Pandora offers its Pandora One 1-Year Subscription Gift Card for $36. That's a savings of $1 each month (or $12 per year) in comparison to paying on a month-to-month basis, which existing users are going to have to switch to come May. (Pandora is raising the cost of the monthly subscription for new users from $3.99 to $4.99 beginning in May, and making it compulsory for existing users to switch to a month-by-month payment instead of the discounted yearly fee of $36.) This gift card for the popular music-streaming service can be purchased for you or gifted to a friend.
Most taxpayers will see their tax bill go down during 2018. That could impact which type of account -- traditional or Roth -- makes sense for you.