Monday, September 26, 2022

Digest for misc.consumers.frugal-living@googlegroups.com - 6 updates in 4 topics

gggg gggg <ggggg9271@gmail.com>: Sep 26 02:57PM -0700


> https://article.smartasset.com/financial-advisor-mistakes-v8/?utm_medium=cpc&utm_source=yahoo&utm_campaign=380782131&utm_content=35103747737&utm_term=MSFT_EN_US_HOMEPAGE
 
> The bottom part is interesting.
 
> Lenona.
 
Choosing a financial advisor
 
http://www.lowellsun.com/news/ci_32518568/5-red-flags-look-when-choosing-financial-advisor
gggg gggg <ggggg9271@gmail.com>: Sep 25 10:18PM -0700

https://finance.yahoo.com/news/5-americas-richest-families-lost-124611807.html
gggg gggg <ggggg9271@gmail.com>: Sep 26 07:22AM -0700

On Sunday, September 25, 2022 at 10:18:54 PM UTC-7, wrote:
> https://finance.yahoo.com/news/5-americas-richest-families-lost-124611807.html
 
Learn from the Vanderbilts:
 
- No matter how much money you have, control your spending, budget and invest wisely. It all starts with opening a high-yield savings account to so you earn interest on your hard-earned money. Any cash you might have sitting in a checking account could be working for you while you're not even thinking about it.
 
Learn from the Kluges:
 
- Make informed investments — especially when taking real risks with your money.
 
If you're ready to invest your money, you should consider starting with low-risk investments like certificates of deposit (CDs), which are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per individual.
 
CDs are promissory notes — essentially IOUs — that limit your ability to access your money until a fixed maturity date. Six months, one year, two years, etc. Once the CD reaches maturity, you'll have access to your money again in addition to the interest paid to you by the financial institution.
 
Learn more about CDs and decide if they're the right option for your savings plan.
 
Learn from the Hartfords:
 
- The occasional "splurge" is OK if it falls within your budget, but what ever you do, don't squander your savings in pursuit of a lavish celebrity lifestyle.
 
If you're worried about over-spending, set up automatic deposits into a high-yield savings account.
 
Learn from the Pulitzers:
 
- Don't invest in citrus. No, no, just joking. The real lesson is to diversify your holdings.
 
Who hasn't heard that thing about not putting all of your eggs in one basket? If you have all of your savings wrapped up in a single investment, you put yourself at greater risk than having a well-diversified portfolio. Be sure to speak with a qualified financial adviser.
 
Learn from the Strohs:
 
- It's abundantly clear that it's important to make educated choices about your money. Remember: decisions you make today can have long-lasting financial outcomes.
 
While you take the time to educate yourself, depositing your savings into a high-yield savings account and earning interest in the meantime is a no-brainer.
gggg gggg <ggggg9271@gmail.com>: Sep 26 02:48PM -0700

On Sunday, September 25, 2022 at 10:18:54 PM UTC-7, wrote:
> https://finance.yahoo.com/news/5-americas-richest-families-lost-124611807.html
 
LEARN FROM THE VANDERBILTS:
 
- No matter how much money you have, control your spending, budget and invest wisely. It all starts with opening a high-yield savings account to so you earn interest on your hard-earned money. Any cash you might have sitting in a checking account could be working for you while you're not even thinking about it.
 
LEARN FROM THE KLUGES:
 
- Make informed investments — especially when taking real risks with your money.
 
If you're ready to invest your money, you should consider starting with low-risk investments like certificates of deposit (CDs), which are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per individual.
 
CDs are promissory notes — essentially IOUs — that limit your ability to access your money until a fixed maturity date. Six months, one year, two years, etc. Once the CD reaches maturity, you'll have access to your money again in addition to the interest paid to you by the financial institution.
 
Learn more about CDs and decide if they're the right option for your savings plan.
 
LEARN FROM THE HARTFORDS:
 
- The occasional "splurge" is OK if it falls within your budget, but what ever you do, don't squander your savings in pursuit of a lavish celebrity lifestyle.
 
If you're worried about over-spending, set up automatic deposits into a high-yield savings account.
 
LEARN FROM THE PULITZERS:
 
- Don't invest in citrus. No, no, just joking. The real lesson is to diversify your holdings.
 
Who hasn't heard that thing about not putting all of your eggs in one basket? If you have all of your savings wrapped up in a single investment, you put yourself at greater risk than having a well-diversified portfolio. Be sure to speak with a qualified financial adviser.
 
LEARN FROM THE STROHS:
 
- It's abundantly clear that it's important to make educated choices about your money. Remember: decisions you make today can have long-lasting financial outcomes.
 
While you take the time to educate yourself, depositing your savings into a high-yield savings account and earning interest in the meantime is a no-brainer.
Dim Witte <dakadldo2@gmail.com>: Sep 26 08:42AM -0700

I've mainly been using Amazon, which has helped me sort out a few charges and rebates, plus happened to buy a year's free(?) delivery from Fred Meyer for &60, but have shied away from Ebay after a couple devious ads and sellers were stumbled on.
 
But now I find Ebay doing a good job, claiming "satisfaction or your money back," and I do find it substantially cheaper than Amazon or Fred Meyer. BTW, I just bought 10 genuine Britta water filters and a water distiller for $100, with free delivery, which is a comparatively low price. Mention that because they both seem like healthy investments, even for the frugal living.
 
Also, I seem to notice that many stores are selling cheaper now, maybe because of competition or something about inflation/recession. It does seem like the stay-at-home tendencies attending shopping and hostilities are facfors affecting businesses and customers. And they all seem to be catching on about doing delivery as well as pick-up.
gggg gggg <ggggg9271@gmail.com>: Sep 25 11:41PM -0700

(2022 Youtube upload)
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