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$10,000 WORTH OF TIPS INSIDE

SUNDAY, JANUARY 13, 2013

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HOW YOU CAN

BANK A BUNDLE IN 2013

AME∏ICA SAVES

© PARADE Publications 2013. All rights reserved.

2 • JANUARY 13, 2013

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Q: Will the kid contestants

on The Biggest Loser be

treated differently than

the adults? —Louis Ramos,

Galveston, Tex.

A: In an effort to take the focus away from numbers on a scale, the three kids (ages 13 to 16) joining the 15 adult contestants this season will not be weighed on camera or be eligible for elimination. “It’s about making fi tness and health fun and building self-esteem,” says trainer Jillian Michaels, 38, who returns to the weight-loss show (NBC, Mondays) after a two-season hiatus. “I was surprised by how coura-geous the kids were,” she adds. “I hope it’s a wake-up call to parents that they need to lead by example, and I hope other children are motivated and inspired.”

Q: How did Matt Damon’s

experience writing with

John Krasinski compare

to working with Ben

Affl eck? —Mindi Kimmel,

Goreville, Ill.

A: “It was a lot like writing with Ben, actually,” says Damon, 42, who won a screenplay Oscar in 1998 for Good Will Hunting,

PARADE

The Biggest Loser contestants and their trainers

WALTER SCOTT’S

SUNDAY

F∏EEBIEEnter for a chance to win The Incredible Mel Brooks: An Irresistible Collection of Unhinged Comedy DVD set

signed by the legend at Parade.com/win

Your character, Maya, is

based on a real CIA operative.

Did you meet her? She’s still working undercover, so no, I didn’t. She gave everything to this mission. I fi nd it so noble. This movie gives credit to someone who can’t come out and say, “This is what I did.”

Where were you when you

heard bin Laden had been

killed? I was in New York City for 9/11 and when bin Laden was killed. It was emotional, but it didn’t feel like a happy

ending. There was a sense of peace, but it was just the end of one chapter and the start of another.

You didn’t fi nd success

in Hollywood right away.

Did you ever feel discour-

aged? There were years of being discouraged. I didn’t have any luck when I fi rst moved to L.A. I was in casting rooms with beautiful, tall, tan, blond women; I kept being told I didn’t look modern. But when I read the description for my character in Tree of Life, it said, “A woman who looks as though she’s from another time.” I thought, “Here we go!”

What did you buy with your

fi rst big paycheck? A custom couch for my apartment in L.A. I actually don’t spend a lot of money on things. I still drive my 2006 Prius!

Send questions to [email protected] or P.O. Box 5001, Grand Central Station, New York, N.Y. 10163-5001.

Q: Which does Emmy

Rossum prefer: singing

or acting? —Kelly B., Atlanta

A: ”Music is closest to my heart,” says Rossum, 26, who began her theatri-cal career at age 7 with the Metropolitan Opera’s Children’s Chorus. “But I hope I never have to choose between them.” Rossum starred in the fi lm of The Phantom of the Opera in 2004 and is on the Showtime series Shame-less; she also has a movie, Beautiful Creatures, due next month. Her album of stan-dards, Sentimental Journey, is out Jan. 29; hear a song at Parade.com/rossum.

Q: Are there any foods

Anthony Bourdain

absolutely hates? — Michael

Woodard, Norton, Ohio

A: “I fi nd ketchup on a hot dog to be a sin against everything I believe in,” says the celebrity chef, 56. “I love hot dogs, I like ketchup, but together they’re a problem!” Bourdain’s famous taste buds will be put to work as a judge and mentor on the new ABC cooking competi-tion show The Taste (Jan. 22).

Anthony Bourdain

Emmy Rossum

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JESSICA CHASTAINWALTER SCOTT ASKS ...

The actress on her Golden Globe–nominated role as a CIA agent tracking Osama bin Laden in Zero Dark Thirty (in theaters).

cowritten with Affl eck. More recently, he and Krasinski, 33, teamed up to write and star in the fracking drama Promised Land, in theaters now. “It was just as much fun and just as productive. The only difference was Ben and I didn’t have any kids interrupting us!” laughs the father of four.

Tune in to the Golden

Globe Awards, Jan. 13, NBC,

8 p.m. ET


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Parade

ANSWERS: (a) 3, Ulysses S. Grant; (b) 1, Alexander Hamilton; (c) 4, James Madison; (d) 2, Andrew Jackson

IDOL CHATTER

American Idol returns Jan. 16 on Fox with three superstar judges (Mariah Carey, Nicki Minaj, and Keith Urban) and one big question: Can the show pick up ratings steam again? “You’ll see a few new wrinkles,” veteran Randy Jackson (left, with the newbies and host Ryan Seacrest, center) says of Idol’s formula. As for a reported feud between the divas, Jackson insists that was growing pains: “It takes a minute to settle in. All families are sort of dysfunctional! But the chemistry and passion are amazing.” He breaks down this year’s talent (fi nally, a female might win again!) at Parade.com/idol.

HELP YOURSELFTradesy sends you a prepaid package addressed to the buyer; as soon as you ship it, the money is depos-ited in your PayPal account . It’s like

eBay, only easier.

IF YOU’D LIKE TO LEARN A NEW SKILL ...

At Betterfl y.com, you can search for a cello teacher near

your offi ce, a running coach in your budget, a

craft class for beginners, or

an Arabic tutor who teaches over Skype. The

site’s fi lters help you fi nd exactly what you want (Lindy Hop

lessons, anyone?) at the right price.

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At Byofortea

yourunniyour

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lessoat the

1. Alexander Hamilton

2. Andrew Jackson

3. Ulysses S. Grant

_____a. ✎

_____b. ✎

Let’s see how much you really know about money. Match each American notable to his note.

Meet three new problem-solving sites

WHO FITS THE BILL?QUIZREADING

CORNER

OUTSIDE SHOT

Keith O’Brien’s absorbing narrative about a high school basketball team in rural Kentucky is so much more than a sports book: It’s a portrait of a small town in the throes of change, and a story of redemption for a group of young men struggling to prove themselves.

THE FIFTH ASSASSIN

In Brad Meltzer’s lat-est thriller, a national archivist recognizes an eerie pattern to a string of Washington murders: They’re all re-creations of the crimes of the four presidential assassins—who, the protagonist discovers, did not act alone after all.

_____c. ✎

_____d. ✎

IF YOU NEED AN EXTRA PAIR OF HANDS ...Use TaskRabbit.com to outsource your chores: Post an odd job—anything from walking the dog to delivering groceries to assembling anIkea bookshelf—and background-checked Task-Rabbits will bid for the gig. (Available in nine metro areas.)

IF YOU’RE CLEANING OUT YOUR CLOSET ...Upload a pic of an unwanted piece of clothing

4. James Madison

to Tradesy.com and determine its value using the site’s pricing algorithm. When the item sells,

SUNDAY JAN 27 9|8c

J u l i a S t i l e s

Directed by John Gray Written by C. Jay Cox

H A L L M A R K H A L L O F F A M E W O R L D P R E M I E R E

He’s her

work in

progress.


4 • JANUARY 13, 2013

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Parade

ANSWERS: (a) 4, Benjamin Franklin; (b) 1, Alexander Hamilton; (c) 5, James Madison; (d) 2, Andrew Jackson; (e) 3, Ulysses S. Grant

IDOL CHATTER

American Idol returns Jan. 16 on Fox with three superstar judges (Mariah Carey, Nicki Minaj, and Keith Urban) and one big question: Can the show pick up ratings steam again? “You’ll see a few new wrinkles,” veteran Randy Jackson (left, with the newbies and host Ryan Seacrest, center) says of Idol’s formula. As for a reported feud between the divas, Jackson insists that was growing pains: “It takes a minute to settle in. All families are sort of dysfunctional! But the chemistry and passion are amazing.” He breaks down this year’s talent (fi nally, a female might win again!) at Parade.com/idol.

IF YOU NEED

AN EXTRA PAIR

OF HANDS ...

Use TaskRabbit.com to outsource your chores: Post an odd job—anything from walking the dog

HELP YOURSELFto delivering groceries to assembling anIkea bookshelf—and background-checked Task-Rabbits bid for thegig. (Available in nine metro areas.)

IF YOU’RE CLEANING OUT YOUR CLOSET ...Upload a pic of an unwanted piece of clothing to Tradesy.com and deter-mine its value using the site’s pricing algorithm. When the item sells, Tradesy sends you a pre-paid package addressed to the buyer; as soon as you ship it, the money is depos-ited in your PayPal account . It’s like eBay, only easier.

IF YOU’D LIKE TO LEARN A NEW SKILL ...At Betterfl y.com, you can search for a cello teacher near your offi ce, a running coach in your budget, a craft class for beginners, or an Arabic tutor who teaches over Skype. The site’s fi lters help you fi nd exactly what you want (Lindy Hop lessons, anyone?) at the right price.

_____1. Alexander Hamilton a.

2. Andrew Jackson

3. Ulysses S. Grant

4. Benjamin Franklin

5. James Madison

✎

_____b. ✎

Before you read the rest of our America Saves issue, see how much you really know about money. Match each American notable to his note.

Meet three new problem-solving sites

WHO FITS THE BILL?QUIZREADING

CORNER

OUTSIDE SHOT

Keith O’Brien’s absorbing narrative about a high school basketball team in rural Kentucky is so much more than a sports book: It’s a portrait of a small town in the throes of change, and a story of redemption for a group of young men struggling to prove themselves.

THE FIFTH ASSASSIN

In Brad Meltzer’s lat-est thriller, a national archivist recognizes an eerie pattern to a string of Washington murders: They’re all re-creations of the crimes of the four presidential assassins—who, the protagonist discovers, did not act alone after all.

KILL ANYTHING

THAT MOVES

The My Lai massacre during the Vietnam War wasn’t an isolated case, but business as usual, according to this explo-sive new book. Drawing on interviews and Pen-tagon documents, Nick Turse offers a painful yet compelling look at the horrors of war.

_____c. ✎

_____d. ✎

_____e. ✎


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KennectionsBy Ken Jennings

HOW TO PLAY

All � ve correct answers havesomething in common.

Can you � gure out what it is?

ANSWERS: 1. MARK TWAIN;

2. FRANK LLOYD WRIGHT; 3. JAZZ;

4. BASEBALL; 5. THE CIVIL WAR

ALL ARE TITLES OF KEN BURNS

DOCUMENTARIES

WHAT’S THE “KENNECTION”

BETWEEN ALL FIVE ANSWERS?

1. What writer told the mis-informed New York Herald in 1897, “The report of my death was an exaggeration”?

2. The children’s toy Lincoln Logs were invented by what famous architect’s son John?

3. In 1959, Ella Fitzgerald and Count Basie won the � rst two Grammys awarded for what musical genre?

4. The Mendoza Line, named for Mario Mendoza,is a commonly cited measure of incompetence in what professional pursuit?

5. Which historical con� ict killed more U.S. soldiers than all other American wars combined, according to the most recent estimates?

MAKE MORE

KENNECTIONS!

Play trivia puzzles by Ken Jennings and readers

at Parade.com/ken

✎

✎

✎

✎

✎

✎


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6 • JANUARY 13, 2013

START WITH A WARM-UP “You don’t run a marathon

the fi rst day you start exercis-ing, and getting in fi nancial

shape is no different,” says Mary Caraccioli, host of the cable show We Owe What? Below, her easy-does-it regimen for building better saving habits over time.

Step 1: Pledge to spend 15 minutes a day for a week just getting organized—gathering your bills and documents and sorting them into piles. Step 2: The next week, use that time to assess your fi nancial health: Look up your credit score, check your balances, and review your retire-ment accounts. Step 3: Now you’re ready to think about where you want to go—and I’m not talking about retirement. Plan-ning for retirement is like vowing to eat carrot sticks because they’ll help you live longer; most of us still reach for the fries. Choose a goal that would change your life in the near future. Maybe you want to move to a larger apartment, go to graduate school, or switch careers.

Forget penny-pinching and self-deprivation. In this year-round savings

guide, personal � nance experts share their best tips for curbing your spending as

painlessly as possible, so budgeting never feels like a chore. The secret?

Making minor adjustments in your behavior—from buying movie tickets in bulk

to using a programmable thermostat—that add up to major dough over the

course of 12 months. It’ll be the best money you never spent. By Kate Rockwood

COVER PHOTOGRAPH BY LEVI BROWN | ILLUSTRATIONS BY YAREK WASZUL

IN YOUR POCKET

PICTURE AN EXTRA

(OR MORE!)

AME∏ICA SAVES


JANUARY 13, 2013 • 7

move, says Simon, may be switching to an unlimited prepaid plan—which includes talk, text, and data for a fi xed fee, sometimes as low as $50 a month. ■ POTENTIAL SAVINGS: $1,020 (THE MEDIAN

OVERAGE CHARGE OF $85, TIMES 12)

If you are shopping for a new contract:

Check out billshrink.com, a free site that compares your phone usage with 10 million data points to help fi nd the best carrier and deal for you.■ POTENTIAL SAVINGS: MORE THAN $300

PER YEAR, ACCORDING TO BILLSHRINK’S

ESTIMATES

Step 4: Break your goal into smaller pieces. How much can you aim to save each week or each month? Then spell out how you’ll do that. Once you have a purpose, you’ll be less distracted by temptations (like dinner out with friends or a new pair of shoes). Saving won’t be this thing you should do, but this thing you choose to do. And once you’ve accomplished your goal, setting the next one will feel less like sacrifi ce and more like opportunity.

DIAL UP CELL SAVINGSIf you live with teens (or text like one):

Sign up for an unlimited message plan (about $20 a month). The average teen taps out 3,417 texts per month. Even if your current plan affords 3,000 texts, that extra 417 a month—at a cost of 20 cents each—will make your phone company LOL. ■ POTENTIAL SAVINGS: $760 PER YEAR IN

THE SCENARIO ABOVE

If you have butterfi ngers: Spring for phone insurance. Theft and water damage aren’t covered by most warranties. “That $5 a month or so is worth it,” says Todd Day, a tele-communications analyst at Frost & Sullivan. ■ POTENTIAL SAVINGS: $215 PER YEAR FOR

ANYONE WHO HAS TO REPLACE A SMART-

PHONE EVERY TWO YEARS

If you talk less than 100 minutes a

month: “A general rule of thumb is that for extremely low-volume voice-only customers, a prepaid plan is the best option,” says Sam Simon, a senior fellow at the New Millen-nium Research Council. The lowest carrier contract might be $40 for

450 minutes per month; a prepaid plan may include 120 minutes for as little as $29—and the minutes are good for three months.■ POTENTIAL SAVINGS: $306 PER YEAR IF

YOU BUY SIX ROUNDS OF 120 MINUTES TO

LAST 12 MONTHS (WHICH AVERAGES OUT TO

60 MINUTES A MONTH)

If you regularly go over your minutes:

Try to change your calling plan, even if you’re in the middle of your con-tract. One estimate puts the median charge for exceeding your monthly minutes at $85 a month. Your ideal

SUPER

SAVERS

James, 45, and Laura Kremko, 38

HOMETOWN Vacaville, Calif.OCCUPATIONS

He works for the state of Califor-

nia; she is a nurseSAVINGS RATE

40 percent

Growing up with a single mom, James vowed

never to live pay-check to paycheck. He and Laura put away nearly half

of what they earn. James’s pension from the air force and rental income from two houses help them save; but they’re also

not splashing out on big expenses.

“We’re not a keep-up-with-

the- Joneses type of family,” James

says. “My vehicle is a 1999 and my wife’s is

a 2004. Our house is a three-

bedroom and it fi ts us well. We’re not

interested in a McMansion.”

The Kremkos have their eye

on retirement—James maxes out the limit

on a 401(k) and a 457(b). In the meantime, they plan to pay for

their daughter’s tuition when she

starts college next fall. —Kate Ashford


8 • JANUARY 13, 2013

becoming next week’s trash, desig-nate a use-it-up area in the fridge, suggests Jonathan Bloom, author of American Wasteland. Make sure items on the brink of expiration are stored front and center. 7. Put it on ice. Freeze bread and other baked goods, hard cheeses, most fruits and vegetables, meat, poultry, and soups until you’re ready to eat them. Use ice trays to freeze baby food, sauce or stock, raw egg whites and yolks (separated or whisked together), and chopped fresh herbs in water.8. Make your own soda. Is the family’s six-pack habit adding up? Consider a SodaStream seltzer machine (from $80). Your DIY fi zzy beverages will cost about 25 cents per 12 ounces.9. Score a deal. Every week, two to three categories in your supermarket (say, detergent and snack bars) go on sale, says Teri Gault, founder of thegrocerygame.com. Her members-only site tracks these sales, as well as unadvertised deals, specials, and coupons. You can sign up online for a

one-month trial, with the option to continue membership for as little as $1.25 a week. ■ POTENTIAL TOTAL SAVINGS FOR ALL NINE

TIPS: $2,600 PER YEAR

TUNE UP YOUR CAR BUDGETGo easy on oil changes: “Because oil today is so much better than it was 25 years ago, the old guideline to change it every 3,000 miles no longer applies,” says Philip Reed, senior consumer advice editor at car site edmunds.com. “Instead, follow your owner’s manual and your car’s oil-life-monitoring system. A safe bet today is 7,800 miles or longer.” (More savings will come from avoiding the add-ons many shops suggest.)■ POTENTIAL SAVINGS: $115 PER YEAR

Fuel smarter: Use the consumer advocacy site gaspricewatch.com or the free app GasBuddy to fi nd the cheapest fuel in your area at any given time. And, when you can, fi ll

CUT YOUR GROCERY BILLSThe average family of four with school-age children spends about $235 a week at the supermarket. But by following these nine expert tips, that family could shrink its receipts by $50 a week.

1. Make a list. Planning your meals for the week means you’re less likely to buy extra food—or run short and call for takeout. It may also help check your impulse buys: About 20 percent of grocery purchases are unplanned, according to research. 2. Grab the bag. Five-pound sacks of onions, potatoes, and oranges are often half the price of the same items sold loose.3. Weigh the options. Before you buy in bulk, check the cost per unit, or CPU, displayed on the shelf, to make sure a larger container is indeed a better value.4. Do your own prep work. Grated cheese and prewashed salad can be convenient—but they’re also costly. Shredded carrots, for instance, may run you nearly fi ve times more than whole carrots by weight.5. Post your receipt on the fridge. It’s an easy inventory of what’s waiting to be eaten, and the sum at the bot-tom provides a gentle reminder to dine at home. 6. Use, don’t lose. Americans toss 14 to 25 percent of the food we pur-chase, according to experts. To keep this week’s meat and cheese from

SUPER

SAVERS

Jennifer Terry, 38

HOMETOWN

New Orleans

OCCUPATION

Service and inno-

vation manager

for the city

SAVINGS RATE

20–25 percent

Jennifer is fi nally debt-free after years of paying

off student loans. Next on her

fi nancial to-do list: Buy a condo, travel to Asia and South America, and build a two-year emergency fund. “Two years sounds extreme,”

she says, “but I was unemployed for fi ve months

and then worked part-time for a

year, and I didn’t have to worry about money because I had a decent sum socked away.

Given the tenu-ous job market

these days, I think it’s better

to be ambitious.” Jennifer has

never found her hefty savings rate to be a sacrifi ce. “What I haven’t done recently is go on vacation, and I don’t own a car. I shop at

thrift stores. But I don’t consider it a subpar lifestyle.

I have a normal life.” —K. A.


Medication Guide JANUVIA® (jah-NEW-vee-ah) (sitagliptin) Tablets

Read this Medication Guide carefully before you start taking JANUVIA and each time you get a refill. There may be new information. This information does not take the place of talking with your doctor about your medical condition or your treatment. If you have any questions about JANUVIA, ask your doctor or pharmacist.What is the most important information I should know about JANUVIA?Serious side effects can happen in people taking JANUVIA, including inflammation of the pancreas (pancreatitis) which may be severe and lead to death. Certain medical problems make you more likely to get pancreatitis.Before you start taking JANUVIA: Tell your doctor if you have ever had � �� Stop taking JANUVIA and call your doctor right away if you have pain in your stomach area (abdomen) that is severe and will not go away. The pain may be felt going from your abdomen through to your back. The pain may happen with or without vomiting. These may be symptoms of pancreatitis.What is JANUVIA? � ��)%,01(%��

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pregnant, talk with your doctor about the best way to control your blood sugar while you are pregnant. Pregnancy Registry: If you take JANUVIA at any time during your pregnancy, talk with your doctor about how you can join the JANUVIA pregnancy registry. The purpose of this registry is to collect information about the health of you and your � ��3 �� !�# �$#"�#$$$�� (�� )%,01(%�� /��

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sugar (hyperglycemia), and problems you have because of your diabetes. � ��E��!��

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such as a sulfonylurea or insulin, your risk of getting low blood sugar is higher. The dose of your sulfonylurea medicine or insulin may need to be lowered while you use JANUVIA. Signs and symptoms of low blood sugar may include:

� �� Serious allergic reactions. If you have any symptoms of a serious allergic reaction, stop taking JANUVIA and call

your doctor right away. See “Who should not take JANUVIA?”. Your doctor may give you a medicine for your allergic reaction and prescribe a different medicine for your diabetes.

� ��Kidney problems, sometimes requiring dialysisThe most common side effects of JANUVIA include: � �� JANUVIA may have other side effects, including: � �� !�� 80<BC70�� 0�� ® #�?��

of diabetes medicine. These are not all the possible side effects of JANUVIA. For more information, ask your doctor or pharmacist. Tell your doctor if you have any side effect that bothers you, is unusual or does not go away. 1��#�E��420��&"-%%"420"&%--#How should I store JANUVIA? @��80<BC70��+-�4��,,�4��'%�1��'*�1 #�Keep JANUVIA and all medicines out of the reach of children.General information about the use of JANUVIAMedicines are sometimes prescribed for purposes that are not listed in Medication Guides. Do not use JANUVIA for a condition for which it was not prescribed. Do not give JANUVIA to other people, even if they have the same symptoms you have. It may harm them. A��;�� 5�� 80<BC70#�7�� information, talk with your doctor. You can ask your doctor or pharmacist for additional information about JANUVIA that is written for health professionals. For more information, go to www.JANUVIA.com��&"-%%"+''")),,#What are the ingredients in JANUVIA? Active ingredient: sitagliptin. Inactive ingredients: microcrystalline cellulose, anhydrous dibasic calcium phosphate, croscarmellose sodium, magnesium stearate, and sodium stearyl fumarate. The tablet film coating contains the following inactive ingredients: �� !�� !��!�� !�� !�� #What is type 2 diabetes? Type 2 diabetes is a condition in which your body does not make enough insulin, and the insulin that your body �� #�E�� #�D�� !��(glucose) builds up in the blood. This can lead to serious medical problems. 6�� !�� #

Manufactured by:Merck Sharp & Dohme (Italia) S.p.A.C��3��!�'&',&%%��>��!�7��OR�;3?19�@60?>��2=6;3�:A2#�1�� !�<�� !�B9�<3'(�(8B�B@�>�� <��#/�+!+..!-,&�� ,!('+!,%-Avandia®��5��@��9�� #1��'%&%�;��@��2��1��#!��Merck & Co., Inc. All rights reserved ?��%)$'%&'B@;5"A"%)(&&'%)?%%-This Medication Guide has been approved by the U.S. Food and Drug Administration.

Terms and Conditions

• This voucher is valid for 1 free 30-day trial supply of JANUVIA.

• Limit 1 voucher per patient for the duration of the program.

• Valid for 1-time use only. Free trial offer is valid only for up to 30 tablets of JANUVIA. No purchase is necessary. Refi lls are not required.

• This voucher is not transferable. No substitutions are permitted. Cannot be combined with any other free trial, coupon, discount, prescription savings card, or other offer.

• This voucher is not insurance.

• You must be 18 years or older to redeem this voucher. Patient, pharmacist, and prescriber agree not to seek reimbursement for all or any part of the benefi t received by the patient through this offer.

The free trial supply of JANUVIA cannot be used toward any out-of-pocket costs under any plan (such as true out-of-pocket expense [TrOOP]).

• This voucher can be used only by eligible US residents at any participating eligible retail pharmacy in the United States. Product must originate in the United States.

• This voucher is the property of Merck and must be turned in on request.

• Merck reserves the right to rescind, revoke, or amend this offer at any time without notice.

• It is illegal to sell, purchase, trade, or counterfeit this voucher. Void if reproduced. Void where prohibited by law, taxed, or restricted.

• Please read the accompanying Medication Guide and discuss it with your doctor. Also available is the physician Prescribing Information.

• Expiration Date: 06/30/2013

DIAB-1039462-0002 08/12


JANUARY 13, 2013 • 11

your tank early in the week: Gas prices tend to rise closer to the weekend, when more drivers are running errands. ■ POTENTIAL SAVINGS: $120 TO

$250 PER YEAR

Comparison shop: Get a few estimates before you make any big repairs, says AAA’s John Paul, a certifi ed mechanic and host of the radio show The Car Doctor. An estimate should include parts (new or used) and labor (dealerships tend to set their rates near $100 an hour; independent shops are closer to $70). Paul recom-mends reviewing the estimate with the service adviser and speaking up if you’d prefer to go with remanufac-tured or used parts. Saving 15 per-cent on one major repair a year is worth the effort of shopping around.■ POTENTIAL SAVINGS: $285 PER YEAR

LOWER YOUR ENERGY BILLSWith a few simple gadgets and products, you can signifi cantly reduce your expenses—no sweating or shivering necessary.

Black & Decker Thermal Leak Detector

($49) Finding and fi xing drafts on windows, outlets, and poorly insu-lated walls can slash your heating and

cooling bills by as much as 20 percent.■ POTENTIAL SAVINGS: $200 PER YEAR

Tide ColdWater Detergent ($11) Up to 90 percent of the energy required to wash a load of laundry goes into heating the water, even though colder temps may do the trick just fi ne. ■ POTENTIAL SAVINGS: $40 PER YEAR WITH

AN ELECTRIC WATER HEATER; $30 PER YEAR

WITH A GAS HEATER

Lux Smart Programmable Thermostat

($70) It should pay for itself in a few months. Adjusting the temperature about 8 degrees during the hours you’re at work and sleeping can save about 15 percent.■ POTENTIAL SAVINGS: $180 PER YEAR

Philips Compact Fluorescent Bulb ($10)

Replace just fi ve frequently used lights with these supereffi cient bulbs and see a noticeable drop in electricity costs.■ POTENTIAL SAVINGS: AT LEAST $70 PER

YEAR

A.M. Conservation Group Filter Whistle

($4) Cleaning your furnace fi lter regularly can shave 15 percent off your heating bill. The whistle will alert you when it’s time.■ POTENTIAL SAVINGS: $95 PER YEAR

BUY TICKETS IN BULKPopcorn isn’t the only pricey thing at the movies: Tickets cost about $8 on average. Frugal cinephiles should buy them in advance. Regal Entertainment Group, the country’s largest theater chain, sells blocks of 50 for $6.50 each. ■ POTENTIAL SAVINGS: $72 PER YEAR FOR A

FAMILY OF FOUR THAT GOES TO THE MOVIES

ONCE A MONTH

DITCH YOUR PRIVATE

MORTGAGE INSURANCEIf you buy your home with a down payment of less than 20 percent, you are typically required to pay for private mortgage insurance (PMI). “It is canceled automatically when the loan balance is reduced to 78 percent of the home’s value,” says Jack Guttentag, founder of the site mtgprofessor.com and a professor emeritus of fi nance at the University of Pennsylvania. “But the law also requires that lenders terminate the insurance at the borrower’s request when the balance hits 80 percent.” With PMI rates ranging from 0.5 to 2.5 percent of the total loan, an early cancellation could mean a signifi -cant chunk of change.■ POTENTIAL SAVINGS: $1,500 PER YEAR

ON A $300,000 MORTGAGE

CHALLENGE YOUR PROPERTY TAXESAccording to the National Taxpayers Union, 30 percent of houses or more may be overtaxed. During the real estate boom last decade, tax assess-ments climbed, but then home values tumbled, and many local governments haven’t adequately reassessed or have raised rates. Challenging a property bill is typi-cally a free (if lengthy) process. The fi rst step is to study your property card for any mistakes in the specs. Then compare your home’s value and taxes with houses sold nearby. (Valueappeal.com is a great tool.) Use the tips at ntu.org/tax-basics to help build a case before fi ling an appeal with the town’s assessor.■ POTENTIAL SAVINGS: HUNDREDS TO

THOUSANDS OF DOLLARS PER YEAR

SUPER

SAVERS

Lou, 37, and Christine

Leonardis, 35HOMETOWN

Madison, N.J.OCCUPATIONS

He has a graphic design studio; she is

a Spanish teacherSAVINGS RATE

30–35 percent

As a small- business owner, Lou is conscious that his income

isn’t guaranteed. “One year can

be unbelievably good, and another,

you worry,” he says. So Lou and Christine—who

have two kids and a third on the way—want to create a

safety net. When-ever Christine

gets a raise or Lou lands a big job, a portion of the

money is immedi-ately allocated to savings. “If any-

thing happened to the house, I’ve

got cash to take care of it,” Lou says. He also contributes to

529s for his children’s educa-tion. “My parents weren’t the best money manag-

ers, and it ate me up knowing how

much interest they paid on debt.

I want to retire comfortably.”

—K. A.


January: Many airlines and hotels try to entice tourists with deals on vaca-tion packages after the peak of warm-weather travel in December.

February: Furniture retailers offer sales to make way for new designs, which debut in the spring.

March: Eager to clear shelves for summer’s new golf clubs, many sports stores sell old clubs at reduced prices.

April: Folks with spring-cleaning fever are donating

clothes, furniture,and home goods, making this the best month to treasure-hunt at thrift stores.

May:Mattress manufacturers are shipping new models, so retailers are keen to move lingering inventory.

June: The height of wedding season has stores court-ing brides-to-be. Get in on dishware discounts with or without the ring.

July: Power tool prices plummet on post–Father’s Day stock.

August: Swimwear. No surprise that the end of summer means deals.

September:To helpcreate space for snowblowers and other winter gear, the price tags on lawn mowers get trimmed.

October:Stock up now on next summer’s patio furniture.

November: Black Friday and Cyber Monday are fueled largely by deals on electronics.

December: Car dealers who want to boost sales numbers before the end of the year are in the mood to bargain.

IF YOU TIME YOUR PURCHASES, YOU MAY

BE REWARDED WITH BIG DISCOUNTS

SHED INVESTMENT FEESIt’s one of the quickest ways to save,says Guy Penn, principal at G.M.Penn Wealth Management. Considerrolling over 401(k) accounts from oldjobs into a self-directed IRA. Sincethe average 401(k) is $75,000, saving1 percent makes sense.■ POTENTIAL SAVINGS: $750 PER YEAR

CUT THE CABLE CORDFive years ago, watching your favorite shows without a cable box practically required a computer science degree. Today, it’s pretty straightforward.Step 1: Invest in a streaming player, like Roku or Apple TV. These sim-ple devices (which cost less than $100) connect your Internet to your

TV, making the new viewing experi-ence identical to the old boob tube. Step 2: Using your streaming device, access the content services that best fi t your needs: Netfl ix ($8 a month) offers thousands of movies and TV episodes; Hulu Plus ($8 a month) streams episodes just a few days after they air on TV, but includes commercials.

Call for a FREE brochure:

AS SEEN ON

TV

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��

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medical • fall • fire • invasion • CO gas

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1-800-380-00271-800-380-0027


January: Many airlines and hotels try to entice tourists with deals on vaca-tion packages after the peak of warm-weather travel in December.

February: Furniture retailers offer sales to make way for new designs, which debut in the spring.

March: Eager to clear shelves for summer’s new golf clubs, many sports stores sell old clubs at reduced prices.

April: Folks with spring-cleaning fever are donating

clothes, furniture,and home goods, making this the best month to treasure-hunt at thrift stores.

May:Mattress manufacturers are shipping new models, so retailers are keen to move lingering inventory.

June: The height of wedding season has stores court-ing brides-to-be. Get in on dishware discounts with or without the ring.

July: Power tool prices plummet onpost–Father’s Day stock.

August: Swimwear. No surprise that the end of summer means deals.

September:To helpcreate space for snowblowers and other winter gear, the price tags on lawn mowers get trimmed.

October:Stock up now on next summer’s patio furniture.

November: Black Friday and Cyber Monday are fueled largely by deals on electronics.

December: Car dealers who want to boost sales numbers before the end of theyear are in the mood to bargain.

IF YOU TIME YOUR PURCHASES, YOU MAY

BE REWARDED WITH BIG DISCOUNTS

SHED INVESTMENT FEESIt’s one of the quickest ways to save,says Guy Penn, principal at G.M.Penn Wealth Management. Considerrolling over 401(k) accounts from oldjobs into a self-directed IRA. Sincethe average 401(k) is $75,000, saving1 percent makes sense.■ POTENTIAL SAVINGS: $750 PER YEAR

CUT THE CABLE CORDFive years ago, watching your favoriteshows without a cable box practically required a computer science degree. Today, it’s pretty straightforward.Step 1: Invest in a streaming player,like Roku or Apple TV. These sim-ple devices (which cost less than$100) connect your Internet to your

TV, making the new viewing experi-ence identical to the old boob tube.Step 2: Using your streaming device, access the content services that best fi t your needs: Netfl ix ($8 a month) offers thousands of movies and TVepisodes; Hulu Plus ($8 a month)streams episodes just a few days after they air on TV, but includescommercials.

HELP!

Fall Emergency Home Invasion Medical Emergency Fire Emergency

Saving a

life

from

a ca

tastr

ophe

EVER

Y 11 M

INUTE

S!*

Call for a FREE brochure:1-800-523-6098

AS SEEN ON

TV

��

medical • fall • fire • invasion • CO gas emergencies.

��


JANUARY 13, 2013 • 13

Step 3: Can’t fi nd a particu-lar show you want to watch? For a few extra bucks, Amazon Instant Video and Apple’s iTunes let you access episodes and movies that aren’t offered through subscription services.■ POTENTIAL SAVINGS:

$700 PER YEAR

RAISE YOUR DEDUCTIBLESIncreasing your home- insurance deductible to $1,000 from $500, for example, could save 25 per-cent on your policy—a smart move considering that many homeowners fi le claims only once every 8 to 10 years.■ POTENTIAL SAVINGS:

$200 PER YEAR

CUT BACK ON STAMPSMaking monthly payments online won’t simply save you the $4.50 it costs to mail 10 bills; it guarantees you’ll skirt a late-payment fee if one of your envelopes is lost en route.■ POTENTIAL SAVINGS:

$79 PER YEAR

WHAT’S

YOUR MONEY

PERSONALITY?

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14 • JANUARY 13, 2013

PH

OT

O:

BR

IAN

BO

WE

N S

MIT

H/F

OX

PARADE Why did you make

the move from � lms to TV?

It was a reluctant call, to tell you the truth. I come from a time when there was a real dividing line; it was all about theater or movies. But that line has gone away now, and the material is just incredibly good.

You’ve played some notable

villains, but your character in

The Following is the good guy.

Was that important to you?

There was no way I was going to do a series and play a bad guy. But I don’t like heroes who have nothing wrong with them. He’s got his fl aws. That’s really what I wanted to explore.

Your series is one

of the scariest ever

to hit network TV.

Such as?

It was diffi cult when I realized that I wasn’t going to have time to sit with the scripts.

I had months with the pilot, and from that point on, I’ve had days. I can whine about it, but

I’ve tried to embrace that this is something that has

to happen on instinct.

What’s the secret to your

long-lived marriage?

When I don’t see Kyra, I look forward to seeing her. We talk a lot, and we make each other laugh. People want to know, “How do you do it in Holly-wood?” I don’t have the answers. We just like to be together.

How do you spend your

free time?

We’re foodies, although recently we’re more into staying home and cooking. She’s into follow-ing recipes, and I’m into making them up. My best dish is fi sh tacos. I make my own hot sauce for them. I like spicy food.

You did most of the footwork

in Footloose. Do you ever go

out dancing?

I don’t really like the music that’s played in dance clubs now, unless it’s retro. I can’t stand pop mixes and house music. I want Motown, Philly soul, funk, Parliament, and Chaka Khan. Every once in a while we’ll dance at home and at weddings. Kyra’s way wilder than I am in terms of dancing!

What do you � nd frightening?

Mice. I don’t mind rats, just mice. They’re small. If I fi nd a

dead mouse, Kyra has to clean it up. It just grosses me out!

Kyra’s seven-year

run on The Closer

ended last year. Has

she given you any

Kevin BaconThe award-winning actor on his new series, his strong

marriage, and the li� le thing that scares him most

Sunday with ...

advice about starring in a

TV series?

Our lives are so intertwined in terms of how we react to each other’s work choices. It wasn’t that she needed to give me advice; I just watched her do the show, so I had a good understanding of what an hour drama was going to be like. Although there were things I wasn’t quite prepared for.

AT 17, I PACKED MY

SUITCASE AND LANDED IN

NEW YORK. IT’S WHERE I FEEL THE SAFEST.”

Before he boogied in Footloose, Kevin Bacon was a slasher victim in the 1980

horror fl ick Friday the 13th. “I like scary stuff,” says the actor, 54, who returns to his thriller roots in the highly anticipatedTV series The Following ( Jan. 21,Fox), playing an ex-FBI agent who has a long and tangled history with a serial killer. The father of two, who lives in New York City with his wife of 24 years, Kyra Sedgwick, talked to Erin Hill about being the latest big-screen star to headline a small-screen drama.

The star tells how he

really feels about “Six Degrees

of Kevin Bacon” at Parade.com

/bacon


ILL

US

TR

AT

ION

: G

RA

FIL

U

I once had a bedbug problem,

and it gave me nightmares

for a long time. Would the

elimination of bedbugs affect

our planet? —C. J. Russell, Denver

Readers usually ask this ques-tion about mosquitoes! I reply that complete eradication of these fl ying disease vectors would be a boon to mankind. More than 200 million people were infected with malaria last year; mosquitoes also spread encephalitis, yellow fever, meningitis, dengue fever, and more. But then I hear from people who worry about the food chain. They say that if it weren’t for mosquitoes, certain other animals—those who feed on them—may die off, and so on. These people believe that every organism fi lls a crucial niche and that the balance of nature is delicate. Bedbugs provide some evidence this is not true. After World War II, insecticides such as DDT virtually eliminated these pests in this country, Canada, and Europe. Bedbugs were gone for decades and didn’t reappear until almost the new millen-nium. Did anything bad happen to the food chain in these parts of the world? No. The food chain isn’t static. Living things evolve and dis-appear; environments are transformed. In short, nature is all about change.

To play this week’s Numbrix,

visit Parade.com/askmarilyn

Ask MarilynBy Marilyn vos Savant

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American Family Mutual Insurance Company and its Subsidiaries, American Family Insurance Company Home Offi ce – Madison, WI 53783 ©2012 006624 – 12/12


you hear,the better

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*Bose payment plan available on orders of $299-$1500 paid by major credit card. Separate financing offers may be available for select products. See website for details. Down payment is 1/12 the product price plus applicable tax and shipping charges, charged when your order is shipped. Then, your credit card will be billed for 11 equal monthly installments beginning approximately one month from the date your order is shipped, with 0% APR and no interest charges from Bose. Credit card rules and interest may apply. U.S. residents only. Limit one active financing program per customer. ©2013 Bose Corporation. The distinctive design of the Wave® music system is a registered trademark of Bose Corporation. Financing and free dock offers not to be combined with other offers or applied to previous purchases, and subject to change without notice. Offers valid 1/1/13-2/28/13. If the system is returned, the dock must be returned for a full refund. Risk-free refers to 30-day trial only, requires product purchase and does not include return shipping. Delivery is subject to product availability. iPhone and iPod are trademarks of Apple Inc., registered in the U.S. and other countries.

To order or learn more:

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the top of the system to turn it on and off, or snooze the alarm. Order by February 28, 2013, and receive

the Wave® III dock free – a $99 value. The dock makes it easy to hear your iPod or iPhone like never

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Documents

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