# Savings Beagle

> Sniffing Out Today's Best Deals


## Posts

- [The Streaming Platform Paramount+ Appears to be Offering Free Month Codes Again](https://savingsbeagle.com/the-streaming-platform-paramount-appears-to-be-offering-free-month-codes-again/): In the past few years, it was fairly easy to access Paramount+ with Showtime using free month codes on a regular basis. That changed early in 2025. Free month codes were basically nonexistent after January. As June came to a close, a free month code made an appearance, allowing many to once again access Paramount+ with Showtime content free for one month. Whether we’ll see free month codes continue on a regular basis, or this June code turns out to be tease, remains to be seen. No matter, take advantage while you can. Keep in mind, you’ll need to select […]
- [Positioning Portfolios for the Future: Top Tech Opportunities for 2025 and Beyond](https://savingsbeagle.com/positioning-portfolios-for-the-future-top-tech-opportunities-for-2025-and-beyond/): As the global economy continues to evolve at a rapid pace, emerging technologies are reshaping the investment landscape. For investors, understanding where innovation is driving structural growth is key to building resilient, future-ready portfolios. In 2025, three transformative tech sectors—artificial intelligence (AI), software development, and cloud and edge computing—stand out as high-potential areas for strategic investment. Artificial Intelligence: From Innovation to Infrastructure Artificial intelligence is no longer a speculative concept—it’s becoming foundational to business operations across industries. With a projected compound annual growth rate (CAGR) of 35.9% from 2025 to 2030, AI is expected to permeate every major sector, including […]
- [Are You Missing Out on Potential 9% Dividend Yield? Find Out How to Increase Your Returns](https://savingsbeagle.com/are-you-missing-out-on-potential-9-dividend-yield-find-out-how-to-increase-your-returns/): Many dividend-focused investors are finding modest yields in the current market, with the S&P 500 Index’s average dividend yield below 2%. However, savvy income investors are looking beyond traditional options to find higher-yield investments that offer attractive returns. Financial advisor Sahil Vakil warns that a high dividend yield is not always a sign of a strong investment, as it could be influenced by factors such as a declining stock price or a company’s ability to sustain dividend payouts. With this in mind, investors are exploring alternative options for higher income. Two promising higher-yield investment options include Business Development Companies (BDCs) […]
- [Best TV Shows Ever on Paramount+: 'Frasier,' 'Ghosts,' 'Star Trek: The Next Generation,' and More](https://savingsbeagle.com/best-tv-shows-ever-on-paramount-frasier-ghosts-star-trek-the-next-generation-and-more/): Paramount+ is known for its vast library of “Star Trek” shows and movies, but the streaming platform has much more to offer than just sci-fi adventures. With its connection to CBS, Paramount+ boasts a wide range of iconic network TV shows, smart reboots, and hidden gems that are worth checking out. If you’re looking for some new shows to binge-watch, here are the top 10 all-time TV shows streaming on Paramount+ right now: 10. “The Good Wife,” a legal drama that follows Alicia Florrick as she navigates her return to the workforce after a scandal involving her husband. With great […]
- [How will Frndly TV benefit from being acquired by Roku?](https://savingsbeagle.com/how-will-frndly-tv-benefit-from-being-acquired-by-roku/): Roku’s acquisition of Frndly TV has sent shockwaves through the streaming world, with many wondering what the future holds for both services. One major question on everyone’s mind is whether the price of Frndly TV will go up. With Roku’s acquisition, it’s possible that the low-cost service may see a slight increase in subscription fees, possibly by a dollar or two. Another aspect to consider is whether Frndly TV will add more cable channels to its lineup. If Roku decides to raise the price of the service, it could be to accommodate the addition of new channels, such as Discovery […]
- [Maximizing Your Life Insurance Benefits While You're Alive](https://savingsbeagle.com/maximizing-your-life-insurance-benefits-while-youre-alive/): Unlocking the Benefits of Life Insurance While You’re Alive Life insurance is typically seen as a safety net for your loved ones after you pass away, providing financial support in your absence. However, did you know that your life insurance policy can also benefit you while you’re still alive? There are several ways you can leverage your coverage to cover expenses, supplement your income, or access funds in times of need. Understanding Cash Value in Life Insurance Before delving into the ways you can tap into your life insurance policy, it’s important to understand the concept of cash value. Permanent […]
- [Top phone plans that will help you save money on streaming services](https://savingsbeagle.com/top-phone-plans-that-will-help-you-save-money-on-streaming-services/): Are you tired of paying too much for your cell phone plan and streaming services? Well, look no further, because we have compiled a list of the best phone plans that can help you save big on your favorite streaming services. Starting with T-Mobile, their Experience Beyond plan offers unlimited data, text, and 30GB of high-speed data in Canada and Mexico. On top of that, you get complimentary access to Netflix Standard with Ads, Hulu with Ads, and Apple TV+, all for just $100 per month with autopay. And if you’re a new customer, you can even get an iPhone […]
- [What Awaits You in Retirement: Four Benefits You'll Gain](https://savingsbeagle.com/what-awaits-you-in-retirement-four-benefits-youll-gain/): Retirement can be a scary thought for many people, but it doesn’t have to be all doom and gloom. In fact, there are plenty of reasons to look forward to the golden years of retirement. From financial freedom to guaranteed income, time for yourself, and a new perspective on life, retirement can offer a whole new world of opportunities. According to a recent survey by the Employee Benefit Research Institute, a majority of workers and retirees are confident that they will have enough money to live comfortably in retirement. This sense of financial security can bring a newfound freedom and […]
- [SiriusXM's Memorial Day 2025 Free Listening Event is Going on Now Through June 2nd](https://savingsbeagle.com/siriusxms-memorial-day-2025-free-listening-event-is-going-on-now-through-june-2nd/): SiriusXM radio is again offering a free listening event this extended Memorial Day 2025 period. SiriusXM Free Listening Event SiriusXM offers these free listening deals at various times throughout the year as a way to entice previous subscribers to come back. There’s nothing to do, if you have a SiriusXM radio, simply turn it on, select your favorite channel, and enjoy free satellite radio through June 2. It looks as though this free listening event is only available on in-vehicle radios…streaming via a computer or the siriusXM app appears to be excluded. Let us know in the comments if you […]
- [[Update 5/25 - Now Showing $4 per Month] Subscribe to The Wall Street Journal for Only $8 per Month with this Memorial Day 2025 Promotion](https://savingsbeagle.com/subscribe-to-the-wall-street-journal-for-only-8-per-month-with-this-memorial-day-2025-promotion/): Update 5/25/25 – The subscription page is now showing $1 per week/$4 per month for the 1 year digital subscription rate. A much better deal. Will it drop to last year’s $0.50 per week? Who knows, but the $1 per week deal is pretty good. The Wall Street Journal is currently offering a decent digital subscription deal during this 2025 Memorial Day period. At $2 per week for the first year, you get unlimited access to all the paper has to offer on both WSJ.com and via the WSJ app. Considering the regular digital subscription price is well into the […]
- [The Pros and Cons of Upsizing in Retirement](https://savingsbeagle.com/the-pros-and-cons-of-upsizing-in-retirement/): Retirees Embracing the Trend of Upsizing Homes in Retirement As retirement approaches, many individuals traditionally consider downsizing their homes to save on costs and reduce maintenance. However, a new trend is emerging among retirees – the decision to upsize their homes in retirement. According to a recent report from AARP, a growing number of Americans are choosing to age in place and opt for larger homes in retirement. While this may seem unconventional, there are several benefits to upsizing during this phase of life. The Upside of Upsizing One of the main reasons retirees are considering upsizing is the opportunity […]
- [Introducing your new go-to streaming partner](https://savingsbeagle.com/introducing-your-new-go-to-streaming-partner/): Roku has been making waves in the streaming industry with its recent announcements and releases. In addition to acquiring Frndly TV and streaming billions of hours of content, the company has unveiled new streaming hardware in the form of the Roku Streaming Stick and Roku Streaming Stick Plus. The new devices boast a smaller form factor than previous models, making them perfect for on-the-go streaming. The Roku Streaming Stick comes in at just $30, while the upgraded Roku Streaming Stick Plus, offering 4K HDR resolution, is priced at $40. Both devices come with the Roku Voice Remote, giving users easy […]
- [Warren Buffett Recommends Index Funds Over Stock Picking for the Majority of Investors](https://savingsbeagle.com/warren-buffett-recommends-index-funds-over-stock-picking-for-the-majority-of-investors/): Warren Buffett, the legendary investor and chairman of Berkshire Hathaway Inc., is known for his incredible success in the stock market. However, despite his own prowess in picking winning stocks, Buffett has a surprising piece of advice for everyday investors: don’t do it. Buffett has consistently recommended low-cost S&P 500 index funds as the best investment option for most people. These funds simply mirror the entire market or a specific segment of it, rather than trying to pick individual winning stocks. Buffett’s reasoning is that most investors lack the expertise, time, and emotional discipline required for successful stock picking. The […]
- [5 Unexpected Facts About REIT ETFs that Investors Need to Be Aware of](https://savingsbeagle.com/5-unexpected-facts-about-reit-etfs-that-investors-need-to-be-aware-of/): The world of real estate investment trust (REIT) exchange-traded funds (ETFs) can be a complex and intriguing one, with many investors overlooking key facts that could make a big difference in their investment strategies. According to Harm Meijer, author of "Real Estate Rules: The Investor’s Guide to Picking Winners and Avoiding Losers in Listed Property," one of the most important pieces of advice he received was "you can’t polish dirt." This lesson applies to those investing in REIT ETFs, where understanding the nuances of the market can make or break your investment. Here are five surprising facts about REIT ETFs […]
- [Device Compatibility: Which Streaming Apps Work Best for You?](https://savingsbeagle.com/device-compatibility-which-streaming-apps-work-best-for-you/): Device Compatibility: Which Streaming Apps Work Best for You? In today’s digital age, streaming apps have become a primary source of entertainment for millions of people worldwide. With a plethora of options available, it can be challenging to determine which streaming service best fits your needs, especially when considering device compatibility. Whether you’re using a smart TV, tablet, smartphone, or gaming console, understanding the compatibility of various streaming apps is crucial for an optimal viewing experience. This article explores the most popular streaming services and how well they integrate with different devices. Smart TVs Smart TVs are designed to provide […]
- [Retirees May Want to Consider this Florida Town When Looking for an Affordable Living Option](https://savingsbeagle.com/retirees-may-want-to-consider-this-florida-town-when-looking-for-an-affordable-living-option/): The small city of Sebring, Florida, is emerging as a hidden gem for retirees looking for an affordable and attractive retirement destination. With a population of under 12,000 residents, Sebring offers a low cost of living, small-town charm, a relaxed lifestyle, and a rich history. Located in Highlands County, the central part of the state, Sebring is known for its affordability compared to Florida’s larger cities and other popular retirement destinations in the Sunbelt region. One major draw for retirees is the relatively low cost of living in Sebring. Median housing costs in Highlands County are $765 a month, with […]
- [What to Do Immediately If You're Filing Your Taxes Late](https://savingsbeagle.com/what-to-do-immediately-if-youre-filing-your-taxes-late/): Don’t Panic: What to Do If You Missed the Tax Filing Deadline Life can get hectic, and sometimes filing your taxes falls to the bottom of your to-do list. Whether you missed the deadline by a few days or a few months, the thought of dealing with late taxes can feel overwhelming. But fear not, there are steps you can take to minimize penalties, avoid interest charges, and ensure you’re compliant with IRS regulations. Gather Your Documents Start by gathering all your necessary documents, such as W-2s, receipts, and previous tax returns. This will help you provide accurate information and […]
- [How Algorithms Shape Our Streaming Movie Choices](https://savingsbeagle.com/how-algorithms-shape-our-streaming-movie-choices/): How Algorithms Shape Our Streaming Movie Choices In the digital age, the way we consume media has transformed dramatically. Gone are the days of browsing through physical shelves at video rental stores; today, streaming platforms like Netflix, Hulu, and Amazon Prime Video dominate the landscape. At the core of this transformation lies a powerful yet often invisible force: algorithms. These sophisticated mathematical formulas analyze vast amounts of data to make personalized recommendations, shaping our viewing habits in profound ways. The Role of Data in Streaming Services Streaming platforms collect an enormous amount of data from their users. This data includes […]
- [Save Money by Streaming The Masters in 3 Different Ways](https://savingsbeagle.com/save-money-by-streaming-the-masters-in-3-different-ways/): The Masters golf tournament is currently underway at the prestigious Augusta National Golf Club, attracting top players from around the world. With favorites like Rory McIIroy and Scottie Scheffler in the mix, the competition is fierce and the stakes are high. The course itself is a masterpiece, designed to challenge even the most seasoned golfers. From the nerve-wracking opening shot at Tea Olive to the iconic Amen Corner, players must navigate natural hazards and strategic layouts to come out on top. The tournament began on Monday and will continue through Sunday, offering fans a week of thrilling golf action. To […]
- [America's Significant Debt Problem and What May be Coming Both from a National and Individual Standpoint](https://savingsbeagle.com/americas-significant-debt-problem-and-what-may-be-coming-both-from-a-national-and-individual-standpoint/): I’ve written a number of articles on various platforms for well over a decade now warning about America’s growing debt problem. This is by no means a new situation. But, as has been typical, our elected officials continue to ignore the issue and spend as if there’s no problem at all. They couldn’t be more wrong. And thus, they are part of the problem that will negatively impact you in the coming years. How and why? I’ve used AI to generate a podcast to answer those questions in a general way. If listening is your favorite way to consume information, […]
- [Is Your State Among Those with the Lowest Taxes on Food?](https://savingsbeagle.com/is-your-state-among-those-with-the-lowest-taxes-on-food/): The cost of groceries for the average family of four in the U.S. continues to rise, with reports showing they spend over $1,100 a month on food. This increase is not due to extravagant spending but rather to the overall rise in food costs, which went up by about 2.5% in 2024 compared to the previous year. While food prices are already a significant expense for families, some states and jurisdictions add a sales tax on grocery purchases, further increasing the financial burden on consumers. However, not all states impose taxes on groceries, with many differentiating between food purchased for […]
- [Why are Car Insurance Premiums Rising so Much?](https://savingsbeagle.com/why-are-car-insurance-premiums-rising-so-much/): Car insurance is a necessary expense for drivers, but recent trends show that premiums are on the rise. According to experts, car insurance premiums are expected to increase by 7.5% in 2025, continuing an upward trend seen over the past several years. The price of car insurance has already increased by 12.7% over the last year, with the average annual cost expected to be $2,101 in 2025. So, what is behind this rise in car insurance premiums? One major factor is the cost of expensive car repairs. As newer cars come equipped with advanced safety features, sensors, and cameras, the […]
- [Investment Strategies Warren Buffett Used to Achieve Billionaire Status](https://savingsbeagle.com/investment-strategies-warren-buffett-used-to-achieve-billionaire-status/): Warren Buffett’s journey from selling gum and Coca-Cola bottles as a young entrepreneur to becoming one of the world’s wealthiest investors offers invaluable lessons for building long-term wealth. Through his company, Berkshire Hathaway, and personal investments, Buffett has shown that successful investing doesn’t require complex strategies but adherence to core principles and discipline. One of Buffett’s key principles is investing in what you understand. By staying within his “circle of competence,” he avoids investments in businesses or industries he doesn’t fully comprehend, reducing the risk of costly mistakes. Another lesson is to buy great companies at fair prices, prioritizing quality […]
- [Our Podcast on Paramount+ with Showtime Free Month Codes and a Discussion on the Ethics of Free Trials and Where Streaming May be Going in the Coming Years](https://savingsbeagle.com/our-podcast-on-paramount-with-showtime-free-month-codes-and-a-discussion-on-the-ethics-of-free-trials-and-where-streaming-may-be-going-in-the-coming-years/): Here’s a podcast that puts our Paramount+ with Showtime free month deals into an audio format with a larger discussion on free trial ethics and how the streaming landscape may evolve in the coming years as a follow-up. Don’t want to bother with the larger discussion?  Just end the podcast around the 6.5-minute mark. Let us know what you think of the Podcast format.  And chime in on the bigger-picture topics in the comment section if you want. Thanks for listening. (To listen, just click the audio file below}
- [The Future of Streaming: What's Next for the Industry](https://savingsbeagle.com/the-future-of-streaming-whats-next-for-the-industry/): The Future of Streaming: What’s Next for the Industry The streaming industry has undergone a remarkable transformation over the past decade, evolving from a niche market to a dominant force in entertainment. As we look ahead, several trends and innovations are poised to shape the future of streaming, creating new opportunities and challenges for content creators, distributors, and consumers alike. 1. The Rise of Niche Streaming Services As competition intensifies among major platforms like Netflix, Amazon Prime Video, and Disney+, we are witnessing a surge in niche streaming services that cater to specific audiences. These platforms focus on genres such […]
- [Essential Information for Homeowners Regarding Insurance Policy Coverages](https://savingsbeagle.com/essential-information-for-homeowners-regarding-insurance-policy-coverages/): As winter places a stranglehold on much of the country, it’s important for homeowners to understand what their insurance policies cover when it comes to winter storm damage. A standard homeowners insurance policy typically covers a variety of winter-related damages, such as damage from heavy winds, roof collapses due to snow or ice buildup, frozen pipes, and furnace breakdowns. However, it’s crucial for homeowners to take reasonable steps to prevent damage, as insurance may not pay for losses that could have been prevented. This includes ensuring your home is adequately heated and maintained to avoid potential issues. Understanding what your […]
- [Ultimate Viewing Guide for Super Bowl LIX in 2025: Channel, 4K Options, Free Trials, and More](https://savingsbeagle.com/ultimate-viewing-guide-for-super-bowl-lix-in-2025-channel-4k-options-free-trials-and-more/): As the 2024-25 NFL season comes to a close, fans are eagerly anticipating Super Bowl LIX to see which team will hoist the Lombardi Trophy. The game will kick off at 6:30 p.m. ET on Sunday, Feb. 9 on Fox, with either the Buffalo Bills or Kansas City Chiefs from the AFC facing off against the Philadelphia Eagles or Washington Commanders from the NFC. For those looking to watch the game, there are several streaming options available. DIRECTV STREAM is our top choice, offering Fox in most major media markets in the U.S., a five-day free trial for new customers, […]
- [States That Exempt Social Security, 401(k), IRA, and Pension Income from Taxes](https://savingsbeagle.com/states-that-exempt-social-security-401k-ira-and-pension-income-from-taxes/): The Best States for Retirees: Where to Avoid Paying Taxes in Retirement As you approach retirement, one of the biggest concerns you may have is how much of your hard-earned money will go towards taxes. While federal taxes are unavoidable, some states are much more tax-friendly towards retirees than others. In fact, there are several states that don’t tax retirement income at all, making them ideal destinations for those looking to stretch their retirement savings further. Illinois, Iowa, Mississippi, Pennsylvania, New Hampshire, and South Carolina are just a few of the states that offer significant tax breaks on Social Security, […]
- [Are you in the mood for a spy thriller TV show? Don't miss these 7 new series!](https://savingsbeagle.com/are-you-in-the-mood-for-a-spy-thriller-tv-show-dont-miss-these-7-new-series/): From espionage to action sequences, spy thriller TV shows have been making a big splash in the entertainment world. With new shows popping up every month, viewers are treated to fresh stories in the genre that keep them on the edge of their seats. Here are the top 7 new spy thriller TV shows from the past year that you can stream right now: 7. ‘Prime Target’ (2025) on Apple TV+ – Follows a genius mathematician and an NSA agent as they uncover a dangerous conspiracy. 6. ‘Mr. & Mrs. Smith’ (2024) on Prime Video – A spy thriller series […]
- [Everything You Need to Know About the Active&Fit Direct Program in January 2025](https://savingsbeagle.com/everything-you-need-to-know-about-the-activefit-direct-program-in-january-2025/): Staying fit and active has never been more accessible, thanks to programs like Active&Fit Direct. Designed to make fitness convenient and affordable, this program has grown in popularity among individuals looking to enhance their health and wellness without breaking the bank. As of January 2025, Active&Fit Direct continues to offer a wide array of benefits, making it an appealing option for fitness enthusiasts and newcomers alike. What Is Active&Fit Direct? The Active&Fit Direct program is a comprehensive fitness membership network that provides access to thousands of gyms, fitness centers, and online resources. Operated by American Specialty Health (ASH), the program […]
- [A Guide to Watching the 2025 Australian Open](https://savingsbeagle.com/a-guide-to-watching-the-2025-australian-open/): The 2025 Australian Open kicked off on Saturday, Jan. 11, with some of the biggest global tennis stars vying for the first Grand Slam title of the year. With coverage starting at 7 p.m. ET on ESPN, ESPN2, ESPN Deportes, and ESPN+, fans will have plenty of ways to catch all the action during its two-week run. One of the best ways to watch the Australian Open is with a free trial of Hulu + Live TV. This streaming service not only offers coverage of the tournament on ESPN+, but also includes ESPN, ESPN2, and ESPN Deportes, as well as […]
- [Behind the Scenes: The Making of Your Favorite Streaming Series](https://savingsbeagle.com/behind-the-scenes-the-making-of-your-favorite-streaming-series/): In the era of streaming, where binge-watching has become a beloved pastime, the series that capture our hearts and minds often have intricate stories behind their creation. From the initial concept to the final cut, the making of a streaming series involves a blend of creativity, collaboration, and technical expertise. Let’s take a closer look at the fascinating process that brings our favorite shows to life. Concept Development Every great series begins with a spark of inspiration. Writers and creators brainstorm ideas, often drawing from personal experiences or societal trends. This phase involves outlining the storyline, developing characters, and determining […]
- [10 States Planning Significant Income Tax Rate Changes in 2025](https://savingsbeagle.com/10-states-planning-significant-income-tax-rate-changes-in-2025/): The year 2025 has brought significant changes to the income tax landscape in the United States, with 10 states implementing new tax codes as of January 1st. Nine of these states have reduced their tax rates, while one state has completely eliminated taxes on earned income. States such as Indiana, Iowa, Louisiana, Mississippi, Missouri, Nebraska, New Mexico, North Carolina, and West Virginia have all reduced their tax rates, providing potential relief for residents. Additionally, New Hampshire has joined the ranks of states that do not tax earned income at all. The shift in tax policies across these states highlights the […]
- [All the Essential Information About the True Royalty TV Streaming Service](https://savingsbeagle.com/all-the-essential-information-about-the-true-royalty-tv-streaming-service/): If you find yourself endlessly intrigued by the lives of the British royal family and other monarchies around the world, there’s a streaming service that was tailor-made for you: True Royalty. This subscription-based platform is a treasure trove of documentaries and dramas that delve deep into the history, drama, and intrigue of royal dynasties past and present. From the opulence of Windsor Castle to the political machinations of ancient empires, True Royalty offers a comprehensive look at the world’s most influential families. One of the standout features of True Royalty is its commitment to factual storytelling. Unlike other sources of […]
- ["Predator," "Die Hard," "Aliens," and Beyond are Just a Few of the Many Classic Action Movies Available to Stream on Hulu](https://savingsbeagle.com/predator-die-hard-aliens-and-beyond-are-just-a-few-of-the-many-classic-action-movies-available-to-stream-on-hulu/): Overall, Hulu emerges as the top choice for classic action movie enthusiasts, offering a wide array of iconic films from the 1980s and 1990s. With titles like “Aliens,” “Die Hard,” “Predator,” “Speed,” “Con Air,” “Independence Day,” “The Rock,” and “True Lies,” Hulu provides a comprehensive selection of high-octane thrillers that have stood the test of time. While other streaming platforms like Prime Video, Max, and Paramount+ also offer a selection of classic action movies, Hulu’s extensive library and user-friendly interface make it the go-to destination for fans of the genre. So grab your popcorn, buckle up, and get ready for […]
- [The Rise of Indie Films on Streaming Services: A New Era for Independent Cinema](https://savingsbeagle.com/the-rise-of-indie-films-on-streaming-services-a-new-era-for-independent-cinema/): The landscape of film distribution has undergone a seismic shift in recent years, largely driven by the rise of streaming services. As traditional cinema faces challenges from the digital age, independent films are finding new avenues to reach audiences. This transformation marks a significant moment for independent cinema, allowing diverse voices and innovative storytelling to flourish. The Changing Face of Distribution Historically, independent films struggled to find their footing in a market dominated by major studios. Limited budgets, fewer marketing resources, and the challenge of securing theatrical releases often meant that many indie films went unseen. However, the advent of […]
- [M1 Finance and Wealthfront are Two Digital Wealth Management Platforms - Which Option is Best Suited for You?](https://savingsbeagle.com/m1-finance-and-wealthfront-are-two-digital-wealth-management-platforms-which-option-is-best-suited-for-you/): The competition between Wealthfront and M1 Finance, two top digital wealth management platforms, is heating up with their unique offerings and features. Wealthfront, known for its well-diversified core portfolios and options for diversification with crypto funds and ETFs, is a top pick for many investors. On the other hand, M1 Finance stands out with its fee-free investment management and no trading charges, making it an attractive option for those looking to invest without a minimum balance requirement. Key differences between the two platforms include account minimums, fees, portfolio construction, and goal planning. Wealthfront requires a $500 account minimum and charges […]
- [Season 2 of 'Severance' Continues with Episode Titled 'A Different Man' and Other Streaming Content to Check Out in January 2025](https://savingsbeagle.com/season-2-of-severance-continues-with-episode-titled-a-different-man-and-other-streaming-content-to-check-out-in-january-2025/): New year, new month, new recommendations! As we kick off the new year, streaming platforms like Netflix, Max, and Disney+ are bringing in a wave of exciting new content to keep you entertained throughout January. From thrilling movies to highly-anticipated series premieres, there is something for everyone to enjoy. One of the highlights this month is the SVOD premiere of A24’s “A Different Man,” starring Golden Globe winner Sebastian Stan. This gripping thriller joins other recent hits like “The Vourdalak” and “Red Rooms” on your watchlist. Additionally, major series returns like “The Traitors,” “Mythic Quest,” and the second season of […]
- [Will My Accident Claim be Denied if I Ignore My Mechanic's Advice to Get New Tires?](https://savingsbeagle.com/will-my-accident-claim-be-denied-if-i-ignore-my-mechanics-advice-to-get-new-tires/): The Importance of Proper Car Maintenance: How Neglecting Your Vehicle Can Lead to Insurance Claim Denials Driving a car with faulty equipment, such as bald tires or broken headlights, can significantly increase the risk of causing a traffic accident. Insurance companies have the ability to determine the condition of your vehicle before an accident through various resources. If you fail to properly maintain your automobile and are involved in a wreck, your insurer may deny your claim, citing negligence. According to experts, car maintenance is a crucial responsibility of the car owner. Failing to keep up with regular maintenance can […]
- [Predicting which streaming services will increase prices in 2025: Netflix, Apple TV+, Disney+, and others](https://savingsbeagle.com/predicting-which-streaming-services-will-increase-prices-in-2025-netflix-apple-tv-disney-and-others/): In 2024, almost every streaming service raised prices, and it looks like the trend will continue into 2025. However, not all streamers are likely to increase their rates this year. On-demand streaming services like Netflix, Apple TV+, and Prime Video are expected to raise prices in 2025. Netflix, with its growing array of live sporting events and other content, will likely see a modest increase of $1 to $2 per month. Apple TV+, which did not raise prices in 2024, is expected to do so this year. Prime Video, which made its plan ad-supported last year, may also raise subscription […]
- [How to Get the Most Out of Your New Smart TV or Streaming Device](https://savingsbeagle.com/how-to-get-the-most-out-of-your-new-smart-tv-or-streaming-device/): As the holiday season comes to a close and the new year begins, many people are unwrapping their brand new smart TVs and streaming devices. With so many options available, it can be overwhelming to figure out how to customize your new device to make it truly yours. The first step is to connect to the internet, whether through a Wi-Fi connection or a wired ethernet connection for faster speeds. Once you’re online, it’s time to get familiar with your app store. Smart TVs and streaming devices come pre-loaded with many apps, but you can customize your lineup by browsing […]
- [The Top VPN for Streaming in 2025](https://savingsbeagle.com/the-top-vpn-for-streaming-in-2025/): Are you tired of missing out on your favorite shows and sports games when you’re away from home? Look no further than a streaming VPN to keep you connected to your streaming services no matter where you are in the world. With the ability to unblock geo-restrictions and provide added security features, a VPN is a must-have tool for any streamer on the go. But with so many options out there, how do you know which streaming VPN is the best fit for you? Luckily, we’ve done the hard work for you and narrowed down the top picks in the […]
- [Want to Stick with a Traditional Service for your Television Viewing? Here's a Look at Which Satellite TV Provider Might be Right for You.](https://savingsbeagle.com/want-to-stick-with-a-traditional-service-for-your-television-viewing-heres-a-look-at-which-satellite-tv-provider-might-be-right-for-you/): After years of speculation and rumors, it has been confirmed that DIRECTV and DISH will not be merging in the new year. This news comes as a surprise to many who have been following the potential merger of the two satellite TV giants. While this may be bad news for those who were hoping for a streamlined satellite TV experience, it is actually good news for consumers who value having a choice when it comes to their entertainment options. Both DIRECTV and DISH offer excellent services, but they each have their own strengths and weaknesses. Let’s break down the comparison […]
- [Which live TV streaming service is best for you? Here's a brief comparison of Hulu with Live TV and YouTube TV](https://savingsbeagle.com/which-live-tv-streaming-service-is-best-for-you-heres-a-brief-comparison-of-hulu-with-live-tv-and-youtube-tv/): In the battle of live TV streaming services, Hulu + Live TV and YouTube TV are the two giants competing for viewers’ attention. Both services offer around 100 popular channels, including local channels, unlimited cloud DVR storage, and no long-term contracts. However, there are some key differences between the two that may sway your decision on which one to choose. Price has always been a factor in choosing a streaming service, and until recently, YouTube TV had the advantage with a $10 lower monthly price than Hulu + Live TV. However, starting in January 2025, both services will cost $82.99 […]
- [The Fate of Your Funds in the Event of Your Fintech Company's Collapse](https://savingsbeagle.com/the-fate-of-your-funds-in-the-event-of-your-fintech-companys-collapse/): In 2024, the collapse of Synapse Financial Technologies Inc., a fintech company backed by Andreessen Horowitz, left over 100,000 Americans locked out of their accounts with more than a quarter of a billion dollars in deposits. This incident shed light on the alarming truth that customers’ money may not be as protected as they assumed when using fintech services. The aftermath of the Synapse collapse revealed that up to $96 million in customer funds are still unaccounted for, leaving many individuals waiting to retrieve their money. The Federal Deposit Insurance Corp. (FDIC) logo displayed by many fintech apps may not […]
- [Amazon Prime Members Can Save on a Variety of Video Channels with This Holiday Promo - Channels Like (Paramount+ with Showtime, Starz, Hallmark+ and More) for $1.99 per Month for up to Two Months](https://savingsbeagle.com/amazon-prime-members-can-save-on-a-variety-of-video-channels-with-this-holiday-promo-channels-like-paramount-with-showtime-starz-hallmark-and-more-for-1-99-per-month-for-up-to-two-months/): Amazon is offering various Prime Video channels for only $1.99 per month for up to 2 months with this Holiday promotion. The Prime Video channels offering this discounted price are: You can view all the channels at this Prime Video Channels page as well as subscribe to the channels that are part of this promo. The deals run now through January 2, 2025. If you have any “no rush (shipping) credits” on your Amazon account, those may be able to be used to pay for these Prime Video Channels. Reports are showing both positive and negative success. And, when you’re ready […]
- [Hidden Gems: Underrated Streaming Shows You Need to Binge](https://savingsbeagle.com/hidden-gems-underrated-streaming-shows-you-need-to-binge/): In a world overflowing with streaming content, it’s easy to overlook some truly remarkable shows that deserve more attention. While blockbuster hits and popular series dominate the conversation, there are numerous hidden gems that offer unique storytelling, compelling characters, and unforgettable experiences. If you’re looking to diversify your watchlist, here are some underrated streaming shows that you need to binge. The OA Available on Netflix, “The OA” is a mind-bending series that combines elements of science fiction, fantasy, and drama. The story follows Prairie Johnson, a young blind woman who returns home after being missing for seven years, now with […]
- [Planning a Move to an Apartment? Make Sure You're Aware of These Required Practices and Costs](https://savingsbeagle.com/planning-a-move-to-an-apartment-make-sure-youre-aware-of-these-required-practices-and-costs/): The process of moving into your own apartment for the first time can be daunting, but with the right preparation, it can be a smooth transition. From understanding the rental process to figuring out how much rent you can afford, there are key steps to take to ensure a successful move. When it comes to applying for an apartment, be prepared to undergo a credit check and background criminal check. You may need a cosigner or a larger security deposit if your credit is not ideal. Additionally, most apartments require a gross monthly income of three times the rent. Understanding […]
- [Closing Old Credit Card Accounts Does Not Improve Your Credit Score, But This Action Will](https://savingsbeagle.com/closing-old-credit-card-accounts-does-not-improve-your-credit-score-but-this-action-will/): In the world of personal finance, managing credit cards can have a significant impact on your credit score. While it may seem like a good idea to close a credit card you no longer use, it can actually hurt your credit score in several ways. One major factor to consider is your credit utilization rate. This refers to how much of your total available credit you are using on your credit cards. Closing a credit card can cause your credit utilization rate to surge, which can negatively affect your credit score. Additionally, closing a credit card can also lower your […]
- [Krampus, Gremlins, Black Christmas, and Other Holiday Horror Films To Add an Edge to Your Festive Viewing Options](https://savingsbeagle.com/krampus-gremlins-black-christmas-and-other-holiday-horror-films-to-add-an-edge-to-your-festive-viewing-options/): As the holiday season approaches, many people are looking for ways to get into the festive spirit. While not exactly my choice for this time of year, for those who enjoy a good scare, streaming some holiday horror movies might be the perfect way to mix things up. From zombies to killer Santas, these films offer a unique twist on the classic Christmas themes we all know and love. Starting off the list at No. 7 is “Anna and the Apocalypse,” a holiday horror musical that combines catchy tunes with zombie mayhem. This 2018 film follows a group of teenagers […]
- [Top Streaming Services to Watch in 2025](https://savingsbeagle.com/top-streaming-services-to-watch-in-2025/): As we prepare for 2025, the landscape of streaming services continues to evolve, offering viewers a plethora of options to choose from. Whether you’re a fan of blockbuster movies, binge-worthy TV shows, or niche documentaries, there’s a streaming service tailored to your preferences. Here’s a look at the top streaming platforms you should consider this coming year. Netflix Netflix remains a dominant player in the streaming world, known for its vast library of original content. From award-winning series like “Stranger Things” and “The Crown” to an extensive collection of films across genres, Netflix continues to innovate with its programming and […]
- [Are You Frustrated with Increasing Grocery Prices? Discover How to Save Money](https://savingsbeagle.com/are-you-frustrated-with-increasing-grocery-prices-discover-how-to-save-money/): Have you recently felt a pang of frustration when checking out at the grocery store and seeing the total on your receipt? You’re not alone. Americans across the country are still grappling with the effects of soaring grocery prices. Recent data shows that between 2021 and 2023, food-at-home spending in the U.S. increased by a significant 14.5%. This surge means that the average monthly grocery bill for Americans has gone up from $438.25 to $504—an increase that is putting a strain on many household budgets. But what exactly is causing this steady rise in grocery prices, and how can individuals […]
- [Exploring the Future: What Lies Ahead for Streaming Platforms?](https://savingsbeagle.com/exploring-the-future-what-lies-ahead-for-streaming-platforms/): As the digital landscape continues to evolve, streaming platforms have become a cornerstone of modern entertainment. From Netflix and Hulu to Disney+ and Amazon Prime Video, these services have significantly transformed how audiences consume media. With intensifying competition and technology paving the way for new consumption habits, the future of streaming platforms promises to be both exhilarating and unpredictable. Here, we delve into the trends and innovations on the horizon that may define the next chapter of digital streaming. The Rise of Niche Streaming Services In an age where consumers are increasingly discerning about their viewing habits, niche streaming platforms […]
- [Characteristics of the Average Costco Shopper](https://savingsbeagle.com/characteristics-of-the-average-costco-shopper/): Costco, the beloved warehouse retailer known for its bulk buying options and unbeatable savings, has a loyal following of over 127 million customers worldwide. But who exactly is the typical Costco shopper, and what keeps them coming back for more?] The Typical Costco Shopper According to recent data, Costco’s typical customer tends to be older, with 66% being either Gen X or Baby Boomers. Additionally, 61% of shoppers are white, with around half falling into the middle-income bracket and 36% in the high-income category. The appeal of Costco’s bulk buying options is particularly attractive to large families and those looking […]
- [The Increasing Threat of Sim Swapping Scams and Tips for Protecting Yourself](https://savingsbeagle.com/the-increasing-threat-of-sim-swapping-scams-and-tips-for-protecting-yourself/): The rise of SIM swapping attacks has become a growing concern for individuals who rely heavily on their cell phones for communication and security. These attacks allow criminals to gain access to your cell phone number, giving them the ability to intercept important messages, including two-factor authentication codes, which can then be used to hack into your accounts, including your bank account. SIM Swapping What exactly is SIM swapping? It is a method used by malicious actors to trick your cell phone carrier into connecting their device to the network using your SIM card information. This effectively gives them control […]
- [Never miss out on sports with DIRECTV Sports Pack](https://savingsbeagle.com/never-miss-out-on-sports-with-directv-sports-pack/): DIRECTV Sports Pack: Your Ultimate Guide to Watching Your Favorite Sports Channels If you’re a sports fanatic looking for the best way to catch all the live action from your favorite leagues and teams, look no further than DIRECTV Sports Pack. With a 5-day free trial and access to over 20 specialty sports channels, this add-on pack is a must-have for any die-hard sports fan. So, what exactly can you expect from DIRECTV Sports Pack? For starters, you’ll have access to channels dedicated to the NFL, NBA, NHL, and MLB, as well as over 30 regional sports networks. This means […]
- [Why More People Are Opting for Streaming Over Cable: The Trend of Cutting the Cord](https://savingsbeagle.com/why-more-people-are-opting-for-streaming-over-cable-the-trend-of-cutting-the-cord/): The rise of streaming services has revolutionized how people consume television and movies, leading to a significant shift away from traditional cable TV subscriptions. With cost, flexibility, content variety, and personalized viewing experiences driving the change, more and more consumers are opting to “cut the cord” and embrace the future of entertainment. Gone are the days of costly cable TV subscriptions, with many households now finding streaming services like Netflix, Hulu, and Amazon Prime Video to be a more affordable alternative. With prices ranging from $5 to $15 per month, streaming services offer a budget-friendly option for consumers looking to […]
- [What college football bowl games can be watched on Sling TV?](https://savingsbeagle.com/what-college-football-bowl-games-can-be-watched-on-sling-tv/): College football fans, get ready to kick off the bowl season with Sling TV! With more than 40 college football bowl games coming up, Sling TV is the cheapest way to catch all the action on TV. But which games can you watch with a Sling subscription starting at just $40 per month? First off, let’s talk about the channels carrying the bowl games. ABC, ESPN, Fox, CBS, TNT, and even The CW will be broadcasting the games. Sling TV doesn’t offer CBS and The CW, but fear not, you can still access these channels with an over-the-air antenna or […]
- [Get a lifetime subscription to BitMar streaming content-finder for only $15, a 90% discount from the regular price](https://savingsbeagle.com/get-a-lifetime-subscription-to-bitmar-streaming-content-finder-for-only-15-a-90-discount-from-the-regular-price/): Attention all streaming enthusiasts! Have you ever found yourself endlessly scrolling through different platforms trying to find that one movie or TV show you want to watch? Well, look no further because BitMar is here to save the day! BitMar is a revolutionary streaming tool that allows users to search for millions of movies, TV shows, songs, and more across all sources until they find what they’re looking for available for free. And the best part? For a limited time, you can get a lifetime subscription to BitMar for just $15! With BitMar, you can say goodbye to the endless […]
- [Don't miss the season finale of 'Dune Prophecy' and series finale of 'What We Do in the Shadows' airing this week](https://savingsbeagle.com/dont-miss-the-season-finale-of-dune-prophecy-and-series-finale-of-what-we-do-in-the-shadows-airing-this-week/): As the countdown to Christmas continues, viewers can look forward to an exciting week of entertainment ahead. From the series finale of “What We Do in the Shadows” to the premiere of “The Secret Lives of Animals” and the thrilling new thriller “Juror #2,” there’s something for everyone to enjoy. Sports fans won’t be left out either, with the NBA Cup championship game between the Milwaukee Bucks and the Oklahoma City Thunder, as well as the College Football Playoff first round matchup between the Tennessee Volunteers and the Ohio State Buckeyes. And for fans of science fiction, the series finale […]
- [The Changing Landscape of Television: The Emergence of Streaming Services](https://savingsbeagle.com/the-changing-landscape-of-television-the-emergence-of-streaming-services/): In an era where viewers have more choices than ever before, streaming services have emerged as a game-changer in the world of television. With their convenience, binge-watching capabilities, high-quality original content, and personalized recommendations, streaming services have completely transformed the way we watch TV. As more and more viewers shift away from traditional cable and towards streaming services, the entertainment industry has had to adapt to this new paradigm. Networks and studios are investing in their own streaming platforms in order to compete in this rapidly evolving landscape. With the future of television clearly leaning towards streaming services, it’s safe […]
- [Here's Your Chance to Win 1 Million Chase Ultimate Rewards Points](https://savingsbeagle.com/heres-your-chance-to-win-1-million-chase-ultimate-rewards-points/): Chase is offering select credit card holders the chance to win 1 million Chase Ultimate Rewards points with its 10 Million Points Giveaway. You must be a primary cardmember of one of the Chase credit cards listed below to be eligible for this promotion. The promotion runs now (began December 3, 2024) through January 31, 2025. There is a limit of one entry per person per day. What’s not clear is if you hold multiple Chase credit cards on the above list, if each card counts as one entry. For some, that would be a lot of entries each day. […]
- [Reach Your Financial Goals Before the End of the Year with These ChatGPT Tips](https://savingsbeagle.com/reach-your-financial-goals-before-the-end-of-the-year-with-these-chatgpt-tips/): The use of artificial intelligence (AI) in financial planning is becoming increasingly popular, with tools like ChatGPT providing users with insights and recommendations on how to improve their finances. While consulting a financial advisor or accountant is typically the best way to get personalized financial advice, AI chatbots can be a cost-effective and convenient alternative for those looking to expand their knowledge about managing their finances. By using the right prompts, individuals can tap into the power of AI to develop a plan to enhance their financial situation before the end of the year. ChatGPT and other generative AI platforms […]
- [Here's an Easy Way to Earn Some Money This Holiday Shopping Season](https://savingsbeagle.com/heres-an-easy-way-to-earn-some-money-this-holiday-shopping-season/): Rakuten, the cash back earning site, is offering an increased sign-up bonus of $40. Rakuten’s holiday shopping season promo is offering new members a $40 sign up bonus when $40 or more is spent on qualifying purchases made via the various retailer’s Rakuten link. New members will not only earn the $40 sign-up bonus, but also the cash back that’s being offered by the individual retailer when you shop. Savings Beagle’s $40 Sign-Up Bonus Referral Link Outside of the $40 spend requirement, the only other stipulation is those purchases must be made within 90 days of joining Rakuten. Which shouldn’t […]
- [10 Unknown Mistakes in Traditional IRA Management](https://savingsbeagle.com/10-unknown-mistakes-in-traditional-ira-management/): Traditional IRAs are a popular investment option for those looking to secure their retirement funds. However, there are several common mistakes that investors should be aware of to ensure they are making the most of their accounts. Here are some key mistakes to avoid when managing your traditional IRA: 1. Not Knowing the Difference Between a Roth and a Traditional IRA: It is crucial to understand the distinctions between a Roth and a Traditional IRA to choose the best option for your financial goals. 2. Failing To Make Smart Contributions: Maximizing your contributions early in the year can lead to […]
- [Save on Your Amazon Purchcases with These Credit Card Deals Now Through the 2024 Holiday Shopping Season](https://savingsbeagle.com/save-on-your-amazon-purchcases-with-these-credit-card-deals-now-through-the-2024-holiday-shopping-season/): Below are the latest credit card savings opportunities for Amazon purchases. Remember, most/all require an item to be “shipped and sold by Amazon” to qualify for the savings. To take advantage, just log in to your Amazon account and click the appropriate link to see if your Amazon account has the savings deal available to it. Keep in mind, these deals are targeted, so not everyone will have the deal on his/her account.  But it’s always worth checking. Now the current Amazon/credit card savings deals. American Express Variable savings up to 40% – max discount of $80  – Good through 12/31/2024 Capital […]
- [Amazon Prime Video Channel Deal Pricing Good Now Through December 2nd](https://savingsbeagle.com/amazon-prime-video-channel-deal-pricing-good-now-through-december-2nd/): Amazon is offering Prime members discounted pricing on select Video Channels through December 2nd. Discount pricing is good for two months and is per month. Log in to your Prime account to see deals/pricing. Here are the Channels offering discounted pricing: You can view all the Channels with deal pricing and subscribe at the Amazon Prime Video link below under the “Black Friday and Cyber Monday subscription deals” header. Amazon Prime Video Channels Holiday Deal Pricing If you have any “no rush” shipping credits on your Amazon account, those can be used to offset/pay in full the subscription costs.  Otherwise, the per-month […]
- [Investing Your First $500: A Guide to Making Your First Investment Choice a Success](https://savingsbeagle.com/investing-your-first-500-a-guide-to-making-your-first-investment-choice-a-success/): As with most things, the first step is the hardest. With that in mind, don’t let limited funds keep you from taking that step and starting your investing journey.  A key, however, is making the right investment choice with that first purchase.  Here are some thoughts. Many people believe that with only $500 to start investing, they are restricted to penny stocks. However, this is not the case. Investors are not limited to a specific type of stock based on the amount of money they have. A $500 investment holds the same value, regardless of the number of shares purchased […]
- [Lots of Savings Opportunities for Your Online Shopping in the Coming Days](https://savingsbeagle.com/lots-of-savings-opportunities-for-your-online-shopping-in-the-coming-days/): As we enter the holiday shopping season, more savings opportunities for online shopping are making an appearance. One of my favorite cash back sites, Rakuten, is offering increased cash back rates today, Monday, November 11th, with additional options in the coming days. Here are a few examples. Today’s Offerings: You can view all of today’s cash back offers at this link. Then, tomorrow, Tuesday, November 12th, starts Rakuten’s ten days of “The Big Cash Back Unwrap.” Each day offers a significant cash back amount at a specific retailers. Check the image below and plan ahead if anything looks of interest […]
- [Is it Beneficial for Military Members to Open a Roth IRA?](https://savingsbeagle.com/is-it-beneficial-for-military-members-to-open-a-roth-ira/): The U.S. armed forces offer active members the opportunity to invest in a thrift savings plan (TSP) as part of their retirement savings strategy. While the TSP and Roth TSP are great options, some service members may benefit from also investing in a Roth individual retirement account (IRA). A Roth IRA allows for tax-free withdrawals in retirement, making it an appealing option for those expecting to be in a higher tax bracket later in life. Additionally, individuals in the military receiving tax-free combat pay can maximize their tax advantages by contributing to a Roth account. The advantages of a Roth […]
- [Charles Ponzi: A Look into His Life and Legacy](https://savingsbeagle.com/charles-ponzi-a-look-into-his-life-and-legacy/): Although many people may not be familiar with the name Charles Ponzi, his legacy lives on through the infamous Ponzi scheme. The term “Ponzi scheme” or “pyramid scheme” is synonymous with a fraudulent investment scam where money from new investors is used to pay off earlier investors, ultimately enriching the creator of the scheme. Charles Ponzi was born in Italy in 1882 and had a tumultuous early life filled with menial jobs and criminal activities. However, his life took a turn when he discovered a way to make money through international reply coupons and discrepancies in foreign exchange rates. This […]
- [Items That Should Never Be Purchased with Home Equity Loans](https://savingsbeagle.com/items-that-should-never-be-purchased-with-home-equity-loans/): Are you considering taking out a home equity loan? Before you do, it’s important to understand the risks involved. While a home equity loan can provide you with easy access to cash at a relatively low cost, it comes with a price. By borrowing against your home’s equity, you are putting your home at risk and potentially preventing yourself from building wealth in the long term. Experts advise against using a home equity loan for purposes that won’t directly increase your home’s value. This includes using the loan to pay for college, buy a car, invest, or fund a lavish […]
- [Lending to Friends and Family: Dos and Don'ts](https://savingsbeagle.com/lending-to-friends-and-family-dos-and-donts/): The topic of lending money to family and friends is a common dilemma many people face. While it can be a gesture of goodwill to help someone in need, there are important factors to consider before making the decision to lend money. According to a recent study, nearly one-third of adults provide financial assistance to someone they know. When considering lending money to friends and family, it is crucial to establish boundaries and consider the potential financial and emotional impact. Creating a loan agreement can help avoid misunderstandings and legal issues down the line. Additionally, it is important to only […]
- [What is the Maximum Amount You Can Borrow with a Home Equity Loan?](https://savingsbeagle.com/what-is-the-maximum-amount-you-can-borrow-with-a-home-equity-loan/): The world of home equity loans and HELOCs can be a bit confusing, but understanding the basics can help you make informed decisions about borrowing against the equity in your home. When it comes to these types of loans, lenders use the equity you own in your home as collateral. This means that the loan is secured against the value of your home, which can result in competitive interest rates similar to those of first mortgages. Typically, lenders will offer you up to 80% of your combined loan-to-value (CLTV) ratio, which is the difference between the value of your house […]
- [Dunkin' HoliDeals for November 2024](https://savingsbeagle.com/dunkin-holideals-for-november-2024/): It looks like the spending slowdown is hitting Dunkin’ since we haven’t seen meaningful Dunkin’ deals for quite a while. Not sure these deals exactly fit the “meaningful” definition, but they’re deals nonetheless. See if any appeal to you. Reminder – you need to be a Dunkin’ Rewards member to get these deals. And activate them in the Dunkin’ app prior to purchase. November Dunkin’ HoliDeals Medium hot or iced coffee, bacon, egg and cheese sandwich and an order of hashbrowns for $6 – valid through November 30, 2024 November 5-11 – $3 medium Cold Brew November 6, 13, 20 […]
- [P&G 2024 Holiday Savings Rebate Promo](https://savingsbeagle.com/pg-2024-holiday-savings-rebate-promo/): P&G is once again offering a rebate on select P&G products. This promo covers qualifying purchases made September 29, 2024, through December 29, 2024. When you spend $50 on select P&G products, you can receive a $15 prepaid Visa gift card. And select Procter and Gamble purchases totaling $20 can receive a $5 prepaid Visa gift card. All qualifying P&G purchases made between September 29th and the promotion’s end date of December 29, 2024, will count toward the required spend amount…as long as you have the receipts, or can access them online. There is, unfortunately, a limit of 1 submission per person/email address/household. PROCTER AND GAMBLE HOLIDAY […]
- [What is Decentralized Finance (DeFi) and How Does It Work?](https://savingsbeagle.com/what-is-decentralized-finance-defi-and-how-does-it-work/): In a world dominated by traditional financial institutions, a new player has emerged to challenge the status quo. Decentralized finance (DeFi) is revolutionizing the way people transact by using blockchain technology and cryptocurrencies to facilitate peer-to-peer transactions. By bypassing banks and other intermediaries, DeFi aims to reduce costs and transaction times for users. The key principle behind DeFi is to empower individuals with direct access to financial services, without the need for centralized institutions like banks. This emerging financial system is still in its infancy, but it is already making waves in the industry. Through peer-to-peer financial networks, DeFi utilizes […]
- [Creative Ways to Save for a Home Down Payment: From Assistance Programs to Downsizing](https://savingsbeagle.com/creative-ways-to-save-for-a-home-down-payment-from-assistance-programs-to-downsizing/): The dream of owning a home may feel out of reach for many due to the hefty down payment required. However, there are creative ways to save up for that 20% down payment and make homeownership a reality. One option is to look for down payment assistance programs. Organizations like the Federal Housing Administration (FHA) offer loans for low-to-moderate-income borrowers with lower down payment requirements. Veterans and active-duty military can also benefit from VA loans with zero down payments. First-time buyers can take advantage of incentives and programs aimed at helping them achieve homeownership. The Department of Housing and Urban […]
- [Bank Bonuses: Tax Implications and Expected Payment Amounts](https://savingsbeagle.com/bank-bonuses-tax-implications-and-expected-payment-amounts/): The allure of bank bonuses can be tempting, with financial institutions offering hundreds of dollars for simply opening a new account. However, it’s important to remember that these bonuses are taxable as income, and failing to plan ahead could result in a surprise tax bill. Bank bonuses typically range from $100 to $500 for personal deposit accounts like checking and savings accounts. New customers may qualify by meeting deposit or balance requirements or other criteria set by the bank. When you receive a bank bonus, the financial institution may send you a Form 1099-INT or 1099-MISC for tax reporting purposes. […]
- [Are You Eligible for Collecting Social Security Benefits Abroad? Find Out Here!](https://savingsbeagle.com/are-you-eligible-for-collecting-social-security-benefits-abroad-find-out-here/): The Social Security Administration (SSA) reports that over 760,000 people receive Social Security benefits while living abroad each year. However, eligibility to receive these benefits overseas varies depending on factors such as citizenship status and country of residence. For U.S. citizens, the general rule is that retirement, disability, or survivor benefits can be collected while living outside the U.S. as long as the usual eligibility criteria are met. However, benefit payments are restricted in certain countries like Cuba and North Korea. Non-U.S. citizens are subject to a different set of rules, depending on their home country and the type of […]
- [The Four Parts of Medicare: Which Parts Are Essential for You?](https://savingsbeagle.com/the-four-parts-of-medicare-which-parts-are-essential-for-you/): Medicare is a crucial national health insurance program that provides coverage to individuals aged 65 and older, younger people with disabilities, and those with end-stage renal disease. With four parts – Part A, Part B, Part C, and Part D – it’s essential to understand the options available to make informed decisions about your healthcare coverage. Medicare Part A: Hospital Insurance Medicare Part A covers hospitalization costs, including inpatient care, skilled nursing facilities, hospice care, and home health care. While most individuals do not have a monthly premium for Part A if they or their spouse paid Medicare taxes for […]
- [The Implications of a High-Yield Year (Savings Accounts, CDs, Treasurys, etc.) on Your Taxes](https://savingsbeagle.com/the-implications-of-a-high-yield-year-savings-accounts-cds-treasurys-etc-on-your-taxes/): As interest rates rise, high-yield savings accounts become more attractive to savers looking to earn more on their money. However, it’s essential to understand the tax implications of earning interest on these accounts. Interest earned on savings accounts is taxable at ordinary income tax rates, meaning you’ll owe taxes on the interest you earn each year. This includes interest earned on certificates of deposit (CDs), money market accounts, Treasury bills, and other savings vehicles. For example, if you earn $1,650 in interest from a high-yield savings account and fall into the 24% tax bracket, you would owe $396 to the […]
- [Did the U.S. Government Purposely Cause the Inflation We've Seen the Past Few Years?](https://savingsbeagle.com/did-the-u-s-government-purposely-cause-the-inflation-weve-seen-the-past-few-years/): As we approach the final days of the 2024 presidential election, the economy, specifically high prices, is top of the list for most voters. When pressed, elected officials and their surrogates offer a variety of reasons for the extremely high inflation that we’ve suffered over the past few years. For those who were in charge during that time, the pandemic is the typical scapegoat. And price gouging by greedy corporations. But, what if the government itself was purposefully responsible for creating and enabling the inflation we continue to battle? To understand why that question is even being asked by some, […]
- [Furlough vs. Layoff: Understanding the Difference](https://savingsbeagle.com/furlough-vs-layoff-understanding-the-difference/): In the current economic climate, many employers are facing tough decisions when it comes to managing their workforce. Furloughs and layoffs have become common strategies to address the challenges of reduced work or budget constraints. While both furloughs and layoffs can result in employees not receiving a paycheck, there are key differences between the two. A furlough is typically temporary, with the expectation that employees will return to work once the situation improves. During a furlough, employees may see a reduction in hours and pay, but they often have the benefit of retaining their benefits through their employer, albeit possibly […]
- [The Evolution of the U.S. Dollar as the Global Reserve Currency](https://savingsbeagle.com/the-evolution-of-the-u-s-dollar-as-the-global-reserve-currency/): The history of the U.S. dollar is a fascinating journey that dates back to colonial times when paper currency was first used to fund military operations. Fast forward to 1914, the first U.S. dollars were printed, marking the beginning of a currency that would eventually become the world’s reserve currency. The U.S. dollar officially became the global reserve currency in 1944, following the Bretton Woods Agreement signed by 44 allied countries. This agreement pegged world currencies to the U.S. dollar, establishing fixed exchange rates and allowing countries to redeem dollars for gold on demand. Over the years, the U.S. dollar’s […]
- [Understanding State Minimum Insurance Coverage: Is It Enough in a Car Accident?](https://savingsbeagle.com/understanding-state-minimum-insurance-coverage-is-it-enough-in-a-car-accident/): Car accidents are a common occurrence on the roads, and having the right insurance coverage is essential to protect yourself financially in case of an accident. Personal liability insurance is a crucial part of your auto insurance policy that covers you if you’re at fault in an accident that injures someone else or damages their property. Every state, except for New Hampshire, requires car owners to have a minimum amount of liability coverage. This coverage includes bodily injury liability, which covers physical injuries to another person in an accident, and property damage liability, which covers damage to someone else’s property. […]
- [Understanding the Reverse Mortgage Appraisal Process](https://savingsbeagle.com/understanding-the-reverse-mortgage-appraisal-process/): The process of getting a reverse mortgage can be complex, and one crucial step in this process is the home appraisal. Before a lender can determine how much of a loan to offer you, your home must be professionally appraised. A reverse mortgage allows homeowners aged 62 and older to tap into their home equity and receive payments. This type of loan can provide a steady income stream during retirement. However, like other mortgage loans, the home must undergo an appraisal to determine its value. The appraisal process for reverse mortgages is similar to a typical home appraisal. The appraiser […]
- [Robo-Advisor versus Index Fund: A Comparison](https://savingsbeagle.com/robo-advisor-versus-index-fund-a-comparison/): Investors today have a plethora of options when it comes to crafting well-diversified portfolios, with index funds and robo-advisors standing out as accessible and effective tools. An index fund is a low-cost, passive investment strategy that aims to mirror the performance of a specific market index, while a robo-advisor automates the creation and management of diverse investment portfolios. The key difference between the two lies in the level of user involvement. While investing in index funds requires manual creation and balancing of one’s portfolio for optimal diversification, robo-advisors offer automated portfolio management. Index funds, pioneered by John Bogle, provide broad […]
- [Understanding Credit Card Networks: The Backbone of Electronic Transactions](https://savingsbeagle.com/understanding-credit-card-networks-the-backbone-of-electronic-transactions/): In today’s world, credit card networks play a crucial role in facilitating transactions between customers and merchants. These networks provide the infrastructure for financial institutions to communicate, approve transactions, and transfer funds. Just like an international shipping company that bridges the gap between two countries, credit card networks ensure that payments are processed smoothly. The four major credit card networks in the United States are Visa, Mastercard, American Express, and Discover. These networks not only handle credit card transactions but also debit card transactions. They charge various fees to businesses for processing payments, which may ultimately impact consumers in the […]
- [Understanding the Home Appraisal Process: What Buyers and Sellers Need to Know](https://savingsbeagle.com/understanding-the-home-appraisal-process-what-buyers-and-sellers-need-to-know/): The appraisal process in real estate transactions plays a crucial role in determining the true value of a property. Whether you are a buyer or a seller, understanding the appraisal process can help you navigate the home buying or selling experience more efficiently. As a buyer, you will be responsible for paying for the appraisal, which typically costs between $314 and $423. Your main concern is that the appraisal accurately reflects the true value of the home you are looking to purchase. On the other hand, as a seller, you also want an accurate valuation that is not understated. The […]
- [The Pros and Cons of Downsizing for Retirement: What You Need to Consider](https://savingsbeagle.com/the-pros-and-cons-of-downsizing-for-retirement-what-you-need-to-consider/):   The Baby Boomer generation is retiring at a record-setting pace, with over 11,000 individuals retiring each day in America. Many retirees are considering downsizing as a way to reduce expenses and simplify their lifestyles. According to a recent survey, one in four Southern Living consumers plan to retire within the next 10 years, with half of them planning to downsize at some point during their retirement. Downsizing for retirement typically involves moving into a smaller home or property, whether it be a smaller house, apartment, mobile home, or even a more transient living option like an RV or boat. […]
- [Tips for Traveling in Retirement: Plan, Budget, and Save](https://savingsbeagle.com/tips-for-traveling-in-retirement-plan-budget-and-save/): Retiring and planning to travel the world? You’re not alone! According to a recent survey, 60% of retirees dream of exploring new destinations once they stop working. But how can you turn this dream into a reality? Here are some tips to help you plan your post-retirement adventures. 1. Make a Plan Before Retirement: Start planning for your travels early by incorporating the cost into your retirement plans. Consider your retirement date, financial goals, risk tolerance, and desired lifestyle. Discuss your travel ideas, consider your finances, plan for Social Security benefits, factor in health concerns, and make a list of […]
- [Understanding Soft Credit Checks vs. Hard Credit Checks: Key Differences and Impacts on Your Credit Score](https://savingsbeagle.com/understanding-soft-credit-checks-vs-hard-credit-checks-key-differences-and-impacts-on-your-credit-score/): When it comes to applying for credit cards, loans, or even renting a new apartment, you may be subject to a credit check. However, not all credit checks are created equal. There are two main types: soft and hard credit checks. Understanding the difference between the two can help you protect your credit score. Soft credit checks are typically used for informational purposes and do not impact your credit score. They may occur during pre-screening processes, when you check your own credit, or when you apply for a new job or apartment. On the other hand, hard credit checks are […]
- [Understanding Gift Letters in Real Estate Transactions: What You Need to Know](https://savingsbeagle.com/understanding-gift-letters-in-real-estate-transactions-what-you-need-to-know/): As real estate prices continue to rise, family members’ financial assistance is becoming more common for first-time homebuyers.  Banks, however, are very particular about where funds for home purchases are coming from, especially when the funding isn’t directly the result of buyers’ income or savings. In come gift letters. The use of gift letters in real estate transactions is a common practice that helps borrowers prove that money received from friends or family is a gift and not a loan. These letters are especially important when it comes to making a down payment on a new home or other real […]
- [Understanding Business Checking Accounts and Their Benefits](https://savingsbeagle.com/understanding-business-checking-accounts-and-their-benefits/): Are you a business owner looking to streamline your financial transactions and simplify your bookkeeping? If so, a business checking account may be the solution you need. A business checking account operates similarly to a personal checking account but is tailored to accommodate the unique needs of business activities. This type of account allows you to accept payments, pay bills, transfer funds, and manage your day-to-day cash flow efficiently. Financial experts recommend all business owners, regardless of the size of their business, to have a business checking account. This can help in simplifying tax preparation, improving cash management, and enhancing […]
- [Understanding No-Closing-Cost Refinancing: Pros, Cons, and Considerations](https://savingsbeagle.com/understanding-no-closing-cost-refinancing-pros-cons-and-considerations/): The trend of homeowners refinancing their mortgages has been gaining popularity, especially with interest rates hitting recent lows. Refinancing can offer significant savings for homeowners, whether it’s through lower monthly payments, tapping into home equity for renovations, or switching to a more stable fixed-rate mortgage. One of the options available to homeowners is a no-closing-cost refinance, where closing costs are either rolled into the new loan or covered by a slightly higher interest rate. This can be an attractive option for those looking to refinance without spending a lot of money upfront. However, it’s essential for homeowners to understand the […]
- [Is an Annual Physical Covered by Medicare?](https://savingsbeagle.com/is-an-annual-physical-covered-by-medicare/): Annual physicals are essential for monitoring overall health and detecting potential issues early on. While most health insurance plans cover these routine checkups, Medicare does not. However, Medicare does offer similar services such as an annual wellness visit and a Welcome to Medicare exam, both focusing on preventive care and maintaining good health. The Welcome to Medicare visit is a free initial preventive physical exam that Medicare covers during the first 12 months after enrollment in Part B. This exam gathers information about your health status, risks for diseases, and provides recommendations to improve or maintain your health. On the […]
- [Top 10 Most Popular Countries for US Expats and Living Costs Analysis](https://savingsbeagle.com/top-10-most-popular-countries-for-us-expats-and-living-costs-analysis/): The latest data from the UN International Migrant Stock has revealed the top 10 most popular countries for US expats. Mexico takes the lead with 799,248 US expats, followed by Canada with 273,226 and the UK with 170,771. Germany, Australia, Israel, South Korea, France, Japan, and Spain complete the list. When considering retirement destinations, financial factors play a crucial role. Housing prices, healthcare costs, personal income tax, and property tax are important considerations. The Organization for Economic Cooperation and Development (OECD) has collected data on these factors for the top 10 countries among US expats, providing valuable insights for retirees. […]
- [Tips on Getting Health Insurance Without a Job and Exploring Different Options](https://savingsbeagle.com/tips-on-getting-health-insurance-without-a-job-and-exploring-different-options/): In recent times, with more than 60% of people in the United States getting health insurance through their employer, losing a job can leave individuals wondering how to maintain their medical coverage. The option to get health insurance without a job is available through various avenues, including the Health Insurance Marketplace, short-term health insurance plans, and Medicaid. Health Insurance Marketplace plans offer individuals the opportunity to compare and purchase coverage through federal or state websites. These plans are known for their affordability and the availability of premium tax credits for qualifying individuals and families. Additionally, individuals cannot be denied coverage […]
- [Understanding Credit Scores: What Constitutes a Fair Credit Score?](https://savingsbeagle.com/understanding-credit-scores-what-constitutes-a-fair-credit-score/): In the world of credit scores, a fair credit score can fall between 580 to 669 on the FICO scale or 601 to 660 on the VantageScore scale. This range sits above poor credit but below good credit, making it a pivotal point for many individuals seeking financial stability. With the average credit score among Americans sitting at 717, according to a recent FICO report, those with fair credit may face challenges in qualifying for loans and accessing competitive interest rates. Having a fair credit score can be indicative of past financial struggles, making lenders wary of extending credit. This […]

## Pages

- [U.S. Series I Savings Bonds - 6.89% Return](https://savingsbeagle.com/u-s-series-i-savings-bonds-7-return/): U.S. Series I Savings Bonds are currently a great option for safely growing your money at a relatively strong rate of return. I Bonds, in a nutshell, offer a return that is a combination of a fixed rate (which is currently 0%) and a variable inflation rate – which, as of February 1, 2023, is 6.89%. A 9.62% return on a government-backed investment is about as good as it gets these days. You can get more information, as well as links to purchase I Bonds in our post “U.S. Government I Bonds to Pay 9.62% Beginning May 2022.” This rate […]
- [Privacy Policy](https://savingsbeagle.com/privacy-policy/): Savings Beagle Privacy Policy Your privacy is very important to us. At Savings Beagle privacy is paramount, and we… §  don’t ask you for personal information unless we truly need it. §  don’t share your personal information with anyone except to comply with the law, develop our products, or protect our rights. §  don’t store personal information on our servers unless required for the on-going operation of our site. It is Savings Beagle’s policy to respect your privacy regarding any information we may collect while operating our website. Website Visitors Like most website operators, Savings Beagle collects non-personally-identifying information of […]
- [High Yield Certificates of Deposit](https://savingsbeagle.com/high-yield-certificates-of-deposit/): High yield certificates of deposit (CDs) are a financial vehicle, similar to high yield savings accounts, that typically provides safety in the form of FDIC insurance and an increased earning rate on your invested money. Unlike a high yield savings account, a certificate of deposit will lock in a specific interest rate for a predetermined period of time. The longer the period of investment, usually, the higher the interest rate. And, it’s common for many financial institutions to offer higher introductory rates on CDs to generate customer interest. Be aware, once the introductory period ends, interest rates will be reduced […]
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- [Credit Cards](https://savingsbeagle.com/credit-cards/)
- [How's the Economy?](https://savingsbeagle.com/hows-the-economy/): Various economic indicators, when viewed together, can provide a fairly reasonable snapshot of how the U.S. economy is doing. Is the U.S. economy growing? Is it contracting? Are we headed toward a downturn where business will slow, jobs will be lost and the markets will drop? A quick glance every once in a while at some key economic indicators can give us an idea where we are and what may be coming. We’re providing this Economic Indicators page as a reference for readers to get this quick idea of how the U.S. economy is fairing at any given time. The […]
- [Make Money](https://savingsbeagle.com/make-money/): SoFi SoFi and its various monetary products can not only make you money as a result of your initial deposit/investment, but can be a major money-maker when it comes to account referrals. Read more about one of SoFi’s products, SoFi Money, in our piece below. Open a SoFi Money Account and Earn an Easy $50, or More, with a $100 Deposit High Yield Savings Accounts High yield savings accounts are a great way to safely achieve higher returns than can be found at most traditional financial institutions. Use them to hold your emergency fund or other savings to achieve growth […]
- [Save Money](https://savingsbeagle.com/save-money/): Savings Beagle publishes a variety of content aimed at saving you money. If you’re just finding Savings Beagle, our Discussion Board may be the best place to start. We’ve “pinned” a number of informational posts we felt will be of interest to many in a variety of topic areas. And, of course, you can skim through the most recent posts to see if there are any money-saving deals for you. You can check out the Savings Beagle Discussion Board at this link. Or, you can hover over the Saving Money topic title and select a category that is of interest. […]
- [High Yield Savings Accounts](https://savingsbeagle.com/high-yield-savings-accounts/): High yield savings accounts are one of the few ways to grow your money safely while keeping it easily accessible. Below are some of the currently available high yield savings accounts and their associated information. Savings Beagle does not endorse any of the listed accounts. We provide the information for reference purposes only to make your research a little easier. If you know of additional accounts that are not listed, please let us know so that we can add them to the list. The current national (traditional) savings account interest rate according to the Federal Deposit Insurance Corporation (FDIC) is 0.35%. High […]
- [Dog Videos](https://savingsbeagle.com/entertaining-dog-videos/): Hunting out deals and researching the latest money saving opportunities can become a grind. And, especially these days, we all need something to brighten the mood.  These videos fit the bill. If you like what is posted, be sure and share the page via the share links to the left and below. Enjoy! Latest Dog Videos Gentle, but firm.  The look at the end speaks volumes. That's Enough🙂U/cyan1618 pic.twitter.com/RtfIzikS7n — Gaml. Y (@GY18164253) September 7, 2019 We all have to be careful when swimming in the ocean. Here a number of dogs go after a shark that’s ventured too close […]
- [Miles and Points 101](https://savingsbeagle.com/travel/miles-and-points/miles-and-points-101/): If you’re new to the Miles and Points hobby, this is the place for you. This introductory series of posts will provide the basics of acquiring and utilizing Miles and Points to make your travel dreams come true for little to no cost. Sound too good to be true?  That’s what I thought at first.  And then I read more, did my own research, and decided to carefully dip my toe into the Miles and Points game. Six years, and tens of thousands of dollars worth of free travel later, I’m still playing, and am glad I gave it a […]
- [The Roundup](https://savingsbeagle.com/the-roundup/)
- [Compensation Disclosure](https://savingsbeagle.com/compensation-disclosure/): This Compensation Disclosure is provided for your protection and to fully disclose any relationship between this site’s product or service recommendations and the owners of those product or services. The owners of this website are required by the FTC to inform you that a relationship exists between Savings Beagle and some of the products or services promoted on the site. Savings Beagle makes use of affiliate relationships with merchants for monetization. This means when you click on links to various merchants on this site and make a purchase, this can result in a commission that is credited to this site. […]
- [Amazon Affiliate](https://savingsbeagle.com/amazon-affiliate/): Savings Beagle is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.
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