TekReplay via eBay offers the refurbished Unlocked Samsung Galaxy Note 5 32GB GSM Android Smartphone in Black for $263.97. Apply coupon code "PCOLUMBUS2017" and check out via PayPal to drop that to $213.97. With free shipping, that's $106 below our February mention of an open-box unit and the lowest price we've seen an unlocked unit. (It's the best deal for a refurb now by $6.) It features a 5.7" 2560x1440 super AMOLED touchscreen display, Samsung Exynos 7420 1.5GHz/2.1GHz otca-core processor, 4GB RAM, 32GB internal memory, 16-megapixel rear camera, 5-megapixel front camera, 4K video capture, 802.11ac wireless, Bluetooth 4.2, and Android 5.1.1 OS (Lollipop). Deal ends October 10 at 11 am ET.
Note: This coupon can only be used once per PayPal account. A 60-day warranty is included, but it's unclear who backs it.
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.