Tag Archives: Savings

How to save money online: Book flights and trains at the cheapest times

**How to save money online: Book flights and trains at the cheapest times**



View Time:30Minutes



Find out how to save money online with voucher codes:

Learn how to save money on train and flight tickets by getting your timing right. The cheapest time to book train tickets is 12 weeks in advance and with flights it’s five weeks before departure. You can also save money on travel by setting up email alerts to get advance notice of the best deals. Or by downloading an app for your desktop or mobile that will notify you when prices drop.

For even more ways to save, watch our money-saving tips below.

Find out how to save money at online outlets:

Find out how to save money online by setting up price drop email alerts:
whenever you're booking a train or flight ticket it pays to get your timing right. The cheapest time to book a flight ticket is often 5 weeks before and with a train ticket it's twelve weeks. You can even set up reminders, so you don't miss the cheapest seats. make sure you're better off online.

How to Read Coupons

**How to Read Coupons**



View Time:4:38Minutes



This video shows how complicated reading coupons can be and all the different parts on a coupon that are important and should be checked before using a coupon.
Always know what each coupon is for and how and when they can be used. This video helps explain all that.
hi this is Pat at Canadian savings group and this is our YouTube channel today we're going to talk about how to read coupons I'm going to show you everything you need to know about how to read a coupon and understand them it seems easy to read coupons but there are a lot of complicated areas on coupons to understand the amount of the coupon the product the coupon covers the expiry date whether it's Canadian or not in a printed coupon has to have a unique pin number this video will explain everything you need to know so that you can read coupons and understand them the next picture I'm going to show you indicates the the main details the amount the product baby dove $2 off on any baby dub product that's any baby depth product so you have to read every single line on a coupon to understand it they're extremely important and can be quite complicated at times for example limit one coupon per purchase means absolutely one coupon per product that you purchase so if you're going to buy one tube of crest you need one coupon for that if you're purchasing 6 toothbrushes you need 6 coupons so one coupon per product per purchase using more than one coupon on a product is stacking and that's not allowed in Canada unless you're shopping at London Drugs as you can see on these coupons here it says limit one coupon per purchase that's one coupon not two not three just one so 6 products 6 coupons and you can go through checkout like that I've given you lots of examples here of what it looks like on a coupon limit one coupon per purchase with conditions you can you can't you can never use two coupons per purchase because that's stacking and there's only a lot of London drugs but this coupon shows which products exactly this coupon can be used for now there's another condition limit one coupon per customer when you have a coupon this is limit one coupon per customer it means you can only purchase one product during your transaction you can only check out with one product in one coupons limit one coupon per person per customer it's the same thing one coupon per store visit if you go to the store and come back in you're now a new customer you can purchase it again but you can only check out once with that product and that coupon you can't buy five or six or seven of them always read your coupons very carefully and they also sometimes say you cannot use it with other coupons so you can't stack them with other coupons you can't use them in conjunction with other coupons you have to be very careful with the wording on coupons on the next coupon shows what products coupon is good on for clover leaf specifically those products in the details on the back of the coupon the expiry date is also extremely important you can't use a coupon beyond its expiry date and all coupons have an expiry date there are very few that having no expiry date and any D you have any that are expired toss them out they're no good always check your coupons before you go to the store too if you're printing coupons most of them will have a UPC or pin number on them some will also have an offer number here's an example of the same coupon they all have the same offer number but they each have a unique pin number you also have to check that the remit to address is a Canadian address it might be Nova Scotian New Brunswick Scarborough but it has to be in Canada it can't be a u.s. address or that's a u.s. coupon if you've ever wondered what kind of fine coupon fraud carries its laid out specifically on most coupons and it tells you it's very strict and there have been people charged for coupon fraud be careful don't use your coupons inappropriately do the right thing subscribe to our youtube channel follow website and learn to coupon properly thank you for watching

Bernie Sanders and AOC want to lower credit card interest rates but it may not be a great idea

**Bernie Sanders and AOC want to lower credit card interest rates but it may not be a great idea**



View Time:6:21Minutes



Yahoo Finance’s Rick Newman discusses Bernie Sanders and Alezandria Ocasio Cortez’s plan to discuss lower credit card interest rates.

Nobody should ever pay a 25% interest rate to a credit-card issuer.

With that said, the understandable urge to pass a law capping what banks can charge could hurt the very people it’s meant to help, and cause other problems that may ravage people’s finances even worse.

On Thursday, Democrats Bernie Sanders and Alexandria Ocasio-Cortez introduced new legislation that would cap credit-card interest rates at 15%, and require the U.S. Postal Service to offer basic banking services for those who can’t afford a traditional bank.

The bill addresses legitimate problems. Millions of Americans are “unbanked” or “underbanked,” with limited access to modern financial tools that help people get ahead. And high rates often charged to low-income borrowers can lock in an unbreakable cycle of debt and poverty.

Solutions aren’t as obvious as they seem, however. Banks would lose revenue if there were a federal cap on card interest rates, which is why they oppose such a move. Don’t cry for them.

Banks would be fine, but they’d make other adjustments that the New York City congresswoman and Vermont senator may not be anticipating. Banks set rates according to the riskiness of the borrower — and if 15% were the most they could charge for what are basically loans via credit card, they’d curtail borrowing limits. It could result in credit to fewer people.

Some consumers with weak credit might not even be able to get a card —even if they paid off the balance each month and never paid interest. Fees might also rise just for having a card. And people who do get cards might try to borrow more via plastic, if rates were lower and it cost them less (another wrong incentive).

So unintended consequences of a cap would include less access to credit for some and more credit-card debt, at a slightly less onerous rate, for others.

People run up costly credit-card balances for a couple reasons. Some people are just uninformed or undisciplined consumers. The best solution there is consumer education, along with new tools like financial-planning apps that can help people manage money, and send alerts when spending levels are too high.

Others rely on credit cards because they simply lack the cash to buy basics when they need them, which is a tougher problem.

As bad as credit-card debt is, it’s better than borrowing from a payday lender or illicit loan shark. The core solutions here are improved financial literacy, better skills and stronger earning power for the most vulnerable consumers. None of those are a quick fix.

That speaks to the second part of the Sander-AOC plan, which is postal banking. The postal service has outlets in most American communities, and it already cashes government-issued checks. So why not expand that to basic financial services? Other countries do, including France, the U.K., Germany, Japan and South Korea.

This could work, but only if done carefully. It’s possible for the postal service to offer savings and checking accounts, debit cards, ATMs for cash withdrawal and other basic services that entail little risk. There are legitimate questions about whether an agency backed by the federal government should compete for customers with private-sector banks. But it would be possible to tailor a menu of postal financial services so narrowly that there’d be little overlap.

The legislative proposal would go further, requiring the postal service to offer low-interest loans— and this is where the problem begins.

Anybody making a loan faces a risk of not getting their money back, which is why banks do extensive research to establish creditworthiness standards. That’s a core expertise of banking. Riskier borrowers pay higher interest rates, because it’s more likely they’ll default on a loan.

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