Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

Insurable Interests was created by The Bensman Group and Osmosis Digital Marketing. Neither The Bensman Group nor Kestra IS nor Kestra AS are affiliated with Osmosis Digital Marketing.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 13, Issue 5January 2018


The Right Time to Buy

Thinking ahead could save you a lot of money throughout the course of a year. Purchasing certain items when you least need them can lead to lower price tags. For example, few people are thinking about bikes in January or swimsuits in September. When January rolls around, most people are packing up their Christmas decorations instead of going out to buy more. But those are when some of the best prices are available, as merchants try to get rid of the old season’s merchandise to make way for the new.

On the other hand, you can find bargains on things that are going to be extremely popular, but only briefly – think tax preparation software in February or raincoats in April. And when a company introduces a new model – such as a car, appliance or electronics -- you often can get big savings on the model it’s replacing.

And some things, such as produce, are least expensive when they are most plentiful near you.

Business Insider offers the following list of what bargains to look for in every month.


  • Bicycles
  • Pools and hot tubs
  • Men’s suits
  • Christmas decorations


  • Cameras
  • Prom dresses
  • Tax preparation software
  • Broadway tickets


  • Perfume
  • Chocolate
  • Frozen foods
  • Luggage


  • Tropical vacations
  • Flea market items
  • Raincoats


  • Mattresses
  • Spring clothes
  • Barbecue supplies
  • Athletic apparel


  • Lingerie
  • Textbooks
  • Laptops and other school supplies


  • Bottled water
  • Furniture
  • Fresh fruit
  • Air conditioners


  • Flip flops
  • Patio furniture
  • Grills
  • Plants and flowers


  • Swimsuits
  • Wine
  • Sunglasses


  • Car leases
  • Jeans
  • Camping gear
  • Bushes, trees and bulbs


  • Halloween candy
  • Cookware
  • Wedding dresses
  • Electronics
  • Major appliances


  • Apartment lease
  • Boats
  • NFL tickets
  • Premium tickets to Europe

    This article was created by Osmosis Digital Marketing for use with permission by The Bensman Group.

    Photo © Saphire Ovadia |

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