PERSONAL FINANCE/JOHN NINFO: The holidays are coming again As I write this column to meet my deadline, we don’t know the final results of the Presidential and many other key elections, and we don’t know what short-term effects the results may have on the stock market. Stockbrokers will probably tell you that the predicted results were “baked in” in the middle of October. But I don’t know that many expected the losses (the Dow down over 1,800 points) during the week running up to the elections, as quarterly earnings started to be reported, and there were increasing concerns about an extended economic downturn because of the increasing coronavirus cases and the inability of Congress to pass a much needed stimulus bill. On a different subject, we have talked a lot in the past about the importance of saving for anticipated expenses, like the holiday season, including Christmas, so that you don’t find yourself in unnecessary credit card debt. We have also talked about how the retailers keep moving back the date that they start putting out Christmas items. This year it was early October. I heard a great term for it recently on NPR: “Christmas Creep.” I hope that everyone has taken the prior advice in this column, and opened at “Christmas Club Account” at a local credit union, or otherwise have been systematically saving for the holidays. If not, it’s not too late to start saving something. This is especially true since, because of the pandemic, many of us may not be spending as much this season. In some cases, unfortunately, we have less money because of unemployment or other effects of the pandemic. In other cases, we may be doing less or no traveling, less or no entertaining, and buying fewer presents for extended family.https://www.mpnnow.com/story/business/2020/11/08/personal-finance-john-ninfo-holidays-coming-again/6182040002/
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