MONEY Saving

You’re Giving Away Money By Shopping Before This Weekend

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Getty

No fewer than 15 states offer a remarkably no-hassle way to trim a few percentage points off back-to-school purchases, most with deals starting this Friday.

Every year around this time, states host sales-tax holidays, in which the usual sales tax is waived on a wide range of purchases. In most cases, tax-free purchases are limited to back-to-school items such as computers and traditional school supplies like notebooks, protractors, and pens, but clothing, footwear, and accessories are typically on the table as well.

What’s more, the tax is waived on online purchases as well as sales in traditional brick-and-mortar stores, and there’s no actual requirement that the items being purchased are for back-to-school prep, or even for kids. It would be too hard to police any such requirement, so instead most states simply limit purchases to a flat dollar amount—for instance, any article of clothing priced at $100 or less, typically.

Let’s be honest: The savings represented by these events isn’t all that spectacular. Most participating states have sales tax rates of 4% to 6%, so that’s the extent of the savings. Big whoop, you might say. But when the tax holiday is combined with terrific sale prices—and virtually every retailer has back-to-school promotions going on right about now—the net amounts paid by shoppers can be true bargains. Why not get an extra 5% or whatever off what is already a good deal, on stuff you absolutely need to buy? To do so, all you have to do is wait a few days.

There are those who say that sales tax holidays are gimmicks for exactly the reason hinted at above. The argument is that the holidays don’t promote more spending as much as they encourage shoppers to strategically postpone spending, with no net increase in purchases whatsoever. What’s more, while sales tax holidays play well in terms of politics, critics say they are questionable at best in terms of local economic stimulus, and that they cost states and municipalities millions in much-needed revenues. States such as North Carolina have dropped their annual sales tax holiday tradition because of this argument, though shoppers did still get to take advantage of a “Better Than Tax Free” sales event at a North Carolina outlet mall last weekend.

Gimmick or not, if you need to buy any of the many, many items eligible for tax-free purchase, you might as well wait until Friday, or whenever your state has its sales tax holiday. Failure to do so is tantamount to unnecessarily paying an extra 6% or so.

Resources including Bankrate and the Federal Tax Administrators site list the basic details, and below are the states with sales tax holidays starting this weekend. Check the links for all of the fine print about what is and isn’t included in your neck of the woods.

Alabama: August 1-3, limited to $30 per book, $50 for school supplies, $100 on clothing, and $750 on computers

Florida: August 1-3, limited to school supplies of $15 or less, $100 per clothing article, and $750 for computers and accessories

Georgia: August 1-2, limited to $20 school supplies, clothing priced at $100 or less, and computers capped at $1,000

Iowa: August 1-2, limited to footwear and clothing priced up to $100

Louisiana: August 1-2, sales tax is waived on purchases of all items for personal (rather than business) use, priced up to $2,500.

Missouri: August 1-3, limited to school supplies of $50 per purchase, clothing and footwear priced up to $100 each, computer software up to $350, and computers or accessories up to $3,500

New Mexico: August 1-3, limited to school supplies up to $30 per item, clothing and footwear up to $100, computer hardware up to $500, and computers up to $1,000

Oklahoma: August 1-3, limited to clothing and footwear up to $100 per item

South Carolina: August 1-3, with sales tax exemptions for all clothing, footwear, school supplies, computers and electronics, college dorm supplies like pillows, blankets, and shower curtains, and even delivery charges on all of the above

Tennessee: August 1-3, limited to clothing, footwear, school and art supplies priced up to $100 each, as well as computers up to $1,500

Virginia: August 1-3, limited to school supplies up to $20, and clothing and footwear of $100 or less per item

And here are a few more states offering tax holidays a little later this summer:

Texas: August 8-10, limited to clothing, footwear, backpacks, and school supplies up to $100

Maryland: August 10-16, limited to clothing and footwear priced up to $100

Connecticut: August 17-23, limited to $300 on clothing and footwear

Massachusetts: Lawmakers in the Bay State have promised shoppers will get a tax-free weekend sometime in August, but they haven’t gotten around to settling on a date yet.

TIME Opinion

The Beta Marriage: How Millennials Approach ‘I Do’

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Archive Holdings Inc.—Getty Images

We are a generation reared on technology and choice. Why wouldn’t we want to test a lifelong relationship first? How millennials are redefining "forever"

You could say I beta-tested my relationship.​

It began with a platform migration ​(a cross-country move) and a bandwidth challenge (cohabitation in a 450-sq.-ft. apartment). There was a false start (botched marriage proposal). Then, an emergency deglitching (couples therapy). We tried to take the product public before we were ready (I wrote about our relationship in Newsweek). And then, finally, we abandoned launch. There were simply too many bugs.

It’s a joke, kind of — except that when it comes to millennials and marriage, the beta test may be par for the course. And really, why wouldn’t it be? For a generation reared on technology, overwhelmed by choice, feedback and constant FOMO, isn’t testing a marriage, like we test a username, simply … well, logical?

The findings of a new survey certainly reveal so. In conjunction with a new television drama, Satisfaction, which premiered on USA Network last week, trend researchers asked 1,000 people about their attitudes toward marriage. They found all sorts of things: among them, that people cheat on the Internet (uh huh), that young people don’t think their relationships are like their parents’ (of course), and that everyone seems to have taken to the term uncoupling (yuck).

marriage

They also uncovered a surprising gem. Buried in the data was the revelation that almost half of millennials (43%, and higher among the youngest subset) said they would support a marriage model that involved a two-year trial — at which point the union could be either formalized or dissolved, no divorce or paperwork required. Thirty-three percent said they’d be open to trying what researchers dubbed the “real estate” approach — marriage licenses granted on a five-, seven-, 10- or 30-year ARM, after which the terms must be renegotiated. And 21% said they’d give the “presidential” method a try, whereby marriage vows last for four years but after eight you can elect to choose a new partner.

In total, nearly half of all of those surveyed, ages 18 to 49 — and 53% of millennials — thought marriage vows should be renewed, and nearly 40% said they believed the “till death do us part” vow should be abolished. In other words: Beta marriages! Unions you can test and deglitch, work out kinks or simply abandon course without consequence. “This is a generation that is used to this idea that everything is in beta, that life is a work in progress, so the idea of a beta marriage makes sense,” the study’s author, Melissa Lavigne-Delville, tells me. “It’s not that they’re entirely noncommittal, it’s just that they’re nimble and open to change.”

It’s not a new concept, entirely. In the 1970s, the anthropologist Margaret Mead predicted the growing popularity of “serial monogamy,” involving a string of monogamous marriages. Helen Fisher, the biological anthropologist, has advocated for much of the same: she believes humans aren’t meant to be together forever, but in short-term, monogamous relationships of three or four years. Stephanie Coontz, the author of Marriage: A History, has advised a marriage contract “reup” every five years — or before every major transition in life — “with a new set of vows that reflect what the couple has learned.”

More recently, Mexico City lawmakers proposed (unsuccessfully) a “renewable” marriage concept, whereby couples could simply renew or dissolve their unions after a period of two years. It’s not so unlike the setup described by a young writer in a Modern Love column in the New York Times last month, about how she overcomes “marriage anxiety” by renewing her vows with her husband every year like clockwork. “I think people are indeed trying to avoid failure,” says Andrew Cherlin, the author of The Marriage-Go-Round.

And, why wouldn’t they? The U.S. has the highest divorce rate in the Western world. The data show clearly that the longer we wait to get married the more successful our marriages will be. And it’s not like we can’t move in together in the meantime: the rate of unmarried cohabitation has risen 1,000% over the past four decades. Not all of our marriages will work, no — but when they do, they’ll work better than at any other time in history, say scholars. And when they don’t, why not simply avoid the hassle of a drawn-out divorce?

“Millennials aren’t scared of commitment — we’re just trying to do commitment more wisely,” says Cristen Conger, a 29-year-old unmarried but cohabitating podcast host in Atlanta. “We rigorously craft our social media and online dating profiles to maximize our chances of getting a first date, and ‘beta testing’ is just an extension of us trying to strategize for future romantic success.”

In an era where, according to the survey, 56% of women and men think a marriage can be successful even if it doesn’t last forever, that might just make sense. Scholars have observed for some time that attitudes toward divorce have become more favorable over the past decade. Millennials in particular are more likely to view divorce as a good solution to matrimonial strife, according to the sociologist Philip Cohen — and more likely to believe it should be easier to obtain.

And, of course, it’s easy to understand why. We’re cynical. We are a generation raised on a wedding industry that could fund a small nation, but marriages that end before the ink has dried. (As one 29-year-old survey respondent put it: “We don’t trust that institution.”) We are also less religious than any other generation, meaning we don’t enter (or stay) committed simply for God. We feel less bound to tradition as a whole (no bouquet tosses here).

And while we have among the highest standards when it comes to a partner — we want somebody who can be a best friend, a business partner, a soul mate — we are a generation that is overwhelmed by options, in everything from college and first jobs to who we should choose for a partner. “This is a generation who has not had to make as many long-term commitments as previous generations, so the idea of not having an out feels a little stringent,” says Lavigne-Delville. “Divorce has happened for a long time. Maybe we should rethink the rules.”

Indeed, at the end of the day, whatever you want to say about the hookup generation, or millennials’ inability to commit, the vast majority (69%, according to Pew) of millennials still want to get married. We simply need a little extra time to work out the kinks.

“Getting married is so much more weighted today, I get the impulse to want to test it,” says Hannah Seligson, the 31-year-old married author of A Little Bit Married, about 20-somethings and long-term unmarried relationships. At the same time, she adds, “I wonder if this is a false control study in a way. Yes, marriage terrifying, it’s probably the biggest leap of faith you’ll ever make. But you’ll never be able to peer into a crystal ball — or map it out on a spreadsheet.”

Bennett is a contributing columnist at TIME.com covering the intersection of gender, sexuality, business and pop culture. A former Newsweek senior writer and executive editor of Tumblr, she is also a contributing editor for Sheryl Sandberg’s women’s foundation, Lean In. You can follow her @jess7bennett.

TIME White House

Michelle Obama’s Pro-Water (Soda Silent) Campaign Makes Waves

Michelle Obama
First lady Michelle Obama, a longtime supporter of healthier eating and physical fitness, is surrounded by children as she expands her push for America to drink more water, at a "Drink Up" event at the White House. J. Scott Applewhite—AP

“I’m confident that in the coming months and years we will see people across the country drinking more and more water."

First Lady Michelle Obama devoted Tuesday afternoon to telling Americans to drink less sugary soda, without actually saying anything bad about sugary soda.

It’s been nearly a year since the First Lady launched the “Drink Up” campaign, a subset of the signature effort to promote healthy choices for kids that focuses on water. But instead of attacking the sugary, carbonated drinks and juices that contribute to the widening waistlines of our nation’s kids, “Drink Up” attempted to flood the market with positive, pro-water messaging.

At an event in the White House State Dining Room, the first lady said those who have been involved in promoting “Drink Up”—from the American Beverage Association to the Obama’s Portuguese water dog Sunny —have succeeded in making water “cool.” “I’m confident that in the coming months and years we will see people across the country drinking more and more water,” Obama said.

Their efforts have been proof that when you market and promote healthy choices as fervently as junk food, “then kids actually get excited about these products, and families actually buy them and consume them,” Mrs. Obama added. Seven organizations, including Brita, Nalgene, Haws Corporation, and S’well bottle, recently joined the campaign to promote the consumption and accessibility of water. And so far, according to a study conducted by Nielsen Catalina Solutions on the impact of the “Drink Up” campaign, online ads have helped fuel a 3% lift in sales of bottled water, worth about $1 million.

It’s good news for a campaign that came out the gate to criticism from nearly all sides. Some argued Mrs. Obama’s messaging about the benefits of water, which she called a natural “energy drink,” was inflated. Others said she should be promoting drinking tap water over bottled for the sake of the environment. While many were critical of the fact that instead of vilifying soda companies like Coca-Cola and Pepsi she partnered with them, which seemed contradictory given the direct link from sugary drinks to obesity.

“It’s less a public health campaign than a campaign to encourage drinking more water. To that end, we’re being completely positive,” Lawrence Soler, president and CEO of Partnership for a Healthier America, said at the time of the campaign’s launch. “Only encouraging people to drink water; not being negative about other drinks. “

A year later, however, tensions have cooled. “It’s terrific that the First Lady is working to make water more available, more cool,” said Margot Wootan of the Center for Science in the Public Interest. “Increasing the appeal is one part of what needs to be done to reduce the consumption of other beverages.”

And meanwhile, First Lady Obama has gotten tougher on her efforts to promote healthier lifestyles. Though Tuesday was about fun and positivity—a group of local YMCA kids on the South Lawn even “surprised” the First Lady with a 60-by-40 foot water drop made out of 2,000 “Drink Up” branded reusable bottles—the anti-junk undertones didn’t go unnoticed. She even took time to mention the U.S. Department of Agriculture’s healthy school lunch standards she championed in 2010 and has been fighting since May to protect.

On Tuesday, the general message was, “don’t give up on our kids.”

“We need to keep working together within industries and across industries to help our kids lead healthier lives,” the First Lady said. ” And if we do all that, then I am confident — I continue to be confident that we can give our kids the bright, healthy futures they deserve.”

This story was updated to clarify that the survey on Drink Up was performed by Nielsen Catalina Solutions, a joint venture between The Nielsen Company and Catalina Marketing Corporation.

TIME Family

Watch a Dad Comb His Daughter’s Hair Using a Vacuum Cleaner

Looks like the world’s fastest way to do a ponytail.

Some dads may feel a certain disadvantage when it comes to doing their daughters’ hair. After all, they didn’t braid their own hair or put it into a ponytail when they were children, that is, unless they happened to be in a metal band.

But in this video, Rene Ortner showcases one crazy trick for making a perfect ponytail: Use a vacuum cleaner. He sweeps his daughter’s hair into the hose, then unrolls a hair-tie onto it. Voilà! Instant perfect pony.

(h/t Digg)

MONEY Shopping

Parents Worry More About Back-to-School Shopping Than Bullying

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Chip Forelli—Corbis

Students themselves, meanwhile, are most stressed about having to wake up early for school in a few weeks.

The back-to-school prep period is a particularly stressful time of year for parents and children alike. According to a survey that was commissioned by the coupon site ebates and is being released this week, nearly all of the adults and teens polled said that the start of the school year was stressing them out in one or more ways.

Perhaps unsurprisingly, the teenagers surveyed overwhelmingly said that they were most concerned that school would mess up the leisurely (lack of) schedule that they’re enjoying over the summer. The top two named sources of stress for teens were “Waking up early to get to class” (cited by 69% of those polled) and “Getting too much homework” (64%). Rounding out the top five were “Not liking my teachers” (42%), “Not having the right clothes” (32%), and “Not fitting in” (31%).

The top back-to-school stress point for adults, on the other hand, was “Shopping for clothes and school items,” cited by 56% of those surveyed. The stress of shopping outranked hectic student schedules (50%), helping with homework (38%), bullying at school (31%), and bad teachers (29%).

At first glance, the results indicate that students and parents alike seem to be saying that shopping and having the right clothes are of higher importance than potentially huge problems like bullying and subpar teachers. Are most of us really that superficial?

Maybe, maybe not. A closer look at why consumers are so stressed about shopping shows that the big concern essentially comes down to money rather than pressure to be up on the latest fashion trends. According to data released last week by the National Retail Federation, “the average family with children in grades K-12 will spend $669.28 on apparel, shoes, supplies and electronics, up 5 percent from $634.78 last year.” The typical family with a high school student is expected to spend even more, $682.99.

Given the hefty back-to-school bill parents are facing and the fact that, for example, students are now expected to arrive at school in possession of 18 items on a classroom checklist, on average, no wonder shopping is stressing so many families out right about now. More than half of parents said that their No. 1 concern about back-to-school shopping was simply not being able to afford everything they’re expected to buy.

What’s more, it must be pointed out, many of these stress points are related. Parents and kids worry about shopping and clothes at least partly because they’re concerned about bullying and fitting in at school. And bullying and bad teachers, while possibly disastrous for the student experience, are far less common, one hopes, than the problem that seemingly every middle-class family budget confronts: affording all the stuff our kids want and/or that our kids’ school requires.

Nine out ten Americans in the ebates survey said that they’ll save during back-to-school shopping via coupons, discounts, and sales, among other methods. Retailers understand that consumers are primed to look for back-to-school deals at this time of year—in fact, many stores launched back-to-school offers before the last school year even ended—and virtually every Sunday circular is filled with school-related sales and deals lately. So no matter what your student needs to prepare for the fall, there’s almost no reason to pay full price.

If you’ve held off so far from making some or all of your back-to-school purchases, there’s good reason you might want to wait a little longer. No fewer than 16 states are offering sales tax holidays this summer, with the vast majority waiving sales tax on various back-to-school purchases for a few days around August 1.

TIME poverty

Here Are the 5 Worst States for a Child’s Well-Being

Children try to do their homework at an evacuation shelter in a high school gymnasium in Kentwood, Louisiana on August 30, 2012.
Children try to do their homework at an evacuation shelter in a high school gymnasium in Kentwood, Louisiana on August 30, 2012. Frederic J. Brown—AFP/Getty Images

Child poverty rates are rising, but some states are better than others when it comes to kids' overall well-being

A new annual report on kids’ well-being finds that child poverty rates are rising across the country, with nearly a quarter of American children living in families below the poverty line.

The KIDS COUNT Data Book released by the Annie E. Casey Foundation shows that poverty rates had dropped from 1990 to 2000, but began increasing again in the early 2000s. Data shows their health and education are improving, with teen birthrates and death rates at all-time lows and more children showing proficiency in reading and math.

But with families still recovering from the recession and fewer resources available from government programs like Medicaid—as well as higher housing and transportation costs—the report finds that kids are growing up in poor households that are having trouble escaping poverty.

Northern states tend to rank better than ones in the South for kids in terms of economic status, education, health and family and community, which the authors of the study attribute to smart investments in children’s health and educational programs. Here are the five states that rank the highest and lowest for kids’ overall well-being:

Lowest

50. Mississippi

49. New Mexico

48. Nevada

47. Louisiana

46. Arizona

Highest

1. Massachusetts

2. Vermont

3. Iowa

4. New Hampshire

5. Minnesota

TIME Religion

Pro-Life Nurse Sues Family Planning Clinic for Hiring Discrimination

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Birth control pills Raymond Forbes—age fotostock RM/Getty Images

She said she would not prescribe birth control

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This article originally appeared on Patheos.

We have a new frontrunner in the race for dumbest Christian Right lawsuit.

Sara Hellwege, a pro-life nurse, applied for a job at Tampa Family Health Centers (in Florida) this past April. TFHC is a Title X clinic, meaning they’re all about things like family planning, contraception, and birth control.

So when Hellwege mentioned her affiliation with the “American Association of Pro-Life Obstetricians and Gynecologists” in her resume, the interviewer (Chad Lindsey) asked her if that would be a problem since, you know, conservative Christians + birth control = crazytown.

Hellwege said she couldn’t prescribe birth control since, in her unscientific mind, it caused abortions. Lindsey, knowing that all of the job openings involved prescribing birth control, told her there were no other positions available and that there was no reason to proceed with the interview process.

So she’s suing him.

I repeat: She’s suing him because he’s not hiring her for a job she refuses to do.

It makes as much sense as a vegetarian suing Taco Bell for not hiring him even though he told the manager he couldn’t be near meat.

The misnamed Alliance Defending Freedom reiterated the whole misunderstanding about how birth control works while completely ignoring the job description:

Willingness to commit an abortion cannot be a litmus test for employment,” added ADF Senior Counsel Steven H. Aden. “All we are asking is for the health center to obey the law and not make a nurse’s employment contingent upon giving up her respect for life.”

I know we’re talking about birth control, and most forms of birth control are not abortifacients, but let’s roll with it for a second. If the job involves helping women obtain abortions, and you don’t want to help women obtain abortions for whatever reason, go find another job. Hellwege can’t do the very thing they need her to do.

No one owes her a job when she refuses to do it.

Maybe I should apply for an attorney position at ADF. My own sincere beliefs prevent me from defending Christians who have martyr complexes, but screw it. ADF owes me a paycheck.

Gregory M. Lipper of Americans United for Separation of Church and State put it simply: “Even after Hobby Lobby, this lawsuit retires the trophy for chutzpah.”

Hemant Mehta is the chair of Foundation Beyond Belief and a high school math teacher in the suburbs of Chicago. His latest book is called The Young Atheist’s Survival Guide.

Read more from Patheos:

TIME Family

Couples With Marital Stress More Likely to Have Daughters

Parents Baby Daughter
Mother and father are shown kissing their baby daughter. Chris Ryan—OJO Images RF/Getty Images

“Girls may well be surviving stressful pregnancies that boys can’t survive”

They’re always blaming the children. After years of research showing that couples with daughters are more likely to divorce, Duke researchers Tuesday offered up an interesting explanation as to why: female embryos are better at toughing it out.

Duke economist Amar Hamoudi co-authored the study, which analyzed longitudinal data from a random sample of Americans between 1979 and 2010. Their results showed that women who reported higher levels of relationship stress, linked to a increased prevalence of later divorce, were more likely to give birth to girls.

“Girls may well be surviving stressful pregnancies that boys can’t survive,” Hamoudi said. “Thus girls are more likely than boys to be born into marriages that were already strained.”

Research has widely documented men’s higher mortality rates from birth to age 100, and recent studies have shown that the “female survival advantage” may even begin in the womb. Hamoudi suggests that science needs to take a closer look at this critical life stage.

“It’s time for population studies to shine a light on the period of pregnancy,” Hamoudi said. “The clock does not start at birth.”

TIME Family

3-Year-Old Helps Rescue Elderly Man Trapped in Overheated Car

Getty Images

He's a hero

A three-year-old boy in Tennessee called for help just in time when an elderly man was overheating and could not open the door of his car on a 90-degree day, Good Morning America reports.

Bob King, 68, had been sitting in the car waiting for his wife to come back from an event at Vestal Baptist Church in Knoxville. He was having trouble opening the door, which gets stuck a lot, when he saw Keith Williams, 3, pass by. He yelled for help, and the youngster went and got Pastor Jack Greene who was finally able to open the door. He took King into the church to cool off.

The amazing coincidence of this story: Williams’s mother Jessie said she had just taught Keith hot car safety.

 

TIME Family

This 4-Year-Old Girl Went Around the City Clerk’s Office Asking Brides If She Could Be a Flower Girl

A different kind of proposal

A four-year-old Brooklyn girl wanted to be a flower girl so badly that she walked around the Manhattan City Clerk’s Office asking couples if she could participate in their weddings, NBC News reports.

Decked out in a floral dress and white gloves, Annabelle Earl carried a dozen pink and purple roses purchased at a bodega and held up a green poster that said “Can I Be Your Flower Girl.”

Finally, one bride said “yes.” When the moment finally came, the youngster was briefly overcome with stage fright, but got through the rest of the ceremony without a hitch. Afterwards, her mother Kim bought her “wedding cake” at a nearby bakery.

No word on whether the Mayor of New York City Bill de Blasio will invite her to be a flower girl at the weddings he officiates.

 

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