Issue link: https://www.epageflip.net/i/5650
A lot of people believe they're saving money when they buy things on sale, but it's not true unless they stop at the bank on the way home from the store and actually deposit the amount of money they didn't spend in a savings account. When you buy things on sale, you don't real- ly save money. You simply spend less than you might have. Today's selection of great reader tips might give you a few new ways to save money that you've not thought of before. BUCK BANK. Every $1 bill is marked with a letter to the left of George Washing- ton. I save bills that have either of my initials on them. I put away more than $300 in $1 bills over the past year, and I used it as my spending money when I visited rela- tives in California recently. Thanks to my stash, I enjoyed my visit without using my credit card, and it was so sat- isfying! -- Elsie B., Ohio CHANGE JUG. My hus- band and I have a five-gallon plastic water bottle in the bedroom. Every night, we empty our pockets into the jug. One-quarter of it is now filled. About four months ago, we emptied the full jug and took it to the bank. To our surprise, we had $2,134.42. We were able to pay down one of our credit cards with the m o n e y . With our next full jug, we are planning a vacation. We won't need to empty our savings account for our getaway! -- Barbara V., New Jer- sey GROCERY ROU- TINE. My husband and I always shop for groceries with the sale flier and our box of coupons. We rarely purchase items that aren't on sale or don't have a coupon for a dis- count. After each shopping trip, I collect the register tapes and clip them together. At the end of each month, I add up how much I saved with coupons and sales, which is listed on every receipt. Then I write a check for that amount and deposit it into our savings account. By writing a check once a month, you can really see the savings you earn from grocery sales and coupons. If you just put the savings from each trip in your pocket, it gets wasted on unnecessary things. -- Elaine K., e-mail CHECKING CUSHION. In my checkbook, instead of deducting or adding the exact amount of each transaction, I round up or round down. If a transaction was a debt of $13.06, I deduct $14. Because I use my checking account so much, this adds up quickly. I have man- aged to save hun- dreds of dollars this way. I keep a peri- odic running total of the actual amount in a separate area of my register. Cur- rently, I have about a $350 cushion in my checking account because of this. -- Jannaya, e-mail Would you like to send a tip to Mary? You can e-mail her at mary@everydaycheapskate.c om, or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. Include your first and last name and state. Mary Hunt is the founder of www.DebtProofLiving.com and author of 18 books, including "Debt-Proof Living" and "Tiptionary 2." Obama says failure allowed attempted attack on flight HONOLULU (AP) — Presi- dent Barack Obama said Tues- day ''a systemic failure'' allowed the attempted Christ- mas Day attack on a Detroit- bound flight from Amsterdam. He called it ''totally unaccept- able.'' The president said he wants preliminary results by Thursday from two investiga- tions he has ordered to examine the many lapses that occurred. ''There was a mix of human and systemic failures that con- tributed to this potential cata- strophic breach of security,'' Obama said. It will take weeks for a more comprehensive investigation into what allowed a 23-year-old Nigerian carrying explosives onto the flight despite the fact the suspect had possible ties to al-Qaida, Obama said. ''It's essential that we diag- nose the problems quickly,'' the president said, interrupting his vacation for a second consecu- tive day to address the incident, with more anger this time directed at the flaws in the U.S. system. The suspect, Umar Farouk Abdulmutallab, was on one advisory list, but never made it onto more restrictive lists that would have caught the attention of U.S. counterterrorist screen- ers, despite his father's warn- ings to U.S. Embassy officials in Nigeria last month. Those warnings also did not result in Abdulmutallab's U.S. visa being revoked. Terror suspect was 'depressed and lonely' LAGOS, Nigeria (AP) — Internet postings purportedly written by a Nigerian charged with trying to bomb a U.S. air- liner on Christmas Day suggest a fervently religious and lonely young man who fantasized about becoming a Muslim holy warrior. Throughout more than 300 posts, a user named ''Farouk1986'' reflects on a growing alienation from his family, his shame over sexual urges and his hopes that a ''great jihad'' will take place across the world. While officials haven't veri- fied that the postings were writ- ten by Umar Farouk Abdulmu- tallab, details from the posts match his personal history. For example, the username also matches the alleged bomber's middle name and birth year. Farouk1986 says he is from Nigeria, the home nation of the man who alleged- ly tried to bring down the Detroit-bound flight. And the suspect's father says Abdulmu- tallab broke off ties with the family. Those posts, beginning in 2005, show a teenager looking for a new life outside his board- ing school and wealthy Niger- ian family. Iran intensifies crackdown TEHRAN, Iran (AP) — Iranian security forces intensi- fied their crackdown on anti- government supporters Tues- day, arresting relatives of the country's Nobel laureate and the main opposition leader, and limiting the movement of another top opposition leader. Iran also accused the U.S. and Britain of fomenting the recent violence, threatening to ''slap'' Britain in the face as it summoned the British ambas- sador to an urgent meeting. Clashes on Sunday left at least eight people dead in a con- frontation that has become an increasingly bitter and violent. President Mahmoud Ahmadinejad shrugged off Sun- day's protests as ''a play ordered by Zionists and Ameri- cans'' and criticized Barack Obama and Britain for alleged- ly supporting the protesters. ''The Iranian nation has wit- nessed this sort of play many times,'' Ahmadinejad said, according to the state IRNA news agency. Government supporters held rallies in at least three cities on Tuesday, many protesting against the opposition and its leaders. Iran is seeking to smuggle uranium from Kazakhstan VIENNA (AP) — Iran is close to clinching a deal to clan- destinely import 1,350 tons of purified uranium ore from Kazakhstan, according to an intelligence report obtained Tuesday by The Associated Press. Diplomats said the assessment was heightening international concern about Tehran's nuclear activities. Such a deal would be signif- icant because, according to an independent research group, Tehran appears to be running out of the material, which it needs to feed its uranium enrichment program. The report was drawn up by a member nation of the Interna- tional Atomic Energy Agency and provided to the AP on con- dition that the country not be identified because of the confi- dential nature of the informa- tion. In Washington, State Depart- ment spokesman Ian Kelly said, ''the transfer of any uranium yellowcake ... to Iran would constitute a clear violation of UNSC sanctions.'' ''We have been engaged with many of our international non- proliferation partners on Iran's illicit efforts to acquire new supplies of uranium over the past several years,'' he said. NKorea confirms it has detained American SEOUL, South Korea (AP) — North Korea acknowledged Tuesday it had detained an Amer- ican for illegally entering the reclusive country, news wel- comed by relatives of an Arizona missionary who feared they would never hear from him again after he sneaked across the bor- der. Activists say they last saw Robert Park as he slipped across the frozen Tumen River into North Korea on Christmas Day, carrying letters urging the coun- try's absolute leader to step down and free the hundreds of thou- sands of people held in political camps. After four days without any word, relatives of the 28-year-old Korean-American said Tuesday they were relieved when the com- munist country finally announced it had a U.S. citizen in custody — though analysts say Park's actions are likely to be seen as hostile to the regime and could draw a long prison sentence. ''My fear was that they say they don't know anything about it and may get rid of him secretly,'' Manchul Cho, an uncle of Park, told The Associated Press in Cal- ifornia. ''Once they recognize it, that's really good.'' The two-sentence dispatch from the official Korean Central News Agency said an American was being investigated after ''ille- gally entering'' the country on Christmas Eve. The report did not identify the man, but activists and family believe it is Park. There was no immediate expla- nation for the discrepancy in the date of entry. Fla. woman set on fire as part of daughter's plot to kill her CLEARWATER, Fla. (AP) — An 11-year-old Florida girl and her 15-year-old boyfriend are accused of plotting to kill the girl's mother by setting her bedroom on fire while the woman slept Tues- day, police said. Samantha Broadhead and Jack Ault have been charged with attempted murder and arson after the fire in Clearwater, about 20 miles west of Tampa on Florida's Gulf Coast. Clearwater Police Department detectives say the young couple poured gasoline on Nancy Broad- head's bedroom floor and bed, and then set the room aflame. Police say the pair escaped in the moth- er's 2007 Ford Focus. It was unclear if either suspect had an attorney. There was no answer at a listing for an Ault in Clearwater. The girl's mother was awak- ened by a smoke alarm and man- aged to escape. Authorities say Nancy Broadhead, 47, sustained serious burns and smoke inhala- tion. Her injuries were not consid- ered life threatening. Birth mom must transfer custody MONTPELIER, Vt. (AP) — The birth mother of a 7-year-old Virginia girl must transfer custody of the child to the woman's former lesbian partner, a Vermont judge ruled, adding that it seems the woman has ''disappeared'' with her daughter. Vermont Family Court Judge William Cohen ordered Lisa Miller of Winchester, Va., to turn over daughter Isabella to Janet Jenkins of Fair Haven at 1 p.m. Friday at the Virginia home of Jenkins' parents. But in the Dec. 22 order deny- ing Miller's request to delay the transfer of Isabella, Cohen wrote: ''It appears that Ms. Miller has ceased contact with her attorneys and disappeared with the minor child.'' Miller and Jenkins were joined in a Vermont civil union in 2000. Isabella was born to Miller through artificial insemination in 2002. The couple broke up in 2003, and Miller moved to Vir- ginia, renounced homosexuality and became an evangelical Christ- ian. Cohen awarded custody of the girl to Jenkins on Nov. 20 after finding Miller in contempt of court for denying Jenkins access to the girl. Once in a blue moon event LOS ANGELES (AP) — Once in a blue moon there is one on New Year's Eve. Revelers ring- ing in 2010 will be treated to a so- called blue moon. According to popular definition, a blue moon is the second full moon in a month. But don't expect it to be blue — the name has nothing to do with the color of our moon. A full moon occurred on Dec. 2. It will appear again on Thurs- day in time for the New Year. ''If you're in Times Square, you'll see the full moon right above you. It's going to be that brilliant,'' said Jack Horkheimer, director emeritus of the Miami Space Transit Planetarium and host of a weekly astronomy TV show. The New Year's Eve blue moon will be visible in the United States, Canada, Europe, South America and Africa. For partygo- ers in Australia and Asia, the full moon does not show up until New Year's Day, making Janu- ary a blue moon month for them. Wednesday, December 30, 2009 – Daily News – 3B NOTICE OF TRUSTEE'S SALE TS # CA-08-134985-CH Order # G815444 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 8/24/2005. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NA- TURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CON- TACT A LAWYER. A public auction sale to the highest bidder for cash, cashier's check drawn on a state or na- tional bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial code and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warran- ty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and ex- penses of the Trustee for the total amount (at the time of the initial publi- cation of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): ADAN SE- DANO AND IMELDA C. SEDANO, HUSBAND AND WIFE, AS JOINT TENANTS Recorded: 8/29/2005 as In- strument No. 019919 in book 2781, page 412 of Official Records in the of- fice of the Recorder of TEHAMA Coun- ty, California; Date of Sale: 1/19/2010 at 2:00 PM Place of Sale: At the main entrance to the Tehama County Court- house, 633 Washington Street, Red Bluff, CA 96080 Amount of unpaid bal- ance and other charges: $210,491.40 The purported property address is: 695 NICKLAUS AVENUE RED BLUFF, CA 96080 Assessors Parcel No. 35-460-55 The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common des- ignation, if any, shown herein. If no street address or other common desig- nation is shown, please refer to the ref- erenced legal description for property location. In the event no common ad- dress or common designation of the property is provided herein directions to the location of the property may be ob- tained within 10 days of the date of first publication of this Notice of Sale by sending a written request to Saxon Mortgage Services, Inc. 4708 Mercan- tile Drive North Ft. Worth TX 76137. Pursuant to California Civil Code 2923.5 ( c), the beneficiary or author- ized agent declares as follows: Declara- tion Re: Borrower Contact pursuant to CC 2923.5 (c) Re: ADAN SEDANO 695 NICKLAUS AVENUE RED BLUFF, CA 96080 2000147500 The undersigned beneficiary or their authorized agent hereby represents and declares as fol- lows: On 11-21-07 contact was made with the borrower to assess their finan- cial situation and to explore options for the borrower to avoid foreclosure, or 12-26-07 5-27-08 A3P 8-20-09 2-13-08 8-26-08 11-13-09 A3P The undersigned makes the above representations with the intent that the trustee proceed with recordation of the Notice of Sale in compliance with California Civil Code 2923.5 (c). I certify under penalty of perjury under the laws of the State of California that the above is true and correct. Dated: 12-4-09 [ 1 ] The mort- gage loan servicer has obtained from the commissioner a final or temporary order of exemption pursuant to Section 2923.53 that is current and valid on the date the notice of sale is filed; [ 2 ] The timeframe for giving notice of sale specified in subdivision (a) of Section 2923.52 does not apply pursuant to Section 2923.52 . If the Trustee is un- able to convey title for any reason, the successful bidder's sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further re- course against the Mortgagor, the Mort- gagee, or the Mortgagee's Attorney. Date: 12/21/2009 Quality Loan Service Corp. 2141 5th Avenue San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 714-730- 2727 or Login to: www.fidelityasap.com Reinstatement Line: (888) 325-3502 Quality Loan Service, Corp. If you have previously been discharged through bankruptcy, you may have been re- leased of personal liability for this loan in which case this letter is intended to exercise the note holder's rights against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COL- LECTING A DEBT. THIS FIRM IS AT- TEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFOR- MATION OBTAINED BY OR PROVID- ED TO THIS FIRM OR THE CRED- ITOR WILL BE USED FOR THAT PUR- POSE. As required by law, you are hereby notified that a negative credit re- port reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. ASAP# 3373341 12/30/2009, 01/06/2010, 01/13/2010 LEGAL NOTICE WORLD BRIEFING 4 clever ways to build a cash stash Mary Hunt Everyday Cheapskate Pot-stuffed teddy bear found at Calif. toy store MISSION VIEJO (AP) — Authorities say they confiscated a teddy bear at a Southern California toy store that was stuffed with marijuana. The owner of Toy Town said Monday that he got the package last week, opened it up and found a 2-foot-tall blue teddy bear that felt ''hard and crinkly.'' The bear turned out to be stuffed with three large, vacuum-sealed packages of mar- ijuana. Owner Joshua Vecchione says he called Orange County sheriff 's officials. The package was addressed to someone in Colorado and mailed from Thousand Oaks with the toy store, in Ladera Ranch, as the return address. ——— Information from: The Orange County Register, http://www.ocregister.com.