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A library card could get you more than just free (e)books. Depending on where you live, it could entitle you to free museum admission, online career development courses, and language-education programs. Some libraries even lend home improvement gear, musical instruments, and electronics. While you probably have to show up to get those goods, you may be able to sign up for a card online.

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A future is essentially a contract to buy or sell an asset or financial instrument at a certain price at a particular time in the future (get it?). Buyers and sellers dust off their crystal balls and try to lock in a better deal than what they think the market price will be. If that sounds risky, it’s because it is.

But don’t sleep on futures. While stock markets are closed overnight and on weekends, futures markets are open almost 24/7. So futures prices could give you a sneak peek at how stock prices or markets will trend at the next opening. That can be particularly interesting to follow if there’s a major event or announcement outside of trading hours.

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