Category: Shopping Tips and Advices
Are you a shop-a-holic? Or a mall-a-phobic? Let the stars size up your shopping style: Back to school means back to the stores.
Leos love taking chances, going to dances, having romances-and stealing all the boys’ admiring glances! Your charisma is legendary… and so is your lion-size temper! Still, when you flash that sunny smile and clown it up, you’re the life of the party. In fact, it feels like a party just to be with you. You’re a magnet with that classy laugh, superb posture, and bodacious mane of hair!
Guess what: Your circle of friends is going to expand over the next year. New and old pals will revive your social life; join as many clubs and groups as you want for the best luck.
Aries (March 21 to April 20)
The decisive shopper. You like to zip in and out fast. Long lines and pals who take all day to decide drive you crazy. Shop alone at malls, where you can pop into small stores and make a speedy getaway.
Taurus (April 21 to May 21)
The quality shopper. You like to go to department stores, where you’d rather get a great pair of jeans than three cheap ones that fall to pieces in six ugly weeks! You shop slowly, carefully, and wisely.
Gemini (May 22 to June 21)
The perennial shopper. Boutiques, five and-tens, department stores, malls-you love them all. You like to hang out with friends, buy clever doodods, study the latest fashions-and then shop some more!
Cancer (June 22 to July 23)
The queen of shoppers. You love to shop at home–by raiding your mom’s closet! You love old clothes. And as a champion bargain finder, you have a sixth sense for finding fantastic clothes at sale prices.
Leo (July 24 to August 23)
The princess shopper. Saks, Bloomingdale’s, and the Neiman-Morcus catalog are Your Majesty’s favorites. You like the best, and you don’t mind returning items if they fail to please you, either!
Virgo (August 24 to September 23)
The nervous shopper. You loathe the tacky atmosphere in discount stores; you feel crawly because you think the clothes might be dirty. You like bargains but prefer liner stores: The hems stay in longer!
Libra (September 24 to October 23)
The true shop-a-holic. Shopping is an essential function for Librans, like eating. You were born to shop-anytime and everywhere. When you can’t shop, it’s time to call in the doctor.
Scorpio (October 24 to November 22)
The fussy shopper. You’re very sure of what you want, but you don’t often find it. Take a Libra along to help. Intense and emotional, you agonize over choices. You hate crowds and love discount outlets.
Sagittarius (November 23 to December 21)
The impulse shopper. You like a big sale, a deal, a bargain, auctions, outdoor flea markets, and ethnic and foreign shops. You already own 101 pairs of sweatpants; you snicker at designer labels.
Capricorn (December 22 to January 20)
The organized shopper. You pore over the paper searching for sales; when you find an item you like, you get two in different hues. You’re an extremist, too: It’s either the best or the cheapest for you!
Aquarius (January 21 to February 19)
The eccentric shopper. Thrift shops, secondhand stores, garage sales, army/navy stores, and pretty boutiques have the cowboy boots, odd hats, and wild stuff that you enjoy so much!
Pisces (February 20 to March 20)
The shoe shopper. Soon you will have 4,907 pairs of shoes in the closet, but it doesn’t hurt to look for more, eh? You like nice, quiet boutiques, too, but shopping solo is no fun. Bring a friend.
A new “smart boot” can warm up cold feet, thanks to a built-in heating system controlled by a smartphone app.
Called the “world’s first luxury heated smart boots,” the footwear will work with both iOS and and Android headsets, connecting over Bluetooth. Wearers of the Lundí boots can adjust the temperature of the smart footwear by using a temperature slider on the mobile app.
According to the maker, the boots will warm up in less than a minute, depending on how cold it is outside. The warmth comes from a heating element embedded within flexible cushions in the boots.
The battery is said to last for seven to eight hours, and can be wirelessly charged using a special boot shaper that is similar to the cardboard inserts supplied with most new boots. It takes around 1.5 hours to fully charge the battery, makers say.
Crafted from leather, the boots include a covered wedge heel and are water-resistant, while the heating system is entirely waterproof.
The makers of the Lundí smart boots are seeking funding on Kickstarter, with boots available for $649.
Once the high-tech boots go into production, the full price will be $775. If the funding target is reached, the first boots are due to ship in November 2016.
You know bankruptcy and missed payments, but they can be just as bad.
You pay your bills on time and never miss a payment. If you’re still having problems with credit, something on your credit report could scare lenders.
Everyone knows the gremlins that haunt the major credit reports: items such as bankruptcies, foreclosures and payments, late or even missed. Less dramatic items can also cause some anxiety among lenders inconsistent.
When you apply for a loan or a card account, lenders review your credit score and pull your credit report. Or they can take this report and pump through one of their own rating systems.
If they do not like what they see, you may be rejected. Or you can get approved with less favorable conditions. And it’s not just new applicants who have run the gauntlet. Credit card issuers to periodically review the records of existing customers, too.
Even more confusing is that different lenders zero elements of the credit report. So it’s quite possible that even for the same loan, no two lenders will see your credit history, in exactly the same light.
Think there might be something hateful about hiding your credit report? Here are six items that could scare lenders.
1. Multiplying Lines of Credit
Opening a new map is normal. Opening three in a short period of time could signal something bad happens in your financial life.
When it comes to card issuers of credit, “the window auditing has shrunk,” said Norm Magnuson, vice president of public affairs for the Consumer Data Industry Association, the trade association of companies credit. “It used to be months and months. Now, you will find firms that monthly monitoring of account or every two months.”
And the only thing that these issuers do not want to see is that you ask all in town to lend you money.
“It would raise some questions,” he said. “This could be an indicator of something going on. I do not think it’s in the best interest of all consumers to go and be a collector of credit lines.”
2. A short-sale housing
“We told people short sales will not hurt their credit,” says Maxine Sweet, vice president of public education for Experian credit bureau. “But there is no such thing as a” short sale “in terms of how the sale is reported to us.”
“The way the account is closed is that it’s settled for a lesser amount than what you agreed to pay originally,” she said. “Status is” settled “. And it is just as negative as a foreclosure. ”
A tip: negotiating for the lender does not report the difference between your mortgage and what you paid as a “balance due” on your credit report, says John Ulzheimer, formerly of FICO, now president of consumer education for SmartCredit.com. Your credit score will take a heavy blow, but this action will not soften the blow, he said.
Sweet’s advice is not to dismiss the notion of a short sale, just go on with your eyes open.
“This may be the right decision to leave the house,” she said. It can be “better than a foreclosure in the economy, moving from the house and move on with your life. Do not expect to walk away with no impact on your credit history. ”
3. Someone Else’s Debt
Here’s something you might not know: When you co-sign on the dotted line to help someone else get a loan or card, the entire debt is on your credit report.
While the fact that you co-signed is neither good nor bad, it means – to the extent that any potential lenders are concerned – you of the debt yourself. And will be included in your existing debt burden when you apply for a mortgage, credit card or any other form of credit, said Ulzheimer.
And if the person you co-signed stopped paying, paying late or missing payments, that bad behavior is likely to go on your credit report.
So when someone tells you that co-signature is painless, because you never have to part with a penny, you can tell them that this is not true. Co-signing means accepting not only to repay the obligation, if necessary, but also to allow the debt – and all non-payment – as against you the next time you apply for credit you same.
Co-signing for a friend or family member “plays well with the Thanksgiving table, but it does not play well in the underwriting office,” said Ulzheimer.
4. Minimum Payments
If creditors make money when you carry a balance, the lenders who view your credit report does not like to see you pay just the minimum.
“It suggests that you are experiencing financial stress,” says Nessa Feddes, vice president and senior advisor for the American Bankers Association. “You can be delinquent,” she said.
Pay the minimums from time to time does not necessarily signal a problem, she said. For example, minimum pay in January, after holiday spending. Minimum one month or pay you expect your annual premium to reach.
But always pay the minimum after months months signals that you can not pay the full balance, and your current and future lenders will see that as a red giant “stop” sign when it comes to grant additional credit.
5. A Lot of Inquiries
This is similar to hiring a large number of new loans. When tightened lending standards, many borrowers, subprime borrowers in particular, had trouble getting credit, said Sweet. This meant they had to be applied several times to try to get what they wanted.
And with the VantageScore at least, that “really influenced the impact of investigations – they are more important than they used to be,” she said.
With the FICO score, the impact of investigations has remained about the same, according to Ulzheimer. Every time you allow a potential lender to pull your credit report, your score can take a small hit. The exact impact varies with the consumer, the score and the number of inquiries.
And if you apply for a mortgage, auto or student, you can minimize the damage by all applications within two weeks. When you do this, the beam score of all similar investigations and treats them as such. Unfortunately, there is no grace period for applications like credit card.
6. Cash Advances
“Cash advances, in many cases, provide the despair,” says Ulzheimer. “Either you have lost your job or are underemployed. Nobody comes out cash advances against a credit card because they want the money sitting in a bank somewhere.”
Because the interest rate is usually higher than the cost of credit card “, you are usually borrow from Peter to pay Paul,” he said.
How it hurts: first, the cash advance is immediately added to the balance of your debt, which lowers your available credit and can lower your credit score, says Ulzheimer. And all potential lenders will see your score.
Second, card issuers more regularly re-evaluate the behavior of their customers. To do this, they often get the credit report, the FICO score and history of the customer’s account and put these three ingredients through their own rating systems, said Ulzheimer. Many scoring models penalize for cash advances, which are often considered risky, he said. From your account history is only available to the issuer, only your behavior score with this card is likely to be affected, he said.
However, if the issuer slices of your line of credit or cancel your account, which could affect your credit score. And that could affect your relationship with other lenders.
Saving and spending are the two most important elements of your life and your money. Unfortunately, money does not control many factors in life. It controls where you live, what foods you can buy, and many other things. For those who spend more than they earn, they can “look comfortable” but those looks can certainly be very misleading. We call these types of people “keep with the neighbors,” because they are deep in the debt and buy things that may be out of their price range so they can have as many cars as nice a house as his neighbor in the street. This can get you far in debt you may have to declare bankruptcy. Of course, this is not what the goal is.
Save your money, even if you are only 10 dollars an hour, it’s very doable. Ot just a small bit of your weekly income and put it in a savings account. A great way to make sure you save is to create an “allowance” that takes money directly from your paycheck or direct deposit and put it in the savings account and you never need to touch the money. Do not know what it is in the savings account. Some people literally can not save money is in their hands. The temptation is too great. Therefore the allocation of savings to the idea is great. Even if only $ 5 a week, saving something is the key here.
When it comes to spending money, you simply need to evaluate your budget. Of course, you want to subtract all your needs such as electricity, water payments, rent or mortgage payments to pay car loan, or credit card payments, and any other important projects of the total money available. You also have removed everything you put in savings and just pretend that this is not if you have never tried to touch him. Simple as that, you can skip all that is excluded from this number when you subtract your total cost of your total cash.
However, a great thing to do is to spend only what you need and maybe a few luxuries you can afford. If you have something left after spending some money, you can put in your savings account to accumulate leave. Some people have a hard time doing this, but it is very important. You can save this much more than you ever expected when you can just control your spending. It is obviously easier said than done, as many people spend every penny they have available, and a few cents, even they are not spending and borrowing from creditors and the interests of payable on these things and sometimes to pay 20 percent more than what you paid for it because of that interest.
Saving and spending are simple but what is really important is self-control and discipline. If you can control your spending and at least put some in savings and not to plunge into it, you are really great! You do not have to be rich. Sometimes being rich means being debt and buying things you can not afford. So you buy a smaller house, but at least you have money in your poche.
A survey of over 100 Web retailers found the best sales for every day of the week.
We already know some of the best shopping deals are found online – but did you know some days are better than others to find the steepest discounts? ShopItToMe website which scours sales at more than 100 online retailers, ran a survey for me showing what days of the week certain categories of items carry the biggest discounts. From sunglasses to bathing suits to handbags and menswear, they got me the inside scoop.
My advice is to read this through, click print and keep the list stored by your computer as a helpful reminder next time you want to shop on the Web. Dozens of sites like RetailMeNot and Bargainist collect promotional codes for discounts on Web purchases. To find them on your own, try Googling the name of the shopping site with the words “coupon code” or “promotion code.”
Many retailers offer free shipping promotions from time to time or have thresholds at which they’ll ship for free. But, some of my favorite online shops such as Endless, RevolveClothing, Shopbop, and Piperlime, always offer free shipping.
Related Links: Art Burger Online Store
These tricks could raise your income or reduce expenses without affecting your quality of life.
It’s painfully clear Americans are still hurting financially. Jobless claims are far too high if we’re actually in any kind of meaningful recovery. Penalty withdrawals from 401(k) plans have been increasing, not shrinking. Mortgage rates are hitting 40-year lows with regularity and we still can’t find a pulse in the housing industry.
If there was a magic wand that would sharply raise incomes or reduce expenses, we’d be out there waving like mad. But that doesn’t mean there aren’t ways to cut and stretch. If you can afford it, give yourself some transition time to get used to spending cuts. Some will come at too steep a price in terms of your quality of life. But others may be painless, and you’ll never look back.
1. Know where your money goes.
This is Number One Obvious Idea that many people don’t follow. How can you possibly know how to save money if you don’t know what you spend it on? There are a growing number of online budgeting sites to help you. Use one, or do this yourself. Whatever you’ve been spending each month, try cutting it by 5 percent. Then cut it by another 5 percent the following month. Keep it up if you can, and put the savings in the bank or pay down debts.
2. Make a grocery list and don’t stray.
Once you’ve tracked household spending, you will see how much you spend at the supermarket. What’s less clear is that you also probably spend a lot of money on stuff you don’t need. In our house, we began downsizing our grocery spending by seeing what we were throwing out and the items that had freezer burn and should have been tossed. This helped sensitize us to unnecessary purchases. (My mom passed away nearly 30 years ago and I can still remember her hollering at me about wasting food.) We also save money by making fewer runs to the store. Our greatest savings come when we make a weekly meal plan, create a shopping list for that plan, and then buy nothing but what’s on that list.
3. Mothball a car.
If your household has two cars, try leaving one in the garage for a month. See how it affects your life. With a modest amount of planning, a lot of households might be able to make do with a single car. Once you’ve determined that you can do likewise, sell the second car, bank the money, and also begin enjoying lower bills for auto insurance, gasoline, and maintenance.
4. Try free phone service.
I’ve bought and used the MagicJack service, which is the most popular of its type. You order a small device — perhaps an inch and a half by three inches and about an inch thick — and it connects to your home computer. The software that launches when you connect the device provides easy-to-follow instructions. MagicJack also links from the computer to your existing phone set. So, you are making your phone calls over the Internet but using a regular telephone to do so.
I’ve found the audio quality higher than with products that require separate headphones and microphones. And picking up the phone is such a long-ingrained habit that there didn’t seem to be much to learn. You do need to get a new local phone number, which Magic Jack will provide at no extra charge. After the initial fee, there is no charge for domestic phone calls. This switch can easily save you hundreds of dollars a year. Think about keeping your existing phone line for a transition period in case MagicJack or a similar device doesn’t meet your needs. If you like the MagicJack and also have a cell phone, if could make sense to cancel your home land line and switch your home phone number to your cell. You’d lose your existing cell number but you’d at least be able to keep your old home number.
5. Trim television services.
Hey, I love my cable, and millions others love their satellite dishes. But if the times demanded, I would wave goodbye to a bundle of monthly cable charges. I’d also be in mourning during football season but I’d survive. I would install a digital antenna. And I’d begin making much heavier use of free online video sites that the networks and other providers offer.
6. Recheck insurance rates.
A year ago, I went out shopping to explore replacing all my insurance coverages. I wound up saving a bundle. When you’ve had your auto, home, life, and other insurance policies in place for several years, it’s easy to forget what I call “creepage” — those annual bump-ups in premiums. They really add up after a while. And while constantly rising health insurance rates may make it seem like premiums can only move in an upward direction, that’s not true. When you do shop around, you also may discover that your coverage needs have changed. If your cars are the same ones you had five years ago, for example, you probably don’t need as much collision insurance as you once did.
7. Forget about green; go brown!
The summer has been brutal where I live. But with dollars at stake, I am becoming very environmentally responsible. So what if even the goats pass by my yard?
Gas station payment terminals have many characteristics fraudsters love.
Would you give a thief direct access to your checking account? No? Unfortunately, you may be doing just that by regularly using your debit card. Debit cards may look identical to credit cards, but there’s one key difference. With credit cards, users who spot fraudulent charges on their bill can simply decline the charges and not pay the bill. On the other hand, debit cards draw money directly from your checking account, rather than from an intermediary such as a credit card company.
Because of that, even clear-cut cases of fraud where victims are protected from liability by consumer protection laws can cause significant hardship, says Frank Abagnale, a secure-document consultant in Washington, D.C.
He cites the example of the The TJX Companies Inc.’s T.J. Maxx data breach that exposed the payment information of thousands of customers in 2007. The incident resulted in $150 million in fraud losses, and much of it was pulled directly from customers’ bank accounts. While credit card users got their accounts straightened out and new cards in the mail within a few days, the case created major problems for debit card holders who waited an average of two to three months to get reimbursed, Abagnale says.
While debit card fraud is always a possibility, being careful where you use it can help keep your checking account balance out of the hands of criminals.
Retailers have turned the one-day bonanza into a week’s worth of hot sales.
…There may be just one Black Friday — the day after Thanksgiving — but retailers are offering deals pretty much every day this week. “It’s become Black Friday Week,” says Deborah Mitchell, executive director for the Center of Brand and Product Management at the University of Wisconsin-Madison. “Like Super Bowl Sunday, the main event is later in the week, but everyone is gearing up and excited now.” Not all the best discounts, however, are saved for the big day, and shoppers who stick to Black Friday may find they’ve missed out, she says. “Smart shoppers will be looking every day.”
The wider spread of sales throughout the week, both before and after Black Friday, has another advantage for shoppers. While stores typically suspend their price matching policies on Black Friday, most will meet a competitor’s advertised deal on other days this week. They may also offer a credit on an item recently purchased for the difference between the purchased price and new sale price, says Edgar Dworsky.
But there’s a catch, say retail experts. Many of the deals are blink-and-you’ll-miss-them opportunities which are available for a few hours, or until a limited supply runs out. Here’s what to look for each day now through Cyber Monday:
Many stores have already kicked off their Black Friday countdowns, offering one-day deals that come close to — or in some cases beat — their Friday prices, Mitchell says. Best Buy, for example, had a 55″ LG LED HDTV Monday for $898, a 31% discount and $100 cheaper than a planned Samsung door-buster for Black Friday of comparable quality. Amazon.com launched its Black Friday deals site Nov. 1, and has new offers each day this week. A number of stores, including Lowe’s and Home Depot, are promising that Black Friday prices are already in effect, Dworsky says.
Big pre-Black Friday sales, including those from Newegg.com and Target wrap up on Wednesday. Shoppers also may benefit from waiting until midnight, when many Thanksgiving online-only deals could go into effect, Dworsky says. Since most retailers have specified turkey-day deals, but haven’t offered details on availability, it may only be worth it if you’re already up late making the pies. “Last I checked, Nov. 24 still had 24 hours in it, so you could wait up for nothing,” he says.
Shoppers stuffing the turkey at 6 a.m. may find their time waiting for the bird to roast well spent shopping. Kmart will be open from 6 a.m. until 9 p.m., and Best Buy plans to release a number of online-only sales that day. Gap Inc. plans to open 1,000 stores — including 800 Old Navy stores and a number of Gap and Banana Republic outlet stores — for limited hours on Thanksgiving. “We know from the receptiveness of Thanksgiving hours over the past two years that many consumers want the ability to jump-start their holiday shopping,” says Louise Callagy, a spokeswoman for Gap. She says Old Navy will offer 3D glasses for shoppers to spy hidden games, messages and extra discounts around the store.
On the later side, Toys R Us will open its doors for Black Friday at 9 p.m. on Thanksgiving, followed an hour later by Walmart. But leaving in time to get in line may require cutting Thanksgiving celebrations short. Mitchell suggests double-checking the ads to see which in-store-only deals (if any) are worth ditching the family.
More deals are rolling in at midnight this year, with retailers including Kohl’s, Target, Best Buy and Macy’s pushing forward the usual 5 a.m. store openings. Online shoppers will find plenty of deals at that time, too, with online-only deals and some of the same door-busters that are available in stores, says Andrew Eisner, the director of content for Retrevo.com. Despite waning interest from consumers, Black Friday is still one of the best days of the year to get bargains, he says. Anticipated deals include a $200 42″ Sharp LCD HDTV at Best Buy, and a $350 HP laptop at Office Depot. But shoppers must also contend with very limited quantities of those deeply discounted items, as well as some misleading sales on older items that aren’t the latest technology, Eisner says. Many of the sale Blu-ray players, for example, require shoppers to buy an extra WiFi adaptor, while laptops tend to have older, slower processors.
Shoppers have added incentive to keep their mobile phone on hand this year. Stores including Bon Ton, Macy’s and JC Penney have said they plan to have more mobile coupons available. Toys R Us announced last week that it will offer shoppers who check in on Foursquare special “swarm” deals including $50 off the $170 Imaginarium City train table and 40% off the Incredible Edibles toy line.
Big-box stores will continue some of the same sales they offered on Friday, with a different round of door-busters. Given limited inventory this year, shoppers shouldn’t count on these items being in stock, says Dworsky. You may find deals on items that are less likely to sell out. Sears, for example, has a door-buster of 30% off Kenmore Elite appliances until 1 p.m. on Saturday as well as $200 off a broad range of Craftsman tool sets.
It may be worth browsing mom-and-pop shops, too. Many are participating in American Express’s “Small Business Saturday.” The card company is offering a $25 credit to shoppers who register their card and spend $25 at a small business that day. Plus, many stores are offering their own deals, including 20% off at McNally Jackson Books in New York and up to 25% off designer denim at AB Fits in San Francisco.
Savvy shoppers should check out eBay in the early morning hours, says Tim Dubroy, a spokesman for eBay market data firm Terapeak. “We noticed a couple of years ago that sales are higher on the Sunday after Thanksgiving than on the Monday after,” he says. eBay sellers scanning Cyber Monday ads often price their items competitively. Last year, for example, a Dell Zino HD desktop sold for an average $340 on eBay on Sunday — $9 less than the Dell.com Cyber Monday price that several gadget blogs touted. Sellers also matched a $399 Amazon.com deal for a Panasonic Lumix DMC-G1 digital camera. For the best deals, bid or buy before 2 p.m. Eastern, when prices rise as more shoppers head online, Dubroy suggests.
“There’s been so little talk of Cyber Monday this year that you have to wonder if it even exists,” Dworsky says. The National Retail Federation reports that 45% of retailers plan to offer a coupon or percentage-off sale, about 38% will have a limited-time promotion and 30% will offer free shipping on some orders. (In comparison, last year 49% had special offers, 41% offered one-day sales and 22% had free shipping on all purchases.) Still, it’s worth browsing the sales, if not necessarily waiting for them, he says. AT&T plans to offer several smartphones — including the HTC Inspire and the LG Thrill — for a penny when consumers sign a two-year contract, similar to a deal Amazon.com has scheduled for Black Friday weekend. Clothing chain Express offers 30% off all online purchases plus free shipping, which is 10% less than its Thanksgiving and Black Friday morning in-store offers.
Brown Red Gold Abstract Postcard
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Classic White Mug
Your favorite photo or funniest saying is a great way to start the day. Use our white mug to showcase your creativity. It has a large handle that’s easy to hold and comes in 11oz and 15oz sizes. Dishwasher and microwave safe. Makes a great gift!
Neon Music Notes Iphone 4 Cases
Black Friday is coming early! Starting this weekend of November 5th, major retailers will begin offering “Super Saturday” sales as they count down to Black Friday weekend.
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