• It's that time of year again when most people start to think about Christmas shopping. Usually beginning with a mental list of who you have to buy for and what your budget is. Or if you like to throw caution to the wind, you will solely think of who you have to buy for and what you'd like to get them. If you don't want to regret the December retail therapy, it makes sense to think through budget too.

    Christmas holidays

    To keep costs under control some families set limits when it comes to present giving. In our family only the children get presents. This means that the adults save a fortune on buying each other gifts, which let's face it, people don't always want or value. They do say that the real joy of Christmas is in the giving and I believe this to be true when it comes to presents for kiddies when you see the joy on their faces with the opening of new toys or treats. It must be said though that for a number of younger children the joy is very often just in the act of opening the presents

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  • Who doesn't want more of these in their wallet?
    By Michelle Regalado, Life2PointOh.com
    How many times have you looked at your wallet at the end of the week only to find it unnervingly light, if not completely empty? When we're rushing from work to grad school and responsibility to responsibility, we inevitably end up dropping some unnecessary change in our haste.

    Whether it's impulse shopping or dropping a few dollars on some 3 p.m. pick me-up-snacks (vending machines anyone?), it's difficult to manage our hectic schedules and keep track of our money. Here are some simple changes you can make to cut down on your weekly spending. (Your wallet will thank you!)

    1. Make your own coffee.
    Giving up your daily Starbucks run might seem impossible, but put it into financial perspective: If you're spending around $4.50 a drink per day, that means you're spending a minimum of $31.50 per week or $126 per month. That's a lot of cash that you could be spending on a weekend getaway or a new outfit! Instead, try getting up a few

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  •                                        From left, Tim Davidson, Brandon Lacoff and Greg Skidmore, three asset managers from Greenwich, Conn., claim a $254 million Powerball prize on Monday, Nov. 28, 2011, at Connecticut Lottery headquarters in Rocky Hill, Conn.From left, Tim Davidson, Brandon Lacoff and Greg Skidmore, three asset managers from Greenwich, Conn., claim a $254 million Powerball prize on Monday, Nov. 28, 2011, at Connecticut Lottery headquarters in Rocky Hill, Conn.                                                                                

    A trio of wealth managers from Greenwich, one of the most affluent towns in America, claimed a Powerball jackpot worth more than a quarter of a billion dollars Monday off a $1 ticket.

    Greg Skidmore, Brandon Lacoff and Tim Davidson came forward as the winners of the $254.2 million jackpot and the trustees of The Putnam Avenue Family Trust, which they formed to help manage the money after Davidson bought the winning ticket at a Stamford gas station.

    A lawyer who spoke for the group at a news conference said they contacted him immediately after the Nov. 2 drawing and came forward after making plans for the money. He said the trust will take the after-tax lump sum of $103,586,824.51 cash and a significant amount will go to charity.

    "Obviously, everybody is extremely excited," said Jason Kurland, the group's attorney. "These numbers are huge. This is going to

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  • Photos courtesy of Tateuchi CenterWelcome to the performance space of the future: A 2,000-seat concert hall, a state-of-the-art building, and a policy that allows the audience to use cell phones during the show.

    The bold decision of the Tateuchi Center to be built in Bellevue, Washington, first reported by the New York Times, is a play for a younger, texting generation to take an interest in attending live performances.

    John Haynes, the CEO of Tateuchi Center, who is overseeing its design and construction, was given the option of putting a cell phone signal block in the performance space. He thought, "That is exactly the wrong direction to go in." For a tech-savvy audience to feel at home at an arts center, Haynes decided to not just let Wi-Fi into the space but also to allow tweeting and texting during live performances.

    Speaking on the phone to Yahoo!, the 64-year-old said, "I am convinced we can control the experience, but we can't forbid the experience." He added, "We are creating a new etiquette for a

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  • Photos from the waterlogged memory card helped identify owner
    Just how tough is your average DSLR memory card? Apparently tough enough to survive a year at the bottom of the ocean. Naturalist and aspiring photographer Markus Thompson was scuba diving in Deep Bay near Vancouver, British Columbia, when he found a Canon EOS 1000D. Curious, he brought it to the surface and took ut the SD card, and was actually able to recover about 50 photos.

    With a bounty of pictures and a desire to find the camera's owner, Thompson took to social networking for help. He posted his find to Google+, including pictures of the camera itself as well as the photos he was able to recover from the SD card. "Approximately 50 pictures on the card from a family vacation. If you know a fire fighter from British Columbia whose team won the Pacific Regional Firefit competition, has a lovely wife and (now) 2 year old daughter - let me know. I would love to get them their vacation photos," he posted.

    The social network's hive mind then went to work. Details on just who the

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  • By Farnoosh Torabi for CBS MoneyWatch.com

    Why fight the mall crowds when you can online shop from the convenience of your home (or work, as it is)? Throw in free shipping and it's kind of a no-brainer. In fact, a growing number of shoppers plan to purchase their holiday gifts online this year, with many starting today, on "Cyber Monday" - the online equivalent of Black Friday. A new survey by Shop.org estimates about six in ten workers with web access (or 76 million people) will shop for gifts from the office today.

    Five Ways to Crush Cyber-Monday Shopping
    Pregnant Women's Biggest Career Fear
    Are Some Women too Delicate for the Workplace?
    The Most Money You Can Make in 3 Hours
    Gift Cards: 4 Rules for Smart Shopping
    If that includes you, here's a cheat sheet of web-exclusive deals this Cyber Monday.

    Amazon.com

    The online retailer's "Cyber Monday Store" opens at midnight on Sunday and lasts through the end of the week. Deals Read More »




  		• Aries (March 21 - April 19)
    You're floundering through your activities today. You can't be a hundred percent effective all the time, but you know you could do a lot better than you are. It's not even a lesson learned for a change -- it's just money down the drain. Sigh.

    Today's Aries Reading: Free Sample Karma Reading


    		Taurus (April 20 - May 20)
    You're ready to break out of your role as the solid, safe, steady contributor -- but how? You get a chance to do something a bit financially daring today, and you should jump at the opportunity. It's just what you need to shake things up.

    Today's Taurus Reading: Free Sample Numerology Portrait


    		Gemini (May 21 - June 21)
    You're not radically different today than you were yesterday, but you can't help but feel slightly changed, and your appearance reflects this. It's subtle --
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  • This Salary Amount Makes People HappyThe Countess may have been right that money can't buy you class, and The Beatles were correct in that it can't buy you love, but apparently it can buy you happiness. Princeton researchers just discovered that people who make $75,000 a year report greater emotional well-being than those raking in less than 75K annually. But after hitting that salary benchmark, people's happiness doesn't increase as they get more raises, according to the two professors behind the study, Angus Deaton, Ph.D., a renowned economist, and Daniel Kahneman, Ph.D., a Nobel prize-winning psychologist.

    By Zoë Ruderman

    And that magic number is the same regardless of where you call home-even if it's a super expensive city like New York where that kind of money doesn't go as far as other regions. "No matter where you live, your emotional well-being is as good as it's going to get at $75,000," said Deaton in an article in the Gallup Management Journal. "It's like you hit some sort of ceiling, and you can't get

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  • Core strengthen while you work.

    Just because you're stuck behind a desk all day doesn't mean you can't sneak in a little exercise. From chair dips to side bends, here are just a few mini-workouts you can do right in your cube-most without breaking a sweat, but still burning those extra calories!

    Chair Dips
    This exercise tones your arms by leveraging the weight of your body to do some dips off of your chair! Before you begin, make sure you chair is stable. If you have wheels, lock them. Sit in your chair and place your hands next to your hips. Move your behind to the front edge of your chair. Then, placing your hands to grip sturdily on the front edge of the chair, pick your behind off the chair and dip it towards the ground until your elbows make a 90-degree angle. Push back up until your arms are straight. Do two sets of eight dips and let the arm-toning begin!

    Afternoon Ball Game
    Core strengthening while you sit? You betcha! Every afternoon, just replace your desk chair with a stability

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