Prime Day Deal: Get a New E-Bike This Summer With a Heybike and Up to 33% Off
Heybike is offering discounts on all premium eBikes on its website, with free bike-packing gifts worth up to $158 and $100 off with the code PRIMEDAY. There are also clearance deals on some of Heybike's premium models on its website. Amazon also has up to 33% off select Heybike e-bikes, so there are plenty of options to choose from.
Right now, the Heybike Cityscape 2.0 electric bike is 33% off, bringing the original $637 price down to $424. It has a 500-watt motor and speed up to 24 mph. The bike can also go up to 50 miles on a single charge and has a removable battery for charging.
James Bricknell, one of our E-bike experts, has used several of Heybike's offerings and had this to say about the sales.
"Heybike has long been a favorite of mine since I first rode the Brawn, an excellent off-roader. In this sale I would recommend the Alpha, a mid-train bike with $200 off, making it under $1,500. The mid-train motor makes riding feel more natural, with the power coming from the crank, not the rear wheel. The Ranger S is another great choice. The step through model is comfortable for long rides and short commutes and with $400 off it's a little over $1,000, making it one of the best deals I've seen."
If you're still comparing options, CNET has a list of the best e-bikes recommended by our experts -- which could also be discounted during the Prime Day sale.
Heybike / CNET Top deals available today, according to CNET's shopping experts
The right e-bike could save you money on car maintenance and expenses. Our CNET experts have a few recommendations to help you narrow down your choice. See at CNET
Why this deal matters
If you're in the market for an e-bike, deals from Heybike and Amazon can cut the hefty price tag down by a few hundred dollars. There are also deals on other models during the Prime Day sale, so you can get the e-bike with the color, style and features that you want. But there's no telling how long offers like this will last after the Prime Day sale ends.
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Yahoo
10 minutes ago
- Yahoo
US and China to talk in Stockholm on trade with eye on Trump-Xi summit later this year
WASHINGTON (AP) — When top U.S. and Chinese officials meet in Stockholm, they are almost certain to agree to at least leaving tariffs at the current levels while working toward a meeting between their presidents later this year for a more lasting trade deal between the world's two largest economies, analysts say. Treasury Secretary Scott Bessent and Chinese Vice Premier He Lifeng are set to hold talks for the third time this year — this round in the Swedish capital, nearly four months after President Donald Trump upset global trade with his sweeping tariff proposal, including an import tax that shot up to 145% on Chinese goods. 'We have the confines of a deal with China,' Trump said Friday before leaving for Scotland. Bessent told MSNBC on Wednesday that the two countries after talks in Geneva and London have reached a 'status quo,' with the U.S. taxing imported goods from China at 30% and China responding with a 10% tariff, on top of tariffs prior to the start of Trump's second term. 'Now we can move on to discussing other matters in terms of bringing the economic relationship into balance,' Bessent said. He was referring to the U.S. running a $295.5 billion trade deficit last year. The U.S. seeks an agreement that would enable it to export more to China and shift the Chinese economy more toward domestic consumer spending. The Chinese embassy in Washington said Beijing hopes 'there will be more consensus and cooperation and less misperception' coming out of the talks. With an eye on a possible leaders' summit, Stockholm could provide some answers as to the timeline and viability of that particular goal ahead of a possible meeting between Trump and Chinese leader Xi Jinping. 'The meeting will be important in starting to set the stage for a fall meeting between Trump and Xi,' said Wendy Cutler, a former U.S. trade negotiator and now vice president at the Asia Society Policy Institute. 'Beijing will likely insist on detailed preparations before they agree to a leaders' meeting.' In Stockholm, the two sides are likely to focus on commercial announcements to be made at a leaders' summit as well as agreements to address 'major irritants,' such as China's industrial overcapacity and its lack of control over chemicals used to make fentanyl, also to be announced when Xi and Trump should meet, Cutler said. Sean Stein, president of the U.S.-China Business Council, said Stockholm could be the first real opportunity for the two governments to address structural reform issues including market access in China for U.S. companies. What businesses will be seeking coming out of Stockholm would largely be 'the atmosphere' — how the two sides characterize the discussions. They will also look for clues about a possible leaders' summit because any real deal will hinge on the two presidents meeting each other, he said. Fentanyl-related tariffs are likely a focus for China In Stockholm, Beijing will likely demand the removal of the 20% fentanyl-related tariff that Trump imposed earlier this year, said Sun Yun, director of the China program at the Washington-based Stimson Center. This round of the U.S.-China trade dispute began with fentanyl, when Trump in February imposed a 10% tariff on Chinese goods, citing that China failed to curb the outflow of the chemicals used to make the drug. The following month, Trump added another 10% tax for the same reason. Beijing retaliated with extra duties on some U.S. goods, including coal, liquefied natural gas, and farm products such as beef, chicken, pork and soy. In Geneva, both sides climbed down from three-digit tariffs rolled out following Trump's 'Liberation Day' tariffs in April, but the U.S. kept the 20% 'fentanyl' tariffs, in addition to the 10% baseline rate — to which China responded by keeping the same 10% rate on U.S. products. These across-the-board duties were unchanged when the two sides met in London a month later to negotiate over non-tariff measures such as export controls on critical products. The Chinese government has long protested that American politicians blame China for the fentanyl crisis in the U.S. but argued the root problem lies with the U.S. itself. Washington says Beijing is not doing enough to regulate precursor chemicals that flow out of China into the hands of drug dealers. In July, China placed two fentanyl ingredients under enhanced control, a move seen as in response to U.S. pressure and signaling goodwill. Gabriel Wildau, managing director at the consultancy Teneo, said he doesn't expect any tariff to go away in Stockholm but that tariff relief could be part of a final trade deal. 'It's possible that Trump would cancel the 20% tariff that he has explicitly linked with fentanyl, but I would expect the final tariff level on China to be at least as high as the 15-20% rate contained in the recent deals with Japan, Indonesia, Vietnam,' Wildau said. US wants China to dump less, buy less oil from Russia and Iran China's industrial overcapacity is as much a headache for the United States as it is for the European Union. Even Beijing has acknowledged the problem but suggested it might be difficult to address. America's trade imbalance with China has decreased from a peak of $418 billion in 2018, according to the Census Bureau. But China has found new markets for its goods and as the world's dominant manufacturer ran a global trade surplus approaching $1 trillion last year — somewhat larger than the size of the U.S. overall trade deficit in 2024. And China's emergence as a manufacturer of electric vehicles and other emerging technologies has suddenly made it more of a financial and geopolitical threat for those same industries based in the U.S., Europe, Japan and South Korea. 'Some enterprises, especially manufacturing enterprises, feel more deeply that China's manufacturing capabilities are too strong, and Chinese people are too hardworking. Factories run 24 hours a day,' Chinese Premier Li Qiang said on Thursday when hosting European Commission President Ursula von der Leyen in Beijing. 'Some people think this will cause some new problems in the balance of supply and demand in world production.' 'We see this problem too,' Li said. Bessent also said the Stockholm talks could address Chinese purchases of Russian and Iranian oil. However, Wildau of Teneo said China could demand some U.S. security concessions in exchange, such as a reduced U.S. military presence in East Asia and scaled-back diplomatic support for Taiwan and the Philippines. This would likely face political pushback in Washington. The Stockholm talks will be 'geared towards building a trade agreement based around Chinese purchase commitments and pledges of investment in the U.S. in exchange for partial relief from U.S. tariffs and export controls,' Wildau said. He doubts there will be a grand deal. Instead, he predicts 'a more limited agreement based around fentanyl.' 'That,' he said, 'is probably the preferred outcome for China hawks in the Trump administration, who worry that an overeager Trump might offer too much to Xi.' ___ Associated Press writer Paul Wiseman contributed to this report Didi Tang And Josh Boak, The Associated Press
Forbes
12 minutes ago
- Forbes
Roth IRA Vs Traditional IRA How Much Will You Withdraw For Retirement?
Woman contemplating Roth IRA vs Traditional IRA decisions Roth IRA vs Traditional IRA retirement savings decisions are some of the most important financial choices you'll make when planning for retirement. Choosing between these two types of accounts can significantly impact their future income, tax burden, and financial flexibility. That said, there are two retirement phases to consider regarding this decision: saving up for retirement and how much you will spend in retirement on a.k.a. withdrawals, a.k.a. distributions a.k.a. decumulation. In this first part of a two-part series, I will start with the end in mind, spending. In this article, we'll explore the implications of withdrawals in each type of account, why the tax differences matter, and how aligning your strategy with your values, such as passing on savings to heirs or making charitable contributions can help you retire with both peace of mind and IRA vs Traditional IRA: Understanding Traditional IRA Taxes The first step in retirement planning if you have a long-time horizon is deciding how much income you want to spend. As horizons shorten, the question becomes how much income will my resources and current savings allow me to spend? Distributions from Traditional IRAs are taxed as income, while Roth IRA withdrawals are tax-free. While there are many potential retirement income strategies, to simplify the tax analysis, we will assume a flat annual income. Let's consider a simple scenario: Provisional Income determines how much of your Social Security is taxable: Provisional income = Half of your Social Security + Other taxable income = 50% × $25,000 + $X (Traditional IRA/401(k)/403(b)/457/TSP withdrawals) Provisional Social Security Income Because you'll be withdrawing at least $50,000, currently 85% of your Social Security will be taxed. 85% × $25,000 = $21,250 taxable Social Security Withdrawals from these accounts tax both the original savings any matching contributions and all of the growth. Assume $63,000 gross withdrawal from IRA/401(k)/403(b)/457/TSP: 2025 tax brackets for single filer (estimated): Federal income tax brackets Single filers for scenario Total federal tax = $1,160 + $4,266 + $4,708 = $10,134 Income Realized After Tax on Social Security and Withdrawals Ultimately, to net the $50,000 you had to pull more than what you IRA/401(k)/403(b)/457/TSP Tax Scenario Traditional IRA Federal Tax Scenario This calculation does not include state taxes. Depending on where you reside in retirement you may have to increase IRA vs Traditional IRA: Understanding Roth IRA Taxes If all your retirement savings are in Roth accounts (Roth IRA or Roth 401(k)), the outcome is very different from the Traditional IRA/401(k)/403(b)/457/TSP scenario. Here's a detailed breakdown of how much you'd need to withdraw to get $75,000 in post-tax income, assuming $25,000 from Social Security and needing $50,000 from your Roth accounts. Current Federal Tax RulesSocial Security Provisional Income Calculation Provisional income = Half of Social Security + taxable income = 0.5 × $25,000 + $0 = $12,500 Roth IRA tax scenario That means you need less in Roth savings to achieve the same spending power as you would in IRA/401(k)/403(b)/457/TSP. As you know, retirement is not a point in time but over time. Unfortunately, a time period that is unknown as my 96-year-old mother approaches her 97th birthday. Inflation has changed her spending needs since she retired at 62. Wish you had more money in Roth accounts? In 'Use Roth IRA Conversions to Cut Your Taxes and Boost Retirement Income' I explore how conversions can help manage taxable income and reduce Medicare IRMAA (Income-Related Monthly Adjustment Amount) IRA vs Traditional IRA: Required Minimum Distributions Traditional IRAs have RMDs whereas Roth accounts do not. With RMDs, the government says that you have had a tax holiday for quite a while and we need to start collecting revenue. This can speed up the depletion of your accounts for your own use, much less for heirs that you may have hoped would reap the rewards of your unused funds. For more on IRA withdrawal rules, visit the IRS Required Minimum Distributions (RMDs) IRA vs Traditional IRA: Income Related Monthly Adjustment Amount (IRMAA) In addition to this consideration, you should also consider Medicare's IRMAA. This adjusts the monthly premium on your Medicare premiums. While IRMAA has a tiered system similar to the tax brackets, it is not as kind. Medicare Income Related Monthly Adjustment Allowance First, once you hit the tier, you are in that tier, there is no averaging of the brackets. Furthermore, if you are 1$ over, you are in the next bracket. In this case, your required minimum distribution, not your needed income, could push you into this new IRMAA bracket. I know a few people where their RMD pushed them into a higher IRMAA IRA vs Traditional IRA: Taxes Over a 30-year period Consider the following assumptions of a 30-year period Roth vs. Traditional IRA comparison assuming:30-Year Account Depletion Comparison (Inflation-Adjusted) If you were to fully deplete each account over 30 years to meet your retirement income goal (adjusted 3% annually for inflation): Roth IRA vs Traditional IR Account depletion You can easily see that you would need $1.39 million more in Traditional IRA/401(k)/403(b)/457/TSP than in Roth to generate the same after-tax income over 30 years. Roth accounts provide a major advantage in tax efficiency and simplicity, especially in retirement years with predictable income Thoughts Roth IRA vs Traditional IRA Savings All of the Roth IRA vs Traditional IRA scenarios were simplified in order to highlight the difference in savings from a future tax perspective. While many financial professionals have suggested diversifying the savings approaches. Under the scenario that I have laid out, clearly there is one winner. Many mistakenly believe that there IRA savings gives them a much larger current deduction than it already does. If you target the zero tax of Roth, you are taking tax increase risk off of the table. Also, your cognitive powers are likely going to decline somewhere during a long retirement period. This may nullify the great tax diversification you had developed during your younger days. All of this said, I don't believe in one size fits all. Your circumstances may be unique. I hope that this article on Roth IRA vs Traditional IRA encourages you to build your own scenarios and to stress test and build your own and stress test them.
Associated Press
12 minutes ago
- Associated Press
Denso Sonoma Nationals Results
Sunday At Sonoma Raceways Sonoma, Calif. Final Finish Order Top Fuel 1. Doug Kalitta; 2. Antron Brown; 3. Shawn Langdon; 4. Justin Ashley; 5. Josh Hart; 6. Clay Millican; 7. Brittany Force; 8. Ida Zetterstrom; 9. Ron August; 10. Tony Stewart. Funny Car 1. Austin Prock; 2. Spencer Hyde; 3. Matt Hagan; 4. Jack Beckman; 5. Ron Capps; 6. Paul Lee; 7. Bob Tasca III; 8. Hunter Green; 9. Chad Green; 10. Alexis DeJoria; 11. Jason Rupert; 12. Dave Richards; 13. Cruz Pedregon; 14. Daniel Wilkerson; 15. Jeff Diehl; 16. J.R. Todd. Pro Stock 1. Greg Stanfield; 2. Aaron Stanfield; 3. Dallas Glenn; 4. Greg Anderson; 5. Troy Coughlin Jr.; 6. Jeg Coughlin; 7. Matt Latino; 8. Cody Coughlin; 9. Cory Reed; 10. Stephen Bell; 11. Chris McGaha; 12. Kenny Delco; 13. Matt Hartford; 14. Mason McGaha; 15. Erica Enders; 16. Deric Kramer. Pro Stock Motorcycle 1. Richard Gadson; 2. John Hall; 3. Matt Smith; 4. Jianna Evaristo; 5. Gaige Herrera; 6. Angie Smith; 7. Chase Van Sant; 8. Chris Bostick; 9. Clayton Howey; 10. Freddie Camarena; 11. Charles Poskey; 12. Brad Hawkes. Round-by-Round Results Top Fuel First Round Josh Hart, 3.746, 329.26 def. Tony Stewart, 10.343, 68.96; Shawn Langdon, 3.688, 336.65 def. Brittany Force, 3.721, 289.26; Antron Brown, 3.718, 336.07 def. Ida Zetterstrom, 3.739, 323.12; Justin Ashley, 3.750, 330.55 def. Clay Millican, 3.718, 331.04; Doug Kalitta, 3.703, 332.92 def. Ron August, 3.826, 319.98. Quarterfinals Brown, 3.740, 336.15 def. Ashley, 3.817, 322.42; Langdon, 8.019, 86.37 was unopposed; Kalitta, 3.719, 336.65 def. Hart, 4.813, 153.30. Semifinals Brown, 4.195, 251.81 def. Langdon, 5.322, 166.05; Kalitta, 3.734, 335.40 was unopposed. Final Kalitta, 3.752, 334.57 def. Brown, 4.067, 229.74. Funny Car First Round Hunter Green, Dodge Charger, 3.915, 333.00 def. J.R. Todd, Toyota GR Supra, 9.262, 81.34; Austin Prock, Chevy Camaro, 3.833, 340.90 def. Cruz Pedregon, Charger, 4.395, 204.14; Jack Beckman, Camaro, 3.839, 332.43 def. Jason Rupert, Ford Mustang, 3.995, 312.42; Matt Hagan, Charger, 3.884, 333.91 def. Jeff Diehl, Toyota Camry, 8.446, 75.02; Paul Lee, Charger, 4.051, 251.72 def. Dave Richards, Mustang, 4.367, 201.43; Spencer Hyde, Mustang, 3.870, 332.75 def. Alexis DeJoria, Charger, 3.913, 332.84; Ron Capps, GR Supra, 3.854, 337.41 def. Chad Green, Mustang, 3.907, 334.65; Bob Tasca III, Mustang, 4.085, 280.14 def. Daniel Wilkerson, Mustang, 4.615, 277.66. Quarterfinals Hagan, 3.937, 331.36 def. Tasca III, 3.936, 333.49; Beckman, 3.924, 329.18 def. H. Green, 7.517, 80.47; Prock, 3.887, 335.48 def. Lee, 3.934, 321.65; Hyde, 3.872, 333.00 def. Capps, 3.886, 333.25. Semifinals Prock, 3.927, 333.91 def. Hagan, 3.937, 327.11; Hyde, 5.235, 146.05 def. Beckman, Foul - Centerline. Final Prock, 3.904, 333.82 def. Hyde, 3.956, 323.35. Pro Stock First Round Jeg Coughlin, Chevy Camaro, 6.503, 210.93 def. Matt Hartford, Camaro, 7.616, 115.22; Troy Coughlin Jr., Camaro, 15.079, 59.28 def. Deric Kramer, Camaro, Foul - Red Light; Matt Latino, Camaro, 6.505, 210.01 def. Mason McGaha, Camaro, 7.647, 158.11; Cody Coughlin, Camaro, 6.482, 209.72 def. Erica Enders, Camaro, 9.939, 94.30; Aaron Stanfield, Camaro, 6.511, 211.66 def. Cory Reed, Camaro, 6.482, 210.54; Greg Anderson, Camaro, 6.467, 210.80 def. Chris McGaha, Camaro, 6.553, 209.56; Dallas Glenn, Camaro, 6.461, 211.89 def. Kenny Delco, Camaro, 6.650, 206.29; Greg Stanfield, Camaro, 6.502, 211.36 def. Stephen Bell, Camaro, 6.552, 209.85. Quarterfinals G. Stanfield, 9.400, 119.56 def. Latino, 13.041, 75.79; A. Stanfield, 8.061, 148.54 def. C. Coughlin, Foul - Red Light; Anderson, 6.540, 210.54 def. Coughlin Jr., 6.576, 209.72; Glenn, 6.485, 211.16 def. J. Coughlin, 12.256, 93.77. Semifinals G. Stanfield, 7.236, 203.46 def. Anderson, 14.248, 57.35; A. Stanfield, 6.579, 209.85 def. Glenn, 13.896, 61.08. Final G. Stanfield, 6.552, 211.49 def. A. Stanfield, 6.568, 209.39. Pro Stock Motorcycle First Round Angie Smith, Buell, 6.780, 199.23 def. Chase Van Sant, Suzuki, 6.821, 197.42; Jianna Evaristo, Buell, 6.775, 199.64 def. Freddie Camarena, Suzuki, Foul - Red Light; Gaige Herrera, Suzuki, 6.737, 200.29 def. Clayton Howey, Suzuki, 6.976, 192.77; John Hall, 6.729, 201.70 def. Chris Bostick, Suzuki, 6.910, 193.35; Matt Smith, Buell, 6.785, 200.56 def. Charles Poskey, Suzuki, 7.094, 190.89; Richard Gadson, Suzuki, 6.744, 200.56 def. Brad Hawkes, Suzuki, Foul - Outer Boundary. Quarterfinals Hall, 6.739, 200.50 def. Herrera, 6.813, 198.52; M. Smith, 6.817, 199.43 def. Evaristo, 6.809, 198.76; Gadson, 6.779, 200.50 def. A. Smith, Broke. Semifinals Hall, 6.782, 199.43 def. M. Smith, 6.817, 198.41; Gadson, 6.817, 199.14 was unopposed Final Gadson, 6.756, 199.97 def. Hall, 6.807, 196.04. Point Standings Top Fuel 1. Shawn Langdon, 990; 2. Tony Stewart, 942; 3. Justin Ashley, 879; 4. Doug Kalitta, 869; 5. Antron Brown, 779; 6. Brittany Force, 738; 7. Clay Millican, 605; 8. Steve Torrence, 569; 9. Josh Hart, 539; 10. Shawn Reed, 422. Funny Car 1. Austin Prock, 1,020; 2. Matt Hagan, 819; 3. Jack Beckman, 815; 4. Ron Capps, 782; 5. Paul Lee, 735; 6. J.R. Todd, 621; 7. Daniel Wilkerson, 617; 8. Spencer Hyde, 568; 9. Bob Tasca III, 534; 10. Alexis DeJoria, 533. Pro Stock 1. Dallas Glenn, 1,045; 2. Greg Anderson, 1,008; 3. Matt Hartford, 654; 4. Cory Reed, 603; 5. Eric Latino, 525; 6. Aaron Stanfield, 511; 7. Greg Stanfield, 474; 8. Jeg Coughlin, 464; 9. Cody Coughlin, 429; 10. Deric Kramer, 414. Pro Stock Motorcycle 1. Gaige Herrera, 794; 2. Richard Gadson, 724; 3. Matt Smith, 672; 4. John Hall, 473; 5. Angie Smith, 445; 6. Chase Van Sant, 362; 7. Jianna Evaristo, 360; 8. Chris Bostick, 335; 9. Steve Johnson, 278; 10. Marc Ingwersen, 237. _____
