https://usbestnews.com/rss/author/james-johnson USBESTNEWS – Smart Living, Big Savings - James Johnson en © 2025 Enovitec Group LLC. All rights reserved. https://usbestnews.com/store-loyalty-programs-holidays-worth-signing-up https://usbestnews.com/store-loyalty-programs-holidays-worth-signing-up Thu, 05 Nov 2026 23:27:32 -0500 James Johnson store loyalty programs, holiday rewards, retail rewards, store credit cards, loyalty points https://usbestnews.com/do-holiday-promo-codes-stack-coupons-sale-prices https://usbestnews.com/do-holiday-promo-codes-stack-coupons-sale-prices Mon, 02 Nov 2026 18:30:00 -0500 James Johnson promo code stacking, coupons and sales, holiday discounts, coupon policy, checkout savings https://usbestnews.com/family-caregivers-paid-medicaid-va-programs https://usbestnews.com/family-caregivers-paid-medicaid-va-programs Sun, 01 Nov 2026 18:30:00 -0500 James Johnson paid family caregiver, Medicaid self-directed care, HCBS waiver, VA caregiver program, Aid and Attendance https://usbestnews.com/dental-vision-insurance-open-enrollment-worth-premium https://usbestnews.com/dental-vision-insurance-open-enrollment-worth-premium Thu, 29 Oct 2026 09:00:04 -0400 James Johnson dental insurance, vision insurance, open enrollment, annual maximum, FSA HSA https://usbestnews.com/hidden-water-leaks-find-before-bill https://usbestnews.com/hidden-water-leaks-find-before-bill Wed, 28 Oct 2026 00:52:01 -0400 James Johnson water leak, water meter test, toilet dye test, high water bill, winterize pipes https://usbestnews.com/weatherization-assistance-program-free-home-upgrades https://usbestnews.com/weatherization-assistance-program-free-home-upgrades Wed, 28 Oct 2026 00:52:01 -0400 James Johnson Weatherization Assistance Program, free home upgrades, energy audit, LIHEAP, low-income energy help https://usbestnews.com/pushy-medicare-sales-calls-mailers-tactics https://usbestnews.com/pushy-medicare-sales-calls-mailers-tactics Sun, 25 Oct 2026 03:40:37 -0400 James Johnson Medicare sales calls, Medicare mailers scam, Medicare high pressure sales, Medicare open enrollment marketing, report Medicare marketing https://usbestnews.com/snow-days-working-parents-backup-childcare https://usbestnews.com/snow-days-working-parents-backup-childcare Thu, 22 Oct 2026 18:30:57 -0400 James Johnson snow day childcare, backup childcare working parents, school closure childcare, emergency childcare plan, winter childcare https://usbestnews.com/bank-account-overdrawn-weeks-fees-closure https://usbestnews.com/bank-account-overdrawn-weeks-fees-closure Thu, 22 Oct 2026 09:57:47 -0400 James Johnson overdrawn bank account weeks, overdraft fees, account closure overdraft, charged off checking account, ChexSystems overdraft https://usbestnews.com/open-enrollment-benefit-choices-take-home-pay https://usbestnews.com/open-enrollment-benefit-choices-take-home-pay Mon, 19 Oct 2026 13:26:16 -0400 James Johnson open enrollment at work, benefit choices, take-home pay, health plan enrollment, HSA FSA, workplace benefits https://usbestnews.com/over-the-counter-hearing-aids-retirees-save https://usbestnews.com/over-the-counter-hearing-aids-retirees-save Sun, 18 Oct 2026 16:30:32 -0400 James Johnson over-the-counter hearing aids, OTC hearing aids, hearing aid cost, retirees, Medicare hearing aids, save on hearing aids https://usbestnews.com/lock-card-in-app-freeze-vs-cancel-when-to-use https://usbestnews.com/lock-card-in-app-freeze-vs-cancel-when-to-use Wed, 14 Oct 2026 14:30:02 -0400 James Johnson card lock, freeze card, cancel card, fraud alert, credit freeze, lost debit card, card lock app, stolen card https://usbestnews.com/early-direct-deposit-how-it-works-catches https://usbestnews.com/early-direct-deposit-how-it-works-catches Mon, 12 Oct 2026 14:30:11 -0400 James Johnson early direct deposit, get paid early, paycheck two days early, direct deposit timing, ACH payments, early pay bank accounts https://usbestnews.com/sim-swap-scams-protect-bank-codes https://usbestnews.com/sim-swap-scams-protect-bank-codes Sat, 10 Oct 2026 17:36:36 -0400 James Johnson SIM swap scam, SIM swap protection, port out scam, two-factor authentication, bank login codes https://usbestnews.com/retirement-budget-year-two-expenses https://usbestnews.com/retirement-budget-year-two-expenses Fri, 09 Oct 2026 18:24:20 -0400 James Johnson retirement budget, year two of retirement, retirement spending creep, retirement expenses, retiree budget check-in https://usbestnews.com/coin-counting-machines-fees-free-options https://usbestnews.com/coin-counting-machines-fees-free-options Wed, 07 Oct 2026 09:30:08 -0400 James Johnson coin counting machine, Coinstar fees, free coin counting, cash in coins, change jar https://usbestnews.com/pumpkin-patch-fall-festival-under-50 https://usbestnews.com/pumpkin-patch-fall-festival-under-50 Mon, 05 Oct 2026 14:30:10 -0400 James Johnson pumpkin patch cost, fall festival budget, family outing under $50, pumpkin picking prices, cheap fall activities https://usbestnews.com/household-items-worth-replacing-before-you-retire https://usbestnews.com/household-items-worth-replacing-before-you-retire Sat, 03 Oct 2026 16:00:04 -0400 James Johnson replace before retirement, household items to replace, retirement home prep, aging appliances, retirement shopping list https://usbestnews.com/childcare-and-summer-camp-receipts-which-records-families-should-keep https://usbestnews.com/childcare-and-summer-camp-receipts-which-records-families-should-keep Fri, 02 Oct 2026 19:00:03 -0400 James Johnson childcare receipts taxes, summer camp tax records, dependent care records https://usbestnews.com/the-workplace-benefit-people-leave-behind-when-they-change-jobs https://usbestnews.com/the-workplace-benefit-people-leave-behind-when-they-change-jobs Fri, 02 Oct 2026 09:00:03 -0400 James Johnson job change benefits, old 401k, workplace benefits, leaving a job https://usbestnews.com/the-simple-side-hustle-expense-tracker-you-can-start-before-tax-season https://usbestnews.com/the-simple-side-hustle-expense-tracker-you-can-start-before-tax-season Fri, 02 Oct 2026 07:53:06 -0400 James Johnson side hustle expense tracker, gig work taxes, small business records https://usbestnews.com/do-you-still-need-two-cars-after-retirement-the-real-household-cost https://usbestnews.com/do-you-still-need-two-cars-after-retirement-the-real-household-cost Wed, 30 Sep 2026 16:31:10 -0400 James Johnson two cars after retirement, retirement transportation, car ownership costs https://usbestnews.com/10-household-products-you-may-be-replacing-more-often-than-necessary-406 https://usbestnews.com/10-household-products-you-may-be-replacing-more-often-than-necessary-406 Wed, 30 Sep 2026 09:36:06 -0400 James Johnson household products, save money at home, product care, household budget https://usbestnews.com/can-you-deduct-a-home-office-everyday-situations-that-do-and-do-not-qualify https://usbestnews.com/can-you-deduct-a-home-office-everyday-situations-that-do-and-do-not-qualify Wed, 30 Sep 2026 09:36:06 -0400 James Johnson home office deduction, self employed home office, work from home taxes https://usbestnews.com/the-subscriptions-and-memberships-worth-reviewing-before-retirement https://usbestnews.com/the-subscriptions-and-memberships-worth-reviewing-before-retirement Mon, 28 Sep 2026 16:34:27 -0400 James Johnson subscriptions before retirement, retirement budget cuts, membership audit https://usbestnews.com/store-credit-cards-holiday-season-when-discount-not-worth-it https://usbestnews.com/store-credit-cards-holiday-season-when-discount-not-worth-it Sat, 26 Sep 2026 20:34:01 -0400 James Johnson store credit cards, holiday store card, 20 percent off store card, store card APR, holiday credit offers, when store card not worth it, checkout credit offer, holiday shopping credit https://usbestnews.com/small-bank-fees-families-often-stop-noticing https://usbestnews.com/small-bank-fees-families-often-stop-noticing Sat, 26 Sep 2026 20:34:01 -0400 James Johnson bank fees, ATM fees, monthly maintenance fee, overdraft fees, household banking costs https://usbestnews.com/gift-card-scams-before-holiday-rush https://usbestnews.com/gift-card-scams-before-holiday-rush Sat, 26 Sep 2026 20:34:01 -0400 James Johnson gift card scams, holiday gift card fraud, tampered gift cards, safe gift card buying https://usbestnews.com/10-small-home-repairs-expensive-when-waiting https://usbestnews.com/10-small-home-repairs-expensive-when-waiting Thu, 24 Sep 2026 09:27:41 -0400 James Johnson small home repairs, prevent expensive repairs, home maintenance budget, DIY vs wait costs https://usbestnews.com/repair-replace-or-keep-using-cost-test https://usbestnews.com/repair-replace-or-keep-using-cost-test Tue, 22 Sep 2026 13:31:10 -0400 James Johnson repair or replace, appliance repair cost, replace vs fix, household cost test https://usbestnews.com/warehouse-club-membership-worth-it-household-size https://usbestnews.com/warehouse-club-membership-worth-it-household-size Tue, 22 Sep 2026 01:03:17 -0400 James Johnson warehouse club membership, Costco Sam's worth it, bulk buying household size, membership fee math https://usbestnews.com/turn-gift-cards-into-fuel-points-without-changing-what-you-buy https://usbestnews.com/turn-gift-cards-into-fuel-points-without-changing-what-you-buy Fri, 18 Sep 2026 18:46:25 -0400 James Johnson fuel points gift cards, grocery rewards https://usbestnews.com/meal-plan-first-grocery-run-cut-the-cart-before-you-clip-coupons https://usbestnews.com/meal-plan-first-grocery-run-cut-the-cart-before-you-clip-coupons Mon, 14 Sep 2026 13:31:43 -0400 James Johnson grocery budget tips, meal plan save money https://usbestnews.com/how-to-build-a-holiday-savings-fund-before-shopping-season https://usbestnews.com/how-to-build-a-holiday-savings-fund-before-shopping-season Thu, 10 Sep 2026 15:00:04 -0400 James Johnson holiday savings fund, save for holiday shopping, avoid holiday debt, automatic savings plan, holiday budget 2026 https://usbestnews.com/fall-2026-investment-checkup-before-year-end https://usbestnews.com/fall-2026-investment-checkup-before-year-end Tue, 08 Sep 2026 08:28:19 -0400 James Johnson 2026 investment checkup, year end portfolio review, rebalance investments, investment fees, fall financial checklist https://usbestnews.com/fall-2026-tax-checklist-before-year-end https://usbestnews.com/fall-2026-tax-checklist-before-year-end Mon, 07 Sep 2026 10:44:58 -0400 James Johnson fall 2026 tax checklist, year end tax planning, 2026 standard deduction, tax withholding review, estimated taxes 2026 https://usbestnews.com/the-honest-guide-to-buying-a-used-car-in-2026-without-getting-burned-343 https://usbestnews.com/the-honest-guide-to-buying-a-used-car-in-2026-without-getting-burned-343 Thu, 30 Jul 2026 18:36:28 -0400 James Johnson buying a used car 2026, used car buying tips, CarFax report, negotiate used car price, used car financing, avoid used car scams https://usbestnews.com/best-high-yield-savings-accounts-july-2026 https://usbestnews.com/best-high-yield-savings-accounts-july-2026 Mon, 13 Jul 2026 11:52:01 -0400 James Johnson https://usbestnews.com/mortgage-rates-in-2026-how-to-save-big-on-your-home-loan-without-waiting-for-rates-to-drop https://usbestnews.com/mortgage-rates-in-2026-how-to-save-big-on-your-home-loan-without-waiting-for-rates-to-drop Mon, 01 Jun 2026 14:15:25 -0400 James Johnson https://usbestnews.com/the-honest-guide-to-buying-a-used-car-in-2026-without-getting-burned https://usbestnews.com/the-honest-guide-to-buying-a-used-car-in-2026-without-getting-burned Mon, 30 Mar 2026 09:56:44 -0400 James Johnson https://usbestnews.com/hidden-bank-fees-youre-probably-still-paying-and-how-to-kill-them-forever https://usbestnews.com/hidden-bank-fees-youre-probably-still-paying-and-how-to-kill-them-forever Fri, 20 Mar 2026 14:33:10 -0400 James Johnson hidden bank fees, sneaky bank charges, overdraft fees, monthly maintenance fees, ATM fees, out-of-network ATM, paper statement fees, inactivity fees, foreign transaction fees, excess transaction fees, fee-free banking, high-yield checking, no overdraft fees, fee-free savings, Ally Bank, Capital One 360, SoFi Checking, Chime bank, Discover Cashback Debit, Alliant Credit Union, eliminate bank fees, switch bank accounts, overdraft protection, ATM reimbursements, go paperless, bank fee audit, avoid https://usbestnews.com/lazy-persons-guide-emergency-funds https://usbestnews.com/lazy-persons-guide-emergency-funds Mon, 02 Mar 2026 11:10:25 -0500 James Johnson emergency fund, personal finance, savings, financial planning, automatic savings https://usbestnews.com/hidden-fees-youre-paying-on-your-bank-accounts-and-how-to-stop-them https://usbestnews.com/hidden-fees-youre-paying-on-your-bank-accounts-and-how-to-stop-them Sun, 01 Mar 2026 11:00:31 -0500 James Johnson hidden bank fees, avoid bank charges, stop paying bank fees, checking account hidden costs, savings account fees explained, overdraft fees solutions, monthly maintenance fees, ATM fee hacks, minimize banking expenses, bank account fee reduction tips, avoid surprise charges bank accounts, hidden costs of banking 2026, fee free banking strategies, financial wellness banking tips, reduce unnecessary bank charges, smart money management with banks, banking fees to watch out for, online banking fee t https://usbestnews.com/the-psychology-of-spending-why-we-buy-things-we-dont-need https://usbestnews.com/the-psychology-of-spending-why-we-buy-things-we-dont-need Wed, 11 Feb 2026 19:30:05 -0500 James Johnson psychology of spending, why we buy things we don’t need, impulse buying psychology, consumer behavior insights, emotional spending habits, overspending reasons, retail therapy explained, money mindset and spending, how advertising influences buying, cognitive biases in spending, managing impulse purchases, compulsive shopping behavior, financial self control tips, psychology behind consumerism, money habits to avoid, spending triggers and emotions, consumer decision making, behavioral finance in https://usbestnews.com/the-top-5-etfs-beginners-should-buy-in-2026-low-cost-high-potential-options https://usbestnews.com/the-top-5-etfs-beginners-should-buy-in-2026-low-cost-high-potential-options Fri, 23 Jan 2026 13:16:26 -0500 James Johnson best ETFs for beginners 2026, low cost ETFs 2026, top ETFs to buy 2026, beginner investing ETFs, Vanguard S&P 500 ETF VOO, Vanguard Total Stock Market ETF VTI, Schwab U.S. Broad Market ETF SCHB, Vanguard Total World Stock ETF VT, Vanguard FTSE Developed Markets ETF VEA, best index ETFs 2026, low expense ratio ETFs, passive investing 2026, millionaire favorite ETFs, Warren Buffett ETF recommendation, diversified ETFs for beginners, total stock market ETF, global stock ETF 2026, S&P 500 ETF beginn https://usbestnews.com/how-companies-make-canceling-hard-on-purpose https://usbestnews.com/how-companies-make-canceling-hard-on-purpose Tue, 20 Jan 2026 18:24:42 -0500 James Johnson https://usbestnews.com/7-credit-card-mistakes-almost-everyone-makes-in-2026 https://usbestnews.com/7-credit-card-mistakes-almost-everyone-makes-in-2026 Thu, 15 Jan 2026 11:48:22 -0500 James Johnson https://usbestnews.com/the-subscription-youre-still-paying-for-even-if-you-canceled https://usbestnews.com/the-subscription-youre-still-paying-for-even-if-you-canceled Fri, 02 Jan 2026 13:31:19 -0500 James Johnson subscription you’re still paying for, canceled subscription still charging, dark pattern subscription, refund subscription charge, subscription audit, cancel hidden subscriptions, recurring payment charge, subscription refund script, subscription management tips, avoid unwanted charges, subscription cancellation issues, reclaim subscription money, subscription billing hacks, how to cancel subscriptions, subscription financial tips, lifestyle finance subscription, manage recurring payments, subsc https://usbestnews.com/7-last-minute-tax-moves-before-2025-ends-that-save-2000-274 https://usbestnews.com/7-last-minute-tax-moves-before-2025-ends-that-save-2000-274 Fri, 05 Dec 2025 17:23:52 -0500 James Johnson https://usbestnews.com/7-last-minute-tax-moves-before-2025-ends-that-save-2000 https://usbestnews.com/7-last-minute-tax-moves-before-2025-ends-that-save-2000 Tue, 18 Nov 2025 09:47:13 -0500 James Johnson last-minute tax moves 2025, save $2000 taxes, max HSA 2025, donate appreciated stock, bunch deductions, tax loss harvesting, 401k max out, Roth conversion, year-end tax planning, reduce 2025 tax bill https://usbestnews.com/7-tax-mistakes-costing-thousands-how-fix https://usbestnews.com/7-tax-mistakes-costing-thousands-how-fix Sat, 15 Nov 2025 16:33:18 -0500 James Johnson tax mistakes, tax planning, tax deductions, IRS, tax preparation