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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

Growing up, a glass of milk and a cup of juice were considered necessary for our health, but some doctors say that’s not the case. “Years ago, access to calories was not as easy for children,” said Dr. Robin Larabee with Rose Medical Center in Denver. “Having milk and juice was a good way to provide nutrients to children."Dr. Larabee says that notion has gone sour."In most industrialized countries, there’s a lot more access to healthful and varied foods that the calories of milk and juice are just not as important anymore," said Dr. Larabee. Dr. Larabee says milk is only necessary for kids under the age of 2. It's a great source of fat for brain development. As for kids over the age of 2, fat is not necessary and calcium and vitamin D can be found elsewhere.“Calcium and vitamin D can be found in other sources like multivitamins or vitamin D supplements and calcium can be found in other items as well," said Dr. Larabee. For some parents, alternative milks have become a staple, but is those even healthy for children?“Addition of soy milk is not going to change your dietary needs," said Dr. Larabee. As for juice, a 12 oz. glass can be equivalent to a can of soda.“In my mind, there is no rational for juice except for a nice treat," said Dr. Larabee.So, what’s doctor recommended these days?“Straight up water unfortunately is probably the healthiest choice." 1386

For years, millennials have been called out for job hopping and always looking for the next best thing. So, what’s causing the job hop and what can companies do to retain their younger employees?Charlie Harding is the CEO of Let’s Roam and he’s a millennial. He says he knows what the 30-somethings are looking for when it comes to a job."If a company is rigid and inflexible, it allows employees to job hunt or job hop, especially millennials," he says.However, the job market is tight right now and it’s giving millennials the option to choose the job that’s right for them. That could be part of the reason why they are job hopping.“They have a ton of confidence that if they were to leave that it would be OK,” says Karen Policastro, with the international recruiting firm Robert Half. “And if they go somewhere and it didn’t work out, they could just go somewhere else.”Millennials are in the driver seat and want new and unique experiences.Policastro says there’s a lot of competition, and millennials are looking for bigger paychecks, work life balance, healthy company culture, potential for career growth and a manager that values them.“If they aren’t getting it where they are, they are quick to leave,” Policastro says.Seventy-five percent of employees ages 18 to 34 view job hopping as beneficial compared to 51 percent of workers 55 and older.“I think there is a stigma that there is a lack of trust and loyalty,” Harding explains. “But it’s really up to the company to build that trust and loyalty. If they are leaving, it’s not because of the employee; it’s because of the company."No matter the generation, Harding believes it’s fairly simple for companies to retain employees.“If you are able to make employees happy and have a strong leader and understand what they want and how you can help them accomplish their goals, then you can do that,” Harding says. 1888

Former New York Mayor Michael Bloomberg has decided against running for president in 2020, he announced on Tuesday."As I've thought about a possible presidential campaign, the choice before me has become clear. Should I devote the next two years to talking about my ideas and record, knowing that I might never win the Democratic nomination? Or should I spend the next two years doubling down on the work that I am already leading and funding, and that I know can produce real and beneficial results for the country, right now? I've come to realize that I'm less interested in talking than doing," he wrote in an opinion piece for Bloomberg."And I have concluded that, for now, the best way for me to help our country is by rolling up my sleeves and continuing to get work done."Bloomberg publicly speculated about a 2020 bid for months, traveling the country to meet with voters and determine whether a bid was possible.Bloomberg told reporters during this public speculation that he was seriously considering a bid, to the point that he decided he would self-fund a campaign."In terms of running for office, I ran three times. I used only my own money, so I didn't have to ask anybody what they wanted in return for a contribution," he told CNN in January. "The public liked that every time they elected me. And, if I ran again, I would do the same thing."Bloomberg's wealth could have been considered a knock against the former New York Mayor, however, given that Democrats like Sen. Elizabeth Warren have demanded that candidates swear off super PACs and self funding.A number of Democratic operatives believed that a Bloomberg campaign would be doomed by the mayor's positions on policing, ties to Wall Street and the fact that he spent much of his time in politics as a Republican and independent. But Bloomberg also would have brought considerable strengths to a campaign, including his work on climate change and guns and the fact that he has spent millions on Democratic causes for years.Bloomberg leaned into his moderate persona in the opinion piece, urging Democrats to nominate someone who could beat Trump, not someone from the far left of the party."It's essential that we nominate a Democrat who will be in the strongest position to defeat Donald Trump and bring our country back together," Bloomberg wrote. "We cannot allow the primary process to drag the party to an extreme that would diminish our chances in the general election and translate into 'Four More Years.' "After leaving the mayor's office in 2012, Bloomberg continued to be an influential and recognizable figure on the national and international political stage in part because of his leadership on climate change and gun safety. He elevated his profile even further last year as he toured the country to speak with voters and local leaders.At many stops, he blasted Trump over his immigration, environmental and economic policies. Not only did Bloomberg devote considerable time to his anti-Trump agenda, but the billionaire flexed his financial muscle to see it through. He spent more than 0 million in an effort to wrest control of the Congress from the Republicans.The success of that effort coupled with positive feedback from voters around the country emboldened Bloomberg and his team of advisers, according to a person familiar with the effort.But still, Bloomberg kept his team and the country guessing about whether he would jump into the presidential race, with a steady stream of news stories feeding speculation. Adding to that, Bloomberg made an overtly political stop in New Hampshire in January, taking questions at popular campaign stops throughout the state.In announcing that he isn't running for president on Tuesday, Bloomberg said he would instead be launching a new campaign called "Beyond Carbon," which he described as a "grassroots effort to begin moving America as quickly as possible away from oil and gas and toward a 100 percent clean energy economy.""At the heart of Beyond Carbon is the conviction that, as the science has made clear, every year matters," he wrote. "The idea of a Green New Deal — first suggested by the columnist Tom Friedman more than a decade ago — stands no chance of passage in the Senate over the next two years. But Mother Nature does not wait on our political calendar, and neither can we."What Bloomberg does with his money beyond his series of outside organizations will be a key question for Democrats in 2020, given that his considerable wealth could tip the balance for a number of candidates in a crowded field. 4572

Former NFL offensive lineman Mitch Petrus died Thursday night in Arkansas due to heatstroke, officials said. The former Super Bowl champion was 32 years old.Petrus fell ill Thursday evening after working outside at his parents' shop in Lonoke County, Pulaski County Coroner 286