Wise Bread (Lynn Truong)

We Are Hiring A Senior Credit Card Editor

Lynn Truong — Fri, 12 Aug 2016 21:19:21 +0000

Wise Bread is looking for an exceptional editor to help us create the best credit card articles in the world. Our award-winning content is syndicated to outlets like Yahoo, US News & World Report, Time Magazine, and Kiplinger.

The position is full-time, with great full benefits and very competitive compensation. You’ll be working from home but will get plenty of support (and dog selfies) from our friendly and tight knit staff via online chat rooms.

Duties Include:

Come up with compelling, consumer-centric credit card article ideas
Recruit, manage, and coach a talented stable of freelance credit card writers
Write compelling headlines and blurbs
Educate writers and staff on latest credit card industry news and regulations
Analyze metrics and feedback from syndication partners.
Respond to media inquiries regarding credit cards

Required Qualifications:

Minimum 2+ years experience editing credit card articles and managing credit card writers.
Strong expertise and ongoing self-education on all consumer credit card issues.
Understanding of the strict compliance issues related to credit card content.
Ability to write friendly-sounding, easy-to-digest, credit card articles. Ability to teach writers to do the same.
Detail oriented with a passion for accuracy.

Preferred Qualifications:

Four-year college degree with formal journalism training and/or degree.
Familiarity with SEO, affiliate marketing, A/B testing, click tracking, and similar tools.
Experience with media appearances or relationship with top news media outlets.
Working knowledge of AP style, html, and online content management systems.

About Wise Bread

Founded in 2006, Wise Bread is the largest independent personal finance blog with over 2.5 million pageviews a month. We’ve won Best of the Web awards from PC Magazine, Kiplinger, MSN, and the AARP.

Benefits

Full health, dental, and vision benefits, 401(k) with company match, flexible schedules, generous home office reimbursements, paid holidays and vacations, maternity leave, and ability to work in your pajamas!

Why You'll Want to Join Our Team

We work at a flexible pace with no crazy deadlines or “pageview goals” for our editors. Focus is on creating helpful content we can be proud of.

We are a strong team of happy employees who love working with each other. We work together closely and communicate openly. Perhaps that’s why we have the lowest turnover rates in the industry!

To Apply

Email recruiting@wisebread.com with the subject heading: Senior Credit Card Editor.
Include resume and relevant writing samples (links preferred over attachments).
Briefly describe your process/philosophy for coming up with credit card article ideas.
Provide 3 credit card article ideas you think are helpful, compelling, and unique.

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 Credit Mistakes That Could Hurt Your Mortgage Application

Lynn Truong — Tue, 18 Aug 2015 11:00:00 +0000

Sponsored by Chase Mortgage Banking. Review their resources to help you find and finance your home.

See more ways you can improve your credit score today.

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Wise Bread Is Hiring An Editorial Assistant

Lynn Truong — Mon, 16 Feb 2015 12:00:06 +0000

Wise Bread is expanding our editorial department to accommodate the growth of the site. The site is run by a small, close knit team. We offer flexibility in hours and plenty of opportunity to expand your role based on your interests and strengths. This is a telecommuting position.

We are looking for an Editorial Assistant to help produce our daily articles.

Duties

Processing writer drafts (formatting and copyediting according to our style guide before passing to the editors for review).
Uploading final drafts into our CMS (Drupal).
Choosing appropriate images for each article.
Keeping track of our editorial calendar and scheduling articles accordingly.
Collecting stats through Google Analytics on article performance.
Helping the marketing team promote articles through social media.

Required Qualifications

Familiarity with a content management system (like Wordpress or Drupal) and experience with WYSIWYG editors.
Understanding of basic html. You should know tags like [a href] and know why open tags are bad.
Detail-oriented and ability to work from home with no direct supervision.
Proficient in Google Office Apps like Gmail, Calendar, and Docs.

Preferred Qualifications

Passion for social media, especially Pinterest.
Familiarity with photo editing using Photoshop.
Internet junkie who knows the latest memes and trends before 99% of your friends.

To Apply

Email recruiting@wisebread.com with the subject heading: Full or Part Time Editorial Assistant.
If you have social media expertise please include links to social media channels.
If you have writing samples, especially those that are similar to Wise Bread's topics, please include links to them.
Describe any experience using Google analytics, and describe which metrics you believe to be the best indicators of an article's performance. Indicate your availability and number of hours per week you can work.

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Capital One 360 Black Friday Sale: Get $100 When You Open an Account

Lynn Truong — Sat, 29 Nov 2014 05:21:26 +0000

NOTE: This deal has ended

4 Days Only (November 28-December 1): For their Black Friday Special, get $100 when you open a fee-free 360 Checking Account (with a $250 minimum deposit) and make 5 Debit Card purchases or 5 CheckMate deposits or any combination of the two within 45 days. This is an interest bearing checking account!

Go here to learn more and sign up for a 360 Checking Account.

You can also grab $100 when you open a 360 Savings Account with a $1000 minimum deposit. The bonus starts earning interest on day 1, but you can’t take it out for at least 30 days.

Go here to learn more and sign up for a 360 Savings Account.

Sales ends 12/1!

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Ultimate Gift Guide: Thoughtful Ideas for Every List and Every Budget

Lynn Truong — Thu, 27 Nov 2014 10:00:08 +0000

Do you have your shopping list ready? Are you checking it twice? And are you at a loss for what to get your friends and family? Instead of wandering the busy mall hoping for inspiration, we’ve got hundreds of gift ideas for everyone on your list, no matter what your budget. (See also: 5 Steps to Stress-Free Holiday Giving)

25 Gifts That Save Money

Want to go a step beyond gifts that are useful? Every single one of the items on this list can help save money. Now THAT is a gift that keeps on giving.

31 Great Gifts that Keep on Giving

Don't give something that'll end up in the junk drawer. Instead, try one of these creative gifts that will be appreciated for months (or even years!) to come.

25 Awesome, Useful Gifts

Eliminate the phrase "it's the thought that counts" by giving one of these awesome, useful gifts.

25 Thoughtful and Frugal Personalized Gift Ideas

You don’t need to spend a fortune to show someone you care. Find something cool to give in this collection of affordable personalized gift ideas.

Unusual Gift Ideas for a Memorable Holiday Season

Every year I struggle to find meaningful gifts for relatives that they will appreciate instead of adding to the clutter of "stuff" they own. Here are a few of my favorite ideas.

How to Buy Art as Gifts

Beautiful original art doesn’t have to be expensive. Often, it costs no more than you’d spend on a sweater at the mall or a gift certificate for a nice restaurant. In other words, entirely within many holiday gift budgets.

9 Useful Kitchen Gifts

There some kitchen items that have become part of my life in the past year that I now can't live without, that would make great gifts.

10 Great Gifts From the Thrift Store

This year, lessen your carbon footprint, support your local economy, save money, and give to charity all at the same time — buy gifts at the thrift store. (See also: 10 Things to Look for at a Thrift Store)

10 Last-Minute Gift Ideas for Under $15

Find the perfect gift in the nick of time, with 10 last-minute gift ideas that cost less than $15.

25 Great Gifts for $5 or Less

Need some non-crafty, hardly homemade gift ideas, all for less than $5? Here are 25 with something suitable for nearly everyone on your gift list.

20 Great, Free Gift Ideas

You don't need money to give great gifts — instead, give the gift of your time with one of these thoughtful ideas.

14 Gift Ideas for the Truly Broke

The holidays are already upon us, and some of us are completely and utterly broke. Here are a few ideas for time and skill-related gifts that you can give to friends and family, and maybe even acquaintances.

10 Gift Ideas That Cost Almost Nothing

We all love to give gifts, but sometimes tight budgets make it difficult. Use these ideas to give thoughtful gifts without spending much — or any — money. (See also: Holiday Shopping at the Dollar Store)

25 Gifts You Can Make Today

There's still time to craft an affordable, meaningful homemade gift with one of these 25 awesome ideas.

10 Homemade Liqueurs to Bottle for Tasty Gifts

Infused alcohols, or liqueurs, are easy to make at home and are always welcome gifts.

15 Delicious Gifts You Can Bake

Holiday baking is a sweet tradition, and you'll find plenty of traditional holiday baking ideas here, plus a few new ones for some sweet holiday surprises.

7 Savory Food Gifts

I love sweets, but by the time December gift-giving comes around, I can feel my cavities forming. Here are some savory alternatives to traditional sugary gifts.

Gifts for the Person Who Has Everything

It’s always hard to have a person on your list who has everything. Here are some gift ideas for just for them.

20 Gifts for the Guy Who Has Everything

What do you get for the guy who seems to have everything (or, at least, wants almost nothing)? Check out this list of practical and experience-based gifts.

20 Gift Ideas for Your Co-Workers

Bonus or no bonus, the gifts in this guide to giving to co-workers won't break your holiday budget. (See also: Frugal Office Party Foods)

21 Perfect Holiday Gifts for Book Lovers

It's hard to buy a book lover the right book. These bookish gifts, some for reading, some to make reading easier, are bound to please your bibliophiles.

10 Gifts for Your Boss

Buying a gift for a boss will make them feel appreciated, which they're sure to reciprocate.

20 Great Gifts for Home Cooks

The best thing about giving cool, thoughtful kitchen gifts to the avid home cook? The delicious home cooked gifts you'll enjoy for years to come.

10 Great Gifts for Teachers

No more apples, mugs, or other unwanted gifts. This year, consider one of these 10 winners, all suggested by teachers.

15 Great DIY Gifts for Geeks

Whether your geek is into comics, Star Wars, Lego, or steampunk, you can make a cool, thoughtful gift they'll love once for being DIY and twice for being nerdcore.

8 Gifts the Man in Your Life Really Wants

Truthfully, no man wants a cardigan for Christmas. Here are some surefire gifts to make the men in your life smile.

10 Holiday Stocking Stuffers for Techies

Stuff your favorite techie's stockings with some of these great gadgety gifts.

9 Gifts to Give the Neighbor You Like

If strong fences make good neighbors, what do great gifts make? Give a couple of these this holiday season and find out!

20 Fitness Gifts for $15 or Less

From cyclists to swimmers, find great (and inexpensive!) gifts for the fitness-lovers in your life.

Like this article? Pin it!

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Read This to Maximize Your Rewards and Cash Back This Holiday Season

Lynn Truong — Fri, 21 Nov 2014 11:00:05 +0000

Tis the season for shopping, and for most of us that means swiping some plastic. Did you know that choosing the right credit card for your purchases is more important than ever during the holiday season? This is when you spend more than you usually do, which means that you can rack up more rewards than you normally would. Does your go-to credit card offer bonus points for grocery shopping? At department stores? For gas? It's time to find out!

Here's a step to step guide on organizing your credit cards so you are armed with the one that will help carry the budget burden. (See our picks for the best credit cards for the holidays)

1. Review Your Credit Card Terms

Do you even know which credit card offers cash back and which one only offers points for travel redemption? Take out your credit cards, and go into your card's rewards terms. Write down what each card offers. (See also: How to Get 5% Cash Back on Holiday Purchases)

2. Compare Against Your Gift List

Now that you know which cards offer what rewards, look at your gift list to see if your cards offer rewards for the purchases you are planning to make. Consider other purchases you might need to make, too, like travel arrangements or extra grocery shopping for all the people staying at your place for a week.

3. Choose Cards Based on Bonus Rewards

Use the credit card that offers bonus rewards on purchases. For example, use the 3% cash back on groceries credit card when you buy groceries. Use the card that gives you double points on travel purchases when you reserve your flight to your in-laws'. (See also: 5 Best Travel Rewards Credit Cards)

4. Use Their Shopping Portals

Look at your list again. Are there any stores that you can buy your gifts at that are partnered with your credit card's shopping portal? Many card issuers have their own shopping portals where they give bonus rewards if you shop through there. The shopping experience is the same — you just have to go to their portal first, then click through to the store you want. Some cards offer up to 20% cash back if you shop via their portal (and use their card).

5. Look for Bonuses

After you've figured out which cards offer bonus rewards for the purchases you need, it's time to decide which card to use for the rest of the purchases. Most cards offer 1% cash back or 1 point for other purchases, and you might think that means it doesn't matter which card you use for them, but you'd be wrong. Some cards offer bonus rewards on your rewards. So if you racked up 5000 points in a year, a card might offer an extra 10% on top of that, so you'd get an additional 500 points. You'd want to use that card for all your other purchases.

6. Get Protection for Your Purchases

One final thing to consider when choosing the credit card for your holiday purchases are the additional benefits a credit card may offer. These benefits often include extended warranty, price protection, purchase protection, and return protection. When it comes to holiday shopping, these perks may be worth more than any extra rewards or cash back. (See also: 11 Ways Your Credit Card Will Save You Money While Holiday Shopping)

Do you try to maximize your rewards during holiday shopping? Please share your tips and tricks in comments!

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

ENDED: One Year Amazon Prime Offer with Credit Cards

Lynn Truong — Wed, 29 Oct 2014 06:45:01 +0000

Note: This offer is currently unavailable.

If the Amazon Prime price hike made you cancel your membership or change your mind about signing up, here's a way for you to get one year without the fee. Sign up for one of these credit cards and get one year (plus additional rewards) after spending $1,000 within the first three months:

THIS DEAL HAS ENDED

If you haven't already heard, there are great reasons to sign up for Amazon Prime, beyond just the free two-day shipping, which is great. Free books, music, and unlimited streaming of tv shows and movies make the $99/year more than worth it. I didn't think twice about renewing after I heard about the price hike. I use Amazon Prime services every single day.

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

ENDED: Get Up To 8% Cash Back Shopping at Whole Foods (Limited Time Deal!)

Lynn Truong — Mon, 20 Oct 2014 18:40:11 +0000

NOTE: THIS OFFER HAS ENDED

Shopping at Whole Foods can definitely put a dent in your wallet. We've offered suggestions before on the best ways to save at Whole Foods. We also have a list of our favorite credit cards for supermarket savings and cash rewards!

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Wise Bread Is Hiring a Senior Editor

Lynn Truong — Tue, 09 Sep 2014 21:21:06 +0000

We are looking for someone with an exceptional eye for creating and curating finance themed content that is both viral and helpful.

Your main goal is to help us create content that will generate thousands of social media shares per article, and make such articles so helpful that they compel visitors to bookmark/subscribe to Wise Bread.

You must have a strong nose for appealing web style and copy, be efficient, organized, and responsive. You must be comfortable working with several types of content formats, including text, videos, photographs, and infographics.

A background or expertise in personal finance is strongly preferred.

Your Duties

Research and find ideas for helpful and viral content appropriate for our audience.
Review and shape our articles (including creating compelling headlines) to be more social media shareable, and training our writers to do it.
Make connections with other sites, editors, and authors to help promote our content to the appropriate audience.

To Apply

To apply for this position, email recruiting@wisebread.com with the following:

Subject Line: Part Time Senior Editor
Resume and Rate
List five helpful viral article ideas about personal finance (e.g., credit cards, budgeting, mortgages, investing, etc.). We want specific article ideas with titles. The titles should grab a reader's attention, and the content should be useful and valuable. We're looking for creative ways to make personal finance irresistible.
Below is a list of some of our most popular articles. You can use these formulas to come up with finance focused ideas, or come up with your own.

How to Travel Full-Time for $17,000 a Year (or Less!)

10 Body Language Mistakes That Sabotage Most Interviews

8 Overpriced Grocery Items to Skip

17 Things Car Salesmen Don't Want You to Know

6 Great Alternatives to Remodeling Your Home

15 Essential Life Hacks That Will Save You Time in the Morning

10 Monthly Bills You Can Slash

5 Kitchen Luxuries That Are Worth It (and 5 That Aren't)
Link to five articles that you have worked on that were (or should've been if given the chance) big social media hits. Feel free to share more than five. Please explain your role (e.g. how did you promote it?). We would like to see various types of content (shorter "blog" posts as well as long form journalism pieces).
Create a more clickable and shareable title for the following three Wise Bread articles:

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

9 Tools That Create Hours of Free Time a Week

Lynn Truong — Mon, 07 Apr 2014 10:49:01 +0000

Sponsored by Skype — Use Skype Credit to call mobiles and landlines home and abroad at low rates.

Most of us are busy — and probably busier than we’d like to be. Between work, family, friends, staying healthy, and having fun, there’s just so much to do! Thankfully, technology offers several great ways to save you time. In fact, not only do the tools below save you time, but they save you time on some of the tasks you probably like the least. Read on to discover how you can be saving hours a week.

1. Shoeboxed

While I love the idea of making my office paperless, I just don’t have the time to scan every single important piece of paper that comes my way. That’s why Shoeboxed is so great. You can send off your documents (in a prepaid envelope), and the nice people at Shoeboxed will scan, categorize, and organize all of your documents for you. You can also shoot them online receipts and confirmations via email or through their app. That way, everything is gathered and organized for you in one place when you need it. No more panic time during tax season. It’s time to go paperless!

2. Boomerang

Devoting time to email every day is part of life — and sometimes, even just managing and organizing your email can take up a significant portion of your work day. But what if you could cut down that time with a simple, easy-to-use tool that makes it easier to manage those emails?

That’s where Boomerang comes in. Boomerang does a few things:

If you need to send an email at a specific time, you can write an email now but schedule it to be sent later.
If you’re not ready to deal with an email right now, you can have Boomerang send it back to you when you need it.
If you’re waiting on a response, you can set Boomerang to remind you if no one responds, so you never forget to follow up.
You can schedule Boomerang to send you a email reminder for anything — birthdays, anniversaries, or dreaded bill due dates.

There’s no need to clutter up your inbox with emails that you can’t do anything with just yet. Schedule a message with Boomerang, and you’ll be reminded only when it matters.

3. Unroll.me

Email subscriptions can be useful — they can help you learn new things, save money on things you would normally buy, and keep you up-to-date on the world. But if you feel like it takes too much time to read all of these individual emails, Unroll.me can help — the service gathers up all your subscription emails into one daily message. Your subscription emails will be filed away, too, so they don’t clutter up your inbox, and you still get a chance to read them through the daily digest.

See anything in there no longer care to read? Unroll.me makes it easy to unsubscribe too.

4. Glympse

Ever have a meeting with someone, they’re running late, and you’re wondering where they are? How about if you’re going out with a group, and you’re separating for a while and need to meet up again at a designated spot? Glympse takes all the “Where are you?” and “Be there in x minutes” texts and calls away.

Instead, Glympse allows you to share your location with anyone for a specific period of time. The people you’re meeting up with can check your location using a smartphone, tablet, or computer. You can turn off the location share at any time, or it will just expire after the designated time.

This is especially great if you’re waiting for someone. If you can see that they’re still a half-hour away, you have time to run errands or do other things that you need to do, instead of just waiting around doing nothing.

5. Swiftkey

If you own an Android phone and have ever felt frustrated because it takes so long to tap out a message, get Swiftkey! Instead of typing out each letter, Swiftkey allows you to flow from one letter to the next, letting you write whole phrases without lifting a finger. Even if you are slightly inaccurate, the app will correct it to the right word. It can even predict what you are going to write before you finish (by learning how you write).

6. Sleep Trackers

Sleep tracker apps help you get in touch with your circadian rhythm and make sure you’re going to bed and waking up at optimal times. More efficient sleep means you don’t waste time tossing and turning or feel groggy because you wake up in the middle of a sleep cycle. Depending on which smartphone you have, you can find a good app that will track your movements and give you tips on when and how to sleep. Some of these apps also have added features of gentle alarms and sleep logs. Here’s a review we did on sleep tracker apps earlier this year.

7. Evernote

Have you ever written down a great idea, then had to shuffle through piles of paper or flip all the way through an old notebook to find it again? It’s a huge time waste.

Now, imagine a notebook that contains all your notes for various projects, reminders, and ideas — even a journal. But the key to this notebook is that is searchable, and it’s accessible from computer, tablet, or smartphone, and even shareable. That’s Evernote.

You can put everything you need, from webpages to snapshots to text notes, all in one place. You can even record audio! You can place them in separate folders (or notebooks) — or not — it’s all searchable anyway.

8. Skype

Skype is my favorite communication tool. I use it daily for work and at home. It’s the simplest and cheapest way to stay in touch with friends and family, especially if they’re out of the country. I love Skype’s online status notifications, which tells you if the person you want to contact is available before you even call them.

Skype video calls can save you a lot of time. Some things are just easier explained over a video call. You can use video calls to do anything from helping your husband pick out the best tie while on a business trip, to helping your hapless single friend decide if that three-day old meatloaf is still edible.

Skype also offers Skype Credit, which allows you to use Skype to call mobile and landlines worldwide at low rates. Skype Credit’s best time-saving features include:

The ability to send SMS messages directly from your computer. This is great for us non-teenagers who prefer to type on keyboards instead of struggling with smartphones.
Connect to Skype Wifi at over 2 million spots worldwide. You can conduct business while on the go without worrying about missing deadlines.
Set up call forwarding to a mobile or landline of your choice, so you don’t have to worry about missing any important calls from the office.

9. LastPass

How many times have you forgotten your password for a site you haven’t visited in a while? This used to happen to me when I logged into my various financial accounts each month to pay my bills or access my statements. After trying several times, I’d have to hit the “reset password” button, go into my email, click the link, and reset the password before I could get to what I needed to do. Even worse was when I maxed out the tries and had to make a phone call to unlock my account. Not only did it take time, but it totally derailed me from what I was doing. Now that I have LastPass, however, that will never happen again.

The best thing about LastPass is how easy it is. Just log in to an account, and LastPass will prompt you to save the password, which it keeps secure. You can also share passwords (without actually sharing the actual password) with someone else, if you need to give someone access to your accounts. Then delete them when you no longer want to share access.

LastPass also has features that allow you to create secure notes and files, as well as create backups of your sensitive documents.

Sponsored by Skype — Use Skype Credit to call mobiles and landlines home and abroad at low rates.

Like this article? Pin it!

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Introducing Our New Deals Editor, Carrie Rocha from Pocket Your Dollars

Lynn Truong — Wed, 05 Mar 2014 20:06:54 +0000

We are very fortunate to be able to welcome to our Wise Bread team, Carrie Rocha, as our new Deals Editor. Many of you may already be familiar with her name, from her popular site, Pocket Your Dollars, or her book, Pocket Your Dollars. Here are a few get-to-know-Carrie questions as well as reasons why you must follow our Daily Deals, if you haven't been already.

How long have you been a deal hunter?

Deal hunting is in my blood. Growing up, my parents owned a successful consignment shop. Many times I saw my dad haggle the price he paid for antiques and other merchandise he was buying to re-sell. He never shopped without a coupon. He taught me to hunt deals.

Unfortunately, I abandoned my dad’s frugal ways during my college and early adult years. It was only after my husband and I amassed $50,000+ in debt that I had a change of heart. Starting in June 2006 my husband and I worked hard to pay off our debt while simultaneously working to avoid future debt.

During the years it took us to repay our lenders, my deal hunter instincts resurrected. I hustled to find every possible way to reduce my family’s expenses. Hunting deals was part of that. Those skills helped us pay off that $50,000+ in debt in exactly 2.5 years.

Then, when we became debt-free, with the exception of our mortgage, friends and family started asking me to help them find deals. They wanted help with everything from groceries to shoes and concert tickets. To help meet their need I started a blog in March 2009, PocketYourDollars.com, to publicly share deals and money-saving advice. By January 2010 I was a full-time deal hunter for Pocket Your Dollars (yes, it is the best job in the world).

How do you decide what the best deals are every day?

To be considered a “best deal” a sale has to be one or more of the following:

So cheap it’s free. From free food to free-after-rebate items, I’ll help you get some cool stuff without spending a dime.
The lowest price we’ve seen. I’m an obsessive price tracker so you don’t have to be.
A seasonal low price. Some things always hit their best-ever sale price at certain times of the year – like Black Friday or back-to-school season. But, since we may still need some of these things at other times, I’ll watch for the best price of the season, then tell you about it. (Did I mention that I’m an obsessive price tracker?)
70% off or better. Some things are always on sale somewhere – clothes, shoes, gift items. In that case, I don’t consider it a great deal until it’s at least 70% off its retail price. (And, I know that retailers sometimes increase the regular price of an item just to make the sale price look like an even better deal. Don’t worry, I won’t fall for that.)

On top of that, the sale has to be for items that have a 4-star, or better, rating.

Where do you find these deals?

I start in my inbox. I get almost a thousand emails every single week, from retailers large and small, letting me know about their current and upcoming promotions.

I have price alerts set up for some of the most popular products. If something goes on sale, then I know about it. (That’s a reason it’s important for me to get to know you. What are you shopping for right now? I’ll keep an eye out for you, if I know.)

I scour the web. I am relentless in my pursuit of the best value. Cheap isn’t always better. I hunt for the best price on quality products.

Where else can we find you online?

Besides being here at Wise Bread every weekday, you can find me at my own website PocketYourDollars.com. I’m also on Facebook, Pinterest and Twitter.

I also wrote a book about my family’s journey out of debt. I believe our successful transition to a debt-free life is rooted in a set of internal attitude changes, not in a magic budget worksheet. You can get my book, Pocket Your Dollars: 5 Attitude Changes That Will Help You Pay Down Debt, Avoid Financial Stress, and Keep More of What You Make, on Amazon.

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

My Experience with Discover Home Loans: Great Service and Rewards Programs

Lynn Truong — Thu, 30 Jan 2014 16:00:06 +0000

Last March, my husband and I bought our dream house. Seriously, I love this house, and I’m never moving. When we started looking, I had no idea what a process it was to buy a house — the roller coaster ride of emotions when you’re trying to decide whether to bid, the waiting period after you do bid, the counteroffer and another waiting period, and then 30-45 days of escrow!

After going through that ordeal, I feel like a pro who knows all the ins and outs of the mortgage loan process, and that’s mostly due to the great experience I had at Discover Home Loans. Since my husband and I bought our house, I’ve felt confident to advise several of my friends on the details of the process.

When we decided to look for a house, the first thing I did was hit up Lending Tree, a service that matches you with prospective lenders, because I just didn’t know what else to do, or how else to find a bank to service our loan. Mike from Discover Home Loans was the very first one to call — within minutes!

Personalized Experience

I was pretty clueless when I talked to Mike. He asked me basic questions like how big of a loan I needed, how much money did we have to put down, what area were we looking to buy in, etc., and I didn’t have the answers. He was patient, though, and walked me through the process, taking the time to explain all my options and how to assess what we could afford. He also asked for our financial documents to get everything started. At the end of that one conversation, I already felt like I knew so much more about the loan process.

Mike also directed me to Discover’s online tools, which helped tremendously because I like to read up on everything. They have a very helpful mortgage affordability calculator as well as a comprehensive Home Buyer’s Handbook.

Lightning Fast Responses

It took several long months before we finally found our dream home. However, I was in constant contact with Mike as we started to make bids. He made sure I always had the paperwork I needed from him (prequalification letters) for the specific amount based on our bid. When our bid finally got accepted and escrow officially began, Mike got the ball rolling immediately. Since the buyer’s bank is responsible for the appraisal, it was crucial for Discover to get the order out immediately. The appraisal was going to determine the maximum amount we could borrow. The appraiser was out there within three days, and we got the report a few days later.

Discover Streamlined My Complicated Loan Application

Once that was done and the loan amount was set, everything had to go to underwriting (the place where our application and financials are reviewed with a fine tooth comb to decide whether or not the loan should be approved). We weren’t an easy account to work with. I had my own company, we were receiving monetary gifts from family, we were taking a loan out of my husband’s 401(k), and the rest of our down payment was coming from multiple accounts (my husband and I don’t have shared accounts). But because Mike had already started gathering our financial statements ahead of time and talked to me about our financial situation, everything was ready to go as soon as our escrow started. With our complicated situation, the head start was essential, because we knew their underwriter had to process a lot of documents.

24/7 Access and Status Updates

Being in escrow is not fun. There’s a lot of anxiety and stress over whether something is going to fall through. Our sellers were in escrow as well, and a contingency of the sale was that their escrow closed. I checked our loan status application daily on Discover’s site. It showed where we were at in the process, as well as the person on the team currently responsible. Mike was my main point of contact throughout (even though his job was done once everything was handed to the underwriter), and the rest of the team was just as dedicated at getting my loan approved.

I did not realize how important it was to have a skilled lending team. My sister-in-law was going through her own escrow at the time with another lender, which fell through because of the lender’s mistake. In fact, on closing day, after funds had been sent, they retracted the funds and said the loan was not approved. It was chaos — and heartbreaking.

Great Rewards Program

Discover Home Loans has a rewards program where, if you get a loan from them, the fees for any future loans you get from them are waived for the rest of your life (up to $2,000). And this includes a refinance on the original loan you got from them! I’ve already taken advantage of this and gotten a second loan.

Bottom Line: I Would Recommend to My Own Family

After that experience, I highly recommend Discover Home Loans to anyone looking for a home loan. My mom went through a refinance through them and had a similar great experience.

When vetting any lender, it’s important that the lender makes it clear that he’s willing to give you the time and attention your loan needs. A home is a big, important purchase, and you want to be able to count on your lender to be there whenever you need him. I feel like Mike was a knowledgeable friend I could pick up the phone and call at any time to ask questions (and I did). The loan process is complicated and slow (thus the usual 30 days of escrow), but Discover made sure I understood the process each step of the way, and they were efficient and skilled. And ultimately, they helped me get the home of my dreams.

Discover Home Loans has provided me with compensation for my time and efforts on this article. As always, all opinions are 100% my own.

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 Best Amazon Deals for Monday 01/20

Lynn Truong — Mon, 20 Jan 2014 16:11:03 +0000

70% Off or More on Women's Designer Shoes - Shop brands like Taryn Rose, Kate Spade, and Marc by Marc Jacobs.

50% Off Men's New Balance Running Shoes - Choose from 100 styles.

$5 Albums - Amazon offers thousands of albums for $5.

70% or More on Tees for Boys - Shop Calvin Klein, Hurley Boys, Marvel, and more.

51% Off Hit Action Movies - Choose from top movies like Zero Dark Thirty, Olympus Has Fallen, and more.

Want more deals? Check out our full list of best deals today. Don't miss a deal! Subscribe to our daily deals today!

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

7 Kitchen Gadgets That Save You Money

Lynn Truong — Wed, 18 Dec 2013 10:36:41 +0000

When it comes to saving money on food, there's nothing more economical than making it at home. But there's more to that than just cooking your daily meals and bringing the leftovers for lunch. Here are seven kitchen gadgets that can save you big but you might not have thought of. (See also: Great Gifts for Home Cooks)

1. Sodastream

If you're drinking soda, and most of us are, you can save a bundle by making your own with a Sodastream. And just think of the soda cans and bottles you won't be sending to the landfills. Not only that, but you can experiment and make up your own recipes, including adding less sugar, making for a healthier treat.

2. Meat Grinder

Ground meat is a versatile and cost effective way to lower protein costs. But with E. coli outbreaks and other risks associated with store bought ground meat, a meat grinder can be the ideal solution. Pick up meat in bulk during sales and then grind it at home.

3. Vacuum Sealer

Storing excess food in the freezer is the best way to avoid waste and save money when bulk buying, but unless it's vacuum sealed, no container or bag is able to remove all the air that causes freezer burn and unpleasant flavors. Plus, a vacuum sealed item will keep in the freezer for much longer as well.

The vacuum sealer isn't just for keeping meats fresher in the freezer. It can be used for all sorts of things that go stale when the box is open. Use it for nuts, coffee beans, and spices. (See also: Flavorful Foods Worth Splurging On)

4. Herb Grower

If you have the space in your backyard or balcony, growing an herb garden will save you big when it comes to flavoring your favorite dishes. Most recipes ask for one or two twigs of thyme or a few sprigs of rosemary, and the rest goes to waste. If you don't have the space, this AeroGarden is great dirt-free indoor solution. (See also: Foods You Can Grow in Your Home)

5. Ice Cream Maker

All those trips to the ice cream shop add up to a pretty penny. Even if you buy them by the pints or gallons, they still add up. Get an Ice Cream Maker and do it yourself! It's not just the savings to consider, but all the delicious recipes you can try. And just like making your own soda, you can add less fat and sugar but still make it tasty. (See also: Make Ice Cream With the Lello Gelato Maker)

6. Coffee/Espresso Maker

Do you make runs to the coffee shop every day to get your caffeine fix? You can get the same quality coffee right at home. Pick up a coffeemaker, espresso maker, and if you're especially picky about your coffee, a coffee grinder. Save your money for something you can't make at home.

7. Blender

If instead of coffee, your daily habit includes picking up juice or a smoothie from a local shop, there's even more reason for you to make them at home instead. Get a blender so you can use high quality fruits and ingredients, not to mention have more of it — how much water (or orange juice) do those places use as fillers? Throw in some great-for-you ingredients like spinach or oatmeal (you won't taste it, really), and you've boosted your smoothie up a notch on the health scale.

What other gadgets are worth spending on to save money?

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This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

68% of Shoppers Are Getting Ripped Off

Lynn Truong — Tue, 17 Dec 2013 11:01:13 +0000

Haggling is no longer limited to car dealerships, swap meets, and yard sales. Nor do you have to follow strict retailer rules on price-matching (like not accepting Amazon pricing). Walk into any big brick and mortar retail store and you can haggle down the price of anything -- even up to 10% under a competitor’s price.

Stores like Best Buy, Home Depot, Lowe’s, and Kohl’s are authorizing their managers to offer deep discounts (but only if you ask). High end stores like Nordstrom and Bloomingdale’s also have price matching policies that shoppers rarely know about. But here’s the thing: they are able to offer these deals because the majority of shoppers won’t ask -- 68% in fact.

If you’re not haggling, you’re not only paying more than you have to, you’re also subsidizing someone else’s discount.

The next time you walk into a retail store, fill up your cart and then speak to the manager. Whip out your phone and point to a competitor’s price and ask for a discount (10-15% is reasonable). If you don’t, someone else will.

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Great Gift Ideas for Geeky Fanboys and Fangirls

Lynn Truong — Thu, 05 Dec 2013 10:48:10 +0000

If there is someone on your holiday list who is the biggest fan ever of something, or someone, it's pretty easy to make them happy by giving them anything that displays their love. Here are some ideas for the fanboy or girl in your life. (See also: The Ultimate Gift Guide)

Fan Wear and Gear

Get some neat fan-designed shirts, posters, phone cases, and more from sites like Redbubble, Etsy, Cafe Press, Society 6, Spreadshirt, DeviantArt, and Zazzle. One of my favorite sites for unique shirts celebrating my favorite shows is TeeFury, although they only have T-shirts listed for 24 hours, so it's harder to find shirts as a gift.

Anything Autographed

Search on eBay for an autographed poster or memorabilia. Celebrities also often offer autographed items on eBay for charity auctions.

Board Games

Look for themed board games on Amazon. For example, check out Clue: The Big Bang Theory, Battlestar Galactica Board Game, and The Walking Dead Monopoly Survival Edition. (See also: 5 Great Card and Board Games)

Key Chains, Action Figures, and Other Tokens

If it's a hit movie or TV show, chances are there's an action figure. Get a Breaking Bad Walter Action Figure or the Mad Men Joan Holloway Doll. Look for unique but practical items like the Game of Thrones Coaster Set, Star Trek Spock Oven Mitt (ThinkGeek.com), or The Hunger Games Shoulder Bag. (See also: What The Hunger Games Can Teach Us About Finance)

Costumes

If clothing is your friend's thing, you can find replica clothes of their favorite characters. Doctor Who fans will love the Eleventh Doctor's Jacket (AbbyShot.com).

Replica Props

Give an iconic replica prop, like Malcolm Reynolds' Metal-Plated Pistol or Game of Thrones Robb Stark's Sword, and you'll have a friend for life.

Collector's Editions, Scripts, and Behind the Scenes Extras

Fans will devour anything and everything related to their obsession. Seek out collector's editions that include extras like interviews or commentaries. Star Wars fans would love the Star Wars: Frames to put on their coffee table. The Wizard of Oz: 75th Anniversary Limited Collector's Edition on Blu-ray includes a frameable map of Oz, collectible award pin set, Ruby Slippers Sparkle Globe, 52-page hardcover photo book, and more.

Event Tickets

If you can swing it, there's nothing that gets a fan's heart pumping more than to be in the same room as their favorite character. Comic-Con tickets are notoriously difficult to get, but there may be other smaller events you can surprise your pal with.

Interviews, Bloopers, and More

If you have the time and skill, you won't have to spend a dime for the fanboy or girl in your life. Just search YouTube for interviews, behind the scene stuff like bloopers, and other appearances, and put them together on a DVD or video file for their enjoyment. (As a courtesy, you should contact the owners for permission.) (See also: Great DIY Gifts for Geeks)

Fan Fiction

For many fans who just can't get enough, some fan fiction will satisfy their desires to see more of their characters. Check out FanFiction and put together a nice collection as a gift. (Again, contact the writers for permission.)

What cool stuff are you getting for your fanboys or fangirls this year?

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

12 Gift Ideas for Crafters

Lynn Truong — Thu, 28 Nov 2013 11:24:05 +0000

Got someone on your list who loves to make her own jewelry, sew his own clothes, and is a minor celebrity on Pinterest? Here are some ideas that'll to help you cross your friend off your holiday shopping list. (See also: 10 Gifts You Can Make With Paper)

1. Decorative Tape

Decorative tape is an essential item in any crafter's arsenal and they can't get enough of it. A popular type is Washi tape, which comes in gorgeous designs. (See also: 20+ Useful Gifts)

2. Metal Stamps

Customize jewelry with initials and designs with metal stamps. Pick up this highly rated how-to guide to making custom jewelry.

3. Screen Printing Kit

Create your own shirts and other accessories with screen printing. Simple and easy to get started today!

4. Rotary Cutter

Easier to handle than scissors, a rotary cutter makes cutting a variety of fabrics simple. (See also: Easy Homemade Curtains)

5. Glue Gun

Glue guns can glue material such as wood, plastic, metal, ceramics, fabric, and more. A must have for any crafter. A glue gun helpers kit will be a useful addition as well.

6. Martha Stewart

Martha Stewart, the queen of crafters, will inspire and bring out the creative juices. Get a Martha Stewart Living Magazine subscription or her Encyclopedia of Crafts.

7. Fusing Kit

For those who love to make their own jewelry, this fusing kit allows you to create stunning pendants, earrings, and bracelets in your microwave!

8. Embroidery Machine

An embroidery machine will allow you to add fun, colorful designs on your creations. This Brother Combination Computerized Sewing and Embroidery Machine includes a built-in embroidery design library of 70 designs, or upload your own.

9. Sewing Machine

If your friend doesn't already have a sewing machine, this Brother CS6000i is the machine to get, according to over 2000 reviews on Amazon. (See also: Top 5 Sewing Machines)

10. Die Cut Machine

Die cut machines cuts various types of material, such as paper, cardstock, and fabric, to specific specs and designs. The three most popular machines are the Silhouette Cameo, Cricut Expression, and the Sizzix Big Shot. You can also pick up replacement blades, cartridges, and other accessories if your friend already has one of these.

11. Thermal Laminator

Thermal Laminators allow you to create reusable items like calendars and signs, protect projects like posters, collages, and a host of arts and crafts projects.

12. 3D Printer

A 3D printer will allow any crafter to create a variety of customized items. It's also a versatile device that can help anybody save money.

What's on your crafter's wish list this year?

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

20 Places to Buy or Rent Textbooks

Lynn Truong — Fri, 06 Sep 2013 10:24:29 +0000

When I went to college, I bought my textbooks at the college bookstore and sold them back to the same bookstore. These days, though, there are tons of places to buy or even rent textbooks. You don't need to spend a fortune on them. (See also: Score Free (or Almost Free) College Textbooks)

1. Amazon Student

Amazon offers new, used, rentals, and eTextbooks, and you get up to 70% back when you sell your books back. Sign up for Amazon Student to get Free Two-Day Shipping for College Students. (See also: Big List of Student Discounts)

2. Chegg

With Chegg, you don't just get an online store to rent or buy textbooks at up to 80% off, you get a community that will help you with your schedule, homework, and more. Get 24/7 online study help, see reviews and ratings on courses from other students, and then sell your textbooks back when you're done with them.

3. VitalSource

VitalSourcet offers eTextbooks and eResources, which can save you up to 70% off the price of print textbooks. Save even more with their subscription packs.

4. CampusBookRentals

CampusBookRentals allows you to find textbooks for rent. Shipping is free both ways, and you can even write and highlight in them. You can decide to keep the book — you'd pay the difference between the purchase and rental price. Lastly, you can sign up to rent out your own copy of a book and make money!

5. eCampus

eCampus gives you the option to rent, buy, or sell textbooks. They also have a rewards program that allows you to earn points for purchasing, renting, selling, and sharing on social media. These points can be redeemed for dollars off your next order.

6. BookRenter

Rent or buy textbooks at BookRenter, where shipping for rentals is free both ways (they also have RapidReturn drop-off locations).

7. CengageBrain

CengageBrain offers eBooks, single eChapters, study tools, and homework solutions in addition to textbooks for rent or purchase. Students can also get FREE 7 day eBook access to their purchases while the print versions are being shipped. (See also: Extra Income Opportunity: Online Tutoring)

8. Bookbyte

Rent, buy, or sell textbooks at Bookbyte. They also offer a 10% cash rebate on the return of all textbook rentals.

9. Textbookx

Textbookx not only offers new and used textbooks for sale or rent, they also offer bestselling books like "7 Habits of Highly Effective People" and "The Great Gatsby."

10. TextbookStop

At TextbookStop, you can rent new or used textbooks or buy used textbooks. You can also sell your used textbooks. They have drop-off locations, too, where you can pick up or drop off your rentals, as well as sell your own textbooks.

11. Textbooks

At Textbooks, you can buy, rent, or sell used textbooks (they'll give you a free shipping label). They also offer eTextbooks. Get textbooks at up to 90% off, and they have a generous 30-day no hassle return policy.

12. BookFinder

At BookFinder, search through their database of over 100,000 booksellers and 60+ websites worldwide for the best price on any textbooks on your shopping list.

13. Alibris

Alibris offers a wide selection of textbooks for sale and rental (as well as rare popular and rare books, music, and movies). Save up to 80% off list price. They offer new, used, and international edition textbooks. Return rentals for free.

14. AbeBooks

AbeBooks offer new and used textbooks, and they have recently introduced a rental service. Get free shipping on textbooks!

15. TextbookRush

Buy new or used, or find rentals at TextbookRush. In addition to buying directly from they, they offer a marketplace where you can find other sellers for the books you need.

16. CampusBooks

CampusBooks allows you to compare prices on textbooks for sale or rent on various sites. You can also compare prices on various sites for offers on textbooks you want to sell.

17. Bigwords

Bigwords go further than your average price-comparison search engine. Enter in all the books you need, and they will compare every combination of items at every store, take into consideration shipping and all promotions to show you the best possible price, including any applicable coupons.

18. Direct Textbook

Direct Textbook is a search engine that will show you all the available offerings (whether rental, used, or new) on any book you need. They also search libraries and offer a price alert to keep you updated on any special deals.

19. ValoreBooks

ValoreBooks is a marketplace where students can buy or rent cheap textbooks from over 18,000 verified sellers and rental providers who compete to provide the absolute lowest prices. In addition to textbooks, you can also sell back iPhones, iPads, DVDs/CDs, and video games.

20. Blue Rocket Books

Blue Rocket Books is a search engine that displays offers from other sites for any book you need, whether buying new, buying used, or renting. They also buy back books directly.

What's your favorite discount textbook resource?

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Hard Copy or Ebook? Amazon's New Service Allows You to Buy Ebook Versions of Hard Copies You Own for Cheap

Lynn Truong — Tue, 03 Sep 2013 15:29:04 +0000

Starting in October, Amazon will be offering a new feature called Matchbook that will allow you to buy ebook versions of hard copies you've purchased from them for $2,99, $1.99, $0.99, or even free! This applies to any book purchase you've ever made from them...since 1995! Over 10,000 books will be available when Matchbook launches in October, and hopefully more publishers will be signing up.

Earlier this year, Amazon announced a new service called AutoRip, which automatically offers a free MP3 album of any CD you buy from them, as well as any album you've purchased in the last 15 years. Just open the Cloud Player and it will automatically search for eligible albums and download it.

This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

11 Foods That Will Whiten Your Teeth

Lynn Truong — Thu, 15 Aug 2013 10:36:30 +0000

With the popularity of home whitening products, it's clear many of us want our pearly whites to stay white. But our daily cup(s) of joe, wine, and myriad other foods and habits are getting in the way. However, there are a few things from nature that naturally help protect our teeth from decay and discoloration. (See also: 24 Uses for Toothpaste)

Apples (and Other Crunchy Fruits and Veggies)

Eating crunchy fruits and vegetables acts like a toothbrush, gently scrubbing away surface stains and removing excess food and bacteria from your mouth. It increase saliva, which is the body's best defense against bacteria and plaque buildup. Apples also contain malic acid, which is a common chemical used in teeth whitening products. Fruits and veggies with vitamin C also helps kill odor-causing bacteria and strengthens gums. Try veggies like cauliflower, carrots, and celery.

Cheeses (and Other Dairy Products)

Diary products are rich in protein, calcium, phosphorus, and lactic acid, all of which help fight bacteria in your mouth and make enamel stronger. Casein, a type of protein found in dairy, especially cheese, works with calcium and phosphorus to help repair enamel. Protein binds to the teeth and prevent acids from causing damage. Hard cheeses in particular are good for whitening. They increase saliva, helping remove bacteria and food particles. (See also: Milking It: 5 Easy Homemade Cheeses)

Strawberries

Strawberries contain malic acid, a natural astringent which helps to lift stains, and vitamin C, which help fight plaque build-up. Try this home whitening recipe: crush strawberries, apply to teeth, leave for five minutes, rinse well (and floss to get those strawberry seeds out).

Leafy Vegetables

Leafy vegetables and other high-fiber foods help scrub your teeth with all the chewing and saliva the chewing generates. Enjoy your next bowl of spinach slowly, knowing that you're also doing a mini toothbrushing session.

Pineapples

Pineapples contain an enzyme called bromelain, which is a natural stain remover, and also helps break up plaque.

Basil

Basil has a host of oils and acids that act as an antibiotic, inhibiting the growth of bacteria in the mouth.

Shiitake Mushrooms

Shiitake mushrooms contain lentinan, which helps to inhibit bacteria from growing.

Onions and Garlic

Onions and garlic contain thiosulfinates and thiosulfonates, which reduce bacteria that cause tooth decay. Unfortunately, cooking destroys them, so eat them raw. (See also: 10 Great Uses for Onions)

Salmon

Salmon is not only rich in calcium, which helps repair teeth, but also in vitamin D, essential for healthy bones and teeth.

Broccoli

Broccoli contains iron, which forms a barrier that protects the enamel of your teeth from acid. (See also: 25 Cheap and Tasty Frozen Broccoli Recipes)

Gum

Chewing gum is actually a great habit for your teeth (sugar-free only, please). Chew a piece of gum after a meal to get your saliva flowing and wash away bacteria and neutralize acid from the food you just ate. Saliva also helps prevent stains on your teeth. Look for gums with xylitol, an alcohol that reduces bacteria and prevent plaque.

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This article is from Lynn Truong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: