www.the-review.com • Wednesday, May 6, 2009 • Page C11
Money-saving tips for seniors
By JASON ALDERMAN ■ LIHEAP the Low-
, gov/MedicaidGenInfo. of the transaction – waiting websites or mailers regularly
Practical Money Skills for Life
Income Home Energy Assis- ■ Rental assistance for until you settle the bill may for new offers.
tance Program, which pro- low-income families is be too late. One precaution, Ensuring a worry-free
Thanks to the rocky econ- vides grants to help pay util- available from several U.S. however: Senior rates at air- retirement requires a lot of
omy, most people’s retire- ity bills. To see if you qualify, Department of Housing and lines, hotels, car rental agen- planning, both before and
ment savings have taken go to www.acf.hhs.gov/pro- Urban Development pro- cies and other travel-related after you leave the workplace.
a beating in the past year. grams/ocs/liheap. grams as well as other state businesses are not always Visa’s free personal ﬁnancial
In fact, many folks have ■ Also, check with your and local agencies (see www. the cheapest available, so management site, Practical
been forced to postpone water, garbage collection, hud.gov/renting/index.cfm check their websites or ask a Money Skills for Life (www.
retirement because of their telephone and television for details). phone representative for the practicalmoneyskills.com/
shrinking nest eggs. And, cable companies to see ■ Go to www.usa.gov/Citi- lowest available rate before retirement) contains many
those who’ve already retired if they offer discounts for zen/Topics/Beneﬁts.shtml for requesting the senior rate. tools that can help.
no doubt have noticed that seniors, low-income families a comprehensive overview of Check your afﬁliations. Jason Alderman directs
their money doesn’t go as or the disabled. Rules vary, additional aid programs. Organizations like AARP , Visa’s ﬁnancial education
far because of increases in but you’ll likely be asked to Senior discounts. Before AAA and credit card issu- programs. Sign up for his
housing, food, utilities, pre- provide proof of age, income purchasing anything, ask if ers often offer member dis- free monthly e-Newsletter at
scription drugs and virtually or disability status in order they offer senior discounts. counts on various items www.practicalmoneyskills.
everything else. to qualify. Always ask at the beginning and attractions. Check their com/newsletter.
Even optimistic economic ■ SNAP the USDA’s Sup-
observers don’t anticipate plemental Nutrition Assis-
things will improve signiﬁ- tance Program (formerly
cantly any time soon, so it’s known as food stamps), helps
time to tighten the belt. Here millions of lower-income
are a few areas where retirees Americans buy nutritious
— and retirement wannabes food each month. Visit www. LUXURY APARTMENTS
— can stretch their dollars fns.usda.gov/snap for qualiﬁ-
and reducing spending: cation requirements.
■ Medicaid. Many unin-
Special Rates for Seniors
Pay down debt. List your
sured people who aren’t yet
outstanding credit card and
loan balances by interest eligible for Medicare can 330-823-1020
rate and pay off those with obtain medical coverage www.gorisproperties.com
the highest rates ﬁrst, there- through state-administered
by lowering the amount of Medicaid programs. To learn Personally Managed by Brad & Sue Goris
interest you pay overall. more, visit www.cms.hhs.
And always make at least
the minimum payment on
each account – on time – to
prevent credit score dam-
$$ PAYING TOO MUCH FOR
age that could increase your
Medical expenses. If your
Medicare or other health
insurance doesn’t cover a MOST IN ALLIANCE ARE!!!
speciﬁc medical expense,
ask the doctor’s ofﬁce about
Senior Living Community
discounts for paying in cash. As the only family run Independent Living with assistance facility in Alliance we like to keep things simple.
Also, explore using generic That’s why our Assisted Living Apartments have various prices to choose from! All rooms are tastefully
drugs and see if your plan
offers discounts for order- furnished and include laundry, cable, meals, lifeline and entertainment opportunities. Most rooms furnished
ing several months’ worth of with a microwave & refrigerator! Residents may also have therapies in the privacy of their room through
routine medications at once
by mail. our on-site Premier Therapy team. Nursing staff and aides available 24/7!
Insurance. To lower Plan your respite stay for the holidays
monthly premiums, consider
raising deductable amounts
on your auto and home-
The Inn Hunter’s Run Fox Chase We have
owner or renter’s insurance. This building Aging in Place
This building This building has a 12
Also, rates typically decrease programs to keep your
when you reach age 50 or features the only features Hunter’s seat Movie Theater with
55, especially if you take a Adult Day Care Run Pub. You just 72” screen. Like the pub
defensive driving course, so longer!
be sure to ask. in Alliance have to see it! you just have to see it! Enhanced $10.95 PPD
Government programs. Premium $21.95 PPD
sored beneﬁts, grants and Just another example of OUR family taking care of YOUR family! Call for details
ﬁnancial aid programs exist 330-821-3939
to help low-income families, Skilled Care Center available for short Term Therapy or Long Term Stay.
seniors and others pay their
2350 Cherry Street Alliance, Ohio 44601 330-821-3939