Tuesday’s need-to-know money news

Today’s top story: Black Friday snafus and the insurance that fixes them. Also in the news: Holiday credit card promotions, how to skip long lines at the airport without spending a dime, and five things you shouldn’t buy on Black Friday.

Black Friday Snafus and the Insurance That Fixes Them
Protect yourself.

Are Holiday Credit Card Promotions Right for You?
Reading the fine print.

Skip Long Lines at the Airport — Without Spending a Dime
What you need to know.

5 things you shouldn’t buy on Black Friday
Hold out for real bargains.

Monday’s need-to-know money news

Today’s top story: What doesn’t affect your credit score. Also in the news: A crash course for first-time Black Friday shoppers, how far your money will stretch on Black Friday, and how to pick a college that won’t break the bank.

What Doesn’t Affect Your Credit Score
Focusing on the important factors.

A Crash Course for First-Time Black Friday Shoppers
Tips for rookies.

See How Far Your Money Will Stretch on Black Friday
Getting the most for your money.

How to pick a college that won’t break the bank
Avoiding years of student loan repayment.

Thursday’s need-to-know money news

Today’s top story: 3 questions couples should ask before getting a dog. Also in the news: 4 Black Friday facts retailers don’t want you to know, what to buy and skip this Black Friday, and the number one financial fear for most Americans.

3 Questions Couples Should Ask Before Getting a Dog
A financial commitment.

4 Black Friday Facts Retailers Don’t Want You to Know
Black Friday secrets.

What to Buy (and Skip) on Black Friday 2017
Start making a list.

Financial fears? This is No. 1 for most Americans
Money monsters under the bed.

Wednesday’s need-to-know money news

Zemanta Related Posts ThumbnailToday’s top story: 4 ways you can protect your credit score over the holidays. Also in the news: Giving Tuesday and beyond, why you should think twice before grabbing certain Black Friday deals, and the used cars with the best discounts on Black Friday.

4 Ways You Can Protect Your Credit Score Over the Holidays
Monitoring is key.

Giving Tuesday and Beyond: How Millennials Like to Contribute
Bucking against the self-centered stereotype.

Think twice before grabbing this Black Friday deal
It’s all in the wording.

The Used Cars With the Best Deals on Black Friday
Used car shopping on Black Friday? Why not!

Friday’s need-to-know money news

iStock_000087400741_SmallToday’s top story: Why to avoid financial planning over the holidays. Also in the news: What President Trump will mean for mortgage rates, things banks and credit unions do that you don’t know about, and how waiting for Black Friday deals can really pay off.

Why to Avoid Financial Planning Over the Holidays
Don’t add stress on top of stress.

What the Trump Effect Means for Mortgage Rates Next Year and 5 Years From Now
What will happen to your mortgage under President Trump.

4 Things Banks and Credit Unions Do You Might Not Know About
Be informed.

Turns Out, You Really Can Save Big on Black Friday
Some deals are worth waiting for.

Friday’s need-to-know money news

help-parents-manage-moneyToday’s top story: What retailers don’t want you to know about Black Friday. Also in the news: What to know about tax breaks for disabled individuals, how managing your money is like losing weight, and three retirement tips your not thinking about.

4 Things Retailers Don’t Want You to Know About Black Friday
You might not be getting the best deals.

What to Know About Tax Breaks for Disabled Individuals
Taking advantage of deductions.

How Managing Your Finances Is Like Losing Weight
One day at a time.

3 retirement tips you’re not thinking about
Tips that fly under the radar.

Monday’s need-to-know money news

best-credit-cards-for-holiday-shopping-2013Today’s top story: Smart ways to use credit cards over the holidays. Also in the news: Personal finance tips people wish they’d know when they were younger, how to survive Black Friday, and steps you should take before the next financial crash.

5 Smart Ways to Use Credit Cards During the Holidays
Protecting your money and your data.

5 Personal Finance Tips Most People Wish They’d Known When They Were Younger
It’s never too late.

Surviving Black Friday: How to set a budget and stick to it
Resisting temptation.

Steps You Must Take Before the Next Financial Crash
Trouble could be on the horizon.

Black Friday: Fun, hype–or class warfare?

business girl with shopping bagsAmerican shoppers seem to fall into two groups: those who are planning their early-morning raids on major retailers (starting as early as Thanksgiving morning!) and those who sneer at people who head out into the cold in search of bargains.

I used to belong to the latter group, until a friend pointed out I was being a snob. Here’s how Los Angeles Times reporter Shan Li puts it in today’s article “Black Friday highlights the contrast between rich and poor.”

“Increasingly, the seasonal shopping surge has become a window into America’s class divide, in which high earners have benefited from a booming stock market and rising home prices as many others still grapple with stagnant incomes and lingering financial anxiety.

“You have people who really need a bargain — they will sit out for two days to get that deal because that may be the only big thing they can afford for the whole family,” said Britt Beemer, founder of America’s Research Group. “Luxury retailers don’t do very well on Black Friday because their customers are not going to fight the crowds.”

Li quotes a PricewaterhouseCoopers report that says the ranks of strapped shoppers who earn less than $50,000 a year are growing from 63 percent of American shoppers two years ago to 67 percent today.

There are alternatives to fighting the crowds, of course. Check out this interesting post at the Nonconsumer Advocate: “10 ways for a zero-dollar Christmas.” Online retailers are offering plenty of good deals as well. Then there’s the whole Shop Small thing, although you need an American Express credit or Bluebird prepaid card to get money back.

If you are planning to venture out in search of deals, consider a good price comparison app such as RedLaser or PriceGrabber on your smart phone, if you have one. They’re good tools to help you figure out which Black Friday bargains are the real deal. A site to track is DealNews, which not only alerts you to deals but which keeps track of previous low prices. If you can’t check prices on the go, at least hang on to your receipts so you can exchange anything for which you find a better buy.

Those of us who will be sitting snug at home shouldn’t feel too self-satisfied, particularly if–like me–you order a lot from a certain online retailer. Read this Motley Fool article about which retailer treats its employees worse: WalMart or Amazon.

Thursday’s need-to-know money news

Today’s top story: A massive customer data breach at Target. Also in the news: Six things to do with your money before the new year, combating the hidden holiday costs, and five things you probably didn’t know about identity theft.

Target Says Data Was Stolen From 40 Million Shoppers
If you shopped at Target after Black Friday, you should check your credit report.

6 Things to Do With Your Money Before 2014
The clock is ticking!

A Financial Advisor Explains How To Increase Your Credit Rating
Never. Pay. The. Minimum.

How to Combat the Hidden Cost of the Holidays
Put down the wrapping paper.

5 Things You Probably Didn’t Know About Identity Theft
Military members are at a huge risk.