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• MONEY Presentation Information:
• Presented to Local Groups
• Schedule a Presentation
• Price: Donation in Lieu of Fee
• Contact Chris Dabis
• FIND IT.....
• Nationwide Unclaimed Property & Money:
• California Unclaimed Property
• Nationwide - Unclaimed Items
• U.S. Savings Bonds - Unclaimed
• IRS Refunds - Unclaimed
• California Unclaimed Property Auction
• HUD / FHA - Unclaimed Money
• Pension Benefits - Unclaimed
• FDIC Insurance - Unclaimed
• PROTECT IT.....
• Preventing Identity Theft:
• Balance Accounts / Shred Documents
• Photocopy Credit Cards / ATM / Driv. Lic.
• Safely Store Your Data
• Protect Social Security Number
• Leave Credit Cards at Home
• Dangerous Computer Files
• If Identity Theft Occurs:
• Find Your Photocopied Credit Card Doc.
• File a Police Report
• Notify Credit Agencies
• Place Fraud Alert on Your Name & SS No.
• File Reports I.D. Theft Reports
• Credit Cards vs Debit Cards:
• Credit Card Zero Liability
• Proof of Zero Liability
• Safe Transactions?
• Disputes on Credit Card Charges
• BankRate.com's Credit Card Topics
• View Your Bank's Financial Data:
• National Information Center
• FDIC Reports on Your Bank
• Restoring Your Credit:
• Work with the Better Business Bureau
• Fair Debt Collection Practices (law)
• Avoid Scams:
• Don't Let Greed Drive You into a Scam
• Stay in Control
• Keep Your Guard Up
• Seek Advice from Others
• Debit Cards:
• Responsibility to the Customer
• Using a Debit Card Online
• BankRate's Debit Card Topics
• Your Finances:
• Estimate Your FICO Score
• Obtain Your Credit Reports
• Opting Out of Financial Sharing
• Opting Out of Junk Snail Mail
• Remove you Contact Information
• Opting Out of Pre-Approved Credit Cards
• SPEND IT.....
• Know Your Prices:
• Kelly Blue Book
• Real Estate Sale Prices
• Epinion.com - Price Comparison
• PriceWatch.com - Elect. & Comp. Prices
• TireRack.com - Tire Prices
• Google.com - Search for Product Prices
• Lower Your Bills:
• ClarkHoward.com
• LowerMyBills.com
• Skype.com - telephony
• VirginMobileUSA - cellphones
• California Medical Coverage:
• Access for Infants & Mothers (AIM)
• Managed Risk Medical Insurance Prog.
• Healthy Families Program
• NACo Drug Discount Program
• CalSTAR Medical Helicopter Ins.
• War Veterans:
• Aid & Attendance Pension - $21,000
• Pay, lend, borrow and park your MONEY:
• HOPE for Homeowners
• MoneyAisle - Interest Rate Bidding
• Prosper.com - Borrow / Loan P2P
• PayPal.com - Online Safe Transactions
• EmigrantDirect.com - Internet Only Banking
• CA - Reduce Your Property Taxes:
• Homeowner's Assistance (Refund)
• Renter's Assistance (Refund)
• Property Tax Postponement Program
• CA - Empty Nesters: Downsizing?
• Base Year Value Transfer
• Govt. Benefits - Local, State & Fed.:
• Search all government benefits
• Auctions:
• Of all kinds.... too many to list.
• HOME.....
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• Know the Prices - Price Matching Saves You MONEY!
• Kelly Blue Book Buying a different vehicle? Selling one? Check out the values before you make the deal.
• Real Estate Sale Prices Buying a home, or selling a home, requires that you know the current sales prices in your area. Enter your street address and zip code, then click "Submit".
• Epinion (.com)  It's free. Register, login, and use their "Review" feature to compare prices. When we have to purchase something in the amount of $100 or more, we shop for lower prices using Epinion. Most of the time the product is purchased locally, and that merchant matches the reduced price that we show them.
• PriceWatch (.com)  Computer equipment, digital cameras, fax machines, printers, monitors are listed with their prices and a link to the online company.
• Tire Rack (.com) Research the price of tires. Add the shipping and the expense of having them installed. Then, negotiate a comparable price locally. Example: Tires locally for a Chrysler 300M were $325 per tire. TireRack's price was $93 per tire. Same tire, same manufacturer, same size. Use the price comparison to negotiate a better local price.
• Google (.com) Use Google.com to search product prices. Just put the make and model of the product into their search engine, click "search" and enjoy the results.
• Lower Your Bills
• ClarkHoward (.com)
A popular, down-to-earth, radio personality whose focus is on thrifty purchasing and giving people knowledge on financial matters. Listen to Clark Howard on our local KNCO - AM 830 Radio Station weekdays from 2 PM to 3 PM. I learn something new every time I listen to his show!
• LowerMyBills (.com)
Reduce your long distance rates. Reduce your insurance premiums. Reduce your mortgage interest rates. We pay 5¢ per minute for long distance, including International long distance to England.
• Skype (.com) 
Skype lowered our international phone bill to ZERO!!! with their PC to PC with audio that is far superior to a telephone. And, it's FREE! For PC to telephone it is 5¢ per minute. Check their rates as they may change over the course of time.
• Discount Coupon Online
Don't click the "submit payment" button for online orders until you have checked for discount coupons, reduced shipping, free shipping, two-fors, etc.
• CA - Medical Coverage - Affordable
The State of California requires insurance companies that operate within our state to provide low cost insurance for our citizens. The State administers these insurance programs. Working citizens may not have insurance coverage through their employer, yet their income is not sufficient to buy market-rate insurance coverage. And, they make too much money to be covered by Medi-Cal. These programs are designed just for them!!! Check them out!
• Access for Infants and Mothers (AIM)
This program provides low cost health insurance coverage to uninsured, low income pregnant women and their infants.
• Managed Risk Medical Ins. Program
MRMIP provides health insurance for Californians who are unable to obtain coverage in the individual health insurance market.
• Healthy Families Program
Healthy Families is low cost insurance for children and teens. It provides health, dental and vision coverage to children who do not have insurance and do not qualify for free Medi-Cal.
• NACo Drug Discount Program
Average 20% drug discount prices. This is for EVERYONE living in a NACO membership county, nationwide. Nevada County, California is a NACO county. As a resident of Nevada County YOU qualify for this discount card. Phone (530) 265-1627.
• Air-Ambulance Membership (Insurance)
1st: Check your medical insurance policy to see if you are covered for air-ambulance transportation. If you're not covered, then:
2nd: Contact your local hospital and get a list of the air-ambulance provides they use. Check with them at least annually so you have a complete list of providers.
3rd: Consider becoming a member of each air-ambulance service company that covers your area. Members enjoy paying an annual fee as opposed to the expensive per-flight fees when they use the service.
Medical air transportation costs at least $25,000 and goes UP! Membership plans begin with $20 per person, $40 per couple, $45 per family.
• Veteran's Aid & Attendance Pension
• Veteran's Aid & Attendance
Active duty during war time? Need personal care? Discover YOUR Aid & Attendance Pension Benefit!! This benefit can be as much as $20,000 per year and does not affect Social Security income.
• Download the Improved Pension - A Beginner's Guide PDF document from the American Veterans Institute.
• Or, visit the Veterans Administration website.
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• New ways to pay, lend, borrow, transfer
and park your money!
• HOPE for Homeowners This program will refinance mortgages for borrowers who are having difficulty making their payments, but can afford a new loan insured by HUD's Federal Housing Administration (FHA). The program begins October 1, 2008 and ends September 30, 2011.
• HUD's List of Lenders HUD now has a list of contacts that will help those in foreclosure work to refinance their loans so they can stay in their homes. As new participants in this program enroll, the list will be updated. Here's the link to the list:.
• MoneyAisle (.com)
Let the financial institutions bid on your savings and CD rates! This site is currently free to use as of today 9/30/08.
• Prosper (.com)
Borrow and Lend money, person to person. It's new and innovative. It needs a longer 'test of time' but it is certainly worth watching!
• PayPal (.com)
PayPal is the accepted 'safe' method of making Internet purchases. There is no fee to you, the customer and your financial accounts are not given to the merchant.
• EmigrantDirect (.com)
EmigrantDirect, is one of the newest financial institutions known as " Internet Only Banking" (IOB) not to be confused with your banks "Online banking". These new FDIC insured IOB's pay higher rates on their passbook savings accounts (3% on simple passbook as of 9/3/2008) and more for a Certificate of Deposit.
• CA - Reduce Your Property Taxes
Each year, from May 1st to December 10th, the state accepts applications for property tax refunds, and for property tax postponment plans. If you are 62 years of age or older, or blind, or disabled then check this out! Income limits do apply.
• Homeowner's & Renter's Assistance (Refund)
Not Funded in the 2008-09 State Budget This program allows a once-a-year payment from the State of California to qualified individuals based on part of the property taxes assessed and paid on their homes.
• Property Tax Postponement Program The Property Tax Postponement Program allows eligible homeowners to postpone payment of the property taxes on their principal place of residence.
• CA - Empty Nesters: Downsizing?
• Base Year Value TransferAB-60 allows property owners to sell their principal residence and buy or build a replacement residence of equal or lesser market value and take their original assessed value to the replacement home. This is called Base Year Value Transfer and you should check with your local Assessor!
• Govt. Benefits - Local, State & Fed.
• Search all government benefits This website accesses many databases which provide benefit information for all types of situations. Of course, disasters such as Katrina are obvious, but less obvious benefits exist too.
• Auctions
• CA Property Tax Auctions
The California State Controller's Office lists counties in which tax auctions will occur during the next few months. Check it often.
• CA Unclaimed Property Auction
• Corp of Engineers
Current inventory page.
For federal personnel needing help with the sale of their homes.
• Fannie Mae Foreclosures
• FDIC Asset Sales
• FDIC Foreclosures
• Federal GSA Auction
• FirstGov.gov
A very extensive listing of Federal Government sales and auctions.
• Freddie Mac Foreclosures
• GSA Auctions
• GSA Excess/Surplus Property
• GSA Fleet Vehicle Sales
• Homes for Sale by the U. S. Govt.
• HUD Foreclosures
• HUD - US Dept Housing & Human Dev.
• Nevada County Tax Auction
• SBA Property Foreclosures
• Tennessee Valley Authority Auctions
• USDA Multi-Family Housing Sales
• U.S. Marshals Service
Asset Forfeiture Sales
• USPS - Loose-in-the-mail Auctions
• U.S. Treasury (IRS) Auctions
Very extensive listing!
Real estate, cars, trucks, vans, homes, boats, aircraft, motorcycles, jewelry, electronics, antiques, luxury items, furnishings, household goods, tools, and more.
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