How to find a deal while shopping online

Dear Heloise: Shopping online? Of course. I’ve discovered that if I enter the name of the online company into the search engine, I might find a code for free shipping.

— Jane T. in California

Trust me

Dear Heloise: Do you want to leave your children and grandchildren money

after you pass? Don’t leave money to your kids outright — protect it in a trust.

For many reasons, but a big one is if your child were to ever get sued, assets in a trust are most likely protected from garnishment.

— Daniel R. in New York Readers, consult a tax attorney, estate planner and CPA for more information.

— Heloise

A really good bounce

Dear Heloise: Have you ever failed at something, lost a job or a relationship, or lost a significant amount of money or assets? Believe it or not, we are all resilient, and we can all come back.

They idea is not to think about how much you’ve lost, but how well you can recover. In other words, a tremendous loss can create a really good bounce.

— Thomas W. in New York

Shopping cart theory

Dear Heloise: Your column today definitely struck a major chord with me — when people are done with shopping carts. I am constantly amazed that people are willing to walk endlessly through the market, aisle by aisle, with a shopping cart, which holds their “valuably selected goods.”

However, once they’re done shopping and put the “stuff ” in their vehicles, generally they are too quick to abandon the carts at their best convenient locations — rarely in the cart return locations. (Lazy.) I find this infuriating.

— Sylvia B., via email Sylvia, thanks for your email. Read on for a different perspective.

— Heloise Send a money-saving or time-saving hint to Heloise, P.O. Box 795001, San Antonio, TX 78279-5001, or you can fax it to 1-210-HELOISE or email it to Heloise@Heloise.com. I can’t answer your letter personally but will use the best hints received in my column.