Tricks To Spend Less Money At The Store

Stores and restaurants are really really smart at figuring out how to get you to spend more money.   These are time tested marketing techniques that you won’t even think about before or after you make your purchase.  The key for these stores, restaurants, and outlets is to make you feel good…..like you got a deal or you are special or you are one of the exclusive few that got this opportunity.   The goal is to separate you from your money.   Here are six traps to watch out for that will trick your brain into spending more money. THE NO DOLLAR SIGN TRICK —This one is most seen when you eat out at an upscale restaurant. You’ll notice that they will list a meal with the number 15 (note NO $$) or they will actually spell out in some artsy fartsy font By not showing you an actual dollar sign it literally makes you think less about money thus tricking your ...

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Six Ways To Not “StubHub” Your Toe On Sporting Tickets

I happened to be out in St. Louis last Friday night when game six took place between the Los Angeles Dodgers and the St. Louis Cardinals.   When I realized that the game would take place as the same time my travels had me in town, I decided to go on to StubHub to see what the prices looked like to get a ticket.   It seems as if concerts and sporting events go live in today’s world, you can’t even get a ticket direct anymore.  The ticket brokers are the only place you can actually buy a ticket unless you want to scalp the good old fashioned way.  When the prices came up minimally at $100 a ticket for ‘standing room only’ and went as high as $2,700 for front row type seats, all of a sudden the local bar at Gio’s didn’t seem to be such a bad idea.   So, how can you save money when shopping for sporting tickets?  ...

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Five Insurance Policies Every Small Business Owner Needs

This is the weekend you finally decided it’s time to start your own business.    You’ve had enough of the corporate rat race and now you want to take matters into your own hands.   After you determine whether you want to set up as a sole proprietor, LLC, S-Corporation, or C-Corporation, there will be a litany of items to strike off the checklist to make sure the business is up and running.   One of the key areas that most small business owners ignore is getting the right type of insurance policies set up as they initiate their new businesses.   Even as the business gets established, business owners often ignore getting the right type of protection in place to insulate their business in case of unforeseen circumstances.   Here are five insurance policies every small business owner needs. Disability Insurance– The challenge that most new business owners don’t understand is that if you show no verifiable income, you’ll have no chance of getting ...

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Six Financial Moves To Make When You Lose A Spouse

Almost 25 years ago, my father passed away.   My mother was a 5th grade school teacher and we had one of those households where dad predominantly took care of the finances even though both of my parent’s held down full time jobs.   When my father died, it not only left my mother in a complete state of shock, but she also had no roadmap provided to her on what steps to take to get the financial house in order.   In many households, one spouse usually controls and manages 80% or more of the family finances.   Should you have a spouse pass away, here are six financial moves to make that can help you during this difficult transition. Handle Funeral Expenses– Funerals can end up becoming a very expensive proposition. Did you make arrangements and prepay burial expenses?  Were their specific instructions around burial in the will?  It’s important that those who are helping you with final and funeral expenses understand ...

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5 Gifts That You Can Regift

Who really knows how long the practice of ‘regifting’ has been going on as a true tradition? Don’t get mad at me for bringing this subject up because I’m not ‘Miss Manners’, and I know you’ve all done it at least once in your lifetime. Regifting became a really popular term after the famous “Label Maker” Seinfeld episode where Jerry and Elaine track down well known suspected regifter Dr. Tim Whatley. Jerry had received the label maker from Dr. Tim after Elaine gave the label maker to Dr. Tim for Christmas. Here are five gifts worth holding on to for a future regift. Wine– For most of us, we won’t be able to tell the difference between a $10 bottle and a $50 bottle. It’s not like you would care anyway whether Wine Spectator gave it 92 points or 72 points. If your wine rack is full or you just aren’t a big drinker then no harm, no foul. Keep ...

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$5 Or Less Cheap Eats Lunches In Atlanta

If you make $100,000 or more, you might wonder why you could still be living paycheck to paycheck. The truth is that dining, entertainment, and travel expenses continue to be a huge part of creating a personal spending plan for your family.  A good CEO (that’s you) knows that listening to their Private CFO® (that’s me) can help make a major dent on the bottom line.  You probably aren’t going to stop eating out a few days a week for lunch, so one idea is to simply look for the places around where you work to find lunch for $5 or less.   Most casual fare chain restaurants are designed to get you to $10, where a local joint can still get you to $5 or less. Victory Sandwich Bar (www.vicsandwich.com) – Where can you get any sandwich for $4?   Go to the Victory Sandwich Bar.   I might recommend the Mulligan (pimento cheese and ham) or consider the Weed Eater (hummus, ...

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What Happened To My Precious Pandora?

As I pulled up my favorite Pandora station, Red Hot Chili Peppers, I anxiously awaited the install of some cool track like Scar Tissue or Give It Away.    Instead I was greeted with a movie trailer-like 30-second ad followed by a plumbing ad followed by a ‘what’s your favorite sandwich’ Panera ad.   A song later, I got hit with another ad and then followed up by yet another.   The frustration seeped quickly through my blood as all I wanted to do was listen to a few tunes of my favorite rock band.   It dawned on me recently that new technology launched through apps or a website is really exciting when it is unencumbered by the fact that eventually it will need to make money.   Think about these examples below. FACEBOOK– Facebook is still one of the most widely used social mediums that exist today.  However, like all technology machines built for growth it inevitably needed to produce a profit.    It ...

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