How To Shop Savvy For Ski Equipment

The first thing you want to do is create a logical approach to the purchase of your ski equipment. If skiing is a family event then no doubt outfitting each family member with what they need can become expensive. You most likely know that you cannot sacrifice quality when it comes to this type of sports equipment. With some careful planning though you really can stretch the budget a great deal further.

The boots

This is one area where there can be no compromise. Often parents feel that if they buy the eldest child the top of the line ski boots then they can be passed down to the younger sibling. This in most cases does not work and is not a wise idea. The boots have to be perfectly fitted for each skier. It’s unlikely that two siblings will have the same foot shape and therefore will have different requirements. It’s a known fact that children grow quickly, and often outgrow their boots within a season. The best way to save money here is to purchase a quality pair of the boots but not to go for the top of the line, until the child’s growth rate slows down where you will get a couple of seasons use out of them.

The Helmet

Here again you need to have quality and a proper fit. This is one area you do not want to cut any costs on and risk the safety factors they supply. Aquick look at the statistics shows you that serious injuries could be avoided with the correct headgear.

Ski Clothing:

Here you can save some money. There are many items here that can be handed down through the siblings. Start off by buying good quality clothing and it will last many seasons as one child outgrows it then it can be passed on to the next.

When shopping watch for end of season sales. Only purchase the items where the children’s growth is not going to be an issue. End of season shopping is more feasible for the adults of the family. End of line sales are a great way to glean some savings for the kids items.

Keep an eye out for sales that ski resorts run as well. Often they will update much of their equipment in order to bring in more modern items. They carry many items often in the clothing line that will provide you some excellent savings.

Holiday Shopping and Credit Cards

Minimize Credit Card Spending During the Holidays

The holiday shopping season is a much-anticipated time of year for both the retail industry and consumers. For the retail industry, the largest percentage of their sales are earned during the holidays by consumers who have failed to plan and are easily lured to make impulse purchases for shiny new gadgets. Consumers on the other hand make a dash for the mall, credit card in hand, in search of a thrill from the fancy decorations and Christmas music, the sale signs, and the crowds. At the end of the day, or shall I say in January after things have calmed down, consumers are weeping because of their huge credit card bills wondering where all the money went and retailers are laughing all the way to the bank or the board room. While, its not such a bad thing for the retail industry, how can we as consumers make sure that we are not weeping but celebrating along with the industry? It is simple. We can develop a plan and a budget, which includes shopping year round for gifts and doing some comparison-shopping.

Christmas comes the same time every year. We have approximately 12 months to develop a plan and to execute it if we desire to save money and keep our credit card balances low. Why wait until December 1 or Black Friday to begin our Christmas shopping? For the adults and even some of the children on our list we can shop for gifts year round. Why not begin in January or early February when the winter clearance begins for many retailers? Or stock up on the latest toys and gadgets at significant savings on the day after Christmas. To avoid the long lines the day after the holiday, shop online where the deals have proven to be just as good. Some merchants even offer free shipping. Be on the look out for online coupon codes and free shipping offers.

Your plan should also consist of making a list, which includes the names of all the family members, and friends that you need to purchase something for along with a gift or two that is representative of them and your relationship. Then you should develop a total budget using the highest price item of the two that you listed and make the conscious decision to adhere to that bottom line. After you’ve done this, prepare to do some comparison-shopping, which you can do from the comfort of your own home. The thing about comparison-shopping is that you must give your self enough time; this is not for procrastinators. Check the Internet sites of competing retailers to see who has the best price and check the weekly advertisements too. This way you know what you want and where to get it before you leave home, which will reduce the number of impulse purchases you make and reduce the temptation to pick up things along the way.

Don’t become trapped in credit card debt year after year during the holiday season. Make a decision to develop a plan and follow it. Decide early on who you want to purchase gifts for and select the ideal gift. Then develop a budget that you can adhere to that will cover the expense of all these gifts. Finally, allow yourself enough time to do some comparison-shopping. Watch for sales cycles and weekly advertisements from those same merchants. Then make up your mind to be done or at least 95% complete with your holiday shopping before December 1st. By having a plan and make a concerted effort to stick with it, you can ensure that you will be rejoicing at all the money you saved in January because you made the decision to stop letting retailers control your credit card spending.

What You Can Learn When You Go Shopping

Years ago, Peter Lynch, one of the great stock market investors of all time, told people to go to the mall. When you arrive, pay attention to where people go shopping. Watch what they are buying. Look at their faces, and if they are smiling when they leave the store, it’s a good place to shop. Most importantly, these stores represent good investment opportunities for you. Park some of your money in their stock.

Even with a really tough economy, we can see this is true. Look around you, and what electronic devices do you see everywhere? iPhones and iPads. Every iPad made today is sold. If you are able to produce and sell products like this, you are seen as game-changer. Often, you set the standard for excellence and are rewarded for it with market leadership and strong returns for shareholders.

During the stock market crash of 2008 (yes, I call it a crash), Apple’s stock dropped in value to approximately $70 per share. It was still a decent valuation, but Apple was punished in the marketplace without cause. Their products and innovation demonstrated true leadership, but they were guilty by association.

Shortly after the stock was pummeled, investors viewed it as a huge buying opportunity. The reason for it was the Peter Lynch principle outlined in the first paragraph. People love the gadgets, and more importantly, the difference these electronic devices made in improving everyday activities was phenomenal. With all these happy customers, their stock price zoomed past $350 per share.

Now, let’s talk about another store. Sears. Recently, a colleague went to a local store and wanted to buy a $300 appliance. Since there wasn’t a display model, he asked the sales clerk to take the unit out of the box, as he wanted to make sure it fit his needs. The clerk told him he wasn’t allowed to open a box per the order of the store manager. This is an appliance that isn’t common, and the need to understand how it worked was very important. The outside of the box doesn’t provide enough detail. Frustrated by the poor response, he walked out the door.

With technology at his fingertips, my colleague went online with his Apple device and contacted the Sears national customer service center. He told them what had happened. The following day, the manager from that store called him and stated the clerk had misunderstood the directions given. The manager asked for another chance. The disappointed customer had already left an unflattering Facebook comment on Sears’ customer service policies. Additionally, he tweeted about the experience, and left a curt customer review for everyone to read. Later, the colleague went online again, and ordered an even more highly rated unit from Technology is a beautiful thing. It accelerates the pace of change and demands agile responses.

I guess the manager at Sears never heard of Peter Lynch, or understood the importance of being agile and providing great customer service. Inventory sitting in a box never pays bills or creates growth. Selling it does. By the way, which stock would you prefer to own: Sears or Apple?

Selling Gold Jewelry Online

Before selling gold jewelry to the first buyer you stumble across it is crucial to know that you have multiple options. As the price of gold continues to rise, the quantity of buyers also rises. The basic laws of supply and demand apply in this instance, the commodity of gold increases in value and there is not enough supply to meet the demand, more and more buyers and sellers appear on the market. Please make no mistake, the price of gold has never been higher and now is the perfect time for selling gold jewelry.

You may be questioning if it is fact, the right time for selling gold jewelry. The truth is that its essentially impossible to determine whether or not gold market prices have peaked. If you are interested in selling gold jewelry that you find lying around the house, you may run the risk of losing money by waiting for the “perfect” time. I firmly believe your best route is to find out what your jewelry is worth at this moment in time, and then ask yourself if your returned quote feels sufficient to your wants and needs. The important part is to make sure you get quotes from a trusted source.

Your most logical route is to explore your options and take action in one of these most likely possibilities. The most common destination for your gold is friends, family, pawn shops, jewelry stores, and online services. Like most things in life, there are pros and cons to most of these so let us take a second and explore them.

Obviously the negative to selling gold to family and friends is that you will not be maximizing your profit. Friends will realistically be expecting a “friendly discount” and will most likely take offense to you trying to make a decent profit when selling jewelry.

Pawn shops are most likely not the way to go. Depending on your location, pawn shops can often receive a high level of stolen and broken jewelry, and usually deal with more desperate groups of people. This fact makes it extremely tough to get a solid profit when selling gold jewelry. Pawn shop owners are familiar with offering abysmal prices for jewelry and frankly don’t care to be bothered by serious hagglers. If you decide to go to a jewelry store you may have better luck than a pawn shop but you should still not expect a solid profit for your jewelry.

In all honestly online services are by far the most convenient way when selling gold. Some people find it hard to believe that they can sell gold jewelry while never leaving their house. Before you decide to send your gold jewelry to an online store you may want to receive a local quote or two. With online services you simply request a kit, the provider will mail a heavy-duty envelope to your home. You simply select all the gold jewelry you do not want and place it in the envelope, return the mail, and 24 hours later you will have a quote. When you receive this quote you can either accept and they will mail you the cash, or you can refuse and they will return your jewelry to you at no cost.

Doug Preston maintains a website with more information on how to sell gold jewelry [] online. Take a look and learn more about requesting a refiners kit.

Are You Getting Attached To Your Smart Watch?

A Smart Watch is an integral part of wearable technology that is becoming more popular with consumers that are trying to expand on their strategy of personal activities. Watches overall have been around for centuries not only to tell the time but also as a part of a fashion perspective that throughout the years have transitioned in different ways making watches unique to innovation. There is no doubt that knowing the time is very important, showing how closely people and watches coordinate to effectively develop as a community. To describe watches it would be a completely different idea of a smart watch compare to previous designs. While a regular watch mainly tells the time and looks fabulous, a smart watch is a composition of tools that is geared towards technology. Some tools include a step calorie counter, heart rate monitoring, sleep monitoring, there is a camera function and they can all be accessed by blue tooth capability and voice command.

Since the new watches have been introduced it is an additional device to include in your lifestyle as a multipurpose activity tracker. Electronics and computers are dominantly impacting people in a variety of ways, this is where they come in with a mobile operating system and a visual display that can simply strap unto your arm. They run mobile applications like a mini computer and can relay digital information from a smart phone. Someone could mention that they feel naked without their phone therefore a smart watch being that it is attached when wearing it can be a significant tool perhaps more important than clothes. The display is about 1.5 inches, its does not take up a lot of space, there is a high resolution in pixel, making it easy to read the text and bright images to fulfill demands.

They have been primarily made by technology companies but more recently the traditional watch making companies are starting to manufacture their own designs of the new gadget. They can be divided into four categories, sports, health, security and alerts that all have their main functional capabilities. Consumer transformation into the smart watch adaptation is fairly low but it is consistently growing as manufacturers innovate so that they are no longer just a way to get smart phone notifications. There is a micro control unit built inside to coordinate the functions and control the sensors, CPU, blue tooth, vibrator, GPS, gyroscope and graphics. Sensors are at core of a smart watch and the means to input data which creates the attributes of the device to combine to have every function together.

Researchers would agree that it is a must to have item, though the new trend is slowly being developed it carries a strong significance to making the owner feels comfortable and interact base on desires. They are being reasonably priced and the competition between manufactures are lowering the cost even more and increasing the watches technological capabilities. Therefore the latest ones on the market are fulfilling to a person preference whether fashionable, sporty or luxurious. There is also an idea floating around out there about next generation technology where a smart watch can be a smart phone within itself. Therefore imagine the attachment that they bring as personal value not in terms of cost but such value as dependability and a whole new futuristic concept that has become reality.

Check Out My New Watch

For some strange coincident, the colleagues that I’m working with right now appear to be into watches. So they wear these fabulous gleaming chronometers on their wrists while I try to hide my Casio behind my back. Fortunately, they were also kind enough to educate me – a persona non-grata when it comes to luxurious goods – about the finer points of watches. As a guy who treats watches purely as a device to tell time, and even then I wear them only when I really have to, I’m not exactly big on watches.

“So how do you keep track of the time if you don’t wear a watch?” One of them asked me, after seeing nothing on my wrists. He was probably perplexed as I am always on time for all appointments.

“I don’t need to wear a watch,” I told him. “If I need to check the time, I can always refer to my handset.”

“But what happens if you forget to bring your handset?”

“Then I just ask whoever is around. People are always helpful.”

He nodded his head grudgingly.

I was waiting for him to ask me what happens if there was no one around because my answer would be to look at the sun!

So I’m not big on watches. But I must admit that after spending some time with my colleagues, I’m beginning to see their point of view. The watches, for the most part, really do look fine. I suppose that watches are the closest thing to jewelry – bling-bling – that males can wear.

One of my colleagues buys a Louis Vuitton every year. He says it because they are an investment – apparently, Louis Vuitton hold its value well. He said that the model he bought ten years ago for $8,000 is worth more than double the figure today. And then he adds, “And if you need money in a hurry, you can always hock them. You cannot do this with most other watches.”

Hmm, what kind of investor goes to a pawn shop? Yes, you’re right – not a successful one!

Life certainly has changed! Watches used to be simple for me – Seiko, Rado and if you have money, Louis Vuitton. Today, there’s a whole armada of luxury watches, many of them I never even heard of until recently. These include A. Lange & Sohne, Ball, Breguet, Breitling, Bulgari, Cartier, Chopard, Corum, Franck Muller, Greubel Forsey, Harry Winston, IWC Schaffhausen, Jaeger-LeCoultre, Milus, Patek Philippe, Richard Mille, Roger Dubuis, Tag-Heuer, Ulysse Nardin, Vacheron Constantin and Vogard. (I had to triple check all the spelling to ensure that they are correct!) But I suppose it is not the companies fault. Apparently, many of these companies have existed for decades, centuries even. Except that being a village boy, I only knew about Seiko!

Apparently, a few models can withstand depths until a few hundred meters underwater while others can take in a few Gs. That’s fine, except for the part that none of the owner are going to dive that deep or fly upside down in a F-14 Tomcat!

“Ahh, you’re missing the point, Azizi,” my colleague retorts. “The owner may not do those things physically but he does it in his mind! After all, how many Harley Davidson owners are big rough outlaws? How many 4WD owners take their vehicles to climb mountains? How many Porsche owners drive at 200 miles per hour?”

My time to nod my head.

He then tells me that Louis Vuitton doesn’t tell time well. Apparently, they are always fast or late – never on time!

“So why do you own three Louis Vuitton then?” I asked him, my eyebrows frowning.

He looked straight into my eyes, hesitated for a moment and then smiled gleefully. “I buy Louis Vuitton to tell the world I have a lot of money!”

Azizi Ali is Malaysia’s premier writer, speaker and coach on money matters. He is a Chartered Financial Consultant (ChFC) and holds an MBA from University of Bath, UK.

For the Best Luxury Watches, Save Money and Time by Getting Time Online

How exquisite the beauty and amazing machinery of modern time pieces. From economy to luxury, choices abound in models and manufacturers. Instead of going from store to store and parking lot to lot, buying your new, shiny watch online saves time when buying time. It’s also a lot safer, and provides an amazing selection not paralleled by many other methods of buying.

Along with its benefits, one of the hassles associated with buying jewelry of any kind from a brick and mortar store is the “walk back to the car.” The more expensive the item, the more worry that will ensue on the short or long trip. Definitely park close if you buy this way. Safety is a major factor. At a minimum, make sure that mall security is aplenty, or you are the size of at least 2 football players.

When online, safe and secure shopping is also a concern, so when determining where to buy a watch or time piece online, more secure is always better. Online stores like Amazon and cater to this need extremely well. Their businesses, along with great presentation of products/what’s for sale, depend on this. Stores like Amazon have such a wide selection of watches and price ranges. Buyers can go for true luxury without the worry, or get the best deal on anything within the spectrum of available watches.

Overall and extended selection of brands like Jaeger, Cartier, Bulovo, Movado, Omega, Baume & Mercier, Concord–the list goes on and on. Instead of seeing 10 styles from a major watch manufacturer, you can really see all of them. And the more expensive the watch, the more likely that there will be major discounts. Now, whether or not you have the $8,000 to spend to put a Cartier on your wrist is something else entirely. Then again, there is probably financing available. Speaking of magnificent watches, click here to see some now.

Choosing the Perfect TAG Heuer Watch

Tag Heuer, the leader in innovative and cutting edge stopwatch designs, has the perfect collection for those who want more in a watch than just time tracking. After creating the first chronograph in 1882, the Tag Heuer company has improved their designs ever since. If you want a watch as well as a stopwatch, then Tag Heuer has what you need. But how do you choose the perfect one for you?


What is your lifestyle like? Are you an avid racer? Or do you prefer the water more? Is your sport more active or less active? All these questions play a role in what Tag Heuer watch you decide to buy. For example, if you are a swimmer, then the Aquaracer watch is for you. This watch can be worn down to 300 meters while diving, yet be sophisticated enough to wear to formal events.

If you are an avid race fan, then the Formula 1 watches will appeal to you. These watches are used as the official timekeeping watch for Formula 1 racing-they are that accurate. When you are looking for something that will keep you on track while at the track, this watch is perfect for you.

Then again if you are looking for something a little more stylish, the Grand Carrera is right for you. This watch, complete with a silver band and gold trim on the face, is great for the man who wants sophistication right down to his accessories. Not only is this watch sophisticated in appearance, it is also sophisticated in features. The GT-engine inspired functions let the owner see specific time zone times at a glance, with precision timing.

Personal Style

Your personal style will make a difference in which Tag Heuer watch you choose. If you like the casual, laid back sort of look, then you will want to look for the casual watches made with a leather or rubber band. If you like the formal or sophisticated look, then you will want to look at the silver or gold bands. Simple styles are available if you do not want all the “bells and whistles” that these watches can be known for. However, if you want the “bells and whistles”, then by all means, seek them out.


As always, your budget must be considered when choosing the perfect Tag Heuer watch. At an average price tag of around $2,000, they aren’t for just any consumer. For many people in the world, that is more than their monthly income. However, if you have the resources and means to buy this type of watch, then consider how much you can spend. With some watches starting at around $1,000, going up to almost $10,000, there’s a wide range of prices that can fit into your budget. Do not go into debt to buy a watch, but do plan accordingly. If you can work this into your budget, it can make a wonderful gift for yourself or for a loved one. The perfect watch is one that fit with your lifestyle, personal style and budget.

Choosing the Perfect Michael Kors Watch

Michael Kors is a reputed US-based designer who is famous for his range of well-designed clothes and accessories for both men and women. He is especially well known for his line of eye-wear and watches for both men and women. Michael had his beginnings in various design houses and and this exposed him to multiple styles and an unending world of ideas. All of it culminated into his own style which is based on the chic, classic style that is so adored all over the world. His is the look that you can never go wrong with, making it an easy task to choose his designs over others. And you will get to choose from new designs every year when he renews his collection.

Michael Kors line of products is also well-loved because of their consistent great designs, high quality and affordable prices. If you are looking to buy something that looks great and still does not break your bank, you are definitely going to like what his line has to offer. He has a large number of designer watches for both men and women that are extremely well-suited for middle-aged men and women everywhere.

The affordability of these designs belies the stringent quality standards that go in to these watches. They are always designed with the high quality materials in mind and are at par with high-end watches everywhere. His is a line where materials are often mixed and matched to give the watches a very unique yet classy look. From mixing metal with rubber to mixing different kinds of metal and leather, his designs offer amazing versatility in looks.

So when going through his collection, all you need to do is visualize the kind of dresses you wear regularly. Think of the occasions for which you will wear the watch. Thinking of getting one for those formal parties? Try the gold finish watches with a tradition metal linked wristband if you are a man. For women, there is the golden chain-linked watch with a slightly unusual wristband – it is classy and something different at the same time.

Looking for that classy look? Try the white ceramic watch with a mixed material wristband. You will definitely attract the right kind of attention with this one. For those looking to go the sporty way for those casual days out or to simply have some fun without breaking the style; there are multi-dial watches with mixed materials like rubber in metal and texture printed wristbands. There are also full black finish models with sharp accents that add to the ‘cool factor’ of the watches.

Ladies can choose from stone studded dials and sleek, white leather bands. There are also models that have interchangeable bezels – to give you the benefit of having multiple looks in one watch. Just match it to your look of the day! There are also minimal design watches studded onto single piece leather bands for the power women to dress up in style.

No matter what you choice, there is a look for you from Michael Kors.

Finding The Perfect Mens Watches

Mens watches are a great accessory to any wardrobe. The right watch is far more than just an accessory but it also can be a necessity. They make men fill like they look good and walk with more confident knowing that their wrist looks and feels nice.

When it comes to all the wonderful design and styles of watches that are available men have a harder time finding the right watch to fit their personality. This is one of the reasons that make shopping for a watch so much fun. You will not only have an easy time finding a watch but you will also find a number of different places you can buy your watch from as well.

You do not have to look far to find that perfect place to buy your new watch. There are a great deal of different retail stores in your local area that may have what you are looking for. The question you will have to ask yourself is where and how much are you willing to spend.

For great deals you can visit local pawn shops in your area. Pawn shops usually have a nice selection of used watches in good condition. The most attractive thing about shopping a pawn shop is the fact that you can easily find a great deal on an amazing watch.

There may some more detail searching involved if you are looking for a brand new watch a good price. However if you visit jewelry stores or may be a watch outlet you will be able to find a nice quality watch with a decent price tag. The best thing about shopping at these types of stores is that you can speak with an associate to answer any questions you may have about any particular watch.

You can also avoid shopping in the stores all the way by simply doing your shopping on the information super highway. The world wide web will give you a much larger selections of watch to choose from than visiting any one store. Although you can inspect the watch in person you will still be able to find out any information you want on any watch you are considering to buy.

Whether on line or in person shopping for mens watches can just as fun as wearing one. You just have to remember that the watch is for you and not worry about how someone else may feel about the watch you are buying. If you follow this simple rule you will never have to worry about having a case of buyer remorse.