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thEvery autumn we’re urged to change the batteries in our smoke detectors when we change our clocks back to Standard Time. Those batteries might be just fine, but why take a chance?

I propose another ritual, one that should be observed at both the spring-forward and fall-back time changes: Checking in with your personal financial goals.

Some people are organized enough to revisit their PF wish lists regularly. Some aren’t. If you’re in the latter group, the twice-annual clock change could be a good time to open the ledger.


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thHeading to your family of origin for turkey day? Or going somewhere as un-familial as possible?

Either way, it’s irritating to have spend big bucks for teeny-tiny toiletries in order to satisfy the Transportation Security Administration.

Thus I’m offering yet another TSA-friendly travel kit, in plenty of time to receive it before your long Thanksgiving weekend trip with a carry-on bag.


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thIf you’ve got a face made for radio or a body that doesn’t fit Madison Avenue’s image, you may feel that you’re not getting a fair shake. And you may be right.

For example, tall people earn more than shorter ones. Overweight men earn less (and overweight women earn a lot less) than non-obese coworkers.

And this one really frosts me: A Harvard University study indicates that women who wear makeup are seen as “more trustworthy and competent.” Hey, not all of us want to put on war paint each day.

Unfair, but true: How your looks affect your pay,” on Money Talks News, discusses the ways bosses can legally discriminate against you.

Sometimes those ways are pretty ridiculous. One employment law expert has heard from people who got canned because supervisors didn’t like their shoes. Seriously.


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thWhen it comes to things that go bump in the night, poltergeists have got nothing on underfunded retirements.

According to a new survey from MoneyRates.com, 79 percent of respondents have had a specific “financial scare” in the past and 87 percent have money fears about the future.

Of those 87 percent, the top fear is not having enough for retirement. Some other fears:

Debt: 31 percent have had credit-card balances or other bills they could not pay off immediately.

Carelessness: One in 10 admit to having forgotten to pay a bill, thus incurring late charges.

Bounced checks: Three times as many men as women say that an NSF situation was their worst financial scare.

The underlying theme of many of the fears cited? Not having enough money to build an emergency fund, says study author Richard Barrington.


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A misstep in Manhattan.

thThe good news: I was reminded how nice New Yorkers can be. The bad news: I had to take a monumental fall near 31st and 7th to rediscover this.

I mean a full-tilt, face-down, wind-knocked-out-of-me fall. Damn curbs.


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