Black Friday 2012

BLACK FRIDAY SHOPPING

Black Friday isn’t officially over yet, but we already know it was a success. The turkey wasn’t even cold before stores like Target, Toys ‘R Us and Wal-Mart opened Thursday night. People even began camping out days before to be first in line for the door buster deals they had to get their hands on.

This was the first year stores were officially open Thanksgiving Day (it was tested last year with a few stores) as opposed to opening in the wee hours of the morning on Friday. According to an International Council of Shopping Centers – Goldman Sachs survey of 1,000 consumers conducted this month, about 17 percent planned to shop at stores that opened on Thanksgiving, up from 16 percent last year. For just Black Friday shopping, the percent of people who intended to shop went down one percent to 33. But in the end, it’s estimated sales will be up 3.8 percent this year to $11.4 billion.

Some people took the shopping a little too far though; at the Woodland Mall in Grand Rapids, Mich. there was an altercation that forced police to pepper spray mall-goers. In Texas, a man allegedly pulled a gun on a another shopper who punched him in the face when they were waiting in line at a Sears. Luckily, the majority of shoppers were able to make their purchases safely and head home to get some sleep.

If in-store shopping isn’t your thing, you’re in luck because after the chaos of Black Friday comes Cyber Monday. On Monday November 26, many websites will have special deals that are only online and a few places will offer free shipping. At least if you have to be up early to shop, you can be in your pajamas and in bed. And in case you missed it, here are some last minute tips to shopping on Black Friday.

However you end up doing your shopping, we hope you find the best deals and are able to cross off everyone’s wish list!

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016. Inlanta Mortgage is proud to be a recent recipient of a 2012 Top Workplace Award.

 

6 Black Friday Shopping Tips

Be Prepared for Black Friday

Black Friday is almost here. Are you prepared? Here are a few shopping tips to help you make the most of this crazy busy shopping day.

Black Friday Shopping Tips

     

  1. Do Your Research – If you plan to purchase a big ticket item, make sure you do your research. Just because the item you plan to buy is cheap, doesn’t guarantee it’s a good deal. Read consumer reviews and reports to make sure the discounted item is worth getting out of bed at 5 am.
  2. Browse Deals Before You Go – Sketch out a game plan for Black Friday. Know your budget, which stores have sales, and which stores have sales on items you actually want.
  3. Compare Prices Before You Head Out – Determine what the regular price of an item is before you commit to purchasing that item on sale. Make sure you are comparing like items! It is not uncommon for stores to offer “stripped down” versions of products at deep discounts and then charge regular prices for all the required accessories.
  4. Use Store Credit Cards – This is generally a good idea when a deeper discount or an extended warranty is offered when purchasing using store credit. If there are no additional discounts or warranties, it may make more sense to pay another way.
  5. Check Out Night Owl Specials –  More and more stores offer deals for night owls that aren’t likely to get up at the crack of dawn. Cashing in on these deals may help you beat the crowd and ensure you get the item you are coveting.
  6. Know the Store’s Policy – Does the store you plan to shop at charge re-stocking fees or have a shorter return window? This will become an issue if the item you purchased isn’t all you expected it to be. Always keep your receipt – without your receipt stores aren’t likely to take your return at all.

Spread a Little Cheer

 
Good luck with your holiday shopping! Consider picking up an extra toy this year for a child in need! Many local charities help distribute toys to children over the holidays. One of our Wisconsin branches is collecting toys for the Children’s Hospital of Wisconsin. For more information on the Brookfield branch toy drive, click here.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016.