It Pays to Keep Secrets
by TheresaShadrix
 Clip2Save
Jun 28, 2011 | 1214 views |  0 comments | 11 11 recommendations | email to a friend | print | permalink

By Theresa Shadrix

If you’ve ever thought you were not important, chances are you’ve not had your identity stolen. It’s the one time in your life that you wish no one knew your name…or credit card number, or birth date, or social security number.

Even if identity theft is not the kind of ego boost you want, someone has taken the time to know all about you. Of course it’s in order to buy stuff. Before you can ask yourself, “Why would someone want my identity?” the thief is busy getting a Kitchen Aid blender, an iPAD or an iPhone.

You know, the type of things you would never buy yourself.

Most people don’t think about protecting their identity when looking for a good deal. But, it’s the first step one should take in couponing and saving money. Often we give away sacred information without thinking twice about it. In our homes, we lock up personal data, but the moment we are asked for our personal email address in order to enter a drawing for a free makeover or for a $1 off an item, we lose all of our wits. 

Be stingy with your email

You should be a little stingy with your personal or work email. Your SPAM filter will certainly thank you. My recommendation is to create an email account that you only use for couponing, contests, and deals that require you to share contact information. You can get a free email through Gmail, Yahoo or Hotmail. Your username can be your name or you can get creative with a money-saving name. 

Don't use your real information

My second recommendation is that you not use your actual birth date. Often times when you print a coupon online you have to register and create an account. This is the one time it is fine to lie about your age. Use your actual month but not the date or year.

Also, when asked for information like your mother’s maiden name, your childhood pet’s name, your favorite of anything, or your high school, by all means feel free to make up something. Not to make you even more paranoid, but in case of a cyber attack, it will harder for the hacker to match up the “cyber” you with the real you.  

Write information down and keep in safe place

Now, because you are creating an alter ego, you are going to forget who you are. So, dig around the drawers in your house and find a pen. Then, look under the couch cushions and in the corners of your rooms for a piece of paper. Write down all the data for your “cyber self” on the paper and put it in your safe or in your filing cabinet. Do not write this information on the front of the phone book. You may need it for future reference when you are having an online identity crisis.

Consider PO Box

My third recommendation is that you consider using a post office box for all of your mail. There will be times that you can request free coupons, samples and other goodies but you just are not comfortable using your home address. Sure, it’s an easy find on whitepages.com or many of those “looky who is searching for you” websites, but why not make it as difficult as possible for scammers?

Never give out social security number

One more thing. Never, for any reason, give out your social security number. Along with other personal information, it can be used to apply for credit cards. Trust me when I tell you to protect that number as much as you can.

Many years ago I had my identity stolen because someone had my full name, birth date and social security number. Granted the person was a family member who stole my identity and I only discovered there were several credit cards with massive unpaid bills when my husband and I were trying to buy a car. It was not a minor hassle. The credit card companies required that I file a police report. It was sweet to get a lecture from the police officer on my “turning in” a family member, while my entire credit history was wiped clean and I had to start over. Needless to say, I haven’t been to any family reunions.

The bottom line when you are in couponing and saving money, keep who you are to yourself…or you might have a big identity crisis.
Contact Theresa Shadrix at tshadrix@annistonstar.com.

Having no plan is extreme
by TheresaShadrix
 Clip2Save
Jun 24, 2011 | 292 views |  0 comments | 10 10 recommendations | email to a friend | print | permalink

By Theresa Shadrix

It seems everyone is an expert these days. At least it seems when it comes to coupons. Thanks to the reality TV show on TLC “Extreme Couponing,” it doesn’t seem to take much experience to be an expert. Viewers watch as shoppers collect massive amounts of groceries for mere pennies.

Maybe you are one of them and thought to yourself, “Hey, I can do that too.” So, you are energized and ready to save money. You turn on your computer and search for coupons and deals. Then feel as if your head might actually explode. You are totally overwhelmed and have no idea where to begin.

Maybe you actually set out to a store with a stack of coupons and brand spanking new binder. But you became frustrated at the register as every coupon was scrutinized, you were told you couldn’t use one or you couldn’t figure out why a coupon “beeped.”

Maybe you tried to follow the deal advice of a blog, drove to a store and there was nothing left on the shelf to buy. Yes, reality set in.

There are a lot of things you will not learn by watching this reality show. For example, a few of the stores have admitted that they went against their own coupon policy for the show. Also, it costs money to coupon. Many coupons are purchased by coupon clipping companies or from publications with coupons inside. Then there is the cost of ink when you print coupons online.

One of the most important things not known is a few shoppers on the show were fraudulent in how they were using the coupons. Basically they used a coupon meant for one item but redeemed it for another item. Fraudulent with coupons? Yes, it seems greed has a way of taking root in many things, including coupons. Grocery coupons are distributed by manufactures of products and stores are reimbursed for the amount of the coupon, plus eight cents. The problem is that when they are used incorrectly, someone has to pay. Ultimately it’s the consumer. It’s a twisted fate of irony, but one that shouldn’t be ignored.

So, what are you to do and where do you start? With anything in life, you should have a plan. So, start with figuring out how much money you can save in all areas of your life, not just with couponing. I recommend that before you fork out money to workshops, drive all over town looking for free toothpaste or use up all of your ink printing every coupon you can find that you first look at where your money is currently being spent. Yes, that means doing some work.

This week, gather all of your bills and write down what you owe each month. Are there ways that you can save money with your expenses? Then, figure out how much money you actually bring in each month. Also, with everything you purchase seriously ask yourself if you need it and if you can pay cash for it. Finally, clip out the coupons from Clip2Save and put them in an envelope in your car so you will have them handy when needed. The worst thing in your finances is not having a plan. Now that’s extreme.

The Love Affair of Couponing
by TheresaShadrix
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Jun 23, 2011 | 461 views |  0 comments | 14 14 recommendations | email to a friend | print | permalink

By Theresa Shadrix

In this first of my new weekly column on couponing and savvy shopping, I thought I’d come right out of the gate with a few truths that I’m sure you won’t hear anywhere else. We’re all friends here and I figure there is nothing like spilling my guts, so to speak, about the world of couponing.

 

For one, couponing may be one of the most difficult relationships you will ever have. There will be days when you will want to give up but you’ve got so much invested in it that you can’t.

 

There will be days couponing will take you to emotional heights that make you giddy. There will be days when you stare at them and wonder why you love them so.

 

Other days you will loathe them with a passion. You will be jealous when others seem to have the same love as you, but yet you want to tell everyone about what they mean to you.

 

You will spend countless hours studying your coupons, sorting them, and matching-making them with the rights deals. You will do all of this without cupids arrow smacking you in the face or piercing your heart. You will do all ofthese things for one reason – to save money.

 

Trust me when I say that it won’t take long before you read this column and realize all the truths I write.

 

For now, you may be scared out of your wits. “How on earth could I love couponing,” you ask? Possibly you are a little creeped out that you could actually get a flutter in your stomach from a piece of paper that will get you $.50 off paper towels at Wal-Mart, or $1 if it’s doubled at Fred’s or Winn Dixie.

 

I don’t write this column for those who already understand. This column is for those of you who heard the latest way to save money is couponing. The only problem is you are not sure where to start.

 

So, before we begin this journey, I have to let it be known up front that couponing is a commitment. Also, it’s hard work and you will only get out of it what you put into it. But, you won’t be alone. I’ll start from the basics and give you some tips. Each week I’ll try to answer your questions and help you to fully understand why I, like so many others, love couponing.

 

You may not fall head over heels in love for them. But, I bet after a few weeks of using them correctly, you just might have a slight puppy love.

Got a question? Email me at tshadrix@annistonstar.com.

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Dispute over records charge keeps JSU off teacher training ratings list
by Madasyn Czebiniak
Star staff writer
Jun 20, 2013 | 1582 views |  0 comments | 26 26 recommendations | email to a friend | print
Jacksonville State University’s teacher preparation program, one of the biggest in the state, doesn't have a ranking in the first-ever nationwide survey of teacher preparation programs. The authors of the study released this week say it’s because the university wanted to charge them $9,800 for data. “We thought that charge was excessive,” said Arthur McKee, the managing director of teacher preparation studies at the National Council for Teacher Quality. The council asked 1,100 colleges for information about their teacher preparation programs as part of what the study’s authors say is the first nationwide assessment of teacher training. John Hammett, dean of the college of education and professional studies at JSU, said school officials didn’t agree with the study’s methodology. “We didn’t think it was a valid evaluation of our program. They don’t look at the empirical data,” he said. Checking on teacher training The council was created in 2000 to increase the number of effective teachers in the nation. Researchers with the council requested syllabi, alumni surveys and outlines of the courses taught in each preparation program from teachers’ colleges across the country so they could see whether prospective teachers were receiving proper training. The council got responses from 608 schools. The review team was made up of 84 analysts under the supervision of McKee. They rated institutions on four standards: admissions, subject preparation, practice teaching and how well alumni felt the program served their needs. Chet Linton, the CEO and president of the School Improvement Network, said he thinks the country is at a point where everyone wants things to get better, especially when it comes to education. “Students need to be prepared for the work environment. They need to collaborate. They need to be able to use technology. But we don’t have teachers who can walk into classrooms and teach students those skills,” he said. Linton said colleges have the opportunity to implement Common Core training for upcoming teachers so they can hit the ground running when they start working. The implementation of Common Core teaching standards in teaching programs were included in the ratings. Hammett said the council graded JSU on Common Core math standards that had yet to be implemented. “We weren’t even doing that yet and they were trying to evaluate us on it,” he said. The price tag McKee said most institutions charged around $250 to provide information for the study. At least two other Alabama institutions asked for four-figure amounts to provide data, the council said. The University of Alabama at Birmingham asked for $3,395. The University of Alabama wanted $4,000. UAB spokeswoman Dale Turnbough declined to comment Wednesday. Attempts to reach officials of the University of Alabama’s college of education for comment were not immediately successful Wednesday. Hammett said he was confused by the council’s review of JSU’s education preparation programs because he eventually sent them the information they requested. Hammett said he originally told the council the information they requested could cost the group up to $10,000. Both McKee and Hammett said after the council shortened its list of requested documents, Hammett compiled the information on his own and sent it to them for free, he said. “I sent them six emails full of data,” he said. But by then it was too late. The deadline for information was mid-January. Hammett sent the information on Jan. 29, said Stephanie Zoz, the council’s manager of data collection said. JSU in the ratings JSU did not appear on the council’s overall program rating chart Tuesday because the university originally resisted the council’s request for information. The ratings scale went from zero, the lowest, to four, the highest rating. Hammett said he believes JSU should have received a four on the rating system, especially because it has been accredited by the Education Department and the National Council for Accreditation of Teacher Education. Attempts Wednesday to reach officials with the state Education Department were unsuccessful. Zoz said she could not say what rating JSU would have received if it had released its information earlier, only that the information would be added to the review next year. According to McKee, the council originally had ambitions of rating more than 1,100 programs but were still pleased with the effort’s progress. “The institutions we have in the review produce 72 percent of the teachers in the nation,” he said. McKee said he hopes to add JSU’s data to next year’s review. “We’re glad the dean wants to provide the information. We think it’s a happy ending,” he said. Staff Writer Madasyn Czebiniak: 256-235-3553. On Twitter: @Mczebiniak_Star
Second Cleburne commissioner probed in use of inmate labor
by Laura Camper
lcamper@annistonstar.com
Jun 20, 2013 | 570 views |  0 comments | 27 27 recommendations | email to a friend | print
Two Cleburne County commissioners’ use of inmate labor is being scrutinized by the Alabama Ethics Commission. The state body requested records connected to Commissioner Laura Cobb’s employment of a county inmate at a gas station she manages, according to documents provided by Cleburne County Probate Judge Ryan Robertson this week in response to a request from The Star. The Ethics Commission also has requested records of Commissioner Emmett Owen’s use of inmate labor. Cobb, who took office in January, interviewed the inmate, who was later hired to work full-time in the gas station on Alabama 46, she said. The inmate is paid $7.25 per hour, the federal minimum wage. Cobb said that inmate, Kevin Walker, was released from jail about two weeks ago and still works for the station doing cleaning and yard work. According to the records provided by Robertson, the Ethics Commission requested the records of the gas station’s payments to Walker as well as the records of Owen's payments to inmates at his place of business in Georgia. Cobb told a reporter she has not spoken to an investigator. The Ethics Commission does not discuss its investigations, a legal research assistant said last week. Owen has spoken to an investigator and last week he acknowledged taking prisoners to work with him at the Candler Building in Atlanta. Taking the inmates out of state is an infraction of the rules of the program, but according to John Hamm, director of member services for the Association of County Commissions of Alabama, it’s not against state law. Owen last week declined to talk with The Star about whether he had broken any other rules of the program. Cobb was "confused" as to why her employer’s use of inmate labor is being questioned now, she told The Star. “He (Walker) would not have been able to get out if he had not had a full-time job,” Cobb said. Walker told The Star Wednesday that he was grateful to be a part of the program. He said he started out doing community service through the program and later got the paying job at the station. It gave him a chance to pay his fines and support his two children while he was in jail, Walker said. It also gave him a chance to meet people in the community, said Walker, who is from Georgia. “I have community support to where I didn’t have any,” Walker said. The gas station, owned by Won G. Cho, has been using inmates through the program for two or three years, Cobb said. The station was having a difficult time finding reliable employees and the coordinator of the work release program suggested using inmates, she said. It’s worked out very well for the station, and it gives the inmates the opportunity to pay their fines, Cobb said. Cho’s daughter, Maria, confirmed Cobb's comments. She said the inmates have been hard workers and that they have helped her father, who is getting older, she said. “They’re really generous to my daddy,” Cho said. “They help him.” Lane Kilgore, jail administrator, said he could not find an employer contract for the gas station in part because he doesn’t know whose name to look under. The corrections officer who manages the program has been out sick and was unable to help search. But, Kilgore said, Walker is the second inmate who has worked at the station. Staff writer Laura Camper: 256-235-3545. On Twitter @LCamper_Star.
 Leonard “Mac” McQuown (Photo for The Anniston Star by Misty Pointer)
Leonard “Mac” McQuown (Photo for The Anniston Star by Misty Pointer)
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Heflin PD applies for free stuff
by Laura Camper
lcamper@annistonstar.com
Jun 19, 2013 | 241 views |  0 comments | 8 8 recommendations | email to a friend | print
The city of Heflin Police Department has applied to receive tens of thousands of dollars of free equipment through a military surplus program. Captain AJ Benefield, interim police chief in Heflin, said the department is trying for a boat, two golf carts, three all-terrain vehicles and a 36-passenger bus through the 1033 Military Surplus program. It has been approved at the state level but is waiting for final approval, Benefield said. If the department gets all the requested items, it could total about $150,000 worth of equipment, he said. “And all of this is no cost,” Benefield said. The department does have to pick up the equipment and pay any fees or permits to transport it back to the community, he said. The department has gotten other equipment through the program including M16 guns and a bulldozer, Benefield said. “You have to do justification for your department to use these items,” Benefield said. The city could use the golf carts and ATVs to help patrol special events like the concert a few weeks ago or the upcoming Fourth of July parade, Benefield said. The boat could be used for a water rescue on Lake Heflin or at the watershed, he said. And if the city finds that it doesn’t use the equipment, with the exception of demilitarized weapons and such, after a year the department can auction it off to recoup their investment, Benefield said. Sgt. Kenneth Perryman, program coordinator for the state of Alabama, said by 2012, Alabama law enforcement agencies had received more than $16 million worth of equipment through the program. The program is open to all federal and state law enforcement agencies with arrest authority, Perryman said. The program was created by federal act in 1995 with a focus on counter-drug and terrorism efforts. Not all police departments have to deal with terrorism, but they do deal with drug arrests, he said. The program gives them access to high end equipment that they may not otherwise be able to afford, he added. “Whenever (the military) turns things back in, it’s available for law enforcement agencies,” Perryman said. The equipment can run the gamut from buildings, to aircraft, to weapons, to night vision goggles to protective clothing, he said. It’s all given away on a first-come, first-served basis, Benefield said. He gets emails when new equipment becomes available and lets the state know when he is interested in an item. It can take anywhere from two hours to two days to hear back from the state if the department’s request is approved, but it takes longer to go through the rest of the process, Benefield said. Approval for the equipment has to go through three departments, the state, the Department of Defense and the Defense Logistics Agency, which oversees the program, Perryman said. It can take a few weeks before the department will know for sure that it got the equipment, Benefield said. But it’s worth the wait. It’s equipment the department doesn’t have the money to go out and purchase otherwise, he added. “It’s a very beneficial program if used right,” Benefield said.
The Cleburne News - 06/20/13
Jun 19, 2013 | 29 views |  0 comments | 4 4 recommendations | email to a friend | print
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