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Money saving tips

Money saving tips

Here are some great tips for saving money. We gathered these from various sources, to learn more about each follow the links provided or contact a trusted financial advisor. 

Find your pension

To see if you or someone you know has an unclaimed pension-Search.pbgc.gov

Free credit monitoring

Creditsesame.com

Catch-up

If you are 50 or over you can contribute an extra $5,500 to your 401K plan as a catch up contribution in 2013

 Family ties

If adult children or grandchildren live with you it may mean special tax breaks. Ask your tax preparer about claiming dependents for family members you support.

Save on stamps

Paying bills online means not buying stamps

Free credit report

Don’t pay for credit reports. Get a free copy once a year from three companies- Equifax, TransUnion and Experian. Visit annualcreditreport.com

Selling your home?

The best day of the week to list your home for sale is Friday and the worst is Sunday. according to an analysis by a major real-estate brokerage firm. Listings on Fridays sell faster and for more money.

Save money on medications

Ask your doctor for free samples. Drug company reps drop them off all the time.

Skip the ER

If you have a non-life-threatening medical issue, like fevers, cuts, minor burns or headaches. Urgent care centers with walk-in features are more affordable and usually are open 7 days a week.

Grow it

If you put the stub of romaine lettuce in a glass of water and place it in a sunny spot it will grow back, the same is true of celery, spring onions and cabbage.

Weigh your options

If you need only a few vegetables or fruits for a recipe or meal, buying a small amount from the salad bar at your supermarket may be cheaper than buying a bag of precut vegetables.

Check it out

Instead of buying a book, why not visit your local library and borrow it.

Service advisory

If you get your car serviced at the dealer, ask to check for any service advisories. You might save on a repair that is covered.

Compare 401 (k) fees

Financial information company, BrightScope features free 401 (K) ratings directory that compares fees among plans. Check it out at brightscope.com/ratings

Reading!

In the Feb/March issue of Renaissance we reviewed the Book Still Alice.  This lead to a discussion with the NJ State Library about other relevant titles to suggest to you, your friends and family. They were very helpful in developing a list that also includes books for young readers. 

We thought we’d suggest a community-wide read focusing on these titles and so we have alerted the County Library Systems and the County Offices on Aging and shared these titles with them.

Let’s read, let’s laugh, let’s talk amongst ourselves. These books will inspire! Enjoy.

I Remember Nothing and Other Reflections by Norah Ephron. Reading these succinct, razor-sharp essays by veteran humorist (I Feel Bad About My Neck), novelist, and screenwriter-director Ephron is to be reminded that she cut her teeth as a New York Post writer in the 1960s, as she recounts in the most substantial selection here, “Journalism: A Love Story.” Forthright, frequently wickedly backhanded, these essays cover the gamut of later-life observations (she is 69), from the dourly hilarious title essay about losing her memory, which asserts that her ubiquitous senior moment has now become the requisite Google moment, to several flimsy lists, such as “Twenty-five Things People Have a Shocking Capacity to Be Surprised by Over and Over Again,” e.g., “Movies have no political effect whatsoever.” Shorts such as the several “I Just Want to Say” pieces feature Ephron’s trademark prickly contrariness and are stylistically digestible for the tabloids. Other essays delve into memories of fascinating people she knew, such as the Lillian Hellman of Pentimento, whom she adored until the older woman’s egomania rubbed her the wrong way. Most winning, however, are her priceless reflections on her early life, such as growing up in Beverly Hills with her movie-people parents, and how being divorced shaped the bulk of her life, in “The D Word.” There’s an elegiac quality to many of these pieces, handled with wit and tenderness. (Nov.) (Publishers Weekly)

Never Say Die: The Myth and Marketing of the New Old Age by Susan Jacoby (February 2011) As the older members of the baby boom generation approach 65, marketers are at the ready with an abundance of ‚Äúage defying‚Äù products and services. But is aging as trouble free as marketers tout and aging consumers would like to believe? For her part, journalist Jacoby, herself in her 60s, admits to rage at the efforts to redefine old age without facing up to the unavoidable realities. For example, after age 65, the prevalence of Alzheimer‚Äôs doubles every five years. She focuses on distinctions between the young old (60s and 70s) and the old old (80s, 90s, and the few 100s) as well as the very different prospects for the elderly who are poor or minorities. Jacoby explores social, cultural, economic, and political changes in the concept of old age, from passage of the Social Security Act to extended life expectancy and retirement, from the activism of the Gray Panthers to the ravages of Alzheimer‚Äôs. Drawing on research, personal experience, and anecdotes, she offers an important reality check for Americans enamored of the images of healthy, active seniors featured in advertisements. –Vanessa Bush (Booklist)

I’m Too Young to Be Seventy and Other Delusions by Judith Viorst. The beloved bestselling author of Forever Fifty and Suddenly Sixty now tackles the ins and outs of becoming a septuagenarian with her usual wry good humor.

Fans of Judith Viorst’s funny, touching, and wise poems about turning thirty, forty, fifty, and sixty will love this new volume for the woman who deeply believes she is too young to be seventy, “too young in my heart and my soul, if not in my thighs.” Viorst explores, among the many other issues of this stage of life, the state of our sex lives and teeth, how we can stay married though thermostatically incompatible, and the joys of grandparenthood and shopping. Readers will nod with rueful recognition when she asks, “Am I required to think of myself as a basically shallow woman because I feel better when my hair looks good?,” when she presses a few helpful suggestions on her kids because “they may be middle aged, but they’re still my children,” and when she graciously — but not too graciously — selects her husband’s next mate in a poem deliciously subtitled “If I Should Die Before I Wake, Here’s the Wife You Next Should Take.” Though Viorst acknowledges she is definitely not a good sport about the fact that she is mortal, her poems are full of the pleasures of life right now, helping us come to terms with the passage of time, encouraging us to keep trying to fix the world, and inviting us to consider “drinking wine, making love, laughing hard, caring hard, and learning a new trick or two as part of our job description at seventy.” (Amazon.com)

Rules of the Road – Joan Bauer. (Teen Fiction) Jenna Boller, 16, has had a lot of practice at being responsible. Her mother is a nurse who works the night shift, and her younger sister yearns for attention. Jenna’s long-divorced, alcoholic father embarrassingly shows up whenever he gets an occasional urge to “make it up” to her. In addition, her wise and beloved grandmother is grappling with Alzheimer’s disease. So the teen’s mother reluctantly agrees to let her accept a summer job driving the elderly Madeline Gladstone, the crusty and demanding president of the shoe chain for which Jenna works, from Chicago to Texas. Jenna is surprised to learn that Mrs. Gladstone has problems, too: an aching hip as well as an aching heart. Her conniving son is maneuvering to take over the company and sell out for a huge short-term gain. Jenna comes to admire and love her boss and eagerly enters into an alliance of loyal employees to save the company. In making this valiant attempt, she finds herself truly transformed.

¬†Granny Torrelli Makes Soup by Sharon Creech, grades 4 to 7¬†¬† “Bailey, who is usually so nice, Bailey, my neighbor, my friend, my buddy, my pal for my whole life, knowing me better than anybody, that Bailey, that Bailey I am so mad at right now, that Bailey, I hate him today. Twelve-year-old Rosie and her best friend, Bailey, don’t always get along, that’s true. But Granny Torrelli seems to know just how to make things right again with her interesting stories and family recipes. It’s easier to remember what’s important about love, life, and friendship while Granny Torrelli makes soup. ”

Now, head to your local library, it is a great place to keep cool on hot, humid summer days!