The Black Friday deals on subscription services that are worth your money
If you’ve become overwhelmed with the number of subscription services there are now, you’re not alone. It’s pretty easy to pay for a dozen or more services every month, and that cost quickly adds up. However, Black Friday is a good time to check to see if you can snag a discount on either the services you already pay for or those you’ve had your eye on. Unfortunately (or fortunately, depending on your point of view), you’ll find more deals that fall into the latter category — plenty of companies are running sales for new subscribers for the holiday shopping rush. We’ve collected the best subscription service deals here so you don’t have to search for them.
New Hulu subscribers can save a bit on the ad-supported plan for Black Friday. Now you can subscribe for only $1.99 per month, which is $4 off the standard monthly price. That discount will last for 12 months before your subscription is automatically renewed at the standard $5.99 monthly price.
Discounts on Photoshop, Illustrator and other Adobe programs are hard to come by, but the company has a couple of good discounts for Black Friday. New subscribers can save 25 percent on Adobe’s All Apps plan, which includes Photoshop, Illustrator, Acrobat, InDesign and Premiere Pro. That brings the monthly cost down to $40 from $53. Students can also save, and the holiday promo brings their monthly costs down to $16.
Affinity Creative Apps
Serif, which makes Adobe competitor apps Affinity Photo, Designer and Publisher, is having a sale that knocks 30 percent off everything in its online store. That means you can get Affinity Photo for iPad for only $14, or the same program for Mac or Windows for $35.
Paprika recipe app
A favorite of many Engadget staffers, the Paprika recipe manager app is up to 50 percent off right now. Both the Mac and Windows versions are half off, bringing them to $15, while the Android and iOS versions are 40 percent off, bringing them down to $3. It’s arguably the best way to digitally collect and organize all your recipes, and it also has features that let you keep track of grocery lists, meal plans and more.
A password manager can be one of the most handy programs you pay for and now LastPass is having a Black Friday sale on its Premium subscription. Instead of the standard $3-per-month price, you can get Premium for one year for $1.80 per month. That includes all of the features available in LastPass’ free plan in addition to multi-device password sharing, security dashboard, dark web monitoring and more.
One of our recommended VPNs is 67 percent off for Black Friday. You can subscribe to Tunnelbear for one year for only $40, which is much less than the standard $120 annual price. We like Tunnelbear because it has a great reputation and it’s easy to use even for those who are new to VPNs.
NordVPN is another solid option and it’s also having a Black Friday promotion that knocks 68 percent off the price of a two-year subscription. That brings the final price down to $89 and you’ll get an extra three months free on top of the two years of service.
If Tidal’s HiFi service has intrigued you but you’ve been put off by the $20-per-month price, now’s the chance to give it a shot to see if you actually want to keep paying for it. The company’s Black Friday promo gives you four months of Tidal HiFi for only $2, which is a fantastic deal. With this you get HiFi sound quality, Tidal Masters, access to over 70 million songs and unlimited ad-free listening.
Plex is offering a 25 percent discount on its lifetime Plex Pass membership, which brings the final cost down to $90 when you use the code SURVIVETHESEASON at checkout. The premium service gives you features like DVR for over-the-air broadcasts, mobile sync and camera upload, more customizable sharing restrictions and access to Plex Pass Perks.
New Sling TV subscribers can pay for one month of the service and get one more month for free. This offer applies to the Sling Orange and Blue membership plans and it includes 10 hours of free cloud DVR. After two months, you’ll be billed at the normal rate.
Parallels is a program that makes it easy to use Windows alongside macOS and now you can grab Parallels Desktop 16 for Mac for only $64, which is 20 percent off the normal price. A piece of software like this bridges the gab between a bunch of different operating systems, so you don’t have to be confined to one or another.
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Expectations of good news on the near horizon are buoying markets right now. Over the past month, both the S&P 500 and the NASDAQ are up 11% to new record highs.Investors are excited at the prospect of a COVID vaccine coming before the winter is out. And the electoral results, that Democrat Joe Biden will ascend to the Presidency while the Republicans will emerge strengthened in Congress, promise the avoidance of extremes typical of divided government. In short, investors are looking forward to ‘return to normal’ environment over the next several months. And that has them seeking stocks that are primed for gains. Against this backdrop, Goldman Sachs analysts are pounding the table on three stocks in particular, noting that each could surge over 40% in the year ahead. After running both tickers through TipRanks’ database, we found out that the rest of the Street is also standing squarely in the bull camp.Codiack BioSciences (CDAK)As we have all learned from coronavirus pandemic, some new thing in medical science can make huge impact on our world. Codiack aims to turn that principle to good. This research-oriented pharmaceutical aims to turn exosome therapeutics into a whole new class of medicines. Exosomes are the degradation mechanism RNA, and can transfer genetic material around a body.And therein lies the potential. Codiack has developed a design platform for the engineering of exosome proteins capable of carrying and protecting drug molecules through cell walls. In effect, the proteins will mimic the pathways used by viruses – but are non-viral, and are designed to carry a ‘payload’ of therapeutic agents. If successful, exosome therapy offers doctors the ability to design a drug that will deliver specific agents to specific cells to fight specific disease.Codiack is involved in all aspects of exosome therapeutics, from design to manufacturing, and currently has an active pipeline of agents – seven, in all – in various stages of discovery, preclinical testing, and the beginnings of Phase 1 trials.In the biosciences, success or failure is all about that pipeline, and in its diverse, active pipeline of agents in a new sector of biotechnological pharmaceuticals, Codiack has a fine resource to attract investors. To get those investors, the company went public this past October, selling 5.5 million shares at an opening price of $14.10 per share.Among the healthcare name’s fans is Goldman Sachs analyst Graig Suvannavejh. The analyst wrote, “Biopharma industry interest in exosomes has long been high, but engineering them for a specific function and manufacturing at scale have both proven challenging. Among a field of multiple competitors, CDAK has made the most significant progress on both fronts, and as such we view their technology platform as best-in-class.””Given share underperformance (-37%) since the IPO, we find risk/reward highly compelling at current levels, and with key 2021 data sets to provide potential de-risking and positive share inflection,” the analyst concluded.Suvannavejh rates CDAK a Buy, and his $29 price target shows the extent of his confidence – it implies a 222% upside for the coming year. (To watch Suvannavejh’s track record, click here)Overall, Codiack has a Strong Buy from the analyst consensus – 3 reviewers have put up Buy ratings in recent weeks. The stock is selling for $8.90, and its $24 average price target implies a 166% one-year upside potential. (See CDAK stock analysis on TipRanks)Arcutis Biotherapeutics (ARQT)Acrutis is a pioneering researcher in the treatment of dermatological disease. Arcutis is involved in discovering the next generation of dermatological treatments – an important niche, especially when one realizes that one common ailment, psoriasis, has not seen an FDA approval for a novel treatment in over two decades.The company is leveraging recent advances in immunology and inflammation to find new approaches to skin treatment. The goal is to make it easier for patients and doctors together to manage conditions like psoriasis, alopecia, atopic dermatitis, seborrheic dermatitis, and vitiligo, to name just a few.The company’s lead candidate, ARQ-151 (roflumilast cream), is about to enter a phase 3 trial for atopic dermatitis, and is in an advanced phase 3 stage in Plaque Psoriasis. Arcutis has recently issued an update on positive data from the Phase 2 trials of ARQ-151 in atopic dermatitis. The drug is a once-daily treatment, and has demonstrated significant patient relief from symptoms, especially itching and itching-related sleep problems. This is another stock in Suvannavejh’s coverage universe. The Goldman analyst is impressed by developments in the company’s pipeline work, noting: “ARQT provided an update on the outcome of its end-of-Phase 2 meetings with the FDA, following their Phase 2a trial of ARQ-151 in atopic dermatitis (AtD). Feedback from regulators was broadly encouraging, in particular, acknowledging the robust long-term safety data being generated by ARQT for ARQ-151 in plaque psoriasis…”Accordingly, Suvannavejh rates ARQT a Buy, and sets a $36 price target that indicates room for 40% upside growth in 2021. (To watch Suvannavejh’s track record, click here)Arcutis has 2 recent Buy reviews, making the consensus rating a Moderate Buy. The stock’s average price target is $37, suggesting a 44% upside from current levels. (See ARQT stock analysis on TipRanks)Oak Street Health (OSH)With the last stock, we move from medical research to medical care. Specifically, Oak Street Health is a primary care clinic operator, and part of the Medicare Network. The company has operations and clinics in Illinois, Indiana, Michigan, Pennsylvania, and Ohio, along with New York, North Carolina, Rhode Island, Tennessee, and Texas. It has been in operation for eight years, and went public this past summer, holding the IPO in August.In the third quarter, the company’s first as a publicly traded entity, OSH brought in $217.9 million in revenue. The revenue number was up 56% from the year-ago quarter. Earnings per share matched expectations, at 15 cents.The company’s expansion proceeds apace, and in October, Oak Street entered New York by opening, in Brooklyn, its 70th location. A planned expansion in Texas, involving a partnership with Walmart, is also proceeding as planned, and Oak Street has opened its first Walmart Community Clinic the Dallas-Fort Worth area city of Carrollton.Robert Jones, covering this stock for Goldman, set a $74 price target to back his Buy rating. At currently levels, this target implies an upside of
58% in the next 12 months. (To watch Jones’ track record, click here)“Results suggest operations are still on track, with few incremental updates since the 2Q call, where management noted a resumption of center openings, (pivoted) marketing efforts, and in-person visits despite COVID. In 3Q, OSH opened 13 new centers and is on track for 73-75 by end of year… The company maintained that it is continuing to operate at a high level in places with elevated COVID case counts like Chicago and Detroit,” Jones noted.All in all, the Strong Buy analyst consensus rating OSH is based on 8 reviews, breaking down to 7 Buys and just a single Hold. The stock is selling for $46.94, and its $61.29 average price target suggests it has a
31% upside for the coming year. (See OSH stock analysis on TipRanks)To find good ideas for healthcare stocks trading at attractive valuations, visit TipRanks’ Best Stocks to Buy, a newly launched tool that unites all of TipRanks’ equity insights.Disclaimer: The opinions expressed in this article are solely those of the featured analysts. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.
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Moderna’s Valuation Deserves a Haircut, Says Analyst
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15% downside over the coming months. (See MRNA stock analysis on TipRanks)To find good ideas for coronavirus stocks trading at attractive valuations, visit TipRanks’ Best Stocks to Buy, a newly launched tool that unites all of TipRanks’ equity insights.Disclaimer: The opinions expressed in this article are solely those of the featured analyst. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.
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Black Friday 2020: How to Get the Best Deals, Avoid Overspending and Score Cash Back
Love it or hate it, Black Friday is an American tradition. And like most things in 2020, this traditional shopping holiday is not shaking out to look the same as usual.
In normal years, masses of shoppers gather around big box retailers on Thanksgiving night or the wee hours of the following morning in the hopes of scoring the best deals on big-ticket items like smart TVs and new gaming systems.
Due to the coronavirus pandemic, most (if not all) retailers like Target and Walmart offering Black Friday deals have put most of their energy towards online shopping, and they have greatly expanded the length of time bargains will be available. In other words, Black Friday is just another day of deals and promotions, in a string of several weeks full of deals and promotions. If you’re on the hunt to find the lowest prices on holiday gifts this year, you probably should have already gotten started. If not, it’s time to get shopping.
It’s easy to get caught up in the rush of “50% Off!” sales and buy-one-get-one deals. But to make the most of Black Friday (and Cyber Monday) shopping, it’s important to have a game plan to avoid overspending, and to filter out the merely mediocre promotions from the truly great deals.
Here are six easy ways to get all of your holiday shopping accomplished without breaking the bank.
1. Shop Online for the Best Deals
Besides the obvious health implications of a pandemic that’s most commonly spread in densely packed indoor spaces, there are good financial incentives to skip stores and shop online this year.
“Since we’re not having a traditional Black Friday, retailers have gone out a lot earlier with their sales and that gives people time to do more comparison shopping,” says Amy Sewell, a consumer brands spokesperson who runs Shop With Style With Amy Sewell.
In the past, there were major incentives to shop in person: better discounts, instant access to the items you wanted, and no need to worry about shipping fees or delays. But nowadays shipping is faster than ever, and online discounts are usually identical to the ones you’d find in a store.
What’s more, when you shop online, it’s easier to compare the deals and prices among multiple retailers. You don’t face the pressure of being in a store, surrounded by aggressive shoppers snatching up items left and right — a situation in which you’re prone to feeling compelled to buy stuff before it sells out, regardless of whether the price is the lowest available. You’ll also save time, energy, and money that might otherwise be suckered out of your wallet by a flashy aisle display.
To help you compare deals in seconds, websites like slickdeals.net aggregate millions of items for sale across the internet for shoppers. Sure, you could reference deals sites and price-comparison tools on your phone while inside a store on Black Friday, but you’re more likely to take your time and make smart buying decisions in a quieter and less-frenzied environment.
2. Do Your Homework
As you compare prices online, it’s a good idea to do a deep dive into the products you’re interested in buying. After all, no matter how cheap the price, you’re not getting a good value if you wind up with a product you don’t really like or use.
It’s important when shopping online to be sure that the products you’re interested in buying come from legitimate vendors and have real reviews. Big e-commerce sites like Amazon are notorious targets for people writing fake five-star product reviews — in fact, there’s a whole industry of merchants paying people to make false reviews on Amazon. While the e-commerce giant does try to quickly take down fake reviews when they find them, they sometimes miss.
An easy way to avoid buying fake or low-quality items is to use a tool like the Fakespot browser extension, which scans e-commerce websites like Amazon and eBay in real time as you browse. It generates a letter grade for each product and its reviews.
Online and in-person shoppers should also do their due diligence to check every item’s warranty and every store’s return policies. Obviously, you don’t want to end up making a big purchase (for yourself or as a gift) that can’t returned for a full refund.
Luckily, most big retailers extend their return policies around the holidays. For instance, Target’s 30-day return policy for electronics bought between Oct. 1 and Dec. 25 starts on Dec. 26, rather than from the day it was purchased. Meanwhile, Macy’s is accepting returned items sold between now and Dec. 31 through Jan. 31 or 90 days after the item was purchased, whichever comes later.
3. Make a Black Friday Shopping List
This should be a no-brainer for any shopping trip, but especially during the chaotic Black Friday or Cyber Monday sales periods: Make a list (and check it twice).
“I recommend having it in the memo function on their phones so they can have it with them wherever they are,” says Trae Bodge, another shopping expert helping consumers save money at TrueTrae.com.
Both in-store and online shoppers would do best to have a digital list. It’s easy to catalogue links to deals and extra coupons on your phone, and to quickly remove items once they’re purchased to avoid accidental repeat purchases. If you’re shopping mainly for a dozen or so friends and family members, you might even include a spending limit for each person on your list.
“Because of the random nature of the deals this year, having a list with recipients and a suggested budget for each [person] will help you stay on track,” says Bodge.
You can also avoid overspending around Black Friday by sticking to the types of deals the day is known for — and skip other items until they go on sale. For example, Walmart is offering Airpods Pro earbuds for $80 off starting the Wednesday before Thanksgiving. But not everything will be discounted right now. For example, shoppers should not expect brand-new gaming consoles like the Sony PlayStation 5 to be discounted at all during holiday sales.
4. Only Spend What’s in Your Wallet
With thousands of retailers now touting partnerships with buy-now-pay-later instant lenders like Afterpay and Klarna, it’s easy to be swept up in the novelty of paying for expensive items in smaller installments. Sewell warns that this is a slippery slope: “I’m going to say this upfront: if you cannot afford it, do not buy it. There’s no more straightforward way to say that.”
Stick to the rule of thumb that if you can’t pay for it with the money you have right now, then it’s time to step (or click) away from that Instant Pot, Nintendo Switch, or whatever ultra-popular gadget you’ve been coveting. It’s better — and more rewarding — to save up until you can pay for the item in full, rather than drag out the payment process for weeks.
If you’re someone who tends to overspend, it might be a good idea to set aside a limited amount of cash you want to spend or stick to shopping online with just a debit card. Be aware that retailers will be pushing their own store credit cards this holiday season, regardless of whether you shop online or in-person. It might be tempting to get that extra 15% off your purchase by signing up, but the APR on store credit cards tend to be high — and unless you already shop there all the time, it’s probably not worth the pain.
“We all want to shop and treat ourselves, and that’s okay, but it should stay in your budget,” says Bodge.
5. Keep Every Receipt
Maybe the most important thing to keep in mind on Black Friday is making sure every item you’re buying will actually be put to good use. What happens if you bought a glitzy dress that looked great in the dressing room but not-so-great once you’re home? Do you fall prey to the sunk-cost fallacy and hold onto the dress, hoping some day it’ll magically look perfect? Or do you take the wise and sensible step and return it for a refund (assuming you kept the receipt)?
If you’re shopping for others, it’s especially important to make sure each purchase comes with a gift receipt. That way, if your loved one isn’t in love with the gift, they can exchange it for something that they will use. It’s an easy way to ensure that both parties are satisfied, and none of your gift budget goes to waste.
6. Earn Cash Back
Some people live by the idea that you have to spend money to make money. Although that advice is usually spewed by the most financially irresponsible character in any given sitcom, if you can make money while spending it, then you absolutely should.
If you’re a credit card user, find out which stores your card provider has partnerships with and are offering the best cash back or points this holiday season. For instance, Chase Freedom® card holders can get 5% cash back on their first $1,500 spent at Walmart through the end of the year, while Discover it™ card holders get the same deal for shopping online at Amazon, Walmart, and Target.
Not a fan of credit cards and promotions that encourage you to spend? There are still plenty of opportunities to get cash back — you just have to be more deliberate about finding them.
“One tool that will be helpful is the Rakuten app,” says Bodge. “You can pair your credit card with the app before you shop, select the offers they have available, and then when you pay with that credit card the cash back is automatically credited.”
You do need to be cautious with apps like Rakuten though. You can miss better deals if you’re too heavily focused on cash back. Ideally when Black Friday shopping, you want to prioritize saving money overall, and think of cash-back rewards as just an extra perk.
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