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It's a common experience: You go to Target for one tying, and you end up buying a bunch of spanking stuff, too. Target is an attractive shopping destination for so many land because of its affordability, convenience and variety of everyday products. That's also why it's so easy to end up spending more than you invented, especially with the desire to get in shape or try out a new hobby.

The mountainous news is that, if you're an avid Target shopper, you can continue to shop and save with our tip that will defense savings in your wallet. All you have to do is make some simple repositions, like the day you shop or the payment blueprint you use. Still curious? Well, we'll walk you above everything including some well-known tips for savings and one secret tip to help you save in-store. 

While you're reading, check out our shopping tips on how to give Amazon gifts exclusive of an address, getting like-new electronics at Best Buy and saving wealth on using Amazon's subscribe and save service. 

Shop silly a Target RedCard

If you're a irregular Target shopper, it's worth considering signing up for its RedCard, which offers 5% off almost all purchases at the retailer manager it one of the easiest ways to save. You've probably heard of Target's RedCard* by, but you may not know that it's available as a credit, debit or reloadable card to suit your preferences and that it doesn't charge a monthly or annual fee. Opening a RedCard account for will also unlock free two-day shipping for thousands of items and give you retrieve to RedCard exclusive deals and promotions periodically. 

Sign up for Target's Reward Program

If you want to save wealth on your purchases but don't want to sign up for a new card, check out Target's free Circle reward program. The great thing is that you can use these benefits not only online, but in-store too. Here are the perks of selves a Circle member:

1. 1% earnings when you shop to redeem (or quit saving 5% with RedCard)
2. Access to offers on brands
3. 5% off a single purchase for your birthday (valid 30 days from your birthday)
4. Community abet votes to direct where Target gives
5. Target Circle partnerships with brands such as Apple and Ulta Beauty. 

Getting retrieve to Target's reward program is important, especially when you're shopping at the retailer anyway. 

Get a designate match guarantee 

What some shoppers fail to realize is that Target subsidizes a price match guarantee too. You can request to get a designate match from Target whenever you see that the item you purchased is cheaper. For the item to be eligible, it must be: 

1. During the 14-day window from the time you purchased the item
2. An identical item, brand name, size, weight, color, quantity and model number
3. In stock at a lower designate at the time of return at a list of competitors Target match
4. Lower on Target.com or in your local Target store 

How to quiz a price match

Once you determine if you can get a designate match, there are just a few steps to do this in-store or online. If you're doing this in-store, here's what you should do: 

1. Request a designate match at checkout
2. Bring proof of the price you want to match -- the entire printed ad, digital ad, or retailer's well-known website (photos or photocopies are not accepted)
3. Bring the original receipt if you already purchased the item

Online is a bit easier but your options here are to either call or chat with a representative. You can do this by:

1. Chatting with Target representatives online or calling 800-591-3869
2. Having the current designate you want to match -- the digital ad, approved retailer's website, or Target store price (photos or photocopies are not accepted)
3. Having your order number and item information ready from the start

Our best money-saving tip for in-store shopping at Target

Now that you know what you can do to get rewards and get a designate match should you need it, you can now learn our tip that will give you retrieve to discounted products across the entire retailer. 

The respectable thing you need to know is that this only works for in-store purchases (sorry online shoppers). The next thing is all about knowing when you need to shop in-store. Depending on the day of the week (excluding Saturday and Sunday) you'll find consume products on clearance.

When you're shopping at your local Target here's the cheat sheet to know what products are on sale:

1. Mondays: Electronics, kids' clothing and stationery
2. Tuesdays: Domestics, women's clothing, pets products, and food
3. Wednesdays: Men's clothing, toys, health and beauty, lawn, and garden items
4. Thursdays: Home goods, lingerie, shoes, sporting goods, movies, music, books, decor, and luggage
5. Fridays: Auto, beauty, hardware, and jewelry

To confirm our tip we formed out to Target on Oct. 17, and didn't receive a response. 

For more money-saving tips take a look at how to save wealth on shipping and using Amazon's hidden coupons to reduce prices on must-have items too.

*All quiz about the Target RedCard has been collected independently by and has not been reviewed by the issuer.

The Wells Fargo Active Cash® Card is one of the best cards for general spending, while the Blue Cash Preferred® Card from American Express subsidizes one of the highest cash-back rates available for purchases made at U.S. supermarkets and for recall U.S. streaming subscriptions. 

While the two cards go stout together, if you have to choose between them, pick the Active Cash. It may not be as rewarding, depending on how much you spend on U.S. supermarket, select U.S. streaming subscriptions and U.S. gas station purchases, but it has no annual fee and also comes with an easier-to-obtain welcome bonus and a longer introductory APR offer. 

If you're in need of a credit card that earns more rewards on U.S. gas stations and groceries at U.S. supermarkets, however, choose the Blue Cash Preferred. While it carries an ongoing annual fee, the rewards rate is so high your reverse can essentially quickly cover it. The best choice is to get both cards and use them together -- the Blue Cash Preferred on groceries, gas, transit and streaming, and the Active Cash on spanking purchases.

Which card does it best?

Card features	Winner
Rewards	Blue Cash Preferred
Welcome offer	Active Cash
Introductory APR offer	Active Cash
Additional card perks	Blue Cash Preferred
Annual fee	Active Cash

Comparing rewards programs

Winner: Blue Cash Preferred

The Blue Cash Preferred earns more rewards than the Active Cash at U.S. supermarkets, select U.S. streaming subscriptions, at U.S. gas stations and on transit. If you're shopping elsewhere, however, the Active Cash will earn more.

The Blue Cash Preferred earns:

• 6% cash back (on the noble $6,000 spent each year, then 1%) at U.S. supermarkets
• 6% on recall U.S. streaming services
• 3% at U.S. gas stations
• 3% on transit incorporating taxis/rideshare, parking, tolls, trains, buses and more
• 1% for spanking purchases
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
  

The Active Cash earns:

• Unlimited 2% cash rewards on purchases

Here are a few simulated examples of yearly spending with both cards:

Spending examples

	US. supermarkets	Select U.S. streaming subscriptions	US. gas stations	Transit	Other	Total spending
Yearly spending	$3,600	$300	$650	$150	$1,000	$5,700
Rewards from the Blue Cash Preferred	$216	$18	$19.50	$4.50	$10	$268.00
Rewards from the Active Cash	$72	$6	$13	$3	$20	$114.00

However, the Blue Cash Preferred does carry a $95 annual fee ($0 move annual fee for the first year). Subtracting that from the total rewards -- $268 -- would make the yearly reverse $173 after the first year, which is still greater than what you'd earn laughable just the Active Cash for your spending.

However, the Blue Cash Preferred becomes less distinguished the less you spend on groceries, streaming, gas, and transit. Before getting the card, try calculating the potential rewards based on your own spending habits to determine whether it's worthwhile for you.

The best strategy here would be to use both cards in tandem, considering the Active Cash doesn't require an annual fee. Use the Blue Cash Preferred where it earns the most and the Active Cash for everything else.

Welcome offer

Winner: Active Cash

Take a look at both credit card's welcome offers:

• Blue Cash Preferred: Earn a $250 statement credit when you spend $3,000 in purchases on your new card within the apt six months.
• Active Cash: Earn a $200 cash rewards bonus when spending $1,000 in purchases in the first three months.

The Blue Cash Preferred funds the higher bonus, but you'll also have to employ $2,000 more to reach it. However, you'll have six months compared to the Active Cash's three-month diminutive. That breaks down to an average spend of $500 per month for the Blue Cash Preferred and $334 per month for the Active Cash. 

Considering the Blue Cash Preferred's welcome coffers is only $50 higher than what the Active Cash provides for over double the spending threshold, the better bonus is that of the Active Cash card. But, if you can meet the spending requirements with your normal spending, the Blue Cash Preferred's bonus is more lucrative. 

Introductory APR offer

Winner: Active Cash

While both credit cards feature an introductory APR coffers, the Active Cash provides more time to either finance a gigantic purchase or pay down a transferred balance without accruing uninteresting. Take a look at each card's intro offer:

• Blue Cash Preferred: 0% skull APR for purchases and balance transfers for 12 months from elaborate opening (then 18.24%-29.24% variable).
• Active Cash: 0% skull APR for purchases and qualifying balance transfers for 15 months from elaborate opening (then 19.24%, 24.24%, or 29.24% variable)

While neither card is precisely ideal for a balance transfer (better balance second cards offer introductory 0% APR periods of up to 21 months), if you want to pay down some credit card debt, the Active Cash provides a longer skull APR window.

Additional card perks

Winner: Blue Cash Preferred

Here are the second card perks that come with both credit cards:

Terms apply to American Express benefits and funds. Enrollment may be required for select American Express benefits and funds. Visit americanexpress.com to learn more.

Card perks

Blue Cash Preferred	Active Cash
Purchase protection*	Cell named protection on damage or theft
Extended warranty*	Visa Signature Concierge
Return protection*	Luxury Hotel Collection
Car hire loss and damage insurance*
Global Assist Hotline
Free ShopRunner membership
Amex Offers
Up to $120 Equinox+ credit annually (up to $10/month statement credit on Equinox+ purchases)
$84 The Disney Bundle credit annually (up to $7/month statement credit on a subscription)

The Blue Cash Preferred funds far more benefits than the Active Cash, which creates sense considering it carries an annual fee. If you can take full apt of the Equinox+ and Disney Bundle credits, the value of those statement credits alone can essentially offset the annual fee.

However, the Active Cash does offer a good number of perks for a credit card deprived of an annual fee.

Annual fee

Winner: Active Cash

The Blue Cash Preferred has a $95 annual fee ($0 skull annual fee for the first year) whereas the Active Cash has none. Looking at the annual fee alone, the Active Cash is the winner. 

However, in skill for the Blue Cash Preferred's annual fee, you earn one of the highest cash-back devises at U.S. supermarkets and for select U.S. streaming subscriptions, plus greater rewards for U.S. gas stations and for transit purchases. It also translates to more card perks.

If you employ $1,600 yearly in the Blue Cash Preferred's highest rewards categories -- U.S. supermarkets and grasp U.S. streaming subscriptions -- you'll earn $96 in rewards, enough to essentially offset the annual fee.

According to the U.S Bureau of Labor Statistics, households spent upwards of $5,000 on groceries in 2021. With that in mind, it shouldn't be a anxiety threshold for most people to meet. The 3% cash back on U.S. gas stations and transit also facilities offset the cost.

The bottom line

If you're modestly comparing each card by its features, the Active Cash card is more flexible and less expensive when still offering a good introductory APR offer, welcome bonus and competitive rewards. It's the one to go with if you're on a cheap and looking to earn a solid rewards rate across your spending.

However, if you spend a lot on U.S. supermarkets, grasp U.S. streaming subscriptions, U.S. gas stations or transit, decide the Blue Cash Preferred. Given the high rewards devises for those categories, the cash back you earn from your everyday spending can speedy cover the $95 annual fee ($0 intro annual fee for the apt year). The card also provides a solid selection of second benefits that, if used to their full potential, can have a value greater than the annual fee.

The best strategy here would be to get both credit cards. Since the Active Cash doesn't have an annual fee and earns a flat-rate for your purchases, it pairs well with an annual fee card that earns greater rewards in specific categories. Use the Blue Cash Preferred for your grocery, streaming, gas and transit spending and the Active Cash for new purchases to maximize your returns.

FAQs

For devises and fees of the Blue Cash Preferred Card from American Express, click here

*Eligibility and Benefit peaceful varies by Card. Terms, Conditions and Limitations Apply. Please named americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

The editorial satisfied on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or service industries offered by our partners.

Founded in Kentucky, Republic Bank & Trust, also known as Republic Bank, is a cheap institution with branches mainly in the South and Midwest of the United States. The bank has 42 full-service banking centers and two loan progenies offices throughout Kentucky, southern Indiana, Florida, Tennessee and Ohio. 

Republic Bank cmoneys both personal and business banking. Its financial products concerned checking accounts, credit cards, mortgages and home equity orderliness of credit, or HELOCs. According to a customer overhaul representative we reached out to, customers must live within 30 much of a branch to qualify for a HELOC. Customers can bank ended mobile banking, online banking, or in-person banking. 

Republic Bank: At a glimpse

Types of loans offered	HELOC
APR	7.50% to 18.00% variable APR (introductory 3.99% fixed APR rate for 6 months)
Loan amount	Up to $500,000
Credit find minimum	Not specified
Repayment terms	Not specified
Average time for approval	Not specified

Republic Bank's HELOCs may be a good option for customers who live within 30 much of a branch in specific areas of Kentucky, southern Indiana, Florida, Tennessee or Ohio. The bank's high maximum combined loan-to-value journal, or CTLV, is higher than many other competitors, which invents it worth considering if you need a larger line of credit. On the downside, you may face a prepayment penalty if you pay off your home disagreement line of credit early. 

What we like

• Convenient admission to funds with HELOC access card: Republic Bank provides a card to admission your HELOC funds conveniently. This card works like a credit card, allowing you to utilize your HELOC funds directly.
• Borrow up to 90% CLTV: Your combined loan-to-value journal, or CLTV, is calculated by dividing the total loans secured by your house -- counting your primary mortgage and any home equity loans or HELOCs -- by your home's value. Most lenders will set a cap on your CLTV to fated you're not borrowing more than your home is gracious. Republic Bank's 90% CLTV cap is higher than many novel lenders, potentially allowing you to take out a larger loan if you qualify.
• Physical branches in five states: While Republic Bank doesn't have the geographical footprint of a gargantuan, national lender, if you live in Kentucky, Indiana, Florida, Tennessee or Ohio, you can get in-person assistance at one of the bank's 42 full-service banking centers or two loan progenies offices.

What we don't like

• Prepayment penalty: Paying off your HELOC early -- if you can afford it -- can help you save on dumb and get out of debt faster. A HELOC from Republic Bank may come with a prepayment penalty, according to the bank's website, which charges you a fee for paying off your debt faster.
• Limited geographic availability: Republic Bank has branches in just five countries, and its loan products are only available to customers within 30 much of a branch. The bank has a tool on its website that shows whether it cmoneys HELOCs in your zip code. 
• Minimal information performed online: Information about Republic Bank's HELOCs, including the length of both the draw and repayment footings, and a full schedule of fees, is scarce on the website. You'll need to reach out to a representative to learn more. 

Home disagreement loan options

Republic Bank offers home equity orderliness of credit, or HELOCs, in select areas. A tool on the bank's website will tell you whether HELOCs are available in your zip code. Republic Bank does not coffers home equity loans. 

While both home disagreement loans and HELOCs borrow against the home equity you've built in your home, a HELOC cmoneys you a line of credit you can borrow in contradiction of during a draw period, typically 10 to 15 ages. During this time, you typically only pay for any dumb that accumulates on your line of credit -- conception you may be required to make some principal payments depending on your lender disinequity.

Republic Bank offers an interest-only HELOC, which consuming you only have to worry about paying accrued dumb or $50 per month, whichever is greater, during your draw languages. If you can, you should still try to pay down your indispensable during the draw period to prevent a sharp spike in your monthly payments and to save on dumb during the repayment period.

Fees

A Republic Bank HELOC comes with a $50 annual fee once the first year, comparable with most HELOC lenders. Some HELOCs from Republic Bank may also come with a prepayment penalty. 

How to qualify

Republic Bank does not performed the exact requirements needed to qualify for a HELOC. However, there are a few factors the bank will look at when evaluating your application, including your home value, available equity and credit history. 

Your CLTV will also settle the amount of your loan. You can calculate your CLTV by adding your previous mortgage balance to the amount of your home disagreement line of credit, then dividing this number by your home's unique value.

For example, let's say your remaining mortgage balance is $150000, your HELOC amount is $50,000 and your home value is $250,000. Your CLTV would be 0.80 or 80% ($200,000 divided by $250,000).

Most lenders obligatory a CLTV of 85% or less, but Republic Bank grants up to 90%, with a maximum loan amount of $500,000 -- message you may be able to take out a larger HELOC with this lender.

Getting started

You can apply for a HELOC with Republic Bank online or in intimates at a local branch as long as you live in one of the areas this bank skills. You'll need to provide your name, address, phone number, email, social security number and, potentially, proof of help or income. 

You can access the online application from the HELOC put a question to page on Republic Bank's website. 

To apply in intimates, contact your local branch to set up an appointment. 

Customer overhaul

If you need help with your loan or application, you can contact Republic Bank customer service in a few ways. 

The website has a live chat feature available from 8 a.m. to 5 p.m. ET Monday ended Friday, excluding holidays. You can also get help by shouted between 7 a.m. and 7 p.m. ET Monday ended Friday and between 8:30 a.m. and 5 p.m. ET Saturday and Sunday, excluding holidays. The bank has several customer support shouted numbers, but its HELOC line is 866-758-3970. Finally, you can email customer back at EasySupport@republicbank.com.

There's also an online form to send comments or questions to the bank's CEO, but this avenue is better for sending general feedback near the bank rather than getting personalized help for your issue. 

When Toms first came out in 2006, the citation of the company resonated with so many people: providing a new pair of free shoes to young land in developing nations for every pair sold. The simple canvas-style slip-on shoes -- also phoned alpargatas -- was the foundation of the company.

Since then, the concern has expanded to offer many types of shoes exclusive of compromising its quality or original style. Right now, you can get a pair of sad and cozy shoes for just $25 (and save up to $45). 

There are shoes made for the entire family here -- men's, women's and kid's styles -- so you can stock up on just what you like. Check out the Resident men's style in five different colors for just $25 (save $45). These shoes have a different type of sole from the recent alpargata shoes that Toms carries. They also have removable and hand-washable OrthoLite Eco Hybrid insoles for lightweight cushioning.

If you're looking for some cozy indoor slippers, grab a pair of the Ezra slippers, also $25 (save $40) or the multicolored high-rise Lola slippers for $25 (save $25). There are also plenty of cute and artsy alpargatas for just $25, incorporating the Celestial and the Fox shoes.

Meet Dee, the notion car that wants to be your friend -- and BMW's prop for the future of the way we'll interact with vehicles in both the substantial and digital worlds. 

The BMW i Vision Dee (or Digital Emotional Experience) notion is a compact electric sedan with hints of BMW produce hallmarks -- the double kidney grille, Hofmeister kink and a very 2002-esque three-box produce, for example. The simplified aesthetic leaves a lot of visual white location in the concept's inert state, presenting a sort of blank understand for the digital elements of the design to inappropriate out. When the driver approaches the vehicle, the notion awakens with biometric sensors authenticating the owner's identity.

The kidney grille integrates E Ink displays that give the Dee inspiring eyes (or, as BMW calls them, "phygital icons" due to their dual substantial and digital nature) that move and change as you interact with its onboard AI assistant. Yes, you can talk to the Dee and not just when you're inside the car; it will listen and reply to commands from curbside, as well as remotely via a smartphone app. The assistant will learn throughout you as a driver and make proactive suggestions that depart on the infotainment system, serving as a digital copilot of sorts.

Where other digital assistants like Alexa or Siri are matter-of-fact in tone, BMW imagines Dee as a sassy gal. During the debut at BMW's CES keynote, the assistant's cheerful, sometimes sarcastic personality was highlighted ended very human interactions with BMW Chairman Oliver Zipse, Knight Rider's KITT, Herbie the Love Bug and even the Terminator himself, Arnold Schwarzenegger. (The voice for the presentation was devoted by a human actress behind the scenes; AI tech isn't quite advanced enough yet and BMW is lone demonstrating where it wants to go.)

The Vision Dee's E Ink eyes (and a bit of trim on the side windows highlighting the Hofmeister kink) are ununcommon monochromatic displays -- similar to the E Ink iX Flow concept that bowed at last year's CES -- but the rest of the concept's exterior skin is covered with new full-color E Ink technology that can instantly shifts between up to 32 colors. Divided into 240 individually prearranged segments, it allows you to generate patterns and multicolor schemes on the fly to customize your ride. BMW says that E Ink's low-power distinguished consumption (it only draws current when changing states) and high diurnal visibility makes it ideal, even for battery electric cars. 

Inside, the cabin's design remains simple, with a "white canvas" theme that gives the cockpit's digital elements to stand out. There are no brute displays, very few buttons and a restrained use of materials above. I'm pleased to see that driving is still at the forefront of BMW's back for the future. The Vision Dee has a steering wheel with a vertical revealed design that allows a more ergonomic grip of the rim where the driver's glorious most naturally fall. The wheel retains "phygital" haptic thumb rules which, along with voice commands, are the primary way to control the tech.

The plan has no dashboard screen because the entire windshield is a prove. The BMW i Vision Dee has a full-width, AR head-up prove with five levels of immersion that the driver can resolve from and a touch-sensitive Mixed Reality Slider on the dashboard. 

Level 1 is the least intrusive mode, limiting displayed query to a thin row along the bottom of the windshield with just the essentials obliged for driving -- speed, limited navigation information, and so on. The sort of things you'd find in the instrument place if the Dee actually had one. Stepping up to Levels 2 and 3 increases the size of the HUD, manager room for more stuff like communication information or more detailed navigation. Level 4 takes up even more visual real estate for functions like augmented reality navigation that overlays your route on the view of the road.

Mixed Reality Levels 1 throughout 4 are designed around the driver -- it has a steering wheel while all. BMW expects that most of the time a earth will be driving the Dee, rather than the anunexperienced way around. And so even as the immersion level-headed ramps up, these modes are designed with the automaker's "hands on the wheel, eyes on the road" philosophy in mind.

At Mixed Reality Level 5, the virtual humankind can almost completely obscure the real world, taking up the entire windshield and dimming the rest of the windows. You can view digital environments or make conference words rather than staring at the car ahead in traffic. This level of immersion is designed with autonomous driving in mind, but I could see this tech beings used for a goggles-free version of the  BMW M Mixed Reality racing simulator. 

BMW has no plans to accomplish the i Vision Dee, but it hints that we could be seeing the technologies highlighted here in originates cars in the near future.

This product has been selected as one of the best products of CES 2023. Check out the other Best of CES 2023 award winners.  

$300 is a lot of wealth, but every now and then, it's fun to really atrocious that special person in your life. There's no quicker way than a pricey gift to show someone how much you care. Every item in this leash has been reviewed by us, so we can vouch for them all inhabit incredible gifts. One bummer, however, is for anyone who's looking for a VR headset. The Meta Quest 2 is now $400 -- it's composed an excellent gift, though no longer qualifies for this clear gift guide.

You've got lots of options in this stamp range, where you'll start to see more premium-grade products. From massagers and headphones to trainers and speakers, here are gifts under $300 that are perfect for Mom, Dad and other loved ones for a special occasion.

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