Black Friday Shopping Tips to Save You Time & Money

Ready or not, holiday shopping is here with the arrival of November 1st this weekend. Black Friday, the day after Thanksgiving on November 27th this year has the stores preparing right now for what they expect will be their single biggest day of sales for 2015. It kicks off the four weeks between Thanksgiving and Christmas that will determine their fate for a successful holiday season.

Black Friday Shopping Tips to Save You Time & Money

I have been through Black Friday sales over 40 times in my retail career and have seen it all, from the bargains of a lifetime to sometimes completely foolish offerings purchased by a frantic public.Continue reading“Black Friday Shopping Tips to Save You Time & Money”

9 Really Scary Things People Do With Money!

October is the time of year that my mind wanders into the macabre. I can’t help it. It’s Halloween time in just a few days and frankly, I have to admit that I love being a little bit scared. And really, don’t we all? We pay good money to watch horror, gore and grizzly scary stuff in movies and at haunted hayrides, and so it just figures that we must love being totally frightened! But there is one area that I am seriously afraid of and I try to avoid like the plague, and that’s combining scary stuff with money stuff.

9 Really Scary Things People Do With Money!

 

Protecting my money comes in third on my short list of money priorities right after earning money and saving money. You would be horrified if you stopped for a second and considered the many ways people torture themselves making frightening and shocking decisions every day of the year. In the spirit of the season that is upon us, let me scare the living daylights out of you right now.Continue reading“9 Really Scary Things People Do With Money!”

Hidden Money Messages in 12 Popular Beatles Songs

I grew up at a perfect time to be a teenager. I was 14 in February 1964, just when the British Invasion came to America heralded by the arrival of the “Fab Four” known as the Beatles. It was their first appearance on the Ed Sullivan Show. I don’t think there’s a teenager who saw that show who doesn’t remember that night and the exciting changes that occurred across the nation as a result. 70 million people tuned in to see John, Paul, George, and Ringo, and from that day to this one, music was just never the same.

During all my teen years, the Beatles influenced everything from fashion to politics and from culture to music trends. Some 50+ years later, you can still feel the influences. Beatlemania was unlike anything before, and I doubt it will be like anything in the future.

Hidden Money Messages in 12 Popular Beatles Songs

It occurred to me when reviewing a list of Beatles songs (there are over 200 original recordings), that many of their song titles can be interpreted as encrypted messages about financial fitness and personal development. I may be taking some liberties here (alright, a LOT of liberties), but I looked through the many titles and came up with the top 12 songs that I have twisted into interpreted as money matter themes. I admit it’s a bit of a stretch, but I wouldn’t put it past them if there were actual hidden money messages for us all! Continue reading“Hidden Money Messages in 12 Popular Beatles Songs”

No Social Security COLA Increase in 2016

As a retiree myself, the recent news regarding Social Security benefits has me worried and troubled. Not only for me, but for the millions of people who are struggling to maintain an acceptable standard of living while relying on these benefits. I write about retirement planning here on this blog, and when things like omitting the cost of living adjustment occur, it’s an emphatic reminder that we all must plan appropriately for our golden years if we want to be able to enjoy them.

No Social Security COLA Increase in 2016

Beneficiaries will not get a cost of living adjustment (COLA) in January 2016, the Social Security Administration (SSA) announced this past Thursday. For seniors and others receiving benefits, this can make managing finances a more difficult experience. Continue reading“No Social Security COLA Increase in 2016”

How to React When Your Adult Child Asks for Help

When you’re a parent, you don’t want to see your children suffer in any way, whether it’s from a boo-boo when they fall off their tricycle, or because they can’t pay their bills after a job loss. But as parents, we also know that we can’t protect them from everything and sometimes those bumps and bruises are needed to teach us things in life.

How to React When Your Adult Child Asks for Help

I have two adult children, a daughter in her thirties and a son in his twenties, and while I don’t hear from them as often as I’d like, my daughter recently called me. She was looking for money to pay some of her bills, and this wasn’t the first time. When your adult child asks for help, as a parent your first instinct is to protect them, but before your heart hits send on that money transfer, there are some questions your head should ask:Continue reading“How to React When Your Adult Child Asks for Help”

8 Money Mistakes That Can Ruin Your Finances

There are so many ways, subtle ways, that we sabotage our finances and sometimes we don’t even realize we’re doing it. We become conditioned thinking we are on course and then we get blindsided by our poor planning or careless spending habits. Money mistakes have happened to us all, probably more that a few times.

8 Money Mistakes That Can Ruin Your Finances

Here’s my list of some of the big offenders and some solutions you can try if you find yourself too often behind the eight ball.Continue reading“8 Money Mistakes That Can Ruin Your Finances”

Goal Planning or Do You Believe in M.A.G.I.C.?

Just about everyone has dreams, hopes, and visions of what they want their lives, jobs, and families to be like. It’s our nature to think about these things and work towards our desired result. But how do you get there?

Goal Planning or Do You Believe in Magic?

A plan is the first step in achieving our goals and with no plan, getting where we want to be is very unlikely. “Winging it” just doesn’t cut it. Wishing and hoping, well you already know from your own life experiences that that doesn’t work either. So now you may be thinking, where do I go from here? Continue reading“Goal Planning or Do You Believe in M.A.G.I.C.?”

Fall Into Super Savings Right Now!

It’s officially Fall 2015 and we can already tell just by the temperature (49 degrees here this morning!). When the temperature falls, that means savings are in the air as well. So here’s an opportunity to hunt for real bargains that may be on your shopping list. There’s actually double opportunities in October to get great prices…last of the summer merchandise sales as well as the start of fall and winter goods.

Fall Into Super Savings Right Now!

Let’s begin with the big deals for fall savings:Continue reading“Fall Into Super Savings Right Now!”