Back to newsletter listDate:
Sun, January 07, 2007 09:00:01 PMFrom:
editor@stretcher.com
Subject:
1/08/07: The Dollar Stretcher
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The Dollar Stretcher
"Living Better...For Less"
January 8, 2007
Volume 12, Number 2
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"The Dollar Stretcher" and Dollar Stretcher, Inc. does not
assume responsibility for advice given. All advice should be
weighed against your own abilities and circumstances and
applied accordingly. It is up to the reader to determine if
advice is safe and suitable for his/her own situation.
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In This Issue:
Introduction
The Great Papers Debate
by Jim Lange
Which ones should you keep and for how long?
Beat Energy Costs: Lighting
by Janean Nusz
Simple adjustments that will save you money
Top 5 List of Worst Credit Card Gotchas
by Walter Burch
Watch for common "traps" in the card industry
Top 5 Ways to Dress Your Windows on a Budget
by Kathy Wilson
Stretch your window treatment budget
Tips, Quips, Quotes & Questions
On www.Stretcher.com This Week
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Introduction
by Gary Foreman
gary@stretcher.com
Hello to all my Frugal Friends!
First thing I want to do is to thank all of you who sent in
suggestions on how to improve the top toolbar on the website.
If you'd still like to send in an idea, please send it by
mailto:editor@stretcher.com?subject=toolbar
Second, as we mentioned last week, groceries and food are a
good place to look for potential savings. Not only for paying
off holiday debts, but it's just a good way to cut your
expenses a bit. A few years ago we did a survey of readers to
see how much they spent on groceries. It's a question that we
see often.
So we're going to update our Grocery Spending Survey and we'd
like your help. Please take a moment to visit
www.stretcher.com/stories/07/07jan08j.cfm All we want to know is
how many people in your family and how much you spend each
month on groceries. No personal information will be collected.
Once we tabulate the data, we'll report the results back to
you.
Hope that your new year is off to a wonderful start!
All the Best!
Gary
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The Great Papers Debate
by Jim Lange
Which ones should you keep and for how long?
Who doesn't feel like they are drowning in paper? Receipts,
bills, deeds, tax returns, pay check stubs, the list goes on
and on, we keep them because we are too afraid to throw them
away. You never know when you might need them, and there is
always the growing threat of identity theft that makes you
think twice before tossing them in the garbage (invest in a
shredder!). We may be keeping these papers, but many of us
aren't organizing them in a way that they can be retrieved
quickly when needed. If you're like many Americans, any time
you go to organize your pile of important papers, its size
overwhelms you, and you decide to tackle an easier task.
Don't worry, there is a way to chip down that paper pile so
that organizing your important documents won't seem like such
an uphill battle.
Many people have no idea which important documents they should
keep and which they shouldn't. So they end up either keeping
everything or throwing away documents that they should have
kept. Simply knowing the time frame for keeping certain
documents is the first step to getting organized.
Here's a summary of tax and accounting documents with rough
guidelines of how long you should keep them. Keep the list and
post it somewhere, preferably where it won't get buried:
Documents you never want to part with. There are some
documents everyone knows to keep for life: birth certificates,
marriage licenses, and wills, for example. And others that you
may know are very important, but aren't quite sure what their
shelf life should be, particularly those tax related
documents, such as tax returns, the cost basis of investments,
and records of non-deductible IRA contributions. The bottom
line, you should keep them all. These documents may not need
to be readily accessible, but you should definitely find a
safe place for them. You may want to keep birth certificates,
death certificates, wills, and insurance policy information in
a safety deposit box at your local bank.
Records that should go out with the old. This category
involves documents such as house deeds and car titles. With
these documents, the general rule is that as long as you are
responsible for the item related to the document you should
keep its papers. What falls into this category? These
documents are high on the list of important papers. But there
is no need for you to keep them forever. When you sell your
house, chances are you will be buying a new one and will
therefore have a new deed to keep up with. Don't let the old
one clog your filing cabinet.
Records with a seven-year itch. These are documents that you
can get rid of after seven years. When filing these, you may
want to file them by date to ensure you don't keep them longer
than necessary. Documents in this category include canceled
checks/receipts with tax implications (alimony, charitable
contributions, mortgage interest and retirement plan
contributions) and credit card statements if tax related
expenses are documented.
Records to toss after the ball drops. Generally, the fastest
growing piles of documents are those records that should be
purged at the end of every year. These include quarterly
statements of retirement plans, bank statements and bills with
no long-term tax importance. These documents generally make up
the bulk of those that are piled up in your home or office
because they are coming to you repeatedly throughout the year.
It's silly to keep them indefinitely. After a year, they
become trash and that is where they should go. Just remember,
with the increasing threat of identity theft, shredding,
rather than tossing, is the way to go.
Even if you know which papers to keep and which you can get
rid of, there will still be a lot of important documents for
you to manage. What's the best way to keep everything
organized? If you have access to a computer and a scanner, you
can make electronic back-up copies of all paper documents by
scanning them into your computer and saving the file to one of
those handy-dandy portable memory sticks.
Then, in the event of an emergency, you can simply grab that
little memory stick and know that you will have numbers and
records at your disposal. The sticks are also a great place to
store your information for online accounts. Some of the larger
capacity memory sticks also come with password protection so
you don't have to worry about other people getting access to
your information. It may be one of the best little investments
of your time and money.
As for the hard copies of these important documents, be sure
to keep them in a fire proof storage box. The best case
scenario would have you saving your information both
electronically and in hard copy form. Either way, be sure to
develop a filing system that is easy to use. If your system is
too complicated, you won't keep it up. Once you're organized,
you will be thrilled with the peace of mind that comes with
knowing you have all of your important documents organized and
that they are ready any time you need them.
____________________
James Lange, CPA/Attorney, is a nationally recognized IRA,
401(k), and retirement plan distribution expert. With over 27
years of experience, Jim offers unbeatable recommendations
when he tackles the number one fear facing most retirees:
running out of money. Lange has also authored "Retire Secure!
Pay Taxes Later: The Key to Making Your Money Last as Long as
You Do" (Wiley, 2006, ISBN: 0-470-04354-7, $24.95) is
available at bookstores nationwide and from all major online
booksellers.
Take the Next Step:
- If you don't have one - invest in a shredder!
- Tackle the paper pile! Make a list and start getting rid of
what you don't need
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Beat Energy Costs: Lighting
by Janean Nusz
Simple adjustments that will save you money
Decrease your electric bills by increasing the lighting
efficiency of your home. An average household uses 10-12% of
energy costs to provide lighting for their home. With just a
few simple adjustments, you can save money and electricity
while reducing the lighting energy used in your home by 50% to
75%!
- Turn off lights in any room you are not using. This seems
like common sense, but many times, lights are left on in the
garage over night or on the front porch while you are away.
Make sure that every light that isn't in use is turned off.
Consider installing timers, photocells or motion sensors to
reduce the amount of time your lights are on if you find that
you are constantly forgetting to turn them off. If you are
worried about decreased security when outdoor lights are
turned off, motion sensors and photocells might be a good
choice for you. (A photocell sensor activates only when a
certain level of darkness is reached.)
- Use focused lighting instead of lighting for the whole room.
For instance, use a single-bulb reading light to focus
lighting on one armchair when reading instead of using an
overhead light fixture. Overhead light fixtures often have
more than one bulb, which multiplies your energy consumption
unnecessarily.
- Use compact fluorescent or tube fluorescent bulbs instead of
traditional incandescent bulbs. Fluorescent bulbs use less
power and last six to ten times longer than traditional bulbs.
Compact fluorescent bulbs often cost more than traditional
light bulbs, but since they last much, much longer and use
less electricity than the traditional bulb, they pay for
themselves over the life of the bulb. For instance, use four
14-watt compact fluorescent bulbs to replace four 60-watt
incandescent bulbs and you will reduce electricity consumption
by 1,800 kW hours over the life of the bulb. If you're paying
$0.08 per kilowatt-hour, this means that you'll save about $36
per bulb. Longer lasting bulbs also result in savings later
on, since replacement costs are greatly reduced.
- Look for Energy Star labels when purchasing lighting
fixtures, bulbs, dimmers and lighting accessories. Energy Star
ratings will help you determine the amount of energy the
device will save.
- Invest in a few three-way lamps. Three-way lamps make it
easier to keep lighting levels low when brighter lighting is
not needed, yet also provide bright light when the occasion
demands it.
- If you use nightlights, consider using 4-watt mini-
fluorescent bulbs rather than traditional incandescent bulbs.
Electro-luminescent lights are also a good choice for
nightlights. As an added benefit, both electro-luminescent and
mini-fluorescent lights are cool to the touch, which reduces
the risk of fire.
- Utilize daylight to maximize lighting efficiency. Use light-
colored, loosely woven curtains on your windows to allow
ambient light to access the room. Decorating with light colors
will also help utilize daylight by reflecting the light around
the room. Tubular and traditional skylights can also be
installed to take advantage of daylight. A 10- to 21-inch
tubular skylight will direct 300 to 500 watts of natural light
into a room, saving you a bundle on your energy bill over
time. Tubular skylights are becoming increasingly more
economical and prices now start at around $100 per unit. They
can usually be installed by the do-it-yourselfer in as little
as 30 minutes.
- Consider replacing halogen bulbs with compact fluorescent
lighting. Fluorescent lighting uses 60% to 80% less energy
and produces more lumens (light) than halogen lighting. As an
added benefit, fluorescent lighting remains cool, while
halogen lighting operates at high temperatures, which increase
your risks of an accidental fire.
- Use outdoor lights powered by photocells so that they will
turn on only at night. For added savings, use solar powered
outdoor lighting equipped with photocells. These lights will
capture solar power during the day and use the stored energy
to light the outdoors when the sun goes down.
Consider replacing outdoor lamps powered by natural gas with
solar powered counterparts. Just seven to eight of these gas-
powered lamps, if left burning for an entire year, have the
potential to use as much energy as it would take to heat an
average-sized home during one winter!
With energy costs increasing each year, every little bit of
saved energy counts! Follow the above tips and start saving
money on your lighting costs right now.
________________
Janean Nusz is a freelance writer, reviewer and graphic
designer living in the Midwest. Visit her website at
http://www.authorsart.com for more information.
Take the Next Step:
- Learn more about Energy Star Light Bulbs and Fixtures
http://www.energystar.gov/index.cfm?c=lighting.pr_lighting
- Consider photocells, timers, or even solar lights for your
outside lighting!
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Top 5 List of Worst Credit Card Gotchas
by Walter Burch
Watch for common "traps" in the card industry
Many credit card companies continue to send the clear message
that they don't care about customers. Sadly, they are making
more and more money off of the financial missteps,
misfortunes, and even innocent changes in a consumer's "risk
profile" to trigger a growing number of "gotcha" fees and
penalties that have become financially devastating to
increasing numbers of cardholders and their families. It is by
design that the major credit card companies are located in
states such as Delaware or South Dakota that have little or no
restrictions, including how much interest they can legally
charge. It's important to compare credit card offers and read
the fine print carefully before accepting the cardholder
terms. Check credit card statements carefully, and pay charges
as soon as possible to avoid late fees and penalties. Also,
monitor your credit reports for any changes, because even
slight changes can affect your credit card interest rates.
Watch for the following "traps" common in the card industry:
1. Universal Default Interest Rate Ladder - Your credit card
company can double, even triple your APR due to a slight
change in your credit score even if you have a perfect payment
record. What's more, your new rate applies to your entire
balance, not just new charges. If you see an agreement with
this clause, don't accept the card. Take your business
elsewhere. Chances are, you may already have a card with this
clause, so beware! Your credit card company will periodically
scan your credit report for one of several Universal Default
triggers, such as one late payment on another credit card,
your mortgage or utility, exceeding your limit on just one of
your cards, a credit score that declines, taking on a new
mortgage or auto loan, too much overall debt, or simply
applying for credit. When do most consumers discover Universal
Default? When they get their statement and begin to
hyperventilate. By then, it's too late. The iron door has
slammed shut.
2. Outrageously High Interest Rates - Is there a law against
pillaging? No, there is no federal limitation on the interest
a credit card company can charge. Maybe in the state where you
live, but probably not in the state where your credit card
company is located and that's what counts.
3. "Please Be Late" Policy - Late fees have become a cash cow
for the credit card companies. So much so that many companies
now mail your statement as close to the due date as possible.
If you receive it only ten days before it's due, you better be
on the ball or you're headed for a juicy late fee. Late fees
that averaged about $13 in 1995, now average $34!
4. Two-Cycle (Double-Cycle) Billing - How would you like to be
charged interest on debt you have already paid off? It can
happen if your credit card has double-cycle billing. This
confusing average daily balance method calculates interest by
taking the sum of the average daily balance for two billing
cycles.
5. Confounding Cardholder Agreements - Credit card issuers go
to great lengths to design cardholder agreements that few
people can decode. As a result, the true cost of credit cards
is hidden from the consumer, until the statement arrives. If
card companies insist it is necessary to care for risk by
charging exorbitant rates and fees, do they also insist that
they should be carefully hidden, hard to detect?
Despite all of this, credit cards can be useful to carry. They
can help you track expenses, establish credit, demonstrate
your credit worthiness to lenders, and even provide you with a
shield of protection in making purchases. However, considering
the growing level of interest rates, crippling and confusing
fees, penalties, and other anti-consumer practices often used
by credit card companies, they can also do serious damage to
your future. The bottom line: Use credit cards wisely, pay
down or eliminate your debts, and know that credit cards can
be weapons of financial destruction if you're not careful.
______________________
Walter Burch is the Editor-In-Chief of
www.creditlearningcenter.com, a website that provides
information, as well as audio and video resources to help
consumers understand, manage, and protect personal credit. The
site recently released a special report on the Top Ten List of
Worst Credit Card Company Practices at
www.creditlearningcenter.com/2.php
Learn how to fight back against credit card companies at
www.creditlearningcenter.com/1.php and Make Sure your
Credit Report is accurate at
www.creditlearningcenter.com/3.php so you get the credit you
deserve. Get your free
credit score and free credit report at
www.creditlearningcenter.com/sponsored_offer1.php, with a 30-
day credit monitoring trial.
Take the Next Step:
- Check your credit cards to see if there are any of these
hidden fees and charges lurking to "trap" you
===========================================================
Top 5 Ways to Dress Your Windows on a Budget
by Kathy Wilson
Stretch your window treatment budget
You don't need to spend a fortune to dress the windows in your
home. Here are my top 5 ways to stretch your window treatment
budget!
Start with the basics, and add as your budget allows. It's ok
if all you have on your windows are simple mini blinds. You
can add to your window treatments slowly as you can. After the
blinds, try some sheers. Next, try gathered curtains. Finally,
perhaps you want to add some tassels or cording as tiebacks.
The best rooms evolve with time!
Look at items other than store bought curtains to cover your
windows. Lacy tablecloths, flat sheets, even quilts can be
used to keep out the sun, cold, or prying eyes. Cloth napkins
or inexpensive tea towels can be sewn into pretty curtain
panels, and simple swags of flowing fabric bought on clearance
can be draped over for a beautiful valance.
Look for creative ways to hang your window treatments. Curtain
hardware can be expensive when you are looking at all the
windows in the average house! Try sewing loops of ribbon to
the top of your curtains and hanging with cheap cup hooks, or
using a dowel covered with tightly shirred fabric. A staple
gun can be used, and then cover the staples with a valance.
Cover a sheet of corrugated cardboard with batting and fabric
for a creative cornice.
Add detail with what you already own. Sew a strip of ribbon
down the edges of the curtain's panels, or add to the hem to
make them drape the floor. Use narrow ribbon, yarn, or floss
to create your own tassels to use as tiebacks. Costume jewelry
can be pinned on to add style and grace.
Finally, keep within the style and formality of your room.
Asian blinds in a country living room won't make you happy,
even if you got them for free! Remember, windows are usually
best kept simple to let the rest of the room shine, so use
details to set them apart. And enjoy using the rest of your
room budget in other places.
________________________
Kathy Wilson is an author, columnist, and editor of The Budget
Decorator. For thousands of free home decorating ideas, visit
her now at http://www.TheBudgetDecorator.com.
Take the Next Step:
- Get creative with what you have! Go on, pull out the craft
and material boxes
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Tips, Quips, Quotes and Questions
*********
Can You Help This Reader?
*********
Credit Score and Employment
Is it true that it's hard to find a job when you have a charge
off on your credit report? I'm having issues paying off my
credit card, and as it looks, they're going to charge me off
and they keep telling me that it will be hard for me to look
for work if I have that on my record. Are they telling me the
truth or just trying to scare me?
S.P.
Please send your answers mailto:CanYouHelp@stretcher.com with
"Debts" as the subject. We'll include the best solutions in
future issues.
*********
Yes, We Can Help This Reader
Fighting the Utility Company
*********
Most states regulate the operations of public utilities. Write
a formal complaint letter to the State Utilities Regulator
outlining the damages you sustained while the utility workers
were maintaining their facilities and ask for compensation for
all the damage you received due to the action of the utility
workers. Include the names and dates (if possible) of the
contacts you made with the utility and their response. Ask the
regulator to investigate the matter and inform you of the
results.
John
more suggestions on how to fight with the utility company at
http://www.stretcher.com/stories/07/07jan08a.cfm
*********
Easy Bacon
My son's Boy Scout troop taught me this trick for cooking
bacon. Spread the slices out on a baking sheet and place in
the oven at 350 degrees for about 15 to 20 minutes. The bacon
cooks evenly, and there are no worries of being burned by
grease splatter.
Barb J.
*********
Large Delicate Washables
Instead of buying a mesh lingerie bag for my delicate
washables, I use one of my pillowcases. I knot it loosely near
the opening. I can launder large items, such as sweaters, this
way with ease because there is much more room in a pillowcase
than in the standard mesh bag.
L.R.
*********
Before Online Checkout
Whenever I am shopping online, before I complete my purchase,
I always Google the name of the store and the words "coupon
codes." Often, I am able to find a discount for my purchase.
AnnaLaura B.
*********
What would you do with an extra $100? Last month Nancy from
Zephyrhills, FL won a $100 check just for sending in their
favorite time or money saving idea. This month it could be
you. Just send your suggestion by mailto:Tips@stretcher.com.
If we use your tip in any of our publications, we'll send you
the next three issues of our print newsletter as a "thank you"
and you'll automatically be entered into our monthly $100
drawing!
Receive Dollar Stretcher Tips twice each week. More great
ideas for saving money! Just send
mailto:sub-ds-tips@hub.thedollarstretcher.com
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On www.Stretcher.com This Week
editor's note: Hotmail and WebTV users may have trouble with
some addresses. Please access them from our front page
Your Money
----------
False Economies
by Barbara J. Sloan
Weed them out for a more frugal and satisfying life
Story Here - http://www.stretcher.com/stories/07/07jan08f.cfm
Top Five List of Worst Credit Card Gotchas
by Walter Burch
Watch for common "traps" in the card industry
Story Here - http://www.stretcher.com/stories/07/07jan08d.cfm
A Quick Look at Retirement Accounts
A review of the pros and cons of the various types of accounts
Story Here - http://www.stretcher.com/brm/07/07jan02a.htm
Fame & Fortune
The best-selling writer Clive Cussler blurs the line between
fact and fiction but he's never wavered on his life's passion:
hot rod cars
Story Here - http://www.stretcher.com/brm/07/07jan02b.htm
Save More, Spend Less in '07
Here are six ways to bulk up your savings and cut out the fat
in your budget in 2007
Story Here - http://www.stretcher.com/brm/06/06dec29a.htm
Don't Refinance into Negative Amortization Loan
You won't make enough in a money market account to compensate
Story Here - http://www.stretcher.com/brm/07/07jan02c.htm
Bank Accounts not on Credit Report
Closing an account won't affect your credit score
Story Here - http://www.stretcher.com/brm/06/06dec29e.htm
Does CD Ladder Make Sense These Days?
The problem is predicting what interest rates will do next
Story Here - http://www.stretcher.com/brm/06/06dec28c.htm
Your Home
---------
Fighting the Utility Company
Finding tools to help you win your battle
Story Here - http://www.stretcher.com/stories/07/07jan08a.cfm
The Great Papers Debate
by Jim Lange
Which ones should you keep and for how long?
Story Here - http://www.stretcher.com/stories/07/07jan08b.cfm
Beat Energy Costs: Lighting
by Janean Nusz
Simple adjustments that will save you money
Story Here - http://www.stretcher.com/stories/07/07jan08c.cfm
Top 5 Ways to Dress Your Windows on a Budget
by Kathy Wilson
Stretch your window treatment budget
Story Here - http://www.stretcher.com/stories/07/07jan08e.cfm
Extras Make Home Payments Climb
Insurance, condo fees and taxes all add to your monthly costs
Story Here - http://www.stretcher.com/brm/06/06dec28a.htm
Your Food
---------
My Story: Who You Know at the Grocery Store
contributed by Stephanie Andrews
Save hundreds of dollars at the grocery store this year
Story Here - http://www.stretcher.com/stories/07/07jan08g.cfm
Your Auto
---------
Oil and Filter Mileage Minder
Ask Bob: The Auto Answer Man
Can a gadget tell him when to change oil?
Story Here - http://www.stretcher.com/stories/07/07jan08h.cfm
Your Taxes
----------
Taxes 2007: Good Planning's Your Best Move
Planning ahead is the most certain way to cut your tax bill,
and you don't need a pro to do it for you
Story Here - http://www.stretcher.com/brm/06/06dec29b.htm
Tax Record-Keeping Tips
Don't drown under tons of old tax forms. Here are the records
to keep and the best ways to save them
Story Here - http://www.stretcher.com/brm/06/06dec29c.htm
Taxes on a Wrongful Death Settlement
It's tax free, but for some it could trigger estate taxes
Story Here - http://www.stretcher.com/brm/06/06dec29d.htm
Municipal Bonds Can Still Mean Taxes
The added income means you'll pay more on Social Security
benefits
Story Here - http://www.stretcher.com/brm/06/06dec28b.htm
Today's Tax Tip 2007
Each weekday through April 16 you'll find a new tax tip here
to help you complete your return
Story Here - http://www.stretcher.com/brm/07/07jan02d.htm
2007 Tax Guide
It's tax season again. Some of the rules have changed, but
don't worry. Bankrate's 2007 Tax Guide provides all the tools
and information you need to successfully file your 2006 return
Story Here - http://www.stretcher.com/brm/07/07jan02e.htm
7 Steps to Take on Day 1 of Tax Season 2007
Welcome to tax season! The first of Bankrate's daily tax tips
offers seven tasks you can take care of now instead of April
Story Here - http://www.stretcher.com/brm/07/07jan02f.htm
Planning IRA Withdrawals
If your IRA withdrawals will throw you into a higher tax
bracket than you are now in, you should think about making
withdrawals now or converting to a Roth IRA
Story Here - http://www.stretcher.com/brm/07/07jan02g.htm
Special Rules for Some Donations
If some of your year-end donations are items instead of cash,
you'll have to follow some different deduction rules
Story Here - http://www.stretcher.com/brm/06/06dec28d.htm
Everything Else
---------------
Readers' Tips
Story Here - http://www.stretcher.com/stories/07/07jan08t.cfm
===========================================================
Decision-Making Tools
For Your Home
-
Rent or Buy Your Next Home?
-
Mortgage Calculator
-
15-Year or 30-Year Mortgage?
-
Fixed or Adjustable Rate Mortgage?
-
Mortgage Points Adviser
For Your Car
-
How much car can you afford?
-
Buy or lease your next car?
-
Your next car: New or used?
-
Auto Loan Calculator
-
Is a hybrid car right for you?
===========================================================
Publication Information: Copyright "The Dollar Stretcher,
Inc." 2007. ISSN 1527-2974. All Rights reserved. Copies may be
distributed without alteration electronically free of charge.
This newsletter may be reproduced, without alteration, for
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The name and email address of the sender will not be used
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