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The Best Times of Year To Make BigTicket Purchases Caitlyn MoorheadAugust 15, 2025 at 2:07 AM Zorica Nastasic / Getty Images Savvy shoppers know that timing is everything.

- - The Best Times of Year To Make Big-Ticket Purchases

Caitlyn MoorheadAugust 15, 2025 at 2:07 AM

Zorica Nastasic / Getty Images

Savvy shoppers know that timing is everything. Outside of a strong savings plan, you can give your budget a boost by strategizing the best time of year to make large purchases. Sure, everyday items can be grabbed on the go, but things like cars and appliances can require more strategic planning.

Check Out: 9 Downsizing Tips for the Middle Class To Save on Monthly Expenses

Read Next: 8 Things You Must Do When Your Savings Reach $50,000

Money experts agree that the best time to make a large purchase depends on the item. Different shopping holidays can bring steep discounts, as retailers aim to hit sales targets and clear out inventory. Understanding these seasonal trends can help you stretch your dollars further.

Here's your month-by-month guide to the best times of year to make large purchases–and how to shop smart while doing it.

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Spring and Summer

Expect deals on furniture, appliances, clothing and other items during holiday weekends like Memorial Day, Labor Day and Fourth of July. Don't forget that Amazon Prime Day is also typically in July, which makes for a much less expensive online shopping spree. Not only can you get a wide variety of clothing and everyday items at low prices, but you can also find deals on more expensive items.

Tools: Father's Day in June is an excellent time to buy tools at reduced prices. Power tools can cost a pretty penny, but getting a discount during a Memorial Day sale could help you buy Dad everything he deserves at a fraction of the price.

Furniture: Prime months for couches, tables, chairs and more are during the spring and summer because new furniture designs typically arrive in stores in February and August, prompting discounts on older models.

Mattresses: Mattresses are usually on sale during holiday weekends such as Memorial Day and Labor Day. Keep in mind that some of the best deals also appear during year-end sales when trying to restock new inventory. However, the most common discount occurs during the two holiday weekends bookending spring and summer.

Outdoor gear: As summer ends, outdoor products are often discounted in September and October to clear the decks for winter merchandise. This means summer is the best time to buy these items for the next season you'll need them.

Learn More: 8 Frugal Habits You Should Never Quit, According to Frugal Living Expert Austin Williams

Fall and Winter

The last quarter of the year, which typically includes October, November, and December, stands out as the optimal period for making many major purchases. People will line up or make sure they are online when big Black Friday sales and Cyber Monday deals go live.

Not only is this a great time for buying electronics, but also to kickstart the holiday shopping season with a bang. Here are just a few big purchases you'll want to wait for discounts on before purchasing.

Cars: Late December is particularly beneficial for car buyers. Dealerships are under pressure to meet year-end sales quotas and clear out old inventory, offering substantial discounts.

Homes: Typically, the housing market cools down in the fall and winter months, starting in October and extending into February. Sellers during this period are often more motivated, potentially leading to better deals for buyers.

Appliances: Look for significant markdowns during November and December as stores push holiday sales and clear out old stock to make room for new models. The colder months also see less competition among buyers, which can result in lower prices and a less stressful buying experience.

Electronics: Black Friday and Cyber Monday, which fall in November, are famous for extraordinary deals on electronics. Back-to-school promotions in late summer can also offer good savings.

Jewelry: After the Christmas holiday rush, expect prices to go down in January when demand wanes.

Final Take To GO

Though most retailers offer sales throughout the year, the holidays (before, after and during) can be the best time to make your next big purchase. Understanding these timing strategies not only helps in planning financially, but it also ensures you get the best value for your money.

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August 15, 2025

The Best Times of Year To Make Big-Ticket Purchases

The Best Times of Year To Make BigTicket Purchases Caitlyn MoorheadAugust 15, 2025 at 2:07 AM Zorica Nastasic / Getty Images Savvy...

I Asked ChatGPT What Would Happen If Billionaires Paid Taxes at the Same Rate as the Upper Middle Class Jordan RosenfeldAugust 15, 2025 at 2:07 AM JIM LO SCALZO / EPAEFE / iStock.com There are many questions that don't have simple answers, either because they're too complex or they're hypothetical.

- - I Asked ChatGPT What Would Happen If Billionaires Paid Taxes at the Same Rate as the Upper Middle Class

Jordan RosenfeldAugust 15, 2025 at 2:07 AM

JIM LO SCALZO / EPA-EFE / iStock.com

There are many questions that don't have simple answers, either because they're too complex or they're hypothetical. One such question is what it might mean for billionaires to pay taxes at the same rate as the upper middle class, whose income starts, on average, at around $168,000, depending on where you live.

Find Out: I Asked ChatGPT What Would Happen If Billionaires Paid Taxes at the Same Rate as the Middle Class

Read Next: Use This Checklist to See if Your Family Is Financially Secure

ChatGPT may not be an oracle, but it can analyze information and offer trends and patterns, so I asked it what would happen if billionaires were required to pay anywhere near as much as the upper middle class. Here's what it said.

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A Fatter Government Larder

For starters, ChatGPT said that if billionaires paid taxes like the upper middle class, the government would bring in a lot more money — potentially hundreds of billions of dollars more every year. "That's because most billionaires don't make their money from salaries like upper-middle-class workers do. Instead, they grow their wealth through investments–stocks, real estate, and businesses–which are often taxed at much lower rates or not taxed at all until the assets are sold," ChatGPT told me.

Billionaire income is largely derived from capital appreciation, not wages. In other words, they make money on their money through interest. And as of yet, the U.S. tax code doesn't tax "unrealized capital gains" so until you sell your assets, you could amass millions in appreciation and not pay a dime on it, ChatGPT shared.

Learn More: What Trump's New Tax Law Means for Upper-Middle-Class Families in 2025

What Do Billionaires Pay in Taxes?

Right now, many billionaires pay an effective tax rate of around 8% or less, thanks to loopholes and tax strategies. Meanwhile, upper-middle-class households earning, say, $250,000 might pay around 20% to 24% of their income in taxes. (Keep in mind that the government doesn't apply one tax bracket to all income. You pay tax in layers, according to the IRS. As your income goes up, the tax rate on the next layer of income is higher. So you pay 12% on the first $47,150, then 22% on $47,151 to $100,525 and so on).

So, if billionaires were taxed at the same rate as those upper-middle-class wage earners, "it would level the playing field–and raise a ton of revenue that could be used for things like infrastructure, education or healthcare," ChatGPT said.

The Impact on Wealth Equality

I wondered if taxing billionaires could have any kind of impact on wealth equality, as well. While it wouldn't put more money in other people's pockets, "it could increase trust in the tax system, showing that the wealthiest aren't playing by a different set of rules," ChatGPT said.

It would also help curb "the accumulation of dynastic wealth," where the richest families essentially hoard wealth for generations without contributing proportionally to the system.

But it's not a magic bullet. "Wealth inequality is rooted in more than just taxes–wages, education access, housing costs, and corporate ownership all play a role," ChatGPT said.

Billionaires paying taxes doesn't stop them from being billionaires, either, it pointed out.

Taxing Billionaires Is Not That Simple

While in theory billionaires paying higher taxes "would shift a much bigger share of the tax burden onto the very wealthy," ChatGPT wrote, billionaires are not as liquid as they may seem.

"A lot of billionaire wealth is tied up in things like stocks they don't sell, so taxing that would require big changes to how the tax code works."

Also, billionaires are good at finding loopholes and account strategies — it might be hard to enforce.

What's a Good Middle Ground?

We don't live in a black and white world, however. There's got to be a middle ground, so I asked ChatGPT if there is a way to tax billionaires more, even if it's not quite how the upper middle class are taxed.

A likely compromise would come from a policy decision, which isn't likely to be forthcoming anytime soon. President Donald Trump's One Big Beautiful Bill only offered more tax breaks to the wealthiest. However, policy proposals that have been floated, include:

A minimum tax on billionaires where they might pay around 20% of their overall income

Limiting deductions and closing tax loopholes that allow them to significantly reduce taxable income

Tax unrealized gains (those assets that have only earned but not yet been sold), gradually.

ChatGPT agreed that billionaires could pay more than they currently do, even if they don't pay exactly what upper-middle-class workers pay in percentage terms. "The key is to design policies that are fair, enforceable, and politically feasible."

I asked how realistic such policy proposals are, and ChatGPT told me what I already knew: They're "moderately realistic" but only with the "right political alignment."

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August 15, 2025

I Asked ChatGPT What Would Happen If Billionaires Paid Taxes at the Same Rate as the Upper Middle Class

I Asked ChatGPT What Would Happen If Billionaires Paid Taxes at the Same Rate as the Upper Middle Class Jordan RosenfeldAugust 15,...

Retiring? 3 Social Security Traps to Avoid Maurie Backman, The Motley FoolAugust 15, 2025 at 2:18 AM Key Points Claiming benefits as soon as you're eligible could leave you short on retirement income. Banking on costofliving adjustments could have you lagging behind inflation.

- - Retiring? 3 Social Security Traps to Avoid

Maurie Backman, The Motley FoolAugust 15, 2025 at 2:18 AM

Key Points -

Claiming benefits as soon as you're eligible could leave you short on retirement income.

Banking on cost-of-living adjustments could have you lagging behind inflation.

Assuming you're set on income with boosted benefits could backfire on you.

The $23,760 Social Security bonus most retirees completely overlook ›

If you're gearing up for retirement, then you're hopefully doing plenty of reading on Social Security. The reality is that those benefits are likely to play a big role in your finances once you stop working. So it's important to have a plan for when you'll sign up and how much you'll rely on them.

Unfortunately, a lot of retirees don't think things through when it comes to Social Security and end up facing financial difficulties as a result. Here are some Social Security traps to avoid as you plan your retirement.

Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Learn More »

A seated person covering their face.

Image source: Getty Images.

1. Claiming benefits as early as possible

You may be inclined to sign up for Social Security as early as possible to get your money as soon as possible. Once you turn 62, you're welcome to claim benefits at any point in time.

The problem, though, is that claiming Social Security at 62 will shrink your monthly payments by about 30% compared with+ waiting until 67, assuming you were born in 1960 or later. And even if you have decent savings, those smaller monthly checks could make it tough to keep up with your expenses.

Plus, even if you can afford your basic expenses with a smaller monthly Social Security benefit, you may not get to enjoy the experiences and activities you've always wanted to. So before you claim benefits as early as possible, run the numbers and see what you have to gain by waiting.

2. Assuming your COLAs will hold up

Social Security benefits are eligible for a cost-of-living adjustment (COLA) each year. The point of COLAs is to help beneficiaries keep up with their costs as inflation drives them higher.

You might assume that those COLAs will protect you from rising costs. But the reality is that Social Security COLAs have long been failing seniors.

The Senior Citizens League, an advocacy group, reported that between 2010 and 2024, Social Security recipients had lost 20% of their buying power due to insufficient COLAs. So unless lawmakers make a change on how they're calculated, the same thing is likely to keep happening. If you don't have outside income, you might struggle to continue covering your personal expenses over time.

3. Figuring you'll be all set on retirement income with a late filing

The problem with retiring on Social Security alone is that if you're an average earner, those benefits will only replace about 40% of your pre-retirement wages. Most seniors need a lot more income than that to live comfortably, though, which is why it's best to have outside income streams, like savings.

You may be planning to delay your Social Security claim for boosted monthly benefits instead of working to grow your savings. But that's not necessarily a great plan.

There's nothing wrong with delaying Social Security for larger monthly checks. But even if you delay your claim, and even if Social Security therefore ends up replacing more than 40% of your former paycheck, those benefits might still not be enough -- especially given that their COLAs don't tend to hold up well.

It's best to have additional income even if you're planning to delay your Social Security filing all the way until age 70, which is when you stop getting credit for waiting. If you're very close to retirement and don't have a lot of money saved, you may want to consider working an extra year or two, or cutting back on expenses.

The more strategic you are with Social Security, the more financially sound and rewarding your retirement might be. Be careful to avoid these Social Security traps so you're able to enjoy retirement to the fullest.

The $23,760 Social Security bonus most retirees completely overlook

If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known "Social Security secrets" could help ensure a boost in your retirement income.

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August 15, 2025

Retiring? 3 Social Security Traps to Avoid

Retiring? 3 Social Security Traps to Avoid Maurie Backman, The Motley FoolAugust 15, 2025 at 2:18 AM Key Points Claiming benefits ...

Intel's Frankfurtlisted shares rise 3.6% after report US could take stake in chipmaker August 15, 2025 at 2:34 AM LONDON (Reuters) Intel's Frankfurtlisted shares rose 3.6% on Friday, a day after Bloomberg News reported the Trump administration is in talks with the struggling chipmaker to have the U.

- - Intel's Frankfurt-listed shares rise 3.6% after report US could take stake in chipmaker

August 15, 2025 at 2:34 AM

LONDON (Reuters) -Intel's Frankfurt-listed shares rose 3.6% on Friday, a day after Bloomberg News reported the Trump administration is in talks with the struggling chipmaker to have the U.S. government potentially take a stake in the company.

Intel's U.S. shares surged more than 7% in regular trading Thursday and then another 2.6% after the bell.

Intel on Thursday declined to comment on the report.

(Reporting by Alun John; Editing by Jan Harvey)

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August 15, 2025

Intel's Frankfurt-listed shares rise 3.6% after report US could take stake in chipmaker

Intel's Frankfurtlisted shares rise 3.6% after report US could take stake in chipmaker August 15, 2025 at 2:34 AM LONDON (Reut...

'Sex and the City' Fans Have Strong Opinions on 'And Just Like That' Finale: 'Unforgivable' Matthew HuffAugust 15, 2025 at 6:55 AM HBO Max 'Sex and the City' Fans Have Strong Opinions on 'And Just Like That' Finale: 'Unforgivable' originally appeared on Parade.

- - 'Sex and the City' Fans Have Strong Opinions on 'And Just Like That' Finale: 'Unforgivable'

Matthew HuffAugust 15, 2025 at 6:55 AM

HBO Max

'Sex and the City' Fans Have Strong Opinions on 'And Just Like That' Finale: 'Unforgivable' originally appeared on Parade.

Sex and the City fans have not shied away from sharing their disdain about the series' spinoff And Just Like That..., and it seems that feeling now extends to the show's finale.

HBO announced earlier this year that And Just Like That...'s third season would indeed be the last with the finale airing on Aug. 14. While the show's first season was widely reviled for plotlines including killing off Mr. Big (Chris Noth) on a Peloton, an ongoing text feud between Carrie (Sarah Jessica Parker) and Samantha (Kim Cattrall) and Miranda (Cynthia Nixon) having sex with Che Diaz (Sara Ramirez) while Carrie wet her bed (yes, that's real), the series had got marginally better over the course of its three years.

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When the series finale was announced, fans seemed optimistic that the show's final episode might send And Just Like That... off on a high note with predictions of Sex and the City cameos, Carrie moving back to her old apartment or even the return of Samantha Jones. However, the show's final 33-minute-long episode was generally not to the fans' liking.

The And Just Like That... series finale not only forewent a single scene including all three of the original cast members together, but also saw Carrie forced to eat lunch across from a stuffed tomato, Miranda clean poop off of her bathroom floor and everyone celebrate Thanksgiving despite the finale dropping in summer.

Fans of Sex and the City immediately took to X (formerly Twitter) to share their disappointment with how the beloved franchise ended. One posted, "I cannot believe And Just Like That ended with LITERAL SH-- overflowing from a toilet…"

Another wrote, "Somehow, the And Just Like That finale was perfectly awful enough to be a fitting end. It was literal sh--. I'll miss this show."

Some, however, still wanted more following the show's conclusion, with one saying, "Why must good things have to come to an end?" While another called it "mildly chaotic," they admitted, "But I liked it?"

Here are some more of the most viral responses to the And Just Like That... series finale:

Booooooooooo @AndJustLikeThat

— Carolyn (@scottzach1) August 15, 2025

The worst ugliest fashion ever they're trying so hard in this show and I'm so glad it's over because this is the worst show on television and Sarah Jessica Parker should just retire forever after doing this

— Guru Elon Rimpoche (@cybertrucknana) August 15, 2025

I cannot believe this is the @AndJustLikeThat series finale ….. pic.twitter.com/H6skOGSoDB

— jordy (@jordydaniels01) August 15, 2025

The writing on and just like that is actually angering wow

— Bubba (@Itsnobodyjeez) August 15, 2025

SOOOO DISAPPOINTED!!!!

— Mooooo (@Lara317) August 15, 2025

what a mess

— sweetest fool (@shitmemoir) August 15, 2025

The assesination of SATC IS unforgivable

— La Laura (@lalaura77) August 15, 2025

That was just horrible! Beneath the dignity of the show and characters — and audience!

— 411 in the 514 (@411inthe514) August 15, 2025

Hey @StreamOnMax, I think you owe me another 3 seasons of @AndJustLikeThat! There are babies and weddings yet to be had, and so many stories left to tell. 😭😭😭

— Benjamin Rauhala (@brauhala) August 15, 2025

The ending of And Just Like That Season 3 is mildly chaotic, amusing, and little bittersweet… but I liked it? #AndJustLikeThat

— Erika (@erisab_alt) August 15, 2025

'Sex and the City' Fans Have Strong Opinions on 'And Just Like That' Finale: 'Unforgivable' first appeared on Parade on Aug 15, 2025

This story was originally reported by Parade on Aug 15, 2025, where it first appeared.

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August 15, 2025

'Sex and the City' Fans Have Strong Opinions on 'And Just Like That' Finale: 'Unforgivable'

'Sex and the City' Fans Have Strong Opinions on 'And Just Like That' Finale: 'Unforgivable' Matthew HuffAu...

'Supernatural' Star Says He'd 'Love' to Play His Beloved Character Again Nicole MooreAugust 15, 2025 at 6:57 AM Photo by Christopher Polk/Getty Images 'Supernatural' Star Says He'd 'Love' to Play His Beloved Character Again originally appeared on Parade.

- - 'Supernatural' Star Says He'd 'Love' to Play His Beloved Character Again

Nicole MooreAugust 15, 2025 at 6:57 AM

Photo by Christopher Polk/Getty Images

'Supernatural' Star Says He'd 'Love' to Play His Beloved Character Again originally appeared on Parade.

ActorJared Padalecki is open to playing his beloved character Sam Winchester again in a possible Supernatural reboot.

Collider reported that Padalecki shared he would be interested in reprising the role of the demon hunter during the August 2025 Fan Expo Boston. He noted that he and his castmate, Jensen Ackles, who played Sam's older brother Dean Winchester, starred in the series for 15 years until its final season, which aired in 2020.

"I'm so proud of what the show was, what we were able to do in 15 short years [Laughs]. I would absolutely love to ride again. We'd need some hair dye for our beards. They're a little salt and peppery now, but I'd love to get back in that car, roll cameras, and have Dean (Ackles) call me Sam again," said Padalecki.

According to Collider, the actor clarified he would only be interested in filming a limited series, like the 2016 four-episode Gilmore Girls reboot during a June 2024 episode of the I've Never Said This Before podcast. As fans are aware, Padalecki returned to play his Gilmore Girls character Dean Forester, who was Rory Gilmore's (Alexis Bledel) first boyfriend, for said reboot.

"I will say this. I don't want to do another 15 years of Supernatural. I don't want to do another 5 years of Supernatural, I am dying to do a reboot of Supernatural. Akin to the Gilmore Girls reboot," said Padalecki during the podcast episode. "Here are four one-and-a-half-hour episodes. We'll shoot it in three months. I thinkJensen [Ackles] and I both said in 2020, 'We'd love to revisit these characters, this world. Give us five years.' Which is next year. And I see him often. And we talk often. I think he and I are both really eager to do it. I'm certain I'll put the flannel on again and play Sam Winchester."

While speaking to Collider in June 2025, Ackles also shared he would be interested in playing Dean again. However, he's not able to do so because he's been filming the Amazon Prime series The Boys, its prequel, Vought Rising, and Countdown.

"Well, it sounds like Amazon's going to have to come up with an idea on that one, because they're controlling my schedule right now," said Ackles to the publication. "But look, we've talked about our love for the show. We continue to talk about it. We continue to do conventions and fan appearances and stuff, and talk about it. I feel like it's one of those things where, if it happens, then let's go."

He also noted that he, Padalecki, and Misha Collins, who played angel Castiel on Supernatural, had an on-screen reunion for the upcoming fifth and final season of The Boys, created by Supernatural creator Eric Kripke.

'Supernatural' Star Says He'd 'Love' to Play His Beloved Character Again first appeared on Parade on Aug 15, 2025

This story was originally reported by Parade on Aug 15, 2025, where it first appeared.

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August 15, 2025

'Supernatural' Star Says He'd 'Love' to Play His Beloved Character Again

'Supernatural' Star Says He'd 'Love' to Play His Beloved Character Again Nicole MooreAugust 15, 2025 at 6:57 A...

'Britain's Got Talent' Alum Susan Boyle Overjoyed by Oasis Tribute: 'You've Made This Old Girl's Day' Geca FloresAugust 15, 2025 at 7:06 AM Roberto Ricciuti/WireImage 'Britain's Got Talent' Alum Susan Boyle Overjoyed by Oasis Tribute: 'You've Made This Old Girl's Day' originally appeared on Para...

- - 'Britain's Got Talent' Alum Susan Boyle Overjoyed by Oasis Tribute: 'You've Made This Old Girl's Day'

Geca FloresAugust 15, 2025 at 7:06 AM

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'Britain's Got Talent' Alum Susan Boyle Overjoyed by Oasis Tribute: 'You've Made This Old Girl's Day' originally appeared on Parade.

Britain's Got Talent alum Susan Boyle was left beaming with gratitude and surprise after receiving a heartfelt dedication from Oasis.

During their tour in Edinburgh on Tuesday, the legendary rock band dedicated one of their classic hits to the 64-year-old.

"This one's for Susan Boyle," Liam Gallagher said in front of the massive crowd before singing their track "Stand By Me."

Apart from their on-stage tribute, the award-winning band also took to social media to express their admiration for the former Britain's Got Talent star.

"THIS ONE'S FOR SUSAN BOYLE. Edinburgh Night Three. 12.08.25" the caption read along with a black and white photo showing the highlights during the tour.

Following the special shoutout, Boyle, who appears to have missed the show, lit up the comments section, gushing over the sweet gesture.

"Gutted to have missed you in Edinburgh, but hope to do the Poznan soon!" she replied.

Besides the social media interaction, the Scottish singer posted a photo donning Oasis merch — complete with the band's shirt and black bucket hat as she posed with two thumbs up, signaling her full support and appreciation for the band's kind gesture.

View this post on Instagram

A post shared by Susan Boyle (@susanboylemusic)

"Thanks so much for the dedication, @liamgallagher. You've made this old girl's day. Hope to see you and the rest of @oasis at Wembley in September for a wee bit of Poznan. Big love to you all," she wrote.

After the Edinburgh show, the group went to Dublin, Ireland, to continue the tour and will head to Canada and the U.S. this month as part of their international run of performances.

Related: Rock Legend's Daughter Reacts to Reunion of Iconic '90s Band

'Britain's Got Talent' Alum Susan Boyle Overjoyed by Oasis Tribute: 'You've Made This Old Girl's Day' first appeared on Parade on Aug 15, 2025

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‘Britain’s Got Talent’ Alum Susan Boyle Overjoyed by Oasis Tribute: ‘You’ve Made This Old Girl’s Day’

'Britain's Got Talent' Alum Susan Boyle Overjoyed by Oasis Tribute: 'You've Made This Old Girl's Day' ...

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The Best Times of Year To Make Big-Ticket Purchases

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I Asked ChatGPT What Would Happen If Billionaires Paid Taxes at the Same Rate as the Upper Middle Class

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Retiring? 3 Social Security Traps to Avoid

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'Sex and the City' Fans Have Strong Opinions on 'And Just Like That' Finale: 'Unforgivable'

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