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December 12, 2024
By
The Admiral Staff
Christmas tree prices are rising due to supply chain issues, droughts, and fewer tree farms. Real trees now average $45-$800, with a predicted 10% price increase for 2024. While artificial trees can be more expensive upfront ($80-$200+), they can be a better long-term investment if used for several years. To save money, consider buying early (for artificial trees), waiting until later in the season, purchasing from a
December 12, 2024
By
The Admiral Staff
This article serves as a reminder to those with Flexible Spending Accounts (FSAs) to use their funds before the end of the year, as FSAs operate on a “use it or lose it” basis. While the IRS allows a 2.5-month grace period (until March 15, 2025) or a carryover of up to $500, employers ultimately decide how leftover funds are handled. FSAs allow for pre-tax money to be set
December 8, 2024
By
The Admiral Staff
The article highlights three key homeowner insurance risks during the holiday season: cooking mishaps and fires (often due to clogged vents), property liability (potential injuries to guests), and theft/vandalism (due to vacant homes and visible valuables). Experts recommend reviewing liability coverage, ensuring personal property coverage is adequate (50-70% of dwelling coverage), and taking preventative safety measures like cleaning vents, securing decorations, and maintaining a fire extinguisher.
December 7, 2024
By
The Admiral Staff
The article explores whether it’s acceptable to give secondhand gifts during the holidays, noting the rising popularity of thrifting among diverse shoppers, including affluent ones. While some may view it as a faux pas due to potential return difficulties, the piece argues that it’s increasingly acceptable, especially with the growing emphasis on sustainability and unique, one-of-a-kind items. It offers tips for successful thrift store gifting, emphasizing quality over price and considering the recipient’s preferences, and provides a list
December 6, 2024
By
The Admiral Staff
The article suggests DIY Christmas gifts as a budget-friendly and heartfelt alternative to store-bought presents, emphasizing the gesture over perfection. It offers 12 ideas, ranging from simple projects like photo magnets and baked goods to more involved crafts like a family cookbook or knitted goods. Other ideas include pickled vegetables, framed pictures, ornaments, mason jar mixes, kid art, coasters, pressed flowers, homemade spices, and more. The article stresses that these gifts are a way to save money, create personalized items
