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Why do people shop?   Is a response to some inner need to spend money (even if they shouldn’t be spending the money)?   Do they actually want to make some sort of statement (be it some sort of fashion statement or other)?    Should price and/or quality make that much of a difference of what is sought or to be purchased? Is a brand name or designer always better?    Why would someone settle for a knock-off of an item? It can be an insight to the person let alone personal style and values.   But sometimes, I think, that bigger or more expensive isn’t always better.    There are those that settle for even a knock-off (a fake Louis-Viton, Fendi, etc.)  Know deep down they have “a designer” but for far less than what the original costs while the expert can spot a fake barely a mile away.

saldi_1A retailer or shop is a business that presents a selection of goods or services and offers to sell them to customers for money or other goods. Shopping is an activity in which a customer browses the available goods or services presented by one or more retailers with the intent to purchase a suitable selection of them. In some contexts it may be considered a leisure activity as well as an economic one.  The shopping experience can range from delightful to terrible, based on a variety of factors including how the customer is treated, convenience, and mood.  The shopping experience can also be influenced by other shoppers.    A report that came out in 2000 asserts that women purchase 80% of all consumer goods and influence 80% of health-care decisions.   But this begs the question how well informed and educated are these women on the things to purchase?   Many times when a woman goes shopping either by herself or with a family member or friend a sales person will stop at nothing to make the sale, even resorting to sneaky or underhanded methods.  And the consumer may not know what they walked into and leaves feeling that they have gotten the best price for something they want.  Doing your homework prior to going out looking for something is important otherwise you can get taken.

I believe in shopping around, comparing prices to get the correct thing at the best possible price for what I am looking for.   Even if it 625441_455477997806047_52601728_ninvolves “Window shopping” at first.    This refers to the browsing of goods by a consumer with no intent to purchase, or to plan a later purchase.   Something I was taught by my parents, and I believe true today is that if you want something bad enough (like a radio, television, etc.), you should put the money away for it.   A child could always save money from their allowance, earn money by babysitting, rake leaves, shovel snow, offer to help neighbors, do chores and so much more.

But why with money, does it necessitate to have the most expensive or luxury items?   Is it to say “look at me, I can afford the best “or are you saying something else?   Having money and good taste aren’t always the same thing.

Something that can be enjoyable and fun to so be fairs and markets which have a long history that started when humans felt the desire to exchange goods and services. People would shop for goods at a weekly market in nearby towns. Then shops began to be permanently established. Shops were specialized, e.g. a bakery, a butchery, a grocer. Then supermarkets appeared.   Sometimes peddlers and ice cream trucks pass through neighborhoods offering services and goods.

 Even yard sales, farmer’s markets, and estate sales have been growing in popularity over the years.    They also a good way to get quality items at a substantial savings for the consumer, but the buyer has to be open to what is being offered and not just say “I don’t care what is being sold I will buy anything.”   It takes a great deal of time, effort and patience to find just the right thing.

Stores are divided into multiple categories of stores which sell a selected set of goods or services. Usually they are tiered by target demographics based on the income of the shopper. They can be tiered from cheap to pricey.

etichette-filo-cartellino-pistola-calabroneWhy the need to have a “label” on items?   Is it a status thing or just a way to show how shallow a person can be?  I’m not knocking good quality or name items, but I find it difficult to enjoy having something so nice, when one can afford things no matter what the cost and others among us have to struggle for everything they have or hope to get.  I have excellent taste (and have many good quality things such as Waterford Crystal and Lenox) and appreciate the finer things, but that doesn’t mean that I have to have a mansion or some high priced home to show-case things and flaunt things.    It can be better to get good quality for a fraction of the cost even if it is not top name designer (or find good quality at reduced prices at a discount or outlet store).

Some shops sell secondhand goods. Often the public can also sell goods to such shops. In other cases, the public donates goods to negozi vintage a londra rockthese shops, commonly known as thrift or charity shops.   Consignment, thrift or charity shops are excellent places to find good merchandise, while helping out the community.   In antique shops, the public can find goods that are older and harder to find.  Shopping frenzies are periods of time where a burst of spending occurs—typically near holidays in the United States, where Christmas shopping is seen as biggest shopping spending season, starting as early as October and continuing until after Christmas.

Some religions regard such spending seasons as being against their faith and dismiss the practice.   It gives a new meaning to making homemade items to give as gifts.   Many question the over-commercialization and the response by stores that downplay the shopping season often cited in the Christmas controversy or war on Christmas.

Kathy Kiefer



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The importance of monitoring their investments and follow them constantly with a good consultant


In a day and age when banks are merging or even closing down, it is hard to fathom an institution that gives customers a terrible time when it comes to investing their money and ultimately wanting to either withdraw or transfer their funds somewhere else where they could get a far better return on their investment.    I also feel this can be said of credit unions (a slightly different type of banking institution), where management might be sneaky and try to trap you into keeping your investment with them even if it’s in your best interest to move the investment elsewhere.

But you might ask (if you didn’t know already) what is a credit union?   One financial institution is non-profit and very much involved with the local community, while the other has to maximize their fees to please stockholders and other investors.

But can any banking or financial institution be totally trusted with any type of account that one could have or even fathom having?images           I have my doubts about this.    From personal experience I have been given bad information regarding an account and the investments that were started with my funds.     I had been led to believe that I could access the money if needed and move it somewhere where it could earn a greater return on the investment.    But in reality I am not able to even move the money until when it matures at different times.   Otherwise if I were to do anything now, I would get hit big on taxes…  That is what I am being told. And I don’t believe this is sound business advice.    I think that if you find a place where you get a better return on the investment you should be allowed to move the funds there without fear of any sort of penalty regardless of  what the original location might tell you.

AmericasCreditUnionsFor example, the credit union’s philosophy promotes thrifty saving that can improve the lives of its members. They are usually owned locally and consist of people from local employers, churches, schools, and communities. However, a commercial institution is far different, since their focus is state-wide and they commonly aim for national customers to achieve profitability and meet their goals.

They would have you believe that it’s good to belong to one because they offer many perks and they aim to please (not always true). You might find a better interest rate than at a commercial institution.

In addition, the differences also matter when it comes to the principles of each bank. It may be hard to find a free account today, but the community establishments seem unchanged and they offer more savings. It’s good to shop around, but its best to join one if you can.   Another difference is that you might find a lower interest rate with a credit union.

When a person is seeking to open an account at either type of institution it is always wise to shop around, do your homework to find out1d_pgvzB63n-f03q7RwM1Tl72eJkfbmt4t8yenImKBVaiQDB_Rd1H6kmuBWtceBJ which is the correct place for you depending on what services the institution offers.  And not just be taken in just because the bank is convenient for you or because someone you know might be happy with the bank.    As the saying goes ‘buyer beware.”   There are hidden charges or fees that you might not be told of when setting up an account or checking out bank charges and find out only when it is too late at either place of business that you have been ripped off  (in a manner of speaking).   And if you dare to confront the bank on the charges they try to back-peddle and inform you that you were informed at the time the account was set up which is not always the case.

Even if you have an account open that could be classified as a fund for retirement or other and the interest rate on them are low, they should be allowed to be transferred somewhere so that the return on the investment would be greater and the person not given grief over wanting to move the account before the investment has matured.    I know that for a fact that with a financial institution where I had trusted funds years ago based on the recommendation of someone rather knowledgeable (and has since passed away) and the particular institution is proving difficult in giving me access to the money which is rightfully mine so that an effective transfer to higher yield account somewhere else can be done.

1328885231_invest_1I would venture to say to take someone with you, such as a lawyer or a person you trust that is very savvy in the world of finance so that you would receive the best advice possible prior to making any rash decision or get backed in to a corner before making any final decision.   This way your money is protected and you are able to get the best return on your investment.   I am fortunate now, as I have someone trusted and extremely knowledgeable in this matter helping and guiding me.   I am more confident now than before that with this expertise/guidance that I have found, I will be much more successful than I ever dreamed of.


It is also becoming more and more apparent that many people that are involved in the banking and/or financial institutions today really image.1403178613have no business working there as they lack the proper scruples, training, knowledge and so much more.  Yes, there are some good, decent people in this industry, but on a whole far too many of them go into this profession and take advantage of the weak and vulnerable among us in order to make a profit and will stop at nothing to continue to exploit the least among us (including those that come from other countries and may not be able to fully understand the language or what they are being told).


Kathy Kiefer