How to Give Back: Boston-Area Volunteer Opportunities This Thanksgiving Season

November 15th, 2012 by Posted in CharityThanksgiving

As Thanksgiving approaches, it is important to take a step back and be thankful for all we have this holiday season. For some people, this evokes a desire to give back to those less fortunate in the spirit of Thanksgiving. No matter what degree of help you’re looking to provide, there are volunteer opportunities for everyone, from spending time with the elderly to donating turkeys to those in need. This Thanksgiving is especially ripe for graciousness, with the number of Boston families in need of a turkey this holiday up by 50 percent from last season. If you’re looking to give back in Boston, now is the time to check out these volunteer opportunities below to help support your community before indulging on your own Thanksgiving feast.

Ongoing

Donations to the Salvation Army – Thru November 17 – 9 am – 12 pm – The Salvation Army will accept food and supplies in the mornings at their drop-off locations at Dorchester’s Kroc Community Center, South End Corps Community Center, and Chelsea/East Boston Corps Community Center.

Greater Boston Food Bank Turkey Drive- A $17 online donation buys a 12-14 lb turkey for a struggling family in need this Thanksgiving. Help reach the GBFB’s goal of 40,000 turkeys donated this year!

bostonCANshare – Thru November 30 – This is an annual food and monetary donation drive sponsored by Mayor Menino that runs all throughout the month of November. Donate a can and help to provide over 40,000 pounds of food for local families in need during the Thanksgiving season. Donation areas are all across Boston at local libraries and fire houses; find your nearest one here.

Bowl a ‘turkey’ for charity – Thru November 20th – At Kings bowling alley and bar in Back Bay, for every three strikes bowled in a row, a turkey will be donated to a family in need through the Greater Boston Food Bank or the Dedham Food Pantry.

Saturday, November 17th

Athletic Evolution Cornhole Tournament – Come out to Woburn, MA to Athletic Evolution for a cornhole tournament and food drive to benefit the Greater Boston Food Bank’s provisions for struggling families during Thanksgiving. Participants can register a team and play or simply attend and donate some cans. First and second place winners will receive cash prizes, and there is an after party at the Sea Dog Brew Pub.

South End Corps Thanksgiving Distribution – 10am – 3:30pm – Help carry Thanksgiving baskets with families and individuals.

Monday, November 19th

Stock Food at Elizabeth Peabody House Food Pantry – 9:30am – 11am – Help unload and sort food for the pantry in Somerville.

Tuesday, November 20th

Assemble Food Bags for Distribution at Red Cross Food Pantry – 8:30am – 12pm Prepare bags of non-perishable goods for 4,500 low-income clients across Boston before the holidays.

Adopt-A-Veteran at the New England Center for Homeless Veterans – Veterans from New England’s first and largest center for homeless veterans make wish-lists for the holiday season that volunteers hope to fulfill with presents as they spend a day at the shelter keeping their vet company.

Wednesday, November 21st

American Red Cross Boston Food Pantry - 1033 Massachusetts Ave, Boston, MA – The Wednesday before Thanksgiving, the pantry is open to clients from 9am to 12pm. Help stack and stock.

Thursday, November 22nd

Little Brothers Friends of the Elderly- 10am – 1pm – As part of their Holiday Visitation Program, Little Brothers-Friends visits over 300 elders on Thanksgiving who do not have family to celebrate with on the holiday. Bring them a hot meal, cider, flowers, and the gift of company.

Thanksgiving Ultimate Bootcamp – 9am – 10:30am – Come out to Boston Common for a pre-indulgence workout with all proceeds going towards St. Francis House. $25 gets you a well-deserved appetite before Thanksgiving dinner and a chance to help out a local Boston day-shelter.

For more up-t0-date information on specific volunteer opportunities in Boston, please go toBostonCares.org.

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Pending home sales up for 17th consecutive month

NAR: Number of homes under contract in September up 14.5 percent from a year go

BY INMAN NEWS, THURSDAY, OCTOBER 25, 2012.

Inman News®

<a href="http://www.shutterstock.com/pic.mhtml?id=106899653" target="_blank">Housing trend</a> image via Shutterstock.

A pending home sales index maintained by the National Association of Realtors showed an annual gain in September for the 17th month in a row.

NAR’s latest Pending Home Sales Index, released today, showed the number of existing homes under contract in September up 0.3 percent from August and 14.5 percent from a year ago.

The index, which represents contracts signed but not yet closed, has settled at 99.5 in September. An index score of 100 is equal to the average level of sales contract activity in 2001, a year in which sales were in line with historical norms. Signed contracts typically close one or two months after the sign date.

“The level of pending contracts has remained very steady implying that this recovery is holding its momentum,” said Lawrence Yun, NAR’s chief economist. Yun said the steady and strong year-over-year increase in the index “is pointing in the right direction.”

All regions saw double-digit year-over-year PHSI increases, except for the West, where it rose just 0.8 percent to 106.9 for the year (and 4.3 percent for the month) on account of tight inventory.

The Northeast saw the largest yearly jump in September of any region with a 26.1 percent increase to an index level of 79.3, which represented a 1.4 percent bump from August to September in the region.

In the Midwest, the index rose 19.3 percent from September 2011 to reach 89.5, which, however, represents a 5.8 percent dip from August’s level.

And in the South, pending home sales jumped 17.6 percent from September 2011 to settle at an index level of 111.5, a 1 percent jump from the index level in August.

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Over 25 Percent of Home Price Depreciation Due to Proximity of Foreclosures: Study

BY JANN SWANSON

The enormous numbers of foreclosures over the last six years have, of course, had immediate impacts on the families who lose their homes. The effects include physical displacement, drained savings and retirement accounts, and ruined credit. They also suffer longer-term financial impacts such as losing the ability to tap home equity for business or education purposes or retirement as well as losing the financial cushion home equity provides and the main vehicle for transferring wealth inter-generationally.

But there are ramifications to foreclosures that extend beyond those families who actually lose their homes. Communities with high concentrations of foreclosures lose tax revenue and incur the financial and non-financial costs of abandoned properties and neighborhood blight, while homeowners living in close proximity to foreclosures suffer loss of wealth through depreciated home values.

Three researchers from the Center for Responsible Lending (CRL) have produced an updated report on this secondary cost of mortgage foreclosures with a particular focus on the damage being done to communities of color. Collateral Damage: The Spillover Costs of Foreclosure released Wednesday was written by Debbie Gruenstein Bocian, Peter Smith and Wei Li and is an update of three earlier reports on the issue produced by the Center. The last report was issued in 2009.

The authors looked at loans that entered foreclosure between 2007 and 2011 using data collected by the federal government under the Home Mortgage Disclosure Act (HMDA) and a second data set from Lender Processing Services (LPS). They calculated the number of foreclosure starts for each census track then calculated the loss of value of neighboring homes within 1/8 mile of the foreclosed property.

The authors found that $1.95 trillion in property value has been or will be lost by residents who live in close proximity to a property that has been foreclosed. This figure includes the spillover impact of homes that have been foreclosed as well as future losses from foreclosures that are in process.

Over one-half of this loss has been experienced in communities of color. Minority neighborhoods have lost or will lose $1 trillion in home equity largely because of a high concentration of foreclosures in these neighborhoods.

In all neighborhoods these losses average out to $21,077 in household wealth or about 7.2 percent of the home’s value. However, in neighborhoods of color the average loss is $37,084 or 13.1 percent of the home’s value.

Despite the magnitude of these losses the authors caution that they represent only the wealth that has been lost or will be lost as a direct result of being in close proximity to homes that have begun the foreclosure process. “We do not include in our estimate the total loss in home equity that has resulted from the crisis (estimated at $7 trillion),” they state, “the negative impact on local governments (from lost tax revenue and increased costs of managing vacant properties) or the non-financial spillover costs, such as increased crime, reduced school performance and neighborhood blight.

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Hillsides Volunteer Network’s Ice House All-Star Comedy Show

  ICE HOUSE COMEDY SHOW
Ice House Comedy Show

Purchase your tickets for Hillsides Volunteer Network’s Ice House All-Star Comedy Show to Benefit

Hillsides, on Sunday, October 14, 2012.

Will The Real Credit Score Please Stand Up?

by Broderick Perkins

The credit score you buy may not be the credit score your lender uses when you apply for credit and, fortunately, most of the time it doesn’t matter.

However, for what the Consumer Financial Protection Bureau (CFPB) considers a “substantial minority,” the difference could make or break a mortgage application or application for other credit.

In from 1 percent to 24 percent of the time, the difference between consumer-purchased and creditor-purchased credit scores could toss consumers into one, two or more different credit-quality categories.

Which way the score goes, better or worse, often isn’t clear.

The CFPB’s new ”Analysis of Differences between Consumer- and Creditor-Purchased Credit Scores”is a follow up to CFPB’s report earlier this year, ”The Impact of Differences Between Consumer- and Creditor-Purchased Credit Scores,” which revealed the different sources and types of credit scores and potential for harm associated with the differences.

The new report attempts to quantify the impact of those differences and says consumers do not know ahead of time whether the scores they purchase will closely track, vary moderately or vary significantly from a score sold to creditors.

What’s a credit score?

Credit scores are a numerical representation of your credit report. The lower the score, the worse your credit and the greater your risk for default on credit. Conversely, the higher the score, the lower your risk. How you handle your credit raises or lowers your score.

Lenders widely use credit scores to make a decision about your application for most types of credit, including mortgages, auto loans, credit cards, personal loans and others. Credit scores are also used to make decisions about insurance, rental applications, even jobs.

Scores also determine if your creditor will raise or lower your credit limits, change your interest rate or cut you off from existing credit. High credit scores will also get you the best credit rates and terms, while low scores will make you pay more for credit — if you can get it.

By federal law, credit scores are free under certain circumstances, typically after the fact, say, because a lender rejected your application.

Otherwise you pay $10 to $20 for the privilege of buying your score, often from companies that attempt to sell you other questionable services bundled with your credit score purchase.

Purchased credit scores aren’t gospel

CFPB’s new report advises consumers not to rely upon purchased credit scores as a guide to how creditors will actually view their credit quality.

Because credit scores can vary from the scores actually used to approve or decline credit, consumers have no way of knowing if the purchased scores are the same, higher or lower than those used by creditors.

• If a purchased score leads the consumer to overestimate lenders’ likely assessment of his or her creditworthiness, the consumer might be likely to apply for credit lines that would not be approved, with a cost of wasted time and effort on both the consumer’s and lender’s part.

• A consumer who underestimates a lender’s likely assessment of his or her creditworthiness, might fail to or delay applying for credit to buy a house or a refinance.

A consumer might also apply to lenders who offer less favorable terms than the borrower is qualified for or accept a less favorable offer than necessary.

The study also admonishes and advises firms selling scores to consumers to disclose to consumers those credit score differences and the potential impact from those differences.

Given the CFPB’s new oversight on consumer financial matters, including the operations of consumer credit reporting agencies, regulations to mandate such disclosures are likely.

The Dodd-Frank Wall Street Reform and Consumer Protection Act directed the Consumer Financial Protection Bureau (CFPB) to compare credit scores sold to creditors and those sold to consumers by nationwide credit reporting agencies to look at the differences.

CFPB analyzed credit scores from 200,000 credit files from each of the three major nationwide CRAs: TransUnion, Equifax, and Experian.

CFPB found:

• Different scoring models would place consumers in the same credit-quality category 73 to 80 percent of the time.

That is, if a consumer had a good score from one scoring model, the consumer likely had a good score on another model.

• Different scoring models would place consumers in credit-quality categories that are off by one category 19 to 24 percent of the time.

• Different scoring models would place consumers in credit-quality categories that are off by two or more categories from 1 to 3 percent of the time.

Published: October 4, 2012

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How to choose your next neighborhood wisely

Mood of the Market

BY TARA-NICHOLLE NELSON, MONDAY, OCTOBER 1, 2012.

Inman News®

<a href="http://www.shutterstock.com/pic.mhtml?id=92728492" target="_blank">Neighborhood</a> image via Shutterstock.Neighborhood image via Shutterstock.

If you plan to buy your next home in your current town, you probably think you already know precisely what neighborhood(s) you’d entertain.

You might have driven around and spotted a street you’d love to call your own, or maybe you’ve always heard rave reviews of the schools, shops and other quintessential elements of a particular part of town. But there are numerous Internet resources that can surface gems you might not know about.

And, needless to say, if you’re relocating to a new area entirely, these same sites can make the daunting challenge of narrowing your house hunt down to the just-right city and neighborhood much less overwhelming — and much more likely to result in success.

Here are a handful of the online neighborhood-finding resources that I believe are vastly underutilized by house hunters:

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1. NabeWise. NabeWise is where you go to get a real taste for a neighborhood’s flavor, online. This is where you find out where the hipsters, families, pet lovers or musicians live in your target town. It’s also where you can get a feel for whether the neighborhood tends more toward dive bars or farmers markets, and whether residents who’ve rated it were more inclined to call it gritty or peaceful; these are actual neighborhood reputation label options that the site offers and that visitors freely use.

Beyond the helpful and, in my experience, accurate neighborhood “flavor” ratings and many photos of the most popular neighborhoods in the couple of dozen cities it covers, NabeWise also offers uber-helpful, insight-rich blog posts from neighborhood residents, and surfaces nearby neighborhoods for those who think the location of a particular neighborhood is perfect, but not the noise level

2. Nextdoor. The age-old measure of friendly neighbors was how amenable they might be to a request to borrow a cup of sugar. Then, it was all about whether an area had its own Neighborhood Watch, then whether it throws a block party for National Night Out. Increasingly, though, the measure of a connected neighborhood is its social infrastructure online: Email lists and Facebook groups can be a good sign, but are often tough to find unless a home’s seller or the neighbors simply tell you they exist.

Nextdoor is a site where nothing but neighborhood social networks live and operate in one user-friendly place. It’s relatively new, so chances are good that your target neighborhood might not be there (yet), but if you do happen to see that the neighborhood of your dreams has a Nextdoor network, that’s a very good sign.

3. Walk Score. If you’re looking for a neighborhood with high “walkability” (as defined by WalkScore.com to encompass everything from ample amenities for everyone from bus riders to walkers to bicyclists, to shopping areas where the storefronts are very near to the sidewalks), this is the authoritative resource.

Walk Score actually assigns cities, neighborhoods, streets and individual addresses a numerical Walk Score rating that is exceedingly useful in helping buyers compare homes and neighborhoods on walkability; helping relocators start to get a feel for the daily lifestyle they would experience in various parts of the same town; and even helping sellers communicate their home’s walkability in a meaningful way to buyers.

4. StreetAdvisor. StreetAdvisor is like Yelp for neighborhoods: You type in a city price range or “personality” factor, and it gives you the local neighborhoods that have rated the highest on these elements, along with oodles of reviews of that part of town by the locals who live there. It also has a handy Q-and-A feature, where neighborhood residents-to-be ask very detailed questions, and those who live there readily reply, and a leaderboard that lives on the home page, showing which neighborhoods’ rankings have been moving up or down, of late.

5. Trulia Local. Trulia Local offers all sorts of beautiful, easy-to-use, data-driven interactive maps for homebuyers considering a property in a given neighborhood.

Type in a given city, and you’ll be given color-coded heat maps that allow you to surface, in a single click, everything from the rate of violent-to-non-violent crimes across town and in specific, zoomed-in neighborhoods, to grocery stores, restaurants, banks and post offices and even the actual homes listed for sale overlaid on this same map with little price tags, so you can see at a glance how prices are different in different parts of town.

And this map also has a feature I’ve never seen anywhere else: a commute-time map. You can use a simple slider to give the map your maximum desired commute time, and the map adjusts in color and scope to show you what areas you can reach from a given address on the map within that commute time frame. As you move your map to various spots, the map gives you even more precise time frames for how long it would take to get to your mouse from the “from” address.

6. National Clandestine Laboratory Locator. The title of this site sounds almost intriguing, with its hint of James Bond-style mystery. But the subject matter is super-serious: The federal Drug Enforcement Agency operates this database of homes that have been used to operate drug laboratories — mostly for the manufacture of methamphetamines.

A number of homebuyers have been hit with the horror of buying a bargain-priced home from an estate or bank, only to realize after moving in and after suffering medical symptoms that their home was once a drug lab and is completely contaminated with costly-to-eradicate chemicals.

Many times, these homes are sweet-looking, older homes that had been left vacant by an elderly owner’s illness or had been longtime rentals. This is more a neighborhood- and property-specific vetting tool than one you would use to find a neighborhood in the first place, but you’d be remiss not to click the link for your state and search for the name of your prospective street(s) before you buy a home.

Similarly, many states offer their own meth lab property database(s), and some third-party real estate disclosure providers will even search these databases for a homebuyer.

Tara-Nicholle Nelson is author of “The Savvy Woman’s Homebuying Handbook” and “Trillion Dollar Women: Use Your Power to Make Buying and Remodeling Decisions.” Tara is also the Consumer Ambassador and Educator for real estate listings search site Trulia.com. Ask her a real estate question online or visit her website, www.rethinkrealestate.com.

 

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Make Your Fixer-Upper Fabulous on a Budget

So many makeover projects, so little time and money. Here’s where to focus your home improvement efforts for the best results

When the to-do list around your house includes everything from “new roof” to “gut kitchen” and “buy furniture” (and you could easily pour your entire budget into just one room), you know it’s time to make a plan. These 12 ideas will help you make the important decisions on where to put your money (and sweat) to make your house budget stretch the furthest.
traditional exterior by Allison Ramsey Architects

Where to begin? Big projects, including repairs to the roof, the foundation and systems (like heating and cooling), should be prioritized, for obvious reasons — with one caveat. If a major project needs to be done but is not totally urgent (say, your home inspector said you’ll need a new roof within the next few years), you might want to put more of your current savings toward cosmetic fixes you will appreciate right away.Landscaping is a good example. Early on is the time to begin planning (and planting) upgrades to your yard. Mature trees and plantings add significant value (and curb appeal) to your home, and the most budget-friendly way to get there is to buy small, young plants and give them time to fill in.How to boost your curb appeal

Think about functionality first. Fancy appliance upgrades can wait if what you have works. Focus your budget on essential big-ticket projects as needed, and after that on beautifying projects that will give you the most bang for your buck.
eclectic kitchen by Keep Smiling Home

Get creative to keep costs down in the kitchen. Katherine Fugit and husband, Conan, whose kitchen is shown here, were able to accomplish an impressive transformation in their kitchen for less than $400. Rather than purchase new appliances, they scored a cool vintage stove for $45 and painted their old fridge with chalkboard paint.See the rest of this house
by Keep Smiling Home

Be willing to learn a new DIY skill. As a point of reference, here’s the before photo of the Fugit kitchen. Several layers of funky linoleum were removed, and the couple refinished the hardwood floors hiding underneath. By putting in their own elbow grease and forgoing expensive new products, they were able to create a warm and functional kitchen within their tiny budget.If you have never picked up a paintbrush (or rented a power sander), now is the time to dive in and pick up that new skill. If you are nervous, check your local home improvement shops — many offer free classes in everything from painting to building cabinets.
eclectic kitchen by Whimages

Paint or refinish cabinets rather than replace them. Kitchen cabinetry is one of the biggest-ticket items in a kitchen remodel, so unless your current cabinets are completely beyond repair, make do and mend them. You can’t go wrong with black or white, and new knobs and bin pulls will give the cabinets a completely different look for a few extra bucks.8 paint palettes for kitchen cabinets
Consider doing without the medicine cabinet and vanity lights. In the bathroom, consider choosing a regular flat mirror paired with sconces instead of the expected off-the-shelf mirrored cabinet and row of lights. This is a much more current look, and if you hunt for a sale, it should be a fraction of the cost of most products made specifically for the bathroom.
traditional kitchen by Stephanie Wiley Photography

Do swap out kitchen and bath faucets. Sleek new faucets can upgrade the entire room, and big-box stores often have great-looking options at a low cost.
modern pendant lighting by West Elm

Upgrade outdated light fixtures. Many can be found for well under $200, and the difference that beautiful lighting makes in a home is immense. Go for simple shapes and useful details, like a diffuser covering the bottom of a pendant light (as in the one from West Elm shown here), which shades your eyes from the bare bulb when you’re seated underneath.
Lettered Cottage Dining Room
Save on window coverings. Surprisingly, drapes and blinds can add up to be one of the most expensive purchases in decorating your home. If you need to cover lots of windows, save your pennies by choosing off-the-rack curtains (hem them yourself) and simple matchstick blinds.Style tip: Inexpensive curtains look far more chic in solid, neutral hues; natural fibers (cotton, linen etc.); and pole-pocket or clip-top style. Tab tops tend to look a bit saggy, so I would avoid those.
eclectic  by Kate Jackson Design

Decide what to cover up — and what to reveal. A before shot shows how this living room needed some serious TLC. The dingy brick fireplace stole the spotlight, while hardwood floors hid beneath scratchy industrial-blue carpet. But then …
eclectic living room by Kate Jackson Design

Paint outdated brickwork for an amazing after. Here is the after. Interior Designer Kate Jackson gave the space a coat of fresh, white paint and removed the carpeting to show off lovely hardwood floors. The whole space feels completely transformed.See the rest of this project | What to know about painting brick
traditional exterior by Stephanie Wiley Photography

Enhance curb appeal with key details. Have you noticed a theme? Embrace the details. They are the budget decorator’s best friend. When it comes to curb appeal, try painting (rather than replacing) the front door, freshening up trim (rather than painting the whole house) and adding potted flowers, new house numbers, and fresh chair or bench cushions.

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U.S. existing home sales rise in August, prices up from year ago

WASHINGTON, Sept 19 | Wed Sep 19, 2012 9:59am EDT

(Reuters) – The pace of U.S. home resales rose in August to its fastest in over two years and the price for sold homes climbed from a year earlier, hopeful signs that a budding housing market recovery is gaining traction.

The National Association of Realtors said on Wednesday that existing home sales increased 7.8 percent last month to an annual rate of 4.82 million units last month.

That was the fastest annual rate since May 2010 and well above analysts’ expectations of a 4.55 million-unit rate.

Nationwide, the median price for a home resale rose to $187,400 in August, up 9.5 percent from a year earlier as fewer people sold their homes under distressed conditions.

The nation’s inventory of homes – those for sale on the market – rose 2.9 percent during the month to 2.47 million.

“The housing market recovery is becoming much more convincing,” said NAR economist Lawrence Yun.

The price increase is measured against August 2011, and since then distressed sales have fallen to 22 percent of total sales from 31 percent. Distressed sales also fell in August of this year compared to the prior month.

While the broader U.S. economy appears to be losing steam, housing has gained traction and has become a relative bright spot

 

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The Best Little List of Insurance Tips Ever!

What Your Insurance Agent Forgot to Tell You…

By Bobbie Sage, About.com Guide

Learning about insurance is excruciating for some. How many times have you read about someone wanting to sit down and read a good book on insurance? Yeah, it doesn’t happen often. And your insurance agent… do you think they are going to tell you all the insider insurance stuff?

So, if you have trouble reading a full article on any insurance subject or if your insurance agent is not your best friend, these quick tips will get you enough insurance knowledge to make you look like you know what you are talking about… and I bet you will learn a thing or two! Of course, going more in depth with your insurance knowledge is best so let this be a springboard for you to eventually dig into more insurance information!

This list will be updated regularly with great quick tips. If you have any tips you think are worthy of this list please email them to me.

So, here goes… The Best Little List of Insurance Tips Ever!:

1. One of the best ways to save on your auto, home, or health insurance is to reduce your deductible. You don’t want to make a claim anyhow on an amount you can afford, so raise your deductibles to the top amount you would be willing to pay out of pocket before your insurance kicks in. Raising your deductibles can save you a lot of money so it is worth checking into.

2. Get to know your grace period! Just because you forgot to pay your insurance bill on time does not mean it is canceled. Most policies have at least a 30 day grace period in which you can make your payment and your policy will still remain in effect. So before you assume your insurance is gone, check out your grace period and pay up!

3. Keeping your policies with one agent can pay off. Sometimes you can find cheaper insurance at different agencies but there are two reasons to stay with one insurance company or agent: First, you can get a multiple policy discount and second, your insurance agent is likely to work harder for you when it comes to claims and service.

4. Ask for discounts! Don’t assume your insurance agent will automatically give you all the discounts available. This is not because they don’t want to but because they don’t always know what discounts apply to you.

5. Credit and insurance goes hand and hand. Most insurance companies are partially basing rates on your credit history. Whether you think it is fair or not, it is happening. So, if you have some small credit issues get them cleaned up or if you can’t and still want to save, shop around because each insurance company has a different way to evaluate your credit.

6. Skip the credit card insurance offers and warranties. Those offers by your mortgage or credit card companies to pay your balances are not worth the cost. It is always better to make sure you have a good life insurance policy to cover your debts. Also, extended warranties are just mini-insurance policies and they are hardly ever worth the amount you pay for them, especially if you take care of your items.

7. Need cheap health insurance? Choose a high deductible policy and haggle with your doctor! Yes, you are comfortable doing it with the used car salesman so why not with medical professionals? People do it, even insurance companies haggle and get rates reduced! Getting a high deductible insurance policy, or better known as “emergency insurance,” will save you tons of money in premiums because it only kicks in usually after you have paid the first 5-10 thousand dollars (hence “emergency policy”). So, if you have other procedures the doctor would like to do that you will be paying for out of pocket… haggle with your doctor or the hospital. It sounds strange but you can reduce your costs and don’t worry because others are doing it too!

8. You may not have to pay that “out-of-network” charge on your health insurance bill.As long as you followed your obligations of choosing an in-network doctor and an in-network hospital, if for some reason another professional at the hospital gives you care and they are not in-network then you don’t have to pay. Your health insurance company will send you a bill anyhow, hoping you will pay but make sure you make it clear that you know you are not obligated to pay.

9. Insurance agents make way less on term life insurance. Term life insurance is basic life insurance that does what it is meant to do: it gives you a certain amount of life insurance for a certain amount of time. It is one of the most popular choices in life insurance because most families just get it while their kids are young… most people don’t need life insurance when their dependents do not depend on them anymore. It is also very popular because it is the lowest cost option in life insurance and therefore gives you the biggest life insurance bang for your buck. That makes it a very low commission product. This is not to say that other life insurance options are not a good choice, but make sure you know why your agent is trying to sell you a particular life insurance product.

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Nation remembers 9/11 attacks

by Laura Petrecca, Natalie DiBlasio and Oren Dorell, USA TODAY

  • New York City firefighters of Engine 33, Ladder 9, observe a moment of silence during ceremonies for the 11th anniversary of the terrorist attacks in Lower Manhattan at the World Trade Center on Tuesday in New York City.Mario Tama, Getty ImagesNew York City firefighters of Engine 33, Ladder 9, observe a moment of silence during ceremonies for the 11th anniversary of the terrorist attacks in Lower Manhattan at the World Trade Center on Tuesday in New York City.

New York City firefighters of Engine 33, Ladder 9, observe a moment of silence during ceremonies for the 11th anniversary of the terrorist attacks in Lower Manhattan at the World Trade Center on Tuesday in New York City.

NEW YORK — Victims’ families and others gathered Tuesday at Ground Zero, the Pentagon and near Shanksville, Pa., to remember the terrorist attacks that devastated the nation 11 years ago.

In New York City, remembrances marked one of the city’s most tragic days.

“It is extremely important that people never forget what happened on Sept. 11,” said New York City Fire Commissioner Salvatore Cassano, who is attending many events to commemorate those who lost their lives that day.

Security was tight as police officers in crisp, blue uniforms stood among men in suits with badges attached to their belt buckles. Police cars with flashing lights parked just off the West Side Highway near the World Trade Center site. A giant flag on the Freedom Tower unfurled early as cops stood nearby watching.

Family members read the names of their loved ones who died in the attacks and held pictures as waterfalls from the two memorials babbled in the background. One man held high a sign that had the name Danielle Kousoulis on it with pictures of the young woman and the words: “We miss you” and “We love you.”

“We lost 11 that day. Everyone who was working,” said Ladder 35 Capt. John Miles, who was with other firefighters early Tuesday morning setting up their annual breakfast for active and retired members as well as family members of those who died.

OPINION: The 11-year-old war: Forgotten but not gone

He said that even as the years pass, most of the families still come.

“It’s good for us that they (the family members) are here and it’s good for them that we are here,” he said.

The official commemoration began at 8:39 a.m. ET at the National September 11 Memorial plaza, an area that once held the twin towers but now hosts two memorial pools dedicated to attack victims.

There was a moment of silence at 8:46 a.m. ET to mark when the first commercial plane struck the north tower. Houses of worship across New York City rang their bells in remembrance.

Throughout the morning, family members of those who perished recited the victims’ names. The names of all 2,983 victims from the twin towers and Pentagon attacks, and those on Flight 93, as well as those who died in the 1993 World Trade Center bombing, will be read aloud.

There was a moment of silence for each time a hijacked plane hit its target and one for when Flight 93 crashed in Somerset County, Pa. There also were moments of silence at the times that each of the twin towers fell.

President Obama was among the speakers Tuesday at an invitation-only remembrance for victims and family members of those killed at the Pentagon.

“But no matter how many years pass, no matter how many times we come together on this hallowed ground, know this, that you will never be alone. Your loved ones will never be forgotten,” Obama said. “They will endure in the hearts of our nation, because through their sacrifice, they helped us make the America we are today, an America that has emerged even stronger.”

Afterward, he shook hands with many of the family members attending the event.

“Eleven years ago, on a morning very much like this, terrorists attacked our symbols of our strength … and took the lives of people from more than 90 countries,” said Defense Secretary Leon Panetta at the Pentagon. “Every year on 9/11, all of us take a moment to remember again where we were at that fateful moment,” as well as those who died at the World Trade Center, at the Pentagon and in a Pennsylvania field.

To the families, he said, “We are with you today and honored to be here today to remember your loved ones.”

Before Obama headed for the Pentagon, he and the first lady joined hundreds of White House staff members gathered on the South Lawn in the shade of the portico and in patches of sun. Most stood with their hands crossed in front of them.

A full Marine color guard emerged taking up a place on each side of a wide aisle for the president and Michelle Obama, who walked down the grassy strip as three bells tolled. They stood with heads bowed, facing the National Mall in the distance.

Obama and Mitt Romney will temporarily pull their largely negative campaign commercials off TV on Tuesday.

The Pentagon ceremony was held across from the National 9/11 Pentagon Memorial, where 184 metal benches memorialize the 59 crewmembers and passengers and 125 others at the Pentagon who were killed.

The ceremony will be similar to ceremonies in past years, though now there’s a new project to look forward to, said Jerry Mullins, spokesman for the Pentagon Memorial Fund, which raised money and developed the memorial.

The fund is preparing for a visitor education center that organizers hope to complete by early 2015, Mullins said. Fundraising has already begun.

“The families are very proud of the memorial,” Mullins said. “The recognition, and the pledge that was made 11 years ago — ‘Never forget’ — is a great comfort to the families.”

Outside Shanksville, Pa., people slowly started filing into the memorial plaza, including servicemembers in uniform and others wearing red, white and blue.

Vice President Biden spoke during the remembrance ceremony at the Flight 93 Memorial, where a hijacked plane crashed during the 2001 attacks.

Biden told families that he hopes with every passing year “you are able to sing more than you weep.”

“What they did for the country is still etched in the minds of not only you, but millions of Americans,” he said.

Patrick White, the president of Families of Flight 93, said having the permanent memorial allows people to feel a closer connection to the 40 passengers and crew members who were killed in the attack.

“Being able to put your hand on the gleaming white walls and touch the names of the one that we lost is something that is just very real and tangible,” he said.

White lost his cousin, Louis J. Nacke II, on Flight 93.

Of the four planes that terrorists hijacked, Flight 93 was the only one that did not hit its target. The plane was traveling from Newark to San Francisco when it was hijacked.

The 9/11 Commission said the terrorists likely wanted to crash the plane in Washington, D.C., targeting the White House or the U.S. Capitol, but passengers and crew fought back.

Instead of hitting a national landmark, the plane went down in a western Pennsylvania field killing everyone on board.

“Those 40 heroes kept the terrorists from their target,” White said. “If it did hit the U.S. Capitol, it would have been so much more devastating to our psyche and our ability to be come back from such a tragedy.”

The service included a reading of the 40 names of the Flight 93 passengers and crew, a ringing of the Bells of Remembrance and a wreath-laying.

Musical tributes and additional activities continued through the afternoon.

New York’s ceremony followed a last-minute breakthrough on a financial dispute that had halted progress on the Sept. 11 museum, and the commemoration itself was to be different: For the first time, elected officials did not speak at an occasion that has allowed them a solemn turn in the spotlight. There were also questions about the lines separating the 9/11 that is about personal loss from the 9/11 that reverberates through public life.

For former New York governor George Pataki, this year’s change ends a 10-year experience that was deeply personal, even as it reflected his political role. He was governor at the time of the attacks.

“As the names are read out, I just listen and have great memories of people who I knew very well who were on that list of names. It was very emotional,” Pataki reflected by phone last week. Among his friends who were killed was Neil Levin, the executive director of the Port Authority of New York and New Jersey.

But Pataki supports the decision not to have government figures speak.

“It’s time to take the next step, which is simply to continue to pay tribute,” Pataki said.

The National Sept. 11 Memorial and Museum — led by Mayor Michael Bloomberg as its board chairman — announced in July that this year’s ceremony would include only relatives reading victims’ names.

The point, memorial President Joe Daniels said, was “honoring the victims and their families in a way free of politics” in an election year.

Some victims’ relatives and commentators praised the decision. “It is time” to extricate Sept. 11 from politics, the Boston Globe wrote in an editorial.

But others said keeping politicians off the rostrum smacked of … politics.

The move came amid friction between the memorial foundation and the governors of New York and New Jersey over financing for the museum. That friction abruptly subsided Monday, when Bloomberg and New York Gov. Andrew Cuomo announced an agreement that paves the way for finishing the $700 million project “as soon as practicable.”

On Tuesday, Obama’s motorcade made an unscheduled stop at National Cemetery after the Pentagon ceremony. The president and Michelle Obama walked among the chalk-white markers in the bright sun and shade, pausing to place a “challenge coin” on one of the first graves.

The medallion is given by commanders as motivation to soldiers or to honor achievement. The Obamas talked for several minutes over the grave, which marked a collective memorial for victims of an Oct. 26, 2009, helicopter crash in Afghanistan.

After Obama placed several more coins on graves along the walk, the motorcade rolled back to the White House.

Gordon Felt, who lost his brother, Edward Felt, on Flight 93, said anniversary ceremonies like the ones on Tuesday give families the opportunity to come together.

“One of the passengers, Toshiya Kuge, was from Japan, and his mother comes every year. We only see her once a year on the anniversary. We have families from the West Coast, Florida, all over the country,” he said. “They gather here every anniversary. It gives us a time of peace to be together, to talk about our loved ones, to mourn together. There is a wonderful connection with the families. We didn’t know each other, much like the passengers and crew.”

Contributing: Carolyn Pesce in McLean, Va.; the Associated Press

 

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