Dear Heloise: Increasing on the graduation gift thoughts — I fill a plastic shoebox with: pens, colored pencils, paper clips, rubber bands, scissors, a gap puncher, a stitching package, a nail file, a stapler, erasers, a pencil sharpener, tape, glue, a screwdriver, index cards, dental floss, tweezers, a magnifying glass, Q-ideas, actively playing playing cards, a laundry bag, a ruler, envelopes and a highway map of the town they’re going to. I also toss in a roll of quarters for laundry and sweet devices. — Marty K., Riverside, California
Marty, these are fantastic concepts and a great gift to give a scholar in higher school or higher education. When you’re absent from dwelling and money are restricted, it is really nice to have so quite a few of these items on hand. — Heloise
QUESTIONABLE Health care Payments
Pricey Heloise: Immediately after I was introduced from the clinic, I kept acquiring bills with the total of payment necessary, but no rationalization. My son explained to me not to shell out them without having an explanation. I’ve also had a number of other issues with my insurance policy company. What really should I do? — Jean L., Royal Oak, Michigan
Jean, initially, do not spend for any invoice without the need of a specific accounting of what that monthly bill is for. Be sure to hold a file of all payments and billing in a file. Up coming, in no way pay back a healthcare monthly bill until ALL your insurers have paid out their share. It does not matter if it is really Medicare or a secondary insurance provider. Wait around to pay back after they have compensated their share.
Men and women make errors. Make guaranteed the medical doctor or clinic has your right tackle and cellphone quantity. There perhaps are other persons with the similar identify as you, and you could be despatched somebody else’s bill accidentally. If the quantity you are billed appears to be out of the normal realm of pricing, check out with your doctor’s staff members and desire that your bill be decreased or, at the incredibly the very least, reexamined. — Heloise
Pricey Heloise: We almost shed $2,500 in a timeshare fraud, and apparently, these people are using advantage of people like us who want to market their timeshare.
We went to a conference where by they made available dinner and instructed anyone in the area how they have generally gotten outcomes from reselling timeshares that the entrepreneurs no more time want to individual. They charge an upfront rate of at the very least $2,500 and, in some conditions, go as significant as $25,000! They actually apply the stress, which created us really suspicious, so we just still left. As an alternative, we named the resort administration group and found out there was a deed-back again plan and a surrender system that we could use if we preferred. They also said they would consider to aid us out by on the lookout for a purchaser for our timeshare. This early morning, they known as us, and we experienced a customer who wants to buy our timeshare.
The lesson here is: Do not allow any person charge you an upfront charge to promote your timeshare. If they are wining and eating you to earn you around, there is likely some thing incorrect. — Kathy and Mike W., Falmouth, Massachusetts
Shield YOUR PET
Pricey Readers: With summertime heating up and temperatures soaring earlier mentioned typical, be sure to choose your pets inside right up until all over 7 or 8 in the evening.
If, for some purpose, you won’t be able to choose your pet inside of make certain just about every day that your pet has a significant bowl of cleanse, clean water and meals.
Make specified that there is ample shade. You can fill a kiddies’ swimming pool with clear water and go away it out in a shady location for them if they will use it.
The moment in a while, you may possibly want to board your pet at a pet daycare center if your space gets incredibly hot ample to be in the triple digits. Try to remember, a pet is section of the loved ones. Address them perfectly, and they’re going to really like you right until the day they die. — Heloise