AP NEWS

Money Talk: Dec. 4, 2018

December 4, 2018

GateHouse News Service

Lines, crowds and stress — if that describes your holiday shopping experience, you’re doing it all wrong. The cost of gifts and decorations can add up quickly, but there are plenty of ways to reduce the dent in your wallet.

Here are some money- and time-saving tips to minimize your shopping stress and get the most out of holiday sales:

Make a gift list. From your nearest and dearest to coworkers and teachers, write down everyone you need to shop for and assign a dollar amount next to each name. This will help you stay organized, and setting price limits will keep your budget on track.

Review the deals. Collect all the ads from your favorite stores and use them to create your shopping plan of attack. When the day comes, get to the store early for the best selection and savings.

Don’t procrastinate. The easiest way to overspend on holiday gifts is to wait until the last minute. Shopping at the latest possible moment adds unnecessary stress.

Follow brands on social media. Check out your favorite brands on social media, where you likely can find up-to-the-minute info on savings right in your news feed. Many companies post special promotions, news and last-minute sale announcements every day, especially during the holidays.

Don’t overlook shipping costs. An online item might seem like a steal compared to the in-store version — until you see the shipping charge. Remember to take note of any extra delivery or service fees, as well. Many retailers offer free, fast delivery on many items.

THE LIST

According to Forbes, the Top 10 ATP tour money-earners for 2018 are:

1. Novak Djokovic ($12.6 million)

2. Rafael Nadal ($8.7 million)

3. Alexander Zverev ($7.7 million)

4. Roger Federer ($7.6 million)

5. Juan Martin del Porto ($5.9 million)

6. Kevin Anderson ($4.9 million)

7. Marin Cilic ($4.7 million)

8. Dominic Thiem ($4.6 million)

9. Kei Nishikori ($3.8 million)

10. John Isner ($3.7 million)

NUMBER TO KNOW

15,000: General Motors recently announced it will cut about 15,000 jobs and several factories in Ohio and Michigan.

TECH TALK

YouTube launches discounted subscriptions for students. Students who want to enjoy YouTube and YouTube Music without advertisements can sign up for the subscription services for less. YouTube recently announced new plans for eligible students that lowers the cost of its YouTube Music Premium service to $4.99 per month instead of $9.99 per month, and YouTube Premium will cost $6.99 per month instead of $11.99 per month.

The price will be good for the duration of a students’ membership up to four years.

AP RADIO
Update hourly