Author: Roger M. Whetstone

  • 5 Ways You Can Still Save on Post-Black Friday Holiday Shopping

    For those of you who didn’t have the chance to release your inner consumerist on Black Friday or Cyber Monday, there are still plenty of ways to save on holiday shopping this season. You might’ve missed Black Friday, or what some shoppers refer to as “The Big Show,” but there’s no reason to give up on making the most of your gift-giving budget.

    1. Use gift cards.
    It’s about this time each year when Nanas across the country hound their grandchildren with gift cards to pants stores and other places that may be “off the map.” If you don’t have the heart to tell Nana you don’t actually shop at the pants store, despite their nice pants selection, there are other ways to make use of your gift cards during the holidays.

    If you have old gift cards around you never used, you can use those for gifts, or sell them to others for cash. You can also be proactive, and look for other people’s unused gift cards online.

    “If you plan to buy a bunch of gifts from one store, buy a discounted gift card for the store from and – and use it in the store to save big,” said Catey Hill, author and financial expert. “For example, if you buy a $50 Amazon gift card for $35, you’ll be able to buy your family $50 worth of presents – but only have paid $35 for them.”

    2. Look for free shipping and other discounts.
    “You can often score great deals by shopping online, but those pesky shipping fees can cut into savings,” said Hill. “Check out, which offers shipping deals from more than 2,600 stores. Combine those offers with coupons and deals from the store to save big.”

    In addition to shopping comparison sites, you can check out the early ads offered directly by retailers.

    “Look at weekly ads online ahead of time to see what’s on sale and make your shopping list by checking out the door busters,” said Jon Lal, financial expert and cofounder of BeFrugal, a cash-back rewards website. “By looking online at the flyers, you do not need to buy or wait for the delivery of a newspaper.”

    3. Put technology to use.
    Today’s shopper has enough tools at their disposal to never pay more than they have to. Between free shopping apps, comparison sites and shopping forums, saving money is simply a matter of investing your time and energy into the right technologies.

    “With the free RedLaser app, you can scan the barcode of the item and it will compare prices for it across many retailers,” said Hill. “Or score coupons for your favorite stores with the free app Coupon Sherpa, which lets you create a wish-list of your favorite stores, and the app will send you coupons from those stores.”

    You can also use online shopping to control your spending and impulse buys, something “the real world” doesn’t always offer.

    “Use online shopping features to help you stick to your budget,” said Lal. “The online shopping cart’s total tallying feature keeps you within budget. If you realize you are overspending, just unload your cart without an embarrassment or line hold up as you would at the store.”

    4. Find online coupons.
    “Why pay full price when opportunities for savings are everywhere during the holidays? All it takes is a little extra effort and research,” said Lisa Reynolds, founder of coupon site RedPlum. “Websites like offer tremendous deals on gifts from top retailers – making it easier to get everyone on your list more for less.”

    You can also Google search terms that may bring up additional savings you might not find otherwise. You can search “discount code,” “coupon code” and other terms along with name of the company or site you’re shopping on.

    5. Go sentimental.
    Sometimes, the best gift you can give is the result of tender love, care and sweat. Not greenbacks. For the overly emotional, young or old people in your life – or really, anyone – consider going the handcrafted route.

    “For many, personalized and handmade gifts are often the most memorable and cherished gifts of the holiday season,” Reynolds said. “Use your thoughtfulness and creativity to craft or personalize what you give this holiday season.”

    The combination of online savings, time spent uncovering hidden discounts, and taking a DIY approach to your gifts can ease the burden of holiday shopping, and help you forget your lackluster Black Friday shopping performance.…

  • Stock Market Systems

    Stock Market SystemsThere are people who are looking for quick and profitable kind of money gaining. It is widely spread position meanwhile the persons who are successful enough in their common business, and in the turn they are looking for ways to make their stuff to earn additional funds. As the matter of fact, they do this by investing their capitals in the stock market exchange. Due to the investing or even sometimes gambling, they gain additional stuff. In such way, their money makes more money. By the by to do this operation in proper way, with no lost and even with the profit you have to be well informed in the very kind of earning your stuff. It is obvious that first to invest your money in the stock market you have to know as more as it is possible information about the stock exchange you are going to deal with. It would be of great use for your existing capital and future incomes to get accounted with the portfolio of the very stock exchange. If you get the definite information, you might to be sure that your next profit would be in the half successful. Any way, if you have made up your mind to deal with the stock exchange you are expected to have to do with the very dangerous kind of profit.

    It depends on the fact that the huge part of results at stock market plays the luck. None one did not yet foreseen the results of stock exchange trade. Of course, there is always nearest forecasts of the future gambling, but no one never would tell exactly, who would be winner or loser at the definite trade. Therefore, to be success at the stock market trade, you have to get a great deal of information that that relates the speculating process. It is obvious fact that commonly stock exchange trade is divided into three main types. Of course, there are other trade kinds presented at the stock markets, but we would like to present you the most widely spread of them. Therefore, we are talking about the swing trade, long – term trade, and one – day trade. The main principle of distinguishing these types of stock market trade is the termination each of them. We can notice the very position if we look attentively for their names. The name one – day trade usually means that the very kind of trade holds your positions during one day and closes them before the stock exchange closes itself. The designation long – term trade means that the stock market, that uses the very kind of trade is able to hold your positions at the market for a long period. This period usually continues from few months to years. The swing trade holds your positions for few days. Choose the one, what would more convenient for you.

    It would be truly smart if you start your activity on the stock market from the analysis of stock market news. Staying up to the point with the info from the stock market industry is one of the keys to success. And if your interest in the stocks is part of your retirement planning, then visit this retirement investing web site for more information.…