Dollar Stretcher Community

Live Without or Minimize Air Conditioning

Pat — Fri, 17 May 2013 16:39:00 GMT

I grew up (for the most part) in an old log house. Not the kind of log house you see built now, but the old fashioned, real thing. The walls were at least eight inches thick and thicker in some areas. No insulation - how do you insulate a solid piece of wood? We never even thought of air conditioning. It was always cool in the house in the summer and warm in the winter, just like it should be. After growing up and moving around here and there, I landed in an old house built about the same time as...(read more)

The Secret to Living Below Your Means? Lowering Your Standards!

Emily Guy Birken — Fri, 17 May 2013 15:28:00 GMT

Picture of an automobile I could realistically imagine J trying to talk me into buying/restoring courtesy of the unfortunately-named Fornax.

It is full spring now, which means J and I have been hit with the home improvement bug. We have been planting some perennials in the garden, removing some of the ugly pavers left over from the previous owners' landscaping attempts, weeding and fencing in the strawberry patch in the hopes that we'll actually get to eat some of them this year rather than just having the happiest rabbits in the greater Lafayette area, painting the picnic table in our back yard, and pruning hedges. We've also got plans to paint the exterior of the house this summer and finally get to work on the downstairs bathroom, which has been on the back burner for about a year and a half.

I was mentioning all of this work to my mother when she suggested now might be a good time to fix the foot moulding in the upstairs hallway.

You see, back when we moved into our house in 2010, we pulled up the upstairs carpet and refinished the lovely hardwood floors underneath. Unfortunately, at some point in our home's history, the original foot mouldings were spirited away, possibly to make room for the world's ugliest Pepto Bismol pink carpeting which we gleefully ripped out. While the company that handled the floor refinishing could have easily made new floor moulding to match our gorgeous floors, it would have put us over the budget we'd set aside for it. So, we let it be.

Other than the time I dropped an earring that got lodged in the space between the floorboards and the wall because there was no foot moulding to cover such a gap and thereby prevent such an earring loss, I haven't given a single thought to our missing flooring pieces in the last three years. (We were able to get the earring out with a pair of tweezers and some patience, and then soaked the earring in a 100% alcohol solution to kill whatever crawlies it might have picked up during its short floor-bound incarceration. So no harm, no foul.)

While J and I could certainly have the floor fixed at any time--we just need to set the money aside--it doesn't bother us enough to bother with. We have other places we want to spend our money (like on our garden) and other places we need to spend our money (like on our exterior paint), so we just let little things slide.

And that, I've realized, might just be the reason why we are able to live as far below our means as we do. For instance, J drives a 20-year old Volvo 240 station wagon for which he receives a great deal of ribbing from friends, co-workers, and family. But the car runs great, has the Volvo level of safety, and J is happy to do the work on it. Even though J's boss teased him about the giant blue brick recently when J drove a group to lunch, we ultimately know that it doesn't matter in the slightest what other people think of the car. It's an inexpensive (and fun) car to own, and it fits our needs. (J's boss also found himself reluctantly impressed with the car by the time he'd ridden in it).

In addition, I'm still wearing the same maternity tops that I bought three years ago that are getting a tad worse for the wear. While it would be lovely to have some clothes that don't have tiny stains on them, I also know that I don't have to look professional (or even pulled together) at any point during my day, so I save my money for other issues. I'm happy to wear out my clothes until they've fallen below even my unfastidious standards of what constitutes something you can wear in public.

You, too, can pare down your list of necessities to a much more affordable tally if you simply lower your standards!

For me and J, floor moulding, a car built in this Millennium, and clothing free of stains/holes are simply luxuries that we consider completely unnecessary. Our lives wouldn't be appreciably better with those things, so we do without them.

What do you do without/consider a want rather than a need/no longer consider as standard, in your quest for frugality? What kinds of teasing do you get from others who just want you to fix the dang floor!?

5/17/13 TDS Special Offers

PamH — Fri, 17 May 2013 13:47:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

Multi Function Tablet Travel Bag and Organizer

List Price: $14.99
DEAL PRICE: $5.99 (60% Off)
Get two for $9.98 (66% off)
Product Details

Problem clicking the button above?
Try Click Here

I absolutely love this! In fact I had bought one of these at what was supposed to be a discounted price of $9.99. You see we have a much better price, but even at the higher price I love it. That's the reason we got these.

I loved it so much I went straight to the manufacturer and struck a deal. You can actually get two of these (one in each color) for $9.98!

What can you fit in this? What CAN'T you! Looking at this might be misleading. It's slim but boy oh boy does it hold stuff. It's the ultimate organizer loaded with pockets to keep whatever you have in place and at your fingertips.

Soft and light, yet durable, the padded pocket allows you to hold items like your iPad or maybe even certain sizes of Ultra Book. It has tons of pockets taht you can hold all kinds of things like cosmetics, USB memory sticks, digital cameras, cellphone, and even your glasses safely and securely!

What's even better is you can use this on its own or fit it into larger bags like laptop bags, briefcases and more. I have the green one I use for in my backpack and it's great because I can always see it. I also have a gray one I keep on my desk. It keeps me a little more organized.

FEATURES:
- Available in Two Colors
- Multi-functional
- Loads of Pockets
- Durable and Easy To Clean
- Material: Nylon
- Padded
- Portable and Compact
- Perfect for holding cosmetics, tablets, cords, cell phone, cards, etc.
- Great for Travel
- Use Alone or Inside Backpack, Briefcase or Large Purse
- SIZE: 12" Wide x 8" High
- Expands to almost 3"
Grab one for $5.99 or save an additional $2.00 and get two for $9.98 - YES you can mix and match colors. Grab a bunch, every will want one!

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

Save Money by Visiting Nature

Lori Blatzheim — Thu, 16 May 2013 15:47:00 GMT

The State of Minnesota has not had a real spring this year. Instead, we have a "Spummer." What is a Spummer you ask?

It is a year in which spring comes very late, and runs right into summer. Our normal spring arrived 6 weeks late and now we are all trying to catch up.

Suddenly farmers are out in the fields trying to plant crops, highways are being evaluated and the repair process has begun. Children are trying to catch up on spring sports. Clothing is changing from winter jackets to no jackets.

People now have the opportunity to take a real look at nature that exists around us. We do this with no cost.

The photos included in this post are sights we havent seen for 6 months!

University of Minnesota Landscape Arboretum

Most of you probably have flowers in your neighborhood. This photo represents some of the only flowers in our city.

Preparation for a summer dreamed of in March

When lakes warm up (many are still cold) the lakes will be covered with fishing boats and canoes. Those in ths photo were placed there by optomistic fisherman and those who canoe.

The lakes are important to all of us

They are beautiful most of the time. They tie us to nature. They are alive with fish and other creatures. They provide us with sport and food. Families celebrate traditions that have tied them together for years.

Nature is entertaining us just by being there.

We, our families, and friends, can have a wonderful time at little cost. Instead of Mall Walking, we now spend time checking out our favorite trees, animals, and pathways. We meet with friends and picnic. We drive to cabins on as many weekends as possible.

I have to close for now, I need to walk down to the lake and onto the trail.

I wish you a pleasant summer season and urge you to visit the opportunities the earth provides.

Lori Blatzheim

Lori Blatzheim is a wife, mother, grandmother, writer, thrift advocate, and retired nurse. She knows that use of Thrift can help people because she has experienced the benefits.

Are you a Senior? Do you have a friend or relative who is considering retirement or has already retired? Check out this web site: Retire and Renew:

http://retireandrenew.com

5/15/13 TDS Special Offers

PamH — Wed, 15 May 2013 14:03:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

Non-Slip Hydro Rug

List Price: $29.99
DEAL PRICE: $13.99 (53% Off)
Get two for $25.98 (56% off)
Product Details

Problem clicking the button above?
Try Click Here

I admit I was skeptical at first. It sounds good, but how well does it work when you put it to use?

The answer is unequivocally YES! I am so happy with this item I have bought a bunch to give as gifts.

You may have seen the TV commercials, let me tell you it is so much better than they say.

If you haven't seen it, in a nutshell, the Hydro Rug is carpet for your shower and bath, getting the benefits of a carpeted area without worrying about it getting moldy and disgusting. You can use BOTH inside your shower/bath or outside as a bath rug.

The unique anti-microbial poly-fibers allow water to flow right through it and the non-slid backing ensures it stay were you put it.

Here's what I say... If you currently have a bathmat in your bathtub and shower GET RID OF IT and replace it with this Hydro Rug.

I can't stress enough... this Hydro Rug is mildew and stain resistant. It's fast drying and is comfort for your feet... it's is like having a shower floor made out of loofah! So your feet get a nice scrubbing too!

FEATURES:
- Anti-Microbial Technology
- Mildew and Stain resistant
- Non-Slip
- Fast Drying
- Always Clean
- Never Fades
- Lasts For Years
- Comfort For Your Feet
- Never Soggy
- Dimensions: 29.5" x 17.25"

It's easy to use: Place it directly over the drain. That's it This may be the last bath mat you ever buy!
Get one for $13.99 or save an additional $2.00 and get two for $25.98

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

Your Retirement Questions Answered, Part I

Emily Guy Birken — Tue, 14 May 2013 15:53:00 GMT

Photo of the world's coolest retired couple courtesy of Alex Proimos

I mentioned several weeks ago that I will be spending my May semi-hiatus from blogging doing research and writing a book about retirement. I also invited you all to pepper me with retirement questions that you've always been afraid to ask.

I have to tell you, reading your questions produced small animal noises of terror from this researcher/writer. I went into this project with a sense of unwarranted confidence. I know money stuff, I thought to myself as I signed the contract to write AN ENTIRE BOOK. This will be a piece of cake.

Then I read through your questions, and I realized there's a reason why people make a living advising people on how to retire. This stuff is complimicated!

So after a few days spent hiding under a desk emitting high-pitched anxiety noises, I started doing my research. I'm still not feeling like an expert, but I feel much more confident about my ability to know where to find answers. (I'm still waiting for the tax code to make sense to me, particularly vis-a-vis retirement, but I suspect I'll be waiting a long time for that one.)

In any case, I wanted to get started answering your retirement questions today, and I thought I'd start off with the excellent question from maggie.glos:

"As a younger person, I am always confused with whether it is better to put my retirement money into one of the funds based on my age and how many years to retirement or if I should be trying to put it into certain stocks. Which is wiser?"

Part of the reason why this is a tough question to answer is because the answer depends somewhat on you and your personal investing style and risk tolerance. Specifically, if you want to personally play the stock market and you have a high risk tolerance, then you'll be unhappy putting money into a mutual fund based on how far you are from retirement. But if you're somewhat risk averse and a set-it-and-forget-it type of investor (which definitely describes me), then mutual funds will be the way to go.

However, since there are very few people who fit that first descriptor, I'll answer Maggie's question as if she's more like the second type of investor.

One of the reasons why it may seem wiser to pick certain stocks is because of how they have historically performed. But if you visit any financial adviser or read any prospectus, you'll see the words "Past performance are no guarantee of future returns" written somewhere, spoken aloud, embroidered on a pillow, or tattooed on a forehead. Any stock that has gone gangbusters can't promise that it will continue to do so--just ask anyone who invested in dotcoms in 2000 or real estate in 2007.

So, historical performance is not a way to pick a stock. That means you're left with other metrics, like the soundness of the company, the performance of the market as a whole, or your gut, which are equally imperfect methods for choosing a particular stock.

That's why most investors mitigate their risk by buying into mutual funds. These funds diversify the investment by buying into many different securities (securities is a term that includes stocks, bonds, and derivatives)--and mutual funds include professional management of the investments.

Basically, Maggie, it's going to be wiser for 99% of workers to choose a fund rather than pick specific stocks.

However, that doesn't completely answer your question. I was under the impresson that you also weren't sure how to go about choosing funds. This is a common problem, and in fact, it is the stumbling block for many many people and can often be the reason why workers don't buy into their company 401(k). They just can't bear the thought of having to read through all the information and make choices.

Thankfully, it's not as difficult as you might think.

Start by determining your risk tolerance. Bankrate has a "fun" version of the usual risk tolerance quiz that can help you determine how secure you can feel with your money in volatile investments.

Once you know how conservative or aggressive you are, you're ready to start determining which fund is best for you. Look at the investment objectives of your available options. These objectives will be stated clearly in the prospectus for each of your options.

As a young person still decades away from retirement, the best objectives will be growth or capital appreciation (either of these terms might be used). If you are particularly conservative, you might temper those growth assets with more balanced assets. For example, you might choose to put 50% in an S&P 500 Index Fund and 10% in an international stock fund, both of which would provide you with a growth objective, and the remaining 40% in a bond fund that would provide you with more stability. A more aggressive peer might change those rations to 60% S&P, 20% international stock, and 20% bonds. But in either case, a young investor needs to make capital appreciation a priority.

As you get closer to retirement--within ten years, let's say--you'll want to start transitioning from an accumulation mentality to rebalancing. This will be when you start scaling back on the aggressive allocations (which are generally stocks) and amping up your balanced allocations (funds that are a combination of stocks and bonds).

When you reach retirement, you will then want to move into allocations that will produce income in your retirement--things like bonds that offer income objectives.

The third investment objective you'll see is safety/stability of principle. You'll see that on cash equivalents like CDs, T-Bills and money market funds. These will not keep pace with inflation, which means that even though you theoretically can't lose principle with these, you are still losing money in the long run because your principle will be able to buy less and less over the years. Go for stability with money you need to keep liquid, but this is not a real investment strategy.

So, to make a long story short, for most people it is wiser to choose funds based on your age/years to retirement.

Phew. Is anyone else sweating? I feel like I just ran a 5k.

Maggie, I hope this answered your question. For everyone else, please let me know if there is anything you'd like me clarify or if you have any other retirement questions you would like answered. The comment line is open!

5/13/13 TDS Special Offers

PamH — Mon, 13 May 2013 13:54:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

Solar Earth Friendly Charger

List Price: $49.99
DEAL PRICE: $29.99 (40% Off)
Get two for $49.98 (50% off)
Product Details

Problem clicking the button above?
Try Click Here

We've sold plenty of battery backups for your smartphones in the past...but we've always been on the lookout for a greener alternative. Most solar chargers are way too big, not powerful enough, or just too expensive.

The Earth-Friendly Solar Smartphone Charger is the perfect emergency companion to all of your electronic devices. This keychain is a portable, rechargeable battery with a hyper-efficient solar panel that draws energy from natural sunlight. It works so well, it can even be powered with indoor lights or a lamp.

It comes with everything you need - a USB cord, 3 of the most common adapters for your device, carabiner keyring, and a traveling pouch. Oh, and one more thing: the battery also features a 3 LED flashlight, making it even more handy.

FEATURES:
- High-Capacity 950 mAh Rechargeable Battery
- Efficient Solar Panel Can Be Charged Indoors/Outdoors
- Universal USB 2.0 Output for Charging all Devices
- 3 LED Flashlight
- Charging Indicator Light
- Over-charge Protection Extends the Battery Life
- USB Adapters Included: Apple 30-Pin, Micro USB, Mini USB
- Choose from Black or White

This thing is great for camping, outdoor trips, the car, or emergencies. Never worry about being lost without a powered cellphone, camera, Kindle, PDA, etc. It charges just about anything with a USB cord, but is not quite powerful enough for an iPad.

Don't have bright sunlight or time to charge it up naturally? That's okay, you can still use it as a standard rechargeable battery and plug it into your computer for quicker energy flow.

A solar-powered smartphone charger can literally be a life-saver. Get this reliable, eco-friendly, and MUST-have accessory today.
Grab one for $29.99 or save an additional $10.00 and get two for $49.98

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

5/10/13 TDS Special Offers

PamH — Fri, 10 May 2013 13:31:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

11-Inch Non Stick Grilling Skillet
with Folding Handle

List Price: $24.99
DEAL PRICE: $11.99 (52% Off)
Get two for $19.98 (60% off)
Product Details

Problem clicking the button above?
Try Click Here

I've been really paying attention to what I eat and I've been eating more and more vegetables. There is nothing better tasting than grilled veggies. They taste entirely different and have almost a sweetness to them.

I initially just asked for a sample (for myself to use) I didn't think this would be easy to ship because of the long handle.

Then it was pointed out to me that the handle actually folds up. PURE GENIUS. Not only does it make it easier for us to ship it to you. You will find it simple to store in your cabinets.

We carried these at the end of the season last year and the Manufacturer was so impressed by the thousands and thousands we sold they agreed to keep us at the below normal cost. I know that we'll sell even more this year.

Your price is actually the wholesale cost that places like Bed, Bath and Beyond, Lowes, Amazon paid for these. Because of this we are asking you to limit any orders to no more than three (3) per order. We want to make sure we have enough stock for everyone. Once we sell out it could be a month or two to get more.

With this pan they thought of EVERYTHING... even a little metal piece that when you close the grill cover it lays on this. And the handle is flat so it closes easily.

So to sum up this item... I love, love, love it. It has never been easier to grill them and the clean up is soooo easy.

FEATURES:
- Ideal for grilling meats, poultry, and veggies
- Perforated grilling surface promotes even cooking
- Perfect for barbecues, picnics, camping, and other outdoor activities
- Folding Handle for Easy Storage
- Flat Panel for Easy Grill Closing
- Easy to clean
- 12 inches in diameter
Get one for $11.99 Save an additional $4.00 and get two for $19.98
Sorry there is a limit of 3 per order

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

Being a Life Insurance Beneficiary

Emily Guy Birken — Thu, 09 May 2013 19:41:00 GMT

As I've mentioned before, my dear dad was a financial planner who got his career started by selling disability and life insurance.

That means he was really well prepared for his regrettably short retirement and for his estate. One of the wonderful gifts he left for myself and my sister was a life insurance policy. My sister and I were named as both the owners and beneficiaries of the policy. He did this so that my sister and I would not have to worry about estate taxes on the benefits--which we potentially would have had to pay if Dad had been the owner of the policy. Dad was a smart cookie and taking care of us like this was one way he showed his love.

I've never been a life insurance beneficiary before, so much of what I'm encountering has been a little confusing/new/tough to figure out. Working as I do in personal finance blogging, I feel like I know just enough about the subject to know just how much I don't know. Add to that the fact that I'm feeling a little weird about this money--I very much wish I could have my father back, but making plans for how to use the insurance money is undeniably intriguing--and dealing with the life insurance benefits has been a little strange.

It started with knowing how to receive the benefits. My father was insured through MetLife, which offers something called Total Control Accounts, which they really try to sell the beneficiaries on. Basically, this settlement option keeps the money under MetLife's control (I like to imagine Snoopy is the one handling the accounting, with a pencil behind his ear and an old-fashioned paper-reciept calculator set up on top of his dog house). The money will continue to accrue interest, which will become part of my payout eventually, and I can write a draft for any amount up to the full benefit at any time. MetLife really wants beneficiaries to take this option, because it means that they get to hold onto/use the money for longer. According to their literature, the interest rate is calculated weekly, interest accrues daily, and it is credited monthly.

The other option was to take a check for the full amount.

Since I needed to talk to my financial adviser about where this money was going, I decided to go with the Total Control Account. As I told my sister when she and I were trying to figure out the best course of action, this was Dad's insurance decision, and he would have made a good one for us. It's possible the money won't stay in that settlement account for long as I start using it for various things, but I know that it's safe where it is and I have flexibility and options.

Now, as I'm waiting for the paperwork to go through, I've had some time to consider what I want to do with the money. My sister told me she planned to give a portion of her share to a children's hospital, which I thought was a wonderful idea. My father loved kids. It took me until I was about 13 or 14 to realize that most of my friends' fathers didn't wave at little kids and flirt with babies. Dad was unabashedly happy to interact with little ones, in a way you rarely see in grown men. So I'm pleased to follow my sister's suggestion to give away a portion of the money in Dad's name to help children in need.

As for the rest, I'm going to put the majority towards my own retirement and some towards LO's and Thing 2's* college funds.

I like to think that Dad would approve of my plans for the money. He did once say he would get down on his hands and knees to scrub floors to pay for Harvard if that was where my sister and I wanted to go, and I feel similarly about my kids' college educations. (My feelings about college are evolving somewhat, considering the spiraling expense and the relative lack of return, as much as it pains me to look at education from a purely financial perspective. But anything I can do to take finances out of the education equation and that will allow my kids to follow the educational or life path that will bring them the most fulfillment and success makes me feel good.)

It feels strange to suddenly have this money. J and I are doing fine without the money, and my retirement and the kids' educations would certainly be taken care of without it. That's part of the reason why I want to make a donation to charity that is larger than we could afford--because that is something that I know I couldn't do without this gift, and I'd like to pay it forward.

I just hope to be worthy of this last gift from my dad, and I hope that I am responsible with it.

*I have not yet announced to my Dollar Stretcher readers the big news that J and I are expecting baby #2, in mid-September. Before we knew that this baby was also a boy, J started referring to the baby as Thing 2 (as in, the second of the Cat in the Hat's two associates), and it stuck. So even though we've picked out a lovely name for our second son, I'll probably continue to refer to him as Thing 2 online.

Making it without an income....

Millers Grain House — Thu, 09 May 2013 14:29:00 GMT

Stretching our dollars (and of course referring to this wonderful forum, website and newsletters) has been a way of life for us for about a decade now. During which we spent an entire year without any regular income coming in.

I recently referenced this in a previous episode of my half hour radio show and received a letter from a listener inquiring if I could elaborate further. There was the questions in her mind and then I thought most likely in the minds of others who listen or are facing a similar struggle. Questions like:

•    Did we live off of our savings?
•    Did we go on a government program?
•    What did we do?

As I ran through the history of that year and began to write her back...it dawned on me it was easier to have a 'conversation' and talk about it than it was to formulate an entire year's journey in writing. Thus it became the next episode. Listen to the link if you'd like to know how we made it an entire year without stable income. It is my hope that this will encourage you if you are facing a similar issue or encourage you to prepare just in case one day you may be in that situation yourself.

Surviving on Shoestrings – Episode 4: Answering a listener’s email. “How did you make it without income?”

5/08/13 TDS Special Offers

PamH — Wed, 08 May 2013 13:50:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

Chilly Towel - Keep Your Cool All Day Long!

List Price: $29.99
DEAL PRICE: $9.99 (66% Off)
Get two for $15.98 (73% off)
Product Details

Problem clicking the button above?
Try Click Here

You are not going to believe today's great product...we've been waiting for these to come in stock - and here they are! Just in time for the heat wave that is gripping the country! And at our discount you can't afford not to stock up.

Everyone in the office is ordering a bunch for their families. I'm talking about the Chilly Towel - an amazing way to keep cool on even the hottest days of the year.

This 27" x 18" towel is made of a super-absorbent shammy-like weave. All you do is soak it in any-temperature water for a bit, wring the excess water out - and shake it. Seriously - shake it, and whirl it through the air a few times to let the magic happen. The towel is made of a hyper-evaporative material that actually cools down as the water dries out. After a few shakes it downright feels ICY-COLD!

FEATURES:
- 27"x18"
- Super-Absorbent Material Stays Dry
- Reusable and Washable (Let it Air-Dry)
- Hyper-Evaporative Properties Make It Cool
- Just Soak, Wring, Shake
- Non-Toxic
- Resealable Container For Later Use

It's great for all indoor and outdoor sports, walking/running, gardening, or just keeping cool. Grab some for the kids in their summer leagues - it's safe for them, and they will love shaking the towel.

It's better than using a wet rag, or soaking a bandana - this towel is dry to the touch, and will be cold for hours. When the towel dries out, just re-wet and start again - it's completely reusable. You can even store a moist Chilly Towel in it's container to use for later. To clean, throw it in the washing machine or hand wash - but let it air dry.

Now, we have an exclusive deal with the manufacturer on this, so you won't find the Original Chilly Towel anywhere else! Make sure you pick up a few.
Get one Chilly Towel with Case for $9.99 or save an additional $4.00 and get two for $15.98

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

What JC Penney Can Teach Us About Rational Behavior

Emily Guy Birken — Tue, 07 May 2013 19:12:00 GMT

Photo courtesy of Dravecky

By now, you've no doubt heard the news that JC Penney has fired their new CEO Ron Johnson after only 17 months on the job, and reinstated their old CEO Mike Ullman.

I've been following this story about JC Penney with interest, because I was actually very heartened by the changes Johnson instituted. Rather than artificially inflating prices so the store could have sales and send out coupons to customers, Penneys had decided to go to a "fair and square" pricing system, where they just kept their prices reasonable and consistent. That meant you could stroll into a Penneys on any old day with no coupons whatsoever and know you were getting a good price.

That, to me, seems like a great innovation.

Unfortunately, I seem to be in the minority.

What Ron Johnson didn't take into account was the fact that shopping is very rarely just about purchasing goods. For the bargain-hunting types who thrive on sales, coupons, special deals, and the like, shopping is actually a game, wherein you can "win" if you save more money than some other sucker who's paying full price. For many shoppers, scoring the cute blouse for just under $10 is more about the thrill of the hunt, and less about the blouse itself. This hardly makes sense if you're looking at shopping rationally--which I try to do and Johnson clearly did--but considering what we see once a year on Black Friday, it's probably safe to say that "rational" and "shopping" are not necessarily two words that can be uttered in the same breath for many American consumers.

Basically, Johnson was under the impression that Penneys was selling consumer goods, when in actuality, they're in the entertainment business. By changing the pricing system to reflect the true cost of the items for sale, Penneys took out the entertainment value of bargain hunting, and completely eliminated many shoppers' reason for shopping there.

As they're new ads have proclaimed, "Oops!"

For me, I'm disappointed that things have gone the way they have for Penneys. (I'd like to think that if I had spent any time thinking about the new pricing system, that I would have had an inkling over a year ago that it wasn't going to work--but I don't think I'm nearly that smart). I would love to see shopping become a more straightforward transaction: you need a particular item, you search for said item and potentially compare prices, you purchase said item. End of story. But considering the fact that shopping (and even bargain shopping) is something of a national pastime, it's unlikely these kinds of games will be ending anytime soon.

Too many of us enjoy the game for companies to start replacing it with rational pricing.

What did you think about Penney's "fair and square" pricing strategy? Were you pleased or disappointed that bargain hunting was no longer possible? Are you more likely to shop there now that you can take advantage of sales and coupons again?

5/06/13 TDS Special Offers

PamH — Mon, 06 May 2013 13:42:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

Tactical Swat Rechargeable
Cree Flashlight

List Price: $59.99
DEAL PRICE: $19.99 (66% Off)
Get two for $35.98 (70% off)
Product Details

Problem clicking the button above?
Try Click Here

Here we go again - showing you not only the brightest kind of flashlight we've ever offered, but it's included in this fantastic kit you won't see anywhere else.

First of all, let's talk about this great flashlight. Instead of packing a bunch of little LED bulbs into the head of the flashlight to make it brighter, the Tactical SWAT Flashlight only has one EXTREMELY bright bulb. These Cree bulbs are the next big thing in flashlights - at 3 Watts, 120 Lumens, these can shine over 200m away. Fully adjustable focus shifts from flood to spot-light. The soft-touch button cycles through high and low intensity, as well as a strobe function.

Unlike most other flashlights, this one comes with a rechargeable battery that will last up to 3 continuous hours when fully charged. To charge it, the kit includes a car and wall adapter. If that's not enough, there's a handy adapter that accepts 3 AAAs (Batteries Not Included).

KIT INCLUDES:
- 6" Tactical Swat Flashlight
- Rechargeable Li-Ion Battery
- Car Charger
- Wall Charger
- Wrist Strap
- Orange Safety Wand Head
- AAA Adapter (Batteries Not Included)
- Plastic Battery Shell (Keeps it in place)

FEATURES:
- Adjustable Focus for Flood or Spotlight Functions
- High-Beam, Low-Beam, and Strobe Modes
- High-Intensity Cree R3 Bulb lasts 110,000+ Hours
- 3 Watts, 120 Lumens
- Can Be Seen From Over 200m Away
- Water and Shock Resistant
- Rechargeable Li-Ion Battery or 3 AAAs (Not Included)

This flashlight will last you forever - the bulbs are rated at over 110,000 hours in their lifetime, which should be plenty long enough! The durable design is also water and shock resistant. It's made of high-strength aerospace aluminum.

Use it indoors, outdoors, and especially for emergencies. An included orange safety wand can also screw on the head of the flashlight for added visibility.

This light is so bright, you could even use it in self defense if you needed to blind a would-be attacker. Strong points on the end would even make this a powerful striking tool.

As one of the brightest flashlights we've ever sold, this deal is made even better with a killer kit and everything you could possibly need.

Get one kit for $19.99 or save an additional $4.00 and get two for $35.98

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

Know your Department Store

Lori Blatzheim — Sat, 04 May 2013 13:05:00 GMT

Welcome to Minnesota home of shopping malls.

Southdale, a shopping mall located in Edina, MN, opened in 1956 and has been in use ever since. It is the oldest fully enclosed, climate-controlled Mall in the United States.

Then there is the site we call the Megamall

Welcome to Thrifty Living Today. A special way of life for the Twenty-first Century.

My name is Lori Blatzheim and I am your host.

The Mall of America, located in Bloomington, MN, opened to the public on August 11, 1992. It has become the most visited shopping mall in the world with more than 40 million visitors annually. The Mall employs over 12,000 workers.

These two sites are located 8.17 miles from each other. This is an easy commute. Yesterday I drove to and visited both of these malls.

Why you ask?

My husband has been intrigued by notices presented by Herberger's one of our local department stores,

He found a fine group of advertisements placed in the “Star Tribune,” the major Minneapolis newspaper. Since I was driving to the Megamall for lunch with my mother and sister, I could easily check out Herberger’s on the way.

What did I find when I arrived at Southdale?

I was ambling along the aisles at Herberger’s, taking in the plaques above sections of clothing and considering the summer colors of women’s wear. I had arrived on coupon day (a very large notice had appeared in the newspaper). The number of shoppers was substantial.

Groups of outdoor wear, business suits, sleepwear, and lingerie were present everywhere. I viewed a large area dedicated to shoes. There were hangers full of sale clothing with percentage prices listed on large signs. Amounts of 20% off, 40% off and other prices greeted the eye.

I had planned to do a “walk through” to satisfy my husband but when I saw a sales person standing, I decided to ask her a few questions.

What do you consider your primary sales items? I blurted out? Why do these shoppers come to your store? What are they looking for?

I don’t think she receives this type of question every day. But, being a helpful and kind person, she decided to address my questions. She rattled off her response:

· The primary sales items are women’s wear and shoes.

· Shoppers are attracted to and usually present coupons at the time of purchase.

· Those who come to the store are looking for sale, coupon related, and brand items.

· Many check out the shoes.

Following our initial answers, she went on to explain:

· Herberger’s focuses on women’s wear and shoes.

· Children’s clothing is available.

· Men’s wear is marginal.

· This store does not sell items used in the home. (Larger Herberger’s stores sell these.)

Do you really know your department stores?

By the time we came to the end of our discussion, I realized I knew a lot more about Herberger’s. I had heard about the history of the store, its focus, and the type of clothing I might find. I also learned there were special programs and coupons set up which benefitted Goodwill a well-known and popular program in our State.

It occurred to me that asking questions while at a store could really help me. I would learn a lot of things.

I would like to respectfully suggest that you do this when you shop. Check out the what, when, where, how, and why.

· What does the department store sell?

· When do they sell it? Is it seasonal? When is the best time to buy it?

· Why do they focus on certain items?

· How do they display items and where are they found?

· Why should I buy from your store? What do you think is the best part of your store?

With a knowledge of the department stores in your area, you can choose to drive to the one most appropriate. You will be familiar with the stock and know the inside location of what you want.

For more information on the two famous malls, see below: Southdale Center

http://en.wikipedia.org/wiki/Southdale_Center

The Mall of America

http://en.wikipedia.org/wiki/Mall_of_America

On Being Called Cheap

Emily Guy Birken — Fri, 03 May 2013 20:22:00 GMT

Yes, I pinch pennies.

It happens every once in a while. Being of a frugal nature, I look at things in the way that will avoid spending unnecessary money.

Sometimes, that means someone will call me cheap.

I hate it when that happens.

Honestly, it's gotten better since the economic downturn. Being frugal has become something to aspire to, rather than something to be ashamed of. People can talk openly about their extreme couponing and the way they stretch their meal plans over a week, and it's now considered interesting conversation instead of proof of being both boring and a cheapskate.

But still, from time to time, my frugal worldview will prompt someone else to decry "cheap!"

I'm a little sensitive to this non-insult. I know that in general, nothing is meant by it. People who do not understand why and how I live the way I do have to find an easy method of comprehending my lifestyle. I know that I pay close attention to small amounts of money that other people simply don't worry about, which may make it seem as though I'm particularly parsimonious. (I'm not. I just like to pay attention). I also know that just because I make decisions that are different from others' doesn't mean either method is better than the other. I know all this, but it can be hard to feel it.

I really admire the individuals who embrace the cheapskate image. They have a "Nobody bodders me!" kind of attitude that I wish I could emulate.

But, personally, I don't want to be thought of that of as cheap. Careful with money, yes. Frugal even, sure.

But cheap to me seems like the opposite of generous, which I truly hope is not the case in my life. Part of the reason why I am so frugal is so I can have money available to spend on things that are important to me--and that includes family and friends, the ability to stay home with my son, his future education, wonderful experiences, and charities I care about.

Ultimately, I know it truly doesn't matter what other people think of me. (And no matter how often I might hear my name and the word cheap in the same breath, you won't see me changing my money habits. I wouldn't know how to, for one thing).

But I do wish I knew better how to let this particular epithet roll off my back.

Has anyone ever called you cheap? How do you deal with it?

Make Your Own Food... Your Own

Pat — Fri, 03 May 2013 16:05:00 GMT

I grew up before there was such a thing as boxed mixes and "convenience" foods. Okay, maybe there were a few... but not many. I don't remember Mom every buying any. Everything we ate was made from scratch and that's how I learned to cook, so I do that most of the time today. I will admit to getting lazy now and then and getting a package of those noodles with dry sauce that all you do is dump into boiling water, but not often. When I cook like Mom, I use chicken bouillon cubes if...(read more)

5/03/13 TDS Special Offers

PamH — Fri, 03 May 2013 13:50:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

Waterproof Bags for Smartphones

List Price: $14.99
DEAL PRICE: $6.99 (53% Off)
Get two for $10.98 (63% off)
Product Details

Problem clicking the button above?
Try Click Here

This is something I have been waiting for! I love my smartphone and practically can't live without it. I mean it's a small computer!

When I travel I like to hang out by the pool or beach. The problem is if my phone gets wet or sand in it it's toast. So I bought this big bulky (and extremely expensive) Otterbox Case that was just a pain to use and get my phone in and out of.

When this came around I was excited. Well watch our video and you'll see me submerging my phone in this bag and still working it!

I will admit at first glance this doesn't look like much. And that's the idea! They are made to be rolled up and stuffed in your pocket so you always have it with you when you need it. Try doing that with a big hard plastic case.

These bags are made to take a beating. Made of ultra-durable TPU, they are heat, cold, puncture, scratch, and tear resistant. Did I mention that you can still talk, text, take pictures, or even play a game of angry birds with your phone in the bag?

All this and our killer low price makes it a must to grab for your phone! We also have one for just about all Tablets (iPads, Androids, etc...)

FEATURES:
- Protects against Water, Dust, Sand, Snow and more...
- Includes 36" long Strap with clips
- Touch Screen Works Through Bag
- Reusable
- For Phones: iPhone 4, 4S, iPhone 5, Samsung Galaxy 2, Samsung Galaxy 3, HTC One X and more
(Check sizing on the site)

Follow All Instructions on Package Do understand, even though I did submerge it and keep it under for a while, this product prevents rain, splash, a small amount of water. Can't be used for diving or serious amount of water.
Get one for $6.99 or save an additional $3.00 and get two for $10.98

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

5/01/13 TDS Special Offers

PamH — Wed, 01 May 2013 14:14:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

Aluminium Coin Buddy Organizer

List Price: $19.99
DEAL PRICE: $5.99 (70% Off)
Get two for $9.98 (75% off)
Product Details

Problem clicking the button above?
Try Click Here

Don't you hate when you can't find the exact change when you are at a toll booth or in the drive-thru? Me too! I always feel like I'm holding up the line. It's not an issue for anymore, want to know why?

I keep one of these Aluminum Coin Buddy Organizer in my purse, and also one in my car. It keeps my coins organized and in hands reach at all times. I now don't feel like I'm holding up the line looking for $.12.

I loved how convenient this was keeping in my car when paying tolls that I bought each of my sisters one and my father.

One of my sisters car already had a coin organizer so she gave hers to her son. He loves asking everyone for change to add to his Coin Buddy, and it teaches him to count and to save.

It holds 35 coins, and you can also add some folded bills to the top compartment. Perfect to bring to a poker game with friends. Also great for briefcases, purses, cars, poker games, and so much more.

FEATURES:
- Choose From Different Colors
- Aluminum Shell
- Resin core
- Holds over $5.00 in change! (49 Coins)
- Dimensions: Diameter 3.25" Thickness: 1"
- Can also hold some folded bills in top compartment
- Great for the Car, Backpack, Briefcase, Desk, Purse, Pocket and more
Get Your Coin Buddy for $5.99 or two for $9.98

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

Threatening the Cable Company Works

Emily Guy Birken — Tue, 30 Apr 2013 20:39:00 GMT

Image courtesy of Ralpharama

You may recall my previous complaints and hand-wringing over dealing with our cable company, Comcast.

My most recent conversation with Comcast made it clear that we could save something like $50-$60 per month if we were to drop cable, while still keeping our internet and home phone service.

Since today is the last day of the month, it was grand bill-paying day, with the ritual blowing of the checking account conch shell to announce the start of the day, the removal of the sacred bill-paying pen from its hermetically sealed glass case, and the ceremonial banging of the head while waiting on hold with various and assorted "customer service" agents. (I did, however, skip the sacramental bill-paying and head-banging robes. I was running a little short on time, and it's only me here.)

In any case, I got Comcast on the horn sometime this morning. I was a bill-paying woman on a mission. I was going to cancel cable, free up some time that I know I can better spend than by watching endless Friends reruns over and over again because they just happen to be on TBS, and save myself somewhere in the neighborhood of $600 per year.

The first individual I spoke was clearly reading from cue cards. I said I was planning on cancelling cable, and she told me she could certainly understand my frustration. I wasn't frustrated. I wasn't complaining. I just wanted to cancel my cable.

She did not have that authority. (Apparently, cancelling your cable is the sort of thing only a manager can handle. I suspect there's a special register key, like at the grocery store).

She put me on hold to talk to a customer service specialist--nominally the person who had the authority to cancel my cable, but in actuality, the person who was going to try to convince me to keep cable.

I waited on hold for 9 minutes for my customer service specialist, who, once she got me on the phone, asked if there was anything she could do to change my mind. I told her no.

She told me that my price for just phone and internet would be $105 per month. This is a good $20 more than what the last person quoted me for just those two services, but expecting consistency in prices at a cable company from one phone call to the next is as useless as expecting bullfrogs to tap dance. It just ain't gonna happen.

So, I told her that sounded just dandy to me, and to please go ahead and cancel the cable.

She then pulled out the big guns. She could, as a special favor to me, return me to the original bundle price I was given three years ago: $99 for all three services. Which, as you may notice if you're keeping score at home, is LESS expensive than the cost for just the two services I was interested in keeping.

Apparently, Ms. Customer Service rep thought I was playing hardball when I really just wanted to cancel the cable.

Even though I really was looking forward to the time I don't turn on the TV as a matter of course, I agreed to the "new" price, which will theoretically last through the next year. (I say theoretically because I have some trust issues with cable companies).

I'm not entirely sure why Comcast is so very committed to keeping our intravenous television drip on and working--particularly considering the fact that we don't order Pay-Per-View (with one notable exception), we don't upgrade to premium channels, and we have a conversation something like this about once or twice a year.

But, considering the fact that I saved about 40 bucks a month by engaging in the ritual head-banging of bill-paying day, I'm feeling pretty pleased about it all.

Now, if you'll excuse me, I need to go see what Monica, Chandler and the gang were up to 15 years ago.

Apparently, You Shouldn't Buy Organic

Emily Guy Birken — Mon, 29 Apr 2013 20:27:00 GMT

I LOVE it when a recognized authority backs up my secretly held convictions. Earlier this month, Jayson Lusk, who holds the illustrious title of "Professor and Willard Sparks Endowed Chair, Department of Agricultural Economics, Oklahoma State University" wrote this piece on Huffington Post regarding the intricacies of buying organic produce.

Now, despite the fact that the article is provocatively titled "Why You Shouldn't Buy Organic," Prof. Lusk is not definitively making the case that no one should buy organic produce. He's simply pointing out the fact that the word organic has quite the halo effect, which makes it shorthand for all the things we want from our food. But despite what we may think, organic produce is not necessarily grown on small family farms, it is not pesticide-free, and it is not necessarily a more sustainable option than conventionally grown produce.

I for one would like to breathe a big old sigh of relief. Back when I was a kid, my parents bought apples and carrots and pears (oh, my!) for me to eat without giving a thought to where it came from. While there are some major issues with thinking your food originated in the supermarket where you found it, there is something to be said for the blissful ignorance that previous generations ate under. They did not have to have the internal grocery debate over whether to spend the extra money on organic produce for their children, thereby insuring their continued health, well-being, and superiority at the local play group, but also insuring that there would be no money left over to send that healthy youngun to college. Or alternatively spending less on conventional produce, thereby proving your hatred for your children and insuring they would never actually make it to college since the pesticides would addle their brains before getting there.

I have long looked askance as the so-called dirty dozen, the list of the 12 most pesticide-contaminated produce that you should apparently always buy organic. This list was supposedly created in order to help shoppers on budgets decide what organic produce was most important so they didn't have to purchase all organic produce. Unfortunately, the list constitutes the 12 most commonly purchased produce items in any shopper's cart and really doesn't help anyone's budget since it's fairly rare that one buys fruits and veggies that are NOT on the list.

So, based upon that simple fact of cost, I decided not to buy organic. I simply couldn't afford it.

Then, several years ago, I read somewhere that the cancer-increasing effects one faces by ingesting pesticides are much much much smaller than the cancer-reducing effects of eating lots of fruits and veggies, whether they are conventional or organic. So basically, if you feel like you have to buy organic produce or no produce at all--you're actually better off with the cheap, "poisonous," non-organic apples.

And that was basically the end of my feelings of guilt for purchasing non-organic.

Don't get me wrong--I love the goal of organic, sustainable, locally grown produce. Living in Indiana, we have an enviable farmer's market every spring-through-fall that I love to shop at. I like supporting local farmers and knowing where my produce is coming from.

But I don't make it my mission to eat entirely organic, because that way madness and the poor house lies. The only organic purchase I regularly make is milk, partially because it seems to last longer than conventional milk, and partially because I really prefer the taste. (And partially because I read some information about what makes it into conventional milk. That turned my stomach. I have no idea if I'm avoiding the issue by drinking organic, but some things you just don't want to know more about).

All this is to say that I would love to see our food production be as healthy, sustainable, and financially viable as possible. But pinning all of our hopes on the word organic (like when you see organic candy, which seems to be missing the point) is not the way to do it. As with everything else, organic food production is far more complex than the marketers make it seem.

It's human nature to want a simple, hard-and-fast rule about something, and for many food shoppers these days, apparently organic is it.

4/29/13 TDS Special Offers

PamH — Mon, 29 Apr 2013 15:09:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

Wine Bottle Umbrella

List Price: $14.99
DEAL PRICE: $5.49 (63% Off)
Get two for $9.98 (66% off)
Product Details

Problem clicking the button above?
Try Click Here

Joe here bringing you one of those fun little items you see advertised and think to yourself, 'That looks like fun, I should get one of those!'

Well, this is one of those things and this is one of those times. Jump on this deal now because at this special Deal price we're not sure how long we will be able to get these very cool Wine Bottle Umbrellas.

This is the item for oenophiles (that's wine lovers to you and me).

Style and function unite in this uniquely designed Wine Bottle Umbrella. A full sized umbrella housed in a stylish, compact carrying case that appears to be a bottle of wine!

When opened the umbrella features a design that corresponds to the bottle on one of the panels.

Done with it? Return the umbrella to the bottle for secure storage and no drip mess, perfect for traveling and carrying in a purse, bag or vehicle.

Available in 3 Styles: Pink, Red, or Graffiti. Grab a couple or more... this will be one of the most unique gifts you can give!

FEATURES:
- Wine Bottle Carrying Case Dimensions: 2 x 2 x 12 inches
- Umbrella (Open) Dimensions: 38 x 38 x 23.5 inches
- Strap in Handle for Hanging Bottle When Not in Use
- Bottom comes off to allow for drainage and drying
- Full manual available on the site

This is an awesome gift for wine-lovers. Fashionably protect yourself from the elements with Wine Bottle Umbrella.
Get one for $5.49 or save a buck more and get two for $9.98

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

Soap is Soap

Pat — Fri, 26 Apr 2013 16:00:00 GMT

I think Amy Dacyczyn said it first: "Soap is soap." Someone else might have seconded that. If so, I will third it. Soap IS soap. It can be dish soap, hand soap, body wash or laundry soap, but it's all soap and its purpose is to clean something. That means that it's generally interchangeable. Okay, you might not want to wash your hair in laundry soap, but you can certainly wash your laundry in shampoo. As long as it's just shampoo - no color added, no fibers to thicken your hair...(read more)

My Finger Still Hurts: Great-Grandmotherly Wisdom

Emily Guy Birken — Fri, 26 Apr 2013 15:17:00 GMT

My great-grandmother Fannie, who passed away before I was born, was an incrediby wise woman. One of my favorite of her aphorisms is "If I cut my finger and you cut off your arm, my finger still hurts."

I've always tried to remember that it's okay to keenly feel my own personal hurts, even if other people's pain is worse somehow. I can certainly be sympathetic and compassionate for your missing arm and I can certainly be there for you. But at the end of the day, I still feel my cut finger and I can never feel your cut-off arm. And that's okay.

This is something I have thought about often during recent tragedies in the news. It seems to be human nature that someone will start pointing out the "hypocrisy" of our caring about tragedies in our own backyard when people are suffering and dying every day all over the world. I never want to lose the perspective that human tragedy is painful and even unbearable the world over. But I can still nurse my own hurt finger--because it's the pain I'm feeling directly. And there's nothing wrong with keenly feeling something that hits close to home. If we felt that way about every tragedy the world over, no one would ever be able to get out of bed.

I had mentioned this piece of wisdom to a friend recently, so it's been on my mind. This morning, as I was thinking about Fannie's words, I realized that there's a positive correlation to it, as well.

For instance, if my child receives his GED after a long struggle and yours gets a PhD from Harvard, I can still feel proud of my child, without your pride taking anything away from mine. If I skimp and scrape and save to be able to purchase a beater car that I keep running myself and you use your annual bonus to buy a Lexus, I can still feel good about my choice without your finances reflecting in any way on mine.

Even though Fannie had always framed this wisdom as being about the uselessness of comparing heartbreak and tragedy, it's ultimately about the uselessness of comparing, period.

There's no reason to keep up with the Joneses--ultimately, they have their own cut fingers/missing arms they are dealing with that we may never know about. We only have our own particular experiences and we must live our lives based on the hand we're dealt. So it's okay to grieve our own personal losses and feel our own personal pride and make our own personal improvements. Provided we treat the Joneses with compassion and remember that they're also dealing with whatever life has handed them, it's simply silly to envy their house/car/boat/gadget. You have no idea how bad their missing arm hurts.

Since I unfortunately do not seem to have a picture of my great-grandmother handy (and Mom, if you're reading this, could we rectify that situation?), here's a picture of her daughter, my grandmother Ruthie, who was also a very wise woman, embodying the lesser-known adage "If I dance all night at my daughter's wedding in uncomfortable shoes and you just went through foot surgery, my feet still hurt":

4/26/13 TDS Special Offers

PamH — Fri, 26 Apr 2013 13:05:00 GMT

Share your experience in getting this special offer with the editor: Click Here

Daily Deal from our friends at PulseTV:

32" Extendable Magnetic Pick-Up
Tool with LED Light

List Price: $14.99
DEAL PRICE: $4.79 (68% Off)
Product Details

Problem clicking the button above?
Try Click Here

We've had this Extendable Magnetic Pick-up Tool with LED Light item on our site off and on for almost three years.

I decided to feature it at a new low price after getting this bit of feedback from a customer. We also have a video for you to see it in action.

I was actually looking to replace a similar tool that had met with an accident and was no longer usable. What I found was just what I needed, and plan to make use of it in the future. This is a wonderful product to use. - Don M.

It's funny we've had this on our site, yet I had never tried it out. I asked for one to be shipped over from the warehouse and it really is the coolest thing.

One thing to note, the packaging says it can hold up to 6 pounds... well that's not true! In our testing we made it up to 2 pounds, but that was a bit precarious. In reality up to 1.5 pounds is about the max it will lift.

Watch our video of how it works.

Great for seeing and reaching objects like nuts, bolts, washers, screws or other items that are in hard to reach areas and dark places.

The bright LED light in the center of the magnet shines light where you need it. This little tool extends from 7 1/2" to 32" and is light weight and easily fits into your pocket. It has a soft handle for a comfort grip and a clip that can easily be attached to your pocket. Battery Included.

Features:
- Wand extends to 32"
- Easy grip handle
- Pocket Clip
- Built-in LED light
- Battery included
Grab this most helpful tool for $4.79, visit here

Thanks & Be Well,
Anisa & PulseTV Team

Would you like the convenience of having these great offers sent right to your inbox? Then subscribe to TDS Special Offers today.

An Opportunity, a (Sort Of) Hiatus, and Everything You Ever Wanted to Know About Retirement But Were Afraid to Ask

Emily Guy Birken — Wed, 24 Apr 2013 18:58:00 GMT

Last month, I was contacted by an editor at a publishing company about the possibility of writing a book on retirement.

Despite the fact that part of me wants to curl up in the fetal position under my desk, I've taken the gig and will officially be writing a 60,000 word opus on what people about 5 years away from retirement need to be doing to prepare.

My editor is hoping for a very quick turnaround time on my manuscript. My due date is mid-June, which you might have noticed is a scant 7 weeks from now. In order to make sure I hit my deadline, for the month of May, I will be slowing down my Mensch posting to 2 days a week--probably Tuesdays and Thursdays.

I intend to get back to my usual blogging schedule in June, so you won't have to go too long without your daily Mensch fix.

Since I will be spending the next 7 weeks immersed in the world of retirement planning, I thought I'd ask you, dear readers, to share with me the specific questions about retirement that you wish someone would illuminate. I hope to blog about some of the discoveries I make through the course of my research for this book, and I'd love to know exactly what people are concerned about.

Thanks, and wish me luck!