from a post on Facebook
Got it! Went to Walmart it worked but I still had to pay 30 cents. Still an awesome deal!!! Thanks
also check IB for possible offers.
from a post on Facebook
Got it! Went to Walmart it worked but I still had to pay 30 cents. Still an awesome deal!!! Thanks
also check IB for possible offers.
@dangeRuss appears to be an issue uploading screenshots. please advise if site issue or on my end.
Chk your J4U accounts, upload will be in post when issue is fixed.
@mrvietnam said in Rite Aid 5/8-14 Spend $50 earn $15BC (coupon in flyer):
Are you sure it is spend $50, get $15 BC? Most of the time those type of earning $15 BC coupons, require a $60 spend. Any deals that would make this coupon usable?
I’ll look again, but pretty sure it was $15/50. Deals? TBD, maybe Ravi will have some. The obvious ones are all pretty well drained by RA regulars for the month.
another $15BC on $50 offer coming in the newest cirular or via the app/social media
Just an added aspect to this for your info:
The order MUST have a digital coupon applied for this to work.
If you buy 2 candy bars for $1.98 total and up it to $2 with donation, you’ll still only be able to redeem $1. In the toothpaste example I give in OP, it does work in those kinds of transactions.
@zerenia said in US Treasury Series I Savings Bonds Inflation Rate Earnings (May - October '22) 9.62% Interest:
@mistercheap said in US Treasury Series I Savings Bonds Inflation Rate Earnings (May - October '22) 9.62% Interest:
@c3 said in US Treasury Series I Savings Bonds Inflation Rate Earnings (May - October '22) 9.62% Interest:
@yoregano said in US Treasury Series I Savings Bonds Inflation Rate Earnings (May - October '22) 9.62% Interest:
Glad I waited since the interest rate has increased.
I don’t think “glad” is the correct description. If you purchased in April, you would have 6 months of 7.x% and 6 months of 9.x%. Now, you don’t know what happens after 6 months of 9.x%.
Right, that’s correct. Say you bought the 7.x bond in late 2021, you’d earn six months from your month date (say 1/1/22) of 7+%, then on 7/1/22 it goes up to 9.x% To be honest I don’t see inflation coming down much anytime in the next year. Oil prices will be even higher this summer than recently with demand and likely Russian boycott from Europe, supply chain issues from China and elsewhere. Labor costs going up as people demand more money for wages to keep up w/inflation. It’s a bad spiral when it gets like this.
Consider that a money market acct is paying .5% right now. Anything above 4% in these bonds is pretty darn good not to mention the interest hit is deferred until you actually redeem them.
Even if you cash out at the end of the first 12 months and forego three months of interest, you’re still way ahead of a savings/mma or CD. I bought in Novenber 2021, and then again in April 2022, So did my wife. Took the money out of a savings account paying around 0.5%. Would be great if we could buy more than $10K per person per year. Not getting a tax refund, so can’t use that to buy a $5K paper iBond on top of the $10K bonds.
– Z –
True, but why on earth cash out (unless you really need the $$)?? So you cash out lose 1/4 of your interest if you’ve held the bond for 12 months, to do what with it? Put it back earning .5 % again?
My feeling is, not touching it unless the inflation rate goes so low the bonds are paying next to nothing. if I’m earning 2-3% more on this than a savings acc’t or even a CD, I’m not touching it unless it’s a financial emergency. These would have to go below 3% given present rates for me to even consider an early redemption.
Learn a new trick today, thanks to a nice cashier.
There’s a deal this week, buy 2 Colgate TP’s at $3.99, use the $4/2 digital in Wags, pay $3.98 ac (no tax in my area), get back $4.
Now the problem with ending amounts like .98 is, if you’re using Wags Cash, you could typically only use $3 and have to pay .98 oop.
But on the swipe screen there’s a ‘round up’ option to donate the differnce to some charity. In this case 2c. The cashier told me to hit yes, total became $4 and used $4 in WC, got back $4 in WC. Much better than having to keep spending 98c on deals like this.
@c3 said in US Treasury Series I Savings Bonds Inflation Rate Earnings (May - October '22) 9.62% Interest:
@yoregano said in US Treasury Series I Savings Bonds Inflation Rate Earnings (May - October '22) 9.62% Interest:
Glad I waited since the interest rate has increased.
I don’t think “glad” is the correct description. If you purchased in April, you would have 6 months of 7.x% and 6 months of 9.x%. Now, you don’t know what happens after 6 months of 9.x%.
Right, that’s correct. Say you bought the 7.x bond in late 2021, you’d earn six months from your month date (say 1/1/22) of 7+%, then on 7/1/22 it goes up to 9.x% To be honest I don’t see inflation coming down much anytime in the next year. Oil prices will be even higher this summer than recently with demand and likely Russian boycott from Europe, supply chain issues from China and elsewhere. Labor costs going up as people demand more money for wages to keep up w/inflation. It’s a bad spiral when it gets like this.
Consider that a money market acct is paying .5% right now. Anything above 4% in these bonds is pretty darn good not to mention the interest hit is deferred until you actually redeem them.
@ctgolfer please remember PRINTABLE coupons for instant use go in Drug/Grocery not free stuff. if they mail it to you, it goes in Free.
there are many ins and outs to these bonds. they are great investments if you understand ALL the rules and penalities. (ie, you have to hold them for at least 12 months and if you cash out before 5 years, there’s a 3 month interest penalty)
It is also best to buy the bond at the end of the month (around the 29th to allow 2 days to go through if 31 days) since interest is paid at the end of the month. no benefit to buying on 5/3 vs 5/29 for instance. but allow enough buffer so it’s credited by 5/31.
there is a HUGE thread on SD about these I suggest reading before you purchase so you understand. Some people get shot down with online set up and you have to submit a hard copy form that’s rather a hassle, so be prepared for that ‘issue’.