Nov 4

Cyber Monday Is Now More Popular Than Black Friday



It looks like we’ve finally realized shopping in our underwear is way better than going to WAR with each other over a $10 toaster . . .



According to a new survey, Cyber Monday will be more popular than Black Friday for the first time ever.



69% of people said they’re planning to shop on Cyber Monday this year, compared to 66% on Black Friday.  It was basically a tie last year . . . 55% for Black Friday, and 54% for Cyber Monday.



And even ON Black Friday, online shopping is just as popular now.  36% of people said they’ll go to at least one store on Black Friday, and 36% also said they’ll shop online.



The survey also found 45% of us plan to spend up to $400 total on Christmas presents this year.  25% will spend up to $800 . . . 13% will spend up to $1,200 . . . 8% will spend more than that . . . and 9% don’t plan to buy anything.



But 94% of people who ARE buying presents will get at least one of them online.



(PR Newswire /

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Oct 25

Three Reasons to Stop Using Your Debit Card



Using your debit card for everything helps you avoid credit card debt, but you miss out on building better credit.  And lots of credit cards offer pretty decent cash back rewards. Anyway, here are three OTHER reasons to stop using your debit card.


1.  It’s linked directly to your checking account.  So if someone steals your info, they can steal your ACTUAL money.  If someone steals your CREDIT card info, you can just refute the charges, and you won’t suddenly be broke.


2.  Debit cards don’t offer as much fraud protection.  If someone uses your credit card into, there’s a law that says you only have to cover a maximum of $50.  If your debit card has a Visa or MasterCard logo, it might be covered too.  But not always.


3.  It’s easy to lose track of how much money you have in the bank.  Most people don’t balance a checkbook anymore, they just check their balance online.  But it’s still pretty easy to overspend with a debit card and end up with overdraft charges.

So just use your credit card instead of your debit card, and pay the balance off every month.  But obviously that’s a slippery slope for a lot of people.



(The Week)

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Oct 20

Three Ways To Maximize Your Phone’s Battery


If you’ve ever wondered why your cell phone doesn’t last as long as it’s supposed to, here are three tips from to help you take better care of it.

1.  Keep topping it off throughout the day.  Some people think a cell phone battery has a “memory,” and that you should run it all the way down, and “teach” it its capacity.  But that’s only for nickel-based batteries . . . cell phones have lithium-ion batteries.

Letting a phone battery go to zero is actually DANGEROUS . . . it can get chemically unstable.  But it ALSO doesn’t like being FULLY CHARGED.  So the way to maximize battery life is to top it off as often as possible, and keep it between 40% and 80%.

2.  Keep it cool.  The warmer your phone gets, the more capacity your battery loses.  At 77 degrees Fahrenheit, a lithium-ion battery loses 20% of its capacity every year.  And if you carry your phone in your pocket, it’s probably hotter than that all day long.

Women do better when they carry their phone in a purse.  Guys COULD go back to carrying their phone on a belt clip, but . . . no.  So at the very least never leave your phone in the car, or sitting on a table or countertop that’s in direct sunlight.

3.  Don’t charge it wirelessly.  Wireless charging mats get pretty hot after a while.

 But overall, there’s really no need to worry about battery life.  Even if you abuse your battery, it’ll still last for two years with SOME capacity left over.  And by then you’ll be upgrading anyway. 



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