Have You Used The Walmart Savings Catcher App?

Walmart Savings Catcher
Just about everyone has a Walmart or a Walmart Supercenter nearby. In fact, 8 percent of every dollar spent in America is spent at Walmart. The store is known for having great deals and saving people quite a lot of money, however, many Walmart shoppers don’t know they could be saving even more cash with the Walmart Savings Catcher app.

The Walmart Savings Catcher App

You know that QR code at the bottom of each of your Walmart receipts? Well, you can scan that using the Walmart Savings Catcher app and save yourself a ton of money! The app takes the information from your receipt and finds the same items in your area at different stores. If other stores are offering the item for less, you receive the difference on your Walmart account. After you’ve scanned the QR code it may take up to 72 hours for your savings to be posted to your account but you’ll be able to use the cash you saved during your next trip to Walmart (or stash it for a larger Walmart purchase).

The Walmart Savings Catcher app is a free app available on iPhone and Android. Once you’ve downloaded it you can scan the QR code on your receipt and begin saving money.

How to Use Walmart Savings Catcher

The app is pretty user-friendly (from my personal experience). Simply go to Google Play or the App Store and download the app and begin scanning your receipts.

The QR code that you’ll be scanning is located at the bottom of your Walmart receipt. It is easiest to do this right after you’ve been shopping but you can scan receipts up to a week after you’ve made your purchases. For example, if you made your purchase on February 1 you can scan the QR code in the Walmart Savings Catcher app up until February 8.

Once you’ve gotten your receipts scanned into the app, Walmart Savings Catcher does the rest. You’ll receive a notification when you receive cash from the Savings Catcher and you can have it added to an eGift card to use in-store or online.

More Information About Savings Catcher

Walmart Savings Catcher
Now that you’re caught up on what the Walmart Savings Catcher app does and how you use it, there are a few other things people commonly ask about the app. According to the Walmart Savings Catcher website, these are some of the most frequently asked questions:

  • What type of promotions does Savings Catcher include? The Walmart Savings Catcher honors any BOGO deals that has the price is listed in the competitor’s ad. It will also honor any sales prices from other top retail stores (no locally-owned stores though). However, it will not honor any BOGO deals without a price listed in the ad, percentage off entire section deals (ex. 40% off all women’s clothes), closeout sales or competitor-specific deals.
  • Can you use Savings Catcher online? No. The app can only be used for in-store purchases.
  • Can you still use coupons? Yes! In fact, Walmart compares the price before the coupon is applied.

Customer Service for the Walmart Savings Catcher App

Although I’ve not had any issues with the Walmart Savings Catcher app, some people have had some trouble. There have been a number of reviews citing issues with the app. Worst of all, it seems if you need to troubleshoot the app, customer service seems to be scarce. Here are a few tips on how to troubleshoot the app:

  • If the app is down you can access your personal Savings Catcher account on the website. If you need to upload a receipt you will have to manually enter the code.
  • Delete the app and re-download (sometimes you have to do this to get it to work).
  • Give it some time. Servers can get crowded. Wait a little while and the issue may resolve itself.
  • If you’d like to speak to a customer service rep about the app, you can call the customer service line at 866-224-1663. or start a chat online.

Even with its hiccups the Walmart Savings Catcher app is totally worth it. Give it a try! You’ll likely recognize savings the first time you try it.

Have you tried the Walmart Savings Catcher app? 

Photos: The Motley Fool and Deal Wise Mommy

The Next Housing Crash: When It’s Coming and How to Protect Yourself

housingcrashWhile the shockwaves of the 2007-08 recession continue to reverberate, for the most part, the American economy as regained its feet. Unemployment is down, consumer spending is up, and house prices and interest rates have surpassed where they were pre-recession.

However, while most Americans revel in the positive economic developments, many market experts are concerned over potential warning signs of economic disaster to come. For one, housing prices haven’t merely recovered; they have skyrocketed in recent months, perhaps revealing another housing bubble. Worse, some lenders have fallen back on dangerous mortgage practices, such as accepting exceedingly low down payments and approving ludicrously low credit scores.

In truth, the housing market endures cycles of high and low mortgage prices that last roughly 18 years. If the market follows a pattern that has lasted more than 200 years, we can look forward to a few more years of market expansion, followed by a brief hypersupply phase where construction overshoots demand, and finally another recession. In 2024, there should be another housing bust ― but the impact of that bust depends on how lenders and buyers behave during the booming interim.

Financial experts are all but predicting another market crash, which could devastate homebuyers and homeowners. Fortunately, there are methods you can take to protect your property from the crisis to come.

Have a Stable Job

One of the most fundamental requirements to qualify for a mortgage is income. Trustworthy lenders scrutinize your taxable income to determine whether you have reliable and sufficient money coming in to pay for your home loan. It is possible to acquire a mortgage without stable income, perhaps by applying for “no documentation” mortgages, having a co-signer, or accepting excruciatingly high interest rates, but it is financially safer to find a steady job before buying your home.

Further, an established job is less likely to disappear during a slow economy ― especially if you develop a career that is indispensable regardless of the economy’s health. For example, retailers suffered greatly during the recent recession, and many retail workers lost their jobs; meanwhile, nurses, auto mechanics, IT professionals, and similar skilled workers maintained their income because people continued spending in those fields. Not only will your stable job keep your home secure, it will keep you employed and earning while the housing market does backflips.

Cultivate Your Net Worth

Similarly, having a higher net worth will keep you solvent during an economic downturn. Should your job prove non-recession-proof, you should be able to pull from other assets, such as savings accounts, to pay your mortgage and retain your home. A high net worth is less fragile than income ― and it is more fun, too.

To cultivate your net worth, you should make strong financial decisions when you have the income and market stability to do so. Those who build high net worth tend to boast the same few habits:

  • They live frugally within their means.
  • They grow emergency funds. At the least, your emergency fund should be able to pay three months of basic living expenses.
  • They pay down their debts, starting with the highest interest first. You might consider refinancing or seeking a NJ home equity loan to reduce your debt faster.
  • They work to increase their immediate income, taking side jobs or seeking raises.
  • They invest their money in long-term index funds. Day trading might seem to offer higher rewards, but it is much riskier than carefully managed, slow-growth funds.

When the housing market does crash, your high net worth will provide a cushion to keep you living comfortably despite disconcerting economic behavior.

Make a Down Payment

It might seem like a waste of money to make a down payment when so many lenders do not require one but down payments are as beneficial to homebuyers as they are to lenders. For one, making a down payment of at least 20 percent allows you to dodge private mortgage insurance, which would increase your monthly payment. In fact, the more money you can put in your down payment, the better, since you will never need to pay interest on that amount. Then, when the housing market turns, you will have a lower monthly mortgage payment and be that much closer to owning your home outright.

Buy Small, Pay Less

Few homeowners truly need as much space as they believe. Instead of looking for a four-bedroom, four-bath for you and your significant other, you should buy a smaller home that better suits your immediate needs. Smaller properties are more recession-proof for dozens of reasons: They cost less initially, and they demand lower insurance payments, taxes, maintenance fees, utility usage, and décor purchases. With a smaller home, you have more money to use to increase your net worth, and you will be less likely to default during the next market crash.

Tai Lopez’s Net Worth

Tai Lopez's net worth

Have you heard of Tai Lopez? He’s joined the ranks of other popular internet sensations out there and he’s become a millionaire doing so.

The bulk of Lopez’s earnings have stemmed from his use of social media and work he’s done on the web, however, there’s been some speculation as to whether he’s a scam or not. His videos are viewed more than 200 million times a year and he’s been able to make millions of dollars. So, what is Tai Lopez’s net worth and how is he making all the money?

What is Tai Lopez’s Net Worth?

The exact amount of Tai Lopez’s net worth is difficult to find. It is estimated to be between $3 million and $7 million, not shabby for someone whose got his claim to fame from a Youtube series. A simple Google search won’t give you a lot of information on the internet star though and it isn’t really known how he’s come across all that cash.

Lopez has been doing what he can to keep his personal life, including his finances and even his age, under wraps. Even the names of his businesses that are earning him millions haven’t ever been released. There are a few things we do know about Tai Lopez though.

Tai Lopez’s net worth has stemmed from a number of things, including:

Advertising on his Youtube channel His “67 Steps” audiobook Online courses about social media You have to pay for his good content (the free stuff isn’t great)

How is Tai Lopez Making Millions?

Tai Lopez's net worth

Now that you have a basic idea about who Tai Lopez is and theories on how he makes his money we come to the juicier part of discussion. Many people have debated as to whether or not Tai Lopez is a scam. So, is he?

It is difficult for internet entrepreneurs like Lopez. He seemingly became popular overnight, which can make people hesitant on whether or not they can trust them. Think about it, some of the most successful businesses are successful because they’ve been around and been reliable for years. The answer, however, is that Tai Lopez is not a scam. Many sources claim that Lopez is a legitimate business man with a great social media strategy. In fact, many of his SoMe students have made their money back and then some from his courses.

Internet stars are popping up every day but not every one of them reaches Tai Lopez’s net worth. The virtual entrepreneur isn’t going to be slowing down any time soon either. His net worth will likely continue to increase in the coming years as web-based businesses continue to grow.

What do you think of Tai Lopez’s net worth and his business? Do you think it is a scam?

Photos: Youtube and Google

Eight Tips for New Drivers

7979445278_8421c8c3cb_zYou’re delighted to have passed your driving test; who wouldn’t be? However, this is only the start of your career as a driver and only the start of a lifelong learning curve. The uncomfortable truth is that you’ll have a lot of learning to do – one in five new drivers in the UK gets involved in a crash within a year of passing their test. One in three drivers killed in accidents is under the age of 25, even though only one in eight drivers is under 25.

If you’re wondering how to drive safer sooner, then these tips will help you. Read them and pass them onto a friend who’s recently passed their test – you may both be grateful!

You passed – so start another course

Extra driving courses, like Pass Plus, can give you more skills and knowledge, as well as expose you to less-than-favourable driving conditions. You’ll learn how to drive at night, in heavy rain, busy traffic, motorways and congested city centres. Not only can a course like this equip you for real driving, it could lower your insurance premiums.

Become familiar with your car

Don’t just get in and drive your car; spend some time in it, fiddling with the buttons, looking at the dashboard lights, finding the hazard button… If you build up a “body memory” of these controls, you’ll find it easier to use them in a big hurry.

Become a boy (or girl) racer for the day…

…by going on a racetrack day. You’ll be in a safe environment and you’ll get to find you how your car handles at high speeds, which is nothing like an F1 car! Going on a track day means you can satisfy your need for speed without needing motoringoffencelawyers.com because you’ve been pulled over.

Make sure that the boy-racing tendencies aren’t transferred onto normal roads. Drivers who reach 6 points within two years of passing their test have their licences revoked which means having to do the dreaded test again.

Always check your blind spot

Your mirrors are useful, but they can’t show you what’s just outside your peripheral vision. Your blind spot is big enough for a bike or another car, so ignore it at your peril. Check it every time you change your lane or make a turning.

Always look out for other drivers’ blind spots

Not all drivers are smart like you and they don’t check their blind spots when changing lanes or turning. Assume they haven’t and stay where they can see you in their mirrors.

Drive in the left lane

Not many people know this, but the left lane of the motorway is for regular driving and all the others are for overtaking. Highway Code 238 states this clearly and the police now have new powers to impose spot fines on middle lane hogs.

Try driving in bad weather

OK, you won’t like it, but you will encounter sleet, driving rain or ice at some point, so be proactive and meet it on your own terms. You’ll feel a wet road surface and adjust your driving style to cope with it. Bring an experienced driver along with you if necessary, until you feel confident to try it out on your own.

Put that phone down!

It’s illegal, and for good reason. You can’t talk or text on the phone and drive safely at the same time. You just can’t. Even hands-free is a bit dicey as it takes up a lot of mental space. Just don’t do it.