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15 Ways to Save at Bed Bath & Beyond

If you’ve ever walked into Bed Bath & Beyond with five items on your to-get list and walked out with 20 purchases, you’re not alone. Luckily there are plenty of ways to save at this home goods mega-store. Here are 15.

1. Subscribe to Its Emails

Sign up to receive emails from BB&B and you’ll get 20% off one in-store purchase right away, plus plenty more exclusive offers and promotions directly to your inbox on a regular basis.

2. Provide the Store With Your Address

Emails usually come every week or two from BB&B with coupon offers, but if you provide your address you’ll receive offers through snail mail as well. While some of these coupons come with expiration dates printed on them, the store usually accepts coupons past those dates.

3. Stack Multiple Coupons

While most coupons say they’re good for only one purchase (although every now and then you might be lucky enough to get a 20% off your entire purchase option), you can stack your coupons by making multiple purchases, especially if they’re done online (just make sure you qualify for free shipping on your orders, otherwise it doesn’t make much sense to do this).

4. Shop Competitors for Better Offers

Bed Bath & Beyond will match any direct competitor’s price for identical items, as long as they meet these conditions.

5. Use Price-Matching & a Coupon

While it’s not always available, if the competitor with the better price would allow you to apply a coupon as well, Bed Bath & Beyond will allow you to do the same. Otherwise, they apply the best discount — either the coupon or the price-match option.

6. Get a Manufacturer’s Coupon

BB&B also accepts manufacturer’s coupons at their stores, plus you can

7. Cash in on a Manufacturer’s Coupon & a Price Match

Double your savings by doing some research for better prices at a competing store, and then find a manufacturer’s coupon for the item and BB&B will let you use both. (Remember, this must be a manufacturer’s coupon, not a competitor’s coupon.)

8. Hold on to Receipts to Cash in on Coupons Later

Save those receipts for your recently purchased items at BB&B. If you receive a coupon a couple days later, the store will still honor the discount.

9. Ask for Price Adjustments on Sale Items

Even if you don’t get a coupon in the mail, if an item you just purchased goes on sale, bring the item and your receipt in for a price adjustment.

10. Get a Bed Bath & Beyond Credit Card

The brand’s MasterCard gives frequent shoppers 5% back for every $1 spent at its stores, 2% back per $1spent on gas and groceries and 1% back anywhere else. Just be sure to pay your balances off in full; otherwise, you’ll be paying a variable purchase annual percentage rate (APR) of 24.49%, 18.49%, or 14.49%, depending on your creditworthiness. (You can get a sense of where you would fall by viewing two of your credit scores, updated every 14 days, for free on Credit.com.)

Frequent another retailer? Check out our picks for the best shopping credit cards.

11. Get Cash Back

Use sites like Shop at Home to receive cash back on your purchases at Bed Bath & Beyond. (The site has coupon offers, as well.)

12. Check Out the Clearance Section

It’s obvious but worth repeating — don’t forget to shop the clearance section, especially if you’re looking for a particular type of item rather than an actual item (i.e. coffee makers rather than Hamilton Beach coffee makers). The BB&B clearance section has hundreds of items on sale, sometimes at more than half off. Experts say looking early in the week is best, too, because that tends to be when new inventory is available.

13. Wait for Additional Deals to Come via Email

Besides their awesome 20% coupons, BB&B is also known for sending exclusive deals to their email users that might help you save even more. For example, “Any 2 for $10 [regularly $9.99 each] on Taste & Co. Olive Oils and Balsamic Vinegars” is sitting in my inbox right now. This is a great way to stock up on gifts for future use.

14. Score Gift Cards Directly From the Store

Besides coupons, clearance items and price matching, BB&B has also been known to provide shopping incentives to their customers by offering gifts cards with your purchases. These gift cards usually don’t expire, so they’re a great way to save. If you haven’t seen a gift card from BB&B lately, you could always do the following instead …

15. Buy Cheap Gift Cards Online

Use sites like Cardpool.com and Gift Card Granny to purchase gift cards for BB&B at less than face value. Keep in mind that most are eGift cards for online use only, and they sometimes take a day or two to arrive.

Want more brand hacks? Check out our roundup of 7 ways to save at Home Depot.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly. Related Articles

This article originally appeared on Credit.com.

Family Christian closing all stores nationwide

Christian faith-based book and gift store Family Christian is closing all of its 240 stores nationwide due to "declining sales," according to a Thursday news release from the company.

The closure affects employees in 36 states, including Florida, Georgia, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas and Washington.

>> Read more trending stories

Company President Chuck Bengochea said in the release that the company had two difficult years post-bankruptcy.

"Despite improvements in product assortment and the store experience, sales continued to decline.  In addition, we were not able to get the pricing and terms we needed from our vendors to successfully compete in the market. We have prayerfully looked at all possible options, trusting God’s plan for our organization, and the difficult decision to liquidate is our only recourse," Bengochea said.

The nonprofit chain employed more than 3,000 people and sold Christian merchandise, memorabilia and literature.

"We are grateful for all of the millions of lives that have been impacted thanks to our guests' and employees' heart for bringing the light of Jesus to the darkest corners of our world," Senior Vice President of Human Resources and Organizational Development Steve Biondo said in the release. "Through their efforts there is no question we have transformed lives now and for eternity."

On its website, Family Christian said all merchandise is now being sold for up to 30 percent off.

J.C. Penney to close between 130-140 stores

J.C. Penney will be closing 130-140 stores in the coming months, the company reported Friday.

"We believe closing stores will also allow us to adjust our business to effectively compete against the growing threat of online retailers," Chief Executive Officer Marvin Ellison said in a statement.

The company also announce it would launch a voluntary early retirement program for about 6,000 eligible employees.

In addition to the retail stores, the company says it will also close two distribution facilities.

J.C. Penney said it expected annual savings of about $200 million from the cost-cutting measures. A list of the stores  to be closed will be released in March, the statement said, after the company notifies its employees. All the stores should be closed in the second quarter of 2017.

12 Jobs Working With Animals (That Actually Pay Pretty Well)

“When I grow up I want to be a veterinarian,” some children say when you ask about their dream job. Of course, considering the level of schooling this career requires, coupled with the student loan costs and the level of commitment, that changes for some people once they become adults. But the love for animals and the desire to work with animals might remain.

One of the more difficult tasks job seekers face is finding a career that pays enough money, as well as one they will enjoy. The old saying, “Do what you love, and the money will come,” is true to a point. But money also matters, and like it or not, it has to be a priority. The key is finding a balance. That is, doing what you love for money, as opposed to doing what you love in hopes that you will earn money.

If animals are your passion — the field that makes you want to get up and do something — then you can certainly achieve this balance. The typical job working with animals brings in about $55,775, according to 2015 U.S. Census data. Aside from a veterinarian career, there are a variety of jobs working with animals that also pay decent wages. These jobs bring in close to that median income or even higher. (Note: While your income doesn’t impact your credit scores directly — these are the five factors that do — but making higher wages can certainly help you pay for the items you need. Want to see how your credit is doing? You can see two of your credit scores for free, updated every 14 days, on Credit.com.)

Here are 12 jobs working with animals that could pay the bills.

1. Groomer

  • Median Salary: $21,260
  • Salary Range: $17,160 to $34,780
  • Minimum Qualifications: high school diploma or equivalent

Groomers help pets look their best by cleaning them and trimming fur. Those who make the highest salary earn more than $34,000 a year. Groomers who work in Hawaii, California and Rhode Island typically make the most money.

How to Become One: Animal caretakers must have at least a high school diploma. Most training takes place on the job, but some choose to study at a grooming school. Employers generally prefer candidates to have some experience working with animals. If you want to care for animals in a zoo, you will likely be required to have a bachelor’s degree in animal science, biology or a similar field.

2. Kennel Attendant, Pet Sitter & Dog Walker

  • Median Salary: $21,260
  • Salary Range: $17,160 to $34,780
  • Minimum Qualifications: high school diploma or equivalent

Kennel attendants, pet sitters and dog walkers care for pets while owners are traveling or unavailable. The highest-paid workers usually earn up to $34,780 a year. Those who work in states including Hawaii, California and Rhode Island usually earn the most.

How to Become One: Generally, most kennel attendants, pet sitters and dog walkers must a obtain a minimum of a high school diploma. They learn additional skills on the job. Most employers prefer candidates to have previous experience taking care of pets. Those who work in kennels or shelters can learn more about the job by taking classes through the Humane Society of the United States and the American Humane Association. Pet sitters can obtain additional education through the National Association of Professional Pet Sitters. The organization offers courses, such as caring for parrots, dogs and dealing with pet behavioral issues.

3. Veterinary Assistant

  • Median Salary: $24,360
  • Salary Range: $18,060 to $36,690
  • Minimum Qualifications: high school diploma or equivalent

Veterinary assistants work in a clinic or animal hospitals, helping veterinarians care for animals. They are responsible for helping veterinarians with routine tasks. The best-paid veterinarian assistants earn $36,690 a year. Those who work in states such as Massachusetts, Connecticut and Maine tend to earn the most.

How to Become One: If you want to become a veterinary assistant, you should at least have a high school diploma. It also doesn’t hurt to love animals. Most veterinary assistants learn their trade on the job. Certification isn’t required, but it may help you get promoted or obtain an advanced position.

4. Laboratory Animal Caretaker

  • Median Salary: $24,360
  • Salary Range: $18,060 to $36,690
  • Minimum Qualifications: high school diploma or equivalent

Laboratory animal caretakers work in labs with animal scientists, biologists or veterinarians. They feed, care for and monitor the well-being of lab animals. The best-paid laboratory animal caretakers can earn as much as $36,690 a year. Those who work in states such as Massachusetts, Connecticut and Maine, earn the most.

How to Become One: Laboratory animal caretakers are required to at least have a high school diploma. Most laboratory animal caretakers learn their trade through on-the-job training. Certification isn’t required to become a laboratory animal caretaker, but some employers prefer it. Having a certification could also help you get promoted or obtain an advanced position.

5. Trainer

  • Median Salary: $26,610
  • Salary Range: $18,160 to $57,170
  • Minimum Qualifications: no formal education requirements

Animal trainers are responsible for training animals for tasks, such as riding, performance, obedience or assisting the disabled. They also help animals become more comfortable with human interaction. The highest-paid animal trainers can earn an annual salary of up to $57,170. Those who work in states such as Minnesota, New York and California can make the most money.

How to Become One: There are no formal education requirements to become an animal trainer. Those who work in the animal-training field usually receive on-the-job training. In addition, animal trainers can receive education through organizations such as the Humane Society of the United States.

6. Veterinary Technicians

  • Median Salary: $31,800
  • Salary Range: $21,890 to $47,410
  • Minimum Qualifications: an associate degree

Veterinary technicians perform medical testing with the supervision of a licensed veterinarian. They help diagnose an animal’s injury or illness. Veterinary technicians who are in the 90th percentile of earners take home an annual salary of more than $47,000. Those who work in states such as Alaska, Massachusetts and New York earn the most.

How to Become One: Those who desire to become veterinary technicians are required to complete a college-level program with the American Veterinary Medical Association. Candidates must enroll in either a two- or four-year program. Technicians are required to pass an exam and become registered, licensed or certified, depending on the state where they are employed.

7. Animal Control Worker

  • Median Salary: $33,450
  • Salary Range: $20,830 to $53,190
  • Minimum Qualifications: varies by location

Animal control workers help ensure the proper treatment of animals, investigate cases of mistreatment, and locate abandoned animals. Those who are among the top earners can make more than $53,000 a year. Animal control workers who work in states, such as Nevada, California and Washington, earn the most.

How to Become One: Animal control workers are required to have a minimum of a high school diploma or the equivalent. Additional training usually takes place on the job. The National Animal Care & Control Association offers training programs. In addition, some states require certification in animal control.

8. Conservation & Forest Technicians

  • Median Salary: $35,430
  • Salary Range: $25,430 to $54,860
  • Minimum Qualifications: high school diploma or equivalent

Conservation and forest workers keep track of wildlife, gather data, suppress forest fires and work to improve the health of forests. The top earners make more than $54,000 a year. Those who work in states such as Massachusetts, New York and Georgia earn the most.

How to Become One: A valid driver’s license and a high school diploma are the minimum requirements to become a forest and conservation worker. Most workers receive on-the-job training, such as the proper procedure for planting or thinning trees. They also learn how to safely operate and maintain forestry equipment. Some employers prefer candidates to have an associate degree in forestry technology or a related field. Programs should be accredited by the Society of American Foresters. In addition, some states require that employees receive training and sometimes obtain a license in the appropriate use of commercial pesticides.

9. Breeder

  • Median Salary: $39,380
  • Salary Range: $20,430 to $75,210
  • Minimum Qualifications: high school diploma or equivalent

Breeders select and breed animals according to characteristics and genealogy. The top earners make more than $75,000 a year. Those who work in Ohio, South Dakota and Kentucky earn the most.

How to Become One: Animal breeders are required to have a minimum of a high school education. In addition, breeders learn their skill through short-term on-the-job training. Those who want to breed zoo animals are required to have a bachelor’s degree in veterinary science and, depending on one’s career goals, postgraduate study in zoology.

10. Biological Technician

  • Median Salary: $41,650
  • Salary Range: $26,610 to $69,180
  • Minimum Qualifications: bachelor’s degree

Biological technicians help medical scientists in the laboratory. They are responsible for the setup, operation, and maintenance of laboratory equipment. They also monitor experiments. The top earners make more than $69,000 a year. Those who work in states, such as California, Connecticut and Massachusetts earn the most.

How to Become One: Biological technicians generally need a bachelor’s degree in biology or a similar field. Technicians must also acquire laboratory experience. In addition, it’s important to take computer classes because laboratories have computers and other high-tech equipment.

11. Zoologists & Wildlife Biologists

  • Median Salary: $59,680
  • Salary Range: $39,180 to $97,390
  • Minimum Qualifications: bachelor’s degree

Zoologists and wildlife biologists study animals and wildlife and how they interact with their environment. The top earners make more than $100,000 a year. Those who work in states such as Maryland, Connecticut and Rhode Island earn the most money.

How to Become One: A bachelor’s degree is necessary for those seeking entry-level positions. A master’s degree is usually required for advanced or scientific positions. Those who want to lead independent research or work at a university must have a doctoral degree.

12. Conservation Land Managers

  • Median Salary: $60,220
  • Salary Range: $37,380 to $91,830
  • Minimum Qualifications: bachelor’s degree

Conservation land managers work with conservation groups, landowners or other entities to protect specific wildlife and land. The top earners tend to make more than $90,000. Those who work in states such as Alaska, Rhode Island and New Jersey make the most money.

How to Become One: Conservation land managers must obtain a minimum of a bachelor’s degree, preferably in natural resource management. In addition, experience can be gained through internships and volunteer work. Some states require those desiring to become foresters to obtain a license.

Related Articles

This article originally appeared on Credit.com.

3 Rules to Live by If You Want to Get Out of Debt

When you’re so good at saving money that you can retire at age 31, people understandably want to hear your money tips. That’s how Clark Howard ended up with his own radio show, where he takes consumers’ questions about all things personal finance.

As it often is, debt has been a popular topic recently, and Howard has a few tried-and-true tips he likes to share with consumers. Whether you’re committed to paying down huge credit card balances or simply want to avoid ending up in debt, here are three things Howard recommends you do.

1. Always Save Some Money

Saving money is Howard’s primary approach to getting out of debt. Shoot for a savings rate of a dime per dollar earned (or 10%), but if you’re not saving anything right now, start by setting aside a penny per dollar (1%) and increase your savings rate every six months, he said.

“Now you may wonder, what does this have to do with eliminating debt in your life?” he said. “You have to start off by learning to live on less than what you make.”

Unless you can find a way to make more money, that means you need to cut things from your budget and put that extra money toward your debt (or a savings account, so you don’t have to turn to a credit card in an emergency).

2. Pay More Than the Minimum

“A lot of people pay the minimum payment because that’s what the bill says,” said Alex Sadler, managing editor of Clark.com. Doing that could leave you in debt for a very long time, so make it a priority to budget for more than the monthly payment. Credit card bills also include a section that says how much you need to pay each month in order to get out of debt in 36 months (three years), which can help you figure out how much room you need to make in your budget to get out of debt.

When you have multiple debts to pay off, Howard recommends using the “laddering method” to save the most money. That means focusing on the debt with the highest interest rate first.

“Keep throwing money at it, and [on] all the others pay the minimum,” Howard said. “Methodically, step by step, work your way to zero debt.”

It helps to make a list of all your debts and their interest rates. In fact, most people who call Howard don’t know how much debt they have, so sitting down and getting a sense of the numbers is a great place to start.

“If you ever want to get out of debt … the first thing you have to do is figure out how much debt you owe, and then you can make a plan,” Sadler said.

3. Find a Cheaper Alternative

One of the most common kind of questions Howard gets these days is about student loan debt, particularly from older consumers who borrowed or cosigned on behalf of children or grandchildren. As with all kinds of debt, the best thing to do is avoid it in the first place, because once you’re in debt, there’s usually not much you can do to get rid of it other than pay it off. (This is especially true of education-related debt, because it’s rarely discharged in bankruptcy.)

“The reality with anybody approaching college is the cost of college needs to be the highest priority,” Howard said. “You may have your favorite, but if your favorite would put you into very heavy debt or your family into very heavy debt, you need to go with a different school.”

Though he’s talking about education, that approach applies to anything that could put you in debt. You can’t always avoid going into debt, but if you save up as much as you can and opt for more affordable things (like a vehicle with fewer options or a home with most but not all of the things on your wish list), you’ll end up borrowing less and spending less money on interest.

As you work to pay down and stay out of debt, keep an eye on your credit scores. Not only will good credit help you qualify for better terms on things like an auto loan or mortgage, it can also make it easier to get everyday necessities like a cell phone or utility accounts. You can see two of your credit scores for free, with updates available every 14 days, on Credit.com

Related Articles

This article originally appeared on Credit.com.

How Unemployment Can Really Drive Up Your Tax Bill

Back in September of 2015, I lost my job and decided to take unemployment benefits for the first time in my life while I looked for a new one. Even the significantly reduced income that the unemployment benefits provided was a needed cushion since we’d closed on a new home the same week I lost my job. I’d crunched the numbers, and taking the benefits was going to be a better alternative than using money from our emergency fund (which was tied to the markets and had fallen significantly just the month before).

What I didn’t account for was taxes, so when I received that 1099-G form from the unemployment commission last spring, I was confused. I owed income tax on the benefits I’d received, which were already just 25% of what my income had been? Seriously? It felt unfair that my employers had been paying into unemployment insurance all these years so I’d have the benefit if I ever needed it, and now the government was going to take a good-sized chunk of that money I needed to keep our family afloat.

After a couple of hours of grumping, I bucked up, talked to our accountant and moved on. Of course it was my fault that I didn’t ask the right questions and do the necessary research to see what the tax consequences of receiving unemployment benefits would be. I was more mad at myself than anything, but the reality was that, instead of getting a refund, I was going to be paying Uncle Sam a couple thousand dollars.

Here’s how you can avoid having to do the same:

1. Get Those Taxes Withheld

If you’re currently unemployed, are receiving benefits and aren’t having taxes withheld, request that they do so now. Yes, your benefit amount will decrease, but it’s easier to cut back a little each week now than it is to come up with a larger lump sum when your taxes come due.

2. Review Your Filing Options

If you received unemployment benefits in 2016 and didn’t have taxes withheld, you’re going to have to pay them. Fortunately, there are some ways to mitigate just how much.

“You do have to claim your unemployment income, but remember your new lower income may make you eligible for tax benefits you couldn’t qualify for before,” said Lisa Greene-Lewis, a CPA and tax expert with TurboTax. “You also may be eligible for tax deductions and credits which can lower your tax liability.”

For example, you could qualify for the Earned Income Tax Credit, which is worth up to $6,269 for a family with three or more children. There’s also the Child Tax Credit of $1,000 for each dependent under 17 years old, and Education Tax Credits like the Lifetime Learning Credit, which can be up to $2,000. (You can find a quick guide to common tax exemptions and deductions here.)

“Credits are great because they lower your tax liability dollar for dollar,” Greene-Lewis said. “Also don’t forget what the IRS calls above-the-line deductions like deductible expenses for educator expenses paid up to $250, student loan interest up to $2,500, moving expenses for a job, and deductible IRA contributions, which can lower your taxable income.

“If you make below the IRS income filing threshold of $10,350 single ($20,700 married filing jointly), you also may not be required to file your taxes, however, you should if you had federal taxes deducted in your paycheck,” she said.

It could be worth your time and effort to get some guidance from a tax professional if you’re feeling uncertain about how all these credits work. If you can’t afford to pay a professional and you made less than $54,000 last year, there are free tax preparation services provided by the IRS. You may have to stand in line for a bit, but it could end up saving you significantly on your taxes.

3. Don’t Avoid Filing or Paying Your Taxes

Getting into trouble with the IRS is the last thing you want to deal with coming off of a stint of unemployment, so if you’ve reviewed all of the above options and find you’re still going to have a hefty tax bill due that you simply can’t afford, don’t panic, and definitely don’t put off dealing with the situation.

First, if you’re once again employed and can qualify for a credit card with a 0% introductory offer for purchases, you could pay your tax bill using that card and pay it off over time without any interest or penalties. It’s a good idea to check your credit scores before applying to ensure you qualify. You can get your two free credit scores, updated every 14 days, here on Credit.com.

If that’s not an option for you, you could consider using a credit card you already have, especially if it has a low APR, but you’ll end up paying significant interest, which will end up just costing you more money and probably isn’t a great idea. Instead, your best bet is likely talking to the IRS and asking for an installment agreement. That, Greene-Lewis said, allows you to pay your tax liability over a six-year period if necessary.

Think you’re going to owe Uncle Sam this year? You can find 7 ways to potentially cut your tax bill here.

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This article originally appeared on Credit.com.

Watch out Uber: Google’s Waze plans to expand ride sharing to more U.S. cities

Google’s navigation app Waze may be bringing another carpooling option fairly soon to a city near you.

In an interview Wednesday with the Wall Street Journal, Waze CEO Noam Bardin said the company plans to expand its ride-share services beyond Israel and the Bay Area to include additional U.S. cities and some Latin American markets.

>> Read more trending stories

Bardin said in the interview that one of the carpool service’s expansion targets is São Paulo, Brazil, but the other markets haven't yet been announced.

According to TechCrunch, Waze’s carpool option differs from Uber’s UberPOOL feature in that Google doesn’t seek to use the feature as a "revenue-generating opportunity for the drivers."

Instead, the option is designed to help drivers split the cost of gas and potentially cover some costs of a vehicle’s maintenance.

If Waze’s Carpool takes off and still focuses on cost-sharing instead of profiting, the company could help reduce the number of cars on the road, TechCrunch reported.

IRA Choices: Roth vs Traditional

MoneyTips

It's never too late or too early to think about your retirement. One of the most common and effective retirement savings options is an individual retirement account, more commonly referred to as an IRA. This article will look at the differences between a traditional IRA and another type of savings account called a Roth IRA. There are numerous financial products that will, if used correctly, both save and make you money for your retirement. When planning, remember the old adage, "It's not what you make, but what you keep." That's wise advice, and it sounds like something your father might say. Or maybe it was Ben Franklin. No, he said, "A penny saved is a penny earned." The point is that when you make money, you are producing income. The United States Internal Revenue Service (IRS) taxes your annual income. That is why you need to file a return ever...
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