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CVS is Closing 46 Stores

Posted on Wednesday, May 22nd, 2019 at 7:00 am
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CVS Health is going to close 46 underperforming stores. This change is happening as CVS shifts more of its retail presence toward health care. Here is a list of what CVS stores are already closed, or will be closing soon.

USA Today reported that the following CVS stores are closed or closing:

Alabama

  • Huntsville: 3115 Bob Wallace Ave SW
  • Mobile: 664 Schillinger Rd S
  • Montgomery: 2815 Lower Wetumpka Rd

Arizona

  • Phoenix: 7434 W Indian School Rd

California

  • Antioch: 3130 Buchanan Rd
  • San Francisco: 1285 A Sutter St
  • San Francisco: 995 Market St
  • Sun Valley: 9375 San Fernando Rd

District of Columbia

  • Washington, DC: 1201 Maryland Ave SW

Delaware

  • Wilmington: 402 N Maryland Ave

Florida

  • Daytona Beach: 1350 Beville Rd
  • North Fort Myers: 13991 N Cleveland Ave
  • Ocala: 1607 S Pine Ave
  • Palm Beach Gardens: 3168 Northlake Blvd

Hawaii

  • Honolulu: 1441 Kapiolani Blvd. Suite 510
  • Honolulu: 1401 S Beretania St. Suite 110

Illinois

  • Chicago: 745 W 103rd St
  • Chicago: 175 W Jackson Blvd
  • Chicago: 1620 W 59th St
  • Chicago: 1550 N Kostner Ave
  • Lincolnwood: 7179 N Lincoln Ave
  • North Aurora: 1015 W. Orchard Rd.
  • South Barrington: 100 W Higgins Rd

New York

  • Greenwood Lake: 123 Windermere Ave
  • Staten Island: 812 Forest Ave

Michigan

  • Detroit: 10301 Woodward Ave.

Minnesota

  • Brooklyn Park: 7996 Brooklyn Blvd.
  • Minneapolis: 1110 Hennepin Ave.
  • Minneapolis: 2426 W. Broadway Ave.

Missouri

  • Springfield: 1735 South Glenstone Ave.

New Mexico

  • Albuquerque: 7105 Central Ave. NE

Texas

  • Brownsville: 1454 Central Blvd.
  • Copperas Cove: 1407 E W Hwy 190
  • El Paso: 2525 N. Mesa St.
  • Katy: 3080 S Fry Rd
  • Newport: 4730 US Route 5
  • Rio Grande City: 5322 E. US Highway 83
  • San Antonio: 7031 Marbach Rd.
  • Spring: 6945 Cypresswood Dr

What should you do if the CVS nearest you is closing? First, use up all of your CVS coupons. This includes paper coupons and digital coupons. Next, find a new pharmacy to transfer your family’s prescriptions to. 

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Amazon Now Accepts SNAP Benefits in New York

Posted on Wednesday, May 15th, 2019 at 7:00 am
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Amazon now allows customers in New York to use their SNAP benefits to purchase groceries online for home delivery. It is being done as part of a pilot program. More states will be added later.

Supplemental Nutrition Assistance Program (SNAP) beneficiaries in New York state are now able to use their nutrition assistance benefits to order groceries online from Amazon and other retailers and have them delivered directly to their door thanks to a new pilot program launched with the United States Department of Agriculture (USDA).

This is the first time that millions of SNAP recipients in New York can redeem their grocery benefits online.

Amazon is committed to increasing access for customers by offering low prices on a wide selection of items. With online acceptance of SNAP, Amazon is also offering New York SNAP customers the ability to shop the grocery and household selection on Amazon Fresh and Prime Pantry without requiring a membership fee.

This new initiative helps Amazon increase access for millions of low-income New Yorkers by adding a SNAP redemption option, with broad selection, low prices, and the convenience of home delivery. As Amazon expands the program will dramatically increase access to food for more remote customers and help to mitigate the public health crisis of food deserts.

While customers only in select areas of New York can currently use their SNAP benefits to purchase food on Amazon, the company is working with the USDA to expand service area coverage within New York state in the near future.

Additionally, the ultimate goal of this pilot is to pave the way for a national rollout once the USDA identifies the best path to large-scale implementation.

If you live in New York, and receive SNAP benefits, you can visit the Amazon website about SNAP EBT to get started.

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The Best Things to Buy in May

Posted on Wednesday, May 8th, 2019 at 7:00 am
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May is an in-between month when it comes to shopping. It is too early for graduation parties, summer vacations, and most weddings. It is too late for sales on gardening tools and gym memberships. Here are some of the best things to buy in May.

Mattresses

It is recommended that you replace your mattress after 5 to 10 years. Consider replacing it every 5 to 7 years if you don’t sleep well.

May is an excellent month to throw out your old mattress and get a new one. Manufacturers are clearing out their existing stock of mattresses to make room for the new models. You can get a great deal if you buy a mattress in May.

Linens and Bedding

Sales on sheets, pillowcases, and duvets start in May. It is a great time to replace the worn out ones you are currently using with brand new ones. Look for coupons from stores that have a bedding section. You may find those coupons in your mailbox, in your newspaper, or on the store’s website.

Memorial Day Sales

Memorial Day is often a three-day weekend. This inspires stores to have sales on things that they need to clear out. Memorial Day sales often include discounts on vacuums, TVs, and mattresses.

You can also find Memorial Day sales on raincoats and boots, umbrellas, and spring jackets. These items are often on clearance in May because the weather changes and there may be less need for rain gear.

Seasonal Produce

The U.S Department of Agriculture has a list of produce that is in-season in Spring. Use some of these in your meal planning in May!

The list includes: apples, apricots, asparagus, avocados, bananas, broccoli, cabbage, carrots, celery, collard greens, garlic, kale, kiwifruit, lemons, lettuce, limes, mushrooms, onions, peas, pineapples, radishes, rhubarb, spinach, strawberries, Swiss chard, and turnips.

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Have You Tried These Ways to Save on Groceries?

Posted on Thursday, April 25th, 2019 at 7:00 am
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We all need to go grocery shopping eventually. You might already be using coupons, and store loyalty apps, to lower the cost of your grocery bill. What else can you do? Here are some ways to save on groceries that you haven’t tried yet.

Shop the Loss Leader

A loss leader is an item that is temporarily being offered at a discount. These deals are designed to entice customers to come into the store. Once inside, the grocery store hopes you will buy plenty of other – higher priced – items.

You can spot the loss leader by carefully scanning the store’s sales paper. Somewhere in there will be an item that is heavily discounted. It will be surrounded by discounts on other items (that are not nearly as good as the loss leader deal). Most people won’t take the time to figure this out!

Buy the loss leader. Don’t buy the items that might be on sale – but not by very much.

Check Your Receipt 

Don’t pay more on groceries than you have to! Make sure to check your receipt for price mistakes. Look to see if the coupons you used gave you the right discount. Pay attention to quantity of items. If you only bought one can of beans, and the receipt charged you for two – that’s a problem!

If you find that you were overcharged, take the receipt to the customer service desk. The store will refund you for the amount you were incorrectly charged for.

Check Your Bags

Sometimes, the items you purchased don’t end up in your bags. Before you leave the store, compare your receipt to the things that are in your bags. If something is missing, go back to where you checked out and ask for it. Bring your receipt with you for proof.

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Amazon Go Stores Will Start Accepting Cash

Posted on Tuesday, April 23rd, 2019 at 7:00 am
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Amazon Go was launched as a store with no checkout required. Those who wished to shop there needed to put the Amazon Go app on their smartphone. Pick up the items you want to buy, and pay for it with your phone. 

What if you don’t have a smartphone, or don’t want to put any more apps on your phone? You wouldn’t be able to shop for groceries and quick-to-eat items at Amazon Go stores. This limitation is about to change.

CNBC reported that Amazon Go stores will start accepting cash. In addition, there is a pilot program that will allow Amazon Go stores to accept government subsidized SNAP benefits. Another program, called Amazon Cash, will let users add cash to their digital accounts by bringing money to a local store like 7-Eleven or CVS.

Why did Amazon change their payment policy at Amazon Go stores? The reason appears to have something to do with cities and states that felt the limitation on what kind of payment the stores would accept was discriminatory. Cashless stores exclude people from the lowest income brackets.

Philadelphia and New Jersey have banned cashless stores. Cities like New York, San Francisco, and Chicago are considering similar laws. Massachusetts had a law in place for decades that requires stores to accept cash.

Not all of the details about this change have been revealed. It appears that Amazon Go stores will be accepting a variety of payment options soon. That’s great for people who do not have a bank account, and those who need to use the SNAP program in order to afford groceries.

There are a total of 10 Amazon Go stores that have opened. Amazon is considering opening up to 3,000 cashierless Amazon Go stores by 2021. There could be an Amazon Go store opening up near where you live!

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How to Read Books for Free – Without Breaking Laws

Posted on Thursday, April 18th, 2019 at 7:00 am
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Are you an avid reader? Do you go through books faster than your budget can keep up with? Now is a good time to find ways that you can legally read books for free.

Your Local Library

Public libraries will allow people who live locally to get a library card for free. You might have to show the librarian some identification (such as a driver’s license). Once you obtain a library card, you can check-out as many books as you like. Make sure to return all the books on time if you want to avoid late fees.

Some public libraries have apps that are available for Android or iOS devices. If your public library has an app like that, you will be able to check-out ebooks and audiobooks and read them from your smartphone or tablet.

Project Gutenberg

Project Gutenberg offers 58,000 free eBooks. Chose from epub and Kindle eBooks, downloading a free eBook, or reading it online. The focus of Project Gutenberg is on older books for which the U.S. copyright has expired. 

You do not need to register in order to use Project Gutenberg. There is no fee. No special apps are required for you to access Project Gutenberg. It is an excellent resource for people who like to read “classics” and books that were published long ago.

Your School’s Library

New textbooks can be very expensive. Older versions of the same textbook might not have the same information as the new one. One way to read the textbook you need for your classes for free is to make use your your school’s library.

School libraries typically have at least a few copies of textbooks that are required for classes. They may be held in reserves, so don’t hesitate to ask the librarian if you can borrow a copy of the textbook you need. If not, ask if you can check out an ebook version of the textbook.

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McDonald’s is Changing its Late Nite Menu

Posted on Tuesday, April 16th, 2019 at 7:00 am
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Did you know that McDonald’s has a Late Nite menu? Maybe you have made purchases during the hours the Late Nite menu is available. Be aware that McDonald’s is changing it’s Late Nite menu. The change will take place on April 30, 2019.

McDonald’s has a Late Nite menu that is available from midnight to 5 a.m. It’s great for people who work overnights and need to grab something quick to eat after work. The Late Menu is also convenient for people who must start work in the wee hours of the morning.

Starting April 30, 2019, McDonald’s will be “simplifying” what’s served after midnight. The company claims the reason for the changes is so customers can get the most popular favorites as fast as possible.

Here is what McDonald’s New Late Night menu will include:

  • Big Mac
  • 100% fresh beef Quarter Pounder burgers
  • Chicken McNuggets
  • All Day Breakfast
  • World Famous Fries and all other sides
  • Sweets & Treats
  • Happy Meal
  • McCafe and beverages

Don’t see your favorite Late Night menu option in that list? McDonald’s says not to worry – the missing item will still be available to be ordered before midnight. Obviously, that doesn’t help much if it was the only menu item you like, or the one you regularly get from the Late Nite menu.

According to Business Insider, McDonald’s will instruct its Late Night service crew to be prepared to respond to customer questions about why an item is no longer available during late night. Customers who ask for a Filet-O-Fish, which is not on the new Late Nite menu, will be prompted to order a Big Mac or Quarter Pounder instead.

Business Insider says that the change to the Late Nite menu is a way for McDonald’s to cut costs through simplification, decrease food waste, and speed up service.  It is not yet known if the new Late Nite menu will have prices that are less expensive than before.

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Tax Day Freebies and Deals – 2019

Posted on Thursday, April 11th, 2019 at 7:00 am
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April 15th is Tax Day. Nobody enjoys filling out forms and paying taxes. There is something to look forward to, however. Many restaurants and businesses will be offering Tax Day freebies and deals. USA Today has put together a list of several offers.

Boston Market: Offers a $10.40 Tax Day meal special. It includes a half chicken individual meal with two sides, cornbread, and a regular fountain beverage drink. This offer is “while supplies last”. No coupon is needed. The offer runs from April 10 through April 15 at restaurants and online.

Breugger’s Bagels: Get 13 bagels and two tubs of cream cheeses for $10.40, a $3.50 price reduction. This offer runs from April 10 through April 15 at participating bakeries.

BurgerFi: Get a BurgerFi Cheeseburger on Tax Day for $4.15 through the BurgerFi app.

California Tortilla: With any Tax Day purchase, get free chips and queso when you say “1040”.

Corner Bakery Cafe: Get two entrees for $10.40. This offer runs from April 15-17, in cafe only.

Great American Cookies: Get one free Original Chocolate Chip Cookie at participating locations for stopping by.

Hardee’s: Get a free sausage biscuit from 7 am to 10 am on Tax Day. To get this freebie, you need to say “Made from scratch”. One per customer, while supplies last.

Noodles & Company: Members of NoodlesREWARDS will get $4 off online and mobile orders of $10 or more for Tax Day. The offer is valid from April 10 through April 15. To get the offer, you need to be signed up for the program by April 9.

Schlotzkey’s: Get a free small original sandwich with purchase of chips and a medium drink on Tax Day. This deal is available at all Schlotzkey’s locations and no coupon is required.

White Castle: On Tax Day, White Castle will offer 15 percent off any order in-Castle with a coupon that will be posted on social media pages and sent to email subscribers.

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Amazon and Whole Foods Announced More Price Cuts

Posted on Thursday, April 4th, 2019 at 7:00 am
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Amazon and Whole Foods announced a third round of price cuts that began on Wednesday, April 3, 2019. Whole Foods will be offering new lower prices on fresh produce for all customers and expanded Prime benefits with more exclusive weekly deals on popular products across departments.

Starting Wednesday, customers will find new lower prices on hundreds of items throughout the store with an emphasis on high quality, peak-of-season produce, including greens, tomatoes, tropical fruits and more.

Examples of these new lower prices include large yellow mangoes ($1/each), mixed-medley cherry tomatoes ($3.49/12 oz.), and organic bunched rainbow chard ($1.99/each). Prices will be reduced by an average of 20 percent on select items throughout the store.

In addition to new lower prices for all shoppers, Amazon Prime members will now save more than ever before at Whole Foods Market with double the number of exclusive weekly Prime Member deals and deeper discounts. Over the next few months, customers can expect more than 300 Prime member deals on some of the season’s most popular items.

Examples of exclusive Prime member deals in April that will rotate on a weekly basis include:

  • Organic asparagus $2.99/lb (save $2.00)
  • Organic strawberries $2.99/lb (save $2.00)
  • Sumo Citrus: $2.49/lb (save $1.50)
  • Air-chilled, no antibiotics-ever, whole chicken: $1.79/lb (save at least 40%)
  • Spiral sliced ham: $3.99.lb (save at least 33%)
  • Animal welfare-rated bone in pork loin chops: $4.99/lb (save at least $2.00)
  • Fresh, sustainable wild-caught halibut filet: $16.99/lb (save at least 35%)
  • 35% off all Justins brand products
  • $20 off Vega One Organic Shakes (24.3-26.9 ounce sizes only)
  • 40% off all Kite Hill plant-based proteins
  • 35% off all Epic brand products
  • Prepared sandwiches and wraps: 20% off
  • Prime members can also receive an additional 10 percent off hundreds of sale items throughout the store.

These price reductions will build on the hundreds of lower prices that have been introduced to customers since the Amazon and Whole Foods Market merger, ranging from Whole Trade organic bananas and Chobani yogurt to 365 Everyday Value Cage-Free Large Eggs.

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Ways to Pay Off Student Loan Debt

Posted on Tuesday, April 2nd, 2019 at 7:00 pm
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Student loan debt can be a big burden. There are many ideas about how to pay off student loans. Not every idea will work for everyone. It all depends on your individual financial situation. Here are some options to consider. 

Automate Your Payments

State Farm suggests that you automate your student loan payments. Start making payments right away, so you can whittle down the student loan debt as quickly as possible. 

The biggest benefit from doing this is that you cannot accidentally forget to make an automated payment. The risk is that your current financial situation might not enable you to have enough money in your bank account for that automated payment.

Use “Found” Money

Nerd Wallet recommends you use “found money” on your student loan debt. When you get a raise, or a bonus, put that “found” money into your student loan debt. The advantage of doing this is that you can chip away your student loan debt without taking the money out of your budget.

The disadvantage of this idea is that you probably won’t get a raise or bonus as often as you would need to in order to rely on it to pay your student loan debt. In that case, Nerd Wallet recommends you put away any $5 or $10 bills you receive toward your student loan debt.

Consolidate Your Student Loans

Forbes points out that it may be possible to consolidate your student loans. Some people are able to consolidate their existing federal student loans into a single Direct Consolidation Loan.

The benefit of doing this is that it takes multiple monthly student loan payments and turns it into a single monthly payment. The down side is that one monthly payment might be higher than the average amount of your multiple student loan payments.

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