All posts by: Sage McHugh

Which credit report services are truly free?


If you've resolved to get your finances in order this year, you may want to obtain your credit report and determine your credit score. Web sites offering free credit reports are heavily advertised these days, but you're probably wondering how trustworthy they are. Here is some advice on how you can safely get your credit report and credit score. We will also help you steer clear of "free" offers that could actually cost you money in the long run. Read more

Getting prepared for an earthquake


Since earthquakes were once considered a West Coast phenomenon, the quake that hit the East Coast last year shook everyone with surprise. It goes to show that earthquakes cannot be predicted and therefore you should always be prepared.

According to ready.gov, "there are actually 45 states and territories throughout the United States that are at moderate to high risk for earthquakes including the New Madrid fault line in Central U.S." With that in mind, we put together some useful links along with a list of helpful tips so you can be fully prepared if disaster strikes. Read more

Special delivery: Tips for shipping your holiday gifts


If you need to ship gifts across the country this holiday season, we're here to help you find the best options. We checked out the major shipping companies to compare their shipping rates, delivery options and hours of operation on holidays.

Delivery time and destination may determine which carrier you choose. To give you a general rule of thumb, we plugged in some sample data to see which carrier is offering the best rate for a 10 pound package being sent from New York to California in mid-December. Read more

Big-box stores offer price match policies to compete with online retailers


In an attempt to thwart online competition, several brick-and-mortar stores are offering price match guarantees to boost holiday sales and encourage shoppers to make in-store purchases.

According to a national survey conducted by Harris Interactive on behalf of CouponCabin.com, "more than four-in-ten (43 percent) of smartphone or tablet owners have 'showroomed,' i.e. used their device to research and examine merchandise in a brick and mortar store without purchasing it there, then gone online to search for a lower price." Of those participants who showroomed a particular product, 97 percent say they subsequently bought the same item online for a lower price at one time or another. Although some stores already offer price match guarantees for local competitors' brick-and-mortar stores, they are now stepping up their game to compete with online retailers.

Read more

The pros and cons of online layaway services


Recently, we told you which big-box stores offer the best layaway plans. If you're looking for an alternative to in-store layaway, there are several websites that allow you to make layaway purchases online. Online layaway services can help you get your holiday shopping in gear, even if you're short on cash or maxxed out on credit. We did some research to see how these sites work and we combed through their fine print to help you avoid elusive layaway pitfalls. Read more

The new goody bag: A Halloween safety kit for trick or treaters


Halloween is lurking right around the corner. And when it comes to ensuring a child's safety while trick or treating, some parents might have a case of the heebie jeebies. There's no better way to avoid scary scenarios than to prepare yourself ahead of time. We suggest putting together a Halloween safety kit to make the evening easier, safer and more fun for all. Here are some items you should have readily available just in case things get spooky:

Read more

How to find the best deal on major layaway plans


If you're considering putting your holiday gifts on layaway this year, we can help you find the best deals. In order to boost business and reward shoppers, some major retailers have reduced or even waived layaway initiation fees. Here's a rundown of the layaway policies in effect at big-box stores nationwide. Read more

How to spot fake coupons and gift cards


Countless consumers have been duped by fake gift cards and coupons; finding themselves victims of credit card fraud and identity theft. In one of the biggest internet hoaxes to date, some 37,000 unsuspecting Facebook users tried to score $1,000 IKEA gift cards through a bogus fan page. In order to claim the gift card, they were asked to provide personal information such as their name, address, date of birth and phone number. Some users were redirected to a page that asked them to supply credit card info as well.

And more recently, police raided a home in Arizona and thwarted a multi-million counterfeit coupon operation. They found an estimated $25 to $30 million dollars in fake coupons, many of which were sold online.

Frito-Lay took a hit when a phony coupon offering a free $5 bag of Doritos began circulating. The fake was accepted at some grocery stores before Frito-Lay caught on.

Before you provide any personal information online or grant access to your hard-earned cash, read these tips on how to spot fake coupons and gift cards: Read more

Will the ElliptiGo get your wheels spinning?


It's a bike? It's an elliptical? It's both, actually. The ElliptiGo is an elliptical machine masquerading as a standup bike combining the motions of running and cycling in an outdoor setting. Although the ElliptiGo hit the market in 2010, they are still a rare sight on the streets these days. In fact, I hadn't spotted one in New York until several weeks ago. This should come as no surprise, considering the ElliptiGo's steep price tag: There are several models on the market right now, ranging in price from $1,800 to $3,500.  Read more

If you choose Bill Me Later, will you overpay later?


A new payment option has been gaining some eyeballs at online checkouts. It's called Bill Me Later and this deferred payment option may not be all it is cracked up to be.

While the service might just be gaining momentum, the company has been around since 2000 and acquired by EBay in 2008 as a PayPal company.  Read more

Back to top