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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
GLASSBORO, N.J. – AnnaRose Rubright is blazing trails for countless others.The 24-year-old woman has become the first person with Down syndrome to graduate from New Jersey’s Rowan University.Rubright received her bachelor’s degree in radio, television and film earlier this month, achieving her lifelong goal of graduating from a four-year college. It wasn’t an easy road though. After graduating high school in 2014, Rubright first earned an associate’s degree from a community college in 2017 and then transferred to Rowan. Once at Rownan, Rubright’s mother, Lin, 578

Following the March 31 death of musician Nipsey Hussle, a Los Angeles grand jury returned a murder indictment against Eric Ronald Holder Jr., 29, the Los Angeles County District Attorney’s Office announced on Tuesday.Holder's indictment includes one count of murder, two counts each of attempted murder and assault with a firearm and one count of possession of a firearm by a felon. The district attorney's office said Holder is accused of fatally shooting Hussle, also known as Ermias Asghedom, outside of his clothing store in Los Angeles. Two others were wounded during the March incident. The district attorney's office said Holder's bail was set at .53 million and he faces a possible maximum sentence of life in state prison if convicted. 759
For the third time in two weeks, trading was halted on the floor of the New York Stock Exchange after the Dow Jones Industrial Average fell 7 percent and hit a "circuit breaker."In the moments after opening, the Dow fell more than 2,000. Trading was halted for 15 minutes and resumed just before 10 a.m. ET.Markets hit the 7 percent circuit breaker twice last week — once on Monday and once on Thursday.By the end of the day Monday, the Dow lost 2,999 points, a 12.94% drop. Monday marked the most points dropped by the Dow in a single day. By percentage, the Dow had its second-largest drop in history, worse than any day during the crash of 1929. The loss comes hours after the Federal Reserve slashes key interest rates to nearly zero in the hopes of boosting the economy amid the coronavirus outbreak.Benchmarks in Europe were down as much as 8%, while Sydney's benchmark plunged 9.7%. Japan's benchmark sank 2.5% after the Bank of Japan announced it was expanding its monetary easing. Trading in Wall Street futures was suspended after they fell by the 5% maximum allowed. Brent crude, the international oil standard, fell almost 10% while gold gained.Markets have been highly volatile since COVID-19 began spreading throughout the world. The Dow closed with its single-highest point increase on Friday, but markets have fallen a total of about 9,000 points in the past month. 1393
Fully Loaded: about ,000But which is it, a Mac Pro, or a Tesla Model 3? pic.twitter.com/SFcux4wFbT— R. Alex Anderson ?? (@ralex1993) December 10, 2019 165
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