Here’s a way to earn 3% on some of your money between now and the end of November.
Sign-up for the Sears Christmas Club before Oct. 31 and then figure out how much you’re likely to spend at Sears and its affiliates — Kmart, the great indoors and Lands’ End — by the end of the year.
Hit the stores or Web sites and total up everything from holiday gifts to that new refrigerator or HDTV you’ve been planning to buy.
Deposit that amount in your Christmas Club account by Nov. 14 and Sears will add a 3% bonus to your balance by Nov. 25.


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