JCPenney takes up to 70% off a large selection of apparel, backpacks, home items, and more during its Pre Holiday Price Drop Sale. Plus, cut an extra 20% off most items via coupon code "88GOSHOP". (The same code alternatively takes an extra 25% off orders of $100 or more.) Shipping adds $8.95, but orders of $49 or more bag free shipping. (Ship-to-store pickup is also available for $3.95 or free for most orders over $25.) Deal ends December 24. A couple of best bets:
St. John's Bay Active Texture Mix Jogger for $11.99 + $3.95 pickup via "88GOSHOP" ($25 off)
Nike Men's Flex Experience 7 Running Shoes for $39.99 + pickup (pictured, low by $5)
Experts often recommend postponing claiming your Social Security retirement benefits. But there are situations in which you should start taking the money sooner.