Dafaxetentcy: personal finance programs

Giving gifts that help

I’ve put together a list of items that save the recipient money or fill a specific need. Prices range from as little as $5 to upwards of $50 or more — and some of the suggestions will cost you little except time.

Warehouse club membership. If you’ve got $40 or $50 to spend, why not make it possible to buy in bulk all year long? Note that this gift isn’t suitable for folks who don’t buy much at a time or who have limited storage space — unless you offer to split some big buys with them. Frugal hack: If you’ve got a membership already then make up a gift certificate that says, “I will take you shopping once a month for 12 months.”

Greeting cards. Some of us dinosaurs still like to send snail-mail birthday, get-well or “thinking of you” cards. You can get decent ones two for a buck at some dollar stores. I got an even better deal on Hallmark assortments at Walgreens: 10 cards to a box, two boxes for $5, or a quarter apiece. Ideally, you’ll spring for at least a 10-pack of stamps along with this gift. Frugal hack: Shop thrift stores and rummage or yard sales — a lot of really nice card sets end up deeply discounted in both places.

Annual pass. A season’s membership to a local zoo, museum or theater company may cost less than you think. You’re not only giving someone a year’s worth of entertainment, you’re investing in community organizations. Frugal hacks: Social commerce sites like Groupon or Buy With Me sometimes offer annual passes; sign up for a few of these services right away and see what pops up in the next few weeks. Be sure to buy the social commerce vouchers through a cash-back site for a 6% rebate.

Pet supplies. People who have recently lost their jobs or who are living on fixed incomes could be hard-pressed to provide for Fluffy or Fido. Find out what kind of kibble the animal eats and drop off a jumbo sack of the stuff, or one of those huge buckets of kitty litter. Possible frugal hacks: Watch for loss leaders at places like Petco and PetSmart, and pay with a discounted gift card.

Yard work. Aging or chronically ill relatives might not be up to mowing, weeding, shoveling snow or cleaning out the gutters. Give a homemade gift certificate good for a certain number of hours of work each season.

Supermarket or drugstore gift card. Your giftee can shop the best sales or treat himself to an item that’s normally out of his price range. Since some supermarkets sell gasoline, that card might come in real handy during a particularly tight week — you can’t get paid if you can’t get to work, right? Frugal hacks: Some drugstores give free gift cards if you fill or transfer a prescription. Some rewards programs and rewards credit cards offer them. Discounted gift cards for merchants like Shell, Exxon, Walgreens, Jewel-Osco, Safeway and Albertsons are often available for about 3% off; see above link for how to buy them.

The Entertainment Book. It’s got discounts for food, movies, cultural attractions, sporting goods and all kinds of services. Frugal hack: Buy it through a cash-back site and you’ll get a rebate of up to 35% plus free shipping.

Transit pass. For those of us who don’t own cars, the prospect of a month’s worth of public transit sounds mighty fine. Or how about paying for a year’s membership in a car-sharing service? Frugal hack: If you’ve got a car, make your gift “I will take you to do one errand a week (with advance notice) for the next year.”

Community-supported agriculture. If money is no object, buy that special someone a CSA share. He’ll eat fresh produce from late spring until early fall, and you’ll be helping a local farmer stay in business. Go to this U.S. Department of Agriculture site and scroll down to “Find a CSA farm.”

The Electrical Engineering PhD and former CEO of Northrop Grumman will join Apple’s board of directors and serve as the Chair of the Audit and Finance Committee. The spot was vacated when Jerome York passed away in March.

“Ron is an engineer at heart, who then became a very successful business leader. We are very excited to welcome him to Apple’s Board,” said Steve Jobs, Apple’s CEO. “In addition to having been the CEO of a high-tech Fortune 100 company, Ron has a Ph.D. in engineering and has been involved in the development of some very sophisticated technology.”

A little background from Wikipedia:.

Ronald D. Sugar (born 1949) has been chairman of the board and chief executive officer of Northrop Grumman Corporation, a global defense company, since 2003. On September 16, 2009, he announced that he would retire as CEO from Northrop Grumman at the end of the year, to be succeeded by now Chief Operating Officer Wesley G. Bush. He has also been a director of Chevron Corporation since 2005. In 1968, he graduated summa cum laude in engineering from the University of California, Los Angeles. He obtained a Ph.D. in electrical engineering from UCLA in 1971. He is a member of the USC Board of Trustees.

Press release follows.

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Wednesday, December 8, 2010

personal finance programs

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