Five Tips You Need to Know About Social Security

Five Tips You Need to Know About Social Security

Father’s Day weekend means grilling out.  Grilling out has several steps involved.  Timing is crucial.

First, there is, “When should I start the grill?”

Which, in the Tannery house, is interpreted by those not involved in supervising the lighting of the grill as, “Can I get you a cocktail or possibly do you need me to refresh your cocktail?”

This window of time before the steaks hit the grill is my favorite time of Father’s Day.   For the next 30 minutes or so it like a grown-up campfire.  We gather around and talk and drink and snack.

Father’s Day is also a time for relatives and friends to join us and someone inevitably will ask me about a financial headline they read or heard about the past week.  Knowing who is attending dinner, I am sure that the “Social Security is going broke” headline will be discussed.

Social Security is NOT GOING BROKE.

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Five Tech Gifts for Dad

Five Tech Gifts for Dad

Father’s Day is just over a week away and word on the street is the spending is up again this year. The National Retail Foundation has been conducting its annual Father’s Day survey since 2003 to see how Americans will celebrate dad on his special day.  As consumer confidence continues to rise, 77% of Americans will celebrate Father’s Day and spend an average of $133 per person, treating dad to special outings, clothing, gift cards, electronics and more.  The expected spending would be second only to last year’s $15.5 billion, the highest in the 15-year history of the survey at an average $135 per person. Individuals between 25 and 34 years old will be the biggest spenders this year at an average $188 per person.

According to the survey, consumers plan to spend $2.2 billion on clothing (purchased by 43 percent of shoppers), $2.1 billion on gift cards (42 percent) and $1.8 billion on consumer electronics (20 percent). In addition, $878 million will be spent on home improvement supplies (16 percent), $862 million on personal care products (19 percent), $844 million on greeting cards (63 percent) and $830 million on tools or appliances (16 percent). Another $798 million will be spent on sporting goods or leisure items (16 percent), $686 million on automotive accessories (16 percent) and $628 million on books or music (22 percent).

This year’s survey found 47% of consumers plan to give a “special outing” gift, such as a concert, sporting event or dinner. This category represents the largest share of spending at $3.2 billion.  (source: www.nrf.com)

I think that they are missing something.  It’s 2018 – It is ALL ABOUT TECHNOLOGY for Dad.

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Five Financial Disciplines for Graduates

Five Financial Disciplines for Graduates

Congrats to both the graduates and their parents.  Achieving a college, master’s or Doctorate degree takes a commitment to learning and the perseverance of staying the course over the length of your education.

The reward for those years of hard work is now coming your way as you start your career and begin building your future.

Take the time NOW to establish these five disciplines.  They will ensure that your financial future will be on a solid foundation and will keep you from looking up a decade from now and wondering what happened.

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Top 5 Lessons Learned in Mom’s Kitchen

Top 5 Lessons Learned in Mom’s Kitchen

We all have our memories of “Mom” and many of mine come from conversations I had with her in the kitchen.  While I do have two siblings, I like to say that I am the oldest only child of three.  My brother is five years younger and my sister is eight years younger.

I spent a lot of time as a child with mom before siblings came along and it continued while they were young.  Thinking about those hours spent with Mom in the kitchen made me think of the lessons learned.

Those memories made range from simple conversations to the conversation when I was eight about how could Santa travel around the world in one night.  I was convinced he could not make it all happen and yet today I still believe.

These are my top five lessons learned from kitchen conversations with mom.  They are as applicable today as they were many years ago.

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My Top Three Online Shopping Apps

My Top Three Online Shopping Apps

My grandmother Mamaw always collected S & H Green Stamps when she went shopping.  Green Stamps were an early reward and loyalty program.  Customers would receive stamps at the checkout counter of supermarkets, department stores, and gasoline stations among other retailers, which could be redeemed for products in the S&H Green Stamp’s store catalog.

She might not appreciate ordering a Venti Non-Fat two equal extra hot café latte at Starbucks, however, she would understand using the Starbucks App on her smartphone and collecting Stars to get free drinks.

I am sure that Mamaw would find ways to shop online and save money.

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