The Penny Hoarder |
- You Might Need a 12 Month Emergency fund — Here’s How to Get It
- Best Savings Accounts for November 2021
- Do You Qualify for Any of November’s Class-Action Settlements?
| You Might Need a 12 Month Emergency fund — Here’s How to Get It Posted: 02 Nov 2021 01:00 PM PDT Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. What seemed like a reasonable goal for an emergency fund — three to six months' worth of expenses — no longer feels that way after Covid wreaked havoc on our economy. Financial expert Suze Orman thinks people with stable jobs should be aiming toward a 12-month emergency fund after seeing millions of people blow through their savings last year. If you thought it sounded ridiculous to save that much money before, maybe this perspective changed your mind. TPH Senior Writer Nicole Dow dug into the pros and cons of a year-long emergency fund, including who needs it and who doesn't. She also details how to determine what your emergency fund should look like. Hint: It's not 12 months of your take-home salary, but a bare-bones budget that is survivable for you and your family through four seasons. Here's how you can figure out how much to put in your emergency fund — and how to come up with the extra cash. 1. Determine Your Bare-Bones BudgetIf you lose your job, how long will it take you to get another one? It depends on your industry, but the average is around five months (and this was before the pandemic hit). You hope it will be less, but it could even be more, so you need to be prepared. That means detailing out a bare-bones budget that you can adjust if the need ever arises. Keep only the essentials and cut what you can live without. Food, shelter, medical expenses, utilities and minimum debt payments can stay; subscription services, extra debt payments and extracurricular activities get paused. You can also see if your utility companies and banks can offer assistance or reduce fees and check with your mortgage company about forbearance options. Once you've created this essentials-only budget, multiply it by 12. That's what your 12-month emergency-fund savings goal should be. 2. Start Your Emergency Savings Fund in a High-Yield Account and Earn 16x the Average InterestIf you don't have an account for your emergency fund, get one. Keeping cash under your mattress or in your sock drawer isn't very safe at all, plus it'll get you nothing in interest — not much less than an average savings account, though. But an account with Aspiration lets you earn up to 16 times the average interest on the money in your account. And it will earn you up to 5% back every time you use the debit card. Not too shabby! Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption which is nerd talk for "this is totally safe." 3. Cut Your Bills Now to Help Save For LaterThere are some bills you can cut down now, without having to sacrifice anything. By slimming down these monthly payments, you can save more money immediately and have less to worry about if you ever need to dip into your emergency fund. A win-win. Start with your car insurance. When's the last time you even checked car insurance prices? You should shop your options every six months or so — it could save you some serious money. Let's be real, though. It's probably not the first thing you think about when you wake up. But it doesn't have to be. A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it'll show you your options. Using Insure.com, people have saved an average of $489 a year. Yup. That could be $500 straight into your emergency fund just for taking a few minutes to look at your options. 4. Get Money Back Every Time You Go Grocery ShoppingYou know couponing is a guaranteed way to save more money when you go grocery shopping — but it's downright time consuming. Instead, you could just get rewarded for buying what you already shop for. No clipping required, and you'll still be able to add more money to your emergency fund every month. A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and more than 250 other items at the grocery store. Here's how it works: After you've downloaded the app, just take a picture of your receipt showing you purchased an item from one of the brands listed in Fetch. For your efforts, you'll earn gift cards to places like Amazon or Walmart. You can download the free Fetch Rewards app here to start getting free gift cards. Over a million people already have, so they must be onto something… 5. Earn Up to $225 For Your Emergency Fund Just For Going Down a Rabbit Hole on Your PhoneWe've all been there. You sit down at the end of the day to unwind on your phone, and suddenly it's two hours later, and you're in the weird part of YouTube again. How did I even get here? But you don't need to feel guilty about it anymore. Research companies will actually pay you to go down these video rabbit holes. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They'll present you with short video clips to choose from every day, then ask you a few questions about them. You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it's already paid its users more than $60 million. It takes about one minute to sign up and start getting paid for your nightly zone-out. 6. Find Out if You're OverpayingThink of all the times you've overpaid… and how much money you could have saved in your emergency fund, if someone had just told you before you swiped. That's exactly what this free service does. Just add it to your browser for free, and before you check out, it'll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item's price history. Let's say you're shopping for a new TV, and you assume you've found the best price. Here's when you'll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they'll also automatically be applied to your order. In the last year, this has saved people $160 million. You can get started in just a few clicks to see if you're overpaying online. Capital One Shopping compensates us when you get the extension using the links provided. 7. Stop Paying Your Credit Card CompanyYour credit card company is ripping you off with insane interest rates — some up to 36% — making you pay extra money each month that could be going to your emergency savings instead. But a website called AmOne wants to help. If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances. The benefit? You'll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you'll get out of debt that much faster. Plus: No credit card payment this month. You don't need a perfect credit score to get a loan — and comparing your options won't affect your score at all. Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau. It takes less than a minute and just 10 questions to see what loans you qualify for — you don't even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don't worry — they won't spam you with phone calls. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Best Savings Accounts for November 2021 Posted: 02 Nov 2021 09:00 AM PDT When it comes to savings accounts, where do you even begin? Do a quick search, and you'll find many savings accounts with different options with varying percentages, monthly fees and minimum requirements. Not to mention the many types of financial institutions themselves — online-only, banks and credit unions — and it can get overwhelming fast. Keeping this in mind, we've rounded up the best savings accounts — including ones at online banks and traditional brick and mortar — of 2021. We've included top information you need to know before opening or switching an account. And before we move on, yes, we recommend that Penny Hoarders have a savings account — keeping your cash in a box under your bed is not a solid, or safe, financial plan. We want you to feel empowered so you can get the best proverbial bang for your buck. We've ranked the very best savings accounts available today to help get you started. Our Picks for the Best Savings Accounts
Best Savings Accounts of November 2021So, what makes a savings account one of the *bests* of November 2021? That depends on what you value most. In determining our top nine, we reviewed more than 20 popular savings accounts and considered what elements seem to be most universally important:
We considered only savings accounts that were FDIC-insured or NCUA-insured and had no monthly fees. And we kept in mind its availability of products; for instance, high-yield savings accounts, small-business resources and money market accounts. Because physical branch access is becoming increasingly less important, all accounts on our list are online or hybrid (online with some brick-and-mortar bank locations). Savings-Account Criteria We Didn't Weigh HeavilySo what didn't we consider when making our list that you might also want to look for? Bonuses: Because banks regularly add, remove or replace their bonuses, we did not include them in our criteria. If you're stuck between two or three comparable savings accounts, see which one offers the best sign-on bonus. We highly recommend checking out our current bank promotions list to help earn bonus cash or incentives when signing up for a new savings account. Customer service: Quality of customer service is subjective. Read reviews and ask friends and family about their experiences when considering banks. To truly determine how you feel about the level and quality of customer service, give the bank a call and ask some questions about the account. From that interaction, you should be able to feel out how much each bank values customers and prospects. Synchrony High-Yield Savings AccountBest for High-Yield Savings Key Features
  Synchrony is an FDIC-insured online bank. It offers a notch above a traditional savings product with its high-yield savings account. Users can take advantage of a high APY — with no minimum balance requirement — and no fees, aside from accessing out-of-network ATMs (though Synchrony offers a $5 monthly reimbursement). Synchrony High-Yield Savings Account  APY 0.50% Monthly fees None Minimum balance required None Additional fee for withdrawals None ATM fees None for in-network With Synchrony, you can access your money through an ATM, electronic transfer to an external account, wire transfer or a paper check in the mail (remember, it's an online-only institution). And if you're interested in similar accounts, check out our list of the overall best high yield savings accounts. CIT Savings Builder AccountBest for Users Who Need an Incentive to Save Key Features
 CIT Bank (not to be confused with Citi) has a Savings Builder savings account to help users earn more on their money. To get up to 0.40% APY, your account either needs $25,000 in it or you must make a monthly minimum deposit of $100 to the account. Obviously, the latter option is more feasible for the average consumer — and a good incentive to save each month, to boot. CIT Savings Builder Account  APY Up to 0.40% Monthly fees None Minimum balance requirement $100 Additional fee for withdrawals None ATM fees None for in-network With CIT bank, you can get your money via electronic transfer, wire transfer (free if you have $25,000 or more in the account) or paper check. Bonus: You can get reimbursed up to $30 a month for using other bank's ATMs. CIT Bank's mobile app also has a solid rating; at the time of writing, the app has a 4.6 rating on the App Store and 4.2 on Google Play. Ally Online Savings AccountBest for Users Who Want to Save Smarter Key Features
Ally is a leading online bank that offers all kinds of banking products. Its savings account is a solid step-up from the competition: Ally offers a high APY, no monthly fees and savings tools such as "buckets" and boosters, which help accelerate your savings on autopilot. Ally Online Savings Account  APY Up to 0.50% Monthly fees None Minimum balance requirement None Additional fee for withdrawals None ATM fees None for in-network To earn up to 0.50% APY from Ally, here's what you need to know: Ally's three online savings account balance tiers are less than $5,000, between $5K and $24,999.99, and $25K or more. Ally will pay the particular APY based on the tier your end-of-day balance falls in. You can transfer money via direct deposit, electronic transfer, wire transfer or paper check. Alliant High-Rate Savings AccountBest for Users Who Prefer to Bank at a Credit Union Key Features
The Alliant High-Rate Savings account is offered via the Alliant Credit Union. So, instead of FDIC insurance, it carries insurance through the National Credit Union Administration (NCUA). (No concerns there: Like the FDIC, the NCUA federally insures your money.) In exchange for an average daily balance of $100, you'll qualify for 0.55% APY. Alliant High-Rate Savings Account  APY 0.55% Monthly fees None Minimum balance requirement $5 Additional fee for withdrawals None ATM fees None for in-network Joining Alliant requires some effort. You need to fulfill one of these four requirements:
Once you join, you're eligible to open a high-yield savings account for $5 (which Alliant will reimburse you for!). Discover Savings AccountBest for Access to a Cash-Back Debit Card Key Features
The Discover (yes, the credit card brand) Savings Account offers a substantial APY and easy access to funds via a rewards checking account. Interest in the savings account is also compounded daily versus monthly, like with some accounts. Discover Savings Account  APY 0.40% Monthly feeds None Minimum balance requirement None Additional fee for withdrawals None ATM fees None for in-network While Discover doesn't offer an ATM card for its FDIC-insured savings account, you can sign up for Discover Cashback Debit (it's free!), which earns up to 1% cash back on up to $3,000 a month. The linked debit account provides an easy way to transfer funds; otherwise, you can rely on electronic transfers, wire transfers and paper checks. Capital One 360 Performance SavingsBest for Users Who Want to Connect Multiple Accounts Key Features
This big-name savings account boasts no monthly fees, easy integration with other Capital One 360 accounts (including a checking account for easy funds transfer) and a killer app. Per the latter, in 2018, the Capital One 360 mobile app was ranked No. 1 in customer satisfaction in the banking category for the second year in a row in J.D. Power's U.S. Banking App Satisfaction Study. Capital One 360 Performance Savings  APY 0.405 Monthly fees None Minimum balance requirement None Additional fee for withdrawals None ATM fees None for in-network If you don't open a linked checking account for easy ATM access with Capital One, you can still get your funds via the traditional (but slower) means.The Capital One Performance Savings Account is a good option for people who prefer to bank with a well-known entity. Barclays Online Savings AccountBest for Consumers Saving Toward a Goal Key Features
Barclays Online Savings Account offers a high APY and strong mobile app. The company also has a Savings Assistant tool, which can help users save toward a financial goal. Unlike others on the list, however, Barclays doesn't have a checking account opton; so, you'll have to transfer your money to an external account, which can take two to three days to post. Barclays Online Savings Account  APY 0.40% Monthly fees None Minimum balance requirement None Additional fee for withdrawals None ATM fees n/1 With this Barclays savings account, users can deposit and withdraw funds in a number of ways, through direct deposit, an electronic transfer, paper check and more. If you're looking for additional savings options, Barclays offers online CDs as well. American Express High-Yield SavingsBest for Users Who Like to Make Multiple Withdrawals Key Features
American Express offers a high-yield, FDIC-insured savings account. It boasts 24/7 support and a highly rated mobile app for iPhone and Android users. While there's no debit card option, users have round-the-clock access to their funds. American Express High-Yield Savings  APY 0.40% Monthly fees None Minimum balance requirement None Additional fee for withdrawals None ATM fees n/a With American Express high-yield savings, electronic transfer, wire transfer and paper check are the only ways to access your money. On the plus side, you can make up to nine withdrawals or transfers during a monthly statement cycle. This is higher than the six withdrawals or transfers that many high-yield accounts typically offer. Marcus Online Savings AccountBest for Growing an Account You Don't Need to Touch Key Features
Marcus by Goldman Sachs is FDIC-insured, has no fees or minimum balance requirements, and offers seven-day customer support. If you've been dragging your feet to start an emergency fund, this might be a good place to start. Marcus Online Savings Account  APY 0.50% Monthly fees None Minimum balance requirement None Additional fee for withdrawals None ATM fees n/a Marcus by Goldman Sachs withdrawals are limited to electronic transfer and wire transfer. You also cannot deposit checks via the app. If you're looking for an account you can set-and-forget while earning higher interest, this could be an attractive option for you with a well-known company. What is a Savings Account?A savings account is a bank account where you store your money. Typically, you keep it here for long-term goals instead of using it for everyday expenses. To see a detailed explanation of how it differs from a traditional checking account, visit our checking vs. savings account comparison. The best savings accounts are secured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. That means if you store your money with a bank and it goes under, you won't lose your money. Savings accounts are perfect for achieving your savings goals — for a car, a house, a wedding, vacations, you name it. More importantly, they are the best tool to build your emergency fund. Most experts agree your emergency savings should total six months' worth of necessary expenses in the case of job loss or another unpredictable emergency. Necessary expenses might include rent/mortgage, car payments, insurance, medical bills, utilities and groceries. However, don't sweat it if you don't have six months' worth saved up. It takes time to build up your savings. Even if you can consistently deposit $50 a month, that's a good start. One thing a savings account is not is an investment account. Savings accounts have historically low interest rates — or annual percentage yield (APY) — but they are inherently low risk. Pro Tip After you have padded your savings account with enough cash to cover emergency expenses and your other savings goals, you'd be better off opening an IRA or 401(k) or investing in stocks. Common alternatives to savings accounts include certificates of deposit (CDs), where you store your money for a fixed term for a slightly higher interest rate, and money market accounts, which typically offer a higher APY but have significantly higher minimum balance requirements. So just how much interest will you earn in a savings account? That depends on the amount you've saved and your APY. Online Banks vs. Brick-and-Mortar BanksBefore the advent of the internet, brick-and-mortar banks (and credit unions) were the only place to store your money, if not in your duffel bag. But over the last couple decades, online banks have transformed the way we think of safely storing our money, and because of their low overhead (fewer staff and few or no physical locations), they can offer much better interest rates on savings accounts. Pros of Online Savings AccountsWhen online savings accounts first surfaced, bank customers were hesitant to store their money with companies they had never heard of and were fearful of internet security issues. Today, many of these same customers now see far more pros to online savings accounts than their traditional physical banks. Higher Interest RatesThis is easily the most important distinction between brick-and-mortar banks and online banks. The national average APY for a savings account is 0.06%, according to the FDIC. But many brick-and-mortar banks offer less than that. Online banks, on the other hand, tend to offer savings rates that are better — sometimes a lot better AvailabilityOnline banks are always open. The most competitive online banks offer around-the-clock service over the phone or online, and typically have more user-friendly apps and websites. Some national banks and credit unions may offer 24/7 service, but their physical locations are typically limited to the 9-to-5 business hours. Pros of Brick-and-Mortar Savings AccountsThere are advantages to brick-and-mortar banks. However, if these benefits do not hold massive weight for you, we highly recommend an online savings account. Easy Access to Account FundsEmergencies wait for no one. If you have an unexpected need for $10,000, it would be nice to be able to immediately access that. Many online savings accounts take several days to get you your funds via ACH deposit or a written check, though wait times for ACH deposits have dramatically decreased in recent years. (You can also speed up the process by opening a checking account with your online bank or choosing an online savings account with ATM benefits. Prioritize online banks that offer free checking accounts or ATM convenience cards.) Brick-and-mortar banks, however, can allow major withdrawals at any of their locations. No waiting necessary. In-Person SupportSome people prefer to resolve their issues over the phone or online, but many others find comfort in face-to-face communication. By opening a savings account with a bank that offers physical locations, you'll be able to get in-person help from financial experts during regular business hours. … And a Toss-UpWhen it comes to access to ATMs, there is no clear winner. Obviously, brick-and-mortar banks and credit unions offer ATMs at all their locations, where you can easily withdraw your money. Many online banks, however, offer fee-free withdrawals at select ATMs, and the best online banks will reimburse you for fees incurred out of network. [community_widget] 6 Tips for Choosing a Savings AccountYou should be aware that banks can change interest rates, develop better apps and update their bonuses, so it is important to understand how to determine the best savings account for yourself. Here are a few tips: 1. Consider Your NeedsWe prioritized high savings rates, ease of funds transfer and mobile apps in our rankings, but maybe for you, two-factor authentication and customer service are top considerations. Build your own ranking system based on your top two or three criteria. You won't find a perfect bank that offers everything, but at the very least, you'll find banks that can meet all of your top needs. 2. Stick With OnlinePut your money in an online savings account, unless you have a good reason not to, such as a high interest savings account at a brick-and-mortar credit union or a regular need to get in-person help. 3. Save Only With Insured BanksDo not put your money into any bank that is not insured by the FDIC. Or, if you go the credit union route, make sure it is insured by the NCUA. We did not include any banks on our list that were not insured. 4. Don't Be Tempted by Sign-on Bonuses AloneEarning cash for starting an account with a bank feels awesome, but don't let the appeal of $100 now prevent you from putting your savings into an account that will earn you $500 over a couple years. 5. Find a No-fee AccountBe wary of accounts with monthly maintenance fees, statement fees or any other miscellaneous charges. You're more likely to find these fees with a brick-and-mortar bank. Ideally, find a bank that has an associated free checking account for easy and fast funds transfers. 6. Read the Fine PrintKnow what you are signing before you sign it. If an APY sounds too good to be true, it's possible there are strings attached — or that the rate is only temporary. Ask questions and do research when you are confused by any of the terms and conditions, and don't deposit your savings until you are satisfied with the agreement.  Frequently Asked Questions (FAQs) About Savings AccountsHere's a round-up of common questions — and answers — when it comes to savings accounts. What Bank Has the Best Savings Account Plan?The "best" bank will vary from person to person. In general, look for a savings account with minimum requirements and a decent APR — which, these days, hovers around 0.40% and 0.50%. Which Savings Account is Best for 2021?Similarly, the best savings account for 2021 will hinge on a variety of factors. Look for an account that offers a savings account with a solid APY that ticks off other boxes — Do you want to be able to view your savings on an app? Bank with an institution that offers additional products? Score a higher interest rate with an online-only bank? Depending on your needs, wants and goals, there's a bank with a savings account offering that will work for you. What is a High-Yield Savings Account?A high-yield savings account is another option for you to store your money. Similar to a savings account, these types of accounts typically offer higher interest rates if you follow certain guidelines. For instance, you might be required to maintain a regular balance and be allowed to transfer money out a particular number of times a month. High-yield savings accounts could be a good option for you (and your emergency fund) if you're disciplined and organized, and don't need daily access to this money. What is the Best Interest Rate for Savings in the UK?Interest rates for savings accounts in the United Kingdom are similar to rates in the States. For a traditional savings account, a rate between 0.65% and 0.66% AER (Annual Equivalent Rate) is considered pretty good right now, according to The Times. How Can I Make the Most Interest on My Money?First, look for a traditional savings account that offers higher than 0.06% APY, the national average. And again, consider a high-yield savings account or online-only savings account, which usually boast higher interest rates. From there, make saving money regularly — any little bit helps — a habit. With consistency and patience, you'll earn money on your savings. Contributor Kathleen Garvin (@itskgarvin) is a personal finance writer based in St. Petersburg, Florida, and former editor and marketer at The Penny Hoarder. She owns a content-writing business and her work has appeared in U.S. News, Clark.com and Well Kept Wallet. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  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| Do You Qualify for Any of November’s Class-Action Settlements? Posted: 02 Nov 2021 07:00 AM PDT Are you eligible to claim some cash? Several class action lawsuit settlements — involving brands such as Blue Cross Blue Shield, DevaCurl, Honda and Coppertone — have claim deadlines in November. Read on to find out if you qualify. Cases are listed in order of deadlines to file, with the earliest dates being listed first. Blue Cross Blue Shield $2.67B SettlementThose who were covered by certain Blue Cross Blue Shield (BCBS) health insurance or administrative services plans may be eligible to claim part of a $2.6 billion settlement. The Class is made up of anyone who was covered by certain BCBS health insurance or administrative services plans between February 2007 and October 2020. Dependents, beneficiaries, and non-employees are not eligible Class Members. Plaintiffs in a class action lawsuit had accused BCBS of working with others in an attempt to limit market competition throughout the United States. The amount of the individual Class Members' payments will depend on several factors, including the number of claims filed, the premiums the Class Member paid, and whether the insurance was fully insured or self-funded. Claims must be submitted by Nov. 5, 2021. Move Free Advanced False Advertising $50M Class Action SettlementAnyone who purchased certain Move Free Advanced joint health supplements may be able to claim about $66 without proof of purchase thanks to a $50 million class action settlement. The Class is made up of anyone who purchased Move Free Advanced or the Move Free Advanced Plus MSM or Plus MSM & Vitamin D varieties, other than solely for purposes of resale, between May 28, 2015, and June 24, 2021, within the United States and its territories. Plaintiffs alleged the supplement's maker, Reckitt Benckiser, advertised the products as being able to provide joint health benefits they could not actually provide. Under the terms of the settlement, Class Members may be eligible to claim an award of $22 per bottle purchased. File your claim by Nov. 8, 2021. Vivid Seats $7.5M Event Cancellation Class Action Settlement, Deadline ExtensionAnyone who purchased tickets through Vivid Seats to events canceled because of the pandemic may be able to file a claim in a $7.5 million settlement. The Class includes all persons or entities residing in the United States, its territories, or Canada, who at any time on or before April 1, 2021, bought a ticket through Vivid Seats to an event that, at any point between Sept. 29, 2016, and April 1, 2021, was cancelled or was postponed or rescheduled and has not yet occurred. Plaintiffs had accused Vivid Seats of retroactively discontinuing its long-standing "100% Buyer Guarantee," which provides ticket buyers with a legally required full cash refund, early in the pandemic. Class Members may file claims either for a credit or a cash payment. The deadline to file a claim has been extended to Nov. 10, 2021.  EpiPen $345M Class Action SettlementPfizer Inc. and other defendants have agreed to a $345 million settlement in an EpiPen class action lawsuit. The Class is made up of any person or entity in the United States who paid or provided reimbursement for some or all of the purchase price of branded or authorized generic EpiPens for the purpose of consumption — not resale — by themselves, their family, insureds, plan participants, employees, or beneficiaries, at any point between Aug. 24, 2011, and Nov. 1, 2020, and did not exclude themselves from the Class. A 2017 EpiPen class action lawsuit claimed Pfizer and others plotted to maintain EpiPen's monopoly on the market by issuing rebates to insurers and Medicaid plans that refused to cover the drug's competitors. Class Members' individual payments will be a portion of their respective funding pool to be determined by their allowed claim compared to the total allowed claims of all Class Members in that same pool who also submit a valid claim. Claims must be submitted by Nov. 12, 2021. Coppertone Mineral-Based Sunscreen $2.25M Class Action SettlementIf you bought certain Coppertone mineral-based sunscreens, you may be eligible to claim up to $10 without proof of purchase thanks to a $2.25 million class action settlement. The Class is made up of retail consumers who purchased in the United States one or more of the following Coppertone products for personal use, not resale, before Sept. 17, 2021, that had the words "mineral-based" on the label: Coppertone Water Babies Pure & Simple, Coppertone Kids Tear Free, and Coppertone Sport Face. Plaintiffs in a class action lawsuit had alleged the products were misleadingly labeled because they actually contained chemical active ingredients in addition to mineral active ingredients. Without proof of purchase, Class Members may claim $2.50 for up to four qualifying products purchased, a total of $10 per household. With proof of purchase, Class Members may receive $2.50 for each qualifying product purchased, with no limit. File your claim by Nov. 17, 2021. Honda Infotainment Issues Class Action SettlementHonda owners and lessees who experienced problems with their vehicle's infotainment system may be eligible to take part in a class action settlement. All current owners and lessees of a 2018 or 2019 Honda Odyssey vehicle (Elite, EX, EX-L, EX-LNR or Touring trim), a 2019 Honda Pilot vehicle (2EX-LNR, 2TRG, 2TRG 7P, 4Elite, 4EX, 4EX-L, 4EX-LNR, 4TRG or 4TRG 7P trim), or a 2019 Honda Passport (2EX-L, 2TRG, 4Elite, 4EX-L, or 4TRG trim) who reside in and who purchased or leased their vehicles (other than for purposes of resale or distribution) in the United States, Puerto Rico, and all U.S. territories, and former owners and lessees of Class Vehicles who submit a claim are considered Class Members, as are all U.S. military personnel who purchased a Class Vehicle during military duty. Plaintiffs in a class action lawsuit alleged they had experienced Honda infotainment issues, such as frequent freezes and failure to connect to devices. They alleged these issues were caused by software and hardware defects, and that American Honda Motor Co. should have either disclosed those defects before selling the vehicles or remedied them under warranty. Class Members may file claims for reimbursement for battery-recharging costs incurred as a result of a car battery that drained because the vehicle's infotainment system did not turn off when it should have, as well as claims for qualifying transportation costs incurred if they returned a Class Vehicle two or more times to an authorized dealer for a repair of certain infotainment system symptoms. Claims must be submitted no later than Nov. 19, 2021. DevaCurl Hair Loss, False Ad $5.2M Class Action SettlementClaim up to $20 without proof of purchase thanks to a $5.2 million DevaCurl settlement. Anyone who purchased and/or used any of the covered products in the United States between Feb. 8, 2008, and Aug. 29, 2021, is considered part of the Class. A list of the covered products can be found on the settlement website. A class action lawsuit alleged the DevaCurl made consumers' hair fall out and caused scalp irritation. The company also allegedly misrepresented the products. The amount of each Class Member's payout will vary up to $18,000, depending on which tier their claim belongs to. Claims must be submitted no later than Nov. 21, 2021. Blue Diamond Almond Breeze Vanilla Flavoring $2.6M Class Action SettlementIf you purchased certain Blue Diamond Almond Breeze vanilla almond milk or other products, you may be eligible to make a claim with or without proof of purchase in a $2.6 million class action settlement. The Class includes all consumers in the United States who purchased the affected products between April 15, 2014, and May 17, 2021. Allegedly, Blue Diamond tricked consumers into thinking Almond Breeze yogurt products were flavored using real vanilla by misrepresenting the ingredients used to create the vanilla flavor. Class Members who do not have proof of purchase may make a claim to receive $0.50 for each affected product they purchased, up to 10, for a maximum possible payment of $5. Those who have proof of purchase will be eligible to receive $1 for each affected product purchased, up to 20, for a maximum possible payment of $20. Payments may be adjusted depending on the number of claims filed. Only one claim may be made per household. The claim form deadline is Nov. 23, 2021.  Six Flags Season Pass COVID-19 Closure Refunds Class Action SettlementU.S. consumers who paid for a monthly membership for their local Six Flags park during the COVID-19 closures may be able to take advantage of a free membership offer thanks to a class action settlement. The Class includes consumers with season passes who paid for a Six Flags monthly membership in the United States during the time their Six Flags Home Park was closed because of the coronavirus pandemic. The eligible time period is March 13, 2020, through Sept. 10, 2021. Class Members must not have received Six Flags season pass refunds for the full amount of their charges in order to be eligible to take part in this settlement. Plaintiffs had claimed Six Flags season pass holders were still charged while the parks were closed during the pandemic and Six Flags did not refund Class Members' membership fees. Class Members may claim free months of membership, gift cards, reward points, or other benefits, depending on their membership status. Claim forms are due by Nov. 24, 2021. Harbor Freight Chainsaw SettlementConsumers who bought certain chainsaws from Harbor Freight may be eligible to receive replacement products or up to $50 in cash or gift cards. The Class includes anyone in the United States or its territories who purchased Portland, Chicago Electric, or One Stop Gardens 14-inch electric chainsaws (SKU Nos. 67255 or 61592) from Harbor Freight stores between March 11, 2011, and Feb. 6, 2018. Harbor Freight Tools USA Inc. allegedly sold defective chainsaws that were subject to a recall. Each Class Member's payout will depend on their choice of benefits and whether they provide proof of purchase or proof of destruction of the covered products. The claim deadline is Nov. 24, 2021. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  This posting includes an audio/video/photo media file: Download Now |
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