July 18, 2008

Writer’s Conference opens in Seattle

Today, I’ll be attending the Pacific Northwest Writers Association conference in Seattle.

I’m looking forward to the keynote talk by thriller writer Gayle Lynds. She’s a boomer.

In upcoming posts on The Survive and Thrive Boomer Guide, I’ll let you know about interesting boomer writers and books I discover at the conference.

Copyright 2008, Rita R. Robison, Consumer Specialist

July 17, 2008

Have you been able to find a cheap, last-minute airline ticket recently?

Monday, at the last minute, I decided to go to Sacramento on Tuesday to celebrate an event with my daughter and her family.

Since I’d seen cheap, last-minute tickets on the Web about five years ago, I was hoping such bargains were still available.
Alaska Airlines IMG_1572
I started out by called Alaska Airlines to see what the rate for a next-day ticket would be. A sales representative told me $460, about twice the price if I’d booked in advance. I looked on Alaska’s Web site to see if the cost would be substantially cheaper. Unfortunately, it was $440.

I looked under “Deals” on the Alaska site. No deals were available for traveling to Sacramento.

The Alaska sales representative suggested I try Last Minute Travel.com. No luck there. The price was the same as on the Alaska Web site. No deals to Sacramento were offered.

I tried Expedia.com and Price Line. No luck at either. I tried their Deals sections, too, but nothing turned up for Sacramento.

Since time was running out, I decided to cash in my Alaska Airline miles. I only had 14,921 miles, just 79 miles short of the 15,000 miles required to get a reduced-fare ticket. A customer service representative at the Alaska Airlines Mileage Plan gave me 80 points. Then I could go to the Alaska Web site and sign up for the reduced ticket.

While it took more time than I wanted to spend to get the Web site to issue me the ticket, I finally received it. The price was $233.

I enjoyed my visit, leaving Seattle-Tacoma International Airport at 10:10 a.m. and returning from Sacramento at 8:20 p.m. It was a great celebration.

However, I would have preferred not to use up all my Alaska Mileage Plan miles.

What’s your experience? Have you been able to find a low-priced, last-minute airline ticket lately?

Copyright 2008, Rita R. Robison, Consumer Specialist

July 16, 2008

Raspberries, blueberries, strawberries good for your health

I love raspberries. I was pleased to return from my vacation and find my raspberry patch in full production.

Raspberries IMG_1689_2 It’s such a great time of year in the Pacific Northwest. Berries do well here, and we’ll have these healthy fruits well into fall.

Raspberries, blueberries, and strawberries contain phytonutrients – plant nutrients – that promote good health.

So, it’s a good time of year to eat these wonderful fruits.

Scientists are interested in the potential health benefits of flavonoids, how raspberries, blueberries, strawberries, and certain other phtytonutrients are classified, according to the Linus Pauling Institute at Oregon State University.

Higher intakes of flavonoid-rich foods are associated with reductions in cardiovascular disease risk, the institute reports.

Flavonoids may protect against lung cancer by stopping the development of blood vessels that tumors need to grow and spread, according to an article in the June issue of Cancer.

Copyright 2008, Rita R. Robison, Consumer Specialist

July 14, 2008

Is a home-exchange vacation for you?

Now that her twins are four years old and better travelers, my daughter, who lives in Miami Beach, decided to arrange a home exchange vacation in Seattle. She wanted to visit her friends there and save the costs of a large hotel bill.

Since I live 60 miles to the south, in Olympia, I could visit, join the vacation activities, and baby sit when she and her husband wanted to go out with their friends.

Space Needle IMG_1347 My daughter paid $65 on a home exchange Web site and listed her home. She found a home in Seattle that looked promising whose owners were interested in going to Miami Beach. She contacted the owners to see if mutually acceptable dates could be worked out to exchange their homes.

They were able to work out the dates, so for two weeks I was able to enjoy having my twin grandchildren nearby.

We had a great time. The twins were very comfortable in the home setting and enjoyed playing with all the “new” toys and the family cat.

My oldest daughter and her family came to Seattle, too.

We visited the Space Needle, Children’s Museum, Woodland Park Zoo, Experience Music Project, Seattle Aquarium, Pacific Science Center, and the Museum of Flight. The twins liked the zoo and the Museum of Flight best.

We also enjoyed Seattle parks, cards games, a Bingo-like game called Zingo, and fireworks from the balcony on the Fourth of July.

I loved the home exchange. It seemed like a fantastic way to have a vacation.

What did my daughter think? Would she do it again?

Although she loved visiting her friends and had looked forward to it for four years, she said it was exhausting to pack for the trip, get her house ready for guests, and then set up a new household in Seattle.

Although I helped her clean the house throughout the vacation and the day before she and the twins left, she said next time she might hire cleaners so we could enjoy ourselves on the last day of the vacation rather spend the time cleaning.

The Independent Traveler has these tips for home exchanges:

  • Plan as far in advance as possible.
  • Be flexible about your dates.
  • Describe your home and community in an attractive way.
  • Be precise about what you’re offering, such as use of the family car.
  • Communicate frequently about details to develop a friendship and trust.
  • Be sure that both of you are adequately insured; this includes car insurance if your vehicle will be involved in the swap.
  • Ask for references to prevent problems.
  • Develop an informal written agreement that outlines the terms of your exchange.
  • Leave information about how to use your appliances, clean linens, and contact numbers.
  • Make sure your house is clean and that you’ve left drawer and closet space for your guests.
  • Store valuable items in a safe or close off a room.
  • Make sure you clean the home and wash the linens in the home you’ve been staying in before you leave.
  • Consider leaving a small gift to show your appreciation.

Problems with home exchanges are rare, according to the Independent Traveler article. You can report serious problems to home exchanging organization. Although these organizations don’t accept responsibility for damages occurring during an exchange, a person’s membership could be revoked.

Some organizations offering home exchange Web sites:

InterVac

HomeLink International

HomeExchange.com

Digsville

Home Base Holidays

Only in America Home Exchange

Copyright 2008, Rita R. Robison, Consumer Specialist

July 11, 2008

New recall information: USDA to list retail stores receiving recalled meat and poultry products

Retail stores receiving meat and poultry products involved in Class I recalls – those with the most serious health consequences – will soon be listed by the U.S. Department of Agriculture, according to an announcement from the department.

The identity of retail stores with recalled meat and poultry from their suppliers has been a missing piece of information for the public during a recall. With this information, people can be on the lookout for recalled meat and poultry at their local store.

A list of retail stores that receive food subject to Class I recalls will be posted on the USDA's Food Safety Inspection Service Web site within about three to ten business days of a recall release.  The list also will be shared with state and local public health officials.

A Class I recall is one that involves a reasonable probability of serious health consequences or death for those with weakened immune systems.

Copyright 2008, Rita R. Robison, Consumer Specialist

July 10, 2008

MoneyGram to pay $1.1 million to help prevent wire transfer fraud

MoneyGram Payment Services has agreed to a multi-state agreement intended to help prevent U.S. residents from becoming victims of wire transfer scams.

MoneyGram will pay $1.1 million to fund a national peer-counseling program to be overseen by the AARP Foundation. The company also agreed to print an attention-grabbing warning on its form used to send money and provide enhanced training to branch agents.

Attorneys general in 44 states and the District of Columbia reached the out-of-court agreement with MoneyGram on July 2, 2008. The case was initiated because 10 states had concerns about the use of MoneyGram’s wire transfer services by scammers. The states reached a similar agreement in 2005 with Western Union.

Con artists prefer wire transfers because they are fast, there are transfer agents in most communities, and funds can be picked up in multiple locations.

Consumers have been tricked by fake employment ads, bogus loan offers, sham foreign lotteries, and schemers who pretend to be interesting in buying or selling something from you. In most cases, the victim is sent a counterfeit check and told to keep a portion of the money and wire the rest. The check ultimately bounces, sometimes weeks after the funds initially appeared in the victim’s account. Victims who have already wired or spent the money are sometimes hit with overdraft fees and seldom recover what they lost.

A survey by seven states found that telemarketing fraud was a factor in more than 29 percent of Western Union transfers in excess of $300 that were sent from the U.S. to Canada in 2002. In addition, fraud-induced transfers represented 58 percent of the total dollars wired during the survey period. The states projected that consumers nationwide lost an estimated $113 million because of these scams.

Under the agreement, MoneyGram will:

  • Continue its policy of allowing consumers to cancel pending wire transfers from any outlet – not just the location where they initiated the transfer – or by calling 1-800-MONEYGRAM when there is reasonable belief that the transfer was fraud-induced. A customer who initiates a transfer through MoneyGram’s Web site can cancel the transaction by calling 1-800-922-7146. In addition, the company will refund the consumer for any service fees.

  • Ensure that money transfers sent from the United States can only be picked up in the country designated by the sender. The policy may potentially be modified to limit pick-ups in specific states or provinces, if needed.
  • Circulate monthly anti-fraud e-mails to MoneyGram outlets. A company software program will also generate messages anytime an agent in the U.S. attempts a transaction that exceeds $500.
  • Create new training materials for its agents to more strongly address the issue of fraud-induced transfers and provide enhanced training to personnel who work at locations known to have a high level of fraud-induced transfers.
  • Block transfers from specific consumers or to specific recipients when the company receives information from a state that there is reason to believe that fraud will occur, until such time as the consumer is counseled on fraud and requests resumption of the transfer.
  • Increase the number of anti-fraud staff and, if possible, improve its computer system to spot suspected fraud-induced transfers before they are completed.
  • Provide the states with information about consumer fraud complaints.
  • Pay $150,000 in attorneys’ fees and costs, to be shared among the states that negotiated the agreement: Arkansas, Illinois, Massachusetts, New Jersey, North Carolina, Ohio, Texas, Vermont, and Washington.

MoneyGram offers wire transfer services at more than 125,000 locations in the U.S. and an additional 100,000 worldwide. Its agents are independent contractors.

The following states participated in the agreement: Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia, Washington, West Virginia, and Wyoming and the District of Columbia.

Copyright 2008, Rita R. Robison, Consumer Specialist

July 09, 2008

How to reduce your spending by $500 each month

In these tough money times, figuring out how to reduce your spending by $500 a month would cause excitement in most households.
 
“Cut Your Spending by $500 Per Month,” an article in the August issue of Consumer Reports, offers six tips to find savings in everyday spending. The tips include:

  1. Find cheaper auto insurance – Savings, $65.
  2. Optimize your life insurance – Savings, $110.
  3. Shop smart for food – Savings, $200.
  4. Call up phone savings – Savings, $35.
  5. Stop paying bank fees – Savings, $25.
  6. Pay off your credit card – Savings, $65.

The article offers details on how to carry out each strategy.
 
What should you do with the savings? Consumer Reports suggests you put more into your 401(k), IRA, or other tax-deferred retirement account.

Copyright 2008, Rita R. Robison, Consumer Specialist

July 08, 2008

Taking a look at clutter control for each room in your home

For one family, it was a messy mudroom. For another, their kitchen was a dumping ground. For a third family, their home office wasn’t working.

Other problems included a laundry room that wasn’t providing a space for exercising, a dining room that had to double as an office, and a daughter’s bedroom that was a disaster.
 
These six clutter problems from throughout the United States were tackled by a team led by Chip Cordelli, interior design consultant, for an article in Real Simple magazine.
 
See “America Gets Organized: Six Families Conquer Their Biggest Clutter Challenges,” which appeared in the October 2007 issue of the magazine.
 
When you get ready to deal with your clutter, having the tools you need will help you get the job done. The link above shows the storage containers, organizers, furniture, shelving, and other items that helped to organize these six problem rooms.

Check your local library for Real Simple's October 2007 magazine.

 Copyright 2008, Rita R. Robison, Consumer Specialist

July 07, 2008

A historical look at cutting clutter

“In (Desperately) Seeking a Clutter Cure,” which appeared in the February 2008 issue of Domino magazine, Cynthia Kling, a self-professed thing-aholic, took a humorous look at clutter books.  

The prime motivator of clutter books is guilt, Kling said, who reviewed more than 30 books on the topic for the article. Some of the books she took a look at include:

  • “Mrs. Beeton’s Book of Household Management” by Isabella Beeton, 1861, which set the standard of housekeeping with its Victorian, keep-everything-in-place moralistic lectures.
  • “The I Hate to Housekeep Book” by Peg Bracken and “Nobody Said You Had to Eat Off the Floor” by Carol Eisen, 1960s, two books that offered a total change of attitude with the arrival of the feminist movement.

  • “Clutter’s Last Stand” by Don Aslett, 1984, that was the first book to use the term clutter. Aslett advised people to get rid of their rubbish, which he called stuff they couldn’t make decisions about.
  • Martha Steward's books and magazines, 1980s, that told people they need to do all household tasks wonderfully and store things beautifully, despite space limitations.
  • “Best Organizing Tips” by Stephanie Winston and “Clutter Control” by Jeff Campbell, 1990s, which ushered in an era of more sophisticated clutter books.
  • “Organizing from the Inside Out” by Julie Morgenstern, 2004, that offered advice Kling liked – get pretty storage boxes you like to solve your clutter problems.

Kling closes her article with a list of Clutter-Control Wisdom of the Ages:

  • Open mail over the trash or recycling bin, and conduct all of your bill-paying online.
  • Do a daily 5-minute cleanup of hot spots throughout the house where things tend to gather, and make a quick sweep.
  • File newspapers and magazines once a week, and throw away those you haven't read.
  • Purge wire hangers monthly.
  • Clear closets yearly.
  • Arrange wardrobe by type.
  • Fold sheet sets inside one of the pillow cases, and store in the linen closet as a unit.
  • Don’t overstuff drawers or they'll become a jammed mess.
  • Eliminate unused items in the kitchen.
  • Make a list before you shop for storage items and be sure to measure to get the right size.

If you’re unable to get your clutter under control, you can hire an organizer to help you from the National Association of Professional Organizers.

Another article in this issue of Domino, "The 5-Step Clutter Cure," shows how one storage piece plus four accessories equals "organized bliss." The article offer some great suggestions for entry ways, mail centers, bedrooms, and bathrooms. However, the Cape Lodge chest for the bedroom from Ralph Lauren priced at $9,885 would be too expensive for most homes.

These articles aren't available online. The link above is one that mentions the first article. Check your local library for a copy of the February 2008 issue of Domino. Or, if you're interested, you can contact Domino to find out how to order a reprint.

Tomorrow's post will offer more clutter tips, Taking a look at clutter control for each room in your home.

Copyright 2008, Rita R. Robison, Consumer Specialist

July 04, 2008

15 things you should never buy again

When we were getting ready for our Fourth of July party, I thought of two lists I’d read on the Co-op America Web site: Ten Things You Should Never Buy Again and Five More Things to Never Buy Again.

Avoiding the purchase of these items will help the environment, according to Co-op America. For each item on both lists, an explanation is given on why it’s harmful to you and/or the environment. Alternatives are given for each listing, along with the best option.

Paper Towels Napkins Silverware 2 2008 IMG_1542_2 Ten Things You Should Never Buy Again

  1. Styrofoam cups.
  2. Paper towels.
  3. Bleached coffee filters.
  4. Over packaged foods and other products.
  5. Teak and mahogany.
  6. Chemical pesticides and herbicides.
  7. Conventional house cleaners.
  8. Higher octane gas than you need.
  9. Toys made with PVC plastic.
  10. Plastic forks and spoons.

Five More Things You Should Never Buy Again

  1. Farm raised salmon.
  2. Rayon.
  3. Beauty/body care products with phthalates and parabens.
  4. Cling wrap.
  5. High VOC paints and finishes.

Click on the links above to learn more about the environment and health problems associated with these products.

Copyright 2008, Rita R. Robison, Consumer Specialist