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Thursday, May 9, 2013

A to Z Vacation Savings Kit

Tired of hum-drum (or no) vacations? Ready to get more by spending less? Here are a wealth of resources to create a dream vacation without emptying your pocketbook!
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A to Z Vacation Savings Kit

Ellen Elwell


I love to plan a vacation - maybe even more than I love to take it! The great part about planning is that I get to "see" all kinds of fabulous places every day - right on my computer screen. But finding steals and deals to actually go to one is the biggest part of the excitement. My objective is to put together a great family getaway that's as luxurious as possible - for absolute bottom dollar.
One of the biggest reasons for not taking a vacation is "money" - lack of it, unwillingness to spend it, or just not knowing how to find great travel bargains. Here are some of my favorite ways I get the most for my travel dollar. If you have a little bit of patience, you can too!

The "Ground Rules" - Make Very Specific Vacation Choices
The best way to keep costs under control is make up-front decisions:
  1. Pick a range of travel and return dates (e.g., travel July 10, 11 or 12; and return July 17, 18 or 19).
  2. Choose at least two destinations for cross-pricing.
  3. Drive, fly or sail?
  4. Start with a maximum total budget - and then track costs of transportation, lodgings, food, admission fees against it. Add contingency funds for spending money and unexpected needs.
Helpful Free Planning Tools
Take - and keep - notes and lists using these links:
  1. Fill-in Planning Calendar - print it here.
  2. Transportation Calculator - compare costs of flying vs. driving in seconds.
  3. Blank paper and forms for notes and diary - choose and print.
  4. Pinterest - as you find locations you love, be sure to open a Pinterest account and "pin" them once label your travel pinboard. All your photos - with your comments and notes - will always be at your fingertips.
Vacation Destinations: Ideas and Tips
Season affects cost. You'll always pay less for off-season destinations. For example, ski areas are super-expensive during ski season. However, these beautiful areas
are also gr
eat for summer hiking, fishing, swimming and golf - and they're generally priced to sell. Conversely, theme parks are priced higher when kids are out of school. So to stretch your dollar, consider a "low" season destination like the Carribean, Hawaii or Florida.
All-inclusive beach resorts rock! You'll usually find fabulous deals at all-inclusive resorts.You get food, snacks, drinks, kids' camps and other entertainment - included in your room cost. You're probably familiar with Sandals, Dreams and Club Med but here are some others: "Top 10 Best Affordable All-Inclusive Resorts."
"Flash" sale sites provide daily travel ideas with photos. Sign up for daily emails from a few luxury hotel "bargain" sites. They do offer lower prices on fabulous digs. More important, however, they can help you pick a general destination . . . and then find hotel bargains near it.

Some beautiful sites for daily browsing:
Getting Reasonable Air Fare
Don't forget to plan for two destinations (as mentioned above). Your flight can easily be the biggest - and most non-negotiable - cost of a trip. So as travel pros say, "Chase the fare, not the destination." Here are some great places - with links - to start your search:
Getting the lowest fare isn't a secret. You only have watch for and "catch" fares when they dip. For example, flights may be cheaper at midnight on Tuesday vs. daytime on Thursday. Saturday may be a better day to book than Monday. Or a flight may be under=booked and need to fill seats.
Since you probably don't want to watch the computer cost tables 24/7, there are sites that will watch them for you - free. Examples: Hotwire, Hipmunk and Flight Deal and my all-time favorite site in the world, Hotwire.
Cruises
I'm not a cruise person - but lots of my friends are because it's extremely affordable - especially for a family. In general, fares are lower as you get very close to departure since they have tons of rooms to fill. If you do book late, however, make sure that you do it a week before departure. It takes a bit of time to solidify trip insurance and excursions.

Pros. It's easy to pick a budget and stay within it. "Extras" generally include room upgrades, excursions and trip insurance (essential). If you're not too picky about your room's location and configuration, you get a super-cheap trip to many interesting destinations.
Cons. The ships having the lowest costs can be crowded because they hold 1000's of people. The meals and entertainment may be "mediocre" since restaurants and theaters handle masses of people (think the hearty Vegas buffets).
Good bargain sites for cruises:

Hotel Bargains

I admit that I love wonderful hotels. Until a few years ago, I traveled 40-45 weeks a year on business. This means that I spent a lot of time in hotel rooms for sleeping, working and reading. Cleanliness is the world to me, but room service was high on my "must" list. So I learned how to get fabulous prices - one way or another. I used to use my IBM employee number to frequently book a Ritz-Carlton in a major city for 1/3 the normal price. I joined a dozen hotel loyalty clubs for their upgrades. I'd tip a front desk person at check-in to get a "fabulous room". And now, with the internet, I find coupons, specials and so much more.

#1 Booking Considerations: Cleanliness and Safety
On top of being a heavy traveler, I also had Intercontinental Hotel Group as my significant client for a period of time. From them, I learned so much (more than I can share now). They have a great operation and verified my lifelong feeling that it's worth paying a little more for hotel quality.

Life Magazine's 10 Worst Hotels and Motels in America
The term "Better safe than sorry" applies to accommodations - especially in this time of crime and bedbugs (seriously!). So before you book, do check out TripAdvisor.com or Google a hotel's name and location to make sure it's reliable and clean.
The Thrill of Traveling "FREE" with Loyalty Points
Last year, we went to New York City for 4 days for free - except for entertainment and meals - on points. The airline points were saved the "normal" way, with travel and credit card purchases. But the hotel nights were free - ones I received when I signed up for a Hyatt Visa credit card. This hotel chain (like most others) offers 2-4 free nights just for signing up for their Visa credit card.


To find out more about how to vacation for free on points, allocate some time to reading the MommyPoints blog. It's amazing!

Another tip: check out Award Wallet.com. You can enter all your loyalty programs into your free online "wallet." Then this free, uncomplicated website will keep all your account numbers, passwords and point balance on one screen. (It does keep data for American Airlines and Delta - the only key exceptions.) It's worth a bit of time to check out all your loyalty accounts - even places like Sephora and smoothie shops. In 2012, there were 18 Billion unclaimed miles in the U.S.!

SUMMARY
Don't skip your vacation because of limited funds. With a little planning, you can find a wonderful, inexpensive getaway. Drive to a city and stay free at a Hilton or Holiday Inn (see the Loyalty Points material above). Or get amazing deal on travel sites like Hotwire, Jetsetter or Shermans Travel. Once you get the hang of bargain browsing, you'll be amazed at what you can find.

As for me, I'm on the hung for a super-fabulous, super-affordable (free?) vacation in Maui! Aloha until our next blog!

Results? Comments? Please email me at info@elwellinc.com. I'm looking forward to hearing from you!
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Thursday, October 25, 2012

Fw: Speak up!

 
 
Sent: Wednesday, October 24, 2012 4:30 PM
To: Ellen
Subject: Speak up!
 
Make your voice count when you say it like you mean it!
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Elwell Money Minder
October 2012
OUR INFORMATION:
Elwell & Associates
14643 Dallas Pkwy
Suite 325
Dallas, TX 75254
(214) 739-7100
info@elwellinc.com
Web Site

Your Voice Counts!
By John Elwell
 
Every day, I listen to my clients talk about the state of the economy and the adverse effect it's having on their business, personal income and overall spending. The recession has grown long for most of us, and I share your concerns. And, to a certain extent, I can help you financially by identifying tax savings and helping you build your tax-free retirement account.
 
The best place to use your voice to make a difference, however, is the voting booth. I realize it's difficult to believe that our votes actually count. But one thing I know for sure: voting is our only option for speaking up and playing a role in creating our own destiny. As Americans, we can say what we mean in confidentiality, without penalty.
 
Selecting a President is just one of your votes. Many State and local candidates – ones whose views can affect our daily lives as much as a President can – are also up for your selection and election. Our new Texas Senator, city council representatives, judges and many other officials will help shape our future.
 
Many of you know that I come from the "apple pie" part of the U.S. – Ohio and Michigan. Ellen is from Indiana. In those states, Election Day is almost as big a day of celebration as the State Fair (the major annual event in the land of farms).
 
So with this mindset, I sincerely hope that each of you decides to experience the excitement of voting for "your" candidates. And whether they win or lose, you are an important part of this great process. Your vote is just as important as Donald Trump's or Warren Buffet's! Every vote is equal.
 
Below are some good online resources – with links - for finding out where to vote, studying up on the candidates for every office, and getting answers to any election-related questions you may have.
 
Best regards,


John
ELECTION & VOTING HELP & RESOURCES
 
*Copyright © Elwell Associates, Inc. 2012 USA //14643 Dallas Pkwy * Suite 325 // Dallas, TX 75254 // (214) 739-7100 // info@elwellinc.com // Our Website * Our Blog *
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Wednesday, October 10, 2012

Live high, save lots!

Lots of people really enjoy shopping in malls and retail stores
I’m not one of them! Especially when I’m looking for something in particular and end up going from store to store to find it (or not). I love being able to locate things quickly, compare prices, find discounts and generally be in control of the shopping experience.

If you don’t relish the thought of spending hours at Galleria, Northpark or the outlet malls, here are some of the sites regularly use to save time and money.

Promotion Codes for Online Stores
Never check out your shopping basket without searching for a “promotion” code for that store. If you remember to do this consistently, you can save hundreds of dollars each year in discounts and shipping fees. Here are some great sites for promotion codes:

 
“Flash” Sites
If you don’t know about free flash sites, you’re in for a treat! They have extensive daily listings for major brands - up to 80% off! If you like designer labels for clothes, kitchen appliances, towels, pillows, shoes jeans, jewelry and more, sign up for daily email at any (or all!) of these flash sites:
  • Groupon.com – the “granddaddy” of flash sites, Groupon’s daily offers often seem to be too good to be true! This is my favorite flash site by far. And I’ve been 100% happy with every one of my purchases.
  • RueLaLa.com – their offerings are often spectacular and always top quality. For example, a beautiful $150 Brooks Brothers shirt was selling for $39 on the daily “Today’s Fix”… and I bought it. If you buy one item and pay shipping, you can ship all other purchases free - for the entire month.
  • BeyondtheRack.com – this top-quality site has wonderful daily offerings. However, it’s almost impossible to get free shipping.
  • Bidz.com – for authentic and valuable jewelry, this auction site is a real discovery. Don’t buy anything until you visit a few times and see how the “game” goes. Wedding or anniversary ring? You can get whatever you want for ¼ the original price or less! 
Travel
I am a relentless shopper for 4-star hotels at 1-star prices! Last year, I persevered until I got the Wynn in Las Vegas for an unbelievable $80/night. Two weeks ago, for a last-minute business trip to New York, I booked the new mid-town Hyatt for an average $140/night (all fees included!). To save so much money, I combine a lot of different techniques and website searches.

General Tips
Book plane tickets as far in advance as possible for the best selection and rates.
  • Start shopping for a hotel just 2-3 weeks ahead so that you’ll get the benefit of “last minute” cancellations, “leftovers.” and other unexpected hotel situations. Hotels would rather book their last empty rooms at very low fees vs. take an “empty bed” loss.
  • Visit my favorite “Bargain Travel Websites” below to enter your travel information.
  • Sign up for ongoing updates – this is the secret to success!! Soon, you’ll get a fabulous variety of offers which match your specifications.
  • Visit a hotel’s website and check its reviews before you book . for extensive reviews of any hotel worldwide, visit TripAdvisor.com.

Bargain Travel Websites
  • Hotwire.com is my #1 all-time favorite. You won’t see the name of your hotel until you book and pay. No worries. Of the 10+ times we’ve used Hotwire.com, I’ve never been disappointed. And I am ultra-particular about hotel rooms.
  • Airfarewatchdog.com (airfare)
  • Tripalertz.com (air, hotel, car rental)
  • Jetsetter.com (flash site for hotel)
  • Luxurylink.com (trip auctions)
 
For more money-saving sites . . .
If you like this type of article, please send me an email and let me know. Our blog is for you and comments are always appreciated!
 




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Thursday, October 4, 2012

Mean Women in Business

Mean Women in Business
by Ellen Elwell

As a lifelong marketing professional who has worked for or with  Fortune 1000 businesses and brands, I have met so many people all over the U.S. Most are terrific. A few are horrible. And the horrible ones always get to me - especially the women.

I started working for IBM as soon as I finished my grad work. I was 23, married and soon to be a mom. They sent me to their training schools on and off for a year...and this education has been a blessing through my life. They taught me how to develop presentations and give them...how to demonstrate their equipment to advantage. . . and how to help customers appreciate and use it. They taught me their motto: "Respect for the individual."

Every week we were rated in 26 training areas - 1 being the top and 5 the bottom. We even got ratings in "groom" ( how you put yourself together for business). To get promoted (down the road), I needed a 2 overall average. The scores go with you - everywhere.

I was always afraid of doing things wrong and getting fired. The ratings became my obsession. And whenever I got criticism, I literally trembled. Luckily, things turned out fine. And I owe my many years of "1" ratings to women who took me under their wing at training...and also the women with whom I worked every day. We were like a family even though we were in different cities. And we networked and helped one another a lot.

When I started my own marketing agency, I hired mostly women - about 95%. I trained my key women managers...and they trained the people they managed. Again, I enjoyed the aura of the sisterhood. Until I got a big portfolio of clients - big companies and brands like Frito-Lay, Ralston, Beech-nut Baby Food, Clorox, Anheuser-Busch, American Express and many more. So the entire picture gradually changed.

In the agency business, account people take constant verbal whippings from clients - especially the agency head (me!). It's just the way it is and you get used to it. The client pays a lot of money for a non-tangible, intellectual and creative property; and many resent it. I call it "kicking the cat." They're frustrated with other things in life and they transfer the feelings to people who can't fight back. Unfortunately, the cat becomes wary and careful to keep a distance.

My mother and father had their own business - restaurants. I started working in them when I was 12. My parents taught me to smile at customers all the time. My mom used to say, "Smile until your face cracks." If you've ever been a waitress, you know that smiling can sometimes be difficult. But you do it!

In my own business, it hurts me most when the mean-spirited person is a woman.
The pattern is pretty consistent: she barely acknowledges people and looks down at her iPad, makes notes and ignores the people around her. When she speaks, she's short and direct and doesn't mind being insulting. She has "attitude" because she's certain she's smarter than anyone else in the room. And maybe she is. But being smart and powerful isn't everything.

Why do I expect more of women than men? Maybe it's because I have enjoyed so many relationships with great women who help one another. I will do almost anything for the "GOG" (Good Old Girl) network and vice versa. So don't mean women "get" it? What do they gain by being mean. You never know...the cat may be in a position to bite back one day!

Comments are so welcome. Have you had this experience? Let's talk!


Friday, August 24, 2012

iPhone: Friend or Foe?

by Ellen Elwell
Readers of this blog know that I’m a major proponent of new technology and social media – with the exception of Facebook, of course. (See archived articles.) But when it comes to actual equipment purchases, I tend to be very thrifty. And when I do invest, I expect to get a lot - for a long time.

My reasons for not getting an iPhone (the “cons”).
I never considered anything other than an iPhone as my “smart” phone choice. However, I had lots of reasons for stalling – for years!


  • It’s expensive. No matter how you look at it, any smart phone is a very costly front-end and long-term investment! So my question was: Is there a significant Return on Investment (ROI)?
  • I’m not a “phone” person. I don’t make or get lots of calls, so why spend so much on a phone?
  • It’s difficult and time-consuming to learn. If a whole shelf at Barnes & Noble is dedicated to “how to” iPhone books, it’s pretty obvious that learning how to use it will take some time, right?
Why I finally did get an iPhone.
Ultimately, I decided to take the plunge – mostly because I’m in marketing and “mobile marketing” is growing in importance. Also, I lost my “regular” cell phone and the timing was theoretically right. And finally, I felt pressured to do it since just about everyone I know has one (the “what am I missing” principle). I promised myself, though, that if I only used the phone – not the other features and functions – I’d cancel the monthly charges and take a penalty.

After nearly a year. . .
Looking at the "cons" above, they remain the same for me. First, there's no doubt about it: the iPhone is costly. Second, I don't use it much as a phone. However, I now consider the “phone” part a very minor part of the iPhone’s value. Instead, I love its photo capabilities, twitter and email convenience, being able to save music and audio books in the “cloud” – and then access them from the many other “synced” iDevices in our household. (I’ll do another blog on the free “family sharing” capabilities iPhone offers.)

Finally, because I’m very slow, learning has been a nightmare – even worse than I expected. There is nothing “intuitive” about the device beyond placing phone calls and texting. Until I finally figured out how to connect and manipulate the iPhone through my computer and iTunes, my frustration level was indescribable. Tip: Never ever forget your iTunes password or type it in wrong because recovery is so painful!



. . . I love it!
Despite the pain, I’m happy I got and have my iPhone! Every single day, I gain more respect and passion for this powerful little engine. It provides so many unexpected, life-enhancing features (especially apps) that I’ll do a follow-up blog(s) about them. They fall into several categories: convenience, money-saving, entertainment and safety.

Summary: Investment vs. Value
I do believe that the iPhone can be worth the cost. But to be so, it cannot be viewed simply as a phone or a game/toy. Uncovering its real “assets” takes time (and more time) – which can be an even bigger investment than money. Further, learning is never-ending because software upgrades add more function (almost daily!).

As for actual “return on investment,” I’m uncertain. I’m still looking for ways that iPhone usage can actually generate business referrals or sales dollars. Now that I know how to use it, however, I’ll continue to puzzle this important piece of the equation!



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Friday, August 3, 2012

Learning Apple is like having a baby!

Okay. So I'm a late adaptor of iPhone.

But it's only because I had to be "ready" to commit time to do it right. By myself. Without anyone standing over me and making me nervous. Sad to say, I am a s-l-o-w learner.


My history with technology is a sad story.
You'd never know that IBM recruited me when I finished school. I'm a great marketeer in my genetics, like my father. I write and I sell. Everything else is frills.


IBM almost didn't hire me because they tested my "machine logic" at "ZERO." That's the exact word they used. Who knew about this machine skill? But they were pretty matter-of-fact when they told me about it.


So we're looking at a machine company deciding whether to hire a hopeless non-techie to sell and market their products (me). Luckily, IBM took the plunge and we made great music for 10 years - until I started my own agency. In fact, they were my first client. Gotta love that company!


And it never got better.
Sadly, however, their "machine logic" test proved to be true. Whenever it's time for me to learn new software, equipment or even an app, I'm in misery. Without machine logic, I have to try and try and learn a little bit at a time. I make 8 mistakes to reach every small success. I quit a learning session when I get a headache and my neck says to leave it alone.


Especially in the world of "i."
The biggest challenge has been getting my iPhone, iPad and computer "synced" in the iCloud and iTunes and getting all the stuff working together. And, if you can believe it, I actually bought a scary-small iPod nano last week (don't ask!). So now I have three iDevices - plus a Kindle and Kindle Fire. 


Sometimes I feel like I'm Alice in Wonderland falling down an endless rabbit hole into a land of strangeness.


The biggest joy was when I taught myself to transfer iPhone pics to my computer, then send "good" pics to Dropbox and Photobucket and then to Shutterfly for prints which I got back in the mail. I know I'd better practice that because I'm already wondering how I even did it. Maybe it was an accidental alignment of the stars like the Big Bang!


Laughs and tears aside, I am really proud of myself. And getting onboard with the world of "i" is like having a baby: the pain is awesome...but the results are worth it! 


Did I mention that I LOVE Apple?