The Survive and Thrive Boomer Guide

Price gouging persists on Amazon, consumer group reports

Despite U.S. PIRG Education Fund calling out Amazon and other online retailers for allowing price gouging in their online websites at the beginning of the coronavirus pandemic, a new analysis shows that the problem is still serious.

Six months later, U.S. PIRG Education Fund revisited whether Amazon had lived up to its promise of tackling price gouging. Its new analysis looked at 10 products found on many shopping lists during the covid-19 pandemic, including hand sanitizers, disinfectant wipes, and digital thermometers.

Of these items, options from Amazon were two to 14 times more expensive than the identical products sold at other retailers. Some examples include:

Baby Boomer get through Labor Day as they have other parts of covid-19 life

On Labor Day in my community, we usually celebrate Harbor Days. I go to the waterfront and take photos of the boats, people, and booths selling food and typical summer fair items.

This year, in the era of the coronavirus, we had Harbor Days Lite. No tug boat races were held.

People were encouraged to construct Lego tugboats, make a maritime display in their yard, enter a beach photo contest, see tugboat paintings online, go to an art show in the windows of a historic fire station, and watch videos of maritime music.

I didn’t bother to go to the waterfront. I took my own advice from the articles I wrote for Labor Day: Stay close to home for the holiday weekend.

Meanwhile, baby boomers are writing about:

Facts and figures for Labor Day 2020

As Labor Day approaches, it’s a time to celebrate American workers and take a look at how they’ve been impacted by the covid-19 pandemic. Although the United States is slowly regaining lost jobs, the national unemployment rate is still higher than normal at 10.2 percent as of July 2020.

The high level of unemployment, along with the continued spread of coronavirus and its huge economic impact, has led many American workers to be concerned about whether they’ll get laid off.

In these difficult times, WalletHub conducted a survey, which found that  The survey also had questions about people’s plans for Labor Day.

Below are highlights from the survey:

Source: WalletHub

Copyright 2020, Rita R. Robison, Consumer and Personal Finance Journalist

Baby boomers trying to figure out a new normal in the coronavirus era

As cases of coronavirus spike and scores of people ignore the pandemic, boomer bloggers are venturing out into the new world we have now.

It’s tough. You have to weigh the risks of going out and continually be on the lookout for people not wearing masks. That includes people walking in your neighborhood without masks.

Now, I have to figure out how long covid-19 aerosols hang in the air.

What to buy at Labor Day sales

When Labor Day comes, many of us think about the end of summer. This year of the pandemic is so different.

Rather than having a big barbecue, we’ll probably have a gathering with our small social group. And, as for shopping, it’s likely that we’ll be looking for bargains online rather than going to stores.

Dealnews.com offers these tips on what to expect from Labor Day sales in 2020, including when they'll start, what items will be discounted, and the kinds of deals you'll see.

The sales

Labor Day is on Sept. 7 this year, but sales will begin way before the holiday weekend. Look for sales now.

Fourth of July Sales and what to buy and not buy in July

What are your July 4^th plans?

This year, three-quarters of consumers plan to celebrate Independence Day, down from 86 percent in 2019, according to a survey conducted for the American Retail Federation. Much of the decline is because fewer consumers plan to go to traditional celebrations such as a fireworks show. Only 24 percent said they plan to celebrate the Fourth by attending a community celebration, compared with 41 percent last year.

Consumers plan to spend $76 on average, which about the same as previous years. And more than half of consumers expect to plan a cookout or BBQ.

Independence Day sales

July 4^th sales are underway. It’s a good holiday for discounts and brings savings on many items, according to DealNews.com.

Sign up for my newsletter and get 10 helpful financial tips each week

For several months now, I’ve been writing a weekly newsletter called “Helpful Money Tips for You.” If offers the latest information on how you can get what you want for your money.

This week, I came across a most helpful tip. It's to check your rewards cards, especially those related to travel since you might not be traveling now, and see what your balances are and what you can do about rewards.

I checked with one credit card, the one I usually use for airline tickets and travel. I only have about 1,700 points. The credit union redemption center said I’d need 2,500 points to get a $25 gift card. I’ll start using that card for groceries and other purchases to get the cash back. The points don’t expire until March 2022.

On my other card, I have about 36,000 points. That’s the one I’ve been charging my groceries and Amazon purchases on, a lot of Amazon shopping going on during Stay Home, Stay Healthy. It doesn’t have a cash back option. I can get three Visa gift cards for $100, costing 11,000 points each. Or, I can get gift cards for a specific store or Amazon, $350 for 36,000 points.

That’s exciting news. I’ll give some thought on what to spend $300 to $350 on because I’m not traveling to Spain (like in the photo above) and my daughter and her family won’t be coming this time of year to visit from Spain. And we won’t be going to Sacramento to visit my daughter and her family there in July, like we usually do.

So, this is the kind of helpful financial information you can get from my newsletter. Sign up by clicking on this link: eepurl.com/gkZ6JH. Or, fill out the form on the upper right of this page. Thanks. I look forward to getting your feedback.

Copyright 2020, Rita R. Robison, Consumer and Personal Finance Journalist

What to buy and not buy at Memorial Day sales 2020

Memorial Day sales have begun, even though stores aren’t operating like they usually do due to the coronavirus pandemic. Shop online for safety or pick up items you’ve ordered from local retail stores.

Many states have opened retail stores, including Georgia, Florida, Texas, and Iowa. However, I wouldn’t take the risk to go shopping for clothes or other items yet. About a dozen states – Alabama, Arizona, Kentucky, Maryland, Minnesota, North Dakota, Texas, Wisconsin, and Mississippi – have opened retail stores even though their coronavirus cases are going up or have plateaued rather than dropping. See this New York Times article on the reopening plans of states.

DealNews.com suggests consumers look for Memorial Day deals on:

What to buy and not buy in May

Depending on where you live, you may or may not be able to go out and shop during the month of May. However, even if you’re still staying at home you can shop from home.

While it’s important to continue to limit your shopping to essential items, because you don’t put a burden on employees who are still required to go to work to handle your order, there are important things going on in May, such as buying birthday presents for May birthdays and Mother’s Day. I mention that because my birthday is in May, and I’d like to get a present to cheer myself up.

Here are tips from DealNews for May shopping:

Star Wars items

Star Wars Day is May 4 — as in "May the Fourth Be With You" — and companies often celebrate by offering deals on different kinds of merchandise.

Even though May 4 is my birthday, I’m not longing for a Star Wars t-shirt.

Mother’s Day

Traditional gifts such as flowers and jewelry will likely jump in price right before Mother's Day, which is May 10 this year.

Watch out for phony florists when you order flowers for Valentine’s Day

If you’re ordering flowers for Valentine’s Day, be careful you don’t fall for a scam as a last-minute shopper. 

The Better Business Bureau has received numerous reports from shoppers who turned to online florists for last-minute orders. They paid for a beautiful arrangement but ended up getting disappointing flowers – or nothing at all. 

How the scam works

Since you can’t get flowers locally, you try the internet. You enter your credit card information and delivery details.

From here, the scam can take a few different routes. Your flowers are delivered, but they don’t arrive on time, are damaged, or look nothing like the picture. Your attempts to get a full or partial refund go unanswered or are flatly refused. In other scams, your flowers are never delivered, and the online florist shop becomes unreachable. Other consumers have reported that after paying, they’re contacted by the florist shop and forced to upgrade their purchase, paying extra for something they don’t actually want to buy.