Record National Debt + Tax Cuts = an Alarming Scenario!

Andy Kim had a hit record back in 1968 with the song “Baby, How’d We Ever Get This Way?” That was a great question then and an even greater one today, especially when it comes to the national debt.

With a record high national debt and proposed tax cuts, I'm worried about our future and I'm not the only one! Can the federal government go bankrupt?

I feel a little like Sgt. Joe Friday of “Dragnet” as I give you “the facts and just the facts” on the status of “all things debt”. This week both the Senate and the House passed the Trump proposed budget for next year and it will not be cutting any of the national debt in the plan, that’s for sure. In fact, according to the Congressional Budget Office, the proposed tax cuts combined with the CBO’s already-projected mounting deficit could ultimately drive the deficit upwards another $10 trillion in the next 10 years. Increasing the debt another $10 trillion seems just crazy! Continue reading

Who Will Pay the Taxes When Robots Take Your Job?

It seems we are always talking about jobs and unemployment numbers, doesn’t it? After all, no matter who you are or where you live, earning a living is your major priority and concern. That applies even if you see yourself as a minimalist who is focused on being totally earth friendly and working just for yourself on the internet or even if you are a corporate mogul running a Fortune 500 corporation out in Silicon Valley. But as was heard long ago on the old 60’s “Lost in Space” TV show: “Danger, Will Robinson! Danger!”

In a world of increasing automation, tech and AI, is a robot tax in our future? How will government fund itself when our jobs are taken over by robots?

What will happen when robots take your job?

Robots are taking over the world’s workforce—and why shouldn’t they? For so many jobs, machines are faster, more consistent, smarter, and cheaper than you or I will ever be. As advances in artificial intelligence (AI) accelerate, robots will spread into all corners of the labor market: blue collar and white collar, service work and knowledge work alike. Continue reading

Fire Safety & Insurance: Are You Really Protected?

Sunday evening around 9:30 pm, my wife and I were sitting in our living room watching a movie when we heard the sounds of a fire engine racing nearby and saw the flashing lights outside of our window. At first we didn’t pay too much attention to it, but a minute later a second, third, and more engines started to turn in across the street in our condo complex along with several police cars and ambulances. Before you could say holy sh*t, we realized that someone’s condo was in the middle of a serious blaze. It was a complete shocker and very scary.

If you haven't reviewed your fire safety and insurance lately, you may be surprised to learn that you aren't protected as completely as you thought.

Fires can happen, we all know that!

Living in a condo where over 400 units are so close together makes the thought of a fire even more dramatic. A fire in one home easily spreads quickly and can engulf an entire block of homes in a short period of time. Even if you live in a single family home on a plain somewhere in Montana, a fire can happen and kill someone or ruin your home and life. Continue reading

What the Inflation Rate Means for You

If you’re anything like me, when you are out shopping these days you can’t help but notice the everyday prices of things seem to be going up and that influences whether you make a purchase now or wait for what you hope might be a better deal down the road.

The inflation rate is lower than expected, but is that good news? Some costs have increased while others have fallen, so it depends on your circumstances.

Are everyday prices rising?

Last weekend, my wife and I were browsing in a nice store for a new fragrance she wanted to purchase. The price was discounted online, but she wanted to go to a store and check out the scent. Since it was nice sunny afternoon, we decided to take the ride. While out and about and walking in the shopping center, my wife suggested that I was overdue for a haircut. I pride myself on scrimping on the cost of my haircuts and simply can’t bring myself to pay “boutique prices” for it. I have paid as little as $5.99 with a coupon not too long ago, and at most I have paid “senior” haircut prices of $12.00, grudgingly of course. Continue reading

Avoid a Summer Meltdown with These Ways to Keep Cool

Yesterday the temperature was in the 90’s here in New Jersey, and I was looking for some ways to keep cool without spending a fortune on air conditioning. It seems like this summer is off to quite a warm start all around the USA and it’s not even a month old yet. It’s been 100+ degrees in lots of places out west and in the 90’s here in the northeast, ugh! With another 10+ weeks ahead of us of warm and muggy days, what are you going to do to cool off?

When the temperature spikes, you'll need some ways to keep cool without spending a fortune. Try these simple tips to "chill out".

You could jet away to a fabulous resort vacation someplace in South America where the temps stay in the 60’s and 70’s in what is considered winter there. You can even take off and cruise in Alaska or Nova Scotia or camp out in the great state of Maine. Those trips would definitely do the trick except for one tiny problem. They can cost you a small fortune and if you are traveling with your family, kiss your financial peace of mind good-bye and say hello to Mr. Credit Card Debt! So what can you do to stay cool this summer without burning big bucks? Here’s my list of cool low- or no-cost ways to stay fresh, save you money, and not go into a costly “hot money mess”! Continue reading

…And The Savings Awards Go To: The 2017 SST Awards

I really value my free time these days. Truth be told, almost all of my time is free and since I retired, I say “every day is Sunday” these days. That’s how it really feels most of the time. So having that time means my mind often wanders to thoughts that otherwise may never come into my head. Like, oh say, writing about the SST Awards (Super Saving Tips Awards).

The SST Awards are my attempt to give savings awards to the businesses and products that save you money and provide you with the best quality and service.

These are the savings awards that I give to the businesses and products that save you, the consumer, the most money or offer the best deals that will earn you the most in cash and rewards! Oh, you haven’t heard about them? Hmmm, that’s strange. It was in all the papers. 😉 Continue reading

Are You a “Real Contender” in Life?

We all have heard the stories of those special people that started life at the bottom of the ladder and yet somehow miraculously climbed from the bottom all the way to the top! It’s not only great to hear about those events, but it’s pretty inspirational, too. I mean, we know it’s tough to make it under good circumstances and yet some people overcome what seem to be insurmountable odds and gain such lofty heights despite those disadvantages. So how do they do it? The first thing that all those people do to get into the winner’s circle and become champions is that they have to become “real contenders”.

To succeed in life, you need to become a real contender. Here's more about the mindset to adopt and how it relates to your financial health.

An Example Both Fictional and Real World

If you’re a movie buff, you probably love the ones about the guy or gal who overcomes all the odds. Remember “Rocky” the 1976 film (and then the 1979 and 1982 etc.)?  Currently numbering 7 films in the series, they not only entertain but they really do make you think about an underdog who makes it to the top. Rocky may not be a real character, but the star, Sylvester Stallone is a real life “Rocky” all by himself. After all, he was basically an unknown in Hollywood when he wrote, produced, directed, and starred in a film that no one ever expected to be a success, let alone become a historic franchise about good ole’ Rocky Balboa and whose stories have grossed over $1.3 billion dollars worldwide over the past 40 years! Continue reading

627+ Absolutely Free Things for You & Your Family!

I have to confess it, “free” is just about my favorite word. I just love free things and I don’t think there’s ever a time when I can have enough of them. You are probably saying to yourself, well if it’s free just how good can it really be? After all, who would give away free valuable stuff in this day and age?

There are many free things for you and your family to enjoy if you know where to look. Check out my list of everything from birthday deals to free events.

As hard to believe as it might be, there are literally hundreds of things you can get for absolutely nothing these days, and they are all a real value to you or to someone you know. The trick is in knowing where they are and what if anything you need to do to take advantage of these treats! Continue reading

Blogiversary Time: Celebrating 3 Years on the Blog

I’m 3 today! I know I don’t look my age. Must be in the genes. Amazingly, time continues to fly by and it’s hard to believe it has been 3 years since I started writing Super Saving Tips. It really has been fun writing posts, reading your comments, and answering questions you have submitted from time to time.

As we celebrate the 3rd blogiversary for Super Saving Tips, I look back on the journey thus far and thank all my readers for their time and attention.

A Look Back

In the beginning, back in 2014, it seemed so easy to sit down and write off a post about something that had happened to me during my career or something that happened to my family that I could share with all of you. Would you believe that since then I’ve now published almost 300 posts! Ironically, I have never really thought of myself as a writer. I’m not saying that just to elicit some kind words from any of you, I really didn’t write much or even well in school. I never really kept notes, a diary, or a journal about my career but I do have a tremendous recall of the events that I write about, even those from my long ago childhood. Continue reading

My New Cable TV Savings Thanks to a Little Complaining

Watching TV, having a telephone, and using the internet have become so dammed expensive these days, which is one reason people are “cutting the cord” left and right. My cable TV bill is now the same price as my monthly gas and electric bill is and that’s really ridiculous! But if you’re not ready to leave cable, for whatever reason, what can you do?

Lots of people are cutting the cord to cable TV, but you can still get savings with your cable package. Here's how I got my latest deal and saved a bundle.

This year, somehow they snuck in charging us to watch good old regular TV shows on demand if they are older than a few weeks. This is something I didn’t even know about until I went to view one episode of something I have missed on my DVR. This isn’t a movie or a special pay per view event, it’s a TV show! They all used to be free until this year. Continue reading