Climate change . . .

Andrea Woroch, nationally recognized consumer and money-savings expert from Windsor, Colo., says shopping late in the season is the best way to score great deals, especially on apparel. “For instance, as many school-aged and college kids return to the classroom, parents hurriedly shop for fall basics. But stocking up on spring and summer instead is going to be a much better buy as shorts, sandals, swimsuits, and tank tops are on clearance,” says Woroch. “Since the early school year still welcomes warm weather, children will get some use out of these new clothes, too. Parents can then stock up on the colder fall clothes when retailers start slashing prices to make room for winter merchandise.”

End-of-season shopping may mean big deals, but don’t let deep discounts lead to poor purchase decisions. After all, if you don’t use what you buy, you end up wasting money instead of saving it.

  • Stick to the basics: Avoid last season shopping of anything trendy. Neon leggings and gladiator sandals may not make a comeback when next summer comes along. Go for basics like underwear, jeans, athletic shoes, socks, and solid tees.
  • Size matters: If you plan to buy a snowboard and appropriate gear to go with it for your tween, beware of growth spurts. Clothing and gear buys are better for those who are done growing. The same goes for weight watchers. Avoid buying clothes in a specific size if you’re planning to pitch some extra pounds.
  • Know before you go: It’s easy to be seduced by sales, so take stock of what you have and what you need before making a beeline for the clearance rack.

Discount dates

Whether you go all-in on the day after Thanksgiving or completely avoid it, you’re well aware of the great day of “door busters.” The savings exist to help kick the season of holiday shopping into high gear, but there are other holidays where discounts make their debuts as well.

  • Super Bowl: Score the extra point with a new TV for your Super Bowl party. After Christmas, shopping tends to hit a lull, and retailers lure winter buyers from their warm homes with a kickoff sale of big screens just in time for the big game.
  • Valentine’s Day: In the spirit of celebrating couples, look for BOGO, or buy-one-get-one, sales, which are popular with smartphones, shoes, and tablets. Don’t have a love of your life, find a friend to share the savings.
  • Mother’s Day: Mother’s Day and early spring, especially when the air is still chilly, is a great time to find deals at greenhouses. As the temperatures rise, plant prices follow. Search in September for more plant savings to buy low-maintenance perennials, such as hostas.
  • Graduation: In addition to gadget gifts, grads tend to clean house with gift cards. Look to sites such as Cardpool.com, CardCash.com, and GiftCardGranny.com for spikes in gift card offers at cheaper prices than the amount on the card. January is another peak time to take a peek at these sites.
  • Father’s Day: After Pops is all set with his “World’s Best Dad” T-shirt, head to the store for after Father’s Day sales of tools, grills, polo shirts, and ties.
  • Fourth of July: Even though the calendar says summer only has been in full swing for 13 days, most people think of Independence Day as the middle of summer. By now, people are settled into their pools, patio sets, and play structures. However, if you wait until after America’s birthday, you’ll find better bargains on all things outdoor.
  • Back to school: Once the kids are settled into their class routines, head to the store to find big deals on cookware and bedding. College students setting up dorms and campus apartments mean stores stock up on living essentials. Once students are all moved in, you can make the most of store leftovers.

In addition to holidays, “each month of the year actually presents a best time to buy certain items,” says Casey Bond, managing editor of GoBankingRates.com, El Segundo, Calif. “For example, October is the best time to buy toys before prices get jacked up for the upcoming holiday season. March and April are the best months to purchase anything wedding or travel-related due to the coming off-season, whereas the summer months are great for buying patio furniture and tools. etc.).

iWant

When companies launch new products, they often do so via official press announcement—think Apple and its iPads and iPhones—or at trade shows, for items like cars and boats. In either scenario, companies make a big deal with hopes of hyping up consumers wanting the latest and greatest at any cost. If you’re looking for a deal, this is not the place to buy. However, those cell phones, trucks, and jet skis that were yesterday’s news, likely are available at a better price as newer models come to market.

“In most cases, it seems the best deals are available on old products after a new product is launched,” says Jerry O’Brien, director for the Center of Retailing Excellence at the University of Wisconsin-Madison. “In this case, consumers need to really be aware of what they will be using the product for. It could very well be that they don’t need the newest bells and whistles and that the last year model will serve them just fine.”

  • Automobiles: While auto shows and sneak peeks of new models seem to take place year-round, October is a safe bet for the trade season to go into overdrive. While auto fans head to see what will be new on the road, , start doing your homework on what vehicles will need to move off the lot. Once you decide what you want, try shopping at the end of the month when dealerships need to meet sales quotas and might be willing to tack on an even bigger discount.
  • Boats: While you’re generally not able to buy vehicles at auto shows, boat shows are different. Later models may be available for purchase on-site during September after-season shows, or in the January preseason. Remember to go in knowing what kind of open-water experience you need, instead of letting eye candy throw you overboard.
  • Technology: When it comes to tech, it’s all about what’s in and what’s out. Pay attention to news about new product launches, and read reviews about what’s being replaced on the market with the next “it” item. Sites such as CNET.com, engadget.com, and gizmodo.com, as well as Wired and Popular Mechanics magazines offer user-friendly tech reviews and news that will help you make the right purchase at the best price.

Regardless of the calendar day, you’ll save more when you shop smart. For some it will mean not being swayed by big deals. The year is packed with discount days, and the cycles are pretty reliable. If you miss out this year, you’re likely to find another great price if you practice patience. Others will shop when the need arises rather than wait for clearance cuts.

“Consumers need to realize that holding off shopping in hopes of deeper discounts runs the risk of the item not being available, or [of having] a very limited assortment,” says O’Brien. If you can wait, great. But remember that you just might miss out.

This post was originally published by by Carrie Anton at the Family Financial Center sponsored by the Credit Union National Association (CUNA)

 

FOR A LIMITED TIME we’ve got personal loans at rates as low as 6.99%*. PLUS, you’ll have no payments for 60 days. So, pay off some high interest credit card debt, do some repair work around the house, or take a little vacation to someplace nice. To find out more call us at 800.828.6446 or CLICK the button below.
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PERSONAL LOANS WITH RATES AS LOW AS 6.99%* …AND No Payments for 60 Days
Taleris Credit Union unsecured loan promotional offer is effective as of 06/01/2018 and supersedes any and all previous Taleris Credit Union unsecured loan promotional offers. *Membership eligibility is required with a minimum deposit of $5.00 in a share/savings account. Member must be in good standing with TCU. May not be combined with any other promotion or discount. A $50.00 loan processing fee will apply. At the promotional rate of 6.99% (Platinum Credit Tier), a $2,000.00 loan with a 24 month loan term will have an Annual Percentage Rate of 9.398% APR and monthly payment of $93.72. Promotional rate available for signature loans. Promotional Signature Loan may not be used to pay down an existing TCU debt. Subject to change or cancellation without notice.
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The Taleris Nominating Committee is seeking candidates for positions on the Taleris Credit Union Board of Directors. As a director, you will be responsible for working with management, fellow board members and other volunteers in an effort to shape the future of Taleris. As a volunteer, your commitment will be approximately 4 to 6 hours per month and your input will be highly valued.
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TALERIS NOMINATING COMMITTEE IS SEEKING 2019 BOARD OF DIRECTORS CANDIDATES
General business experience is preferred and a desire to help others is a must.
Nominations will be accepted through September 4, 2018. To apply, please forward your name, address and phone number to: TCU Nominating Committee, 1250 E. Granger Road, Cleveland, OH 44131. You may also hand deliver your information to the same address. If you have further questions, please call 800.828.6446 ext. 3233 or email us at: volunteer@taleriscu.org.
Taleris Credit Union has added six (6) new counties to its list of areas where members are eligible to join. In addition to Cuyahoga, Lorain, Lake, Summit, Stark, Portage, Geauga and Medina counties, we now also serve members who live, work, attend school, or worship in Ashtabula, Ashland, Columbiana, Mahoning, Trumbull and Wayne Counties. We are now, truly, a credit union for all of Northeast Ohio!
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TALERIS NOW SERVING ALL OF NORTHEAST OHIO
Change is never easy, but it is usually necessary. Taleris has been publishing a printed quarterly newsletter for our members for many years. But, with the rising costs of printing and postage, we have made the decision to stop production on our printed newsletter effective July 1, 2018. No worries though… we will be publishing the Taleris quarterly newsletter now in three (3) digital formats for your convenience:
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TALERIS NEWSLETTER CHANGES
1. A screen-friendly version that will be available on our website.
2. A PDF file that you can view and print if you prefer a hard copy.
3. A screen reader-friendly RTF file for our members who may be visually impaired.
Give these new versions a try and let us know what you think!
For a limited time, you can open a 13-MONTH CERTIFICATE AT A RATE OF 1.75% APY*, a 17 MONTH CERTIFICATE AT A RATE OF 1.85% APY* and a 23 MONTH CERTIFICATE AT A RATE OF 2.05% APY*. This is a New Funds Promotion. ‘New funds’ means money that is not currently on deposit with Taleris, or money that has been deposited with Taleris within the last 30 days. Minimum investment is $500 per certificate. To get yours, CLICK the button below, or give us a call at 800.828.6446 today.
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*APY = Annual Percentage Yield. 1.75% APY=1.739% Dividend Rate; 1.85% APY=1.837% Dividend Rate; 2.05% APY=2.034% Dividend Rate. All current and new members are eligible. Penalty may be imposed for early withdrawal.
LIMITED TIME SPECIAL RATES ON TERM SHARE CERTIFICATES
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Verified by Visa.
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Elan Card Services, our Visa Account partner.
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Elan Card Services, our Visa Account partner.
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Elan Card Services, our Visa Account partner.
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Elan Card Services, our Visa Account partner.
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to https://get.adobe.com/reader/
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to https://get.adobe.com/reader/
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Twitter.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Twitter.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Facebook.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Facebook.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to AmericanShare.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to AmericanShare.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Yahoo Finance.
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to Yahoo Finance.
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to ESPN.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to ESPN.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to gasbuddy.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to gasbuddy.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to weather.com
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You are leaving www.taleriscu.org. Taleris Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Taleris Credit Union neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website. By clicking Continue, you will be directed to weather.com
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