Checkout the best Black Friday Smartphone Deals!

According to consumer advocate Clark Howard Black Friday is a great time to invest in a new smartphone, and retailers like Walmart, Target, Best Buy and others are providing a sneak peek at the great sales that are to come, if not already available right now! Whether for your loved one or yourself, these are some of the best upcoming deals so far based on current Black Friday ads. Note that these deal prices will not be valid until the applicable Black Friday dates.

Checkout the entire article on Clark’s website here!

Avoid buy these gift cards this holiday season.

Warning: Do NOT buy these gift cards this holiday season!

If you’re struggling to figure out what to get somebody on your Christmas list this year, money expert Clark Howard says there’s one thing you shouldn’t buy: gift cards.

The risk is just too high that the gift card will turn out to be worthless, according to Clark.


Why giving gift cards for Christmas is a bad idea!

“There has never been a year that it has been more dangerous to receive or to give gift cards for restaurants and retailers,” Clark said. “Both industries are having a terrible time right now.”

Major retailers closed more than 5,000 stores in 2017. Sears, J.C. Penney and Macy’s are among the companies that closed some locations amid increased competition from Amazon.

Meanwhile, several mall-based chains, including The Limited, Wet Seal and American Apparel, shut down all of their stores.

Restaurants haven’t fared much better. Applebee’s, Outback Steakhouse and Joe’s Crab Shack are a few of the chains that also closed some locations — often without notice to workers and guests.

If you give someone a gift card and they don’t use it right away, they could be out of luck if the store goes out of business.

“Someone who knows me well gave me gift cards for an ice cream parlor that I really liked — past tense. When I finally went, it was closed and the money was gone,” Clark said.

Keeping up with the wave of bankruptcies and store closures is a lot of work, so Clark recommends that you steer clear of gift cards altogether — even prepaid cards from Visa, Mastercard and American Express.

The better gift this holiday season? Cash. There’s no expiration date and you can use it just about anywhere!

Rosey’s tip:  Just remember many of these gift cards charge a “maintenance fee” after so many months of inactivity.  That is why it is important to read the fine print and use them right away.

When is the best time of the year to buy new items?

According to the experts at Consumer Reports these are the best months to buy new products in each category.

The reason: new models come out for these particular items and they want to clear out old inventory or they are seasonal merchandise.


  • Bedding
  • TV’s
  • Exercise Equipment
  • Bathroom Scales
  • Clearance Winter Clothing
  • Linens and Sheets


  • Mattress
  • Humidifiers


  • Digital Cameras
  • Carbon Monoxide and Smoke Detectors


  • Carpet
  • Computers (Laptop and Desktop)
  • Lawn Mowers
  • Gas Grills
  • Tools
  • Flooring
  • Vacuums
  • Pressure Washers
  • Room Air Conditioners


  • Roof, Siding and Deck Material
  • Pressure Washers
  • Exterior Pain and Stain
  • Baby Strollers


  • Camcorders
  • Indoor Furniture


  • Refrigerators
  • Dehumidifiers
  • Gym Memberships


  • Air Conditioners/Fans
  • Backpacks for School
  • Outdoor Furniture
  • Snowblowers (if you can find them)
  • Headphones
  • Printers


  • Washing Machines and Dryers
  • Leaf Blowers
  • Dishwashers


  • Gas Grills


  • Tablets
  • Gaming Consoles
  • Coffee Makers


  • Blue Ray Players
  • E-book Readers
  • Major Appliances
  • Kitchen Cookware

Buying a new car? Here are some tips to make your search easier!

Sponsored Post!

Purchasing a new or newer used car is a major purchase for most families today.  You must be a very savvy and informed shopper to get the best deal possible.  Here are some tips that I used when making my last new car purchase.

Purchasing a new car can be very overwhelming I know it was for me.  I had no clue which brand or model I wanted so I took to the internet to do my research.

All of the major car companies (foreign and domestic) have websites that feature all of the new models (and some older models) and the option packages available for each car on their websites so that you can see exactly which options you want in your car.

Visit the local car dealership to see the car model that you have chosen in person.  Make sure it is exactly what you imagined.

Test drive the car or truck before you purchase it.  I changed my mind after driving the car I thought I waned to purchase as I didn’t like the way it handled on the road.

Once you have narrowed down the make and model of the car, invest in a dealer invoice report.  This will give you the information on what exactly the dealership pays for the car and the option package.  It will give you enough information to make an informed decision on whether or not you are getting a good or bad deal.

Just because the local car dealership doesn’t have the exact model and option package you want doesn’t mean you are out of luck.  If you are willing to wait for it to be custom made by the car manufacturer it is possible to do so.  My husband and my son purchased their last truck with certain options that were not available locally so they requested the local dealership order it directly from Ford.  There is NO ADDITIONAL CHARGE for this service so do not let they tell you otherwise. And you can still strike a deal with the dealership even if you are custom ordering your vehicle.

Shop around.  Use every possible option available to you to save money on the car you have chosen.  No longer are we stuck buying a car from the local dealership thanks to the internet and sites like with valuable searching tools and more.  Some car dealers (out of your area) will bring the car to you as long as you don’t mind the mileage on your new car.

Once you have purchased your brand new car make sure that your have installed your child or children’s car seats properly. Installation of your child’s car seat is so important and many parents are unaware that the seat is installed improperly.   Go to for helpful tips and installation videos to make sure your child’s car seat is properly installed.

Ford recalls F-150 and Super Cab Trucks see if your’s is one of them!

DEARBORN, Mich., Oct. 18, 2017 – Ford Motor Company is issuing a safety recall in North America. Details are as follows:

Certain 2015-17 Ford F-150 and 2017 Ford Super Duty vehicles

  • Ford Motor Company is issuing a safety recall for approximately 1.3 million 2015-17 F-150 and 2017 Super Duty vehicles in North America to add a water shield to side door latches.
  • In affected vehicles, a frozen door latch or a bent or kinked actuation cable may result in a door that will not open or will not close condition. Should a customer be able to open and close the door with these conditions, the door may appear closed, but the latch may not fully engage the door striker with the potential that the door could open while driving, increasing the risk of injury.
  • Ford is not aware of any accidents or injuries associated with this issue.
  • Dealers will install water shields over the door latches and inspect and repair the door latch actuation cables if needed at no cost to the customer.
  • Affected vehicles include:
    • 2015-17 F-150 vehicles built at Dearborn Assembly Plant, March 12, 2014 to Dec. 31, 2016
    • 2015-17 F-150 vehicles built at Kansas City Assembly Plant, Aug. 11, 2014 to Dec. 30, 2016
    • 2017 Super Duty vehicles built at Kentucky Assembly Plant, Oct. 8, 2015 to Sept. 1, 2016
  • The recall involves approximately 1,344,605 vehicles in North America, including 1,101,107 in the United States and federalized territories, 222,408 in Canada and 21,090 in Mexico. The Ford reference number for this recall is 17S33.

About Ford Motor Company

Ford Motor Company is a global company based in Dearborn, Michigan. The company designs, manufactures, markets and services a full line of Ford cars, trucks, SUVs, electrified vehicles and Lincoln luxury vehicles, provides financial services through Ford Motor Credit Company and is pursuing leadership positions in electrification, autonomous vehicles and mobility solutions. Ford employs approximately 203,000 people worldwide. For more information regarding Ford, its products and Ford Motor Credit Company, please visit

AHA–EmPOWERED To Serve Summit #EmPoweredToServe

The following post was sponsored by the American Heart Association. All opinions expressed are my own.

Cardiovascular disease is a major health concern in America, especially urban areas of our country. Sadly, where you live and your ethnicity will effect your prevalence for heart disease and your ability to get this condition under control. The American Heart Association, the world’s leading voluntary organization dedicated to building healthier lives, free of cardiovascular diseases and stroke, hosted its inaugural EmPOWERED To Serve™ Summit in Washington, D.C. on October 17 and 18. As part of the Association’s EmPOWERED To Serve movement, which was developed to build a sustainable culture of health in diverse communities across America, experts gathered to discuss community transformation and the root causes that impact social determinants of health. They also engaged unconventional partners from urban communities to find creative solutions to these negative health issues.

According to the American Heart Association, individual behaviors aren’t the only factors that affect health. Community environments play a determining role in health outcomes. People living just five miles apart can have a difference in life expectancy of more than 20 years. The EmPOWERED To Serve movement is hoping to change this statistic.

The American Heart Association EmPOWERED To Serve Summit was held on October 17-18th to bring together leaders and individuals from diverse communities to help build on the progress they’ve made and create a “Culture of Health” in United States. Additionally, as a part of the summit, 10 finalists in the American Heart Association’s EmPOWERED To Serve Urban Business Storytelling Competition were announced. These finalists presented innovative solutions to remove barriers to health and wellbeing to a judging panel. Three winners were selected to receive financial awards.

    • First Place, $30,000: Nyasha Nyamapfene of Gospel Run (Chicago) partners with the faith community to create a culture of health via organized walks and runs.

    • Second Place, $20,000: Maria Rose Belding of MEANS Database (Philadelphia) uses technology to move excess food to communities in need.

    • Third Place, $10,000: Cecil Wilson of GoffersGotIt (Chicago). Goffers provides on-demand mobile task assistance. Services include, but are not limited to, grocery shopping, laundry delivery and prescription refills.


    The competition winners will now have an opportunity to implement these solutions in their communities to help make a difference.

    Volunteering in my community is something that is very near and dear to my heart. Helping and making a difference is something that I always try to do and love working with agencies that do the same. This initiative from the AHA is so important in making sure people’s location doesn’t adversely effect their health and quality of life. I’m looking forward to seeing with these winners can do for their community.

    Are you interested in joining the EmPowered to Serve campaign? Did you know joining EmPOWERED To Serve gives you access to valuable resources and tools from the American Heart Association/American Stroke Association? It’s a great tool to help you on your journey to improved health. They offer information on risk factors and tools to help you lead a healthier lifestyle. You can then show others the potential risk factors and help build a healthier community! To find out more information on the EmPOWERED To Serve campaign you can visit their website. You can also follow them on Facebook and Twitter for more announcements.

Scam Alert – Twitter scam can hijack your account!

A new Twitter scam is enticing users by appealing to their vanity in order to get them to hand over their personal info.

The scam is presented in an innocent-looking tweet that promises to show you the people who have been clicking on your profile. The tweet says “You have the possibility to know who visits your profile with this simple app.”

(continue reading)

I found this article on the Clark Howard website.  Since I do not have written permission to reprint the article you can click above and it will take you directly to the entire article.  It’s worth the read if you have a Twitter Account.