Summer Date Ideas

by Jason Butler on June 29, 2016 · 0 comments

summerI’m not sure where you live at, but in Atlanta, you can tell that it’s officially summer. At the time, I wrote this article; it was 98 degrees outside. It’s not even July yet. Thankfully, I enjoy the hot weather. I know a lot of you guys, and girls like it too. Today, I want to share with you some summer date ideas.

The Beach

Since it’s nearly 100 degrees outside I figured what better, and affordable summer date idea is there than the beach. There is nothing like enjoying the sun and the waves at the beach. The closest beach to me is a little over 4 hours away. I know that some of you are much closer. I’m jealous. Grab your partner and make your way out there.

Amusement Parks

Most amusement parks open up in the spring, but they don’t get busy until the summer time. An amusement park isn’t the cheapest option, but it makes for a pretty good date. At an amusement, park couples can get on numerous rides, play games and eat. That should be a splendid time for anyone. A few popular theme parks are Walt Disney World, Six Flags, Universal Studios, and SeaWorld. Hopefully, there is an amusement park near you.

Yard Sales

Yard sales are the next summer date idea. They usually start at 8 or 9 in the morning so you can start checking them out before it gets too hot. A good thing about yard sales is that they are free to attend. You can go to 5 or 6 of them and not spend any money.

Screen on the Green

In many cities, parks have begun to show movies on projectors. In my town, the movies are usually shown on a Thursday, Friday, or Saturday evening. Some places charge for entry while others don’t. Most of the movies that are being shown are good family fun flicks. You rarely will see a rated R movie shown at this type of event.

Drive- In

I will stay with movies as I share the next date idea. Taking someone to the drive-in is another cool date option. Once a large part of American culture, there are only 319 drive-ins left in the country according to drive-ins.com. I’ve taken a few dates to the drive-in. It feels as if we went back in time. If you live near one, you should try it. You won’t be disappointed. Drive-Ins are also priced well. At the drive-in here you pay $9 per person, and you can watch two movies.

Sporting Event

The final summer date idea is to attend a sporting event. Baseball is going full throttle right now. If you live near one of the 30 Major League teams, you should check out a game. If not you always have the option to check out a minor league game as well. The WNBA season is also in effect. There are several teams around the country that paly games a few times each week. Their games are also affordable.

What other summer date ideas do you have?

Basic PlanningFor RetirementDepending on your age retirement may be 30 years away or it could be right around the corner. Have you started thinking about it yet? The cold heart truth is that many people haven’t begun to plan for retirement yet. That doesn’t have to be you, though. Today, I will share with you three tips that will help make retirement a reality.

Consider your income needs

The first thing that you should do is consider your income. Sources say that most people will need between 70 to 80% of their current income level in retirement. Since you’re Dinks, that number may be higher or lower depending on your living situation. If you plan to maintain your standard of living, there are some things that you should think about.

If you have a mortgage, look at when it will be paid off. The sooner that it will be paid off, the better. You won’t need as much money anymore because you won’t have to pay the mortgage anymore.

Is your home old or high maintenance? If the answer to either one of those questions you should take potential repairs into account. Depending on what needs to be fixed, you may be out of a lot of money. You may even need to move to a cheaper house in order to stay within your income. Something else that happens when you retire is that you won’t be putting money towards your retirement savings anymore. You will now have that money freed up to use.

Learn investments

I don’t care where you are in life, but you need to take some time to learn some basic investment principles. It may be foreign language to you in the beginning, but you will thank yourself down the line for learning how to invest. Everyone’s style is different. You and your partner should take the time to figure out what investing strategy works best for y’all.

Where is the money coming from

The final tip is to know where the money will be coming from. If you take heed to my advice above you will eventually have some money coming in from investments. That probably won’t be enough. Retirement income can also come from employer-backed plans, government sources, and personal savings. Make sure you sign up for a 401k if your employer offers one. Contribute as much as you can to it. Your taxes will be lower. Over a period of time, the interest and tax deferrals can make a big difference in the amount that you will have.

When it comes to government sources, social security is the most common form. To figure out how much you will be paid in social security, check with your employer’s plan.

Considering your income needs, learning investments and knowing where the money is coming from are three things that you must do when planning for retirement. For some of us it’s a long time away, but for others, it will be here in less than ten years. Whatever your age is you should have a plan in place.

Have you started to prepare for retirement?

credit (1)Many people have credit cards. A lot of people use them to get cash back or travel rewards. Some credit card offers might sound too good to be true. If it looks like its too good, it probably is. Over the years, credit card companies have gone from charging reasonable amounts of money for their services to charging very low amounts on the surface. A lot of credit card companies now make their money on hidden fees and interest rates.

Here are a few hidden fees and interest charges to look out for.

Balance transfer fees

Balance transfer cards can save you hundreds of dollars in interest. I did a balance transfer in March. I’ve been able to save $60 a month in interest. Some credit cards don’t have a balance transfer fee. Others charge a fee of 3% – 5%. I got lucky. My new card didn’t have a fee. You should make sure you read all of the fine print before signing up for a balance transfer card.

Inactivity fees

In my opinion, this is one of the most bogus fees out there. Some card companies charge you inactivity fees. An inactivity fee means that if you don’t use your card for a specified period of time, they can charge you for that. That is messed up to me. They can charge you for just having a card that you don’t use. I wouldn’t want to deal with a company that does something like that. There are a lot of companies that don’t charge that fee.

Late fees

At one point late fees were a common thing for me. For whatever reason I would never pay a certain credit card that I had on time. I had late fee after late fee. I’m glad things have changed. I haven’t seen a late fee credit card charge in over two years. Late fees can range from $15 to $35 depending on the company.

Something else can happen if you are late with your credit card payment. Your interest rate can skyrocket. For example, you might have a low 7% interest rate card. You can miss one payment, and your interest rate could jump to 18.5%. That sucks, but it’s a legal practice.

Foreign transaction fee

Many banks charge a foreign transaction fee. A foreign transaction fee is a charge assessed by a credit card company to a person who used their credit card to make a purchase in a foreign currency. The transaction fee is usually 2-3% of your purchase. That fee is to cover the cost of converting foreign currency to US dollars.

In summary, the hidden fees to look out for are balance transfer fees, inactivity fees, late fees and foreign transaction fees. All those fees can be avoided in my opinion. You just have to take the time and read the entire document when you’re signing up for a credit card. It may take a while, but it may end up saving you a lot of money down the road.

Are there any hidden fees that I missed?

Disease Called Debt

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