National Donut Day Freebies on 6/7

National Donut Day is June 7. Celebrate by picking up these freebies and deals on Friday.

Walmart: Free coffee and donut samples at participating locations.

Duck Donuts: One free Classic donut.

Krispy Kreme: One free donut of your choice.

Dunkin’ Donuts: One free donut per person with the purchase of any drink.

Cumberland Farms: One free donut per person with the purchase of any drink.

LaMar’s Donuts: One free donut.

Super Savings Saturday – 6/1/19

Welcome to another edition of Super Savings Saturday.

This week was a hectic one—travel, everyone catching a cold, more travel, and then a sick cat. I did, however, make time for a little shopping, including my first ever trip to Aldi’s. It will require a post of its own, but the short story is that I’m not impressed!

Rite Aid:

2 Daylogic razors, sale price $5.00. Total: $10.00 plus $10.00 Bonus Cash.

Walgreens:

Pedigree High Protein dog food, clearance price $1.79. (I was very pleased to find it so cheap since the normal price is $6.99. Yes, it’s a smaller 3.5 lb bag, but still a good deal.)

2 Nice bottled water 24-packs, regular price $3.69 plus BOGO. Total: $1.64 each. (That’s better than my normal stock up price of $1.99.)

Aldi:

According to their sale flyer, blueberries, pineapple, strawberries and whole watermelons were supposed to be on sale. Imagine my surprise to find every item on my list either out of stock or way too ripe, to the point of being moldy.

In addition to having poor inventory, the store had 2 employees total and neither was available to help customers. Oh, and did I mention you have to rent a shopping cart and bring your own bags? I’m not sure if it was a fluke. I would try it one more time, just to be certain, but this place was worse than Walmart and that’s bad.

Have you found any good deals lately? Share or link in the comments.

Can’t Afford to Retire? Consider A Reverse Mortgage

People are living much longer these days, and while that’s a good thing, there’s a part of aging that many of us don’t want to face: the high cost.

Think of every bill you have now—housing, clothing, food, medical, utilities, taxes, etc. Even if you live to be 100, many of those expenses won’t go away, and some, like medical care, will significantly increase. I know that’s the case for my in-laws!

A huge amount of seniors literally can’t afford to retire, even if they’ve had a job for decades. (50% of American households have NO retirement savings at all.) Working longer is an option, sure, if you’re healthy. But what about folks who truly can’t work and can’t get by on Social Security alone? (This is way more common than anyone realizes).

Our elders shouldn’t have to face such agonizing choices. They want freedom and fun, time to golf, and travel, and see the grandkids. They were promised a retirement and they deserve it; the only question is how to finance those Golden Years.

Most people don’t want to move in with their adult children, nor do they willingly choose a nursing home. They want to stay in their own place, preferably until they die. If they have a paid-off home, a reverse mortgage is an option.

For those who aren’t familiar, a reverse mortgage is exactly what it sounds like: instead of borrowing money to buy a home, you remove the money from your home (the equity). That money is then freed up for living expenses, and yes, you can remain in the home, even though you’ve taken the equity out.

The terms of a reverse mortgage can vary greatly. The age of the homeowners is a factor (at least one spouse must be 62 or older). The condition of the home itself and its market value is another. If this sounds complicated, it can be, and it’s worth getting sound financial and legal advice before you make a decision.

After careful consideration, if you want to move forward, the good news is that there are lenders that can help. Most big banks that accept reverse mortgage applications, smaller local banks and credit unions participate, and there are federal programs offered through HUD.

A reverse mortgage isn’t for everyone, but for those who are desperately in need of money, don’t want to sell their home, and can’t work anymore, it might be the best solution.

Interesting Debate About Emoji Discrimination – Yarmulkes, Hijabs and Turbans

Can emojis discriminate, and if so, is every group entitled to representation? According to some European Rabbis, the answer is “Yes,” and they’re fighting for Jewish symbols to be incorporated—yarmulkes, Torah, hats, etc.

Since my phone already offers menorah, synagogue, and Star of David options, I’ve never considered it a problem (quite frankly, it wasn’t even on my radar).

According to some, they feel it’s extremely unfair to offer a hijab emoji and a turban emoji, but not to offer a yarmulke emoji. In the most literal sense, if some religious symbols are available, then yes, all of them should be included.

What I find amusing is that emojis have taken on such importance in our society. When I was growing up, the fight for equality was in the real-life sphere, not the digital one. Things certainly have changed!

While it may aid in the cause of diversity and help individuals to feel included, I seriously doubt that an emoji wearing a yarmulke can combat anti-Semitism. Some problems don’t have simple answers and surely, that’s one of them. Regardless, I support emojis for everyone.