It Pays to Keep Secrets
by TheresaShadrix
 Clip2Save
Jun 28, 2011 | 1197 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 | 460 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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White Plains golfer wins playoff at Cedar Ridge
by Al Muskewitz
Jun 17, 2013 | 257 views |  0 comments | 10 10 recommendations | email to a friend | print
OXFORD — If the overriding focus of the oldest age division in the Future Champions Junior Golf Tour is learning to compete for the steeper road ahead, it was mission accomplished Monday. There is no keener taskmaster for that than a sudden-death playoff, and it taught both Pediatrics Plus Invitational combatants a thing or two about competing. Dustin Travis, who won the playoff over Caleb McKinney with a bogey on the second extra hole, learned the importance of sticking to a plan even if things don’t go so well initially. McKinney learned the value of emotional balance in the heat of competition. Both players shot 4-over-par 76 in regulation at Cider Ridge and were sent out to the par-5 18th to settle the score. Travis, a rising junior at White Plains, played his back nine in even par, and McKinney chipped in off the flagstick from 30 yards for birdie on his 18th hole to force the playoff. They parred it the first time, then Travis won for the second week in a row with a five-foot bogey putt. That came after Travis hit his second shot into the right woods, took a drop and then hit it long and left. “I’ve played in a playoff before, but only one in my entire life,” Travis said. “I lost that playoff, so coming into this one it was like I wanted to get back what I lost. It gave me a lot of experience. My nerves were reckless when I got up to that first tee. Hitting it right, hitting it left … I just had to stick with it and keep my composure. I just held it together better.” For McKinney, a rising senior at Faith Christian, the nerves of his first playoff were evident. After driving it consistently all day, he drove it way right on the deciding hole, took a drop and then hit next shot into the right hazard. He tried to hit out of the ground cover but advanced the ball only a few feet, then lost his next shot into the left water hazard. He took another drop and then bladed that shot over the green, from which he conceded. “Dustin’s a great competitor. He’s very consistent,” McKinney said. “When you go into a playoff you just have to be ready. I wasn’t ready.” The Future Champions Tour is the county’s newest incarnation into junior golf development, joining the likes of the Jerry Pate and ERA/King Realty tours that developed those generations of future county standouts. It has 51 boys and girls registered from all reaches of the county, and each of its first two events has drawn 38 players. The top three finishers in each age division receive an award. If you don’t think that’s a big deal, you don’t know how competitive these kids are. “You want to be able to play in the top three and get a plaque,” said 15-year-old Madilyn Turner, a rising sophomore on Pleasant Valley’s girls team. “You’re trying to win. You’re trying to beat the other competitors. You want to be friends and everything, but you really want to win and try your best, like it was the sectionals or sub-state. To have competition like this and play different courses, it really helps so you’re not nervous when your (high school) season gets back.” While the older division is geared toward future levels of competition, the focus for the 10-and-unders is developing an interest in the game. For the 11-14s, it’s the fundamentals and rules of golf. “We’re trying to teach these kids to have fun and the rules of golf and golf etiquette. We’re definitely accomplishing that,” tour director Marcus Harrell said. “There’s no doubt they’re learning to compete. And not only are they learning, they’re having a blast at the same time. We haven’t had one person really complain about anything that’s going on. Everybody’s calling and saying it’s one of the most fun things they’ve ever done.” Added 13-year-old Jacob Lecroy: “It is real fun, definitely.” Lewis Lecroy never picked up the game until he was 41, but he’s appreciative Jacob has such a program to develop his game. Jacob, who has been playing since he was 6, won his age division Monday by more than 20 shots after posting an 81 and is considering asking to play with the older boys. He shot the lowest 18-hole score in last week’s inaugural event at The Lion Golf Club in Bremen, Ga. “This is super,” the elder Lecroy said. “I think Marcus has a good thing going, and all it’s going to do is get better. It’s big because they’re out here playing. If they werent out here playing there not going to get any better. Golf is something you have to play three to seven days a week to get any better at all. If you come out here one time a week, you’re not going to get any better. They didn’t have these opportunities (when he was younger). Now they’ve got the opportunity to be out here playing.” Al Muskewitz covers golf for The Star. He can be reached at 256-235-3577.
All-Calhoun County boys soccer: McDonald’s demand yielded results for Oxford soccer
by Brandon Miller
Jun 17, 2013 | 203 views |  0 comments | 11 11 recommendations | email to a friend | print
OXFORD — Heading into his second year as Oxford’s boys soccer coach, Dwight McDonald wanted a commitment from within the program. After the Yellow Jackets finished the 2012 season with an 11-12 record, McDonald started conditioning workouts in November, rather than the standard protocol of beginning in January. The plan was for the Yellow Jackets to build a better bond. “We had the skill, but we didn’t have the endurance,” said McDonald, The Anniston Star's Calhoun County boys soccer coach of the year. “Plus, we were more individuals last year than we were this year.” As Oxford found out months later, this made for a successful plan. Not only did Oxford make the state playoffs for the first time in 13 years, the Yellow Jackets won the Class 6A, Area 12 title and posted a 13-5-2 record. They did it behind the play of Filiberto Ruedas, Luis Gomex, Andrew Sheltzer, Matthew Lin and Bryant Luis. “The highlight of the season was our area game against Gadsden City. It was the game that put us in first place in the area,” McDonald said. “Our goalkeeper, Andrew Seltzer, stopped a penalty kick with four minutes left that could have tied the game. It came down to us winning the area and coming in second.” Although McDonald lost six starters to graduation, he is confident his system will help the program continue to succeed. “The great thing about this season was I was able to play a lot of young players. I have some eighth-graders that had game-time experience that was really good,” McDonald said. “I look at it like Alabama football in that you never start over, you just reload. I think that’s what we’ll do next year.” Brandon Miller covers prep sports for The Star. He can be reached at 256-235-3575 or follow him on Twitter @bmiller_star
All-Calhoun County boys soccer team
by Brandon Miller
Jun 17, 2013 | 250 views |  0 comments | 12 12 recommendations | email to a friend | print
FIRST TEAM Filiberto Ruedas 5-5, Sr., MF • Oxford Noteworthy: Ruedas led the team with 19 goals and eight assists, earning the Yellow Jackets’ co-Offensive MVP award for the second straight season. Mason Tompkins 5-10, Jr, D • Jacksonville Noteworthy: Tompkins was the glue of the Golden Eagles this past season, serving as the team captain and starting every game. The junior scored 14 goals and contributed eight assists, while also playing excellent defense. Mitchell Baker 5-6, 8th, F • Donoho Notewothy: Baker was the leader of the team despite being only an eighth-grader. He led the Falcons with 24 goals for the season. Baker started the year scoring Donoho’s first 18 goals. Schuylar Bucker 5-6, So., MF • Donoho Noteworthy: Buckner was the workhouse for the Falcons last season while playing center midfielder. The sophomore scored one goal for the season. Adan Escareno 5-8, Sr., F • Anniston Noteworthy: Escareno led Anniston’s offense in every way this past season. The senior led the team with 13 goals and six assists to finish his high school career. Josiah McDaniel 5-11, So., MF • Faith Christian Noteworthy: McDaniel played a large role for the Lions as a sophomore, scoring 14 goals and recording seven assists. Bryan Manuel 6-0, Sr., GK • Jacksonville Noteworthy: Manuel kept the Golden Eagles in numerous games this past season. The senior recorded eight shutouts and also scored two goals as an offensive player. Stephen Emerson 5-11, Sr., F • Faith Christian Noteworthy: Emerson led the Lions with 16 goals and also recorded five assists during his senior season at Faith Christian. Luis Gomez 4-8, Jr., F • Oxford Noteworthy: Gomez played a large role for the Yellow Jackets, finishing second on the team with 16 goals and five assists. He was awarded the co-MVP award for Oxford. Andrew Seltzer 6-1, Jr., D • Oxford Noteworthy: Seltzer earned the Yellow Jackets’ Defensive MVP award after helping Oxford reach the playoffs. The junior started one game as the goalkeeper, a 1-0 win against Gadsden City. Bryant Lewis 5-11, Sr., D • Oxford Noteworthy: Lewis played offense and defense for the Yellow Jackets and scored five goals and had three assists on the season. The senior also earned Oxford’s Leadership Award. Second TEAM Oxford — Matthew Lin, Gustavo Rios, Johnathan Becerra; Faith Christian — Tyler Johnson, Sydney Nordan, Parker Moore; Jacksonville — Brian Pryor, Andrew Staples, Austin Martin, Tyler Pass; Donoho — Wilson Landers.
Hobson City Town Council plans for the future
by Eddie Burkhalter
eburkhalter@annistonstar.com
Jun 17, 2013 | 163 views |  0 comments | 15 15 recommendations | email to a friend | print
HOBSON CITY – Among the individual goals Town Council members discussed in a Monday workshop, infrastructure improvements remained at the top of nearly everyone’s list. The combined list is varied, and it will take many sources of money – from grants to local funds – to pay for it all, the council and Mayor explained as they discussed each item during a workshop. Susie Jones, chair of the town’s Parks and Recreation Committee, asked for installation of Plexiglas windows and exterior doors at the field house at the youth sports football field, and for repair of the restrooms there. Chair of the Water and Sewer Committee, Joe Cunningham plans to change numerous leaking water meters throughout town. About 60 water meters were replaced in previous years, and there may be a grant available to pay for replacement of more, Hobson City Mayor Alberta McCrory said. The town’s water tower needs to be refurbished, McCrory said, and an old estimate on that work will have to be redone. Additionally, regular maintenance needs to be done on the water pump next to the tower, she said. An arch welcoming people to Hobson City is something Councilwoman Deneva Barnes, chair of the Streets Committee, said she’d like to see built in the coming months. A beatification board could help in that effort, Barnes said. She’d like to start such a board, and said it could help raise money to build the arch. O’Mildred Ball, chair of the Sanitation and License Committee, would like the town to consider buying a new, or slightly used, garbage truck to replace its aging one. Ball also asked about the possibility of increasing the town’s business license fees, and McCrory said that’s something she is currently considering. “We have a lot of people come into town doing odds and ends jobs,” Ball said, referring to contractors who work without paying for a business license through Town Hall. Freddie Striplin, chair of the Police and Public Safety Committee, remains worried about crime in recent weeks. “I’d like to restore a sense of safety on MLK,” Striplin said. Traffic is slowing after Calhoun County deputies began regular patrols last month, Striplin said, but there remains a criminal element that needs to be addressed, he explained. A dormant neighborhood crime watch program needs to be restarted, Striplin said, explaining it could help curb crimes that may be going unreported. “I think you’re going to have some help with that. The Housing Authority has already said they’d like to start their own watch,” McCrory told Striplin. Stray dogs — some of them seemingly aggressive — have become another problem Striplin said he’d like to address. McCrory said there is the possibility of contracting with Calhoun County Animal Control to pick up those animals. McCrory said more work is needed on Town Hall, housed in the town’s former elementary school. Painting is needed, as are repairs to the leaking roof, she said. “These are the things we’re going to get working on,” McCrory said. “And they’re the things we needed to hear.” The next council meeting will take place June 24 at 6:30 p.m. Staff writer Eddie Burkhalter: 256-235-3563. On Twitter @Burkhalter_Star.
Regional Medical Center to break even with 2014 budget
by Patrick McCreless
pmccreless@annistonstar.com
Jun 17, 2013 | 192 views |  0 comments | 16 16 recommendations | email to a friend | print
Regional Medical Center in downtown Anniston is shown in this file photo. The institution is expecting an accreditation survey in the near future. Photo: Trent Penny/The Anniston Star
Regional Medical Center in downtown Anniston is shown in this file photo. The institution is expecting an accreditation survey in the near future. Photo: Trent Penny/The Anniston Star
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Regional Medical Center will reduce worker overtime and other general costs to remain in the black next year, offsetting a loss of $4 million in Medicare money due to federal health reform. During its regular meeting Monday, the RMC board approved an approximately $139.8 million operating budget for its 2013-2014 fiscal year. Despite a projected $4 million cut to its Medicare revenue due to the Affordable Care Act, or Obamacare, RMC administrators project the Anniston hospital will break even and maintain its health services through a combination of general expenditure cuts and improved efficiency. "We're playing it flat," said Greg Kernion, chairman of the RMC board, referring to the hospital's budget. "We're expecting a huge reduction in reimbursements, so we're tightening our belts." The Affordable Care Act in 2014 will reduce Medicare spending and expand it for Medicaid. Medicare is a social insurance program mainly for residents 65 years old and older as well as the disabled. Medicaid is a joint federal and state program that covers health care costs for low-income residents and children. Alabama has so far chosen not to expand its Medicaid program. Low-income residents ineligible for Medicaid or Medicare will be able to purchase affordable insurance through insurance marketplaces, which will be set up in every state starting next year. David McCormack, CEO of RMC, said the insurance marketplaces and the estimated cost-savings they could provide were not factored into RMC's latest budget. "Those won't really kick in until the year after next," McCormack said. To offset its Medicare losses, RMC will maintain all its health care services but will reduce its general operating expenses by between 6.5 percent and 7 percent for its 2014 fiscal year. For instance, the budget projects the hospital will spend $67.42 million on salaries and benefits through 2014 — a slight decrease from the $67.9 million the hospital projected it would spend on workers in the previous budget. "We're trying to manage overtime," McCormack said. "We're finding people are coming in early and clocking in and staying late." McCormack was adamant that there will be no layoffs for this new fiscal year. "We'll fight until the bloody end before that," McCormack said. McCormack said the hospital is making up the loss in Medicare revenue by becoming more efficient and reining in unnecessary spending on indigent care. The budget projects RMC will spend approximately $53 million on charity care — care provided to residents without insurance or any ability to pay. RMC spent almost $60 million on charity care last year. "We've done a better job of managing those patients," McCormack said. "We're getting them treated quicker and out of the hospital faster." The budget did not include expenses from RMC Jacksonville. RMC purchased the Jacksonville hospital for $6 million in December. McCormack said RMC Jacksonville's budget will be ready next month. He added that the Jacksonville hospital's budget will be wrapped into RMC's next year. Staff writer Patrick McCreless: 256-235-3561. On Twitter @PMcCreless_Star.
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