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Fes Protection Plan News Letter
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![Page 1: Fes Protection Plan News Letter](https://reader036.fdocuments.in/reader036/viewer/2022081907/54662acdaf795969458b4dc0/html5/thumbnails/1.jpg)
www.FES-ProtectionPlan.com November/December 2010
‘Tis the season: How to create budget and stick to it
1. Review Last Year's Expenses. Start by determining what you
can afford this holiday season by reviewing what you spent last
year. Be honest and detailed, and remember to include items
such as holiday cards, postage, gifts, food, travel, and even
special occasion clothing. Purchases such as teacher gifts,
children's parties, portraits with Santa, entertainment for kids
while school is out, and decorations should be included as well.
2. Determine Whether Last Year’s Budget Was On Target.
Once you've calculated holiday expenditures from the past
year, determine whether it was excessive or appropriate. If it
was right on the mark, you most likely have your budget set for
this year. If not, scale back your spending to eliminate financial
hardship; factor in any job or income changes.
3. Make a List; Check it Twice. Record everyone on your gift‐
giving list setting budgeted amounts. Keep track of your
spending along the way, because over‐spending in one area
means reducing costs in another.
4. Create Expectations and Family Buy‐In to Budget. Make
sure everyone involved is willing to stick to the budget. Minimal
lifestyle changes, such as skipping dessert in a restaurant,
packing a lunch, or renting movies instead of going out can help
save money that can be earmarked for the holidays. Kids can
add to a coin jar as well to learn about the value of saving.
5. Say No to Last‐Minute Temptations. Stores know tempting
merchandise displays lead to impulse purchases. A general
guide: if it's not on your "approved" list, don’t buy it. Last
minute exceptions can occur—be budget conscious.
6. How to Pay. Financial advisors often
recommend an "all‐cash" philosophy to avoid
overspending, but FES offers another solution:
the VR‐Tech AccountNow Prepaid MasterCard,
offering the security of protected cash and the flexibility of
spending at millions of retail locations. Benefits include 1)
controlled spending, 2) more protection if stolen since it’s not
connected to a primary bank account; and 3) easy online
review of transactions to monitor spending.
Protecting Your Finances Through The Holidays Now is the time to get your holiday season budget in order to avoid over the top debt and New Year blues. The season of gift‐
giving and celebration often leads to the spirit of giving far beyond what you can realistically afford. Make the commitment to
plan and be holiday guilt and debt free with the New Year. Here are several easy ways to stay on track.
Don’t forget to factor in these items when planning your holiday budget
Gifts aren't the only thing that can take a toll on your finances. Holiday debt can come from other areas.
• December/January birthday gifts. When you’re planning holiday expenses, don’t forget to budget in gifts for loved ones with December and January birthdays. Plan carefully and take advantage of holiday bargains.
• Late travel arrangements. Air travel is almost always more expensive when you purchase your tickets during the holiday season. Save by booking flights early.
• Holiday decorations. From the tree to the wrapping paper, holiday lights to lawn decorations, if you're not careful, you can end up spending lots on these items. Be sure to include decorations in your holiday budget.
• New Year's celebration. Will your New Year's Eve plans require you to spend more money? If you're tapped out from holiday shopping, scale back your plans or try sharing the expense with friends or relatives.
• Holiday entertaining. It’s easy to forget the cost of holiday brunch or dinner. Make sure to factor in this expense.
7. Remember: Budgeting is Liberating. Don't let budgets and
financial planning put your holiday spirit into the doldrums;
rather, use the experience as a financial liberation. Avoiding
excessive debt and overspending is the best holiday gift to
yourself long after the celebrations end.
Mark Bustamonte Financial Education Services 954-707-2932
Mark Bustamonte www.FES-ProtectionPlan.com 954-707-2932
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Did you know? Free Shipping Day 2010: On Friday, December 17, an estimated 1,000+ participating merchants will offer free shipping with delivery by Christmas Eve. Check out the participating retailers at www.freeshippingday.com
Q: I know that my bank can’t raise my interest rate if I pay my bill on time, even if I am late paying other bills, but can an issuer restrict use of my card in other ways? —————————————–——— A: Yes. Under the Credit Card Accountability Responsibility and Disclosure Act, if your credit report shows late payments, your card issuer could decide you are a risky customer and decrease your credit limit, impose an annual fee, or raise your interest rate on future transactions. However, you must receive 45 days’ notice of any such change.
The holiday season can bring unwanted “friends” to social
networking sites. Most recently, people were shocked when it
was reported that personal data of Facebook users had been
posted to a national database, open and accessible to
everyone! In spite of this, people continue to publish personal
information on Facebook and other social networking sites
thinking their information is confidential. To keep your
information as safe as possible, protect yourself by utilizing the
following tips:
1. Date of birth. Nearly 60% of people using social networking
sites post their date of birth. Thieves can use this valuable
information to steal your identity.
2. Children’s date of birth. Posting any personal data about
your children can give identity thieves one more target.
3. Travel plans. By posting when you’re going on vacation and
how long you’ll be gone, business trips, or even family
bereavement plans, you are extending an invitation for people
to burglarize your home. In a recent poll from an Identity Theft
911 survey, 18% of social networkers have posted travel plans.
4. Address. Combine your
address with your travel
plans and you’ve just made it
extremely easy for thieves
target you. As many as 21%
of social network users post
their address online.
5. Mother’s maiden name. About 11% of those polled have
posted this information, providing thieves with the answer to a
commonly asked security question and compromising other
safeguards.
6. Not only should you avoid posting personal information, but
also consider your social network site settings. Use privacy
settings to control who sees what information on your page.
7. Use different passwords for social media sites than you use
for financial sites.
8. Be careful when clicking links on Facebook and similar sites
as they may contain viruses that are used to obtain passwords,
account numbers and other personal data.
Protecting your identity on social networking sites
Stretch your paycheck during the hectic holiday season and beyond... Having a budget will protect your finances. Use these tips to help your income go even further.
Trim your grocery bill. Pay attention to weekly fliers and plan your meals around what’s on
sale at your favorite grocery store. Double recipes and make meals with common ingredients
to maximize your shopping dollars. Also, shop at discount grocers or warehouse stores and use
coupons, which you can find online at CouponMom.com or Coupons.com.
Cut your cell phone and cable bills. Check your bills to see what features and programs you’re
paying for and determine if you are actually using them. Also, routinely evaluate your available
phone minutes and texting options to make sure you are not paying for time you are not using.
Visit BillShrink.com or MyRatePlan.com for the best plans.
Boost your insurance deductibles. By raising your auto and home insurance deductibles, you
can trim your premiums by 15%‐30%. Many companies offer discounts when all of your
policies are with just one insurer. Also, discounts also depend on where you live, driving
records, and other information, so ask about the markdowns in your area.
Limit dining out. Eating out can add up, even getting a cup of coffee every day is costly.
Consider packing a lunch for work, brewing coffee at home, and utilizing coupons. You could
save more than $200 a month.
Refinance your mortgage. With interest rates at their lowest levels in decades, you may want
to look at refinancing your mortgage for a big potential payoff. For deals, check with several
lenders, including credit unions, banks and online mortgage bankers.
Mark Bustamonte Financial Education Services 954-707-2932
Mark Bustamonte www.FES-ProtectionPlan.com 954-707-2932