The Survive and Thrive Boomer Guide

Baby boomers bundle up and keep writing

Burr. An early chill descended across the county, and Jennifer Koshak of Unfold and Begin said they were even feeling it in Florida. One day, the daytime temps didn’t get out of the ’50s. Sigh. Although we don’t often have snow here in the Seattle area, it’s been cold, cold, cold.

However, the cold isn’t stopping boomer bloggers from their work. Last week’s articles include:

• Favorite recipes for Thanksgiving.
• The number of retirees with mortgages dramatically increasing.
• Thrift shop shopping.
• How to change your life when you have obligations.
• A mini-vacation to get out from under the November gloom.
• How to get rid of a ladybug infestation.
• A way to support someone who’s grieving or facing a health challenge.

Jennifer Koshak of Unfold and Begin writes about these articles on the Best of Boomer Blogs #623. Click here to get the links to the articles. Then grab a blanket, bundle up, and enjoy these great articles.

Copyright 2019, Rita R. Robison, Consumer and Personal Finance Journalist

Get prepared for Black Friday with this strategy guide

Black Friday can be an exciting time; however, it also may be overwhelming. By being prepared for Black Friday, you won’t miss the best deals.

Dealnews.com recommends these strategies to help you have a smoother experience:

Make a budget now

The first step is deciding how much you can afford to spend this holiday season. Determine the items you absolutely must have, including gifts and other purchases you've been saving for. And be sure to leave room for incidentals, such as pop-up holiday parties or friendly gatherings. After you’ve made a list, calculate the maximum amount you can afford – and be prepared to stick to it.

What to look for in Columbus Day-Indigenous Peoples Day sales

Before Black Friday, Indigenous Peoples Day and Columbus Day sales are occurring, and some of them are worth shopping.

However, the last couple of years, DealNews, a comparison shopping website, has seen a downturn in Columbus Day-Indigenous Peoples Day sales. In 2018, it listed only 22 Columbus-Indigenous-branded sales between October 1 and October 13. However, within that same time frame, DealNews listed 161 sales total. Aside from the Columbus-Indigenous branding, it saw many clearance, friends and family, fall, and harvest events, and even a "Rediscover America" sale.

These alternate names could be due to the controversy surrounding Columbus Day, according to DealNews. However, it's also possible that many retailers don't want to add another sale to their lineup so close to Black Friday.

DealNews offers these tips for Columbus Day-Indigenous Peoples Day sales:

Federal agency charges multi-level marketer with operating a pyramid scheme and imposes a $150 million fine

Multi-level marketer AdvoCare International and its former chief executive officer agreed to pay $150 million and be banned from the multi-level marketing business to resolve Federal Trade Commission charges that the company operated an illegal pyramid scheme. The FTC alleged that AdvoCare tricked consumers into believing they could earn huge income as “distributors” of its health and wellness products. 

Two top promoters also settled charges that they promoted the illegal pyramid scheme and misled consumers about their income potential, agreeing to a multi-level marketing ban and a judgment of $4 million that will be suspended when they surrender assets.

The FTC lawsuit filed in federal court also charges two other top AdvoCare promoters, Danny and Diane McDaniel, with unlawfully promoting a pyramid scheme, making deceptive earnings claims, and providing others with ways to do the same.

What to look for in Labor Day 2019 sales

With summer coming to an end and the back-to-school shopping keeping people busy, it’s helpful to have information about Labor Day sales so you can get the best deals possible. During the Labor Day sales, you'll find lots of bargains. Look for reduced prices on clothing, appliances, computers, phones, electronics, and furniture.

WalletHub, a personal-finance website, has analyzed the Labor Day sales this year and offers information on the top deals:

Best labor day deals and sales

Dishwashers are the best items to buy in September, compared to the rest of the year.
 

2019’s 10 best Labor Day deals

1. Invicta Women's Watch – 50 percent off	6. Sealy Queen Mattress – 63.09 percent off
2. Kenmore Washer – 46.15 percent off	7. HP OfficeJet Printer – 33.34 percent off
3. Abbyson Giorgio Sofa Set – 50 percent off	8. Samsung Refrigerator – 33.34 percent off
4. Nikon D3500 DSLR Camera - 41.22 percent off	9. NordicTrack Elite Elliptical – 59.38 percent off
5. Women's Laguna Bike – 33.33 percent off	10. Samsung 65" Smart TV – 31.25 percent off

See WalletHub's report the “Best Labor Day Deals & Sales” for more information. The report has a listing of the amount of discounts dozens of stores are offering on clothing, appliances, computers and phones, electronics, packaged goods, furniture, toys, and other categories.

Copyright 2019, Rita R. Robison, Consumer and Personal Finance Journalist

Tips for shopping on Memorial Day

Memorial Day is one of the best holidays for shopping.

What’s for sale

Most retailers are offering Memorial Day savings. You’re likely to find bargains on patio furniture, clothing, shoes, mattresses, travel, home items, baby items, auto parts, furniture, and musical instruments, according to Dealnews.com.

Best places to shop

The best stores for Memorial Day sales are Home Depot, Best Buy, Macy’s, Amazon, Lowe’s, Purple, Wayfair, and Casper’s, according to Finder.com.

How to plan a cruise

Going on a cruise is quite an adventure, I learned as a first-time cruise goer in late March. It was a seven-day cruise to the Caribbean with stops in Jamaica, Grand Cayman Island, Costa Maya, Mexico, and Cozumel, Mexico.

The purpose of the cruise was to celebrate my sister’s 80^th birthday. My niece arranged the cruise, so all I had to is get out my credit card and pay. And pay I did.

Since it’s an expensive and time-consuming endeavor, here are tips to help you have the best cruise possible:

Decide where you want to go.

The possibilities are endless, with a cruise industry expanding its offerings to serve 28.5 million passengers a year. Once an unusual sight, you now see cruise ships in many major ports. The Caribbean, Alaska, and the Mediterranean are the most popular destinations.

Facts and figures for Easter 2019

Source: WalletHub

Copyright 2019, Rita R. Robison, Personal Finance Writer

Celebrating, traveling, and shopping on Saint Patrick’s Day 2019

In 1991, the U.S. Congress designated March as Irish-American Heritage Month.

Saint Patrick introduced Christianity to Ireland in the fifth century, and Saint Patrick’s Day was originally a religious holiday to honor him. It has evolved into a celebration of being Irish and Ireland. On March 17, 1762, New York City hosted the first Saint Patrick’s Day parade. Irish soldiers serving in the English military were featured. President Harry Truman attending the parade in 1948, and it has become an annual event.

Spending

Consumers plan to spend an average of $40 for Saint Patrick’s Day this year, according to a survey conducted for the National Retail Federation. Unlike other holidays where consumer spending has grown, the average amount consumers spend has stayed the same even as the nation recovered from the Great Recession.

How to buy a winter coat

Why am I writing about this when spring is approaching? Because winter coats are on sale now and it’s a good time to get a bargain.

I like long, warm wool coats, especially red ones. My niece brought the coat in the photo as a present for me. It fits perfectly. I get lots of compliments on it. However, I’m looking for a new one to have when my red coat wears out. Today I saw a cobalt blue coat at Macy’s. What was remarkable was that it had a hood. I liked it a lot, but it wasn’t long enough and it didn’t fit snugly around my neck.