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.

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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. 7, Issue 7March 2012

FINANCIAL INTERESTS

Monthly Bargain Guide

You already know that you can find serious markdowns on just about everything in January, when stores need to give exhausted and impoverished holiday shoppers a reason to head back to the mall. But you also can find bargains the other 11 months of the year.

Generally, sales are a way for retailers to clear out old merchandise to make room for the new stuff. So, according to Real Simple magazine, look for these sales each month:

February: Furniture. Most furniture designers bring out their new lines in the spring, so many furniture stores try to get rid of last year’s stock in February to make room for the new designs. Discounts can be deep – as much as 60 percent.

March: Televisions and sandals. The new TVs that made their debut at the International Consumer Electronics Show in January start shipping to retailers in March. That means you can look to save about 15 percent on the old models. Also look for sales on sandals in March. In a tribute to positive thinking, summer clothes and shoes start hitting the stores in January – and are gone by June. Sandals start to go on sale in March, with discounts of 20 percent to 30 percent.

April: Raincoats. You know what they say about April showers. But by the end of the month, the sunny days have arrived, and you can get a raincoat for up to 25 percent off.

April and May: Thrift stores. In this case, it is more a matter of selection than price. Spring cleaning often results in bonanzas for thrift stores, as people give away what they no longer want. And that means you can find a ton of bargains on everything from furniture to clothes.

May: Athletic wear and shoes. Retailer often put these items on sale in the spring to lure shoppers into sporting goods stores after a long winter of inactivity. You can save up to 60 percent.

June: Dishware. Wedding season gets even non-brides interested in their dishware, and retailers often respond with discounts of up to 50 percent. Real Simple also suggests that you should buy a full set of the dishes you like – and maybe some extras – because most patterns only are available for 12 months.

July: Home décor. These sales are also linked to wedding season, as retailers try to tempt wedding guests looking for a gift for the happy couple. You can find similar sales in September and October, which are also popular wedding months. Look for deep discounts – up to 50 percent – as well as two-for-one sales.

August: Swimsuits. You can get up to 70 percent off as stores try to get rid of the season’s swimwear.

September: Plants. September is a good time to plant perennials, and it also is a good time to buy them, as nurseries sell off their stock at discounts up to 50 percent.

October: Jeans. After the rush of back-to-school purchases, stores are looking for new ways to move jeans. The solution? Discounts up to 60 percent.

November: Pajamas and slippers. Many retailers try to encourage a head start on holiday shopping with discounts of up to 50 percent on these popular gifts. If you don’t need pjs for the holidays, look for even deeper discounts in January.

December: Outerwear. Since they are going to start stocking summer clothes in January, retailers need to move their stock of coats and other outerwear by offering discounts up to 40 percent.

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

Photo: iStockphoto.com

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