Review your miscellaneous spending this month and find ways to cut back. Try to give up a subscription you don’t really need, brown-bag it to work another few times a week and skip the gym membership by getting your workout at home. Small purchases add up quickly!
Your Turn: How are you cutting back on all those extra expenses that don’t fit another expense category?
Did you know: Seashells used to be a fairly common form of currency in many parts of the world. I guess that's why Sally sold seashells down by the seashore.
Your account suddenly shows $2 million. Do you panic, or celebrate?
If you could choose any city in the world to have been born and raised in, which city would you choose and why? How would this change affect your current life choices and personality?
Your Turn: Which city would you choose to have been born in? Tell us why and how you think life would differ.
Are you ready for #fall? We’ve got a suite of apps that will have your phone doing everything but brewing up a tall pumpkin spice latte for you. The #fallfoliagepredictionmap will help you find the best fall color, and #LeafSnap will tell you what kind of tree produced that beautiful leaf! #BigOven will get your kitchen smelling like fall, with tons of great recipes. If you’re hitting the road, the #KOA app has tons of handy features, and Corn Mazes America will show you all the best places to get lost!
In which type of store do you tend to spend more than you planned?
A. A bargain-priced store
B. A luxury, overpriced boutique
Have you ever wanted to start your own business but didn't? What stopped you?
Let's have some Friday fun! What does this brainteaser say?
You might consider yourself a self-made, free-thinking individual, but everyone is a product of the society they live in. As such, our surroundings affect our decisions every day. This holds true from the largest decisions to the smallest, from the kind of car you drive to the house you live in and the shoes you wear.
Take a moment to envision a life where every choice you make is yours alone. No one will know about it except you and your family, and those are the only needs and opinions you’ll consider when making your choice.
How would your daily decisions change?
Your Turn: Do you make decisions based exclusively on your own needs, or do you consider what other people will think? Share your thoughts with us in the comments!
Are you new to #investing or want to expand your knowledge of the field? The Path, Accelerating Your Journey to Financial Freedom by Tony Robbins and Peter Mallouk offers a step-by-step guide to financial freedom, along with information on finding a financial adviser who fits your philosophy and choosing from the variety of investments available. There’s not much about the world of money and investing you won’t find in these pages!
Is #BlackFriday still happening this year? Pandemic or no, there are still a lot of deals to be had, and a lot of people planning to claim them. If you’re planning on joining the (somewhat smaller) masses, make a game plan, study print and online ads for the best deals, collect online coupon codes and check pre-discount prices to make sure that “deal” really is one. If you’re shopping online, use ship-to-store to save shipping costs, and use an app like #Dealnews to keep current on the best prices. If you’re a retailer, protect your customers by offering sanitizing stations, enforcing mask-wearing, installing barriers, offering curbside pickup and opening extra registers to keep lines down. Happy shopping!
Agree or disagree: There's no such thing as too much savings?
Fun Fact Friday!
Did you know putting pennies in your garden deters pests.
Pennies buried in a garden will repel slugs, which get electric shocks from touching copper and zinc.
We’re working hard to take every possible measure to keep you, our member, and our employees healthy and safe. The recent significant surge in local covid-19 cases is challenging our ability to effectively control the risk that remaining open for all walk in traffic presents to both our staff and the ability to serve our membership. Therefore, beginning Saturday, November 21, 2020, Liberty First lobbies will be closed and available to members by appointment only. We appreciate your understanding that our ability to serve you is dependent upon having a healthy staff. While the situation remains fluid, we plan to conduct in-branch services via appointment only while the local cases continue to increase or remain relatively high in the areas we serve.
Brand-name Battles
Talking points:
1. Is it ever worth spending the extra money on a brand-name item?
2. Are you paying for quality or for the name when you purchase designer labels?
3. After hearing this conversation, where do you think Brittany will buy a sweater?
Brainteaser! What does this say?
Sadly, as our population ages, more and more #seniors are becoming the victims of various frauds and scams; however, the National Elder Fraud Hotline is here to help! Callers can remain anonymous, and workers on the hotline will help with filing reports and give guidance as to how to recover as much of the lost money as possible.