But budget travelers can still find sweet deals. Here's some help.
Travelers hunting for a low-priced cruise will find fewer fish in the sea this year.
All-inclusive cruise packages typically are less expensive than arranging a land stay with air, hotel, food and other costs. That perceived value kept cruise lines afloat during last year’s economic downturn, and continues to draw cost-conscious travelers, says Carolyn Spencer Brown, the editor of review site CruiseCritic.com. There has not only been a burst of publicity around newer luxury ships, like the Royal Caribbean’s Oasis of the Seas, but more demand overall, which means lines have less incentive to broadly drop prices to fill up an itinerary.
Succeeding at an unpleasant job will tell your next employer a lot about you.
In the past couple of months, two clients of mine have landed great jobs in the midst of the worst employment climate in decades. The secret to their success, I believe, was delivering outstanding results in lousy jobs.
The jobs weren't completely lousy, which I would define as requiring long hours and offering low pay, few or no employee benefits, demoralizing management, and an unsafe work environment. And the work content gave them valuable experience for specific career targets. But the jobs did contain elements that some career experts consider lousy:
Want a big screen for the big game? Don't pay for it 3 times over.
The Super Bowl has evolved into an annual American house-party tradition that appeals to fan and novice alike. It's undoubtedly the only televised event in the world where the commercials garner almost as much attention as the actual game.
And the centerpiece of that party is, of course, the television.
Price cuts help talkers and texters, but users of mobile Web could see bills increase.
If you act now, you might be able to save $30 a month on your cell phone bill. Or maybe not.
Verizon and AT&T have announced new cheaper “all you can talk” or “all you can talk and text” plans for both individuals and families. In some cases, the new plans could lower users’ monthly fees from $100 to $70 a month. Text adds another $20, which hasn’t changed.
But if you’re a data user, you might end up paying more. Verizon will start charging $9.95 a month for 25 MB of data use on Internet-enabled phones when customers buy new phones or sign new contracts. Unlimited data is still $29.99. Current customers with those phones can keep the pay-as-you go $1.99 per MB charge. AT&T will also require $20 data or texting plans with some phones.
Recession is changing retailers' tactics, but how has it changed consumers'?
For better or for worse, the recession has changed how people shop, at least for now. We’d like to think most of it is for the better, as customers have focused on finding value and living within their means.
Shopping is changing, too.
It's the best way to stay on top of your financial situation.
When you were in school, chances are you knew what you needed on each test to get an A, B, or C (or avoid an F). At work, you have project deadlines to meet and performance criteria to fulfill. When it comes to your finances, there isn’t a convenient, single number you can use to track your progress.
In school, there was your GPA. In personal finance, you can’t just look at your account balances because they don’t give you the whole picture.
That’s where measuring and tracking your net worth can come in handy. Every month I record a snapshot of our family’s net worth in a simple Excel spreadsheet.
If you are planning a procedure, be savvy about the price.
Patients have dodged a proposed tax on liposuction, Botox injections and other elective medical procedures, but cosmetic surgery is still no bargain.
Despite a 12% decline in cosmetic procedures during 2008 (the latest figures available), Americans still spent $11.8 billion on cosmetic surgery, according to the American Society of Aesthetic Plastic Surgery. Congress sought to capitalize on that interest with a 5% tax -- aptly nicknamed the “Botax” -- but cut it from health reform bills late last year after intense lobbying pressure from doctors and drug makers. Lawmakers estimated the Botax would have pulled in $5.8 billion over 10 years.
- Bing: What does Botox do?
The tax would have put extra burden on consumers, considering most procedures are entirely out-of-pocket already. “It is a consumer purchase funded out of the household budget,” says Tom Seery, the founder of RealSelf.com, a review and price site for cosmetic procedures. “Rarely if ever does insurance pay for that.”
While no surgery is trivial -- and all carry risks -- many consumers will elect to go under the knife this year. If you're set on Botox injections, a facelift or tummy tuck, here are five ways you can cut costs.
Thinking jewelry for your valentine this year? Here are tips to get more and spend less.
If you're a woman, this post is my Valentine's Day gift to you: Forward it to your beau with a note like "Came across this article; thought you'd be interested."
If you’re a guy faced with jewelry shopping this Valentine's Day, I feel your pain. Jewelry shopping is bad on so many levels: First, you might end up at someplace like a mall. Then you'll be expected to spend a lot for what looks so little (hey, I could have bought a used motorcycle with that!) And finally, you're going to feel about as comfortable as you do when you go to Victoria's Secret (might as well while you're at the mall).
But if your valentine likes jewelry, there are obvious rewards that go along with giving it (see Victoria's Secret comment.)
So let's see if we can make the process a little less painful by arming you with a few quick tips to make it less stressful and less expensive.
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