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Elaine of TSA
Last seen 3 hours ago
Here since May 15, 2007
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Profile | Blog
Posted by Elaine of TSA
on Jan 29, 2008
This Page will be dedicated to Money Saving Tips to help stretch your budget.
Please feel free to contribute your tips, advice and links relating to saving money.
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How to get discounted or free admission to concerts and shows published in the June 2008 AARP Bulletin:
See:
http://bulletin.aarp.org/yourmoney/saveabuck/articles/save_a_buck__a_ticket.html
The Pets For the Elderly Foundation pays the fees to participating animal shelters throughout the United States for senior citizens (over 60 years of age) who adopt a companion dog or cat from a participating shelter — this includes the adoption fee, pre-adoption veterinary exam and spay/neuter.
http://www.petsfortheelderly.org/
Excerpted from the online newsletter "the Everyday Cheapskate" at:
http://www.cheapskatemonthly.com/ed_cheapskate.asp
Credit Card Issuer May be in Violation of the Law
Dear Mary,Recently I made a credit-card payment on time using online bill pay but later received a late payment fee and interest charge. I complained and it was removed, but the lady on the phone told me to pay the account five days before the due date. Why? Because they don’t "process" the payments necessarily on the day they receive them, even electronically! Where in the information are we instructed to make the payment at least five days ahead to avoid fees? Lucy K., Tennessee
Dear Lucy,From what you tell me, it appears your creditor is in violation of The Fair Credit Billing Act of 1974 (FCBA), which regulates credit cards, also known as "open end" credit. Section 164 of the FCBA requires businesses that offer open end credit to credit all payments to your account on the date they’re received. (They may post the payment on a later date if doing so would not cause you to incur any late fees.) Creditors are permitted to set some reasonable rules for making payments, such as setting a reasonable deadline (time of day) for payment to be received to be credited on the same date. You can read the FCBA online at www.ftc.gov.http://ads.everydaycheapskate.com/ClickTrack.php?EC_EC_ID=241&EC_Ad_ID=17
http://ads.everydaycheapskate.com/ClickTrack.php?EC_EC_ID=241&EC_Ad_ID=17
If your credit card is issued by a national bank, you can file a complaint with the Comptroller of the Currency, the federal office that regulates national banks. (National banks can usually be identified because they have the words "national" or "national association" in their titles or the letters "N.A". or "NT&SA" following their titles.) See "Filing a Formal Complaint" at www.occ.treas.gov/customer.htm for instructions. If your card is not through a national bank, contact the Federal Reserve Board (www.federalreserve.gov) to make your complaint.
Thank you for the info. It has also been added here:
http://prescription-assistance.new-jersey.aidpage.com/
http://www.habitat.org/env/restores.aspx
The above link can be found on the Habitat for Humanity's Web Site.
See info on Habitat Re Stores which will allow you to purchase building supplies at discounted prices and help Habitat for Humanity raise much needed funds with your purchase.
The following is taken directly from their info page:
Restore Directories:U.S. Restores / Canadian ReStores
Habitat ReStores are retail outlets where quality used and surplus building materials are sold at a fraction of normal prices. Proceeds from ReStores help local affiliates fund the construction of Habitat houses within the community. Many affiliates across the United States and Canada operate successful ReStores—some of which raise enough funds to build an additional 10 or more houses per year.
Materials sold by Habitat ReStores are usually donated from building supply stores, contractors, demolition crews or from individuals who wish to show their support for Habitat. In addition to raising funds, ReStores help the environment by rechanneling good, usable materials into use.
Donate Building Supplies
If you or your company have materials to donate to a Habitat ReStore, please contact your local restore. U.S. Restores / Canadian Restores
If you don’t see a ReStore located near you, contact the Habitat affiliate nearest to you.
20 ways to cut prescription costs
From women’s day magazine
1. Try to reduce the number of meds you're taking. If you've been on a drug for a long time, ask your doctor whether you still need it. Or, if you're taking several drugs for different problems, your doctor may be able to prescribe a combination pill to effectively treat multiple ailments.
2. Ask about generic drugs. Don't assume that your physician knows that you're uninsured or are having trouble paying for your prescriptions. Speak up, and let him know that you'd prefer the best value medication that he can prescribe—generics can cost 30 to 80 percent less than their brand-name counterparts.
3. Consider a less expensive brand. The Consumers Union drug comparison website (crbestbuydrugs.org) lets you compare different brand-name medications based on price, effectiveness and safety. You can also request a copy of your insurance plan's formulary to help your doctor choose the drugs that will save you the most money.
4. Ask for the cheapest form of the medication. You'd be surprised, but there can be a significant price difference depending on whether the drug is manufactured in gelcap, tablet or capsule form.
5. Ask about splitting your pills. Ask whether it's possible for your doctor to prescribe tablets that are double the dosage of the ones you are taking. By halving each tablet with a pill-splitter, you can get twice the number of pills for essentially the same amount of money (the price difference between different dosages of the same drug is usually very small). However, keep in mind that you can’t do this with every medication or every form (for instance, extended-relase forms, capsules and gelcaps cannot be split).
6. Ask for samples. Your doctor may have free samples of the drugs you're taking. These are brand-name pills that drug manufacturers give doctors to help promote their product—but keep in mind that when it comes time to fill your prescription, you may save more money by getting a generic version. Also, make sure that you inform your pharmacist that you're on a new medication, so he can alert you of any potential interactions.
7. Comparison shop. This is especially crucial if you're uninsured or underinsured. Depending on the size of the pharmacy and the size of their order of a particular drug, the final cost can vary by as much as 50 percent. Prices may even vary at individual pharmacies that are part of the same chain. Shop around to find out which store has the lowest price, or ask your regular pharmacy to match the prices given by its competitors. If you’re taking more than one drug, it may be cost-effective to buy different medications at different locations—but make sure that each pharmacist is aware of all the medications you're taking, so you can stay abreast of potential interactions.
8. Consider a switch. Ask whether a pharmacy will offer a discount for transferring your prescription from another drugstore. Just like long-distance providers and credit-card companies, pharmacies will often reward you for your business.
9. Try comparison-shopping websites. Sites like destinationrx.com, pharmacychecker.com or pillbot.com can help you find the most affordable place to purchase your prescriptions. Many individual states also have drug price comparison sites, which compare prices for common prescription medications among all or almost all pharmacies in the state.
10. Shop online. But use reliable, credible pharmacies. In 2006, the Consumers Union (which publishes Consumer Reports) did a price comparison of common prescription drugs. The median cost for generic drugs at Internet pharmacies was 34 percent cheaper than the median cost at large drugstore chains. Even buying through the website of a large chain (such as cvs.com or walgreens.com) may offer better prices than purchasing in-store. However, don't do business with any site that doesn't display the VIPPS (Verified Internet Pharmacy Practice Sites) seal. You can also go to pharmacychecker.com, which lists sites that require prescriptions, use encryption technology to safeguard your information, and display clear contact info and privacy policies.
11. Start a bidding war. At bidrx.com pharmacies compete to fill your prescription. Register for free, then post the name and dosage of your prescription. Pharmacies have 72 hours to bid on the price. Once you make your selection, you can pick up your medication in person, or have it mailed to you.
12. Purchase in bulk. If you take certain medications on a regular basis, bulk-buying can be significantly cheaper than buying month-to-month. Your pharmacist can tell you whether it's possible to get a longer-term supply. Most insurance companies also have mail-order programs that allow you to receive multiple months' worth of drugs at a time. You can usually enroll by logging on to your insurer's website or contacting your employer's benefits department.
13. Ask about OTCs. Check with your doctor to see if an over-the-counter drug might work as well as a prescription, especially if you're uninsured. However, if you are insured, check that your prescription copay isn't actually cheaper than a supply of OTC medication.
14. Get your discounts. If you're on Medicare, check whether you're a candidate for special discounts for low-income beneficiaries with the new Part D coverage. You can find a list of these programs—offered by more than 40 states—as well as a brief rundown on eligibility at the Medicare Rights Center's website. Click on "state prescription drug assistance programs." If your state doesn't offer a program or you need more assistance, click on "help paying for prescriptions" for a list of charity, discount and government programs.
15. Sign up for discount cards. A store-associated or government-associated discount card can lower the price of your pharmacy bills by 10 to 25 percent. Many pharmacies offer discount cards even if you’re not insured, and regardless of income, usually for free or a small fee. State and government agencies also offer free discount cards, but eligibility is usually based on age or income. However, not all drugs are eligible for markdowns, so make sure your medications are on the discounted list before you enroll. And don't sign up for discount cards with a telemarketer or by replying to spam e-mail—there are plenty of scams out there.
16. Look into patient assistance programs. Nearly every pharmaceutical company has an assistance program for low-income patients. If you qualify and have no coverage, in many cases you can even get your medication for free. For help finding a program, visit rxassist.org, pparx.org, benefitscheckuprx.org or needymeds.com
17. Visit your drug's website. You may find rebates, coupons or free sample offers. You can usually find the drug's site by just doing a quick Google search of the medication's name. However, keep in mind that these are typically one-time savings offers for new prescriptions.
18. Try a wholesaler such as Costco. Don't want to cough up the money it costs to join? Don't worry—you can get your prescriptions filled there even if you're not a member (though you may be charged a small fee). You'll just have to resist the urge to grab any impulse purchases on the way to the cashier.
19. Research special benefits if you're a vet or AARP member. The Veterans Administration negotiates with drug manufacturers and distributors on behalf of its members, offers low copays and covers 90 percent of the cost of most prescriptions. The AARP offers prescription savings cards and Medicare supplement insurance cards, as well as their own MedicareRx plans through United Healthcare.
20. Store drugs properly. Make sure those expensive pills don't break down or lose potency before the expiration date by keeping them in a cool, dry place.
http://www.womansday.com/health/12623/20-ways-to-cut-prescription-costs.html
This site will allow you to enter an item in the search section to comparison shop to get the best deal.
http://www.bizrate.com/
This site will allow you to check circulars and compare prices from your computer.
Click here: SundaySaver: National -Supermarkets & Grocery - Weekly Sales Circulars & Sunday Newspaper Ads
Aidpage Income Distribution (AID) Program! ----------------
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