Review Category : Shopping

Helping You Not Have A Holiday Financial Hangover

How to Get Rich w/ oXYGen Financial – Ted Jenkin | Atlanta Money Guy Topic: Ted Jenkin stops by the studio to help you not suffer a major financial holiday hangover! Taped 11/29/16 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Rock 100.5 Morning Show and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Sign Up For His Fun & Casual Financial Newsletter: http://eepurl.com/eBqro Breathe Easier with oXYGen Financial: http://www.oxygenfinancial.net ...

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Helping You Shop on Black Friday

How to Get Rich w/ oXYGen Financial – Ted Jenkin | Atlanta Money Guy Topic: The best Black Friday shopping tips from Oxygen Financial! Taped 11/22/16 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Rock 100.5 Morning Show and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. Sign Up For His Fun & Casual Financial Newsletter: http://eepurl.com/eBqro Breathe Easier with oXYGen Financial: http://www.oxygenfinancial.net ...

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VIDEO: Is Your Spouse Cheating On You?

As I get to meet literally thousands of people every year to talk about personal finances and their struggles and successes toward building their net worth, I’ve noticed an interesting trend phenomenon that seems to have an uncontrollable growth. That is the behemoth that we all know and have come to love as Amazon…. Read Full Article at: http://bit.ly/2gefCjY ...

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What To NOT Waste Your Money On If You Become Suddenly Rich!

How to Get Rich w/ oXYGen Financial – Ted Jenkin | Atlanta Money Guy Topic: Kile Lewis from Oxygen Financial fills in for Ted today to tell us what to NOT waste your money on if you become suddenly rich! Taped 10/25/16 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Rock 100.5 Morning Show and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Sign Up For His Fun & Casual Financial Newsletter: http://eepurl.com/eBqro Breathe Easier with oXYGen Financial: http://www.oxygenfinancial.net ...

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OUCH! Is Your Wife Cheating On You With Amazon?

As I get to meet literally thousands of people every year to talk about personal finances and their struggles and successes toward building their net worth, I’ve noticed an interesting trend phenomenon that seems to have an uncontrollable growth.  That is the behemoth that we all know and have come to love as Amazon. Although it has snuck up on us quickly, there is at least one spendaholic in your household (or a very close friend or relative) that has been completely brainwashed and taken over by the alien Amazon nation.   As I recently perused the Amazon website, it dawned on me that Amazon may be one of the most aesthetically displeasing websites when you consider the pure design of a ‘pretty’ website.   But, being the math geek that I am, I counted 27 different pictures that I could click just on the top part of the main page that loaded up on my computer.  Then and only then did ...

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Ted Jenkin Tells You What Not To Waste Money On

How to Get Rich w/ oXYGen Financial – Ted Jenkin | Atlanta Money Guy Topic: Ted Jenkin from Oxygen Financial stops by the studio to tell you what not to waste money on because chances are high you will lose it. Taped 10/4/16 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Rock 100.5 Morning Show and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Sign Up For His Fun & Casual Financial Newsletter: http://eepurl.com/eBqro Breathe Easier with oXYGen Financial: http://www.oxygenfinancial.net ...

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Quit Buying Stuff You Can’t Afford

Generation X is classically defined as people born between the years 1965 and 1979.    Pretty much those of you in your late 30’s and now, *GULP* into the early 50’s.  Having given personal financial advice to thousands of people, I can tell you that many of you who were born 1960 to 1964 fit within the Generation X type of financial and personal attitude.   Since I am 47 and have had a good deal of financial success on my own, I’ve noticed some big mistakes that I see my generation making with their money and how they think about money.    One of the main problem with our generation is that it seems we can defy gravity when it comes to buying anything but savings for our own future. Where do you think we should take the kids away for spring break this year?      Should we go away for Thanksgiving or would it be better during the holiday season?    I know ...

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Seven Ways The Word SALE Messes With Your Brain

There are lots of four letter words in the dictionary that makes us do abnormal things. Words like FREE and ZERO are two of the most powerful marketing words that I have shared with you in the past columns at Your Smart Money Moves. However, possibly the most powerful word when it comes to spending money is the word S-A- L-E. It just makes us plain old buy things we wouldn’t normally do otherwise. Here are seven ways the word S-A- L-E changes the way you think about money. 1. Can I afford it? The word sale makes you remove the concept of do I need it to can I afford it? This small shift in thinking could push you over the edge to buy something simply because it now fits within the price range you had in mind. 2. I have no use for this – There are plenty of things that you own that you really never had ...

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How to Shop at Target with a Toddler and No Money in 31 Easy Steps (A Not-So-Foolproof Guide)

1.Have a stern talk with yourself beforehand: I am only going to buy a package of coffee. Only. Coffee. 2. Take a child along. A 12-year-old boy dragged away from video games would do the trick, but the ideal choice is a toddler, preferably a potty-trainer in the thick of the Terrible Twos. (No longer have a toddler of your own? Borrow one from a beleaguered young mother—she’ll kiss your feet in gratitude.) 3. Enter Target. Feel something warm and tingly light up inside of you. Good thing you brought a toddler to keep you in check, because you recognize the symptoms: the beginnings of Target High.* (*Target High: a euphoric state in which you gleefully buy everything you see at Target. Symptoms include dizziness, shortness of breath, giddiness and compulsive credit-card swiping.) 4. Strap the child into a cart. She starts whining, a Toddler Time Bomb already ticking. Hand her a cereal bar to buy yourself eight minutes. 5. Decide ...

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Did Starbucks Charge You 28 Times?

For some of you, grabbing your daily Starbucks order is akin to brushing your teeth every day.   In my your smart money moves column, I will continue to profess that the next twenty years the cash flow management aspect of financial planning will become more important than asset management planning.   Ask soon about my revolutionary cash flow transformation system coming live by the beginning of 2017.  Since technology has taken over for the large part the way we pay bills, transfer money, and manage cash, you’ll see more and more companies asking you to store cash on loyalty cards. In a review recently performed by the Wall Street Journal a study revealed that more than 1.2 billion were loaded onto Starbucks cards and the mobile app in the first quarter of 2016.   The scary part is that this dollar figure amounts to more than some financial institution have in their possession.  For example, Discover Financial Services had $680million in deposits ...

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Five Apps That Will Pay You To Shop

Shopping is usually an activity that makes you spend money.   In fact, with the ease of debit cards and credit cards today you can rack up big bills by simply turning your computer on to one of the major shopping websites.  So, I thought going into the summer it might be interesting to see what apps you could download that might actually pay YOU money to shop. Ibotta (www.ibotta.com) – Did you ever thing you could get paid to scan receipts from your phone?    Before you go shopping, you complete a few simple tasks and then you begin to unlock rewards.  With over 187 participating stores (and you can link loyalty accounts as well) it makes it very easy to make money with Ibotta.  Really, you end up just scanning bar codes and then taking pictures of your receipts. Swagbucks (www.swagbucks.com) – With over $132,470,000 of gift cards that have been awarded to users, Swagbucks is an app that will ...

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VIDEO: What Apps Will Make You Money?

Shopping is usually an activity that makes you spend money. In fact, with the ease of debit cards and credit cards today you can rack up big bills by simply turning your computer on to one of the major shopping websites. So, I thought going into the summer it might be interesting to see what apps you could download that might actually pay YOU money to shop. Read Full Article: http://www.yoursmartmoneymoves.com/five-apps-that-will-pay-you-to-shop/ ...

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Seven Cheaper Versions Of Your Favorite Products

It seems that nobody can escape the clutches of websites like Amazon today, luring millions and millions of Americans shop at the comfort of their home computer.   As we are faced with a dizzying array of information about ratings, pricing, and performance, how are we to really know which products are better or worse?  Take a thumbs up from a friend on Facebook?  Do your due diligence through Consumer Reports?  Or, should you just hit the plethora of websites that will rate and rank everything.   Not only do we work hard on building financial plans and managing money, but we also look to see how can we can save our clients some additional money.  Here are seven ideas on getting a product that is priced higher at a similar product with a lower cost. Beats Earbuds The idea of dropping $78 on a pair of Beats headphones is completely reasonable for many shoppers. By significantly cheaper, I mean about  90% less ...

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Six Things You Are Spending Too Much Money On Today

Over the years I’ve realized that budgeting is the hardest thing for most families to do each year.   Soon, I’ll have a 21 Day Budget Cleanse® program that you can use to apply the secrets of short term dieting and exercise to how you handle getting the right budgeting habit sin your family no matter what your financial situation.   Since most of our purchases are done in this electronic society through debit or credit card, we often couldn’t tell you what we spend if we had to be within a few dollars of the actual number.  If you haven’t looked lately, here are six items that you are probably spending too much money on in your family budget. Car Payment- I like buying cars for cash, but I know not everyone is able to do this (unless you can get ridiculously low financing).  Your mortgage payment shouldn’t be more than about 25% to 28% of your monthly income and all ...

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The $40 Underwear

As a financial advisor, I tend to be frugal when spending money. I use coupons; buy groceries on sale; get shoes and clothes off the rack; and purchase underwear in a three pack at Walmart. (Maybe this is more than you want to know about me). So recently while in the car with my wife a commercial came on the radio for an Underwear clothing company. It intrigued me as they claimed that their underwear was made of such great quality and material that it felt like you were wearing nothing at all. A design guarantee that you will never get a wedgie and it will never ride up on you. They never stated how much the underwear cost, so the rest of the conversation with my wife was on how amazing that sounded, which then went into a 30min conversation on the history of the technological advancements of underwear. (Yes, we have been married a long time and that ...

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How To Maximize Your Verizon Smart Rewards

When most people think about their loyalty rewards programs, the first words out of their mouths are about their frequent flyer miles.   In addition to that, families get into tracking their American Express Membership Rewards, point programs through their favorite hotel chains, and even from rental car programs throughout the country.   If you think its hard to manage your 401(k)’s and IRA’s, just ask those who have more than four or five frequent reward programs.   One program I stumbled upon recently through Verizon is something called the ‘smart reward’ program, and here are a few tips to maximize your Verizon points. OK.  Let me give you the scoop.  This could be one of the worst reward programs I have ever covered in my blog.   I love the fact that Verizon puts together some note within the ‘smart rewards’ site letting you know about their best price match guarantee and that other sites don’t always have authentic deals.  Here’s the newsflash.  ...

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How To BEAT The FOUR Biggest Lies Retailers Tell

The best stuff is in the front of the store! The lie: The lie is that the newest stuff is often in the front of the store.  When a retail store changes over seasons, the old stuff heads toward the back of the store and the new stuff makes its way to catch your eyes when you walk into the store.   Retailers will tell you this is the ‘best’ stuff, but that is only a matter of opinion.  If you mean the ‘best’ new stuff, than that might be accurate, but last season’s stuff is just as good, if not better, unless you plan to be on a show with the Kardashian’s. Your defense: The best defense for this retailer lie is simply ask the store salesperson where the clearance racks are, which is always where you want to start in any mall or department store.  To curb your spending appetite while going shopping, the odds are you will find ...

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Would You Wear A 3,000 Square Foot Home On Your Wrist?

The U.S. Open for tennis has been in full swing over the past couple of weeks, and the drama of this event in New York City never fails to deliver incredible outcomes to watch at home. With the likes of Serena Williams chasing the true Grand Slam and Roger Federer playing like a young teenager again, it is one of the best tennis events ever year. Beyond the lights, camera, action, I found an interesting money story about Rafael Nadal and the famous watch that he wears on his wrist. Many players have deals with watch companies, but this roughly $850,000 watch is something that only 50 people will experience around the world (that is how many the maker Richard Mille will make this year). At $850,000 that is easily the cost in many cities of a mini McMansion and in some parts of America could be a 5,000+ square foot house. What makes this watch so unbelievable? It uses ...

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How To Save Money On These Six High Marked Up Products

We know that companies who make products have to make a profit.  The question is how much profit should they be making?  You could argue that some of making profits is about supply and demand and at other times the value the consumer sees in the product itself.  However, I’ve witnessed a bunch of day to day products that are highly market up where you can really save some money if you use some alternative shopping strategies.  Here are six products that are highly marked up, and your smart money moves alternatives to increasing your bottom line. Bottled Water– I guess branding is everything when it comes to bottled water.  It started many years ago with the special brand of mineral water called Evian, and today you have brands such as Fiji and even Black water brought you by the gentlemen from the Real Housewives of New Jersey.  If you are going to use bottled water (from a store), you ...

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Six Items You Should Buy In August

As back to school begins, why should the kids be the only ones to score some discounted merchandise?  August can be a great month to find bargains out there if you know what to look for when you go shopping.  Here are six items that you might want to track down this month if you are looking to grab a bargain in the dog days of summer. Anyone Want To Grill Out?–  The beauty about living in certain parts of the country is the weather stays great all year round to grill.  No matter what part of the country you live in, you’ll start to see deals galore come about this month to pick up a new grill.   Whether the brand is Weber, Kenmore, or Char-Broil, they will all go on sale soon.   Check out big department or sporting goods stores such a Dick’s Sporting Goods, Target, and Sears where grills can range from 10% off to over 50% off ...

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The All-American Love Affair

When I think of things Americans love, I think of things like football, baseball, cars, a great burger, suing people for ridiculous reasons, uncivilized black Friday behavior, and credit cards! Americans LOVE credit cards, and that’s no surprise to most! I was reviewing a study this week that was published recently by www.cardhub.com, which stated that Americans charged a record $57 billion in credit card debt in 2014, which amounts to a 47% increase compared to 2013! A fellow reader left a comment about Americans being credit obsessed, and asked when we will ever be able to use credit properly. It got me thinking, while those numbers are quite astounding, who said nobody was using their credit wisely? How much of those charges is really a factor of consumers exhibiting unhealthy charging habits, versus just getting smarter with their money? I am not surprised at all by the record increase in credit card use. Americans have always loved their credit ...

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Does Whole Foods Equal Your Whole Paycheck?

Most consumers today have a very difficult time holding themselves accountable for their discretionary spending. In fact, I have seen more families making $100,000 or even $250,000 who are still managing to live paycheck to paycheck. The largest area of spending waste that I have seen proliferate in the family budget by far are in the categories of grocery shopping and dining out. You would think from all of the television programs that we have today showing us all these cutting edge techniques to cooking that we would actually learn how to cook, but instead all we have learned is how to eat out more. It’s just easier, simpler, and quicker than making a game plan for weekly meals. At least that is what we think. In addition, what’s increased as well is the number of trips families make to the grocery stores with all of the options for gourmet takeout food. I remember going once per week on Sunday’s ...

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5 Gifts You Didn’t Know About For The Holidays

One of the reasons I love having clients is that I get to meet all kinds of different business owners. There are those that have been entrepreneurs for their whole lives and others who woke up one day with a dream of creating a product that could change the face of an industry. Now that it is holiday time, I thought I would share with you some stocking stuffers and other gift ideas that you won’t see on mainstream lists and items that will leave your family quizzing you on how exactly you found that item. Just say you heard about it on YourSmartMoneyMoves and enjoy these five gift ideas for the holidays. Pet Applause (http://etsy.me/1A1klG2)- Cindy Patrick has come up with a truly genius idea in the card and memory book business for pets. Aren’t you sick and tired of the same old thank you cards? If you are a pet lover, you will love her ‘Thank You Furry ...

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What To Buy and Not to Buy On Black Friday

Now that I gave you my five smart money moves on how not to get ripped of on Black Friday, let’s talk about some specific items that should be on your naughty and nice list. With so many deals being fired off at you through email, it can be difficult to know where the best place to spend your time should be over this holiday weekend. Should you get out now on Thanksgiving when the deals start flying off the shelf? Is it best to go on Black Friday? Or perhaps you should wait until Cyber Monday and just sit in the comfort of your home striking deals on the computer. Here are five items to buy and five items to avoid during Black Friday weekend. WHAT TO BUY (these are all true if you can actually get in to score the Black Friday ad deal!!!!) Asus Intel Laptop @ Staples– How could anything be better than a $100 laptop? You ...

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