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Speaker 1: Well don't two point seven. It is Kiss FM this morning.

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Speaker 1: Thank you for having us on. Nicole Lappin join us,

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Speaker 1: I should say economic expert, financial guru. Nicole Lappin join us. Hey,

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Speaker 1: quick question for you? Do you prefer a polo or

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Speaker 1: a turtleneck under a blazer? Neither? Yes? Either? Maybe that's

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Speaker 1: the answer, Ryan, Maybe just a regular crew neck. Yeah

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Speaker 1: that's a cool. Look. I'm not that super cool look. Yeah.

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Speaker 1: I don't know what the debate is, but I vote

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Speaker 1: for that. All right, thank you. Well, I don't say

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Speaker 1: nothing like be naked underneath. No, no, no, we're not.

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Speaker 1: No one's going to do that, all right, Nicole, Not

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Speaker 1: like Nicole lappened. So, uh, financial expert? Does everyone give

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Speaker 1: you the bill to calculate the tip on when you

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Speaker 1: guys go for dinner. I'm a big tipper, so so

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Speaker 1: I yeah, I tend to do double. I tend to

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Speaker 1: do I'm a big tipper. I think that money has

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Speaker 1: energy to it. There's like the law of attraction. The

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Speaker 1: more money you put out there, I think, the more

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Speaker 1: it comes back to you. Not to get to woo

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Speaker 1: woo here, but hold on, do you have the uh

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Speaker 1: where's the stage? I we'd like the sage, what's what's

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Speaker 1: that stuff that we put over our beds? Tiny of that?

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Speaker 1: Said Sage might Nicole. It is the time of year

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Speaker 1: when people are thinking about getting out there to buy gifts, um,

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Speaker 1: trying to take advantage of deals. This time is going

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Speaker 1: to go fast now that we're into almost December. What

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Speaker 1: do you recommend in terms of taking advantage? I gu

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Speaker 1: said almost like specific things are ways to take advantage

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Speaker 1: of the timing right now on things to buy, and

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Speaker 1: then I guess on the other side of it, what

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Speaker 1: not to buy where we'll be taking advantage of right now. Yeah, totally.

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Speaker 1: There are a few trends that I'll tell you about

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Speaker 1: two that are popping up this holiday shop season that

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Speaker 1: you should be aware of. But the things that are

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Speaker 1: will be heavily discounted this shopping season are electronics, smart

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Speaker 1: home items, audio equipment. I don't know about a gold mic,

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Speaker 1: but general audio equipment that's fair so our mikes might

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Speaker 1: not be on sale, but exercise equipment, outdoor equipment active

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Speaker 1: where some data came out recently that found that active

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Speaker 1: where retailers like lu Lemon, Nike under armours stood out

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Speaker 1: as being more promotional than other categories. What to avoid furniture.

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Speaker 1: Usually the best deals for furniture are around President's Day

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Speaker 1: or Memorial Day. Power tools, usually the best deals are

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Speaker 1: around Father's Day and engagement rings. Don't get engage rings

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Speaker 1: right now, don't get engagement ranks. So typically we will

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Speaker 1: get engagement rings like three to four months before an engagement.

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Speaker 1: So this is prime time for Valentine's Day proposals. So

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Speaker 1: retailers are extremely busy and they might not have the

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Speaker 1: best selections and much longer lead times. So it's very

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Speaker 1: interesting to hear about the scheduling of purchasing. Why is

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Speaker 1: furniture and presidents stay related? Those are typically the times

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Speaker 1: that people just want better deals around that time or

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Speaker 1: around Father's Day. Um, but right now, all of this

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Speaker 1: stuff that the big box retailers have with excess inventory

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Speaker 1: is going to be on sale because think about it,

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Speaker 1: during the pandemic, a bunch of retailers got all the

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Speaker 1: stuff that we would buy from home, So audio equipment,

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Speaker 1: all the zoom stuff, exercise equipment. They have tons of

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Speaker 1: that right now, so they need to get rid of it,

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Speaker 1: and that's why they're heavily promoting it. Like we saw

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Speaker 1: a second Amazon Prime Day right this year, and normally

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Speaker 1: there's just one, so they're they're doing that to get

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Speaker 1: rid of all this stuff, which is great for us.

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Speaker 1: It's great for us, all right, it's good stuff. Now

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Speaker 1: you can check out more of what she is to say,

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Speaker 1: Money Rehab when Nicole's podcast on iHeart Radio where you

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Speaker 1: get your podcast. Thanks for coming on, Happy Holidays, Merry Christmas,

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Speaker 1: good to see you, Bye bye bye, coming back here

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Speaker 1: in a minute with not Marry Farm tickets