oz, BOGO for £2.50

Bubly Sparkling water, 8 pack cans, £3 Eight O Clock Coffee, 10-12 oz bag or 12 count k-cups, BOGO for up to £3.99 each Seattle's Best Coffee, 10 count k-cups or 12 oz bag, BOGO for up to £3.99 each - £1 printable coupon

Uncle Ben's Converted Enriched Rice, long grain, 5 lb bag, BOGO for £4.44 Lavazza ground coffee, 12 oz or k-cups 10 count, BOGO for £5.50 each Back to Nature Crackers, or Cookies or Graham Sticks, select, 4-12 oz, BOGO

General Mills cereal, select Chex, GoodBelly, Wheaties, Basic 4, Fiber One, Oatmeal Crisp, Raisin Nut Bran, 9.6 - 20.8 oz Sale: BOGO Coupon: £1/2 coupon from Smart Shopper coupons link, £1.50/3 coupon from 8/16 SS, £1/2 Savingstar cash back offer

Harvest Snaps Crisps, 3 oz, BOGO Kellogg's Cereal, select Froot Loops, Apple Jacks, Corn Pops, Frosted Flakes, Mini Wheats, 14.6 - 24 oz Sale: BOGO

Coupons: £1/1 Kellogg's cereal coupon from Kelloggsfamilyrewards.com when you redeem 850 points, various .50 to £1/2 coupons and £1/3 Kellogg's cereal coupon from Kelloggsfamilyrewards.com in the Coupons tab, £1/2 coupons from 8/30 RMN, £5 Savingstar cash back offer when you spend £25 on cereal Mrs. Butterworth's Syrup, 24 oz, BOGO

Nabisco Chips Ahoy cookies, 7-15.25 oz, select, BOGO - .75 Checkout 51 offer Nabisco Ritz Crackers, select, BOGO - .75 Checkout 51 offer Post Cereal, select, BOGO - .50 ibotta cash back offer for Oreo O's cereal

Skippy Peanut Butter, 26.5 or 40 oz jar, BOGO - .75/2 coupon from Smart Shopper coupons Spindrift Sparkling Water, 8 pack cans, BOGO Sweet Baby Ray's BBQ sauce, 18.5 - 28 oz, BOGO

Thomas' English Muffins, 12 or 13 oz, BOGO

Non Food

Arm & Hammer laundry detergent, 61.25 - 75 oz or 24 to 32 count, BOGO Hefty EZ Foil Pans, select, BOGO Purina Tidy Cats cat litter, 20 lb, BOGO

.

Publix Coupon Policy basics:

* No double coupons in NC stores * Limit of 8 of the same coupons per day * Publix accepts competitor's coupons and competitor's prescription coupons (at the pharmacy).

The competitor's for each store varies so ask at customer service. * Can use a Manuf. coupon AND a Publix or Competitor's coupon on the same item * Cannot combine the manufacturer's digital coupons from their website with paper manufacturer coupons

* No % off or % off total coupons are accepted * No mobile coupons are accepted * Coupons for a total off your total order (like £5 off a £20 purchase) will be limited to one Publix and one competitor's coupon per day

* Rain checks are only issued for items that are advertised outside the store (on the radio or TV, or in the weekly ad, mailer, or Internet site) * No rain checks will be issued for Publix, competitor's, or manufacturer's coupons. You can see their full coupon policy on their website.


Additional Information * There is no reward card for Publix stores * Sign up on Publix.com for digital coupons and use your phone number at register to redeem them

* Find store coupons in the in-store coupon booklet * BOGO (buy one get one free) offers are each considered a separate purchase and each rings up at half price. A coupon maybe used on each item.

* Download the mobile app. to see sales

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Categories
Coupons & Offers

Discount grocery giants plan to lure back UK bargain-hunters

Cut-price grocers Lidl and Aldi, which only sell through brick-and-mortar stores, may have missed out on the boom in e-commerce during the pandemic, but are now planning to increase volumes as consumers go bargain hunting. During the recent lockdown, all supermarkets benefited from a switch in consumer spending from pubs and restaurants to in-home products; but traditional supermarkets, with their online-delivery offerings, benefitted most. The UK's Big Four - Tesco, Sainsbury, Asda and Morrison - beefed up online delivery massively, doubling online sales' share of the grocery market to 13% in the process.

During May, the Financial Times reports, Tesco saw sales grow at a faster rate than Aldi for the first time in ten years - although Lidl's sales have grown faster than both. Most observers, though, believe the migration to online grocery shopping is a permanent trend, which creates a challenge for discount retailers which are focused on in-store sales. In response, Aldi has started a click-and-collect service and has also teamed up with Deliveroo.

But these initiatives are not in the same league as the large-scale online delivery services offered by traditional supermarket rivals. Aldi says it is "listening closely to customer feedback" on both of its new services, but anything it decides to do online will have to be aligned with its "low-cost operating model". Despite the challenges, both Lidl and Aldi say they still plan to open more stores in the coming years, hoping to attract more consumers squeezed by the expected economic downturn.

Aldi plans to open a further 310 stores in the UK by 2025, giving it a total of 1,200; Lidl aims to open about 50 new stores each year. Rival supermarkets are conscious that price will be a key battleground over the coming months. Tesco has already promised to price-match Aldi on certain everyday products; Morrisons recently cut prices on 400 products, and Asda is also expected to reduce prices.

And, as both Aldi and Lidl aim to offer the lowest prices on the market, a(nother) price war with traditional UK supermarket rivals may be on the cards.

The FT reports that analysts calculate the price gap between discount stores and conventional supermarkets is now between 10 and 12%, compared with more than 20% a few years ago.

Sourced from Financial Times; additional content by WARC staff

Categories
Coupons & Offers

Never Pay for Web Hosting Without Using Coupon Codes (Here’s Why)

Table of Contents

What is web hosting?

Simply put, a web host is a web server that hosts your website on the internet. When people try to access your website, they connect to the server of your web host where your site is housed. When you are setting up your website, you must realize that it has to exist somewhere, and that place is a web server that web hosting companies provide.

Of course, the service comes in exchange for money, much like any other service in the world. However, there are a few ways you can cut costs for web hosting services effectively, and one of them is finding coupons to help you do so.  

Why you should never pay full price for web hosting

1. Reduce operating costs The issue with paying full price for web hosting is that you could easily get away with paying a fraction of the cost with a coupon.

The money you save contributes to low operating costs for you because the price you would have paid for your web hosting service has been greatly reduced, so you can utilize the money you would have spent there on other areas.

2. Discounts available Web hosting services have gotten very popular in the last few years. This means that the industry has a lot of competition.

This leads to web hosting companies offering competitive pricing and a lot of perks like coupons. There is almost always a promo out there available for the web hosting service you are considering hosting your website on. Don't believe us?

Check this example, you can see that BlueHost offers massive discounts through coupons, which can lead to the cost for a web host to be a fraction of what it would originally be.

3. Spend more on packages and perks

Never Pay for Web Hosting Without Using Coupon Codes (Here's Why)

Web hosting can get expensive, especially when you opt for premium packages, which might cost you quite a bit of money while providing you with more functionality. This is where the coupons for web hosting come in handy because you can use these to reduce your costs to a fraction of what they were. You can use the money you are saving for your web hosting service on other things, which can help your website be more successful.

This could include adding more apps or functionalities which you need to purchase with more money. Conclusion In the end, we would genuinely advise you never to pay full price for web hosting services as you could just as easily get the same service for a fraction of the original price if you find an appropriate coupon.

The money you save could be put into better use in other areas of your website and its design.

You could potentially even use those savings to hire someone to make some custom graphics for your website and whatnot.

The possibilities of how you can utilize the money you save are endless.