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Social Security recipients will be getting their biggest payment increase in 40 years in 2022 thanks to a 5.9% cost-of-living adjustment, pushing the average monthly benefit up to $1,657 for retired workers. By Vance Cariaga See: Social Security Benefits 2022 — How Medicare Will Significantly Impact Those Earning LessFind: As ‘Inflation Wipes Out Real Gains,’ How Much of a Raise Will You Need in 2022 To Keep Up? The COLA is just one of numerous changes to Social Security in 2022....

TD First Class Visa Signature Credit Card Overview The TD First Class Visa Signature Credit Card is geared toward consumers who charge their travel and dining purchases but rely mostly on cash or debit for the bulk of their everyday purchases. You earn 3x First Class miles on travel and dining and 1x miles on all other purchases made with the card. If you spend $3,000 in the first six billing cycles after receiving the card, you’ll earn 25,000 bonus miles worth $250 toward travel and dining purchases....

Managing your money requires a thorough understanding of your income, spending and savings. Because of all the moving parts that go into personal finance, that’s not always easy, which is why some people use personal finance software to streamline the process. The best personal finance software manages all the details of your financial life so you can accurately see what’s going on and better plan for the future. By Cynthia Bowman About Personal Finance Software 10 Best Financial Health Choosing which path you’ll take toward financial independence is one of the most important decisions you can make....

It’s easy to understand the lure that makes options trading so popular. Leveraging the option to buy or sell a security lets you control much more stock with far less money up front than you ever could by purchasing it outright. Options trading is, of course, not without risk. But contrary to popular mythology, it’s not the same as gambling, it’s not particularly complicated, and the average investor can do it....

Pre-pandemic, a favorite family activity for many people was to wander Trader Joe’s, Costco, and Sam’s Club for free samples of snacks, bites of main dishes, and yummy beverages. If there was ever anything close to a free lunch, this was it. By Dawn Allcot See: 5 Fall Items To Stock Up on From CostcoFind: This Credit Score Mistake Could Be Costing Millions Of Americans For health and safety reasons, the stores stopped the practice in 2020....

If you get a case of the Mondays this month, Walmart has something to cheer you up: special “Black Friday Deals for Days” events that begin each Monday in November. And to help spread the word, the retail giant has enlisted a couple of cast members from the 1999 cult comedy classic “Office Space” for a new ad campaign. By Vance Cariaga See: Unplug These Appliances That Hike Up Your Electricity BillSNAP Benefits: Can You Use EBT Card/Food Stamps To Purchase Hot Food?...

The price-to-sales ratio, commonly abbreviated as the P/S ratio, is one of many measures that help investors assess the value of a company. This particular ratio compares the stock price to the company’s revenues. What it shows is the amount that investors are typically willing to spend per dollar of sales. Generally, a lower P/S ratio is better. According to Forbes, revenue-based valuations are some of the “cleanest” methods to assess a company’s value....

By Nicole Spector More Savings: The 6 Best Deals From Costco’s November Coupon BookFind Out: How Much Does a Costco Membership Really Save You? Here’s a look at some of the latest items now available at Costco, and why they’re fantastic deals whether you’re shopping for the holidays or just shopping in general! More From Your Money: Choose a high-interest saving, checking, CD, or investing account from our list of top banks to start saving today....

You’re hosting Christmas dinner this year, and you want it to be perfect. However, you don’t have a ton of time and money to dedicate to the festivities. By Jennifer Taylor In 2021, consumers spent an average of $231 on non-gift holiday purchases, such as food and decorations, according to the National Retail Federation. You’re hoping to spend a lot less than that — and this is entirely possible by shopping at dollar stores....

It’s our favorite spooky time of year again, where kids dress up in scary costumes and adults embarrass their kids in silly costumes. You’re never too old to dress up for Halloween. In fact, make it an event, throw a party for your friends, and do it on a budget too. By Jordan Rosenfeld Here are ten easy Halloween costumes for women that don’t cost too much. Milkshake If you love to drink a milkshake, now you can be your favorite flavor on Halloween....

After a summer of high-priced air conditioning and electric costs, Americans are bracing for the next round of expensive electric bills. Rising utility bills, according to NPR, are being driven by the surge in the price of natural gas, which generates 38% of the electricity in the United States. By Heather Taylor See: 9 Bills You Should Never Put on AutopayAdvice: If Your Credit Score Is Under 740, Make These 4 Moves Now...

Over 90% of American families with children will be eligible for the advance child tax credit this year, but a new report shows that up to 4 million children may lose the credit even though they are eligible for the payments. By Georgina Tzanetos Know: Your 2021 Baby Makes You Eligible for the Child Tax CreditDiscover: Here’s Who Is Not Eligible for the New Child Tax Credit On Thursday, a report by the Center on Budget and Policy Priorities claimed that the children of parents who did not submit the information through the IRS non-filer portal, file a tax return or use an IRS portal to claim their stimulus checks are at risk of losing the advance portion — that is, the monthly payment — of the child tax credit through the rest of the year....

Last year, consumers were faced with empty shelves during the holidays due to supply chain issues. This year, inflation is the top challenge to holiday shopping and is pushing many Americans to shop early in an attempt to snag lower prices. Therefore, many retailers have announced pre-holiday sales events to attract more customers. By Yaёl Bizouati-Kennedy Holiday Spending: Get Top Holiday Shopping and Savings TipsLearn More: If Your Credit Score is Under 740, Make These 4 Moves Now...

Those who keep extra money, like an emergency fund, in their homes may be curious about some of the best spaces to store it. Since traditional savings vehicles like high-yield savings accounts are not applicable in this situation, those in possession of excess funds need to get creative with where they keep this money. By Heather Taylor Consider stashing your emergency cash into some of these clever spots. Fake Personal Items This is a helpful tip for those traveling overseas as well as those seeking hacks for keeping their money safe at home....

January is a time to reset, a chance to recover from the holidays, to resolve to accomplish your to-do list in the new year and to redeem some of those gift cards you received. It’s also a time to take advantage of deep price cuts at retailers who also use the new year to clear out their shelves to bring in new merchandise for the coming season. By Jami Farkas While Walmart is known for value pricing throughout the year, January has brought price reductions on items throughout the store....

Consumers might be surprised at the amount of Thanksgiving essentials they can stock up on while shopping at Dollar Tree. From items to set the table to ingredients for cooking the meal, skip the supermarket’s marked-up prices in favor of these affordable buys. Head to Dollar Tree for these Thanksgiving dinner and entertaining must-haves. By Heather Taylor Dollar Tree: 5 High-Quality Items To Buy NowCheck Out: If Your Credit Score Is Under 740, Make These 4 Moves Now...

Personal finance can be confusing and investing in stocks can be intimidating for the uninitiated. Trying to understand buy points, dollar-cost averaging, cup and handle patterns of stock prices and other elements of stock marketing investing — not to mention the various indices that reveal market trends — often requires a lot of study or guidance from an expert. By Dawn Allcot See: How Does Cryptocurrency Work – and Is It Safe?...

You’ve been thinking about buying a vacation home for a while, but you’re not sure whether now is the right time to buy. This is a big purchase, so you want to make sure it’s a sound investment. By Jennifer Taylor Advice: 25 Things To Sell When You’re Ready To Retire Find: 6 Household Staples That Are a Waste of Money Demand for vacation homes tumbled in February, with mortgage-rate locks for second homes declining to their lowest levels since May 2020, according to Redfin....

Federal Reserve officials reiterated their concerns regarding stablecoins and the need to monitor them closely at the latest Federal Open Market Committee meeting, according to the minutes of the meeting. By Yaёl Bizouati-Kennedy See: With More Money Pouring Into Stablecoin Than Municipal Bond Funds, Should You Invest?Find: Is Crypto Too Risky? 12 Experts Weigh In Stablecoins are cryptocurrencies intended to remain stable and have low volatility. They can be pegged to a currency or a commodity, such as gold....

As airfare prices rise, travelers are looking for affordable alternatives to expensive flights. Alaska Airlines has introduced a possible solution with Flight Pass, the first flight subscription service for West Coast travel. By Dawn Allcot See: The 5 Most Popular Affordable Domestic and International Travel Destinations of 2022Find: How To Save on Winter Travel to the 10 Most Popular U.S. Cities As subscription services for everything from clothing to seafood grow in popularity, Alaska Airlines’ offering, which allows members to fly up to 24 round-trip flights a year between 16 select cities in the western U....