Yeah. All right we're you know we're gonna -- who's gonna go first you give who's gonna pull the trigger that he's like you -- mark we -- He's Craig Miller community each and every weekend and we would like to. Welcome aboard are at new affiliates KL KC 93 point five FM Parsons Kansas and KH ST 101 point seven. FM Pittsburgh Kansas so while welcome Parsons welcome Pittsburgh. We hope you enjoy it which you are going to be hearing let's hope for the next ten to fifteen years and that's when I'll retire. And Craig patched in fifteen years -- now 4550. Ya know you'd be right now because retirement age and hopefully folks if you pick up some of the wisdom we. Hope we're laying down with. Then in ten to fifteen years you or financial position will be one that you too can consider retiring and it doesn't matter if you're 253035. Or 75. Hopefully. These this information we share we do you find beneficial and most importantly you'd take action on some of it. Guarantee you'll be ahead of the game okay. Credit are we were on number four with color let's just keep giving gifts this community given some -- again thanks for our friends at kiplinger's magazine -- -- would we got this information remember random but there are some really good ones that are some. -- a mediocre ones and I thought some dispute. We're so hot but that's OK but just you know that's why it's there is that Arlen is what I wanted -- fifteen maybe you'll find value in some of them that that we didn't find as much. Here's another suggestion -- No actually it was not as he got a savings savings account. SOB to keep the recipient of the potential guillotine beginning from is going on below instant cash. Instead it's descend a -- little online seems accounts set up there and give them a little and potential start either beginning or start to savings or add to savings. And it gives you placed you know motivating young recipient of the gift to start motivated begin being motivated save money so here's out of the box one. -- -- I'm intended a warehouse club the membership by giving up membership to a big box stores such as BJ's Costco or Sam's Club you'll save the recipient money on groceries electronics household wares and office supplies. Year round now remember. Craig is not everything it warehouse clubs are a good deal and yes that's true aim at being urgently go up by applicable stuff they don't need is gonna go -- on the shelf exactly so make sure if -- big box store shopper. Smart about eaten but people tell me that they learn after ready you're cute glasses you know taking an assessment now on this now -- may not actually be saving money. So you get a buy your toilet paper paper cal stuff like that you can always use -- -- payers much it. I cranked it fashionable and I think that you probably oh yeah. Reusable shopping bags is that we usually get in -- I did it usually is stocking stuffer com. Gary's -- shopping nexus eco friendly yes folks -- -- -- for me to. Because of certain here you get nice little reef under a debt discount on your -- receipt if you bring your own shopping bags though. If you're winning to not such a sentimental gift for that frugal recipient out there to appreciate every little eco friendly frugal. Then did some re usable shot meant I hear that from me -- and you get a coach reusable shopping -- for 83 or 400 dollars don't do it folks. OK -- -- like this one. An appointment with the financial planner. May crewman to the treaty for your financial plans and there you know crisscross the legs under the trees to hunker down in the morning like hey folks at Nielsen. Yes so is so if you know silly if -- -- a friend or ideally aloud on family members there that does not work with a financial planner. Make you know make an appointment with them for it you know if there's someone that interest. So it just set the appointment. -- care about them and -- -- and I would recommend if you're just sent an initial point reform you can even use the service is that the fee based recommend for this. He's a fee based financial advisors can run anywhere from 175300. Bucks for them to receive an initial. Com that initial consultation and -- for them money they should walk away with something to include some structure paper of a basic financial plan and basic. Basic advice as with any -- who understand what they're gonna get bad investment you make on their behalf. -- amounts of take notice about the next one I don't know I just think about the it'll do it and experts say it -- again as you get the next like just -- -- -- and thanks a lot markets the other is working now. On the rotation here now programmable thermostat folksonomy nothing says I love you or your special to me or I needed to just -- -- Gift that will keep on giving and make you smile for weeks and years to come as a programmable thermostat so. But it you know but he can't save a lot of money if he gets -- with a little bit of it in equated device that's controlling the temperature in their home give him this help save some money to appreciate it down the road radio. A community college gift certificate. That's a fan you know a lot of those Harvard students out there yet there's a lot of fantastic courses at your community college I mean everything from. From cooking to -- college credit courses that you may want a lot lots of great course that your local Community Colleges. What is it that's I think it's fantastic gift I'm at the cost is gonna be anywhere from god as your cause that might be more from a 152 and a box. All the way to 456700. Bucks or more for -- A college course of credit worked -- so that's a good went next practice and get my view that you and -- Upon how well the way there -- Craig about what this prosecutor. What gonna suggest is that per listener -- why you terminator a bankrupt car I think it goes to be drink a lot of carbonated beverages folks -- -- are you know someone who does you'll -- a few bucks. You can get in the beverage -- make their own soda. In the -- have been -- when I got and that was that that that's a strong one but there are so I'm actually ours ours is -- give myself -- with -- from my kids and it's rarely used it was very it was a novelty the first couple days and it was like and missy you don't want the little what if you know he could do those engaged by the two liter bottles of soda. And you don't care for gets -- got coordinator. There is a cost savings are ready here and maybe you can buy a used. Bottles two liter bottles of soda and save you grow larger editor Brit accent but -- -- -- -- mentally are also what college fund donation for even your littlest loved -- there's no better present -- an investment in his or her future. Gets them started by for caused by opening a 529. Account for them as you know folks it can cost I mean it cost really. Nothing to get one started you can start -- -- lost 25 bucks up to 500 dollars and it's fantastic way to get a headstart on funded and junior. Or. Junior and it was the female version of junior. View your a day now letting their college education no I think you voted. With more if you stay tuned. -- All right friends. We're back we're back to giving gifts from -- suggesting these wonderful -- there's no warm the hearts of all those beloved. We're really leave off college -- donation like -- like a lot -- -- -- that -- now it's your turn to get it out and I -- for these -- -- this not a kiplinger's magazine so we sometimes you -- we pull information from very credible sources and use that to share with your. We think there's some very good wins here and and we think that is one Christ and -- have cable TV substitute so you know cable -- and it'll pricey. Even get day give the -- such is like wrote you broke -- -- -- or apple TV Google Chrome Palestinian those kind of devices that can help. These look well there's all sorts of yeah Netflix and things like that so anyway -- cable TV set to cut back -- he will bill for those -- TVs -- average cable bill is sixty dollars a -- seven or 44 bucks a year I don't apple TV you can purchase for nine in a box it's pretty cool even if you have cable those either don't haven't checked on apple TV it's not someone apple TV for Rica's. I can't afford a share. But it is what it is pretty neat and out candidly. I'm I have three kids -- the whole time to watch TV but if I did that. I'd be watching these. TV OK another -- that it is like this a lot and I consider this last tournament to local farmer's market the -- side market did not Kansas City -- For sheer -- your friends and family long after the holiday feast is over. This duty friendly get subscribes the recipient to a serving of the season's harvest. -- is simple -- share offers 36 and nine month get subscriptions for the fruit of the month club. Each monthly deliver he -- -- months that I realized I was also -- -- I was I was actually it was actually I was. A mob present war I was regret I was the grapes on the Fruit of the Loom commercials if you come which were you the banana. Some -- down okay -- wanted includes. Each method of includes 68 pounds or 1215 pieces of fresh organic fruit from family owned farms located throughout the country. -- rather stay locally you can search near you for a community supported agriculture. Program -- Local harvest dot -- local harvest -- org. That is cool could be as low as 215 bucks all the whipped a three or fifty or more for your subscription. I think it's pretty -- don't you -- yet and you know what what Jeffords ordered tour office to office for salesman with a truck in all that we get in another ship. -- micro financing opportunities the next gift on our list here folks if you got someone who Lester re gift for a good cause. He'd is one nonprofit organization that -- people around the world were looking for -- for anything with individuals who are willing to fund small loans. Two of the key McCarty and your philanthropy. Philanthropic rather meaningless and that. I her entrepreneurial been started by providing them. The initial seed money for a micro so you know to about I think it's Britney go well it goes 25 dollars go to go to keep a KIB a a dot -- Increments 12500. Tickets 25 dollars to 2000 dollars. And if you've ever read about the micro loans in underserved countries they -- They're pretty cool yep I'm madly and chickens or whatever -- -- it might be buying the the material for someone that's living in a hot in Africa too to Lama. And create a you opted to create -- L piece of art just weren't born tapestry yet that that area itself potentially either local. -- and actually handle language mark was using -- I can't -- stranded he's going to show would be like crazy though you. Reality Simmons a former -- eyes if you could spin webs are adamant that ran for their women who. Are like it's been website I'd be issued a spy -- right of your mouth Ares I would have had to have been hitting -- and at last but not least is. Purchase a friend or family member -- kiplinger's personal finance magazine subscription. -- -- can't -- -- for having us use your stuff personal in this -- like this should be -- we should take their their their line your personal finance wisdom. Actionable advice and clear explanations the are these were a few of our favorite things from kiplinger's Thanksgiving leaders OK yeah. Music means it's time for another ship it stay or should he goes scenario folks you call us with the details we'll let you know. If you should stay or you should go. All right we have Alice in Nashville Tennessee he says the following question via email. Hi guys love your show I've heard it on my podcast collection my husband I want to buy a retirement home. To move to and a few years we plan to retire in the smoky mountains we are afraid prices and rates will be much higher in three years when we retire. Plan to sell -- current home for about as much as our final retirement home should cost. We're in very good shape financially. Should we buy now at better rates and prices and just use the house is a second home for now or should at least just what you did out and see what happens. By the way you do do you have any big guess coming on the show soon I like Mike Holmes I'm like Mike Holmes and a lot of other. Folks that you have on wow hey we appreciate that Alice and that was how much a segment. Yeah they -- could -- -- now let's hear your question -- suggestions were were fantastic say one of them might -- you only -- coming. Stick my neck out for -- who says that they're in good financial shape and say go go go look for that home in a smoky mountains now. You may find it you may not begin looking process now ticker time and making sure it's the place in if it is the place and you feel like the price is right. By these and as a second home with that qualifies for second home if your mortgage that property gets taxed enough to build a benefit potentially there but. You may be able to even part time ranting here in the air not you can't do too much -- -- disqualify you as using his second home but Jeter and a little bit east of fame members use -- whatever. Let me get investment in Dallas the one thing I'm gonna say is cite you an Abaya and the smoky mountains make sure your financial plan is not smoke and mirrors. So again you may think that your in good financial shape. Like get with a financial advisor to determine get -- opinion as to whether you're really ready to do this and now I'll go Craig's advice if you really if you don't smoke and mirrors. That go for what a great time to consider investing in the area. And that retirement home we get that question more often than just Alice there I mean people ask -- all time if I'm going to be moving in a year accuse judges you know I know moving that -- remind our final -- -- -- -- -- the go ahead and get that done we've been here this question for. Several years now with the market being down. And a lot of people have not been taken advantage of the opportunities in some cases you're paying cash or if you can stomach a slightly Harry complied as an investment. Property and make an appearance. Take Franken part of the earlier story -- read from realty track was that the the states with the highest foreclosure rates -- Florida Delaware Maryland South Carolina and Illinois. -- -- Ford was down 15%. From the previous month and 23% from one year earlier that vacation -- talked about you needing immediate now. Slowly slip into your seniors like to see and on the beach life as you don't stated. Ma. Yeah.