Category: family

  • Back to School $$$ Saving Tips

    Back to School $$$ Saving Tips

    As we begin the 2021-2022 school year during what I call, “The Covid-19 Era,” there is much uncertainty and trepidation.  Some schools commenced last week, others will start this week or after Labor Day weekend.  Our Mayor says the school must be in person because “our children are safer in the classroom.” 

    Whether or not you agree with him, there is one thing that is a certainty,  our students will continue to be schooled and they will need school supplies this year and going forward. 

    Like many things, back to school shopping is a habit.  Some are efficient habits, and some should be broken.  I notice differences in shopping habits between men and women.  The evolution of the internet, Covid-19, and the closing of many malls and brick and mortar stores have forced a change in buying habits for many parents and grandparents.

    Regardless of your habits, there are always things to learn, new habits to form, and ways to save money on these annual expenses, which can add up.  Take a look at my top 8 money-saving tips and perhaps start a new habit:

    1. Make a List, Then Check the House First:  Go through closets, storage, and utility drawers first.  There is a possibility you might have items leftover from the last school year.
    2. Craft a Budget:  It is always a good idea to have a price-range limit that you are willing to spend.  Keep the list with you when you are shopping either on-line or in person.
    3. Consider Setting Up a Gift Closet or Large Draw: A client shared this tip with me as she showed me how she turned a little used hallway foyer closet into a gift closet.  She buys many offseason gifts early at a deep discount and has saved big $$$ over the years.
    4. Check Out the Dollar Store First:  Before going to the big on-line and mega-retailers, there is a chance your local dollar store will have the items you are looking for at a discount.  They often buy excess lots or last year’s leftovers in bulk at a big discount, and pass some of their savings on to you.
    5. Consider a Desktop, Laptop or Tablet: For on-line shopping, it is prudent to use the bigger screen to look at and compare prices.  In addition, although smart phones have many good apps, there are discount and coupon finding extensions that can be added to your computer (especially if you use google chrome) to save you major search time.  See Tip #6.
    6. Consider Adding the Honey Google Chrome Extension to Your Computer: On your laptop, desktop, I pad or other tablet, click www.JoinHoney.com and add the Free extension.  This extension (not for phones) automatically searches for the best prices (often less than Ebay and Amazon) and you are notified immediately before “check-out!”  There are other extensions (such as Capital-One) that you can use, although some are better than others.
    7. If You Use Amazon, Consider Camel, Camel, Camel:  The big four (Amazon, Walmart, Target and Ebay) account for most internet sales.  If you are a loyal Amazon user, consider Camel, Camel, Camel. (CCC) Camel is an Amazon price tracker.  Find the product you are interested in buying, then cut and paste the URL into CCC to look up the item’s price history and/or add it to your price watch list.  If this is too complicated, go back to #6!
    8. Consider Holding Off Buying Trendier Gear:  It is advantageous to wait a few weeks after school starts to see what are the “in” styles.  Sometimes kids are wrong, so it is better to wait instead of trying to anticipate the hip new clothes and sneakers.

    Heed these 8 tips and watch your savings start to add up.  It has been a tough run for our grade-school and young adult students (due to no fault of their own).  I wish you and your families a safe and productive school year!

  • 5 Reasons to Visit Northern California

    5 Reasons to Visit Northern California

    Since we are in the middle of the summer and a pandemic, it is not feasible for most people to travel overseas.  There has never been a better time to explore within the USA.  I recommend considering Northern California:

    1. Mount Shasta:  Beautiful mountain located between Redding and the Oregon border 3600 feet above sea level with hiking, museums, art galleries, and good cuisine.
    2. Sundial bridge: Built by Santiago Calatrava in 2004 this is the only sundial bridge in the USA.  It’s located in the turtle bay exploration park with a glass bottom, great trails, and a museum.  It’s a great stop if driving up to Vancouver and it’s also dog friendly.
    3. Pluto caves: These caves are not marked nor will you find them in any travel guide.  We were tipped off by a local and had an outstanding hike inside of them.
    4. Whiskeytown lake: It’s a reservoir in Shasta county and a big favorite of the locals.  Kayaking and all motorized boating are permitted.  Various levels of restaurants are available in the vicinity.
    5. In and Out Burger: My favorite burger chain.  Family-owned restaurants who unfortunately have stated they will not expand to the east coast.
  • 5 reasons to visit northern California

    5 reasons to visit northern California

    California vacation destinationsRecently I had the pleasure of visiting friends in the far-north reaches of California. While the southern portion of the state is well known for its beaches and metropolitan attractions, northern California holds some notable destinations for travelers who venture north. Here are five attractions I had the pleasure of visiting recently.

    1. Mount Shasta: A beautiful mountain town nestled between Redding and the Oregon border in the southern Cascade range. The town is situated at an elevation of 3,600 feet above sea level under the shadow of Mount Shasta with hiking, museums, art galleries and good cuisine.

    2. Sundial bridge: Designed by famed Spanish architect Santiago Calatrava and constructed in 2004, this is the only functioning sundial bridge within the United States. It’s located in the Turtle Bay Exploration Park. Spanning the Sacramento River the bridge sports a glass walkway where you can see salmon in the river beneath you. Also a great variety of walking trails and a museum. It’s a great stop if driving up to Vancouver and it’s also dog-friendly.

    3. Pluto’s caves: Discovered in 1863 by a rancher looking for stray cattle these caves are not marked nor will you find them in any travel guide. We were tipped off by a local and had an outstanding hike inside of them. Bring sturdy hiking boots, water and a spirit of adventure.

    4. Whiskeytown Lake: Stunning views and turquoise colored waters attract thousands of visitors to this lake. It’s a reservoir located west of Redding in Shasta County and is a favorite for locals. Kayaking and all motorized boating are permitted. Various levels of restaurants are available in the vicinity.

    5. In and Out Burger: My favorite burger chain. Family owned restaurants who unfortunately have stated they will not expand to the east coast. Going west? Better grab one of these fantastic burgers and a tee shirt to make your east coast friends jealous.

    Make this summer a productive one and contact Robert here today for a free financial review.

  • Back to School Shopping- 6 Money-Saving Tips

    For kids, shopping for new gear and supplies may be the coolest part of going back to school. This doesn’t mean you need to “break the bank”. Try these tips to save big money this year.

    1. Make a list then check the house first: Go through all closets, utility drawers and storage areas first. You may already have many items leftover from last year.Unknown

    2. Go to the dollar store next: The next best place to buy items before shopping at more expensive stores.

    3. Shop the big three: Old navy, Gap Kids and the Children’s Place rotate goods often. Ask when they are having sales. Also, if you see an item you bought in the past 14 days later on sale later, you can get the difference refunded as long as you have the receipt.

    4. Hold off buying trendier gear: Wait to see what is in style and buy after the school year starts instead of anticipating trends and wasting cash upgrading later.

    5. Google coupons for on-line purchases: With your list in hand go on-line and search out coupons. You will be surprised at the savings.

    6. Browse craigslist.org: You can find quality things on the cheap and can sell them as well. Just enter your location and click on “baby and kids”.

    Besides saving money on school shopping learn how you may save money on your health or life insurance policies today. Contact Rob for a free review!

  • 6 Ways Father’s Day Golfers can get Best Tee Times

    6 Ways Father’s Day Golfers can get Best Tee Times

    Wishing all fathers a Happy Father’s Day!  For many working full-time, finding time to golf other than weekends and holidays can be a challenge.  Follow these 6 tips to ensure you and Dad can have a great golfing day this weekend:

    1. Plan in Advance: Most golfers book dates between 2-4 days in advance.  Try and reserve your tee time as early as possible.
    2. Book lighter times:  Most golfers book tee times between 10a-1p.  Being an early-bird or late riser can ensure getting tee times at your favorite course.
    3. Heat it up:  Don’t be afraid to golf in the middle of a hot day.  Make sure to hydrate and limit or avoid alcohol midday in the sun.
    4. Use the Internet: There are numerous websites that can assist you in booking tee times.  Try www.GolfNow.com or www.TeeOff.com depending on where you live to book tee times way in advance.
    5. Take a drive:  This is a good weekend to explore a course for the first time out of your comfort zone.  Trying a new course can help you develop your game.
    6. Pony up: When all else fails, ante up and pay the extra money for you and dad to play your favorite course.  Enjoy and don’t forget to stretch before and after playing!
  • 5 Tips for Raising Money-Smart Kids

    Most children are now in the middle of the school year. Unfortunately, most schools don’t teach kids how to budget, spend or how to grasp the value of money.  kids-lemonade

    1. Start early: A 2013 Cambridge U. study found that by the age of 7 (1st grade) most children grasped how money works and ‘core behaviors” they take into adulthood. Teach them the “rule of 72” (amount of time it takes a lump sum of money to double based on a known/fixed interest rate) as early as possible.

    2. Utilize an allowance to teach them: Using an allowance as early as possible helps teach them the value of money and the difference between luxuries vs necessities.

    3. Talk openly about money: Kids learn about money faster than you think. Talk to them about how many weeks of allowance it takes to buy that new lego set and you will be surprised how fast they understand. Not comfortable on this topic refer to Parents.com

    4. Let them make their own mistakes: This can be the best way to learn when the stakes are low. When your child sees this great commercial on tv let them buy the toy with their allowance money. When they realize it was a bad purchase the lesson is invaluable.

    5. Set a good example: Your children see what you are doing and will emulate it good or bad. Let them see you save up for a luxury and put back goods that you don’t need while at the check-out counter.

    Parents often say “I want my kids to be better than me”. Utilizing these 5 tips will help ensure this happens with regards to saving and responsible spending.

    For your own ‘money-smart’ plan or financial review contact Robert here today.

  • 5 little known tidbits about Hanukkah

    5 little known tidbits about Hanukkah

    Since it’s Hanukkah time and my sister in law is Jewish, I decided it was time to deepen my knowledge of the holiday. The holiday with the most different spellings I have ever seen. Happy Hanukkah, here’s what I found out;

    1 ) Spinning the dreidel was originally done by students illegally studying torah . When Greek soldiers would make a surprise raid , students would whip out a dreidel pretending to play a gambling game . dreidel

    2 ) The war of the Maccabees was the first ideological war, fought by a small band of pious Talmudic scholars who engaged in cunning stealth warfare. ( In Israel you can visit the caves they hid in )

    3 ) Hanukkah is celebrated 8 days even though the miracle of the oil was only 7 ( the first day’s lighting shouldn’t count – it’s natural ) to teach us that everything in the “natural” world is really a miracle caused by God .

    4 ) Hanukkah is not the Jewish Christmas. There is no significance to giving gifts during the holiday. But there is a tradition to give gelt ( money ) to give kids an incentive to learn torah . ( Hanukkah also comes from the word “Hinuch,” education. )

    5 ) Around 17.5 million oily doughnuts ( sufganiyot ) are eaten in Israel during Hanukkah , commemorating the miracle of oil . ( Not a good time to start a diet! )

  • 5 Reasons to see the Shark exhibit in Coney Island

    The Shark Exhibit at the New York Aquarium is a big hit!

    Having grown up in Rockaway by the beach I was always interested in sharks.  The movie Jaws kept me up at night.  I just took my nephew to the Coney Island Aquarium shark exhibit and found out the following;

    1. It’s half price all summer: At $15 for adults and $12 for kids, this represents great value for a fantastic time had by all.  I’m told the prices will go up in the fall.
    2. There are 115 species: Including sea lions, otters and a variety of colorful and interesting fish, sea turtles, and rays. Many people don’t know there are 26 shark species living in the New York area.
    3. The $146 million upgrade: The shark exhibit is complete with a 40-foot tunnel and multiple tanks with stunning visuals.
    4. Interesting tunnels and interactive exhibits: I’m going to leave a little of this as a surprise.  The exhibits are very educational and kid-friendly.
    5. Fish from around the world: There are local fish and species from as far as the Great Barrier Reef and Fiji.
  • 5 Things to do on a Budget in New York City

    5 Things to do on a Budget in New York City

    5 things to do on a budget in NYC New York City

    NYC is a great place to visit however it can burn a hold in your wallet

    Check out these options!

    1. Top of the Rock Observation Deck and MOMA (Museum of Modern Art). You can get a combination ticket to visit both for $44 total and can even go on different days.
    2. Museum of Moving Images. in queens just went through a multi-million dollar upgrade with the most collectible from tv/film. Adults $15 and kids get in for $9 ages 3-17.
    3. Coney Island. home of the new Luna park where a 4 hour unlimited wristband can be purchased for $40, fixed date in advance for $29. While there you can see a Brooklyn cyclone baseball game for $20 or less and the aquarium with the new shark exhibit is currently half price $15 for adults, $12 for kids.
    4. Rockaway Beach. Admission is free and parking at Jacob Riis park is

    $10/day and $65 for the summer.  Ride the waves, sunbathe, baseball basketball and various activities are available with no charge.  Hidden gem.

    1. Central Park. entrance is free and there are a variety of things to do or just relax or picnic on the great lawn.

    Contact Robert today for your personal review of your budget, financial plan & financial freedom here today.

  • 7 Places to take your kids this summer outside Manhattan

    Parents are always looking for fun places to take kids this summer.  Whether it’s education or to tire them out, these places will leave lasting impressions on your loved ones:

    1. New York Hall of Science: Located at 47-01 111th in Corona queens and open 7 days. Many interactive science exhibits and attractions to keep your child’s interest.
    2. Indoor Extreme Sports: Play paintball and Black Ops laser tag this place gets the adrenaline pumping. Located in Long Island city and Staten Island.  We have thrown birthday parties here and I will tell you big kids like it too, LOL!insurance, New York City, financial services
    3. Bounce U: Another great birthday place, Bounce U can be found in Brooklyn and College Point, Queens. Open 7 days and not just for parties as they have open bounce hours to wipe out the most feisty children.
    4. The Queens Zoo: Located in Corona, Queens and close to #1 the Hall of Science. The Zoo is open daily and easier to navigate and less crowded than other Borough Zoo’s although they’re all good.
    5. Kids Fun House: Located on fresh pond road in Ridgewood, Queens it’s for children up to 12 years old. There’s a socks only play area for small children while the bigger kids go thru the maze or play arcade games.  There’s also an on-site café.
    6. Museum of the Moving Image: Open wed-sun this place is really fun and was recently renovated. Took the boys last year to the “Behind the Screen” exhibit with Star Wars props etc.  Also, somewhat hidden is an old-school arcade with Ms Pacman, galaga and other games baby boomers will be familiar with.
    7. Artistic Stitch Sports Complex: Located on Cooper Ave. in Glendale, Queens and open from mon-sat. If you have older children, this place has something for everyone.  Soccer, dodgeball, wiffleball and rock climbing to name a few.