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Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
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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.

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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. 10, Issue 12September 2015


DIY Halloween Costumes

Halloween has become really big business. In 2014, Americans spent more than $11 billion, or more than $100 per family. A big chunk of that money goes to costumes. So before you shell out big bucks to outfit your kids or yourself, consider a do-it-yourself approach.

Of course, if you are handy and/or creative, making your own costumes is likely to be easier. There are lots of ideas online, ranging from basic to elaborate. If you are making a costume for your child, involve the child. Encourage the child to be creative, to have a one-of-a-kind costume. Spend some time brainstorming about ideas for a costume and how you might be able to make that costume together.

Start with things you have lying around, or things for which you might have a use later on. Sweatshirts and sweat pants make excellent foundations for many costumes. You can add a tail and some face paint to create several different kinds of animals. And as a bonus, face paint is much safer than a mask because it does not interfere with the child’s vision.

To help you get started, here are some tried-and-true ideas.

For babies and toddlers. First, let’s be honest: Babies are adorable no matter what. And they can’t eat candy anyway, so taking a baby trick or treating is pretty much a ruse to get more candy for yourself. Stick with something simple. For example, take a hooded sweatshirt and cut doggy ears out of felt. Sew or glue them to the sides of the hood, use non-toxic face paint to create a brown nose, and start hitting up the neighbors for goodies.

Pirates and cowboys. Perennial favorites of little boys – and big ones too. Pirates need a bandanna tied around their head, big gold hoop earrings (check thrift shops), an eye patch and a plastic sword (check dollar stores). Cowboys need jeans, a bandanna tied around their neck and a cowboy hat. You also can make a vest from a paper grocery bag; cut armholes and fringe.

Princesses. Check out your closet or a thrift shop for something frilly that could work for a dress. Use lots of “jewels” – costume jewelry and stick-ons. You can make a tiara from beads and pipe cleaners. Or fold construction paper into a cone and add a sheer scarf, then use bobby pins to keep it in place. If you add wings, your princess becomes a fairy.

Costumes for adults and teens. Older teens and adults usually get a lot of mileage out of being clever. For example, make an artist’s palette out of cardboard, put on an old coat, wrap a towel around your head and put fake blood over one ear, and go as Vincent van Gogh. Or create a costume based on something in the news or on a pun.

Finally, if saving money is your goal, make sure you don’t end up spending more on the components of a make-your-own costume than you would have spent to get one off the shelf.

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

Photo: © Elsyann |

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