Cut Costs At Home

Millions are looking for ways to shave dollars and dimes from their daily expenses. To share your own tips, send us an e-mail telling us how you save. You can save money on everything, but here's how you can get started around your home.
  • Lower your thermostat in the winter. For each degree that you drop, you cut your heating bill by 3 percent. To feel more comfortable at lower temperatures, place pans of water near heating outlets or radiators. Water-filled air retains heat better, and the added humidity reduces itching and dry skin.

  • Save on a flush in an old toilet by putting a plastic bottle full of water, weighted with pebbles, in your tank.

  • Get a rain barrel. Connected to your home’s storm gutters, it will collect water for later use on your lawn, vegetable garden or car.

  • Stop that dripping faucet. Sixty drips a minute will waste about 6,428 gallons of water per year, according to the U.S. Geological Survey.

  • Shower quickly and save. A 15-minute shower a day costs about $310 a year, even with a low-flow shower head. Cutting the time by a third will save about $100 annually.

  • Buy torn bags of mulch. Home centers usually set these torn bags aside, then sell the day’s mishaps at a big discount. Your best chance to get these deals is at the end of a weekend shopping day. Bring duct tape to close them, and a tarp to keep your car trunk clean.

  • Rent that extra room or space in your garage, basement, backyard. Visit sparefoot.com or storeatmyhouse.com to list its availability and your asking price for free. SpareFoot gets a transaction fee equal to half the first month’s paid rent (a spare bedroom can fetch $150 a month). The site also sells legally vetted lease agreements for $19.

  • Save on printer ink by using the Century Gothic font, which a recent study showed consumes about a third less ink than industry-standard Arial. That saves about $20 a year for a home user printing 25 pages a week.

  • Do it yourself or hire someone? You can get estimates of the difference in cost for a home improvement project at diyornot.com, as well as advice on whether you should go it alone.

  • Get your castoffs picked up for free by more than 60 nonprofit furniture banks nationwide. (Your items generally need to be in good condition.) Find one near you at nationalfurniturebank.com.

  • Boost your knowledge with free online college courses. (You may need to buy books or download special software.) Yale, MIT and Stanford are among dozens of universities offering no-cost knowledge. Visit education-portal.com and click on “OpenCourseWare” for a list of offerings by topic.

  • Sell your junk, but first get an idea of what it’s really worth by going to itaggit.com, an online “blue book” for pack rats and collectors. The site analyzes recent sales at online markets.

  • Free photo editing online is available at citrify.com, where your uploaded photos can be tweaked with nifty effects like teeth-whitening and wrinkle-removing. Pixorial.com provides free video online editing and up to 10 gigabytes of free storage.
    Sell your books. At cash4books.net or sellbackyourbook.com, you type in an unwanted book’s ISBN number to get an offer. If you like what you see, fill out a prepaid mailing label, box the books and send them off. Payment comes by check or as a credit to your PayPal account.

  • Volunteer techies give free advice on common computer problems at fixya.com.
    Don’t dump, recycle. Join the local bulletin board at freecycle.org and post what you want to give away or something you’re looking for. No money changes hands, and your unwanted stuff won’t add to a landfill. If there’s no group in your area, the website tells how to set one up. Adopted from http://www.aarp.org/money/budgeting-saving/info-06-2010/home_saving_tips.html

Recipe Of The Month! - Texas Caviar

  • 1 Can Black Bean, Drained

  • 1 Can Black-Eted Peas, Drained

  • 1 Can Pinto Beans, Drained

  • 1 Cup Chopped Celery

  • 1 Chopped Red Bell Pepper

  • 1 Chopped Green Pepper

  • 1 Chopped Bunch Of Green Onions

  • 1/2 Cup Cilantro (I Don’t Like, So I Don’t Use

Dressing:

  • 1 Tsp. Salt

  • 1/2 Tsp. Pepper

  • 1 Tbs. Water

  • 3/4 Cup Cider Vinegar

  • 1/2 Cup Vegetable Oil

  • 1 Cup Sugar

Directions: Add celery, green onions, peppers & cilantro (If You Use) to the drained can beans.

I make the dressing first and let it cool while I open cans, chop vegetables & mix the other ingredients. That is all the cooling time it needs. Mix together & bring to a boil the salt pepper, water, vinegar, oil & sugar. Cool slightly & pour over the beans & veggie mixture. Store in the refrigerator. Make a day ahead. Serve with Tortilla chips.
After we have eaten all the chips with this caviar, I have drained and used on tossed salad with a little cooked chicken

Money Talk

  • Bills are made of a cotton(75%) & linen(25%).

  • There is 293 ways to make change for a dollar

  • If you toss a penny 10,000 times, it will be heads 49% of the times. The heads picture weights more, so it ends up on the bottom.

  • Most people won’t bend over to pick up money lying on the sidewalk unless it’s at least a dollar.

  • On an American one-dollar bill, there is an owl in the upper left hand corner of the 1 encased in the shield. There is a spider hidden in the front upper right hand corner of the bill.

  • A Quarter has 119 grooves on its edge, one more than a dime. The reason the mint started using ridges was to prevent counterfeit and devaluing of the coin. At the time, coins were made of precious metals and people would shave the coin’s edges. Merchants had to start weighing the coins to determine the true value since so many coins in circulation were shaved. Now that the mint no longer uses precious metals, they still keep the ridges for the seeing impaired to be able to tell the differences between coins like the dime and penny.

  • A person who drives 10 miles to buy a lottery ticket is 3 times more likely to be killed in a car accident while driving to buy the ticket… than… he is to win the jackpot. Adopted from the insider review

Free Things to Do Outdoors

Indianapolis offers many miles of scenic trails, pathways, and public parks for outdoor enthusiasts, and taking advantage of them is free. Get active (bike, run, rollerblade), explore scenic trails, visit a nature center, or simply while away an afternoon on a blanket under a big tree. Watch the sun set. Walk your dog. But whatever you do, don’t let these opportunities for free fun pass you by.

  • The Monon Trail - Walk, run, bike, or rollerblade on the scenic Monon Trail, a 16.7-mile asphalt, north-south trail that runs from 10th Street in Indianapolis to 161st Street in Westfield. The trail traverses the State Fairgrounds, the White River, and several popular neighborhoods, including Nora and Broad Ripple, where you can find drinking fountains, restaurants, ice cream shops, and bicycle shops.
  • Garfield Park - located on the near south side of Indy at 2505 Conservatory Dr. (phone 317-327-7183), is a relaxing retreat from city life. The highlight of the 136-acre park is the Sunken Garden, 3 acres of classic European gardens known as the Sunken Garden. Garfield Park also includes pavilions with picnic tables, an Arts Center, and an outdoor theatre.
  • Holliday Park - Get up close and personal with Indiana wildlife at Holliday Park, on Indy’s north side at 6363 Spring Mill Rd. (phone 317-327-7180). A 13,000-square-foot nature center includes bird and wildlife observation and feeding stations and a sound system to amplify birdcalls.
  • Oldfields Gardens - Located on the grounds of the Indianapolis Museum of Art (IMA), it surround the Lilly House and are part of a 26-acre American Country place estate that has been recognized as a National Historic Landmark. The entrance to the gardens is located at 4000 Michigan Rd., (phone 317-923-1331). Pets are welcome.
  • Indianapolis Canal Walk - Take a scenic leisurely walk through the heart of Indianapolis by strolling along the Indianapolis Canal Walk, which runs from 11th Street to West Washington Street.
  • Flowing Well Park - Take some empty jugs along with you on this trip, because at Carmel’s Flowing Well Park, you can fill them for free with the artesian water that flows from the well. The park is located at 5100 E. 116 Street in Carmel. Adopted From http://indianapolis.about.com/

You Know You're Old...

1. When you don't care where your spouse goes, just as long as you don't have to go along.
2. It takes two tries to get up from the couch.
3. Your idea of a night out is sitting on the patio.
4. Happy hour is a nap.
5. Your idea of weight lifting is standing up
6. The twinkle in your eye is only the reflection of the sun on your bifocals.
7. You have more patience; but actually, it's just that you don't care any more.
8. You confuse having a clear conscience with having a bad memory.
9. Your investment in health insurance is finally beginning to pay off.
10. Your secrets are safe with your friends because they can't remember them either.
11. Your joints are more accurate than the National Weather Service.
12. In a hostage situation you are likely to be released first.
13. It takes a couple of tries to get over a speed bump.
14. You run out of breath walking DOWN a flight of stairs.
15. You frequently find yourself telling people what a loaf of bread USED to cost.
16. Your childhood toys are now in a museum.
17. The clothes you've put away until they come back in style... come back in style.
18. All of your favorite movies are now re-released in color.
19. Your back goes out more than you do.
20. You quit trying to hold your stomach in, no matter who walks into the room.
21. Your best friend is dating someone half their age and isn't breaking any laws.
22. You consider coffee one of the most important things in life.
23. Everything that works hurts, and what doesn't hurt doesn't work.
24. You know all the answers, but nobody asks the questions.
25. Getting lucky means you find your car in the parking lot. Adopted From http://e-jokes.net/oldage/020.htm

The Myth Of What We Manage

Perhaps it is merely semantics, but an underlying problem I find that people have, as it relates to the success in their life, lies in a proper understanding of what exactly it is they manage. Think about it. We have time management (in fact, I present a seminar on this very topic, some of which is excerpted below), and financial management, and relational management, weight management, career management, and many, many more.

The fact is, though, we don't manage any of those things. What we do manage is ourselves and how we relate to those things. We don't manage time. Time clicks by, second by second, whether we do anything or not. What we do manage is ourselves, and our activities, as the time passes. We make choices as to what we will do and be involved in. The problem as well as the solution lies not with time, but with us.

So as we live our lives and pursue success, one of the keys to grab onto is the idea that the most important thing we can manage isn't a thing at all-it is ourselves! How, then, can we manage ourselves? Here are some thoughts.

Make sure that the above is firmly ingrained in your thinking: I only manage myself. I can choose how I will act and react in every situation. Dwight D. Eisenhower said, "The history of free men is not written by chance, but by choice, their choice."

Know your priorities. Do you know from top to bottom what your priorities are? Have you decided what the top 10 things are that you want to spend your time on? How about with your money? Only after you know these things can you properly manage yourself into choosing to live in line with your priorities.

Learn to say no with a smile on your face. Here is where most of us fail. We do not choose to say no to those things that are not a matter of priority (the reason why is another article, and probably a few counseling sessions at that). Someone calls us up and asks us to do something for them (usually because they haven't managed themselves and would like our help picking up the pieces), and we say, "Uh, I guess so." Then what? We usually kick ourselves for the rest of the day. "Why did I ever say yes?" Instead, practice this: "Gee, I am really sorry, but I am not going to be able to be involved this time. I am sure you will be able to find somebody, though." Go ahead and try it right now. Weird, isn't it? That is because we don't say it very often.

Schedule your priorities into your schedule, budget or whatever structure governs that particular area of your life. For example, do you have a financial budget that you yourself set? Then do you first and foremost allocate your money in that way, say, at the beginning of the month? If you do, you will eliminate even the opportunity to blow your money on impulse decisions and expenses because your money has already been committed to the priorities of your own choosing. The same principles apply to your management of time.

Remember, one of the greatest gifts God gave us is the ability to choose. And we can choose to manage ourselves appropriately according to our priorities. As we do, we will find ourselves feeling less and less of the personal pain and frustration we sometimes feel when we are out of control and not managing ourselves based on our priorities. Adopted from www.jimrohn.com

Health Benefits of Having a Dog

Despite the mid-night potty runs, vomit on the rug and hair coating the backseat of the family car; people love their dogs. People shower their pooches with treats, attention and in some cases, designer clothes and accessories. Whether their dog is a laid back Labrador or a pampered Poodle; people love them like members of the family. Non-dog loving people might wonder why people love them so much considering the sacrifice that goes along with raising a happy and well-adjusted dog. Dog-loving people would probably tell you that they love their dogs so much because their dog gives them so much love in return. While it is true that dogs give their people unconditional love and loyalty, they also provide real health benefits to their care takers.

Dog owners have lower blood pressure. Several studies have shown that the simple act of stroking a dog can reduce blood pressure. More recent studies have found that these effects continue throughout the day when people are away from their dog as well. Dog owners cope with stress better & lowered blood pressure is a result of that relationship your dog & you.
Dog owners have lower cholesterol levels than non-dog owners. Studies done in Australia and England have shown that dog owners have lower cholesterol and triglycerides and are at less risk of developing heart disease or other cardiovascular problems. In fact, studies show that dog owners overall are healthier than the general population. This can be partially explained by regular walks with the family dog.
Dog owners are happier in general. Dog ownership has been shown to reduce loneliness and fight depression in their owners. When people are not lonely and depressed they are happier. Dogs can cause happiness in humans, in part, by causing the release of endorphins in the brain, which are natural anti-depressants produced by the human body. With this increase in mental health, quality of life is increased respectively.
Dog owners live longer. Because dog owners cope with stress better and do not suffer from depression as often; they are more likely to live longer. While being happy will not heal a person it can keep them from becoming ill in the first place. According to happiness studies experts the effect of happiness on longevity is comparable to that of smoking or not smoking. Pets provide companionship, healthy relationships and become topics of conversation which aid in social interactions with others. Dogs also increase self esteem and cause humans to feel more compassion for others.
Dog owners have higher survival rates after serious illness. Some studies have shown that heart attack patients with dogs are twice as likely to be alive one year after their heart attack than their no-dog owning peers.
In fact, it seems that humans get just as much or more from their canine companions as they give in the first place. With dog owners experiencing longer, happier and healthier lives it makes you wonder why the rest of the population hasn’t jumped on board. Adopted From http://www.buzzle.com/

Calorie Burning Activities

Proper weight control cannot be attained by dieting alone; however, many people who are engaged in sedentary occupations do not realize that calories can be burned by the hundreds by engaging in strenuous activities that do not require much (or any) physical exercise.

Here's the guide to calorie-burning activities and the number of calories per hour they consume.

  • Beating around the bush . . . . . . . . .75

  • Jumping to conclusions . . . . . . . . . 100

  • Climbing the walls . . . . . . . . . . . 150

  • Swallowing your pride. . . . . . . . . .50

  • Passing the buck . . . . . . . . . . . .25

  • Pushing your luck. . . . . . . . . . . 250

  • Making mountains out of molehills. . . 500

  • Hitting the nail on the head . . . . . .50

  • Bending over backwards . . . . . . . . .75

  • Running around in circles. . . . . . . 350

  • Climbing the ladder of success . . . . 650
    Adopted From www.funs.co.uk/fs/28.htm

Reel Partner Of The Month!

Ask The Reel Team A Questions: Things to Consider Before Buying a Short Sale Property!

While hunting for potential homes, you finally come across a striking property with a cheap price tag. You pause in surprise and double check whether you are seeing something real or only imagining things. Checking its status, you eventually found out that it is categorized as a short sold home. You do some more thinking because you are not very familiar with short sales. What should you do next?

Checking the price - Is the price reasonable enough, or does it seem absurdly low? One thing you should know about short sales is that not all prices are the actual ceiling prices. Some are priced extremely low because they are open to multiple offers. It is quite hard to make an offer for these properties because you will be competing with other interested buyers who can set higher bids.

Hiring a real estate agent - Not all real estate agents have enough knowledge in dealing with short sales. Make sure that you would hire someone who has enough background experience in this area. Someone who specializes in this field has the ability to explain everything you will need to know about short sold homes. He can even provide you information about the seller’s lenders and make your transaction with them easier.

Making the right offer - Another way to come up with a competitive offer is to research more about the seller. How many lenders does he owe? How much does he owe each of them? This can give you a better idea of how much money his lenders might be after.
Make your bid meet the lender’s interests. Sit down with your agent and discuss the most reasonable bid that you should forward to the bank.

Verifying the seller’s requirements - The seller’s slow accomplishment of the complete short sale package could affect the pace of your purchase. If the seller has not yet passed documents such as his tax returns, income records, W-2’s, hardship letter, and bank records, your purchase will be very delayed. Talk to the listing agent and tell him to inform the seller that such requirements are mandatory in order to complete the short sale process.

These are the important things you should consider before adding a short sold home in your wish list. Always remember that knowing everything about this type of transaction will put you in a win-win situation and help you make the best decisions. Adopted From http://www.realestateproarticles.com

Reel Free Classifieds

Automobiles
  • 2006 Suzuki Boulevard Motorcycle - 5,400 miles. The motorcycle also comes with 2 helmets. Price $5,900. Please call Joe at 765-215-7129.

Free Pets

  • Beagle for a good home - She loves to just lay next to you. She is between 1 and 2 years old. 765-744-3831 812-767-0022, 812-593-2213

  • Free 6 beautiful kittens that are about 6 weeks old 765-602-5912

  • Male miniature schnauzer desperatly needing new home - Rehome fee 317-702-5856

  • FREE ADOPTION: Jay County Animal Control (Portland, IN) Jay County Animal Control 2209 E. 100 S Portland, IN (Around 90 miles from Indianapolis) Phone: 260-726-4365 http://www.petfinder.com/shelters/IN432.html At This Time, There Is NO Adoption Fee! (spayed/neutered within 30 days)

Reel Deals

  • BOOK SHELVE Med. oak, 36 W x 72 H, 4 shelves, $50. OBO. Call after 4 p.m. (317) 876-7835

  • CHAIRS, Two (2) tan side chairs with arms, like new, $99. (317)862-5268

  • COMPUTER DESK , glass and silver, like new, $99.00. (317)862-5268

  • LOVE SEAT Brown & White Checkered Pattern, $25.00 (317) 244-2631.

  • WASHER, white, Roper, Excellent Condition. $75. CALL (812)344-6616

  • TOOL CHEST Red Crafts man, rolling cart with top drawer and lower storage. $89. (317)627-8796

Charities Events

  • Sat. 9/18/10 - 9:00 AM. 2nd Annual 'Braking the Cycle' Motorcycle Rally - Christel House Academy.105-mile scenic loop to Brown County and back at 9 AM. Lunch at noon. 9 AM to 2 PM. $25 per person; $40 couples. 317-464-2378. Where: Christel House Academy, 2717 S East Street, http://www.brakingthecycleride.org/

  • Sat. 9/18/10 - 9:00 AM. 10th Annual 'Answers for Autism' Walk at CoxHall Gardens in Carmel. 1-mile walk plus silent auction, sensory tent, giant blowup slide and maze, rock climbing wall, and more. Autism info available. 9 AM to 1 PM. $10 to walk, $50 includes official T-shirt. Info Call 317-403-4308.Location: CoxHall Gardens, 2000 West 116th Street http://www.aaiwalk.org/

  • Sat. Oct 2, 10 - 9:30 AM. 10th Annual Walk to Defeat ALS at White River State Park.A fundraising event to raise awareness in the fight against Lou Gehrig's Disease. Check in at 9:30 AM, walk begins at 11:30 AM. Free event; donations appreciated. Call 317-915-9888.Location: White River State Park http://www.alsaindiana.org/

  • Sat Oct 9,10 - 9:00 AM.'Walk to Cure Diabetes' at White River State Park. A two and three-mile walk route, with live entertainment, various activities, vendors, and more. 9 AM to 1:30 PM 317-233-2434.Location: Military Park, New York and West Streets, Indianapolis,