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#1
News Goods and Services / About Leasing or Buying a Car
Last post by Mike Taylor - Oct 02, 2024, 12:26 PM
" Leasing vs. Buying a New Car. "
Leasing generally keeps monthly payments lower, but you don't build equity. Is leasing or buying a car better for you?

New-car prices remain high, which complicates the choice between buying and leasing a car.

On the one hand, buying involves higher monthly costs, but you own an asset—your vehicle—in the end. On the other hand, a lease has lower monthly payments and lets you drive a vehicle that may be more expensive than you could afford to buy, although you get into a cycle in which you never stop paying for a vehicle.

Buying a vehicle with a conventional car loan is pretty straightforward. You borrow money from a bank, a credit union, or another lending institution and make monthly payments for some number of years. A chunk of each payment is put toward paying interest on the loan, and the rest is used to pay down the principal. The higher the interest rate, the higher the payment. As you repay the principal, you build equity until—by the end of the loan—the car is all yours. You can keep the car as long as you like and treat it as nicely—or poorly—as you want to. The only penalties for modification or abuse could be repair bills and a lower resale value down the road.

More info at: https://www.consumerreports.org/cars/buying-a-car/leasing-vs-buying-a-new-car-a9135602164/
#2
" You're Probably Paying Too Much for Home Internet: Uncover Hidden Fees and Outsmart Your Provider. "

Don't be tempted by cheap promos and limited-time deals: internet bills can easily skyrocket because of hidden fees and pricing terms.

The internet is an integral part of our lives. And not just because we need it for work, school, bills and communication. We stream our favorite shows, watch TikToks and share memes using the internet. But internet service providers are often the bane of our existence.

In fact, ISPs are ranked even lower than airlines and the US postal service, according to the American Customer Satisfaction Index.

The biggest reason everyone is disillusioned by internet service providers? Hidden fees and confusing service agreements. We're often lured by dazzling promotional rates -- only $20 a month! -- and therefore assume our monthly bill will stay low. But inevitably, that $20-a-month rate becomes more like a $45 or even $55 monthly charge after fees.

READ more online at:
https://www.cnet.com/home/internet/how-to-spot-hidden-fees-and-save-money/
#3
News Goods and Services / Never Eat After They Expire
Last post by Mike Taylor - Sep 13, 2024, 02:36 PM
" 13 Foods You Should Never Eat After They Expire, According To Food Safety Experts. "
Here's what experts have to say.

Deciphering the "use by" dates on food products is a lot less straightforward than just checking the calendar. Your Greek yogurt is a couple days past its expiration date, but still passes the sniff test. Should you really toss the entire carton? In this economy? After all, groceries are 10 percent more expensive than they were last year and about 30 to 40 percent of the U.S. food chain goes to waste.

"Generally speaking, expiration dates in the U.S. don't mean a lot," says Laurie Beyranevand, the director of the Center for Agriculture and Food Systems at Vermont Law School. "What's even more confusing is that they're written in a few different ways on a product label."

You might see some labels that use a "best before" date while others go with a "sell by" date. Typically, the labels signal the date that manufacturers think the quality of the food may no longer be at its peak, but they don't usually address a product's safety, Beyranevand says. The expiration dates on food items are often conservative, too, says food safety attorney Jory Lange. As a result, we end up throwing away a lot of safe food out of fear that it's rotten.

READ more online at:
https://www.delish.com/food-news/a43647543/foods-you-shouldnt-eat-after-expiration-date/
#4

" Do Laundry Detergent Sheets Work as Well as Liquid? "

Consumer Reports tested liquidless detergent strips from Earth Breeze and Tru Earth to see whether the clean matches the green

Every time we do laundry with liquid detergents, we dump chemicals, microfibers, and gallons of water down the drain. This has detrimental effects on our environment, polluting our waterways and landfills.

Consumers looking for alternatives that will save water, energy, waste, and stress on Mother Earth may have come across laundry sheets. And while their environmental impact is noteworthy, their cleaning efficacy is less so, our testing found.

READ more at:
https://www.consumerreports.org/appliances/laundry-detergents/laundry-detergent-sheets-review-a8916087070/
#5
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#6

" The inconvenience store: Why are shops locking up even more merchandise? "
You may have noticed a surge in items stowed behind security glass.

Pop into a drugstore to grab some razors or a new tube of mascara and you are likely to find those items trapped behind security glass. There you stand, pressing the call-for-help button and waiting for a cashier to come unlock the case. In an attempt to stop retail theft, big chain stores are locking up more and more of their wares. But customers are not happy about the extended wait times and decreasing ease of scooping up even the cheapest items in a hurry.
How bad is the shoplifting problem?

It used to be that only pricier products like cold medication and electronics got locked up, but now everything from condoms to lotion is similarly stowed. Some research suggests the shoplifting problem these lockups are combatting is overblown. A nonpartisan research organization called The Council on Criminal Justice tracked shoplifting trends in 24 cities from 2019 to the middle of 2023, and found that rates decreased in more than two-thirds of the cities over that time, said The Los Angeles Times. Exceptions were New York and Los Angeles, which both saw increases in shoplifting, defined as "stealing goods valued at less than $950."

CONTINUES at:
https://theweek.com/business/stores-lock-up-merchandise-shoplifting-theft
#7
"Best Deals on Pet Products."
Take advantage of sales on pet hair removal tools, GPS trackers, and more.

Your pets are members of your family, so it's no surprise that you want only the best for them. Whether you're looking to upgrade a pet feeder or you need a better vacuum to keep the fur in check, the last thing you want is to spend money on something that doesn't work. Finding a high-quality product is key. And that's where we come in, with items like lab-tested GPS trackers and pet hair removal tools evaluated by editors in their very own homes.

We also keep tabs on the prices of everything we test to let you know when you can save on them. Right now there are some excellent deals on pet products.

Info from:
https://www.consumerreports.org/money/discounts-rebates/best-deals-on-pet-products-a5737541283/
#8
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#9
"Downsize Your Life, Upsize Your Savings: The Financial Benefits of Simplifying."

Downsizing your life can seem radical in a world obsessed with consumption and keeping up with the Joneses. But what if I told you it could help you achieve financial success?

It's true. A minimalist lifestyle can enable you to save significant amounts of money by shedding unnecessary possessions. You'll also be on your way to a more fulfilling and secure future.

The Financial Burden of Clutter

Most of us have more possessions than we need. This includes clothes that never get worn, gadgets we never use, and furniture that takes up valuable space. As the late and great George Carlin once said, "That's all your house is: a place to keep your stuff." He even joked, "Sometimes you gotta move, gotta get a bigger house. Why? No room for your stuff anymore."

Besides weighing down our minds, clutter drains our wallets in severa

CONTINUES at:
https://www.msn.com/en-us/money/personalfinance/downsize-your-life-upsize-your-savings-the-financial-benefits-of-simplifying/ar-AA1okKCN?ocid=BingNewsBrowse
#10
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