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Cash back at Rite Aid...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>I was pleased to find an e-mail in my inbox this morning announcing the return of Rite Aid&#39;s Gift of Savings program. Basically, the chain rewards you with a gift check for your holiday spending. From Nov. 16 through Dec. 24, spend $25 to $50 and get $5 back. Spend $51 to $100 and get $10 back. Or, spend $101 or more and get $20 back. This is great because you can accumulate your savings over time, while still using coupons and participating in Rite Aid&#39;s normal rebate program. You will need to be a member of Rite Aid&#39;s Single Check Rebate program to participate. If you are unfamiliar, you can read my explanation of the program <a href="/taking_stock/coupons_101_rite_aid_rebates_explained" target="_blank">here</a>.</p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/cash_back_at_rite_aid#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
Sam's Club and Black Friday...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p><img src="/sites/projects.newsobserver.com/files/images/SAMS_Logo_4CP_OL.preview_0.jpg" alt="" width="112" height="112" align="left" />For those of you who are planning to shop at Sam&#39;s Club on Black Friday, here&#39;s a little warning for you. Unlike previous years, when Sam&#39;s would issue guest passes for non-members, this year, the prime hours of 5 to 10 a.m. are going to truly be reserved for members only. Sam&#39;s says this is a way to reward their members and give them first crack at the big Black Friday deals. If you need a little incentive to join, Sam&#39;s is offering a $10 gift card bonus for those who sign up for membership between now and Thanksgiving. You could use that card on Black Friday to maximize your savings, or you could save it for a later date.</p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/sams_club_and_black_friday#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
Nestle recalls Lean Cuisine...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"> <p>Heads up, shoppers. Nestle Foods is recalling nearly 900,000 pounds of Lean Cuisine chicken entrees because there may be pieces of plastic in them. The affected products were Pesto Chicken with Bow Tie Pasta, Chicken Mediterranean and Chicken Tuscan.</p><p>This is the second recall this month for Nestle. On Nov. 7, the company recalled two different varieties of Nesquik Strawberry Powder.</p><p>For the product codes involved in both recalls, click Read More. </p> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-readmore"> <a href="http://projects.newsobserver.com/taking_stock/nestle_recalls_lean_cuisine"><img src="http://projects.newsobserver.com/sites/8830.newsobserver-drupal-projects.apps.prod.nandomedia.com/themes/nao/images/dome_read_more.gif" width="74" height="23" border="0" /></a></div> <div class="node-blog-teaser-comments">&nbsp;&nbsp;<a href="http://projects.newsobserver.com/taking_stock/nestle_recalls_lean_cuisine#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
Plan for Cyber Monday...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>If you&#39;re a the kind of shopper that prefers to click your way to savings from the comfort of your own home, you probably know all about Cyber Monday. That&#39;s the nickname given to the Monday after Thanksgiving, which is typically a crazy busy day for online shopping Web sites.</p><p>The National Retail Federation has redesigned its Cyber Monday shopping page, which can be a useful tool for those of you planning to hit the virtual stores. Among the new features this year: a comparison feature that searches all of the Web site&#39;s partner merchants for the best deals, the opportunity to register your e-mail address to get early alerts about good deals, a deal of the hour promotion and a new green product shopping category. You can find the Web site <a href="http://www.cybermonday.com/" target="_blank">here</a>.</p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/plan_for_cyber_monday#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
A sale for book lovers...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>Just a reminder that the Wake County Public Library Booksale begins tomorrow in the former Super Kmart at 4121 New Bern Ave. in Raleigh. There will be more than 300,000 books for sale. Here&#39;s the schedule:</p><p><strong>Wednesday:</strong> noon to 9 p.m. <strong>Thursday and Friday:</strong> 10 a.m. to 9 p.m.</p><p><em>(Prices the first three days are $4.00 for hardbound books; $1.00 for paperbacks)<br /></em></p><p><strong>Saturday:</strong> 8 a.m. to 8 p.m. <em>(Prices on Saturday are $2.00 for hardbound books; 50 cents for paperbacks)</em></p><p><strong>Sunday:</strong> 10 a.m. to 6 p.m. <em>(Prices are $5.00 per box; $2.00 per bag with the library providing boxes and bags)</em></p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/a_sale_for_book_lovers#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
What are you ISO?
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>It&#39;s Monday, so I thought this would be a great time to put up one of those posts where readers of Taking Stock can help each other out. Is there an item you&#39;ve been desperately combing the stores for? What are you in search of? (ISO for short) Post it here and maybe one of your fellow readers can help you out. </p><p>If you&#39;re posting an ISO item, be as specific as possible. Give the brand, describe the package, etc. If you&#39;re responding to an ISO posting, be as specific as possible. Give the store name, location, etc. so that the other person can actually go find it! </p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/what_are_you_iso#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (12)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
You're on the clock...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>To me, one of the best parts about shopping is having a chance to chat with the cashiers. Of course, part of that is because it&#39;s my job to know what&#39;s going on in stores, and employees are always the ones with the scoop. But part of it is also just because I like talking with people. At stores where I am a regular, I know many of the cashiers by name. </p><p>So I was surprised by <a href="http://online.wsj.com/article/SB122651745876821483.html?mod=dist_smartbrief" target="_blank">this Wall Street Journal story</a> about an efficiency program being implemented by midwestern grocery chain Meijer. The company is timing its cashiers, starting the clock when the customer&#39;s first item is scanned and stopping it when the receipt is printed. The faster you go, the more efficient you are deemed. I understand that companies need to look for efficiencies wherever they can nowadays, but I have to wonder if this will backfire. Who likes to feel rushed when they are giving a store some of their hard-earned money?</p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/youre_on_the_clock#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (6)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
From my inbox...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>I had a couple of interesting e-mails this morning:</p><p>*Walgreens is offering $10 off your holiday photo gift order of $40 or more (that&#39;s like photo mugs, calendars, photo books, etc.) The deal is good through Nov. 22. Use coupon code HEADSTART when you check out online.</p><p>*Barnes &amp; Noble is offering a free silver-plated picture frame when you spend more than $75 online. You can view the details on that deal <a href="http://www.barnesandnoble.com/holiday-gifts/index.asp?r=1" target="_blank">here</a>.</p><p>*And Petco is offering free shipping on online orders of $50 or more with the coupon code &quot;autumn.&quot; There are some exclusions, including pet food. You can view the details on that one <a href="http://www.petco.com/Help/Promo.aspx?OrderPromoCode=autumn&amp;cm_ven=email&amp;cm_cat=prod&amp;cm_pla=111608HolidayTravelDog&amp;cm_ite=shopnow&amp;MessageID=100376" target="_blank">here</a>.</p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/from_my_inbox_7#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (1)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
New Attraction Book...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p><img src="/sites/projects.newsobserver.com/files/images/attractionbook.jpg" alt="" hspace="7" vspace="7" width="99" height="142" align="left" />The new 2009 Attraction Books are out, featuring coupons from dozens of local businesses. I like these because they are very local and there are a lot of BOGO restaurant coupons. There are also some coupons for national chains, including CVS, World Market, Michael&#39;s, AC Moore and Dick&#39;s Sporting Goods.</p><p>The books are $25 each, but I do think you will be able to make them pay for themselves pretty easily. There is a &quot;Triangle&quot; book and a Johnston County book. If you get a bunch of friends together, you can decrease the cost each of you pays because the company is offering a buy five get one free deal. And shipping is free as long as you choose standard shipping. <a href="http://www.attractionsbook.com/" target="_blank">Preview the books or order one here</a>. </p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/new_attraction_book#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (2)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
Reminder: Dinner for vets tonight...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p><img src="/sites/projects.newsobserver.com/files/images/Honoring%20America's%20Bravest.preview.jpg" alt="" hspace="7" vspace="7" width="244" height="183" align="left" />Just a quick reminder that Golden Corral restaurants will be honoring veterans and active military personnel this evening with a free dinner from 5 to 9 p.m.</p><p>While you&#39;re there, you might think about participating in the company&#39;s postcard campaign, which sends postcards of thanks and support to troops overseas. Last year, the company sent more than 55,000 postcards to troops. This year, the goal is 75,000, and today is the last day of the campaign. The postcards should be available in restaurants, so all you have to do is fill one out and hand it back in! </p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/reminder_dinner_for_vets_tonight#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
Cool Target gift cards...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>Each year, retailers roll out new gift card designs in time for the holidays, but Target has a few new cards that are really different.</p><p>Pictured here are three examples, one that is a tin filled with holiday M&amp;Ms, one that lights up (the one with the house picture) and one that doubles as a digital camera. There is no extra charge for these cards and they can be loaded with any value from $5 to $2,000. The only caveat is that there is a minimum value of $50 for the camera card.<img src="/sites/projects.newsobserver.com/files/images/target%20card%203.jpg" alt="" hspace="7" vspace="7" width="146" height="97" align="left" /><img src="/sites/projects.newsobserver.com/files/images/target%20card2.jpg" alt="" hspace="7" vspace="7" width="160" height="100" align="left" /></p><p><img src="/sites/projects.newsobserver.com/files/images/target%20card.jpg" alt="" width="134" height="90" align="left" /></p><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/cool_target_gift_cards#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
It's time for calendars...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>I heard this week from reader Cat, who said she was at the ACE Hardware in Raleigh&#39;s Seaboard Station and noticed a giveaway of a 2009 calendar with a coupon inside for each month. According to Cat, there are 5 coupons for $5 off your $25 purchase distributed throughout the coupons on the calendar, each coupon being good for a month. ACE is one of several retailers that has coupon calendars. I know Chick-fil-A has one as does Auto Bell. There are charges for some, but they can be really worth the money and can also make good gifts. Just something to think about as holiday shopping time approaches.</p></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/its_time_for_calendars#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
Today's coupons are up...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>Well, there were more than 170 new coupons in this morning&#39;s paper, and there were some really good ones!</p><p>Be sure to catch the one-page insert from Kroger this morning, too. There are nine coupons on that flier, and note that all but one of them are manufacturer&#39;s coupons, meaning you can use them at any store. And if you use Bounty paper towels, there&#39;s a Bounty coupon on page 9 of Parade today, too.</p><p>Happy clipping, everyone! As always, if you prefer the database in an Excel spreadsheet, it is available for download below. </p><br /><br /><b>Document(s):</b><br /><a href='http://projects.newsobserver.com/sites/projects.newsobserver.com/files/Find a Coupon 1116.xls'>Find a Coupon 1116.xls</a><br /></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/todays_coupons_are_up_35#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (2)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
Nutro dog food rebate...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>If you feed your dogs Nutro dog food, you may be interested in this one.</p><p>The company is offering up to $10 back on the purchase of Natural Choice High Energy Food. The rebate gets bigger if you buy a larger bag. To get the full $10, you have to buy the big 35-pound bag. If you buy the smaller 5-pound bags, the rebate is $3. The purchase must be made by Jan. 2 and postmarked by Jan. 16. You&#39;ll need the form below! </p><br /><br /><b>Document(s):</b><br /><a href='http://projects.newsobserver.com/sites/projects.newsobserver.com/files/Nutro rebate.pdf'>Nutro rebate.pdf</a><br /></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/nutro_dog_food_rebate#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->
Free ice cream with your turkey...
<!-- Begin check for Blog Icon --> <!-- End check for Blog Icon --> <!-- Begin check for Teaser Toggle --> <div class="field-item"><p>If you are planning to buy a turkey from Earth Fare for Thanksgiving this year, take the flier I&#39;ve attached below with you.</p><p>The retailer is giving away a free 56 oz. tub of ice cream with your turkey purchase (retail value $4.99). Earth Fare all natural turkeys are going for $1.99 a pound, and organic turkeys are $2.99 a pound. It&#39;s one per customer and the certificate is good only on the day you pick up your bird. </p><br /><br /><b>Document(s):</b><br /><a href='http://projects.newsobserver.com/sites/projects.newsobserver.com/files/free_ic.pdf'>free_ic.pdf</a><br /></div> <div class="node-blog-teaser-footer"> <div class="node-blog-teaser-comments"><a href="http://projects.newsobserver.com/taking_stock/free_ice_cream_with_your_turkey#comment"><img src="http://www.newsobserver.com/images/front_new/icon_discussion.gif" width="11" height="7" border="0" /> Comments (0)</a> <!-- If permissions, display edit link at end of teaser --> <!-- End edit link code --> </div> </div> <!-- End check for Teaser Toggle --> <!-- BEGIN AUDIO ATTACHMENT CODE -->


   Stocks - Getting Started In The Market

11e5

Hollywood loves the stock market. The chaos of the stock exchange floor, the tension of boiler room day-trading, devious power brokers making back room deals; it all makes for great drama. Then you have the true-to-life stock market stories in the news: insider trading, big money IPOs, the dot com bust. All of it is enough to make you steer clear of the market for good and travel down a safer investment path. But don’t be frightened, history shows that long-term, there’s no better place to put your money to watch it grow. Here are a few tips to get you started.

Stocks 101

Simply put, when you purchase stock in a company, you become part-owner of that company. Along with other shareholders, you all combine as investors in the business, and therefore reap its rewards, or suffer its losses. Stocks are most commonly divided into separate categories depending on the size and type of the company (e.g., mid-cap, small-cap, energy, tech, etc.).

While speculation can drive stock prices in the short term, it’s long-term company earnings that determine a stocks gains or losses. Speaking of short term, that’s when stocks are extremely volatile. Over a span of just a few months or years, stocks can climb to astronomic heights or drop to pitiful lows. But, since 1926, the average stock has returned over 10 percent per year. That’s better than any other investment vehicle out there, and that’s why

   

   stocks are your best bet for long-term investment.

Picking Stocks

Before you dive head-first into the market, there are a few things you should know about picking stocks. First, the market’s performance as a whole is not necessarily a reflection of its individual stocks. Good stocks can keep growing even in a down market, while bad stocks have the frustrating tendency to drop or remain stagnant in a strong market.

Also, remember that history is not indicative of a stock’s future performance. Even solid stocks can slip from time to time. Remember that stock prices are based on a company’s earnings outlook, not its past performance. If the future looks bright for a company, a $100 dollar stock is probably a good buy. If earnings look less than promising, even a $5 stock can be a waste. Finally, investors determine a stock’s value by measuring a handful of primary criteria, most notably cash flow, earnings, and revenue.

“Diversify”

It’s the rallying cry of all smart investors. When compiling an investment portfolio of stocks, it’s smart to own shares in companies from several different industries. Consider it a “hedge bet”. When one part of the economy experiences a downturn, you’ll have other stocks in your portfolio to put your faith in.

When building your portfolio, the safest bet is to pick from financially strong businesses with earnings growth above the average. Surprisingly, that limits the lot to choose from, as only around 200 stocks today fit that bill. A solid portfolio features somewhere in the ballpark of 20 stocks selected from seven or more industries. A general rule of thumb is to invest in stocks with an above-average rate of growth and reasonable valuations.

Buy and Hold

Day is a great way to lose your nest egg, but quick. As we noted before, stocks over the short term are highly volatile. Sure, brokers today are offering cheap trades, but beware. There are a ton of hidden fees and taxes involved with day trading, not to mention the amount of attention required by you to monitor the blow-by-blow proceedings of the market. Our recommendation: buy and hold. A ten percent return over the long term is nothing to sneer at.

Joseph Kenny writes for the Loans Store which offers more information on home loans, secured loans and other loan topics available on site.

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