Why Doing Lines on Black Friday Isn’t All It’s Cracked Up to Be

Despite the conventional wisdom, Black Friday is not the busiest shopping day of the year. Most procrastinators know that honor belongs to the Saturday before Christmas.

Black Friday has changed over the past decade or two, and the Internet has a lot to do with that.

Remember when stores used to give away special gifts for the first 100 customers through the doors on Black Friday? I rarely see that any more.

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How to Make Your Dreams Come True -- Even on a Tight Budget!

Do you have a plan for the future? How about a set of goals? If you could do anything at all, what would it be?

Many of us are so busy with day-to-day life that we don’t have time to think about what we really want for the future. In fact, even if we do think about it, it can be a challenging and perplexing topic.

Goals are important. For many people,

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9 Great Gift Ideas for People Who Have Everything

When it comes to great gift ideas, I always struggle — especially for people who have everything.

My family draws names every year as part of our annual Christmas gift exchange. It’s typically done a year in advance, on Christmas Day, long after all the presents have been opened, and everybody has stuffed themselves on our traditional cavatelli dinner.

I remember one year when I had the misfortune of pulling Uncle Paul’s

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Black Coffee: Forward! Into the Abyss.

It’s time to sit back, relax and enjoy a little joe…

Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance.

A couple of days ago, in this post from my “Are You Smarter than a 5th Grader?” series, I asked my readers to guess which emotion is more powerful in the battle of greed versus fear.

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5 Ways to Avoid Outspending Your Income in Retirement

Everyone looks forward to their golden years as a wonderful time of relaxation and enjoyment. It’s a time to revel in the fruits of your labor, or volunteer if you feel like it. The last thing you want to do is to outspend or outlive your income in your retirement years. Here are a few ways to avoid that scenario.

Start Early

It’s a known fact that those who start to save

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Are You Smarter Than a 5th Grader? Which Emotion Is More Powerful?

Those who are concerned with managing financial risk understand that, when it comes to investing, it’s especially important to have a diversified portfolio — at least in theory. It’s also important to have an exit strategy in place whenever you take a position on a particular stock, bond or any other type of investment. Why? Because an exit strategy, complete with predefined selling points — at both a profit and

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A Few Thoughts From Aunt Doris: Losing Streaks and Winning Ways

This is another post in an occasional series from my dear nonagenarian Aunt Doris.

Aunt Doris (circa the good ol' days)

Are you one of those people who never win? That’s me!

It didn’t start out that way, though. When I was 12, like all British kids, I entered the National Scholarship and, to my amazement, actually won! (I wasn’t the only one who felt that way — my teachers were amazed

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18 Facts You Probably Wish You Never Knew About Black Friday

What’s not to love about Friday?

I mean, really … if Saturday didn’t exist, Friday would be the best day of the week, bar none. (Although I’m sure there are a lot of Sunday lovers out there who vehemently disagree.)

Let’s face it, on any given Friday, it’s hard to find anyone in a bad mood; especially after noontime.

My only complaint with Friday is that it comes just once per week.

Black Friday

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Black Coffee: Why 'Working' Has Suddenly Lost Its Cachet

It’s time to sit back, relax and enjoy a little joe…

Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance.

Well, I am completely swamped at work. So much so that I’m now working on the weekends. As a result, I’m bringing you another espresso edition of Black Coffee this week.

In fact, I think I hear

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100 Words On: Why A Home Shouldn’t Be Considered an Investment

It’s often said that a house is our biggest investment, yet the primary function of any house is to simply provide us with a place to live. Yes, handsome gains can be had for those with good timing. However, as investments go, houses rarely match the long-term returns of stocks. And most people forget that property taxes, maintenance costs, insurance, and even real estate agent fees eat into those returns.

The

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