NOVEMBER 2013 A SPECIAL SUPPLEMENT TO
Central City News
Baton Rouge Holiday Calendar Don’t Be Alone in the Crowd! Be Part of the Community!
Christmas Parades
Fun for the Entire Family!
Don’t Give the Same-Old, Same-Old! Some Unique Louisiana gifts
View this section online by scanning this code or @ www. centralcitynews.us/ HolidayGiftGuide
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NOVEMBER 2013 • CITY NEWS
We’re Overflowing With Great Gift Ideas for the Athlete on Your List! Team Jerseys | New & Used Equipment Athletic Apparel & Footwear Fitness Gear & Cardio Machines Hiking & Outdoor Sporting Goods
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Gift Cards Available
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Like Us on Facebook for a Discount on Your Next Purchase!
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KLS Sports
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1234 Washington Street | Somersville Heights 000-000-0000 | www.namewebsite.com
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Fight Holiday Weight Gain
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Pound for Pound
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Dos and don’ts of holiday shopping
Maximize time spent on holiday shopping
Holiday shopping on a budget Tips for early bird holiday shoppers
Use coupons to save on holiday purchases Is your child ready for a tablet? Gifts to rev auto lovers’ engines
Gift ideas for the athlete in your life
Gifts no outdoor enthusiast can resist
Unique gift ideas for the family globetrotter
Are cash gifts tacky or ideal? How to go green when holiday shopping Prevent identity theft during the holidays
Avoid the hidden costs of online shopping
Frugal gift wrapping ideas ‘Tis the season for shipping gifts
The etiquette of exchanging gifts with coworkers Gift returns done right
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ccording to the American Bankers Association, many merchants view debit card purchases in the same light that they do purchases made with cash or personal checks. That’s an important distinction for holiday shoppers to consider before making purchases, as any items bought on their debit cards may only be worthy of store credit instead of a full refund should such items need to be returned. Shoppers buying gifts for friends and family members should understand that, even if they remember to include gift receipts when wrapping gifts, those items may only be eligible for store credit if purchased with a debit card. When buying items with credit cards, consumers can withhold payment if they are not satisfied with the product. No such option exists when using debit cards. In addition to more restrictive return policies, shoppers who use debit cards may incur debit transaction fees, This means they are charged each time they use their debit cards, or such fees may be triggered when users use their card too often. Debit card users can check the agreement signed when they opened their accounts to determine if they will be subjected to debit transaction fees. Holidays shoppers whose purchases are subject to such fees may want to avoid using their debit cards during the holiday season.
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CITY NEWS • NOVEMBER 2013
BIG JOY If visions of toys dance in their heads, you’d better get here
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NOVEMBER 2013 • CITY NEWS
Dos and don’ts of holiday shopping
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Maximize time spent on holiday shopping
Distant friends may no longer need to feel obligated to buy presents for one another. Opting to do a “Secret Santa” or another grab-bag style gift exchange can reduce the number of gifts you need to buy, saving time along the way.
hanks to sales featuring heavily discounted items, millions of people wait to start their holiday shopping until the season hits full swing. But in spite of such bargains, overextending budgets during the holiday season is too tempting for many shoppers to resist. However, shoppers need not risk financial peril if they shop smartly and heed some dos and don’ts of holiday shopping.
• Do set a budget. Establish what you can afford to spend on gifts and other seasonal trimmings early on. The National Retail Federation estimates that the average consumer will spend around $700 come the holiday season. But not every person needs to be a big spender. The “buy now, pay later” mentality that credit cards offer lands many shoppers in trouble, a sticky situation many only notice once the first bill comes due. If you cannot afford to pay your entire credit card balance off once the bill arrives, you face steep interest charges that can quickly add up. Instead, pick a set spending limit and keep to it no matter how tempting it may seem to overspend with a credit card. • Don’t be fooled by false sales. Retailers understand that a good advertised deal lures shoppers into their stores. As a result, some retailers mark up the cost of certain items in order to slash the prices for holiday sales. Even if you are saving the assumed 50 to 60 percent, the final cost of the item still may be higher than normal. Comparison shop and do your research so you don’t fall victim to clever pricing. • Do schedule time for shopping. Hectic schedules sometimes result in last-minute shopping that leads to impulse purchases. Schedule some distraction-free time for your holiday shopping so you’re less likely to rush into purchases before thinking them through.
• Don’t double buy. Some shoppers use the holidays as an excuse to buy more for themselves than the people on their lists. While it’s tempting to treat yourself come the holiday season, this is a great and quick way to deplete your budget. If you plan on using holiday deals to supplement your own wardrobe or household needs, reduce your spending the rest of the year and save money for year-end purchases. • Do collect coupons and look for purchasing incentives. Comparison
Keep a spreadsheet of your shopping list stored on your computer or smartphone so it can be easily modified year-to-year.
Create a shopping strategy
Millions of shoppers flock to stores on Black Friday to take advantage of doorbuster deals, and some even get all of their holiday shopping finished on this one afternoon. Others prefer to divide and conquer over a few weeks. Decide how you would like to economize your shopping so you won’t be traveling from store to store wasting precious time.
shopping not only helps you get the best price, but also it can shed light on coupons, shipping discounts and other incentives that lower the overall cost of products. Search online for Web sites that publish coupons and codes for online discounts, including free shipping. Join a store’s marketing list and receive emails with deals sent directly to your inbox. • Don’t be afraid to delay some purchases if need be. If hosting a post-holiday gathering where gifts will be exchanged, it’s perfectly acceptable to delay buying those gifts until after Christmas or Chanukah, when many items can be found at even lower prices. Many stores reduce prices on merchandise come December 26, so you can wait until after the holidays to shop for items that will be exchanged with distant friends and relatives. This enables you to save more money and use any received gift cards toward shopping.
• Do keep a level head. Some people forget the true meaning of the season is spending time with loved ones. Getting swept away by shopping and worrying about deadlines can make the season less enjoyable. Don’t allow the stress of holiday shopping to compromise an otherwise joyous time of year.
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he holiday season encompasses several weeks of frenetic activity, as men and women look to juggle abnormally busy social schedules with holiday shopping. While you might not be able to add hours to the day, there are certain measures anyone can take to make the hustle and bustle of the holiday season more efficient. Shopping swallows up a significant amount of time come the holiday season. According to the latest Consumer Reports Holiday Shopping Poll, the average person will spend 15 hours shopping for presents. Women tend to spend twice as long as men in stores and online, with women logging 20 hours of holiday shopping compared to the 10 hours the average male spends shopping for holiday gifts. Making the most of holiday shopping trips can free up moments and reduce overall stress during the holidays.
Condense your gift list
How much time you spend on holiday shopping depends largely on the number of people on your gift list. Shortening that list can save time and money. This may be the year for adults to collectively decide to forego exchanging gifts in lieu of devoting more funds toward gifts for youngsters.
Organize your shopping list into certain categories. Then match up those categories according to the stores that cater to these items. For example, if your list mentions bedding for a new college student’s dorm room, curtains for an aunt and a set of beach towels for a friend who will be doing some postholiday travel, group these purchases together and head to a bed-and-bath store. Such a plan in place can greatly cut down on your time spent shopping.
Shop off-hours
Consumer Reports says shoppers expect to wait in store check-out lines for an average of 3.5 to 4 hours this holiday season. Avoiding such situations can save you a significant amount of time, so shop during off-peak hours when you won’t be elbow-toelbow with fellow shoppers.
Take advantage of stores’ extended hours and shop later in the evening, when parents and their children will likely be preparing for bed and not waiting in line at the mall. Some retailers entice shoppers with early bird specials and open their doors very early, so shoppers looking to save time can make an effort to be the first person at the door when the store opens. If you must shop during a lunch hour, shop online where crowds are never a concern.
Split up the shopping
Spouses, family members and even
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CITY NEWS • NOVEMBER 2013 friends can pool their shopping time and help others by tackling some of their purchases. Dividing the work shortens the time spent in stores, and a third party may have a keen eye to a deal or a unique gift when he or she is emotionally removed from the purchase.
Tick-Tock, Tick-Tock… Time Is Running Out on Our Christmas Countdown Sale!
Our biggest sale of the season ends Sunday, so hurry in to wrap up your holiday shopping.
The average person finds time is of the essence come the holiday season. Prioritizing and economizing shopping is one way to make the season less hectic.
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It’s Beginning To Sound A Lot Like Christmas!
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NOVEMBER 2013 • CITY NEWS
Holiday shopping
Smart Santas Shop Here Santa knows where to save big bucks, and so do you! Below-Department-Store Prices on Top-Quality Merchandise for the Home & Family
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he economic downturn that began in late 2008 forced many holiday shoppers to curb their spending on gifts for friends and family. But even though the economy has since recovered, savvy holiday shoppers are still taking a conservative approach to their shopping, and saving lots of money along the way. Shoppers often struggle with how much to spend on gifts for their loved ones come the holiday season. The quest for the perfect gift leads many to overspend, but there are ways holiday shoppers can give great gifts without breaking the bank.
• Leave credit cards at home. Stretching a budget when holiday shopping can be tempting, especially when shoppers come across “can’t miss” gifts they know their loved ones will treasure. Succumbing to such temptation typically finds holiday shoppers using their credit cards to make purchases they otherwise cannot afford, and that only lands shoppers in post-holiday debt that can be difficult to pay off. Leaving credit cards at home when shopping for the holidays significantly reduces the likelihood that shoppers will overspend, and it guarantees they won’t be mired in debt come January.
• Whittle down your shopping list. Many holiday shoppers find themselves in financial hot water come the end of the holiday season thanks in large part to seemingly endless holiday shopping lists. Lists may include coworkers, distant cousins, neighbors, and a host of other acquaintances. Whittling down holiday shopping lists can save shoppers money. Contact loose acquaintances and distant relatives to suggest you stop exchanging
gifts come the holidays, saving both parties time and money.
• Make a list of gifts. Blindly shopping for holiday gifts can prove disastrous to your finances. Before heading out on a holiday shopping trip, make a list of gifts you intend to buy for each person on your list. This can help you focus your search and reduce the likelihood that you will make potentially costly impulse purchases as you wander around the mall for hours on end.
• Avoid last-minute shopping. Lastminute shopping may unearth some great deals, but it’s far more likely to back shoppers into corners as they race against time to complete their holiday shopping. When shopping is put off until the last minute, shoppers don’t have time to comparison shop and find better deals, and that can quickly turn a holiday budget upside down. Begin your holiday shopping as early as possible, and take advantage of holiday sales. • Spread out your shopping. Holiday shoppers with especially long shopping lists can spread out their shopping over several months to reduce the likelihood that they will accumulate credit card debt or run out of cash during the holiday season. Begin shopping in late summer or early fall, periodically buying gifts for loved ones when you have the cash to do so. This has the added benefit of freeing up time during the often hectic holiday season, and it greatly reduces the risk of compiling post-holiday debt.
Many people stretch their budgets during the holiday season. But savvy holiday shoppers can employ several strategies to keep themselves out of debt this holiday season.
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CITY NEWS • NOVEMBER 2013
Tips for early bird holiday shoppers
need a Debt Rx? We’re here to help. Talk to us about the right strategy to pay down your debt and make a fresh financial start.
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etting a head start on holiday shopping has its advantages. Holiday shoppers who begin their quests for the perfect gifts at the onset of the season or before the shopping season even begins often find the financial sting of holiday shopping is easier to manage when spread out over time, and starting early can save shoppers the hassle of navigating their ways through crowded stores and packed parking lots.
Free Advice! Call to arrange your
But even holiday shoppers who hit the stores extra early should do so with a plan in hand, which can help shoppers save money while still finding the right gifts.
• Establish and stick to a budget. Just because you may be starting your holiday shopping early does not mean you should throw financial caution to the wind. Establish a budget so holiday shopping won’t find you facing significant debt, which is just as difficult to deal with in late fall as it is once the holidays have come and gone. If necessary, speak to family members before establishing your budget so you can all agree on holiday spending limits. Once you have established your holiday shopping budget, stick to it and avoid the temptation of overspending just because you’re starting early.
• Take your time. Arguably the greatest luxury of getting a head start on holiday shopping is the ability to take your time so you don’t end up making expensive impulse purchases. Such purchases may be your only option if you wait until the last minute to start shopping, but starting early enables you to take your time and comparison shop so you can find the best deal. If you find a great gift in a store but want to find it for less money, shopping early allows you to shop around at another store or online to see if it’s more affordable elsewhere. Make the most of this extra time, and you’re liable to save a substantial amount of money over the course of the season. • Take advantage of early bird offers. Many online retailers want consumers to begin their holiday shopping early, so they offer incentives to shoppers who beat the holiday rush. Such retailers may waive shipping and handling charges or wrap gifts free of charge for shoppers
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Getting a head start on holiday shopping gives consumers more time to comparison shop and find better deals. who begin their holiday shopping early in the season. These offers typically disappear once the season hits full swing, so early bird shoppers should take advantage of such offers whenever possible.
• Get creative. Starting early may allow some holiday shoppers to skip the process of shopping altogether. Creative men and women with unique skills such as woodworking or making pottery may be able to create their own holiday gifts. Homemade gifts will likely take more time to create, but starting early allows you to go at your own pace while still ensuring your special gift will be ready to go come the holidays.
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NOVEMBER 2013 • CITY NEWS
Holiday Wrap-Up We have great gift ideas, and everything you need to wrap them up beautifully! Stocking Stuffers • Gift Baskets • Fragrances Bath & Body • Cosmetics • Toys Gift Wrap • Greeting Cards • Gift Bags Ribbons & Bows • Boxed Holiday Cards
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1234 Washington St. • 000-000-0000
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Everybody Loves a Bargain! Why wait for a sale when you can save 30 to 60 percent off regular retail prices every single day? From household and personal care essentials to fashions for the family and home, we have big savings in store every time you shop!
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Use coupons to save on holiday purchases C
oupons have long been helping consumers save a few dollars on everything from supermarket staples to toys and more. Scouring for coupons and using them effectively has evolved into an art form, with some savvy coupon users paying next to nothing for carts full of merchandise. The average shopper may have little experience at finding coupons, but he or she can still save some money. As the holiday season approaches, it’s likely that coupon usage will once again be widespread. Here are some ways to put coupons to good use.
• Shop at stores that allow coupon stacking. Many store policies only allow shoppers one coupon per purchase. But a select few allow shoppers to stack coupons to save more money. In such situations, shoppers may be able to combine dollar-value-off coupons with percentage-off coupons. In addition, some stores may not limit the number of coupons shoppers can use on a single transaction. Shopping at these stores with more flexible, consumer-friendly coupon policies can add up to significant savings over the course of the holiday shopping season. • Check the restrictions before heading to the store. When planning to use coupons, shoppers should verify the fine print on the coupon before entering the store. Some coupons restrict which items can be purchased in conjunction with the coupon. For example, some stores may prohibit shoppers from using coupons when purchasing brand name or designer products, while others may limit when the coupon can be used. Blackout dates could apply, so shoppers should visit stores when no such restrictions apply. • Do your research before leaving the house. Just because you don’t have a paper coupon from a mailer or newspaper doesn’t mean such coupons are nonexistent. Search popular coupon Web sites for online coupon codes or printable in-store coupons. Merchandise can even be shipped to the store, which is usually free, to save you even more on shipping costs for items purchased online. • Purchase more to save. It may seem counterintuitive, but very often
Holiday coupons can be found in the mail, newspaper advertisements and even online. larger purchases qualify shoppers for steep discounts. Consider doing all of your shopping at one retailer and then taking advantage of coupons that deduct a certain percentage of your total purchase. It could be worth it if you spend just a little bit more.
• Keep track of your coupons. Coupons are no use to you if you lose them before you begin your holiday shopping. Keep them in a safe location and then remember to bring them with you when shopping for the holidays. Some coupons can be used repeatedly, so do not discard them after use. When used effectively, coupons can save holiday shoppers a substantial amount of money.
CITY NEWS • NOVEMBER 2013
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Is your child ready for a tablet? T
ablets are poised to grow more popular in the years to come, and many children are anxious to get their very own tablet. But many parents wonder if their kids are ready for a tablet and if such devices would make good gifts for their youngsters this holiday season. According to a 2012 report from Pew Research, 22 percent of American adults now own some type of tablet, while InStat research estimates 65 percent of Americans, or more than 200 million people, will have a smartphone and/or tablet by 2015. According to a Fall 2012 report by the Media Technology Monitor, an estimated 26 percent of the Canadian population has a tablet, more than twice the amount of tablet owners just a year earlier.
As tablets become the device of choice, many different manufacturers have entered the tablet market, and children have begun to ask for tablets for holiday gifts, leaving parents wondering if their children are responsible enough to own a tablet that may cost several hundreds of dollars.
Price-wary parents should realize that tablet prices vary greatly depending on the device. But a growing number of childfriendly tablets have entered the market, and such devices are designed to be more durable for children who have a tendency to drop and destroy things. Those on the fence about whether or not to purchase a tablet for a child can consider these options.
• The Samsung Galaxy Tab 3 Kids is a tablet that comes with a selection of educational functions, games and e-books. The device allows parents to decide which apps can be accessed on the device and restrict use to certain periods of time. The Galaxy Tab 3 Kids boasts a seven-inch screen and will run Android 4.1 or Jelly Bean. The front and rear facing cameras are considerably lower in quality than Samsung’s previous products, down to 3-megapixels and 1.3-megapixels, respectively.
• The VTech InnoTab tailors apps to children in a compact device. The screen is just five inches in size, and the tablet comes packed with interactive e-books, learning games and other creative tools. It also has a modest price tag for a child’s first foray into the world of tablets.
• The LeapFrog Leappad Ultra is a kid’s learning tablet designed for children between the ages of four and nine. It comes with a seven-inch screen, Wi-Fi with kid-safe Web access and the ability to connect to a library of more than 800 educator-approved apps, books and more.
• The nabi is an Android tablet that is geared entirely toward kids. The nabi comes in several different incarnations (nabi Jr., nabi 2 and nabi XD) depending on the age of the child and the desired features. In July of 2013, Fushu, Inc., creator of the nabi tablet, was received the “Best Tablet 2013: For Kids” award from Laptop magazine for its nabi 2 device.
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• The Amazon Kindle Fire is quickly becoming a go-to option for parents interested in acclimating their children to a tablet. Less than half of the price of its biggest competitor, the Kindle Fire still allows kids to access a bevy of features. Music, movies and Amazon’s evergrowing trove of e-books are just some of the features that make the Kindle Fire a popular choice.
• Though small, the iPad mini has all of the features of a larger iPad but in a more kid-friendly size. Many parents prefer the iPad mini for their children because they
have Apple products and appreciate being able to share with their kids apps and information among all of the devices. Determining if a child is ready for a tablet is a difficult decision for parents, who must assess how well the child handles responsibility, toys and electronics in the home. Adults may opt for a more durable, less expensive tablet as an introduction to tablets for children and then gravitate toward more “adult” options as their children prove they can be responsible with the device.
It’s For You! A New Year is calling, and we’d like to send you our message of greetings and gratitude for your kind patronage this year. We really do appreciate your calling on us ~ Happy New Year!
Name Business
1234 Washington St • Somersville Heights 000-000-0000 • www.namewebsite.com
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NOVEMBER 2013 • CITY NEWS
Gifts to rev auto lovers’ engines
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uto lovers tend to consider their cars their most prized possessions. While it may not be possible to buy the auto lover on your holiday shopping list a new car, there are many gifts that are sure to please those people who can’t get enough time behind the wheel or in the garage. • Global positioning system: Often referred to as a GPS, a global positioning system is a satellite-based navigation system providing location information no matter where drivers find themselves on their next road trips. If a GPS is within range of a GPS satellite, drivers will never again find themselves pulling over on the sides of roadways in an effort to find out just where they are. Though many new vehicles come with GPS, vehicle manufacturers tend to offer them as accessories and not standard features. So if your favorite driver is driving an older vehicle or did not splurge on a GPS when purchasing his latest ride, this gift is sure to please.
• Car wash kit: Auto lovers not only love to get behind the wheel, but they also love to get behind the wheel of a good-looking automobile. A car wash kit, complete with a wash and wax that repels water and protects a good polish, is an ideal gift for auto enthusiasts who like their vehicles to look as good as they drive. • Customized floor mats: Many auto enthusiasts consider their cars an extension of themselves, and a customized accessory, like
Gift ideas for the athlete in your life
T
he quest for the perfect gift is a familiar journey for many holiday shoppers. As any veteran shopper knows, some people are easy to shop for, while others baffle even the savviest of shoppers. But recognizing loved ones’ passions and finding gifts that suit those interests can make shoppers’ quests for the perfect gifts that much easier. Every person is unique, and the things that drive one person may be foreign to another. But nearly every family or group of friends has an athlete in their midst, and gifting the family athlete can be both fun and easy. The following are a few gift ideas, broken down by sport, for shoppers looking to please their favorite athletes this holiday season.
a new set of floor mats, can add a personal touch to drivers’ rides. If your loved one has a special nickname for his or her vehicle, consider inscribing that nickname on a set of customized floor mats. Auto enthusiasts who have an equal passion for a certain sport may appreciate floor mats with the logo of their favorite team.
• Hands-free headset: Car lovers spend lots of time in their cars. Though such time might once have afforded auto enthusiasts an escape from the daily grind, nowadays the prevalence of smartphones has made it easier than ever for the outside world to find its way into vehicles. As a result, auto enthusiasts may appreciate a hands-free headset that allows them to take calls while driving without compromising their concentration on the road. Some hands-free devices even allow drivers to stream music from their smartphones directly to their car stereos, allowing drivers to hit the open road while enjoying their favorite tunes.
• Auto show tickets: Many autolovers keep an open eye for their next vehicle purchase. Auto shows are often the best places to learn about new vehicles and what motorists can expect in the future, so why not give your favorite car guy or gal tickets to an upcoming auto show? He or she may find his or her next vehicle or simply enjoy walking around and seeing all the latest automotive industry upgrades and gadgets.
Softball bats can be quite expensive, but the right bat can make a big difference in the batters’ box. Additional equipment shoppers can consider is a new mitt, a sleek pair of sunglasses to make watching for flyballs that much easier or batting gloves to lessen the bit of chilly air many hitters are aware of come early spring when the last of the winter weather just won’t go away. The Weightlifter
Weightlifting is now embraced by people of all shapes and sizes. This activity is often recommended as an integral part of a successful exercise regimen, so shoppers can help their favorite fitness fanatics make the most of their weightlifting routines with a few gifts designed to do just that. Weightlifting belts can help prevent injury by supporting lifters’ backs as they workout. For lifters who don’t tip the scales, a dip belt makes an ideal gift. Such belts allow men and women to add weight to their body when performing exercises like dips, pull-ups and chin-ups. That extra weight helps athletes challenge themselves and build strength and muscle. Workout gloves also make great gifts for weightlifters, helping to protect their hands from developing potentially painful and unsightly calluses that often result from weightlifting. A new gym bag is another potential gift for the family weightlifter. Such bags make it more convenient for athletes to carry their accessories, such as belts, gloves, athletic shoes, or even tablets to use while on the treadmill or elliptical machines. The Ballplayer
Whether shoppers’ favorite ballplayers are still taking cuts at fastballs or have moved on to slow-pitch softball, these players will appreciate gifts they can put to good use on the diamond.
The Martial Artist
Mixed martial arts is one of the fastest growing sports in the world. Thanks in large part to its increasingly strong presence on television, mixed martial arts has inspired athletes across the globe to embrace various forms of martial arts training, and gift options abound for such athletes. Belts, mats and striking pads can help athletes hone their skills both in the gym and at home, while instructional DVDs can help novice martial arts enthusiasts practice before finding martial arts facilities in their neighborhoods. The Yogi
Though its status as a sport is open to debate, yoga can be just as strenuous and physically demanding as more traditional physical activities. Yoga serves many purposes, and more and more athletes have begun to embrace yoga to improve their flexibility, balance and strength. While yoga does not require much in the way of supplies, yoga enthusiasts do need yoga mats and clothing that allows them to perform the various poses a typical yoga session demands. Holiday shoppers may even want to buy the athletes on their lists a few sessions at their nearby yoga studios in an effort to supplement their existing workouts. Many who try yoga often find it has a positive effect on their normal workout routines, so even if your favorite athlete has never tried yoga, he or she might find it’s just the thing to take his or her workout to the next level.
CITY NEWS • NOVEMBER 2013
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NOVEMBER 2013 • CITY NEWS
Gifts no outdoor enthusiast can resist
Unique gift ideas for the family
loved one’s valuables are fully protected on rainy treks through the forest. • Water filter: Drinking straight from natural water sources may seem like a genuinely adventurous thing to do, but it’s genuinely dangerous as well. A hiker’s water filter greatly reduces his or her risk of suffering illness after drinking water tainted with bacteria such as E.coli. Even the most serene streams or isolated rivers can contain harmful bacteria, so a portable water filter is a necessity.
• Compass: Many of us have grown to rely on our smartphone apps to get us from point A to point B. While such apps may do the job when we are near cell phone towers, phone signals are often less reliable in more remote locations, such as forests and national parks. A reliable compass is all one may need to make his or her way through the wilderness.
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he great outdoors is even greater when you’re prepared for all of the things Mother Nature can throw your way. Holiday shoppers with a person who enjoys the outdoors on their shopping list can turn this holiday season into a truly joyous occasion with the following gifts tailor-made for tackling the great outdoors. • Folding kayak: Kayaking is a great way to take in the great outdoors, but not everyone has the room at home to store kayaks when they aren’t being used to traverse nearby waterways. Those who live in apartments, condominiums or smaller homes with limited storage may appreciate a folding kayak, which can be stored in a closet or beneath a bed and put together in a matter of minutes. Folding kayaks that can be stored in vehicle trunks and quickly assembled once you arrive at your kayaking destination also can save kayakers money on roof racks for their vehicles.
• Waterproof backpack: A good outdoor person knows never to leave home without a waterproof parka, but what about his or her backpack? A waterproof backpack protects valuables, including cell phones, cameras and tools, from the elements. Look for backpacks with waterproof zipper systems to ensure your
• Hot dog roasters: No trip to the great outdoors is complete without roasting some hot dogs over an open flame. But far too many hot dogs have been lost to the fire thanks to traditional campfire forks that don’t provide adequate hold as hot dogs cook over an open flame. Curly hot dog roasters wrap around the hot dogs, snuggly holding them in place as the franks cook.
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passion for traveling leads many people to go abroad and experience other cultures or explore the sites closer to home. Those with an avid traveler in their midst can tie into this love of exploring and give travelthemed gifts. Gifting the family globetrotter is not always easy, however. Travelers tend to bring home mementos of their trips and make it seem as if they already have everything they need. Gifts purchased at the local store may seem to pale in comparison to more exotic trinkets. But gifting travelers doesn’t have to be difficult. The following gifts should make great gifts for your favorite adventurer this holiday season.
• Travel journal: Many people love to document their trips, describing journeys to exotic locales or simply a family trip to a nearby campground. Travel journals make great gifts for those travelers who want more than just visual memories of their trip. Be sure to buy a journal that’s sturdy enough to handle all the bumps and bruises that accompany a nomadic lifestyle. Leatherbound or hardcover journals should suffice. • Travel kit: Travelers know the value of a good travel kit, which can help them freshen up during long layovers at the airport or once they arrive at their destinations. In addition, a travel kit allows travelers to pack some of the comforts of home, such as moisturizer, shaving gel or a particular type of toothpaste, that might not be readily available at their destinations. When
Holiday shoppers have a number of travel-themed options at their disposal when finding the right gift for that special someone who loves to travel. gifting a travel kit, place some of those favorite products, such as travel-size mouthwash or some luxury moisturizing creams, inside the kit for a special giftwithin-the-gift.
• Noise-cancelling headphones: A set of noise-cancelling headphones is a gift no globetrotter should go without. These headphones reduce ambient noise and can make it easier to doze off comfortably on a flight or to enjoy a music playlist while sightseeing in a busy city.
• Maps: Domestic travelers may be able to rely on their smartphones for directions, but overseas travelers may need to keep their phones off when traveling overseas to avoid heavy surcharges. In such instances, maps make great gifts, especially if you find out in advance where your special traveler will be visiting next and gift a map of that particular locale. • Gas card: For some, the joy of travel stems from getting behind the wheel and hitting the open road. If that’s true of your favorite travel aficionado, consider a gas card that can alleviate some of the cost of his or her next trip. Gift cards to filling stations can be purchased in just about any denomination, and your loved one will appreciate their free pass at the pump on their next road trip.
Are cash
CITY NEWS • NOVEMBER 2013
gifts tacky or ideal?
W
hen faced with a gift list a mile long and no idea what to get certain individuals on that list, many holiday shoppers opt to give cash as a present. Cash gifts are easy, one-size-fits all and no one will request a receipt to return a cash gift. Still, some people are not quite sure if it is socially acceptable to give a gift of cash.
There are many pros and cons to giving cash as a gift. Once a person weighs the advantages and the disadvantages to giving cold hard cash as a gift, then he or she can decide if cash is an ideal present or one that’s best avoided.
Advantages
One of the advantages to giving cash is it eliminates waste. Unlike gifts that will never be used and simply take up space, cash will be used sooner or later. How often have you received a sweater you won’t wear or a trinket you won’t use? Sometimes people return these gifts, but very often they get relegated to a pile of belongings that will end up in the garbage
or stashed in the back of a closet. Cash eliminates this waste by giving a person the opportunity to buy exactly what he or she wants. Cash gifts may be ideal for older people to give because they have limited mobility and cannot get out to the store to shop for presents. And grandparents unaware of the latest trends can give cash in a card and instruct grandchildren to purchase something they like. Some people overextend themselves during the holiday season, and a cash gift can soften the blow of holiday spending. Cash is very portable, which can make it easier for those who travel for the holidays to avoid shipping costs or extra baggage fees to take gifts on airlines. People are inundated with a lot of stuff already, and a cash gift might be just what the doctor ordered.
Disadvantages
Cash gifts may be considered impersonal and lacking in creativity. It does not take much effort to stash a dollar amount inside of an envelope and present it, so gift recipients may question their relationships with gift givers who give cash. For many people, the excitement of the holidays has a lot to do with seeing a giant pile of gifts waiting to be unwrapped. Gifting cash removes that excitement of presents under the tree. Although items can be purchased later on, the immediate gratification of tearing through boxes and bags simply is not there. Some people find it awkward to receive
cash because the value of the gift is right there in black and white. It puts both people on the spot and may create some uncomfortable moments if the value of a cash gift does not match up to what the cash recipient spent on the cash giver. When gifting standard gifts, many people are unaware of what the other spent and if the item was purchased on a discount. If you gift with cash, there is no hiding the value. Another disadvantage is if a person gives cash and receives cash in return. Do the two gifts cancel each other out? What if the amounts are different? Dealing in cash alone can be awkward. There are ways to make giving cash a little more acceptable. If you get creative when handing over the money, this may take away from the fact that cash does not make a very dramatic gift. • Try pairing the cash with a wallet or purse to make the presentation a little more interesting. • Send the recipient on a scavenger hunt for the money, writing clues and hiding them around the house. • Create a money tree or wreath that displays the cash in an interesting way. • Fold bills into bows or tape together to make wrapping paper for a small token gift. • For children, roll up bills and put it into a crayon box or pencil case. • Fill up a large box with a lot of filler and hide the cash inside of a smaller box tucked inside.
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NOVEMBER 2013 • CITY NEWS
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10 Unique
Louisiana gift ideas!
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e’ve put together a list of 10 unique Louisiana items that are sure to please. Whether it’s for holiday shopping or getting the perfect souvenirs for all the loved ones, check these off the list! f you’re shopping for a member of the Whodat Nation or an LSU Tiger fan, look no further than Storyville. Their original T-shirt designs are famous around the country! xtraordinary women deserve extraordinary jewelry! Mignon Faget has been designing distinctive silver jewelry in New Orleans since the ‘60s. Any lady on your list will love a Fleur de lis necklace from one of her collections.
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E
ooking for a gift for the hardto-buy-for foodie? Check out the amazing selection of Louisiana culinary products at Cajun Grocer. While you’re there, don’t forget to order a Turducken for your holiday feast! hopping for someone with a love of Acadiana and an appreciation for art and whimsy? George Rodrigue’s Blue Dogs are available in paintings and prints to accommodate any budget. ooking for the perfect gift for the man who has it all? How about the gift of R & R with an offshore fishing trip to Venice?The crew at Venice Offshore Charters can handle everything! ho doesn’t love pecans? A tasty treat from New Iberia’s Cane River Pecans is sure to put a smile on your loved one’s face — even if they are the hardest nut to crack! hreveport’s Zombee Candle 100% soy candles come in some unusual scents you’d only find in Louisiana. Our favorites include Zydecocoa,
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CITY NEWS • NOVEMBER 2013
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ndulge the coffee lover in your life with a gift pack from Louisiana’s favorite brew, Community Coffee. Choose from standard or seasonal roasts. Even enroll them in the coffee-of-the-month program! or a year-round taste of Louisiana, a copy of Marshes to Mansions is the perfect gift. This Junior League of Lake Charles cookbook is chock-full of unforgettable Southwest Louisiana favorites! f you are still looking for some more ideas, check out some more souvenir recommendations and start shopping! The streets of Louisiana are perfect for finding one-ofa-kind items! See more at: http:// www.louisianatravel. com/10-louisiana-giftideas#sthash.HftkGeD0. dpuf
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16
NOVEMBER 2013 • CITY NEWS
Prevent identity theft during the holidays
A
s the holiday shopping season approaches, consumers are once again preparing to do a significant amount of their holiday shopping online, while many others will rely on debit and credit cards to make their in-store purchases. Though banks and online retailers have made holiday shopping easier in many ways, that convenience has also made shoppers more vulnerable to identity theft.
The hectic nature of the holidays season can make it harder for holiday shoppers to recognize if their personal information has been compromised. As a result, many men and women do not realize that they have been victimized by identity thieves until after the season has come and gone. According to the Federal Bureau of Investigation, identity theft affects
10 million Americans each year, costing individuals and businesses $52 billion. But
Americans aren’t the only ones at risk of identity theft, which can victimize holiday shoppers whether they’re shopping at the nearby mall or from the comforts of home. When shopping this holiday season,
shoppers should consider the following safety measures to reduce their risk of identity theft.
• Confirm the legitimacy of online retailers. Many online scammers masquerade as legitimate businesses. Some may even steal logos or information from real businesses to make their scam appear more legitimate. When shopping online, stick to well-known retailers or verify with the Better Business Bureau or another watchdog organization that a Web site is operated by a reputable business. • Check for a secured browser. Reputable online retailers encrypt their customers’ personal information. Look for a “locked” icon on the browser before entering payment information, or check to see if the URL has an “https” prefix, which means the site is secured. • Beware of credit card skimmers. Skimmers are devices that read the information on the magnetic strip of a credit or debit card. Some are planted on ATM machines or self-service kiosks at stores. They can be hard to detect. Certain skimmers can even skim the information off a card while it is still in a
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wallet or purse. Some devices can block the capture of signals from the cards. But even consumers who have such devices should still check their bank and credit card statements to determine if their cards have been skimmed. • Promptly check credit and debit balances for accuracy. Routinely check purchases against the records of credit card companies and banks. Log into online accounts to verify any purchases and report any inaccuracies immediately. Recognizing fraudulent activity early on can help consumers recover their money quickly and prevent any further problems. • Opt for credit over debit. Credit cards come with zero liability policies, which means consumers will not be held responsible for fraudulent purchases. Debit cards do not always offer the same level of protection, and debit cards linked directly to a bank account could put consumers at greater risk.
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• Keep receipts. Being cautious with receipts doesn’t just facilitate potential returns. Receipts often include a lot of personal information, including the shopper’s name, signature and credit card number. These receipts could be the doorway to identity theft. • Password protect everything. A lost smartphone or tablet could provide a thief with a lot of personal information if it is not locked down with a password. Also, always use a secured wireless signal when shopping online or accessing personal account information. • Don’t carry extraneous information in a wallet. A lost wallet is less problematic when it isn’t filled with scores of credit cards and a social security card. Consumers should limit the amount of personal information stored in their wallets.
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CITY NEWS • NOVEMBER 2013
Avoid the hidden costs of online shopping
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nline shopping saves shoppers the trouble of waiting in long lines while offering the convenience of aroundthe-clock hours. With a few clicks of the keyboard or scrolls on a tablet, shoppers can typically find just about any product or service they desire. But additional fees and service charges that can quickly accumulate also are a part of online shopping. However, shoppers can mitigate such costs by identifying potential fees and learning how to keep them manageable.
Shipping
Shipping costs are a burden to online shoppers. Even when prices are low, shipping costs can offset those savings, especially for last-minute shoppers forced to select overnight or two-day shipping. Before completing checkout, check the
estimated shipping costs to determine
Hidden fees can offset the benefits of shopping online. what the final cost will be. Avoid retailers who charge high fees or limit your shipping options. Watch for specials that advertise free shipping, and stick with retailers that offer free or reduced shipping on particular
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days or times, then do the bulk of your shopping during those discounted periods. Some retailers offer free shipping to a store location. This affords consumers the convenience of shopping online without the added cost of having merchandise delivered to your home.
Poor return policy
Before buying any items online, familiarize yourself with the return and exchange policies of the retailer. Although many sites post sizing charts and dimensions for furniture and other products, sizing mistakes can be made, and you may be responsible for the shipping costs when returning or exchanging items. Shop with retailers who have lenient return policies, including accepting exchanges or returns at area stores. Otherwise, rely on companies that include return labels and take care of the cost of exchanges.
Restocking fees
Read the fine print when shopping online. Although rare, some retailers charge a restocking fee for returned items, particularly electronics. This fee may be 5 to 20 percent of the purchase price.
Identity theft
The potential for identity theft is another concern when shopping online. Reputable retailers employ security measures to
safeguard shoppers’ personal information. Encrypted data, identifiable by a “locked” icon on the check-out page, protects billing information from hackers. Although no system is entirely impenetrable, encrypted sites are generally safe. Never enter personal information unless a site is encrypted. It will cost you time and maybe even money to refute fraudulent purchases, and such issues may negatively affect your credit rating, even when they’re not your fault.
International fees
Shopping online puts you in touch with global retailers. Purchasing from around the world may be easy, but navigating currency exchanges and other fees can be difficult. International sites may list the prices of items at their currency rate, so what seems like a good deal may be anything but. What’s more, some shoppers may incur duty fees when accepting items from other countries, particularly if the value of the product is high. The Internet may be a good place to buy items at attractive prices from the convenience of home. However, shoppers should be aware of any hidden charges that can offset the benefits of shopping online.
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NOVEMBER 2013 • CITY NEWS
Frugal gift
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• Glass jars: Use mason jars when wrapping smaller gifts, including gift cards, to give them an arts-and-crafts feel.
• Fabric gift bags: If you’re handy with a needle and thread, sew sacks out of leftover fabric to make gift bags of various sizes.
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oliday shoppers spend billions of dollars each year on gifts for friends, family and coworkers. But holiday shoppers also spend substantial amounts of money dressing up those gifts with bows and wrapping paper. Shoppers may not want to spend much more on wrapping paper, bags and other ways to dress-up their gifts, and by employing a few tricks of the gift wrapping trade, they may not have to. The following are some frugal, yet flashy, ways to wrap presents this holiday season. • Children’s artwork: Over the course of a school year parents can accumulate dozens of original pieces of art from their children’s time in the classroom. Instead of relegating those pictures to a memory box or temporary glory on the refrigerator, turn them into unique gift wrap. Pair these pieces of art with colored ribbon, and everyone who gets a unique masterpiece will feel special. • Newspaper: Recycle newsprint and comics into wrapping paper. Encourage everyone to wrap in newspaper for a cohesive look come Christmas morning.
• Cloth: Leftover cloth from Halloween or cloth purchased to create homemade curtains can be turned into giftwrap for awkward-shaped gifts. Use decorative ribbon to seal the bundle shut.
• Brown paper: Brown paper tied with twine or ribbon is inexpensive and can easily be recycled after use. Use a marker to put the names of gift recipients on each package to save on gift tags as
• Cookie tins: Find unique cookie tins from yard sales or leftover tins from holidays past and use them as gift boxes.
• Recipes: If you will be giving a cookbook or food-themed gifts, print recipes that can be used as gift wrap and then later used to make certain dishes. • Baby linens: From blankets to wash cloths, use baby linens to wrap infantthemed gifts for new parents.
• Baskets: Wicker baskets are available in various shapes and sizes. They can be used to make a gift collection and then reused over and over again.
There are many creative and inexpensive ways to wrap gifts this year instead of relying on preprinted and often expensive wrapping paper.
19
CITY NEWS • NOVEMBER 2013
e il sm It’s Almost
Christmas!
Wishing all of our friends and neighbors, a picture-perfect holiday season. Your friendship and support make us look good, THANKS!
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20
NOVEMBER 2013 • CITY NEWS
‘Tis the season for shipping
gifts
Sending Warm Wishes Your Way —And hoping the holiday delivers a bundle of glad tidings to you and yours. We’re always glad to serve you and we thank you for choosing us.
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ravel is a staple of the holiday season. Many men and women find themselves spending a significant amount of time in the air or on the road, whether traveling to visit family or embarking on a holiday getaway.
For those who must fly to their holiday destinations, travel can present certain obstacles, as baggage restrictions and fees have made it more difficult and more expensive to travel with gifts in tow. But savvy holiday shoppers need not worry about fitting all of those gifts into their overstuffed luggage. Shipping gifts is a far more convenient way to get all those precious presents from point A to point B, and it saves travelers money on airline baggage fees. When shipping gifts this holiday season, consider the following tips. • Use the right box. Boxes come in all shapes and sizes, and there are packing methods to ensure gifts arrive intact. The gift should not have much wiggle room inside the box, as the more the gift can move around the more likely it is to break. Gently shake the box before closing it, adding any padding if the gift is moving around too much, otherwise move the gift to a smaller box. A box also should not be too small, as it may break before reaching its destination. • Wrap each individual item. When shipping holiday gifts, it’s often most convenient to include several items in one large box. When doing so, wrap each item separately in air-filled wrapping or newspaper. This reduces the risk of items breaking during shipping. • Line the interior of the box with a garbage bag. A garbage bag lining along the inside of the box can help to prevent
potential water damage from rain, snow or other leaky packages.
• Tightly tape the box. Once items are inside the box, be sure to use professional packing tape. Though there are cheaper alternatives available, professional packing tape is far more likely to hold up as the item travels from your home to its ultimate destination. Low quality tape could split or tear, resulting in a situation where boxes break open and items fall out.
• Pay attention when reusing boxes. Reusing boxes is a great way to benefit the environment when shipping holiday gifts, but carefully examine the box before shipping it. Old labels and bar codes should be removed so packages ultimately end up in the correct destination. In addition, check any boxes for wear and tear before reusing them. Avoid using any boxes with previous water damage or tears.
• Double check addresses. Before shipping items, double check the address, making sure the name, address and ZIP code are correct. Confirm the information with the recipient as well. Be sure to write the address and full ZIP code in the method the shipping company requires to ensure prompt delivery. • Include an extra mailing label inside the box. Inclement weather is common come the holiday season, and some packages may fall victim to the elements. In such situations, shipping labels can be compromised, and some shipping companies have admitted they will open the box to look for a backup label if the exterior label has been soiled. Include an extra mailing label inside the box as a backup plan.
CITY NEWS • NOVEMBER 2013
The etiquette
Need a LastMinute Gift?
of exchanging gifts with coworkers
M
any offices host a gift exchange during the holiday season. Professionalism should always be a top priority when gifting coworkers, and some men and women may want to brush up on gift-giving etiquette before exchanging gifts with fellow employees. Long before any gifts are exchanged, research your firm’s policies on gift-giving. An employee handbook or a visit to the human resources department is a good place to start. When in doubt, inquire among more seasoned workers. Many companies put dollar limits on gift values, while others have strict policies forbidding such exchanges, as it’s easy for gifts to create discomfort around the office or give the impression of favoritism. Gift exchanges also depend on the relationship between employees and their supervisors. Close, friendly relationships may warrant gift exchanges, especially if everyone else is on board with the idea. Gifting a boss is not necessary, but employees who have a close working relationship with their supervisors may want to purchase a professional gift to indicate their appreciation of a supervisor’s support. These can include picture frames, gloves, scarves, books, and personal interest items. Steer clear of personal gifts or ones that can be taken the wrong way. Inappropriate gifts should always be avoided. Decorative gifts that do not
We’ve got you covered with great ideas for every occasion and every budget. Unique gifts for him, her & home; premium greeting cards & gift wrap. focus on any particular religion or holiday, inspirational books, calendars, plants, and publications that cater to a particular interest likely won’t raise anyone’s ire. However, self-help gifts, perfumes, lotions, or overly personal gifts may give recipients the wrong impression. While homemade foods were once popular gifts, many companies now discourage such gifts because they may trigger various food allergies. Gift cards tend to be universally acceptable, but only when they do not exceed the agreed-upon spending limit. Grocery store gift cards can help employees offset some of the costs of entertaining, and gift cards to popular department stores may help offset holiday spending. Whenever any giving between coworkers takes place, care should be given to ensure all the gift values are equivalent. Coworkers who are especially close and want to give a more meaningful gift should exchange those gifts on their own time and not during office hours. Tenure can also dictate gift-giving. Employees who have been with their companies longer than their coworkers may receive a more personalized gift. Employees who receive gifts from their bosses should not feel obligated to reciprocate. Employees should also keep in mind that personal thank-you notes are courteous, professional and appreciated.
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NOVEMBER 2013 • CITY NEWS
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Gift returns done right
G
ift returns are inevitable come the holiday season. No matter how much thought shoppers put into gifts for their loved ones, chances are someone is going to return one of those gifts. Clothing may not fit or a gift might be a duplicate, while other gifts simply don’t tickle a recipient’s fancy. But returns should not be taken as a personal slight, and men and women can take steps to make the process of returning gifts a lot easier.
Givers
There are many ways to facilitate the process of exchanging gifts or making returns, including finding a gift that is less likely to be retuned. In a survey for the popular department store Kohl’s, researchers found that clothing, items for the home and beauty and fragrance items were the gifts most likely to be returned. So shoppers may want to avoid such gifts this holiday season. Another way to make returning or exchanging gifts easier is to make note of the policies governing such returns and exchanges. Such policies are often posted near checkout areas and are outlined on the back of printed receipts. Before embarking on a shopping trip, shoppers can visit a retailer’s Web site and familiarize themselves with its return policies. If rules are unclear, ask an employee. Shoppers also can shop at stores that allow consumers ample time to return or exchanges gifts. This allows your loved ones to return or exchange a gift when it’s most convenient for them. Many retailers have recognized the advantages to having more liberal return policies. A recent survey by
ConsumerWorld.org identified which retailers have made changes and which have maintained the same return policies. Amazon, Best Buy, Costco, Kohl’s, Marshalls, and TJ Maxx were found to be the retailers with the most generous regular or holiday return deadlines. Choosing retailers with more lenient return and exchange policies can make things easier on your loved ones.
Shoppers also should include a gift receipt with gifts. This shows recipients that you have their needs in mind and want to make the process of exchanging or returning a gift as easy as possible. Without a receipt, recipients may not get the full value of the item at its time of purchase and only get credited with the current price of the item. Prices are often slashed in the days following the holidays. Many stores have become more stringent with their return policies in an attempt to avoid fraud. As a result, receipts are essential because without a receipt stores cannot verify purchases or issue a refund or exchange. Certain stores will allow a certain number of returns without a receipt, but these are carefully recorded and linked to a shopper’s driver’s license number. This makes it easier for retailers to monitor serial returners. Some retailers even refuse returns without receipts.
Recipients
Try to make returns during less busy times of the day. Long lines at the customer service counter are commonplace in the days after Christmas. Check the receipt for the return deadline, and try to wait at least a week or two after the holiday rush is over, eventually visiting the store in the early morning or late evening when crowds typically have thinned.
Returns for online purchases may be challenging. Some retailers allow returns at their brick-and-mortar stores, while others require consumers to mail back the item. Some stores will only offer store credit instead of a cash refund or replacement of funds on a credit card. Online returns may require the help of the person who gave you the gift.
CITY NEWS • NOVEMBER 2013
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