Take Action to Improve Your Financial Situation in BLUE ASH OHIO
By Katie Bryan, America Saves Communications Director.
America Saves Week, February 24
March 1, 2014, is a time to review your finances, decide what you want to
save for, and set up a system that will allow you to save automatically. Thats
why the America Saves Week theme is Set
a Goal. Make a Plan. Save Automatically. Did you know that only half of
Americans report having good savings habits? Even if you are already saving,
its good to take a look at your goals and decide if you can save more or start
a new savings goal. Join thousands of others who are pledging to pay down
debt, save money, and take financial action during America Saves Week.
Not sure what to
save for or what to save for next? Here are the most popular saving goals
of those who have pledged to save through America Saves:
· Save for Emergencies - Only 37 percent
of low-to-moderate income households have a savings or money market account at
a bank or credit union and nearly a quarter of savers who have pledged to save
have chosen emergency savings as their first wealth-building goal. Learn
· Save for Education - Saving for
education is the second most popular goal savers select when they pledge to
save with America Saves. There are many different things to factor in when
saving and paying for college. Learn
· Pay Down Debt - Getting out of debt is the #3 goal
Savers select when they pledge to save. That does not come as a surprise since
a 2012 survey found that 45% of families
with annual incomes under $50,000 rely on credit cards to pay for basic needs
such as rent, utilities, insurance and food. Learn
· Save for a Home - For decades, home ownership has
been the main path to wealth for most Americans. Today, home equity - the
market value of a home minus the balance on any home loans - represents more
than four-fifths of the typical family’s wealth. Learn
· Save for Retirement - Retirement
savings is a top priority for many Savers. Saving for retirement now will
ensure that you have enough money to maintain a comfortable standard of living
when you stop or reduce the amount of hours you work. Learn
Not sure how to
save for your goals? Here are some saving strategies to help:
· Save Automatically - The easiest and
most effective way to save is automatically. This is how millions of Americans
save at their bank or credit union, and how millions of employees save through
401(k) and other retirement programs at work. Learn more.
· Save at Tax Time - Do you spend weeks eagerly
anticipating your tax refund? When the money finally comes in, is it gone
tomorrow? Many people view tax refunds as unplanned bonuses. They see the money
as a gift from the government, to use for splurges or treats. But a tax refund
provides the opportunity to improve your financial situation. Learn
the America Saves Pledge (or re-pledge) today to set your savings goal and
make a plan to save. When you take the pledge you can also choose to receive
text message tips and reminders to help you save for your goal. And dont
forget to follow America Saves on Facebook
America Saves Week is coordinated
by America Saves and the American Savings
Education Council. Started in 2007, the Week is an annual opportunity for
organizations to promote good savings behavior and a chance for inpiduals to
assess their own saving status
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Buying prescription drugs via the Internet: A consumer guide to BLUE ASH OHIO
The Internet has changed the way we live, work and even as bought. The advance of the Internet has made it possible to compare prices and buy products without having to leave the house. But when used for medicine is important to be very careful. Some websites sell drugs that are not legitimate, putting their health at risk.
For example, some websites that sell medicines:
They are not licensed pharmacies with state of the United States or are not really pharmacies.
They can give an incorrect diagnosis or sell you a drug that is not appropriate for your medical condition.
Do not protect your personal data (eg social security number and credit cards).
Some of the drugs that are sold on the Internet:
They are fake (counterfeit or adulterated).
They are very strong medicine dose or very low concentration.
They contain ingredients that can be harmful to your health.
They are expired or expired medicines.
They have not been approved by the Food and Drug Administration (FDA for its acronym in English), or have not been studied for their safety and efficacy.
They have been prepared using safe standards.
They are not safe for use with other medicines or products you use.
No right or have not been properly stored or shipped labels.
TALK TO YOUR DOCTOR BEFORE TAKING ANY MEDICINE FOR THE FIRST TIME
Talk to your doctor and get a physical before taking any medicine for the first time.
Use only medications that have been prescribed by your doctor or other health professional you trust, who is licensed in the United States to give prescriptions or prescriptions.
Ask your doctor if you have to do something specific for your prescription.
The following information will help protect (a) if you purchase medicines via the Internet:
KNOW WHERE YOUR MEDICINES COME TO MAKE SURE THEY ARE SAFE
Make sure that the website where you buy your drugs is state-licensed pharmacy in the United States and you are located in the United States. Pharmacies and pharmacists in the United States must be licensed by a state pharmacy board. The pharmacy board of the state where you reside, you can tell if the website you use is a state-licensed pharmacy if you have good reputation, and if you are located in the United States. For a list of state pharmaceutical boards in English at the National Association of Boards of Pharmacy (NABP) whose website is:www.nabp.net . For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645), the Li line Telefónica Health National Hispanic Family.
The NABP is a professional association of pharmaceutical state boards. This association has a program that will help you find some of the pharmacies that are licensed to sell through the Internet. The websites where the hallmark of this program appears, have been checked to ensure they comply with federal and state regulations. For more information in English about this program and for a list of pharmacies where VIPPS® (Verified Internet Pharmacy Practice Sites ) seal appears, visit the website: www.vipps.info . For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645) National Helpline Hispanic Family Health.
. Find the websites whose practices are designed to protect you a secure website should:
Be located in the United States and be licensed by the state pharmacy board which operates the website (visit the website www.nabp.net for a list of state pharmaceutical boards in English). For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645) National Helpline Hispanic Family Health.
Have a licensed pharmacist who can answer your questions.
Require a prescription from your doctor or other health professional who is licensed in the United States to give prescriptions or prescriptions.
Having a medium through which you can talk to a person if you have any problem.
MAKE SURE YOUR PRIVACY IS PROTECTED
Note that the privacy and security of the site you will find easy to use and understand.
Do not give any personal information (such as your Social Security number, the number of your credit card or your medical history) unless you are sure the website will keep the protected information and not made public.
Ensure that the website will not sell your personal information unless you authorize it.
PROTECT YOURSELF AND OTHERS
Report the web sites you do not feel safe (a), or those for which you have complaints. Visit the website www.fda.gov/buyonline and click under "Notify the FDA sites web troubled "to fill the form in Spanish.
With a simple phone call you can reach someone who has not contacted in a while. This is one reason why many people prefer to keep their telephone number when they change provider or telephone company.
You can keep your local phone number or mobile if it remains within the United States. But before finalizing any changes, you should follow some suggestions:
1. Verify that you have completed your contract , if you have one supplier. Otherwise, the current company may charge you a penalty.
2. Contact the new provider to start the transfer number.
3. Make sure the provider can keep your current phone number.
4. Verify that there are no additional charges for service change. If so, try to reach an agreement with the supplier.
5. Read through the terms and conditions of the new contract before signing.
6. Provide the new phone company your 10-digit number and any other required, as your customer account number, access code and your 5-digit zip code information.
7. Cancel the previous service after obtaining the service with your new provider. Try to do the day of your closing date to avoid monthly outstanding balance.
Note: You can also transfer a local phone number to a mobile phone, but this process can take longer. Check with your supplier before making the change.
If the provider can not solve it, you can file a complaint with the Federal Communications Commission by calling 1-888-225-5322 (English) 1-888-835-5322 (TTY for hearing impaired), or through Internet (in English).
This issue of keeping the phone number is known as Number Portability (keeping your number if you change providers).