Partly Cloudy
H 55° L 47°
  • cloudy-day
    Current Conditions
    Partly Cloudy. H 55° L 47°
  • cloudy-day
    Partly Cloudy. H 55° L 47°
  • clear-day
    Mostly Clear. H 56° L 34°

Wsb news on-demand

00:00 | 00:00


Wsb traffic on-demand

00:00 | 00:00


Wsb weather on-demand

00:00 | 00:00

Personal Finance
15 things you can buy cheaper under a different name

15 things you can buy cheaper under a different name

15 things you can buy cheaper under a different name

15 things you can buy cheaper under a different name

You probably know that private label goods can save you a lot of money when you choose them over name brands.

But are you sacrificing quality by buying off-brand?

Turns out the answer is not really. Savvy shoppers know that off-brand goods are sometimes made by brand-name manufacturers and just sold under a store’s own label.

Likewise, did you know that it’s possible to save money just by buying something under a completely different name?

RELATED: Costco Black Friday 2018: When to shop & how to find the best deals

Buying a product under a different name can save you money!

Back over the summer, we told you about how you can buy dewormer for your dog at a much cheaper price if you can get ahold of fenbendazole — the active ingredient in many dewormers.

It’s typically sold for horses in paste form at tractor supply stores, seed and feed stores and the like.

In the same vein, if you use pine litter for your cat’s litter box, giving pine pellet horse bedding a try can save you big bucks, too.

pine pellet horse bedding

When we did a price check, we found a 40-pound bag of pine pellet horse bedding sold for $8.75 at a seed and feed store vs. a 20-pound bag of the brand-name pine cat litter that regularly sold for $9.99 at a supermarket.

pine litter

It’s exactly the same product! Why pay more for so much less?

That got us thinking…what other products could you be paying less for if you just buy them under a different name?

So we turned to this Reddit thread and found a bevy of potential buys. Read about the savings in the original posters’ own words…

Pool supplies

Pool too acidic? You can get a 2-kg tub of “pH Up” pool chemical at the pool store OR you can an 8-kg tub of sodium bicarb (yes – baking soda) at the hardware store for half the price.

Pool needs salt? Pool salt at the pool store costs double of what a bag of salt costs at Costco.

One of my light bulbs burned out last year. The pool store wanted $80 for a new bulb… I ended up finding the exact same bulb that was intended for tractors at the hardware store for $8.99

– jreed26

Grilling & entertaining

In the summer I grill a lot. I bought welding gloves so I could handle the chimney/grill lid. Cheaper than the ones in the grilling section at the hardware store and oven mitts don’t cut it.

– _hellonasty

Use mineral oil on your wooden cutting board instead of “cutting board oil”. MUCH CHEAPER.

– redhotjose9

Sterno supplies

The fuel alcohol you use to heat fondu or warming pans is just denatured alcohol. You can buy it for about 1/3rd the price in the hardware section.

– firefarmer74

Magic erasers

They are not even remotely close in quality to magic erasers, but you get a lifetime supply of melamine bricks for the price of 2 magic erasers.

They do fall apart during usage, but those clumps just fall to the ground. They don’t stick to anything.

In some cases, it’s an advantage that they fall apart quicker. For example, when they get stained or pick up color from paint or ink. You don’t want to use that side on another surface without cutting or rubbing it off because it may transfer and smear some of that color on what you are trying to clean.

– Warpedme

Water bottle cleaning tablets

[They are] basically denture cleaning tabs. They work amazing but may make your water a bit minty.

– BlondeLacey

Paint brushes for art projects

As an artist who also worked at an overpriced art store, [here is some] great advice…if you need quality paint brushes, use makeup brushes! Elf sells some for like $1-3, they’re generally really nice quality, comparable to $15-20 brushes you’d buy at an art store. Sure, you could buy a pack of like 50 brushes at Walmart for $5, but sometimes an artist does need quality over quantity!

– sashabybee

Wedding dresses

I bought a white prom dress as my wedding dress [and it] saved me $400!! Funny thing is I went in that shop the following year and they had marked that dress up because of it.

– nermyah

Using doggie supplies as baby hygiene supplies…

Disposable change pads for baby = puppy pads

Small plastic bags for wrapping up diapers = doggy poop and scoop bags

– 5abrina

…And using incontinence supplies for puppy training!

If are a dog owner and you use puppy/dog pee pads…buy the human ones near adult diapers sections. They are bigger and always cheaper. My vet told me about this.

– kurinevair666

Beauty supplies

If you use a hair smoothing or straightening serum like Biosilk or Chi [then] Tresemme keratin smooth serum is a good dupe for either and costs $5 a bottle instead of $20-$25.

If you use nail polish remover, you can get a quart of pure acetone from the hardware store for the same price as a 6-8 oz bottle in the toiletries section. Pure acetone also works better than super glue at bonding some plastics.

– wiredandwiser

For really dry, cracked heels (or hands) get bag balm at a place like Tractor Supply. Way cheaper than foot creams and works well.

– Grandmapoppy

Medication substitutions

Instead of Zyrtec ($0.50 each), search for cetirizine ($0.02 each). Works with a lot of OTC medication actually — just search for the active ingredient and you’ll find a cheaper version. Buy in bulk, most medications are safe and effective far after their listed best by date.

– kendrickshalamar

And to piggy-back off this, most OTC sleep-aids are just generic Benadryl, which is much cheaper.

– thatG_evanP

Alka-Seltzer is just sodium bicarbonate (baking soda) and aspirin. Usually I don’t need the aspirin part just the stomach settling part so I’ve stopped buying Alka-Seltzer.

– tgbythn

Floor pillows

Made an account just to post this. Instead of “floor pillows” I buy giant dog beds, like from Costco.

– okdennvm

My sister used them in a reading nook as a teacher. She has mixed feeling when the kids realized the tag on the pillow and were offended that they were from “Pooch Palace.” haha

– pajic_e

Sound blankets

Instead of buying “acoustic blankets” or “sound blankets” to make a nice studio/recording space, consider buying moving blankets instead — Harbor Freight’s are fine, and huge ones are $9. Add grommets if you want to get fancy.

– CharlesWiltgen

What would you add to this list? Write in below and let us know!

Keep up to date with the latest money-saving tips and more at  Clark.com . Subscribe to  our newsletter  and follow us on  Twitter  and  Facebook!

Read More


  • Secretary of State Mike Pompeo says the U.S. has 'made clear' to South Korea that progress on disarming North Korea should not lag behind the expansion of relations between the two Koreas. Pompeo says there's 'complete agreement' between Washington and Seoul on this, but his comments to reporters underscore U.S. anxiety over a potential disconnect with its close ally. Pompeo says the U.S. and South Korea set up a working group, which is meeting in Washington on Tuesday, to ensure they don't 'talk past each other' on their dealings with North Korea. Negotiations between the U.S. and North Korea on ending its nuclear program have appeared to stall in the months since President Donald Trump and Kim Jong Un held a historic summit in Singapore.
  • An actress who says she had a relationship with Michael Avenatti alleges he dragged her by the arm across the floor of his Los Angeles apartment after an argument. Court papers obtained Tuesday by The Associated Press detail Mareli Miniutti's account. A Los Angeles judge granted Miniutti a restraining order against Avenatti on Monday. She wrote in a sworn statement that before grabbing her, Avenatti shouted expletives and told her she was 'ungrateful.' Avenatti is best known as the attorney for porn actress Stormy Daniels, who alleges she was paid to keep quiet about an affair with Donald Trump. Avenatti was arrested on a felony domestic violence charge last week. Avenatti says the allegations are 'completely false' and 'fabricated.' He says he'll be fully vindicated after a thorough investigation.
  • One of the nation's largest student loan servicing companies may have driven tens of thousands of borrowers struggling with their debts into higher-cost repayment plans. That's the finding of a Department of Education audit of practices at Navient Corp., the nation's third-largest student loan servicing company. The conclusions of the 2017 audit, which until now have been kept from the public and were obtained by The Associated Press, appear to support federal and state lawsuits that accuse Navient of boosting its profits by steering some borrowers into the high-cost plans without discussing options that would have been less costly in the long run. The education department has not shared the audit's findings with the plaintiffs in the lawsuits. In fact, even while knowing of its conclusions, the department repeatedly argued that state and other federal authorities do not have jurisdiction over Navient's business practices. 'The existence of this audit makes the Department of Education's position (on the Navient lawsuits) all the more disturbing,' said Aaron Ament, president of the National Student Legal Defense Network, who worked for the Department of Education under President Barack Obama. The AP received a copy of the audit and other documents from the office of Sen. Elizabeth Warren, D-Massachusetts, who has been a vocal critic of Navient and has publicly supported the lawsuits against the company as well as questioning the policies of the Department of Education, currently run by President Trump's Secretary of Education, Betsy DeVos. Warren is considered a potential presidential candidate in 2020. Navient disputed the audit's conclusions in its response to the Department of Education and has denied the allegations in the lawsuits. One point the company makes in its defense is that its contract with the education department doesn't require its customer service representatives to mention all options available to the borrower. However, the five states suing Navient — Illinois, Pennsylvania, Washington, California and Mississippi — say the behavior breaks their laws regarding consumer protection. The Consumer Financial Protection Bureau says in its own lawsuit the practices are unfair, deceptive and abusive and break federal consumer protection laws. Of the five states that filed lawsuits against Navient, only Illinois and Pennsylvania were even aware of the audit, and they said they did not receive their copies from the Department of Education. The Consumer Financial Protection Bureau declined to comment on whether it had a copy of the report. The Department of Education said withholding the report was intentional, repeating the argument it has made in court and in public that only it has jurisdiction over student loan servicing issues, through its Federal Student Aid division, or FSA, which oversees student loans. 'FSA performed the review as part of its own contract oversight, not for the benefit of other agencies,' said Liz Hill, a Department of Education spokeswoman. When student borrowers run into difficulties making payments, they can be offered forbearance, which allows them to delay payments for a set period of time. But under a forbearance plan, in most instances, the loan continues to accumulate interest and becomes a more expensive option in the long run. The Consumer Financial Protection Bureau alleges in its lawsuit against Navient that between 2010 and 2015 Navient's behavior added nearly $4 billion in interest to student borrowers' loans through the overuse of forbearance. It is a figure that Navient disputes. A 2017 study by the Government Accountability Office estimates that a typical borrower of a $30,000 student loan who places their loan into forbearance for three years — the maximum allowed for economic-hardship forbearance — would pay an additional $6,742 in interest on that loan. 'This finding is both tragic and infuriating, and the findings appear to validate the allegations that Navient boosted its profits by unfairly steering student borrowers into forbearance when that was often the worst financial option for them,' Warren said in a letter to Navient last week. As part of their inquiry, DoE auditors listened in on about 2,400 randomly selected calls to borrowers from 2014 to 2017 out of a batch of 219,000. On nearly one out of 10 of the calls examined, the Navient representative did not mention other options, including one type of plan that estimates the size of a monthly payment the borrower can afford based on their income. Auditors wrote that many customer service representatives failed to ask questions to determine if such a plan, known as an income-driven repayment plan, might be more beneficial to the borrower. There is no public record of how many struggling borrowers serviced by Navient may have been impacted by these practices. In its most recent annual report, Navient says it services 6 million student loan borrowers, of which 12.7 percent are more than 30 days past due. That would be roughly 762,000 customers who are struggling in some fashion to pay their student loans. If one out of every 10 of those customers were pushed into forbearance instead of an income-driven repayment plan, as the department's audit found, that would be 76,200 of Navient's borrowers. The DoE report contains recommendations for how Navient could fix its practices but makes no mention of firm requirements or sanctions. The education department's Federal Student Aid division decided to do a review of Navient's forbearance practices after the Consumer Financial Protection Bureau filed its lawsuit against the company in January 2017, department spokeswoman Hill said, to see if there were any compliance issues. She said DoE officials came to the conclusion that Navient was not improperly steering borrowers. 'Nothing in the report indicates forbearances were applied inappropriately — the observations noted focused on suggested improvements regarding how to best counsel' a small minority of borrowers, she said. In response to questions over the 2017 audit, Navient pointed to the fact that nine out of every 10 borrowers on the calls were offered all their options and that this audit is just one piece of a broader story. 'This (audit), when viewed as a whole, as well as dozens of other audits and reviews, show that Navient overwhelmingly performs in accordance with program rules while consistently helping borrowers choose the right options for their circumstances,' said Paul Hartwick, a company spokesman. Navient, formerly known as Sallie Mae, is a publicly traded company. In calls and presentations with investors, Navient has said a company priority is to lower the its operational costs. As a student loan servicing company, Navient has one primary operating cost: its employees, including the hundreds of customer-service agents who man Navient's telephones every day. The fewer customer-service agents Navient employs, the more money Navient puts in its pocket. Doing calls to determine whether a borrower should be in an income-driven repayment plan takes longer, student loan industry experts say. In fact, that is exactly what Navient said in its response to the Department of Education's audit. 'We (are not) aware of any requirement that borrowers receive all of their repayment options ... on each and every call,' the company said, adding that if the Department of Education chose to require all servicers to discuss income-driven repayment plans with all borrowers, the Department of Education needs to redo its contract with Navient. Seth Frotman, who was the highest-ranking government official in charge of student loans until he quit in August in protest over how the Trump-controlled Department of Education and Consumer Financial Protection Bureau were handling the issue of student loans, said Navient's response was outrageous. 'In short, Navient, when confronted with evidence of its bad practices, is telling the government, 'Pay us more money or take a hike.' And It looks like the Department of Education took a hike,' Frotman said. ___ Ken Sweet covers banks and consumer financial issues for The Associated Press. Follow him on Twitter at @kensweet.
  • If you're planning on purchasing gift cards this holiday season, then there are some important policy changes that you'll need to know about.  Pennsylvania Attorney General Josh Shapiro announced nationwide gift card policy changes at a news conference Tuesday.  Three major retailers Walmart, Target and Best Buy have all agreed to new restrictions. There will be reductions in gift card limits, as well as restrictions on using gift cards to buy other gift cards. There also will be more employee training for people who work in the stores to help recognize scams when they are happening. >> Read more trending news  Shapiro said gift card scams have quadrupled in recent years.  Check back for more on this developing story, or click here.
  • With Black Friday just hours away, here is a look at some of the best deals of the 2018 holiday shopping season. Computers Apple iPad 2018 with 32GB for $249 – Jet  Apple iPad 2018, 128GB: $329 – Best Buy Apple MacBook Pro 13-inch 2018 for $1,150 – Best Buy Acer Aspire with the latest Core i5-8400 processor for $399.99 – BJ’s Acer 24-inch FHD FreeSync gaming monitor for $100 – Newegg  Dell Inspiron Chromebook 11 for $199.99 - Dell Dell G3 15.6-inch gaming laptop for $899 - Office Depot  Dell Inspiron 15.6-inch laptop for $319 – Dell  Dell Inspiron Small Desktop for $249.99 – Dell Dell Inspiron tower with Core i5 for $399.99 – Dell Dell XPS 13 for $1,500 – Costco Google Pixelbook laptop for $699 – Google Store HP 15.6-inch laptop for $349 – Office Depot  HP 1.6-inch Chromebook for $119.99  - Target HP Pavilion x360 14-inch with Intel Core i5 for $549 – Best Buy HP Pavilion 15 for $499 - Staples Lenovo Ideapad 330 Core i5 1TB HDD for $450 – Costco Samsung Galaxy Tab A 8-inch model for $129.99 – BJ’s Samsung Chromebook 3 for $99 – Walmart Surface Go base model for $399 – Microsoft Store Home technology Amazon Echo for $69 - Kohl’s Beats Powerbeats3 Wireless Earphones for $90 - Target Bose SoundSport wireless headphones for $99 - Walmart Canon imageClass MF244DW laser printer for $99 – Staples Fire HD 10 for $99.99 - Amazon Fire TV Cube 4K for $59.99 - Amazon Google Home Hub for $99 – Jet  Nest Hello Smart Doorbell for $129 – Google Store Ring Doorbell 2 +amazon Echo Dot 3rd gen for $140 – Best Buy Home goods 60 percent off select office chairs – Office Depot Keurig K-Mini single-serve coffee maker for $49.99 - Target KitchenAid Artisan 5-quart stand mixer for $279.99 - J.C. Penney Twin sheet sets for $5.99 - Macy’s Bath towels for $2.99 each - J.C. Penney Kenmore French door 26.1 cubic foot refrigerator for $889.99 – Sears  Nest Learning Thermostat 3rd Gen (matching Target) for $119 (was $199) iRobot Roomba 670 robot vacuum for $194.99 – Jet Televisions Element 55-inch smart UHD TV for $199.99 - Target 65-inch TCL 65S4 4K Roku TV for $398 - Walmart Samsung 32-inch Smart LED HD TV for $175 – eBay Samsung 75-inch 4K UHD TV and Xbox One S for $1,279 – Sam’s Club LG 70-inch 4K UHD Smart TV for $869 plus a $100 gift card – Sam’s Club LG 65-inch 4K UHD Smart TV for $599  - Sam’s Club Watches Apple Watch Series 3 (32mm) for $229 – Best Buy Fitbit Versa smartwatch for $149 - Target Samsung Galaxy Watch for $254.99 – eBay Miscellaneous Canon T6 DSLR Camera Bundle for $399 – Sam’s Club Potensic GPS FPV RC Drone, D80 with 1080P Camera Live Video and GPS Return Home for $199.99 – Amazon  Get select doorbusters free after mail-in rebate - Macy’s Want to check out the Black Friday ads? Here are some links: Amazon Bass Pro Shop Best Buy Belk BJ's Wholesale Costco Dell Dick’s Sporting Goods eBay GameStop Google Store Groupon JCPenney’s Jet Kmart Kohl’s Lenovo Macy’s Microsoft Store Meijer’s Nintendo Newegg Office Depot/OfficeMax Overstock Sam’s Club Samsung Sears Sony Staples Target T-Mobile Verizon Walmart Also see: >> Which restaurants are open on Thanksgiving? Here’s a list >> Which grocery stores are open on Thanksgiving Day 2018? >> Black Friday 2018: Walmart ad features deals on iPhones, TVs, laptops and more >> Oprah announces her 2018 favorite things; here’s what made the cut, where to buy  >> Black Friday 2018: Target, Kohl’s, Costco leak ads promising deals for the day after Thanksgiving
  • “Friendship and money: oil and water.” >> Read more trending news  Michael Corleone told that to a priest in the 1990 movie “The Godfather: Part III” when the prelate confessed that he trusted friends with the Vatican Bank’s money, and it had a disturbing ring of familiarity to a South Dakota woman who was victimized in a lottery scam by a friend that cost her more than $600,000 over a 16-year period. A California woman who won $5.2 million in a 1989 lottery pleaded guilty in a South Dakota federal court last week for scamming six people -- including her friend, Kelly Lhotak -- out of more than $1 million, the Rapid City Journal reported. Judy Carroll, 59, of El Cajon, and her husband won the California lottery in 1989. According to court documents, Carroll scammed Lhotak and five other people out of money in part by telling them the IRS had frozen her assets. Carroll pleaded guilty at the federal courthouse in Rapid City on four counts of wire fraud and one count of tax evasion, the Journal reported. Carroll was originally charged with 35 counts of wire fraud, but that indictment was dropped as part of her plea deal, the newspaper reported.  Each of Carroll's wire-fraud counts carries a maximum sentence of 20 years in prison, while the tax-evasion charge has a maximum of five years in prison. As part of the plea deal, Carroll must pay $1.55 million in restitution. Of that total, $622,236.01 must be paid back to Lhotak, who loaned her the money over a 16-year period, the Journal reported.  It was the classic case  “It’s been a long time coming, and she deserves punishment for what she did for several victims,” Lhotak, who was Carroll’s neighbor in California during the mid-1990s and moved to South Dakota in 2002, told the newspaper. “My heart is broken. I have had the worst betrayal of a friendship that anyone can ever experience.”Lhotak loaned Carroll money beginning in November 2000 through October 2016, according to court documents obtained by the Journal.  Carroll told Lhotak the IRS froze all her assets and she owed the agency money, according to court documents. However, the IRS only froze assets and levied Carroll’s accounts once during that time, in 2007-2008, the Journal reported. She also told Lhotak she needed money, falsely claiming he was a victim of identity theft. Lhotak said she didn't doubt Carroll's stories until she called the IRS in October 2016 to ask if her friend owed tax liens, the Journal reported. When the IRS said it had not, the agency launched an investigation. 'I did it because I loved her with all my heart,' Lhotak told the newspaper.