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Holiday marketers have your number, and they know how to entice you to spend.You try to rein it in. But two favorite strategies can lead to spending more, according to a 2018 survey by the Center for the New Middle Class, a research organization funded by Elevate, which lends to credit-challenged borrowers. Consumers who shopped at sales were 50% more likely to say they spent more than they expected. Among shoppers who used coupons, 38.5% said they overspent.Many shoppers try to be careful instead of making a spending plan. Using a budget can feel like it’s wringing the joy out of a happy season. Why? Giving feels good, says Jeff Kreisler, co-author of “Dollars and Sense: How We Misthink Money and How to Spend Smarter.”But simply being careful doesn’t work, “because a lot of the reasons we make poor financial decisions are unconscious,” says Kreisler, who’s editor in chief of PeopleScience.com, which applies behavioral science to the marketplace.However, you can position yourself to recognize — and overcome — overspending triggers.Use the best defense: a holiday budgetAshley Feinstein Gerstley, a financial coach and founder of the Fiscal Femme website, advises setting aside time — not over an hour — to list holiday expenses. Build in a buffer, because you’ll forget some things. But you’ll be better off if you have a number in mind, she says.Be realistic, not rigid, about your budget. Otherwise, controlling expenses can seem so futile you don’t bother trying, she says. “It’s like being on a strict diet and figuring if you cheated and had a cookie, you may as well eat the whole bag.”If you worry about overspending, consider getting a prepaid gift card in that amount, Kreisler says. It can help you stay aware of what you are spending and what’s left.Having a successful holiday spending plan may also inspire you to 1855

Forgetting to keep your Christmas tree watered could have deadly consequences, according to the National Fire Protection Association. According to the NFPA, nearly 160 house fires per year are sparked by Christmas trees. These fires caused an average of three deaths, 15 injuries, and million in direct property damage annually, the NFPA said. A plurality of Christmas tree fires from 2013 through 2017, roughly 44 percent, were caused by electrical distribution or lighting within the tree. Another 25 percent of Christmas tree fires were from a heat source, such as a candle, being too close to a tree. The NFPA also found that 21 percent of Christmas tree fires were intentionally set. In 2017, the National Institute of Science and Technology released a video showing the fire danger a tree not watered can pose. The video showed that a spark to a dry tree could ignite an entire tree within several seconds, engulfing an entire room seconds later. A watered tree failed to ignite in the same fashion. Although buying an artificial tree likely decreases the risk of a fire, for every three fires sparked by a real Christmas tree, one is caused by an artificial tree.The National Fire Protection Association released Christmas tree fire prevention tips:· Choose a tree with fresh, green needles that do not fall off when touched.· Before placing the tree in the stand, cut 2” from the base of the trunk.· Make sure the tree is at least three feet away from any heat source, like fireplaces, radiators, candles, heat vents or lights.· Make sure the tree is not blocking an exit.· Add water to the tree stand. Be sure to add water daily.· Use lights that have the label of a recognized testing laboratory. Some lights are only for indoor or outdoor use.· Replace any string of lights with worn or broken cords or loose bulb connections. Read manufacturer’s instructions for number of light strands to connect.· Never use lit candles to decorate the tree.· Always turn off Christmas tree lights before leaving home or going to bed. 2047

HONOLULU, Hawaii – Daniel Dae Kim, an actor known for his roles on “Lost” and “Hawaii Five-O,” says he has tested positive for the coronavirus and he’s using his diagnosis to combat xenophobia associated with the pandemic. In a video posted Instagram on Thursday, Kim said he was diagnosed with COVID-19 on Wednesday after utilizing a drive-thru testing center in Hawaii. 385

Herb Kelleher, the eccentric founder of Southwest Airlines who helped revolutionize low-cost air travel, died Thursday. He was 87.The company announced his passing in a statement that described Kelleher as a "pioneer, a maverick, and an innovator." The cause of death was not disclosed."His vision revolutionized commercial aviation and democratized the skies," the company said. "Herb's passion, zest for life, and insatiable investment in relationships made lasting and immeasurable impressions on all who knew him and will forever be the bedrock and esprit de corps of Southwest Airlines."Kelleher left his last formal role with Southwest a decade ago, but the airline remains a major force in low-cost air travel. Unlike many rivals, it doesn't charge fees for things like baggage or changing tickets.He is survived by his wife and three of their four children, according to a 893

Highways often cause parents to worry about their children's physical safety, yet there may be other important concerns. Young children who live near a major roadway are twice as likely to score lower on tests of communications skills than those who live farther away, new research indicates."We know that living close to major roadways — interstate highways or state highways — is associated with high air pollution," said 436

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