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[ad_1] Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Earnings to drive Tesla stock into orbit? Tesla has disrupted the entire automotive industry. The global leader in electric vehicles now has greater stock market value than Ford, Chrysler and GM combined. So why is Tesla not in the S&P 500? While Tesla’s growth story has been incredible, the company left investors waiting for those profits to follow. (And we’re not even going to get into its always controversial leader Elon Musk.) Long story short, Tesla is not a S&P 500 constituent because it hasn’t been profitable for long enough. This from Fortune magazine: “To be included in the S&P 500, not only must a company have netted a (GAAP) profit over the past four quarters combined, it must also record positive net income for the most recent quarter. That means, while the electric vehicle maker has reported a profit for the past three quarters in a row, according to the rules, Tesla must also post a profit for the second quarter of 2020, when it reports those financial results.” With one or two additional quarters of profits, Tesla may find a spot in the S&P 500—and that will likely provide another lift for the stock. On Wednesday Tesla reported another profit with Q2 earnings. The company delivered $327 million in GAAP operating income. That now makes four quarters of sequential profitability. That is impressive given that its main factory in Fremont was closed for half of the quarter. Tesla is set to open three new factories on three continents later in the year. Despite headwinds, Tesla plans to deliver over half a million vehicles in 2020. Of course, that’s just a small slice of North American annual auto production, which represented 16.8 million vehicles in 2019. Still, investors continue to be attracted to the electric car growth story. Pass the punch bowl: more economic stimulus Last week’s post looked at the kick off of U.S, earnings. This time around it’s stimulus week, with another €750 billion approved in Europe. From CNN: “The European Commission will borrow the money on financial markets and distribute just under half of it — €390 billion euros ($446 billion)—as grants to the hardest hit EU states, with the rest provided as loans. Leaders also agreed a new EU budget of nearly €1.1 trillion ($1.3 trillion) for 2021-2027, creating combined spending power of about €1.8 trillion ($2 trillion).” The U.S. has another trillion dollars on the table. Pass the punch bowl. More oxygen for the markets. The markets cheered, of course. The “safe” telco sector faces pressure on many fronts The communications and telco sectors are staples for investors—especially for investors who seek very generous dividend income. And the sector is well-situated for the new stay at home economy. After all, we need to stay connected to work and, more than ever, to stay connected with each other. I always joked that folks would choose their wi-fi over food. But the telco subsector certainly faces its challenges. “From a subscriber growth point of view it’s going to be pretty ugly,” Edward Jones analyst Dave Heger said. “All of the major players had most of their doors closed for a good chunk of the quarter.” Desjardins analyst Maher Yaghi predicts a 3.3% year-over-year decline in wireless service revenue for the industry. Average billing per user is expected to decline by 5.8% from the same quarter last year. Amid the stay-at-home economy, with no international travel for business or pleasure, roaming revenues are to be nearly wiped out for all carriers. Customers have been offered some free services and, as per analyst Dave Heger, their stores and kiosks have been closed, leading to less or no subscriber growth. That also leads to fewer device upgrades as well. For Rogers and Bell, media revenue is expected to be hit very hard. There were no live sports to broadcast. We’re also seeing that ripple effect of poor economic conditions with less advertising spend by many companies. Rogers was the first of the Big 3 to report. Here’s the headline news from their earnings report of July 22 (for the three months ended June 30, 2020): “Total revenue decreased by 17% this quarter, largely driven by 13% and 17% decreases in Wireless service and equipment revenue. There was a 50% decline in Media revenue.” Revenue (in millions) 2020 2019 Wireless $1,934 $2,244 Cable 966 997 Media 296 591 _____ ____ Total $3,155 $3,780 Adjusted earnings are down some 48% for the quarter. That is driven largely by the media unit moving to a loss. Moving forward, we might expect slow growth for quite some time. The reports suggest it may take years to get back to pre-pandemic levels of revenue and earnings. Given the uncertainties Rogers, did not provide any forward-looking guidance. I am certainly not hanging up on my telcos. I’d be more than pleased if they could simply maintain their dividends. Rogers reported some positive early signs as stores re-opened. Professional baseball and hockey are set to hit the parks and rinks, which may also give recovery an assist. COVID-19 has small businesses on the ropes The virus has changed the way we live and spend. Many small businesses were forced to close shop as a precaution against the spread of COVID, and the shift in our shopping habits saw us turn away from others. Year over year, spending is down an average of 25% from March to June of 2020. SOURCE: Canadian Federation of Independent Business Only 26% of Canadian small businesses report that it’s business as usual when it comes to sales—this according to a recent (and sobering) report from the Canadian Federation of Independent Business. SOURCE: Canadian Federation of Independent Business Small business is a main driver of the economy. It employs more than half of the private sector workforce and accounts for 52% of private sector GDP. Right now, they could more than use

[ad_1] Camp Mustache Seattle, one of Chancellor Taner’s ongoing assignments. Foreword from Mr. Money Mustache : Marla is a long-time friend who I met on one the very first of the Ecuador Chautauqua trips. Since then, she has served as the Chancellor of Fun in the MMM organization, which is an informal and haphazard group of entirely volunteer planners who sometimes create interesting events. Marla wrote this on March 18th, which makes her optimistic perspective from that moment in time even more appropriate today as we emerge from the chaos. The Medicine of MustachianismBy Marla Taner I love face punches.  I love the shockingly simple math of early retirement.  I love that we all enjoy debating the merits of financial independence versus retiring early.  And I love that in the end, this blog is not really about money.   And it’s not because my portfolio just lost more than 30% and it’s not because my friends and family are enjoying their moment of schadenfreude.  I wrote this blog post because when the rest of the world is going crazy all around you and you suddenly realize with clarity what the whole point of Mustachianism is, you want to share it with everyone you care about as soon as possible. Yes, it’s true.  After nearly seven years of “retirement”, and watching When Harry Met Sally* for the 1000th time while self-isolating, it took the Corona Virus to inspire my first blog post. First, a dose of confession.  I don’t always follow MMM’s advice.  In particular, I love politics and I watch way too much of the 24 hour news cycle on TV.  I justify it with all the usual excuses: it’s important, I want to be informed, this is an incredible time in history.  But, as with much of MMM’s sage advice, while I’m doing what he recommends against, his voice is in my head (or his virtual fist is in my face) reminding me why this is a bad idea.  I am still a work in progress. Since the news cycle shifted from those ubiquitous tweets from you-know-who to worldwide calamity, it has become abundantly clear that I need to turn off the news.   My palms are sweating, my pulse is racing, it’s hard to sleep. You just might feel this way too. Here’s some medicine for that: The Low Information Diet Second, take a a dose from the optimism gun by reading The Practical Benefits of Outrageous Optimism. Finally, learn what to do (and not to do) in times like these by figuring out How Big Is Your Circle of Control. We are the lucky ones.  What I earned during my career was far greater than the average world income of $5000 per annum.  By being frugal and running against the herd, I saved more than 50% of my income over a 15 year career.  My expenses are low. I can make my expenses lower if I really need to. I have the luxury of staying home and gathering my loved ones close during these difficult times.  And even though my net worth is suddenly, shockingly lower; I have time on my side. Let’s remind ourselves of the stock market chart throughout history.   Inflation adjusted S&P500 price, (not even including dividends!) Image source Macrotrends.net Yes, I realize that being lucky does not insulate us against hardship.  We are not immune to sickness or loss, disability or discrimination, tragedy can still strike.  But, let’s be grateful for what we have, and remind ourselves of our resilience. After all, even if the worst happens, we’ll still be okay.  In fact, my favorite post was this one that inspired me to pull the trigger on FIRE in 2013: If I Woke Up Broke Finally, a dose of what’s really important.  Yes, the whole point of Mustachianism. MMM retired at just 30 years old because he wanted to be the best Dad he could be.  He didn’t “retire” to write this blog, start a movement and change the world. He realized his needs and his wants were small.  Being a great Dad didn’t mean constantly travelling the world, or competing for the best private schools or private equestrian leagues.  It was taking his son on adventures in the neighborhood, teaching him to ride a bike, building forts, playing games, giving him the gift of his time.  And, when you ask MMM now what he’s figured out about happiness, he tells us that to have a great life, you just need to put together a string of enough great days. While everyone’s great day is different, Pete’s includes time outside, exercise, time with family, socializing with friends and some hard work.  And so, as we all face this global pandemic together, let’s think about what makes our own great day.  Chances are, it doesn’t cost much. The ones you want to spend it with might be locked inside with you right now.  The great outdoors still beckons with singing birds and the first signs of spring. There are great meals to cook, books to read, movies to watch, and chores to catch up on.  Our homes have never been this clean. And if we can’t meet up with friends in person, let’s call, text or video chat with each other.   On a final note, let’s thank our amazing health care professionals on the front lines, those that are making sure our shelves are stocked with necessary food and supplies and all the “caremongerers”.   Mustachianism really is the best medicine.** *thanks Nora Ephron. **with all due respect to laughter. My thanks to Mr. Money Mustache for providing his favorite stalker with this platform to share my thoughts.  Marla Taner met MMM in Ecuador at the first Chautauqua and has continued to stalk him at Mustachian and FIRE events ever since.  You may or may not be able to find her on Facebook. MMM here again: I am going to try to invite Marla back here to respond to any questions here in the comments.

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[ad_1] Disney to reveal pandemic hit to parks and ESPN, boost to streaming services, on Tuesday [ad_2] Source link

[ad_1] Launched into space on May 30 this year, SpaceX’s Crew Dragon has splashed down in the Gulf of Mexico on Sunday, marking a successful attempt of the US astronauts visiting the International Space Station (ISS) and returning. [ad_2] Source link

[ad_1] Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Gold outshines itself Gold stole the headlines this week. That can happen when an infamous asset takes out its previous all-time highs.  Last Sunday, gold made another push and hit its all-time high above $1,920. By Friday, July 31, the price had moved above $1,990. (Gold is priced in USD.)  Gold is gaining based on general uncertainties in these, well, uncertain times. There is also the fear of inflation. Many investors also point to the prolific money printing from central banks and the ballooning deficits and deficits. In this MoneySense post, I touched on Canada’s pending $1-trillion debt, and the similarly large number representing proposed stimulus in the U.S.  MoneySense contributor Bryan Borzykowski recently pondered whether it’s time to buy gold again:  “A lot of people are excited about gold today because of how much debt countries around the world are accumulating. The more leverage these countries take on, the more concern there is about currency devaluation, while gold remains worth what it’s worth.”  Portfolio managers who are fans of gold will suggest a 5% to 10% portfolio weighting. As Bryan suggested in his article, if gold gains are modest, that kind of allocation won’t give you much of an overall bump.  That said, we might remember that gold increased almost tenfold during the period of stagflation of the 1970s and early 80s. During the Great Depression, the price of gold more than doubled in value in the early years of the stock market crash from 1929. In modern times, from 2000 and  moving through the dot-com bust, the financial crisis and the recent pandemic crisis, gold has been one of the best performing assets. (A good source for gold performance charts is macrotrends.com.) Detractors of gold will, of course, point to the long periods (decades) when gold has lost value. Proponents of gold as a portfolio asset will remind us that, similarly, insurance coverage is a cost that may not seem to have a return—until you need it.  Investors can hold ETFs that invest directly in physical gold. One can also own ETFs that invest in baskets of gold stocks. And more experienced investors may hold individual gold stocks. To create income or to rebalance their portfolio when gold skyrockets (as it is doing now), the investor would simply sell some of those units or shares.  And the “new gold” polishes its image Bitcoin caught its own share of headlines this week. According to charts at coindesk, Bitcoin moved from $9,400 to more than $11,200 over the last several days.  Bitcoin is trying hard to make a case for itself as a core asset. Of course let the debate begin. We’ll see you in the comment section. (For background, check out this MoneySense post.)  For the record, I do hold a very modest position in Bitcoin. I also hold some gold ETFs and gold stocks. Warren Buffett, the world’s greatest investor, just nibbling When the pandemic brought on the dramatic stock market correction in late February, many investors looked to Warren Buffett. Of course Mr. Buffett is often recognized as the world’s greatest investor. He has made a hobby by beating the U.S. stock market with regularity, and by a very wide margin.  But in February and beyond, Buffett was eerily silent. There was no typical “U.S.A.! U.S.A.!” cheerleading and assurances. In fact, Mr. Buffett offered incredible caution. He was preparing for the worst and even thought the massive cash pile of Berkshire Hathaway might be needed to shore up existing businesses.  Buffett’s most famous quote might be:  “Be greedy when others are fearful.”  So it’s interesting that, in light of the pandemic, Buffett’s first move was to sell. He sold his entire position in four major U.S. airlines.  “The world has changed for the airlines. And I don’t know how it’s changed and I hope it corrects itself in a reasonably prompt way. I don’t know if Americans have now changed their habits or will change their habits,” Buffett said in May 2020. At the time, he stated that Berkshire expected some of their businesses (wholly-owned subsidiaries) to not survive. The cash pile, resulting from that airline stock selloff, might be needed to patch holes in the portfolio.  “We don’t prepare ourselves for a single problem, we prepare ourselves for problems that sometimes create their own momentum,” Buffett said. His first notable buy was a near $10-billion purchase of pipeline assets from Dominion Energy. That took place in early July. It was announced that Buffett has also been buying back shares of Berkshire Hathaway, estimated at a total of $5.3 billion.  And this week Berkshire Hathaway did more of the same ‘ol, same ‘ol —buying more shares in Buffett’s favourite bank, Bank of America. The additional $1.2 billion in share purchases raised the ownership stake to 11.5%, according to the New York Times. That is Berkshire’s second largest stock holding after Apple.  What can we glean from Buffett’s recent moves? The most important aspect might simply be that he’s no longer sitting on that overstuffed wallet. We might take that as a sign of at least some confidence in the stock markets and economic recovery.  It’s a start. Is the Oracle of Omaha just getting warmed up?  U.S.-dollar downer The almighty U.S. dollar is starting to cower. In fact, Goldman Sachs even suggests the its status as the global reserve currency is at risk. (Backgrounder: As a reserve currency, many global financial assets and commodities such as oil are priced in, and traded in U.S. dollars. Those institutions and central banks around the world need to hold U.S. dollars.)  From that Bloomberg post: “The greenback faces several risks, including that the U.S. Federal Reserve may shift toward an ‘inflationary bias,’ a rise in political uncertainty and growing concerns surrounding another spike in coronavirus infections in the country, according to Goldman strategists. They added that the debt buildup as

[ad_1] Now could be one of the best times to refinance your mortgage over the next ten or twenty years. Mortgage rates are nearing record lows thanks to “declining inflationary pressures,” according to Freddie Mac’s chief economist Sam Khater. At the same time housing prices are not suffering like other parts of the economy right now, mostly due to demand. These factors have created a situation where you can potentially refinance your home using its new, higher value and get cash out in the process. You can also refinance to save money on interest, move into a lower monthly payment, or both. Should you refinance the mortgage on your home? The answer depends on an array of factors as well as whether you have the time and energy to devote to the process. But if you do decide to refinance your home, you should also keep in mind that the steps you take now could leave you in a better position later on. What You Need to Know About Refinancing Right Now As of July 2020, mortgage rates for a 30-year home loan can be as low as 2.75% APR. This makes refinancing your mortgage an attractive proposition if your current interest rate is at least half a percentage point higher than that. Approval requirements for a mortgage can vary from lender to lender, but an array of sources seem to indicate that lenders are making it slightly more difficult to qualify. This can mean tightened credit requirements and more money down. For example, Chase now requires 20% down and a credit score of at least 700 to qualify for one of their mortgage loans, per a news release from HousingWire. While requirements may be somewhat tighter overall, technology has made it easier than ever to shop around for a mortgage. You can compare quotes online and complete the entire refinancing process from the comfort of your home. Some mortgage refinance companies will even send a representative to close your home loan in person. Steps to Take Before You Refinance Your Mortgage If you believe you may be eligible to refinance your mortgage right now, there are steps you can take to prepare your finances and make sure you can qualify for the best rates and terms. Here’s everything you need to do before you move forward and apply. Step 1: Check your credit score. With many lenders tightening their credit requirements for mortgage refinancing, having an idea of your credit score can help you prepare. You may find your score is better than you think, or you may find that it needs some work. Either way, you’ll never know unless you check. If you don’t have a credit card that offers a free credit score on your monthly statement, you can sign up for a free account with Credit Karma or Credit Sesame to see where you stand. Both require some basic personal information to get started, but you’ll get access to at least one version of your credit score as well as credit-tracking tools. Step 2: Get your finances in order. When you apply for a new mortgage or a refinance, several aspects of your personal situation are considered. For the most part, this includes your credit score, your history of employment, your income, your down payment amount, and the amount of debt you have in relation to your income. Saving up a considerable down payment may not matter as much for a refinance, but you may be able to qualify for better mortgage rates and terms if you keep your credit in great shape and keep your debt-to-income ratio on the lower end. Generally speaking, lenders prefer to approve borrowers with a debt-to-income ratio of 43 percent or below, meaning your monthly debt payments make up less than 43 percent of your gross monthly income. If you earn $10,000 per month, for example, your monthly debt obligations would be less than $4,300 each month if you hoped to meet this standard. Step 3: Compare mortgage rates. The mortgage refinancing business is highly competitive, but that doesn’t mean all lenders can offer the best rates to every consumer. Your best bet is shopping around among several different lenders to see which one might offer you the lowest rate based on your credit profile, your income, and where you live. Step 4: Choose a lender and start the process. Once you’ve found a lender who appears to offer the best rates and terms based on your situation, you can move forward with them by filling out a full loan application. However, you may want to spend time comparing estimates from more than one lender, and potentially getting a Loan Estimate from each. This simple document includes the loan terms, how much you’ll owe each month, and the estimated closing costs you’ll be expected to pay to refinance. Getting a Loan Estimate from multiple lenders is the best way to shop around and make sure you’re not overpaying for fees or settling for a new loan with inferior terms. Once you decide to move forward with a lender, you’ll want to lock your interest rate so you are no longer at the mercy of the market. The goal at that point will be closing your loan before your locked rate expires, which should be doable since mortgage mortgage refinance loans take 30 to 45 days to complete. Once you fill out a loan application, you’ll typically need to supply your lender with information required for your home loan. This usually includes two years of tax returns, at least one month of pay stubs, further proof employment or an explanation for any employment gaps, 60 days of bank statements, and proof of any other income you have. Step 5: Prepare your home for the appraisal. Part of the refinance process involves getting an appraisal for your home. After all, you need to be able to prove how much your property is worth before a lender will let you trade out

[ad_1] A Quick Foreword: Although the world is still in Pandemic mode, we are shifting gears back to personal finance mode here at MMM. Partly because we could all use a distraction right now, and even more important because forced time off like this is the ideal time to re-invest in optimizing parts of your life such as your fitness, food and finances. Canadian Readers – we have also collected some recommendations for you at a new Canadian Mobile Phone recommendations page. — Every now and then, I learn to my horror that some people are still paying preposterous amounts for mobile phone service, so I write another article about it. If we are lucky, a solid number of people make the switch and enjoy increased prosperity, but everyone who didn’t happen to read that article goes on paying and paying, and I see it in the case studies that people email me when looking for advice. Lines like this in their budget: mobile phone service (2 people): $160 “NO!!!!”… is all I can say, when I see such unnecessary expenditure. These days, a great nationwide phone service plan costs between and $10-40 per month, depending on how many frills you need. Why is this a big deal? Just because of this simple fact: Cutting $100 per month from your budget becomes a $17,000 boost to your wealth every ten years. And today’s $10-40 phone plans are just great. Anything more than that is just a plain old ripoff, end of story. Just as any phone more expensive than $200* (yes, that includes all new iPhones), is probably a waste of money too. So today, we are going to take the next step: assigning a permanent inner-circle Mustachian expert to monitor the ever-improving cell phone market, and dispense the latest advice as appropriate. And I happen to know just the guy: Christian Smith, along with colleagues at GiveWell in San Francisco, circa 2016 My first contact with Chris was in 2016 when he was working with GiveWell, a super-efficient charitable organization that often tops the list for people looking to maximize the impact of their giving. But much to my surprise, he showed up in my own HQ coworking space in 2018, and I noticed he was a bit of a mobile phone research addict. He had started an intriguing website called Coverage Critic, and started methodically reviewing every phone plan (and even many handsets) he could get his hands on, and I liked the thorough and open way in which he did it. This was ideal for me, because frankly I don’t have time to keep pace with ongoing changes in the marketplace. I may be an expert on construction and energy consumption, but I defer to my friend Ben when I have questions about fixing cars, Brandon when I need advice on credit cards, HQ member Dr. D for insider perspectives on the life of a doctor and the medical industry, and now Chris can take on the mobile phone world. So we decided to team up: Chris will maintain his own list of the best cheap mobile phone plans on a new Coverage Critic page here on MMM. He gets the benefit of more people enjoying his work, and I get the benefit of more useful information on my site. And if it goes well, it will generate savings for you and eventual referral income for us (more on that at the bottom of this article). So to complete this introduction, I will hand the keyboard over to the man himself. Meet The Coverage Critic Chris, engaged in some recent Coverage Criticicism at MMM-HQ I started my professional life working on cost-effectiveness models for the charity evaluator GiveWell. (The organization is awesome; see MMM’s earlier post.) When I was ready for a career change, I figured I’d like to combine my analytical nature with my knack for cutting through bullshit. That quickly led me to the cell phone industry. So about a year ago, I created a site called Coverage Critic in the hopes of meeting a need that was being overlooked: detailed mobile phone service reviews, without the common problem of bias due to undisclosed financial arrangements between the phone company and the reviewer. What’s the Problem with the Cell Phone Industry? Somehow, every mobile phone network in the U.S. claims to offer the best service. And each network can back up its claims by referencing third-party evaluations.  How is that possible? Bad financial incentives. Each network wants to claim it is great. Network operators are willing to pay to license reviewers’ “awards”. Consequently, money-hungry reviewers give awards to undeserving, mediocre networks. On top of this, many phone companies have whipped up combinations of confusing plans, convoluted prices, and misleading claims. Just a few examples: Coverage maps continue to be wildly inaccurate. Many carriers offer “unlimited” plans that have limits. All of the major U.S. network operators are overhyping next-generation, 5G technologies. AT&T has even started tricking its subscribers by renaming some of its 4G service “5GE.” However, with enough research and shoveling, I believe it becomes clear which phone companies and plans offer the best bang for the buck.  So going forward, MMM and I will be collaborating to share recommended phone plans right here on his website, and adding an automated plan finder tool soon afterwards. I think you’ll find that there are a lot of great, budget-friendly options on the market. A Few Quick Examples: Mint Mobile: unlimited minutes, unlimited texts, and 8GB of data for as low as $20 per month (runs over T-Mobile’s network). T-Mobile Connect: unlimited minutes and texts with 2GB of data for $15 per month. Xfinity Mobile: 5 lines with unlimited minutes, unlimited texts, and 10GB of shared data over Verizon’s network for about $12 per line each month (heads up: only Xfinity Internet customers are eligible, and the bring-your-own-device program is somewhat restrictive). Cricket Wireless: 4 lines in a combined family plan with unlimited calling, unlimited

[ad_1] This post may contain affiliate links. Read my disclosure policy here. If you have a child interested in woodworking, don’t miss this discount on the brand new Young Woodworkers Kit Club Box! (And if you’re looking for more kids subscription boxes, be sure to check out Annie’s Creative Girls Club, KiwiCo, and more!) Have a child interested in woodworking or crafts? Ever since we posted about the Creative Girls Club Kit, SO many of you have asked if they might come out with a craft kit for boys. Well, great news — Annie’s now has a brand new woodworking kit that boys OR girls can enjoy! Yay!! If you have a child interested in woodworking or you’re looking for a craft kit that’s not specifically tailored to girls, this kit is for you! The Young Woodworkers Kit Club is a woodworking craft kit series designed for children from 7-12 years of age. These kits introduce a wide variety of woodworking skills including learning to use small screws and nails, becoming practiced in using sandpaper to round off edges, handling a hammer, learning the importance of making careful measurements, and so much more! Kids will make a variety of crafts and toys they can enjoy immediately, and have fun learning as they go! Get 75% off your first Young Woodworkers Kit Club Box! If you want to try this woodworking craft box, you can currently get an exclusive 75% off when you use coupon code SHARE75 at checkout. With this discount, you’ll pay just $4.99 + shipping for your first craft kit — so $10.94 shipped total. These woodworking craft boxes are regularly $25.94 shipped, so this is a great opportunity to try a box at a much lower price! {Note: After your first discounted box, you’ll be charged at the regular monthly price each month after that. But it’s really easy to pause or cancel your membership at any time after receiving your first box. Simply log in to your account and follow the instructions to cancel.} Go here to use code SHARE75 and get your first woodworking craft kit for $4.99 + shipping! [ad_2] Source link

[ad_1] This post may contain affiliate links. Read my disclosure policy here. If you love free magazine subscriptions, don’t miss this HOT freebie deal! Yay!! This deal has finally returned! Get a free one-year subscription to Real Simple magazine right now. Here’s how: Sign up for RewardSurvey. Take a quick survey to get $30 in Reward Points. Redeem your points for a free magazine subscription of your choice — with Real Simple being one of the choices! Skip any additional offers that pop up by clicking the “x” in the corner of the pop-up! You won’t have to give any credit card information and it will be completely FREE. (Psst! Real Simple only costs $10 in Reward Points, so you’ll have an extra $20 to spend if you see another magazine title you’d like to grab for free!) This is a super popular magazine that we rarely see a deal on, and almost never for FREE! Valid while supplies last. Note: This is for new subscribers to Real Simple magazine, only. [ad_2] Source link