Business & Technology

Loyalty cards have long given discounts to shoppers who sign up, but stores are increasingly offering personalized discounts tailored to each customer's shopping patterns.

Those tailored discounts mean someone standing in front of you at the supermarket checkout line might get a lower price on the exact same gallon of milk that you're buying.

A 'Secret Deal'

Heather Kulper is one of those people who really wants to get a good deal. She's a mom in a suburb north of Seattle who writes a blog about coupon clipping and saving money.

Refinance activity continues to boom, fueling the home-loan market. Low interest rates have created a class of "serial refinancers" — those lucky enough to borrow at lower rates — and given them new opportunities to spend their freed up cash.

Settlement attorney Robert Gratz never used to be on a first-name basis with his clients.

"In the past, our practice was such that you'd see people, and that was the end of it," he says.

Gratz now sees the same faces all the time, of clients refinancing again and again — these days in the mid-3 percent range.

For more: Why does the government subsidize crop insurance in the first place? We try to answer that question in our latest podcast.

The federal government spends about $7 billion a year on crop insurance for U.S. farmers. Policies are sold by private companies, but the government sets the rates, so the companies can't compete on price.

Most Americans pay with plastic or cash when they visit the grocery store, buy their daily coffee, or fill up the gas tank. But a growing number of large companies are trying to change that.

Google, Starbucks and Wal-Mart are among the many firms that are eager to replace consumers' wallets and stores' cash registers, with smartphones and other mobile devices.

It's a tough day for the Harry Potters among us: Ebay said today that beginning in September it will no longer allow the sale of some, um, metaphysical products.

Among them: advice, spells, curses, hexing, conjuring, magic, prayers, blessing services, magic potions and healing sessions.

The Los Angeles reports:

At one point today, Facebook's stock price sunk to a new low. At about $19.69, it was worth about half of what it was initially sold for in May.

Bloomberg explains that what is happening is that early investors in the company — including founder and CEO Mark Zuckerberg — were allowed to sell some of their stocks for the first time today.

Bloomberg adds: