Thursday, January 14, 2010

Column 1-14

The most important advice I have for you as we start 2010 is to be responsible for your money. Know where it is going and why. There are new credit card laws that have been put in place to help you fix your credit card woes. Here are changes giving you more protection. ■ Remember pay off your credit card each month. If you can’t afford it don’t buy it.

■ Promotional rates on new cards must last at least six months. If you can pay off the balance by then, it might be a good deal.

■ When you make a payment above the minimum it must be applied to the highest-interest balance first helping you reduce your debt faster.

■ Paying your bill by phone is free of charge when the company offers this service.

■ Unless a responsible adult co-signs or the applicant can prove a reliable income, people under 21 can’t get a credit card.

■ If payment is 60 days late or you have a variable-rate card the new rate applies only to new purchases.

■ Your bill must disclose how long it will take to pay off the balance and how much interest you’ll pay, if you send in only the minimum.

Free online services that e-mail you when bills come due: whatbills;;

Travel savings

■ Want to save the planet and money? When you are traveling see where you can rent a bike to explore the scenery the old fashion way.

■ Become a member of Rails to Trails Conservancy to receive a $5 coupon on your next bike rental from rent a bike.

■ Plan your bus, subway, or train connections from more than 10 U.S. locations. Just enter the time of day, your starting location, and desired destination and it will stir up the fastest route with a detailed map.

■ Want to send a postcard without leaving your beach chair? GoPostal, is a free iPhone application that lets you mail a real postcard. Just take a photo on your iPhone, tap out a message and choose a recipient then for $1.29 they will snail-mail your postcard.

■ Need to find a public rest room? Visit before heading out for the day, just type in a zip code and find public restrooms in that area.

■ If cold weather has you itching to escape, check out a Web site for booking romantic vacations.

■ Most museums and galleries offer free admission on special days or weekends. Go to to see what is available.

■ Allegiant Air, is opening a new base at Orlando International Airport on February 2010. The airline will offer an introductory one way fare as low as $57.99 for flights between Orlando and Lexington.


■ Bluegrass Prideis encouraging people to resolve to reduce energy consumption, Anyone who signs and returns a resolution by Jan. 31 to the PRIDE office at 3120 Pimlico Parkway, Suite 126, will be eligible to win prizes, including weatherization kits and CFL light bulbs.

■ Get a free prescription offer for Symbicort lung maintenance medicine call 1-888-533-2983 or online at Symbicort

■ Get up to $50 off your prescription of href="">Vyvanse.

■ The VITA program offers free tax help for low to moderate-income (generally, $40,000 annually and below) people who cannot prepare tax returns. For more information call 211.

■ The Donovan Fellowship for Academic Students provides an opportunity for persons aged 65 and older to become students at the University of Kentucky. Tuition and fees are paid through funds authorized by the Commonwealth of Kentucky. Call Laura Lakes (859) 218-2091

■ Download a free discount card from the internet, take it to a participating pharmacy, and get a price break on brand name and generic drugs. yourrxcard or call 1-866-561-1926 and try familywizeor call 1-800-222-2818.

■ The following antibiotics are free from Meijers supermarket with your doctor’s prescription, regardless of insurance or co-pay: Amoxicillin, Cephalexin, SMZ-TMP, Ciprofloxacin, Ampicillin, Penicillin or Erythromycin.

■ Meijers is offering free pre-natal vitamins to promote healthy pregnancies.

■ Capture all your Winter Olympics Vancouver 2010 memories in free personalized journal.

■ Betty Crocker Cookie Mix has a free gift offer for you. Just text BETTY to 467467 to receive a free Betty Crocker Cookie Mix recipe booklet featuring 10 prize winning holiday recipes and coupons. Standard text messaging rates apply.

■ Get a free free Fresca Taco from Taco Bell.

■ Celebrate Yoga Day 2010 on Jan. 23 with the following businesses offering free classes. See a complete listing of free classes.

■ href="">Lexington Healing Arts, 272 Southland Drive or (859) 252-5656. ■ Bliss Wellness Center, 2416 Sir Barton Way, Suite 125. or call (859) 264.8224.

■ Yoga Health & Therapy Center, 322 W. 2nd St. or call (859) 254-9529

■ Yoga with Romi, 620 Euclid Avenue, Suite 101. or (859) 333-0183

No comments:

Post a Comment