Not sure if you're aware, but if you join REI (one-time, $20 fee), you receive a 10% annual dividend for your new purchases. Garage sale and regular sale items aren't included.
I got my bonus this week and spent some time at REI today picking out a new backpack, which I also got 20% off, and a replacement hiking hat, I left mine on a bus in Spain.
What did you spend your dividend on?
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